23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I recently opened a small business account with Capital One to support my new XXXX XXXX When opening the account, I informed the bank that I intended to use it for transferring money between banks, wire transfers, and ATM withdrawals.

Approximately three weeks after opening the account, I attempted to link my debit card to XXXX XXXX but was informed that this feature was not available for business accounts, which I accepted. However, shortly afterward, I noticed unauthorized charges from XXXX on my account. I immediately reported these charges to Capital One, who filed a dispute on my behalf and issued me a new debit card. 

A week later, I attempted to transfer {$8000.00} from my Capital One account to my brothers XXXX XXXX XXXXXXXX account. This was necessary because I needed cash to make a critical business payment, and Capital One does not have any branches in Michigan, where I am currently located. Unfortunately, after initiating this transfer, Capital One restricted my account. 

I have called Capital One more than four times to resolve this issue, but each time I am told that I must wait for a review of my account, which could take several weeks. This delay has put my business in jeopardy, as I am unable to access the funds necessary to make my payment. 

I have explained to Capital One that this situation is urgent and that I risk losing my business if I can not access my funds, but I have not received any meaningful assistance. The funds in this account belong to me, and I am unable to take any action to resolve this matter due to the banks restrictions and lack of support. 

I am requesting the CFPBs assistance in resolving this issue promptly. My business can not withstand further delays, and I urgently need access to my account to make the required payments. 

Thank you for your attention to this matter.
Product: Mortgage

I have a loan with Nationstar Mortgage I had a trial payment of XXXX with an income of XXXX. I had to request 5 times that they take the money out of my account. I was XXXX short I informed them that I would the XXXX dollars would be taken from a XXXX XXXX account. The employee at Nationstar said he could not process a payment under XXXX so he refused to process the XXXX dollars then report me to the Dept of Treasury so I can no longer be eligible for the Hamp program that was done on purpose. I should still be eligible for Hamp that was a false forced information. Since when do you have to beg a lender to take funds. At this time I am stuck with their program of their choice. 
Desired Resolution : Hamp Program Loan with supervision from Hamp personnel. 
My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX Product : Loan from Nationstar Mortgage. Texas USA
Product: Debt collection

Sheffied Financial has been in communication with me concerning a debt that doesn't belong to me. It is a business account and I am not a cosigner on this debt. Yet, they continue to report this debt on my personal credit report. I have asked them to provide the contract bearing my signature showing that I am indeed a cosigner as evidence. I've asked them to cease and desist in regards to contacting me via my private residence and phone. They have failed to do so. This is a violation FCRA reporting standards among others.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion for their failure to comply with my rights as outlined under the Fair Credit Reporting Act ( FCRA ) Section 605C, which provides protections to survivors of XXXX XXXX I am XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and TransUnion has failed to appropriately address adverse information in my credit report that is a result of the circumstances of my trafficking experience. 

FCRA Section 605C specifically mandates that credit reporting agencies must block adverse items of information in a credit report when the information is a result of XXXX XXXX  or related situations. Despite my attempts to inform TransUnion of my status and the relevant legal protections, they have not taken the necessary actions to remove the harmful information from my credit report. This failure to act is a clear violation of my rights under federal law. 

As per the FCRA, credit reporting agencies are required to respond within four business days after receiving proper documentation from a survivor. I have submitted documentation in accordance with the requirements of Section 605C, but TransUnion has not fulfilled its legal obligation to block or remove the adverse information. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that TransUnion is held accountable for violating my rights as a trafficking survivor. The agencys refusal to act is causing undue harm to my financial wellbeing and is exacerbating the trauma I have already endured. 

Enclosed, please find copies of all relevant documentation, including communications with TransUnion and evidence of my status as a XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Checking or savings account

First of all I went to open and account and they told me that is was some check got deposited in my account which I had no idea that check was in my account cause I dont use check at all and they told me it was fraudulent on my account so then they told me to get and touch with yall my information have got stolen that why I have identity on my record so could you please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this account for the record as my personal statement in reference to fraud that I have been a victim of. I am a victim of identity theft. My personal information was exposed on the dark web by XXXX information services and this has led to someone opening a fraudulent loan under my name. This appears on my Experian credit report # XXXX Here is the account information listed below : Account name : XXXX XXXX XXXX Account number : XXXX Account type : Auto Loan Responsibility : Joint Date opened : XX/XX/2015 This account is appearing as a joint loan with no co-buyer on it. This is an error on my report and is hindering my from getting approved for an auto loan. I have filed a report with the FTC Identity theft division Report # XXXX. I have also included a picture of the fraudulent item on my credit report, and proof of my identity for verification purposes in accordance with 15 U.S.C 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently viewed my credit profile and noticed and/or incomplete information and accounts that are unverified. according to the fair credit reporting act 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C1681i, every single or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety, or the alleged account is to be deleted.

the FOLLOWING derogatory account allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately. The infractions are as follows.

