23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Two weeks ago I was going to pay for dinner and realized I did not have my Capital One Credit Card. I logged onto Capital One and realized I had fraudulent charges : XX/XX/XXXX - XXXX  for {$200.00} ; XX/XX/XXXX Wal Mart for {$110.00} ; XX/XX/XXXX XXXX XXXX for {$230.00} ; XX/XX/XXXX Wal Mart for {$200.00} ; and XX/XX/XXXX XXXX XXXX XXXX XXXXor {$38.00} for a total of {$790.00}. When I called Capital One two weeks ago, I reported that my card was missing and that someone had made the above fraudulent charges. Initially Capital One credited my account. They then sent me a new card. I was told by Capital One that their investigation would take about two weeks. Today is two weeks. When I checked my card online, Capital One had reversed those charges and added those charges back to my account. Today, I called Capital One back to ask why and was transferred to three different people The last person I spoke to said that I needed to show them proof. What is more proof that someone took my credit card and made those fraudulent charges. I am not responsible for those charges. Capital One is giving me a run around. As soon as I realized my credit card was missing, I called Capital One to report it.
Product: Credit reporting or other personal consumer reports

I need your help regarding this incorrect account listed on my credit report. Ive brought this to your attention because its harming my reputation, and I need your support. Your poor management of my credit report has brought me significant trouble, and your inaccurate reporting has damaged my reputation. You need to correct these mistakes so I can live peacefully with my family.
Product: Vehicle loan or lease

I am being discriminated against by Credit Acceptance. The  discrimination is based on several factors. 

I supplied with Credit Acceptance full acknowledgement they received payment on a timely notice, then why not correct the error. 

Upon researching, I observed these biases are predominantly present within the lower socioeconomical buyers. This is applauding as to the terms within the contract. Its as if though I am helpless against big corporations such as credit acceptance refusing to treat buyers fairly and just. 

Its noticeable within some contracts within the less fortunate population payments are often reported late when on time. Due to it being a second chance finance company it takes full advantage on this premise. 

Initially the complaint was deemed unnecessary however to date, I have never received my title for this car. As per XXXX law I am Suppose to have this title. 

My vehicle has been parked for three months due to me not receiving the title for this car because its not able to be driven. 

I advised, I needed to obtain the title for insurance and registration purposes. 

To date, I have not received the title. The Company quickly adjusted the balance and after the complaint was closed changed the amount back. 

They are practicing discrimatory practices. There is no disputable fact, they received payment for those months on time. 

The company refuses to ensure they report accurately report such payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is not putting the accounts in question in disputes unless I call in and spend 2 hours minimum on the phone trying to get it done. They continue to state that they need me to send in certain documents but ignore my documents for 3 months and demand I send them again before my disputes can be looked at. All they say is that the back office team needs to look over the documents but fail to comply with notifying myself of the disputes and continue to spam me with mail requesting my license and other information Ive sent over several times in the last 11 months. 

I am gathering all of this proof carefully and very organized to pursue litigation with the help of my lawyer. 

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151. 

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent please remove from credit report. 

XXXX ) XXXX XXXX XXXX Account # XXXX Amount {$660.00} XXXX ) XXXX XXXX XXXX XXXX Amount {$2700.00} XXXX ) XXXX XXXX Account # XXXX Amount {$430.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a fraud claim through XXXX XXXX XXXX XXXXn person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX XXXX  First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

I was guided through a process which led me to transfer money via Zelle to an unknown XXXX XXXX account. XXXX XXXXXXXX XXXX advised that the investigation could take up to 10 business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been 10 business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX XXXX. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX XXXX is unable to help me recover my {$3500.00}. 
I am disabled and having anxiety attacks due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir, I have received a letter from Chase that there is account on my name, which was numbered was " XXXX '', I do not have any business with chase on any kind of loan or insurance, there were two credit cards ( ending XXXX  and XXXX ) and both were closed on XX/XX/2018 and XX/XX/2018 respectively ( letters are part of the CHASE CFPB Complaint IDs XXXX,XXXX and XXXX ). Individual credit card ending XXXX closed with XXXX balance on XX/XX/2018 and Individual credit card ending XXXX closed on XX/XX/2018 and I am paying remaining balance monthly. Apart from these two individual closed credit cards XXXX and XXXX, I do not have any business or no loans or no insurance or no business with chase at all. All of sudden I received the letter from chase that there is a account 'XXXX  ' on my name, address and social, which is a fraud, crime and identity theft. Could CFPB direct respective credit bureaus to explain me the full details of disputed fraudulent account 'XXXX ' in written response called on my name, social, rental apartment address and various identification details. I also observed that there is a phone number called 'XXXX ( Home Equity of Chase ) ', does it mean that someone has taken the loan using my name, social, address and various identification details fraudulently without my consent and authorization. Could CFPB kindly direct all the credit bureaus to file complaint against chase and account number 'XXXX  ' under forgery,, fraud, identity theft and crime. This is a fraud and crime that someone has taken the loan on my name, social, rental apartment address and various identification details without my consent and authorization. I am going to file the police complaint and communicate to federal department. Could CFPB kindly direct credit bureaus to dispute this fraudulent account 'XXXX  ', file a complaint against chase, provide me the complete details of this account and remove it from credit report under forgery, identity theft and crime. I do not have any business with chase and I have no idea what are other fraudulent details they used to obtain this loan using my identity and social.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2021 I made an international money transfer of precisely USD XXXX using the XXXX ( formerly Transferwise ) service. The receipt can be found attached, the # is XXXX ). Until today the amount was not credited in my account in XXXX. XXXX local partner requested a mountain of documentation without justification. How so? 

