23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I received a phone call XXXX about a traffic citation that occurred in XXXX XXXX Florida XX/XX/XXXX XX/XX/XXXX. The citation # issued that date XXXX. That is exactly XXXX years, XXXX months, and XXXX days from today. I never received a notice in the mail XXXX about this debt, but yet the company placed erroneous information on my credit report. I paid all of my outstanding tickets XXXX which allowed me to have a valid FL Drivers license and has been active for more than XXXX years. XXXX XXXX never submitted to me anything in writing about the debt and have not validated that the debt actually exists. The XXXX XXXX XXXX XXXX XXXX Court does not issue any licenses without paying outstanding citations. I do not owe the XXXX XXXX XXXX XXXX Court for any citation nor have I been notified of any outstanding debts from them. All debts have been satisfied. XXXX XXXX only reason for reporting this information to the credit bureau is to discriminate against people of monority descent. We ask that you intervene and request that XXXX XXXX provide proof that there is an outstanding debt and that it actually has ownership of the debt from the original creditor. I checked the XXXX XXXX XXXX XXXX Court website today and did not find any traffic citation that matched the one reported on my credit report. See web link XXXX XXXX.
Product: Bank account or service

I filed this complaint on XXXX XXXX, 2016. It has been more than 60 days and even though I received a response from Citibank with a positive resolution to the issue, the miles promised have not posted in the account. The original complaint was this : I opened a checking account with Citibank online on XXXX XXXX of 2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX american airline miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. Early in XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX The current claim number is : Case number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  XXXX Bankruptcy Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX
Product: Debt collection

Currently I am getting more and more calls from MSK and Associates, AKA Miller, Stark and Klein and Associates. It is the same company that I was called from before in regard to an attempt to collect on a debt that I allegedly owed. I confirmed with the representative I spoke with that this was the same company that attempted to call be before in XXXX and numerous other times that were extremely abusive and harassing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper Use of my credit report, In Accordance with the FCRA section 611 ( for inquiries ) this companies violated my consumer right by placing unauthorized inquiries on my reports. below are the following inquiries XXXX  Of XXXX XX/XX/XXXX XXXX bank XX/XX/XXXX XXXX XXXX Cred XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX bank ) XX/XX/XXXX 202
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 I WAS NOTIFIED BY XXXX XXXX XXXX  THAT ONEMAIN FINANCIAL HAD MADE A HARD INQUIRY TO CREDEIT BUREAUS ABOUT MY CREDIT HISTORY. THIS INQUIRY IS FRAUDULENT. ONEMAIN FINANCIAL MADE THIS INQUIRY WITH NO PRIOR VERIFICATION OF MY IDENTITY. HOW IS IT LEGAL TO MAKE HARD CREDIT INQUIRIES IN THE ABSENCE OF A GOVERNMENT ISSUED ID? 

I CONTACTED ONEMAIN FINANCIAL ABOUT THE FRAUDULENT INQUIRY. THEY ASKED ME TO COMPLETE AN AFIDAVIT, SEND THEM A COPY OF MY DRIVERS LICENSE AND A BILL WITH MY ADDRESS ON IT SO THEY COULD CONFIRM MY IDENTITY. I COMPLIED WITH THAT REQUEST. THE INQUIRY HAS NOT BEEN REMOVED FROM MY CREDIT REPORT PER MY REQUEST. HOWEVER, ONEMAIN FINANCIAL DID STOP THE LOAN FROM BEING FUNDED.
Product: Mortgage

Please do your duty. I had submitted a complaint in XX/XX/2020 and i was told by the agent that CFPB closed my complaint. That complaint was never settled. The Mortgage company failed to follow rules allowing proper time to read, sign and allow legal representative to read for law abiding consumer protection reasons. CFPB Case XXXX. That was never settled nor was a response received. 
Carrington Mortgage LLC has continued to abuse consumer contract laws. My information was complete for the loss mitigation packet on XX/XX/2020. The enclosed letter proves. As I waited for the response a letter arrived from The mortgage company stating a lie that I cancelled my loss mitigation. And it continued to state I no longer wanted my home. This letter was not true. I never cancelled my loss mitigation. The Mortgage company is trying to use COVID-19 scam. I never requested covid-19 assistance. My XXXX is consistent and covid-19 did not impact it. The improper & wrong cancellation letter implies I cancelled my loss mitigation. That is not true as I never cancelled it. 
The enclosed letter states what I am explaining. I never implied that I did not need my loss mitigation or that I was not wanting my home. This company is mis stating information that is false. My information is still on the XXXX XXXX server and is valid for 90 days and the letter is not expired as you can read. 
Please look into this. My loss mitigation is needed and I never cancelled my need. 
Please look into this. I am insulted to know you ignored my need in the XXXX complaint. Please stop with the intimidation to my poor life. I still need my home. Please do your consumer duty I am a XXXX human being
Product: Credit reporting or other personal consumer reports

Was informed by credit wise that my information had been compromised in a recent data breach. 
I froze all XXXX of my credit reports and went over them and identified an inquiry ( XXXX XXXX  XX/XX/year> ) I do not recognize nor remember initiating, I then verified that I had no personal credit account open with them. 
I called into Experian and tried to have the inquiry removed but they said I needed several documents ( State ID, Social Security Card, Police Report/Affidavit, Recent Utility Bill/Bank statement ) I am submitting those document through this complete in hopes of a fast resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) plus days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has long been closed. Please keep in mind that it would be impossible to be late on an account that is no longer active and has been closed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I received an offer from AMEX regarding a XXXX  line of credit. I applied using my federal ein. the application asked for my social security number and specifically stated it was for identification purposes. My understanding is that the XXXX  was applying for credit and not me personally. I was then declined and was given the reason that my personal credit score was too low and received a hard hit on my credit.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to bring your attention to fraudulent Paypal activities. I have two accounts with Paypal ( XXXX & XXXX ) and each has around {$60.00} balance in my wallet. 

Paypal froze my account and would not let me withdraw my money. For the past 10 years, I contacted this scam company numerous times and they never get back to me. I believe this is a systemic issue and many people are experiencing the same. In the mean time, Papal generated a lot of interest and income by illegal withholding people 's money. 
I urge your agency initiate an investigation against Paypal 's fraudulent business practice and get American people 's hard earned money back. 

Thank you very much for our prompt attention to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX XXXX Date of Inquiry XX/XX/2023, XXXX XXXX  Date of Inquiry XX/XX/2023 & XXXX XXXX  XXXX Date of Inquiry XXXXXX/XX/XXXX
Product: Checking or savings account

IN XX/XX/2019 SOMEBODY OPEN UP AN ACCOUNT OR TRYIED TO XXXX XXXX CLAIM NUMBER XXXX TRIED TO OPEN AN ACCOUNT AND WAS FLAGGED BY XXXX  FOR SUSPECTED FRAUD ACTIVITYS I FILED AND FTC REPORT WHICH IS INCLUDED I NEVER LIVED IN NJ
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit report. I am a victim of a data breach, and these accounts do not belong to me. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed as they are a result of identity theft.

Fraudulent Accounts : 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 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, credit repair services, or other personal consumer reports

I disputed a collection with XXXX, Transunion, XXXX, and XXXX XXXX XXXX over an alleged debt. I disputed the alleged debt on XX/XX/2023 and as of today XX/XX/2023 I haven't heard from the credit bureaus or XXXX XXXX XXXX. I have sent 2 round of dispute letters and have been purposely ignored. 

I requested the following validation of the debt : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
Product: Money transfer, virtual currency, or money service

Subject : Complaint Regarding Loss of Funds Due to Scam on Coinbase Wallet Platform Dear CFPB, I am writing to formally file a complaint regarding a fraudulent transaction I experienced on the Coinbase Wallet platform, resulting in the loss of XXXX XXXX XXXX XXXX XXXX valued at {$5900.00}, due to a scam involving a fake token on the Coinbase BASE network. 

Details of the Incident Date of Transaction : XX/XX/year> Amount Lost : XXXX XXXX XXXX {$5900.00} ) Platform Involved : Coinbase Wallet ( via the XXXX XXXX  ) Fraudulent Token : XXXX ( clone created by a scammer ) I attempted to purchase the equivalent amount of XXXX tokens using my XXXX funds through Coinbase XXXX. However, instead of receiving the expected value in XXXX, I received only {$0.00} worth of tokens! Upon realizing this discrepancy, I immediately contacted Coinbase customer support to report the issue. 

Customer Support Interaction I spent over an hour on the phone with Coinbase customer support representatives as they investigated the matter. During the call, they confirmed that : A scammer had created a fake clone of the original XXXX token on the Coinbase BASE network. The transaction could not be reversed, as it had already been processed on the XXXX apologized for the incident but claimed that nothing further could be done. 

Complaint Summary I trusted Coinbase as a secure and reliable platform for cryptocurrency transactions, including token purchases on their XXXX XXXX. However, the presence of fraudulent tokens, such as the cloned XXXX, reflects inadequate safeguards against scams and exposes customers to financial losses.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen when I was a teenager. I got a credit card with XXXX XXXX department store. I can only get credit reports with XXXX, but not XXXX or Experian. I have repeatedly informed them of this problem. They think I am the fraudster. The lady that stole my identity was born in XX/XX/1957. When I got married and changed my last name from XXXX XXXX XXXX, I informed the Social Security Administration. The fraudster also changed her last name to XXXX as a result. Everyone keeps telling me that maybe I am the person using the incorrect Social Security number and maybe she is using her 's. My Social Security number was acquired for me by my parents when XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time. I have never lived in XXXX nor XXXX XXXX or some of these other places. I have never had a credit card with a XXXX XXXX.I have never had phone service in the XXXX area code. I have never attempted to purchase a car at XXXX of XXXX. I am locked out of getting a copy of my credit report because the fraudster got herself locked in. When I went to get a copy of my Federal ID, the lady at the Tennessee Department of Motor Vehicles asked me if I had every lived in XXXX, which I had not. I would very much like to get copies, written, of my credit reports so I may report all false information.
Product: Credit card

Unsolicited telephone call from XXXX claimed to be from Chase credit cards offered to lower my interest rate. I asked them for information and they transferred my telephone call. I suspected this to be an attempt to defraud me, so I decided to play along. The transferred caller was not able to provide my current Chase interest rate, so they hung up the telephone when I asked them how come they did not know what my interest rate was. I strongly suspect that they were attempting to scam call recipient into providing personal banking information.
Product: Debt collection

Hi, I am a Federally Protected Consumer. The Fair Debt Collection Practice Act is intended to secure my right to privacy and is intended to protect consumers against abusive, and deceptive debt collection practices, and I have been XXXX and deceived by Cavalry Portfolio Services , LLC. Cavalry Portfolio Services , LLC has knowingly and willfully violated the Truth in Lending Act ( TILA ). The Truth in Lending Act ( TILA ) was enacted by Congress to promote the informed use of consumer credit and I have been uninformed so be it. I have previously sent a Debt Validation Letter and Affidavit of Cavalry Portfolio Services , LLC. They received it certified mail and signed off at XXXX, on XX/XX/2021. As they have violated me as a Federally Protected Consumer. Within that document, it outlines their violations towards me and a way to rectify the matter. Please see the attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sold a car without a gas gauge and I was not able to get it registered due to criminal tampering with vin number
Product: Checking or savings account

The ATM for wellsfargo on the XX/XX/XXXX I went to deposit XXXX I had all XXXX dollars and XXXX XXXX dollars when I looked on my account it only had XXXX we went inside to c if we can get the rest of the money they said I would have to file a claim my husband had problems with the atm machine and didnt get a receipt so I filed a claim on XX/XX/XXXX Wellsfargo put the XXXX into my account now the did an investigation and took the XXXX back and left me with a balance on - XXXX it took all my food money and for my bills I live on fixed income we know the XXXX was deposited I no for sure we put in the money we even went inside as soon as XXXX we turned around please help XXXX poor and I have been taking advantage of if we dont have the money and they dont have the money where did it go Thank u XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXX I noticed fradulent transactions on my Barclays JetBlue card. 

Transactions : 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} I immediately called JetBlue, the transactions were cancelled on their end and was told the monies was credited back to my account on their end. Barclays since XX/XX/year> has delayed crediting the entirety of the monies back to my Barclays JetBlue Mastercard. Transactions 1 and 2 ( seen above ) have not been credited back to my account. Transactions 3, 4, and 5 have been credited. I have received " run around '' service since XX/XX/year> from Barclays as to the monies in question. The following are individuals from Barclays with whom I have spoken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This issue has severly impacted my credit score and my credit card account standing as well as put me under heavy stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a complaint with CFPB, with the right result to remove/delete XXXXstudent loan from off my credit report due to improper use. If CFPB agreed that it should be remove why is it still on my report..Here is the complaints ID XXXX XXXX, XXXX Experian and XXXX XXXX which is still open. This is the same student loan that was supposed to be remove and not renamed. 
I Have never sign anything I have no knowledge of that account and never made a payment like they have stated. Wrong and inaccurate information is a cause to be remove again..
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

XXXX XXXX XXXX Balance Owed : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX XXXX  SS, Account # XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Checking or savings account

On XX/XX/XXXX I had initiated an online payment to Town of XXXX for an excise tax using Chase own Bill payment service for {$230.00} which according to Chase system had been withdrawn from my account on a same day and delivered on a next one. 

On XX/XX/XXXX I got a demand letter from a town that above mentioned tax had not been paid. 
I stopped at the town later at branch in XXXX, MA later that day and discussed the problem. We had a teleconference with a XXXX Town Treasurer and they confirmed that money had never been received by town. 
Independently I had opened a claim for the transaction via the online form. 

on XX/XX/XXXX I again stopped at a Town ( asked by chase branch representative ) which performed extensive search for the payment to no avail. I had visited branch later to escalate an issue and had been promised reply in XXXX days. I asked specifically if they claim that chase delivered money which bank ( where ) it got delivered? 
meanwhile my online claim had been denied - chase thinks that money reached destination. 

on XX/XX/XXXX I stopped again at the branch in XXXX to ask what had been found - nothing seemed to be done. I vocal complained and reiterated that town hadn't got the money. 
on XX/XX/XXXX I got a phone call from a branch representative that they would try to look at it again on XX/XX/XXXX I stopped at Town of XXXX and paid " again '' because waiting longer would result in issuing warrant under my name on XX/XX/XXXX I got a call from Chase that they are looking into it on XX/XX/XXXX I got a call from Chase that town of XXXX according to them received money from the XX/XX/XXXX payment. 

-- Short story is that chase claims that money reached destination ( town ) while town says that they never received it.
Product: Credit reporting or other personal consumer reports

These companies XXXX XXXX XXXX and XXXX XXXX XXXX XXXX bought my information from another company without my consent nor did I authorize anyone at these companies to do so. According to The Fair Credit Reporting Act, this is illegal.