Alleging Creditor and Account as is reported as having a late payment on my credit report. 

ACCOUNT # XXXX { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } { XXXX XX/XX/XXXX LATE PAYMENT } I am demanding that this account be updated to Paid as Agreed and Never Late by the provisions of the Fair Credit Reporting Act and per the standards of the reporting compliance implemented with the CRSA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries on my Equifax credit report that should be removed.
Product: Credit reporting or other personal consumer reports

On XXXX " PAYMENT STATUS '' is inaccurate as it is showing 30 days late. 
In general, the Credit Bureaus are reporting XXXX late payments in my Credit Report, XXXX on XX/XX/XXXX and another one on XXXX, XXXX, that are not accurate as I was never late.
Product: Debt collection

Collection agency name is XXXX XXXX for amount {$400.00}. I sent collection agency a debt validation and they have not responded and reported to XXXX report. Once again this does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry from this company never applied for credit
Product: Mortgage

Ever since Bank of America took over my mortgage from Countrywide, I have had problems getting my homeowners insurance on record. 

I buy my own homeowners, it is effective on XX/XX/XXXX. There has never been a lapse. With Countrywide, no issue. Company faxed the coverage, went on record, over and done. With Bank of America, each year, proof of coverage has to be faxed, and refaxed, sometimes 3 or 4 times. 

This year, I called the insurance company, prior to the effective date, and asked them to please fax the proof of coverage. They did, said it went through. In my ignorance, and not hearing from the company, thought, this year was different. No such luck. 

Received a letter saying they were increasing my monthly mortgage to cover the insurance they put on the house. I called said, no, there was homeowners, effective XX/XX/XXXX. Also said proof of insurance had been faxed to them prior to XX/XX/XXXX. Person on the phone asked to have it refaxed to a different number. This was done, called and was told they had the fax, all was well. Received a letter saying the additional monthly payment was taken off. Which I foolishly thought took care of the matter, so burned the letter. 

Today have an email saying to pay the additional or my credit would be effected. 

I do not know what to do, say, plead, threaten to get this over to them, homeowners is paid, proof is sent ( have asked so many times to have it refaxed it has become an issue with the agent and me ) every year. I do not owe for what they can not take care of. How do I handle this? 

A few years ago had a response from some vice-president apologizing for the problem. Does n't seem to have improved the situation. 

Where do I go from here? Is there something you can do?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. Section 1 states I have the right to privacy.

15 U.S.C.1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX accordance with the Fair Credit Reporting act XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries appearing on my credit report for no apparent reason. I check my report regularly, and it has always been accurate until now. After refreshing the browser, hoping the issue was temporary, the errors still appeared, which left me feeling both confused and upset. XXXX asking for a thorough review of the documents I submitted so that I can stop worrying about this problem.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is XXXX and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than XXXX  days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Product: Vehicle loan or lease

My credit was pulled on alley financial with out my permission Im requesting for the inquiry to be taken off, I already file a ftc report
Product: Credit reporting or other personal consumer reports

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These following inquires Immediately. 

I also request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX removed as this is not my account and was open fraudulently. 

XXXXXXXX XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized Inquiries on my credit report that I would like removed. according to the FCRA, these unverified and unauthorize items must be removed. Late Payments ( I5 usc 1666b ) Charge offs ( usc 6802 or 15 usc 6801 ) Collections ( 15 usc 1692g / 15 usc 1692c ( c ) ) Inquiries ( 15 usc 1681b
) XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX
Product: Credit card

I called the Macy 's Credit card department on XXXX/XXXX/2015 because I could n't get online. I 've been a customer for several years and have never had an issue. I spoke to someone named XXXX regarding my balance, applied payments and finance charges. When I asked XXXX for my rate, she said " it 's like 25 % ''. I stated to her that she was not allowed to paraphrase a rate to me, that she had to quote it exactly, and after I asked XXXX times, she still would n't quote it to me exactly. I asked to speak to a supervisor. I was told that my online access would be fixed. I was told over the phone, because after a week and a half I still do n't have access to my account or my statements, that my finance charge had increased over {$10.00} in XXXX statement period ( from {$43.00} to {$54.00} ) with my balance having only changed by {$74.00} dollars. The supervisor waived interest charges for two months, but also refused to quote me the finance charge formula they use to calculate the interest. I 'm incredibly skeptical of Citibank , N.A . XXXX at this point, because their employees are unlawfully refusing to quote exact rates that are being charged on my account, they refuse to provide the formula for interest calculation, and at this point still have n't provided me with access so that I can review my account history and how my payments are being applied. I feel like by limiting my access i 'm falling into predatory lending schemes, and i 'm outright being lied to by the service reps on the phone. I still do n't know how much money i 've lost in payments since i ca n't access my account. All I know is that i 'm not making purchases, and my finance charge is increasing, without my rate increasing and i have no paper trail to prove anything.
Product: Mortgage

