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

On approximately XXXX XXXX I notified Capital One of fraudulent charges on my account. The charges had been made through online merchants for the merchant XXXX. These were not authorized purchases made by me and were made for a video game. The charges started out at very small amounts ( {$1.00}, {$5.00} ). The credit limit on this card at this time was {$300.00}. In XXXX of 2021 the credit limit was raised to {$2500.00}, without my knowledge of request. This in turn increased the frequency and amounts of the charges being made by this merchant on my account. I was never notified or contacted by Capital one as to the unusual increase of charges on my account. During this time due to the delay in mail delivery and the other challenges of the Covid pandemic, I made payments to my account without throughly auditing each charge. The charges were made by XXXX and XXXX both of which I had accounts with. These fraudulent charges totaled XXXX transactions totaling {$13000.00}. 
After an extended time frame and 10 phone calls to Capital one, I was told that the amount deemed to be fraud was {$2400.00}. The remaining balance of {$11000.00} was deemed to be valid and would not be returned. Upon further request and escalation of the calls with Capital one, I was told the remaining balance was deemed valid because I continued to make regular payments on my account.
Product: Credit card or prepaid card

A charge was made for the amount of {$3600.00} to my synchrony care credit account for a procedure at my Doctors Office XXXX XXXX on XX/XX/XXXX. But The same amount was charged at a different location called XXXX XXXX XXXX that I did not authorize. I don't know this merchant or have visited their center. I reported this as fraud in XX/XX/XXXX. My account was closed and I received a new card in the mail. As of XX/XX/XXXX they keep closing all my fraud claims report with no reason. I only receive letters saying I authorized the purchase when I clearly have stated countless times that is a fraud charge. I call every week to speak to different representatives who offer no help. I have to keep calling to open countless fraud claims as they keep closing it and never give me a definite answer. 

It has affected my credit tremendously. I have called and sent faxes of the error and my Doctor 's Office XXXX XXXX has spoken with them to confirm they don't know who the other Merchant is. I recently had to open my 6 Fraud claim with Care Credit. This  happened in XXXX and It is XXXX and I have not received any help with this issue, but keep getting charged a high interest rate. On top of the fact that it went over my credit limit. 

They also deleted off my account the statements leading back to XXXX so I am not able to see those transaction unless i request it to be sent to me. I have requested those statement 3 times and I have yet to receive them. Please help as I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL The credit bureaus are refusing to provide results and remove fraudulent information from my credit report. 
Transunion has stalled on all my disputes I have sent, I have sent 3 in the last 60-90 days and they continue to ask for proof of my identity. I have sent my ID, Proofs of address & a copy of my social multiple times. I have filed previous complaints and they still ask for this info. I need the CFPB to step in and do something. I have attached ANOTHER proof of identity. 
There are items on my credit report that ARE NOT MINE!! All 3 major credit bureaus are reporting them and I have disputed them yet they stall or say they are valid. I would like to demand to know how you verified these inaccurate accounts? 
MY NAME IS COMMON AND OFTEN I GET STUFF FOR A XXXX XXXX ON MY CREDIT BUT I USE MY FULL NAME FOR ALL MY STUFF. MY FULL LEGAL NAME IS : XXXX XXXX XXXX XXXX. 
I am contacting my attorney and the attorney general in each area of your operation. 
THese accounts are not mine : all the XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Received an alert from credit reporting app that I had suspicious inquiry on my credit report from Barclays of Delaware on my XXXX credit report. Reached out to the company Barclays Bank of Delaware and started a 48 minute phone conversation at XXXXXXXX XXXX to Barclays Bank of Delaware @ ( XXXX ) XXXX inquiring about the suspicious inquiry on my credit report from their company. They kept asking for more unnecessary personal information such as my full ss # to try and verify the fraudulent activity which I declined. Provided them with needed essential information and was told Oh it was a system error and to disregard nothing to worry about. As I pressed for more details then I was told oh well have to dig more and maybe the inquiry is still processing. Then they came back and said whatever it was has been declined and then sent to their fraud dept. I stated great I would like a copy of the letter you will be sending to the 3 credit reports so that I can confirm it was being handled. Was told that they could not provide me with any type of email or hard mailed copy of the situation. Stated that they had declined what ever suspicious inquiry was made and it was all ok. I then requested that I would like documentation of our phone call in case something else were to come up and was told that we can not provide you with any documentation and that I was protected because the whole call was recorded. I said great I would like a copy of the phone conversation for my records. Again denied any type of documentation about my fraud inquiry with them. Operator would not even provide a name of whom I was speaking with. Was told that their fraud dept would be calling me directly and to answer the call and that would be sufficient enough. That was as far as I could possibly get with them.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX. 
I do not have a contract with XXXX XXXX They did not provide me with original contract as requested. 
I demand that this account be removed from my credit report immediately. 

Date reported to my account XX/XX/year> amount {$5100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been report to my credit accounts that my credit score is XXXX in XXXX of 2019 - My credit score has NOT never been that. This false information caused creditor to close and/or reduced my credit with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX did a credit report without my consent and XXXX XXXX did a credit check with my consent XX/XX/XXXX XXXX XXXX  did a credit report without my consent XX/XX/XXXX and XXXX XXXX place ran a report without my consent XX/XX/XXXX I didn't give these companies consent to run my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a letter from the data furnisher stating they already REMOVED an inaccurate bankruptcy from my report and sent a request for a dispute with TransUnion on my behalf, with no response from TransUnion. also i disputed with TransUnion 10 times, each time they pretend they have investigated or reinvestigated but although they were provided with a copy of XXXX removal letter and a copy of a letter from bankruptcy court, they still sending me E-Oscar generated responses which are UNACCEPTABLE. I am uploading all needed documents here again. please review my claim and resolve my problem. 
Also this is the second time i'm submitting a complaint against TransUnion with the cfpb.
Product: Checking or savings account

Hi! My bank account at Bank of America was closed and I'm not able to open any account at other banks. I was a victim of scammers as a newcomer. I was looking for a job and met the offer of theft. It took me a while to understand that it is not a real job but scam. However, they sent me a check for direct deposit and when I tried to load it it in the system my account was denied and closed. 

I never had such experience with a checks before in other countries, that's why I didn't know exactly how it should work. Could you please help me and change my status in a system so I'll be able to open new bank account in one of the most reliable banks of the USA. 

Let me know if you need any further information from me. 

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

Kohl 's Credit Card Services closed my credit card account without my consent in XX/XX/2023. I called the company to explain that I did not consent to closing my account due to 'inactivity ', but they stated it was their policy and there was 'nothing I could do about reopening the account. ' This is an adverse action that I did not authorize, and according to 26 CFR 1026.13, this is unauthorized use if my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Once I combined these personal credit report files from these third-party agencies, I found the following : 1. XXXX XXXX Account number : XXXX Account number : XXXX. 
Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

2. XXXX XXXX XXXX, XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 
Account number : XXXX* 3. XXXX XXXX XXXX Account number : XXXX. HAVE VIOLATED MY RIGHTS. 

4. XXXX XXXX XXXX XXXX Account numbers : XXXX Account numbers : XXXXXXXX 5XXXX XXXX XXXX XXXX XXXX Account number : XXXX Account number : XXXX 15 USC 1681 section 602 ( a ) states I have the right to privacy. 

15 USC 1681 section 604 ( a ) ( 2 ) : It also states consumer reporting agencies can not furnish a account without my written instructions. 

15 USC 1681 ( c ) ( a ) ( 5 ) sections states : No consumer reporting agency may make any consumer report containing any of the following items, of information any or other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 USC 1681 ( s ) ( 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: Checking or savings account

I had a Wells Fargo account between XXXX and XXXX, and I qualify for damages. I was harmed by " illegal activity, '' including incorrect overdraft fees.
Product: Vehicle loan or lease

I almost realized that I am paying almost two cars with this line of credit. This was not what I agreed upon at time of signature. Almost 50 % or more of everything I have been paying are to satisfy interest, not the principal, besides this company charges an absurd and abusive fees with increase their gain to the sky! So dishonest and unfair! I feel desperate and frustrated as I already tried many different times to get my money applied for the contract that I signed for, not this abusive mal practice. I am filling this complaint in a hope to find a resort for my complaint with this agency. 

Kindly Regards, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Being charged an overdraft fee when there is funds in my acct. I actually notified this when they sent a notice on XXXX. When I deposited enough money in my acct and then paid rent. I was still drafted a fee, dont know how many times they could have done this at Wells Fargo XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
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 : 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 card

This debt has been on my report for over 10 years, please remove it.
Product: Credit card or prepaid card

This is a message from Amazon A refund was issued to your XXXX  on XX/XX/2023 for {$270.00}. 
This is another item bought and returned at the same time : You've already requested a return of this item Refund issued You don't need to return the item {$32.00} refund issued on XX/XX/2023. 

Chase credit bank is showing those 2 amounts as negative balance charging me for both and items has been returned and refunded by Amazon.
Product: Checking or savings account

I was told that my account will be restricted to verify some recent activities on XX/XX/2023. I called them and they asked me to verify my identity which I did on XX/XX/2023 I sent them the back and the front of my ID. Frustrated with all of this I called on XX/XX/2023 to close my account. But they are telling me I have to go in person to do it which doesnt make sense I just want my money back and want to close the account.
Product: Debt collection

Company Awa collections showed up in regard to alleged debt from an auto insurance policy I had closed with XXXX XXXX in XXXX. I have spoken with both XXXX  and AWA in regard to the mixup as well as misrepresented of closed account as a collection. When I spoke with a representative for AWA they informed me that they were not going to write off the account unless paid regardless of my documentation of closed account and was told they were only going to accept payment no other information would close the fraudulent collection account. When I spoke with representatives at XXXX they informed me that they do not have access only AWA did and that I would have to settle any issues with them being the account was closed with XXXX. I am getting the run around for an account I closed due to lies, deceit and a misrepresentation of the terms of the insurance account. Me, having closed this account with the organization the alleged debt originated from I see no reason there would be any collection. Clearly this was an oversight and mistake on the end of XXXX and now I am the victim in a scam and fraudulent attempt to steal and cheat the consumer
Product: Credit card or prepaid card

Received a fraud block on my card cleared block using my mobile app. Account got restricted again I had to call Bank of America agent who answered was rude and condescending. Agent sent me verification link which I passed agent sent me a OTP which then began to argue with me how the code I was sent was not the code he sent me. Not sure how the agent id going to tell me what code I got as a text message informed agent this was the code I got agent continued to argue and become condescending going back and forth with me told me dont get an attitude. I didnt have an attitude I was frustrated at this point but was not being rude or having attitude agent continued to go back and forth and make comments on the phone agent would laugh on the phone and smirk asked for supervisor agent said he wound up clearing account agent finally got supervisor on the phone supervisor was 10x worse then the agent. Supervisor said youre XXXX because you cant verify your identity? Excuse me? Not sure who he thought he was talking to but I let him know sure wasnt me. Supervisor began to get an attitude as well supervisor then placed a hard restriction on my account out of spite and vindictiveness to prevent me from using my card because he didnt like my attitude and what I had to say which caused me to not be able to pay bills with my account. Called again got another supervisor who was floored and appalled at what I had to experience she saw what the supervisor did and agreed he was out of line. Asked Bank of America to have someone call me from corporate they never did they ignored me they had people call me from customer service who was useless and not who I needed to talk to. Bank of America refused to accept responsibility for what they did, instead covered up what happened and brushed it off. No research was completed or investigations done on the issue. No compensation provided which should be.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of an account on my credit report. Upon contacting the respective company, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the account would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. 

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

XXXX XXXX XXXX  is now reporting as LVNV Funding LLC {$440.00} balance Has different names appearing on my credit reports that was taken off previously. 

XXXX reports it as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX reports it as : XXXX XXXX XXXX LVNV
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies XXXX bureaus : Experian, XXXX, and XXXX ) : What happened Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Credit card or prepaid card

I was charged for smoking in a hotel room in XXXX nevada. I was not smoking I made a dispute with my credit card company and they acted in bad faith and failed to investigate or anylze any evidence. 
I was unable to make a dispute during covid per Chase 's guidelines. I did so online by pdf and fax. I was never credited to my accound and I never smoked in the room. The hotel never provided any substantial proof. It is all hearsay.
Product: Payday loan, title loan, or personal loan

i took a loan for XXXX XXXX dollars after I got the payoff schedule which was different than what it was, I already had paid {$400.00}, I called for my balance for payoff and the balance was over {$310.00}.
Product: Mortgage

I lost my job in XXXX, and fell behind in the mortgage, until XXXX, when I became employed with ups. I am still with XXXX, making an awesome salary, and Wells Fargo lied to me, told me that I would qualify for so many programs for modifications, etc. My loan fell in the cracks, and they threatened foreclosure. We took them to court, we were put into a mediation program, and Wells will not work with us. My lawyer has fought and we won all 3 times in court. I had to file a Chapter XXXX in XXXX because I would've lost my home. I have had my home for 29 years, and I have never dealt with such a heartless company that did not want to help in any way, shape or form. They have cost me thousands of dollars with court fees, my well being, etc. We have won in court 3 times, and now, I can not refinance anywhere because they will not re-instate my mortgage unless I pay XXXX dollars.