23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020, My Capital One credit card and XXXX XXXX debit card were used at a XXXX XXXX  store without my knowledge. I received texts from both card companies ( XXXX XXXX and Capitol One ) with suspicious activity. My XXXX XXXX card was used 3 times, and the Capitol one Card was used twice in the same day at the same store. 

I didn't know at the time but my card was stolen, and so as soon as I got the alerts from both companies via text, I replied to the texts sent from each, that I did not make the purchases. My Capital One card was cancelled, and they sent me a new one. The chargers were refunded. 
XXXX XXXX accepted the 3 charges as fraudulent. The charges were canceled and refunded No further action was needed. 

On XX/XX/XXXX Capital One added the 2 charges back on to my account, and said after their " honest and thorough investigation '' it was found that the card was not stolen, and I had used the card. I tried to explain again that two different cards were charged 5 times in one day at the same place, and that Capital One themselves alerted me to the suspicious activity. I asked how they came to this conclusion and they would not explain. 

My complaint is not so much that I have to pay, but that Capital One advertises how important their Fraud protection is. I did everything they asked of me, I replied NO to the text, I called the company right away to report it, and I cancelled the card. I am a loyal customer with more than one account with the company, I pay my cards on time, and I expect more from them. I am very disappointed, and in this economic time every bit counts. I am frustrated that I should have to pay for this, and that the company did not live up to its bold statements of protecting its customers.
Product: Money transfer, virtual currency, or money service

Hello, I am contacting you about a granted deposit that I did not receive from XXXX. It was sent to me by the company XXXX XXXX Also known as XXXX XXXX XXXX on XX/XX/2023, To my XXXX account XXXX. XXXX has managed to close my account without any further explanation with a balance of {$5000.00} attached to it. I had several cases opened regarding the delay of my deposit. At first, I was told to wait until the XXXX, and then I was told the XXXX. Now, as of today, I can't log in to my account as if it doesn't exist. I received an email stating that my case ID was updated, but now I can't even log in to my account, and I believe they have canceled it. Attached below are the documents stating a delay in the payment as well as the case ID number regarding the payment delay. This was the last email that I received from XXXX but I am unable to login to the account to view the message because they closed it.
Product: Credit reporting or other personal consumer reports

I have enclosed proof from XXXX XXXX and also XXXX XXXX court these are not my Bankruptcies!!! Transunion is in direct violation of code 15 USC 1681, 1682!! This is not my bankruptcy!!! 
XXXX XXXX Its an error of mistaken identity and it should be immediately deleted!! XXXX XXXX XXXX stated they have not verified anything with Transunion therefore, this is an error or a lie!! XXXX has verified I dont have any bankruptcies they are in direct violation and Im also entitled to compensation for the fact that they lied and compromised my integrity my character and caused me to be denied due to the error on my report!!! Delete this immediately or I will contact my attorney!!! Supporting documentation enclosed! 
Transunion XXXX  Screening should also compensate me!!!!
Product: Credit reporting

I have a charge off in my credit report. I have paid the balance with XXXX. They told me they would report to the credit Bureas to change the remarks from Charge off as bad debt to pd in full as agreed. Since the payment company has said the sent the info to Experian, But i have called Experian a few times with the response they can not change my report. I have been working hard to pay past debts. Going forward maintaining a good credit history.
Product: Debt collection

Purchased an add-on with my loan. When I requested to put in a claim for the few months I was out of work, I was told it wasn't covered. It was XXXX insurance and I had a temp XXXX. No explanation why just that it didn't cover it. When I asked to cancel the add on for my {$900.00}? charge for it, they never did and it's still not removed and credited to me. In the last 2 months, I received over XXXX calls from an agent in their office and robocalls from multiple different numbers. They start to call before their grace period ends. I've told them multiple times to stop calling me, I know it's due and I'm paying it and they still call even that same day they were told.
Product: Vehicle loan or lease

I had a XXXX XXXX XXXX XXXX repossessed by Wells Fargo in XXXX despite having a payment plan set up with them due to financial hardship and owing less than {$2700.00}. The payment plan had been agreed upon and I received no warnings at all. I had been making on time payments since XXXX until the pandemic hit and had a balance left on my loan of only {$2600.00}. I believe my car was illegally repossessed since I had spoken to multiple representatives about the payment plan I had in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to you today to request the immediate removal of the fraudulent accounts and information being reported on my Credit File. 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 accounts 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 accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX, XXXX Account # XXXX, has violated my rights. 

XXXX 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions In accordance with the Fair Credit Reporting act U.S. DEPARTMENT OF EDUCATION Account # 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

This number : XXXX, is messaging me pretending to be Chase Bank in an attempt to phish my information. They have used a different number before and successfully phished my information. I would like them to be investigated and stopped.
Product: Credit reporting or other personal consumer reports

TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account in my name. This unauthorized account have been reported to the XXXX major credit bureaus : XXXX, TransUnion, and XXXX. Details of Fraudulent Activity : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : This unauthorized account have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm, DESIRED OUTCOME : PLEASE REMOVE ACCOUNT FROM CONSUMER XXXX CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX XXXX Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona XXXX XXXX
Product: Debt collection

This debt of {$100.00} is not my bill. This debt was bought by another debt collector XXXX XXXX XXXX XXXX in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX   when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting multiple missed payments to my credit report. I made multiple arrangements with them and was assured that this wouldnt happen. The vehicle has been paid off well before the due date, and despite my best efforts I cant get them to change the reporting which is ruining my credit. Whats more is that I didnt purchase the vehicle from XXXX, I purchased it from XXXX XXXX which was then bought out by XXXX. When the change of company was made, they inadvertently turned off my autopay in XX/XX/2018 which caused me to be late without my knowledge. No one has been helpful fixing this for me and they dont seem to care.
Product: Debt collection

