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

On XX/XX/XXXX my sons savings account thru Wells Fargo Bank, and his Wells fargo visa credit card, were taken over by hackers, they withdrew {$2000.00} from his savings account and did cash advances on his WF visa credit card totalling around {$5000.00}. The hackers also opened a loan in the amount of {$14000.00} and then opened a checking account and deposited {$12000.00}. 
We have called the fraud department at Wells Fargo Bank, and reported these claims, they claim they have taken the steps to prevent this from happening again, but on XX/XX/XXXX after we spent almost 2 hours at the Wells Fargo Branch on XX/XX/XXXX to make sure that these claims were taken care of. Wells Fargo opened a new online banking account in my sons name so hackers could not get into the new account, but on XX/XX/XXXX the new account was hacked again, the deposited {$2000.00} from a XXXX XXXX card and withdrew {$1000.00}. 
This is the 3rd or 4th time we have been hacked thru Wells Fargo. These hacks were done all online including getting a loan. Can you say inside job? Wells Fargo customer service is a joke, do not trust them. Closing my accounts going to a smaller bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account ( XXXX XXXX XXXX ) has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently trying to refinance my home but my payments are not being reported/recorded with the credit bureau's..My credit was pulled just recently twice and both told me there is no record of US Bank reporting my payments to the credit bureau 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that 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 are found to be opened 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 ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX Balance : {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX Original creditor XXXX XXXXXXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original creditorXXXX XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXXOriginal creditor XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Originalcreditor XXXX XXXX XXXXXXXX Balance : {$460.00} XXXXXXXX XXXX Inquiredon XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired XXXX XXXX, XXXXXXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquiredon XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

.===================== The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Has violated my rights. 
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

My credit report is reporting a late payment in 2017 from Hyundai motor finance. Ive mailed them, called on several occasions to dispute this issue. I have disputed the issue with the credit bureau as well and this will be my second complaint through this portal, in which Hyundai Motor finance responded and said they would resolve. Its now a year later and Im trying to purchase a home and this late payment which is incorrect is still showing on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I attempted to get available funds of {$250.00} out of my Chime account. My Chime account was opened XX/XX/XXXX. I linked my personal checking account to transfer the funds to it. After linking my personal bank account the only transfer option available was to transfer funds from my personal account to Chime. 

My husband and I in hopes of getting the funds out of the Chime out sent the funds to a different email than what is on my account I had been using with my married name. This action was taken because the option to receive the funds on our debit card without having a Chime account was not working as advertised by Chime. The only other option was to create an account. A text message was received saying that funds was sent however when clicking the green button to get the funds it read expired have your friend resend the funds. We aren't able to use the Chime with the company because as like with XXXXXXXX XXXX the card does not work. 

I called Chime was accused of not being myself was asked to email my birth certificate, marriage certificate and birth certificate to prove my name to have the funds released by another department. I explained the need for the funds and my long name. I asked XXXX different agents in XXXX hrs to please send funds to my personal bank that was linked to my account. I was told that there was no account for me and funds were sent back to the original sender. That is not true. On XX/XX/XXXX the original sender to me called Chime to try to get the funds back and the request was denied. I was told to wait on an escalation team to email me. In every email agents email me the same thing as if there hasn't been several emails sent with more info than requested. Chime has not released the funds and will not discuss me getting the funds back. Chime told me that they do not have the {$250.00}, that it is on the XXXX account. But funds were never sent to the account. Chime with no warning no discussion made assumptions and closed both accounts yet a supervisor told me to access the account in the app to get the funds, I can't complain because I did this not them. He asked questions about my husband. Told me to get the money from him. 

We need to use the funds for our water due to be disconnected on XX/XX/XXXX. I've explained this to Chime. I emailed Chime my driver 's license, marriage license, birth certificate, award letter from Social security, water bill showing that water is due to be disconnected without the funds. Explained that I need water for my XXXX XXXX XXXX XXXX. I asked if my medical documentation was needed to prove I actually use these XXXX There has been response to my questions only a repeat of account closed or there is no account with my email address or name. 

