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

XX/XX/XXXX several charges appeared on my bank account that were of unknown origin. Chase bank contacted me to verify the charges. The representative and I verified which charges that day were from me and which were not. All the fraudulent charges took place within a 2 hour time frame. All of those charges were reversed. 
XX/XX/XXXX I noticed a charge for@XXXX from XXXX with a memo referring to XX/XX/XXXX. One of the fraudulent charges were put through again. 
I contacted Chase bank on XX/XX/XXXX and they stated that XXXX claimed the charge was legitimate. I disputed it, only to be told it 's between myself and XXXX since they say it was legitimate. The bank representative stated that my IP address and that of the purchase were the same. I asked him how he would know that information and he ignored my question. I was at work when the charges went through, so there is no way my IP address would have matched. Not to mention there is no way for Chase to know what my IP address is. When I asked again, he told me that XXXX informed them that the IP addresses were a match. When I asked how they would know that, my question was ignored. 
I contacted XXXX on XX/XX/XXXX. They stated that the charge was verified. They told me the address for billing and shipping matched, even though the information they provided me with ( transaction number ) clearly shows a shipping address that is not mine. When I pointed this out, I was informed that the charge was legitimate and I would need to contact my bank to dispute it. I told the person that I did dispute and that my bank says that since XXXX says it was legitimate then that was what they were going with. 
When I asked XXXX about the IP address thing that Chase mentioned, he said the IP addresses did match. I asked him what my IP address was and he could n't tell me. 
He did give me the address that the item shipped to. After he 'd just told me that the item shipped to my address. That address is not my address. When I asked about it, he simply stated " That 's the shipping address you provided ''. I told him that I did n't provide anything because I did n't know anything about this charge. I was ignored and told to contact my bank or the police to resolve the issue. 
I contacted the police and filed a report, but that 's about all that was done on that end since they have n't called me back. 
I 've contacted Chase bank again and told that " as far as we 're concerned, the matter is closed ''. Which tells me they have no intention of doing anything further. 

I 'm at a loss and I need my money back. I ca n't seem to get anyone to do anything about this. I have attached a screenshot of tracking information at XXXX for the fraudulent purchase.
Product: Credit card or prepaid card

Note : All documents and attempts to collect equity owed are lawful and accordance to the federal reserve act, bills of exchange act, laws passed by congress and the U.S. Constitution. I am a law abiding citizen of America and my rights are being violated. Which I will prove in Arbitration.

On or about XXXX  an application ( collateral security ) was given to XXXX XXXXXXXX XXXX XXXX AMERICAN EXPRESS. 


Upon my research and investigation I have found out that my application ( collateral security ) was in fact exchanged for federal reserve notes at their local XXXX XXXX XXXX ( as I pay fees and interest out of pocket on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities and equity that were taken from my estate. 


On XX/XX/XXXX XXXX XXXXXXXX, XXXX on behalf of XXXX XXXXPrincipal gave first notice XXXX XXXX XXXX XXXX that I accept all Titles , Rights, Interest and Equity owed to XXXX XXXX XXXX Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the XXXX XXXX Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or XXXX XXXX  assessed . 


They're in Breach of Contract for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter.
Product: Debt collection

This debt is not mine! I have disputed it several times with XXXX and they continuously verify it. XXXX XXXX and XXXX have both removed it because it is not mine and there is no possibly way it could be verify because it is identity theft. This is a violation of the FCRA 605b and the FDCPA to continue to report this. This is inhibiting my ability to obtain credit and I have contacted a lawyer and he advised me to do this before we file suit against XXXX. This need to be deleted ASAP, I can not do anything with this one my record I can not get housing, and credit or transportation. 


FAIR COLLECTIONS & OUTSOURCING {$7800.00} opened XX/XX/2016 Delete immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

My report have my social number incorrect and my name, address is incorrect as well. And it constantly putting my credit in a bad position when the information isnt correct. 

Trying to get money out of me when the account of been sold thru a 3rd party and they constantly hitting my credit report when they dont suppose to.They cant identify my original account etc
Product: Vehicle loan or lease

My insuranse have diferernt lienholder the dmv was diferent lienholder and my credit report was diferent i want to no the real  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

This is a continuation to my original complaint XXXX. The company, XXXX, was notified by your department on XX/XX/XXXX and I was called by XXXX on XX/XX/XXXX and spoke with a woman who claimed to be an " investigator '' for my claim. We discussed the loan and I expressed to her that the final amount owed was double the pay off amount. The pay off in XX/XX/XXXX was ~ {$13000.00}, and the company was charging me {$24000.00} on my credit report.She said she would investigate that amount. I also requested through a verbal " Goodwill letter '' that the derogatory marks on my credit report be removed. She said she would look into that. She said that she would follow up with me and call me the week of XXXX XXXX. As of this day, XXXX XXXX, I did not hear back from her. 
It is quite obvious that this company is not serious nor making any concerted effort to resolve this issue amicably. Just as they have shown in the past 11 months. I am not going to waste my valuable time dealing with a party that has no true intentions in settling this dispute.
Product: Checking or savings account

XXXX called from XXXX XXXX this afternoon. He needed to identify me. He asked for my Mothers maiden name which I then gave him. He then asked my birthday which I then gave him. Incredibly, he asked my age!!!!!!! I repeated my birthday! Again he asked my age. Again I gave my birthday. Again he asked age! The XXXX question I have ever heard! Total incompetence! What kind of company is this? I hung up!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter that I sent to XXXX, Experian, and XXXX XXXX on XXXX XXXX. More than 30 days have done by, and I have not yet received responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive started receiving credit alerts on XX/XX/XXXX about several erroneous inquires. Which prompted me to check my credit, which is where Ive found several unauthorized inquiries. 


In addition, I have an opened auto loan through Capital One Auto Finance. The loan was opened on XX/XX/2018. However, I have two unauthorized inquiries from Capital One Auto Finance on XX/XX/2018 and XX/XX/2018. I have no authorized any inquires to Capital One Auto Finance after the open date of XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I've attached a downloaded CFPB complaint that was not responded to within the 30 day window.
Product: Credit reporting or other personal consumer reports

Experian closed XXXX complaints without having addressed any of the problems and once again experian has NOW stolen 18 months of on time never late payments to XXXX and refuse to give them back but as usual experian gives explanations that are useless and have absolutely nothing to do with the problem
Product: Payday loan, title loan, or personal loan

( 1 ) On XX/XX/XXXX, XXXX XXXX XXXX XXXX executed an insurance premium finance agreement with XXXX XXXX XXXX, through XXXX XXXX XXXX XXXX. 
( 2 XXXX XXXX XXXX XXXX XXXX finances {$410000.00} of {$480000.00} in insurance premiums with XXXX XXXX XXXX. 
( 3 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its first partial down payment of {$42000.00} to XXXX XXXX XXXX XXXX. 
( 4 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX made its second and final partial down payment of {$26000.00} to XXXX XXXX XXXX XXXX. 
( 5 ) XXXX XXXX XXXX XXXX made three monthly payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of {$45000.00} which included a late charge of {$2100.00} for each payment made, totaling {$130000.00}. 
( 6 ) On XX/XX/XXXX, both General Liability and Excess Liability policies were canceled. Two Cancellation Endorsements were issued. The General Liability policy was to return unearned premiums based upon a completed audit. The Excess Liability policy returned {$82000.00} in unearned premiums to XXXX XXXX XXXX. 
( 7 ) On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX Assistant Vice President of Collections, received confirmation by the General Liability carrier that the audit was completed. 
( 8 ) On XX/XX/XXXX, a Summons and Complaint was filed in XXXX XXXX Supreme Court against XXXX XXXX XXXX XXXX in the amount of {$230000.00} as balance owed and due to XXXX XXXX XXXX. 
( 9 ) On XX/XX/XXXX, XXXX XXXX, Owner, and President of XXXX XXXX XXXX XXXX requested a detailed breakdown of the amount XXXX XXXX XXXX claimed XXXX XXXX XXXX XXXX owed. XXXX XXXX XXXX ignored the request. 
( 10 ) On XX/XX/XXXX, the General Liability carrier issued a Cancellation Audit Endorsement with a return unearned premium of {$200000.00}. 
( 11 ) On XX/XX/XXXX, XXXX XXXX XXXX  informed me that XXXX XXXX XXXX will not be waiving any accrued interest or fees and will continue to litigation for the balance of $ XXXX on unearned premiums, in addition to legal fees. 
( email attached ) ( 12 ) XXXX XXXX XXXX is in violation of Section 3428 of New York 's Insurance Law.
Product: Credit reporting or other personal consumer reports

You never provided an answer of your involvement of XXXX purchase agreements you sign off on XXXX. Hud a sale date of illegal XXXX immigrant XXXX XXXX XXXX and XXXX and fake doctor fired. I reported to XXXX as XXXX. Then your support led to XXXX XXXX XXXX went on to XXXX XXXX XXXX XXXX account checks in my name led by corrupt XXXX XXXXXXXX XXXX XXXX XXXX XXXX and XXXX XXXX of XXXX XXXX and reported as XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX of XXXX XXXXXXXX XXXX used a fake loan for XXXX y'all shared. Then XXXX XXXX XXXX XXXX XXXX XXXX and enforcement XXXX under XXXX discovered my settlement and now LexisNexis XXXX XXXX XXXXXXXX Tradelines XXXX XXXX XXXXXXXX XXXX and now XXXX confirmed my loan was paid off in full XX/XX/year>, please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the XXXX whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of item that is UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX  XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX Open Date XX/XX/2019 balance : {$270.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2017 I sent a wire transfer of {$3000.00} to Coinbase using the information that they gave me from their website. The next day I received an email stating that they would have to return the funds because the names on my bank account and coinbase account didn't match. I figured out why they didn't match and i was fine with that. In the email that they sent they stated that it could take 7 days for a reversal to take place. On the website it stated that It could take 7-10 buisness days for the reversal to take place. It has been 60 days and I haven't received my funds as of yet. I've talked to different representatives at Coinbase and I always get the same response, we've escalated your claim to a higher tier.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report from one of the credit agencies. Experian, XXXX or XXXX. Upon reviewing it I noticed some discrepancies that I would like to address. 

There seems to be a record of payments and inaccurate accounts associated with my profile specifically concerning the account under ( XXXX XXXXXXXX ). I want to clarify that I have never been late in making payments for this account. Kindly provide documentation supporting any alleged payments so that we can rectify this error. If you are unable to provide evidence, I request that these inaccuracies, be promptly removed from my credit report as per 15 USC 1681b.

It appears that there may have been a misunderstanding or oversight on your end regarding the reporting of information related to my account. According to the law outlined in 15 USC 1681b concerning purposes of consumer reports it is crucial to adhere to guidelines when furnishing consumer reports.

As per the statute mentioned above consumer reporting agencies are only permitted to furnish consumer reports based on written instructions from the individual. Therefore, I urge you to verify whether I explicitly authorized the inclusion of this information in my credit report.

Thank you for your attention and cooperation, in resolving this matter efficiently.

Additionally, the FAIR CREDIT REPORTING ACT, under section 15 USC 1681 ( 2 ) ( a ) ( i ) specifies exclusions regarding information in consumer credit reports.

( 2 ) EXCLUSIONS. With the exception outlined in paragraph ( 3 ) a " consumer report '' does not encompass Within the provisions of section 1681s 3 of this title any ( i ) report that solely contains details about interactions or transactions between the consumer and the reporting entity. Kindly remove the payments from my consumer report as it violates 15 USC 1681.

Failure to adequately respond by deleting the specified account from my report and providing a complimentary copy post adjustments will lead to action against your organization. I intend to seek {$1000.00} per violation for.

1. Defamation of Character 2. Negligent Enablement of Identity Fraud 3. Violations under Fair Debt Collections Practices Act specified in 15 USC 1692g 4. Willful noncompliance with Fair Credit Reporting Act outlined in 15 USC 1681. Liability, for noncompliance [ IS U.S.C. 168 In ] Two year payment history is erroneous and incomplete with all three credit agencies. 

XXXX : 30 days late XX/XX/20XXXX & XXXX XXXX 60 days late. 

Experian : 30 days late XX/XX/20XXXX and XXXX XXXX 60 days late. 

XXXXXXXX XXXX XXXX XXXX  30 days late and XXXX  60 days late.
Product: Credit card or prepaid card

I tried to close my account because this company added an maintenance fee without notice. I canceled the account and now I see an additional charge of XXXX for protection that I never signed up for. Their statements do not reflect what the account would look like after 1 year and all these new fees are new, I do see why the fee popped up after I canceled my account not before I canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021, AFFILIATED MANAGEMEN add a derogatory mark on my credit reports. AFFILIATED MANAGEMEN did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX never late! I have had exceptional payment history with XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX and XXXX payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Dear Sofi Legal Team, I am writing to express my deep frustration and concern regarding the recent restriction placed on my account. Despite numerous attempts to contact your team, I have not received a clear reason for the restriction or a timeline for its resolution.

The restricted transaction in question is an owners draw from my company account to my personal Sofi account. This situation is particularly urgent because I need to make a down payment for a house closing, and the restriction on my account is jeopardizing the entire process. 

I kindly request that this issue be addressed with the utmost urgency to avoid any delays or complications in the closing of my new home. If you require any additional information from me to expedite the resolution of this matter, please do not hesitate to reach out. I am available to provide any documentation or details needed to resolve this issue as quickly as possible. 

Thank you for your prompt attention to this critical matter. 

Sincerely, XXXX
Product: Mortgage

The Indiana XXXX XXXX made a payment to Selene Finance to cover my mortgage arrearages. 

Instead of my loan becoming current, the mortgage company did not apply the payments to my arrearages- yet Selene Finance charged me thousands of dollars of fees that have no explanation. 

I have reached out to them in writing- via email and via telephone. 

I have not received any communication of this issue and the fees keep getting added to my loan. 

Additionally, the XXXX XXXX XXXX has not been applied to my account. 

There are fraudulent incidents continuing to take place with Selene Finance Mortgage Company.