23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Capital One received a {$1500.00} direct expedited electronic payment from me on XXXX/XXXX/2015 and immediately placed a fraud hold on my account, I called in when my newly paid off card was declined. From here a 2 day nightmare began where they forced me to conference call every financial institution I have done business with in the past and currently including banks I have never made payments to C1 from. They threatened me with legal action, accused me of criminal acts and withheld my funds. They forced me to provide them with private account numbers and details that do not in anyway pertain to them or my account. As I had just put such a large amount of money towards that account I felt I had no option but to submit and do what I was told. As soon as I provided them with a piece of information or called a bank lwith them and listened to them tell my financial institutions I am suspected of fraudulent activity they would disconnect the call and I was forced to begin the entire process again while I listened to the other agents laughing in the background. As a result of this pointless investigation I have had to deal with fraud holds and account closings caused by their inquiries. worst of all this is not the first time ... C1 is constantly witholding my funds, contacting my other institutions without my permission and with no logical reason ... Im not even sure how they know I do business with the others. They have closed my account twice without reason and reopened it leaving several duplicate accounts on my credit report dragging my score down to XXXX they dont report my payments, they report late payments that were not late and they have generally tortured me endlessly.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX, XXXX XXXX XXXX, and accounts connected to XXXX and XXXX, which I do not recognize. These accounts are potentially fraudulent and were improperly re-added to my credit report without providing me the necessary documentation to investigate or validate the legitimacy of the charges. 

Here are the key issues : 1. Re-addition and Re-aging of Fraudulent Accounts : XXXX allowed XXXX XXXX to re-add previously disputed and deleted accounts related to XXXX and XXXX. These accounts were previously removed due to a lack of validation. I have provided evidence of potential fraud, but they were still re-added without a proper investigation or verification of my disputes. Additionally, the accounts have been re-aged, which violates the Fair Credit Reporting Act ( FCRA ). 



2. Negligence in Addressing Identity Theft and Medical Incapacitation : I filed an FTC Identity Theft Report and provided proof of my medical incapacitation ( including a hospice certification ). During this period, numerous individuals had access to my devices and personal information, making it impossible for me to monitor accounts. Despite this, the creditors and XXXX ignored my incapacitation and the identity theft report and closed the case without addressing the fraud or providing any documentation to help me investigate what could have happened. 



XXXX. Failure to Provide XXXX XXXX : I have repeatedly requested full transaction histories for these accounts, including merchant details, dates, and authorization records. This documentation is necessary to determine whether the accounts are legitimate and meet the standards for filing a police report for identity theft. Instead of providing the necessary records, XXXX XXXX continues to send incomplete validation documents that only include the account balance, which proves nothing. Without seeing transaction-level data, there is no way to verify who made these charges. 



XXXX. XXXX of XXXX XXXX XXXX : I am currently judgment proof following bankruptcy, and my ongoing health issues make it difficult for me to engage in lengthy disputes. XXXX XXXX, XXXX, and XXXX are exploiting my vulnerable status by failing to provide documentation that would allow me to investigate potential fraud. They have been provided with ample proof of my situation but continue to ignore the requests for transaction histories. 



XXXX. Continued Violations of the FCRA : XXXX XXXX is engaging in delete and re-add practices and manipulating balances and account dates without explanation. This violates the FCRA as they are re-aging the debt and adding previously disputed items without any new evidence or validation. The lack of transparency and refusal to provide meaningful verification is unacceptable.
Product: Checking or savings account

On XX/XX/2023 I had a merchant called XXXX XXXX XXXX TN pull 6 unauthorized charges totaling {$280.00}. I disputed the claim with my Chase bank as fraudulent charges and they temporarily reversed the funds on XX/XX/2023. On XX/XX/2023 I noticed the money was pulled out again, they reversed the charges, pulling out {$280.00} from my account again. Today, XX/XX/XXXX, upon calling them and inquiring why they are accepting these fraudulent charges to be pulled out of my account, I was told that they could not find any contact information on the merchant therefore were unable to contact anyone regarding the charges so there were no funds to be recovered. These charges are fraudulent and there is no information online to be found as to who or what this merchant is. I was never in Tennessee, where these charges were supposedly made. There is no contact information to be found on this merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a lawful right to privacy and that right has been violated by Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX5 U.S. Code 1681 Section 602 of the Fair Credit Reporting Act states : 15 U.S. Code 1681 Section 602- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Furthermore, a consumer reporting agency may Not furnish my consumer report without written instruction from me under 15 U.S. Code 1681b Section 604 which states : 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I HAVE NOT PROVIDED WRITTEN INSTRUCTION TO : Account Name XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX tO FURNISH MY CONSUMER REPORT AND HAVE BEEN VIOLATED BY ALL OF THE ABOVE. 

Please see the attached documents that reflect attempts made in order to protect my privacy. These violations have caused a tremendous amount of stress for me, my family, and household.

