23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft ( PURSANT TO FCRA XXXX XXXX ( XXXX XXXX XXXX ). consumer company XXXX Trans Union ) Refused to move negative reporting items on my consumer report I have disputed these accounts on this XX/XX/year> with ( Trans union ) And they refuse to remove these accounts. I have listed ( XXXX XXXX XXXX XXXX, {$3600.00} ) ( XXXX XXXX XXXX balance {$25000.00} ) ( XXXX XXXX XXXX XXXX, {$25000.00} ) ( XXXX XXXX XXXX balance {$850.00} ) ( XXXX XXXX XXXX balance {$4800.00} ) XXXX XXXX XXXX XXXX Has removed all of these accounts from my consumer credit report as well as XXXX. these accounts has resulted in several data, breaches, fraudulent inquiries and third-party fraudulent collections, appearing on my consumer report. These items are reporting charge off every month every time making my account look more newer than it appears re-engaging an account is illegal. Not indicating when if the account has been sold, Misrepresentation Of the account status to another third-party company is ( double XXXX ) please remove all fraudulent accounts immediately from my consume These reports needs to be removed immediately
Product: Checking or savings account

We were legal cosigners with our adult daughter at US Bank. She had XXXX   XXXX XXXX and XXXX  XXXX XX/XX/XXXX. In person we visited the bank with the death certificate and all information they required to close all accounts. Once the accounts were closed and settled we transferred the remaining funds into a trust for the beneficiary. 

Our daughter is still receiving emails and letters from US Bank   regarding her accounts. 

XX/XX/XXXX : an email survey was sent to her, they want to know how they're doing. I responded to the survey, which was from XXXX XXXX XXXX on behalf of US Bank. They responded back to me they will pass the information to US Bank. 

XX/XX/XXXX : email sent to advise her about the updated XXXX alerts and to confirm the correct email associated with the account. 

XX/XX/XXXX : email received " are you missing out? '' presumably to promote services. 

XX/XX/XXXX : letter received regarding account terms, late payment fees, airline/travel service fee changes. 

XX/XX/XXXX : letter sent advising Visa card attached to account has been cancelled because of non-use.
Product: Debt collection

HELLO MY NAME IS XXXX XXXX AND THIS IS MY SECOND ATTEMPT ON TRYING TO RESOLVE THIS MATTER WITH COMMONWEALTH FINANCIAL. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.
Product: Debt collection

This account was opened fraudulently and they can not provide any binding documents stating that the account is belonging to me. 

I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( mo ) XXXX XXXX XXXX presume that no proof of there alleged debt, nor therefore any such debt, in fact therefore exists
Product: Payday loan, title loan, or personal loan

Applied for 0 % financing for a dental procedure. My credit score was in excellent territory based on their web site example. Also provided XXXX plus in proven liquid assets. Instantly approved but was not offered the 0 % program instead I was offered 15.99 % and higher. I contacted company to complain and they gas lighted me saying my score and assets must not be enough but that they can't see the information on their end. I told them I had not been turned down for 0 % financing in at least 15 years and it must be a mistake. They do nothing about it and tell me tough. Offering programs then changing the terms with no proper guidelines is illegal and predatory. I took my business to XXXX XXXX and was instantly qualified for 0 % 12 month program no questions asked. I notified the dental office and the XXXX  about this predatory behavior and I'm extremely disturbed at other reviews I've now read about this company.
Product: Money transfer, virtual currency, or money service

I am writing to formally dispute a {$150.00} XXXX transaction I made to an individual named XXXX XXXX his XXXX employment name is XXXXXXXX XXXX XXXXXXXX, on XX/XX/year> I called XXXX ads to set up ads for my small business, the representative XXXX XXXX offer to help me with my XXXX ads account for {$150.00} a month since he is a XXXX employee and support consultant. He used an official XXXX email address and represented himself as a legitimate support technician. After offering to assist me with an issue, he asked that I send him {$150.00} directly via XXXX for further help on the side, because i trusted XXXX and him beign an authorized XXXX staff member and me neesing help with the ads. I agreed to pay the money and send it via XXXX. He said he will email me from his freelance email with the name of XXXX with further info. I received an email with a phone number and name XXXX XXXX and I XXXX the money. 
After I sent the money, he completely disappeared and stopped responding, then he send an email after i complain to XXXX that he got into an accident, i told him i want feeling comfortable moving forwars since he dissapeared and to send the money back but he never answer or sent the money. I file a complaint with XXXX and later spoke with his XXXX at XXXX, who confirmed he had been taken off the phone as a disciplinary action. However, this internal action does not correct the financial harm done to me, nor does it excuse the unacceptable behavior from someone using a position at a reputable company to defraud customers. The manager said the mo ey was between me and him but it happened while i was on the phone with a legit XXXX representative. 

This is not a simple case of user error or a mistaken paymentit is a clear case of fraud involving impersonation, deception, and abuse of authority. I acted in good faith, trusting the legitimacy of someone with an official XXXX email account and phone number. I expected protection from my bank and XXXX for such an obvious case of fraud. So far, my claim has been denied without a proper investigation by wells fargo saying that my payment was voluntary wich it was but then the person disapear and they disnt even ask me for evidence which i have a lot of emails and screenshots. 

I am demanding that my case be escalated, reconsidered, and fully investigated. I am happy to provide screenshots, proof of payment, and my communication with both XXXXXXXX XXXX XXXXXXXX and XXXX management. As a consumer, I should not be left financially unprotected when defrauded by someone in a position of professional trust. 

Please treat this matter with the seriousness it deserves and issue a full refund of the {$150.00} as soon as possible. If you help contact my bank so that they take this seriously and do a propper investigation. 
Wells fargo denied my claim withouth even investigating they never ask for emails or screenshot proof. Claim number XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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: Checking or savings account

On XX/XX/XXXX. I got a call from chase bank saying there was suspicious activity going on in my account. Which there was. I was a new customer only been with them since XXXX. So I didnt know what their policies were. The days go by and I find out that all my money is gone. I tried and tried with every department but they just ended up calling me XXXX basically and said that the money was long gone. I wasnt able to get a reimbursement. Just a Im sorry.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS 15 U.S.C.1681 SECTION 602 A.STATES I HAVE THE RIGH OF PRIVACY.

15 U.S.C 11681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CONNOT FURNISH AN ACCOUNT WITHOUT MY WRITING INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settledXXXX 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 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 or other personal consumer reports

I am writing to formally dispute the reporting of a bankruptcy on my credit report. My bankruptcy case was XXXX in XX/XX/year>, but the bankruptcy court never instructed the credit bureaus to report this information. While I understand that bankruptcy is a matter of public record, I believe the inclusion of this information on my credit report is incorrect and potentially violates my rights under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, credit bureaus are responsible for ensuring that all information on credit reports is accurate and fair. Specifically, information can not be added to a consumer 's credit report unless it is accurate, complete, and furnished by entities that are authorized to report such information. As the bankruptcy court did not mandate the reporting of my bankruptcy, I am requesting an immediate investigation into the source of this information and the removal of the bankruptcy from my credit report. 
I ask that this matter be investigated promptly and that the bankruptcy entry be removed from my credit report. In accordance with the FCRA, please provide me with the results of your investigation and an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

Regional Finance is reporting false information on my credit file. They are reporting a false balance of XXXX dollars on my report with the report date of XX/XX/2023. Around XX/XX/XXXX, I called them to see what the original balance was and to see how many payments i was behind. they informed me that I was about XXXX dollars behind but now they are saying I am XXXX dollars behind on my credit report which is false. I have called them multiple times and they dont answer. I have emailed the branch manager from the branch in XXXX nc on XX/XX/XXXX of this year and she has yet to answer. i have reported them to the nc doj but they refuse to reply to the nc doj as well. the account ends in XXXX i tried to get this fixed with XXXX  also but XXXX will not remove the account, even after sending in multiple ftc id theft reports. i do not know what else to do
Product: Checking or savings account

Hello, I currently hold a Captial One 360 savings account. I read about the lawsuit as ive been impacted by this. The interest rates havent been as promised by the company.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I got SIM swapped from XXXX. The intruder was able to hack my emails and also get into my Coinbase account. He was able to change my password and also change my 2FA verification settings with XXXX authenticator so I do not have access to the account. That person also made an unauthorized transfer to an unknown digital wallet worth almost {$50000.00} of my LINK tokens. I was able to disable my Coinbase account online since they do not have a live agent you can speak to when you call the customer service number. This is the worst financial company out there. Since that day I have been sending them complaints and emails and filling out incident reports on their support website. All i get is automated replies. My email address on my Coinbase account is XXXX. Please I need help. I do not know how this happened. I do not have access to my account. How can this be legal?? I have been reading that there is a whole lot of people also trying to get communicated with Coinbase and they can not get a hold of anybody. How can this keep happening????? I filed a police report but that is no help either. They do not do anything to help. Nobody seems to do anything
Product: Payday loan, title loan, or personal loan

My bank started the issue with returning a payment in error, stating my account was closed. It took 3 months to get them to admit and correct this error, but they sent a letter stating it was an error and not my doing. So one main opened auto pay back up. But during the 3 months, I was having to manually pay online, which put me behind because I only have one bank, and now have to move money between cards and be subject to each institutions wait and processing times. I always made every effort and paid any late fees applicable. I also made sure the issue was fixed. But after that, thr employees at one main started to call me and ask me to schedule an auto pay or defer. I deferred once but decided it's cheaper to pay the late fee and set my auto pays with the reps up for the XXXX. Well XXXX I get a call from a rep again to set up another, while I try snd catch up to current, and I always schedule the XXXX because it's my XXXX XXXX pay day. I move on with life and I get another xall from another rep who begins harassing me abkut how I need to make a payment right now or defer right now. I tell her I already have one scheduled and she says it doesn't matter, I need to either make a payment right now or defer right now. I insist I habe one scheduled and how does it not matter when another rep scheduled it with me prior? She said it's not ok to be late and if I don't pay or defer then she is going to have to have the branch manager call me. And I said fine because it isn't ok to tell a consumer a payment is ok and then lie about it and harass them for more. The branch manager never called me so I pa icked and went online and coukdnt see a scheduled payment. I made an immediate payment for what was due, all of it, {$600.00} and some change. Well two days later I get hut for over {$1200.00} off my account. I had actually had kne scheduled but they did it for the XXXX and I never would ever request the XXXX. So I start trying to get the double payment back and the rep tells me they won't give it back because XXXX is next week basically. Now that is two {$600.00} payments in one month .... why did I get charged late fees twice? I should get one late fee back as it isn't XXXX, so XXXX isn't late. They refuse. I file a complaint with XXXX and on complaim on their XXXX. I get a call today and they say sure we will give the extra payment back, no problem, but you need to send us a current bank statement or we CANT. I ask if this is law or internal policy, they say internal policy. So they are holding a double payment, that they are not entitled too, plus a late fee they also are not entitled to, for an internal policy that does NOT trump state or federal laws ablut refunds and extra payments or payments taken on wrong days. I asked for a waiver since they can clearly see in their system that they took two payments in one month, and he admitted he can see it but that they can not return my money back to me, because their company invented a malicious internal policy to make consumers XXXX through hoops for refunds they are legally entitled to.
Product: Credit reporting or other personal consumer reports

My information was leaked to third partys which was not in my consent
Product: Credit reporting or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX AND XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Hello, This my final warning that I have explicitly explained to you these items are not accurate and not complete and you have continuously keep reporting them. 

Date of last activity Open Date Closed Date Account Status I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within XXXX  days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the XXXX credit bureaus with these accounts listed below. 

XXXX XXXX I have now pointed out the mistakes so this account needs to be deleted immediately not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX XXXX Equifax XXXX XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletion. 

Thank you,
Product: Credit card or prepaid card

I have placed a permanent credit card offers opt out on all three credit agencies on XXXX on web site outoutpreescreen.com with refence numbers XXXX and XXXX, however on XXXX I was mailed a credit card offer with promotion checks for my Fidelity Investments /Elan financial service credit card ending in XXXX. Please look into what credit agency or if the credit card company is responsible for this error and correct with the appropriate agency to make sure I will receive no such offers in the future. Furthermore, as of XXXX I have permanently opted out once more, via phone and mail with confirmation number XXXX. Please make sure this does not happen again.
Product: Debt collection

I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX, # XXXXXXXX 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
Product: Debt collection

I received a call today, XXXX XXXX, 2017 at approximately XXXX MST from a woman saying she was calling from " XXXX XXXX She claimed to be collecting on a debt from my old child care provider, XXXX XXXX located in XXXX, AZ. I was in complete shock because this was my first time hearing about this, I have never received any noticed that I owed my child care  anything. She gave me an amount to pay of {$600.00}. I told her that I was disputing this claim, and not to contact me until I send it in writing. She told me that she was going to continue to contact me even if I was disputing this claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information XXXX XXXX XXXX XXXXXXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX - XXXX - Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX  XXXX- Not all bureaus are reporting this account that way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

XXXX XXXX XXXX XXXXXXXX - By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX - Only your bureau is reporting this account late. There is no other bureau reporting this account. Please remove this right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint. This is the results of the outcome of what capital one provided to me last time. 


After submitting my dispute and all proper documentation t capital one, capital one claims they did a fraud investigation and verified a fraudulent item as mine. 

XXXXThey sent me a HUGE envelope from their legal counsel XXXX XXXX  XXXX ( possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

Capital One is continuing to report a fraudulent account to my XXXX   credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information them as well as with my 605b FCRA request to block this fraudulent information from my report. THey are in strict violation of the FCRA and this must be fixed.