23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Merchant Name : : Accounting Instruction Help & How To ( the Key person and accounting instructor ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I purchased yearly cost {$190.00} accounting online courses XXXX ) I received the email immediately from Capital One : asking me, if I approved this purchase. I said yes. 
XXXX ) I immediately sent email to XXXX XXXXXXXX in case having problem to get Capital One approved the charge. -- please let me know. 

XXXX ) on XX/XX/XXXX, the merchant without my aware/knowledge and without my authorization ( since the merchant had my credit card number from my XX/XX/XXXX purchase ), charged my account {$190.00}, Capital One approved the charge and credit to XXXX XXXX XXXX XXXX even merchant without my authorization to charge. 

XXXX ) on XX/XX/XXXX, I canceled this credit card ( which I provided to merchant on XX/XX/XXXX. 

XXXX ) Around XX/XX/XXXX, Capital One issued me the NEW credit card with new secret code. 

XXXX ) on XXXX XXXX, XXXX, I tried to use this New credit card -- and found out I already had balance due {$190.00} charged on XX/XX/XXXX by the merchant ( XXXX XXXX XXXX. ) XXXX ) I am so scary : merchant not just not have my authority, furthermore can get my new issued credit card number and got approval from Capital one to charge my account .again.. 

XXXX ) on the same day XX/XX/XXXX, I immediately called the Capital One, the case number : assigned XXXX. : XXXX Capital One did temporary credit back my account {$190.00} -- case will be in investigation periods for 90 days.

10 ) When I mentioned to Capital One that the whole issue for this case is : merchant charge my account without my authorization. Capital one should requested the merchant to proved the evidence/proof that they did get my authorization to charge my account. 

11 ) It is very difficulty to communicate with Capital One staff -- : may be my XXXX is not so good, they can not understand me. All Capital One focused are : Instead to ask merchants to provide they got my authority to charge my account, All they wanted to know if merchant provided me the merchandises. So far my only order/purchase -- was on XX/XX/XXXX and I already. paid by credit card {$190.00}. 

Thanks for the help! Appreciated!
Product: Money transfer, virtual currency, or money service

{$8000.00} was taken out of my Citibank account in XXXX of 2021 via XXXX. 
Received a call from a number that came up as an ( 800 ) Citibank number confirming a text received. 
Filed a police report and tried to get my money back and was told because it was through XXXX it was not covered under the FDIC. 
This was during XXXX which created an extreme hardship that I am still adjusting from. It was money I was going to use to get a home for my children as they were facing unhousing issues with their father. 
I received an email, text and call from them and Citibank did not take the necessary actions to keep my money safe. 
I am unable to pull up the police report and other records but I do have them. 

Thank you
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Equifax credit bureau have not had any accurate information in my credit report. Equifax also have never gave me a credit score and when they did which was a month ago it displayed a XXXX score which is over XXXX points less than my accurate credit score.
Product: Checking or savings account

I have a checking account with Bank of America on Thursday the 2 I withdrew XXXX dollars cash out of an atm. It did dont dispense I was told that they would credit my account with in 2-10 business days after calling on the 4th to 5th day I was told they would not refund for 45 days an that my account was not authorized to have a provision credit it has already been 4 days now that are telling me they have no idea when my money. If they checked the cameras or the atm then they would see that the money was never dial taken from the account
Product: Credit card or prepaid card

I am on the do not call list and I got a call this morning at my work, from Omni Financial stating they got my number from public records to lower my interest. I am furious I received this call at work. XXXX How can they get my work no from public records and not show up as do not call list. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against the consumer reporting agencies Equifax and XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 concerning permissible purposes for credit inquiries, as well as 17 CFR 424 related to promotional inquiries. I believe that Equifax, and XXXX have allowed promotional inquiries to be made on my credit file without my consent and in violation of the FCRA. Promotional inquiries refer to credit inquiries made by lenders or marketers to offer pre-approved credit or other services to consumers. These inquiries are only permissible under certain conditions, and I do not recall authorizing such inquiries. FCRA Section 1681b specifies that a consumer reporting agency may only disclose consumer information to a third party for specific permissible purposes. Promotional inquiries, which are often used by marketers, do not constitute a permissible purpose unless the consumer has opted in or authorized such use. 17 CFR 424 further provides that promotional inquiries may only be made if the consumer has consented or if the inquiry falls within a category of permissible purposes, such as a credit transaction or the evaluation of an offer for credit based on the consumer 's prior consent or participation.

All included companies have also violated my rights pursuant to the Privacy Act of 1974 ( 5 U.S.C. 552a ) which ensures that personal information is only used and disclosed for purposes that are authorized by law. The Privacy Act prohibits the disclosure of personal information without the consent of the individual, except under specific conditions.
Product: Credit card

My citi card was charge {$7.00} by XXXX on XX/XX/XXXX and {$220.00} by XXXX XXXX transfer and {$360.00} by XXXX XXXX XXXX both on XX/XX/XXXX. I was on a Airline flight to XXXX on XX/XX/XXXX. I called the credit card from XXXX on XXXX and disputed the charges. The dispute did not show up on my account so I called again on XX/XX/XXXX and was told I did not dispute the charges so I then disputed the charges again. On XX/XX/XXXX I again called citi card fraud to ask why they had not opened a dispute and the told me again I had to call fraud and dispute the charges. They now show that they will not overturn the charges online and whenever I call I get the runaround from one phone number to another with no resolution. I have had this credit card for 25 years and have never transferred money in any way and these are not my charges.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine as I am a victim of identity theft and don't recognize the debt nor did I do business with the company. The company is XXXX with Account number XXXX. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/XXXX XXXX XXXX XXXX  and XX/XX/. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. The Account number is XXXX with a balance of {$81.00}. 

15 u.s code 1681 a ( 2b ) The information that is on my credit report is inaccurate and I did not give any permission to any agency to report anything on my credit file.18 u.s code states anyone who is knowingly producing an identification, or false documentation to defraud as in result this is identity theft.18 u.s code 1028 ( a ) and I have no Knowledge of the alleged debt and no knowledge of the collection accounts
Product: Student loan

I am writing regarding the student loan account for which I am the co-signer, originally serviced by XXXX XXXX then transferred to XXXX. During a difficult financial period and under the XXXX XXXX terms, I fell into default and was drowning in interest fees and late payments. My only option was to go into default as I could not keep up with the thousands of dollars XXXX XXXX was asking for monthly. For over a decade, XXXX XXXX made my life XXXX with countless harassing and humiliating phone calls to my employers, my landlords, several work colleagues, family members and anyone they believed was connected to me. I had immense difficulty finding places to live, buying a car, obtaining credit and basically living a normal life. 

When XXXX took over for XXXX XXXX, I was finally given a path forward. Under the Structured Rate Program offered by XXXX, I agreed to a 1 % interest rate for the life of all XXXX loans, provided I pre-approved XXXX autopay bank withdrawals. This contractual provision was upheld. Even after the original XXXX autopayments, the payments have continued uninterrupted to date. This written agreement was the key factor in my acceptance of the loan terms instead of filing bankruptcy, which I would have had to do. I have diligently maintained timely payments and my financial status has not changed. 

Following the transfer of servicing from XXXX to Mohela, the terms of XXXX 's Structured Rate Program and our contractual agreement have been disregarded, and I am now being informed that our account will revert to the original XXXX interest rates ; as high as 13.5 % for some of the loans. I can not possibly pay more than I am currently paying. 

I vehemently dispute this change, as I believe that the binding written agreement provided by XXXX to reduce the interest rate XXXX % remains in effect. Speaking with Mohela representatives has been unhelpful as I am told different things with every call. I have sent a certified letter to Mohela stating my position as well as paperwork from XXXX showing our agreement at 1 % for the life of all XXXX loans, their payoff dates, and how my monthly payment is applied to each loan. I am continuing to make the {$500.00} monthly payment at 1 % interest until this matter is settled legally. 

I will also be seeking legal counsel as I believe this sudden breach of contract not only unethical but illegal. There are several law firms interested in a class action suit against Mohela, as the have immorally run this scheme on thousands of upset XXXX borrowers, including those in the XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain accounts listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. 

I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this accounts. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my accounts and remove the late payments. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

My funds from the federal government my XXXX taxes were sent to US bank in error by my XXXX XXXX. Once the irs was able to track down were my funds went they provided me the contact information for the bank. I have been working on this for months and nothing has been resolved my funds of XXXX were sent to this bank that does not have my name or my joint spouse name on the act it is not ours we do not bank with them and it was sent in error. The irs stated US bank should have rejected the taxes and returned my funds back to the irs. They did not and will not help me everyone I have talked to acts as if its not a big deal to them I spoke to mangers and even asked for the number to coorperate. The bank is called US bank there number that the irs provided me with is XXXX XXXX XXXX. I was told to contact them by the irs to have them send the funds back to them since they stated my funds should have never been able to through to an account that doesnt have mine or my joint partner listed and the bank should have rejected and returned the funds. The bank has not helped in anyway stated they would call me and update me and have not done so when I call someone gives me a different answers Im stressed and tired of dealing with this its causing so much anxiety and Im about ready to sue this company for causing me so much stress and not just simply returning my federal income taxes back to the irs. Please help me.
Product: Checking or savings account

During a XXXX  call with two Bank of America reps in XX/XX/2021, I was told by one of the reps that my checking accounts were being charged an Analysis Fee that was not meant for my small business. It was for much larger companies that transacted {$2.00} XXXX monthly and had an ERP with BOA. The amount was over $ XXXX/mo every month for 15 years! I believe BOA may have stolen over {$200000.00}! When I asked about the account in the past, I was told by BOA that it was for treasury, or that it was on my statement and that's all they had to divulge! If I kept asking why I was being charged this analysis fee I would be disconnected, or BOA refered me to a rep who would not respond! 

For complaining LOUDLY, BOA deemed me a risk and my account was frozen and deleted on XX/XX/2021. But not before BOA charged even more fees and on my newest account which was never charged this analysis fee before! 

A BOA VP called me twice and told me that I was being punished! When I complained to a Bank Branch, this same VP called me again and said that I was vulgar! He claimed he had evidence that I signed up for this anaysis fee. When I asked to see it, he responded that he did not have it in front of him. I asked when he could send it to me. The VP claimed that next day. I have never heard back from this VP, and BOA did not respond to my Better Business Bureau complaint. I was told by one BOA rep that I the paperwork involved to set up an analysis fee was enormous, so I would have remembered! 

I have the names of everyone I spoke with and the dates. Please let me know what I need to do to receive restitution for BOA egregious acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$82.00} XXXX XXXX XXXX  I XXXX Balance Owed : {$190.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance {$570.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4800.00} XXXX XXXX  XXXX Balance : {$70.00} XXXX XXXX XXXXXXXX Balance : {$160.00} XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$570.00} XXXX XXXX  XXXX Balance Owed : {$82.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two bankruptcies reported by TransUnion and one by XXXX. Today I received a notification from TransUnion stating that they verified the information with the XXXX XXXX District Court. That is impossible since I contacted the Honorable Court, and in writing, they said they dont provide information nor report to Credit Bureaus XXXX I shared this letter with both Credit Bureaus. TransUnion insists over the phone and in writing that they verified these two bankruptcies with the court, which is impossible. I need these two bankruptcies reported by TransUnion and the one reported by XXXX removed from my file Immediately. Specially TransUnion is making a FALSE claim that they verified the information with the XXXX XXXX District Court. That is against their terms and agreements and violates the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has refused to process my request for a letter of deletion of the inaccurate derogatory information of an alleged bankruptcy they sold to Transunion LLC in XX/XX/XXXX. Transunion has violated the FCRA by buying a third party furnisher company called XXXX erroneous reports of inaccurate and negative information to destroy my credit and cause creditors to decline my credit worthiness or discriminate by charging higher interest rates for their products and services. Transunion and XXXX has willfully, negligently, recklessly, and repeatedly failed to perform reasonable investigation within 30 business days as required by FCRA and failed to remove the inaccurate information from the " public record '' section of my Transunion credit report. XXXX has failed to verify my identity but stole my personal data to use it for their deceptive acts. Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, XXXX is liable to me for willfully and negligently failing to comply with the requirements of 15 U.S.C. 1681i ; 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681s-2 ( b ) .The conduct of XXXX XXXX XXXX was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to me that are outlined more fully above and, as a result, XXXX and Transunion is liable to me for the full amount of statutory, actual and punitive damages, along with the attorneys fees and the costs of litigation, as well as such further relief, as may be permitted by law when I file a civil lawsuit. Transunion has not updated their files to remove the inaccurate alleged bankruptcy that has not been verified by an Attorney of a original notarized statement or contract of who can testify under oath that an alleged bankruptcy occurred. XXXX has consistent sent letters in the past few weeks asking for my social security number and identity information so that they may use it against me. They have mistakenly identified me as a Man and emailed me asking me for identity information. I have not given XXXX any authorization to use my personal information. Transunion and XXXX has engaged in unfair debt collection practices
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX I am the primary account holder, and they list my spouse as a secondary borrower. 
She has been an authorized user only, since this account was opened XX/XX/87. 
JC Penny insists that she is a co borrower, even though they can not provide proof. 
Attached is a response to my request. 
I asked for the credit application to prove to me that she signed for this account. They can not produce the application. Reasons in the letter, online application, in XX/XX/1987 there was no online process to apply. Applied in store, we had a newborn at the time, and she was not able to go to a JC Penny store. Also, she was not working at the time, and had no income to apply for credit.

If they can not prove she signed for this, or any information that was given, she should no longer list her as a secondary account holder.

I never had any reason to question this until 2 months ago when I incurred trouble paying on time. I always paid this monthly bill, and she had never even seen it.

Please assist in having JC Penney remove her name from the account.

Thank you in advance. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company somehow screwed up the ACH transfer which was set up as automatic payments. How they handled it was blaming me even though the bank contacted them and assured them transfers were made. They are not being cooperative and are reflecting too late payments for the last eight months on my credit report. I am a XXXX veteran and can not have this or it ruins my opportunity to get home.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2024 Robinhood Financial LLC unrestricted my account so that Id be able to transfer funds for trading XXXX XXXX in the amount of {$2000.00} as a direct deposit from my bank account but since it was not an immediate transfer, I opted to do a wire transfer of {$2500.00}. I decided to purchase XXXX and for some reason the transaction failed once I ended selling it XX/XX/year> as for an unexplainable reason it opened up for me to sell the crypto currency while the account was still restricted. I tried to transfer my funds back to my bank account and since the account is restricted I am unable to withdraw my funds and I keep getting calls that Robinhood needs to ask questions and I answer them and the representative always says it is sent to review with no time frame.Its been almost 30 days and they constantly ask to make an appointment or Im in line for a call back and restrictions to my account have not been lifted after I have submitted all documents they have asked for and Robinhood will give me a date when they will get back to me and the date comes and they change it to another date. It is a never ending story of going back and forth with Robinhood and no answers as to when they will unrestrict my account.