23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Wells Fargo closed my visa credit card due to suspected fraud without my knowledge no emails or phone calls from them they said they sent me a letter but I did n't get it. Because of this they said my rewards points are forfeited. According to them the only way I can get my points back is to apply for a new credit card. Ive been dealing with them since XXXX 2016 I spoke to different departments, cust service, collection, rewards, fraud dept and branch manager in XXXX XXXX. I do n't want a new credit card from them and check my credit again They should not punish and inconvenience me as their customer because I am the victim of fraud. I have an excellent credit rating and XXXX balance in my card it was paid off XXXX 2016 I found out that it was closed XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraud alert on my credit report with XXXX, XXXX, Equifax the reporting agency suppose to contact me before credit is extended in my name however Im a victim of identity thief and as I was checking my credit report I notice a lot of inquiries that was on all 3 credit agencies without my authorization I feel as if those inquiries should be remove it was done without my consent
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed several fraudulent accounts on my credit profile
per following

experian profile:
DISCOVER BANK
7 POTENTIALLY NEGATIVE MONTHS
Credit usage
47%
Balance
$XXXX  Balance updated
XXXX XXXX XXXX
Credit limit
$XXXX
Account info
Account number
XXXX  
equilfax profile XXXX XXXX
Credit usage
100%
Balance
$XXXX
Balance updated
JXXXX XXXX XXXX
Credit limit
$XXXX
Account info
Account number
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!
Product: Credit reporting or other personal consumer reports

Since XXXX of this year I took a step to dispute all debts that are inaccurately reporting on my files. For the past several months Equifax has refused to send me documentation of their so called investigation regarding " XXXX XXXX '' which is a collection agency claiming that I owe XXXX XXXX ( who is NOT my provider for several years ) each letter I've submitted I would get back a generic letter claiming that it's been verified. Well if that's so then why haven't Equifax submitted via mail the steps used to proof this debt is valid and mine?! Furthermore, I am a victim of their high profiled data breech that they're fully aware of. It is my belief that this XXXX XXXX is definitely not my debt and I wish to have it removed. I will submit copies of certified receipts showing proof that I corresponded to Equifax and to no avail got any assistant. Please assist me in removing this from my profile as it's hindering my credit growth.
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about the ongoing issue of unresolved fraudulent items on my credit report. This marks my second attempt to address and rectify this matter, as the fraudulent items persist on my credit report, causing significant financial harm and emotional distress. 

I would like to provide a brief summary of my previous attempts and the current situation : I first discovered the presence of fraudulent items on my credit report. I immediately initiated disputes with your credit reporting agency, providing detailed evidence to support the claims that these items are fraudulent.

After my initial dispute, I awaited a resolution but received no satisfactory response. Despite the dispute, the fraudulent items continue to negatively impact my credit history, leading to financial difficulties.

Following my previous attempt, I have made an earnest effort to re-dispute and correct these fraudulent items. I have contacted your agency, submitted additional supporting documentation, and communicated with the creditors involved. However, the issue remains unresolved. 

This ongoing situation has caused me significant financial hardship and emotional distress. I have diligently followed all dispute procedures and expected a timely and accurate resolution of my credit history. 

I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report. I urge you to rectify this matter promptly, as it is crucial for my financial well-being and peace of mind. 

I am well aware of my rights under the Fair Credit Reporting Act and other applicable laws, and I am prepared to take further legal action to protect my rights and interests if this issue remains unresolved. I am asking for your immediate assistance to remove the following fraud items in my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX Balance : {$9500.00} Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$9500.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Daily since XXXX  I have asked them to stop calling, they use a 3rd party line. Then leave serval voice messages daily!!!
Product: Student loan

Mohela open two personal loans in my name without my consent the first loan amount is for {$870.00} and the second loan amount was for XXXX and they made it look like a refund from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX was already issue my refund at the beginning of XXXX. This is an XXXX violation. I happen to check my XXXX credit report to see and I found the information. I request was XXXX XXXX XXXX XXXX XXXX XXXX I did not consent to this under no circumstances. I will like all my loans consolidate immediately to XXXX XXXX XXXX  loans.
Product: Credit card or prepaid card

I was a victim of identity theft by my mother who was living with me at the time and struggling with money. She currently does not live with and I have been unable to contact her. The amount of the debt is around {$17000.00}. I have already paced a fraud alert on my credit report and filed a police report and also tried to contact this company but they will not take the debt off my credit report.
Product: Credit card

I got a Goldman Sachs/Apple Card . I had a {$4500.00} max spend limit. I used their 'Monthly Installment ' option and they charged me the full amount which put me over {$4500.00} limit. 1 ) what's the point of 'Monthly Installment ' feature when you are charged the full amount? Perhaps I am mistaken but they should have 'declined ' anything over my max spend limit of {$4500.00}. I do not consent to allow them to go above the agreed upon max. 2 ) look at my XXXX credit score in XXXX during this time- it PLUMMETED. Now I'm spending months trying to fix it. XXXX ) when I tried to correct it, Goldman Sach said to call Apple. Apple said to call Goldman Sachs. GOLDMAN SACHS SAID TO CALL APPLE. APPLE SAID TO CALL GOLDMAN SACHS- this has been my life. And now I don't even use the Apple XXXX XXXX and have been trying to return it since XXXX but XXXX will not accept it.
Product: Credit reporting or other personal consumer reports

I am formally disputing the reporting of child support under account XXXX - XXXX my credit report. Federal court rulings have confirmed that delinquent child support payments, judgments, liens, and fines do not originate from a credit transaction and therefore should not be included in consumer credit reports. Furthermore, your agency no longer reports child support obligations, making this entry both improper and unlawful
Product: Credit reporting, credit repair services, or other personal consumer reports

i have delinquent accounts that do not belong to me. i attached all accounts associated and does not belong to me. 2 collections and 6 late accounts I. don't understand, please help
Product: Checking or savings account

HSBC IS TOO CHEAP TO SEND ME FREE PAPER CHECKS AND IS TOO CHEAP TO PROVIDE TELEPHONE SERVICE. SERVICE IS THIRD WORLD COUNTRY
Product: Checking or savings account

In XX/XX/XXXX I reported to us bank that my wallet and all bank cards was stolen and asked that my account be put on hold. Well I finailly got a chance to go in a branch office in XX/XX/XXXX to take care of everything and I and I ordered new cards well us bank closed all my accounts even after I went in the branch location and the stole all my money in my account and all my refunds from XXXX and this is after I reported to them I had no access to my account at all since XX/XX/XXXX. I am hightly upset that this happened and something needs to be done about it
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Re Midland Credit Management ( " MCM '' ). 

In late XXXX, one of my credit cards owned by XXXX XXXX was stolen and roughly {$350.00} of products were purchased with the card before I found out. I filed a fraud claim with XXXX, which reversed all charges, and also investigated the claim for me. My account with XXXX is current and has been at all times since that event. 

18 months later, MCM began attempting to contact me, first by mail, then via literally 100+ phone calls and voicemails, claiming that I owed XXXX this amount, the amount was not paid, and they now owned the debt and were collecting on it. Having dealt with nefarious collections agencies before, I refused to engage them, knowing that I was and still am under no obligation whatsoever to do so. For more than a month, MCM agents called me 7 days a week, night and day, using scores of phone numbers ( which I used internet searches to trace back to them every time ) to harass me over a non-existent debt that either ( 1 ) they knew was not real, and thus they were fraudulently pursuing me, or ( 2 ) they acted with gross negligence on, not even attempting to confirm whether the debt was real. ( Even if someone fraudulently " sold '' the debt to them, they still clearly made zero effort to confirm its validity or status when they began contacting me in late XXXX. ) One day ago, MCM filed a claim with XXXX, alleging I was delinquent on this account. The claim sent my credit score down almost sixty points. I am in the midst of pursuing investment opportunities that involve possible loans, as well as assisting my elderly mother with her own homebuying activity right now. This false impact to my credit report damages me well, well, well in excess of {$350.00}. ( I have already filed a claim with XXXX. ) MCM is acting fraudulently, or with gross negligence, with respect to the claim for which MCM is wrongly attacking me, and, in doing so, MCM is using what I believe to be illegal, and without question reprehensible, tactics. MCM needs to be stopped and to compensate me for the damages it has caused thus far. 

Upon request I can produce phone logs, mail, credit report details and historical emails regarding this incident and the related fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  account # XXXX and # XXXX, have 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 reports a consumer reporting agency can not furnish a account without my consent
Product: Bank account or service

I have been a victim of XXXX fraudulent charges in a row on my TD bank which happened XXXX XXXX, 2016. I noticed those transaction on XXXX XXXX, on my ATM mini statement and right away reported the matter to my local TD bank branch in XXXX, CT. They have told me they 'll investigate the matter and that they 've promised my funds will be back to my account in about 10 days. This incident has drained my funds and I was slapped with a {$70.00} overdraft fee which I vehemently protested because I 'm not liable for this. I kept calling TD bank hoping to give them pressure to settle this problem, I have so much bills that was hanging in the balance. Greatly this has put me in a bad side thus putting all my bills on hold. Ten days had passed and nothing has happened and all they tell me is false promises. I need my account and my money back. Wish this bank call the attention of it 's customers for such unusual transaction ( happened at an interval of XXXX minutes in one day for XXXX fraudulent transaction ) I just do n't want TD bank give me false promises, it seems to me they 're not doing enough to help their customers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Violation of FCRA 15 U.S. Code 1681b Dear CFPB Team, I am writing to formally report a violation of the Fair Credit Reporting Act ( FCRA ) concerning the permissible purposes of consumer reports, specifically under 15 U.S. Code 1681b, by XXXX, XXXX, and Equifax. 

On XX/XX/year> I discovered that my consumer report was accessed by Equifax on XXXX, XXXX, XXXX  without my written consent. Also XXXX, accessed my report on XXXX, XXXX, XXXX  without my written consent as well. These companies are clearly in violation of the Fair Credit Reporting Act. As per the FCRA, a consumer reporting agency may furnish a consumer report only under specific permissible purposes, which do not include access without the consumer 's consent. 

I would like to emphasize that I did not authorize any of these inquiries, nor did I provide written consent for my credit report to be accessed by these parties. This breach of my rights under the FCRA is concerning, and I request that you investigate this matter promptly. 

I would like response to this letter and an update on the actions taken regarding this violation. 

Thank you for addressing this important matter. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXX XXXX XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

On XX/XX/XXXX i contacted the fraud department because I received a call from a unknown caller that my account had been hacked. There was a transfer into a coowned account I no longer should've been a co-owner on because they are now XXXX. They reversed the charges and opened a investigation. Shortly after they sent me a letter stating the account owner would be liable and that if she didn't pay they would take the money out of my account. I asked why wasn't I removed from the accounts when she turned XXXX. I was told that would happen on her XXXX birthday and someone dropped the ball. I shouldn't be liable for transactions on a account that was suppose to transition into an adult account at XXXX. She turned XXXX back in XX/XX/2024. The bank took {$1400.00} of my money i needed to pay bills and I have disconnect notices. They stated they could not remove me off this account while it was in a negative status. I should have been removed back in XXXX of this year as stated in the disclosures when I opened the teen account. I want my money placed back in the account and to be removed from all adult co-accounts. There are XXXX.
Product: Debt collection

I had applied for a {$300.00} pay day loan in XXXX, XXXX with Speedy Cash in XXXX, Colorado. I fell behind in my payment schedule and a balance was sent to XXXX XXXX XXXX XXXX in XXXX, XXXX. Although, I had made several payments, before the loan was paid off, it went to a collection agency which reported to XXXX  and XXXX  credit bureaus. In XX/XX/XXXX, I mailed the reported amount of {$250.00} to XXXX  XXXX, which is located in XXXX  XXXX, Missouri. I have a copy of the money order stub in my possession. I filed a dispute with XXXX  and XXXX  in XXXX, XXXX and in XXXX, XXXX but XXXX, notified me as a result of the dispute, that I still owe, {$100.00}, which is incorrect. I went to the website of XXXX, which I purchased the money order through and was advised to obtain a copy of the money order for a fee of {$25.00}. I think that it is unfair to me to have to pay for an additional copy of who received and cashed the money to show proof that XXXX XXXX is falsely reporting to the credit bureau that I have an unpaid balance.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was the victim of a malware attack that apparently got into my XXXX account, was able to change my email filters so I would not see certain emails about " bank, fraud, or recovery '' and likely got into my stored usernames/passwords and financial credentials stored in XXXX. Subsequently, my PayPal account and 2 other finanacial institutions were targeted for fraudulent transactions. 

On XX/XX/2021 two unauthorized transactions took place on my PayPal account that went into my PayPal credit account. # 1 was a {$1.00} " Donation via PayPal Giving Fund '' which I theorize was a " test run '' before # 2, a {$1400.00} transaction to " XXXX XXXX XXXX. '' Both of these transactions were made without my authorization or knowledge. I had to XXXX what this company was, and it was some video game design class or something that I have no dealings with. 

I did not notice these transactions until XX/XX/2021, where I immediately submitted an unauthorized activity case submission to PayPal. On XX/XX/2021, they denied my claim responding : " We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. Based on our review, we found this transaction is consistent with your PayPal payment history. '' The following day on XX/XX/2021, I wrote an appeal to their decision, explaining that 2 other financial institutions had agreed I was the victim of parallel fraud activities and argued that the transaction was not " consistent with my PayPal history '' as my PayPal credit account had set dormant for months, I have a PayPal credit card I have used for credit purposes, and I have never purchased any video game-related items with PayPal because I don't play video games. I also made available my willingness to provide any additional information or documentation. 

On XX/XX/2021, they again denied my appeal, citing " This decision was made because this transaction was not unauthorized. '' I am writing to the CFPB to complain that since I did not authorize these transactions, PayPal did not perform an adequate investigation into my fraud. I do not have in my possession whatever video game item was purchased for {$1400.00}. I am the victim of fraud. At no point did PayPal reach out to me to ask for any information coming from my end, yet somehow they concluded that I authorized these transactions. I respectfully request that my complaint be escalated that a more competent investigation be completed and that PayPal not ignore their platform being used for fraudulent activity.
Product: Consumer Loan

my complaint is against BBT the bank I have a checking account ending on # XXXX, they are taken money without my authorization or permission to pay BBT Visa and unsecured line of credit, I notified them, I 'm extremely ill and I need to declare bankruptcy I notified them by XXXX XXXXmail and letters still they wait for my social security to come throught to take the money out, when I was not ill I used to make payments on a monthly badsis at the bank, now that I 'm deckaring bankruptcy they are taken the money to pay the XXXX VISA and unsecured Line of credit, I need my social security to live on
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not responsible for this account, i never had contract with this company.
Product: Money transfer, virtual currency, or money service

I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " meet up '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car accident, got stabbed, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an accident and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Western Union and XXXX XXXX I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I sent money to XXXX XXXX, XXXX XXXX, XXXX XXXX in XXXX claims address is XXXX XXXX XXXX XXXX XXXX XXXX. I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.I cant upload the western union receipts on this form