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

On XX/XX/2023 I noticed two unauthorized charges on my credit card account. 

XX/XX/XXXX - XXXX XXXX XXXX - {$430.00} XX/XX/XXXX - XXXX XXXX XXXX - {$140.00} These purchase were not made by me and it is my belief that my credit card was temporarily stolen while in a foreign XXXX airport traveling for my wedding. I believe these charges are theft and fraudulent and are to the benefit of some unknown individual or merchant at my own personal expense. I can verify with certainty that these purchases were not made or authorized by myself or anyone I know. 

Upon realizing I had been the victim of these fraudulent charges, I immediately contacted Capital One to report the fraudulent activity and launch an investigation. To my disappointment, 10 minutes after calling them, they had sent an electronic letter stating they denied my claim without ever pursuing any investigative measures as they had promised. They simply stated that because purchases were made by me afterwards, that I would be liable for these fraudulent purchases. Capital One is refusing to protect against certain instances of fraud. Furthermore, they refuse to investigate the matter beyond an algorithmic, non-human analysis. 

CapitalOne should honor their advertised consumer protection promises and reimburse these unauthorized transactions. Furthermore, they should pursue an actual investigation as they promised they would in order to punish the merchant or individual who is taking place in illegal practices and theft. 

CapitalOne is not giving my report due diligence and is not willing to consider less likely scenarios that are nonetheless true and the result of unauthorized fraudulent activity.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CFPB XXXX, I pray that this message reaches you in great peace. When Sending the Debt Validation Letters to National Credit Adjuster, I found the information to be faulty and incomplete. I specifically asked this company to produce the following pieces of information : XXXX XXXX XXXX XXXX Texas Sec XXXX XXXX XXXX XXXX Original Documents with signatures This company sent me documents from XXXX years ago for an account that they have stated to all three credit bureaus that this account charged off in XXXX. This account information is in violation of the FCRA & this companies is in violation of the Section XXXX of the XXXX XXXX XXXX prohibits a third-party debt collector or credit bureau XXXX XXXX in debt collection in Texas unless XXXX third-party debt collector or credit bureau has obtained XXXX XXXX bond and filed a copy of the bond with the Office of the Secretary of State. 
Please make contact with this XXXX XXXX collection agency in Kansas to make them comply with XXXX and XXXX laws. The contact information of this XXXX is below. Thanks so much for you time. 


Creditors Name : XXXX XXXX XXXX Creditors Address : XXXX XXXX XXXX SUITE XXXX, XXXX, TX XXXX Creditors Phone Number : ( XXXX ) XXXX Date : XX/XX/XXXX Dear Credit Bureau XXXX Member, Re : Account Number : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have raised concerns about the accuracy of this account information with the relevant party, and they have responded by claiming to have verified the debt. I find this puzzling, as I have personally contacted the collection agency in accordance with the FDCPA laws, but they have failed to provide any validation of the debt being mine. 

Attached are copies of my requests to the collection agency, along with the receipts proving that I sent these letters via certified mail with signature confirmation. I want to emphasize that this debt does not belong to me, and I have not been provided with any evidence of my obligation to pay it to this collection agency. 

I have a few questions regarding this situation : 1. If I have a contract with the XXXX, why is a third-party entity pursuing me for payment? 
2. Why is this third-party entity negatively impacting my credit score?

3. Why is this third-party entity attempting to coerce me into paying a debt that I do not owe them? 
4. If the XXXX has sold the debt to debt collectors, why am I receiving letters from the U.S Department of Treasury? I strongly believe that this is illegal. 

According to the FCRA, they are required to verify the validity of the item within 30 days. If they are unable to do so, they are legally obligated to remove the item. In this case, there is clear evidence of unverified debt, and I urge them to remove it from my records before I am compelled to take legal action. 

I perceive this as a form of retaliation against me for my departure from the XXXX. 

If they fail to verify the item in accordance with the FCRA and continue to report the disputed item on my credit report, I will have no choice but to sue for actual damages and seek declaratory relief under the FCRA. As per this regulation, I have the right to file a lawsuit in any qualified state or federal court, including small claims court in my jurisdiction. 

While I would prefer to avoid litigation, I am prepared to utilize the legal system to protect my rights under the FCRA. 

