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

I applied for a small business credit card thru Capital One. 
I was emailed by the company requesting documents to verify my SSN and ID. I sent these via a portal. 
I receive a letter saying the documents were not sufficient. 
I called, was told what the prior documents were lacking ; so I uploaded additional documents, with the specified information. 
My application time period was about to expire and I had not received any notifications. I waited 3.5 hrs on the phone waiting to talk to someone. 4 representatives gave me different answers as to what was wrong with my application and I'm still not sure what the actual problem was. However, the 5th representative admitted that I was not sent a notification the second time, to let me know the company still did not think I had submitted adequate documentation. They admitted that without knowing my application was incomplete, my application time would have expired. They RAN MY CREDIT but were not going to let me properly apply for the credit card. They did not say there was any process in place to fix this oversight. 
And, they would not give me another link, thru which to upload additional documents.
Product: Debt collection

In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected.
Product: Checking or savings account

Complaint Against Chase Bank for Fraudulent Mismanagement of Retirement Funds In early XXXX, I entrusted my XXXX  retirement funds, totaling $ XXXX attorney XXXX XXXX XXXX believing she was establishing a secure trust on my behalf. However, XXXX and her associate, XXXX XXXX XXXX ( a disbarred attorney fraudulently using another lawyers name ), misappropriated my funds. 



The check was deposited into an account at Chase Bank, which failed to flag or investigate the suspicious deposit, despite multiple red flags, including XXXX history and the unusual nature of the transaction. Once cleared, the funds were quickly transferred out. Chase Banks lack of oversight directly enabled this fraud.

I later contacted a Chase executive director, who audibly gasped upon reviewing the transaction, acknowledging serious compliance failures. Another Chase banker admitted that legal action would likely succeed due to the banks negligence. 



When I attempted to recover my money, I encountered bounced checks from XXXX, further proving the fraud. Eventually, Chase closed my account, adding insult to injury, rather than assisting in recovering my stolen funds. 



Requested Resolution : 1. A full investigation into Chase Banks failure to prevent this fraudulent transaction. 

2. Restitution of the {$330000.00} that was mismanaged under Chase Banks oversight.

3. Assurance that proper fraud detection measures are enforced to prevent similar cases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report which caused XXXX XXXX XXXX XXXX. According to the Fair Credit Reporting act EXPERIAN, XXXX and XXXX are violating my rights as a federally protected consumer. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy -15 USC 1681b ( 2 ) : states that a consumer reporting agency may not furnish an account without my written or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation that any consumer reporting agency exercises their grave responsibility with fairness, impartiality, and respect for the consumer 's right to privacy. 
Here are the errors as follows : XXXXXXXX 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, credit repair services, or other personal consumer reports

Closed and paid in full by early XX/XX/386 Toyota Financial I have a XXXX account balance and the title of the vehicle they sent after I was paid off at the beginning of the month to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


TransUnion Name : XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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  Name XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to fix the following problems with the Credit Agencies and sent letters to each company and spoke to them on the phone. 1. XXXX was paid in settlement XX/XX/XXXX Balance ( XXXX ) as of XX/XX/XXXX still being listed in collections, it should have been moved to an account with negative remarks and they are refusing to do so. ( All Three Agencies ) ( XXXX XXXX. ) Want they fined the {$1000.00} and removed. 2. XXXX XXXX XXXX- Paid-In-Full XX/XX/XXXX {$1500.00} still in collections area XXXX, TransUnion , XXXX listing as negative account status of Collection/write-off, Fraud. Paid-In-Full,  Unjustly harming my credit score. Want they fined the {$1000.00} and removed. ( XXXX XXXX. ) 3. XXXX XXXX - Paid in settlement XX/XX/XXXX   {$160.00} Account listed still as Collections/ write-off, There is no collections when account was paid in settlement. I agree that the status can be paid/write-off or paid/closed and the account activity or comments field be utilized to state that the account was a collections/ write-off paid in settlement leaving balance {$150.00}. " I have return receipt of letter sent to all listed above all claim they have done their part and blame credit agencies. I have even offered to pay the remaining written-off amount if they would take care of these errors all have said no. '' XXXX told me to pay them and XXXX  would remove collection effort, lie, I have email from XXXX telling they wo n't remove it from collection it a trademark!
Product: Credit reporting or other personal consumer reports

