23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I charged a deposit of {$710.00} to my Capital One credit card for the replacement of a small back porch. As I explained to their customer service, inferior materials were used by the merchant. After trying to resolve the problem with the merchant, on XX/XX/XXXX I reached out to Capital One to file a dispute. Im not sure if they understood my situation because after speaking to their customer service on XX/XX/XXXX, I was told that the information that I gave them had to be changed several times. They kept debiting and crediting the disputed amount as the months went by as well as sending me six conflicting letter. In their letter dated XX/XX/XXXX, additional documentation was requested to be received by XX/XX/XXXX. I received a letter dated XX/XX/XXXX denying the claim on the same day that I electronically sent all the emails with the merchant along with photos relating to the dispute. I called again, and was told at first they hadnt received anything, but after a while admitted that they had my documents. I dont believe that they understood my dispute that was not handled in a professional manner.
Product: Debt collection

I am here again to express my extreme concern and frustration with the reporting of an account on my credit file that does not belong to me. The XXXX XXXX XXXX account, with the account number XXXX and an open date of XXXXXXXX XXXX XXXX, is being inaccurately reported on my credit file, causing undue distress and XXXX I have already taken the necessary steps to dispute this account with other credit bureaus, who have acknowledged the error and have promptly removed it from my records. It is perplexing and disheartening that your bureau has not followed suit. I am a victim of identity theft, and it is essential that credit bureaus comply with reasonable requests to ensure accurate reporting. I demand that you conduct an immediate and thorough investigation into the accuracy and validity of the XXXXXXXX XXXX XXXX account on my credit report and take the necessary steps to rectify the error promptly. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

- FAILURE TO PROVE OWNERSHIP - FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Checking or savings account

I reported multiple unauthorized transactions from my Chase checking account via XXXX XXXX after my phone was stolen. Chase initially credited my account but later reversed the refund, falsely claiming that the transactions were authorized. Their investigation was flawed, as they approved XXXX transactions but denied XXXX others to the same recipient on the same day, minutes apart, without explanation. Chase provided an IP address and payment token but failed to verify whether my device was compromised or accessed from a different location. They did not provide full fraud analysis records, such as historical login data, device authentication details, or merchant responses. Additionally, instead of properly investigating, Chase suggested that I contact the fraudster directly, which is highly unprofessional. Chases investigation was inconsistent, and their refusal to refund my money violates Regulation E, which requires a fair and thorough fraud investigation.
Product: Checking or savings account

This account was originally opened with Washington Mutual Bank, as they were holding my mortgage. Chase purchased Washington Mutual and my mortgage and checking account was transferred to Chase. At the this time I was advised that the terms and conditions of my account would remain the same. My mortgage rate remained the same and my checking account did not incur fees, as long as the account remained open. I was told this again in XXXX when I paid my mortgage in full the I was grandfathered in and no fees would be accessed. Now Chase has advised that they are changing the name of my account and fees will apply. I went to my Chase branch in XXXX XXXX on XXXX XXXX XXXX on XX/XX/XXXX to advise the I am exempt from fees due too being grandfathered in. I spoke with a teller and the branch manager to no avail. They said Chase I taking all the grandfathered accounts, changing the names, and now fees will apply. My complaint was escalated to the Branch Complaint escalation group. Someone named XXXX called today from this group. He repeated the same as above. I want know why Chase can renege even though I have held up my end? Does their word mean nothing? I have paid my mortgage on time and in full, my account is stellar, no overdrawn checks, etc. I have been and am an excellent customer. I did not ask nor had any say in the purchase of Washington Mutual. Chase made a deal and they should honor their deal.
Product: Credit reporting or other personal consumer reports

Remove the following accounts from my credit report because they are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone XXXX XXXX XXXX Telephone. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyoyta financial Refuses to remove a charge off account from my credit Report for XXXX I filled out a id theft afadvat and filed a police report as well I do n't own a balance and my old address is XXXX XXXX XXXX XXXX nj XXXX not my current adresss of XXXX XXXX XXXX XXXX XXXX that this fraud debt is being reported under
Product: Credit reporting or other personal consumer reports

Identity Theft someone opened XXXX and Installment loan in my name i requested for XXXX XXXX and Transunion to remove it and verify the fraud and got no help in resolving the issue I was blocked from my XXXX XXXX to help the problem
Product: Checking or savings account

Dear Cash App Support, I am writing to express my deep concern and frustration regarding unauthorized transactions and security breaches on my Cash App account. I have been a victim of cellphone theft, and my account has been compromised, resulting in significant financial losses. I am formally requesting a thorough investigation and immediate resolution of this matter. 
Unauthorized Transactions The following unauthorized transactions were made using my Cash App debit card : XXXX. {$3000.00} USD XX/XX/scrub>/24 XXXX. {$3000.00} USD XXXX/XXXX/24 XXXX. {$2500.00} USD XX/XX/year>24 These payments were made to XXXX XXXX, a recipient I have no knowledge of or association with. I did not authorize these transactions, and they are a direct result of my stolen identity. 
Security Breaches There have been unauthorized logins to my account from other countries, including the XXXX. I have never traveled to these locations, which clearly indicates a security breach. 
Inadequate Investigation I am deeply disappointed with Cash Apps handling of this situation. My previous disputes have been automatically closed without proper review, demonstrating a lack of thorough investigation into these fraudulent activities. 
Demands for Resolution 1. Immediate Refund : I demand an immediate refund of all unauthorized transactions.

2. Proper Investigation : Conduct a thorough investigation into these fraudulent activities and security breaches.

3. Compensation : Provide appropriate compensation for the distress and inconvenience caused by this security lapse.

4. Chargeback : Initiate chargebacks for all unauthorized transactions. 
Supporting Evidence XXXX. I have filed a police report with the XXXX XXXX Police Department regarding the identity theft. 
XXXX. The transactions in question violate Cash Apps terms of service, as remittance services are not permitted. 
Conclusion My financial institution has denied my disputes because my name was used in the transactions. However, this is precisely because my identity was stolen, including access to my license and other identifying documents. 
I urge Cash App to take immediate action to resolve this matter, secure my account, and provide the requested refunds and compensation. Failure to address these issues promptly and thoroughly may result in further legal action. 
I look forward to your immediate response and resolution of this critical matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Professional Choice Recovery refused to identify their company after repeated specific requests to do so. They would only identify after threats of reporting to local law enforcement and state 's attorney.
Product: Checking or savings account

I went into wells fargo where I currently have an account and cashed my checks and they provided me XXXX fake XXXX dollar bills I returned to the bank to advise the manager and have them pull the camera and the manager offered me no help n told me to call the secret service, i phoned customer advocate for wells fargo they said I needed to handle it in the branch so now I am out XXXX
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to Comenity Bank, yet Comenity Bank is not removing this fraudulent account. Comenity Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. Comenity Bank XXXX / XXXX.
Product: Money transfer, virtual currency, or money service

I contacted my bank to issue a refund but they couldnt help me. Since the transaction was authorized they said they couldnt get my funds back. I got scammed out of {$500.00} dollars through XXXX and I think it was unfair. Sure I did send the money but I thought I was going to get my goods as promised. But of course, it was a scam and it worked unfortunately. The transaction took place on XX/XX/21. Im really hoping I could get these funds back because losing half a grand isnt fun.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion along with the other two reporting agency are using predatory practices on my credit reporting, two times this week i have been denied credit once on my home insurance and the other trying to refinance my home, i have always paid everything on time never been bankrupt and have plenty of equity to qualified and an annual salary over {$100000.00}, i also been a victim of credit fraud reported by all 3, apparently this reporting agencies do not care about the well bean of the citizens of this country I'm XXXX years old work all my life, serve in the XXXX XXXX XXXX paid my taxes but apparently there is something wrong with the system, just because a few points on my credit score i can't qualify for anything all 3 reporting agencies have 3 different numbers, please somebody help me in how can i deal with this predators.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. According to the law, you and the data furnishers must certify all aspects of required fcrametro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms.
Product: Money transfer, virtual currency, or money service

