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

XX/XX/XXXX XXXX XXXX charge {$100.00} XX/XX/XXXX XXXX XXXX charge- {$150.00} XXXX XXXX XXXX XXXX charge- {$100.00} I contacted chase multiple times and sent in dispute forms supporting my claims that I did not authorize these charges. I also contacted XXXX and they told me because the transaction was completed they can no longer assist. At this point you are my only hope in getting this money returned since my bank or the merchant are not cooperating. I provided proof of me trying to contact the merchant to get a refund and I was blocked and given the run around when trying to get a straight answer.
Product: Debt collection

I was very ill when I was XXXX, I had to have XXXX that put me out of work for almost a year. I could not pay for the credit card but tried to discuss that with the bank, I was told there was nothing they could do and they had already placed it in collection. I was told that I could settle for a lower amount than I initially owed and that upon paying my debt would be erased from my credit history ( the main reason I paid it off ). I noticed recently that nothing was ever removed from my credit report like the representative told me it would be. I spent months checking thinking maybe it takes a while but over 1 year later still nothing. I was lied to, they just wanted to take my money, and they overcharged me for my debt.
Product: Debt collection

In XX/XX/2018, I received a notification of a debt appearing on my XXXX, XXXX, and XXXX  files by a company named Waypoint Resource Group, located at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The information was pertaining to a debt with XXXX XXXX XXXX for {$1200.00}. 

I immediately attempted to contact WayPoint Resource Group by  phone and email correspondence. The representatives stated that they couldn't find an account using my identifying information. I responded that they have placed a collection on all three credit profiles so if they can't validate who I am, then to remove it. The agency was unable to locate my account. Therefore, I resorted to contact XXXX XXXX directly and found out that the account that this company is claiming to collect was opened by someone using my credentials and that it had already been paid in full and that I have no outstanding debts with them.

Waypoint Resource Group is guilty of a criminal offense of deception and attempting to collect funds not owed. WayPoint Resource Group made no attempts to contact me by phone, mail or email, they don't even know who I am. I am requesting that civil penalties be assessed against this company and that they be investigated immediately. I am also requesting that the credit bureaus delete this false information immediately.
Product: Credit card or prepaid card

I accepted a XXXX XXXX visa credit card offer from Capital One, applied for it and got it in XX/XX/XXXX. The offer was for 12 months introductry zero APR on purchase means no interests until XXXX XXXX. But they started charging me interests after 9 months instead of 12 mo. In XXXX they charged me {$18.00} and in XXXX {$17.00}. 
Another issue is that there is nothing in my monthly statements to show when and in what percentage the interests will be calculated! 
I talked with a representative and then a manager on Friday XX/XX/XXXX afternoon and they do nothing about it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX services is commiting tax fraud and are violating FCRA laws. They have cancelled a alleged debt that the company is still trying to collect. The company has also wrote the alleged debt off so what I don't understand is why is XXXX card services is reporting taxable income to all XXXX bureaus as a debt knowing XXXX well that debt and taxable income are XXXX different things. The company also knows that since they wrote the alleged debt off they need to send me a 1099c because they KNOW that it eradicates the debt making it taxable income which is not reporting on a consumer report XXXX5 USC 1681a. And guess what the company is not complying to send me my 1099c so I can finally get thing Charge off removed since it is now classified as taxable income. XXXX  card services is commiting both tax and consumer fraud which is illegal. None of this is made up the reports clearly states it on the attachments below. 



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

capital one bank has pulled my credit fraudulently without my consent 3 times on my XXXX and XXXX report, I have contacted their customer service dept numerous times and they have done nothing to fix this.
Product: Credit card or prepaid card

I have recently obtained a BOA XXXX Rewards XXXX XXXX. 
The card lists the travel benefits like lost luggage protection, trip cancellation, car rental, etc. However their is no explanation as to which circumstances you would be eligible for any of these benefits. I am looking for the term and conditions of these benefits. I have spoken to no fewer than XXXX BOA representatives in XXXX different departments all referring me to someone else saying they can not provide that information. They can verbally tell me if I qualify but they can not send me the terms and conditions. This is fraud, who is to say if a claim is made that it is covered as nothing is written down and provided to the customer. All I am asking for is the terms and conditions of the travel benefits they have sold me in order to sign up for the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$4200.00}, {$8200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNTS 1.XX/XX/XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4200.00} -This is not my account. 

3. XXXXXX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account.
Product: Checking or savings account

In XXXX I had fraud on my checking account. The account was wiped out except for {$52.00} and change. I reported the fraud. I was shortly thereafter notified I would not get my funds back however they would continue to try to retrieve my funds for the next 90 days. During that time all the bank did was charge my account a fee of $ XXXX monthly due to the low balance created by theft. I was stuck keeping the account open in hopes of retrieving my funds. When I called and asked for a refund I was told they could only refund 2 months equal to {$24.00}. I escalated this through a supervisor and was told I would get an email with their decision in 48 hours. It has been 10 days and now they will just take another {$12.00} out of my account for keeping it open. This is ridiculous. I am totally stuck, if I close my account I get nothing and if I keep it open they keep taking money for fees. I refuse to put more money into an account that had theft and fraud so what am I to do? I am only trying to get the fees refunded.
Product: Money transfer, virtual currency, or money service

Zelle doesnt include warning about sending money. As soon as you click that button the money is taken out of your account and arent able to get it back
Product: Debt collection

I contacted my landlord to pay my debit since I never received a letter or call from their colleagues agency. I was evicted on XXXX XXXX XXXX XXXX. I called them XXXX they told me it that my file was with the collection they provide me their number. When I called XXXX they didn't know how much were my chargers, so i checked on my tenant portal it showed that i owed {$3500.00}. They told me to call them back. I called they said that my case was sent back to my landlord that they were no longer handling. I called my landlord to know how much and told them that I never got a call or letters from the collection agency. Then I called then XXXX they were trying to charge me {$1500.00} plus {$3500.00}. I asked for a detailed ledger since on my account showed a credit. They never provided that information they said that I had to pay or it was going to show on my credit and on my brothers who co- sign to help me and my son get an apartment since we couldn't find anything without a co- signer. When I requested a ledger print I was able to see that my landlord was changing my landlord to get payment from the State of SOUTH CAROLINA.
Product: Checking or savings account

Charges were made on my account for XXXX XXXX XXXX XXXX XXXX XXXX I tried to dispute as I am XXXX XXXX XXXX  and obviously would not be in these places XXXX Navy federal denied my claim and my appeal. They wont send me documentation as to why it was denied and said the police will have to subpoena the documents. I am troubled that I was willing to send proof of my XXXX to prove I was not at these places. Also same day I have charges that I did make where I live. The distance between the two places is over XXXX mile radius. How can I be at two places at once?
Product: Debt collection

I had a call from XXXX, from global trust management. From the start of the call she threatened me and told me that I was intentionally committing fraud and I was purposely not paying. She didnt verify me at all, so I dont even know if this is a legitimate company. Once I challenged her on her threatening behavior she transferred me to her manager so I can explain to him why Im purposely committing fraud. The manager,  XXXX XXXX, was nice at first, but when I asked for him to call back after work hours, he also became aggressive and harassing. I felt very threatened by both of them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX  Subject : Dispute Regarding Inaccurate Late Payments XXXX Account Dear CFPB, I am writing to dispute inaccuracies in the reporting of the XXXX XXXX XXXX XXXX XXXXXXXX ) on my credit report. Upon review, I identified erroneous late payments reported for XX/XX/XXXX ( 30 days late ) on XXXX and XX/XX/XXXX ( 30 days late ) on both Experian and XXXX. These reports are incorrect, as my payments for these periods were made on time. 
It is essential under the Fair Credit Reporting Act ( FCRA ) that consumer data be accurate and verifiable. These inaccuracies are unjustified and have negatively impacted my credit report and financial reputation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
Experian : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
XXXX : Incorrectly reports a XXXX late payment for XX/XX/XXXX. 
Attached, I have provided evidence demonstrating timely payments during the months in question, including bank statements and payment receipts. These documents clearly show that my payments were made as agreed and on time. 
Request for Action : Immediate Correction : Update the account 's payment history to reflect a status of " Paid As Agreed Never Late '' for the disputed months. 
Investigation Procedures : Provide a detailed description of the process followed to verify the late payment claims, as required by FCRA 15 USC 1681i ( a ) ( 7 ). 
Proof of Late Payments : Submit documented evidence supporting the reported late payments, including specific dates, amounts, and communication indicating delinquency. 
If no verifiable proof can be provided, I expect these inaccurate late payments to be promptly removed from my credit report. 
Reference to PAANL ( Paid As Agreed Never Late ) : The terms of my agreement with XXXX have been strictly adhered to, and this account has always been paid on time. Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my credit report should not reflect information that inaccurately describes my transactions or experiences with this account. 
Supporting Documentation : Highlighted copy of my credit report showing the discrepancies I trust you will handle this dispute with urgency and professionalism. I expect a written response to this dispute within the timeframe outlined by the FCRA ( 30 days from the receipt of this letter ). Failure to provide a timely and accurate resolution will be considered a violation of my consumer rights. 
Thank you for your prompt attention to this matter. If additional information is required, please do not hesitate to contact me. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. THESE INQUIRIES THAT ARE LISTED IN MY FTC REPORT ARE NOT MINE. I HAVE NEVER APPLIED FOR ANY OF THESE PRODUCTS. I HAVE SUBMITTED THE PROPER DOCUMENTS TO BLOCK THESE INQUIRIES FROM MY CONSUMER REPORT.
Product: Debt collection

Every XXXX of every month for several years, I have been charged for debt protection on my Citibank Best Buy Credit Card in the amount of {$49.00} plus interest. I never agreed to have debt protection on my account. I am not financially stable enough to have any additional charges on my account. The reason I never noticed anything until now was because I don't use my Best Buy Credit Card that much. Whenever I make purchases, they're usually large amounts ( i.e.television, laptop, etc. ) and I opt for interest free for those purchases. Whenever I open the main menu in my account, I see two large purchase amounts with expiration dates of when the interest free is over with. It doesn't mention any additional charges. Those debt protection charges and interest are tied into those two amounts, which are not noticeable unless I open a statement. I called an agent at Citibank to inquire about my statement and she informed me about these debt protection charges. She advised me to notify their dispute department. I reached out to their dispute department and there was nothing they could do about any one of those charges. I spoke with a manager letting her know my concerns and she could not do anything for me. I even went the sympathy route of reminding her that I have been a customer for more than 15 years. She still would not assist me. She did mention that the debt protection is something that customers need to opt out of when they sign up for credit card services. I was a little confused because it sounded like it is an automatic charge on the account when I sign up unless I opt out of it, but I was never informed about debt protection. This entire debt protection seems like a scam. This entire incident has really hurt me financially. I have only been paying the minimum balance because there isn't any interest on my account. However, interest has been accruing because of the debt protection. I can not believe that I did not catch on as to why my balance has not been much lower.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

I transferred XXXX $ on XX/XX/XXXX at XXXX from Venmo to my XXXX debit card. I paid XXXX $ for those funds to be transferred instantly, and Venmo says the max time to transfer those funds would be 30 minutes. It is now XXXX on XX/XX/2033 so it has been over four hours now and I have not received the funds. The money is gone from my Venmo balance and it says the transaction has been completed, yet the money is not in my XXXX debit where I sent it. Venmo said the only way to get my money back is to file a dispute in my XXXX debit, but I cant file a complaint with them because the money never got sent there so theres no way I can dispute. I have sent money to this account before and I checked multiple times that I sent it to the correct account. I want to know where my money is and if like to be reimbursed for the XXXX $ I spent for an instant funds transfer that has take six times longer then Venmo says an instant transfer takes at its longest time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX {$300.00} Inquiries : RENTAL PROPERTY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XXXXXX/XX/XXXX Transunion Fraud Victim Assistance Department XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX$300.00} Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX XXXXXXXX # XXXX {$300.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Though I very much appreciate the sentiment in deferring our federal student loans, there has arisen a serious problem. The loan providers have changed the loan status to " Deferred '' at all the national credit bureaus and now credit scores are dropping. My credit score dropped almost 20 points overnight. 

Student Loan deferment is not supposed to change credit scores. In this case, I neither ask for nor approved the deferment as it was done by the President of the United States. Why should my credit suffer as a result? 

This is not the time that any of us can take precipitous drops in our credit scores. I had to call my provider this morning and request they take me out of deferment and resume making payments just to repair the damage to my credit. This defeats the whole purpose of the effort in the first place. 

Attached is a screen print from XXXX XXXX. This shows the change made to my accounts where the remark Deferment was added to my student loans and a resultant 17 point drop of my credit score. 

Credit Bureau : Transunion Loan Servicer : XXXX XXXX Could you please raise awareness of this issue? 

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

THIS CAR LOAN WAS NEVER OPENED BY ME IN THE FIRST PLACE I ASK THEM TO JUST REMOVE THE LATE PAYMENT OR THE ACCOUNT AS A WHOLE I NEVER SIGNED FOR THE LOAN AND WANT THIS ACCOUNT REMOVE ASAP
Product: Student loan

I have not been provided with monthly statements ( emailed eStatements or physical mailed statements ) since XXXX 2015. I have no proof of payment history for the last 4 months and the lender is unwilling to provide me with any statements for that time period.
Product: Vehicle loan or lease

My father passed away on XXXX. I have called Kia Finance 10 times spoken to 20 people and faxed the death certificate 6 times. Kia will not accept the return of the deceased 's car. Kia keeps telling me that they never received the paperwork although it has been sent 6 times. This is an attempt to continue to accrue fees and frustrate the return of the vehicle.
Product: Money transfer, virtual currency, or money service

I have received four letters from Cash App with Cash App cards for accounts opened that I did not request. I do not have any accounts with Cash App and don't want any. I called the number on their website which seems to be a scam because they would not close the accounts over the phone and instead through e-mail wanted me to download a screen capture program to upload pictures of the front and back of the Cash App cards that I received in the mail. I have read that downloading the screen capture program gives scammers access to my computer or phone. I did not download the program or send them pictures. I believe scammers are opening accounts in my name to scam me or others. Based on XXXX searches, I have read that Cash App only has customer service through their app, but I don't want to install their app and create an account with them. I just want the fraudulent accounts closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report for an account that is not mine.
Product: Student loan

My student loan is managed through Navient. I had been making payments towards my loan even though my due date was not until 2018. I thought that the payments I had been making were being applied towards my principal but over the last couple of months I noticed that my principal was increasing instead of going down. When I called Navient they told me that my payments were being applied to the interest that I would accrue until 2018 and until I paid this off then the rest would be applied towards the principal. I told them that why would I pay to defer my payments when I know I am accumulating interest? This option makes no sense and I do not recall signing up for this. They automatically put me on this plan which I would have never agreed to.
Product: Credit reporting or other personal consumer reports

Under frca you can seek statutory damages if a creditor furnisher inaccurate information about a debt such as incorrectly reporting a charge off while still claiming I owe the debt that's against the law. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is still on my credit report and it is unverified.
Product: Prepaid card

A few years ago, I started receiving information about a Reliacard, around COVID. This is something I've never applied for. I have had the hardest time trying to change my information on the account or to gain access because I don't have the card they're referring to. It has been so difficult to reach customer service because they require the card that I don't have access to.