23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Claim no : XXXX Account no : XXXX Purchase dates : XXXX {$820.00} XXXX XXXX XXXX XXXX {$60.00} XXXX XXXX {$880.00} XXXX XXXX XXXX
Product: Debt collection

Remex is a fraudulent debt collector. Reported to XXXX XXXX XXXX XXXX for misrepresentation as a debt collector for XXXX XXXXXXXX XXXX XXXX. Other debt XXXX including XXXX XXXX XXXX XXXX took a legal action although told by XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, Fraud XXXX and XXXX XXXX XXXX, Fraud XXXX that this was fraud - account paid in advance when referred and payments not posting to accounts. Criminal investigation launched in 2012 when accounts began to show cybercrimes. Contact XXXX XXXX XXXX, FBI XXXX, United States Attorney General XXXX XXXX, Chief XXXX XXXX, XXXX Police Department regarding this matter. Judgment by XXXX XXXX, XXXX XXXX XXXX also referred for criminal investigation. An additional fraudulent debt collector, XXXX XXXX, is also attempting to collect this debt fraudulently. They are engaged in telephone harassment, too.
Product: Consumer Loan

On XXXX XXXX, XXXX Chase Auto Finance was asked to substantiate a claim for an auto loan on a XXXX XXXX XXXX by providing a true and certified copy of the complete audit trail of the account. A copy of the company 's tax registration certificate was also requested. In response, I was sent a copy of the account statement. I sent another letter on XXXX XXXX, XXXX reiterating the original request and, to date, I have not been given a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter to XXXX, XXXX and Credit Collection Services requesting debt validation and requesting that XXXX and XXXX remove account becuase it didnt contain a status change. The reporting account says collections and has a past due balance which is illegal. XXXX and XXXX never responded within the 30 days and Credit Collections Services responded with a one page letter. I requested orginal contract payment history wet signature and proof of debt assignment and none of those requested items were sent. Also Credit Collections Services is not licensed to operate in the state of Ohio.
Product: Credit reporting or other personal consumer reports

THISS INQUIRIES ISNT MINE. 

XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid the XXXX XXXX XXXX XXXX XXXX  ), the leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off/ no amount owed by me - XX/XX/XXXX : I called XXXX asking for a refund of my XX/XX/XXXX lease payment. In that recorded call, they confirmed again there was no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - Last few days : I have called XXXX repeatedly trying to figure out what is going on and they have extended their resolution timeline from 48 hours to 7-10 business days to 30 days to now " you'll get an update on the status in the next few weeks ''. I also confirmed with XXXX that their system is showing many different possible numbers that I might owe, from {$0.00} to {$17000.00} and none of the # XXXX tie to the {$15000.00} that was reported to the credit agencies. 

This situation is unacceptable. This is a hugely negative impact on my credit on an account that I was repeatedly assured has a {$0.00} balance and I have no visibility on when it will be resolved
Product: Debt collection

They kept sending emails and I called the number. They asked for date of birth. I told them that I closed that account many years ago. It was with XXXX XXXX. They are claiming they are debt collector through XXXX I gave them the account number listed and they kept asking for date of birth to move forward. Then when I gave it to them they did not respond. 
Before calling the number, I checked online to verify if the company is a collection agency and it said it was. That is why I spoke with them to tell them that their information is wrong. 

I have attached below what was included in the email and need to report them as scammers. 


Important This is a communication from a debt collector. This is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. 

Click UNSUBSCRIBE below to unsubscribe from collections emails from Radius on your account ( s ) noted above. 


Thank you, Radius Global Solutions LLC Phone : ( XXXX ) XXXX Office Hours : XXXX - XXXX Mon-Thu ( XXXX ) Office Hours : XXXX - XXXX Fri ( XXXX ) Office Hours : XXXX - XXXX Sat ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended University of XXXX in XXXX and I was also apart of the military as well during that time. XXXX is reporting they disbursed loans to me in XXXX. How is that possible? The loans are false and not mine. They are reporting false information on my XXXX  and Equifax. I have sent identity theft report, method of verification letters, and still they will not comply with any law under the FCRA. This is not a duplicate message. This is factual and at this point I have no idea who to speak to, contact, or how much more proof do you guys need from me. How is a veteran owing student loans? When my whole mission for debt free schooling was to join the XXXX? Below I will prove the company doesn't disclose how they are performing their " research '' or why they are reporting false information. They do not have a physical signed document from me to even validate this debt belongs to me and it does not. So if you can't verify the information and answer the certified letters I have sent to you ; delete this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of Accounts has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX XXXX. account number XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX account number XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  account number XXXX All XXXX XXXX XXXX Accounts XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX 15 USC 1681 Section 602 A. I have the writes to privacy 15 USC 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intructions 15 USC 1681 Section 602c. ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of any other adverse item 15 USC 1681 Section 602 s-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 resonable cause to believe that the information is inaccurate.
Product: Debt collection

This debt {$2500.00} from creditor ( XXXX apartment ) at XX/XX/2021 is not XXXX. 

The rent Fee increase XXXX XXXX without any notice in-advance and Oral agree by Apartment XXXX to Move out before lease contract due date ( XX/XX/2021 ) WITHOUT penalty for break the lease contract. 

Follow the Oral agreement to move out on XX/XX/2021 and walk-through with Manager on XX/XX/2021. 

But XX/XX/2021 XXXX XXXX mail collect letter for {$2500.00} cause by break the lease contract ( move out without XXXX days notice ), and Send to credit bureaus cause credit score drop by XXXX point. 

Feel like a trap or was deceived.
Product: Credit card or prepaid card

At the end of XX/XX/XXXX I was moving from a rental back to my primary residence. I believe during the move one of the movers took my credit card and used it. The dates in question are XXXX for a total of {$4200.00} This illegal activity was discovered on or around XX/XX/XXXX when we called customer service to deactivate the card since it has a XXXX $ fee to it and was meant to be used when we flew XXXX. All fradualant transactions occurred on the authorized card ending in XXXX with the main acct ending in XXXX. A thing to note - since the opening of this account, zero transactions had been made on acct ending in XXXX. 

I received a letter marked XXXX saying " We have completed the investigative process. Our research has indicated that the transaction ( s ) is valid ''. They stated the card had a chip so it was used it person, I asked them to provide evidence that I made these transactions. They could not. 

I have not made any of these transactions. 

I called on XX/XX/XXXX to inform them this is not a dispute as mentioned in their response letter but theft/fraud. Barclays customer service informed me they will look into it, I called back on XX/XX/XXXX and was told since the card has a chip in it that it was a valid transaction and that I had to pay this amount. They also state the burden of proof is on me to prove I did not purchase these items. 

On XX/XX/XXXX I went and filed a police report. 


After disputing it further I was told someone will call me in 10 business days, but I have lost confidence in their customer service.
Product: Credit card

My closed Citibank XXXX XXXX was paid off prior to my booked flight. The day of my cruise my flight got canceled. I asked that my money be refunded to my original form of payment. They stated they couldn't do it and sent me several checks for the XXXX flights. Now they are saying I owe them over {$400.00} and they're destroying my credit. I disputed this and they denied my claim. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting incorrectly on my credit report. It reporting as derogatory information. I have never had a loan with this company, the account is showing I have a missed payment with them and that's not correct. I have attached the receipt. I need XXXX and XXXX you to fix this account asap.
Product: Debt collection

My boyfriend XXXX XXXX opened an XXXX account under my name. I did not know until know Ive never used XXXX and now I have a collection notice
Product: Debt collection

My income tax check was sent to chase bank the received it took there debt an sent me a check with a different amount collecting there debt. Now they want to collect there debt with full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Product: Checking or savings account

I was a XXXX  XXXX  and went on job training. Then my boss tell me to stay home and other team from work told me not to pay me. Later one, I have to face bill which I can not and face another stress with job search. Then I have to face closing down with no reason. It was happen with chase account. Same happen to my other personal account because fraud with someone access online or did something over my account. I got bill from XXXX  and try find a job. A job reduce my hour and determination. I got kick out the home. My bank chase has to force to face down. I can not have job which pay more. Chase bank force me saying i can not being customer with them. A fraud team again me without listing all complain. My network got hacked as well too. The report I had and rejected. It was so weried. My home got fraud and bank as well. I hear someone tired to close down my chase bank. I tired to run away from home. My home got fraud by someone walk in to home.
Product: Credit reporting or other personal consumer reports

Pursuant 15 U.S.C 1681c-2 the request to block and delete the following fraudulent accounts is not made in error. Attached is my identity theft report. 

Delete and block the following fraudulent accounts XXXX XXXX Account XXXX Balance {$2400.00} open XX/XX/XXXX XXXX XXXX XXXX account XXXX balance {$2300.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2400.00} date open XX/XX/XXXX XXXX XXXX XXXX account XXXX Balance {$2300.00} date open XX/XX/XXXX XXXX  XXXX XXXX XXXXXXXX date open XX/XX/XXXX balance {$1000.00}
Product: Money transfer, virtual currency, or money service

My company was acquired by XXXX last year and the relationship with my former XXXX XXXX ( XXXX ) was being terminated this year, forcing me to transfer my XXXX funds. I chose to directly roll the XXXX ( approx $ XXXX ) into my new XXXX XXXX account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. 
I received the paper check, added the necessary rollover paperwork, and mailed it all ( XXXX ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXX, CT. The check was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. 
We submitted a Declaration of Unauthorized Endorsement to XXXX the week of XX/XX/XXXX. I understand their fraud division opened a case with Bank of America the same week. 
I spoke with the police on XX/XX/28 to open a report and filed a complaint with the XXXX the same day. 
XXXX XXXX fraud department is in contact with Bank of America ( not sure which branch was responsible ) yet they are refusing to return my funds despite acknowledging the fraud.
Product: Vehicle loan or lease

Dear Sir/Madam, I am facing financial hardships, and paying off my balance with your lending service is becoming increasingly difficult. I have explored all possible options to pay off my debts, but unfortunately, it has become evident that I can not meet my financial obligations now. 

I am considering filing for bankruptcy as a last resort to manage my financial situation. I understand that there are better situations for both of us. Still, I hope you will understand my predicament and work with me to find a mutually agreeable solution. 

Please suspend any collection activities until I can get my finances back on track. I am committed to working towards a resolution and will keep you informed of any changes in my financial situation. 

Thank you for your understanding and cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I was interested in the B ank of America credit card, and I decided to give their nearest bran ch a call to discuss its details and if I would be approved based on my information. On the phone, I gave the agent  my credit score,   my future salary with an accepted job offer, my current debt from student loans, and any other important information. He told me I should come into the branch to further discuss this. I went into the branch, and I was told that based on that information, I would 100 % be approved for a card that BoA offered. My main concern with applying here was that I could be denied, and I had previously applied for a card and been denied, in part to medical bills that I have since paid off, and I was now in a better position to apply for a credit card with a more favorable credit report. The agent assured me that I would be accepted for a card, and he submitted an application on my behalf, under the assumption that there was no chance I could be denied.     Well, the next da y I went in to the branch, and I was told I was denied. I spoke with the branch  manager,  and I was told that this was not how agents should be dealing clients, and he opened up a claim for me. Less than a week later, I received an email that the claim was closed, and after calling, I was told they closed it and said there is no chance I could have the hard inquiry removed, even though I was misled into applying for this card by the rep that assured me there was no chance for being denied. I am reaching out to the CFPB to see the unethical behavior BoA exhibited with misleading me , and I hope t o have the inquiry removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear breach of FCRA laws, I need the materials deleted from my file as quickly as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX Balance XXXX {$2400.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX TXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$590.00} ; 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: Debt collection

I spoke with XXXX XXXX and last week, he is the manager of the XXXX XXXX at the XXXX XXXX XXXX WI, and XXXX XXXX XXXX WI, Today he told me that he could not find a file on me, I reminded him that I was in the middle of trying to purchase a home, but I couldn't move forward unless the two derogatory marks there company reported to XXXX  were removed, he instructed me to contact XXXX at State Collection Services. I spoke with XXXX, and I also sent him a copy of the 2 derogatory marks that are now in Collections on my XXXX  credit report, I also informed XXXX, that these derogatory marks were disputed before I could dispute them, I told XXXX that I wanted the derogatory marks removed from my credit reports, because I never utilized any of the services from there clients, I also informed him that I am in the middle of purchasing a home, and this error is stressing me out
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX APT XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$230.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CLEAR XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX LAND XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XX/XX/XXXX
Product: Debt collection

I have a derogatory claim on my credit report with XXXX and I would like to know what it is. I have never had any account with XXXX.
Product: Checking or savings account

I have reach out multiple times through phone. I have been treated like if I wasnt a customer from Sofi Bank. Till this day I havent heard from them. I would never bank with them again.
Product: Credit card

A purchase of {$190.00} charged to the card posted on XXXXThe purchase was or a XXXX XXXX XXXX XXXX XXXX  on the XXXX website . The product description was untrue because it said the XXXX could be plugged in to a XXXXXXXX XXXX XXXXXXXX but an electrician I had look at it said it must be hard-wired to the house wiring and would charge {$300.00} for it. The XXXX site said returns were free and when I contacted the 3rd party seller It's easy they wouldn't pay for a return. The XXXX weighs 28 pounds and XXXX said the return would be > {$50.00}. 
I wrote to BMO dispute department twice, first on XX/XX/24 and again on XX/XX/24 as described here. But haven't received any response.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  FIN XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XXXX  XXXX  XX/XX/XXXX
Product: Credit card

I requested why was I charged the interest if I paid the entire statement balance. The total of my statement balance was {$1100.00}. I paid {$900.00} on XX/XX/year> from Capital One Savings XXXX and {$210.00} on XX/XX/year> from XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I was charged {$22.00} on XX/XX/year> and {$26.00} on XX/XX/XXXX, both for interest. I called Capital One on XX/XX/year>, and they said my payment of {$210.00} was returned and said that it was returned because " They couldn't locate my account ''. I verified that I entered my XXXX XXXX XXXX XXXX  XXXX account info correctly multiple times. Capital One refused to credit the interest back to me.