I have some accounts on my file that are not accurate. I do not have any balances or business with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX . I HAVE FILED A COMPLIANT WITH CFPB and the FTC.
Product: Credit reporting or other personal consumer reports

Upon obtaining a copy of my credit report, I was alarmed to discover inaccuracies with my personal information. I noticed additional names and addresses listed that are inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XX/XX/XXXX and XX/XX/2021 someone applied For Loans in My Name Without my consent I Contacted The police but because they were only inquiries they stated that they couldnt do anything for me to contact the credit Bureaus to dispute i called the bureaus place a freeze on my report and fraud alert to stop it from happening again. The bureaus told me to come to this site to get a report so they can resolve the issue So now im here hoping you guys could help me!
Product: Checking or savings account

On XX/XX/XXXX  two transactions {$1000.00} and {$500.00} was debited against my checking account using myXX/XX/XXXX account and sent to two XX/XX/XXXX merchants : ( XXXX XXXX*XXXX, recipient email address : XXXX ) & "XX/XX/XXXX). I had XX/XX/XXXX loaded on my then XXXX XXXX XX/XX/XXXXand it was linked to my Regions debit card on file at the time and in my dispute with my bank I explained that my XXXX XXXX was stolen. As I explained to Regions bank that My XX/XX/XXXX was hacked into using my stolen XXXX XXXX XX/XX/XXXXand transferred funds to the above mentioned XX/XX/XXXX merchants unauthorized by me. To further explain, on XXXX XXXX my purse containing Region debit cards, XXXX XXXX card & other Bank debit cards, cell phone XXXX XXXX, other credit cards along with my XX/XX/XXXX XXXX XXXX was stolen XX/XX/. I had to get a new phone on XX/XX/XXXX, an XX/XX/XXXX XXXX due to my XX/XX/XXXXXXXX plus was stolen. Also on XX/XX/, I received a Text message from Regions Bank stating '' asking if I authorize " XX/XX/XXXXw/ Regions Debit Card #??? & I responded in text stating " NO '' and with all that they still say I authorized these transactions. 
On XX/XX/2022 the XXXX police department was dispatched & upon arrival on scene, a police report was filled, report # XXXX, XXXX XXXX XXXX was assigned to case. On Saturday XXXX XXXX, I went early to local Regions bank & spoke to bank representative explaining my situation of checks, debit, Visa cards being stolen and she started the process of closing my then checking account and opened a new checking account and issued me a new regions debit card. I have disputed these transactions XXXX XXXX  thru the XXXX XXXX department and stated that I did not authorize these two transactions of {$1000.00} & {$500.00} and I am not satisfied with their resolution of stating " Our review found that the transactions appears to have been authorized. '' I have several supporting documents to provide to support his claim.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Mortgage

I feel like I have been scammed by XXXX/XXXX XXXX XXXX with a second mortgage that I took out of on my home. I closed on a loan in XX/XX/XXXX for {$90000.00} with an interest rate of 9.875 for a 15 year term. Subsequently, XXXX XXXX XXXX sold the loan to Mr Cooper. My current balance after 12 year is approx {$79000.00}. I examined this balance a bit more closely because I was expecting to have paid off much more after 12 years. I then projected forward to XX/XX/XXXX which is 3 years away and it then dawned on me that there is no way that I will pay off the loan at the maturity date. I called a customer representative at Mr Cooper to explain to me why the balance has not gone down after so many years. Then she explains to what the loan is " ballon '' and goes on to explain that after my payment terms are completed in XX/XX/XXXX that I will have a balance that will be due at maturity. At the rate which the principal is being paid. I project that i will have over {$65000.00} due immediately. She then went on to tell me that if I can not pay the balance at maturity date that my home could go into Foreclosure. After completely understanding my predicamemt. I can not explain how much a scam this is. I went to a reputable bank to get a loan expecting that I will be treated fairly and trusted the process. After 12 years I am finding out how bad this product is and feel so defrauded by a reputable bank
Product: Debt collection

Apparently, XXXX sold this alleged debt to Radius on XX/XX/XXXX, I searched my email under " Radius '' and found an email from XXXX  in my spam folder that they sold debt ( email included ) to Radius. However, no email from Radius or anything via USPS about this alleged debt. Checked my XXXX credit report over weekend and found out this alleged debt was added to my credit report without my knowledge on XX/XX/XXXX. How could there have been adequate notice from Radius if XXXX sent email on XX/XX/XXXX and Radius added this debt on XX/XX/XXXX? Shouldn't I have received Notice from Radius in between those 30 days? I did not by email or USPS! I sent Radius a message on there site about this debt they added on XXXX ( screenshot included ) I also disputed with XXXX Saturday.
Product: Credit card or prepaid card

