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

On XX/XX/2020 I was the victim of a phishing scam, involving a fake Website. I deleted the screenshot of the fake website when the fraudulent charge was originally credited to my card. I did, however, submit the name of the fake website on XX/XX/2020, immediately, when I received a XXXX transaction receipt from XXXX XXXX. The website was not named, XXXX XXXX, and I have no idea who or what XXXX XXXX is. 

5/3rd bank " investigated '' the fraudulent charge. From the seller they received a fake business name, " XXXX XXXX, '' a fake business Email, " random numbers and XXXX, '' which is a spam Email server XXXX, XXXX, XXXX, and others will not allow Email from, a fake business phone number with an area code that doesn't exist, and calling the business phone number results in a recording saying the number is not a working number, a XXXX slip that does not display my home address, and when I called XXXX for clarification, they said the tracking number on the slip was related to a package that came from, " XXXX, '' even though the " investigators, '' received NOTHING from XXXX, and a copy of the document they received from the seller that requested " proof of the purchaser receiving the item '' which was completely blank. 

And yet, with these and even more illogical red flags displaying to any logical thinking human being that the charge is in fact fraudulent, the " investigators '' deemed this a " legitimate '' purchase, and reversed the credit they issued on XX/XX/XXXX. 

This is now XX/XX/2020. I closed this account on XX/XX/2020, due to the horrible mismanagement of this fraudulent charge investigation. I have no charges on this closed XXXX account other than this one fraudulent charge. In fact, have no other charges on any other credit card. 

Even though it is closed, I have received two late fees, two interest charges, and even though I received a document stating credit bureaus would not be contacted, there was a delinquent account message sent to XXXX, which lowered my XXXX  credit score from XXXX to XXXX. 

I have contacted 5/3rd well over 50 times. I have sent pages and pages of documents through the mail, Email and fax, showing why I am a victim of a phishing scam. I have been into two local branches, and communicated with well over 50 5/3 employees by phone, Email, and Chat. I am told to wait, and wait, and wait. I am told supervisors, " Do not take calls. '' I am directed around and around and around and around in circles. 

I have contacted the XXXX, XXXX XXXX page, disputed by XXXX credit account, and now am contacting the FTC.
Product: Checking or savings account

In early XXXX of 2024 my phone had been stolen from the gas pumps in XXXX Florida at the XXXX gas station my phone was then used to transfer money from chime through cash app in XXXX and {$30.00} increments upwards to about {$600.00} worth I called the cops the cops actually watch the video from the store and caught the girl who stole my phone I turned all this over to chime and they denied my request for unauthorized transactions so I resubmitted my claims at this point the claims are around XXXX plus dollars they kick those out too right before the provisional credit would hit and then again I called and had them resubmit them because they are fraudulent charges and why chime allow them to continuously transfer money out of my account in XXXX and {$30.00} increments is beyond me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found items that are not mine that are being reported to all three credit bureaus. I have never lived at this or any other apartment in the last 20 years. Creditor : Hunter Warfield Account # : XXXX I have always paid my bills on time. I am victim of identity theft and want this item off my credit.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

XXXX XXXX, XXXX Complaint against Capital One Bank On XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX a person named XXXX from XXXX repeatedly called me numerous times from no reason. This person just want to harass me. He left several harassing voice mail which I did NOT answer. On XXXX XXXX, XXXX I answered this person regarding the stolen funds at Capital One bank since XXXX XXXX, XXXX and XXXX XXXX, XXXX by a theft XXXX XXXX. I clearly told this person named XXXX representing Capital One Bank to return my stolen funds including the following terms and conditions : Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : 20 % based on the lost principle Late fee : {$100.00} per month Collection Cost : {$150.00} for XXXX times branch visit Time to Spend to Collect : XXXX hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX I also complained to this person that my deposit was NOT safe at all. I further told him that I brought this theft matter to the US Court House and I will NOT let this theft matter go because I sent numerous times written complaints to this bank and visited at least XXXX times local branch to collect the stolen funds. However this bank totally ignore my request by stating " it is n't possible to resolve this matter through secured message channel ''. As customer, the correct channel is to contacting customer service by secured message plus I did file fraud claim with bank since XXXX XXXX. My position never change to collect this stolen funds as this bank can not release my money to a theft and stranger XXXX XXXX who was NEVER authorized on my behalf to do anything. Once again, I do NOT know XXXX XXXX. I never authorized her to do anything nor I hired her to do anything. Therefore she has NO any reason to steal funds from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a dispute with Equifax when I discovered they were inaccurately reporting an open auto loan with XXXX XXXX XXXX XXXX XXXX as closed with date of last payment in XX/XX/XXXX. This account is currently open and paid on time each month. On XX/XX/XXXX I filed a complaint with CFPB when I had difficulty obtaining information online and at the Equifax telephone number ( XXXX ). Please refer to CFPB complaint number XXXX. 
On XX/XX/XXXX I received a response from Equifax dated XX/XX/XXXX, confirmation # XXXX with dispute results indicating they verified with XXXX XXXX XXXX XXXX that the account has not been closed however they continue to inaccurately report the last date of activity as XX/XX/XXXX.
Product: Mortgage

My bank unilaterally instituted a {$7.00} " account maintenance fee '' effective in XX/XX/. My bank is associated with my mortgage originator, and pays extra principal towards my mortgage every month if I make my mortgage payment using this specific bank account. The bank refers to this extra principal payment as " Direct Rewards ''. This extra payment effectively lowers the interest rate of my mortgage loan. I would not have opened this account, and I would not still be using it, if I didn't receive the extra mortgage principal payment. The " Direct Rewards '' payment was a critical factor in my decision to choose my mortgage originator over other mortgage lenders. If the bank has the ability to effectively reduce the amount of the " Direct Rewards '' payment by charging an " account maintenance fee '', my mortgage originator, and my bank, obtained my business with a fraudulent misrepresentation. My originator and my bank both represented, in the form of charts covering the entire lifetime of my loan, that the " Direct Rewards '' payment would reduce my effective interest rate and the length of my loan, as well as the interest I would pay over the lifetime of the loan. When I specifically asked about the possibility of the " Direct Rewards '' amount changing, my mortgage originator told me that could not happen. I can find nothing in the terms of my mortgage loan or the terms of my bank account that would allow the bank to unilaterally institute any " maintenance fees ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XX/XX/XXXX, I went to Best Buy to get a printer. The representative informed me that I was unable to use my store card. They advised me to open a new account in order to be able to buy the printer when I questioned why, saying that it doesn't show them why. I actually did it. I just started considering purchasing my son 's duplex, and when I checked my credit report, I discovered a Best Buy late payment from XX/XX/XXXX. I had XXXX open accounts with Best Buy, and they informed me of this when I spoke with their cardmember services. The older account had a late payment on it that was over XXXX  days old. I also explained what had transpired when I entered the business, and they promised to file a complaint. On XX/XX/XXXX, I received a letter stating that they had determined the information on my credit report to be accurate. They didn't try to assist me in any way. By providing misleading information to the credit bureaus, Best Buy has violated the Fair Credit Reporting Act, and now the Credit Reporting Agencies have broken the law by providing inaccurate information on my credit report. I have no other option at this time except to file a complaint because my livelihood is currently being threatened by this issue.
Product: Student loan

Got the loan XXXX  XXXX XXXX XXXX XXXX XXXX CA bank of America they took tax returns money from paychecks but after 20 years and I paid what they asked of me they paid for an apartment books and bus pass they scammed us to sign for student loans for certain classes the class I took was for electrical coding the school made excuses on the instructor and i had to forfeit my loan and leave XXXX XXXX
Product: Credit card

On XXXX XXXX XXXX 2024, XXXX  XXXX XXXX Credit card department sent via usps mail a check for {$900.00} to Banner Bank credit card payment address : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX as listed on the statement in a transaction called a Balance Transfer. To this date there is no whereabouts of the check. I called Banner Bank numerous times inquiring about the transfer of money to my banner bank credit card acct. The problem is : I never get a supervisor or any person in authority to resolve the matter. I was disparage over the phone and at the bank branch by banner bank employees and or reps while given many different and controversial statements. Banner Bank reps consistently stated they did not comprehend what a balance transfer was. I was also referred to a document that was sent to my email and at the branch that was supposed to resolve but the document is only a transfer from banner bank to another bank ; the document does not allow for banner bank to accept incoming balance transfer from another bank to theirs. I was giving another address to have XXXX XXXX XXXXXXXX send another check to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX that is not listed on the statement, no other banner bank rep had knowledge of XXXX and had never heard of it while one banner bank rep stated the XXXX address was the correct one ; and another rep suggested BOA fax over a copy of the front and back of the check they sent out XX/XX/year>2024. However banner bank does not accept digital credit card balance transfers as other financial institutions do in 2024. At this point, Banner Bank is not trying to resolve my XXXX  balance transfer because they want that interest payment. Please help this is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report through XXXX XXXX on XX/XX/XXXX, I noticed a fraudulent student loan account had been opened, with a balance of {$1600.00}, and a current balance of {$180.00}. This action dropped my credit score XXXX points! I did not generate this action and did not authorize this activity. This account is a result of identity theft. I filed a local police report with the XXXX Police Dept. I have filed a dispute with XXXX, XXXX and Equifax and filed a theft/fraud report with the US Dept . of Education where the fraudulent loan was made and with the FTC Identity Theft group. 

Resulting responses by XXXX XXXX and the three credit reporting agencies were that the loan was verified as accurate, based on my social security number. This was the very thing I was disputing ; the someone used my SS # fraudulently! 

Further investigation by the U.S. Department of Education 's office of Federal Student Aid revealed the fraudulent activity was not a student loan, but a Pell Grant and was issued through, first by XXXX XXXX, and later transferred to XXXX XXXX XXXX. 
Their office has confirmed a Free Application for Federal Student Aid ( FAFSA ) for the XXXX award years was applied for in my name, which required the school to award a maximum eligibility in aid funds. 
{$6300.00} in Federal Pell Grant Program funds were awarded to the account for the XXXX XXXX award year, however, only {$1600.00} was disbursed due to an enrollment change from full time to less than 3/4 time, which reduced the Pell Grant eligibility, therefore, {$180.00} of the Pell Grant was a reported as an overpayment. The reported overpayment of {$180.00} is still outstanding. If I allege I am the victim of identity theft and did not attend this school, or complete a FAFSA application, I needed to contact the school directly for assistance. 
I notified fraudulent loan claims with XXXX XXXX XXXX, the Chancellor and Vice Chancellor of the XXXX XXXX XXXX XXXX XXXX, the office of the Federal Dept. of Education Ombudsman and the Department of Education Debt Management & Collections. Each entity kept sending me to a previous entity. I am getting the runaround. It seems simple. If someone would check the registrar 's or attendance office and produce the photo ID card and signature card of this account, it will be clear that this Pell Grant was obtained fraudulently in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX personal checking and savings account were closed XX/XX/XXXX. I was informed that there was a balance due on my account of {$79.00} and upon remitting payment, I would be able to open another account. I completed payment on XX/XX/XXXX. Once again, at this time, I was told that I would be able to go into a branch and open an account. when I received my consumer report from chex systems to verify this had been removed, I see there is a statement that says Suspected Fraud Activity. I had previously disputed this information in XXXX and forgot about it. I never recieved a copy of the dispute or the results as required by law. When I called XXXX XXXX XXXX to get this situated, I receive 3 different stories from the Recovery Department, Risk Department, & Fraud Department. No suspicious activity has ever been brought to my attention. How is it that the company can report, " suspected fraud activity. '' I still have open and active accounts with XXXX XXXX XXXX. If there was suspected fraud activity, why would my accounts stay open. I need this removed from my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that Experian Credit Bureau is not reporting my credit score to any new creditors nor am I able to see my credit score from Experian. I checked the other two credit bureau 's and all of my creditors appear on their system and my score is available. Experian had my score and information in XX/XX/2020 verified in my paperwork on a refinance of our home. I contacted Experian several times and have spoken with their specialist ; they indicated that my file has been lost. I have contacted all of my creditors and they verified that they report my credit history to all three companies. One of my creditors a Major Bank stated that Experian is not attaching my file that they send to Experian to their system that's associated to my personal information. 

Experian is not doing anything to correct this issue but they have a major impact on my financial needs. Two of my bank creditors and my mortgage company have sent documents to Experian requesting them to populate my current credit history associated to my SSN # file. As of XX/XX/2020 there is no change to my situation.
Product: Credit card or prepaid card

Regarding Dispute for a payment submitted to the wrong account number to Comenity Bank via Check Number XXXX.See attached cashed check for {$1300.00}. This check was deposited into an account that is not mine. My account number is XXXX the check had a clerical error where 2 numbers were transposed. The check instead was deposited into account number XXXX. This check was sent XXXX and deposited/stamped/accepted by Comenity Bank XXXX. This check was not meant for that account number. I do not have any knowledge whose account that is. This error must be fixed and funds reversed back to me. A dispute has also been opened with XXXX XXXX XXXXXXXX. Dispute reference number is XXXX. Please rectify this situation as soon as possible
Product: Debt collection

The fair credit reporting act prohibits consumer reporting agencies from reporting negative information that is more that 7 years old. Consumers reporting agencies must correct, or delete inaccurate, incomplete, or unverifiable information. Incorrect information, inaccurate, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information IT HAS BEEN VERIFIED AS ACCURATE. If consumer reporting agencies, or in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, and I may be able to sue in state or federal court. 
According to www.consumerfinance.gov/ learn more ; Credit Reports & Identity Theft , fair debt collection practices act, consumer reporting agencies are required by law to remove most negative information about your account after 7 years, most keep selling consumers information. This account was opened XXXX XXXX, XXXX, which means in XXXX, this account was too old. The statue of limitations in Georgia is 6 years. Upon 6 years, the debt will become time- barred. This account is over 9 years and 7 months. Capital one started collected payments after the 6-7 year mark, which is definitely a violation. I have also requested documents from my bank showing I was making pay.ents monthly, after the 6-7 year mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from AD ASTRA RECOVERY SERVIC shows a balance of {$1500.00}, and and open date of XX/XX/2015. There is no additional information listed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX for their posting of incorrect information provided by XXXXXXXX XXXX. This action has resulted in an unjustified immediate drop in my credit score by over XXXX XXXX 

XXXX has failed to resolve a billing dispute, filed in XX/XX/year>, within the legally mandated 90-day period, in direct violation of the Fair Credit Billing Act ( FCBA ). Despite this, XXXX has fraudulently reported this unresolved dispute to the credit bureaus, including XXXX, causing unwarranted damage to my credit score. 

Pursuant to 15 U.S. Code 1666, specifically 1666 ( a ) ( 1 ) and 1666 ( b ), XXXX has no legal right to collect or report the disputed amount of {$72.00}, nor any associated fees. Consequently, I demand the immediate removal of all erroneous and fraudulent information from all credit bureaus, including XXXX. 

Failure to comply with this demand will result in further legal action, including claims for damages due to the impact on my credit score and the financial harm caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but hos is that possible if the open date is inaccurate, the date last active is inaccuarate, and date last reported is not accurate. this ground for removal they also violate my rights under 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
Product: Debt collection

My name is XXXX XXXX I am a federally protected consumer and my consumer rights have and continue to be violated. 

I am being bullied, harassed and threatened by Capital One Bank to pay an alleged debt and it is really stressing me out and is a violation of federal law 15 U.S. Code 1692b ( 2 ), not state such consumer owes any debt. 

The unfair debt collection practices started Around XXXX of 2021 when In good faith I participated in a consumer credit transaction with CAPITAL ONE BANK. During this consumer credit transaction my social security card information was provided and a finance charge was obtained. 

As the original creditor I granted CAPITAL ONE BANK the right to extend credit pursuant to 15 U.S.Code 1692a ( 4 ). During the consumer credit transaction CAPITAL ONE BANK charged me an Annual Percentage Rate of 26.99 % at the start of this consumer credit transaction. The finance charge is the sum of ALL charges pursuant to 15 U.S. Code 1605, If the finance charge is the sum of all charges I cant owe CAPITAL ONE BANK this alleged consumer debt. 

CAPITAL ONE BANK also failed to provide a material disclosure of how they even calculated the finance charge which is yet another violation of 15 U.S. Code 1602v. Ever since I started using this card for personal, family, and household purposes CAPITAL ONE BANK has been furnishing deceptive forms to coerce me to make cash payments which led me to the false belief that I the consumer owed a debt, which is also a violation of 15 U.S. Code 1692j ( a ), 15 U.S. Code 1692j ( b ) and 15 U.S. Code 1605, The finance charge does not include charges of a type payable in a comparable cash transaction. 

I am very confused why CAPITAL ONE BANK sent an unwanted bill to my abode alleging I owe {$440.00} this is a clear violation of 15 U.S. Code 1692c ( A ). CAPITAL ONE BANK did not and does not have my prior written consent to communicate with me the consumer in connection with an alleged debt.

CAPITAL ONE BANK is also in violation of 15 U.S Code 1692e ( 2 ) ( A ) the character amount is false and misleading. How could I owe on a positive amount? I find it hard to believe CAPITAL ONE BANK sent multiple billing errors on accident. It feels like CAPITAL ONE BANK is willfully and knowingly being deceptive, false and misleading with their attempt to collect this alleged consumer debt which is a violation. Pursuant to 15 U.S Code 1692k CAPITAL ONE BANK you are now liable for all consumer violations and actual damages.
Product: Credit reporting

I need your help in getting these incorrect address information and unauthorized inquiries removed from my Equifax Credit File. Please remover addresses : XXXX XXXX I, and XXXX XXXX, XXXX, Al. This information is a result of identity theft.