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

On XX/XX/2018, my debit card was hacked and an XXXX XXXX was created and 5 separate transactions were attempted in the amounts of {$500.00}, {$500.00}, {$500.00}, {$450.00}. and {$450.00}. When I contacted US Bank ( XX/XX/XXXX ), I was immediately sent to the fraud department as the transactions were already flagged as potential fraud. I verified that I had not made the transactions. I was told that the transactions were a new XXXX XXXX account and someone attempting to wire funds to people. The fraud specialist assured me that she was reversing the charges immediately. I let her know that I needed to pay my rent and a car payment would be coming out. She said that the {$2400.00} was back in my account. She stated that I would receive paperwork in the mail to sign and would hear the results via mail in 60-90 days. 

On XX/XX/XXXX, I checked my account to find that my rent and car payment had bounced and I had a negative balance because all of the fraudulent charges had been processed. I immediately contacted the bank. The bank informed me that it is their policy that the vendor can choose to process the charges even though they are fradulent. The bank then continues the investigation and the money is returned to me in 10-14 days. Now, I have bounced rent, car, and other bills and have incurred late fees, and bounced charges. 

I do not believe that it should be legal for the bank to allow these charges to process after establishing with me that the charges were fraudulent especially after 1. already flagging the charges as potential fraud themselves. 2. verifying with me. 3. the fraud occured in a different state, and I had a charge in my own state same day. 4. and telling me my account was okay and returning the funds only to pull them agan. 

Also, I asked the bank to email me a statement regarding the fraud since I was going to start bouncing. They informed me it took 10-14 days to get me that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit

report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar
error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020 I have not been able to see a full credit history inside the " My Equifax Account. When I log in there is no history at all. no installment, no revolving, nothing and shows to this day my credit score from XX/XX/2020. It has not updated the score and tells me I have no accounts. 

So finally after 4 months of getting the runaround by the people who just answer the phone. They tell me the system is updating, please try later. I have made too many calls to them and i end up after 2 hrs still no one can tell me where all my credit history went. I contacted them in XXXX and got the same runaround. Tell them whats going on and they ask for identifying info then say, we have escalated this to another department and someone will be in touch within 48 hrs. Well 3 weeks is not 48 or even close to 48 hrs.Still no word of where my credit history went and when this will get fixed. I have reported this for 5 months. I have had Identity theft issues and i was wanting an extended fraud alert but with no history showing and can't even get anyone to actually help me I cant get this done. So this is where I'm at 5 months almost 6 months later. NOWHERE! Please Help.
Product: Debt collection

On XX/XX/year> I had an accident when I ran into a vehicle who stopped too fast for me to respond due to fallowing to close. On XX/XX/year> I went to court and agreed to terms. Afterwords i received a debt collection from XXXX XXXX XXXX XXXXXXXX XXXX recovery partners po box XXXXXXXX XXXX XXXX XXXX. 
Toll free XXXX Local XXXX and spoke to a agent by the name of XXXX XXXX and made an agreement to pay {$20.00} a month every month minimum payment which I did on around XX/XX/year> after i received the letter. I have sent another payment on around XX/XX/year> and a XXXX payment in XXXX/XXXX/2925. XXXX said if I make payments I wont go into default and wont send a letter to the state to suspend my license. She lied and mislead me. I makes payments as I agreed with her in good fail and she still sent a letter to wa state to be suspended and said they wanted more money then agreed on and then kept changing the final price. They also tried to make it look like I didnt make agreement and sent a new agreement they wanted me to sign after the broke out verbal contract. XXXX also told me i dont need to get a lawyers consultation because they it proves I have money if I speak to a lawyer. She also said not to reply to letter from the state for an administrative hearing/request interview to challenge the pending action against me that brown and XXXX submitted after I made payments to agreed price. Claim number is XXXX from the collection letter they sent me. This has created allot of stress and anxiety to me. I feel the mislead me, manipulated me and went against our agreement.
Product: Credit card or prepaid card

Dear CFPB, I opened a credit card with Capital One in XXXX, and the address on the account was an old rental address of mine in Maryland. I moved from that rental property in XXXX, but the change of address I initiated with the USPS apparently did not report back to Capital One that my address was no longer valid, and Capital One continued to mail all of my information to that address for many years thereafter. I forgot that the card was still active, and it carried a XXXX balance for many years until someone obtained my card in XXXX ( likely someone who lived at the rental I previously occupied ) and fraudulently charged several purchased on the card. The total charges were under {$200.00}. 

After a year of calling in several times to Capital One, to log the dispute, and hearing nothing back, and continuing to see this derogatory information on my credit report, I finally persisted today for hours until someone finally told me that they refused to consider the charges true fraud. 

I also found out that the account was still open, but I had closed earlier this year. 

Additionally, Capital One has changed the account number for my card and is reporting two different card numbers for the same account to the credit bureaus, so that it appears as if I have two seriously delinquent cards with Capital One. 

I asked the fraud manager that I was speaking to, XXXX, what I could do at this point. I asked if I could appeal the decision. She said no. I asked if I could be sent a written explanation of why the charges were not deemed fraud. She denied that request as well. I also asked to speak with her supervisor, and she said there was no supervisor available, even though she was only a manager. 

I was defrauded and I'm being denied any kind of fair process. 

Thank you in advance for any help.
Product: Debt collection

I have sent the debt collector us collections west proof that the debt that are trying to collect is not mine and was opened fraudulently in my name due to identity theft. I have sent them the police report by XXXX police department, identity theft report filed with the federal trade commission and they are asking for a detailed report from the police which does not exist. I have talked to the supervisor in charge of the financial crimes department at XXXX police and was told there is no follow up and case was not assigned to a detective. They need to stop collecting this debt as it is not mine. My credit is also frozen with all 3 major credit bureaus due to the identity theft that occurred
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a few accounts that are no longer obsolete since XX/XX/XXXX. Since the bureaus didn't respond to my initial dispute, I sent an additional follow-up on XX/XX/XXXX and then XX/XX/XXXX. The bureaus have yet, to this day, sent me any kind of update or responses in regard to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Why did my XXXX, XXXX, and XXXX  credit score decrease by XXXX  points after applying for a Capital One credit card. This company placed my account in Over the limit status, dishonestly, unethically, unfairly, and deceptively. 

I received a credit to my Capital One credit card account from XXXX XXXX XXXX The credit was in the amount of {$56.00}. 

Capital One applied the {$56.00} to my account as a purchase instead of a credit again, unfairly and deceptively placing my account in Over The Limit Status Capital one again, unfairly and deceptively Capital one alleged Budget had a hold on my account. Not true at all. Budget had already released the rental car hold. 

Please see attached email from Capital One admitting the {$56.00} was an approved purchase instead of credit Capital One need investigating, exposure, and auditing. How many consumers are they doing this to. I feel Capital One is participating in internal fraud. 

I had to file an attorney general complaint on Capital One. 

Please see all attachments.
Product: Checking or savings account

I Was working out at the XXXX XXXX in XXXX XXXX on Wednesday XX/XX/XXXX around XXXX to about XXXX. I try to workout for about 3-4 hours I put my phone along with my workout bag and other personal items inside of the locker that is provided at XXXX XXXX like I always do and never had a problem until Wednesday Someone went in the locker room while I was working out and stole my phone, wallet, my US bank card, XXXX XXXX credit card The pin to my US bank card was mailed out to me and I kept that piece of paper folded up in my wallet because I tend to forget things a lot and didnt want to forget the pin to my card XXXX XXXX told me that they would check the cameras and let me know something but I still havent heard anything back yet I had multiple unauthorized transactions on my account that were done on my US bank account from Wednesday XX/XX/XXXX up until XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


3. 15 US-CODE 16921 XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


5. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three unknown inquires on my credit report. They are from XX/XX/2018 one is Wells Fargo Dealer S, the other is XXXX XXXX  the last one is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked repeatedly that an account by the name of " XXXX XXXX  '' which has been sold to " XXXX XXXX XXXX XXXX '' which now has a balance of XXXX is showing on my credit report. I have advised XXXX this account does not belong to me and it was noted based on communication from XXXX that this account has been " blocked '' or deleted from my credit report however I am still seeing this account showing on my credit report as of XX/XX/2024. Again I ask that this account which does not belong to me is removed from my credit report. This inaccurate reporting has hindered me from being able to obtain credit. Previously I have uploaded a police report and ID theft report I am hoping you all still have that for your record. 

Here is the response below from a previous complaint " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you the documents you provided were incomplete and included a XXXX affidavit for you to complete and return. In response to your request to block fraudulent information appearing on your credit report, we sent you a letter to inform you we were unable to block the information for the reason described in the letter and we investigated the information by contacting the creditors to verify the accuracy of the information. In response to your dispute request, we sent you a letter to inform you the information is not currently on your XXXX credit report and included instructions on how to obtain a credit report. The dispute investigation ( s ) that were initiated for the following account ( s ) and/or public record ( s ) have been cancelled at your request : ''
Product: Mortgage

Loan number # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Formal Complaint to the CFPB Regarding Wells Fargo Mortgage Account Irregularities Complaint ID XXXX Dear Consumer Financial Protection Bureau , I am writing this formal complaint against Wells Fargo regarding my mortgage account with the loan number # XXXX. My name is XXXX XXXX, and my address is XXXX XXXX XXXX, XXXX, LA XXXX. 

I am reaching out to request urgent assistance in obtaining critical documents related to my mortgage contract. I am an aggrieved party, having identified what appears to be mortgage fraud committed by Wells Fargo on my account. I am taking this matter seriously, especially considering the criminal implications under Louisiana Laws, specifically RS 14:71.3 Mortgage fraud. 

Despite multiple requests, Wells Fargo has failed to produce my original mortgage contract, accounting ledgers, and all IRS documents sent to the Internal Revenue Service on my behalf. This lack of cooperation raises concerns about the validity of the debt claimed by Wells Fargo, as outlined in 15 U.S. Code 1692g - Validation of debts.

As a United States Veteran who utilized a Mortgage Certificate of Eligibility, I am particularly troubled by the discrepancies in my mortgage account. I suspect intentional mismanagement of the mortgage terms, leading to incorrect interest and fees charged to my account.

Under Louisiana Revised Statute TITLE 9, I am formally requesting the following documents, each with a clear and conspicuous presentation, and bearing my original wet ink signature : 1. Mortgage contract 2. Promissory note ( endorsed front and back ) 3. My deposit check ( front and back ) 4. Ledger balance record 5. HUD-1 statements with signed documents 6. Checks from my Trust account at Amsouth 7. My downpayment deposit check 8. Mortgage underwriter estimate 9. All Title company underwriters ' documents with included fees 10. Notary names and numbers for document notarization 11. Title insurance certificate 12. Mortgage payment letters ( signed ) 13. Documents explaining my voluntary transfer of security interest and rights 14. All documents signed by the CFO of Wells Fargo 15. A signed statement explaining the refinancing and restarting of my mortgage 16. Every recorded document with the courthouse under 9-523 I request that each copy of these documents be on legal paper, mirroring the format of the original contract. Wells Fargo 's failure to provide these documents has hindered my ability to assess the accuracy of my mortgage terms and raises suspicions of unethical practices. 

I appreciate your prompt attention to this matter and trust that the CFPB will take the necessary steps to ensure a fair resolution. Please inform me of any additional steps I should take to address this issue promptly. 

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

I submitted a public record investigation request to LexisNexis XX/XX/2017. As of today I have not received a response. LexisNexis is in clear violation of the FCRA in that they have exceeded the 30 days allocated to them to respond per FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I am writing to request the removal of inaccurate and unfair information regarding child support from my credit report. As you may be aware, child support obligations are governed by family law and should not be included in credit reports. Furthermore, recent events and a multitude of laws support the notion that child support information should not be used to assess creditworthiness. 

The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer information, including credit reporting. According to the FCRA, credit reporting agencies are obligated to ensure the ACCURACY and FAIRNESS of the information they include in consumer credit reports. Including child support obligations, which are not indicators of an individual 's creditworthiness, goes against the spirit of this law. 

Moreover, the CFPB, a federal agency tasked with protecting consumers in the financial marketplace, has emphasized that child support information should not be used in credit scoring models. They recognize that child support payments do not reflect an individual 's creditworthiness and should not be considered as a factor in determining credit eligibility. 

Recent events have further highlighted the need to safeguard individuals from unfair credit reporting practices. In the wake of the XXXX pandemic, many individuals have experienced financial hardships, including difficulties meeting child support obligations. Recognizing the extraordinary circumstances faced by parents during this time, several states have implemented temporary relief measures to suspend enforcement actions and modify child support payments. It would be unjust to penalize individuals for these temporary hardships by including child support information in credit reports. 

Furthermore, the XXXX settlement in XX/XX/2020 serves as a reminder of the importance of accurate credit reporting. The lawsuit alleged that credit reporting agencies failed to maintain accurate and complete credit reports for millions of consumers. This settlement reinforces the need for credit reporting agencies to exercise caution when including sensitive information such as child support obligations in credit reports. 

Considering these laws, regulatory guidance, and current events, I respectfully request that you remove any inaccurate and irrelevant information regarding child support from my credit report. Doing so would align with consumer protection principles, fairness, and industry best practices. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX would show how this is incomplete inaccurate and not being reported fair. Since it cant be use in credit scoring needs to be deleted
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/2024 ; UNAUTHORIZED ACCOUNT/ INQUIRY.
Product: Credit card or prepaid card

On XX/XX/2021, I was charged {$750.00} through a virtual account number on my Citi credit card that I do not use or carry. There was a charge before this one that I filed fraud on through the app, and it was resolved the second charge for the XXXX I had to call in after the call was disconnected I used the message service in the Citi app and opened up what was supposed to be a fraud claim for the XXXX. Citi then connected a possible fraudulent vendor and received a response with no information related to me, the account holder. Citi reversed and stated I was responsible. I wrote a letter stating the information did not match and should have never allowed the charge in the first place. They then wrote another letter stating they still would not reverse the charge. Citi Bank will not give me any information on how this has happened and will not reverse the fraudulent charge. I would not recommend anyone to use Citi Bank credit cards due to this security concern and lack of resolution and customer service.