Rushmore opened an escrow account for an insurance that we paid in full on XX/XX/XXXX. Called and spoke with 5 different agents who guaranteed the fraudulent escrow account will be closed and the money will be added to the principle. This has been lingering for over 5 months and each month I call they promise the same and nothing is happening they are taking more money that they are supposed to my loan and still adding the money in an illegal escrow account. Lastly XXXX from escalation team and XXXX a call center supervisor mentioned they are working on it. NO resolution same invalid promises to be fixed and they keep depositing more money from my checking to an escrow account. 
Last contact was XX/XX/XXXX at XXXX PST and nothing is resolved.
Product: Checking or savings account

I have been a member of Chime Bank for at least three years. I haven't had a problem until now. On XX/XX/XXXX I lost my card at the XXXX that is near my home on XXXX XXXX. in XXXX, MD. Apparently someone picked up my card and used my debit card at two different locations. He used it at XXXXXXXX XXXX XXXXXXXX XXXX XXXX in XXXX, MD for {$210.00} and {$3.00}. He also used my card at the XX/XX/XXXX at XXXX XXXX XXXX., XXXX, MD XXXX for XXXX. I called my bank immediately when the funds were taken. The representative on the phone told me to wait until all transactions cleared, then I can do a dispute for each of the transactions. I waited until they cleared, this was XX/XX/XXXX that everything had finally settled. I then called my bank back to file a dispute. They proceeded to give me instructions on what I needed to do. I filled out the form which they emailed me and returned signed with my name. They told me Ms. XXXX it will take up to 10 business days to make a decision. We will give a temporary credit and if we do not find that the transactions were fraudulent then we will take back the credit that we gave you. Within 20 minutes a decision was made to deny me the funds back, and they never gave me any temporary credit. When I called back to speak with a supervisor in the dispute department he told me I had to resubmit a rebuttal. He did not make clear as to why they said no, and said they did their research and they reached out to the creditors and it was still a no for me. I went to the XXXXXXXX XXXX place that was on my debit card, and the young man, XXXX XXXX, Customer Service Leader, show me the video of this man, I do not know, swipe my card for cigarettes. I asked him to write me a letter so that I could file a rebuttal. He did just that and I sent my rebuttal in with the letter that he provided me. Again, they denied my claim standing behind their initial decision. I was very upset, and was dissatisfied with the customer service they had given me. I was NOT given any credible information of how they came about this decision. They emailed the same signed form I was suppose to give them, and highlighted one word on my sheet, that word was, MEMORY. I am not sure how that helped them make their decisions. Also, today, XX/XX/XXXX, I spoke with XXXX, the store manager, at XXXX XXXX she told me I can not get a copy of the camera feed showing this man using my card to make a cigarette purchase. I will have to file a civil lawsuit and subpoena them for the documents.
Product: Credit reporting or other personal consumer reports

I know that I have the right to a fair and accurate credit report. I have recently obtained a copy of all 3 of my credit reports and have discovered that there are items that I do not recognize on all 3 reports. I have tried to contact and retrieve validation of the unauthorized and suspected fraudulent accounts/debts and inquiries on all XXXX of my credit reports directly from the creditors or debt collectors but have had little success. I have tried several rounds of disputing these accounts and inquiries with all XXXX credit bureaus but keep getting stall letters from the credit bureaus or letters that say that the debt has been verified, but there is no further elaboration of how these debts and fraudulent accounts and inquiries were validated. I need your help! This is effecting every aspect of my life and I need these fraudulent accounts and inquiries removed immediately. I have a copy of the fraud report.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before i seek Litigation for defamation of character ) XXXX XXXXXXXX XXXX {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Signed up with Freedom Dept Relief, in I think 2018 Freedom dept relief, said that I pay them and in turn they would pay off my Creditors. 
What happened was that I paid Freedom Dept Relief monthly, They did nothing with my Money, except ruin my Credit, My depts were not paid and my credit was ruined
Product: Payday loan, title loan, or personal loan

I simply placed an inquiry on line to be " preapproved '' for a loan amount and was then asked to " verify '' my information. The verification of my information was then taken by the company as a signature for the loan repayment. I never saw the terms of the loan, the APR percentage was only revealed after I verified my identity. Nowhere on that verification did it say that I was agreeing to the loan or the terms. The APR was then revealed to be 148 % of the original loan amount. When i attempted to return the money to the lendor, they stated that they could not take the money back but that I had agreed to pay it over the length of the term. Fraudulent and predatory practices!!!