As is laid out on XXXX FAQs once a remittance amount supersedes USD XXXX these documents are required by lhe local ( XXXX ) XXXX XXXX and in accordance to international XXXX standards : XXXX XXXX XXXX? origin=search-XXXX XXXX : XXXX? origin=search-XXXX Clearly, this criterium was not met in this case, the amount did not supersede USD XXXX as per receipt attached. 

Verifying the FAQs of XXXX partner bank in XXXX the requirements for documentation are specified in more detail ( please find the full document attached ) : I did my transaction with International partners ; why should I send my documents to XXXX XXXX? 
Answer : XXXX XXXX acts as an international correspondent that provides payments, and is obliged by the XXXX XXXX XXXX XXXX to keep the registration documents and the origin of the funds according to their use. 
If the total amount operated in the last 12 months exceeds R {$100000.00}, XXXX XXXX will ask for : Identification document, CPF, proof of address, forms of XXXX XXXX XXXX registration form and power of attorney ) and documents to prove the origin of the funds. 

What is the reason for signing a Power of Attorney for XXXX XXXX? 
Answer : According to XXXX XXXX Circular 3,691, any transaction above US {$10000.00} requires a signature on an exchange contract. 
In order to improve the customer experience, we have made available the specific Power of Attorney to XXXX XXXX, allowing us to sign on your behalf when you have contracted the operation. Bear in mind mentioning that this Power of Attorney is only valid for abroad incoming remittances, sent by XXXX XXXX 's partner financial institutions. 

Again, neither one of these criteria was triggered in my case.

When speaking to the XXXX Customer Support team on the issue they simply refuted these criteria as well as the information provided on their own site and responded that the XXXX partner bank could request any documentation, at any time for whatever reason. This statement is not backed by above instructions of the XXXX XXXX XXXX They also cancelled the transaction without authorisation. 

As the XXXX XXXX XXXX now confirmed the amount XXXX passed on to them was the equivalent of USD XXXX therefore triggering the request for said documentation. This is obviously inconsistent with the operation I executed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit reports recently Ally auto is showing derogatory. It also shows, although we are clearly in the middle of a pandemic, that I have 4 recent late payments in XXXX, XXXX, XXXX and XXXX which is hindering me from purchasing a home for me and my children. During that timeframe I was mistakenly under the expression that was still on a a deferment. Ive tried reaching out to Ally Bank CEO Mr. XXXX XXXX on MULTIPLE occasions via email with no response as to removing these most recent late payments and derogatory status so that I can make this purchase for my family and I. My account is current.
Product: Checking or savings account

Subject : Concerns Regarding Account Overdrafts and Balance Reporting Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to express my concerns regarding my account with Navy Federal Credit Union. 

I have encountered significant issues related to the balance reporting on my account. I believe that the balance displayed often does not accurately reflect my available funds. This has led to unintended overdrafts, especially when using payment services such as XXXX XXXX and XXXX XXXX. As a result, I have incurred multiple overdraft fees that I believe are unjust. 

Despite my attempts to seek clarification and assistance from your team, I have not received adequate guidance on this matter. While your representatives have been courteous, I have not been offered a resolution or reimbursement for the overdraft fees incurred due to these discrepancies. 

A fair resolution to this situation would be for XXXX XXXX to return all of the money that has been taken from me due to these overdraft fees, along with any related charges I have incurred. Additionally, I believe that given the circumstances and the distress caused by these issues, an appropriate accommodation should be provided to reflect the seriousness of this situation. 

I kindly request a thorough review of my account activity, focusing on the transactions that resulted in the overdrafts and a clear explanation of how balances are calculated. Transparency in this process is essential to prevent future occurrences. 

Thank you for your attention to this matter. I look forward to your prompt response and hope we can resolve this issue amicably. 

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

Transunion, XXXX, XXXX XXXX XXXXXXXX XXXX refuses to verify nor validate their alleged account They do not have any contracts from original creditor with my signature and no contract with them with my signature they have NOTHING this last letter they sent through the CFPB dated XX/XX/2022 XXXX shows they want me to lie and say it was fraud I will not comply with their wishes { temporary fraud status } places NO .I have request through the CFPB 3 times on this alleged account and can not get any valid information enclosed is their letters, copy of bills no contracts no signatures. the way I see it they have no proof of anything. I have the right to request to them in writing what I want under the U.S.C. codes listed in my letter and complaints THEY REFUSE
Product: Mortgage

This client began trying to modify her loan in XXXX when her lender was XXXX. She continued to reach an attainable modification until XXXX when then lender was XXXX. After not being able to attain a modification, she opted to list her home with me in XXXX of XXXX for a short sale. At this time the file was with XXXX. The file was then sold to XXXX ( XXXX investor ). Although we were able to eventually get an offer that was approved from XXXX they buyers failed to close. We then submitted another offer with XXXX and was processing when we received word our file was being transferred to Shell Point. Up until the transfer we were communicating with the new investor through our contact at XXXX. We even received a counter offer from the new investor ( shell point ) and then the file was officially transferred over. We then spent the next 3 months trying to get an approval on this same offer. The buyers could not hold out any longer and again the buyers walked. I sent the contract cancellation the same day I received the approval from Shell Point. I then relisted and resubmitted an offer to Shell Point, first for {$310000.00} then {$320000.00} as to match the previous approval amount. This was submitted on XXXX XXXX, XXXX. I was told if I could submit at the same amount as the last we could expedite the file to get a quicker approval. Since then I as well as the sellers attorney have been told that this file will be expedited. If I do not get an approval for the current offer by this Friday, the buyers, will again walk. No one can seem to get an answer from the investor for Shell Point as I am told they are not in house. How can I expedite this file? This client has been through four different servicers in just one year. The sale date for this home has been deferred twice. There is another sale date scheduled for XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an additional card on my XXXX XXXX Platinum Card & received a notice that the card could not be processed. 

I picked up the phone to call them at XXXX. While waiting for someone to pick up the phone, At XXXX I received an email from Experian stating my credit report was pulled by XXXX. 

I then contacted XXXX who informed me that because of the fraud alert my credit had to be pulled. 

Problem is, I did not apply for a NEW LINE OF CREDIT. I requested an additional card on an EXISTING ACCOUNT. 

They also did not call to verify that it was okay to pull my credit or I would have informed them NO.
Product: Student loan

Dept of Ed/ Navient has reported two late payments to the credit bureaus for the months XXXX and XX/XX/2017. These late payments reports are inaccurate, At this time I was unemployed and the accounts were in general forbearance and under no circumstances should've been reported as late payments.
Product: Credit card or prepaid card

To whom this may concern, I would like to dispute my Comenity Bank account through Victoria Secret. I have discussed the issue with Comenity Bank multiple times, but nothing has come out of it. Last night was the last straw for me. Back on XX/XX/XXXX I received a call from them to collect a debt. The lady on the phone  told me that I owed some certain amount, HOWEVER if I paid {$140.00} that day, my account would be current. So, I did just that and was told that I was caught up with the account. I was never advised to close it at this point because I did not know at the time that fees were still going to be added. The conversation ended and I went on with my life. 

Fast forward to the past couple months, I have been receiving phone calls from Comenity Bank telling me that I am responsible for a payment of {$110.00}. Mind you, I no longer have this card nor have I made any purchases with it. I have talked to multiple people explaining the conversation I had with the lady back in XX/XX/XXXX. No one did anything about it. Everyone that I talked to just told me that I needed to pay it or it will go into collections. I then proceeded to tell them I am not paying for something I do not owe, and told them they needed to review the tape from XX/XX/XXXX.
Last night, I received another call from them to which the man on the phone was very rude. He told me that yes, the card was up to date as of XX/XX/XXXX but because I never closed it, there were still fees that were being added. I was not happy because this is the FIRST time I have ever heard that. I did not know the card collected " fees '' when there was no balance on the card. Needless to say, I was not happy and he hung up on me before I got the chance to ask him about disputing it. I then called them back and talked to a lady who gave me the address for the dispute line. She gave me the dates that I needed and certain amounts. 

This whole ordeal is showing up on my credit report and ruining it. The lady I talked to last night said I will have another bill being mailed out to me today ( XX/XX/XXXX ), due to me not having a bill on hand. I have also not received anything from them in the past 2 months or so. If you could please help me with this matter that would be great. 

Thank you for your time, XXXX XXXX XXXX