I just want my money. I'm not interested in using Chime anymore.
Product: Checking or savings account

XXXX XXXX XXXX  ( Centennial Bank ) stopped external transfers the week before a scheduled transfer and did not cancel my recurring transfer causing my other account at XXXX XXXX  to be debited {$200.00} and never showing up in my happy account nor being credited back to my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

( US BK XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXX Balance : - ; US DEPT XXXX OF EDUCATIO XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX  Original creditor WXXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired XXXX XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXXL Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XXXX XXXX, XXXX ; XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Equifax XXXX XXXX XXXX XXXX, GA XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a message from a XXXX XXXX XXXX from a " Plaintiff 's office '' regarding a case against me and I would be getting served a summons in the next two days. I received messages from two friends of the same message. I called the number right away and spoke with a XXXX XXXX. He said that he was a law firm preparing a lawsuit against me for a payday loan and due to the statute of limitations the creditor is taking legal action against me now before it runs out. It said it was over {$700.00} I owed plus attorney fees and costs. But if I agreed to pay today, they could work out a payment agreement. He stated he was representing XXXX XXXX XXXX. He provided my last XXXX of my social security number and information regarding the debt such from its original company. I agreed to pay the amount I believed this must be legitimate since he called my two friends and knew the original debt information and I did n't want a summons of a lawsuit against me. After I provided my information I asked for his company 's info. He stated he is with a company called XXXX which is a law office in XXXX, Texas XXXX. I asked for his direct number and he provided XXXX. He said he would be sending me a receipt by the end of business day. After the call, I felt like something seemed wrong because I felt as though they were pushing me into resolving this by threatening legal actions against me. So I called back and explained my concerns. He stated he would send me the receipt right away. I received the receipt in my email and it was very vague with limited information and the company was totally different from the company he told me he was with. I called the number on the receipt and a man answered. I asked what kind of company he was and he said it was for mediation services. Then he asked me directly if it was me calling. I said yes and he transferred me back to XXXX XXXX. I have since checked my credit report and this payday loan with XXXX is not listed on XXXX, XXXX or XXXX. Everything on my credit report is current because I have disputed incorrect charges that appeared recently. This company used scare tactics and possible legal action against me to get me to pay a debt that is past the statute of limitations and possibly may not even be assigned to me. From my research, I have determined under the Fair Debt and Collection Protections that threatening legal action is illegal and a company is not allowed under the law to take these actions. Thank you in advance for all help and guidance with this complaint.
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 XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 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 antedatesvthe report by more than several 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 information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/2019, I have been trying to get this account removed off of my credit.
Product: Payday loan

I borrowed a loan from a company called NetCredit. The loan amount was {$2600.00} dollars with monthly installments of {$150.00} debit from my checking account every XXXX of the month. The loan was funded on XXXX/XXXX/2015, up until this day I have only paid {$110.00}. When I called to inquire why my loan amount was n't going down I was told that some all the money goes to the interest and some months only a percentage goes to the principal. It has been over a year and in total I have paid {$1800.00} and only {$110.00} of the principal has been paid. The interest on the loan agreement is an annual rate of 65 %. When I called they told me that some months all the payments goes to interest. This can not be legal, this is abuse of power and abuse to consumers. This business should be investigated, when you borrow a loan and make monthly payments a portion should go to your principal no matter how much the interest is. This is straight up robbery.
Product: Debt collection

They contacted me and identified the debt amounting to {$1700.00} and I never received information to verify and validate the debt.
Product: Credit reporting or other personal consumer reports

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX, Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX, Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

Sincerely, XXXX XXXX
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, DEPTEDXXXX : # XXXX, DEPTEDXXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Checking or savings account

after many months of disputing charges on my account, the bank responded to me that " We again would advise against attempting to resolve the issue directly with the merchant '' I agree!!! that means the bank needs to back out and not take responsibility on my behalf. 

the bank is responsible for this charge and should pay the charge as they are not allowing me to work directly with the merchant. the bank is taking it upon itself to accept charges for the vendor. 

I have made it quite clear that the charge is not legitimate and is a fraud. if the merchant has anything on their side that defends them I have not seen it and the bank has not shared it with me. 
If the merchant believes they are in the right they can come after me directly and without the support of capital one.

Why is capital one supporting the vendor as I am the client and creditor? 

I refuse this charge, I demand that the bank return my funds and back out of this situation as it is harassment. USFCR is completely capable of sending me an invoice if they seem to be fit. how are they using the bank to protect them when I am the creditor. It's a fraud. 

the bank has noted that " it has confirmed that all of the correct procedures and processes have been followed in denying this claim due to the merchant documentation. " I have not seen any merchant documentation. I have not been informed of any procedures that were used and I was not informed of any tactics they used. they never called me back to discuss it. they are defrauding me as a matter of fact. I have first-hand knowledge and the bank does not. the bank is a fraudulent organization and should have its banking charger removed for blatant fraud. 

did the merchant show documentation that showed that I never received the product and I still need to pay? that is called fraudulent and a cybercrime. 

capital one also said " they have no further recourse on this purchase '' then they have no right to demand that I pay for this. they can pay for it as I refuse to pay for fraud. I want my account closed with a XXXX balance.