23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfers

Tried to send money to my niece in the XXXX XXXX XXXX XXXX for XXXX -- did it last year through MoneyGram.com. This year, I tried to send and got a message : " We 've encountered an error. '' We are unable to process your request at this time. The message says call XXXX. I did an spoke to a low-level customer service representative who indicated that my online account was " blocked '' and I could only send money if I go into a Money Gram location. ( Right. 3 days before XXXX and I am going to get out in the midst of crazy crowds to wire money -- really customer-oriented! ). My biggest issue is that she could not ( would not? ) tell me WHY!! There 's no fraud, the account I used is legitimate. She had no information and said " no one else would have any information either. '' First she offered to " escalate '' my inquiry and then she refused. I called a second time and spoke with an " XXXX '' who told me the same thing except this time she said the account was closed for " security reasons '' but could n't tell me why. I had her put me to a supervisor ( XXXX ), who said the same thing. Their ONLY remedy is to " send me to location. '' Total waste of my time -- I will do business with XXXX XXXX from now on. The documents I attached show : a ) an advertisement from them on XXXX/XXXX/2015 asking me to do business with them again and on XXXX/XXXX/XXXX where they RESET MY PASSWORD only to close my account! Perhaps they are the fraudulent ones and I am should be glad not to do business with them...
Product: Credit reporting, credit repair services, or other personal consumer reports

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus. I have made SEVERAL calls and spoken to several representatives at the company who have ensured me that not only is my account in positive standing and never has been delinquent, it was not shown or indicated to " charged off '' or late EVER!
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I notice a collection appearing in my credit report report last year, I disputed with all 3 credit reporting agencies and finally after a few months of investigating 2 of the agencies removed the collection as being fraud and result of the identity theft, I also filed the complaint against the collection agency " Resurgent " with CFPB and they falsely provided a letter alleging to have addressed the issues and feel like the account is accurate while the original creator of the account could not provide the requested info to identify the account as being my account Resurgent is currently rereporting the same account with false ID and account info under my name and social, I have asked them for info on the account and detail history but all they are providing is computer generated statement that has no connection with me and my signature not showing on any of the statement. 
As verification of Debt in accordance with Fair Debt Collection Practices Act they have not been able to provide me with any statements that bares my original signature, accurate Date of Birth, accurate address and correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a loan for my vehicle. They filed it incorrectly with multiple agencies, and it is coded wrong. So instead of it being 1 hard inquiry in the 30 day grace period for an auto loan, I have 5 hard inquiries. 

" Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Personal/Financial loan XXXX XXXX Inquiry from XX/XX/XXXX Coded as a Bank loan XXXX  XXXX, XXXX Inquiry from XX/XX/XXXX Coded as a Travel/Entertainment loan I have contacted each Institution and they told me I needed to contact the Dealership that applied for my loan. 

I contacted XXXX XXXX at XXXX, XXXX XXXX, XXXX, CT XXXX multiple times over the past 2 years, all of my messages were unreturned. Then in XX/XX/XXXX I had someone get back to me and they told me it wasnt their problem that it was coded wrong and I needed to contact the institutions. I did and the institustions said the same thing they had in the past, that I needed to contact the dealership. Then the dealership said I needed to contact XXXX XXXX. I have already contacted the 3 major credit agencies and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting inaccurate to XXXX, TransUnion and XXXX. I have never been late on any payments. Date XX/XX/XXXX, amount {$550.00}. I tried contacting XXXX XXXX asking to have my account updated to paying as agreed on all three bureaus. I was advised that my request would be forwarded to the proper department to review and update. Nothing has been updated on any of my credit bureaus. XXXX XXXX, XXXX, TransUnion, and XXXX is violating my rights as a consumer under Section 15 USC 1681A. 

There are about XXXX inquires reporting on all three of my bureaus that I never authorized or gave consent to anyone at the reporting companies to run my credit. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
XXXX is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX. 
TransUnion is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XX/XX/XXXX. 
XXXX is reporting unauthorized inquires from XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I was the victim of identity theft and I believe the perpetrator ( s ) began making the fraudulent charges on my Bank of America account ending XXXX in or around XX/XX/XXXX, which is evidenced by even a cursory review of the credit history for this account. The specific charges in dispute include the amount of XXXX on XX/XX/XXXX and in the amount of XXXX on XX/XX/XXXX, and accrued interest and fees associated with the same ; these charges were unauthorized charges on my account resulting from identity theft. I filled out the paperwork required by Bank of America for such occurrences and mailed it in on XX/XX/XXXX. BofA did not conduct an adequate investigation and mailed me letters dated XX/XX/XXXX and XX/XX/XXXX before even receiving my sworn statement. A fraudulent check was also cashed on this account as part of the same identity theft in XX/XX/XXXX for XXXX, which I also disputed and which was resolved in my favor by BofA, claim # XXXX ( or XXXX ). It makes no sense that only 1of the fraudulent charges was properly handled but the other two were not. I spoke with BofA 's representatives by phone about the identity theft and fraudulent charges in XX/XX/XXXX as well. I provided the police report file number to BofA. I wanted to arbitrate this dispute and requested a copy of the credit card agreement in XX/XX/XXXX so that I would know where to send my demand for arbitration. BofA never sent it to me and instead sent me a letter requesting more information about the disputed charges.
Product: Credit reporting or other personal consumer reports

My accounts 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 US

C 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 to be removed/updated.

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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

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!
Product: Debt collection

Like I mentioned the credit card compagnies are trying to connect false information
Product: Debt collection

After attempt to validate debt, company responded poorly with all answers. XXXX previous complaints filed with CFPB about company. After complaint filed, previous collections debt on credit report removed and another debt placed for different amount and different account number, same " creditor '' named. Why is this occurring?
Product: Credit card or prepaid card

I booked an airline ticket for my in-laws using my Capital One credit card on XXXX. The flight is from XXXX to USA with travel date of XX/XX/XXXX. 

Due to Corona virus the flight was re-scheduled on XX/XX/XXXX and I decided to cancel this on XX/XX/XXXX. I got confirmation email from XXXX that the tickets have been canceled and they are working with the Airline to get me a refund. This is on XX/XX/2020. This is after I pointed out the Department of Transportation enforcement directive that was published on XX/XX/XXXX that clearly states I have an option to request full refund. 

" Carriers have a longstanding obligation to provide a prompt refund to a ticketed passenger when the carrier cancels the passengers flight or makes a significant change in the flight schedule and the passenger chooses not to accept the alternative offered by the carrier. The longstanding obligation of carriers to provide refunds for flights that carriers cancel or significantly delay does not cease when the flight disruptions are outside of the carriers control ( e.g., a result of government restrictions ). '' This is what DoT has is in its enforcement directive published on XX/XX/XXXX. 

After not receiving the refund for several days, I have disputed this charge with Capital One. After a few days Captial one came back to me stating that the Merchant ie XXXX XXXX came back to them stating that I can re-book my tickets to a later date if I want to. 
Please note XXXX XXXX never said that I am not entitled to a refund but Capital One went ahead and charged me back the amount. I tried calling them numerous times about this and they keep saying they need to follow Visa guidelines. I have also tried to point out to them that Visa guidelines can not be used to override Department of Transportation enforcement notice for which their reply is that the enforcement notice was optional and not necessarily required to be followed by Capital One. 

Now the enforcement notice is pretty clear that it applies to everyone and is not optional. I want CFPB to make it clear to Capital One that breaking rules of US government will have serious consequences and that they can not make up any rules that would be against or supersede US governments. 

I have been chasing XXXX XXXX, XXXX XXXX Capital One for over five months now. The tickets were canceled on XX/XX/XXXX and I still dont have a refund on XX/XX/XXXX. I urge CFPB to take immediate action against Capital One. 

Name : XXXX XXXX Dispute Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX XXXX : XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Collecons : XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AZ XXXX Collecons : XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or 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 accounts or information which is 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 this files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX} If you feel there is a possibility this accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Checking or savings account

Without my knowledge or any form of security warning, an individual gained unauthorized access to my Credit Karma XXXX  account and changed my email address, password, and phone number. On XX/XX/XXXX, they used a virtual debit card to make a fraudulent purchase of {$2400.00} at the superstore, XXXX XXXX. Thankfully, I still have access to my account with XXXX ID, which they havent turned off. 

I immediately reported the fraudulent transaction online before contacting Credit Karma to freeze it. However, I was not able to change my information access to my account due to the theft. When I contacted their customer service representatives to request access to my account for them to investigate the fraud and ensure its security, they were unable to help me with the information security access to my account. They could only escalate the case to the fraud department and would only communicate with me through email.

Im concerned that the thief will continue to use my unauthorized virtual debit card. Consequently, they made another XXXX fraudulent purchase attempts on XX/XX/XXXX, but both were rejected due to insufficient funds in my account. The following day, the fraud department then requested verification by submitting my government-issued ID and a selfie of me holding the ID under my XXXX. Afterward, they froze my account until XX/XX/XXXX in the afternoon, yet prompt clearance of information security access to prevent the thief from gaining access to my account has not been done. 

To investigate the fraud, I went through the transactions in my account and found that someone had tried to use my money for XXXX separate purchases at different stores and times. The first one was for {$0.00} on XX/XX/XXXX, at XXXX. The second one was for {$230.00} on XX/XX/XXXX at XXXX, and the third one was for {$280.00} on XX/XX/XXXX at XXXX XXXX. Luckily, I didnt have enough money in my account back then.
Product: Credit card or prepaid card

Wells Fargo Card services is reporting on a debt I do not owe. My account information was stolen and fraud charges were committed. A police report was submitted, and I was told this debt would not be my responsibility by Wells Fargo. This debt is not mine and needs to be removed off of my credit file.
Product: Credit reporting or other personal consumer reports

I specifically deny that this alleged account/debt and/or account stated/implied and/or obligation is certainly mine, if this alleged account/debt and/or account stated/implied is certainly mine, I deny that this account/debt and/or account stated/implied and/or obligated to is authentic and supported by VERIFIABLE and AUTHENTICATED ( under penalty of perjury ) loan level documentation under the FDCPA 1692g ( a, b ).

I affirm this alleged account/debt was established without my knowledge, prior consent nor expressed permission. I acknowledge that this alleged account/debt and/or account stated/implied and/or obligation is false, misleading and deceptive ( 1692e ( 2 ) ( 10 ) ) in nature & that there is no VERIFIABLE & AUTHENTICATED contractual agreement nor obligation specifically with FAIR COLLECTIONS AND OUTSOURCING or any of its Affiliates nor have I ever engaged in any business with FAIR COLLECTIONS AND OUTSOURCING in the past and this trespass against me I consider is identity theft. 
I affirm that this alleged account/debt and/or account stated/implied is false, and a grand misrepresentation upon my good name and has caused me injury for which I will seek redress, compensation, and settlement. 
Reporting inaccurate information on my consumer report This reporting has cause me damages and lost of potential housing. 

FCO 's consumer reporting has caused me hardship and difficult for me to obtain affordable housing.
Product: Checking or savings account

Bank is stating that I did a fraud, I deposited {$500.00} at a capitol one ATM in the XXXX XXXX  and now the bank is saying that wasnt true and now I have a negative balance on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX has been paid off for car loan. it has been settled and is on my credit report causing low coring.
Product: Credit card

I contacted Synchrony Bank for my Walmart credit card account regarding the way my payments are being applied to my account, as I have both a zero interest promotional balance and an interest bearing blance. The rep stated that payments are first apllied to interest and fees, then it is applied to lowest interest balnce to highest. I verified to make sure I understood correctly that any payment above minimum is first applied to interest and fees, then it is applied to the lowest interest balance FIRST before being applied to higher interest balances. He stated this is correct and if I would like my payments applied differently, I can call after a payment is posted and let them know how I would like it allocated. I am confused because I thought the 2009 CARD act prohibited applying payments above the minimum balance to the lowest interest rate first.
Product: Money transfer, virtual currency, or money service

Since XXXX of 2017, Coinbase had sequestered all of my cash in my account and prevented me from accessing it. I had no control over my funds. I could not transfer or withdraw my cash which was not invested in any products. After being neglected for 2 months, Coinbase responded only after I filed a CFPB complaint. The issue has not yet been resolved because {$2500.00} USD is currently being frozen inside the account and I have no access to it. Even the technician  assigned to help my case was unaware of this. By viewing my transaction history, and using an API Key to track transactions, I have proof that {$2500.00} of my money is currently trapped in Coinbase and I need it back. I don't know why it was sequestered and no reason was given, even the technician seemed confused. Unprofessional and negligent, how did Coinbase pass the pre-requisites to handle financial assets? Coinbase does not seem to be capable of handling financial assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts, I don't have any contracts with this companies.