23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Yesterday we found {$4900.00} in fraudulent ACH Debits taken out of our personal checking account at XXXX XXXX from XX/XX/2018 to XX/XX/2018. They were all through Paypal eChecks or Instant Transfers. Upon calling Paypal, we discovered there was another Paypal account set-up by " XXXX XXXX '' using our bank account information ( none of these transactions came out of our own Paypal  account ). Paypal immediately suspended the other account and has told us that they are willing to refund us for fraudulent charges of the last 60 days, but that our bank would need to submit an ACH reversal to do so. 

When speaking with XXXX, they are not willing to do an ACH reversal for the last 60 days, only the first 60 days after the first fraudulent ACH debit. When we initially spoke with our bank about the fraud, we flagged all Paypal charges as being fraudulent ( since XX/XX/XXXX ), although a few hours later we spoke with Paypal and realized that the XXXX and XXXX charges were not fraudulent ( we had actually made these ). Therefore, only charges since XX/XX/XXXX were fraudulent and we immediately informed XXXX. XXXX has since refused to change the date of ACH reversals to XX/XX/XXXX, as it should be, and they are not willing to submit ACH reversals for all fraudulent transactions even though Paypal will accept the ACH reversals the last 60 days ( XX/XX/XXXX - XX/XX/XXXX ). This obviously leaves us in a very tough position, as we will lose out on the majority of our money as the two 60 day periods do not line up! Upon doing research online, this also appears to be a very common fraud problem for consumers that use both Paypal and XXXX. 

What's the value of your claim ( in US $ )? {$4900.00} Date of transaction/travel date : XX/XX/2018 to XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX regarding their failure to properly validate and verify an account listed on my credit report. This complaint pertains to violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX has failed to provide adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they did not supply sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA.
Product: Vehicle loan or lease

I am filing a formal complaint against Capital One Auto Finance for severe violations and exploitation that have resulted in financial and emotional distress. During my vehicle purchase, an employee at the dealership falsified my loan application, leading to the approval of a fraudulent loan. While this employee was terminated, Capital One failed to rectify the harm caused by this act. 

During my XXXX XXXX XXXX  proceedings, my attorneys negotiated with Capital One to prevent repossession. Despite this agreement, my vehicle was unlawfully repossessed, forcing me XXXX XXXX over XXXX hours to retrieve it. Upon retrieving the vehicle, I discovered that crucial safety features, including the airbags and horn, had been removed, rendering it unsafe for my family. 

Furthermore, Capital One has made demands to take half of my XXXX check as payment, which I can not afford and should not be obligated to pay, especially considering the unlawful repossession and tampering with my vehicle. I brought this matter to my law firm, XXXX XXXX, who failed to act and became unresponsive when I tried to discuss the issue. 

As a XXXX single parent with mental health challenges, I am requesting : A full investigation into XXXX XXXX practices, Financial compensation for the distress and harm caused, Immediate measures to ensure I am noXXXX XXXX XXXX XXXX XXXX  due to my XXXX or XXXX  XXXX  XXXX, The issuance of a no-contact order to protect my safety from further intimidation or harassment.
Product: Mortgage

I opened a new bank account and accidently made a principle only payment with the old account. I was charged a {$20.00} return payment fee. This is my first incident and Roundpoint refused to wave the fee. This is not common practice as I have never had an issue with my previous mortgages. In addition, I am not able to reach a human when I call ( please try it yourself ), and there is no phone app, this company seems like a scam.
Product: Credit reporting or other personal consumer reports

I am the victim of the XXXX and XXXX data breaches from XX/XX/XXXX, which compromised my personal information, due to Identity theft and the negligence of XXXX and XXXX. 

Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) a business XXXXXXXX XXXX account opened on XX/XX/XXXX under the account number ( private ), and a XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( private ), they appear to be related to the aforementioned closed charge off accounts. These accounts have not resulted in any fraudulent hard inquiries, however, fraudulent collections, late payments are appearing on my consumer FICO credit report. I've attached a list of the closed accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) 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: Credit reporting or other personal consumer reports

SunTrust Bank and Truist Bank is reporting a fraudulent account that I did not open under my name on XXXX XXXX XXXX report. The account number number is XXXX that has been reporting under XXXX XXXX XXXX, and XXXX XXXX XXXX. Attached is the FTC Statement that identifies this account as a fraudulent account opened using my personal information.
Product: Bank account or service

Chase Bank ignored me when I contacted them by phone approximately two weeks after the charges [ appeared ]. Chase promised me that they would refund the money to my account. Because I got sick I was unable to verify or confirm if they had done what they said they were going to do. I trusted their word, but unfortunately they never refunded the money. After some time had passed I called them again, but they ignored me. My XXXX is not very good, but I do understand and they treated me with discrimination. After some time I called them again. Then they sent me a letter saying that the dispute was outside the time frame even though I explained to them that I WAS NOT PLACING A NEW DISPUTE ; I WAS CALLING TO HAVE THEM FIX THEIR MISTAKE. APPARENTLY they purposely, maliciously and conveniently continued to ignore me since the beginning to invalidate my rights as a consumer. I am closing the account but before I do I need them to honor their word and do as they said. They should not mock me in that manner just because I am a XXXX.
Product: Payday loan, title loan, or personal loan

I applied for an SBA loan through my credit union, Mountain America credit union, and the SBA Coordinator did not comply and send my application to SBA.When I asked for an adverse action and she did not provide one as Mountain America Credit Union denied my application before ever sending it to SBA directly. So I applied for a personal loan and was approved, all though when I asked for an increase they denied me. I also got a denial of a home mortgage loan though Mountain America Credit Union.

My credit score is high, I've NEVER been delinquent on any past or current accounts. I believe it is discrimination at first hand and I have proof they broke several federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX/XXXX   XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit card or prepaid card

Chase Sapphire Preferred card advertises that you have XXXX points or {$960.00} to use towards a ticket purchased on their travel site but when you try to buy at the published price you find a system error call a Travel Advisor. As you call you are informed that the airline have changed the price and the new price is, coincidentally, the same as original PLUS {$960.00}!!!

I declined the. Purchase and went to the airline webpage where i could purchase at the original price posted and CHASE Travel site In other words, Chase, dishonestly, maneuvers the prices on their site in order to nullify your rewards buying power
Product: Debt collection

I have tried to work with Navient regarding my defaulted student loans for the past 2 + years. I have submitted for a Income-Driven/Based Repayment Plan ( IBR ) and was rejected for a lowering on my loans like the Department of Education had done in the past as the decision was only based on income and not on any of my bills that I must pay monthly. I have asked repeatedly to have this process reworked only to hear no and just a continuation of billing for an amount I can not pay! The last time I requested this was in XX/XX/2018 & was informed on XX/XX/2018 that " Our records confirm that your IBR request was denied on XX/XX/2018 because your financial circumstances do not meet the federal definition of " partial financial hardship '' required for enrolment in the IBR Plan. '' They have offered a reduction in payment to {$71.00} for 24 months which is still outside the amounts I can financially afford. And with everything increasing in cost and employers not offering much in wage increase only causes more financial & mental distress to the point I can not even think clearly at work!
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm INC is reporting incorrect information to my credit report. 

-Two year payment history in correct and incomplete. 

-Last payment is incorrect.
Product: Student loan

My student loan payments are due on the XXXX of every month and since I am paid semi monthly, I typically pay my student loans on the XXXX. It is usually an easy process, I login into

Mohelas website and process the payment. For the past 3 months, I have received a letter in the mail stating I missed a payment but thankfully I have the email confirmations and the payment posted on my bank account to confirm this is not true. On the letter it states to call if I have any questions but I do not do so because it is impossible to reach anyone on the customer service line. The reason for my complaint is because this month Mohela began to transition to a service platform and completely disabled the only way to make a payment. I received no communication from mohela about how to make a payment during this time. So you can imagine my surprise when I logged into the portal
on XX/XX/XXXX ready to make a payment, and the website offers no information except for youll receive an email when the new platform is ready. I began calling on XX/XX/XXXX and XX/XX/XXXX before my payment was due to discuss what would be my options to make a payment. It takes nearly 5 minutes to get through the service menu and then stated my wait time would be 15 minutes. Around minute 6 the music stops and the call goes silent with no option to return back to the menu. I continued to call on XX/XX/XXXX with the same luck. I am now being told that the only way to make a payment is to mail a check. In this day and age, USPS is unreliable and with many American already struggling to make student loan payments, our only option is to hope and pray our check gets there? Additionally, there was no communication about this beforehand meaning I will not suffer the consequences of making a late payment when I have done everything in my power to make sure I stay on track. This is completely unfair and wrong!
Product: Debt collection

PHOENIX FINANCIAL SERVICES has never sent me anything in reference to these accounts. I believe these accounts are reporting in error. They seem to be duplicate reporting, and I understand that is something this company is extremely well known for. I demand justice! Phoenix can not report the same account with the same balance twice! Please help me!
Product: Credit reporting or other personal consumer reports

I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Account Name : XXXX  Account Number : XXXX Reason for Dispute : I did not authorize this account there is no contract baring my wet signature this must be deleted. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. 
Sincerely,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information that has been reported to your agency by XXXX XXXX, which has severely damaged my credit standing. I have always been a responsible consumer, consistently paying my bills on time, including those to XXXX XXXX. 

In XX/XX/XXXX, I switched to XXXX XXXX 's XXXXXXXX XXXX XXXXXXXX program with the understanding that it would result in cost savings, as my family is away from home during the day and uses major appliances primarily at night. However, XXXX XXXX inaccurately reported that my energy consumption was higher during the day. I contacted XXXX XXXX multiple times, requesting an investigation into these discrepancies. Despite their promises, XXXX XXXX never provided any findings or resolutions. 

In XX/XX/XXXX, I relocated from Texas to New Jersey and prepared my house in Texas for sale. Despite the house being unoccupied, my electrical bills continued to exceed {$200.00} per month for day usage. During XX/XX/XXXX to XX/XX/XXXX, this persisted, and my requests for investigation were met with further unfulfilled promises. 

Subsequently, I switched to another provider, Rhythms, due to XXXX XXXX 's ongoing inaccuracies and excessive charges. XXXX XXXX then imposed an early termination fee, bringing my total bill to {$530.00}. Amidst this dispute, my mortgage company conducted a hard credit inquiry XXXX days after XXXX XXXX reported to your agency, causing my credit score to plummet from over XXXX to XXXX. 

Upon contacting XXXX XXXX, a supervisor named XXXX XXXX contacted via their customer service ) assured me that if I paid {$380.00}, he would provide a letter within 24-48 hours confirming the account was paid in full and acknowledging the incorrect billing address. I complied, but no such letter was provided. Further attempts to resolve the matter included communications with their consumer executive office, where a representative named XXXX ( phone : XXXX ext. XXXX ) promised to investigate and call back but never did. Another representative, XXXX ( phone : XXXX ext. XXXX ), eventually told me that the supervisor had provided incorrect information and that there was nothing more she could do. 

This inaccurate reporting has significantly impacted my ability to secure a mortgage at the previously quoted rate, causing undue financial hardship. As a credit reporting agency, it is your responsibility to ensure the accuracy of the information provided by businesses. The erroneous data from XXXX XXXX is now detrimentally affecting my financial standing. 

I request that you investigate this matter thoroughly and correct the inaccurate information in my credit report. Additionally, I have filed complaints with the XXXX XXXX XXXX  and reached out to media outlets to bring awareness to XXXX XXXX 's practices. 

I expect a prompt resolution to this matter and confirmation that the erroneous information has been removed from my credit report. Please update me on the progress of your investigation and the actions taken to correct these inaccuracies. 

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally address several violations of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts listed below have been mishandled : 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 Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my XXXX credit report on XX/XX/year>, I noticed several inaccuracies and incomplete entries. According to the Fair Credit Reporting Act ( FCRA ), when a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual ( 15 USC 1681e ( b ) ). 

