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

On XX/XX/2022, I signed up for a membership with XXXX XXXX XXXX XXXX for two memberships totaling XXXX a month. Beginning in XX/XX/2022 to XX/XX/2022, the company fraudulently charged by for three memberships totaling {$41.00}. Accordingly, I contacted the company to resolve the matter and provided documentation to support that I only signed up for two membership however they would not remove the third membership and refund me monies owed. 

I contacted Capital One and provided documentation to show that I was being overcharged and requested for them to refund me {$15.00} dollars. Additionally, I also told the representative to stop all future payments from XXXX XXXX because they were overcharging me. I email all documentation and Capital One refunded me the {$15.00} dollars. However, the representative did not put a stop payment requested and allowed my account to be billed another month after I filed initial claims. XXXX initially credited by account for the {$41.00} but XXXX XXXX provided documentation to show I authorized the charge. Capital One has failed to properly research my claims and authorized another charge when I clearly told the representative to stop all future payments because I was being over charged in violation of my consumer protection rights. I Requesting of Capital One to credit my account for the {$41.00} because I informed the company timely to stop al future payments due to over billing. It does not make any sense why the would deny my claim when my account was issued credits for the {$15.00} for overcharges. It is very clear someone is not researching and reviewing the notes nor documentation submitted for my prior claims. I am extremely frustrated with this process as my consumer protection rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts reporting on my credit report that don't belong to me. I contacted XXXX, Transunion, & XXXX  multiple times. I sent in my initial complaint on XX/XX/2020. I didn't hear back from them in 30 days so I sent a demand to comply and still haven't gotten any responses. The demand to comply letter was sent XX/XX/2020. I have attached the letters that I sent to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights!

Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account as under an open and consumer credit plan as late for any purpose '' Gm Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had us bank credit card issue a check for {$8800.00} for a balance transfer from Barclays Card Service. XXXX XXXX XXXX XXXX, PA XXXX I originally had a Barclays card but my account was sold to XXXX XXXX XXXX. 
This balance transfer was made by XXXX XXXX. 
I thought Barclays and XXXX were under the same umbrella. I thought this because I was told that and Barclays would send to XXXX XXXX. I have attached the check copy front and back to show Barclays received and cashed the check.
Product: Checking or savings account

My XXXX XXXX account was compromised and a fraudulent charge was made for the amount of {$820.00}. I noticed the charge because I got an email from XXXX XXXX authorizing the charge at XXXX XXXX. I did not see the email until XXXX XXXX. This individual did not have to use my security code on my debit card or use my pin and was able to send money to a different country. The charge was made at XXXX XXXX and the person who picked up the money did so at XXXX XXXX. I do not know the person who picked up the money. I had no way of fighting this charge or preventing this from happening since it all happened within 20 minutes while I was asleep. I did not check my email that day until XXXXXXXX XXXX when I was at work. But I immediately called XXXX XXXX to file a complaint. 

I filed a dispute with XXXX XXXX. - Pin Code= XXXX - Complaint ID = XXXX. They immediately closed my account. As you can see based on the attachment : The individual changed my profile and sent the money. 
At XXXX, I changed my password to my XXXX XXXX account upon realizing it has been compromised. My XXXX XXXX account was then de-activated. 

I also filed a complaint with suntrust and they are refusing to give me the money back and i am extremely upset. I did not even have enough funds available in my account and the transaction went through so I had to transfer funds to avoid overdraft fees. Suntrust should not allowed the transaction to go through. 

According to FTC, If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you. I reported this the same day within hours. I contacted Suntrust Investigator XXXX at XXXX ext XXXX to get this resolved. He never picks up or returns my calls.
Product: Mortgage

My wife and I are forty year customers of Wells Fargo. We have a first mortgage that we originated with Wells Fargo in XX/XX/XXXX which was sold after being modified to 40 years as part of a home preservation program after I XXXX XXXX XXXX  and had my pay reduced by half ( i.e. {$30.00} per hour to {$15.00} ) 7 years ago, and a HELOC in XXXX for $ XXXX. Our first mortgage has been paid on time and our HELOC is currently reporting 60 days late to the credit reporting agencies and we are over {$5000.00} past due in payments and late fees. We have been repeatedly denied for loss mitigation as we are being advised that we make too much money. We applied to refinance our Wells Fargo debt with Wells Fargo including the mortgage that Wells Fargo sold to XXXX XXXX XXXX  and included the balance of a Wells Fargo credit card totaling approximately @ $ XXXX in order to put ourselves in a stronger financial position by bringing the HELOC current, and reducing our monthly obligations. As long standing customers, we find it difficult to believe that this company has no options for which we can qualify. We do not have {$5000.00} to bring our HELOC current, we do not qualify for loss mitigation and we are only asking that this company find a product in which we can consolidate all of our Wells Fargo debt including the sold mortgage so that we can get one affordable payment and get our credit back on track.
Product: Checking or savings account

