23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On or around XXXX XXXX, 2016, I, XXXX XXXX, initiated in-house transfers from my Capital One checking account to go into my Capital One 360 Accounts ( XXXX PEO 360 account and XXXX Retail 360 account ). I have had these XXXX accounts with Capital One for approximately two years ( as well as the checking account ). XXXX account was used to fund my XXXX retirement account and the XXXX 360 account was intended to be a savings account. Both of these accounts was first funded by a checking account that I had with XXXX. I later opened the Capital One checking account and the XXXX 360 accounts was recurrently funded by the Capital One checking account. I was positively making deposits into both accounts successfully for a while. I came into some financial difficulties and it became that I was not having the funds available from the XXXX account nor the Capital One checking account. When this happened I would receive an email from Capital One that the funds was not available and the transaction could not be performed. Never was there an NSF attached to this issue. Due to the recurrent notice of unable to perform the transactions, I stopped the recurrent transfers. My intent was to deposit the funds as I received them ( available ). In the past recent months, this has proven to be unsuccessful. On the XXXX of XXXX, I decided to give the recurring transfers another try, in a attempt to see if this would aid me in making those funds available. The first transfer was scheduled to happen on Friday XXXX XXXX, 2016. I was aware of the funds not in the account. However, under the understanding of the present and past history, I understood that the transactions would not be made. On Saturday when I checked my account, there was a $ XXXX deficiency. Capital One transferred {$25.00} per 360 account and charged a {$35.00} NSF for both accounts. I spoke with several customer service agents at Capital One Bank and 360 representative. I stated that this was a in-house transaction that did not have to be performed because the funds was not available. As a precedent, this action would not have been performed. The XXXX rules states that ACH transactions are those of Direct Deposit or transactions on a payment. The transfers that Capital One performed was neither of these XXXX rules. Capital One did not lose on the transaction, they put funds back into their own door ; of which would be for their use. I instructed each representatives of whom I spoke to on Saturday XXXX/XXXX/2016 to return the funds back to the checking account and close the XXXX 360 accounts. They refused to do so. The funds was posted into my accounts on this day XXXX/XXXX/2016 and was available for dispute. However, Capital One failed to allow me to dispute these transactions. Please see attach transaction information showing funds not available and no NSF attach to the precedents. The representative for the 360 accounts stated that 360 does not have NSF fees associated with those account. Therefore, Capital One can not ethically initiate NSF on funds that are 360 funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I do not recognize this report on my credit report. It is a fraudulent account that I do not own.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX on my credit report I have no idea what it is and why its on my credit report. I want proof of who they are to make sure its not a random bill from anywhere I never received anything from the company and dont know who they are
Product: Mortgage

Loan care failed to make my hazard payment ( for the second time ) and now their trying to force place their own much more expensive insurance and are trying to charge me {$95.00} per month for every month I was uninsured! I've spent hours on the phone trying to resolve this and have spoken to multiple customer service reps and have gotten a different response from them all. Loan care is blaming the insurance company. The payment just wasn't made! I have my annual tax statement from loan care that states {$0.00} was paid to hazard insurance! Why??
Product: Checking or savings account

To whom it may concern : Please find our detailed account of a Bank theft incident below to our business bank account. 

On Thursday, XX/XX/XXXX at XXXXXXXX XXXX, I logged into our business MTBank account to find four web payments pending from our account : XXXX : {$9900.00} XXXXXXXX XXXX : {$9900.00} XXXX XXXX  : {$9900.00} XXXX XXXX {$3000.00} None of these payments were initiated by my company. I also had approximately 140 spam emails in her inbox. 

At XXXX, I called M & T Bank to report the robbery but was informed that online banking support does not open until XXXX. At XXXX, my. partner called the M & T Bank web banking service to report these as fraudulent charges and we immediately changed our passwords for email and banking and ran malware scans on our computers. We were informed by the MTBank investigators that the transactions were made on my login at XXXX the previous evening, XX/XX/XXXX. 

On XX/XX/XXXX, the funds were shown as no longer pending, and had transferred out of our account, leaving us with approximately {$10000.00} in all our accounts. 

In response to the M & T Banks financial crimes divisions advice, we also filed a local police report, FBI IC3 report, and XXXX report of the robbery. We have also worked with our M & T Bank banker to set up two new accounts.

M & T Banks financial crimes division informed us that recovery of the funds is independent of whether M & T Bank determines they will credit our account.

As of today, M & T Bank has still not given us a timeline of when or if the funds will be restored to our account. It is unclear to us why M & T Bank insurance policy has not kicked into action. We as a firm, are vigilant about our cyber security and are the victims of this massive theft to our small business, making it impossible for us to make payroll and threatening our ability to continue operating. 

This is a summary of all the facts, coordination and reporting on this issue to-date.
Product: Debt collection

I am writing in response to your recent attempts to collect a debt that is not mine. This letter serves as formal notice that I dispute the validity of this debt and request that you cease all communication with me regarding this matter, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). 

Under the FDCPA, I have the right to dispute this debt, and I am requesting that you : Cease all further communication with me regarding this alleged debt. 
Provide validation of the debt, including evidence that I am the party legally responsible for it. 
To clarify, I have no connection to this debt and have no contractual or financial obligation to the original creditor or any party claiming collection rights. Continuing to contact me or report this alleged debt to credit bureaus without proper validation may constitute harassment and a violation of federal law. 

If you fail to comply with this notice, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and the Federal Trade Commission ( FTC ). I reserve the right to take legal action for damages and statutory penalties under applicable laws. 

Please confirm in writing that you have ceased all communication regarding this alleged debt. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX  XXXX {$40000.00} XXXX   XXXX {$3800.00} XXXX XXXX {$6300.00} XXXX XXXX {$1000.00} XXXX XXXX {$0.00} XXXX XXXX {$6000.00} XXXX XXXX {$1900.00} XXXX XXXX {$10000.00} XXXX XXXX XXXX   XXXX {$40000.00} XXXX XXXX XXXX {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to dispute with Experian, XXXX, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I found out an account was opened in my name on XX/XX/2022 with XXXX Credit Card, XXXX Georgia, in which XXXX XXXX XXXX XXXX was purchased. The information was reported on my credit reports. The credit was for the amount of {$4000.00}. I contacted XXXX and received no response from them. They were suppose to contact me from the fraud department within 3 days but I have yet to hear from them. I contacted the company XXXX on XXXX XX/XX/2022 and informed them that it was a fraudulant account. They were not helpful at all. Stated it was my information so implied it was my account regardless of how much I tried to explain that I did not open the account. Contacted the XXXX fraud department and found out the person used my name, address, ss # and date of birth but used a different email and phone number. On the same date, XXXX XX/XX/2022, that I spoke to the fraud department and informed them of the fraudulent activity, I received an email stating that they updated my account with the correct email and phone number as requested. I clearly informed them that I did not have an account with them and was attempting to report fraud, not update information. I was sent a Fraudulent Affidavit application emailed to have signed and sent back with the appropriate information. Information was certified and sent via email because I was not able to fax it to the fax numbers they provided. I had not initiated a police report at that time because I was not aware that I had to. The company received the affidavit on XXXX XX/XX/2022 and stated that it was under review. I also had my credit frozen and notified the social security office of fraudulent acctivites being initiated using my social security number. I initiated a police report on XXXX XX/XX/2022 but was told they could not do much since it was out of state. I was instructed to initiate this report by the social security office and the XXXX XXXX Sheriff 's office. I have also had other accounts of someone attempting to use my identity to obtain loans, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I was able to resolve those issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charge off account on my reports with multiple inaccuracies. This account was previously deleted from my reports by XXXX back in XXXX of XXXX but has been recently inserted back onto my reports. Per the consumer laws, I am supposed to receive a letter in the mail with a five day notice of any accounts that will be reinserted onto my reports and I never received anything from them, XXXX nor XXXX XXXX. 

I have contacted XXXX XXXX directly along with each bureau requesting documents and how did they verify this account and have never received any sufficient proof or documents to me as requested. Not only have I not received any documents but each credit bureau is reporting very drastically different information. 

XXXX is reporting an open date of XX/XX/XXXX, a high credit if {$500.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

Experian is reporting an open date of XX/XX/XXXX, a high credit of {$0.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

XXXX is reporting an open date o XX/XX/XXXX, a high credit of {$350.00}, a last report date of XX/XX/XXXX, a last active date of XX/XX/XXXX and a last payment date of XX/XX/XXXX. 

If all of the credit bureaus are getting their information from the same place, how is it that they are all reporting very different information. Given the facts of this matter the credit bureaus as well as XXXX XXXX is clearly in violation of the consumer laws and should delete this account from my reports immediately.
Product: Credit card or prepaid card

On XX/XX/ I purchased a XXXX debit card in error at XXXX. I thought the card I purchased was XXXX gift card but the card was a Netspend debit card. I loaded {$10.00} on the card at the register. I tried to activate the card on Netspend.com and the automated phone line without success. I contacted customer service on XX/XX/ and was told by XXXX I would receive a refund check in 10 business days. On XX/XX/ I recieved a check in the mail for {$4.00}. The card was never activated or used and Netspend withheld {$5.00}. Netspend charges {$5.00} for an inactivity fee. How does this apply to me since I never activated or used the card?
Product: Credit card or prepaid card

I obtained a XXXX Credit Card and was adived that it would be interest free for 12 months. I made regular on time payments throughout the 12 months with no issue. I received notice that my payment was late in XXXX, only to look up my online account to learn that I had been charged over {$3000.00} in interest and that my minimum payment was now {$450.00}! I contacted the company and received correspondence back stating they could do nothing. I contacted them again and advised that I would pay the total owed without the additional interest if they could assist. They stated they would not due to the time that had passed. They stated that because 20 days had passed nothing could be done. I explained that I reached out to them via email to request assistance when the charge initially showed up, when the employee looked in records it stated that they could not get back to me because I was not enrolled in a portal. 
This is a disgusting misuse of power by XXXX. They should be ashamed of themselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Credit card or prepaid card

In XXXX 2017 I received an attractive offer for a Chase - Southwest Airlines credit card. The offer said I would receive {$100.00} credit, plus XXXX points in my Southwest frequent flyer account. I applied for the card, but Chase rejected my application. The rejection letter, dated XXXX XXXX 2017, stated Too many credit cards opened in the last two years associated with you ( please see the first page of the attached document ). On XXXX XXXX 2017 I called Chase and complained about it. I was told the decision couldnt be reversed. On XXXX XXXX 2017 I called Chase again and asked How many credit cards opened in two years is too many? The agent failed to answer my question. Ironically, on XXXX XXXX 2017, shortly after my credit card application was denied, I got an offer from Chase for a home equity line of credit ( please see the second page of the attachment ). That clearly shows that Chase considered I was a reliable customer. In addition, at the time my application was rejected I had two Chase credit cards. Both were always paid in full ( I had autopay set up ). Last but not least, I have an excellent credit score. My honest opinion is that Chase bank declined my application because it did not want to honor the bonuses.
Product: Payday loan, title loan, personal loan, or advance loan

the loan has been paid off for over a year they continue to take XXXX every month out of my account., sent it to collections. paid an insane amount of interest the loan has been paid off for over a year. they take money and interest out of my account.. i called them they advised that its paid off and continue to charge every month
Product: Debt collection

I made a purchase in XXXX 2015 from XXXX paying with Pay Pal who has my credit card number. After a period of time, I 'm not sure how long, I received a call from Pay pal credit saying I owed them money. I contacted Pay Pal and they said I did n't owe anything. 
I continued to receive calls from Pay Pal credit so I just ignored them since Pay Pal said I owed nothing. This is XX/XX/XXXX and I have been receiving calls from Pay Pal Credit daily. l returned their call and spoke with a man who said I owed them from a purchase in XX/XX/XXXX. I asked him what the purchase was and why they did n't get the money from my credit card which they have on file. He said they do n't have my credit card. He said that he was not with Pay Pal but with Pay Pal Credit and that I had agreed for Pay Pal to bill them for my purchase. I told him I never made any agreement with Pay Pal except for them to bill my credit card which they have on file for my purchases. He said I agreed to use Pay Pal Credit and had given them my social security number and phone number. I told him I never gave consent for any form of payment to pay pal other than my credit card. 
He said I owe Pay Pal credit {$270.00} for the initial purchase plus {$36.00} interest plus additional charges for unspecified fees. 
I do not object to paying Pay Pal the {$270.00} due for the purchase as I agreed using the credit card they have on file. I do object to paying any interest or other late fees occurring due to their sending my bill to another credit company without my knowledge.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
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.

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to you today to inform the Credit Reporting Agencies that I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove and block any accounts listed on an ID THEFT Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$500.00} XXXX XXXX  XXXX Balance Owed : {$7300.00} XXXX  XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$1300.00} XXXX  XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a online payday loan that keeps coming up on my credit report from speedy cash it is not mine, i have disputed it for years it goes off my report then they put it back on my XXXX again. its got the date of XX/XX/2015 for XXXX i did not do this someone did fraud on my account.i contacted the debt company that has the debt and they told me to go this route. its through XXXX XXXX. THERE EMAIL ADDRESS IS- XXXX XXXX
Product: Debt collection

Received notice of bill. Did not state I could dispute just demanded payment. Sent a validation letter in XXXX of XXXX. Never received a single validation or notice or anything. Then they put it on my credit report dropping my score without a single response to my letter. Filed dispute with credit bereau. XXXX city lies and claims they never got a letter. Funny how theses collection company always lie and claim they never got a letter and then once they are notified to remove it from the credit report because they failed to follow fdca guidelines they have not removed this. This item was also paid for by insurance It is not a valid debt it is also a medical debt and can not be placed on credit report They have violated every single fdca act law and should be fined
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters and a FTC Fraud Affidavit to the Credit Agencies with regards to the following accounts that are fraudulently reporting on my credit file. I would like these accounts removed with your assistance : XXXX XXXX XXXX ( 2 accounts ) XXXX XXXX XXXX XXXX XXXX XXXX ( 2 accounts ) US Dept of Education XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX