23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I received a text stating there was a suspected fraudulent charge on my account. I immediately called and as I was on the phone with a customer care agent, realized someone had hacked into my account, changed my email and phone number and was in the process of making fraudulent, unauthorized transactions on my account. XXXXXXXX XXXX XXXX transfer for {$1400.00} and one debit card transaction for {$4900.00} for a total of over {$6000.00}. It left me with XXXX cents. I was told it was very clear it was fraud since it happened immediately following a change in email and phone number on the account. We worked together to re-change the info, secure the account with new passwords and change passwords on all other accounts such as email, XXXX, etc. I was told I would get a call and/or email from the investigation team regarding the return of my funds within 3 business days. I have received nothing. I have called everyday and each day I am given little information. I can not obtain employee names or numbers of the customer care agents, I have been unable to talk to the fraud team, any investigator or any supervisor beyond the customer care line. I have been given a different timeline, account status, reasoning for the delay each and every time I have called. I am always told I will receive and email or call back with XXXX minutes, and I never do. I read on the website where they give provisional credits when unauthorized transactions are made and the investigation is pending, but I was told today I do not qualify because mine was a fraudulent transaction WHEN is an unauthorized transaction NOT fraud? It makes no sense. I have now been told nothing will happen on my account and that I need to try back Monday. I just need to know when and if I will receive the monies back so that I can adequality plan -- but I can not get any straight answer or timeline from these people. I do not know if my account is currently active, I do not know if deposits will be returned, I do not know if my account numbers will remain the same or change, I do not know if I need to change my direct deposits, I do NOT know where my XXXX is and I do NOT trust anything the customer care reps tell me, as they have not been forthcoming or honest yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed sum items that I proved was fraudulent and the credit bureau removed the items and put them back on my report after 30 days. My rights are being violated.
Product: Credit reporting or other personal consumer reports

A couple of months ago i noticed a few unauthorized inquiries on my credit report. I immediately called all three credit bureaus and notified them of the errors, however they have yet to delete these discrepancies off my report which is hindering me. I am writing to formally request your assistance in addressing fraudulent inquiries that continue to appear on my credit reports. Despite my diligent efforts to resolve this matter, these inquiries have not been removed by the credit bureaus, in clear violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I have contacted all major credit reporting agencies ( XXXX, XXXX, and TransUnion ) and provided them with all required and requested documentation, including identity theft reports and dispute letters. However, the credit bureaus have failed to remove these fraudulent inquiries, which is a direct violation of FCRA laws, including but not limited to : - **15 U.S.C. 1681b ( c ) ** : Permissible purposes of consumer reports Credit inquiries must have a legitimate reason, and these fraudulent inquiries do not.

- **15 U.S.C. 1681i** : Procedure in case of disputed accuracy The credit bureaus are required to investigate and correct or remove inaccurate information, including fraudulent inquiries, within 30 days.

- **15 U.S.C. 1681s-2 ( a ) ** : Responsibilities of furnishers of information Those reporting to the credit bureaus must ensure the accuracy and integrity of the information provided, including inquiries.

The continued presence of these unauthorized inquiries on my credit reports has caused undue harm to my credit score and overall financial well-being. I respectfully request that the CFPB intervene to ensure that these inquiries are promptly and permanently removed. 

Please let me know if you require any further information from me to expedite this process. I appreciate your attention to this matter and look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
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
Product: Credit reporting or other personal consumer reports

An account was opened fraudulently under my name and goods were purchased using my personal information without my consent. Ive asked for proof for I have not received any goods nor have knowledge of the purchases. Im a victim of identity theft and my accounts were misused. Ive submitted requested documentation from the bank themselves and have mailed them the same corresponding documents sent to the credit bureaus.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, during the process of attempting to purchase a vehicle, the dealership conducted a routine credit check. To my surprise, they informed me of negative entries on my credit history. Given that I had no prior reason to suspect issues with my credit, this revelation prompted me to investigate further. 

Utilizing the XXXX XXXX application, I meticulously reviewed my credit history. It was during this review that I discovered several accounts had been opened under my name, using my address and Social Security number. Alarmingly, these accounts had already been closed but were showing outstanding balances. 

