23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I was looking to purchase a camera on XXXX XXXX. It was listed for {$200.00}. I thought the price was reasonable and since the seller provided multiple pictures of the camera, and even a picture of the serial number upon my request, I thought that the seller was selling a legit camera. The seller then asked me if I can pay with XXXX. Being my first time using XXXX XXXX  and since I used XXXX in the past, I didn't think it was something concerning at first. 

After exchanging basic information such as shipping address and name, I sent {$200.00} to the XXXX  account, with a shipping fee of {$45.00} to the account the seller specified. Immediately, I got a text saying that the XXXX  transaction was " declined '' ( Later I realized that they spoofed a Bank of America no-reply phone number and the transactions were never declined in my bank account. Hence the quotes ). I then tried sending the same amount to another account the seller specified. For some reason, only part of the fees went through and the other part was " declined ''. The seller also tricked me by refunding some fees back, acting like he wasn't scamming me. 

After a series of back and forth transactions, the seller wanted me to transfer through paypal. At this point, I already knew I was scammed. To put it to the test, I intentionally transferred the amount through the seller method in paypal, which had buyer protection ( I got my money back from paypal, but not from XXXX/BoA ). The scammer kept saying that he will refund more money if I give him more which I already knew it was a lie and called him out for that. The seller then got very furious and we got into a heated conversation which further verifies that he is actually scamming me. In total, I was scammed {$530.00}. 

That afternoon, I called Bank of America immediately and described my situation. They filed my case and told me to wait for the results. On XX/XX/2022, I got a letter saying that they were unable to approve my recent claim and I had to wait another 45 days if they have any additional information ( document linked down below ). I tried going to the nearest BoA and was told that they weren't able to help me since it's a XXXX issue. I also tried calling the phone number on the claim and every time I was transferred with no one on the other line. Despite my efforts in trying to receive my money, I wasn't able to get a hold of anyone from BoA that can assist me with my claim. 

**The scammer changed their name and tried to hide their tracks by removing the chat logs, but I have it downloaded before it was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX has violated my rights. 

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 a account without my written instructions.
Product: Credit card or prepaid card

Today  ( XX/XX/2021 ) at XXXX XXXX I received a call from Chase stating that due to my on-time payments, I was chosen as a customer to lower my Interest rate. I was asked my credit card number and expiration date, name, date of birth, and mailing address. As they informed me of my recent payments and current credit card balance, I assumed they were legit. I continued on call until they forwarded me to a XXXX representative called XXXX XXXX who stated that because they were the back for my credit cards, they would be able to lower my interest rates. They asked for my last four SSN digits and my moms last name. I dont know why I gave it to them, but I did not finish the transaction and gave them the excuse to call later. I immediately called all my credit cards and asked to receive new ones with new numbers. After this, I received phone calls from other suspicious numbers. The phone numbers I received today are : XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I never opened this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against Experian on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation I am writing to dispute the following information that appears on my Experian report from XX/XX/XXXX : XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$100.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$70.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$180.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXXXXXX Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$110.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$440.00}. 
I am a victim of identity theft and I never opened this account. 
XXXX XXXX  Unsecured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$58.00}. 
I am a victim of identity theft and I never opened this account.
Product: Credit reporting 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. The last letter I sent to the 3 credit bureaus was dated XX/XX/year> but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 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: Credit card

Subject : Dispute with Fidelity over Unauthorized Charge and Provisional Credit Today, XX/XX/year>, I contacted Fidelity for the third time regarding an unresolved dispute over a recent purchase. 

I attempted to purchase storage shelves from a company called XXXX. However, the company failed to deliver the items, and XXXX  tracking details indicated that the items were being sent back to the sender. The tracking numbers clearly show the images of what was purchased and the tracking numbers for each item show " failed delivery '' as well as information that the items were signed for and delivered to an address in XXXX, NJ, while I reside at XXXX XXXX XXXX, XXXX, Virginia. This is where the items were to be sent. 

After I realized that they reversed the provisional credit, I received a letter stating that unless I provide details of the items, the credit would not be reinstated. I complied with this request and submitted detailed tracking information from XXXX by their deadline of XX/XX/year>, clearly showing that the items were not delivered to my address. 

Despite providing clear documentation, Fidelity is still requesting additional ( the same information I already gave them ) even though the proof I submitted is evident and verifiable. Fidelity has the ability to verify the tracking information directly through the XXXX website using the provided tracking numbers. 

I am seeking your assistance to take action against Fidelity to resolve this issue. Specifically, I request that the approximate {$1300.00} charge be credited back to my account. This unresolved dispute has caused me significant inconvenience, and I had to purchase the storage shelves from XXXX XXXX, incurring additional costs. 

My account number with Fidelity ends in XXXX. I appreciate your attention to this matter and look forward to a swift resolution. 

Thank you for your assistance.
Product: Debt collection

The account was opened in XX/XX/year>. I have never received written notification of debt as legally required under the FCRA
Product: Mortgage

I called on XX/XX/XXXX as I had a question on my mortgage. When verify my identity they asked for my mailing address I gave XXXX XXXX XXXX XXXX XXXX, MN. XXXX. They said we have a different mailing address I said I have never changed my mailing address. They said they received the change of address via USPS XXXX XXXX XXXX. This address change was changed by Chase on XX/XX/XXXX. They have sent mail to the address of XXXX XXXX XXXX XXXX XXXX, MN. XXXX. I reached out to the USPS and after several calls I requested in writing that the USPS did not have any change of address for me & he checked with XXXX & they have no record of any address change. I demanded that Chase send me a copy of the address change they received. They stated they can't do to other addresses. I stated black out the other address 3with only my address showing. They said they can't send per Management @ Executive office Chase XXXX XXXX. I asked if he contacted the person my my e-mail I received from USPS ( see below ). XXXX indicated he checked with their contact with USPS. Chase has compromised my identity. They have offered me free credit monitoring ( which is the least they can do ). Since they refuse to send me the documentation of their receipt of address change. It also took them 2 weeks to even change the mailing address back to XXXX XXXX XXXX XXXX XXXX, MN. XXXX. This has caused me undo anxiety, major stress and they told me they could not provide me compensation for their error. I am requesting your assistance in this matter. 

Change of address XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XXXX   To XXXX Quick reply allReplyForwardDelete XXXX XXXX XXXX XXXX XXXX . XXXX XXXX, MN XXXX Dear XXXX, As I stated in the voicemail I left for you on XX/XX/18, I have searched our change of address system and there is no change of address for you out of XXXX. I also checked to see if there a change for you going into XXXX, which there was not. 

I also called the XXXX XXXX phone number to see if they have any record of that either, which they do not. XXXX XXXX is XXXX XXXX XXXX  XXXX data base that businesses use to be notified of changes of address. Since they do not have anything, I cant explain where your mortgage company got this information. 

If you have any other questions, feel free to give me a call. 

XXXX Consumer Affairs Associate XXXX
Product: Debt collection

I noticed this collection under the credit bureau today XX/XX/year>. I called them and they said that they have a validation of debt although I've never had an account with the Creditor. When asked for proof they said that they would not provide it unless I hired a lawyer so I called the name of the original creditor who said I have never been a customer and after looking this company up that claims the account was sold to them it looks like they are a fraudulent company. I am not the only victim of this company. I called them back and let them know I was never a customer if the original creditors that they said I was and the guy proceeded to tell me that he was going to find my house and Burn It Down and then that would be the only time my collection would be paid. I don't know what to do at this point but they have ruined my XXXX XXXX and I'm not sure how they are able to continue doing this to people. I hope this is resolved
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, MS XXXX Date of Birth : XX/XX/XXXX Equifax P.O XXXX XXXX, GA XXXX Dear Equifax Team, My First & Last name are as follows : XXXX XXXX XXXX. 

My Current Street Address are as follows:XXXX XXXXXXXX XXXXXXXX XXXX XXXX, MS XXXX After reviewing my credit report, I have found inaccurate names and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations, and I demand, as my lawful right for any names and addresses other than what I have listed above and below be removed immediately as they are not accurate and untrue. 

**Incorrect Names : ** The report includes an incorrect names of : XXXX XXXX XXXX Please delete and remove these incorrect names : My First & Last name are as follows : XXXX XXXX XXXX **Incorrect Address : ** The report includes an incorrect address of : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX The addresses listed above I have not resided in. My Current Street Address are as follows:XXXX XXXX XXXX XXXX XXXX, MS XXXX These names and addresses has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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. 16815-2 ( AX1 ) 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.

I request that you investigate these discrepancies and update my credit report with accurate information as soon as possible. Enclosed are copies of documents verifying my correct name and current address : Please send me a copy of my updated credit report once the corrections have been made.

I appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Fraudulent Activity on HyperWallet Account XX/XX/scrub> 2025 On XX/XX/year>2025, I noticed that I had not yet received a payment due to me from XXXX XXXX XXXX which was being processed through HyperWallet. After logging into my HyperWallet account to check on the payment, I discovered that my bank account information, along with some personal details, including my phone number, had been changed to an account that is NOT mine. 

I bank with XXXX XXXX  XXXX, but the payment, amounting to {$3700.00}, had been redirected to a XXXX account with the routing number XXXX and a checking account ending in XXXX. The payment was cashed out to this fraudulent account. 

There are two major problems here. The first is that a hacker gained access to my account and stole money that I rely on as a teacher. The second is that HyperWallet, despite acknowledging the theft, has refused to reimburse me for the lost funds. HyperWallet offers no reasonable account protection beyond a password there is no two-factor authentication or any other security measures in place to safeguard accounts from such breaches.

I immediately contacted both XXXX XXXX XXXX and HyperWallet to report the issue. HyperWallet conducted an investigation and confirmed that the payment was indeed stolen, but they informed me that they would NOT be replacing the funds. 

As a result, I have reported the incident to my local police and will be seeking legal advice from an attorney who specializes in online fraud and theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter to the credit bureau on ( XX/XX/2022 ). I told the credit bureau to investigate every piece of information on the accounts I have listed below. 

Account Name : 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 According to the FRCA THE TERM Investigation consumer report means a consumer report or portion thereof in which information on a consumers character. General reputation, Personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer report on or with others with whom he is acquainted or who may have knowledge concerning any such item of information.

They state my account was verified behind the possible, if they didnt do the proper investigation according to the law. Also I have a piece of information on these accounts are still not report on 100 % accurate. And According to the FRCA 15 USC 1681 everything has to be 100 % accurate. I also have the credit report.
Product: Credit card

Someone is trying to open a Best Buy credit card under my name. Theyve also tried to open a XXXX XXXX credit card under my name.
Product: Checking or savings account

I opened an account with my irs checks on XX/XX/2021, next day was close with out giving me statement, my checks where send to the fraud department at suntrust bank at XXXXXXXX XXXX XXXX XXXX florida, XXXX the bank have not return my money or my checks they close my account.
Product: Debt collection

Credit use was accessed thru someone that i lived with. This XXXX Bank credit card use was fraudulent ( not authorized by myself ).
Product: Credit reporting or other personal consumer reports

I am disputing a late payment entry that has been reported by Experian on my credit report. This late payment was reported by XXXX XXXX XXXX  XXXX XXXX I pulled my credit reports and noticed a late payment flag. 

I have not been late on my payments for this account for XX/XX/year>. The reported late payment is inaccurate and is negatively affecting my creditworthiness! 

I have already sent a dispute letter to Experian and XXXX XXXX, but I have not received a satisfactory resolution. I believe that the credit reporting agencies and XXXX XXXX are violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I request that the CFPB investigate this matter and take appropriate action to correct the inaccurate information on my credit report. 

Please find attached copies of my dispute letters to Experian and XXXX XXXX, as well as any relevant documentation supporting my claim. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/2023 ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment information on my XXXX XXXX XXXX  is not being recorded by TransUnion as it is correctly reported on XXXX. I have contacted XXXX XXXX and they have reviewed and confirmed that the information has been given to TransUnion as it was with the other three agencies. I disputed this with TransUnion and they are saying XXXX XXXX is not reporting the information. For some reason XXXX XXXX information is accurate at XXXX  and it was correct last month at TransUnion so why did it change to the wrong data? I have attached my TransUnion last month, TransUnion this month, and XXXX  payment logs for proof of what I am saying is the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 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 The accounts below are fraud accounts that are added to my credit report and needvto be removed. 

XXXX XXXX XXXX ACCT # XXXX ) - XXXX ( Fraud/Theft ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION ( Fraud/Theft )
Product: Checking or savings account

I walked inside the bank like 3 years ago to open a account and I was denied because of fraud done by some lady open a account with my information and every bank I go to I am denied a account this is unfair because of someone's actions not mine I need this resolved it's been 4 years and I haven't never had a bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

They say I owe XXXX dollars and which I dont Experian keeping it on my credit report and its going down XXXX XXXXXXXX took it off my credit report I have no idea why they keep making my score go down someone opened an account under my name from green dot I closed the account and they marked it as fraud this is hindering me from getting a new car
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. 
For both open and closed accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a package to Experian notifying them of an issue on my credit report showing 3 ( 30-Day Late ) payments on my current account with XXXX XXXX which is inaccurate. I sent a full package including my bank statements as proof of the inaccuracy. In turn, I was informed by the Bureau that this information I sent was invalid and the lates would remain. I then contacted XXXX XXXX and the Accounting Rep XXXX, told me to contact Experian. I explained to the Rep that I did and was unsuccessful. He stated there was nothing he could do to rectify the issue and the system inputs the late payments.