23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX, XX/XX/2022 I received a text from Capital One regarding a suspicious charge on my account from XXXX XXXX XXXX  for {$29.00}. I responded to the text message that I did not authorize the charge. Capital One stated they would stop the use of my card, great. 

This evening I went online to dispute the previous charge from them on XX/XX/2022 for {$15.00}. This was a purchase I made for a XXXX XXXX Drone I saw on a XXXX XXXX  Clearly it was a scam after all. When I track the purchase I made on XXXX it just says XXXX with no additional details. Again, clearly this is a scam. 

The rep on THREE separate occassions referred to this fraud as a " promotional strategy ''. I tried to be patient with the rep for so long on the call. The only reason I called was to get a new Credit Card. I kept getting the run around by this person and Capital One 's rep continued to defend the scammer calling it a strategy until I flipped out over the phone and told her no, its fraud. It's not an ad, its fraud. Fraud scam theft you name it, its fraud. I told her I needed a new card and for whatever hold is on my account to be removed so I can dispute the {$15.00} from XX/XX/XXXX on my card. She continued to speak in a way that does not get me close to the resolution. I asked if the call was recorded, in which she said yes. Great and I hung up.
Product: Checking or savings account

I opened the a savings account online with Chase bank and funded it ( {$300.00} ) within the minimum time frame to avoid a monthly fee. However, for the last three months, Chase has assessed a {$5.00} maintenance fee. I've had to call them to get it refunded only to be charged the following month as the average daily balance was not {$300.00}. The average daily balance was NOT {$300.00} because of the fee assessed incorrectly by Chase. This is an endless cycle. I'm assured every month it won't happen again but yet is continues.
Product: Debt collection

I was contacted on XX/XX/XXXX by a representative from Columbia Debt Recovery LLC by phone claiming I had a debt that was placed into collections. The debt was for a total of {$12000.00} for rental charges from an organizational named XXXX. This debt was based in XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
I identified that this could not be accountable to me, as I have never resided in California, nor had any financial connections to California. I currently reside in Hawaii, and have done so for the duration of the debt identified. I also have had my credit locked during the identified time through XXXX. I emailed the following statement to Columbia Debt Recovery : XXXX XXXX XXXX Columbia Debt Recovery XXXX XXXX XXXX XXXX, WA XXXX Re : XXXXAccount # XXXX Dear debt collector, I am responding to your contact about collecting a debt. You contacted me by phone, on XX/XX/XXXX and identified the debt as {$12000.00} ORIGINAL CREDITOR : XXXX PLACED FOR COLLECTIONS ON : XXXX I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX
Product: Debt collection

COLLECTOR FAILED TO VALIDATE, CEASE COMMUNICATIONS AND IGNORED CEASE AND DESIST ORDERS AND WENT ON MY CREDIT REPORTS ANYWAY. 
HELVEY HAS VIOLATED THE DOOD-FRANK ACT AND NOW WILL BE SUED IN CLASS ACTION EFFORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mixed file on my report Bankruptcy, Not Mine. 

I have a 30 day late on my XXXX XXXX Account, I was never late.
Product: Credit card

Im being charged interest on a credit card that was paid in full on XXXX. How am I being charged interest on a restricted account that was paid in full?!
Product: Credit reporting or other personal consumer reports

I have reach out to transunion and received no response, The accounts listed below are not my accounts Im asking for removal. 
XXXX # XXXX {$560.00} XXXX. acct # XXXX {$960.00}
Product: Debt collection

I had lawyers that were supposed to have been representing me file that the information was wrong and proved it was and you REFUSE to take it off. IT IS NOT ACCURATE as they say I paid XXXX XXXX and XXXX which I did not and they have CLLSED this account 3 times. I HAVE ASKED for original date of default and I haven't gotten it. This account is being fraudulent and reporting false information and I want it removed. This is not right and I am NOT given a valid reason as to WHY nothing is ever done when if you look at my account and I sent pictures I clearly is being reported everything I have said and proven and yet you still say that information is valid and you do nothing. This account is over 8 yrs old it has been charged off and closed more than 3 times but continues to hurt my credit. I have had lawyers and I have tried on my own. I'm not going to stop fighting this because what you are doing is wrong and violating my rights. I have more than proven there is false information on my account to have it removed as it should be when things are wrong and I've asked to have them removed. This debt is over 8 years old had i bankrupted it wouldn't even be on my account anymore. Yet this company is allowed to falsely say I paid in months I didnt and say I was current and then close account in the same month, then report back the next month I am late when the account has been closed and reopened going on 3 times. All this time lowering my credit scores and hurting my credit, because they are allowed to keep a closed account active saying payments were made when they weren't to turn around and say after that I was late again and hurt my credit. I am not going to stop fighting this, this is wrong and the agencies are discriminating against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Bank is sending incorrect info to third party apps and wo n't even send a daily update.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am writing to bring to your attention a matter of utmost urgency concerning my credit report. It has come to my notice that there has been a case of identity theft affecting my credit profile, and despite my efforts to rectify the situation, there seems to be a lack of action on your part. 