This unexpected discovery in XX/XX/XXXX marked my first awareness of potential identity theft and unauthorized financial activities conducted in my name. 

( 1 ) Bank of America : Open Date : XX/XX/XXXX - Amount {$5900.00} ( XXXX ) XXXX  XXXX : Open Date : XX/XX/XXXX - Amount {$3400.00} ( XXXX ) XXXX  XXXX : Open Date : XX/XX/XXXX - Amount {$3000.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX trafficking, as a result I have debt bondage and have negative items on my credit report that need to be removed per FCRA 605C.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/17 I settled the account I held with XXXX XXXX. However the account still appears on my report with the payment amount, a status of open, and a balance.
Product: Checking or savings account

On XXXX XXXX XXXX  I ordered a printer through the XXXX website, from one of their affiliate vendors, and the order total was {$67.00}. I never received a confirmation email about the purchase, but my Discover Bank Debit Card was charged immediately. 

The vendor is listed as XXXX. The charge that appeared on my Discover Bank account lists the name of the vendor as XXXX 

I've contacted company through their support email address and received no response. I've tried calling their listed number many times and someone just answers the phone and hangs up. 

I contacted XXXX on XX/XX/2023 and spoke with 2 different customer service representatives, and they said they couldn't refund the money since the affiliate has left the transaction in " pending payment '' status. They also told me I could not speak to a supervisor as all the supervisors were in a meeting. 

I contacted Discover on XX/XX/ to have the charge reversed. They said that even though it turned out to be a scam, they could not reverse the charge because I used my debit card instead of a credit card. 

Attached is a PDF file that includes the email I sent to the company, the screenshots I took of the order as I was placing it. And redacted screenshots showing the transaction on my Discover Bank account.
Product: Debt collection

Hello, I am a victim of identity theft, I have tried numerous ways and times to communicate with the companies but have been shown negligence on their end! This account was not transacted by me! XXXX XXXX Account # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am being harassed over and over about this alleged debt that IS NOT MINE! With the numerous amount of complaints i have submitted i am positive i have enough for a lawsuit! I have been in communication with the consumer finance protecetion bureau, the XXXX, all three credit bureaus and the original credit for OVER TEN MONTHS FOR AN ACCOUNT THAT IS NOT MINE! I am in talks with an attorney and honeslty i just want to have this over with! Please do what THE LAW REQUIRES AND DELETE THIS TRADELINE FROM MY REPORT IMMEDIATELY!!!!!
Product: Debt collection

I have reached out to this company about their reporting, and given information on why this account is inaccurate. However, they continue to report and have not provided information about why this account is accurate.
Product: Credit reporting or other personal consumer reports

My information was exposed I think it was a data breach I see transactors on my credit report that were not done by me I also you see a open credit card for the amount of {$11000.00} a Capital One card XXXX times of XXXX XXXX XXXX {$160.00} and {$790.00} and XXXX XXXX
Product: Checking or savings account

Subject : Formal Complaint Against BancFirst for Unauthorized Account Changes & Misrepresentation Dear Consumer Financial Protection Bureau, I am filing a formal complaint against BancFirst, a CFPB-regulated financial institution, for unauthorized removal of my account ownership and misrepresentation that resulted in financial harm. BancFirst has failed to provide proper documentation justifying its actions and has rejected further correspondence regarding this matter.

Details of the Complaint 1 Unauthorized Removal as an Account Owner I am a XXXX % shareholder and treasurer of XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

Despite this, BancFirst removed me from the corporate account without my knowledge, consent, or proper corporate authorization. 

BancFirst has failed to provide any legal documentation proving my removal was valid despite multiple requests claiming they acted on directives from the corporate officer Which was instructed to remove me as a signatory but bancfirst went beyond scope to remove me completely from the account denying my ownership rights to the account and breaching its own account agreement on joint accounts ownership rights to notify and verify with all account holders of such major change to the account. 

XXXX Misrepresentation Resulting in Financial Harm BancFirst provided false information defaming me by stating that I had no affiliation with XXXX, during a home equity loan application despite my clear evidence of supporting documentation of my ownership bancfirst relied on letter that didnt authorize my removal as an owner but as a signatory which led to my loan application being denied and caused direct financial harm. 

This constitutes negligent misrepresentation and banking misconduct.

3 Failure to Follow CFPB-Regulated Banking Procedures BancFirst did not notify me before removing my ownership, violating standard banking procedures for account ownership changes.

When I requested legal documentation for my removal, BancFirst refused to provide any proof and instead rejected all further communication.

BancFirsts Response I have contacted BancFirst multiple times, and they have refused to acknowledge their wrongdoing, provide documentation, or resolve the issue. Instead, they issued a blanket denial of my claims without offering any legal justification or supporting records. 

Requested Action from the CFPB I request that the CFPB : Investigate BancFirsts failure to follow proper banking procedures. 
Require BancFirst to provide documentation justifying my removal.

Ensure BancFirst corrects its misrepresentation that led to financial harm.

Take appropriate regulatory action against BancFirst if violations are found.

This matter has caused financial harm and reputationadamage, and BancFirsts refusal to cooperate indicates a potential violation of CFPB-regulated banking policies. 

Please acknowledge receipt of this complaint and inform me of the next steps.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7900.00}, {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$7900.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.
Product: Payday loan, title loan, or personal loan

Had to get our transmission fixed in XX/XX/XXXX. Applied for credit for {$1500.00} through XXXX on XX/XX/XXXX. The manager said if we pay off everything by XX/XX/XXXX everything should be fine. He let us know that the payments would be {$200.00} a month. Come to find out it was at a 151.99 % interest rate for the next 24 months. We have now paid {$1400.00} and only {$91.00} of that has gone to the principle, leaving {$1300.00} paid in interest. I feel that in our time of need, XXXX XXXX  took advantage of us and we will pay more than double the amount of which we borrowed.We have paid on-time continuously and are left in debt because of it.
Product: Debt collection

I had an auto loan that I signed XX/XX/XXXX with CNAC. XXXX XXXX my income decreased by XXXX my car payment is {$390.00} for a XXXX Kia Rondo with a total balance of {$13.00} left ( Way over priced ) I have been late the past few payments and have explained myself multiple times to multiple people from this company but they are not willing to refinance. I tried to get another car through another lender and they called to get the pay off balance from CNAC and decided the amount is too much. I received a call from CNAC asking me if I ca n't pay for this car how will I pay for another one. I have asked them multiple times to stop calling me and to just come pick up the car but they continue to call multiple times a day asking the same exact questions and at first I would explain it over and over again but if I say one word different than the previous call they interogate me. For example " It shows right here that you make 3 times the amount of the car payment so why ca n't you pay for it again? I do n't understand because it shows here the last rep you spoke with you told them '' ... .etc.but continue to call multiple times a day asking the same questions from the beginning. It 's becoming harassing and I am now being told okay we will come get the car but the contract I signed I 'm still gon na pay them the full amount regardless so I might as well keep it. They call up to 10/times a day and if myself or my wife do n't pick up the phone they will call all of our references and disclose to them that we have n't paid our car note and are n't answering our phones. I am a XXXX veteran on a fixed monthly income who suffers from XXXX and this has really caused me have my XXXX with terrible XXXX. I am a victim of predatory lending and harassment and would like this nightmare to end. They say the program is here to help but the fact is I came to this loan because my credit was n't great and I really needed a vehicle. But the loan is predatory and the car is n't in good condition I had to drive XXXX miles multiple times to take it to get " fixed '' by the service center right after I got it. And if the program was here to help they would be willing to refinance and not try to force me to pay for something I ca n't afford.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a payment to XXXX Ads in the amount of {$1000.00} via XXXX, carefully selecting my XXXX XXXX as the funding source. When I logged into my Wells Fargo Checking account the following day I noticed I was overdrawn by over {$600.00} and charged an overdraft fee of {$35.00} for the {$1000.00} transaction that was only authorized to be charged to my XXXX XXXX. I immediately called XXXX to inquire about the incorrect charge and was advised that the XXXX XXXX declined the transaction so they automatically charged the bank account ( Wells Fargo Checking account ) I had on file, which I solely use to accept deposits from business sales. The customer service representative stated that if a credit card is declined they automatically charge a " backup '' account, which they stated was the Wells Fargo Checking account. I have never been presented with any sort of disclosure or information stating that I've designated my checking account as a backup account. XXXX should have just declined the charge and informed me that the charge was not approved. 

Unfortunately Wells Fargo posted the transaction immediately and I wasn't able to put a stop payment on the charge so I had to file a dispute to have the charge removed, which takes XXXX business days, meanwhile my Wells Fargo Checking account is maintaining a negative balance and they continue to post ACH debits, causing me to incur now five overdraft fees, digging the hole even deeper. I am not allowed to speak directly to the claims processing team to get the charge reversed immediately. I'm told I have to wait, with my account exposed. The banking side at Wells Fargo will not allow me to freeze my checking account to stop the bleeding while they take 2-10 business days to make their decision. All of the deposits that automatically flow into that account are being evaporated by the overdraft fees that continue to rack up. 

HOW IS THIS ALLOWED TO HAPPEN? I have absolutely NO control over my money or how it's spent. Please look into this, both in regard to XXXX failing to disclose or clearly notate on the account dashboard their policy to run multiple accounts after me only authorizing one single account for a charge, and also please look into this issue with Wells Fargo letting my checking account bleed out of control for 2-10 business days while waiting for a decision, not a refund guaranty, but just a decision. All the overdraft fees that have occurred should they decide not to refund the charge will be my responsibility while I have no choice but to sit here and let my account bleed out. 

This is NOT okay.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I am a victim of Identity Theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of Identity Theft.

I sent letter months ago & nothing happen.

They are in violation & told me 30 days when I had fraud. A identity theft with police report I had attached as well ; they are in major violation.
Product: Debt collection

A COLLECTION BY THE NAME OF JEFFERSON CAPITAL SYSTEMS ( XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX ) WAS PLACED ON MY CREDIT REPORT DATED XX/XX/2023 with a balance of {$3000.00}. THIS COLLECTION IS INACCURATE AND DOES NOT BELONG TO ME NOR WAS NOT APPROVED BY ME. I REACHED OUT TO THE SAID DEBT COLLECTOR AND HAVE NOT RECIEVED A RESPONSE WITHIN THE 30 DAY PERIOD GIVEN. PLEASE REMOVE THIS OFF MY CREDIT FILE, IT IS DERROGATORY AND PREVENTING ME FROM ESTABLISHING NEW CREDIT LINES.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and agreed fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted FTC Identity theft fraud affidavit. Equifax has not deleted inaccurate information within 72 hours per the FCRA of receiving my identity theft affidavit.

Account as a result of fraud is reporting inaccurate addresses in Idaho not associated with my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted a clerk at the court and I was informed that they not not provide or verify information with credit reporting agencies. Transition claimed to have verified with the courts, the three bankruptcies reported by TransUnion. But that is a lie because courts do not provide or confirm information with credit reporting agencies. The clerk provided me with another set of court documents that I have attached to the compliant that proves these bankruptcies were filed fraudulently in my name. The documents clearly state these three bankruptcies by case number so there is no confusion as to what I am disputing and why. I have tried several times to resolve this issue with TransUnion. Please hold TranUnion accountable for reporting false information on my credit report even after I provided documentation. Please review the new documents the court clerk provided me. Again, I am submitting the compliant for TransUnion to remove these bankruptcies.
Product: Credit reporting or other personal consumer reports

As referenced in XXXX XXXX XXXX, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items. 
Please conduct a comprehensive investigation and update my credit report accordingly. I expect a written response within 30 days, as stipulated by the Fair Credit Reporting Act.
Product: Checking or savings account

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), regarding Capital One 's failure to deposit my direct deposit from my disabilty and any other incoming deposits. Capital one has cited technical issues, which may violate the Electric Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. 

Thank you
Product: Credit reporting or other personal consumer reports

I am a victim of human XXXX  of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )