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

XXXX Order # XXXX Amount paid : {$6600.00} Order Date : XXXX XXXX XXXX  Just for context, I'm a XXXX XXXXXXXX XXXX XXXX  no longer working and XXXX XXXX XXXX XXXX XXXX. 

On XXXXXXXX XXXX XXXX I bought a gold chain online from a merchant called XXXX XXXX XXXX XXXX and paid {$6600.00} on my Bank of America debit card. 

The following day an empty box was delivered by XXXX. 

It had an invoice and an empty, small zip-loc type bag in it. I called XXXX immediately and I've spoken to seven customer service folks at different levels, providing them with whatever they have asked me for : several interviews, photos of the box, etc. 

The XXXX representative on XX/XX/XXXX told me to contact XXXX XXXX directly and request a refund. I tried to contact them many times without success. XXXX representatives assured me on multiple occasions that my funds. would be refunded and not to worry. 

XXXX advertises a warranty/guarantee that promises to protect consumers if they are defrauded by a merchant using their platform. It is called the XXXX XXXX and my claim for coverage under this was also denied. 

I reported this back to XXXX ; the representative said they would look into it. The day the box arrived, I read the reviews and I'm glad that I saved the webpage. I will submit via your portal the 13 other reviews by customers who paid for but did not receive their orders from XXXX XXXX ( all in less than last 6 months ). 

When I checked XXXX XXXX weeks later, there were no reviews at all. All wiped clean and the review function itself only to be found at the bottom of at least a 5 page scroll down from the top, not at the usual location near the top. 

After more than a dozen calls and emails with XXXX, they emailed me and said I was not going to receive a refund. No reason was given and none was available when I called to follow up. 

I requested Bank of America to chargeback this purchase as it was fraud. So far they have refused to indemnify me and they did not even provide a provisional credit as required under Federal law and as promised in their " Deposit Agreement and Disclosures '' provided when I opened my account. 

I am owed {$6600.00} from Bank of America. 

Thank you
Product: Credit reporting or other personal consumer reports

It appears that the Company JEFFERSON CAPITAL SYSTEMS , LLC have obtained this account as a result of material misrepresentation, fraud & Identity Theft pursuant to 15 USC 1681a ( q ) ( 3 ) and RCW 9.35.020. The Original Creditor did not legally obtain consent to sale, transfer or disclose any account information with your company or any other non-affiliated third party as regulated by 15 USC 6802 of the GLBA. Failure to provide FULL disclosure of material information is an unfair method of competition and unfair & deceptive acts of FRAUD. When a person is defrauded into entering a contract, the contract is no longer enforceable, and the defrauded party may void the contract upon learning of the fraud. You are now hereby notified of the following : Upon discovering FRAUD associated with the contract between the consumer and the original creditor ; the contract is no longer enforceable and is now VOID on its face. As a result, ANY and ALL consent to possess, use and share private information obtained by, through or from that contracted original creditor is now REVOKED, TERMINATED, CANCELED and RESCINDED pursuant to RCW 19.86.020 & WAC 284-04-215 ( 6 ).
Product: Credit reporting

Unable to get an explanation out of Equifax Information Service. They say I put a freeze on my credit report which I did n't do? They wo n't say when or how I place it, but to remove to forward updated information that I did.
Product: Credit card or prepaid card

On XX/XX/XXXX i received the following text message : XXXX ( Scam # ) ...... Your package has been put on hold because the delivery address is missing XXXX XXXX code. Please update the correct address informationXXXX XXXX  When the link is clicked on it goes to another page needing info. The page looks very legit for a XXXX XXXX XXXX. After i filled out the info i realized it was XXXX and called Bank of America to cancel the card number and issue us new ones.
Product: Debt collection

I keep getting calls at my office desk phone from this company. They are attempting to contact someone else and hang up every time I provide my name. I 've asked multiple times for them to take the number off their dialer as I do not know who they are looking for but I still get calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

These account below do not belong to me and they are reporting to all three credit bureaus XXXX XXXX # XXXX {$470.00} XXXX # XXXX {$220.00} XXXX # XXXX {$220.00}
Product: Debt collection

XXXX XXXX XXXX is the creditor that sent my debt to the Credence Resource Management, sometime in XXXX i think. I sent all my paid balance statements to 3 bureaus and the collection agency to show them i didnt have any unpaid balance. i also have a recording from the XXXXXXXX XXXX XXXX  support that says i never made a late payment.
Product: Checking or savings account

I have too many overdraft fee the bank not refunded and money it's about XXXX overdraft fee
Product: Payday loan, title loan, or personal loan

I recently closed on a mortgage purchase with XXXX XXXX for a condo in Illinois. The closing was completed at the end of XXXX 2017 and the loan was sold to XXXX XXXX shortly after closing. XXXX XXXX is the current loan servicer and was the loan originator. Shortly after closing my loan, I began receiving multiple email notifications from XXXX XXXX to obtain a consolidation personal loan. Also, when I login online to view my mortgage account information, the XXXX XXXX promotion appeared. I later received a pre-approval confirmation and was approved for an XXXX consolidation loan with an auto-payment of approximately {$300.00} a month for a 3-year installment loan term. XXXX XXXX was then assessing a {$400.00} loan origination fee which I later discovered and the interest rate / apr range was 22-29 % ( also inflated from the original information provided ). My intention was to use these funds to consolidate various debts which ultimately would reduce my monthly payment obligation ( save me money ) and covert to a fixed installment repayment term. I received several communications from XXXX XXXX confirming my loan was approved and directing me to complete/sign my loan documents to fund the loan. I am including copies of these various communications as an attachment for reference. All of a sudden at the very end, I received an adverse action notice as was advised the loan funds would not be provided. Overall, the marketing information received from XXXX Loans was deceptive and provided clear direction the pre-approval, approval, and loan documents were good to go. Obviously this was a loan consolidation effort on my part which ultimately would have provided benefits in reducing my monthly payment obligation and would allow me to consolidate debt. I will admit the {$400.00} origination fee was not necessarily disclosed upfront at the time initial email communications began, but later in the process as the loan documents were getting prepared for signature I noticed this fee appear. Additionally, the initial interest rate/apr information provided was much lower ( less than 14 % ) than the later documentation conveyed of 22/29 % ( interest rate/apr ). The more I thought about what occurred, I realized how deceptive these communications were especially since I began receiving them shortly after closing on a recent mortgage loan with XXXX XXXX. I hope the supporting documentation will aid the CFPB in looking into this matter further. If this happened to me personally ; this is also occurring to other applicants which simply is n't right. Something is wrong here and an investigation should be conducted immediately.
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX XXXX/ {$3000.00} / XX/XX/2021 XXXX / {$690.00} / XX/XX/2021 XXXX / {$620.00} / XX/XX/2021 XXXX XXXX XXXX$550.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy and validity of a collection account appearing on my credit report maintained by your agency. Below are the details of the disputed collection account : Creditor Name : Capital One I am disputing this collection account based on the following reasons : Possible Fraudulent Activity : This account may be the result of identity theft or fraudulent activity, meaning I am not responsible for this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2, I have the right to dispute fraudulent accounts, and you are required to block and remove this information from my credit file if it can not be verified as legitimately mine. 

Lack of Proper Validation : The collection agency has failed to provide sufficient documentation proving this debt is valid, legally enforceable, and belongs to me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, debt collectors must provide verification upon request. If they can not, this account must be deleted immediately from my credit report.

Inaccurate, Outdated, or Unverifiable Information : The information being reported is incomplete, incorrect, or unverifiable, which is a direct violation of FCRA, 15 U.S. Code 1681s-2. The law mandates that only verified and accurate information can be reported by credit bureaus. If the original creditor or debt collector fails to prove the validity of this account within the legally required timeframe, it must be permanently removed from my credit profile.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX noticed so fraud accounts and authorized inquiries on my credit reports. 

Accounts XXXX. XXXX XXXX {$700.00} XXXX. XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX  XXXX {$890.00} XXXX. XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$7000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax & XXXX  regarding unauthorized inquiries reporting on my credit report several times. Customer service would not help take care of negative accounts. I have written letters and also called as well, XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Creditor is : Ad Astra Recovery Services, Creditor is : XXXX XXXX XXXX XXXX NM, in the amount of {$760.00} Account Number : XXXXX This account was already disputed by me and all the three major credit bureaus. " It was, " Investigated, Removed and Deleted. '' from all of my Credit Reports after I proved it was a, " Fraudulent Account and not mine! '' I was hit very hard back in the Year 2015 by up to 15 ILLEGAL CREDITORS, in which someone used all of my personal information to obtain credit and have access to cash as well. 
However, for some odd reason, it was once again placed on both my XXXX and XXXX Credit Reports! I do not know if it was placed on my XXXX Credit Report as I do not have access to it, however, this Creditor should not even exist as I mentioned all the credit bureaus did their investigation and found that is as indeed a, " Fraudulent Account! '' and had it removed! I do not understand why this is happening but it not right and I think it is quite illegal as this creditor is violating my rights under the Federal Trade Commission Laws! I have spent over two years now working on all the, " Illegal Frauds '' that were committed in my name and I when I finally managed to clear them up, " I then get hit again with this Creditor who was already removed and deleted. I also submitted to this company all the legal documents they requested and still they are allowed back! Something is not right with what is going on as I should not have to continue disputing Creditors that have already be en removed! I need this Creditor to remove themselves from my credit reports as what they are doing is, quite illegal!
Product: Credit reporting or other personal consumer reports

This account was charged off XXXX XXXX XXXX XXXX. Account Number XXXX. However since then, the account has been repeatedly updated as charged off every month. These updates inaccurately reflect the payment history and falsely manipulate the statute of limitations on this account. 
Despite my previous requests to investigate this matter, this issue has not been properly addressed. Your continued neglect to correct this information is unacceptable. Therefore, I am demanding the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax and XXXX  on XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been over 70 days and I have not received a response from anyone. I feel like my dispute letters are being ignored and that it does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 70 days these items should be deleted immediately. I demand these inquiries be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Discover Credit Services has submitted a legal tax document to the Federal Government that states a debt they allege I owe, was " Cancelled. '' In spite of this notification to IRS, Discover continued to try and collect this debt from me. Every month Discover Credit Services notifies all three of the Credit Agencies that I am at 98 % of my credit limit. Incorrectly reporting this status, while telling a Federal Agency that they cancelled the debt. This is a violation of Federal Statute. I have enclosed the Statement that Discover sent to The Department of the Treasury, Internal Revenue Service.
Product: Checking or savings account

I am writing to formally dispute the overdraft fees that have been charged to my account. These fees are both unjustified and unacceptable, and I would like immediate removal of all charges associated with this incident Navy Federals fee structure is predatory at best. It is unreasonable to penalize customers with excessive fees that only worsen the financial strain. Reverse these charges without delay, as I find the actions both unethical and damaging.
Product: Debt collection

Not my account, never received anything verifying this is a debt or its relation to me. This is a strict violation of FDCPA and FCRA.
Product: Credit card

Every time I call Citibanks toll free number to check the status of my credit card payments, I encounter problems with the interactive voice response system ( IVR or automated system ). The IVR understands what Im requesting because it responds I understand you want to speak with a customer service agent but then continues to ask unnecessary questions. How many times do I have to keep asking the IVR to transfer to an agent? The specific questions I have are too complex for the IVR to assist. If you dont press the correct prompts in the right order or by a certain allotted time, Citibanks IVR will deliberately disconnect on the consumer. The IVR will say thank you for calling Citibank, good bye. This is egregious. Its inappropriate to disconnect on a consumer. The consumer called for assistance. I have been disconnected by the IVR on innumerable occasions. This is not a one time isolated event. This is a pattern and practice for years.
Product: Credit card or prepaid card

XXXX XXXX accidentally charged me a second time for a purchase I made. I got in contact with them they confirmed it was a mistake but had no way to correct it. They advised me I had to go to the credit card company. I have tried to get it reversed through the credit card company but they say they cant confirm it. A rep from XXXX XXXX emailed me a receipt and advised me to tell Bank of America to reach out to her personally if they needed help to overturn the charge. I submitted it to Bank of America again and somehow they still cant verify. This seems like unfair lending I know you are not supposed to be charged for fake charges. I believe they are only trying to collect interest from me.
Product: Student loan

