23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX or XXXX I updated my phone and saw XXXX XXXX had been downloaded and immediately notified me that two transfers had gone through successfully. One for {$95.00} and another for {$600.00}. I had never downloaded the app on my own nor signed up for it nor did I authorize two charges on it. The two charges went out to a XXXX XXXX XXXX XXXX XXXX CA ( $ XXXX ) as listed in the XXXX  XXXXChase bank. I tried to get a refund through XXXX XXXX but they told me they rarely happen and upon being rejected there I contacted Chase Bank only to have them repeatedly refund the money and then take it back. The two unauthorized charges were made on XX/XX/XXXX. 

During this time the person who had gotten my money reached out multiple times via text message and then by XXXX app, first to apologize for what they called an " ordering issue '' as they claimed to run some sort of online XXXX business and thought I had placed an order across their broken ordering system. I had not. The scammer then said they didn't have my charge/money in their system so I confirmed with XXXX XXXX that a transfer was made and then they promised a refund and to send me a package for my troubles. Neither happened. Then they attempted to scam me further with fake emails and text messages asking for money to release the package they claimed to be sending as an apology. I did not remain in contact or send them anything. I am guessing this happened because Chase initially issued a refund and the scammer wanted their . 

After some more detective work what I believe happened is a person attending a public event used some sort of phone IP cloning device giving him access to copies of people 's phones. I came across a XXXX XXXX  of about 8 people who were all at the same event and all had XXXX XXXX or XXXX charges from this same person, I too was at the same event. It also seems we were signed up for the XXXX XXXX via an XXXX XXXX that was using it as a point system pre-installed in a XXXX  register. Another similarity everyone in the XXXX XXXX had.
Product: Credit reporting or other personal consumer reports

I am filing to formally request the validation and verification of the above-referenced account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to my credit report, this collection account has been reported by MIDLAND CREDIT MANAGEMENT and I am disputing its validity. 

I request that you provide the following information : Validation of the alleged debt, including the name and address of the original creditor, and the details of the account. 
A full itemization of the amount owed, including interest, fees, or other charges applied. 
Proof that MIDLAND CREDIT MANAGEMENT is legally authorized to collect this debt.
Product: Mortgage

XX/XX/2021 we sent a payment of {$1300.00} to open an escrow account to cover property tax and insurance. as of this date the account is more than two weeks from being functional. 
Despite several telephone conversations assuring me that the mortgage company would now be responsible for those payments our insurance policy was cancelled for non-payment. This resulted in a new policy being issued at an higher rate. 
Today we received a final warning letter from Mega Capital Funding that there is no proof that we have hazard insurance and they intend to purchase a policy and bill us. 
We have several recorded conversations in which they state that the have everything they need and the escrow account will be opened and functional by a certain date. all the promised dates have passed ( the latest was XX/XX/XXXX ). 
After a long ( XXXX ) recorded conversation today, the next promise is that the escrow account will be all set-up by the first week in XXXX
Product: Credit reporting or other personal consumer reports

I havent acquired service from this company, I was XXXX at the time this account was opened.
Product: Credit card or prepaid card

This credit card is for dental care which has been completed. The balance on the card was {$1700.00}. I was sent a bill for over {$4600.00} on XX/XX/XXXX. I called Care Credit and made a payment of {$1800.00} on XX/XX/XXXX and they explained that my balance would be XXXX and I would not be charged any additional interest. I've contacted them XXXX times by phone and each time they stated that I would not be charged interest because I paid the entire balance on XX/XX/XXXX. My balance shows that I owe over {$2700.00}!! They are trying to take advantage of me because of my age and never told me about any additional interest. I've been making all the payments each month and have paid the remainder ( which was {$1700.00} ). I paid {$1800.00} on XX/XX/XXXX. They said that would cover the entire remaining balance.
Product: Debt collection

Convergent Outsourcing s is trying to collect on a debt from " XXXX '' for {$730.00} from me. I have never done any business with XXXX XXXX XXXX or XXXX XXXX XXXX  in my life. I've reached out to Convergent XXXX and XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe XXXX XXXX XXXX  or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against XXXX XXXX and XXXX for violating my rights under the FRCA.
Product: Credit card or prepaid card

I made m first purchase using my XXXX Credit Card from XXXX XXXX on XX/XX/XXXX and proceeded to make a payment the same day. I got an email confirming the payment was processed. I tried to use my card again on XX/XX/XXXX and found I was unable. I had an available credit limit still of over {$1500.00}, so I logged on to the website check my balance and it said my last payment had been returned. I immediately made another payment. I noted the return was on the same day I received a confirmation email. I called XXXX XXXX because I had more than enough funds in my checking account to cover the payment that was returned. The person I spoke with told me there was an issue with " locating '' my bank account. I asked why no one let me know. I never received an email or phone call, it seemed like an easy fix. I also let him know that I had just made another payment using my same checking account information and would that also be returned. He assured me the payment had gone through and the information was good. So, I did n't understand what the original problem was. He also told me he could not refund the returned payment fee but that my new payment had gone through. 

I 've been checking my bank account to see if the charge had cleared and it had not. So I went back on the website for the credit card and again, I had another returned payment and another fee. I also have another email saying my payment had been processed. I have now been charged {$50.00} in returned payment fees and my account is not up to date. I want to know why I was never contacted when my payments did n't go through. I also want to know why when I called the bank and spoke to someone I was given misleading information regarding my account. I want the charges reversed and I made good faith effort to pay this bill on more than one occasion.
Product: Credit reporting or other personal consumer reports

Thefollowing obtained my information, phone number all e mails from the XXXX XXXX XXXX  breach Continental finance companyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX celtic bank - XX/XX/XXXX I called contineltal/ celtic bank they said they removed my information but yetstill on file i never applied for anything with them, I have changed user and PW with XXXX XXXX, but this needs taken off profile too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX...
Product: Credit reporting or other personal consumer reports

i went to get a new car and the dealership put too many inquiries on my credit 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: Checking or savings account

This is my second complaint on same one issue. 
This is XXXX XXXX from XXXX. I opened a business checking account at Bank of America at XX/XX/XXXX for my company-XXXX XXXX  XXXX XXXX. 6 month ago, at XX/XX/XXXX, this account was closed by BOA with the saying of business decision without alerting me. But before it was closed there is still some balance inside. I called BOA service hotline almost 20 times for re-open my account and getting my money back, but BOA told me that it is impossible to re-open my account.As for the balance, BOA always say it is under process. For me, it is unacceptable that BOA has always been blocked my balance without returning to me as it is my private estate which is protected by USA laws.

During last complaint, one guy from BOA Legal Department emailed me but not answer any my question.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is stating that I have a write off account from XXXX. To date I have never received any bills or letters from Capital One. I had an installment loan with Capital One 60 month installment loan with Capital One in XXXX. Upon making my what I thought was a final payment there was still a remaining balance. I questioned this balance and Capital One sent me all of my statements. During this process, Capital One advised that I did not need to make a payment since I was disputing and it would take several weeks to provide the statements. I received my statements in XXXX of XXXX. I contacted Capital One in XXXX and the representative could not understand as well. I paid the final payment over the phone {$830.00}. At this time because I did not have any other options and did not want my credit to be impacted I assumed this had been resolved, Upon checking my credit report years later I discovered a late payment on my credit report from XXXX. I disputed this with XXXX  and as a result of my dispute late payments started being reported in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. I reached out to Capital One who started I did not pay my final payment in XXXX. I do not have any billing statements to support this from Capital One and this does not explain why they are reporting late payments when I have not received a bill. Capital One is ignoring my request and violating my rights as a consumer to have an accurate credit report. 

I have attached copy of bank statement which shows Capital One agent processed payment was withdrawn from my account on XX/XX/XXXX I have also posted a document which shows m payments were auto withdrawn. I have also posted response to my inquiry to capital one about the late payment in XXXX. I have also attached a letter from Capital One which references late payment in XXXX but does not mention any write off.
Product: Credit card or prepaid card

CC card was approved on XX/XX/XXXX. 
Received the card on XX/XX/XXXX or XXXX. Registered my online account and activated the card per the instructions ( capitalone.com/activate ). Put the card in my wallet for use. 

XX/XX/XXXX, about XXXX, attempted to use the card at my pharmacy. Denied. Called Captial One when I got home. They asked for the last 4 of my SSN,  my birthdate, and if I recall, my address. They would not tell my why my card was denied and insisted for " security purposes '' that I take a picture of my drivers license with my phone and send it to them. And I could NOT blank out any of my DL #. NOTE : I have NEVER had a financial institution ask me for this for a credit card before nor AFTER approval which this is. Having had my identity stolen by leaks at companies, I was not giving them the entire keys to my identity. 

I tried to go online and they locked me out of access online. I called again and he offered to send my cell phone a text message to verify it is me. Much better. I have this with my XXXX XXXX, banks, several companies. They also include option to send it to my registered email. Capital One could not get it to text me. So he told me the only option was to send my DL. 

I requested to close my account and they said they have to talk to fraud. I called them and they refused to close the account. They wanted some info on my issue and I outlined the info above which I provided and said this is a form of fraud and I'm filing a complaint. He then wants to argue and tell me it's not and my claim is my opinion. 

I call back and get the same message as above. I told them I talked to fraud and they wouldn't do anything. He said it is the only way to get it done. I ended up in Security who of course wants all this detail yet again. He tries to talk about " security. '' CapitalOne doesn't know about security. Me NOT providing all the keys to my identity like giving my full DL with number displayed secures " ME ''. I finally get movement toward closure ( of an account that I can't use btw ). Interesting that they said they will close the account after verifying me ( asks for last 4 of SSN, DoB, ... ). So, did you catch that? He verified me so now he can close the account but can't fix the account. XXXX?!! He reads a long script that does not apply to me since I was never effectively a customer. I told him I don't want him to just close the account, I want my information 'deleted ' from their systems and confirmation it is done sent to me. He said he would do that. When he later tells me the account is closed and I will get notice in 7-10 days, I stopped him and said, " no, no, no, I want my information deleted. '' He came back and said they are required to keep my information for credit reporting. I asked for them to cite where that is a legal requirement. They could not. I went so far as to tell them delete my SSN and DoB. Keep my address so you can send me the letter of deletion. But they better not send me marketing or anything else not related to deleting my information.
Product: Credit reporting or other personal consumer reports

I want to dispute fraudulent accounts on my consumer report that you have failed to delete. I request an reinvestigation and permanent removal of the inaccurate accounts in accordance with the Fair Credit Reporting Act ( FCRA ) section 611. I'm also requesting verifiable proof, a contract with my signature accurately showing this account belongs to me and how it was verified. Immediately remove these inaccurate account from my consumer report due to violation of my consumer rights under 15 U.S.C 1681a XXXX XXXXXXXX XXXX : Account Number : XXXX XXXX XXXX XXXX- Account number XXXX
Product: Money transfer, virtual currency, or money service

I informed him that I have missing money coming out of my account and it goes to the means to tell me that its a XXXX XXXX card hooked to my account and I dont have or own a XXXX XXXX  or even allowed to have a XXXX XXXX account so how did debt card get there? They goes to tell me that They see that it was no error in my account due to the fact of some issue with the IP address but like I said, I have no XXXX XXXX account so why would there be a XXXX XXXX  card receiving payments out of my account with that being said two transactions was retrieved the amount of {$400.00} in the amount of {$420.00} because they were pending and I caught them in time And the other transactions I did not authorize and I also informed them that I did not have a XXXX XXXX  account
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts 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

Showing an account by the name of XXXX XXXX which has been settled and should Be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX  are fraudulent on my following accounts : USDOE/XXXX  is fraudulent on my credit Account # XXXX US DEPT ED is fraudulent on my credit Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS ALERTED WITH NUMEROUS OF ALERTS FROM Y CREDIT PROFILE THAT SOMEONE HAD RAN MY CREDIT! CAPITAL ONE AUTO FINANCE WAS JUST ONE OF THE SEVERAL THAT I DID NOT AUTHORIZE. ALL OF MY LOANS ARE THROUGH MY CREDIT UNION XXXX XXXX. 
THERE WAS ALSO ONE FROM XXXX BACK IN XXXX THAT I DID NOT AUTHORIZE. I ALREADY HAD A CARD WITH THEM THAT I WAS APPROVE FOR BACK IN XX/XX/2021. 
XXXX ON XXXX XXXX WAS RAN TWICDE ON MY CREDIT. I WAS ALREADY APPROE WITH THEM A DAY OR TWO BEFORE WITH XXXX XXXX XXXX.
Product: Credit card

We have a XXXX XXXX XXXX credit card with Chase Bank. In XXXX of XXXX my family took a trip to XXXX XXXX. Upon returning we got our XXXX credit card statement, and all charges were verified. The next month we received our XXXX credit card statement and in the middle of the XXXX charges was a charge with a post date of XX/XX/XXXX in the amount of {$7000.00} from a company called XXXX XXXX XXXX in XXXX XXXX. We disputed this charge with Chase. We were told by Chase that the charge was legitimate because it was a chip read transaction. We asked Chase for information about the vendor but the information they gave us did not direct us to any vendor that we did business with. We challenged Chase about this transaction for several months until Chase closed the dispute and started charging us interest for the amount. Chase also reported us to the credit rating companies. In XX/XX/XXXX we asked an attorney to send a letter to Chase requesting they fix this error and refund our money, but we have yet to get a resolution.
Product: Debt collection

I found out about a collections account through my credit report from a Waypoint Resource Group. I have never received any notice in the mail, email, telephone, etc. about this debt. The debt is from XXXX XXXX. I have not been a customer of either of the two companies, and I have never entered into any written or verbal contract with Waypoint Resource Group. There should be no debt owed on my part in this situation, which is causing adverse reactions on my credit file and preventing me from obtaining credit.
Product: Debt collection

Hi my name is XXXX XXXX Please help me! 

I am confident that the Consumer Financial Protection Bureau will be able to resolve this issue. I have a collection on my Credit Report from LVNV Funding LLC the original Creditor is XXXX XXXX. I sent LVNV Funding LLC an Affidavit ( Statement Of Fact ) that was notarized sent certified mail with a delivery receipt. To Verify and or Validate the debt they say I owe. I have attached the Affidavit I sent LVNV Funding LLC. I have listed the Violation in the following Statement below : * I sent LVNV Funding LLC an Affidavit ( Statement Of Facts ) to Validate this XXXX XXXX  debt they say I owe. LVNV never responded to my Affidavit and I have attached the affidavit for your viewing. They sold are assigned my debt to another Collection Company. This transferring of unverifiable debt to another collection agency without validating the debt is a violation XXXX My 2nd issues is if LVNV Funding LLC who is reporting this debt on my credit report. Plus claiming they own the right to this debt. So, why are they refusing to validate this debt?

* 3rd issues is that I received a letter from XXXX XXXX XXXX trying to collect on the Same debt LVNV Funding Services LLC refused to Validate. XXXX XXXX XXXX is also claiming in their letter that they are collecting the debt for LVNV Funding LLC, but LVNV Funding LLC refused to Validate the Affidavit of dispute of the debt I sent them. 

If LVNV Funding LLC can not Validate the debt. How can XXXX XXXX XXXX Validate the Debt? These Collections Companies that are using these illegal tactics of not validating a debt then transferring the debt to another collection company that is a violation of the FDCPA. 

Why, didn't LVNV Funding LLC Notify XXXX XXXX XXXX that I XXXX XXXX requested the validation of the debt before transferring the debt? The FDCPA requires a cease of all collection activity until the debt is validated. But LVNV Funding and XXXX XXXX XXXX are trying to manipulate the FDCPA. By LVNV Funding LLC. transferring the debt to XXXX XXXX XXXX but, having XXXX XXXX XXXX collect the debt for LVNV Funding LLC without validating the debt. These are Major FDCPA Violations. 

Please investigate these illegal tactics and violations these 2 collection agencies are involved in. 

Thank you for all your help.
Product: Checking or savings account

XX/XX/XXXX my JP Morgan Chase Bank XXXX account was hacked and {$2000.00} was wire transferred to a XXXX XXXX XXXX of XXXX PA in a XXXX XXXX Bank account. This transaction was followed by another wire transfer from my account for an additional {$10000.00}. When I checked my account on the XXXX of XXXX I was blocked and immediately drove to my Chase branch in XXXX WA where I discovered that my account had been compromised. At no time did Chase alert me of this transaction via email, phone or text. They didn't put a customary hold on the funds to verify the legitimacy of the wires. They did accuse me of " benefitting from the funds '' and denied my claim. They said I must have given control of my computer to a third party and provided my account information, pins, etc. I was incredulous. I have never wired from this account. I have never given my information to a third party. I have only let XXXX XXXX support take control of my computer, I witnessed what they did. After this incident I purchased XXXX XXXX 's security system and watched them install new software to further protect me. According to the FDIC Electronic Funds Transfer Act of XXXX, Chase Bank should be responsible for the protection of my deposits.