I have used Venmo for several years. 
My bank funding sources randomly become blocked on the Venmo platform and Venmo 's response has been to use another bank. They provide no explanation nor solution other than to use another bank. 
I have used XXXX XXXX  and XXXX XXXX  as my funding sources, and my accounts with those banks have been successful in using Venmo ( for months at a time ), then all of a sudden, my transactions using those banks, become blocked. No reason, no explanation and no solution has been offered by Venmo other than to use another bank. 
I have used 3 different accounts that I hold at XXXX XXXX  and XXXX XXXX  and I find this to be unacceptable. 
I have called my banks and both say the problem is not on their end and in my contact with Venmo, they say to try again or use another bank. 
I am being discriminated against for unknown reasons and I want my bank accounts with domestic US financial institutions to be accepted for transactions ( again, they worked for months, are valid, but now, all of a sudden, Venmo has blocked them ). 
My most recent request # with Venmo for this issues is XXXX. 
Please assist.
Product: Credit card or prepaid card

On XX/XX/XXXX of 2022 to XX/XX/2022 I was XXXX, during that time I was a victim of fraud. I have many disputes everywhere and they have all been in my favor so far, through investigation I found out that XXXX XXXX XXXX stole my identity open accounts everywhere, did a lot of fraud with my name and my credentials. One of mean American Express when I went to XXXX I left my American Express paid off, I had it set to be automatically payments every month, this person went ahead and charge American Express then went back into my XXXX account and made five manual payment in the month of XXXX equaling over {$14000.00}, XXXX XXXX found out about this situation and told me they were not liable. American Express was all they did was pay the bill. I had set up that way. 
American Express keeps giving me the runaround I have given them all the documents proof of XXXX the letter from XXXX from the investigation. They have all the documents needed. They keep telling me that they dont they dont but when I call they do in the promise me they will get back to me and nobody does, then a few days later, I get an email or a letter saying my front claim is closed due to lack of documentation.. I am not disputing my account that is now closed. I am disputing. The five payments made in the month of XX/XX/2022 equaling over {$14000.00}. I am enclosing a letter from the bank that gives you the routing number of the payments how they were made, this is all information that American Express has already, they have my phone number they have my account number they have my email and theyre saying that they can not get a hold of me which is a lie
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Account : XXXX XXXX This account is reporting inaccurate and incomplete across all 3 consumer reporting agencies. This is a violation of my rights and 15 USC 1681 s-2 as well as 15 USC 1681 e. 

After asking for method of verification from Transunion, XXXX, and XXXX whom have failed to provide any response. This account is reporting inaccurate according to the Metro 2 Compliance Standard. 

After stating the account has been updated or verified, how is that possible if the account numbers are different, as well as different open dates, different payment history, and last activity dates are different as well. This shows the account is incomplete and inaccurate. 

I also mailed XXXX XXXX XXXX and they have failed to provide the information I requested. I requested Notice for validation of debt per se 12 CFR 1006.34c. 

I have attached below all Exhibits Certified Mail sent to data furnishers of information below. 

This account needs to deleted from my account because it is incomplete and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax are reporting inaccurate and false information on my credit report. 

XXXX is reporting XXXX XXXX XXXX XXXX XXXX, MD XXXX that address would removed and put back on. I have also never lived at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. 

XXXX has reported that an account for XXXX XXXX with last date reported XX/XX/XXXX, XXXX  and Equifax doesnt show enough information for the XXXX XXXX account. Theres no balance, no high credit limit, the date of last activity for XXXX is XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX is showing the dates of last active as XX/XX/XXXX on XXXX, how can that be if I filed bankruptcy years ago with this account?? XXXX and Equifax doesnt have enough information about the count. Hey he dates of last activity are all mixed up, theres no information about the credit limit or anything. 

XXXX XXXX is showing that the account with XXXX was last active on XX/XX/XXXX. This is incorrect. Equifax is showing last active of XX/XX/XXXX and doesnt show balance for $ XXXX  doesnt show any information on payment status or credit limit. There nothing showing what type of account it is. All this information doesnt seem like it has been verified because theres so much missing information. XXXX. Shows that the account wasnt opened on XX/XX/XXXX and XXXX and Equifax show Date opened on XX/XX/XXXX. What information is accurate?? 

XXXX is postponing XXXX as open account type but the account status says closed. The accounts also show that theres no high credit limit but theres a balance due of {$84.00}! How can that be. Date last active is incorrect as well. 

XXXX XXXX is showing for Equifax incorrect and missing information. Theres no balance for no high credit limit, no credit limit. XXXX shows account status as other but XXXX shows as closed. XXXX also has the account as last reported on XX/XX/XXXX and a XXXX shows XX/XX/XXXX. What is correct? Why is all the information reporting differently? 

XXXX XXXX is showing for Equifax that the account is indeterminate? Who is verifying this information? The account type is left blank, high credit limit is left blank. There is too much information left blank. 

Equifax is posting that I have 2 dismissed chapter XXXX and one dismissed Chapter XXXX. They are all missing information Reference numbers are wrong for The chapter XXXX. They also are saying I filed at US DISTRICT COURT that is incorrect. The status is missing, the date settled is missing, the liability amounts are missing. 

For XXXX its showing that I filed a chapter XXXX at BK ... who is Bk? This information is inaccurate. The date settled for the Bks are incorrect. 

XXXX shows all inaccurate account reference numbers. Dates settles are incorrect. 

All these accounts are in violation of the FCRA. They have you provide me with how they verified any of this information which leaves me to believe that they are not conduction reasonable investigations or following then procedures or obeying laws. 

Please have them remove all the accounts listed below from each credits report. 

Thanks, XXXX
Product: Checking or savings account

A merchant accidentally charged me twice. I disputed the duplicate charge. Axos has blocked all transactions on my card from going through while the dispute is ongoing. They will not send me a replacement card, or unblock my account. When I try to transfer funds from this bank to another account so I can access they money, they are denying the transfers. It has now been almost a month and I can not get money out of my account. 

I have tried multiple times to call their support numbers, staying on hold for close to an hour. Each time, I end up getting directed to a different department and it goes in circles.
Product: Credit card

This is in regards to my previous complaint XXXX I guess I am more disappointed by the response than the original issue. Here is my response to CFPB about your so called " resolution ''. 

The response just shows how tone deaf these guys are. They have not addressed any of the issues I mentioned. 

The incident I mentioned was just the beginning and not an isolated incident. I have tried a few other charges and nothing goes through. So basically they have given me a credit card which is not usable at all. 

And I asked a very specific question about how can I meet the {$500.00} spend criteria if they wo n't allow me to use the card. And this is how they respond. 

" Your correspondence also expressed concerns regarding the promotional offer that was provided to you at the time you applied for this account. Our records indicate that your account was established on XXXX XXXX, 2016, under a promotional offer which extended a {$150.00} rewards bonus after you spent {$500.00} in net purchases on your card within the first 90 days of the account opening. We understand that you were expecting to meet the spend requirement for this offer with the above referenced transaction at XXXX which ultimately was not Cardmember Service, XXXX. XXXX XXXX, XXXX, ND XXXX processed. Please be aware that you have until XXXX XXXX to fulfill the required spend amount of {$500.00} '' She has basically copy pasted the terms and conditions of the spend criteria. In what world and how does that answer the very specific question that how can I meet the spend criteria if you wo n't let me use the card at all?? This is just insulting that you get these kind of answers from their so called " Office of the President ''. 

To summarize, My card is still not usable at all, so that issue is not addressed I have no way to meet my spend criteria because of the above, so that issue is not addressed either. 

I guess I will keep filing more complaints till I get someone to actually respond. I have never encountered this kind of shameless behavior. i guess it was not just the customer service but the whole chain to the top is like that.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I've sent XXXX and Experian letters asking them to delete the inaccurate information they are reporting on my report, but they completely ignored me. They continue to report the inaccurate information on my credit reports which have caused me to be denied credit.
Product: Payday loan, title loan, or personal loan

Onemain Im filing a formal complaint on your company due to the fact that per the Fair debt practices act your company is in full violation of the federal law after reviewing my credit report I noticed that you failed to enter the required noticed of dispute on the tradelines that you are reporting on my credit report. XXXX   and XXXX have both Certified that you have indicated that the account is reporting correctly on my credit files. I beg the different due to the fact that you have violated the federal law but not entering the required noticed of dispute with out this information this can not report on the consumer report I will he sending in months of dispute with both reporting agencies state that you verified the information and it was your responsibility to note this anytime a investigation has been conducted via the credit reporting agencies and the creditor the way this looks to me is their was no investigation was conducted please delete this account from all four of the credit reporting agencies for violation of the FCRA you have hurt my ability to obtain jobs and to get anything in my name by your negative and inaccurate reporting. Let me know when you delete this tradeline as the law is very clear about 100 % reporting. So I can obtain a new and updated credit report. 

Onemain account number XXXX