23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Complaint and Request for Investigation - XXXX XXXX Fraudulent Transaction Dear Capital One Bank Customer XXXX XXXX XXXX trust this letter finds you well. I am writing to formally register a complaint and request your immediate assistance in investigating a fraudulent transaction involving my Capital One account. The matter pertains to a deceptive entity operating under the name XXXX XXXX. 
On or about XX/XX/2022, my partner and I were enticed by an online video presentation delivered by XXXX, the purported owner of XXXX XXXX. This presentation emphatically touted the program as a risk-free investment opportunity. Subsequently, we were contacted via a webinar by XXXX XXXX XXXX, who introduced himself as a salesperson and official representative of the company. XXXX XXXX even claimed to have personally invested in XXXX XXXX 's campaigns, adding an extra layer of credibility to the venture. 
Our initial investment into XXXX XXXX amounted to {$16000.00} each, totaling {$32000.00}. 
This comprised a {$12000.00} fee for lifetime management and an additional {$4000.00} for the first month 's campaign investment, with the promise of substantial monthly returns. Over the subsequent XXXX months, we made further investments totaling {$48000.00} ( {$4000.00} each per month ). In aggregate, we have committed a substantial sum of {$80000.00} to this program. 
Crucially, XXXX XXXX had represented this program as entirely passive in nature, requiring only a monthly investment of {$4000.00} each. In return, the company assured us of monthly returns that would not only recoup our investment but also potentially yield profits of up to {$10000.00}. Regrettably, we have not witnessed returns exceeding a mere few XXXX dollars, and each month, we faithfully continued to invest an additional {$4000.00} each. 
To compound our financial burden, I was encouraged to apply for a {$16000.00} line of credit through XXXX, a recommendation made by XXXX XXXX itself. This line of credit was promptly approved, with the entire amount subsequently transferred to XXXX XXXX. The {$12000.00} was earmarked for the lifetime management fee, while the remaining {$4000.00} was designated for the initial advertising campaign investment. Enclosed, please find pertinent documentation confirming this transaction, which explicitly implicates the involvement of XXXX. 
In recent days, all communication from XXXX XXXX has abruptly ceased. Emails directed towards the company now bounce back without response. The once-promising program has now shrouded itself in darkness, and we have not received any compensation for our monthly campaign investments, let alone witnessed any returns on our substantial investment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to CFPB on XX/XX/2022 about Bank of America reporting credit history to 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again Bank of America responded back not addressing the issue. I clearly stated Bank of America was in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;, In simple terms, Bank of America is not suppose to report late payments to consumer reporting agencies ( late payments ). Bank of America has reported transactions and experiences with Consumer reporting agencies. Every time Bank of America receives this complaint, they send over the same documentation that they sent before. Bank of America needs to explain to me why they are reporting transactions and experiences to the consumer reporting agencies regarding this account. Clearly this is a violation. Bank of America needs to show me the law where they are required to report transactions and experiences between the consumer and the corporation ( BANK OF AMERICA ). I would also like to see how they investigate this matter, including facts that were found and laws stating what they are required to do by law when it comes to reporting to the consumer reporting agencies. Please do not send another resolution letter stating here 's our response with no laws to supporting your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 Experian credit reporting agency dropped my score by 50 points this is a paid service that I have through Experian to monitor my credit scores. On XX/XX/2019, I contacted Experian to see if they could give me an explanation as to why it dropped so significantly like was my credit card utilization was that up even though I knew it wasnt that I default on something even though I knew I didnt so I was very perplexed as to why it dropped 50 points. They said they could not tell me at all why it dropped they could not tell me where it came from what company what I did wrong what I default it on if I did anything like that they just said that it dropped 50 points there was nothing that they could do about it and I should contact a financial advisor. So what theyre initially saying is they just dropped my credit score by 50 points with no reason behind it. Ive been working for months to get my credit score up and paying off debt and everything so Im not ignorant to how this works.
Product: Checking or savings account

