23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Discovering that Capital One has deceitfully opened an account in my name, now reflected on my credit report, is disconcerting. This deceptive act not only compromises my financial integrity but also poses a threat to my creditworthiness and overall financial well-being. It's crucial to take immediate action to address this situation, safeguarding my reputation and ensuring that I am not held accountable for any unauthorized transactions or debts associated with this fraudulent account.
Product: Debt collection

Contract # XXXX was entered into between us ( XXXX XXXX XXXX XXXX XXXX XXXX and XXXX for a XXXX copy machine in XXXX of XXXX. The lease financing was done through US Bank XXXX XXXX in XXXX, MN. 

The lease expired in XXXX of XXXX. US Bank continued to send us monthly bills which our district manager approved and paid because he thought that it was a maintenance contract. 

We reached out to US Bank about cancelling this lease as it had expired. They said that the lease originator, XXXX, has to cancel the lease with them. We explained that XXXX was purchased by another company, XXXX, and XXXX told us that they have no desire to repossess or release the machine. XXXX also said that they have no active business relationship with US Bank and advised us to not remit payment to US Bank. 

US Bank 's customer service has put up a brickwall and does not engage us substantively in our efforts to resolve this. They seem confused as to who the lease originator actually is due to the merger of XXXX and XXXX. So they claim that they have no capability of contacting the lease originator or anyway to tell us who they believe has the authority to release us from the lease. We are absolutely certain that the legal entity that originated the lease has released us from it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because of certain false accounts I discovered on my credit report. XXXX, XXXX, and TransUnion Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and it is not permitted for them to continue publishing unverified information within the legal time frame in the absence of any supporting documentation. The accounts that are inaccurately reflecting on my credit reports are listed below : XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX Balance Owed : {$6000.00}. Get the disputed accounts fixed as soon as you can in accordance with the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account doesn't belong to me..I asked for evidence to prove the account is mine but Equifax did not provide..This error has greatly lowered my credit score..CFPB amp up and delete the accounts XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX
Product: Debt collection

Jefferson Capital LLC at XXXX # XXXX XXXX XXXX XXXX XXXX, AL has been sending me collection notices in the amount of {$1800.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.
Product: Checking or savings account

I am writing to formally dispute unauthorized transactions on my Chime account ending in XXXX and express serious concerns about how this matter has been handled, in accordance with the Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ). On XX/XX/year>, I was involved in an e-bike accident that resulted in a severe concussion and other minor injuries. Upon realizing my wallet was lost, I promptly contacted various financial institutions on XX/XX/XXXX and XXXX, XXXX, to secure my accounts and report potential unauthorized transactions. I specifically contacted Chime on XX/XX/year>, engaging in an 18-minute conversation with a customer service representative. During this call, I explained the circumstances of my lost card, requested a block on my account, and initiated the dispute process for unauthorized charges, including {$280.00} on XX/XX/XXXX and {$230.00} on XX/XX/year>. The representative assured me that the card had been blocked and that I would not be held responsible for these charges. 

However, upon accessing my account on XX/XX/year>, I discovered additional unauthorized charges totaling {$250.00}. I immediately contacted Chime to address this discrepancy and was informed that the matter would be escalated to dispute all charges from XX/XX/year>, onward. On XX/XX/year>, I received an email from Chime denying my disputed transactions, stating that " no billing error occurred. '' This determination fails to address the unauthorized transactions from XX/XX/year>, which occurred after the card was supposedly blocked. Under the FCBA and EFTA, I am entitled to certain protections, including limited liability for unauthorized transactions when reported promptly, which I have done, but Chime has arbitrary and capriciously denied my disputed claims without providing any substantial evidence, essentially accusing me of submitting a fraudulent claim. 

I submitted a letter to Chime dated XX/XX/year>, demanding to be provided with all the evidence used to determine that there was " no billing error. '' Moreover, demanding Chime to explain why I am being held responsible for the unauthorized charges from XX/XX/year>, after specifically asking the Chime representative to block my card as I was experiencing difficulties in accessing my account.
Product: Credit card or prepaid card

We paid for an appliance repair facility nearby to repair an appliance. They refused to provide the service after visiting to diagnose the problem, so we disputed the {$160.00} charge with our credit card. This transaction fully complied with the Fair Credit Billing Act dispute rules. 

After entering the dispute, Fidelity Cardmember Services sent us a letter that included a form requesting nearly all of the information already provided to them in writing when we filed the dispute. The letter stated that if we did not complete the form, they would continue the dispute using the information we had provided them to date. Since we provided all of the relevant information, we did not respond to the letter. 

A few weeks later we received another letter stating that because we did not respond to the previous letter, they were closing the dispute and taking no further action. This was in contrast to what the previous letter stated. 

Fidelity Cardmember Services violated the FCBA and misrepresented how they would handle the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Transunion required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

Anyone paying for your reporting services could fax, mail or email in a fraudulent account, or add an account fraudulently using the E-Oscar system. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below : 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 To date, Transunion has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please note that I have opted out in writing to your forced arbitration terms and am willing to seek legal relief. 

Moreover, two accounts have conflicting Remarks ( Paid in Full/Sold ), which I have included in screen shots. 

Finally, any and all inquiries that are prior to XX/XX/2021 must be deleted as they are outdated ; I count XXXX of them.
Product: Debt collection

I was evicted from the apartment in XXXX of XXXX, the eviction judgement was {$3400.00}. I did payed the amount owed through garnishment, now you wont validate the post rent charge you are claiming. I need the documentation mailed to my address if not I will take you to court. I MOVED OUT WITHIN FOUR DAYS AFTER THE COURT DATE BEFOR THE FIVE DAYS RESTITUTION. How do I owed post position rent? That you wont validate!
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX i placed an XXXX  order on crypto.com for {$100.00} This particular order was made at XXXX buy in price of {$64000.00} with the set target price of {$64000.00} and a stop loss of {$64000.00} and kill by XXXX XXXX 

By XXXXXXXX XXXX XXXX had surpassed the target price of {$64000.00}. So now my XXXX  order should be won and i collect the actualized gains just like the websites description so I now collect {$400.00} profit plus my {$100.00} for a total of {$500.00}. Sounds simple enough right? 
At XXXX XXXX, i get a notification that my XXXX order bottomed out at {$64000.00} and i lost my {$100.00}. Not only that, crypto.com shows me a receipt now with my order labels flip flopped so it says {$64000.00} was my target and {$64000.00} was my stop. Luckily i have pictures and i was watching the market on their very own website of crypto.com. 
All of this is pictured below, including the chat between several employees and myself regarding this stunt they tried to pull. I have been trading stocks and cryptos for XXXX years now. I dont appreciate being jerked around and then on top of it, crypto.com stalling only to copy and paste the same lie each chat. Its unprofessional and downright illegal. To top it off, I cant get my money off of the so called debit card they say you can load and spend anywhere which is also a lie because they do not even allow you to buy crypto with it on their own site!!!
Product: Student loan

Navient called me at work. Informed the representative not to call me at work and the next day they called to speak to my manager about my debt so he could leave a message for me. He said I would be in later and she stated she wanted to make sure he would leave me a message so she did n't have to call back later.
Product: Vehicle loan or lease

I am a  XXXX  veteran, I went to purchase a car and the sales person basically lied to me about the condition of the vehicle. I purchased the car on  XXXX / XXXX / XXXX  because the sales person reassured me that I was making a great purchase, after much research I found out that at one time  XXXX   XXXX  the  XXXX  model was under recall due to a manufacture defect, what made me look into this was because I noticed water in the bottom of my trunk along with either termites or ants, I purchased a wet vacuum to remove the bugs and water but nothings working. I brought the car into the dealership to be looked at and they informed me I had to pay over a  XXXX   XXXX  just to get it checked. That was money I did not have so I left. It kept raining and the car was getting worst! So for the about a year there has been mold and bugs in my car even in the inside. I do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a dispute letter to Account Control Technology , Inc. disputing an entry they placed on my credit reports. In dispute, I specifically requested that they provide : *An agreement that states thier authority to collect on this alleged debt ; *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary Account Control Technology, Inc. neglected to submit the information as requested that would validate the debt. Additionally, they failed to submit any documentation that bore my original signature, failed to provide the original delinquency date, did not provide proof that the statute of limitations had not expired for this debt, did not provide the complete accounting of the alleged debt, did not prove that they have the authority to collect on this alleged debt in the state of Texas nor did they provide the name and address of the bonding agent for their collection agency in case legal action becomes necessary. 

Account Control Technology , Inc. must delete this unvalidated, unverifiable, inaccurate, erroneous entry from my credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX, account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX, account # XXXX have all violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ( XX/XX/XXXX ) submitted a dispute to Equifax about an account reporting inaccurately. Equifax responded to the dispute on XX/XX/XXXX, stating the information was verified with the original creditor, and referred me to the original creditor. 

I reached out to the original creditor, XXXX XXXX XXXX XXXX After speaking with the creditor, I was informed they were reporting the correct information that the first date of deliquency is XX/XX/XXXX. I explained to them that Equifax is reporting the first date of delinquency as XX/XX/XXXX. The agent also stated they have not made any updates to the reporting since XX/XX/XXXX when I settled and paid the account off. She stated they would do an internal investigation, then respond in writing.
Product: Money transfer, virtual currency, or money service

Hi My name Is XXXX XXXX born XX/XX/XXXX, currently living in XXXX XXXX XXXX XXXX, ny XXXX. I have a checking and savings account in Bank of America. I deposited a check from XXXX ( XXXX XXXX ) to my checking accounts more thank a week ago and for some reason the funds are not available. I also have other issues such as the institution asking for Social security number and denying services if I deny to provide it. I tried to solve this issue with them but they deny so. Please help me I need this funds to fix my vehicle. Thank you.
Product: Credit card

An account generated by Wells Fargo encompasses a substantial line of credit used to buy a one time purchase of a air conditioning and heating system. They issued a credit card that lower myXX/XX/XXXX score by more than 40 points because of my high usage of the card, even though the initial purchase of the installed HVAC equipment, was in excess of {$20000.00}. My credit reports still show a excessive use of this card in the area of 67 %. That and another card issued from another financial institution, continue to keep myXX/XX/XXXX static. I submit this Wells Fargo account should be categorized as an " installment loan, and not as a charge card. I don't think I will be buying anymore {$20000.00} air condition and heating in my lifetime.
Product: Money transfer, virtual currency, or money service

I am currently on XXXX XXXX XXXX ( XXXX ) and requested through XXXX a Bank of America debit card for faster payment. On the XXXX state website it states you can request an emergency wire transfer if you are waiting to receive your card and already got payment by contacting customer service. I called XX/XX/XXXX and requested a wire transfer since I have not received the card. The customer service representative said she could not do that because I have to receive the card first, activate it, then I can receive my money. I asked her if she can provide that policy because that is not what it says on the state website. I called again on XX/XX/XXXX and was told the same thing. I asked for a supervisor this time and asked them to provide a copy of that policy. I asked him to view the XXXX XXXX website because that is not what it says. He then said he will do it. He asked what ID I was going to use at XXXX XXXX to pick up the cash. I told him military ID. He then asked for the ID number and I asked him if he needed the XXXX number on the card or the health benefits number. He then questioned if it was a VA health card and I told him no. I informed him I was a 100 % XXXX veteran and was issued a XXXX military ID card. He then stated it was not an acceptable government ID and the only acceptable military ID they can take is XXXX XXXX. I asked him where it says that on the XXXX XXXX website, Bank of America website, and XXXX XXXX website and he could not find it stating that. I asked for their policy on government military ID card and he could not provide it as well. I told him I would waive all rights and liability if XXXX XXXX does not accept my ID because he stated it would take 30-45 days to receive money if XXXX XXXX does not accept my ID and holds the funds. He said he can only release {$300.00} out of {$1900.00}. I was on the phone with him for an hour and he said that is the best I can do. I explained to him I was on a military base earlier in the day and my XXXX issued ID card was accepted at which point he insisted that I have to be XXXX XXXX. He then said the {$300.00} is all I can receive to take or wait for my debit card in the mail. That payment he would not release caused hardship and emotional distress. I felt discriminated based on the fact I told him I was a XXXX veteran.
Product: Debt collection

This account has been incorrectly classified as a charge-off, even though it qualifies as income for which I should have received a 1099-C to report. It does not represent a valid charge-off or debt and should be removed from my credit report. Additionally, continuing to show that I owe and accruing interest on an account already charged off is improper. 

jpmcb card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

We discovered that Wells Fargo has been charging our account a $ XXXX fee due to our account balance below an excessive threshold {$250000.00}. When we inquired why this fee is being assessed, we were informed that Wells Fargo converted our account without our consent to a new account that enforces a minimum balance of {$250000.00}. We have since tried to reverse these charges because the account conversion was made WITHOUT OUR CONSENT OR KNOWLEDGE. 

We have also since tried to reverse these fees, which Wells Fargo has only done for a portion because they claim that they do not see these fees charged to our account. We have pulled the online monthly statements clearly showing where the fees are being charged and deducted automatically from our account, but Wells Fargo have refused to accept they have done so - and also refusal to review our monthly statements showing these unauthorized charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported XXXX XXXX experian, XXXX Please take notice that this letter dated ( XX/XX/XXXX ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only XXXX  days not XXXX more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Checking or savings account

1. I had several fraud transactions on my business checking account. As soon as I noniced them I called to bank ( XX/XX/2019 ) and opened the claim. Next day ( XX/XX/XXXX ) I came to US bank branch at XXXX XXXX XXXX, XXXX, CO XXXX where the banker helped me to fill the papers regarding my claim ( 5 unautorized transactions ). The bank returned my stolen money from 4 transactions. But denied the first one dated XX/XX/2019 of the amount of {$480000.00}. At first they said it was over 60 days between transaction date and the date I filed complain. What is lie, because it is actually 57 days. From XX/XX/XXXX till XX/XX/XXXX. Then When I showed the bank their mistake, they send me a letter saying that because I filled the papers incorrectly it was too late to make a refund of {$480000.00}. That is true. I had to come to branch again later and fill claim papers again. But on the first time I followed the instructions of US bank business assosiate and did everything as he told me. And that was his fault that my claim was filed incorrect. Bank did not notify me about any mistakes in my claim and I learned only during my next call them. XXXX XXXX XXXX, XXXX, CO XXXX. XXXX XXXX, branch Assistant manager - is the person who was helping me with my claim and failed the prossess. Also the papers were filled by me in barnch in person on XX/XX/XXXX, but claims department received them on XX/XX/XXXX. They we sent via fax by bank associate and it took several days to come over fax!. or no one did not really sent them that day. I dont know has it been made by purpose or by mistake. 

2. I filed the claim on Consumer financial protection bureau regarding this situation, trying to return my own money that I trusted to this bank. After this bank closed my checking account with all my money of aprox. {$27000.00} and my credit card. I did not have any issues with both of them and was a loyal customer