23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently used my Capital One card. After I became aware of the fraudulent charges I contacted Capital One. Capital One reversed the fraudulent charges, fees and interest in XX/XX/XXXX. Capital One corrected the account status except for the months of XXXX, XXXX and XXXX of XXXX. Capital one continues to report the account was XXXX, XXXX and 90 days late for those three months. Prior to the fraudulent activity on my account my balance was {$0.00}. After Capital One corrected my account in XX/XX/XXXX, my account balance went back to {$0.00}, I did not owe any money to Capital One for the months of XXXX, XXXX or XX/XX/XXXX, it was all fraudulent charges. I have sent three ( XXXX ) letters to Capital One attempting to get the reporting of XXXX, XXXX and XXXX of XXXX corrected along with credit bureau disputes. Capital One in every identical letter has refused to correct the reporting error. I called Capital One three ( 3 ) times about the matter and spent at least 4 hours on the phone in total. Two ( 2 ) times I was told it would be corrected. Then I would get another identical letter stating they were correctly reporting the status. On the most recent call, I spoke to XXXX I.D . XXXX a Senior Accounts Supervisor who told me that even though I did not owe the money shown on my statements for XXXX, XXXX and XXXX of XXXX, the reporting of 30, 60 and 90 days late would remain as I did owe the money even though it was a result of fraud and corrected in XX/XX/XXXX. She was extremely rude and was treating me like I a piece of XXXX. I am going XXXX  XXXX crazy attempting to deal with Capital One. I was told by Capital One not to pay and was issued a new account and card yet Capital One wants to show I was late for XXXX, XXXX and XXXX of XXXX. Its crazy and like talking to a post when I call Capital One. As I previously stated, I spole to employees in the Credit Bureau Resolutions department twice and was told it would be resolved only to receive a letter in a few days telling me they are reporting it correctly. While speaking to XXXX in the Credit Bureau Resolutions dept., on XX/XX/XXXX, he said he understood the problem and said he would be offline for a minute or two to correct the error. After 5 minutes the line went dead. Please help
Product: Checking or savings account

I recently charged {$1.00} for a subscription service through XXXX. XXXX is linked to my checking and savings through PNC bank. While I meant to charge my checking, somehow my savings was charged. I do not keep anything in this savings account because I bank elsewhere. The {$1.00} charge caused an overdraft and a {$36.00} fee, of which I was unaware until five days later. By the time I was made aware, another {$36.00} fee had compounded on top of this. It is outrageous to expect me to pay {$72.00} over a {$1.00} incidental charge.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) I have made. It is the result of identity theft. 

I have contacted XXXX many times dealing with identity theft information on my credit I sent the FTC report, Police Report, identity theft items, and Personal documents. and they broke the FCRA law, by not including my documents in my disputes in doing the dispute process. these accounts is damaging my good name. I will be filing a lawsuit.
Product: Bank account or service

After paying our car loan with Well fargo Dealer Service XXXX CA for the month of XXXX XXXX we receive a call that stated that our payment was still outstanding because they had applied some insurance to our auto loan. We explained to the representative that we have always carried ins with XXXX XXXX without lapses. She state it was a easy fix and for us to call the insurance company to have them send over proof of insurance which we did the same day and call back the next day to be sure it was taken care of. The rep assure us that all the charges would be remove. and because this was an error it would not be reported on our credit ( This was very important because we were in process of getting a home loan and needed our credit to remain constant ). However, on XXXX XXXX XXXX we find that Well Fargo have placed a 30 day late report on our credit that caused our credit to fall XXXX points and our chance for the American Home Dream to slip away. When we called to ask what happen to this very simple correction they gave us several excuses and apologize only to say it would take them 30 to 45 days to correct after we submit a written dispute, again prove ins, send copies of credit reports and show credit when down before they would take this off of our credit reports. We have fought very hard to restore our credit and have waited 7 years after a forclosure to bring up our credit and to be able to buy a home again, only to have a big bank come along and wipe out our chances without concern for their error or the detriment that it cause hard working, bill paying American families. Any help you can offer in expediting this credit restoration would be very appreciated Thank you in advance for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX, Ga -- XXXX XXXX acct # XXXX Fax XXXX
Product: Debt collection

In XX/XX/XXXX or XX/XX/XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XX/XX/XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from XXXX XXXX XXXX who claimed to be representing Pyramid Acquisitions. This is probably the 40th call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " Pyramid Acquisitions '' got this phony debt.. .nor do I know how XXXX XXXX Solutions of XXXX , South Carolina got it, but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is, but it is n't stopping these companies from acting on it.
Product: Money transfer, virtual currency, or money service

PLEASE, CFPB, PLEASE!!! ASAP!! FOLLOW UP ON COMPLAINT # XXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MI XXXX # XXXX We are in dire need of those funds that BANK OF AMERICA will not return to us. Why is Bank of America keeping our money??? Because of a " hold harmless '' agreement that we know nothing about? It is Bank of America 's fault that they did NOT do their DUE DILIGENCE when this criminal opened a fraudulent account. When we called them at the end of XXXX, 2019, the funds were still in the account at Bank of America. What gives them the right to keep our funds?? OUR HOME IS IN FORECLOSURE AT XXXX XXXX XXXX, in Michigan. We need our funds to save our home!!! 

CFPB : The Bank of America Regulatory and Compliance office has called us. 
Keep putting the pressure on because we need those funds back asap!!! 
Tell them they can just send us a check! Or we will file a lawsuit! 
Thank you so much for all you do!
Product: Credit card or prepaid card

I have been paying {$500.00} per month for the last 12 months to my credit card Capital one. 

My wife and I noticed that our balance was not decreasing I contacted capital One and ask them what was going on They told me that my interest was compounding daily on my balance I advise them that I was never informed of this when I signed up for the card, or when I spoke to them on the phone or even when I spoke with them in the beginning of 2017 about trying to lower my interest rate They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand. They did temporarily lower my interest rate but it unfortunately turned out to only be for a couple of months, which I also did not understand I contacted capital One and said that I was never informed that my balance with compound down there and that I would not have signed up for the card if I knew that I am a XXXX XXXX veteran who went through XXXX about four years ago and as a result Ive had some financial issues I had to file bankruptcy, which is why I signed up for capital Ones credit card a couple of years ago To now find out that they were charging me daily compounded interest over the last few years was extremely disappointing to me as a military veteran who has struggled with a XXXX XXXX and who owns up to their Inability to pay my creditors a few years ago Capital one bank framed it to me that I could use their card and rebuild my credit, but they never informed me that my interest would be compounded daily. I repeat they never informed me that my interest would be compounded daily
Product: Money transfer, virtual currency, or money service

XXXX Received an email from what seemed to be XXXX XXXX XXXX saying to call an XXXX number if I didnt want to renew my subscription and wanted to be reimbursed for the {$300.00} cost. Upon calling they asked for remote access to my computer to complete the credit back. Once they gained access they claimed to have accidentally transferred {$30000.00} back to me instead of {$300.00}, and told me to look at my account and that I would see the money was in fact there and demanded that I needed to wire back the money to him asap. What I didnt know was that he actually transferred {$30000.00} from my line of credit into my account instead. That same day I proceeded to do as he asked and went into my local branch where I told the entire story to the banker, XXXX XXXX at my local Chase branch. After explaining the situation to the banker, he didn't bother to check that in fact there was no external transfer and that I should not transfer any money to the XXXX XXXX XXXX XXXX. The banker didn't bother to question any of this at all so the transfer was sent. The following week the same fraudulent person went signed into my Chase account online without my knowledge or consent and proceeded to complete 2 more transfers from my line of credit to my checking account and thus 2 more wire transfers electronically without my consent on XX/XX/XXXX and XX/XX/XXXX, both wires transfers were in the amount of {$25000.00}. No phone calls were made by Chase to myself to confirm I was indeed making these wire transfers, I did not approve thee transfers, there was absolutely no checks and balances in place to assure this didnt happen. 
I went back into the branch on XX/XX/XXXX to report that there appeared to be fraud on my account the banker and the branch manager told me that Chase would do nothing for me. They told me I didnt need an affidavit for the police when I asked for one and they failed to freeze my accounts or attempt to cancel the wire transfers. They would have still be able to do so as I believe it takes 3-5 business days for international wire transfers to be completed but Chase failed to do anything at that time. It was not until the next day, XX/XX/XXXX, that my daughter took me to her private client banker at a different branch who helped us file a fraud report, freeze my accounts and get us a copy of an affidavit to give to the police. Since that time I have been trying to get resolution from Chase. Several weeks went by and tons of follow up phone calls when they finally pushed this up to their executive offices. The last few months I have talked to the person assigned to my account with no update other than Chase was trying to get the money back. But if it was fraud and my mom did authorize any of this then why does it matter if they get thier money back. They should be reimbursing me for the elder fraud that happened under their watch. As of yesterday, XX/XX/XXXX, I was told that they 'exhausted XXXX XXXX ' and thus they are unable to reimburse me for the money stolen from my accounts.
Product: Credit reporting or other personal consumer reports

( XXXX, XXXX ), ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Collection account at XXXX on XX/XX/XXXX Account number ( XXXX ) an Collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX Account number ( XXXX ) an Collection Account opened at UNKNOWN on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed two charges to my Chime credit card from a XXXX XXXX XXXX in California. I live in XXXX Oregon, and no one has access to my card but me. I immediately dispute the charges, cancel my car, and file a police report. 

