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

I called Chime for account questions in late XXXX XXXX. When I was connected to an agent he did not confirm my identity prior to providing my account information such as my balance, account number, card number and security code on my card. I expressed concern that my account was not secure and they stated my account was safe. I noticed a few weeks ago my account had changes I did not make or authorize. Most charges would be when I would be working, so I would have been physically unable to make the transactions. Beyond that, some transactions were made hours away from me and even some in another state. I filed a stolen card claim and disputed the transactions. The entire time the dispute team was unprofessional and I had to keep repeating myself multiple times because they were laughing and joking around with a coworker. My dispute has been denied and when I called to appeal this I was told they dont do that and that it was closed and I couldnt do anything about it. Im now missing over {$700.00} and cant get anyone from the company to assist in this situation, including supervisors. I attached emails where Im given confirmation emails of my sent information and those followed up with emails saying they dont have those emails.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023. I have sent Equifax information relating to 3 fraudulent accounts.Which is XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. However, the company did not honor my FTC report and decided to rescind my block. In addition, I have provided Police Report, FTC report and notarized affidavits. Unfortunately, these accounts still come back verify? I contacted the creditors directly and they could not verify any account information. I requested the method of verification to equifax they did not sent any documents. Only a template mail they sent. Furthermore, I am filing a complaint. Under the FCRA, CRA must do a reasonable investigation and they havent. Also, I have a copy of letters from the creditor. Some accounts removed then re-added the same day its removed? Like what is going on. All of this is violations under the FCRA.
Product: Vehicle loan or lease

On Tuesday, XX/XX/2018, an unknown person fraudulently used my name to sign a lease for a 2018 XXXX XXXX XXXX ( VIN : ending in XXXX ) at the XXXX XXXX XXXX XXXX XXXX XXXX Dealership located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The attached lease agreement ( see Exhibit A ) was entered into without my consent or authorization. 

No lease agreement was faxed to me or overnighted to me to sign and I could not have signed the lease in person, since I was in my home located in XXXX XXXX, California. 

XX/XX/2018 timeline of my activities supported by XXXX XXXX, Bank Receipts and Photos At XXXX XXXX I left my home in XXXX XXXX and drove XXXX minutes to my gym at XXXX XXXX ( See Exhibit B ) At XXXX XXXX. I left my gym and returned home at XXXX XXXX were I remained until XXXX XXXX. ( See Exhibit B ) At XXXX XXXX. I departed from my home and drove to XXXX Paints located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, where I arrived at XXXX XXXX. ( see Exhibit B ). I proceeded to purchase a can of paint ( see Exhibit C ). 

I departed at XXXX XXXX. and arrived back home at XXXX XXXX., where I stayed until XXXX XXXX. ( See Exhibit D ) I then returned to XXXX XXXX XXXX at XXXX XXXX. and departed again from XXXX XXXX back home at XXXX XXXX. I arrived home again at XXXX XXXX. and stayed until XXXX XXXX., ( See Exhibit D ). 

My wife and I then went shopping at the XXXX XXXX XXXX XXXX XXXX from XXXX XXXX. to XXXX XXXX. ( See Exhibit E ).

My wife and I returned home at XXXX XXXX ( See Exhibit E ). 

My wife and I were painting our house ( See Exhibit F ) Please see letter also attached from my attorney to XXXX XXXX XXXX XXXX XXXX XXXX as well as any other enclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting each XXXX  showing on my credit report for auto financing as a separate line item. ( Please see page attached from my credit report. ) These multiple inquiries are well within the ( 14 45 ) days that is typically allowed to check different lenders and find the best loans. These inquiries are of like kind and therefore should only be reporting as ( 1 ) individual line item. They are not separate, individual entities. This reporting of multiple inquiries is seriously harming my credit score and these additional line items need to be removed and report as only ( 1 ) inquiry. I have contacted the bureaus to fix this however, I have not been successful.
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 four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan with XXXX XXXX opened on XX/XX/XXXX, a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a collection account with XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX  XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX  XXXX Bankruptcy XXXX Please remove this bankruptcy from my Public record
Product: Credit card or prepaid card

On XX/XX/2019, I noticed charges on my card that wasnt mine. I immediately reported at that time that i dont have possession of that card. Capital one put the credit back on my account after a 30 day investigation. After 60 days, capital one put the charges back on my account without me knowing about it. I have been denied business credit, charge interest that made my account go over its limit. There is camera footage from XXXX   XXXX that shows a person that is not me nor my wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX XXXX separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my Transunion, XXXX, and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under XXXX XXXX XXXX  which is still present on my credit files as unpaid. 

I have submitted disputes with Transunion starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time Transunion denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim. 

I have emailed XXXX XXXX XXXX twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either. 

Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans. 

This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. Transunion, XXXX )
Product: Debt collection

Lvnv funding assured me that they would remove the charge off my credit report after I settled it completely. The negative listing is impacting my ability to secure approval for housing.

LVNV used false imformation amd misleading statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. Here are the accounts that needs to be correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$29000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$320.00}.
Product: Money transfer, virtual currency, or money service

The company is Word Remit, an international remittance company, and on XX/XX/2020 about XXXX XXXX I received two ( 2 ) emails from this company informing me that my two ( 2 ) transactions for {$900.00} each were both completed, meaning the monies that i sent to the XXXX, and immediately i responded to WorldRemit that I did not authorize both the transactions. My bank where the monies were taken is XXXX XXXX XXXX, I also reported and complained immediately to XXXX XXXX XXXX  that both transactions were fraudulently made. Word Remit and its partners in the XXXX should follow strict guidelines in disbursing funds to the recipient to avoid fraud and scam. 

XXXX XXXX XXXX is still investigating my complaint. And World Remit is passing the fault on me. 

I want my funds to be returned back, a total of {$1800.00}.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX  - XXXX EMPLOYER - XXXX  Incorrect Address - XXXX XXXX XXXX XXXX XXXX, GA, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX - Incorrect DOB - XXXX  Incorrect Name - XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I first engaged with the perceived investment brokers back in XXXX, where they set their trap in a XXXX comments section on a finance channel. There was a web of comments saying they had good results with them and that initially piqued my interest in trying the investments out. In this case, all the comments in that thread must have been fabricated by a pack of scammers, as these people didn't make me money or return my money when asked for it. I reached out to them on XXXX and they ensured me they were legit and experienced traders/brokers. A month goes by and I see numbers going up on the backend of their trading platform ( XXXX ) but unbeknownst to me, those numbers were static and fabricated ( looked to be a few XXXX in profits at the time ). As time goes on I feel it's enough of a return but when I asked for the profits to be sent to me ( with the condition that I pay their " fees '' ), it became increasingly frustrating and difficult to get anything back. I was asked to purchase almost XXXX worth of crytocurrency insurance, which didn't make a lot of sense to me. I inquired why didn't they ask me to buy insurance initially and the scammer told me " the risk is minimal starting and they can use their charts to see fluctuations '' but I smelled bs on that. Towards the end I was asked to pay upfront tax fees ( stated to be XXXX ), withdrawal fee, broker fee, and some other fee not mentioned ahead of time. I felt my XXXX and head pounding as I realized I was being taken for a spin by these professional scammers, who kept bringing up fees that nobody talked about initially. I tried to make deals with them, told them it's unethical to throw fees on people at the end of a trading process, and threatened to report them for cryptocurrency fraud. I spent weeks agonizing over lost funds ( that were my life savings and need to pay for rent/food ). What I thought was an opportunity to gain liberty was a chain of mental and financial despair. The merchants didn't help ( XXXX  and XXXX  ) as they neglected accountability for scammers using their platforms and Wells Fargo has been grossly negligent in setting up account alarms or talking to clients about " current events '' regarding fraud, scams, and deeper investigations regarding certain transactions. Wells Fargo proved to me they don't care about their clients by issuing a single statement to me saying " we have determined the transaction was authorized or that a processing error did not occur. Please consider your claim closed. '' That's the same as telling me " please consider your life closed. '' Their reputation is far below the standard and events like this are why, they deserve to be blacklisted for not looking after their clients ( who've done business with them for more than a decade ). They didn't offer any deals or extended talks with the merchants to get my money back, it is unacceptable customer service.
Product: Credit reporting

The former name " XXXX XXXX '' or " XXXX XXXX XXXX '' or " XXXX XXXX XXXX '' should not be listed in my credit report as a former name used. I have never used the last name " XXXX ''. My credit report should only disclose my current legal name as XXXX XXXX XXXX, my former married name as XXXX XXXX XXXX, and my maiden name, XXXX XXXX XXXX, as these are the only names I have ever used.
Product: Checking or savings account

I received a statement for XXXX for an online savings account with Marcus. I called the company and told them I did not open this account. They said they would close it. I received a letter dated XX/XX/2024 telling me to fund my account. I thought it may have been mailed before I requested the account closed so I waited. In XXXX, I received a statement for XXXX showing the account still open. Even though it has a XXXX balance, I do not like knowing someone has opened an account in my name. I'm wondering what Marcus is intending to do with this fraudulent account and why they will not close it.
Product: Money transfer, virtual currency, or money service