I received a letter for account number ( unknown because I couldn't read the letter ) at address XXXX XXXX XXXX, XXXX, California, XXXX, that was confusing and inaccurate because it was sent in XXXX. I have no idea what the letter says because I do not speak XXXX nor do I understand it. Was this letter sent in XXXX because my last name is XXXX? Why did Midland Credit Management send me a letter in XXXX based on my last name? I feel these were discriminating assumptions and I'm ready to file a complaint with the XXXX XXXX XXXX and the Federal Trade Commission. I've attached the letter that was sent and signed by XXXX XXXX? Does he speak XXXX? If so, I'd like him to contact me so I can get an explanation.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased XXXX dollars worth of XXXX outdoor wear from a merchant Name Reliable FB E-Commerce. I never received the items that I ordered. I got a random damaged pair of XXXX XXXX sunglasses, which is what I assumed they used to get their delivery notice. The company was not and has not been responsive. I submitted a claim through my credit card, XXXX. They credited my account then withdrew my credit. Then the credit was reapplied. I called to offer my concern and they said I was past the time limited on a letter I had received which I was working from home and homeschooling my children, I missed the date. I never received what I ordered from Reliable FB E-Commerce and I would just like my XXXX dollars back. Best, XXXX
Product: Debt collection

I called this company back after receiving multiple harassing calls about this debt. I was told its going to report to mt credit i was asking for validation of the debt and did not get that. Then it was placed on my report. 

Credit collection Service Account XXXX
Product: Credit reporting or other personal consumer reports

Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. Account Name : XXXX XXXX XXXX, Account Number : XXXX. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the F
DCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Debt collection

Original debt was to XXXX XXXX XXXX for {$250.00} was paid on XX/XX/2021 by check # XXXX. Now a debt collector has reported a collection of XXXX to credit reporting agencies. I have no idea why the amount is higher, and also the bill was paid directly to the dentist in XXXX of 2021.
Product: Credit reporting or other personal consumer reports

I can count about seven times for this incident on my XXXX XXXX account and my XXXX account. Its a little too much to go through but if I can find it, I will submit the information if you can you could just check my information youll see that I use XXXX for over seven years. Let alone it was reported and accurately on my report. I need this resolved as soon as possible. The fair solution is leading it immediately and compensate me for my loss.
Product: Credit card or prepaid card

Bank of America charges Foreign Transactions fees on XXXX transactions for vendors that have their parent company registered outside US. The fact is that XXXX already adjusts / charges the vendor for the currency conversion and as far as a US customer is concerned the credit card transactions are processed by XXXX and not the vendor themselves. This practice of charging foreign transaction fees of 3 % on such purchases by Bank of America visa credit cards is totally unacceptable & may be illegal as well. 

I would like the CFPB to look into this practice and take legal action on this to prevent future abuse by any large banking institutions going forward.
Product: Debt collection

I received a noticed from SLS who is a debt collector for XXXX, XXXX was the Original Creditor back in XX/XX/XXXX stating that my required loan payment will convert from interest only to principal plus interest as you enter the repayment period of your loan. This came as a shock to me because I was advised by several sources to refinance, and convert the loan to a FIXED rate which I did at the end of the first year before the bank or Lien holder starts to Rachet the loan if that 's the correct term. I believed that the loan was close to being paid off based on the number of years I 'd been making payments. I was also told that XXXX would not approve the Original loan unless I used my home as collateral. I move to the XXXX XX/XX/XXXX to start my early retirement. I contacted SLS by phone after receiving their letter of intent to try and make since of what was going on and learned that SLS documents stated that I was still locked into a ARM. That is where the problem lies. I 'm a US XXXX veteran and still hold my original Home Loan Guarantee from the Veterans Administration that I 've attempted to use since leaving XXXX XXXX. Now that I 'm retired on a fixed income I 'd like to use it to convert my primary mortgage to a VA loan. After the first year I was able to convert the HELOC from a ARM to a FIXED but after that SLS would not respond to the other bank where I applied. Since moving to the XXXX I 've misplaced the documents showing that I refinanced to a FIXED rate after one year. Communication with SLS has been almost impossible because they have refused to send my mail here. They refused to post important information on their Web site so that I can respond. There are times when it 's taken over 2 months to get my mail transferred from my residence in XXXX, XXXX to my residence here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX Account # 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 or other personal consumer reports

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

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

I demand the late payment reported in those account to be removed.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this inf
ormation was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

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

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

EXPERIAN : I HAVE SENT THE LETTER THAT THE COLLECTION COMPANY SENT ME STATING THEY THEY REQUESTED ALL 3 CREDIT BUREAU TO DELETE THIS INACCURATE INFORMATION ON MY CONSUMER REPORT THAT SHOULD HAVE BEEN DELETED. THEY ARE REPORTING WITH NO ORIGINAL CREDITOR. THIS IS VIOLATING MY RIGHTS AS A CONSUMER. THEY ARE REQUIRED TOB PROVIDE ORIGINAL CREDITOR INFORMATION TO ME. MY CREDITCIS IMPORTANT TO ME I BELIEVE IT'S BEING UNJUSTLY DEGRADED AS A RESULT OF THIS UNFORTUNATE ERROR. MY RIGHTS AE BEING VIOLATED UNDER THE FCRA.