23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The account is invalid. COLUMBIA DEBT RECOVERY LLC needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. 
If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. COLUMBIA DEBT RECOVE XXXX
Product: Credit card

Capital One has blocked me from activating the card for an authorized user, accessing referral bonuses, and accessing the travel portal, among other restrictions. I have already given Capital One all of the documents they requested and they have, days later, still not reactivated my account. 

I paid a {$390.00} annual fee for this card. When I called and spoke to a representative, they refused to refund this fee, and also refused to issue a statement credit as an apology for locking me out of the account I paid for.
Product: Mortgage

I have paid my mortgage through online banking for years. My mortgage has been sold from XXXX to Greentree to Ditech. My mortgage company, Ditech has tacked on late fees and unauthorized charges. I have not been late with my payments, yet they put my payments in an unapplied funds and the monthly balance never goes to XXXX so these fees keep adding up to where my statement says I 'm two months behind, Now someone is coming to my house and cutting the grass when we are not there and I feel they are going to add some more charges to my account. I stopped answering their phone call because they were not trying to help solve the issue and the represenrtative was rude and they call and harass us at all times of day and night.
Product: Debt collection

Ive contacted XXXX numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of PPS Professional Placement Services statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with PPS and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave PPS full divorce docs, ex-husband resp for XXXX all XXXX XXXX. Ive been billed & paid 100 % when I was only responsible for XXXX except this bill. I asked PPS for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.
Product: Credit card or prepaid card

I have a credit card with Wells Fargo Bank. In XXXX of 2022, while I was on a trip in XXXX, XXXX, my credit card was used ( not by me ) to make a fraudulent transaction in the amount of {$890.00}. I did not make this transaction. As soon as I retuned from XXXX, I checked my credit card statement and noticed this fraudulent transaction. I immediately reported it to Wells Fargo. 

According to their own policies, Wells Fargo has the responsibility to reimburse me for any fraudulent transaction on my account. After several phone calls to their Credit Card Fraud Claims department ( I believe 5 phone calls so far ), Wells Fargo refuses to fulfill their responsibility and reimburse me for this transaction. After many phone calls, they finally sent me a one-page incomprehensible document ( attached here ) that they claim proves that I made the transaction and not someone else. It should be noted that they based their investigation based on this one page. 

At this point, I have no choice but to report Well Fargo to CFPB and hope you can resolve this issue. I have been a customer of Wells Fargo for over 8 years and had never claimed a fraudulent transaction until now. The one time that I fall victim to a financial fraud, they refuse to make me whole. 

I really hope you pursue this seriously. Given the history of this bank, I would not be surprised if many other customers are experiencing the same problem.
Product: Credit reporting or other personal consumer reports

There is a fraudulent address on my credit report. I have contacted you guys on numerous occasions and you have not removed it and this is a clear violations of my rights under FCRA. The address ID is listed below and the Experian report number is also listed below. 
Address ID : XXXX / Report number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I discovered someone attempted to open a Bank of America unlimited cash rewards visa signature card Ref # XXXX. I notified BOA and the credit agencies stating that it wasn't me. I've spent countless hours on the phone on hold trying to get this corrected as its affecting my credit score. please I need help in having this removed from all 3 credit agencies. please call XXXX or email me at XXXX I want this removed and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting several inquiries by XXXX XXXX to my credit report while its obvious that no company needs to pull ones credit several times a week let alone several times a day Transunion refuses to remove the inaccurate information while it only to a simple phone call to XXXX and XXXX to get this error corrected. 

Transunion wants me to reach out to XXXX XXXX which I did and they both Transunion and XXXX XXXX Are having me having to jump through too many hoops to have me to correct their misinformation which has caused me to miss out on several credit approvals due to this Misinformation being reported on my credit. Below is how the item appears on my credit XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX  XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, 2021 XXXX XXXX XXXX XXXX ) XXXX Help with correct this will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX - XXXX {$2100.00} XXXX XXXX XXXX - XXXX {$400.00} XXXX XXXX  - XXXX {$2400.00} XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). More specifically cashapp failed to take timely or effective measures to prevent or address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive. They did not comply with error resolution required under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Their actions have resulted in significant financial loss and countless inconveniences. I am seeking appropriate redress for these violations.
Product: Debt collection

On XX/XX/2018, I received a collection notice from professional collections of XXXX, Georgia, for the amount of {$2700.00}. I have asked for a validation letter from them and they have refused to send me one. I have also spoken with the armour landing apartments landlord. She has said numerous times that the debt was to be split between the 3 people on the apartment lease. Professional collections has said that I will have to pay the amount to be collected within 2 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, Equifax has taken 77 points from credit report with no explanation or reason. This is not the first time, on XX/XX/2023 they deducted 55 than again on XX/XX/XXXX they deducted 55 again. I've disputed, I've called no reasonable explanation. I want to report this credit bureau for mishandling my credit report. I'm one week away from closing on mortgage, they've been charged and sued over same situation. I'm a victim to their fraudulent misconduct of my report. I have no debt, and no collections. My credit should be the same as my XXXX report which is 745. They share the same information yet Equifax has taken points multiple times with no explanation nor reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX  XXXX XXXX XXXXXXXX Balance : {$60.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$18000.00}
Product: Debt collection

In addition to complaint # XXXX and XXXX regarding Velocity Investments LLC I recently received yet another letter requesting payment on a debit I never had and it's the same one Velocity illegal put a lien on my home for. I know Velocity are ignoring your requests, but knowing they are continually harassing me for the same alleged debt even though they have a lien on my home, I need help this situation has prevented my for refinancing my home for the past several years and I feel it's time Velocity be stopped from harassing people.
Product: Money transfer, virtual currency, or money service

COMPLAINT INFORMATION I contacted XXXX on the XXXX of XXXX. Someone hacked into my email account whereby the suspect was able to go into my account and wipe me out. The dollar amount in dispute. {$22000.00} The date of the transaction. XX/XX/2021. Someone stole my email and I was locked out of XXXX. I emailed XXXX immediately when I found out that my email was hacked. I emailed that at XXXX XX/XX/XXXX on the XXXX of XXXX. I received a generic email at XXXX XX/XX/XXXX Eastern Standard that evening stating that I am in the cue. I emailed XX/XX/XXXX again on the XXXX, and when I didnt hear from them I emailed them again on the XXXX. I filed a police report on the XXXX. I received an email from a representative named XXXX, who told me they will change my email, but I needed to verify who I was by providing them with a video, license, utility bill. I did everything XXXX asked for. I explained to XXXX over and over that someone else has my email account at XXXX. There was a XXXX breach and I was one of the victims. I sent the Ceo XXXX XXXX a message on XXXX because I wasnt getting anywhere with XXXX. ( She since has blocked me from contacting her ) I believe I did that on the XXXX of XXXX. On the XXXX of XXXX XXXX sent me another email requesting another video. I did that too. On the XXXX I find out the suspect also depleted {$5000.00} out of my US bank account since that account is linked to my XXXX account. On the XXXX of XXXX, I was assigned to another representative XXXX XXXX. XXXX closed my XXXX account on XX/XX/XXXX. XXXX sent me an email on the XXXX telling me my account has been resolved but XXXX will not reimburse me for my losses. The theft occurred on their platform They are FDIC insured. Why won't they compensate me? XXXX is under the US Bancop. I filed a complaint with the Office of Comptroller. XXXX was able to resolve this matter in two days, while the XXXX took 12 days to even realize what I was telling them. In XXXX email, he said the suspect sent my money to a bitcoin address. The company knows exactly where the money went but they wont retrieve or recompense me. This is a fraud. Someone stole my account and was able to do whatever they wanted to do while I wasnt able to do anything about it. I made a complaint with the Consumer Financial Protection Bureau earlier with your organization because XXXX would not return my emails. XXXX does not respond to emails in a timely fashion. XXXX does not have a telephone number to call when an account has been compromised. I also contacted the fraud department for my US bank, thats because the suspect was able to deplete my account for {$5000.00} in three separate transactions. A. {$2000.00} B. {$2000.00} and CXXXX XXXX. This happened on the XXXX of XXXX unbeknownst to me. 

Thank you in advance for your guidance XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit alert from XXXX XXXX stating I have a new alert. Someone opened an account in my name from XXXX XXXX on XX/XX/2022 that I didn't apply for. The credit limit of {$5000.00}, high balance of {$3100.00} and available credit of {$1800.00}. I don't know this company and never applied for any line of credit from this company so I am filing fraud.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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.

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

Equifax is In violation of FCRA 15 U.S.C. 1693a ( 2 ). there are reporting inquires in my credit report that I did not authorize
Product: Credit card or prepaid card

I attempted to pay credit card bills online and over the phone and mysteriously there was fraud alert placed on my account last night. Today I can use to pay bills at all. The number on the website doesn't have an option at all to speak to someone live at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have my credit affected and have hard inquiries on my credit report due to my decreased dad using my name and social security number in a fraud attempt he applied for bank cards under my name and credit and now my credit is low because of him my credit shows XXXX XXXX instead of XXXX XXXX but yet is still connected to me this is wrong because of this I have a hard time getting approved for car loan and home loan and even finding apartments or homes
Product: Checking or savings account

Hello, I wrote a complaint about a week or so ago about the Executive Response Team not being of any assistance and being told that my account needed a 24-48 hour review my account. Got the run around multiple times from supervisors, employees, call center reps, you name it. Well then the CFPB wrote in that my account was corrrected and it was " for my protection '' Today- I went in to XXXX  my fianc {$400.00} dollars ( I XXXX him between XXXX a month depending on bills and expenses ) Recieved a text alert saying can you verify this transaction I selected " yes '' and then it said " thanks all set nothing more to do '' Tried again and my account was LOCKED and placed on a 24-48 hour hold again so I can not access my money ... .... 

This is unacceptable - the representative I just spoke to told me that I needed to wait couldn't access my money and if I needed to I could reach out to a lawyer but she has no insight as to what is going on and can not help and there were no supervisors online or in the office. 

WHAT IS GOING ON. This is beyond unacceptable and at this point if I don't get a resolution my only option will be to contact a lawyer I can not not have access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account from Bank of America is showing closed by consumer on my credit report. The account also said it is a charge off therefore it was not closed by consumer. The last payment made was XX/XX/2013 according to credit report. The remaining balance is also incorrect.
Product: Debt collection

I received a harassing phone call from CREDENCE RM about a XXXX XXXX  bill in the amount of {$1000.00}. I had no idea this existed a Is have no knowledge of the account. I never received any correspondence on how to dispute the validity and request verification for the account.
Product: Mortgage

Fay Servicing forced me to obtain hurricane insurance so I ended up back in XX/XX/XXXX. They threatened me with obtaining expensive outside insurance. I cancelled my existing with XXXX XXXX via XXXX XXXX XXXX in XXXX XXXX, Hawaii. 

I signed a policy cancellation in XX/XX/XXXX the company sent a refund of {$920.00} and sent it to XXXX XXXX XX/XX/XXXX. 

I never once received a new policy from Fay Servicing or showing where that refund went and the amount of the policy. I have called numerous times with no success and believe they are crooks and refuse to show me where all the money went. I got a refund from them of {$260.00} because I sold my house in Hawaii which closed on XX/XX/XXXX and I plan to call tomorrow again but do not believe there will be much success. At XXXX years old I have never dealt with such a horrible mortgage company. 

I want a detailed schedule of where all my money went monthly of {$440.00} plus the {$920.00} that I sent them in XX/XX/XXXX. 

I believe that Fay Servicing owes me more money so hopefully you can contact them and get them to give me a detailed listing of where all my money went.
Product: Credit card

pnc bank dispute was charged from XXXX XXXX on my credit card for transactions i did not make royal caribean sent the refund to pnc bank which pnc bank sent it back to XXXX XXXX unknow to me in XXXXXXXX XXXX XXXX XXXX XXXX  had put a other person on my account there fore it has been disputed numerious times with pncbank and XXXX XXXX they sent me a pic of the person that was on my account and XXXX XXXX told me to dispute it with my credit card company which is pnc bank its been over a year and pnc bank since they made the error of returning the money the time has run out that royal is obligated to refund the money royal had another person on my account i have his picture that the bank and royal sent me for trip on XX/XX/year> on wonder of the seas
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 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
Product: Vehicle loan or lease

I applied for a loan to finance a vehicle from the beginning I explained I was working getting paid with a 1099 and they said it was ok and still run my credit score to come back around and say they needed a pay stubs or yearly tax showing my income when I had informed I hadn't been with the company for more than a year
Product: Credit card

I received a security notification regarding an inquiry alert on my bank account. Upon looking into my account it was discovered that AMEX had retrieved my credit report and an AMEX credit card was fraudulently opened with my name and information on it. I Began receiving emails regarding the credit card that was issued, the email address to the card/account being updated, and a notification email that the card is in transit. I therefore contacted my bank, AMEX, and the 3 credit bureaus to freeze/secure my credit, report the fraudulent activity, and open an investigation. AMEX was unable to give me more information although they did say they were able to lock and cancel the fraudulent account. Although I reported the fraud account/card I continued to receive AMEX emails regarding activity from the account.