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Debt collection

For two years I have attempted to reach the company known as central financial control which is reporting on my credit report as Syndicated Office Systems. I have attempted on numerous occasions to request validation of such accusations showing on my credit reports 4 different times from this company. According to my credit report {$750.00}, {$500.00}, {$590.00}, {$200.00}, {$1600.00} is showing placed on my credit report from 2012. I have called XXXX and spoke with several agents who couldnt give me any info other than, I OWE this debt. Practically how does syndicated office systems have the right to collect on a medical debt from Florida. I never received info if this company is licensed to do so. I feel my rights have been violated because upon looking on my credit reports the accounts may have been been re-aged.
Product: Debt collection

Credit Bureau Services, XXXX XXXX XXXX, XXXX XXXX, MO. XXXX, representing XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO XXXX sends me repeated bills that simply say " pay this amount '' followed by a dollar amount. No other information is provided ; no descriptions of any kind, no dates or locations of services, nothing at all. 

I have repeatedly requested that they provide me with verification of the debts that they allege that I owe and they refuse. They tell me that they can not provide that information, or any other details, because they claim it would violate the HIPAA law. Clearly, that is nonsense as all of my medical bills from other entities have always contained all pertinent details. 

Credit Bureau Services allege that I owe XXXX XXXX XXXX for 16 accounts and that my most recent bill dated XX/XX/2022 ( {$3100.00} ) is for all of them combined over a period of several years, yet only 3-6 amounts are listed on my credit reports and these total much, much less than what they claim is owed now. They told me to investigate the matter myself if I want details and verification. 

As a result, I have told them that I dispute all debts that they claim that I owe. I have asked that they indicate that I dispute their allegations on my credit reports, which they have also refused to do.
Product: Checking or savings account

1.MY WELLS FARGO CHECKING ACCOUNT NUMBER # XXXX WAS FRUADULENTLY DEBITED BY UNAUTHORIZED PERSONS, BUT WELLS FARGO REFUSED TO REFUND MY ACCOUNT AFTER THEY CLAIMED TO HAVE COMPLETED THEIR INTERNAL INVESTIGATION, CLAIM NUMBER # XXXX IN THE AMOUNT OF {$1000.00}. I HAVE MADE SEVERAL EFFORTS AND PROVIDED EVERY PROOF THAT CERTAIN CRIMINAL ELEMENTS AFTER MY CELLPHONE WAS HACKED IN XX/XX/XXXX. SADLY, THERE HAVE BEEN MULTIPLE OCCURENCE OF THIS ACCOUNT BEEN FRUADULENTLY DEBITED AND WELLS FARGO WAS NOTIFIED AND INSTRUCTED NOT TO ALLOW ANY ONLINE OR CREDIT CARD PURCHASES, BUT THEY STILL ALLOWED. YES, THEY CREDITED MY ACCOUNT ON SEVEARL OTHER OCCASIONS BUT WITH XXXX AND XXXX TRANSACTIONS WELLS FARGO REFUSED TO REFUND MY ACCOUNT. 
2. THE SECOND CLAIM NUMBER IN QUESTION IS # XXXX DATED XX/XX/XXXX. IN THE AMOUNT OF {$1200.00} ALL THESE FRAUDULENT ACTIVITES ARE FROM THE SAME GROUP OF CRIMINAL ELEMENTS, WHICH WELLS FARGO RESAERCH TEAM CONFIRMED. AGAIN, THEIR INVESTIGATIVE TEAM AGREED THAT ALL THESE HAPPENED AFTER WELLS FARGO WAS INSTRUCTED TO STOP ALL TRANSACTION ACTIVITIES WITH THIS CHECKING ACCOUNT. 
PLEASE HELP ME WITH THIS SITUATION, SINCE WELLS FARGO HAS REFUSED TO ASSIST ME IN RECOVERING OF MY MONEY. 
THANKS FOR YOUR COOPORATION AND ASSISTANCE WITH THIS MATTER. 
SINCERELY, XXXX XXXX. 
PHONE ; XXXX
Product: Credit reporting, credit repair services, 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 items 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 : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX XXXX. Balance : {$5600.00} XXXXXXXX XXXX XXXXXXXX .... Balance : {$2400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX .... Balance : {$6400.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX requesting your support to address this incorrect account reported on my credit report. It has harmed my reputation as a customer, and I need your help. This account should be removed, as it is inaccurately and negatively reported.
Product: Debt collection

I dont know what company this is, but this debt is definitely not, and definitely must be fraudulent. I would an investigation done, and this account deleted asap.