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

I received a string of emails from Bank of America on XX/XX/22 with the following subject lines : " Verify your email address '', " Online Application is in Progress '', " Your application was approved '', Welcome to Online and Mobile Banking '', and " Your email address was updated ''. All of the emails were received within 7 minutes of each other. I never applied for an account with BoA, so it appears someone has opened an account in my name. 

I have called BoA and been transferred through several fraud departments. So far, no resolution has been achieved.
Product: Money transfer, virtual currency, or money service

I receive a phone call supposedly from Citibank Fraud impersonating the bank and stating there was a fraud happening in my account I was under impression that it was a follow-up due to there's is a case already opened. After we disconnected the call, I received an email stating there was a wire transfer sent that I don't recognize. I contacted my bank right away and was able to freeze my account. The first wire was not stopped and able to send out {$1200.00}. I have a case number from Citibank Fraud Wire Dept. I was advised to file the Police and FBI report which I had done. I followed up with my bank and was told that they can't help me with getting my money back due to money was already sent. My complaint was denied. I was advised to seek someone to help me. Requesting help.
Product: Credit reporting or other personal consumer reports

I was declined by XXXX for a business credit card. I am logged onto my FICO and have a premier account shows all of my scores. 

Experian is reporting my credit score is XXXX. When checking all of data on my FICO score it shows current to date my credit score is XXXX. 

I made contact with Experian to have a copy of my Credit report sent to my home. However, I tried to pay for a copy of my FICO score and was denied access to the information. 

I want Experian to explain on this platform what is : Amount of credit utilization Serious deliquency -- -- -what is showing that is deliquency Proporation of balances to credit limits too high on bank revolving or other revolving accounts Proportion of loan balances amount is too high
Product: Debt collection

Kohls for almost XXXX when they denied me for their credit card then sent me a letter in the mail months later with a huge bill I did not use or make
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted Wells Fargo due to a fraudulent account being reported on my XXXX  credit report. I have disputed this account several times. I asked Wells Fargo to provide me with account open date etc. they never provided me with any information pertaining to fraudulent account in my name.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 
I provided proof and a police report that I was a victim of identity theft. I sent this information to Equifax, XXXX and XXXX. 



XX/XX/XXXX The companies stated the checked public records and validated the information was correct. This person or persons used my address, social security number and date of birth so that info would be correct and the credit companies did not resolve this issue nor did they do any investigation.
Product: Payday loan, title loan, or personal loan

company threatened wage garnishment / called my employer while on XXXX leave. excessive phone calls / extremely rude to me / I want a cease and desist put on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a handwritten letter on XX/XX/XXXX regarding fraudulent hard inquiries that were posted on my account to all three Credit Bureaus. 

I put them on notice having understood they have violated 15 USC 1681 ( B ) As I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions. Both together and separately my consumer and privacy rights are being violated. I demanded that my account be cleared of the following hard inquiries within my initial communication. I reminded them that it is the duty of the bureaus to accurately report information which as of now is not being done. 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX INQUIRY XXXX XXXX XX/XX/2022 XXXX INQUIRY TRANSUNION is still holding these inquiries on my account as of XX/XX/2022. 
As the consumer, I have been injured due to TRANSUNION 's willful noncompliance. They received my letter on the XXXX of XXXX and I gave them 10 days to take action and nothing has been done.
Product: Debt collection

I have a police report as my identity was stolen in XXXX and I was affected by the XXXX XXXX data breach. I have residential leases ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), evictions in XXXX XXXX XXXX  , credit cards , personal loans, and addresses on my credit report that do not belong to me and were made without my consent. I have collections and debt from XXXX - XXXX from this identify theft situation. I also have a FTC report stating a more detailed version of this incident. I have contacted the agencies involved and disputed items on all 3 main bureaus. Some of the accounts are joint and I know for a fact that they are not involved because their identify was also stolen as well with mine. I do not know the person that broke into my vehicle to gain access to our personal information as several people were affected ( they broke into several cars in the area ) and also my emails, social security number, and personal information were affected and compromised by data breach. Our security cards, driver 's license, my passport, mail, purse, wallet, and personal devices were all stolen in the break in.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$10000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

This is the second time this debt hit my credit score, below is a copy/paste which summarizes what transpired. Looks like XXXX decided to hire a new collection agency even though they acknowledged the debt is not real. The new collection agency ( Amsher Collection SE ) has not called me but has made a negative statement which hurt my credit. 

" This debt was the result of a double billing error from an old XXXX  Internet account. On XXXX/XXXXXXXX, I spoke with XXXX of XXXX, who confirmed that this was a double billing error and it will be removed. XXXX gave me the number for XXXX XXXX ; I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( Ticket # XXXX XXXX XXXX ) and I was told that the amount would be taken out of collections. Despite all my attempts to resolve this double billing error, XXXX XXXX XXXX continues to report this false delinquency on my credit report, they have contacted me by phone, and send me e-mails demanding that I pay a debt which they have acknowledged to be a double booking error. XXXX XXXX XXXX has caused emotional and financial damage due to my lower credit score ( which affects my interest rates ) and the stress that comes from receiving false collections requests. ''
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Capital One, N.A., regarding their deceptive and unlawful practices as highlighted in the recent CFPB lawsuit. I am seeking financial relief of {$5000.00} from the victims compensation fund due to the harm I suffered as a result of these fraudulent and deceptive acts.

The Financial Impact Due to Capital Ones deceptive practices, I suffered financial losses estimated to be over {$5000.00} in missed interest earnings. Had I been informed about the higher-yielding 360 Performance Savings account or been automatically transitioned to it, I would have earned competitive interest in alignment with national rate increases. Capital Ones unlawful conduct directly impacted my ability to maximize my financial returns.

Grounds for Relief I believe that my experience aligns with the allegations outlined in the CFPBs lawsuit against Capital One, which states that the bank intentionally misled consumers and failed to meet its legal obligations under consumer protection laws. Specifically, I am seeking relief for the following reasons : 1. Deceptive Marketing and Lack of Disclosure : Capital One failed to notify me of the introduction of their 360 Performance Savings account, depriving me of the opportunity to earn fair interest on my savings.

2. Unjust Enrichment by Capital One : The bank benefited financially at my expense by withholding critical information about better financial products. 
3. Violation of Consumer Rights : Capital Ones practices violated my rights as a consumer by engaging in fraudulent and deceptive behavior.

Requested Relief I respectfully request the CFPB to review my complaint and grant relief of {$5000.00} from the victims compensation fund. This amount represents the financial harm I suffered due to Capital Ones deceptive practices, as well as compensation for the distress and inconvenience caused by their unlawful conduct. 
I am attaching supporting documents to substantiate my claim, including account statements, transaction history, and correspondence with Capital One ( if applicable ). Please let me know if additional information is required.

I trust that the CFPB will consider my complaint as part of its ongoing efforts to hold Capital One accountable for its deceptive and unlawful practices. I appreciate your time and attention to my request and look forward to a resolution that ensures fairness and justice for victims like myself. 
Thank you for your assistance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was put on my credit report and I would like it removed immediately as it is affecting my scores and future outlook.
Product: Credit card or prepaid card

I purchased clothing from an online store and they were not as advertised, bogus and very poorly made. I contacted the merchant and they agreed to refund me in full once the items were sent back at my expense. Everything was mailed back and delivered to merchant in XX/XX/2022. Tracking number confirmed that the package was received by the merchant, however they are refusing to refund my money. I contacted the credit card company and started a dispute. They requested the receipt of mailing and delivery confirmation which I uploaded, they gave a temporary credit but reversed it stating that the company disputed the chargeback. The credit was again credited after additional info was received, but then reversed again. Capital One then suggested that I contact the merchant. I contacted the merchant via the only means they provided ; ( XXXX  ) or ( XXXX ) and was told that I turned on the chargeback and that the money is blocked by the bank. I was again told to wait for an answer to my appeal from the credit card company. I contacted the credit card company and they on two conversations confirmed that they are not interfering with the refund transaction. I can only contact the merchant via email and I keep getting the runaround from them. They received their items since XXXX XXXX, XXXX. The items total {$200.00}. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams IDs frauding my documents and medical record of birth certificate long form of Md XXXX and doctor XXXX XXXX scams IDs and accounts frauding my XXXX country Indiana using XXXX XXXX scams IDs and business using my grandma documents of XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX Indiana XXXX scams frauding my XXXX XXXX scams frauding XXXX and XXXX Indiana using XXXX IDs and XXXX IDs Frauding scams using XXXX Frauding scams using school permit and teaching staff and books and books authors and school sports Frauding scams IDs using racing teams and XXXX XXXX and XXXX and XXXX XXXX and XXXX California mall
Product: Checking or savings account

XX/XX/year> - Tried withdrawing {$3100.00} from Apple savings account. Transaction failed error populated after numerous attempts. Called Apple Card and spoke with savings department. A code was sent via text which was supposedly used to verify account. After repeating code to agent, I was told the account had been verified and that the transactions would be accepted after two hours. It's been 12 hours and a new calendar date, and I am still dealing with the transaction failed error. I planned to purchase a new laptop to get started on a project which is time sensitive, and this entire fiasco is holding me up. 

XX/XX/year> - Spoke with Apple savings through text chat and over the phone to see if there was a different outcome. The outcome was the same. I was transferred to 5 different agents which gave me the run around. I was told the case had been escalated and I will receive an email or contact when it was resolved. No specific time period or any contact to follow up with. Completely unprofessional and unsensitive to the inconvenience their product. Called Savings department and requested to speak specifically with their specialized team in security of the savings account. Sent me a text code to verify the account and was told to retry the withdraw request. Transaction failed again. No one seems to know hat they're doing in the department. They operate with a blase attitude when they can't resolve the issue. I want access to my money immediately. After being placed on hold after numerous unsuccessful attempts by the agent, I was told there was a " error with apple cash '' all of a sudden, and I should try withdrawing to an external bank which will take at minimum 1 - 3 business days. It's a Friday. I need immediate use of my money which is a marketed service of Apple savings by use of Apple Cash. This has been one of the worst experiences I've ever had dealing with a financial institution. Withdraw to external bank is currently labeled " in progress ''. We'll see how this goes.
Product: Payday loan, title loan, or personal loan

In need of a transmission repair for my pick up I went to the local Transmission shop and could not afford transmission salesman referred me to try to get this loan through XXXX XXXXXXXX  or duvera billing. After making payments for almost 18 months after at what the company told me would have me paid off at 24 months I checked the principal balance and it was more than the initial loan amount. Then after calling someone I was informed there was 133 % interest compounded daily essentially making it impossible to ever pay the loan off if you dont have XXXX in hand. This company is taking advantages of mid to lower class individuals. Second too this scam but no lesser evil XXXX XXXX XXXX XXXXXXXX XXXX did the repair on the transmission with a limited warranty of 18 months within less then 6 the seals blew on my way to work with all my tools in truck leaving me stuck in the rain having to rent a vehicle to fulfill contracts that were scheduled and had to pay for the tow as well and any hard parts according to them. To this day that transmission has not been right and they know it not to mention cutting exhaust hangers and leaving them in welded back. These people should be disgraced.
Product: Debt collection

I am here to inform you that I have no debt obligations with you all and you are in violations with 15 USC 1692 c-i, FDCPA, and TCPA. I am attaching documents to this email support my claims.
Product: Debt collection

Hi my name is XXXX XXXX, and I signed up for Synchrony bank through Amazon to make a purchase of {$88.00} on XX/XX/XXXX and was never issued a credit card by mail. Without the card I was unable to sign into my account with Synchrony bank which ended in XXXX. I was unable to log on to my account until yesterday, XX/XX/2023 and I paid off my debt. My credit score went down and my Synchrony account shows that I made the payment but they are still demanding {$44.00} and saying that my account is delinquent. I have been getting harassment calls every single day since XXXX about making a payment and still got a call this morning even though my payment was processed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - - Credit card XX/XX/XXXX Closed Balance {$18000.00} Status Account charged off. {$18000.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Balance {$1100.00} Status Status updated Account charged off. {$1100.00} written off. {$1100.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit Card XX/XX/XXXX Closed Account charged off. {$4400.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$2600.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$40000.00} written off. {$40000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$26000.00} written off. {$26000.00} past due as of XX/XX/XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX - - Home Imp Loan XX/XX/XXXX Closed Account charged off. {$20000.00} written off. {$20000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXX - - Unsecured XX/XX/XXXX Closed Account charged off. {$12000.00} written off. {$12000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Line of Credit XXXX XXXX, XXXX Closed Account charged off. {$7300.00} written off. Status updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$5800.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - - Credit card XX/XX/XXXX Closed Account charged off. {$9300.00} written off. {$9300.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit BureauXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non speciXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Bureaus XXXX XXXX XXXX XXXX  TX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non speci, c XXXX XXXX XXXX XXXX, NM XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am writing this statement on my own behalf in regard to the information on my credit files. Fraudulent applications were submitted under my name or my identity without my consent to obtain goods or services. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries on listed in this report and on my credit file. I reported the theft to the Federal Trade Commission, and I have also enclosed copies of the FTC identity theft affidavit. I am requesting that the following items on this report be deleted immediately. The following inquiries I need to be deleted are listed in the report and attached to this statement : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing items reported to my credit report already and the accounts have not been verified accurately and deleted even after investigations were done. The following accounts are reported to my credit reports inaccurately after complete investigations by credit reporting agencies : 1. Account number - XXXX : Fair Collections and Out Balance : {$5900.00} Original creditor : XXXX The XXXX XXXX  Reported : Dispute investigation completed on XX/XX/2023 ( credit karma ) In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. XXXX5 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : if also states a consumer reporting agency can not furnish an account without my written consent. 

2. Account number - XXXX : XXXX XXXX XXXX : {$470.00} Reported : XX/XX/2023 In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

3. Account number : XXXX : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$360.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX ) In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 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 : if also states a consumer reporting agency can not furnish an account without my written consent. 

4. Account number : XXXX : XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$170.00} Reported : Dispute investigation completed on XX/XX/2023 ( XXXX XXXX  ) In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 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 : if also states a consumer reporting agency can not furnish an account without my written consent.