On XX/XX/XXXX chime denies my claim, and refuses to refund my stolen money. I call their call center, and they say there is nothing they can do.
Product: Credit card or prepaid card

I accumulate points for every dollar I spend on the card, I am supposed to get a XXXX gift card at the end of every year. I have not received the gift card in a couple years and when I called in they could not locate an account even though I have a card, and receive statements every month.
Product: Money transfer, virtual currency, or money service

I have been scammed through XXXX XXXX XX/XX/XXXX. I was selling a laptop for a {$1000.00} and a person called XXXX XXXX, in XXXX, approached to me asking for the computer. The purchaser offered {$1000.00} for the laptop plus another {$100.00} for one-day shipping. I accepted the offer, and he/she asked me to provide my PayPal account. I sent a direct link to my PayPal account, so the payment could be made. The buyer then requested my email address to send the payment, stating that the link I provided did not work. I gave my email address. After that, I got an email supposedly from PayPal saying that the payment was made, but it was going to be on hold until I shipped the computer and provided the tracking number and copy of the receipts. I shipped the laptop the same day to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ), and sent the tracking number ( XXXX ) and the receipts. Then, I got another " PayPal '' email requesting me to wait XX/XX/XXXX hours for the payment to be credited into my PayPal account. On the next day, I received another " PayPal '' email claiming that the payment exceeded the amount of money my PayPal account was allowed to receive, and to upgrade it to a Business account so the payment could be credited into my account. It also said that the purchaser had to pay an extra amount of {$600.00} to reactivate and complete the transaction, and that I would be rewarded with another extra {$100.00} as a compensation fee for holding the funds. After I upgraded my profile and the purchaser supposedly made the extra payment, I received another email alleging that I needed to refund the extra money paid by the buyer in the form of gift cards, and to submit the activation codes and the receipts, before the payment could be credited into my account. I accepted, bought 6 XXXX gift cards, and sent the activation codes with the receipts. Below are the XXXX gift card activation numbers : XXXX XXXX XXXX XXXX XXXX XXXX After that, I received another email requesting me to wait another XX/XX/XXXX hours to check the legitimacy of the gift cards. On the next day, I received another email claiming another problem with my account, saying that the buyer had to pay another extra {$800.00}, and requesting me to make another refund when in reality I have not gotten paid yet, and the buyer reported that he/she already got the laptop. I asked my family members and discovered I was scammed. I have no pending transactions in my PayPal account. Please help.
Product: Checking or savings account

Because of the annual XXXX, in order to make money, I went to collect tickets, sell them to others, earn the difference, may have been using XXXX, and then my account was closed, I used Chase for many years, I like this bank very much, I only use this bank, I was inexplicably closed, I hope to re-open the bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

Cfpb Dont tell me to go to FDIC .

This is a request for correct reporting per FCRA. Send to company. To Whom It May Concern at XXXX XXXX XXXX Bank , I am writing to formally request that XXXX XXXX XXXX XXXX  update the credit bureaus to accurately reflect the resolution of my account ending in XXXX. This account was settled in full as per the terms of the agreement negotiated through XXXX XXXX, and I request that its status be updated to reflect " Paid in Full '' or an equivalent positive resolution with all three major credit reporting agencies ( XXXX, XXXX, and Equifax ). The settlement agreement was fulfilled on my end, and the negotiated payment was completed as agreed. Despite this, the account continues to inaccurately appear as a negative. This misrepresentation is not only damaging to my credit profile but also fails to reflect the good faith resolution of the account. To assist you in promptly resolving this matter, I am providing the following documentation : Settlement agreement documentation negotiated through XXXX XXXX. Notify all three credit reporting agencies ( XXXX, XXXX, and Equifax ) to update the account status to reflect it as Paid in Full or Settled as Agreed. Provide me with written confirmation that the updates have been submitted to the credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), creditors are required to ensure the accuracy of the information they provide to credit bureaus. Your prompt attention to this matter will ensure compliance with these requirements and prevent further inaccuracies. If additional information is required to process this request, please do not hesitate to contact me, Thank you for your attention to this matter. I trust you will handle this in a timely and efficient manner.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON-MAILABLE ADDRESSESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON EMPLOYER IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : PERTAINING TO NON NAMES REPORTED IDENTIFIERS : XXXX XXXX XXXX XXXX XXXX XXXX PER THE FCRA , AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that I had XXXX late payments on the account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have included in the screenshot inside the complaint in on the dates ( XX/XX/20 ) and ( XX/XX/20 ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be, due to the fact I was never late. Thanks. Please see screenshot attached :