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

I NOTICED A CHARGE OFF ACCOUNT WITH XXXX XXXX XXXX THAT I DIDNT OPEN ON MY CREDIT REPORT. IT IS A FRAUDULENT ACCOUNT. IVE CALLED XXXX XXXX  AND HAVE SPOKEN WITH MANY SUPERVISOR AND HAVE EXPLAINED TO ALL OF THEM THAT I DIDNT APPLY NOR OBTAIN A AUTO LOAN WITH XXXX XXXX. IVE EXPLAINED TO THEM THAT MY IDENTIFY WAS STOLEN A ALMOST 2 WHOLE YEAR BEFORE THIS CAR WAS PURCHASED AND EVEN EMAILED AND FAXED OVER THE POLICE REPORT TO VALIDATE MY STATEMENT.THEY IMMEDIATELY APOLOGIZED AN SAID HOWEVER SINCE THE DEBT WAS SOLD TO XXXX XXXX XXXX THAT I WOULD NEED TO CONTACT THEM .XXXX   DISREGARDED MY CONCERN AND SAID I STILL WOULD HAVE TO PAY THIS AUTO LAON THAT I DIDNT SIGN UP FOR NOR AUTHORIZED TO BE IN MY NAME. I THEN CALLED XXXX XXXX  BACK AND THEY SAID THEY WONT REMOVE IT AND THAT I NEEDED TO PAY TO HAVE IT REMOVED. THAT IS AGAINST THE LAW AND THIS ACCOUNT WILL BE REMOVED. I DIDNT OPEN THIS ACCOUNT, IT IS FRAUDULENT AND I NEED IT REMOVED FROM ALL THREE OF MY CREDIT REPORTS AND RECEIVED ALL OF THE POINTS BACK THAT I LOST FROM THIS FRAUDULENT AUTO LOAN ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I previously had this fraudulent debt from XXXX XXXX removed by the collection agency, XXXX in XXXX of XXXX. Now another debt collector has unlawfully placed the debt in my credit report. The medical debt is the result of identity theft. Identity theft report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit bureaus are reporting inaccurate information on my credit file. I have submitted physical letters to them and they simply ignore my request so I am forced to file this complaint to the CFPB and will be filing a complaint with the state attorney generals office if this does not get resolved. 

The following accounts are being reported and are not validated or verified per the FCRA. I have asked for the original source document and they are refusing to comply with my request. 

1. XXXX XXXX. They are only reporting a portion of the account number XXXX this is a metro 10 compliance issue. The account can not be verified and therefore I am asking that it be removed from my credit reports. 

2. XXXX. Partial Account number of XXXX. This is a Metro 10 Compliance issue, can not verify with XXXX and XXXX has no record of this saying I was late with my payment. Update and remove the late payment status. 

3. XXXX XXXX partial account number XXXX Says it is a collection account for XXXX this has not been verified and can not be verified and therefore is a violation of the FCRA section 609 and I requesting that this be removed from my files immediately. 

4. XXXX. Has a collection of XXXX acct XXXX ( partial ) which does not allow me to verify the account. This is a Metro 10 Compliance issue. This also looks to be a health care bill and this is a VIOLATION OF MY HIPAA rights as if I ever did have services rendered to me from XXXX I would have never given them permission to report any portion of my Health Records to the bureaus. I am demanding this be removed based on Incorrect reporting, unverifiable status and a HIPAA violation. 

5. XXXX XXXX : Accounts XXXXXXX, XXXXXXX, and XXXXXXX all metro 10 compliance issues, unverifiable information, does not meet FCRA standards and once again looks to be a medical office reporting. If I did have services rendered I would have never given permission to any health facility to transfer my information to a collection company or to the bureaus. This is a HIPAA Violation and is a against the law.
Product: Debt collection

Berman & Rabin , P.A . is in complete violation the Fair Debt Collection Practices Act ( FDCPA ) under federal law for using abusive, unfair and deceptive business practices against me by harassing me by phone, text, email and U.S. mail for a debt collection account and debt thats not my debt. I have never opened up an account or had financial services with XXXX XXXX The debt collection account and debt is not my account or debt. Creditor : XXXX XXXX File Number : XXXX
Product: Credit card

I 've had a Fidelity Investment Reward XXXX XXXX card for several years. XXXX XXXX XXXX was the issuer. When I got the card I set autopay to pay the balance in full each month. This worked perfectly for many years. 

Recently Elan Financial Services acquired the Fidelity line of business. They cancelled my old XXXX XXXX card and issued a new XXXX, which I did n't receive until XXXX due to travel. 

But in XXXX, during the transition, an automatic charge was processed through XXXX. Before the automatic payment was made, the account was converted to XXXX and Elan cancelled existing automatic payments. 

Today I received a phone call saying my account was more than 30 days delinquent. This is the first notification that I owed Elan ANY money. I immediately made payment in full, but Elan had already assessed penalties, interest, and notified the credit bureaus. 

My autopay should have been applied before Elan took over the account, the autopay setup should have continues, or, at minimum, Elan should have notified me within days of missing a payment rather than waiting for more than a month to pass. 

How is it reasonable that I owe late fees, interest, and suffer a derogatory mark on my credit score when I 've never even used an Elan product? That 's right ... I 've never charged anything to their XXXX!
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My wallet, debit card, drivers license, and social security card was stolen on the XX/XX/XXXX. Also I as out of the country on a XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX.  During that time I was not able to use XXXX XXXX to send money from the XXXX, so i authorized my son to do a few transactions for me up until XX/XX/XXXX. I was in The XXXX during the month of XX/XX/XXXX and XX/XX/XXXX as well. The TD bank Manager XXXX of XXXX XXXX, Florida, can attest to this. I had to call him twice from overseas to unblock my debit card. Between XX/XX/XXXX up to XX/XX/XXXX, multiple XXXX XXXX transactions was stolen from my bank account. I gave no one permission to take any money from my account, and the bank keeps denying my claim, stating that all Three debit cards were used to obtain the funds. I contacted XXXX XXXX, and they state only one debit card number was used in this fraudulent action. The bank is stating differently. Also, On XX/XX/XXXX, I reported my debit card stolen once i was in the states. The bank once again are stating regular spending patterns, but this is not the case at all.In all I am owed XXXX. I feel the bank is trying not to pay me due to the large amount. Please help me to recover my stolen funds. I have made 2 claims with TD bank, but they refuse to help me XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am a personal injury attorney in New York with a Law office at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I spend part of the year at my home in XXXX XXXXXXXX XXXX  but all my banking and business dealings are in XXXX XXXX Starting on XXXX XXXX XXXX I started receiving calls and messages as to whether I was making wire transfers. I emphatically said No. The calls and messages were from Citibank. It turns out that my 4 Citibank bank accounts had been hacked and compromised in a very sophisticated scheme. Over the next 3 days these fraudsters wired out over {$650000.00} from all my accounts including my attorney escrow account where I was holding about {$320000.00} of clients money. This was done despite me telling the Citibank rep that I was locked out of my account and had not authorized any bank transfers. It turns out that the regular Citibank customer service number had been spoofed and the calls were diverted to the hackers. After the initial notice of wire transfers that I said were fraudulent, I got no further messages, or texts. Moreover, a Citibank Letter Dated XX/XX/2023 was sent to me indicating that due to " suspicious activity '' they were shutting down the app and access to my accounts ( which I did not have anyway since the fraudsters changed my password and I had no access to the accounts ). To my utter amazement, when I got a print-out of the wire transfers about 12 transfers were sent out from my accounts on XX/XX/XXXX at a time when the accounts were supposed to frozen or blocked. At no time did I ever make any wire transfers or approve any transfers. Every one was a fraud and Citibank made no attempt to stop when it was clearly fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not provide consent for this investigation, and I urgently request that it be terminated and any associated records be promptly deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This old Santander account is still reporting as a charged off account when I paid the debt. It is not updating my information and is reporting incorrectly on XXXX. It is bringing my XXXX score down 100 points compared to the other two credit bureaus. This account needs to update since I paid it back in XXXX 2020. It is still showing up as a charged off account and hasn't updated since XXXX 2020.
Product: Credit reporting or other personal consumer reports

Name : ( XXXX XXXX ), Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), XX/XX/XXXX A false fraudulent business credit card is listed on my personal credit report. 
This CFPB complaint has been filed to request pursuant to FCRA XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) that you, the XXXX 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 Business credit card account opened at XXXX XXXX on XXXX, XXXX under the account number XXXX, 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 XXXX MORTGAGE SERVICES in question and a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US 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 reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt is not mine, and it was originally removed from account and placed back onto my account. Please remove this from my credit report immediately. 

XXXX XXXX XXXX orginally removed from my account and placed back onto my account through a collection
Product: Payday loan, title loan, or personal loan

I had set up payroll allotments ( automatic payments out of paycheck ) which was required by XXXX XXXX to pay the loan. The payments were not applied to the loan in timely matter due to the loan servicer Scratch. There was issue on behalf of the loan servicer applying the payments to the account. There are late payments on my credit report, that I requested be removed. I have still not received the {$95.00} overpayment after my loan was paid off.. The account is paid in full ( see attached letter ) but is still showing a balance on my credit reports.
Product: Money transfer, virtual currency, or money service

Coinbase issued a 1099K to a person, when all the funds were withdrawn into an LLC where the person is not an owner. The LLC paid taxes on the earnings, but does not have the 1099K. I have contacted Coinbase repeatedly over the last 6 months and they have offered zero help or resolution. I have requested they cancel the 1099k issued to the person, and instead, generate one in the name of the LLC that received the funds and paid the taxes on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

URGENT- XXXX XXXX reported 30 day late pay to all credit bureaus and now we are being declined on our home purchase a week before closing. I have contacted XXXX, the Credit Bureaus and sent credit disputes with documentation to get the FALSE reporting removed. This has caused us to lose our home and now car purchase and we are desperate to get help to resolve this quickly. Outlined below are the chain of events leading to the false reporting.

Payments due on the XXXX  of the month XX/XX/XXXX - Payment made- ( XXXX   showing late pay for XX/XX/XXXX )XX/XX/XXXX Vehicle was STOLEN XX/XX/XXXX- Vehicle was declared total loss by insurance and notified XXXX   about the payment and Gap insurance At this time XXXX sent to Total loss department and no longer was able to provide me information online or over the phone about payment status XX/XX/XXXX- Contacted XXXX  to verify insurance payment was made they could not assist because it was already in total loss. I asked if a payment needed to be made so it does not negatively hit my credit because I am in the middle of home purchase. They no longer had payment due showing on their end, BUT I made a payment ANYWAY in the amount of XXXX to be certain this would not affect me. They reassured me the payment would be posted the same day and I would be getting the money mailed back for overpayment after the file was closed.

XX/XX/XXXX- Car Payment cleared from bank ( Transunion showing late pay for XX/XX/XXXX XX/XX/XXXX- Receive a credit notification my credit was negatively hit with a late pay and droped score by over 100 points I have called in tears for weeks and nobody can assit with this, I lost my home and now unable to get a car due to this reporting. I HAVE NEVER BEEN LATE AND SPENT 2 YEARS BUILDING MY CREDIT FOR THE HOME PURCHASE AND NOW MY LIFE IS RUINED, XXXX   reported to XXXX last payment wasXX/XX/XXXX- 30 days late pay for XX/XX/XXXXXXXX  reported to Transunion last payment wasXX/XX/XXXX- 30 day late pay for XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Removal of Fraudulent addresses To Whom It May Concern : On XX/XX/2020 I received a copy of my credit history report from Experian. That report contained incorrect information reported by you. I have addresses listed on my credit report ( s ) that resulted from crimes of identity-theft. Having the following addresses listed on my credit report ( s ) has made it difficult to verify my true identity with creditors. It is a violation of the FCRA to have inaccurate information or reporting information deemed as fraudulent. I also provided a copy of an FTC Report to help substantiate the legitimacy of this dispute. I request that all addresses listed below be remove within 15 days. Failure to comply shall lead to complaint 's being filed with XXXX XXXX XXXX, Consumer Financial Protection Bureau, Federal Reserve, and other advocacy groups. 1. XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX. XXXX XXXX XXXX XXXX, Fl XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Credit card or prepaid card

I sent the following letter on XX/XX/XXXX. On XX/XX/XXXX, I received a response that Capital One could not respond in writing. WHY NOT? I was assigned a case # of XXXX by Capital One in this letter where no questions were anwered. I would like this escalated and for someone from Capital One to actually answer these questions. 

Capital One ATTN : General Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Dear Credit Card Officer : I have repeatedly called your customer service number, and no agent can answer these simple questions. I have a secured credit card with CapitalOne ending in XXXX. My Social Security # for reference is XXXX. 
1 ) A credit line increase was apparently automatically approved after six months of having this secured credit card around XXXX/XX/XX/XXXX. Does another credit line increase automatically come? If so, when? I have applied for credit limit increases and they continue to be denied. 
2 ) How long do I have to have this secured card before it becomes a regular credit card? Does that automatically happen or do I apply for regular credit cards through Capital One and then when I finally get approved for a regular credit card it gets converted? CapitalOne has a deposit of mine from when I first opened this secured card, and I would love to get that deposit returned to me or applied to this card balance, and have the card converted to a regular card. How do we make this happen? 
I would love to discuss these questions with someone who can actually answer these questions, or get a written response with the answers in full. I appreciate having this secured card for over a year, but the lack of ability of your customer service agents to answers these questions has left me frustrated and writing this letter. I can be reached at the above address and phone number. I await your response. 

Very truly yours, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to a text based phishing attempt that eventually ended up with me being defrauded of {$22000.00}. 
The text appeared to be from Chase and involved me replying to the text saying No to a supposed wire transfer attempt. A person claiming to be a Chase XXXX XXXX member called immediately and through the process ( for which there are a lot of details I can provide ), I ended up wiring {$22000.00} to the fraudster and Chase couldnt get the wire recalled. I continued to contact Chase, explaining the reasons why my situation should be investigated, and their canned reply was that I would have to pursue the matter outside of Chase. The recipient bank of the fraudster, XXXX XXXX XXXX wanted a Hold Harmless letter to send the funds back, but Chase XXXX have one. 

Where my complaint comes from : 1. Chase didnt immediately lock my accounts. This has been their normal process and when my mom tried to send me a XXXX payment for {$5000.00} to cover a mortgage payment I could no longer afford due to the fraud, Chase ( her bank, also ) immediately locked her account and declined the transfer until she called them and gave permission. 

2. I received an email that the fraudulent transfer had been initiated, followed by an email that the transfer was canceled. Thats what I would expect. 
However, 2 hours later I received another email saying that the wire transfer had been processed. 

The stated wire transfer recipient is me, but spelled XXXX XXXX. This is due the fraudster manipulating me via phone to submit the wire transfer. The recipient was listed to be me. In the body of this same email, it later says that the recipient is XXXX XXXX. This is due to the recipient field being pre-populated with XXXX recipients via a drop down menu, of which one was XXXX XXXX. I always thought I was wiring myself to recall the transfer. 

XXXX. Ive spoken to so many different Chase reps, XXXX visits to the local bank and via secure messaging with multiple internal teams and my case was closed XX/XX/XXXX with me being out {$22000.00} with no recourse other than to take them to arbitration/sue for negligence. 

Chase not only failed me by their internal processes failing and/or not being followed, but failing to detect what is an obvious breach of my online account. Subsequently, Chase also showed XXXX effort to investigate what actually happened because the transfer was initiated by me, even when I told their wire team exactly what happened. 
They couldnt even provide a letter that possibly would have gotten me my money back