Additionally, there are requirements relating to information contained in consumer reports, according to 15 U.S. Code 1681c Section 605, which states : 15 U.S. Code 1681c Section 605- Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I have committed no crimes so again, my rights continue to be violated here.

The Consumer Law states that it is the duty of the furnishers of information to provide accurate information.

15 U.S. Code 1681s2 ( A ) ( 1 ) Section 623- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Please see the many errors highlighted in the consumer report print outs attached. These errors were also explained via certified letters dated back as early as XX/XX/2022 only to later be verified or falsely manipulated in some way.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I submitted a fraud dispute back in XX/XX/XXXX for a unauthorized charges I did NOT make. However, in XX/XX/XXXX, I received a response from chase stated that I have to be responsible for the charge. THe detail of the transaction is listed as below : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have contacted this company on numerous occasion about this problem!! I am not responsible for this collection account! This account was open fraudulently with my personal information and identification. I 've sent in the police report and affidavits that they requested!! This same account was with another collection company and it was removed from my credit!! And now this account is back on my credit with different collection agency!!
Product: Student loan

On XX/XX/XXXX, Congress passed, and the president signed into law, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which provides for the above relief measures through XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, President Trump directed the Secretary to continue to suspend loan payments, stop collections, and waive interest on ED-held student loans until XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, the secretary of education extended the emergency relief measures for ED-held student loans until XXXX XXXX, XXXX. 

In contradiction to federal law, Navient is forcing me to make payments during this extension period and possibly reporting on my credit files as late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

There is an issue with a derogatory mark/account on my credit report that inaccurate. This was not means I have no knowledge of who/where/how this appeared on my report. I attempted to dispute the error and received a reply that the information is accurate ; it is NOT accurate.
Product: Checking or savings account

My son was targeted in his first yoer of College in a teacher work related scam where the scammer sends him a ( fake ) check but real from another innocent party as a work related task. He was asked to deposit it and send the professor ( via XXXX ) a sum of money and keep the rest as his pay. Obviously, the check was returned as unpaid, the Bank ( BOA ) says they can not trace the XXXX Payment ( even though they had the recipients pay info ) and proceded to charge back to my son 's account. This account could not afford the pay back as the funds did not support that payment. So BOA took the funds out of MY account which was connected only by my wife 's name on my account. My sons account was separate and I do not know how that is legal??? 
To the tune of approximatley {$1000.00} They would not reverse nor even negotiate this transaction, so I closed my account with them after about 30 years with the institution! 
I think this policy is ilegal and should not have been my personal account 's responsibility. BOA actually had the scammer 's info but would not persue. 
I also filed a report with the FBI about the scam.
Product: Mortgage

I am writing this Complaint because : PHH failed to pay my property tax ( for Q1 XXXX ) on time. The payment has been 2 months late. 

The property tax for Q1 XXXX, which is due on XX/XX/2021 ( per the invoice mailed by the XXXX XXXX XXXX has not been paid as of date XX/XX/2021 ( see attached ). The town has mailed 2 written delinquent notices ( see attached ) informing me of the issue.The documents have the contact phone number of the Township. 

As a customer of PHH mortgage, we have an escrow account where your company currently holds my money, which is supposed for the property tax payments. According to my loan agreement with PHH, all property tax payments are under PHH 's responsibility and it is the firm 's legal obligation to make the payment timely and accurately on my behalf using the funds in my escrow account. 

I, XXXX XXXX, have made several phone calls with the customer service representative and the escalation managers to raise the issue. The first phone call was on XX/XX/XXXX and the representative confirmed that the original Tax amount plus any additional interest would be paid in full by PHH Mortgage Services. However, I continued receiving another delinquent notice from the town ( with a new due date of XX/XX/2021 XXXX .I then submitted all the paperworks required by the escalation manager to the escalation services and to the Tax department several times. 

However, as I didn't see any progress made and my case was still pending verification, I made several phone calls back and was told by an escalation manager ( ID XXXX : XXXX XXXX XXXX that the team was still verifying the information and couldn't reach the XXXX township, thus the payment had not been made. 

I then called the township on XX/XX/XXXX and was able to connect right away. We were even able to conference the escalation manager into the call to verify with the officer at the township. The township confirmed that they always have officers taking phone calls and following up on voice-mails. 

As of date XX/XX/2021 we have made countless phone calls yet the payment has not been made. 

I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. 
You can reach out to me at XXXX or email : XXXX. 