Upon reviewing my credit report, I identified unauthorized transactions and accounts that do not belong to me. I promptly reported these discrepancies through your Experian, XXXX, and XXXX 's dispute resolution process on XX/XX/2023, providing all necessary supporting documentation. 

Regrettably, I have not witnessed any significant progress in resolving this matter, and it raises concerns about the efficiency of your identity theft resolution procedures. I would like to remind you that, under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to a fair and timely investigation into any reported discrepancies on their credit reports as well blocked and the removal of any fraudulent accounts due to identity theft. 

I believe there might be a violation of credit laws in the handling of my case. I urge you to investigate this matter with utmost priority and transparency, ensuring compliance with all relevant laws and regulations. Additionally, I would appreciate regular updates on the progress of the investigation and the steps being taken to rectify the inaccuracies in my credit report.
Product: Credit card or prepaid card

I made a payment on time to my XXXX XXXX on time on XX/XX/XXXX. I authorized XXXX  to charge from my XXXX XXXX XXXX XXXX checking account, which had sufficient fund at that time. But in reality, XXXX  tried to charge me from my saving account, which didn't has sufficient fund. Thus, it caused a {$27.00} penalty fee on XX/XX/XXXX. My checking and saving account has exact the same account number. Moreover, they didn't inform me this situation on time, just sent me an physical mail. When I noticed this, it was after 7 days. So they charged me again for another {$27.00} on XX/XX/XXXX. The thing which made me unhappy was that they didn't admit that they charged me twice even I asked my bank associate to speak with the representative directly. Definitely my bank and myself do not have any fault about these charges. XXXX  didn't recognize the source of payment and charged me twice for the unreasonable reasons. They asked me to fax proofs from XXXX XXXX XXXX XXXX to show them that the saving account and checking account share the same account number and prove I was charged twice. I have included the proofs on the attachment.
Product: Debt collection

I have a debt for XXXX of {$2400.00}. I reached out to XXXX  several occasions to verify transactions. XXXX never responded. I worked out plan with XXXX to pay off debt, and XXXX never reached out to me with no calls no emails, nothing stating that they were w3illing to work out anything. Received summons Index No XXXX from XXXX XXXX XXXX, XXXX Attorneys for Plaintiff. XXXX XXXX XXXX XXXX, XXXX, NY XXXX. I never received any notification from any parties that a suit will be filed against me. No calls, no emails, nothing in writing. I want to file a complaint against the law3 firm for using these scare tactics. Also I was never handed a paper. The summons was placed on the door of my neighbors home.
Product: Credit card

My credit limit was increased without my knowledge or request. I never opted-in or was informed of this policy. This creates a situation where additional charges could be made on my account by someone who has stolen my financial data. It can affect my credit score. 
In addition, the information available to the customer online does not accurately reflect recurring payments pending. The payment is n't posted for XXXX hours and because the customer does not see it listed as pending, the customer may wonder whether or not it is being processed. This would not be of great concern except that the interest could increase by as much as 20 % if XXXX payment is past due. The customer is allowed to schedule payments on a date other than the due date, but if they do so, it may prevent a recurring payment from being processed for the upcoming due date. A customer has no way of knowing this until after the payment is not processed. Because of this, an extra payment on an account may cause unexpected results. The recurring payment agreement can only be seen on the paper bill or by downloading a copy of the paper bill. 
This all seems like an effective way to confuse a consumer enough to miss a payment allowing the increase of interest applied to the original balance of the purchase. 
If online accounting and bill payments are allowed, all activity should be listed clearly under XXXX report or statement. Instead, there are XXXX different " summaries '', " reports '', " history '', or " statements '' none of which reflect all current, scheduled, pending, or past activity. I have never seen such a mess of accounting from any bank or credit card.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

On XXXX XXXX XXXX XXXX called Discover Card services, using my name and social security number without my permission, requesting changes to my Discover Card account. 

XXXX requested a limit change. 

By doing so, the balance was changed from {$5000.00} to {$1800.00}. 

Discover allowed this malicious person to make changes without verifying any information to confirm my identity.
Product: Debt collection

An Affidavit of truth, Cease and Desist notice and a bill of particulars was received by NCB Management Services addressed to XXXX XXXX by certified mail on XX/XX/2021, these letters were in response to NCB Management Services numerous abusive emails being sent to my personal email from the past several months in which I never authorize NCB to communicate with. These deceptive and abuse emails were demanding {$20000.00} from me and at one time it was lowered to {$4000.00}, which appears that this company wants any amount of money I can give to them. I consider that a form of extortion. This company has parked this alleged debt on my credit reports without my knowledge of this debt. XXXX XXXX or NCB Management Services has NEVER verified a contract between myself and NCB for any amount of money nor any ledgers or accounting for this alleged debt has been presented to me. I have received more than 7 abusive emails, and as a consumer I discovered numerous violations on these emails. XXXX XXXX has not responded to my certified mail nor have they paid the bill of particulars or removed this alleged debt from my credit reports. Surprisingly I haven't received any more emails since NCB has received my Cease and Desist but they have not fulfilled the completed request to protect my privacy or stopped violating my consumer rights. This is my last effort to resolve before litigation.
Product: Credit card

After filling numerous fraud disputes td bank allowed fraudsters to repeatedly gain access to my XXXX XXXX XXXX, overdraw the account and repeatedly change security notification information associated with the account. After spending hours at the branch as directed by card services, the bank was still using the false telephone # provided by the fraudsters up until I notified them on XX/XX/2023. Fraudsters changed the email address and contact phone # on XX/XX/2023, and and 3 weeks later its still wrong until I changed it. 


The bank would not close the account and was ready to send me a new card even though they allowed over XXXX dollars in charges that are still pending.
Product: Money transfer, virtual currency, or money service

I Got a scam PayPal receipt stating that they recieved my order via XXXX/PayPal and to call the customer service # is there are any problems with transaction or disputes with the claim. The receipt looks identical to a PayPal statement.
Product: Checking or savings account

I had open a wells fargo checking account online on XX/XX/2024 with this email XXXX and on XX/XX/2024 there an email sent to this email XXXX with the same account number but different address and phone number with a username and pin a password created that I did not do or had any access to
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX  , Equifax removed accounts and inquiries due to their inaccuracy and false reporting. Upon reviewing my report, I noticed that everything that was once disputed and removed has been added back onto my credit report. I did not receive any notification that these items would be added back. I am demanding that each and every one of the items that were once removed for inaccuracy be removed once again. This is affecting me negatively and hindering me from moving forward. Equifax has not provided any form of validation whatsoever and yet these inquiries and accounts are being reported. I have attached proof of these inquiries and accounts being removed from my report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against AQUA FINANCE regarding an unjustified late payment report on my account number XXXX, which was reported in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

CashApp closed my account unprompted and without providing explanation beyond a " terms of service violation. '' I do not even use this account to send or receive money. I can think of XXXX times in the past XXXX years I've used it and none of those reasons would constitute a violation of the terms of service. 

I generally has written the account off as I did not use it. However, I did use it to file my taxes in XX/XX/year>. I went to retrieve my tax return expecting that even if they account was not in use that it would allow me to access my own legal document. However, I am barred from accessing my tax return which they filed on my behalf and they refuse to send it to me or reverse their decision on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My FICO score dropped out of the blue when contacted Equifax their validation systems shows some account allegedly opened on XXXX and XX/XX/XXXX even when I froze my credit with all unions on XXXX. 

Contacted all the companies listed within Equifax questionnaire and all of them said i didn't have any outstanding debts with them. 

On the other hand I have only one credit card that I keep below XXXX out of XXXX and will pay off that amount soon. 

Equifax is deliberately hurting my score and my chances to increase my credit and get employment by having to pay fees and deposits for utilities and rentals which is basically an strategy to keep me poor. Even when I pay all my accounts religiously. rental, food and services all paid in full and yet this is not enough for Equifax.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX