23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank ran an unauthorized credit check on my credit report on XX/XX/XXXX XX/XX/XXXX. I sent a letter to XXXX, XXXX as well as Capital One Bank asking for removal of the unauthorized inquiry. XXXX, and XXXX  said I needed to reach out to Capital One Bank ( which I did in writing ) and the inquiries are still reporting. 

I did not apply for a line of credit from Capital One Bank. I would like the inquires to be deleted NOW. It is against the law to run an unauthorized credit check without my permission.
Product: Checking or savings account

for the past several years I have been trying to get my fraud charged off checking acct cleared up and NFCU refuses to follow REG E pertaining to the fraud> also I feel racially profiled as a XXXX woman in her late XXXX. I want my acct reopened and the fraud charges removed from my acct so I continue doing business with NFCU. Also I have since moved
Product: Debt collection

XX/XX/XXXX - Received correspondence via e-mail that references a different debt that Citi satisfied via illegal garnishment of my wages while I was XXXX overseas on an XXXX XXXX assignment. 

First incident ( during XXXX - XXXX XXXX : While on an XXXX XXXX XXXX overseas, during which my rights under the Servicemembers Civil Relief Act ( SCRA ), Citibank garnished my wages for a credit card debt that was under dispute. I wrote to my chain of command who referred me to Citibank. I then wrote to Citibank who referred me to my chain of command. The issue was never resolved ; Citibank effectively got away with violating my rights under the SCRA! As proof, Ive submitted the following documents : 1. A copy of my orders effective XX/XX/XXXX. 
NOTE : I was XXXX from XX/XX/XXXX to XX/XX/XXXX. My wages were garnished in late XXXX ( sometime between XX/XX/XXXX and XX/XX/XXXX ). 
2. Copy of correspondence received from Citi in which they acknowledge receipt of the dispute we sent via certified mail on XX/XX/XXXX. No additional response was received regarding this matter. It should be noted that Citi improperly classified the {$29.00} recurring charge as Purchases and Advances when these were, in fact, Fees. 
3. Screen shots of collection-related charges posted to my account by Citi while I was XXXX XXXX XXXX, XXXX {$80.00} for SALARY OFFSET ENROLL FEE XXXX XXXX, XXXX {$29.00} for LATE PAYMENT FEE XXXX XXXX {$29.00} for LATE PAYMENT FEE XXXX XXXX, XXXX {$29.00} for LATE PAYMENT FEE In total, Citi availed themselves of approximately {$800.00} of garnished wages while I was XXXX! 
New incident ( in XXXX amidst the pandemic ) : Unfortunately, the XXXX XXXX has a relationship with Citi. As such, soldiers are forced to get a Citi credit card for government expenses. I had to, again, get a Citi card - despite not wanting to - to pay for expenses related to a permanent change of station ( PCS ) move, which took place between XXXX and XXXX of XXXX. Despite having submitted all the necessary paperwork, my command failed to pay Citi. So they Citi began harassing me. I recently retired ( in XX/XX/XXXX ) and am now living on a fixed income. I paid the total amount due to Citi in monthly installments. I sent the last payment to Citi in XX/XX/XXXX. 
In XX/XX/XXXX Citi inexplicably sent notice that I owe {$100.00} and provided no justification for the new charges. I immediately sent a certified letter in which I indicated that I was disputing the debt. In fact, I am again sending a certified letter today, XX/XX/XXXX, to reaffirm that this debt is in dispute. Citi is threatening to garnish my retirement wages to satisfy this unsubstantiated debt. I believe Citi is emboldened to violate my rights again because they have already gotten away with doing so in the past. 
Citi should be held accountable for violating my rights. I believe I am owed the money they garnished from my wages in XXXX even though I was protected under the SCRA. Further, Citi should correct their records and clear the latest alleged debt that I am confident I do NOT owe!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed with Experian on XX/XX/XXXX for inaccuracy on the acct # XXXX XXXX XXXX .This is a factual dispute. I have attached Experian generated results report. XXXX Experian has failed again to do their duty to report accurate information. They are consistently reporting inaccurate information on my credit report that violations my consumer rights as per FCRA. 

