23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, 2017, my phone and wallet were stolen while I was out eating dinner with a friend. By the time I was able to track down my stolen phone, I realized there were multiple fraudulent transactions on my XXXX account sent to an unknown user. 

There were a total of five XXXX transactions with a total of {$2000.00} sent to this unknown user. I have attached a screenshot of these transactions below. 

Once I saw these transactions, I immediately contacted my bank, reached out to XXXX, and even filed a police report. I will attach the detailed police report below. XXXX was able to stop the transactions so that the money was not taken from my account. However, XXXX is currently threatening to send collections on these fraudulent transactions. 

XXXX was initially helpful and was on my side while I was submitting my claim over the phone. However, after further review, XXXX is now threatening to send collections over transactions I did not make. XXXX claims they were not able to locate evidence of unauthorized access to my XXXX account. I was told to just reach out to the person that sent these transactions on my phone and ask them to send the money back. However, I clearly am not able to do so as I have no idea who this person is or how to contact them. They even went to the extent to change their username on XXXX  after sending the money to their account. 

I am financially responsible, and I have never come across any issues like this before. I have gone to great lengths trying to take action against this act of fraud, but XXXX is still threatening to send me to collections. 

I have attached these files below : -A list of the fraudulent transactions on XXXX ( before and after the username was changed ) -XXXX confirming the transactions were intercepted -A police report
Product: Vehicle loan or lease

I received a collections notice from US Bank on XX/XX/XXXX for end of lease fees owed on a lease that was terminated in XX/XX/XXXX. The fees owed were related to local property taxes for the XX/XX/XXXX - XX/XX/XXXX tax period. The amount was pro-rated, and I checked with the Town to ensure that the tax amount was correct and payment was made by US Bank. However, I continued to receive multiple notices of collections from US Bank and was unable to reach a representative to confirm information upon receipt of the first notice ( lines busy, long hold times ). I paid the amount due, and then received three more collections notices. When I call Customer service, they acknowledge the payment made, but I continue to receive collections notices. 

Again, my lease ended XX/XX/XXXX ( and was not an early termination ). There had been no other contact prior to XX/XX/XXXX. 

Additionally, during the time of my lease with US Bank, I had at least three occasions of payments not pulled according to the automatic payment settings, and at least 2 instances of lack of notification of taxes paid, followed by late payment notifications because my auto pay was not set up to cover the tax amount. the web portal for account information never showed a payment history. I was forced to call each month for an update. When attempting to contact US Bank about this, I was told they were aware of the technical glitch and that it was being addressed.
Product: Credit reporting or other personal consumer reports

To whom this may concern I'm complaining because I went from XXXX at XXXX at XXXX I can't show you none of that because from XXXX and XXXX these accounts was closed and they keep reopen them and I kept disputing they after 30 days they reopened they updated them like I just opened them and these accounts been open ever since XXXX and XXXX long time ago and it's still open up every month I dispute the same thing and here it is XXXX XXXX tell me this is fraudulent at its finest
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 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 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 Any other adverse item of information, other than records of convictions 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

I have submitted several letters to Experian to correct my credit report on all my accounts showing delinquent statuses. I sent letters in XXXX and XX/XX/XXXX also in XX/XX/XXXX. I have asked for proof of the delinquent pays etc of all my past due account if not proof I asked them to correct or delete. Experian has yet to send proof. Once Experian receive my letter in the mail they will start sending emails within in 2 days saying your dispute is complete. How in the world is it complete. You just got the letter. They also deleted one of my XXXX  account. They were suppose to delete all of my XXXX  accounts. Please help me get all of my delinquent accounts update to never late or deleted. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX please remove inaccurate late payment update to paid as agreed XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX XXXX XXXX XXXX, AZ XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX  AZ XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX is reporting three late payments of 30 days. XXXX, XXXX and XXXX This is highly incorrect. 
These payment were paid on time and as scheduled. I reached out to XXXX about this account and they keep telling em to hold and then they send out a letter saying that even though they were wrong, they can't go and change already posted information. 
The account was opened XXXX. XXXX, XXXX. It was an Auto Loan. Reporting XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX inquire should be removed. XXXX. XXXX, XXXX. Reporting XXXX XXXX XXXX should be removed, not my name. XXXX XXXX is my name. Reporting XXXX XXXX XXXX is reporting should be removed. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX is reporting should be removed, my only address is XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX
Product: Debt collection

I noticed recently that i had a {$1200.00} garnishment withdraw from my bank account. I have never received anything in the mail, from the courts, or any phone calls to indicate this old debt. After contacting the creditor listed through XXXX XXXX, I learned that they issued judgement for a Credit Card account opened in XX/XX/XXXX. Upon asking for further information they provided me with : the original household credit card open date, of XX/XX/XXXX said it was charged off XX/XX/XXXX and was simultaneously sold to XXXX XXXX on that same date. And on XX/XX/XXXX it was then sold to Jefferson Capital. I  have asked for information that dates back to the opening of original account. From what I have been informed and also read, it appears that even if this account is mine, the statute of limitations ran out in XX/XX/XXXX. The attorney that I have consulted with is associated with a cost of nearly the cost of the garnishment. So the next most affordable thing instructed to do was to be here, filing a complaint.
Product: Payday loan, title loan, or personal loan

I searched online for a loan a month prior to needing the loan I used an account that I do not have my full paycheck deposited into as I was entering the information online. when it came time to get the loan I went in and reapplied in person I was asked if I wanted to add an account to my contract I said no he then told me they have account information from a online application a month prior I again said no as that isn't even the account I would use when my bill became due they text and it was not what was discussed as I only wanted to make 1 payment a month not 2 the lady was real nice and changed my due date is what she told me I9 made a double payment on the due date we had discussed the following month I again got a text stating my bill was due I again called in and advised I can only do 1 payment a month the man was not as nice I told him I will make a double payment on my second check a few days later I got a over draft from my bank as he put a payment through on a account they should not of had on file and I did not give permission to run I talked to the district manager who has since insured me that the account is now removed but says the only way to recover my nsf fees is walk into the location of the people that she also told me she will reprimand this is causing severe XXXX and my account is getting more and more negative but she wont let me email it to her this is not right when they didn't even have permission in the first place and I called and said no and they just ran it
Product: Money transfer, virtual currency, or money service

My son was scammed by an XXXX XXXX woman, alias XXXX XXXX who represented herself as a Travel Agent with XXXX XXXX XXXX XXXX and sold my son, an airline ticket/hotel accommodations. She was referred by my sons supposedly friend and said she was scammed also. 
Details from my bank statement are below Purchased authorized on XX/XX/XXXX too XXXX XXXX * to XXXX XXXX  XXXX, CA XXXX XX/XX/XXXX XXXX was debited from our joint Wells Fargo checking account with my son. 
XX/XX/XXXX, I filed a claim with Wells Fargo because the purchase was made from my son debited visa card. Wells Fargo advertises Zero Liability Protection if you do not receive a product or service. My claim was denied by Wells Fargo because the transaction went thru XXXX XXXX. I contacted XXXX XXXX and they responded sorry and instructed us to contact their legal department. Their legal department was sent an email todayXXXX. 
I also filed a police report with XXXX  XXXX, Texas Police Dept. The case number is XXXX XXXX, number XXXX After several abortive calls to XXXX XXXX at XXXX I began texting her at XXXX. I texted her to return or refund the money and I received the following text message from her. 
I copied and pasted her text message below : Baby you need to look up your laws with money transfers and thats why the bank wouldnt give it to him due to XXXX XXXX lol yall try to sound so professional and look crazy
Product: Credit reporting

XXXX bill for XXXX This is a medical claim that I have submitted a affadavit to the fact I never received treatment from this doctor and requested documented paperwork showing that it was me, furthermore it was a case of fraud someone using my identity on a 5 year dr bill
Product: Checking or savings account

I used my Ally Bank debit card to book an {$890.00} airline ticket with XXXX XXXX. But then, Coronavirus came, and I tried to call XXXX XXXX to refund this amount, as per the airline 's policy. During this process I fell victim to an online scam : 1 ) I searched XXXX for " XXXX XXXX contact info '' and saw the merchant 's deceptive ad ( screenshot attached ) with a phone number, which I had assumed to be XXXX XXXX ( it wasn't ). 

2 ) Merchant falsely represented themselves as a XXXX XXXX representative, but stated that " computers are down due to call volume due to Coronavirus '' so proceeded to ask me for all my information -- confirmation number, flight number, billing amount. Merchant said that they could then proceed to issue a refund, but would have to charge me a {$160.00} fee. 

3 ) I gave credit card details expecting to pay {$160.00} for a service that would cancel/refund my XXXX XXXX flight. I got a receipt from merchant stating " your flight has been cancelled '' ( screenshot attached ). 

4 ) Flight was not cancelled. I did not get service provided as documented on the receipt. Then realized that Merchant is not XXXX XXXX ... called the real XXXX XXXX who confirmed that this is a scam, and that this 3rd party could not cancel the flight on my behalf. 

5 ) Upon further research I found that merchant is using this same telephone number on a number of fraudulent domains such as " XXXX XXXX contact '', " XXXX XXXX contact '', many of which are based in XXXX ( XXXX ). (  screenshot attached ). 

I believe this to be an online scam where merchant phishes for people thinking they're contacting an airline, takes credit card information, and charges fees for fake service which they don't and can't provide. Merchant lies on the phone and falsely claims to be the airline in question. 

{$160.00} fee was originally billed as " XXXX, VA '' from some virginia address, but when the charge settled it changed to " XXXX XXXX IL '' ( Illinois ).
Product: Student loan

Two or three weeks ago I reached out to my student loan provider to get my Master Promissory Note ( MPN ). I asked for this because I belong to a small group of FFEL loan holders who, for years, have been unable to separate loans from spouses/ex-spouses, consolidate their student loans into direct loans and apply for the Public Student Loan Forgiveness ( PSLF ). 

However, the good news is that Congress recently passed legislation XXXX XXXX XXXX XXXX ) that will enable me to separate my loan from my ex-husband 's loan amount and finally consolidate my student loan into a direct loan to apply for PSLF. 

First, however, I need my MPN to determine which portion is mine. 

I hope that you can help me obtain my MPN from my student loan company.
Product: Credit card

Dear Sir/Madam, I am writing to formally complain about the egregious and retaliatory actions taken by Chase Bank against my account, which have not only caused me undue stress but also financial harm. 
Over the past two years, I have diligently paid off all balances on my account before the due dates, ensuring that I incurred no interest charges. It appears that my responsible financial behavior has led Chase Bank to conclude that they can not profit from my account, which is an absurd reason to target a customer. 
Furthermore, after a dispute where I rightfully contested unauthorized charges, Chase Bank has chosen to mismanage the dispute funds. Instead of resolving the matter in a fair and just manner, they have retaliated by closing my account without proper justification. 
To add insult to injury, Chase Bank is now forcefully demanding that I repay {$700.00}, which is a refund I had already received from a merchant. This demand is not only unreasonable but also constitutes a clear case of double charging. 
I have always valued the principles of fairness and transparency in my banking transactions. However, the actions of Chase Bank have betrayed these values and have left me with no choice but to seek intervention from your esteemed agencies. 
I request that the Consumer Financial Protection Bureau and the XXXX XXXX XXXX investigate this matter thoroughly. I am prepared to provide all necessary documentation and correspondence related to this issue. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

I have mailed letters to The Department Of Education Default Resolutions Center as well as Aidvantage demanding verification of the information they are reporting on their platform. The account does not belong to me and they have not proven it to me. I have given the companies a 30 day response time. 

Regarding two XXXX XXXX accounts disbursed in XXXX, I have no knowledge of these accounts and does not belong to me and have therefore asked for this information to be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

im filing this report against the three major credit bureaus. TransUnion XXXXXXXX XXXX XXXXXXXX have been reporting inaccurate information or my consumer report. I first want to say Ive never given these companies permission to furnish anything on my credit report they art violating my rights and committing Identity theft with these actions. I demand that this account be removed from my consumer report as soon as possible and bh law they have 4 days to remove it. once removed i would like and updated copy of my credit report be sent to my mailing address. This action has cause complete turmoil  in my livelihood and I am prepared to collect XXXX for each inaccuracy placed upon my report
Product: Credit reporting or other personal consumer reports

Complaint Details : Summary : I am filing this complaint to report violations of the XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX improperly shared my nonpublic personal information ( NPI ), specifically my payment history, with XXXX without my consent and in violation of privacy provisions under the XXXX. XXXX also violated consumer protection laws by accepting and using this unauthorized information. 
Details : XXXX. XXXX of XXXX XXXX : o The information shared includes detailed aspects of my payment history, such as on-time payments, late payments, and missed payments. This constitutes nonpublic personal information ( NPI ) as defined under XXXX XXXX. XXXX, which includes " personally identifiable financial information. '' XXXX. XXXX XXXX : XXXX XXXX XXXX XXXX reported this payment history to XXXX without my explicit consent. This disclosure was made outside the permissible parameters set forth in the GLBA. 
XXXX. Violation of Privacy Standards : o The XXXX XXXX requires financial institutions to protect the confidentiality and security of XXXX and to provide XXXX with privacy notices explaining how their information is collected, used, and shared. XXXX XXXX XXXX failed to provide an adequate privacy notice and did not offer an opt-out option as mandated by the XXXX. XXXX, by accepting and using this information, also failed to ensure compliance with privacy standards. 
XXXX XXXX Laws Violated : XXXX. XXXX XXXX. XXXX ( GLBA ) : Protecting the confidentiality of XXXX. 
XXXX. XXXX XXXX. XXXX ( GLBA ) : Providing privacy notice and opt-out options. 
XXXX. XXXX XXXX. XXXX ( GLBA ) : Initial and annual privacy notices. 
XXXX. XXXX XXXX. XXXX ( FCRA ) : Permissible purposes for consumer reports. 
XXXX. XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) : Prohibiting unfair practices. 
XXXX. XXXX XXXX. XXXX ( Federal Trade Commission XXXX ) : Prohibiting unfair or deceptive acts. 
Calculation of Fines : Each violation incurs a fine of {$1000.00}. With XXXX violations identified for both XXXX XXXX XXXX and XXXX, the total fines for each entity would be : XXXX $ XXXX XXXX {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and Transunion twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Product: Credit card or prepaid card

Around XX/XX/XXXX, I opened an American Express Gold Card after being offered a sign-up bonus of XXXX points after spending a minimum of {$4000.00} in 6 months. I exceeded the minimum spending by the end of the 6 months in early XX/XX/XXXX but did not receive the bonus. 

When I contacted Amex through mobile chat to figure out why, I was told that the offer for my account was 3 months, not 6 months, and that there was nothing they could do. 

I called Amex phone support and was told the same thing and, in addition, that after 92 days I was only {$10.00} short of {$4000.00}, which added to my frustration. 

I then reached out to Amex support through XXXX, which led to an online chat with the same response, even though I told them I had written down the terms of the offer when I was approved and had found information on Amexs own website dated XX/XX/XXXX, that said that the promotional offer was 6 months. 

When I was approved for the credit card, Amex did not specify the terms of the promotional offer that applied to my account, and I assumed nothing was amiss because I didnt receive any further information about it. Its frustrating because its my word against theirs and whatever their system coded is considered infallible. 

The same sign-up bonus is being offered to this day. If other people had the same experience as I did, it means that Amex is misleading consumers into opening credit cards by enticing them with a sign-up bonus worth at least {$600.00} and later denying that bonus if they cant satisfy the more restrictive terms. I believe that is unfair.