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

On XXXX XXXX my chime checking account and savings account and credit card account got hacked at XXXX I get up for XXXX for work but I got up earlier at XXXX XXXX because I kept getting notifications about my account someone went into my chime account changed my telephone number in my account took all the money I had in my saving account transferring it to my checking to only transfer it to my credit card account and doubt all my money on crypto some company called XXXX XXXX I only found out what the company was called cause I did researched. Then they went back in my checking account and use my overdraft protection on some company called XXXX I immediately called chime and made them aware of the situation I had him freeze my whole chime account until I was able to verify myself. Chime then stated that they couldnt dispute my transactions until they clear so a couple days pass by the transactions cleared my account I call chime to dispute it the put a dispute on both credit card account and checking account the credit card account the said they found a error and gave me my money back the same day I did the dispute for my checking account literally XXXX that afternoon I received a email saying they found no errors occurred when I called the customer service number and spoke with a dispute supervisor he said there was definitely a error occurred and your account was hacked I just looked up the merchant and its a scam and he told me to resubmit my proof all the researching I did and information I had and he would do a rebuttal so they can reopen my dispute claim literally four days later the emailed again saying no error occurred but this is what I dont understand how can they give me the money that was stolen from my credit card account but didnt give me the money that was stolen from my checking account. They found a error on my credit card account but didnt find a error on my checking account Im not understanding. So when contacting chime the guy said that they couldnt help me anymore and they wasnt going to reopen my dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE SOME INACCURATE INFORMATION SHOWING ON MY CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX THE FOLLOWING ADDRESSES ARE NOT MINE NEVER LIVED AT THESE ADDRESSES PLEASE DELETE THE FOLLOWING : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

***THIS IS NOT A DUPLIATE NOR HAS IT BEEN REVIEWED BEFORE*** This is in regards to my checking account I established when I first relocated to XXXX, Alabama. I have advised by the Alabama Court system was never an established legal bond under the law because the individual who took over my accounts never made bond for this such status. What documentation was used to closeout recreate another account adding a Conservator on my accounts giving this bank established XXXX complete control and access to all my funds if the court system advised me she never made legal court bond for this authority all? 

This person had a Bank Representative CLOSED my original account I had established during my relocation in 2004 and reopened another checking and saving account at another location within XXXX XXXX. This new account was created by a fraudulent individual acting as XXXX who never made bond with the court system giving her clear legal authority to deal with third parties. Without her gaining a legal XXXX, it does not provide a legal process to have a judge approve major monetary decision on my behalf. Without the court system approving this individual status of XXXX, how and what gave both the individual and the Banking Representative the legal right to take over control of my funds. All funds were transferred from my original account I established into account number ( see attached ) with this bank established XXXX 's address appearing on the checks as well. 
It seems as if this can be a form of Identity Theft in the making. If people were to go into a banking institution without proper legal rights/documentation and take over member 's accounts the world would have a field day! Is this type of transaction a legal approved action a banks can establish through a banking institution and is it legit? I am irate that this type of activity continues to go XXXX in the State of Alabama over and over again and swept under the carpet. People will not assist or challenge this type of activity. But, I will. I would like to know what documentation was received for this individual to establish a XXXX over my accounts if the courthouse states she never established or made legal court bond for this status. 

I am looking for assistance from the CFPB to aid with handling this issue? I have already attempted to have an Attorney assist ( costly and told the bank 's will not cooperate or assist appropriately ) and the Police Department has stated this is not legal and within Statue of Limitations. Any assistance you can provide to me would be greatly appreciated. 

***THIS IS NOT A DUPLICATE NOR HAS IT BEEN REVIEWED BEFORE***
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.
Product: Credit reporting or other personal consumer reports

There is a company called Tomo Credit that helps build credit. They do not keep proper track of payments and charge my accounts several times in a month until I blocked them from charging my account. My balance is suppose to be a lot less and no one is keeping track of payments. I've tried calling, several different emails, messaging their social medias, going through their website to settle this debt I have with them. I was beginning it was a scam or fraudulent company, but now I think it's just run on Ai and no one is actually managing it. The account now shows on my collections, and I can't even contact anyone with the number provided on my credit report. All their means of contacting are automated.
Product: Credit card

On XX/XX/XXXX, I reached out to Care Credit concerning an high interest amount of {$400.00} dollars towards the current balance of {$730.00}. Their excuse was I didnt obligate to a bonus I had know idea about from XXXX. My concern was to close out of associating with the company. They set up an agreement to drop the interest rate if I paid {$650.00} immediately to close the account. We arranged to pay {$320.00} half the amount and the remaining balance XX/XX/XXXX. I in good faith from an agreement contact Care Credit to pay it off. They denied the agreement of {$650.00} and that I pay the full amount with interest. From my temper they they lowered the rate for me to pay an additional {$150.00} to the last payment of {$320.00} from the {$650.00}. I simply want to discard any association with this company. Something must be done from a fraudulent disservice to patients healthcare.
Product: Credit reporting or other personal consumer reports

am writing to formally dispute any credit inquiries appearing on my credit report that may have resulted from the recent data breach at XXXX XXXX XXXXXXXX I request that you immediately investigate and remove any unauthorized inquiries from my credit history. '' Most inquiries are same company 2-4 times. 

I also have incorrect spelling of my name. Many times
Product: Money transfer, virtual currency, or money service

XXXX XXXX  - Business XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX Is a company that claims they " validate your debt '' with the creditor and they settle the debt you pay them to do so. I paid them {$12000.00} to help me settle the medical debt I was being sued for ; credit card debt ; and a couple of loans. 

I want a refund of 3 payments of {$2500.00}. and 1 payment of {$2400.00} ( total {$12000.00} ) as stated from the money you collected from me. I am in the mortgage industry and had a colleague review my credit for home and disputed accounts have not been resolved but are hindering the opportunity in purchasing a home ( from 2017 ). These accounts have just been charged off and you are making money for doing nothing on my behalf. I expect my money to be refunded in FULL immediately. 

It has been over 3 years since I paid the last installment to them and nothing has been resolved.
Product: Credit card or prepaid card

I purchased an order from XXXX XXXX on XX/XX/XXXX, XXXXThe items were returned via XXXX  courier on XXXX XXXX. I was told by the supplier that it will take a few weeks to receive a credit refund. 
I initiated a dispute with my credit card company in XXXX but received written documentation om XX/XX/2022. 
I call the credit card company on XX/XX/2022 to follow up on the matter. I was informed that my account was sold to another company, and they no longer could assist me with the matter. 
I called the new company the same day and spoke with several representatives for over 1 hour. They all informed me that the former company is responsible for the credit refund. I then, called the former company and asked for a manager. She told me that my account was closed and transferred. 
Also, I have a letter stating that I'm due a credit for {$5.00}. I have not received a check or credit refund. 
Since the account has been closed, I no longer have visibility of my statements. 
Former Company Name : XXXX XXXX Synchrony XXXX XXXX XXXX : XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 returned product on card purchase of {$150.00}. Bank of America customer service answers the phone and then transfers to the claims department that is unreachable. I've held on the line for over 2.5 hours only for the call to be disconnected. I've been trying to reach that department for ten days. I filled a complaint to B of A prepaid card services but have not received a response.
Product: Debt collection

The debt collection company First Choice Assets ( XXXX ) has called my number and my wife 's number repeatedly with request for my personal information, which they say they already have and is looking to verify so that they can collect a debt. Everytime they call, they call from different numbers, with different area codes. And sometimes with different names of who they are representing. 

They originally called my wife in XXXX of XXXX looking for me. She forwarded the information on to me and I called the number they gave to her. XXXX asked for my personal data and I verify the accuracy of the personal data. They proceed to state that I have an outstanding auto debt tied to an address that I lived 12 years prior. I replied that the debt is not mine and do not call my wife 's nor my number again. They stated at the time, that I would be served with papers at my home that day and to remain there until the process server showed up. The operator then hung up. I did not stay at home and I did not get served papers. Nor did I expect to because I knew they were out of line. 

Recently on XX/XX/XXXX they called my wife 's cell number and my cell number, while we're both at work. I called back and after the operator verify my personal data and spoke about the same fraudulent debt I requested again that they stop calling our numbers. They called my number again on XX/XX/XXXX with another name. They stated that they were a law firm and left a message. I called back again. Again I requested that they stop calling. The call was disconnected. I called back and requested that they stop harassing us and the operator stated " Good luck with the lawsuit. '' And hung up the phone. 

The morning of XX/XX/XXXX they call both my wife 's number and my number. Again while we're at work. I call back and ask for contact information for the company so that I could report them. The operator would not give me any information, including the NAME of the company that's calling. She only keep stating that the debt is mine and that they will have to sue me. I continue to ask for contact information and the call was eventually disconnected. 

At the same time of me calling, someone who stated he was a " supervisor '' called my wife again and threatened to contact our home loan provider if the debt is not taken care of. I called back again and was forward to who I assumed told my wife he was a " supervisor ''. Again threats of served papers, liens at addresses was stated from the " supervisor ''. This is while I STILL was trying to get contact information for this company. The only this the " supervisor '' stated was the name of the company was First Choice Assets. He asked why do I need they information. I stated that I wanted to have my attorney deal them. He said " You don't have an attorney. '' and hung up the phone. 

They AGAIN call my cell phone 2 hours later while I'm still at work and left another message. I call back later and AGAIN request that they remove my phone number. They operator only said " It's removed '' and disconnected the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've noticed that there are addresses that aren't mine this is very alarming to me I have attached my identification with the only address and name that should be listed on my file I am a XXXX and my file may be mixed up with my father or worse a stranger
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXX  to verify that credit acceptance was my debt. XXXX keep saying this account was verified but never sent any verification to my address. Credit acceptance couldnt verify this debt with XXXX and XXXX so the account was deleted. XXXX is not verifying nothing with original signed documents nor are they even probably investigating these debts. XXXX is horrible. XXXX have all my accounts in a negative stand but on the other toe bureaus they are all in good standing. XXXX is carousing harm to my credit report by falsely keeping these accounts that they can not verify on my credit report. Then they are still reporting it on my credit after it was closed for years
Product: Debt collection

Account appeared on my credit reports. I disputed it, it was removed and company added the account back to my credit and continue to make attempts to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never giving my legal consent to have CBNA Bank Credit cards to run my credit and cause an inquiry Dated XX/XX/2018 their for causing a negative impact to my credit score.
Product: Checking or savings account

On XX/XX/XXXX at XXXX, Pacific Daylight Time, I called the Ally Bank customer service department XXXX to inquire about the beneficiary listed on my two certificates of deposit. Each year I review my financial plan as I am XXXX years old and in poor health, to make sure all my records are up to date. After asking my identity and confirming same, I was placed on hold for 15 minutes after which a different representative came on line to advise she could not reveal that information. When asked why, she could give no answer, After being placed on hold for another 30 minutes, a supervisor came on the line and advised he could not tell me why I could not receive the information stating that there was fraud. He immediately withdrew and apologized for the comment and advised that someone would be contacting me in 48 hours. The length of this phone call was 52 minutes only 7 of which were conversation, the remainder of the time I was on hold. On XXXX at XXXX Pacific Time, a representative from Ally called and left a message to call back. I returned the call to XXXX was placed on hold for 10 minutes then told to leave a message which I did ; still no callback as of today, XXXX, XXXX, Pacific Time. I have been locked out of my account with no verbal or written explanation given. Material information has been concealed and further, I was defamed by being told there was fraud and not by whom, if any and finally, I have been dealt with in extremely bad faith. I do not trust Ally bank with my funds any longer and want them returned at once. I have no idea what is going on. Please feel free to demand a copy of the recorded transcript if you have any doubts as to the accuracy of this complaint.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice EXPERIAN, XXXX, XXXX XXXX  AND XXXX have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means. 
consumer report ( 1 ) In general, The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
FICO or none of its factors, are not defined or included in the definition of the consumer report! Therefore, the reporting of transactions between the consumer ( XXXX XXXX ) and the Person ( XXXX XXXX  ) is a violation of 15 USC 1681a, the definition of the consumer report does not include FICO or XXXX, which makes their factors or algorithm is not a factor where the consumer report is concerned. 
You have furnished transaction information on the following accounts ( XXXX XX/XX/2023 ) ( XXXX XXXX  ) has charged fraudulent late fees and, in addition, inserted late payments on my consumer report, all payments were made on time, and all payments were exact and all payments were made on their respective due date. My account with XXXX XXXX  was never late! This was clearly a billing error, and a double dipping scheme. This act is shameful ; it has caused severe harm to my reputation, my character, my mode of living and to my family! I need the following : late payments Deleted : ( # XXXX )
Product: Credit reporting or other personal consumer reports

I have disputed XXXXXXXX XXXX XXXX and they still have not validated the debt with a contract that has my signature stating that I have a contract with their agency. As a third party they are in violation of the Privacy Act of 1974 because I have not given them my social security number for the purposes of a contractual relationship with them or permission to be in possession of my personal identifying information in violation of the FCRA and the FCDPA permissible purposes 15 USC 1681b and validate the debt 15 USC 1692 including providing the master servicing agreement for the debt as well as the items listed in my letter that was sent to XXXX XXXX requesting the debt be validated before reporting to the bureaus within the initial 30 days of receiving their letter and I complied and I received nothing but they posted defaming information to my credit report with through a third party XXXX  which is a violation of my rights according to the Privacy Act of 1974 and the Patriot Act under Title 12 for companies who are securitizing my data through the SEC without my permission must have certain identifying documents and I have not provided any of those documents to XXXX XXXX. I am prepared to take legal action against both XXXX and XXXX XXXX for using my bureau reports to post negative and defamatory information to my credit reports without my permission. 

Also the follow addresses do not belong to me and are a violation of identity theft because I never lived there. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the above addresses that are fraud and do not belong to me. Please remove these addresses from my credit report. I have a right to a fair and accurate reporting to my credit report in accordance to the laws of the FCRA. I am the person who determines what posts to my report. Not XXXX nor XXXX XXXX and both must conduct themselves in accordance with the laws of the FCRA, FCDPA and the Privacy Act of 1974.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXX  to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are incorrect Information reporting on my credit report. There are fraud accounts reporting and incorrect personal Information. 

Incorrect Address Information : XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX The following account is reporting as a result of fraud : - XXXX XXXX XXXX XXXX & Equifax ) ; Bal : {$640.00} - XXXX XXXXXXXX XXXX XXXX - ( XXXX ) ; Bal : {$270.00} - XXXX XXXX ( XXXX ) ; Bal : {$0.00} - XXXX XXXX XXXX - XXXX XXXX  ) ; Bal : {$990.00} The following public records are not mine : Chapter XXXX - Dismissed XXXX date : XX/XX/2015