23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : 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 a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), XXXX  XXXX on XX/XX/XXXX under the account number ( XXXX ) XXXX  XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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: Credit card or prepaid card

I opened an XXXX XXXX account on XXXX XX/XX/XXXX. A promotional offer was advertised : {$100.00} would be credited 30 days after receiving a direct deposit of over {$500.00} within 60 days of account activation. I received a payroll deposit from my employer on XXXX which fulfilled the terms of the promotion. 

{$100.00} was not credited after 30 days so I sent a secure message inquiring about the promo status. On XX/XX/XXXX, two representatives replied that the terms of the offer were different from the advertisement : " Please be advised that customers who acquire an ACE Flare account at participating stores and enroll in direct deposit within 60 days of the account creation date and receive a qualifying direct deposit of at least {$500.00} for the next three months can receive a {$50.00} or {$100.00} credit in account, to be paid out within 30 business days of the last qualifying direct deposit. '' and " Please be informed that the promotion is if Cardhholder will receive a minimum qualifying direct deposit of at least {$250.00} for the next four consecutive months can receive a {$25.00} credit per month for 4 consecutive months to their account, for a total of up to {$100.00}, to be paid out within 10 business days of each qualifying direct deposit. '' These are not the terms of the advertised offer. I replied stating that I would file a complaint if the offer was not honored and was escalated to a senior representative at XXXX who upheld previous statements. 

The web page for the original offer has been removed : https : XXXX The page contents were preserved by Archive.org and can be seen here : https : XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all 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 my 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 those account 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  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: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

The company is Coinbase Global , Inc. ( COIN ) There was no validation done by Coinbase Global , Inc. ( COIN ) on the Bitcoin and Ethereum wallet address registered by the Scammer company. 
The Scammer company Ethereum wallet address is : XXXX The Scammer company Bitcoin wallet address is : XXXX I had transferred to these wallets in total {$29000.00} and lost all the money. 

Coinbase Global , Inc. ( COIN ) XXXX XXXX XXXX XXXX XXXX, DE XXXX United States XXXX XXXX XXXX www.coinbase.com Sector ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Full Time Employees : XXXX I have filed complaint with XXXX Police, XXXX, XXXX. Attached are the documents and also the chats with two scammers XXXX and XXXX XXXXXXXX. 

The scammer company address is : XXXX Two people XXXX at cell no : XXXX and XXXX XXXXe at cell no : XXXX told to invest in XXXX  The gave false information that company gives good profits and I started putting money using Crpto like Ethereum and Bitcoin. 
After 2 weeks of investment I tried to withdraw some profits and found that they are asking Monthly maintenance fee. I have paid {$13000.00} on Saturday XX/XX/year>, still there is no receipt from XXXX They have placed Pending status request on my WITHDRAWL request. 

Till now I have deposited {$100000.00} with the company and lost all the money. 
Below is there contact information. 

Phone Number XXXX XXXX Email Address XXXX Office Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Continental Finance has an inquiry on my report that I did not authorize on XX/XX/2021.
Product: Debt collection

I paid this collection account with CREDIT COLLECTION foXXXX XXXX  on XXXX and they have not update it to a {$0.00} or removed it from my credit report. When I spoke to them they said they would remove it from my report. I recently pulled my credit report and it is still showing on there. I spoke to an attorney about this and this is a huge FCRA violation. For one they never updated it to my credit report. it is still reflection the balance I owed.
Product: Debt collection

In 2014, I returned the equipment from XXXX XXXX XXXX using the pre-paid label through XXXX. I took the package to the XXXX store and drop it off. The representative at the store said I was all set and I left the building. I thought the matter was resolved after that. I have made multiple calls to XXXX XXXX XXXX at the beginning when they continued sending the bill for a balance I did not owe because of equipment. I told them that the equipment had been drop at the XXXX store. Then the account was sent to IC System collections, where I have spoke to different representatives and filed disputes.
Product: Vehicle loan or lease

Ford Motor credit reported that I was 30 to 59 days late ( in XXXX of XXXX ) with payment of a new vehicle lease opened on XX/XX/XXXX, XXXX. 
Ford Motor Credit failed to send me an Invoice statement for the months of XXXX & XX/XX/XXXX. ( I did not think it was unusual to not receive the invoices as, the last 2 leases I had with them were opened on XX/XX/XXXX and were invoiced until XX/XX/XXXX ). 
When Ford Motor Credit finally did contact me ( on XX/XX/XXXX XXXX, I made both XXXX and XX/XX/XXXX payment that day. 
Additionally, Ford Motor Credit has reported that I would not give my address and has reported a false phone for me.
Product: Credit reporting

I sent a dispute on XXXX XXXX. On XXXX XXXX ( 36 days later ) I received an investigation letter showing the info disputed was updated. The information was still inaccurate. On XXXX XXXX I sent a letter telling them it was inaccurate and for them to please remove the disputed accounts for non-compliance. 

I have detailed records of all my letters along with certified postage and return receipts.
Product: Credit card

In XXXX, my identity was stolen. My drivers license and SSN were used online to open loans at various credit unions, which resulted in the opening of fraudulent accounts and hard inquiries on my credit history. These fraudulent activities occurred at various unions around XXXX of XXXX. When it came to my attention via XXXX credit monitoring, I created reports with XXXX, XXXX, and XXXX to dispute the accounts. The main credit unions involved, XXXX XXXX XXXX ( XXXX, CA ) and XXXX XXXX XXXX XXXX North Carolina ) have conducted investigations and have concluded that these accounts were fraudulent. Furthermore, these unions have notified the three major credit bureaus to remove the accounts and inquiries from my history. At time of writing, my XXXX and XXXX scores have returned to XXXX, and XXXX is still working on removing XXXX of the fraud accounts as a closed account. 

Due to the damage caused on my credit reports, Citi lowered my credit limits on two credit cards to {$4000.00}. Unfortunately, this at that time lowered credit limit and also increased my utilization, further lowering my credit. Citis decision to lower my limits was made on XX/XX/XXXX. 

My original line of credit was {$16000.00}, and was lowered to {$4000.00} in XX/XX/XXXX. In XX/XX/XXXX, I had resolved most of the fraudulent disputes but the bureaus where still processing my disputes. At that time, Citi advised me to request a credit line increase, whereas I was requesting my line be restored to what it initially was. They got an instant denial on my line increase, citing numerous delinquencies from the fraudulent accounts. They then told me to wait until XX/XX/XXXX to try again. 

I kept working with Citi and sending in reports from the fraud investigations, and on XX/XX/XXXX, an account XXXX submitted a Credit Bureau Dispute form. I never received any communication with results or follow up. 

On XX/XX/XXXX, I followed up again. They again told me all I can do it submit a credit line increase. This did increase my line by {$4000.00} however that is still half of what my line was in XXXX. Furthermore, the only option they present me with at this time is to do an XXXX XXXX Line Increase which will pull a hard inquiry on my history and has no guarantee of a fair outcome. I should not have to place a hard inquiry on my history which I have worked very hard over the past two years to restore to an Excellent score. I have expressed my grievances with Citi and filed a complaint with them. As a customer they have reduced my credit line as a result of a crime committed against me and have made the recovery process incredibly frustrating when no wrongdoing was done on my part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX [ XXXX, Tx XXXX XXXX XXXX XXXX Experian Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information Under the Fair Credit Reporting Act Dear Experian, I am writing to formally dispute multiple accounts listed in my credit report that I believe violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ). The accounts below have compromised my rights to privacy and confidentiality as established under 15 U.S.C. 1681 : XXXX. XXXX, XXXX : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the FCRA : 15 U.S.C. 1681 Section 602 ( A ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ) specifies that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information that predates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish information relating to a consumer to any reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

These provisions indicate that the accounts listed above may have been reported without proper verification or in violation of the time limitations set forth by the FCRA.

I request a thorough investigation into these matters and ask that you provide me with the results within 30 days, as required by law. If any inaccuracies are confirmed, please ensure that they are corrected or removed from my credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, an unknown party attempted to deposit a fraudulent check into my companies business checking account with Wells Fargo Bank. The unauthorized transaction was {$78000.00}. Upon being contacted by Wells Fargo Fraud Department, I made two trips to the bank and spoke with XXXX, Alaska branch manager XXXX XXXX. 

We provided documented proof by emails, that neither myself nor any authorized representative was asked to deposit this check. 

Wells Fargo did not attempt to research this issue, they also refused to disclose who deposited the check, and where it was done. 

Instead of research the issue, Wells Fargo closed our business account for " business reasons '' causing financial damage to our company. 

I also filed a fraud report with the FTC, FTC report number XXXX.
Product: Prepaid card

Im a victim of identity theft and I have been going back and forth with this company to resolve my claims, I have provided them with police report and identity theft report and other items that prove my roommate did these transactions.
Product: Debt collection

I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from Source Receivables Management which is a violation of FDCPA. Source Receivables Management has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Source Receivables Management, nor any party that Source Receivables Management claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Source Receivables Management remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an inaccurate reporting of the " Date Last Active '' on one of my accounts. There is a discrepancy between the information reported by TransUnion and XXXX on my credit reports, which violates the Fair Credit Reporting Act ( FCRA ) under Section 609 and Section 611, which guarantee accurate and consistent reporting. 

The specific error is as follows : TransUnion Report : XXXX XXXX Account number XXXX Last active : XX/XX/XXXXXXXX  XXXX Report : XXXX XXXX Account number : XXXX Last active : XX/XX/XXXX This inconsistency indicates either a data furnishing error by the creditor or a failure by the credit reporting agencies to ensure data integrity. As this error is materially misleading, it directly impacts my creditworthiness.
Product: Credit reporting or other personal consumer reports

I've complained about being a victim of identity theft. You must remove any items that were opened without my knowledge, consent, or authority within XXXX XXXX XXXX with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Debt collection

To whom it may concern I am communicating with you due to a debt that you are trying to collect and whose debt is not mine I was a victim of identity theft and I do not recognize that account as mine I have not asked or authorized to open that account in my name. 
XXXX XXXX XXXX XXXX {$3100.00}
Product: Credit card

Ally bank has been working on this for over a 1 year 3 months still have not received my replacement credit card!??? WHAT IS THE PROBLEM??
Product: Checking or savings account

overdrafts and overdraft fees when i have funds in my account for a purchase
Product: Credit reporting

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX XXXX XXXX Dear XXXX credit on my XXXX Credit report This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus XXXX, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XX/XX/XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 

Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, Signature XXXX XXXX
Product: Debt collection

Dispute of Debt - Request for Validation ABILITY RECOVERY SERVICES XXXX XXXX XXXX WYOMING, PA XXXX Date : XX/XX/year> Re : Account Number XXXX To Whom It May Concern, I am writing to dispute the validity of the debt listed under the account number referenced above. According to my records, there appears to be inaccurate information regarding this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you validate this debt.

Please provide the following information : Verification that the debt belongs to me, including any signed agreements or contracts. 

A detailed accounting of the alleged debt, including the original balance and any fees or interest added. 

Documentation identifying the original creditor, specifically regarding XXXX XXXX XXXX. 

Proof that your agency is authorized to collect this debt. 

Until this information is provided, I request that you cease all collection activities regarding this account. Additionally, if this debt is not validated, I expect it to be removed from my credit report. 

Please respond in writing to the address provided below : XXXX XXXX XXXX XXXX. Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Sincerely, Signature : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have contacted money lion multiple times explaining to them that there has been an account opened in my name and that someone is using my social security. They keep transferring me to fraud where I sit on the phone for hours and then Im guessing their hours prompt them to close which ends my call and puts me back at square one. Ive contacted my bank about suspicious charges from Money lion services instacash and Ive had those services disputed. There has now been a 1000 dollar loan withdrawal from my XXXX XXXX account from money lion services. This account needs to be shut down immediately and all charges disputed.
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, I inquired about getting a copy of my title after being told I had a rebuilt title after trying to trade in because of recent electrical issues with my vehicle.

I had no idea my car had a rebuilt title, if I had known, Id never refinanced.

So the company One Main Financial provided me with
two copies of two titles one not mentioning my car title being rebuilt and another title saying it is rebuilt?

Because of this I can not sale my car or trade in, my car has major electrical issues which would cost more than I owe.

I was told by a One Main financial employee to apply to refinance and I did so on XX/XX/XXXX, and I was denied and discriminated against due to low income, though my current payment is {$450.00}, and I was told by an employee at One Main Financial, I could refinance and pay lower than that which is the only reason I attempted to refinance.

I would greatly appreciate some type of relief from this situation!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, XXXX ARE REPORTING INACCURATE INFORMATION ON MY CREDIT REPORTS. THERE SHOULD NOT BE ANY DERROGATORY OR DELINQUENT ACCOUNTS ON MY REPORTS AND THE ACCOUNTS IVE UPLOADED DOCUMENTATION OF ARE NOT MINE SO THEY NEED TO BE REMOVED IMMEDIATELY!