23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I RECEIVED ongoing spam phishing emails to my personal XXXX with security details as XXXX  compute XXXX. I have reported FRAUD ACCOUNTS linked to MY XXXX BY unknown entity thru XXXX.. FAKING AS MY XXXX ACCOUNTS ... to both the cfpb and the FTC. 
THIS PHISHING SPAM EMAIL SECURITY DETAILS attached XXXX  SENT BY TV TO MY XXXX @ XXXX FALSE advertising and phishing attempts and linked to as per attached spam email info states shadow box company out of state of Utah And 30 minutes from me in XXXX va companies stating as XXXX XXXX XXXX class mail XXXX XXXX and XXXX all represented as different entities leasing office space OF VIRTUAL ADDRESSES ... ..FRAUD!!! AND LINKED THEMSELVES TO RENTiNG WELLS FARGO BANK  BUILDING XXXX VA AT : STATED ON THE ACTUAL ILLEGAL PHISHING SPAM EMAIL SENT TO MY PERSONAL.GMAIL ... 
XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX ILLEGAL PHISHISHING SCAMMER SPAM ON XX/XX/XXXX CLAIMS TO BE XXXX  REPRESENTED AND RENTING WELLS FARGO BANK BUILDING IN DOWNTOWN XXXX VA FOR ONLY {$150.00} PER MONTH. I LIVE 40 MINUTES FROM XXXX VA. 
XXXX XXXX OF XXXX VA IS STATED AS ONLINE REPRESENTATIVES AS THEMSELVES AS AGENTS FOR WELLS FARGO BANK BLDG AT {$26.00} SQUARE FEET AT XXXX XXXX XXXX XXXX VA XXXX RENTAL OF OFFICE SPACE NOT {$150.00} SPECIAL THRU EARTH CLASS XXXX XXXX XXXX XXXX. MY IDENTITY THEFT FORMS ALSO WENT TO A FRAUD VIRTUAL ADDRESS OF A WELLS FARGO MANAGED CONDO UNIT THAT WELLS FARGO BANK HAS NOT  YET ADDRESSED AS TO WHY I WAS GIVEN A FRAUD BANK ADDRESS TO SEND MY US IDENTITY INFO TO ... I GUESS ILL SENT THIS TO XXXX  AND SEE IF THEY HAVE A ANSWER FOR VIRTUAL ADDRESSES BEING GIVEN OUT TO PERSONS AS A BUSINESS ADDRESS BUT NOT VALID. 
The XXXX  XXXX XXXX  has had complaints on fast logic and can't get the company to respond. I reported this to the XXXX  XXXX va XX/XX/XXXX DUE TO THE XXXX  VA website states if a person was victim of a puppy buying scam to report it. MY PUPPY SCAM WAS DONE THRU WELLS FARGO BANK TO XXXX XXXX in XXXX XXXX. WELLS FARGO BANK EMPLOYEE NAMED XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX Virginia handled mine at Wachovia bank. She stated the XXXX XXXX  account had not received me wire of {$1500.00} ( XXXX XXXX dollars ) and sent another XXXX XXXX dollars THAT DID NOT NEED TO BE SENT WIRED AGAIN. I WAS OUT XXXX XXXX DOLLARS JUST LIKE THAT!!! Thank you XXXX XXXX that would not call me back to discuss. my identity theft is ongoing ftcXXXX
Product: Credit card or prepaid card

I have made numerous phone calls to way2go starting back in XXXX of his year XXXX. I have money over {$4500.00} sitting in my account that I can not access because of my birthdate not being in the system. I have sent in ID information to verify my identity. Conduent card services in return sent me a letter telling me my information was approved but I can not to this day activate my card and obtain my funds. I have had the phone hung up on me multiple times and I have asked for corporate office information which is never giving to me. multiple agents have been on the phone with me through the activation and there is still an issue. One agent even told me there was no way I could get my money even knowing that there is a problem with the system. I have talked with my unemployment office they tell me the issue is not with them but with way2go and way to go tells me its the unemployment office. All correspondence is attached. However I can not attach the many phone calls because an agent said i could not record the call and hung up on me. But they can record my calls? Hopefully they have every call I made to them recorded. This is unemployment money from XXXX of XXXX that I have yet to access.
Product: Credit card or prepaid card

My Daughter purchased a bed from XXXX sleep with her Chase Credit card. Then due to other Chase 's mess ups and lack of response on other issues related to her credit card she closed her Chase credit card which they finally did. 

In AXX/XX/XXXX, she returned the bed t Nectar sleep who have been trying to help her all along and informed her that she would get a full credit but it had to go back on the credit card. She told XXXX that the card was closed but they informed her they had to send it back to the card it came from. they have provided documentation of the refund which is attached. 

She then contacted Chase to get a refund at which time Chase started telling her the account had be closed and then purged and they could do nothing for her or that they never got the money and finally that they said they couldn't help anymore and not to email back because they would not respond to any more emails. 

We contacted XXXX and they confirmed they sent the refund but didn't get it rejected so it was still with Chase. 

We have attached copies of emails between XXXX and us and some of the emails between us and Chase for your review. 

She is out {$710.00} which she can not afford to lose. 

companies : XXXX - retailer who issued refund. 
Chase Credit card - card company who say they can't help us I am helping my daughter so I added my name as additional card holder because you had no other option below
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a call from my bank on XXXX XXXX XXXX informing me there was a hold on my account. From a debt owed since XXXX. They told me to call Midland credit management and they informed me to call pressler and pressler. I never received a court order or any letters pertaining to this ever. I informed them that this is clearly identity theft and they told me they were going to persue the case. I called theft identity.gov and i am going to my bank to get a copy of the court order then off to fill out a police report. I have good credit. I just purchased a new car and this never came up. My credit score is XXXX. Clearly not someone that does not pay her bills. I am getting the rin around. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Navy Federal credit union that started XX/XX/2015 the account was unsuccessful and the company wrote it off the action taken by navy federal along with the fact that the incident is more than seven years old qualifies the account to be removed from my credit report however during a recent review of my credit report i found that the same information is still there on XXXX, XXXX XXXX and XXXX I am requesting your assistance in getting my credit report updated thereby relieving me of any further damage to my credit history
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH CASH APP AND XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, This is my second time to report all three credit bureau XXXXs .I have disputed these items over many times already and they still remain. so I'm reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I feel like I'm being taken advantage of and being ignored of my disputes.
Product: Debt collection

Debt reported on my credit report XXXX XXXX,2016 for {$2800.00}. I request all records pertaining to actual debt to prove debt belongs to me, including my signature on original account application. Date of first delinquency with original creditor that led to collection. Date they purchased the debt and right to collect. I request debt account removed from my credit report. I have yet to receive any of the above documents and account remains on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under XXXX XXXX XXXX. 
Equifax is governed by XXXX XXXX XXXX. And they violated my rights numerous of times. I demand the accounts listed below to be removed because according to the XXXX XXXX XXXX I have the right to privacy, and I did not give Equifax written permission to furnish these accounts. 


Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX , has violated my rights.

15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

This is a XXXX XXXX loan. According to XXXX XXXX guidelines, a streamlined loan modification is supposed to offered at the 90th day of delinquency. No loan modification was offered and instead foreclosure proceedings have begun
Product: Credit reporting or other personal consumer reports

I was unfairly charged three late fees. 
XX/XX/XXXX, XXXX and XX/XX/XXXX were the billing cycles that I was inaccurately assessed. I was also reported to the credit bureaus that I missed payments or they were late for the same said billing dates.
Product: Money transfer, virtual currency, or money service

It was on XX/XX/XXXX at XXXX XXXX when I lost {$800.00} due to fraud. I had noticed someone selling an XXXX XXXX for {$800.00} on the XXXX XXXX. I asked if it was still available. He then said it was and that the only way to pay him was through XXXX. He asked me that he would meet somewhere after the payment was sent. He then sent me pictures of him leaving his apartment and even recording himself stepping in his vehicle. That assured me that he was a legitimate seller. After the money had been sent, he then sent me screenshots of him accepting the money and even offered to call me. He called me soon afterwards and told me that he was on his way. I waited for him in a College parking lot. Minutes began to pass. I sent him messages if he was going to come. He sent me screenshots that he was minutes away. Then after an hour had passed, I proceeded to call him again but the phone number was unavailable. I then called him with XXXX XXXX  and the last thing he said was " Why did you end the group chat '' before blocking me on XXXX. On XXXX, there are the photos and the video he sent me along with other victims he tried to scam as well. He also sent photos of other XXXX  and XXXX accessories that he was offering to sell as well. I believe those were stolen as well. I tried my best to contact 6+ people and warn them that they are speaking to a scammer. I couldn't find them. After I realized that I was a victim of fraud, I called Bank of America and told them what had happened. They created a claim and gave me a claim number. The female representative assured me that this would be resolved within 10 business days. I reported the seller on XXXX as well. Today is XX/XX/XXXX and have received a letter from Bank of America from the Dispute Resolution Services. They stated " Our records indicate that we initiated the transfer in accordance with your instructions. As a result, your account will not be credited for this claim. '' I feel as if they didn't conduct a thorough investigation and proceeded to not take this claim seriously. I have the seller 's number, name, screenshots/photos, video, and chat log still with me. I believe Bank of America should consider their customers a priority rather than simply giving them the bad news.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove, or even properly investigate, an inquiry on my credit report from XXXX XXXX. Even the company that put it on there has admitted that they incorrectly put it on my credit report.
Product: Debt collection

XXXX XXXX XXXX XXXX has repeatedly placed threatening phone calls to my cell phone and the phone of my XXXX father. These calls do not identify the agency as a debt collector, the message directly state " legal action is being taken against you, papers are being filed in a court of law, if you do not contact us ''. 

I returned a call on XXXX/XXXX/XXXX to see what company was calling leaving messages like this on my father 's phone ( he has XXXX trouble ). I spoke with a representative who had information on an old payday loan account ( over 8 years old ) that was verfied paid before I filed Chapter XXXX in XXXX. 

I asked the representative why they were calling me instead of the lawyer ( he stated I was being sued in XXXX I reside in XXXX ) and he began to become irate. 
I further advised him to contact directly and not my father, which turned into an argument. He stated it was ok, they will pursue. 

This practice of threatening consumers is unacceptable. The company stated they had an affidavit from my bank, but they had outdated contact information. The representative further claimed they sent court papers to an old address and email, but they had a current phone number.
Product: Debt collection

NMRC has used illegal and immoral practices to attempt to collect questionable debt from me. NMRC has called me multiple times, initially threatening legal action and misrepresenting themselves as a law firm handling my debt, also stating false lawsuits filed. There is no physical signature or agreement with the collection company. XXXX XXXX sold this over to them, agreement was not with said company, with no knowledge of the amounts given by this unknown company. Company has harassed family members, myself, and job. It is illegal for them to collect on an increased amount or any amount not owed to them with no physical orginial paperwork or signature. No wet signature was given to NMRC. I ask that they immediately cease all calls and harassment or legal action will be taken. This account should be deleted immediately.
Product: Debt collection

I 'm a victim of Identity theft and I need the documents that were held with TEM Capital in reference to FILE # XXXX. I called several times in the past and got no cooperation at all. Those documents that are on file with TEM Capital is needed for me to fix financial life, and move on. I want everything that TEM CAPITAL HAVE ON RECORD FOR MY CASE FILE. EVERYTHING. I WAS WRONGFULLY ISSUED A JUDGEMENT ON XX/XX/XXXX FOR THE AMOUNT OF + {$27000.00} AND ON XX/XX/XXXX IT WAS DISMISSED DUE TO NEW EVIDENCE. NOW I NEED ALL THOSE DOCUMENTS THAT ARE IN THE COMPUTER SYSTEM. EVERYTHING. I NEED THOSE RECORDS FOR XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX was sent to the wrong recipient In Zelle it had it where I was trying to transfer to my bank and it jumped and put the first name with an XXXX in my contacts to receive the funds. Once I have realized the mistake I contacted that person and was able to be get the funds back. Phase did not give an option to cancel the transaction but told me I had to wait for the person to retrieve the money and see if they can send it back. Which it made it hard to do even me knowing the person she was hard to contact in the morning. But chase bank was literally no assistance in this transaction. It never disclosed is this the right recipient to get the funds either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, This letter is intended to request the XXXX XXXX XXXX to remove a negative mark that was annotated on my credit report. In 2016, my XXXX XXXX car lease ( account # *** ) expired and my account was closed ( return date and last payment : XX/XX/2016 ). Payment was provided to XXXX in person at their dealership at the time of the ownership closeout. XXXX however did not update their records and continued charging a property tax under my name for another full year on a car that I didnt own. XXXX submitted their bill to collections and now my score has lost over 100 points. 
The issue was resolved with XXXX as they received proof from the DMV that showed the XXXX XXXX has not been registered in my possession for over two years. I am attaching the same proof the DMV provided to show the car was not in my possession at the time of the annual property tax requirement. I am asking the credit bureau to remove the negative mark given the circumstances and proof furnished in this letter ( and attachment ). 
Supporting Document Enclosed : - DMV Proof of registration cancellation.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX - I signed a Unsecured Loan Agreement ( Fixed Rate ). The problem I'm having with them is their calculations of the monthly payments. Everything I've tried to use, do not add up. I've contacted them on several occasions, asking them how they arrived and the payment amounts listed as monthly payments on their website. I told them it don't add up - I asked them for an explanation of their calculation. They refused. I filed a complaint with the XXXX. I still can't get a response. I called XXXX XXXX and spoke someone at least twice and told me I have to call them. The second problem is Interest Rate and the APR. The APR is listed as 27.99 % and but in the letter to the XXXX  they listed the APR at 31.02 % and the Interest rate as 27.99 %. They said the loan date is XX/XX/XXXX, but its really XX/XX/XXXX. I filed a complaint with the XXXX on XX/XX/XXXX - the company responded on XX/XX/XXXX. I called to talk to them and I mentioned them responding to a complaint I submitted she said it wasn't true. I gave her the XXXX reference number, information that the company wrote to XXXX. I was for an updated contract, it had been amended. Just the pages they changed or amended. I haven't been successful in getting them to do anything. Contract and letter of response is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to remove fraudulent accounts proven by my statement and an official FTC Identity Report ( XXXX ). Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 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. My identity has been stolen you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

I have sent 2 complaints ( Latest CFPB Complaint XXXX ) and mailed all required documents to block this account from reporting but you XXXX has ignored my request and ONLY updated this account incorrectly. 

XXXX has aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

The Following Account is a result of Identity theft and are is not mine, I demand that they are BLOCKED AND DELETED immediately :. 1. ACCOUNT XXXX  XXXX XXXX **** You are violating my rights and have not followed the FCRA laws which state the following ; Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of You received this request more than 4 business days ago and have failed to remove all of the accounts stated in the official FTC Identity Theft Report. I have sent the following request more than 4 business days and have verified with CFPB that you received these documents.