I had 19 charges on my account That were not authorized I contacted Chime and denied all 19 transactions within XXXX minutes they provided me a mere list instead of a detailed summary or any other supporting documentation of an investigation of the stolen funds. The charges are still being attempted and no funs have been returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report thru experian states a debt with XXXX XXXX. There are a couple issues which I have repeatedly attempted to address with XXXX over the past several years and recently Experian. States that in XX/XX/XXXX an account was opened by me. In fact I was going through a divorce and my ex husband went into XXXX and split a joint account without my authorization which opened a new account in my name without my signature or authorization. Upon our divorce I discovered this and included debt in joint bankruptcy. My attorney was XXXX XXXX of XXXX Indiana and Case Number XXXX of the XXXX XXXX of Indiana Bankruptcy Court. I repeatedly addressed the issue with XXXX to no resolve and have never been supplied with a copy of the contract signed or identification used in opening account. Both requested multiple times. XXXX and XXXX of XXXX requested dispute through Experian explaining all issues and they stated account verified but again no documentation or verification method and identifiation has been sent to me after 2 attempts to get this item removed from my credit report. It is a false account and even though it was not my account included in a bankruptcy as it was my ex husbands false and unverified doing.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquires using unauthorized residential address I never lived at. I have contacted to credit bureaus, data furnishers consumer financial protection bureau, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance XXXX $ XXXX XXXX XXXX opened XX/XX/XXXXXXXX  balance XXXX $ Unauthorized addresses XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX, XXXX, mi XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has already identified as fraudulent. The credit bureaus have deleted this account after I submitted a ftc report with other supporting documents. On XX/XX/XXXX the company XXXX comenity bank obtain a copy of my credit report without my permission, only to re report this fraudulent account causing my credit to crash! Speaking directly with XXXX comenity bank has gotten my no where! The account in question was open XX/XX/XXXX. The partial account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false accounts with XXXX of XXXX XXXX, and XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it, and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute report, but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuse to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

I was robbed at XXXXXXXX XXXX in 2003. Ever since then, different student loans, credit cards, and car loans have been showing up on my credit. This collection is listed for XXXX XXXX XXXX. I have never owned a dog at all!!!! I have called and tried to get this information off my credit but all I get is the account is mine and I DON'T UNDERSTAND HOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX , XXXX, My father is XXXX XXXX XXXX. I have disputed an item regarding Barclays Bank and XXXX XXXX XXXX that does not belong to me. Although I have disputed the item and demanded requirements under Section 609 of The Fair Credit Reporting Act, XXXX continues to allow the derogatory information to continue to be reported without requiring the two above named entities to comply with Section 608 FCRA which requires both above named entities to produce the specific time and date that I authorized my credit to be pulled and the specific contracts/agreements that I purportedly entered into. I have never authorized an account with Barclays Bank or XXXX XXXX XXXX in my name. The failure of XXXX to require the debt collectors to comply with Section 609 FCRA violates State and Federal Law which is in the jurisdictional enforcement of the CFPB. As of the submission of this complaint the erroneous information is still negatively impacting my credit report. In addition, the investigation by XXXX did not require Barclays Bank nor XXXX XXXX XXXX to comply with Section 609 FCRA, this violates The Fair Credit Reporting Act.
Product: Credit card or prepaid card

Chase Bank sent me a credit card in XX/XX/XXXX that never arrived and was later used to make fraudulent purchases in XX/XX/XXXX. Chase closed the account when they detected the purchase as fraudulent but they have refused to remove the charges against me. I have tried contacting them multiple times without getting any action from them. I have also filed police reports in XXXX XXXX, California ( where I live ) and XXXX XXXX, NV where the fraudulent purchases were made. 

Timeline : XX/XX/XXXX Fraudulent purchase at XXXX XXXX in XXXX XXXX for {$25000.00} ( APPROVED ) XX/XX/XXXX Fraudulent purchase at SuperStore {$320.00} ( DECLINED ) Fraudulent purchase at XXXX XXXX {$25000.00} ( DECLINED, which later was APPROVED ) XX/XX/XXXX I called Chase Fraud Department and was told that credit card account was turned over to Chase Security Department XX/XX/XXXX I called Chase Security Department XX/XX/XXXX I called Chase Security Department I faxed letter to Chase I set credit freeze with XXXX I filed police report with the XXXX XXXX Sherriff 's Department. The case was subsequently, turned over to XXXX XXXX Police Department. 

XX/XX/XXXX I called Chase Fraud Department and was told to call Chase Security Department next week XX/XX/XXXX I called Chase Security Department. Found out that Chase sent two cards, 1 in XXXX and another one in XXXX. I never requested for these cards. The card sent out in XXXX was received but the card sent out in XXXX was never received. 

XX/XX/XXXX I called Chase Security Department and was told that the case was still pending and no results until 10 days later. Someone was supposed to call back after 10 days but no one did. 

XX/XX/XXXX I faxed second letter to Chase XX/XX/XXXX Chase Dispute Department called. Case was still pending XX/XX/XXXX I called Chase Security Department and they were going to escalate the issue XX/XX/XXXX I called Chase Security Department. They would call me back in two days but no one did. 

XX/XX/XXXX I called Chase Security Department, was transferred to Dispute Department and then transfered back to Security Department. I asked to speak with a supervisor but no one was available. I was told that the case was still pending and it would take them 10 days to investigate, XX/XX/XXXX XXXX from Chase Lending Department called and informed me that I am still liable for the charges.
Product: Money transfer, virtual currency, or money service

Someone opened a Venmo account using my information and cashed a government check that was stolen from me in the account I have tried to contact the company but they just give me the runaround
Product: Vehicle loan or lease

The joint person on the lease went and traded our other car that we were leasing, at the time, in to Regional Acceptance without my knowledge or consent. He then proceeded to show up in a brand new 2019  XXXX XXXX and somehow I was a co-signer on the lease for the car and I wasnt there and no one ever asked for my permission and I refused to keep the car. The joint leaser and I ended our relationship and now all his bills are being put on me. The company illegally forged my signature without my knowledge or consent.
Product: Credit card or prepaid card

I filed a complaint with you guys already and also last Sunday I already called capital one even sent them a file with a tracking number shipping label to let them know I already sent the item back to the merchant to remove a rebilled charge that was in dispute to prove to capital one that the item is out o f my possession and has been returned and still they aren't doing any progress on there behalf in getting this charge off my current credit card balance the company is not contacting me at all and when I call I can not get through the line to anyone I have already filed a dispute with you guys the other day to get through to them and still nothing there office hasn't contacted me yet and also they were supposed to send me some forms on there end for me to fill out in writing for the disputed charge in which they also never mailed me can you please contact them and let them know I never gotten any forms by mail from them to fill out and return I have proof that I sent the item back that should be enough to get this charge off my credit card balance I even called them and told them even emailed them a tracking number the item and still they aren't responding to me by mail or by phone call this needs to be looked into because they aren't doing anything about it
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681 MHas violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681 c. ( a ) ( 5 ) Section stats : 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address some inconsistencies that I have identified in my personal credit report. These inaccuracies are having a significant impact on my financial standing, particularly in relation to my ability to own a home. While I understand that errors can occur, I have researched the dispute process and am aware of the required investigation time-frame of thirty days. The other bureaus have already removed this account from their records, following the submission of my FTC report citing the identification of an error. I am puzzled as to how this account was verified by your bureau while other bureaus have successfully removed them. Therefore, I request the immediate deletion of this account from my file as they are inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a checking account with SoFi and XX/XX/year> I mobile deposited a check for {$480.00} from a customer who I helped them move one weekend. After depositing the check I had to wait a few days for the check to clear. The check cleared a few days after the deposit and the {$480.00} was credited to my account and reflected my balance. Then 2 days later I couldn't make a withdrawal and had to log onto my online banking and there was a message saying my account has been restricted and to call them. So i did so and they tried to tell me the check was no good. It was already cleared and posted to my account and i knew the check was good because I verified it prior to the deposit and the check was good. Plus SoFi had already cleared the check. I called many times and went back and forth with these people for months. Their fraud team is so unprofessional, and so rude. They dont give you answers nor help you in any way. The {$480.00} still shows in my account and my balance still refects the money. They never even deducted the money from my account. If it was a bad check you then why did they never take it out of my account. Now we are going on 2.5 years later and I want my money. This check was good thats why they ever took it out of my account. I get a monthly statement every month from them showing that the {$480.00} is still in my account. There is no reason for this nonsense. This is a horrible and shady bank that should very well be investigated for the bad stuff they are doing to their customers. I have read countless stories of this institution doing people wrong. I feel they are stealing from me at this point. I would like to either have access to my account now so I can get the money out of that account and close the account, or they need to send me a check for the amount in my account then close it. i will never ever use this bank again. What they put their customers through is just wrong. I hope they do the right thing and give me my money that they have been holding from me for 2.5 years. Enough has been enough.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I 've been paying my car loan for at least the last 4 years. With a maturity date of XXXX/XXXX/2018, I calculated that on my current monthly payments, I would still owe over {$1600.00} on the loan. After contacting the bank, the explanation given was n't clear, making me think there would be a " balloon payment '' at maturity. If so, it was n't explained to me when the loan was issued. Even though I 've requested 2 extensions during the life of the loan, I do n't think the fees + interest would come close to {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX  XXXX XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX