23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/XXXX, I tried to start an online business after I saw an ad to open an online store, I was encouraged by the ad thinking it would be a good way to pay off some debt and I decided to check it out since I am no longer able to hold down a job due to XXXX problems. 
One the companies was XXXX XXXX, they contacted me and made it seem so easy, even though I told them I didnt have any money or 401k, they asked me if I had a good credit rating and they talked me into getting more credit cards to pay for their services. 
I paid them {$9800.00} with my bank of America card on XX/XX/XXXX and XX/XX/XXXX I paid several companies to start up this online business and it all ended up being internet business opportunity frauds. When I realized what was happening, I tried disputing the charges with the merchant several times, but they have ignored my requests. I AM FILING THIS COMPLAINT BECAUSE I PAID FOR SERVICES THAT WHERE NEVER PROVIDED TO ME AS EXPECTED AND DESCRIBED. 
Please investigate this matter, it was suggested to me that if I file complaints with my government agencies for help in this matter. These companies have many complaints against them and its obvious by the list of charges that I was defrauded, I really need your help in getting my money back.
Product: Mortgage

Why did NewRez LLC Shellpoint  transfer a loan into my name on XX/XX/XXXX when I was not the owner of the real estate? 
Details as follows : On XX/XX/XXXX, NewRez LLC dba Shellpoint  transferred their loan # XXXX, in the amount of {$380000.00} for real estate at XXXX XXXX XXXX XXXX, XXXX, CA, into my name when I was not the owner of the real estate nor was I the mortgage holder. My ownership of this real estate ended on XX/XX/XXXX and the XXXX loan # XXXX for {$380000.00} for the same real estate was satisfied in full to a XXXX   balance under my name on XX/XX/XXXX. ( See the 1099 for XXXX that XXXX sent as legal documentation. ) Why did NewRez LLC Shellpoint  transfer a loan into my name on XX/XX/XXXX when I was not the owner of the real estate, and my loan for the same amount for the same real estate was satisfied in full XX/XX/XXXX.
Product: Debt collection

On XX/XX/XXXX, received harassing and threatening voice-mails from the number XXXX implying legal action, what is being alleged, clearing my name and protecting my interests by a man calling himself Mr. XXXX. Company name was not identified. 
Claim was that there failed attempts to reach me. To my knowledge, no attempts have been made. 

XX/XX/XXXX a friend/caregiver was helping to assist me at home with my mother who has XXXX. I was cleaning up a XXXX blowup and she was getting cleaning supplies. She answered this call from what we think was again Mr. XXXX who asked for me and became aggressive and threatening when she stated I was unavailable and she was unable to take a message for me. She had to hang up on him. The company was described to this third party as AA she thinks. We were wrist deep in a blowout so she isn't sure. She told him she was a caregiver and he continued until she hung up. 

XX/XX/XXXX received yet another threatening voice-mail from Mr. XXXX again implying legal action if I do not respond by the end of business day today and contacting my employer if I do not call him back at XXXX I have not called either of these numbers as the messages as well as his interaction with the other caregiver was hostile and threatening.
Product: Checking or savings account

An unauthorized transaction {$750.00} was taken out of my chime account for a company called XXXX XXXX. I have no association with that company at all and have never made any purchases that involved them in the past. I saw that it is a company based in XXXX. I live in the state of XXXX. My card is always on me and nobody else has access to it. I filed a dispute with Chime only to get an email hours later saying that there was no error in their investigation of the unauthorized transaction.
Product: Credit reporting or other personal consumer reports

Formal Demand to Validate Unauthorized Credit Inquiry I am writing to address a credit inquiry from your company dated XX/XX/year> on my credit report. I do not recognize this inquiry, nor have I authorized Santander to access my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681b, you are required to have permissible purpose before obtaining my consumer credit report. Which I did NOT provide.

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to provide proof that you had a permissible purpose to obtain my credit information. I demand that you provide the following documentation immediately : 1. Proof of my explicit authorization for this inquiry, including any signed agreements or consent forms bearing the Santander name.

2. A detailed explanation of the purpose of the inquiry and the basis on which it was made to Santander.

3. The name and contact information of the individual or department within Santander responsible for initiating this inquiry.

If you can not provide the requested documentation proving that this inquiry was legally authorized, you must take immediate steps to : Remove the inquiry from my credit file.

Notify all credit reporting agencies of the correction.

Confirm in writing that these actions have been completed.

Failing to respond to this request or refusing to provide proper validation will result in formal complaint being filed to the State Attorney Generals office and the Federal Trade Commission ( FTC ), and potentially pursue legal action for violations of my consumer rights. This unauthorized inquiry has damaged my creditworthiness and constitutes a serious breach of federal law. I expect your response within 15 calendar days of receipt of this letter. Ignoring this matter will only escalate the issue further. Consider this my final attempt to resolve this issue directly with your company before taking legal and regulatory action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiry deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020 Please remove it from my credit report. 
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2020
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report and discovered an unfamiliar account from Online Information Services Account Number XXXX. As per the FCRA and FDCPA I exercised my right to dispute the unverified account. I sent my first notice titled debt validation request 1 on XX/XX/XXXX via certified mail and return receipt. Debt Validation request was very specific on documents needed to accurately validate the debt. Documents attached shows in full detail of what was requested and proof of delivery confirmed with a wet ink signature on XXXX XXXX. Said company either didn't respond or responded partially with documents that appears to be MADE UP, UNAUTHENTICATED and UNVERIFIABLE. I followed up with a Notice of Opportunity to Cure sent XX/XX/XXXX via certified mail and return receipt, notice was delivered and received with wet ink signature on XX/XX/XXXX attached with the Opportunity to Cure, was another copy of Debt Validation Request just incase the first request was misplaced and ensuring that Online Information Services made a full response by sworn affidavit as requested in Debt Validation Request. ( documents attached ) As it had now been 30 days and no full validation of debt, by sworn affidavit providing point by point response was received, I sent a Notice of Default and Final statement along with additional copies of Debt Validation Request and Opportunity to Cure via certified mail and return receipt on XX/XX/XXXX. Documents were delivered and received by wet ink signature on XX/XX/XXXX .All documents sent and mailing receipts are attached. Company has failed to validate debt within the 30 day period and continues to report disputed debt with credit bureaus.A FTC Identity Theft Affidavit has been submitted and is attached. Company has demonstrated several violations as per the FCRA and FDCPA. I am asking for immediate attention regarding this matter as the unverified debt is a result of fraud that has caused serious harm to myself and has affected potential credit opportunities. XXXX XXXX " If your brother sins against you, go and tell him his fault, between you and him alone. '' XXXX " If he does not listen, take XXXX or XXXX others along. '' XXXX " If he refuses to listen to them, tell it to the church. '' I pray everything is done in good faith. Failure to settle this matter I will be forced to file suit and seek remedy in a court of law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from inquiries that I believe to be incorrect on my credit report from CAPITAL ONE AUTO FIN/CAP ONE NA and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, 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 :
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express has not provided me the card which they directly solicited to me. They reviewed my credit but never responded. 

Why? 

Please see previous complaint XXXX
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also previously stated " According to the IRS, an unpaid charge off is income. According FCRA, income can not be reported on a credit report. I have received a 1099-C for the accounts listed here : XXXX XXXX XXXX XXXX XXXX After checking a copy of my most recent report, it appears these accounts are still being reported. These accounts can not be reported on my credit report ( according to law ). '' Which was given the response that the creditor had verified the debt, yet there was no legal debt verification provided as applicable. It is not up to the creditor to determine the verification of said debt and they have provided any documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act accounts XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX 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 a account without my written instructions.
Product: Checking or savings account

This complaint is about JP Morgan Chase Bank, N.A.

Chase allowed a {$30000.00} wire to be sent out of my account after they were notified of Fraud a minimum of 5 time. They stopped the same wire previously and then the person doing the fraud called in pretending to be me said it was ok to send the same wire. After Chase was notified this wire was fraudulent and they stopped it they reauthorized the wire over the phone without asking for the person on the phone to come into a branch with ID or signatures of any kind. 

This wire was sent on XX/XX/XXXX and I have been trying to work with Chase Fraud since XX/XX/XXXX. I was told that they would send me an affidavit to complete which took 8 days to receive because they would not email it to me. I completed the affidavit on XX/XX/XXXX and mailed it back on XX/XX/XXXX, it was received by Chase on XX/XX/XXXX USPS Tracking # XXXX. This package was mailed because they said I could not fax it in. On XX/XX/XXXX I called Chase for an update and they said they never received the package and said I could resend it or Fax it which they said I could not fax during their initial request. I faxed and mailed on XX/XX/XXXX and have a fax confirmation and certified mail receipt that they received and signed for the package on XX/XX/XXXX. USPS Tracking # XXXX. On XX/XX/XXXX I spoke with Chase Fruad they said they did not receive the package until XX/XX/XXXX which was a lie because they received it on XXXX by fax, and XX/XX/XXXX by mail again. she said they would review and get back to me. On XX/XX/XXXX I called Chase again and I was told that they haven't responded to my complaint because they were waiting on me to send a police report. I was never told that I needed a police report ever, not during any of my previous contacts with any Chase representatives ever. I asked if I needed to file a police report at my initial calls with Chase on XX/XX/XXXX and was specifically told that I did not need to file a police report only the Affidavit they were sending me to complete. On XX/XX/XXXX I went into the XXXX Police station and filed an online report, on XX/XX/XXXX a XXXX Police Officer came to my office to take another report due to the amount of the fraud and I filed a report with the FBI online on XX/XX/XXXX. 

Chase has been giving me the run around since XX/XX/XXXX, The were notified of the fraud a minimum of 5 times, stopping the wire that they resent without requiring any proof of ID or signatures. They changed my account numbers and did not put any fraud warnings on the new account which the money was sent from. They have failed to call me or send me any notifications of any updates on what is going on. I have had to call and follow up EVERY TIME. Chase has not returned the {$30000.00} that they sent out of my account knowing that it was Fraud and they failed to follow any type of fraud protocols to protect my money. It is unbelievable the lack of responsibility Chase has taken in what they have done. I have been trying to work with them for 3 months and gotten nowhere. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account # XXXX is inaccurately on my personal XXXX credit bureaus, This is a business Credit Card account and needs to be deleted my personal credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is fraudulently and knowingly sending false information to Equifax, I have called them numerous times and they acknowledge it is not me but say there is nothing they can do to correct there error because there is someone in a different state with a different date of birth different Social Security number who owes them money. I have pleaded with them to go after the person who owes them money and leave me alone but they refuse. 

XXXX XXXX has also been dishonest and try to say that perhaps i have a relative with a similar name, this is not true. 

This is one of three collection agencies who have this problem with my stolen information. The other 2 were very quick to realize there error and immediately correct it, write me a letter as well as do a XXXX  XXXX   not to remove the false information from my record. You continue to refuse. Please please do the right thing and correct what you know is wrong and do a XXXX  to remove it. Thank you in advance XXXX
Product: Debt collection

My underage son was reported to the Credit Collection Services by XXXX XXXX XXXX for the Covid19 testing performed by the school. The laboratory is in my insurance network and was fully paid with zero patient responsibility. I can provide all paperwork that I owe {$0.00}. The collection agency sent a bill to my XXXX XXXX XXXX son to collect the difference between what the lab charged the insurance company and what the insurance paid under the contract. XXXX and the lab confirmed that responsibility is zero dollars, but the lab still sent the balance to the collectors, which is against their own contract with the insurance.
Product: Debt collection

XXXX XXXX 2015, WEDNESDAY XXXX TRANSCRIPOT OF CALL FROM NRS `` THIS MESSAGE IS A CONFIDENTIAL MESSAGE CONCERNING XXXX XXXX XXXX XXXX. 
XXXX XXXX CONTACT THE OFFICES OF NRS GROUP CURRENTLY WE HAVE DOCUMENTS THAT HAVE BEEN FORWARDED TO OUR OFFICE ATTACHED TO YOUR FULL NAME AND SOCIAL SECURITY NUMBER. XXXX XXXX THEY 'RE NAMING YOU AS A RESPONDANT CASE FILE NUMBER IS XXXX. 
OUR FIRM IS PRIVY TO TALK TO YOURSELF OR ANY LEGAL REPRESENTATION CONCERNING THIS MATTER BEFORE THE CLOSE OF BUSINESS XXXX XXXX THIS XXXX. CONTACT OUR OFFICE AT XXXX. 
OUR FIRM 'S BEEN RETAINED TO CONDUCT AN ASSET SEARCH. WE WILL BE VERIFYING WAGES, INCOME, EMPLOYMENT AND PROPERTY. 
WE 'D LIKE TO AFFORD YOU THE OPPORTUNITY TO CONTACT THIS OFFICE SO THAT YOU CAN DISCUSS VOLUNTARY RESOLVE. IN DOING SO WE NEED TO SPEAK WITH EITHER YOURSELF OR YOUR ATTORNEY NO LATER THAN XXXX PMXXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit report act XXXX  account XXXX has violation my right 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 a section 2 it's also states a consumer report agency can't furnish an account without my written instructions 15 usc 1666B : A credit may not treata payment on a credit card account under an open end consumer credit plan alate for purpose
Product: Debt collection

On XX/XX/ I asked the company to send me proof of the wet signature for the alleged contract for the creditor. On XXXX  they sent nothing more than a billing statement from the original creditor. This is violation of my privacy and consumer rights 15 US Code 1681s-2 responsibilities of furnishers of information to consumer reporting agencies. This information is inaccurate and has caused pain and suffering as well as time wasted. The IRS clearly defines a charge off as gross or ordinary income. Income does not get reported on the consumer report which in fact makes your reporting of this account inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX V Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # listed below, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to provacy. 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. I have the following accounts reporting inaccuracies : 1. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. 

Hard Inquires 1. XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX  XXXX Inquired on XX/XX/2022 XXXX. XXXX XXXX Inquired XXXX XX/XX/2022
Product: Debt collection

Credit grantor is refusing to properly validate debt as it on my credit reports with a different account number with each bureau. Amount owed as stated on my report is {$760.00} and i have been disputing this with the 3 major bureaus for over 3 months to get a proper resolution.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

I've attempted to report a wireless account under XXXX XXXX XXXX as fraud. Several phones were ordered and corresponding phone lines were opened under my XXXX XXXX XXXX  account. These phone lines were later canceled and supposedly paid off. However, the payment made was reversed as the individual that made the payment utilized fraudulent cards and card information. Unfortunately, I naively trusted the sophisticated scammer that made the purchase as this individual assured me that they would cancel the lines and pay for each. I do not have access to any of the phones ordered nor have I heard from this individual since. Furthermore, the current amount owed is {$6200.00}. I've completed a fraud form, and the fraud team has dismissed this incident with no resolution, I have been transferred from department to department, representatives are seemingly incompetent, and I have not been able to contact the fraud department by phone due to the high call volume. Lastly, I am out of the country at this moment which makes communication more difficult. This balance has been recently sent to collections and XXXX refuses to acknowledge it as fraud merely suggesting that I handle this civically. This person also defrauded XXXX under my name.
Product: Credit card

Kolhs Opened a credit card account with my name and using my social security and but I never requested or applied for such account. I called their customer services department and told them the situation and asked them to close the account and they refused to closed it.