23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My identity was compromised in 2019. I noticed an issue when I started getting reports on my credit stating that I had accounts being opened that I needed to be aware of. I obtained a police report and began sending the required information to every credit bureau. Experian deleted the account from XXXX XXXX  and put the account back on my credit. The account is indeed fraudulent, and the company reports an address I have NEVER lived at or been associated with. I tried to get the account deleted by Experian, and they refused to delete it because XXXX XXXX  is reporting that the account belongs to me. In accordance with the FCRA, the accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681B. This law states any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. These accounts were obtained fraudulently under an address. that I have never been associated with is now reporting on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victim of Identity theft. See attachment exhibits
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again the crooked lawbreaking XXXX XXXX XXXX has once again left the last payment date off off of my credit file with equifax and XXXX, Thus violating the law and still throwing my unlawful XXXX around like its okay And they have medical in the remarks of one and not the other, they have junk data hows it con a say Consumer disputes reinvestigation in progress Account previously in dispute - Now resolved by data furnisher That is redundant and its junk data! 
The furnisher hasnt resolved a XXXX thing but a bunch of violations hes gon na pay me well for, inconsistent data, it never fails. And then on the other one, it says XXXXXXXX XXXX previously in dispute - Now resolved by data furnisher lol/ I consistent, unfair! XXXX 




Hope you got your checkbook ready cause the federal complaints are being drafted now, you scored good! 

See you later?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX  - Account # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

JP Morgan Chase charged off the account in the amount of {$6200.00} ( Act # XXXX ) however I never received the 1099-C. Formally requesting that this get taken off my credit report since it has been charged off and I am requesting the 1099-C. It is unlawful to charge off the amount and not accurately report/remove this item from my credit report.
Product: Debt collection

I have a student loan held by Key Bank which until recently has been serviced by XXXX XXXX. With the merger of XXXX XXXX and XXXX, management of my loan was released to XXXX XXXX. Within a month of the transition XXXX permanently raised my monthly payment without explanation or disclosure of the financial impact. I contacted XXXX for explanation of the change and full disclosure of adjusted terms of the loan. Customer service was only able to suggest that there had been an interest rate change which XXXX XXXX had for some reason chosen not to process which would now be applied by XXXX. No disclosure of the impact of this change, either monthly or in the life of the loan, was offered or provided. This is basic information. It is very clear that XXXX would prefer to raise rates without explanation and at their own discretion.
Product: Checking or savings account

Someone stole my identity and used my debit card number to make purchases over a three year period through two banks. My current bank XXXX XXXX and past bank TD bank. I ended up with an unusual number of overdrafts at TD bank and had to change my debit card three times. I explained to them that someone was using my debit card but they could somehow always say my account was correct. I changed to XXXX XXXX whete I recently discovered that money was being transferred from my account into XXXX XXXX. The only reason I caugjt it was because it was over XXXX .
Product: Debt collection

THE COMPANY, PORTFOLIO RECOVERY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002- I AM THE NATURAL PERSON WHICH MEANS THE NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. The term Bureau means the Bureau of Consumer Financial Protection pursuant to 15 USC 1692a ( 1 ). XXXX, XXXX, XXXX and XXXX have assumed the role to be bureaus ; however, Consumer Financial Protection Bureau is the only true bureau. This company does not have prior consent granted from the consumer to communicate with a consumer in connection with the collection of any debt as stated in 15 USC 1692c ( a ). PORTFOLIO RECOVERY has violated and threatened my rights to privacy by furnishing information through different mediums of communication. This company has failed to provide documentary evidence in request to investigative the consumer report in accordance with 15 USC 1681a ( e ). Such information on the consumer report shall not include specific factual information obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer. This company should be held liable for damage to my reputation and the account should be deleted from all consumer reporting agencies.
Product: Credit card or prepaid card

I can not remember, one dispute opened with Citi Cards, that has been resolved in my favor. 
XXXX is the merchant responsible, and under which umbrella, a few individual stores sell articles at a such poor-quality using false advertisement, that it became insulting. When confronting on the low-quality products, they use tactics such as delayed response or obstructive and convoluted requests for proof, that the buyer claim runs out of the 30 day-protection guaranties. Not only XXXX XXXX XXXX has created an evidence cheating pattern that works well with the Citi card dispute team, but also the claim resolution always favors the large customer. It looks like that is Citi Cards ' policy. 
I emailed incontestable evidences ( dates and copies of previous emails w/contacts, pictures, receipts for returns, etc. dated XX/XX/XXXX and XX/XX/XXXX to XXXX ) and in 3 separate instances related to this claim I spoke with inexperienced assisted agents ( clear second voice in the background ). I was given unfunded reasons for their resolution like : they could not see the pictures I sent, or could not open the files or attachments (? ) and the letter from XX/XX/XXXX with customer service team conclusion sounds like this : we did not receive the proof or proof you returned the merchandise. 
Between Citi Cards dispute department pretending to protect the consumer, and XXXX XXXX XXXX evidence cheating pattern, the latters confidence and its brazen assurance of win will just perfect charlatanic schemes. Due to the lack of respect and consideration shown I will close all my bank/cards account with Citibank.
Product: Money transfers

On XX/XX/2014 XXXX XXXX was to receive a wire transfer from a XXXX client. 
The wire of {$40000.00} was sent to a scam account that a Wells Fargo employee opened in the name of XXXX XXXX, which we had no knowledge of. 
The client sent us the wire transfer receipt which showed the receiving bank as Wells Fargo, XXXX XXXX Branch We have no knowledge of this account and our account is in XXXX in XXXX. 
We called the Wells Fargo Branch immediately. The funds were still in the account. We told them this is a fraud. They did not help us. The next day a person walked into the XXXX XXXX Wells Fargo branch and withdrew the {$40000.00} and closed the account. 
I am the XXXX of the company. The owner is an XXXX year old man that is ill. This loss was devastating and the company had to close their office and work from a home location. 
We are pleading that you assist us. 
We filed a complint with yur bureau XX/XX/2014. You did not retrieve our money. Now that Wells Fargo is in the news with exactly the scam that happened to us we are hoping that you will help us be paid the amount of {$40000.00}.
Product: Debt collection

Creedence Resource Management whomever this may be is blowing up mine and relatives phones  non-stop up to 6 times daily after previous cease and desist request made and acknowledged by this company. Using multiple fake or spoofed phone numbers one being XXXX with no messages left.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mis-handled my data, leading to my private information ( SSN, DOB, address ) being exposed and leading to a life-long identify theft threat.
Product: Credit card or prepaid card

In XXXX I received a notice informing me of a possible error concerning my enrollment in an " optional debt protection program offered by Department Stores Nation Bank '' concerning my account ending in XXXX along with reference number XXXX I DO NOT HAVE ANY CREDIT CARDS OPEN AT THIS TIME I called citi bank. The representative checked my name and social & informed me there were no citi bank cards open under that name & ID number. A flag was placed on my name with citi bank. She then informed me that Department Stores National Bank could be ANY VARIETY OF STORE CREDIT CARDS. 

The only help she could offer was for me to individually call all the possible stores & file complaints. There is not even a list of what possible store cards this could be. 

I DID NOT OPEN ANY CARD. PLEASE CLOSE THIS ACCOUNT AND FLAG MY CREDIT WITH A FREEZE. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated a purchase of XXXX BTC ( value of {$5000.00} at that time ). Coinbase 's app showed that everything was fine and the transaction went through. On XX/XX/XXXX, I tried to sign into my account, and my ability to do anything was locked, and all of my holdings were gone ( not just the XXXX ). There was never an email notification of a problem, no app notification and nothing on the website, it just said to contact support. 

I reached out to support on XX/XX/XXXX, and they then told me that the bank transaction failed. I was never given the opportunity to rectify the situation before they reversed the transaction AND took the rest of the funds in my account. 

Coinbase is claiming their TOS allows them to use the USD amount to recoup the funds, not the BTC amount. So, while I had a transaction for XXXX BTC on XX/XX/XXXX worth {$5000.00}, when they decided to reverse it, the USD value dropped. So they reversed the XXXX transaction ( making them whole, getting their entire amount of BTC back ) but also took the following holdings : XX/XX/XXXX purchase of XXXX BTC was taken by coinbase XX/XX/XXXX purchase of XXXX ETH was taken by coinbase XX/XX/XXXX purchase of XXXX BTC was taken by coinbase So, I was never warned that there was an issue, they never informed me the transaction failed, they just locked my account and took all my holdings. I have been begging them for help for 8 months now, but they refuse to do anything other than send a link to their TOS. 

Using the current value of ETH and BTC, the USD amount that they recouped over those 4 transactions is {$5900.00}. Their website says I still owe {$290.00}. In other words, they reversed the XXXX BTC transaction associated with the {$5000.00} failed transfer. they reversed the three other unassociated transactions as well, so with all that, they MADE {$670.00}, and are asking me to pay another {$290.00}. 

Coinbase never warned me of an account issue. Coinbase failed to give me any other options. Coinbase will be MAKING {$960.00} on one failed transaction ( not including their transaction fees! ). They refuse to help me. I have begged them. They never gave me a chance to rectify the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX XXXX XXXX Account number 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 To Whom May Concern, Im writing in regard to XXXX of my credit cards with Capital One. The Spark Business credit card accounts ending in # XXXX and Captial One Quick Silver ending in # XXXX. I recently pulled my credit report & it shows that these cards are not being reported to the following Credit Bureaus XXXX and XXXX. I spoke with both XXXX and XXXX to confirm, I was told that the accounts are not being report to them and to call Capital one to speak with them. Also, that they're the ones who have to send documents in order for the credit card to start reporting. XX/XX/XXXX is when I initially reported the problem, I was sent a letter on XX/XX/XXXX and XXXX. Theyre XXXX different departments. The letter stating that the Spark Business Card is being reported, the other letters for the Quick silver stated they wanted me to send more information proving that its not being reported. I sent Capital One a full credit report providing them with highlight details showing nether one of the credit cards on the credit reports. I also have another XXXX credit card with Capital One a XXXX account I provided as well showing that account is being report, just to prove that the other XXXX are not. So I received another letter on XX/XX/XXXX. Both letters stated the credit cards are being reported. I'm not sure where the confusion is coming from whether its Capital one not reporting or it's XXXX or XXXX, I have no clue what else to do. As I was not aware of this matter until recently getting my credit repaired. I have a account with XXXX thats monitoring my credit & pulled my report from there website as well & neither one of those credit cards are showing. I have had these cards for some time now & this comes as a shock that making on time payments are not being accounted for toward my actual credit score. I hope this issue can be resolved quickly. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Fifth Third Bank, N - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX A mortgage company, I cant see the name. XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in USA two times as XXXX XXXX  ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to Experian/XXXX/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.
Product: Credit card or prepaid card

In XXXX, we closed an old VISA credit card account with Capital One Financial Corp. in XXXX, VA. 

On XX/XX/XXXX, Capital One accepted a charge from XXXX XXXX on the CLOSED VISA account for {$29.00}, by transferring it to our new VISA account number. This is illegal and fraudulent misrepresentation and consumer abuse by Capital One. In fact, by accepting XXXX XXXX charge to a CLOSED VISA account, then they never closed the old VISA and thus denied us the ability to use the old VISA number. In effect, we were forced to have two VISA accounts, old and new, even though we explicitly closed the old one with them. 

As for XXXX XXXX, we closed the account with XXXX by not providing them with the new VISA account number. Why is explained below. Instead, XXXX auto charged the old VISA number, yet that old VISA was de-listed in my XXXX account information because it was closed with Capital One. Now, why didnt we list the new VISA number with our XXXX account? Because we wanted to close their account, too. But XXXX does not provide any online form or phone number of communication to end their services -- despite claiming to do so -- and their offices are located in XXXX, XXXX, with no phone number listed! This can all be documented. They also are committing consumer fraud, but that is a separate matter I will file with federal authorities. 

As a result of all this, we filed a dispute with Capital One for the charge and they credited the amount temporarily. 

But on XX/XX/XXXX, Capital One re-charged the amount from XXXX for {$29.00}, desiring documentation to support our dispute. We will provide that documentation, but regardless and more importantly, we shouldn't have to do so. Why? Because Capital One committed fraud in not closing our old VISA account and accepting new charges to it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Subject : CFPB Complaint for Identity Theft and Fraud This complaint is filed with the Consumer Financial Protection Bureau XXXX CFPB ) to request that XXXX XXXX XXXX, and Equifax block certain information from my consumer credit report, as mandated by FCRA 605B ( 15 U.S.C . 1681c-2 ). This information is the result of identity theft and fraud and must be addressed within XXXX business days of receipt of this complaint. 

The fraudulent information includes : A personal credit card account opened with XXXX XXXX XXXX in XX/XX/XXXX ( Account Number : XXXX ) with a balance of {$2500.00}. 
A credit card account opened with XXXX XXXX on XX/XX/XXXX ( Account XXXX : XXXX ) with a balance of {$6700.00}. 
These accounts have led to multiple fraudulent hard inquiries and late payments, as well as potential collections reported on my consumer FICO credit report. Additionally, the address XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXs also reported fraudulently. 

I have attached a list of the hard inquiries in question and a copy of my consumer FICO credit report, which clearly shows these fraudulent items. I do not recognize any of these accounts, collections, or hard inquiries, as they were not initiated by me. All items referenced are the result of identity theft and fraud. For further validation, I have included a copy of FTC Identity Theft Criminal Complaint # XXXX from the U.S. Federal Trade Commission. 

Demand for Relief : In light of the above, I respectfully request the following actions : Block Fraudulent Accounts : I request that all accounts, collections, and hard inquiries identified in this complaint be blocked from my consumer credit report within XXXX business days of receipt. 
Confirmation of Actions : Please send all written confirmation regarding the actions taken in response to this complaint to my email : XXXX. 
Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Product: Vehicle loan or lease

good afternoon credit acceptance violated the payment arrangements that i made with them because of a XXXX use car i signed for but have spent just as much repairing this piece of garbage and have continue to pay XXXX car payment each month so this last repair XXXX suspension problem and credit acceptance sent me the agreement in XXXX to pay XXXX XXXX payment XXXX XX/XX/XXXX so why they didn't have the business decency to tell XXXX the truth I don't appreciate my credit score going down for a lie please investigate this situate.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquiries on my credit report that I would like removed, according to the FCRA XXXX XXXX XXXX these unverified and unauthorized items must be removed. 
I filed a complaint with the FTC reference number XXXX Inquiries include XXXXXXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX taken in my name around XXXX XXXX  by fraudulant methods. At the same time our credit card was hacked but stopped. The loan was for the amt of {$20000.00} which I had no idea it had happened until a bill showed up in the mail. XXXX reports were filed with the local sheriffs dept as well as the sheriffs dept in XXXX XXXX XXXX 
Fraud alerts and reports were applied for at XXXX, Identity theft.gov as well as with all XXXX, XXXX XXXX XXXX, XXXX and XXXX. I later realized I was part of the XXXX XXXX XXXX in XXXX. I have filed a complaint as well. 
I have been trying to work with Upgrade to remove this loan but until now to no avail.

Then Upgrade sold this fraud loan to a collection agency XXXX XXXX XXXX without any resolution, and I am still providing information to Upgrade. 
Please help