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

On XX/XX/year>, I made a purchase of {$4400.00} using my Capital One debit card through XXXX XXXX. The merchant I paid misrepresented themselves as a legitimate vendor and failed to provide the promised goods/services. I believe this transaction constitutes fraud. 

I reported the issue to Capital One on XX/XX/year> but despite my request to provide all relevant documentation, including police reports, the false contract and other evidence, CapitalOne wouldn't allow me to provide these records. Next, Capital One denied my dispute on XX/XX/year> citing " authorization and/or participation in the transaction activity. '' I disagree with this decision as the merchant engaged in deceptive practices. The transaction was authorized based on false pretenses, and I did not receive the promised goods/services. This is a clear case of fraud, and I believe Capital One has not adequately addressed the dispute. 

I have attempted to resolve this issue directly with Capital One and provided all the evidence I could gather. I am now requesting assistance to ensure that this matter is reviewed fairly and resolved appropriately.
Product: Debt collection

I did not open this account and incur this unpaid balance. Someone, other than myself, wrongfully used my personal information to obtain a line of credit/services. I have Filed a identity theft report.
Product: Debt collection

XXXX XXXX XXXX XXXX is the company I am filing the complaint on. I do have a private student loan I have defaulted on because I can't afford to keep paying the loan. I want to settle the debt at some point with them but not now since I don't have the money. My name is the only one on the loan. Their headquarters is in Delaware at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. Not only have they called my parents harassing them from a fraudulent number, but they have also now called me from a fraudulent number. The number they called my parents from was from a XXXX ( XXXX XXXX, AR ) number and the number they called me from was an XXXX ( XXXX Arkansas ) number. It was XXXX to be exact and my cell phone shows this number to be from XXXX XXXX, AR!!! This loan company has NO offices in Arkansas. I was going to offer to settle for {$10000.00}, about half of the loan balance, but since they have now called both me and my parents from fake phone numbers, that offer will now be reduced to {$6000.00}, or {$2000.00} for each time they've called us from fake numbers. I want a stop put to this NOW!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is more than seven years and investigation is taking more than 30 day for this negative account on my credit report US DEPARTMENT OF EDUCATION ( CLOSED ) xxxxxx XXXX  {$5500.00}
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint regarding the continuous inaccurate reporting of fraudulent accounts on my credit report with Equifax. For months, I have disputed these accounts as fraud, yet Equifax persists in verifying them without providing any valid proof or documentation of verification. This failure to adhere to the required verification process violates both the Fair Credit Reporting Act ( 15 U.S.C. 1681e ) and the standards set forth by the Consumer Financial Protection Bureau ( CFPB ). 

I have filed a police report supporting my claim that the accounts listed below are fraudulent. Despite this, Equifax has failed to remove the accounts and has not provided any substantive documentation proving their legitimacy. 

Summary of Fraudulent Accounts Being Disputed with Equifax : 1. XXXX XXXX  ( XXXX ) - ( XXXX ) Account # : XXXX 2. XXXX XXXX  ( XXXX ) - ( XXXX ) Account # : XXXX 3. XXXX XXXX  ( XXXX ) - ( XXXX ) Account # : XXXX 4. XXXX ( XXXX ) - ( XXXX ) Account # : XXXX 5. Original Creditor : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) Account # : XXXX 6. Original Creditor : XXXX XXXX XXXX ( XXXX ) - ( XXXX ) Account # : XXXX Violations of Reporting Standards by Equifax : Equifax has failed to comply with federal regulations and guidelines by continuing to verify these fraudulent accounts without providing valid proof of verification. Under 15 U.S.C. 1681e, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Furthermore, per 12 CFR Part 1022 ( Regulation V ), furnishers of credit information are required to : Furnish information that has integrity about accounts or other relationships with consumers.

Furnish information that is accurate.

Conduct reasonable investigations of consumer disputes.

Equifax has not followed these required standards, as I have yet to receive any physical proof of verification for the fraudulent accounts listed above. The CRRG ( Credit Reporting Resource Guide ) emphasizes that any deviation from these standards jeopardizes the integrity of data. I have identified errors and inaccuracies in my Equifax credit report, which I am now formally challenging. 

Equifaxs Failure to Provide Verification : Equifax continues to list these fraudulent accounts as verified, despite my numerous disputes. To date, I have not received any documentation or evidence supporting that a legitimate verification process was conducted. I expect Equifax to promptly demonstrate that it complied with federal and regulatory requirements by providing the following : 1. A detailed explanation of how Equifax verified these accounts.

2. Copies of any documentation Equifax received from the furnishers supporting the accuracy of the reported information.

3. Proof that a reasonable investigation was conducted and that all proper procedures were followed in verifying these accounts.
Product: Credit card or prepaid card

To Whom It May Concern : On XX/XX/2018 my CapitalOne Venture card got charged an annual fee of {$59.00} for the next membership year. Seeing no benefit from keeping this type of card, on XX/XX/2018 I requested a downgrade to a no annual product -- the QuickSilver card. Despite the fact that the phone representative assured me the annual fee would be refunded within 5 to 7 business days, my card has not been credited as of now. On XX/XX/2018, I called customer service and both the front line representative and account specialist insisted that since the product conversion is essentially an upgrade, the fee will not be refunded. I would have cancelled the card to get rid of the annual fee if the representative had not stated the fee would be refunded with the product downgrade in the first place.

I consider this as CapitalOne 's bait-and-switch tactic to make me keep the card and collect the annual fee at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/Banana Republic Credit Card. I paid this credit card off in full in the amount of {$8600.00} in XXXX of XXXX. At this point, I tried to close the account but was told I could not do that yet. The following month an automatic deduction was applied to the card with out me knowing it. I receive a bill for this amount to my new address. I moved to a different address in XX/XX/XXXX. I paid the full amount. I received another bill which was being forwarded to me from my former address. I then paid the same amount again thus, overpaying. I refund check was sent to me but I did not receive it because by then my forwarding mailing address had expired. I never heard from SYNCB/Banana Republic Credit Card again. I thought the account was paid in full and closed. In XXXX of XXXX I received a letter from this bank saying the account had been turned over to a Collection Agency in the amount of {$410.00} I do not know what or why I owe money on this account. The majority of the amount owed is due to interest on the some unpaid amount. I 've been in contact with this company and trying to resolve this problem. Since I moved and the forwarding address expired I did not receive any documentation from this company until recently. I want to resolve this issue and pay anything that I owe to SYNCB/Banana Republic Credit Card.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Consumer XXXX : XXXX Consumer DOB : XX/XX/XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : -XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) XXXX XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) Below are the details of the fraudulent inquiries : XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX These items have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer FICO Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -A Letter formally detailing the information of my dispute -Copy of US Issued ID ( Proof of Identity ) -Copy of Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Debt collection

I had canceled a previous insurance policy to get a new and updated policy. I was told that I would get a new policy with a new payment and that the old policy would be canceled along with the remaining balance. I received no phone call or letter informing me of the matter.
Product: Debt collection

Received a call from XXXX XXXX XXXX at my place of employment. A woman named XXXX asked for me. I have talked to her in the past, and she has always refused to give me details about the debt and who the original creditor. She was left threatening messages to my relatives and stated that I will be arrested. Now she has been calling my work, and I need this to stop. This is an illegal practice and is harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed as one of the potentially impacted people on the Equifax credit breach.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit report. This information does not belong to me. I need this fraudulent unauthorized items removed immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : 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 {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Personal Information Former : XXXX XXXX Also Known As : XXXX XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX Address ( es XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Previous Address ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Consumer Loan

Loanme, inc has taken advantage of my financial hardship and issued me a personal loan at 99.75 % apr .... On XX/XX/2015 they have charged off this account but have NOT notified me I kept paying my payments when I noticed them charging additional interest rate and late payments.. when I requested to see my payment history it showed that I had a CREDIT balance of {$1200.00} but their billing statement showed a balance due of {$1700.00}. I 'm including all the supporting documentations for this case and hope you will serve justice on this predatory loan practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my recent complaint I did not dispute the VALIDITY of the account I disputed the ACCURACY of the account. Specifically I stated that the address provided by the Creditor on account # XXXX XXXXXXXX is in fact INACCURATE because I have sent correspondence certified mail to the address and it was returned as UNDELIVERABLE because the company moved without leaving a forwarding address. Your response to my complaint is a violation of my rights because this is my fourth time pointing this out. 

the address being reported by the creditor is undeliverable and unable to forward. therefore inaccurate please remove this account immediately because you are in violation This address is undeliverable : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Money transfer, virtual currency, or money service

Complaint About Western Union on Money Transfer and Non-payment I refer to the above in which I was a victim of non payment of a money transfer via Western Union XXXX. The loss was in relation to a money transfer via Western Union at XXXX XXXX XXXX via a Western Union transfer no. MTCN XXXX. I am a regular user of Western Union money transfer services for many years. So far I had no problem and I am very satisfied with the service. Recently, I planned a trip to XXXX XXXX. As I did not intend to carry too much cash with me, I make a transfer at the Western Union agent in  XXXX of an amount USDXXXX to XXXX XXXX on XX/X/2017 XXXX. I am the sender as well as receiver. In my application I have included a test question and answer for security reason as this is the first XXXX I sent to XXXX XXXX. 6 hours later at XXXX I received an SMS from Western Union informing me that the money was pick up by XXXX XXXX XXXX XXXX. myself. I was shocked to know that. I immediately lodged a non-payment claim at Western Union. I was informed that they required 21 days to conclude the investigation. On XX/X/2017 I received a email from Western Union United State stating that they denied liability as they said the agent paid out the money in accordance with the procedure. I strongly believe that the agent in XXXX XXXX deliberately paid out the money because no one knew the security question and answer except the agent. I lodged a complaint at my local authority. I was advised that Western Union was incorporated in the US and it was not within our local jurisdiction. Therefore, I request your good office to intervene and help to resolve the above matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX Account # : XXXX Balance : {$850.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$640.00} XXXX XXXX XXXX XXXX Account # : Balance : {$130.00} XXXX XXXX XXXX XXXX  XXXX  Account # : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account # : XXXX Balance : {$130.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit card

W e were vacationing a hotel and used the Chase Credit card to charge the room fees. On our drive back home the hotel left a message that we had vandalism in our room and that this was being charged to our cred it card. This was in  XXXX  and the fraud department at Chase has never investigated this fraudulent claim / charge on my card. On  XXXX   XXXX  i cancelled all of my cards at Chase and ended a  XXXX  relationship with them over this issue. Now since then I have written  XXXX  additional time to the company and they have now been charging late fees and interest payments on the closed account. Today I started receiving the call from their collections department and have no sense of being exonerated with regard to these false charges placed on my card. They call regularly and have no information they have reviewed and I have to explain to them over and over but no one is listening in their customer services department.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALLY FINANCIAL IS SHOWING ME LATE FOR A TRUCK THAT I PAID OFF AND HAVE TITLE TO THE TRUCK. THEY SENT LETTER ME SAYING THEY WOULD NOT SHOW DELINQUENT HOWEVER THEY REPORTED DELINQUENT TO CREDIT AGENCIES BY MISTAKE. ALLY FINANCIAL HAS NOT HELP TO CORRECT THIS PROBLEM THEY MADE. IT HAS IMOACT OM MY CREDIT SCORE. 
CAN YOU PLEASE HELP ME HAVE THEM CORRECT THIS AS I HAVE NEVER BEEN DELINQUENT. THANKS SINCERELY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Lexis Nexis asking to verify a bankruptcy that remains on my credit profile. This letter was signed for on XX/XX/XXXX at approximately XXXX. According to FCRA it is my right to have them verify these items and they had failed to do so. Not only have they failed to verify but they have willfully violated the law.
Product: Mortgage

Dealing with a lieing and stealing mortgage company. Proved four lies they have fed to us. Dealing with Bank of America lieing modification. Dept. Names on mortgage have every statement and cancelled payment transaction that prove we are responsible mortgage owners ... ... .. Bank reports false credit late payments on home .... We understand notes are due every month, their phone rep dept. and dept that generates statement balances and mails them to customers, tells the customers doesn ' have a payment due, after the modification is approved ... ... .. Same case as NORTH CAROLINA VS. BANK OF AMERICA ... ... Same XXXX payment exactly one year later ... .... Customer has been told they are wrong over and over ... ... .. Customers have every thing on paper filed in order by date ; waiting for the banks subpeona or the state of TN. Lawsuit
Product: Money transfer, virtual currency, or money service

I was scammed out of {$4500.00} on XX/XX/2021. I have contacted NCSECU XX/XX/2021 and they told me it was nothing they could do about it, denied my case for fraud and told me to contact XXXX. I called XXXX and they said that I would have to contact my banking institution and that the bank should be able to refund me my money. I called the bank back and told them exactly what XXXX told me. They told me to call XXXX back to see if I could get an email with the resolution to the call. I forwarded the email from XXXX to NCSECU card fraud department on XX/XX/2021 and was told that i should hear back within 3-5 business days. Here it is XX/XX/2021 and I have YET to hear anything back and EVERY TIME I call I get told that the advisor over the case ( XXXX XXXX ) is waiting on his manager to sign off on it. It has been a total of 21 days with NO RESOLUTION!
Product: Mortgage

XXXX of texas was the closing title company. I signed my loan documents on XX/XX/2021 and still the loan is not closed. XXXX XXXX says they never received payment. XXXX says they sent the money. I am already due for my loan payment
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, IA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1600.00}.