23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX Acct Number XXXX, Opened XX/XX/XXXX, XXXX {$340.00} This account has resulted in a fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I was notified by a merchant that my card was inoperable due to transactions being declined as well as the inability to withdraw funds or pay bills using the account number and routing number. The issue that resulted in the blocking of alk account functions was originally due to a bank error in which the institute blocked the card temporarily to contact me and clarify transsctions. I confirmed the transactions and after a single transaction the card was deactivated. The bank then informed me that I contacted the bank shortly before the declined transaction to file a dispute for 5 transactions which were partially the transactions I previously confirmed, next the bank informed me that the account was unavailable for use and my card was no longer active and due to my request there would be a 10-14 day delay to receive a new card ; I was not given the option i which this bank for a fee of {$20.00} expedites the card to my home address. the bank refused to acknowledge that the activity was due to the bank error or an unauthorized person impersonating me to access the account. i requested the expedited service for the feature that allows the card to be tracked as well as to minimize interference. i have received no card as well as the account has been frozen with federal aid funds in addition to XXXX pension benefits and XXXX XXXX. The ability to reach customer support via a inbound call method has been restricted as my account information is nolonger being recognized.
Product: Credit reporting, credit repair services, or other personal consumer reports

WellsFargo Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted Wells Fargo Credit Card services via mail on XXXX XXXX informing them of an inaccurate account on my consumer credit report. The account is inaccurately being reported as a debt. The account number is XXXX. According to the credit reporting agencies the debt that was canceled has an amount of {$1300.00}. 

I informed them that they are violating my right to privacy and is in violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083 and 15 US. Code 1681s2 by reporting my income which is inaccurately being reported as a debt on my consumer report. 

The company replied back asking for additional information to verify the account in question. I sent correspondence via mail on XXXX XXXX providing all the information that they asked for. They then replied with the exact same letter they sent the first time asking for the same information that I provided to them with the letter sent on XXXX XXXX. 

I contacted the credit bureau dispute resolution team via phone on XXXX XXXX and spoke with XXXX ( employee ID # XXXX ) and requested a copy of my XXXX form which would serve as proof that the charged off debt is not a debt but income. However she was unable to provide me with any information. I requested to speak with a manager or team lead and XXXX spoke with ( XXXX ) who stated that a XXXX form is only filed and given if a settlement for the debt was created. However this is a misrepresentation of information. According to XXXX XXXX XXXX - XXXX reporting for discharges of indebtedness by certain entities. 

I demand that this inaccurate information Account number XXXX in the amount of {$1300.00} date opened XXXX XXXX be removed from my consumer reports immediately as it a direct violation of 15 USC 6801, 15 USC 6802 ( a ) ( b ) ,15 USC 6083, and 15 US. Code 1681s2. 

In addition to the removal of this inaccurate information from my consumer credit report, I would like a settlement check in the amount of {$5000.00} in pursuant to 15 USC 1611. This law states Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I have put you on notice twice about the inaccurate information you are reporting leading to you willing and knowingly violating my rights as a natural person. I have provided both letters as an attachment to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently disputed about this XXXX  credit on all three of my credit reports Experian, XXXX and XXXX  on XX/XX/2020 XX/XX/2020 and XX/XX/2020. I haven't received any accurate proof about this account on my XXXX  and and Experian account. The amount owed is {$1100.00} but has not been verified on my XXXX  Experian or XXXX   accounts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against this creditor, who I believe has violated consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I kindly request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action, including the removal of the associated debt from my credit report. 
I have outlined the specific violations and concerns as follows : Re-Aging of Debt : Creditor has attempted to re-age a debt by reporting a more recent date of delinquency, which is a clear violation of the FCRA ( 15 U.S.C. 1681c ). This re-aging misrepresents the actual delinquency date and has resulted in the debt remaining on my credit report for an extended period. 
XXXX and XXXX Practices : XXXX has engaged in harassment, false statements, and abusive practices in their attempts to collect the debt, in violation of the FDCPA ( 15 U.S.C. 1692d ). These practices include false representations on my credit report with their abusive practices. 
I have enclosed copies of relevant documentation to support my complaint, including copies of credit reports that demonstrate the re-aging of the debt. 
I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into these violations by this creditor. Furthermore, I request that you ensure the removal of this debt from my credit report, as it has been inaccurately reported due to the re-aging and associated harassment. 
I appreciate your prompt attention to this matter and your commitment to protecting consumers ' rights under these vital consumer protection laws. Please let me know if you require any additional information or documentation to facilitate your investigation. 
Thank you for your assistance in resolving this issue.
Product: Checking or savings account

On XX/XX/XXXX I, XXXX XXXX, received a phone call from chase stating my business bank account has been compromised and a wire transfer for {$5000.00} has been made. After receiving that phone call, I told them let me call chase since chase never calls clients. I called the number on the back of my chase banking card, at this point I noticed the number that called me was the same number as the number on the back of my bank card. After being connected to a chase representative due to calling the number on the back of my bank card, they did inform me that a wire transfer was done for {$5000.00}. The person who is a chase representative then told me that in order to avoid over drafts you need to transfer money from my personal account to business account. Once that is completed we can do a wire recall to get the {$5000.00} back. After completing the recall I was told to wait XXXX hours and check my bank account the next day. On XX/XX/XXXX I went back into my bank account and noticed another wire transfer for {$4200.00} went out. This {$4200.00} was transferred into my business account to cover my upcoming bills which I was told to do by the chase representative. Now with {$9200.00} gone I went to the chase branch and spoke with the branch manager to resolve this issue. I was told by the branch manager since its a wire transfer, we have to contact the recipient bank to get your money back but the recipient bank may not give it back. After completing claims with chases fraud and scam department they kept telling me it will take XXXX business days to hear anything from the recipient bank. It has been 7 months now and I still don't have the funds back. I have filled complaints with the Office of the California General Attorney, FBI, and had a lawyer send chase a letter to responded back to. Took Chase a month to respond to these complaints. Chase response was that I was scammed and there is nothing I can do about it. Chase said I approved these wire transfers which is not correct. These wire transfers were not authorized by me and the scammer took over chases phone system, text message system, and duplicated chases phone numbers. I have documentation showing that the scammers duplicated chases system by text messages and phone calls. I even have claim numbers with the fraud and scam department I will attach to this document. I have information of the recipient bank which was XXXX XXXX out in Texas and account numbers of the recipient. Once I found out it was XXXX XXXX who received the funds I went down to the branch because I was told the Wire Transfer was made in my name to a XXXX XXXX bank account in my name. I do not have a XXXX XXXX bank account and when going to the branch to have them look into that account they told me I do not have an account with XXXX XXXX. Therefore, the result I am looking for is to get my funds back in order to keep my business up and running.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$500.00} was taken out of my account for XXXX that I didnt authorize I disputed it with my bank and they denied my claim
Product: Credit card

We booked XXXX round trip tickets from XXXX to XXXX with XXXX Capital One credit cards ( paid partially with reward points and credit card charges ). During our trip flying from XXXX to XXXX, we missed our flight due to mis-communication with the airline company. We contacted Capital One trying to resolve the problem because Capital One also served our travel agent. Since we called Capital One travel department during their non-business hours, someone from their Card Customer Service Department promised to help us. We planned to book XXXX way ticket with a different airline to replace the XXXX flight that we missed, so we can still keep the return flight with XXXX. However, the representative from the Capital One Card Service Department mentioned Capital One will able to refund us the whole trip with XXXX. Instead of purchasing another XXXX way ticket, she advised us to purchase XXXX full round-trip tickets with a different airline. She said Capital One can not refund partial trip, but they can refund full trip. Therefore, I should purchase full round trip tickets with different airline instead of just XXXX way trip. She also mentioned she will place a note on my account, so her co-workers will able to help when I call back for the refund. The next business day, I called Capital One to process the refunds that they promised. I was connected to their travel department first, then their card service department, then their specialist and finally back to their travel department. They transferred my call around for almost 2 hours, and they were not to honor what they promised originally. No proper documentation was input in my account. They recorded my conversation with the original representative. And they made me liable for the misleading advise that the original representative made. Instead of paying for one-way ticket from a different airline ( approximately {$750.00} ), we have paid {$1700.00} extra for another full round trip tickets. We have purchased XXXX set of full round trip tickets for the same trip due to the misleading advice from Capital One Card customer service. There is evidence from the conversation record in the system. And they are not willing to retrieve the record and be liable for the mistake they made.
Product: Credit reporting or other personal consumer reports

Dispute letter was sent to the Credit Bureaus in concern of inaccurate reporting on my credit report, after submitting the first dispute with no updated accurate information a second reinvestigation letter was submitted and still there was no adjustment to what I was asking.
Product: Checking or savings account

On XX/XX/2021 I received a call from Capital Ones fraud department, asking to verify my information on my employment to make sure I was eligible to receive the grants and eidl loans from the SBA. I spoke to the woman for XXXX minutes, she verified my information and said everything was good to go. On XX/XX/XXXX I received a {$14000.00} deposit for my eidl loan increase, the remainder of my total amount of {$19000.00}, my first amount was for {$4800.00} in XXXX or early XXXX. Prior to receiving the remainder of my loan I called and spoke to capital one again on XX/XX/2021 because I hadn't had my application approved by the SBA yet but the woman I spoke to previously, a month prior, already knew the amount I applied for so I was making sure they didn't mess anything up. They said that if I hadn't had my loan portal updated to approved then the deposit won't show as pending on my account, ok, fine, that makes sense, they said yet again that everything was fine. So on XX/XX/XXXX I received the call from the loan officer at the SBA and they approved my loan increase, I received the funds the XXXX of XXXX, like I said, then the next day at XXXX p.m. central time I received an email from Capital one that they had put a fraud hold on my account to verify my information and asked for tax returns and statements showing I received refunds, so I immediately sent it to them and after that I called them ... .yet again, only to get told that they're investigating me for fraud and should be cleared within XXXX business days. It's been a week. I have yet to hear anything back and have had literally every bill I have to pay returned because they've frozen my available {$7000.00} plus left in my account. Currently I am {$26000.00} overdrawn in an account that I used for everything because they put a {$34000.00} fraud hold on my account which is the total amount of the grants and eidl I received from the SBA. This is after they have talked to me twice before the hold and verified my information and said it was all ok.
Product: Credit card or prepaid card

Dear CFPB Officers, On XX/XX/2022, I have made a purchase on XXXX for an order that requires signature. My previous order was lost because XXXX left it unattended and did not collect my signature although XXXX said, " Signature required at time of delivery '' on its " Place Your Order '' page ( I also filed a complaint about it with CFPB moments ago ). This time, I decided to stay at home during delivery time frames to make sure my order was fulfilled correctly. 

An XXXX delivery guy threw my item in front of my doorstep and ran away, again. I caught him on his way, confronted him, and asked him why he did that although my order was classified as signature required. He asked if I still want it or not, he said he did not have time, and if I don't want it, I can give it back to him. Frustrated, I decided to open the package to make sure it was OK as he threw it violently. Surprisingly, I realized that was not I ordered although the name on the package is mine. 

I asked him about this, inspected the package with him, and asked him to be my witness in case XXXX argue about this. The XXXX delivery guy took out his phone, called somebody that seemed to be his manager, and asked me to talk with him over the phone. The " manager '', together with the delivery guy, encouraged me to return the item for a full refund. Importantly, they assured me that I can return it to the delivery guy right at the scene. I doubted a little bit, but still agreed to do so. 

All of the incidents are recorded using my cellphone since I was recording a video for my friend to look at my house at that time. 

I also believe that the video is a proof of returned merchandise since it shows that XXXX delivery guy left with my returned item on his hand. Besides, the video proves that the item I received was different than what I ordered on the website, and XXXX delivery guy left my package unattended, again ( despite the fact that my order was " signature required '' ). 

I have provided XXXX as well as Synchrony Bank all above information and asked for a full refund. Again, they refused to do that and kept asking me to provide the tracking info of the returned merchandise, which is not applicable in this case. 

As in the previous complaint against XXXX and Synchrony, they kept repeating one thing and ignore all my points although I sent them the proof of returned item and wrong item delivered. 

XXXX must seriously take the major issue of not collecting customers ' signatures for signature-requiring-orders. With some research, ones can easily find that many customers also caught XXXX delivery guys signed for customers or marked the order as " handed directly to resident '' although the order was left unattended. I have friends working in XXXX XXXX delivery department and they also confirmed that this issue is true and happens all the time.
Product: Money transfer, virtual currency, or money service

I was reaching out about a recent phishing attack through my email that caused a cybercriminal to withdraw around XXXX XXXX dollars from my coinbase account in which coinbase has since done nothing about. I understand there has been a series of cyberattacks against coinbase users and wanted to report my incident as well. There was an email sent that imitated coinbase and asked me to verify my account. Within minutes, my XXXX dollars was deducted. This incident occurred on Fri, XX/XX/XXXX at XXXX XXXX.
Product: Student loan

My billing emails arrive a day after the bill is due. For example, I received an email on XX/XX/2019 when the bill was due on XX/XX/2019. I find this unacceptable.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XXXX i sent dispute letter to Wells Fargo concerning account # XXXX about the method of verification they used to determine the accuracy of this account. They failed to respond to my disputes and it has been over 30 days which is a FCRA violation.As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.
Product: Student loan

So, fresh out of college working as a XXXX XXXX in New york barely making enough money to keep up with my {$1000.00} rent and federal and private loans and other expenses. It has been hard for me to save money. Sometime I end up only have {$20.00} left after I pay all my bills and loans. Sallie mae doesnt offer anything else lower than the $ XXXX payments and the interest of % 14!! Doesnt help either. Its basically like I pay my loan the interest just keeps adding up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was not provide any documentation showing this is my debit. i open any inverstation with the credit companies and never receive any proof that this is my debit. But they are still reporting Account name XXXX XXXX XXXX Account number XXXXXXXXXXXXXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6600.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$6600.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX This letter below was sent to the three credit companies XX/XX/XXXX Dear : According to the fair Credit Act, Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for the reporting service could fax, mail, or e-mail a fraudulent account. 
I demand to see verifiable proof ( an original consumer contract with a signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. 
I demand the following accounts to be verified or removed immediately 1. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Account # XXXX Unverified Account Please remove all non-account holding inquiries over 30 days. 
After you have finished my request, send me a copy of my credit report reflecting these changes. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was in receipt of a notice from XXXX XXXX XXXX that they were trying to collect a debt allegedly owed to an apartment complex. My attorney, on my behalf, sent a letter to them dated XX/XX/XXXX, notifying them of the fraudulent account and urged them to cease and desist all collection activity. Fast forward to XXXX of XXXX and I discovered I was not able to rent an apartment due to this collection showing up on my credit report. I have disputed multiple times with the credit bureaus to no avail and my attorney gave every opportunity to the apartment complex and XXXX XXXX to remove/block it. To date, that has not been done. On XX/XX/XXXX my attorney, on my behalf, filed suit in small claims court against the apartment complex. Still later, that attorney has had numerous communications with the manager of XXXX XXXX, providing ALL relevant documentation and giving them the chance ( s ) to remove the reporting of this fraudulent account. As of this time, they continue to certify it to the credit bureaus despite knowing its fraud. My attorney has drafted a federal lawsuit against XXXX XXXX, which will be filed should they still fail to cease reporting. XXXX XXXX has continually violated my rights under the FCRA by failing to conduct an independent investigation and siding with the lender simply because it is financially beneficial to do so. Every attempt they have made to collect this bogus debt is another violation of the FCRA and constitutes unfair trade practices at the very least. I have included all relevant documentation/ court records for proof.