I can go in writing to formally express my concerns regarding XXXX handling my disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform, despite using Zelle numerous times in reporting discrepancies my financial institution in Zelle failed to investigate my claims adequately They informed me that recovering loss funds was impossible in that tracking these transaction was unfeasible the CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users like myself vulnerable to scams This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety
Product: Credit reporting

TRIED TO OPEN BANK ACCOUNT AND XXXX SYSTEMS REPORTED THAT MY SOCIAL SECURITY NUMBER COULD N'T BE MINE GIVEN THE SEQUENCE OF NUMBERS WAS AVAILABLE FOR ISSUE IN XX/XX/XXXX IN NY, HOWEVER, I WAS BORN IN XXXX MARYLAND IN XX/XX/XXXX NOT NY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion XXXX XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myTransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Debt collection

Debt Validation Letter mailed to Midland Credit Management on XX/XX/year>. Under 15USC1692 ( e ) and 15USC1692 ( f ) evidence of authorization to seek any claim on me, The XXXX XXXX XXXX to the legal name fraud, was not met. ( Please see all attached documentation : copy of signed and notarized in Truth debt validation letter as well as reply correspondence failing to provided requested Proof of Debt Validation ).

Their " reply '' to my Debt Validation request was hysterical. DO NOT attempt to claim your collection company is not reporting this false information to my credit reports- you admitted it and it has been remitted to the CFPB as proof.

NO CONSENT NO CONTRACT. 
Again, kindly provide me with a Valid Contract including : Full, Honest Disclosure, Equal Consideration for both parties, TWO wet ink human signatures - digital signatures are null & void.

Midland Credit Management also continues to contact me continuously from various phone numbers claiming I owe this debt on my personal phone. This has caused emotional and mental distress. I have opted out several times, stated Cease and Desist in Letter form, while they have continued to contact me regardless. 
YOU HAVE 10 CALENDAR DAYS TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in legal action for consumer law violation under 15 USC 1681n, 15 USC 1681o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Failure to respond satisfactory with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$50000.00} } per violation for : Defamation of Character Negligent enablement of identity fraud Fair debt collections practices act & Unlawful Debt Collection Practices under 15 USC 1692g violations Fair credit reporting act 15 USC 1681 violations for willful noncompliance, 616 civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Violation of Consumer Rights, A.R.S. 44-1522, Failure to Authenticate Evidence as per Federal Rule 90, Unauthorized Contracts for Collection Services as per 31 U.S.C. 3718 and A.R.S. 12-134, Failure to Provide Signature Certification as per Treasury Direct Signature guidelines XXXX A.R.S. XXXX, and Violation of Natural Person Rights as per 46 U.S.C. 104 and A.R.S. 44-1-215.

Furthermore, Midland Credit Management is in complete violation of The False Claims Act ( FCS ), 31 U.S.C. 3729.
Product: Debt collection

Designed Receivable Solutions, Inc - This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate. Please remove.
Product: Credit reporting or other personal consumer reports

I think I've been a victim of identity theft. I disputed the wrong info on my credit report. I don't know how it happened, and I have no suspects. I didn't get any money or stuff from it. Can you please investigate and remove it from my credit file? Thanks. 
XXXX XXXX Balance Owed : {$550.00} XXXX XXXX XXXX Balance Owed : {$770.00} CXXXX XXXX XXXX Balance Owed : {$550.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I submitted multiple claims about multiple {$0.00} unauthorized charges to my card by Google on XXXX. I was told they researched and decided that there was nothing wrong. Then over the weekend I received 16 more charges of {$0.00} to the same card by the same " person '' at the same company so I've submitted unauthorized charge inquiries in regards to the charges and it is pending.
Product: Mortgage

I am the main person on the loan and my ex boyfriend is the co signer on the loan. When we broke up he moved into the house and promised to make payments but didnt. This has led to my ex boyfriend applying for mortgage assistance. He forged my signature on the closing documents for this assistance and the bank accepted the paperwork despite me having called them numerous times before the paperwork was finalized telling them I did not accept the terms and I would not be signing any of the paperwork to go through. My name on this notarized document was also spelled wrong and the bank disregarded both my name being spelled wrong and me telling them on multiple occasions I did not agree to the mortgage assistance and I would like to cancel it.