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

Attached are 4 files. 3 of them are from the police report. The XXXX file would show the fraudulent charges ( {$2300.00} ) which WF has credited back to me. I am trying to recover the fraudulent XXXX charges ( {$3500.00} ), the fraudulent XXXX XXXX Transactions ( {$1000.00}. ), and the associated ATM fees ( {$57.00} ), for a total of {$4500.00}. 
After the time and resources spent in trying to recover my stolen monies from Wells Fargo, WF has deemed that my fraudulent claims ( case # XXXX ) and ( case # XXXX ) has been closed upon the conclusion of their review. The fraudulent ATM transactions were duly refunded except for the fees. The XXXX and XXXX XXXX money transfers were not refunded by WF due to their reasoning that those are on-line transactions done through my phone, which as seen in the police report was stolen with my XXXX credit card & my WF debit card. Nevertheless, those 5 money transfers from my WF checking account were not authorized by me, and thus fraudulent.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX and they have not responded or rectified the issue. 



Late payment from XX/XX/2019 is reporting and not in accordance with the provisions outlined in the 15 U.S. Code 1681a.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquires do not belong to me and I did n't ask for credit, I want these removed from my credit report. 





XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Wr XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XXXX XXXX, XXXX + Misc. 




XXXX Inquiry from XXXX XXXX, XXXX Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry from XXXX XXXX, XXXX + Bank XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase at XXXX XXXX XXXX  XXXX for {$120.00} and it was a an vanity LED Mirror. I opened the item when I got home and the LED mirror never turned on. The next morning on XX/XX/XXXX, I took my item back to the store and told the cashier that this mirror is defective and it is not turning on. The cashier scanned the item and called the manager. The manager came back and said sorry this item is non returnable it is a final sale. I said, it doesnt say anything on the receipt and more importantly you the item is not turning on at all. 
He said, he can not bend the rule even for defective item and I call the warranty toll free number showing on the box. While in the store I called toll free number. They asked me email them all the information about the SKU number, proof of purchase and 25 or so minutes later they said they can not cover it under warranty because it is purchased defective and it has to go back to the store. I had them on speaker phone and manager heard the conversation. Upon hanging up the manager said sorry final sale too bad. 
I filled the dispute with my Apple credit card for the full amount. I received the provisional credit within 24 hours. Since then, I have sent proof of purchase via email and their chat system, photo of the item multiple time and every time after 2 months I received the email saying your transaction dispute was not resolved in your favor and reason : The merchant provided sufficient evidence that you made the purchase. The first time I received this email, I call Apple customer service immediately and spoke with a manager they said, the first rep made a mistake representing my dispute and they will change some information this time and resubmit the dispute, gave me temporary credit back. I emailed them my receipt. The second time, same thing happened, I spoke with the manager again and he said, he added additional information/notes and attached my receipt. This time the case will close in my favor in 2 weeks. They have put it on fast track. Nope, it took normal two months and on XX/XX/XXXX I received the same generic email saying the same exact thing. The third time, again spoke with the manager and this time, they said because the photo of the damaged items were missing that what caused this decision, I emailed them the photos and the manager said perfect. I will hear something between a week or two. Again, since XX/XX/XXXX to today on XX/XX/XXXX I received the same old generic email that shows the merchant provided sufficient evidence. I am not fighting for not making a valid purchase. This case is all about receiving a defective item and not been able to return it or exchange it. Even the Apple have confirmed that on XXXX XXXX  XXXX website that if their final sale is defective the item is returnable. I dont know who is fighting my dispute and how they are representing me but Apple for sure not doing their job. They are too eager to please the merchant.
Product: Credit card or prepaid card

I have an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit card that was owned by another bank for many years. Comenity Bank purchased the XXXX card accounts and became the servicer for my card. Although I received several mailings from Comenity regarding the transfer of card servicing, I simply dismissed those letters as just advertising mail. I typically get 3-4 offers in the mail each and every day to enroll in a new credit card. I mistakenly thought the Comenity mailings were just another advertisement, I didn't even open the envelopes. After several months, Comenity finally called me and explained the change and that my payments were now overdue, which previously had been on Auto Pay for this card. My agreement with the previous card owner was set up as " Auto Pay, '' so I never had to worry about missing a payment. Comenity explained that the Auto Pay arrangement didn't transfer when Comenity Bank became the owner of my AAA card account. After I was notified of the situation, Comenity canceled the new card I was sent and re-issued another card, so it was impossible to access my account online to make a payment because of the different card number. Comenity said they also could not set up Auto Pay because my previous months payments were late. The problems just kept compounding! Once I understood the entirety of the situation, I paid the account in full. However, Comenity reported my delinquent payments to the credit reporting bureaus. I am simply asking because of the confusion surrounding the transfer of the bank serving the card account to Comenity, the lack of transfer of Auto Pay, and the re-issue of the card number, that the delinquent payments be removed from my credit report. As another example, I recently received a letter from Comenity, dated XXXX XXXX, that Comenity had sent me " the wrong terms and conditions by accident. '' This just illustrates the confusion inherent in the transfer of ownership of the card to Comenity, and that I am being unfairly penalized by Comenity submitting delinquent payment reports to the credit bureaus.
Product: Prepaid card

I purchased a Netspend Prepaid Card from XXXX, loading it with {$150.00}. As of XXXX, I am unable to access the funds in the card/account for whatever reason, even after contacting customer support multiple times through email and phone. They have refused to help me, and their services especially with the prepaid card are unclear and difficult to use.
Product: Credit card or prepaid card

I was at a church function on XX/XX/2021. It was a XXXX. A bunch of moms and myself went to a church function to prepare for the XXXX. We all put our purses and wallets in a cabinet and it was locked by the church guard. It was around XXXX eastern time I got a text and a call from barclays credit card Mastercard stating are you the one that made a purchase for like XXXX something at a XXXX XXXX I immediately said NO and I called them to stop the card. I ran to the church locker and notice the locket was broken into and a bunch of us had our wallets stolen and purses. I filed a fraud claim with Barclaycard and within two days they gave me a temporary credit for like XXXX something that was used on my card then two days later they charge it back and say im responsible! That is not fair I have been fighting it for a month and they refuse to even open up the case again. When they say 0 liability. That is not true. In this covid era we are all living check by check and they do this to me. I have given then all my other cards that have been stolen and they are all investigated and taken care of. But, XXXXarclaycard is refusing to help me it is not fair. I cant afford this and living on unemployment and now they want me to pay for these fraud charges? And the investigation dept is all XXXX people that hang up the phone on you and dont even give you the time of day. Please help me
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX, I am writing to inform you that I am a victim of a data breach orfraudulent information, as per the provisions outlined in FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ). This letter serves as a formal request for the permanent removal of fraudulent information resulting from unauthorized accounts and incorrect address appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account AmerAssist XX/XX/2020 is not my account i disputed it several times and this account still appears on my credit report. This account is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was leaked by Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received dispute results from Experian. On this report it stated the name " XXXX XXXX '' was " DELETED ''. As of today the name still remains along with another name that I disputed to be removed. I contacted Experian on XX/XX/2020 with my last efforts to remove the inaccurate information from my report. I spoke with XXXX ( Team XXXX ) and I also spoke with XXXX ( Team XXXX ). XXXX was the supervisor who I asked to speak with, she basically told me it would remain on my report even though it states that it was deleted. This is a blatant violation of my rights under FRCA and negligent enablement of identity thief.
Product: Mortgage

I refinanced and after closing my first payment was due on XX/XX/XXXX. Prior to my first payment it was very confusing as I received multiple first payment letters. One to Parkside Lending and one from XXXX XXXX. I called both Parkside and XXXX XXXX  and XXXX XXXX  told me my payment was due to them. Over the last month my loan officer who has been helping me who is no longer employed by Parkside put me in touch with their servicing team. I have sent multiple emails and documentation. They are reporting to my credit report a 30,60, and 90 day late. At first they agreed to remove the 60 and 90 day late in which calls from the credit agencies to them have been denied. Even though I gave the a letter at the request of Parkside giving them authorization. In the documentation section I have uploaded my payment history. You will see payments made in XXXX, XXXX, XXXX to XXXX XXXX. There is no way Parkside can report me 30 days late for or later when I made payment in all three of those months. Currently they are showing my XXXX payment not paid. Parkside needs to remove all lates they are reporting to me credit and they are not being helpful. It is not my fault that I received multiple first payment letters. I received zero calls from Parkside during this time stating I was late or there was an issue.

Lastly I was told by my loan officer there are servicing transfer laws that should have protected me in this instance where they cant report me late due to their errors. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance has fraudulently reported to my all three credit bureaus, they have lied about it and ruined my credit, also did not honor the Covid 19 assistance issues. Many times over the current loan, the balance has increased after payments Since the XXXX month into the loan, thankfully I just got my credit reports and found this fraud??? Not good... They do this to many people I have read and I want my balance corrected! They are crooks and have had a mutil million dollar settlement they have to pay for doing this to customers and I just checked today and it is still happening, unreal... Please help me as I am XXXX, as many are I have read. They are terrible for doing this to folks. I have reported them to the XXXX  as well, as many many customers have. Its time to give people the justice they deserve and shut this company down.
Product: Credit reporting or other personal consumer reports

I discovered errors on my credit report involving accounts that do not belong to me and for which I have no knowledge, relationship, or prior authorization. The accounts in question are reported by XXXX XXXX XXXX ( Account Number : XXXX ) and XXXX XXXXXXXX XXXX ( Account Number : XXXX ). 

These accounts appear to have been placed on my credit report without my explicit written consent, which violates the permissible purpose requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. I have never engaged in any transaction or relationship with either XXXX XXXX XXXX or XXXX XXXX XXXX that would justify these accounts being reported. 

In addition, I have never provided written authorization for these entities to access or report information on my credit report. I believe this is a clear violation of my rights under the FCRA. I have attempted to address these inaccuracies by disputing them with the credit reporting agencies, but the accounts remain on my credit report despite their lack of verification or validation.
Product: Credit reporting or other personal consumer reports

hello i recently sent a letter to equifax on XX/XX/2024 to go over some incorrect personal information that doesnt belong to me. I have yet to receive any acknowledgement of my request to have the information from my credit.
Product: Credit card or prepaid card

I recently contacted  Capital One  on    XXXX   XXXX   XXXX      prior to doing a transaction through a third party website called  XXXX  that does money transfer via  XXXX  services. My first preference was to do a money transfer using my bank since there would be no fee assessed. However, I decided to take a chance with C apital One  using my Credit Card for the transfer. I was n't very optimistic about using a Credit Card for this purpose, however when I spoke with a Capital  One  agent on   XXXX   XXXX  , she assured me that Capital One would not charge any fees including a  Cash advance  fee and the transaction would be treated just like any  XXXX  purchase. I went ahead with the money transfer using my Credit Card only to find that after a couple of days later, there was a  Cash Advan  ce  fee on my list of transactions.   When I called  Capital O  ne a bout this, they had a completely different story to tell. The agent insisted that I would be charged a  Cash advance  fee. I insisted that I speak with his supervisor and the supervisor said the same. Since I believe Capital One records all conversations between Account Holders and agents, I have requested the supervisor to review the recorded conversation from    XXXX   XXXX   . After a few days, another  Supervisor  called me back on    XXXX   XXXX    and told me that she reviewed the recorded conversation and the agent is heard advising me that there would be a 3 % charge. I would however like to dispute this argument and hold  Capital One  liable for providing me false information in the first place and then assessing a fee. I am a Credit Card customer who always pays my dues on time and in full. I had enough money in my bank account to go ahead with this money transfer and would have never used my Credit Card for this transaction if I knew there was a fee. I sincerely hope that I am treated fairly based on my conversation with the  Capital One  agent who told me that a fee would not be assessed on this transaction. Also, the Supervisor I spoke to on   XXXX   XXXX   did not speak to me in a pleasant manner and was borderline rude. I have been a  Capital One c ustomer for several years now and am in total disbelief in the manner they have treated me.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX several derogatory accounts were removed from my credit report. The same accounts that caused much damage to my credit worthiness. However, as of XXXX XXXX my score does not reflect such changes. How is it I am quickly punished but once removed there is no update or increase in the score. And if in fact the accounts didn't carry points to add, how were they deducted?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is a predatory lender. I have a payment arrangement in place in XX/XX/XXXX for my vehicle financed with their bank. I submitted the payment and it had yet to be processed due to the federal bank holiday. XXXX still had the vehicle repossessed but then refunded all the repossession charges as it was a mistake. But they refuse to remove the reporting from my credit report. I have submitted documentation, disputed with the credit bureaus, made several calls, reported them to the district attorney in California and was told by the office of the president they would not further assist with my account. I finally sold this vehicle for negative equity in XX/XX/XXXX to be rid of XXXX. Shortly after XXXX was sued in a Class Action lawsuit for predatory lending. I received notice from the state informing me there would be documentation coming from XXXX with resolutions to serve closed accounts. I still haven't heard from XXXX.
Product: Credit card or prepaid card

A sales person by the name of XXXX came in to our business to offer us a water filtration system called XXXX. He tested our water and said that it had XXXX causing chemicals and that we were at high risk of getting sick from it. After discussing the product for a while we decided to get it installed. He said that the total was XXXX and that the monthly payment was going to be {$90.00} a month for 6 years. He showed us a peace of paper where I had to provide my social security number to see if we qualified for additional savings. To which he then said we qualified for three free months. What we didnt know is that what he was doing was opening a credit card with Aqua Finance in  the amount of XXXX. We have been paying our $ XXXX monthly bill amount for a little over a year now and just found out that we are actually paying a financing company who charges interest every month for the unpaid monthly balance. Our balance is XXXX as of XXXX which means that in this whole year we have been paying mainly interest and only about {$270.00} has gone towards the water system. The only reason we found out in because my daughter opened a bill from them and reviewed it and let us know about this issue. We were absolutely never advised that a credit card loan would be opened and that there were interest fees on top of the XXXX. My daughter checked their XXXX reviews and XXXX reviews which are filled with people complaining about being scammed by them too. They are a fraud. They lie and take advantage of the XXXX community that doesnt speak much XXXX. I called the company Aqua Finance and they told me to call the sales people at XXXX XXXX. I called XXXX XXXX on XX/XX/2020 and they advised that they cant do anything and to call Aqua Finance again. They just keep sending me back and fourth. Please help.
Product: Debt collection

National Credit Adjusters can not collect on a cancelled debt. This violates the fair debt collection practice act. Since this is now a cancelled debt per the IRS this is considered income and can not be reported to the on my consumer report. 

According to the IRS, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. 
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
( XXXX ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit. 
( XXXX ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution. 
( XXXX ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. 
( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees. 
( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. 
( XXXX ) Communicating with a consumer regarding a debt by post card. 
( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 
15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.