23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for a Capital One credit card around XX/XX/2019 and a message popped up saying needed further reviewing. I did receive a email letting me know the process could take up to 7-10 business days. After waiting about a week, I called the number to check the status and the automated system told me that my application is still under review. After waiting 4-5 days, I still have not heard anything. After a week, I called back and the same recording that my application is still under review. I received an email letting me know that I needed to mail or fax over my ID and social security card in which I faxed over my Driver 's License, Social Security Card and a copy of my new lease agreement. After waiting another week, still no response back. I then received a a letter in the mail asking me to send in a copy of my ID and social security card. Again, I faxed over these documents with my lease agreement so they could have my current address. After a few more days, I kelp calling to check the status and the same results again. Today on XX/XX/2019 I called Capital One number at XXXX and spoke with a gentleman and explained to him my concerns. He asked me for personal questions and for my social security number, date of birth and my phone number. He stated to me that, he did see my application and he does have a copy of my driver 's license and social security card but never mention my lease I sent in. He said after reading the notes, that there was some information that didn't match and that I had to go back online to reapply. I asked him why if I'm going to be putting in the same information as the first time. He said, that's what the system is telling him. I asked what would be different and would it be another HARD INQUIRY and he said YES it will be. I was shocked of what he was saying to me. I never heard anything from them after 15 days and I had to call just for him to tell me that information. Why did I not get a letter are via email explaining that information to me? This is unfair action and I want something done about how I have been treated. I sent everything they asked for and more by sending in my new lease agreement and now they want me to REAPPLY adding a new Inquiry on my consumer credit file. That's not going to happen.
Product: Checking or savings account

According to XXXX  transactions data, on the dates of XX/XX/2020 ( {$1700.00} ) fraudulently withdrawn without authorization and XX/XX/2020 ( {$2000.00} ) fraudulently withdrawn without authorization. Complaints were filed and verified immediately thereafter with XXXX.XXXX  via telephone by XXXX student/cardholder/claimant on or about XX/XX/2020. No complaint filed with police. 

Thereafter XXXX student/account holder/claimant received newly issued XXXX XXXX  on or about XX/XX/2020 ending in XXXX, however, said XXXX XXXX not showing on account. 

That, and XXXX student/cardholder/ claimant continued his request for refund through XXXX XXXX and XXXX on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am filing this complaint against Navy Federal credit union regarding multiple overdraft fees that I have occurred since Ive been banking with Navy Federal. Despite having sufficient funds when the transactions were authorized, I was charged fees due to lagged posting of charges and credits.
Product: Checking or savings account

I tried to close all my accounts with Wells Fargo, but when it came to our checking/savings acct. I went through a week of calls trying to get them to close it. They said the amount of money was to high ( {$330000.00} XXXX so we sent a notarized letter with all the acct info they required. 

After over 24 days we still have not heard from Wells Fargo nor have we got our money from this acct?
Product: Checking or savings account

They took me {$15.00} every month for two years from my checking account and I had to close my account because they never fixed it and they said they didnt Know what that about
Product: Credit reporting or other personal consumer reports

In reference to cfpb complaint XXXX Attention : CFPB my FCRA rights are continously being violated and i need for someone to look into this issue ASAP.
Product: Payday loan, title loan, personal loan, or advance loan

i provided my debit card, my social security card, bank name : routing number, account number made deposit of {$600.00} for a {$6000.00} loan
Product: Debt collection

My credit score recently dropped XXXX points from a debt that was sent to collections, of what appears to be a fake agency. We had had two other bills in the past that we ended up just paying from not having enough knowledge of the topic. This time however it is for a debt that we did not have any records of ever having with the medical facility. They also have no bills during that whole calander year of 2020. This bills shows it originated on XX/XX/2020. We have never received information on it and havent received any response. I can not attach any documents since we have never received any
Product: Mortgage

I the creditor been sending mail out to the debtors address of JPMorgan Chase & Co. to settle debt. I've sent out mail to them XXXX XXXX, XX/XX/2022 and also XX/XX/2022 but still have not received a response or settlement towards the account. My Security Note of instrument was illegally converted into cash. The note was monetized where I'm not receiving the proceeds nor does the proceeds go towards the balance of my mortgage. The debtor is acting within fraudulent securities. They are the debtors in possession under XXXX XXXX guidelines
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
TOYOTA MTR XXXXXXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

The situation is detailed below. 