Furthermore, according to 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to promptly delete or correct any information found to be inaccurate or incomplete after a reinvestigation. Specifically, they must : 1. Promptly delete the inaccurate or unverifiable information as appropriate based on the results of the reinvestigation. 
2. Notify the furnisher of the information that the data has been modified or deleted from the consumers file. 

Additionally, under 15 USC 1681s-2, furnishers are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

I request that the necessary corrections be made to my credit report immediately, and that I be informed of the actions taken to resolve these issues.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Ace cash express and fell behind in payment. During that time I called to them to revoke access to ACH as I did not have the funds. I called on XX/XX/XXXX and signed documents. I called XX/XX/XXXX after noticing that they have taken XXXX out of my account and they have no knowledge of it also I have never called to give them permission to take it out and they did
Product: Debt collection

I had a fire in my apartment on XX/XX/XXXX and all of my personal paperwork ( SS cards, financial statements, check and bank statements etc. ) for me and my son XXXX was burned destroyed in the fire along with furniture, clothes and everything we owned in it. I have a fire report and back up to show all this information. After the fire I had called the SS security office to alert about my number and my sons card being lost so that they can be on alert for identity theft. I also alerted the three credit agencies XXXX and XXXX too. In XXXX of XXXX, I was alerted through email through XXXX XXXX about my credit report about a Home Depot account being opened and right after that Home Depot called me to say my account was past due. I told them that I didn't open it and that it was fraudulent and they said they would take care of it. Recently, I was reviewing my credit report scores and notice that Home Depot was on my report and I called AGAIN to find out why and they said my son XXXX took out the account and sent orders to the address where the fire was and we no longer live at since XX/XX/XXXX. I am currently waiting for them to send me statements that DO NOT prove anything except Identity theft so that we can go to court to get this {$260.00} charge resolved. This company is a disgrace and the fact that they anyone can just open up an account concerns me and says something about Home Depot and how they protect from identify theft and their customers accounts.
Product: Debt collection

Ford Motor Credit Company Share information regarding vehicle and attempt to discredit my family credit. I purchased the Ford Focus after my car was destroyed in XXXX Parish. In addition, after resigning from XXXX XXXX XXXX XXXX the XXXX Pension and Benefits were delayed which payment of my XXXX XXXX XXXX. The XXXX XXXX was repossessed because I reported XXXX XXXX and corrporation with XXXX and XXXX personnel. I would like an investigation with the Toyota Dealership located on XXXX XXXX and Ford Motor Credit Company. I truly believe these activities altered my economy recovery. Also, I truly believe XXXX XXXX XXXX, XXXX, XXXX, XXXX and the State of Louisiana are aware of these issues. <P/>I truly believe the Louisiana School Board, City Counsel and Churches within the State of Louisiana may verify this criminal activities. <P/>XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX may provide additional information. <P/>During the 3 past years my cars were destroyed, vandalized, and stolen while living in XXXX XXXX XXXX XXXX, TXXXX XXXX XXXX - XXXX, Louisiana, and XXXX XXXX XXXX, XXXX, Louisiana. <P/>Also, occasionally I am attacked by dogs when leaving my resident. <P/>Please contact XXXX XXXX for verification of resident. Also, please contact the XXXX Parish Sheriff Department for detail incidents reports.
Product: Credit card or prepaid card

This has finally been resolved, after my calling and complaining for weeks. Now I want to report CITIBANK XXXX Customer Service and executives for allowing a {$3600.00} fraudulent transaction made by XXXX Rent A Car for renting a car I rented for one day to continue to be charged for one month against my credit card. I called XXXX and wrote executive management and I called Citibank XXXX and finally wrote to its CEO. Both companies have had a major breakdown in their customer service protocol and each insists they handled my problem appropriately, as is commonly done and within protocol ... NOT SO!! It took weeks of complaining to get this charge off my credit card. XXXX has an internal allowance and acceptance of fraud. 

I ALSO WANT MY NEW CREDIT CARD WHICH I NEVER RECEIVED BECAUSE OF THE FRAUDULENT {$2000.00} NEGATIVE BALANCE ON MY ACCOUNT!!!!!