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

On XX/XX/XXXX, I was told that I had a fraudulent XXXX account in my name. I called a number that was supposed to be XXXX to get the account deleted. Instead of being XXXX, it was a scammer. While on the phone with the scammer, he was able to hack into my phone and get into my bank account and take approximately {$950.00}. {$450.00} was taken from XXXX, which XXXX refunded after they saw that it was an unauthorized transaction. Another {$450.00} was taken straight from a business account with the bank that I was in the process of closing and had XXXX cents in, by going through a company called XXXX that he some how linked to my account. 
I went to the bank immediately afterwards to report a fraud. I filed the complaint that day at a local branch of my Bank, Bank OZK, where the bank employee said a complaint would be filed. Approximately XXXX weeks went by with no answer so I again contacted my bank. She said the case had been closed stating that I had " voluntarily '' given the scammer access to my account. I went through the process XXXX more times, contacting different employees at the Bank OZK telling them that I had not given the scammer authorization the take the money from my account. After the third time, it seemed that the bank was going to do a proper investigation into my fraud case, and they even issued a provisional credit to my account in the amount of {$450.00}. 
On XX/XX/XXXX, the bank resinded the provisional credit with no prior notice. When I contacted the bank on XX/XX/XXXX, I was told again that the fraud case had been closed and that it was unfounded because I had " voluntarily '' given the scammer my information. I did not give the scammer authorization to take the money from my accounts, as I was attempting to close a fraud XXXX account. 
This was an obvious scam commited against me, and I feel the bank blamed me for what happened and didnt even attempt to perform a complete investigation. How many other people have gone through this experience only to be given the impression by the bank that its is all there fault and they are just lost the money. This feels like insult to injury on the part of the bank.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortgage and overall credit. From my understand that you will investigate the following account to ensure its accuracy. Here is the account that I am asking you to verify and validate : Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I've leased the car and I've paid {$900.00} per month but I just shut down my business because of the lack of business. 
Since then I haven't been able to pay this amount and my car will be towed away soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 : Also states a consumer reporting agency can not furnish an 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this statement is being composed by myself. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B 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 instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Captial One intentionally lied to disqualify a dispute request. 

After more than a year of frequently calling, waiting and checking and being told to submit documents several times - I was told that the case was disqualified at the start for being 10 days late to a paperwork submission deadline. I HAD NO NOTIFICATION OF THIS DEADLINE. 

I was told ( after 1.5 years ) that Capital One expects customers to log in and frequently check a hidden " documents '' area to get notifications. They do not provide direct notification and disqualified my request retroactively because of this excuse. 

Then, they lied saying the issue was fully resolved. I believe them, but later discovered that they corrected ONLY ONE OF TWO FALSE CHARGES. 

This is plain fraud.
Product: Debt collection

LVNV Funding and XXXX has yet to remove an account from my credit reports. I am still recieving letters from LVNV Funding stating that the required verification documents have not been recieved when the infomation was mailed to LVNV Funding. The account has now been sold to another company after the debt has been disputed and reported as fraud. 
ACCOUNT XXXX
Product: Debt collection

ABSOLUTE RESOLUTIONS I Original creditor : XXXX XXXX XXXX XXXX Placed an already proven fraudulent claim onto my consumer report. They are fraudulently claiming a balance of {$11000.00}, fraudulent Date opened XX/XX/year> fraudulently past due as of XX/XX/year>. 

fraudulent Status updated XX/XX/year> Company was contacted however they have not responded and refuse to remove fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Derogatory marks View all accounts COLLECTIONS XXXX XXXX Opened XX/XX/2019 {$870.00}
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX : ACCOUNT # XXXX ; XXXX  : ACCOUNT # XXXX & # XXXX ; XXXX  : ACCOUNT # XXXX ; XXXX XXXX : ACCOUNT XXXX XXXX & # XXXX ; XXXX  : ACCOUNT # XXXX ; XXXX : ACCOUNT # XXXX ; 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: Credit reporting, credit repair services, or other personal consumer reports

The school closed and said i took out a lot of loans and i didnt. ther is no contact information to get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with XXXX credit bureau numerous times. I have asked them on several listed accounts that provided me proof of verification on accounts that are reporting negative and inaccurate on my report. They have refused to provide me proof of how they are verifying the accounts for XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Medical Bills. I have no knowledge of these accounts and them negative accounts have prevented me from obtaining anytime of credit or car loan because of these inaccurate accounts they keep validating and will not remove.
Product: Credit card or prepaid card

Upon reviewing my credit report, I was absolutely shocked to see 2 late payments on XX/XX/XXXX and XX/XX/2017. I'm not quite sure how this happened. I am always on top of my payments. It seems that either it got lost in the mail or for some reason the payment didn't go through and wasn't processed.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I told Paypal to send {$780.00} to my XXXX account from my XXXX account. However, I was charged {$850.00} for the transaction by the bank because my account is in USD and not PLN ( even though I was sending USD to USD ). After noticing this I contacted PayPal from my XXXX account to refund the {$780.00} that was originally sent. Today when I viewed my account it shows {$770.00} was returned out of the {$850.00} that was originally charged. When I spoke to my bank, they stated that the merchant did not process the transaction correctly and therefore the refund was processed as a credit verses a refund. PayPal need to Refund my account under the same transaction ID the payment was made in order for me to get all of my money back. Or at least take responsibility for processing the refund incorrectly and give me the {$80.00} I am missing from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am a victim of identity theft from XXXX XXXX till XX/XX/XXXX XXXX XXXX unauthorized transactions was made on my account without authorization I have reach out to chime this theft was able to link there debit card number ending XXXX to my chime app without authorization the theft was able to hack into my chime app because they had stolen my phone that chime app connected to in was able to make 75 unauthorized transactions I have sent chime proof of debit card that was link to my account this theft was able to steal over XXXX out my account yes I have open multiple rebuttal because chime is not doing a good investigation I call chime to report someone has access to my debit card in they have link there debit card that is not in my name to my account without authorization in chime close my account on XXXX XXXX the credit that chime place in my account I never was able to use the funds yes they sent the {$45.00} dollars check but what able the rest of my money from 75 unauthorized transactions I have sent multiple documents chime did reopen my account back on XXXX XXXX I was trying to gain access to my account in notice the theft card was still link to my account I did not cases any fraudulent activity on my account I reported this issue to chime and they is doing nothing they close my account when I call in reported this issue thats not fair to close my account when I call in reported chime app hack in card information has been access without my authorization.I have provided the theft card information in bank information that was link to my account without my authorization in case my account to become close with chime in was able to steal my money in chime is refusing to do anything about it I was able to obtain theft documents from police
Product: Credit reporting or other personal consumer reports

This is my numerous Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 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. 

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 CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/year> ; XXXX XXXX XXXX Inquired on XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending many letters Lending Club has failed to validate this debt in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 The initial request, requesting Validation of this debt The law states that I'm entitled to competent evidence bearing my signature showing that I have ( or ever had ) contractual obligation to pay you the law also states you must respond within 30 Days of receipt of my original correspondence. 

Letter dated XX/XX/18 Certified Mail Signed for XX/XX/18 Response to their reply to my initial letter. 
This letter notified Lending Club that they have failed to provide me with a copy of any viable evidence bearing my signature showing the account is being reported accurately. Also was a formal request of the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. 
Additionally, requested that they provide the name, address, and telephone number of each person who personally verified this alleged account so that I can inquire about how they verified without providing any proof, bearing my signature. 
Another formal request, requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. 

Several disputes were initiated with XXXX, XXXX, XXXX each time Lending Club sent verification stating that this is a validate debt and not providing any additional documents. 

I have maintained a careful record of my communications with Lending Club for the purpose of filing a complaint with the CFPB, should you continue in your Non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws I will move forward with the Attorney General 's Office and if that leads to a dead end I will have no choice but to have this issue placed under litigations. 



Based on my paper trail of clear oversight and neglect by Lending Club the following violations could allow me to seek compensation for damages a minimum of {$1000.00} per violation -Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) -Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) -Defamation -Negligent Enablement of Identity Fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017  - Notified by  XXXX  that someone had tried to open an account fraudulently  XXXX   XXXX ,  2017  -  XXXX  did a  3-way c all with  XXXX  Bank,  XXXX , and Me to have this removed  XXXX   XXXX ,  2017  -  XXXX  Bank stated they would contact the credit bureau and have the hard inquiry removed  XXXX   XXXX ,   XXXX   - Received a letter from  XXXX  Bank stating to give it 45 days to have the inquiry removed Contacted Equifax 4 times with proof that this was unauthorized and fraudulent and they come back stating it is " record of fact '' As of today,  XXXX   XXXX ,  2017  it has now been 63 days since this happened.
Product: Credit card

Our firm has an account with American Express. In XXXX of XXXX we mailed a check in the amount of {$26000.00} to American Express in XXXX XXXX, Texas. The check was cashed and it cleared our account. American Express told us they could not find the check. 

We contacted our bank and obtained copies of the front and back of the canceled check. The deposit information indicated that it was deposited in an account at XXXX XXXX. We contacted XXXX XXXX. XXXX XXXX confirmed that the funds were received by American Express. We provided the supporting information to American Express. On XX/XX/XXXX, XXXX XXXX in American Express ' Executive Office told me by telephone that the matter was resolved and that our account would be credited in the amount of {$26000.00}. The credit was initially applied and then, without any notice or explanation, the credit was reversed. 

We continued to communicate with American Express and complied with their requests for additional information. We supplied duplicate copies of the canceled check, a letter from XXXX XXXX confirming that the funds were received by American Express, and copies of our bank statements showing that the funds had cleared our account. 

On XX/XX/XXXX American Express asked us to fax a copy of a voided check so that they could confirm our account number and our bank 's routing number. We complied, faxed the requested information and sent a duplicate copy by email. The American Express representative ( XXXX ) told us that we would receive a temporary credit and that the matter would be resolved in about four weeks once our banking information had been confirmed. 

On XX/XX/XXXX we attempted to use our American Express card. We were informed that our card was frozen. We checked online and confirmed that, contrary to American Express ' promise no credit had been provided. 

We have made repeated, respectful requests to have American Express credit us for the amount that we paid in XXXX of XXXX. In each instance, American Express has assured us that the matter would be resolved and that we did not have to worry. Yet, they never follow through on their promises. It is undisputed that we made the payment and that American Express received the payment. We do not know why they refuse to credit our account for the amount of the payment and they have never provided a substantive explanation.
Product: Debt collection

XXXX XXXX XXXX approved a short sale on our home in XXXX of 2011. XXXX of the conditions of the approval was that we sign a promissory note for {$5000.00} to be paid in installments of {$83.00} per month. XXXX was to send a coupon book to make such payments and never did so. I inquired by phone several times and XXXX could find no record of this transaction or the note. The next year after no reminder, bill from them, or anything, they reported as written off as bad dept on our credit report. We served our time with bad credit for that, as well as the shortsale itself. Now 5 years later, we are divorced, credit has improved greatly, they turn over to real time solutions for collection. They contact ONLY my ex husband, not me, and hit my credit for 90 days past due. There were forwarding addresses for both us registered with the post office. My ex husband has negotiated with real time to reduce this amount to {$1500.00}. He wants me to pay half to him. I feel XXXX XXXX XXXX is at fault here as they never sent the method of payment that they promised. Never a reminder or bill, as if it did n't exist. No record of it when I called to inquire. How do I know if this real time is a bogus outfit or not. It has been a long time ago. Is there no statute of limitations? I am attaching the documents provided to me from my now, ex husband. Thank you for your help.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my serious concerns about the inadequate and inconsistent responses from XXXX, a credit card company, and Experian, a credit reporting company, in addressing fraudulent charges on my account. 

XXXX, the credit card company, not only failed to conduct a proper investigation, but their customer service representatives exhibited a concerning lack of empathy. Their dismissive responses, including phrases such as " do what you feel is right for you, '' left me bewildered and frustrated, especially when attempting to report unauthorized transactions. 

Adding to these troubles, XXXX continued to issue new cards without my explicit consent, despite a fraud alert in place. Despite my efforts to assist their investigation by providing a police report, including the case number, they only called the police twice, received no answer, and subsequently closed the case. 

Furthermore, when I reported identity theft to XXXX, they neglected to take appropriate measures to safeguard my personal information. Despite sharing critical details such as my social security number, birth certificate, and other sensitive data that had been compromised, they failed to enact protective measures. 

Compounding these issues, I explicitly requested that XXXX refrain from mailing sensitive information, citing security concerns. However, my request was disregarded, and documents continued to be sent without considering the potential risks. 

Additionally, I was erroneously informed not to make credit card payments during the investigation, with the assurance that all charges would be rectified. Regrettably, this commitment was never fulfilled, and my credit remains impacted. 

The communication has been an unproductive loop, with XXXX consistently asserting, " we're right, you're wrong. '' This dismissive attitude and lack of cooperation have heightened the stress and uncertainty surrounding the fraudulent activity on my account. 

I urgently implore the CFPB to thoroughly investigate both XXXX and Experian 's handling of this matter and ensure corrective action is taken to rectify their negligent behavior and inconsistent customer service practices. Your intervention is crucial to bringing resolution to this distressing situation. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Synchrony bank is giving me false and misleading information. They are showing that I have a available credit of {$8000.00} on my sams business credit card. The are not however allowing me to make a payment on the account nor actively use my credit card for everyday purchases
Product: Debt collection

XXXX XXXX has been garnishing my wages since XX/XX/2017 for debt that was being paid thru the Law firm that they hired. Now I have been paying the law firm {$320.00} a month and they have been garnishing {$85.00} every pay period. But according to their records, this account has been resolved but they still garnishing my wages!! I have proof of the garnishments from my employer and I have proof of debt paid and payments paid to the law firm hired to collect the balance.