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

I noticed a fraudulent XXXX charge for {$510.00} on my Ally checking account on XX/XX/XXXX. This charge was not authorized by me, i have no idea who made it or what was purchased. Although the transaction was made through XXXX, it was NOT made through any XXXX account owned by me. Someone must have obtained my debit card info and made the purchase on their own account. I immediately tried to dispute the transaction with Ally, but I was told I needed to wait for it to post since it was still pending. I.e., I had to allow the criminal to finish stealing my money before Ally would try to do anything about it. After the fraudulent transaction posted, I formally filed a dispute. I was told it would take 10 business days to reach a result. I also contacted XXXX, who refused to provide any information on who made the transaction or what they purchased, even though they obviously have this information in their records. On XX/XX/XXXX, I received notification from Ally that my dispute has been denied. After an hour on the phone they have refused to provide any reasonable explanation for why their investigation sided with the criminal, or even what the investigation entailed. Essentially, Ally and XXXX are both blaming each other and doing nothing to solve the problem. Additionally : because my XXXX credit card payment bounced due to this issue, i was also charged a {$30.00} check fee to add insult to injury. 
I have now been waiting over a month to get my stolen funds returned to me with no help.
Product: Student loan

I spoke with this company about my student loans. I want a receipt of my taxes they withheld. I had no idea I was in default as I was getting ready to go back to school. Never the less, this collection company, XXXX XXXX XXXX, will not send me the paperwork to start rehabilitating my loans. They want a copy of my tax return. I want everything in writing before I send out my personal information this this company. They told me that without a copy of my tax return, they won't help me. I find this to be a fraudulent action. Also, I am not overpaying for collection fees. This has been a huge mess. Please help.
Product: Checking or savings account

I am filing a complaint with CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electrical Funds Transfer Act ( EFTA ) as it requires timing access to funds. This situation raises concerns about consumer protection law, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX account being advertised on my consumer report. I initiated this transaction using my " credit card '' and my privacy is being violated. I was made to believe that it was mandatory for the furnishing of this charge-off. I have come into information that leads to believe this is false and predatory. Fair Credit Reporting Act does not even define a charge-off. The financial institutions and credit reporting agencies have colluded to infringe on my rights by monopolizing my personal information. I was never given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and nor was given an explanation of how I can exercise that nondisclosure option. Subsequently, I have been charged excessive interest as a result of the lower credit rating following this. 

I am citing that XXXX XXXX is in violation of Title 15 of the United States Commercial Code Chapter 94 subsection 6802 [ B ] [ C ]. I am aware of the civil penalties associated with these violations. 

I have made a report with the Federal Trade Commission on XX/XX/2022 in the same manner and with the same power and authority as the Commission has under the Fair Debt Collection Practices Act [ 15 U.S.C. 1692 et seq. ] engaging them to enforce compliance with such Act.
Product: Credit card

I got an email from wayfair asking me to confirm it was me that logged in at XXXX. I never made a wayfair account, and when I went to change the password to lock anyone else out, it appeared as though the account might be tied to a virtual waiter citi credit card. I did recently, try to open a cost-co credit card over the phone, which is currently pending approval, but I never did anything with wayfair, and it says it was logged into from an XXXX, I do not have an XXXX Im hoping to get some answers soon.
Product: Credit card or prepaid card

On XX/XX/2021, I received my bank statement from my AMEX credit card, reflecting a balance of {$14000.00}, some charges for purchases not authorized by me are evidenced. Most of the charges were made on XXXX and XXXX. I immediately contacted AMEX and XXXX to indicate the fraud of which I had been a victim. Both companies told me they were going to investigate the charges. In communication with AMEX they offered me to continue with the card and I told them that I was not interested because they did not protect me as a user, they never called me to alert me of such consumption. For its part, the company XXXX did confirm the fraud and proceeded to make a refund to the AMEX bank for a total of 12 refunds. I continued to claim AMEX for the other charges and they kept saying that I had to pay the remaining amount. However, in the phone calls it is evident that I recognized my real consumption that was well below {$3000.00} dollars and in fact I managed to make a payment of {$500.00} dollars. Currently, the AMEX entity transferred the account to a collection company called XXXX that has continued the process of collecting the total doubt. I have made it clear that I have not consumed anything at XXXX or XXXX. Therefore, my claim is because AMEX does not accept that it was a fraud, which has affected my credit report.
Product: Checking or savings account

On XXXX XXXX I had a transaction on my account from XXXX. It said that I purchased an egift card for {$220.00} that I did not authorize. I called KeyBank, and they told me that I would have to call XXXX. So that was what I did, and XXXX said that they would file a dispute, and that I can call back between 10 and 14 days. So I called back and XXXX told me I would have to call my bank, which is KeyBank. I've been trying to call them and I get no answer. When I call them, I'm usually on hold for over an hour, and no one from the dispute department picks up, for me to file a dispute then the call will drop and I have to start all over again. This has been going on for over a week now with no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a home in XXXX of XXXX in XXXXXXXX XXXX Md thru XXXXXXXX XXXX for $ XXXX when I looked at my credit report on all three bureaus I noticed it was no longer reporting which is a violation of my rights. The mortgage was sold to XXXX XXXX in XXXX of XXXX which they never reported to the bureau ither I would like these 2 mortgage showing on my credit profile asap. 

XXXXXXXX XXXX act ending with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE THE FOLLOWING INQUIRES ON MY CREDIT REPORT TRANS UNION REFUSES TO EVEN LOOK AT AND DIRECT ME THE COMPANY. I HAVE SENT LETTERS TO THESE COMPANIES WHO WONT EVEN RESPOND. I CALLED TRANS UNION AND THEY SAY NOTHING THEY CAN DO. I HAVE NO KNOWLEGE OF ALL THESE INQUIRES. I HAVE NOT REQUESTED CREDIT FROM THEM. NOR DO I  HAVE AN OPEN/CLOSED ACCOUNT WITH THEM FOR THE HARD INQUIRY, I HAVE ASKED THEM TO SEND ME PROOF OF THESE INQUIRES FOR MY FILES AND THEY WONT RESPOND TO ME XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are reporting incorrectly a collection in the amount of {$1300.00} on XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I went to XXXX and signed up for the XXXX XXXX XXXX. The salesperson I spoke too specifically said that I have ( 14 ) days to return the purchase if I was not satisfied with the quality of the service. I returned the purchase ( 4 ) days after, so I was well within the term agreement for the return. I was told no fees would be assessed. I was never contacted again regarding this account. I was not aware there was a collection on this account until I obtained a recent copy of my credit report. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian is falsifying investigations and information If the investigation is coming up on the XXXX  day mark they will lie and say its been validated They have no proof of validation from the companys XXXX disputing They will not send any type of evidence per my request They keep uploading the information with the same style and format they used as before
Product: Student loan

My personal and financial information was compromised without my authorization. 
The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2021 : Fake debt collector insisting to talk to a person that I do not know and who is not related to my phone number. Already told him not to call anymore, but they still called until the number is blocked.
Product: Debt collection

Coast 2 Coast is still trying to collect and report a debt to my credit report that was a result of ID THEFT. I explained to coast 2 coast I never lived at the service address provided and that my identity had been stolen. 

The failed to properly validate the account with my name, social, or drivers license number. I sent over a dispute letter as requested and a copy of my police report but nothing has been done to rectify this issue.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on the account I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included on the screenshot inside this complaint dates shown for ( XX/XX/2020. ) Capital1/Walmart account . Please investigate and provide proof with statements showing that these payments were late. if proof can't be provided, I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. 


First let me say I am thankful for the opportunity to have established an account with your company, as you pretty much can tell by my previous stellar payment history! 


things were a bit rough and unfortunately, I fell behind. Now that those things are back to normal, my credit score took a hit with the late payments. Other companies gave me a courtesy late pay removal which has helped me and my family tremendously! So, I am writing to you as a goodwill attempt, to ask, would you be so kind to update the late payments on my account from the dates mentioned above. 



Yes, I have contacted the major credit bureaus and asked was this kind of thing possible and they advised that this request can be granted per as an identifiable event. 



I do greatly appreciate your efforts in trying to help my family and me.
Product: Bank account or service

Chase Bank allowed a fraudulent check to go through my account. XXXX allowed my personal check to be cashed by one of their members and did not see that who signed for the check is not who the check was made out to. Chase, my bank, allowed that transaction, also ignoring that who signed for the check was not who it was made out to. I also blame the person whose job it is to scan the front and back of checks to people 's accounts for viewing purposes, because they even let that go! 

Also, Chase lied and said they have supervisors in the Claims department who can address getting my {$600.00} back by requesting an escalation on my signed affidavit and over the phone. A telephone manager ( " XXXX '' ) today said there is no such process. This was Chase 's fault. It is clear to even a nonprofessional banker that a thief signed their name on the back of a check that is not made out to them, yet I have to suffer 30-120 business days before possibly getting my money returned to me. 

Chase has the proof this is fraudulent. They also have my signed and notorized affidavit. I want Chase to give me my money back now, because it was their error, and they can chase after XXXX for the money. It is the fault of these two corporate banks, not mine!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 my XXXX cell phone number was hacked and transferred to a prepaid phone. My phone number was then used to transfer {$22000.00} from my Wells Fargo checking account to a XXXX XXXX XXXX account. I contacted Wells Fargo fraud department the same day and filed a claim. However Wells Fargo has denied my claim.
Product: Vehicle loan or lease

XX/XX/XXXX I submitted my documentation to obtain an Authorization Letter from Kia Finance to ship my vehicle. I am currently financing my vehicle from XXXX so when I moved from XXXX XXXX XXXX  ( XXXX move I'm serving in the XXXX ) I needed that document to allow the shipping of my XXXX XXXX XXXX. Their website says it'll take up to 5 business days to obtain the letter. Now, XX/XX/XXXX I have no received the letter nor any clarification of why. I've called numerous times ( 4-5times a week ) and have had no assistance what's so ever. I'm not behind on payment, I've submitted their documents, and have waited more than their required time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Experian. I recently reviewed my credit report, and I noticed some inaccurate information. I made Experian aware of the inaccurate information on XX/XX/XXXX (  FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. Experian did not send me any response within the 30 time period per the FCRA. 
I sent a follow up letter to Experian on XX/XX/XXXX ( FORM D ) disputing more inaccurate accounts on my credit report. Experian received this letter on XX/XX/XXXX ( FORM E and F ). In this letter, I also mentioned the original letter I sent on XX/XX/XXXX that I had not received a response for. 
Experian responded with a letter ( FORM G ) that stated one account had been deleted and other accounts were updated, pending, and/or verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. They also exceeded the time frame of 30 days to respond according to the FCRA. 
Experian sent me another letter ( FORM H ) that reflected more results. The two accounts that I originally disputed back on XX/XX/XXXX were listed as verified/remains, and another account showed as pending. 
Experian never responded to my original letter within 30 days. They also have failed to provide me with the requested documents from my file they used to validate any accounts. Experian still never sent me proof of such validation or any of physical documents in my file that I had requested. 
Experian is violating my rights as a consumer and these accounts must now be deleted. 

Thank you for all of your help, XXXX
Product: Credit reporting

Called placed to Transunion in regards to inaccurate information on my credit report Called XXXX XXXX XXXX. Spoke with XXXX XXXX ( that 's the name the Manager gave me ). Stated that my XXXX XXXX account showed a balance of XXXX. I explained to him I sent XXXX letters with acct # XXXX and # XXXX. Mailed to Transunion that account was paid in full and that the company sent information. He stated the information is not going to change and he will leave the information on the credit report. I thought the credit reporting agencies are to provide accurate information opposed to fighting on the phone with you in regards to the information. I sent copies that was received form the company that it was paid a XXXX XXXX updated all three credit bureaus. I am trying to figure out why my information can not be update accurately
Product: Credit reporting

you have an address on XXXX in XXXX texas and i have never lived in XXXX texas there is also an account for time warner cable on my report and i havent had XXXX i have lived in XXXX texas for about 2 yrs now and was XXXX for almost a yr prior to that and they do not have XXXX in XXXX also it says it was opened in 2014 that is impossible since i have lived in XXXX during that yr and can prove it
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial protection bureau ( CFPB ) has recently filed a lawsuit against experian alleging systemic issues such as failing to forward consumer provided evidence furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing.I am requesting immediate corrective action to remove or amend the disputed accounts as experians inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

Hi my name is XXXX I'm a XXXX XXXX person that has struggled to keep up with payments of all sort I have a vehicle loan through ally auto for my van that I had purchased in XX/XX/2015 from that date till now I have never missed a payment for that vehicle even with my XX/XX/XXXX right now struggling to keep up I'm almost a month behind but I always make my payments before the 30day late period because of how much money comes in .my payments are do on the XXXX of the month so in XX/XX/XXXX I deposited some money from a customer and it was available on Saturday so I made my payment on Saturday the XXXX but today I received a 30 day late from XXXX and I'm not happy I've been struggling to keep my family happy during this time and to see this it hurts specially for people that are on parcel unemployment like I am I would like this to be removed if possible I so it doesn't hurt me just incase I need to use my credit for something else.
Product: Credit reporting 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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed {$0.00} XXXX XXXX XXXX XXXX Balance Owed {$0.00}