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

Under Regulation E, which implements the Electronic Fund Transfer Act ( EFTA ), consumers are protected against unauthorized electronic transfers. 

Federal law limits my liability for unauthorized debit card transactions to {$50.00} provided I report the fraud within two business days of discovering it.

" I may incur no liability for unauthorized use of my card or card number up to the amount of the unauthorized transactions ''.

12 CFR Section 1005.11 requires banks to investigate report errors and provide provisional credit within 10 business days if the investigation is not concluded. 

" Fraudulent Pretenses, also known as the theft by false pretenses, is a crime that involves obtaining property from someone else through deceptions. The perpetrator uses false statement or representations to trick the victim into willingly giving up their property ''. 

My Wells Fargo debit card ending in XXXX and pin number was stolen through FRADULANT PRETENSE XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and used on unauthorized ATM transaction on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX in the amount totaling {$2000.00} from 8 separate transactions. ( My account only let me take out {$1000.00} per 24 hours not sure how they were able to take out {$2000.00} within an hour time frame. Please verify when and what time was my account change from {$1000.00} daily cash limit to {$2000.00} daily cash limit ). I reported this to my local branch on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX contact number was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I called XXXX the banking associate informed me they denied my claim and gave the number XXXX for further information on their denial to my claim.
Product: Debt collection

I responded to a letter, dated XX/XX/2019, that I received at my address of XXXX XXXX XXXX XXXX, XXXX, WI XXXX. The letter stated that I am responsible for a debt that no longer belongs to me. 

Timeline : XX/XX/2019 - A letter was sent to my employer stating that my wages were to be garnished. Please note that I was not informed of this garnishment by either the creditor or employer until XX/XX/2019. 

XX/XX/2019 -I called ConServe, the debt collector, to dispute the debt. I spoke with a representative ( XXXX ) at XXXX. XXXX flagged the account as a verbal dispute and informed me he was sending paperwork to dispute in writing within the 30 days. XXXX requested that I call back on the XXXX if the paperwork didnt make it to my address. He stated that it could take up to a month to receive. 

XX/XX/2019 ( 11 days after my call ) - I received a notice from my employer that my wages were to be garnished. I called ConServe to discuss the matter and spoke with a representative by the name of XXXX. XXXX informed me that the dispute paperwork was sent to the wrong address. An address that I have never lived at. Since the letter was never returned, they assumed I received the letter and choose not to dispute. After some discussion and questions, I asked to speak to a manager for more clarification. I spoke with XXXX XXXX and she said I could call the garnishment department the following day. 

XX/XX/2019 - I spoke with a gentleman from the garnishment department by the name of XXXX. XXXX recognized the clerical error as well, but said there was nothing he could do. When I asked how they received my XXXX XXXX XXXX XXXX address in the first place, he didnt have a clear answer other than the Post Office gave it. 

I was never given my due process of 30 days from the original letter dated the XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor is the addresses or names listed not me.
Product: Debt collection

The company direct management called my place of employment last week and I was not at work. Then they called again today XX/XX/2018 and I told not to call me at work. The women insisted that they need to collect payment. I again stated i was on the job. Finally I got her to get off the business phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX;HasFraudulentactivityandIncorrectinformation.AlsoXXXXhasdeniedmeaccesstocreditreportsinceXXXX!

Identitytheftandfreezeshavebeenexhaustedover9yearsnowyetmycreditreportscoreandfileisinaccessibletome,mycreditreportandscoreseverelyinaccurateincompleteinformationaswellasFraudulentactivityandaccountsarethereasonXXXXXXXXXXXXXXXXetcmeXXXXlockandillegallyhavelockedmeoutofmycreditreportfilesinceasearlyXXXX.

EachBureauforCreditScoreandReportshavemadenoevidenceofprotectionformeandIhavemultipleyearsofoutdatedandagedstudentloansasdebtandnothingelse.Yetfor10+yearsnow520-580atbestusassociatedwithmyidentityandUSAsocialsecuritynumber.I'moutragedBeyondCriticalconditionsinmylifeIrreversiblehardshipsonsetofunsalvageabledamagethataffectedmychildrenandI.PhysicallyXXXXemotionallydevastedfromlackofprofessionalismprotectionandtheXXXXprocessandprocedurespereachmajorbureautermsofserviceandprivacypolicyfacilitatingthis.Pleaseexcusemybrevityoftheprerequisiteforthisdiscussion.Collectivelycouldn'tcasefileasdisputesIhavetocontinuediscoveringdiscussionaboutthis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( 1 ) and one-half ( 1/2 ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason FirstMark 's systems have placed my current address to an address I have not lived at in central Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX FirstMark disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet Firstmark has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. Firstmark may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a chronic medical condition, that without subjects me to extreme sensitivity to light and sound, for which both register as pain. During those periods I am unable to use a computer or phone.
Product: Debt collection

CRA violation no knowledge inaccurate accounts appeared on my Transunion credit report. FTC ID Theft Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.
Product: Credit card

My identity information was used to create a credit account with XXXX XXXX XXXX through Synchrony Bank. Sometime in XXXX XXXX. From talking with Syncrhrony Bank they are going to submit forms for me to complete to remove this from my credit history. However, I am filing this information as a back up to assure Syncrhony Bank follows through.
Product: Mortgage

My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my credit report. I am a victim of identity theft and did not authorize these charges. I have already contacted the Federal Trade Commission 's Identity Theft Affidavit in regards to the theft. I would appreciate if these charges were removed from my file as soon as possible because it is hindering me.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 card or prepaid card

The credit limit increase rejection letter says they are still evaluating their internal limits. There is no reasoning that has anything to do with my personal credit score or history. 

After my first complaint, they just resent the same letters back to me.
Product: Credit card

I have been a Best Buy Credit Card holder since XX/XX/2012. I am trying to pay off a balance but I have noticed that it does n't seem to be changing, so I decided to go online and review my account statements. I normally just go online and pay my bills since I have a general idea of what I owe. When I took a closer look I noticed I was charged a fee for what I now know is a " Debt Protection '' program that I never signed up for. I immediately called the credit card company and questioned this charge. After speaking to a " Debt Protection Specialist '' I found out that I was signed up for this in 2012 ( which I never did ) and I have paid {$820.00} into this program ( Not including any potential interest accrued ). They could not tell me where or when I was signed up for this program. I immediately had it cancelled. Again, I asked specifics of how I was signed up for it and proof. The woman, XXXX, put in a request for the proof and a request for a possible refund ( I was told it will take 30 days just for a response ). I asked for documentation that there will be an inquiry and was told that the documentation I would receive in the end was the only documentation they could provide me with. Basically the specialist can only submit requests and can not help you with any documentation. After the phone call I scoured my records and found my original paperwork from the initial credit card application. There is no mention of any form of " debt protection '' fees that I allegedly signed up for. In fact, the fees section is completely blank on my paperwork. I would have never knowingly signed up for such a thing because it is simple not cost effective ( I recently read about the details online ). I did not sign up at the time of the credit approval ( no documentation of fees on my paperwork ) nor would I have done so after. I did n't even notice the charges because they were small to medium amounts and I normally pay my bills online and since this has been happening for so long, my balance never looked " wrong '' to me ''. I do not know if this is some sort of scam guised under false pretenses to deceive the consumer or if it was an honest mistake. I know that I should have caught this sooner, but regardless it was something that happened that should not have happened. I am outraged that this is a practice of the company and expect them to remedy this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

CHASE VISA  closed on   XXXX   XXXX   XXXX   ; {$9700.00}   15 U.S. Code Subchapter I - CONSUMER CREDIT COST DISCLOSURE I am requesting a copy of my application and any and all disclosure pursuant to 15 U.S. Code 1637 - Open end consumer credit plans.
Because of this willful and knowing violation, there is a negative rating on my credit report. Pursuant to 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, stolen, and even could be found on the dark web. A research of my credit files that's being improperly reported by the 3 major reporting agencies has disclosed these unauthorized fraudulent accounts, these accounts do not belong to me. I never once was in business with any of these creditors. Therefore, it is my responsibility to bring this to your attention and for you to remove such fraudulent accounts. The accounts are as following. 

1 ) XXXX XXXX 2 ) XXXX XXXX  {$370.00} 3 ) XXXX XXXX XXXX {$320.00} 4 ) XXXX XXXX XXXX {$170.00} 5 ) XXXX XXXX XXXX {$340.00} 6 ) XXXX XXXX XXXX {$1200.00} 7 ) XXXX XXXX XXXX {$50.00} 8 ) XXXX XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$55.00} 10 XXXX XXXX XXXX XXXX {$200.00} 11 ) XXXX XXXX XXXX {$100.00} 12 ) XXXX {$20.00}
Product: Checking or savings account

Would not auto pay bills that was set up to pay refused let payment go thru
Product: Money transfer, virtual currency, or money service

I recently started using Binance.US for investments and end of XXXX ( XX/XX/XXXX ) my account got locked due to an accidental charge back. I have done everything theyve asked me to do to reactivate my account. 

I have settled all the money discrepancies, and since then Ive had my deposits activated to be able to deposit more money into their bank XXXX XXXX XXXX, but they will not allow me to do any trades, sales, purchases, or withdrawals at all. Im only allowed to deposit into the account from my other bank account. On XX/XX/XXXX I submitted a support ticket after redoing all of their verification steps, and when you submit a ticket it states to not submit multiple bc it pushes you back in line further. On XX/XX/XXXX they responded that they had not viewed my ticket & that they hoped it resolved itself, & that if I need more help to respond. Since I had not had anything resolved, I responded with no response back from them. I sent another email at exactly one month from their first response on XX/XX/XXXX asking to please unlock my account, or give me the steps I need to do. Still no response and its been another week. 

When I look online for help from them there is no phone number to reach them. They have no chat option to directly interact with a human. The support ticket Ive sent in has not been reviewed still from what I can see and I have money trapped in investments that I want to sell! I cant keep sending support tickets because it will push back further according to their website, and all I need if for my account to become unlocked for buying/selling/trading/withdrawals.
Product: Debt collection

I had a charge on my credit account and I disputed said charge. It is in violation of XXXX XXXX guidelines and must be removed from my credit report. I filed this dispute on XX/XX/XXXX of XXXX and received my answer back on XX/XX/2023. The amount in question of being past due is XXXX $ from the creditors XXXX XXXX XXXX.
Product: Debt collection

PERSON CALLED ME LOOKING FOR MY SON. I TOLD HIM I HAD NO COMMUNICATION WITH MY SON AT ALL ( WHICH IS TRUE ) AND ASKED THAT HE DO NOT CALL ME AGAIN LOOKING FOR HIM. HE SAID HE KNEW I WAS LYING THAT MY NAME WAS ... ... AND STATED MY NAME AND KNEW I WAS THE MOTHER OF THE PERSON HE WAS CALLING FOR. I TOLD HIM EITHER WAY DO NOT CALL MY NUMBER AGAIN, THIS IS A CELL BY THE WAY. HE THEN SAID HE HAD THE RIGHT TO CALL ME AND THAT IF I HUNG UP ON HIM HE WOULD JUST CALL ME BACK CONTINUOUSLY. I TOLD HIM THAT I WOULD CONTACT MY ATTORNEY AND TO GET A REAL JOB, HE THEN TOLD ME I WAS NOT A VERY GOOD XXXX! HOW DARE HE BRING ANY RELIGOUS CONTENT TO THIS CALL. I HUNG UP, HE CALLED BACK, I IGNORED THE NUMBER, THEN HE CALLED XXXX MORE TIMES SO THE LAST TIME I ANSWERED AND PUT MY PHONE UP TO AN ALARM AND BLARRED IT INTO THE PHONE SO IT WOULD BLAST IN HIS EAR. HE DID NOT CALL BACK YET.
Product: Checking or savings account

I went to XXXX XXXX for a week between XX/XX/2022 and returned on XX/XX/2022 on XX/XX/2022 my WSFS Debit card was frozen because I was spending our of my local area. I was unable to view the account online. I called and verified the current charges on the account and the account was made available. I returned home and went to use my WSFS Bank card on my phone and discovered it was compromised I was not aware that I had lost my card. Unauthorized Charges in the amount of {$9600.00} were billed to my Debit Card on the XXXX, XXXX, and XXXX I was not aware my card was missing because I often use my phone to tap transactions and in that instance my PIN number is also used. I received a letter from WSFS Bank on XX/XX/2022 stating that the disputed transactions were not going to be reviewed and that I was responsible. I spoke to the Customer Service area and was provided transactional info and merchant phone numbers. 

XXXX XXXX XXXX XXXX Date XX/XX/2022 XXXX separate transactions {$2300.00}, {$500.00}, {$400.00}, I called the merchant and was advised that he spoke with the security department of WSFS Bank ( XXXX XXXX and advised that there was Video Footage and receipt detail and he informed her on how to get the detailed information. XXXX XXXX XXXX XXXX called me back on XX/XX/2022 and informed me that no one from WSFS has reached out to the Loss Prevention area of XXXX XXXX to request the information. 

There were also two XXXX charges also on the same post date XX/XX/2022 {$1000.00} and XXXX, I spoke with the general manager XXXX, he informed me that he had spoke to someone by the name of XXXX at WSFS Bank and provided him the information that an ID was present and and a receipt was available. However this transaction was processed after I was already in Delaware. But no one at WSFS is trying to help in this instance I did speak with XXXX 's XXXX, XXXX XXXX and she is of no assistance either I have also sent information to XXXX XXXX of WSFS Bank in the last four days and I have received not response. XXXX XXXX informed me that she would not open the dispute and advised me if I wanted the merchant receipts that I should go into a WSFS Branch and request them. there are many more transactions processed on the same date they include over 50 transactions and a total of {$9600.00}. I have also filed an online police report with XXXX XXXX, Nevada and I have listed all charges.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report. Immediately : EQUIFAX sent a letter to me on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I had a Western Union money order made in the amount of {$50.00} to bring my Capitol One / Walmart credit card to a {$0.00} balance. 

( Western Union Money Order Number : XXXX Western Union telephone to verify : XXXX ) Imagine my surprise when I received a statement from Capitol One listing a Late Fee of {$28.00} with {$1.00} in interest added. 

Since I sent payment to bring my card to a {$0.00} balance, I could not understand the addition of a Late Fee. 

I called Capitol One Credit Card Customer Service and spoke to a Representative about this. 

I was informed that the Money Order was not processed until XX/XX/XXXX ( after the XX/XX/XXXX Due date ) and thus, a Late Fee was applied plus Interest. I explained that the Money Order had been created on XX/XX/XXXX and mailed out, and that the Late Fee should be removed, but the Representative stood firm that the Late Fee would stand because my payment was not processed until XX/XX/XXXX. 

I eventually spoke with three Capitol One representatives, including a Supervisor, all of whom stated the fee would not be removed. 

I also wrote to XXXX XXXX XXXX XXXX, XXXX and XXXX, Capitol One XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX, on XX/XX/XXXX, but received no response from his office. 

I do not know why it took over two weeks for this Money Order to be received and credited to my account. 

I do not know if there was a shortage of staff at Capitol One due to the XXXX XXXX. I do not know if it sat in the Mail Room until XX/XX/XXXX. But I will not be the scapegoat for this. 

All I know is that I made the effort to have a Money Order made and mailed over two weeks before the due date so that the payment would be processed as cash. 

I want this Late Fee and Interest removed. 

Thank you. 

Sincerely, XXXX XXXX