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

XXXX XXXX XXXX Experian XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card Bureau Code : Individual Individual Account Status : Closed Closed Monthly Payment : {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3000.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; reported by grantor Accounts closed by credit grantor Credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year 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 OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK Experian XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit card

There were multiple transactions on my XXXX XXXX and XXXX XXXX cards with Navy Federal Credit union over the course of several months from a vendor named XXXX. I have never been in contact nor done business with this merchant. They had a recurring transaction on both of my credit card over the course of the end of last year XXXX to XXXX XX/XX/XXXX where I reported the transactions. They had gone unnoticed because I regularly max out my credit cards each month and pay them off in full. Upon opening the fraud dispute with Navy Federal Credit Union, I was given a credit for the disputed amounts of {$6000.00} and {$10000.00} for both credit cards. Later this credit was removed and the charges were said to be found as valid. I reopened my dispute several times and included the communication from XXXX support with them verifying that I, XXXX XXXX, had never done business with them or signed any contract. I had gotten them to send me the associated contract for the charges they pushed onto my card which was signed by a XXXX XXXX. When I confronted them that the contract had no attachment to me, but that my card was fraudulently used to pay it, XXXX informed me that they would need to contact their legal team. They Then asked me to dispute the charges with my credit card as they could not communicate with me any longer or offer support. I forwarded all this information to XXXX XXXX whom still refused to open a dispute even with the correlating evidence/documentation. 

Dispute Numbers : XXXX {$6000.00} XXXX {$10000.00}
Product: Checking or savings account

I am filing a complaint with the CFPB regarding capital one 's failure to deposit my direct deposit from my employer and any other incoming deposit. Capital One has cited technical issues, which may violate the electronic funds Transfer Act ( EFTA ) As it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investing this matter to ensure my rights are upheld. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year I noticed an old Capital One account which did not apply for. I filed an Identity Theft Report and submitted the documentation to Capital One as well as the credit bureaus. Capital One continues to report the fraudulent account after receiving the identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX, XXXX XXXX illegally repossessed XXXX XXXX XXXX  Account # XXXX. This issue was resolved a few days later. They returned the vehicle. However, it took months for them to remove the 30, 60, 90 day late payment. 

After it has been resolved, couple of months later, around XX/XX/XXXX ( last year ), their billing department sent me inaccurate bill showing months of unpaid monthly payment. Around XX/XX/XXXX, I contacted XXXX XXXX about fraudulent charges/inaccurate billing and credit reporting for 2 XXXX lease accounts that I had with them : Account # XXXX ( XXXX XXXX Encore VIN # XXXX ) and Account # XXXX ( XXXX XXXX XXXX VIN # XXXX ). I sent them an email dispute and it appears as if they again corrected the wrong bill for this account. 

When I made all the disputes, I made it clear to XXXX XXXX that both accounts were being paid at the same time. I provided them bank statements and even conferenced them with XXXX XXXX   representative over the phone. XXXX even confirmed to me that the amounts were being paid to XXXX XXXX by them on my behalf every time a payment is made through my XXXX XXXX  account. 

For the record, both these accounts were on automatic billing and payment directly with XXXX XXXX. I never knew that XXXX XXXX took me off of the auto pay around XX/XX/XXXX. Since I have enrolled on auto pay, I only open mails when I have time to file and organize. 

Around XX/XX/XXXX, I found out that I am being paper billed and that according to them I owe 2 months. And because I saw how undependable XXXX XXXX 's online payment system is, I decided to start paying them directly from my XXXX XXXX  account. 

Around XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that she would be putting notes regarding the 30 day late for Account # XXXX for research. 

Around XX/XX/XXXX, I spoke with XXXX and XXXX of XXXX XXXX - I was told that I would be receiving a letter from XXXX XXXX indicating no late payment record for Account # XXXX and that it would take few weeks before it is reflected in my credit report. 

Today, XX/XX/XXXX, I spoke with XXXX of XXXX XXXX - I was told that Account # XXXX is still showing the 30-day late. 


Records will show that I always pay my XXXX leases on time except for the month that their system abruptly and without notice stopped processing my auto pay. 

Records will also show that I always pay these

2 accounts timely and responsibly. Records will also show that I always pay these 2 acco
unts AT THE SAME TIME! 

Since I am paying both accounts at the same time, and they have removed the late payments in Account # XXXX, why have they not done the same with Account # XXXX? 

Both accounts should not show any late payments. I have been suffering because of this negligence. I have either been declined credit or been offered higher interest rates because of this inaccurate information being reported on my credit. 

Please see attached documents for reference.
Product: Debt collection

I had a policy on a boat through XXXX XXXX and underwritten by XXXX. 

My policy autorenewed on XX/XX/26 and I cancelled and switched to XXXX on XXXX ( 6 days ). 

My policy amount was {$680.00} so for 6 days I should owe {$11.00}. I was billed {$76.00}. 

I called XXXX to understand why and they told me that I had to call XXXX XXXX and they could not provide me with details. I called XXXX XXXX and they told me that the billing amount was incorrect and instructed me not to pay it and they would resolve it. I receive another notice on XXXX telling me the amount was still due and if I did no pay it would go to collections. I've never paid anything late in my life and have a perfect credit report. I called XXXX again ( several times ) and have text messages from my account manger that documents this conversation. First they told me that there is a 10 % early cancellation penalty and that was the reason. I asked for documentation to confirm their explanation. None was provided. I followed up. I was then told that there is not a 10 % cancellation and the amount will be removed. It wasn't. 

My account was then sent to collections. I paid the incorrect amount to immediately resolve the open issue, but it a fraudulent charge and I want this resolved accurately for the principle of it. XXXX sent me documentation without any detail as to how the {$76.00} was calculate. This is corporate greed using the Credit Reporting Agency system to extract money from consumers who think they have no options. 

I have text messages and a recording of my last call with XXXX and XXXX that I can provide to support my claim and I'm in Texas so it's legal for XXXX party to record the call. 

I am very thankful we have regulatory bodies to to keep corporations in check again crimes like this and appreciate your support. 

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

I am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX XXXX Those dates are : 1. XXXX/XXXX/2017
Product: Debt collection

First of all BCA Financial is trying to collect a bill from University XXXX that does not exist. When I called University XXXX they said there 's no balance such as {$2700.00} from XX/XX/XXXX/2008. 
Second of all, even If I owned it should not being reported to the credit agencies because they are saying the procedure and the bill was in XX/XX/XXXX/2008 which is over 7 years to be reported. 
I already gave them the opportunity to remove, but they said they wo n't to remove. 
BCA Financial XXXX XXXX - XXXX # XXXX XXXX XXXX billing dept : XXXX XXXX University XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the XXXX XXXXXXXX XXXXn fact, so be it ; As the XXXX XXXX the company has violated my consumer rights in more than one way and has caused damage to my reputation. 

15 U.S. Code 1681 ( a ) States : ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

It is a fact, no authorization nor consent was provided to post on my credit profile. 

It is a fact, no contract was signed with wet ink between me and this credit reporting agency to collect personal financial information. 

It is a fact, that my right to privacy is being violated by use of unfair credit reporting methods. 

It is a fact, that my consumer rights are being violated.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 my account on CoinBase .com was hacked. {$39000.00} worth of various cryptocurrencies were stolen. Upon suspecting that there was a fraud, I called CoinBase at XXXX p.m. Eastern Standard time and spoke to their representative who told me in no uncertain terms that my account had " no transactions ''. This is ON A RECORDED LINE. 

CoinBase has refused to accept responsibility for this misleading information. The FBI site clearly states that notification of fraud should be done immediately as time is of the essence. I was not given that luxury due to their misinformation. 

I want all the cryptocurrencies that were taken to be reinstated in my account exactly as they were prior to the theft. 

A company worth almost XXXX XXXX dollars should have phishing site prevention and URL monitoring of which they have none. Protecting their investors is clearly not high on their " to do '' list. Taking responsibility for lying to their customers is also not an imperative on their list. 

The evidence is clear. I have also been denied the ability to trade the stolen assets as they have diminished in value. This is clearly an injustice.
Product: Money transfer, virtual currency, or money service

Company : XXXX, a XXXX XXXX XXXX XXXX. 

Description of Complaint : I used XXXX 's prepaid card payment method to pay for a medical bill incurred on XX/XX/2023. This payment method resulted in a debit ( reduction ) to my bank account of {$200.00} on XX/XX/2023. 

On XX/XX/2023, I received a notification from XXXX that the prepaid card had not yet been processed by the medical services provider. I settled my bill using an alternative payment method, and contacted XXXX to request a refund. 

On XX/XX/2023 XXXX was opened in response to my refund request and I received confirmation that my payment would be refunded. 

On XX/XX/2023 I received a refund of {$200.00} in my checking account. Simultaneously with this refund, my bank account listed a reversal of {$200.00} on the same date. The net deposit, as a result of the reversal, was {$0.00}. 

On XX/XX/2023 I contacted XXXX customer support via telephone inquiring about the reversal. They opened XXXX. 

On XX/XX/2023 I was requested to provide a screenshot of the reversed refund in my checking account. I replied with screenshots of my checking transaction log, the original deposit ( including transaction reference number ), and the reversal ( including transaction reference number ). 

I have contacted XXXX on XX/XX/2023 ( the original inquiry ), XX/XX/2023, XX/XX/2023, and XX/XX/2023 ( the date of this complaint ) regarding the status of my refund. As of today, I have not been contacted by XXXX- only been informed that my case is in progress. 

See attached files for ( i ) refund request and approval by XXXX and ( ii ) most recent request from the Company, in which are screenshots of 1 ) My bank transaction record, 2 ) the refund deposit, and 3 ) the reversing transaction. I have confirmed with my bank via telephone inquiry that the reversal was initiated by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some items on my credit report that arent correct, and I would like them removed or deleted asap. Experian, XXXX, and XXXX are reporting XXXX accounts on my file that I dont know about. They arent mine, and are most likely fraudulent accounts. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like a proper investigation done asap on these accounts, and I would like them deleted asap.
Product: Credit reporting or other personal consumer reports

Good afternoon. XXXX is giving me a hard time regarding this situation identity theft. Even when I gave all the required documents.I checked my credit report and saw I have fraudulent accounts on my credit report. I did not authorize this and I don't recognize this account. This is being reported by a third party called XXXX XXXX XXXX for {$37000.00} and XXXX XXXX XXXX for {$330.00}.
Product: Mortgage

XX/XX/XXXX I submitted my payment for my mortgage online, On Monday it had still not cleared my bank. I called to make sure everything went through and they told me it had. 
2 days later they contact me and said it was declined by my bank for insufficient funds. 
I ensured them the funds have been there, because the first time this happened I was required to overnight XXXX XXXX payment to them, which is {$44.00} a transaction. 
The supervisor told me I need to either make more money or have less debt because there is no reason I should not be able to make my mortgage payment timely. 
I sent in screenshots from my bank where they state that the transaction was never attempted. 
They are refusing to let me pay online and requiring me to XXXX XXXX the money over to them monthly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracy of this account on multiple occasions for years. I have submitted concrete proof of school records that shows both of my children are in my care. XXXX has DELETED the account from my Credit Report but XXXX and EXPERIAN continue to violate my rights. 

Please be advised the inaccuracy and fraudulent reporting of the account below has negatively impacted my ability obtain credit and build a life for my family. Not only is it a deformation of my character but it incorrect and has been detrimental to moving my life forward with my wife and children. This account has stopped me from being able to purchase a home and a second vehicle for my family. You will also see with my childrens school records attached to this letter, that my XXXX children that are attached to this account have lived with my wife and I for most of their school career. Let the record reflect that their mother lived XXXX hours away from my wife and I, making her not regularly present in their lives. It was only when she decided she wanted to a mother again in XX/XX/2020 that she took me back to court to have the court remove them from my home and their school to place them back in her home. Let the record also show that my wife and I then relocated XXXX hours to ensure that our children remained together. My sons are now back in our home once again. This has been both an emotional and financial hardship for my wife and I as well as our other XXXX children. 


Account Name : OFFICE OF ATTORNEY GENERAL Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The error is being reported via CBI. I was not given an option of verification. The information is not accurate. I need the amounts and dates of the balance verifying this erroraneous info It seems this is an error.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am filing a complaint against ZuntaFi for the following reasons : 1. Unauthorized Transfer of Loan Agreement : ZuntaFi transferred my loan agreement to XXXX XXXX XXXX  without my knowledge or written consent, violating the Gramm-Leach-Bliley Act XXXX XXXX XXXX XXXX XXXX 

XXXX. Failure to Notify of Sale or Transfer : XXXX failed to provide advance notice of the transfer, breaching their fiduciary duty and violating their obligations under state and federal consumer protection laws. 

XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : ZuntaFi failed to ensure accurate reporting to credit bureaus regarding the loan transfer, violating the FCRA ( XXXX XXXX. XXXX ). 

XXXX. Breach of Securities Laws : If the loan was securitized, ZuntaFi failed to disclose this under XXXX XXXX XXXX ( XXXX XXXX ) and violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which prohibits fraudulent transactions. 

XXXX unauthorized transfer caused : - Emotional distress due to the lack of transparency and the uncertainty surrounding the debt. 
- Financial harm from improper handling of the loan and potential credit impacts. 
- Increased risk of identity theft due to the unauthorized sharing of personal information.
Product: Credit card or prepaid card

After realizing that my credit card was lost/stolen, and noticing fraudulent transactions on my account portal, I filed disputes with Capital One against multiple fraudulent transactions on my card. My card was used to run up almost {$500.00} in purchases across multiple days, and from what I can tell based on the merchant names this was done primarily at theme park locations in Florida- I live in XXXX, OREGON and have not been to Florida in YEARS, nor was I anywhere near there at the times of these transactions, I haven't so much as left my state since XXXX. 
Capital One did NOT do their job in investigating this dispute - literally the same day XX/XX/XXXX that they acknowledged the dispute and processed a provisional credit they claimed that I " benefitted from these transactions '' and reversed the credit, closing my dispute with no evidence or explanation whatsoever of their alleged reasoning. 
I clearly DID NOT benefit from these transactions in any way, nor did I know about them or authorize them. They are NOT my purchases, and I sure as XXXX will not be paying Capital One for them. There is no chance they did an adequate job whatsoever looking into these fraudulent purchases given the timeline of their supposed " investigation '' and had they done their job they would've closed this dispute in my favor, as these are very clearly NOT MY CHARGES. 
In their letters/emails to me Capital One didn't even include all the charges I clearly laid out in my dispute, so clearly didn't adequately file/process my full dispute/claim. 
The moment I found out about these transactions- which only occurred because I saw my billing statement, I was never notified this was occurring during the time of the transactions despite having notifications set up that should've alerted me anytime there was a purchase- I locked my credit card and secured my account. I mailed Capital One documents to file the dispute - since they don't offer a customer service email and I can not call over the phone as XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX- and very clearly outlined each unauthorized transaction, merchant name, amount, and date. 
If Capital One thinks they're getting so much as a penny from me they're mistaken - I will not be making payments on purchases I did not make, and I will fight them to the end of time until these are reversed/removed from my account, and will be disputing these with all 3 credit agencies as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt XXXX XXXX. I do not have a contract with that company. I have contacted XXXX andTransUnion regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.
Product: Credit card

CFPB capped late fees at up to {$8.00} dollars, American Express late fee is 100 %, I have {$16.00} dollars transaction on XX/XX/XXXX, due to pay on XX/XX/XXXX, then I see a late fee on XX/XX/XXXX is {$16.00} dollars, that 100 % late fee. Amex violated to much.