23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On or about XXXX my business e-mail XXXX is compromised and e-mails are generated from this address to my XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX 

A fraudulent account is set up using my social security number, name, at Truist Bank. 

On or about XXXX a wire is initiated from my XXXX account to the fraudulently created account at Truist Bank in my name. 

XXXX We discover the fraud and file complaints with XXXX and an XXXX Compliant with the FBI. 

XXXX handles the claim, but Truist Bank refuses to properly return funds left in the Truist account. 

Approximately {$2500.00} of the stolen funds remains ( most of funds were withdrawn by criminals ) in the Truist Bank account and after numerous calls Truist advised they are keeping the Funds, without any justification and refuse further discussion.
Product: Credit card or prepaid card

This company is Comenity Bank which handles credit card accounts for Victoria`s Secret. I notified this company by letter of fraud for {$490.00} on XX/XX/XXXX. A letter was returned to me XX/XX/XXXX indicating I had no basis for the fraud. I submitted an identity theft report, proof of identity, police report and Notice of Furnishers of Information XX/XX/XXXXin written form via return receipt mail which was received by signature confirmation. I again received a bill from this company XX/XX/XXXX requesting payment.
Product: Credit reporting or other personal consumer reports

There are multiple discrepancies on my credit report that I would like to have investigated and remove as soon as possible. 

XXXX XXXX XXXX first of all we've never been late. There were some fraudulent charges made on the account for some reason the bank approved half of them and of the other half but 100 % of it was fraudulent so we should have a XXXX balance. Also, I was just an authorized user on this account, and we have requested to remove me from the account and close the account so I have no idea why this is still showing up on my credit report. I'm not the primary and I should not be on the account anymore. 

XXXX XXXX XXXX XXXX  you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX XXXX you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX. XXXX credit card you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me XXXX credit card you charged off the account which means per the United States government specifically the IRS I had to claim that as income the year you charged it off. And if you check with your legal department income can not be reported on credit reports. I requested you to remove this before, And if you're unwilling to remove it, then I'd like to see proof that the account belongs to me If you can't prove that the account originally belong to me then I expect you to remove There are also some inquiries on my account that do not belong to me. I've contacted the bank directly. They agree that the inquiries were made fraudulently and should not be listed on my credit report, but they say it's up to the credit reporting agency to remove them feel free to call the Bank if you're uncertain. I would like all of these removed as soon as possible. And paper copies of the updated Report sent to me as soon as possible paper because I can not login every time I try to login online it always tells me I have to call so I want everything sent to me in writing paper XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX
Product: Debt collection

RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when Comenity decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at Comenity contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. 

In conclusion : 1. The seller committed fraud by lying about the quality of their product and their location, and their XXXX  information and countless reviews proves this.

2. Comenity committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then Comenity committed a second count of fraud by selling the fraudulent account to XXXX. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in.

With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady XXXX  collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by Comenity. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. 

Finally, XXXX is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX  where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of XXXX. 

Quash this account and restore my credit IMMEDIATELY!
Product: Checking or savings account

In XXXX of XXXX  chime bank took XXXX  dollars of my tax money from my card and stated it was for my XXXX XXXX  account when I regularly paid my account and they said its nothing they could do because the money was theirs
Product: Debt collection

I can't give you dates because these people ( Midland Credit Management XXXX XXXX XXXX ) have called me up to 3-4x a day since XXXX of last year and I have requested that they QUIT calling me NUMEROUS times. I have also been called at XXXX, XXXX, before XXXX, you name it, they've done it all. 

I block their numbers, they come back with literally 50 more, probably using a XXXX phone pool of rotating numbers. I think I reported about 20 of them the other night. 

They also refuse to announce who they are, only claiming that they're calling about a " Business venture '' in which I made a caller slip up on a call because she failed to claim our call was being recorded until AFTER I called her out on shenanigans in which she announced who they were and why they were calling. 

I have had them tell me they can't stop calling me unless I send a written letter, this is also a lie. When I tell you " Stop harassing me '' and you continue to do it, that's legal grounds. 

Listen, I'm fed up and these stalkery, creepy people with a bad business plan aren't my responsibility. Buying debt is XXXX. They can go under and deserve to. 

Tell them to take it up with my strawman account while you're at it. Americans aren't playing this fake debt game anymore.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports and time has already passed but up until now, I havent heard any kind of response from XXXX and XXXX credit bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request regarding MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) with the account number XXXX. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. I've already reached out to both the Bureaus and collection agency. However, they failed to do so, they are obliged to remove this item which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please investigate and remove this MIDLAND FUND ( Original Creditor : XXXX XXXX XXXX XXXX ) from my account. This is causing my scores to drop.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I sent {$40.00} via PayPal to the email address of a friend in XXXX. She does not have a PayPal account, but I had done it before with another friend and he opened an account. He never told me any details. 
Only ONE bank in XXXX works with PayPal and my friend does not have an account with them and can't open one. Her email said that if she does not take the money, it will be returned to me by XX/XX/2020. 
No money has been returned to me and she has not taken the money. I filed a report with PayPal and they never address what I've actually written. There was no warning to me that I should not send money to someone who does not have an account. 
Out of frustration, I filed another complaint that there was suspicious activity. That confused things, and I regret doing it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The mentioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of therefore mentioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX 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

Capital One case XXXX XXXXXXXX ( contact for full number ) was opened to request the removal of charged interest. XXXX XXXX month XXXX  % promotional period expired on XX/XX/2023, and {$190.00} interest was billed XX/XX/2023. Seems simple enough, promo expired, payoff date was missed, so interested was billed. A request was made to remove the interest and it was denied at all levels at Capital One. The reason for the compliant ; Capital One does not disclose promo expiration date on the statements and it is not disclosed online. A call was made on XX/XX/2023 at XXXX PM ( XXXX ) as soon as the {$190.00} interest charge was seen, XXXX day after it was posted. Associate XXXX XXXXXXXX took the initial call, forwarding it to a XXXX  accounts supervisor named XXXX. They stated that the only way a consumer will know when the day the promo expires is to call Capital One. It never has and never will show up on the statement and can not be found online. XXXX bumped the request to removed the interest charge internally for further investigation ( see case # in first sentence ). On XX/XX/2023 the $ XXXX account balance was paid in full, except the disputed interest. On XX/XX/2023 the case was discussed with associate # XXXX, stating that the request to remove the interest charge is denied. All associates at all levels were polite.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX letters to the XXXX credit bureaus to report a few accounts that I believe are a result of identity theft, XXXX of the credit bureaus have not complied with blocking the information on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX, Number : XXXX XXXX, XXXX
Product: Credit card or prepaid card

Citibank ( for Home Depot ) recieved my payment ontime on the XXXX. They acknowledge it was recieved on the XXXX. They have charged a late fee of {$29.00} because it was a weekend and my bank did not release the funds because it was a weekend.
Product: Payday loan, title loan, or personal loan

In talking to a customer service rep, I was assured that credit score would not be a factor, mine is XXXX, not bad. Now my denial was based on 1. XXXX risk view score 2. XXXX XXXX  score 3. XXXX Auto Origination Score, so much for score not being a factor. Misleading advertisement, and I would expect discrimination in lending.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , INC . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with Error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the natural person did not authorize OR granted my permissible written consent to your company to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately purge and delete the unauthorized inquiry from my credit file before ligation.
Product: Credit card or prepaid card

I found out my blalance was at XXXX when I tried to grab some food, I logged into my account and found out there were purchases made at a XXXX XXXX in two different cities than the one I live in, it was made a few hours after I bought breakfast for myself. I tried for 10+ hours to talk to someone only to be disconnected by a automatic message saying to call back due to heavy call volume, I have bills to pay and a child to feed and losing XXXX dollars due to scammers is heartbreaking. I 've tried to call to report it and I have no luck. The unauthorized purchases took place on XX/XX/XXXX between XXXX to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to resolve this matter on my own several times. I have not received a response from them in over 30 days as law allows them to respond to me with proof I gave them consent to share my personal alleged transactions. They are sharing my information with 3rd party companies and making a profit without my consent or knowledge which is identity theft.please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( ANYCOMPANY ) such authority.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to FCRA income can not be reported on a credit report. This account has affected and damaged me mentally and physically, preventing me for better options as far as dwelling and credit cards. I am writing to formally request the issuance of IRS Form 1099-C ( Cancellation of Debt ) for the account that have been charged off by your institution. This charge off account is reporting inaccurate information and its against " Title 15 USC 1681b ( a ) ( 2 ) ''. 

SYNCB/AMAZON PLCC Acct # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See new attachments. Two Capital One credit cards ending in XXXX & XXXX were stolen at same time, used, and then fraudulent payments were made to continue using and exceeding the credit limit. See attached Sheriffs report. The cards were not being used and stolen out of my office and it was understandably that it took a while before I was aware. Capital One is not prepared to handle multiple successive fraudulent payments like a bank putting a hold on deposits. Capital One closed my accounts on same day, then charged off at same time, and then did a fraud investigation months later. On XX/XX/XXXX, Capital One was pleased to inform me that the dispute for card ending in XXXX, was found in my favor and Capital One credited {$3100.00}. On XX/XX/XXXX XXXX on card ending in XXXX, Capital One found no signs of fraud. On XX/XX/XXXX, Capital One agreed there was incorrect information on credit report for the same card and they asked the credit bureaus to remove the account from my credit report. 4 days later on XX/XX/XXXX, Capital One said they found no signs of fraud on the same card ending in XXXX.???????? This is ridiculous! Both cards were listed on sheriffs report and canceled at same time by Capital One. Capital One is very unorganized and holding consumers responsible before they hold themselves responsible. I thought I was bad with 32 '' flood waters, XXXX, and theft, forgery, fraud, but Capital One is worse. Both cards were stolen at same time and both cards need to be removed from my credit report. I am attaching AGAIN the letters referenced above plus the XXXX Sheriffs report, the fraud affidavit, information on XXXX XXXX XXXX who was listed on Sheriffs report. AT THE LEAST, investigations should have been performed much earlier allowing me to keep cards instead of having a lump sum due that I can not afford. I called today because after almost 4 years I was very frustrated. I wanted to know if the was a manageable amount that I could afford and pay. It was an amount that I could not afford living on social security. I was informed that the settlement amount is automatically generated by a computer that hasnt any guilt of wrongdoing or any feelings or emotions. How sad. I am XXXX and had XXXX treatments from XXXX XXXX. I had 32 of water during Hurricane Harvey a month after filing the sheriffs report and I am still not settled. I should still have the cards with 700s credit and faithfully making payments.
Product: Credit card

This account is reported in to XXXX, XXXX and XXXX. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my interest rates. This negative rating has caused me serious financial distress and will continue to cause me financial and XXXX until this issue is resolved. 

In researching my legal rights, I have found several items that I understand I am entitled to. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand and information request!
Product: Debt collection

I never received any communication from this company that my account will be send to collection without my knowledge. Do n't even know this company and find out get bad review with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for home equity loan. Report states lack of revolving account info, lack of recent installment loan, too few accounts currently paid as agreed. We have credit for 60 years. We have two credit cards which are automatically withdrawn from bank account in full every month. Just because we do not carry balance every month, we should not be penalized. As far as we know we have never had a past due amount. We feel we should have perfect credit.