Report XXXX XXXX Date Generated XX/XX/XXXX ( attached is exhibit A ) This account is closed and paid in full never late. Experian is reporting XXXX. 
Inaccurate history being reported by Experian. How can this account be open being XXXX days late or past due? But XX/XX/XXXX its no longer late???? 
-No payment amount listed. ( violation ) -No status update for XX/XX/XXXX. When i clearly disputed this account. Experian has not updated this since XX/XX/XXXX. ( violation ) -Incomplete payment history Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 
XXXX v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information. 
The results of there improper investigation continues to report this unverified information. 


Delete this account for all the discrepancies listed on my credit profile.
Product: Credit reporting

According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX account number XXXX ... ( XXXX ) indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. " According to my Experian credit report number XXXX dated XXXX XXXX, XXXX, the XXXX XXXX ... indicates in the 'Status Details ' section that " This account is scheduled to continue on record until XXXX XXXX. This item remains unchanged from our processing of your dispute in XXXX XXXX. " I have disputed this credit item with Experian several times to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been keeping a close eye on my credit report because I have been a victim of fraud. Equifax is very aware of this information yet the do not seem to care or want to help me fix this issue. I have disputed my personal information on multiple occasions and it seems like they just keep adding it back or adding more wrong info to my credit file. This has happened so many times now that I am no longer able to dispute my personal information online and when I call the member service number they still do not want to help get my information correct. I want all personal information removed from my credit report other than my name - XXXX XXXX XXXX, my address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and employer XXXX . There should be nothing else under my personal info at all. Please delete all other information & do not add it back. I have sent Equifax letters, proof of my drivers license, my social security card, & my XXXX bill and they still insist on not deleting this wrong information. Delete " ALSO KNOWN AS '' and " PREVIOUS ADDRESS '' I have sent you proof that has been notarized. Abide by the law & remove all other information. I have also disputed a new inquiry found on my credit report that appeared on XX/XX/2018 from XXXX. This is an unauthorized inquiry. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I called and cancelled my doctor appointment 24 hrs prior to my appointment. I called back and reschedule my XXXX test few weeks later. I showed up ang gone thru the procedure. I completely paid for the bills. Couple month later, I get new bill for no show for first appointment. I called the doctor office, told them I followed the procedure. XXXX XXXX credit collection refuse to remove the collection on my credit report. They reported a duplicate report and collections on my credit. I disputed both cases wit XXXX, the original dispute case number is ; XXXX and the duplicate case number # is XXXX. The collection are extremely rude and hostile. Both reports has the same amount and dates. How is that possible? Please help. Thanks. XXXX
Product: Checking or savings account

On XX/XX/year> my checking account was completely wiped out and put into the negative. When I spoke with someone from the bank they said I had several transactions that day. Which yes I did but not enough to completely drain my account. I was also told that pending transactions had not gone through. Well if that is the case then my card would have declined purchases that were made that day and if this is true why is this the first time its happened. There are no transactions to dispute because I did purchase every one of them. But I did not spend the XXXX $ that is unaccounted for.
Product: Debt collection

Comenity Bank keeps calling the phone throughout the day to attempt to collect someone's debt. No one that lives here has debt. They have never said who the debt was for, the amount, or tried any other forms of contact. The first apparent caller id ping was on XX/XX/2021. Many of these calls hang up on the answering machine. These calls are also spoofing numbers. Not 100 % sure if it's the actual company at this point. Consistently calls throughout the day and hangs up without providing info and sounds like a scam
Product: Vehicle loan or lease

I purchase a 2013 used XXXX XXXX at XXXX XXXX, in XXXX, Connecticut. 
It was advertise for {$16000.00} and no where did it stated that the sale was as is. 
I gave them {$10000.00} in cash and needed {$6000.00}, so they set it up with Santander Consumer USA because my credit is not perfect. 
After a few months of owning the vehicles I took it for a service call because the service warning came on ; and I had been driving the vehicle less than 5 months. 
I was then told that there was a " Steering Wheel '' re-call which XXXX XXXX had not even taken care of before they sold me the vehicle. 
Thank, God that i was not involved in an accident for my grandchildren had been with me a few times in the vehicle. 
A few weeks ago I received the surprise of my life when I called and spoke to one of their representatives at Santander Consumer USA, and the young lady who was assisting me stated that I still owe {$31000.00} on my loan. I asked that she explain how Santander Consumer USA arrive at that balance and she could not explain it to me, I got so frustrated that I got the conversation short and hung up. 
I am still trying to figure out : How does a {$6000.00} loan end up at over {$31000.00} balance still owe? 
In advance thank you for any assistance that you can give me.
Product: Money transfer, virtual currency, or money service

I have an account with Coinbase ( for 3 years ) where I buy and trade Bitcoin as an investment opportunity. I have funds locked in a Bitcoin XXXX  that need to be moved to my Bitcoin wallet ( part of their normal security process ). There are multiple layers of security and 2 email addresses are required. One of my old email addresses is no longer active so this is preventing me from receiving an authentication email to get my funds. Coinbase no longer has a phone line for customer service ( I assume due to covid ) so email is the only customer service available. I first emailed them about this problem XXXX, receiving a generic email thanking me for contacting them and someone would be in touch soon. I waited one week, heard nothing, email again -- same generic response back. Emailed again every day from the XXXX. Finally on XX/XX/XXXX I get a response saying the only way to fix this is to have them move the funds to my wallet, delete the vault, and then I could create a new vault and be back in shape. They sent a link asking me to verify my id ( send phot of drivers license ) which I did. On the XXXX I get the same email asking me to verify again which I did and got confirmation that it was verified. Today ( XXXX ) they email me saying if they don't hear from me my case will be closed due to no action on my part. BEYOND FRUSTRATING that my investment money is locked with no access and their lack of customer service is causing me to loose money every day as the Bitcoin market fluctuates like a stock price. Amazing that this company wants to go public with an IPO and yet has virtually no level of customer service when funds are locked and unacsessable. 

XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Checking or savings account

In early XX/XX/XXXXI mobile deposited three checks into my checking account at Wells Fargo. Two were from an individual, XXXX XXXX, for {$410.00} and {$340.00}. The other was for {$30.00} from XXXX XXXX XXXX XXXX ( which is XXXX XXXX credit card operation ). The checks never showed up in my account. The weekend of XX/XX/XXXXI called Wells Fargo to ask why they never showed up. They said they were not deposited correctly, so onXX/XX/XXXX I deposited them into a Wells Fargo ATM machine. The check from XXXX XXXX was rejected, and Wells Fargo charged me an {$11.00} returned check fee. When I asked why the fee, they said whoever wrote that check did not have enough money in his/her account and it was overdrawn ( which is absurd since it was XXXX XXXX ). XXXX XXXX XXXX then informed me that XXXX XXXX XXXX debited his checking account twice for the exact same checks, once on XX/XX/XXXX and again on XX/XX/XXXX. He sent me a text showing the two debits.

I contacted Wells Fargo again on Sunday XX/XX/XXXX and explained ( over the course of an hour ) that obviously the three checks had been processed in XX/XX/XXXXeven though they were never credited to my account. Wells Fargo said they would investigate and get back to me.

In the meantime on XX/XX/XXXX I called XXXX XXXX to ask why the {$30.00} deposit made on XX/XX/XXXX had been rejected. XXXX XXXX said it was because it had already been processed onXX/XX/XXXX. XXXX XXXX   got Wells Fargo on the phone with us to explain, but the Wells Fargo rep was clueless and had no idea what to do.

Today, onXX/XX/XXXX, I got a call back from Wells Fargo. Today they said I had to call XXXX XXXX   to get them to them to reissue the check, which they won't do because it was already paid once ( even though I never got the {$30.00} ). XXXX XXXX is sending me proof in the mail. Wells also said that the two checks to XXXX XXXX had been deposited into an ATM machine in XX/XX/XXXX. This is also absurd because the checks were not even written until mid-XX/XX/XXXX. I did deposit one check from this same individual in an ATM onXX/XX/XXXX, for {$340.00}, but it was a different check. It was check no. XXXX. The XX/XX/XXXX check was XXXX. So obviously Wells Fargo did not even bother to look at the check to see they were two different checks.

At this point, Wells Fargo still refuses to rectify the situation or admit it did anything wrong. I am out {$30.00} from XXXX XXXX  and XXXX XXXX. is out {$750.00} because his two checks were paid twice ( although I was only paid once ). I wonder how many other people made mobile deposits that were never credited to their account. Is this another " scandal '' waiting to break open at Wells Fargo?
Product: Vehicle loan or lease

I purchased a new XXXX XXXX  XX/XX/22. The finance staff at the dealership spelled my last name wrong on the the paperwork. I have made several calls to Hyundai Motor Finance Customer Service ( HMFCS ) and sent them the documentation they requested and they still have not made the name change. 

I wish to payoff the vehicle but I can't since the title would be incorrect thus incurring additional finance charges. I am having trouble registering my vehicle since the name on the paperwork does not match my correct name. 

I have been told my supervisors at ( HMFCS ) that they can do nothing until someone in XXXX XXXX TX. contacts them and the can not reach anyone there to make the change.
Product: Debt collection

I SENT A LETTER ON XX/XX/2021 TO THE COMPANY TO VERIFY THAT THIS DEBT IS MINE THEY FAIL TO VERFY THE INFORMATION I ASKED FOR TWICE.SENT ANOTHER LETTER TO VERIFY THAT THE DEBT IS MINE ALSO IN XXXX THEY NEVER RESPONED TO THE SECOND LETTER.
Product: Checking or savings account

Navy Federal Credit Union, charged me overdraft fees when I had money in my accounts, somehow they made it seem like the money wasnt there.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/2022, I called Marcus by Goldman Sach to close ( 2 ) CD accounts and move the balance of $ XXXX to the saving account that I have with the bank. The staff over the phone told me that the funds would be completed transferring within 24hrs as it is within the same financial institute.

Two days later, on XX/XX/2022, I called to follow up because the funds weren't transferred as I was told. The staff asked me to wait for another day. She had no clue why it didn't happen. 

Another two days passed, on XX/XX/2022, the funds were yet not transferred. It took me over an hour to talk to the staff and manager. The manager said she would escalate the case but can't guarantee the transfer. The phone got disconnected and nobody called me back. 

They did explain that the bank has received high volume of CD closing and the system has difficulties to process the requests. I strongly believe it isn't a valid reason. If it is a bug in the system, bank should solve it. It's unfair to ask the client to take the loss. Both bank and client should proceed as the terms specify. The bank shouldn't and must not deprive the client right 's on his/her money.

As of now, I have spent quite a few hours and it goes nowhere. Most importantly my money is not secured at Marcus by Goldman Sach. The bank isn't doing its duty. 

Please help to bring this issue to the right team and close it ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$170.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX, XXXX, XXXX, Balance : {$120.00}, {$200.00}, {$350.00} Account Name : XXXX XXXX Account Number : XXXX, XXXX Balance : {$850.00}, {$580.00}, {$480.00} This is a formal complaint against Equifax, XXXX, and XXXX. I have disputed this account on XX/XX/XXXX because some information is not reporting consistently such as the date of last activity. Forty days after my first dispute letter I have logged in to my credit monitoring and I see no changes at all. Like for the XXXX collection account, the date of last activity is still reporting XX/XX/XXXX in XXXX, XXXX shows XX/XX/XXXX, and Equifax is reporting XX/XX/XXXX. There is only one creditor in which this collection account was verified and validated from so how can the date be reporting on three separate dates?
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, inconsistent, and questionable items that your agency didn't make sure it was reporting 100percent accurate. In accordance with the fair credit reporting act, everything has to be 100percent accurate on my credit report and under 15u.s.c1681e ( b ) and 15u.s.c1681i ( 5 ) these accounts are in violation of not reporting 100percent accurate.XXXX account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  account # XXXX The credit reporting bureaus stated that these accounts weren't properly investigated and came back verified. however, how is this true how is this true when there is several inaucacies showing on my report? As a consumer, I request to know all the steps your agency took to insure that these items were 100percent accurate under 15u.s.c1681i ( 7 ) method of verification-description of reinvestigation procedure. Resolution as a consumer, by law my credit report must be 100 percent accurate immediately by the credit reporting agencies to delete the accounts listed in my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

So this is a closed account it clearly shows charge off. But at the same time its says open. But I says amount due zero. But its open seams to mean that this is an inaccurate reporting. And it shows no last due which would mean it should show current. This is an inaccurate reporting and this account either 1. Needs to be deleted totally from my credit all there agencies or 2. Shown as current all the way across the board. Either way they are being allowed to report inaccuracies on my credit which is gendering my credit. Please update or remove.it says date opened was XX/XX/2021 that is incorrect as I do have one with them that is current. Please have them to supply you and me with documents that I signed this account to be open on the date that they have reported. It does not exist
Product: Money transfer, virtual currency, or money service

Someone took {$2200.00} out of my account ( with my debit VISA card ) without my permission through Cash App on XX/XX/20. They took 4 transactions : {$200.00}, {$400.00}, {$700.00} and {$900.00}. I have a copy of my Bank Statement showing the transactions and a screenshot of my Cash App showing I did not make those transactions.