Failure to provide a satisfactory response will result in legal action being taken against your company. In such a case, I will also seek.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a are inquiry that I didnt consent to and its only in my equifax.
Product: Credit reporting or other personal consumer reports

I have sent over 12 dispute letters to all 3 credit Bureaus XXXX, XXXX and Transunion since XX/XX/year>. They have only responded with letters saying i did not send them. I have tried to speak to them over the phone but tell me i need to mail in or fax letters. I have for over a year and the refuse to respond or fix the issue. I have asked them for validation and do not respond. 

there for I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Mortgage

We filed a compliant with CFPB re Bayview Loan, they responded to the compliant with a letter and a phone number to contact them, but after trying for 8 days a couple times a day the phone number does not work. That is a great idea, just never have a working phone number so no one can call and bother you ... ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquires on report with XX/XX/XXXX.
Any inquires on report with inquiry XX/XX/XXXX. 
I have contacted the companies listed on my credit report. The companies deny any knowledge of the inquires that were performed. The companies stated that I should contact the credit reporting agency and notify them on inaccurate information. I did not notify XXXX but they stated that I would have to contact the companies directly. The information is not accurate.
Product: Vehicle loan or lease

I had an auto loan with Wells Fargo Dealer Services, who have been sending me refunds since XX/XX/XXXX. My vehicle ended up being repossessed and I am just now searching and seeing that there have been lawsuits and damages. I just spoke with someone at Wells Fargo who gave me the amounts and dates of the checks that they have sent me but would not tell me how the amounts were calculated ( calling it 'proprietary information ' ) and would not send me anything in writing ( either email or regular mail ) the repossession of the vehicle and resulting damage to my credit, etc. caused me a tremendous amount of harm when it happened and I am now looking into if I am eligible for any additional compensation provided under the settlements or through separate legal action ( or the CFPB ). So far Wells Fargo has sent me checks amounting to about {$1000.00} ( individual check amounts ranging from $ XXXX {$630.00}, the most recent was {$7.00} and was just issued on XX/XX/XXXX.
Product: Debt collection

I received a communication via mail in XXXX XXXX. I called on the XXXX to respond and request debt validation that I am allowed. The bill was for a gas company. A {$400.00} gas bill seems to be completely insane! The residence claimed is a single family home, how could a gas bill get THAT high? There has to be a mistake I originally spoke to a XXXX who was excessively rude to me and when I requested that all communication be written, she told me that meant a cease and desist of all communication. I tried to correct her but she would not listen at all! I requested to speak to her manager but she transferred me to a voice mail. I called back and got a hold of a XXXX who also refused to find a manager for me to speak too. I called back again and got a hold of XXXX who pretended like she had never spoken to me. I finally got a hold of XXXX ( a presumed manager ) on my 4th time of calling in. He talked over me and had an attitude about me requesting that he be polite. He refused to send me debt validation and told me I had to write in. No other collection agency does this. If you call in, they all will send out the required validation as it is a recorded line and it can be proven you request it. I asked him about the type of validation and had no clue what I was referring too. It was clear he does n't know FTC law requiring what consumers are allowed to request. He also tried to force me to admit the debt as mine though again, I havent even received validation! I asked for him to pull the call with XXXX and he just hung up on me. He did n't say he would look into the matter but just hung up rudely. I never raised my voice, but he constantly talked over me as I tried to explain the issues.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I found out i had XXXX fraudulent XXXX  loans on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled the amount on XX/XX/XXXX with the collection agency XXXX XXXX XXXX.  They never reported to the credit agencies as the stated they would in the letter thanking me for resolving this issue dated XX/XX/XXXX. They said that I would have to contact XXXX XXXX   myself. I did. XXXX sent me a letter dated XX/XX/XXXX stating that XXXX needs to change contact credit agencies. Nobody wants to take responsibility and do the right thing by simply reporting this settled account!
Product: Debt collection

Addendum to complaint # XXXX. This company cotacted me again, after I instructed them not to. I was again contacted on XXXX XXXX, 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Uploaded XXXX XXXX for eligible employer XX/XX/XXXX. Payment counts did not update. Called MOHELA and spoke with customer service in XX/XX/XXXX and was told there is au automatic payment review from Dept of Education which should complete XX/XX/XXXX. Payment counts updated eventually in XX/XX/XXXX and the XXXX form was processed however the payment count was incorrect. I contacted MOHELA in XX/XX/XXXX and they said they will initiate a manual review. It is now XX/XX/XXXX and there has been no update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/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 reporting or other personal consumer reports

The account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of dispute. furthermore, Equifaxs action may also contravene the consumer financial protection act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( Files NO. XXXX ) Against them for similar violations. I request that the CFPB TAKE ACTION to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation
Product: Checking or savings account

Wells Fargo , Inc. 

As a member of this financial institute of at least 40+ years that I would be looking for such treatment of service. 
Contact via tele call to your firm on XX/XX/2022 ( XXXX ) of the existing monthly charges of {$10.00} based on a specific criteria has to be met. Your Associate indeed professional and pleasant with me regarding the new criteria. 
Of course, he and all other associates are limited on the provisions when handling such an inquiry of : Why {$10.00} service charge? 
I was appalled and shock with the noted requirements of this checking account your firm will not embrace a member who is of a XXXX XXXX such as me but to your young adult community. 
Realizing my income is now limited with a specific monthly income of my social security benefits and retirement benefits it has been challenging to maintain. My history will reflect the movement of Social Security benefits because of undue cost with your firm. I remain with the firm with my monthly funds from a private firm. 
XXXX XXXX, I expected a level of understanding and compassionate service for myself and the XXXX XXXX from your company, I am quite disappointed. 
I would certainly hope your team will return to the board room and regroup on the needs of a large and dependable market of XXXX XXXX that will provide consistent deposits and business in assuring us we can continue to look to your firm for assistance in existing thus so far.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX XXXX XXXX, I initiated a standard transfer to my bank account from my Venmo account. When I initiated the transfer, I got a notification that the transfer was in a " review process '' that they do on all transfers. Roughly an hour later around XXXX XXXX  I got an email saying that my transfer has passed their review process, and that my transfer has been initiated. The expected transfer completion date shows as XX/XX/XXXX. 
The very next morning on XX/XX/XXXX I had gotten 2 emails from Venmo 1, stating that my account has been frozen and to upload a few documents to verify my identity which I've already done on the app once before when I opened the account. And roughly 45 minutes later I got another email saying that my account has been escalated to a specialist. the specialist informed that my account has been permanently closed. On XX/XX/XXXX the transfer wasn't in my bank account, and still to present day it hasn't been sent. I contacted Venmo support and they didn't tell me anything about what was happening with my money. I need my money asap or I'm going to be XXXX. I need this resolved immediately. 

I've searched online and this is a very common tactic done by Venmo, and I believe that their business practices are unprofessional, and borderline criminal for how much money they keep from accounts they close for no legitimate reason.
Product: Debt collection

The debt reported on my credit score is a result of fraudulent activity. The debt shown is fraud and I would like it removed off my credit ASAP, or me and my XXXX  will have to use legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed.

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such.

Thank you for your consideration
Product: Credit reporting, credit repair services, or other personal consumer reports

The Money Source mortgage company purchased my loan during the 1st quarter of 2018. Between them and the old mortgage company, I was repeatedly contacted about not having homeowners insurance throughout 2018. I've had the same homeowners insurance from my previous home to the new home, during purchase of the new home and supplied to the title company, and that I currently hold today. I myself as well as my insurance agent kept providing proof for every other request assuming the next request was in passing of data filing and was already in the mail. 
Near XXXX XXXX payment The Money Source ignored all our proof of insurance without reason and applied forced insurance. The Money Source rejected all methods of payment except by mail. They took my payment and never applied it to my account. The Money Source tried to force me to purchase their homeowners insurance. After serval months of fighting all while we continued to make our payments The Money Source not only admitted their error but also refunded over charges. After they admitted their error they reported me to the credit bureaus of my failure to pay on time. I asked them to remove it because I proved my prior case and they refuse. This is an illegal report per the fair credit report. I was wrongfully charged, over charged, and illegally reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry that was falsely made by Exeter. This credit inquiry was made on XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX which was received on XX/XX/XXXX, After 30 days passed, this company responded to my first letter by sending me a letter stating i should consult with another company on this matter, which doesn't make any sense, This particular company wasn't listed on my credit profile Exeter is. I did not authorize anyone employed by Exeter Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Checking or savings account

My checking account with Citibank has been inactive since XX/XX/XXXX. There hasn't been a single activity on the account between XX/XX/XXXX and now ( XX/XX/XXXX ), yet the account was charged a {$12.00} service fee per month for 17 months. 

I reached out to Citi and asked for full refund. However Citi only agreed to refund for two months ' worth of service fee ( {$24.00} ).
Product: Credit reporting or other personal consumer reports

The Equifax score is not visible or accessible on my recent credit report
Product: Money transfer, virtual currency, or money service

PNC has made some sort of change and now i am not able to link any of my accounts to my pnc account. when using XXXX  or other services it wont let you connect your pnc account anymore and it is EXTREMELY inconvenient. Please do something to fix this issue as i know thousands of people are having the same problem
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX lease turned in early. I was advised Id get a bill or credit once sold at auction. Months went by, nothing. In XXXX when refi my house I noticed on credit report XXXX XXXX saying I owe {$35000.00} or something in that ball park so I filed dispute. Dispute came back balance reduced to {$1900.00} but they marked me as being late for a year almost when I had no idea about the balance. They never communicated with me via email, phone call, fax, certified letter, or a letter at all. Id like to pay them what I owe but I want the negative falsely reported info removed from my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from Equifax and nothing from XXXX  or XXXX about these accounts.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again Cash App ( Block, Inc. ) due to inadequate customer service, and unfair practices, which violate Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with era resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.