Loan XXXX Names on loan documents : XXXX XXXX XXXX XXXX and/or mailing address : XXXX XXXX XXXX, unit XXXX XXXX NJ XXXX Regards, XXXX XXXX XXXX
Product: Debt collection

I sent THREE ( 3 ) letters to the debt collector to explain that I had nothing to do with this debt, that my IDENTITY was stolen, and also to give me information and proof of my signature on these debts/contracts. I was told the next step is to get an attorney, which I can not afford, I am on a fixed income ( XXXX ). The Identity Theft website had you on the list to send a complaint about this company. Thank You PORTFOLIO RECOVERY ASSOCIATES, LLC
Product: Credit reporting or other personal consumer reports

Just how in the world was I ignored multiple times with my requests to have these accounts verified because I don't think they were reported with a XXXX percent accuracy. This has been making me feel ignored and XXXX  because how am I supposed to go on with my life knowng that my credit scores has negatively impacted my applications for so many things and it's all because these accounts weren't even verified or certified to a maximum accuracy.
Product: Credit card or prepaid card

I went to XXXX on XX/XX/XXXX with my significant other, while staying there on XX/XX/XXXX I got a fraud alert from my chase credit card to which I responded and then contacted as advised via text. I spoke to an agent and quickly got the issue resolved ( which I appreciate greatly for there protection ). Two business days later I received my new card and continued my usual routine. On Wed XX/XX/XXXX my credit card gets declined w/o warning, I ask the clerk to try my card once again and it gets declined a second time. To my surprise I do not get a fraud alert or anything via text so I call. I speak to someone on the phone at about XXXX XX/XX/XXXX and he tells me that they decided to close my account but he had no information. I decide to call later that afternoon around XXXX and I get told that they are closing my accounts because " our affiliate is ending its banking relationship with you '' and nothing else that there is nothing that I can do and to wait for a letter. Today XX/XX/XXXX I get a letter dated XX/XX/XXXX stating nothing more than " our affiliate is ending its banking relationship with you '', so I call and speak to n account supervisor, she states that chase is closing my accounts because chase, chase bank, XXXX XXXX, or one of its affiliates has ended an account with me so that they are doing the same. I told the account manager that the only other account I've ever had with chase was the credit card that was closed a week earlier due to fraud, she stated that there is nothing more in the file and that they were ending our relationship ( end of conversation ). As a client for 17-18 months with a credit line of around 40,000 I am appalled to not get any reasonable explanation, I have excellent credit, always pay on time, and had just made a few payments earlier this month. I asked many a time if it might be a clerical error due to my other account being closed and they say they will not do anything in regards to my accounts. For a business with that high of a status and reputation I think it is negligent to brush off a loyal client off like that without trying to resolve the issue ( I even tried to get my mortgage with them but had offered me too high of an interest rate ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen and numerous credit cards and purchases were made in my name
Product: Vehicle loan or lease

Approximately XX/XX/2019, Santander Consumer USA, once again reposted my vehicle without notifying me of their intent to do so. Further, this occurred after they were notified that I was hospitalized and that I was deemed XXXX XXXX and as a result, a claim would be filed with the XXXX XXXX XXXX XXXX and they would be paying the Note off in full. Since Santander Consumer USA was the lost payee the payoff would be made directly to Santander despite the fact that I had made many payments to Santander that were covered By the claim in an effort to keep my account in good standing and to avoid repossession. I was given inaccurate information by several different Representatives ; including being told that my vehicle had already been sold at auction, after I paid the amounts I was told would be required to recover the vehicle. My request for my case to be escalated to upper management and/or Corporate was never responded to. Further my request to have recorded conversations with Representatives reviewed to verify the inaccurate information I was given and to prove that I paid the amounts I was told would be required. These actions resulted in my inability to have XXXX insurance claim paid due to the vehicle being repossessed and auctioned and and outstanding balance remaining of 0ver {$9000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The Account is XXXX XXXX XXXX XXXX XXXX. They have illegally reported this to Equifax and other creditors and I have PROOF of said actions. I want the reported accounts removed.
Product: Credit card

I applied to the " XXXX XXXX '' credit card, being enticed with their {$200.00} bonus in XXXX of this year. I was approved & the card was mailed out to me. Today, XX/XX/XXXX, I called to verify how much had to be spent to receive the {$200.00} bonus. 

I was put on hold and transferred to an agent who stated my credit card didn't come with a {$200.00} bonus offer, and that my application was switched mid-application to one without a bonus offer. I was NEVER given the option to opt-out or decline when I was filling out their application, nor was I told during the application process that they weren't approving me for the card that I had wanted. This is an unethical, illegal bait & switch. I have excellent credit and pay all of my bills on time. I have never experiencing anything like this in all my years of utilizing credit cards! 

I asked them to resolve this somehow or switch me to the proper product, which is the ONE I APPLIED FOR and although I was supposedly speaking to " a manager '', they said there was no resolution at all.
Product: Money transfer, virtual currency, or money service

I recently got scammed for trying to adopt a dog. I had sent a money transfer through my bank ( Chase ) using XXXX. Having used XXXX before I knew it was reliable. The scammer had shared all his information so I felt comfortable doing the transaction. When I knew I got scammed, I called Chase right away and told them what had happened. The only thing Chase can tell me was that " they can not help me '' and to contact XXXX instead. I contacted XXXX and they just told me to send money to people I personally know. I wanted to complain because it is unacceptable how XXXX is able to be off the hook without helping for a second and Chase not having to hold XXXX accountable even though XXXX can be used directly from Chase.