Prosper Credit. I had a Prosper Credit Card. Admittedly, the account went late by a couple months. However, they closed the account and locked me out of their system. I tried to make payments four different times by phone. They claimed they couldn't find me in their system without my account number. The account was closed in XXXX. It is now XXXX and I have tried unsuccessfully to make a payment every month since XXXX. They would not or could not allow me to make a payment. Their collection people called me today and asked if I'd like to make a payment over the phone... with 4 months of late fees and over limit charges added on ... .as well as continuous negative reporting on my credit report. I'm furious that this is allowed to exist. They should be fined into oblivion. My credit is RUINED because of their inability to funcion
Product: Vehicle loan or lease

I am writing to formally report fraud committed by XXXX XXXX  and Capital One Auto Finance in relation to an auto loan contract I signed on [ XX/XX/year> ]. I believe that Capital One intentionally misrepresented key details of the loan and provided inaccurate disclosures, resulting in financial harm. 

Complaint Details : Company : Capital One Auto Finance Account Number : [ XXXX ] Fraudulent Activities : Providing inaccurate loan terms, including misstating the interest rate and finance charges Misleading information about repayment terms Manipulating my credit information or falsifying documents Impact : This fraud has led to significant financial loss, high interest charges, and emotional distress. 

I kindly request the CFPB, XXXX, FTC to investigate Capital One Auto Finance for fraudulent practices and take appropriate legal action to protect consumers from further harm. 

Thank you for your attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my Transunion credit report, My mortgage account serviced by XXXX shows the last credit update/activity reported was in XX/XX/XXXX. While the status is " OK '', none of my payments after XX/XX/XXXX are reflected on my report. 

Of note : The account was placed under Chapter XXXX bankruptcy on XX/XX/XXXX and discharged on XX/XX/XXXX. None of my post-bankruptcy discharge payments are reflected on my Transunion credit report. 

Transunion claims they have not received any information on this account since XX/XX/XXXX, and XXXX claims the 'account is reported per the contractual status after the completion of the discharge as per the bulye report. ' As they each blame the other party, I can not determine where the true problem exists.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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 personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXXXXXX  with a balance of {$21000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

cra inaccurate information sent ftc and all police report to all 3 major company
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason. 

XXXX {$43.00} XXXX XXXX XXXX XXXX {$510.00} XXXX XXXX {$190.00} XXXX XXXX XXXX XXXX XXXXXXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX {$300.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had an account with Fortiva, which is the company that I pay for my home security equipment. They opened a credit card in my name without my permission, saying they had sent me a notice on XX/XX/XXXX that I had 45 days to opt out of this credit card. I didn't receive this notice, but it's an extremely deceptive business practice! I searched through junk mail and my focused inbox and there was NOT an email from them. I called them and this was their explanation. I told them to cancel this card IMMEDIATELY, which they said they did. Because they opened this credit card ( without my knowledge ) my XXXX credit score went down. I told them to rectify this with the credit bureaus, but they refused. This is outrageous! I did file a dispute with the XXXX credit bureaus, but my score didn't increase. I have worked so hard for years to get my score past XXXX and this SCAM greatly affected my score. I contacted them on XX/XX/XXXX. Below is their response : *************************************************************************************************** Dear XXXX XXXX, Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that your Fortiva XXXX XXXX XXXX XXXX account was upgraded to Fortiva XXXX XXXX account since your Fortiva retail account was in good standing. Please be advised that the change in terms email was sent to you on XX/XX/2023 and you had an opt-out option of 45 days if you had wished to reject these changes. Since the opt-out option was expired, your Fortiva retail account was systematically converted to Fortiva XXXX XXXX account and your previous balance was transferred as well. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting Fortiva Customer Service. 

Please note information you send to us contained within or attached to an email is not secure until it reaches our servers. 
*************************************************************************************************** THIS IS FRAUD!!!!! I believe I was targeted as a single, older female.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX of Bitcoin Scammers and Crypto Ideology ( the Fraudsters or Scammer ) with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 
It should be noted that the Scammer is a client of yours, owner of a wallet committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my wallet in the total amount of XXXX6 BTC utilizing Kraken services