On XXXX XXXX, I bought 2 XXXX for {$640.00}. This money was charged to my bank account XXXX XXXX Bank XXXX on XXXX XXXX and XXXX XXXX. I started a conversation with XXXX XXXX XXXX XXXX on XXXX XXXX, with her first responding on XXXX XXXX. After not getting resolution to the situation, I filed a chargeback for the double charge through XXXX on XXXX XXXX. I immediately received a credit on my account for the amount that was double charged. 

On XXXX XXXX, my Coinbase account was locked from buying/selling/transferring and a message was placed on the homepage that I needed to make a payment to unlock my account to repay the {$640.00} chargeback. 

Due to the fact that I have significant assets in Coinbase, I attempted to unlock my account with a credit card payment on XXXX XXXX, only to be able to access my account while the situation was further looked into. I was unaware that the chargeback would lock my account and I needed access to be able to buy/sell/trade my account. 

Unfortunately the credit card payment was denied by the bank, and therefore my account was not opened. 

Now, on the front page of Coinbase it says that I owe an amount of {$0.00}, and that until I pay that amount I will not be able to buy/sell/trade. Currently, no payment options will go through to open my account. Therefore my account is locked until this chargeback which was completely legitimate is 'paid back '. 

I have provided XXXX with the screenshots of the double charge through XXXX, which is the only documentation that has been asked for so far, and I will attach them here. 

I have also provided here a search from my purchases on each of my accounts showing that only XXXX purchase was made of {$640.00} and this was for 2XXXX on XXXX XXXX. 

Thank you for understanding my concern regarding this matter and your urgent attention to opening my account which is in good standing. 

XXXX
Product: Credit reporting or other personal consumer reports

Equifax, XXXX, and XXXX are not holding up to the law ( 30 day demand to comply ). I sent in disputes, and they are not getting back to me with the results of my investigation.
Product: Money transfer, virtual currency, or money service

Zelle came off as a XXXX or cashapp which allows us to send money and verify person XXXX. Zelle was not informative enough with messages until recent. I lost a good amount of money due to money being sent and them not taking the extra steps
Product: Student loan

I signed on to the PSLF program and started paying in XX/XX/2009. I have completed all 120 payments, worked for the correct organizations, and was in the right repayment program. I have met all criteria. Yet when I applied I was told I have only made 35 payments of the 120 required. I was told the previous loan managers, XXXX etc did not provide documentation to Fed loan. Yet when I try to recoup the data by requesting documents and asked for an audit I was told no that I can not get my forms and correspondence etc. I was told an audit would take years. I talked with a person unaffiliated with fed loan that had access to my financial aid files and he could see all the documents and stated I mer all the criteria. I have no recourse and this places me in situation where I will have to pay an addition 7 more years or loans despite fulfilling my side of the contract.
Product: Payday loan, title loan, or personal loan

This is not an account that is owned by me and I did not authorize anyone to open this account in my name. There where no other options that fit my dispute so I choice any option to progress. 

I am a recovering victim of ID Theft which arose from a stolen wallet in XXXX and on XX/XX/XXXX I aquired my ( 3 ) credit reports from each of the bureaus and was horrified to find that there are ( 13 ) unknown accounts on my credit and numerous amounts of inquiries which I did not authorize therefore, I exercise my right to request validation for each of these accounts. 

On XX/XX/XXXX I wrote my first letter to Barclays Bank Delaware. On XX/XX/XXXX I received a response from Barclays Bank ( see attached letter ) which does not consitutute validation. I wrote again on XX/XX/XXXX and informed them that the account was unknown to me and that I requested full validation for the account including signed contracts and Identifiation used to qualify this customer. Please see the attached letters and proof of mail by certified delivery informing the creditor/agent they are reporting an account that is unknown to me and that they are reporting inaccurate data regarding this account. 

To determine if this is an issue of identity theft or somebody with the same name as I, I requested information verifying the transaction and details such as ; 1. was this account opened in person or on line 2. what identification was used to verify the customer opening the account therefore, to determine this my request was for validation including competent evidence bearing my signature and a copy of the instrument used to secure a contractual agreement that now proves I am obligated to pay. 

I made it clear in my letters that the negative marks found on my credit report held by the ( 3 ) reporting bureaus and reported by their company or any other company that they represent for this debt that I do not owe IS a violation of the FCRA and FDCPA and I requested that if this debt can not not be validated this company must take steps to have all reporting bureaus delete this entry immediately. 

It is ridiculous that it is now over 120 days since my initial request for validation in XX/XX/XXXX, and the only documents sent to me were copies of statements requesting payment. My latest request to Barclays Bank of Delaware made XX/XX/XXXX is now well over the 30 days time frame as per law and this collection company is out of compliance. 

Under advise, I wish to informed Barclays Bank of Delaware that I am prepared to take steps to file a small claim case in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Debt collection

Collector called my place of employment numerous times after I asked them not to. Collector called my boss and asked the best way to gain entry to inside the building. Collector threatened my spouse stating that she pay my debt now or face wage garnishments of 25 % or a seize of joint bank accounts will occur. Collector calls my phone an obscene amount of times in a 24 hour period. Collector has threatened to sue me. Collector states they need me to meet them somewhere for serving me legal documents. 

I offered to set up a monthly payment plan in an attempt to pay off an extremely old debt ( 4 years old ) Collector refuses my attempts to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of the addresses and previous occupations listed on my Transunion accounts are incorrect and i want them all removed from my report and any accounts associated with that information
Product: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that Equifax, XXXX and XXXX didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

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

A company called XXXX is saying that I have a closed account with them and owe {$700.00}. The account was opened this year. I reported the fraud and tried to dispute the transaction and they wont help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.

accordance with the Fair Credit Reporting act. The List ofaccounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # 's XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 USC 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 reportingagency 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 reportingagency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Tried to call Amazon about their credit card and fixing an issue I had. They had me download XXXX XXXX and took over my phone, asked me to log into my bank account- which I did not do, but clearly had access to my whole phone where there was a lot of personal information stored. Possibly had access to credit card and banking information
Product: Debt collection

XX/XX/XXXX Eastern Account System of Connecticut , Inc . 
Address : XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VALIDATION AND CEASE AND DESIST AND DO NOT CONTACT MY CREDIT Dear Eastern Account System of Connecticut , Inc . 

I have not received a validation response to my request for verification on the debt. you have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 USC 1692g ( a ) the CFPB recently increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; and Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. None of the above were provided to me. PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT ANY ASSIGNMENT FROM THE ORIGINAL CREDITOR WITH MY NAME AND ORIGINAL ACCOUNT NUMBER ON THE ORIGINAL DEBT ALL INFORMATION ON THE SECURITIZATION OF THE DEBT AND PROOF THE DEBT WAS ASSIGNED BACK TO UNDER FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XX/XX/XXXX ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt to you and that dispute should be stated on my credit report. Do not contact my credit report. Thank you for your immediate cooperation. 

XXXX XXXX
Product: Checking or savings account

I am attaching claim # XXXX. Wells Fargo did a bait and switch on {$3000.00} loank. Wells Fargo charged interest rate of 13.74 % instead of 5.74 % on a 1 year loan. I complained to CSFB and to Wells Fargo but was not compensated. I need to be reimbursed the difference in monthly interest fees ( 8 % that I was overcharged by wells Fargo bank,
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed XXXX Inaccuracies on my credit report I do not recognize XXXX XXXX Bankruptcy & XXXX XXXX Bankruptcy
Product: Credit card

I was charged {$170.00} in a foreign country by a travel agency under false pretenses. I immediately contacted Citi to dispute the charge/report the fraud. Citi opened an investigation and asked for supporting details/documentation, which I provided. Citi then closed the investigation in the merchants favor without providing clear details as to why the merchant was protected instead of me the customer. This credit card advertises fraud protection and {$0.00} liability in events of fraud, but in this case, I have not been protected.
Product: Debt collection

Dear I am writing to dispute the credit collection account that has been listed on my credit report. After thoroughly reviewing my credit report, I have found that the account in question does not belong to me. I have never entered into any agreement with Creditors nor have I ever received any services or goods from them. This account is not mine and I am not responsible for the debt. I kindly request that you immediately remove this account from my credit report and cease all collection activities. I would appreciate it if you could provide written confirmation that this account has been removed and marked as " not mine ''. Thank you for your prompt attention to this matter.