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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a consumer reporting agency can not furnish an account without m
y written instructions Inquires
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/XXXX I used Wells Fargo online bill pay to write a check to XXXX XXXX XXXX XXXX, the agency providing XXXX care to my terminally ill mother. Wells Fargo removed {$8400.00} from the checking account but the agency never received that check. I visited a branch to try to resolve the issue. A personal banker sat with me for 2.5 hours calling Wells Fargo customer service. By the end of the 2.5 hours I was told that they were escalating the issue and that I would hear from them in 2 weeks. At the end of 2 weeks, on XX/XX/XXXX, Wells Fargo emailed me a letter telling me they had closed the case. The letter said they had attempted to reach me by telephone but I had received no phone calls and no voicemails. I called the customer service number provided in the letter 2 times on XX/XX/XXXX and 1 time on XX/XX/XXXX. I was told that the case owner would call me back, but he did not. I was also told that a new case was filed and I would have to wait another 2 weeks, which I think is unfair. I was also told that I was given the voicemail of the supervisor of the case owner and I left a message on that person 's voicemail. I did not receive a return phone call. When I called customer service today, I was told that they are not able to give me the voicemail of the person supervisor, so I don't know whose voicemail I left my message on. I have not received return phone calls from anyone who can help me with my problem. The people at the customer service number can not do anything to solve the problem. The agency that provided care to my now deceased mother is threatening me with late charges because they never received the check. I need Wells Fargo to put the money back in my account so that I can pay this bill. I don't know what to do. I feel helpless and infuriated.
Product: Money transfer, virtual currency, or money service

Demand Dispute Letter to Coinbase - XXXX : We have formally approached Coinbase regarding the suspicious transactions on your account. 
Demand Dispute Letter to the Bank - XXXX : Similarly, we have reached out to her bank to address the fraudulent activities and discrepancies in your account. 
Police Report Filed : A formal police report has been filed to document the fraudulent transactions and initiate an investigation. 
Complaints Filed with SEC and CFTC : Additionally, complaints have been lodged with the Securities and Exchange Commission ( SEC ) and the Commodity Futures Trading Commission ( CFTC ) to highlight the regulatory violations and seek their intervention.

How all happened 1. The person contacted me on XXXX sent me a message, became friendly with me, and started from there. 
2. She goes by XXXX XXXX, I know that much. 
3. Profits were if i put more money and trade XXXX. will have 60 % return, which was very suspicious, i will make a file from all the communication i had with her because we were talking and she was showing me how to do things 4. I was investing in ETH, she said her uncle has some algorithm, who is a investor and doing really good, knows when to do the trade. I told her I need to take money out she said, why do you want to take it out now make more than you can take it out. I told her I want to take now, but she persuaded to keep the money and trade more. 
5. I asked her how do I know that it is a legit company? She said of course it is because I am sending money to Coinbase and it goes to XXXX and all the things I do from my end, and it is safe and it is authenticated. She had an answer on everything. I know I was fooled. 
6. I didn't sign any agreement with them.

7. I had a portal to log in, at first it was working, but after a while i couldn't get it in. When it came to XXXX i couldn't log in. 
8. The money from my bank went to coinbase and after coinbase went to XXXX. 
9. We set up together, she was teaching me all from the scratch.

10. She didn't get into my computer, just showing how to do all the procedure.

11. I took money from my credit card, and i took loan as well, ( so XXXX ). 
12. They didn't ask to pay any withdrawal fees.

13. Unfortunately i didn't receive any returns.

14. My bank didn't block any transactions, because i just took a personal loan and from credit card money for me.

15. I lost quiet some amount {$16000.00}.

16. I moved money from my credit card and from loan to my bank account yes, to send to coinbase 17. I never bought crypto from this account before. 
18. It made my realise that it is a scam, because i couldn't get into the XXXX site to check my balance, i tried and tired and it was just not happening, I wrote to her, and it was no answer, Before she was talking to me none stop, and after that it was silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am added on a credit card with XXXX XXXX as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get XXXX XXXX to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.
Product: Student loan

Nelnet has wrongly declared my account as past-due for an amount way beyond what I am supposed to pay per month while paying on the SAVE plan. This can impact my credit and I am very angry, especially as my forbearance period has just ended and I am going to make my first payment of XXXX as scheduled on XX/XX/XXXX. I do not understand why Nelnet is saying I am past due.
Product: Checking or savings account

I did a transfer XXXX online and the transfer date given for completion was XXXX or XXXX and they are holding pass that date even though I expressed needing access to the money sooner
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to get hard inquirys from XXXX XXXX and some other company and it has affected my credit a good bit
Product: Credit card

On or about XXXX/XXXX/15, I noticed a pending charge on my American Express card that I did not make. AMEX gives the consumer the option to 'mark ' a pending charge to be watched. My note indicated that the charge was fraudulent. Once it posted, I again, contacted AMEX to tell them about the fraudulent charge. They told me that I was n't responsible for the charge. I spoke to another person in the fraud department earlier this week, who assured me that once my billing period closed, the charge would be removed. Not only did they not do as they said they would do, but I just received my XXXX statement and the charge is still there. AMEX refuses to listen to the consumer and is deceptively telling them they are n't responsible for the charges. Because this charge is for a merchant that many people do business with ( XXXX ), many people may overlook it when someone fraudulently compromises their credit card. 

AMEX uses unfair and deceptive practices when they REFUSE to remove a charge that the consumer says is fraudulent. I 've marked the charge for inquiry, disputed the charge, all to no avail. I 've even told them I would file this complaint if they did n't remove the charge. They are either incompetent or are so arrogant to think the consumer is an idiot and will just pay the bill.
Product: Debt collection

Ad Astra sent me a collection letter for a loan that was previously paid to the orginial creditor. I have tried several times to dispute debt with my credit bureau with out any response from Ad Astra. I also sent them a letter asking for validation. No correspondence received. So finally I sent a payment to Ad Astra through my banks bill pay, and the next day also sent them a letter saying that they should have received payment for exact amount. Also that I was requesting validation of the debt. Did not receive. I also sent Ad Astra a copy of bank statement showing payment to the orginial creditor. I have attached all documents that I have in regards to this matter. And I want this removed from my credit.
Product: Debt collection

I checked my credit score and noticed it had decreased and there was a report stating i was in collections. I gathered the information and attempted to call them. After calling them 4 times i got a hold of someone who then transferred me to the agent XXXX, she started the call extremely rude asked for my addressed and i let her know i never received a noticed since the address on file was incorrect she said they did not receive a mail back so the address was correct even though i stated the address was incorrect. I asked if there was a way to dispute and she stated i could not dispute the balance. In the beginning of the phone she let me know the balance was for XXXX then later on the phone call told me the balance XXXX since there was interest charge. She did not state her mini Miranda, she did not let me know the call was being recorded and hung up on me and was extremely rude and sarcastic and also lied about the balance on my account. She did not let me know if collection activity would continue. I called again to get the balance resolved and she let me know that i could not dispute and to talk to her manager. After i spoke with her manager she also did not do much. She did not tell me call was being recorded or the mini Miranda, she said she could give me a discount but did not offer to let me dispute the account. After i told her they had the wrong address she did not gather the correct address information and let me know i can dispute and rushed me off the phone without giving me details on how to dispute. I had a XXXX XXXX right after the call because of manipulative and rude behavior. The agent I spoke to was XXXX and her supervisor was XXXX. I do not owe this balance. The services were never provided. They broke FDCPA laws and HIPPA laws. I feel harassed and nothing was ever provided to me regarding the outstanding balance.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/year>. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give direct permission for your organization to release any information in regards to my credit profile.

I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, Transunion and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze.

I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.
Product: Debt collection

I have reached out to Midland multiple times to your races off of my credit report as they have not provided sufficient evidence to prove that this account belongs to me. There was no signatures provided or ID that was used to open this account. I have already filed identity theft case with the FTC And submitted documentation to Midland. They have failed to reach back to me, They have not provided any documentation with signatures or ideas requested. I have to block about five numbers a week from calling me because I do not stop calling from different area codes with different names. They have started to call my mothers phone number and all of my kids cell phone. My kids Are XXXX and XXXX. Both under age and they have called an integrated my kids for information How to get a hold of me. Yet they cant even prove that this information belongs to me. Harassment and phone calls have been going on continuously for months and months and months I would say for at least over a year and a half. They have multiple people in my family. I do not know Information but dont hesitate in the day and night
Product: Credit card or prepaid card

On XX/XX/XXXX, I was notified by email from Chase that they believed there was fraud on my credit card. 
I reviewed the charges and confirmed that there were XXXX fraudulent charges. I reached out to Chase and flagged the following 3 charges : VENDOR AMOUNT DATE XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX {$8500.00} XX/XX/XXXX XXXX XXXX {$9900.00} XX/XX/XXXX Up until this day I had never heard of this company, have never contacted this company, they have never done any work at my home, and I have never agreed to pay for work they have done at another home. 

On XX/XX/XXXX, I received a message from Chase that the Transaction of {$9900.00} was found to be a valid charge. The charge was than added back to my credit card. I reached out to Chase to discuss the charge and ask why they believe it to be a valid charge. They informed me that that had a signed invoice from the vendor. I asked that they send me a copy of the invoice so I could review. 

On XX/XX/XXXX, I received the documents from Chase. The documents had my name and address, but the email address was not an email that I have ever had nor is it attached to the account. 

On XX/XX/XXXX, I contacted Chase to inform them that I had received the documents and that the signature was not mine. I emailed them a photo of my drivers license so they could verify that the signature was not mine. They agreed to re-open the fraud claim. 

On XX/XX/XXXX, I received a letter from Chase that they found the charge to be valid again. 

On XX/XX/XXXX, I filed a police report with the XXXX XXXX XXXX NC XXXX XXXX XXXX. The Case # is XXXX. 

On XX/XX/XXXX, the detective XXXX XXXX XXXX XXXX, XXXX. ( INV, INV ) ( XXXX ) ) contacted Chase and informed them that she is working with the vendor and that the charge in question had been found to be fraud. Per Chase recommendation she also emailed that information to them. 

On XX/XX/XXXX, I submitted the police report to Chase and asked them to re-open the fraud investigation based on that police report and the email from the detective. 

On XX/XX/XXXX, I received a letter from Chase stating that they again found the charges to be valid.
Product: Checking or savings account

On XX/XX/2023 someone claiming to me claimed fraud charges of normal monthly bills I pay. And my account got credit for these claims. There where three internal bank transfers from my account which the account number is XXXX to a XXXX XXXX XXXX in three different amounts one for XXXX, XXXX and XXXX. I saw these transfers and immediately messaged my bank they were fraudulent. The bank Navy Federal Credit Union didnt investigate the charges they claimed just credited my account XXXX dollars. When as I stated I make but one of the claimed charges monthly. The XXXXXXXX XXXX  charge was mine for {$450.00} as I needed two new tires. My car XXXX to XXXX XXXX, my loan payment of XXXX to XXXX XXXX, XXXX XXXX XXXX for XXXX and XXXXXXXX XXXX  for {$450.00} all charges that were claimed as fraud and my account credited for XXXX on XX/XX/XXXX. I immediately notified my bank who then didnt fix anything and told me that I am responsible I changed my direct deposit information as I get va benefits but they are not refunding my fraud charges as I have explained exhaustedly to the bank the va and the department of the treasury ( whom hung up on me ) that this account needed to be closed and no money on or out til the investigation is done. Because of Navy federals lack of initial fraud charges claimed I am negative XXXX as of today. So more money has been taken out. Since then. And havent notified the proper channels of said fraud by law or closed my account and will not credit my account the missing funds. Va benefits are also protected benefits and they refuse to send them to the new ach I have set up because of this incident. I am looking at not having a job anymore. Losing my car, house and other things because of this. And said that I wont receive anything. Until this investigation is over which could be up to 45 days when they should have initiated a investigation immediately upon me telling them to stop the unauthorized transfers from account to account. I dont know a XXXX XXXX XXXX Or how my information was gotten. And frankly I am being badged for bills to be paid when I cant even put gas in my vehicle to get to work. They have not been professional or have they even tried to fix this issue on any level. I have also attached several documents indicating my issues.
Product: Debt collection

This debt showed up on my credit report on XX/XX/2024. I wrote to the debt collection agency for details of this account. Have not heard back from them. Would like this removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting XXXX XXXX XXXXhas violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

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  15 U.S.C 1681 section 602 A. States I have rights to privacy.

15 U.S.C. 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX. 
XXXX, TX XXXX XXXXXXXX XXXX XXXX {$1000.00} Date Opened ; XX/XX/year> This is not me ; I have no knowledge of this account. this is fraudulent and should not be on my credit report.
Product: Prepaid card

I purchased a Vanilla Visa Gift Card from a merchant ( XXXX XXXX ) and put {$330.00} on the card through the merchant. The card was to be used to pay a critical utility bill. 

When the card was opened, there was no Security Code on the back. The box was blank. Called the Vanilla Gift Card number and they put a hold on the card and told me it could up to 30 days for a new one or refund. I sent all of my card pictures, personal ID and receipt to the email : XXXX. I am concerned I am out of my money. 

I am not able to get any resolution to getting my {$330.00} back. It was used to pay a critical bill but because it was deemed as a fraudulent card, I have not been able to get my {$330.00} back. 

Please help me get my funds back. Thank you.
Product: Debt collection

I have paid an apartment complex directly on XXXX/XXXX/2011 and was given my receipt and a signed letter by the property manager stating that they received payment and my balance was XXXX. The company was changed management several times and lost paperwork and so forth and yet IT HAS NOT BEEN REMOVED FROM MY XXXX CREDIT CREDIT, WITH ABSOLUTE PROOF I PAID prior to it going to collections. THEY ARE DELIBERATELY NOT DOING THEIR JOB AND BREAKING THE LAWS THAT ARE IN PLACE FOR THE CONSUMER. I have disputed over and over again and they still have not did their job with irrefutable proof. I would not have a receipt or letter from the collection agency since the apartment complex was paid 5 years ago and was called XXXX XXXX. So therefor my receipt was given to me from the property manager of the complex I previously resided. I made a complaint to my XXXX XXXX as well as FTC.
Product: Credit reporting or other personal consumer reports

XXXX Account Ending in XXXX XXXX  XXXX Account Ending in XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account Ending in XXXX XXXX XXXX Account Ending in XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX Under the Fair Credit Reporting Act conversion Account numbers has violated my rights. 

Per 15 USC 1681 SECTION 602 A, it states that I as a consumer have the right to privacy when it comes to my credit report. These Account numbers are violating my rights to privacy.

Per USC 1681 SECTION 604 A section 2, also states that I have the right to not have my information published with my consent or my written instructions, and I as a consumer have not given any credit report that right to published my information by oral or written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.
Product: Bank account or service

For the past couple of months, Bank of America has been double charging me. They also change the screen charging overdraft of already charged items. On about XXXX/XXXX/2016 I called in and ask them why they double charge me for checks returned, when the day before, that was not the case. The clerk from XXXX XXXX fixed it and sent me a customer satisfaction survey. Before I could send the survey in, they triple charged me and changed the screen again. I called again and ask why. I spoke with this rude clerk who try to justify why the changed the screen every chance they get to charge and double charge you for everything. She wanted to argue the why the action was put in place and why they change the screen. I told her, did not agree with her and was not going to argue with her, and told her good-bye. I have copied the statements befor this one and do n't have a scanner. However, I am able to fax additonal information important to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE XXXX XXXX XXXX Account # XXXX off XXXX XXXX credit report file today DELETE XXXX  XXXX XXXX XXXX Account # XXXX off credit report file today Both Accounts Passed Statue of Limitations and law states it must be deleted off credit report today.