Wells Fargo did not issue me a provisional credit at the time of filing unauthorized transaction claims even though it was required by law. Wells Fargo also is not recovering my money that was stolen out of my checking account. I hate how Wells Fargo is taking advantage of me like this. They are not doing their job to protect their customers. This is the last time I will be filing my complaint on CFBP. If I don't get my money back, I will be talking to press and escalate this further.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 records 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, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/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 Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After verbal and written requests to validate a debt that Amex continues to claim is mine but has NEVER reported on my credit until they decided to pull my information from personal accounts I held with them, which is also illegal, and then they simply reported it as charged off because they could not validate the debt after MULTIPLE attempts requesting them to do so ; they have failed to verify this debt is mine via the agreement/contract. I have spoken to MANY people at the company and they have all said they would send me proof, but they never have. I have never had an account with Amex ending in XXXX. Furthermore the company is in violation of the FTC 's Fair Debt Collection Process, as they sold this debt to a third party debt collector and then reported this debt to my credit as charged off which is illegal to do once a debt has been sold ; debt was sold to XXXX. This debt needs to be removed from my credit immediately due to their failure to validate this debt after 14 attempts and phone calls requesting them to do so. Their last response to a complaint we filed was completely inappropriate as it failed to meet the requirements of validating a debt under the Fair Credit/Collection Process. They simply attached their card holder agreement terms but never proved that this debt was mine once again. I am prepared to hire an attorney and seek damages for their illegal reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to XXXX XXXX XXXX about amending the credit reporting to our Transunion accounts. They informed us to call Transunion. When we called we were told that the account was deleted, and only the mortgage company could reinstate the account. We have been corresponding with the mortgage company since XX/XX/2021, and now its XXXX. Nothing has been fixed we received several letters from XXXX stating that they are reporting as recently as XX/XX/2021. But I would really like to know how they are reporting to a deleted account.
Product: Credit card

I always pay my bills on time. I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C. 1681 e ( b ) and 15 U.S.C. 1681 b ( a ) 2 was not given my written instructions XXXX XXXX account number is XXXX .... 

transunions states balance is {$3100.00} XXXX  states balance is {$0.00} XXXX states balance is {$3100.00} date opened transunion states XX/XX/2017 inaccurate XXXX states XX/XX/201XXXX XXXX  states XX/XX/2017
Product: Debt collection

Under the Fair Credit Reporting Act ( FCRA ), the reported information falls under the category of billing errors that must be promptly corrected. These include discrepancies between the purchase price and the billed amount, charges for undelivered products or services, mathematical errors, and entries requiring further clarification. I insist that you conduct a thorough investigation with the creditors involved, and you will undoubtedly discover the veracity of my claim. Once the error is confirmed, I demand the immediate removal of this egregious misinformation from my credit report. Furthermore, I require that this letter becomes a permanent fixture in my credit record. Any questions regarding my request or the disputed credit information should be directed to me without delay. I demand your immediate attention to the following gross inaccuracies : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$5700.00}.
Product: Mortgage

I am a Countrywide victim. My mortgage was acquired by Bank of America as a result of the financial crash of XX/XX/2008. XXXX XXXX XXXX XXXX purchased my mortgage from Bank of America. Now Bank of America is the servicer for my mortgage on behalf of XXXX XXXX XXXX XXXX. I submitted an application for loan modification to Bank of America. Bank of America is demanding financial documents that do not exist and they refuse to accept financial documents that provide the same financial information, but are in a different format. For example, they are requiring that the document contain the word " statement '' and have a " beginning '' and " ending '' date and that the document must be issued monthly or quarterly. Some financial institutions do not issue monthly or quarterly " statements '' and instead issue a " transaction history '' which contains the same information. Bank of America told me to get letters from the financial institutions explaining that the financial institutions do not create the type of financial documents that Bank of America is demanding, but that other documents which provide the same information do exist. I obtained the letters and submitted them to Bank of America, but then Bank of America refused to consider them. Also, Bank of America keeps claiming that I did not submit documents when I did submit them and I can see those documents on their website. Also, XXXX XXXX XXXX spoke with Bank of America on one occasion, but then Bank of America said that they will no longer speak with XXXX even with written authorization from me. Therefore, Bank of America is not allowing XXXX to fully assist me. Bank of America also sent me a letter telling me that they are no longer " actively '' considering my application because I refused to submit the documents that they demanded, but also said that the application is still " pending '', and that they can still seek foreclosure if necessary. This constitutes " dual tracking '' and is illegal. They also told me that if I still want to have them consider a loan modification, then I would have to submit a " new '' application even though they did not make a decision on the first application. They also took away my " point of contact '' at Bank of America. They also cut off my online access to my application and informed me that they have " exited '' me from the system. Bank of America is claiming that XXXX XXXX XXXX XXXX is the one who is making the decisions, not Bank of America. Bank of America will not allow me to speak to the Underwriter. All of their conduct prevents me from taking an appeal of a denial and enables them to claim that they did not " deny '' my application.
Product: Credit reporting or other personal consumer reports

Concerning TransUnion only-I received notification that TransUnion dropped my credit score XXXX on XX/XX/year> from XXXX down to XXXX. I contacted them several times and for a month or 2 nobody could give me an answer because I have 100 % payments and all. Then they tried saying because my mortgage company didnt update since XXXX they dropped it. I said well they sometimes dont report to all agencies. They requested an update payment history from XXXX XXXX and told me once it was updated my score would be fixed and show next cycle. Never happened. We opened another dispute. Then they said it was because our mortgage balance is too high. We have been paying on time and never missed a payment. Everyone at TU that I chatted with said thats no reason for our credit score to drop. We just want it fixed. 
Thank you XXXX
Product: Debt collection

After my three year lease with Nissan Motor Acceptance Corporation ended, I received an invoice for {$4200.00}. I promptly responded and paid {$660.00}, the amount I was certain was due to Nissan. With respect to the other items in the original invoice, I sent Nissan a letter dated XXXX/XXXX/XXXX disputing certain items, asking for verification that certain expenses had been paid and asked for verification of the basis of certain charges. 
The next invoice I received a letter from Nissan credited my payment but did not respond to any of the issues raises in my letter. I then sent another copy of the letter, and had the post office provide me with a tracking source that the letter had been delivered. On XXXX XXXX, XXXX I received another letter from Nissan reminding me that the balance of {$3500.00} was due, and staring that if I did not pay the amount due, my account may be referred to collections and the credit reporting agencies. 
Nissan has an XXXX number to call, and I tried it twice, finally hanging up in frustration after being on hold over 12 minutes. 
The majority of the amount Nissan claims is due is likely valid, e.g., the amount Nissan claimed paid to the XXXX for an annual car tax. I am only asking for verification that Nissan paid the bill from the city .A majority of the amount in question can be resolved by Nissan providing me with the backup requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally seeking proper guidance and assistance to secure that the information reported on my credit file is 100 % accurate. I recently received a copy of my credit report and feel that there is an item that is misleading and incomplete. Therefore, I request that you investigate this item. XXXX XXXX / XXXX XXXX I would appreciate your immediate attention to this matter. I am looking forward to a positive response from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my consumer report, I've noticed some unauthorized inquiries being reported. I've tried contacting ( XXXX, XXXX, and Equifax, ) in regard to removing these unauthorized inquiries from my report, they continue to refuse to do so. I Demand these fraudulent inquiries be deleted from my consumer report Immediately. Below I've Attached my FTC report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, an XXXX XXXX issued by XXXX XXXX  XXXX was fraudulently opened in my name without my authorization. I did not apply for this account, nor have I ever used it. This fraudulent account is negatively impacting my credit report and is currently past due, causing multiple late payments to appear on my credit history. 

The account has a balance of {$4600.00}, a credit limit of {$6500.00}, and available credit of {$1800.00}. I have never made any transactions or payments on this account. I became aware of it only after reviewing my credit report. 

I am requesting an immediate investigation into this fraudulent activity. This account should be closed, removed from my credit report, and any associated late payments should be deleted to prevent further damage to my credit.
Product: Debt collection

I made numerous attempts on numerous occacions to discharge my debt of my XXXX XXXX XXXX sent documents as well my security to the indentured trustee of my security which is bank of New York Mellon. I havent gotten a notice of dishonor or any response from the company i also sent those documents to XXXX XXXX same thing no response. Im well aware that the indenture trustee has duties and responsibilities in accordance to 15 usc XXXX and the trustee indenture Act 1939 and the securities Act of 1934. failure to adhere to these administrative duties results in disciplinary action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit card

On a morning of XX/XX/year> at XXXX am. I woke up to two unauthorized transactions notifications on my " XXXX XXXX ''. The first transaction is " XXXX* XXXX # XXXX '' with the amount of {$3400.00} and the second transaction is " Lm* XXXX # XXXX '' with the amount of {$1000.00} ( See Exhibit XXXX ) The above transactions went through without my consent. The SoFi Credit Card has a Fraud Free messaging service that send you a text message from an automated text Message service " XXXX '' to either accept or deny any suspicious activity by answering with " Y '' for Yes or " N '' for No. Although the Fraud Free messaging service has failed to verify these two transactions by sending a message, so I could've denied it. just like I did for another transaction on the same day with the amount of {$140.00} from " XXXX XXXX '' ( See Exhibit 2 ) The " XXXX XXXX is a grocery store located in XXXX XXXX Al XXXX XXXX XXXX Al XXXX XXXX XXXX - XXXX XXXX XXXX ( Source : XXXX XXXX ) Knowing that all these transactions were made outside of the united state territory and overnight. SoFi fraud system has still failed to verify my identity for the other transactions. 

On Friday XX/XX/year>, I have noticed that the same two transaction has been posted again in my account. ( See Exhibit XXXX ) So I called customer service to report it. I have been told that the XXXXraud Management Services has determined that I am responsible for the unauthorized transactions and that I have to pay the {$4400.00} so then I got routed to XXXX on XXXX XX/XX/XXXX at ( XXXX ) who has confirmed that I was held responsible. 

I am now filing this complaint against SoFi Bank, XXXX. to fight back with the Consumer Financial Protection Bureau. 

Thank you for your time and consideration.
Product: Debt collection

Javitch Block filed a lawsuit against me in XX/XX/XXXX in small claims court on behalf of XXXX XXXX XXXX for a credit card that was charged off on XX/XX/XXXX for {$3100.00}. 

I am currently a full-time student barely making ends meet utilizing my student loans and financial aid. The circumstances which led to the default of the credit card was that I was furloughed from my part-time job when the pandemic hit, I haven't worked since then, I contracted XXXX, and lost my father tragically -- all within the past 12 months. Additionally, I am taking XXXX for my XXXX and XXXX, while trying to remain enrolled in school to keep my financial aid. 

I have made several good faith attempts to negotiate a settlement offer with Javitch Block but they are refusing to accept my offer of {$1300.00}. When trying to speak with the manager, I felt belittled and threatened by him. He spoke to me in a condescending manner suggesting that I should go find a job like everyone else so I can pay this balance and then threatened me that they will see me in court soon if I can't pay the amount they are demanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting two 120 day late payments on a student loan account, during Cares Act 2020. How can anyone be currently late on a student loan account, when all payments are suspended and interest rates are at 0 %. Originally Equifax had my student loan one payment 120 days late in XXXX. Dropped my credit score almost 140 points, by adding {$1.00} increase in the student loan. Of course I reported them here and disputed it. Equifax, then added another late payment and moved the month of both late payments to the month of XX/XX/2020. They are going through loopholes to keep my FICO  score in the low category, despite there being nothing but the false information they are reporting. Clearly they are harassing me and have been since I first reported them here. 

Since they had to remove a collections account per the collection agency ( XXXX XXXX  {$670.00} ) itself, but because Equifax dropped my FICO score to the low 500 's, any removals of this magnitude on my credit report does nothing to raise my credit score. 

How do all 3 credit bureaus get to lower my credit score with false information, remove it once its disputed and proved inaccurate, but leave my FICO score low? Can someone explain that to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

There is something seriously going on with my credit. I keep seeing some hard inquiries that are not mine or associated with me. I am a victim of identity theft, the XXXX major bureaus have my proof already. I just checked my report again, and am see some hard inquire that aren't mine. I want them delete immediately, and i am asking for my credit report to be correctly update, and current. According to the law, all hard inquire reporting on a consumer 's report must have a permissible purpose.
Product: Mortgage

Hello. I owned a home ( XXXX ) back in XX/XX/2013. The home went into foreclosure. I packed up all of my belongings so that I could pick them up before the locks were changed. When Chase informed me that the locks had been changed and gave me the passcode to the drop box, I found that the vendor that changed the locks stole personal items. Chase told me I had to file a police report. The Police could not come out to make the complaint because the mortgage company no longer allowed me access to the house after that. I do not know where else to direct my complaint to since it is difficult contacting Chase.