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

An employee stole a credit card from us and used it for several months, making hundreds of purchases for thousands of dollars... The card was not issued in her name and the personal charges were not authorized. During this timespan, it was discovered that our business card was also fraudulently used for about XXXX charges in XXXX XXXX. These fraud charges were made by making XXXX separate charges, all XXXX fraud charges were made in one day, roughly {$6000.00}. Wells Fargo fraud department did not catch this obvious fraud for the charges made in XXXX, and they also have refused to refund the money, actually they described the charges as authorized... 
After making this discovery of the fraud in XXXX. The employee who was fraudulently misusing the card to make personal charges called Wells Fargo impersonating the card holder of the card she was misusing, and fraudulently persuaded Wells Fargo to send her another card. Wells Fargo issued her a card, that was not in her name, but also they did not even verify if the card they were issuing was for a person employed by my business, which it was not. 
Criminal charges have been filed and the District attorney plans on perusing my case. But Wells fargo has refused to return the fraudulently stolen funds. 

There was another card that was fraudulently used by this person. XXXX has found that the charges are fraudulent and they have returned the stolen money to my business. However, Wells Fargo has refused to return the stolen funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dear XXXX XXXX XXXX XXXX XXXX XXXX am writing to request an immediate update and correction to my account with XXXX XXXX XXXX XXXX XXXX I have received IRS Forms 1099-C and 1099-A, which confirm the discharge of my obligations totaling {$18000.00}. However, my account remains inaccurately reported, as the discharged debt continues to appear on my consumer credit reports, and I am still receiving incorrect billing statements. 
Additionally, I believe that XXXX XXXX XXXX XXXX does not own the debt in question. To verify this, I request a full account ledger detailing my accounts transactions, ownership, and any transfer of rights associated with the account. 
Account Information Borrower Name : XXXX XXXX Total Discharged Amount : {$18000.00} Discharge Evidence : Copy B of 1099-C and 1099-A attached Request for Action XXXX. Account Update : Please update my XXXX XXXX account to reflect the discharge and confirm a {$0.00} balance. 
2. Credit Reporting Adjustment : Notify all credit reporting agencies ( XXXX, Equifax XXXX XXXX XXXX to remove any negative or active entries associated with this XXXX debt. 
XXXX. Cease Billing Statements : Discontinue all billing statements or communications related to this discharged debt.

4. Provide Account Ledger : Supply a complete and accurate ledger for my account, including all transactions and ownership details. 
Supporting Documentation Enclosed with this letter, you will find copies of the following : IRS Form 1099-C ( Cancellation of Debt ) IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ) These documents clearly establish that my obligations have been discharged in compliance with applicable federal and contractual guidelines.

Follow-Up and Contact Please confirm receipt of this request and provide a timeline for resolution. You may contact me directly. 
If this matter is not resolved promptly, I will escalate my concerns to any appropriate regulatory bodies to ensure compliance with federal laws regarding debt discharges and credit reporting. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of the necessary updates and corrections. 
Sincerely, XXXX XXXX Enclosures : Copy of 1099-C Copy of 1099-A Also the collection still being reporting for an auto loan while the auto was repossessed illegally without notice and sold. The amount you sold it for is the amount cleared of the alleged debt! That is also reported illegally and inaccurately.
Product: Debt collection

On XX/XX/2015 I received a phone call from XXXX regarding my monthly payment due to Republic Finance.  I explained to her that I would be in on the XXXX which I always pay at the end of the month.  She called me on XX/XX/2015 again which is a violation of my consumer rights due to the fact that we had discussed the arrangement on the XXXX.  With that being said, her call on the XXXX is considered harassment being that she should not have contacted me again for XXXX hours.
Product: Credit card or prepaid card

HSBC XXXX XXXX XXXX # XXXX My HSBC MasterCard, XXXX XXXX Credit Card and my XXXX Drivers License that were in my travel bag, while I was traveling through XXXX, went missing. As soon as I noticed, I called HSBC, described the situation, and reported my card as stolen. There were also the following unauthorized transactions on my credit card : XX/XX/2021 XXXX  XXXX XXXX XXXX ON {$9100.00} XX/XX/2021 XXXX XXXX # XXXX XXXX ON {$2.00} XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX {$2300.00} XX/XX/2021 XXXX XXXX # XXXX XXXX XXXX {$330.00} It has not even been 5 days since I reported the unauthorized transactions on my credit card, and my claim was apparently denied by the fraud department, since they say PIN was used. My card does not even require PIN for making purchases. It is CHIP and Signature, not CHIP and PIN. The bank apparently is confusing US credit cards with credit cards they may be offering in other countries. It is very obvious they are denying this claim, without even a basic investigation. This is clearly a violation of Reg Z and the truth in lending act. 


First, it is important to note that all of the transaction identified by me as fraudulent/unauthorized are in fact fraudulent/unauthorized. I did not approve the use of my card. I do not know who used my card. I would like to state that I consider this dispute unresolved, and disagree with the bank 's decision. According to Reg Z, my liability is limited for unauthorized charges, when reported promptly. Hence, I will not pay any of the disputed portion of my credit card bill, and in reporting of my balance onto credit bureaus, I, hereby, request that they mention " consumer disputes this account 's information ''. 

Second, according to Reg Z, the bank must provide me with an EXPLANATION that sets forth the REASONS for which they believe these transactions are valid. I have not been provided with any reasonable explanation. 

Third, According to Reg Z, I must be provided with the DOCUMENTARY EVIDENCE used by the bank in reaching their conclusion. Please consider this my notice in writing for these documents to be provided to me. Refusal by the bank and ignoring of my request is a direct violation of Reg Z and the truth in lending act. 

A police report # XXXX has also been filed regarding these transaction with Officer XXXX, Badge # XXXX. 

Given that a police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if HSBC could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. If the bank still decides to deny my claim, please provide me with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and please also provide me with copies of documentary evidence that was used by the bank in determining my indebtedness. 


Thank you for your time and consideration. 

Sincerely, -XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Transunion is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 6XXXX ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX Opened : XX/XX/2019 Balance : {$510.00}
Product: Mortgage

I have been asked to submit the same loan modification paperwork on three separate dates with XX/XX/2019 being the last date to Bayview Loan Servicing Company.

I am scheduled to go to foreclosure court on Wednesday XX/XX/2019.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights XXXX Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. Upon checking my credit report, I noticed some personal information that does not belong to me. I have already sent a letter addressing this issue. However, to this day, which is over 30 days later, I have not received a response. I feel like I'm being neglected and taken advantage of. According to Section 611 ( a ), the failure to investigate these items within 30 days provides a reason to promptly remove them from my credit report.
Product: Mortgage

PNC Mortgage has failed to respond to multiple requests for information regarding a loss claim filed for a roof repaired from hail damage. The initial check was sent from the insurance company to PNC, however, nothing was ever mentioned and the check was deposited into escrow. Additional documents were required to complete the claim and release the funds to the contractor. However, notification was never provided. It should be noted that the funds were sent to PNC in late XXXX XXXX early XXXX XXXX. Notification was not received until the contractor threated to place a lien against my property for failure to receive payment. I have tried on multiple occasions to contact PNC to confirm that all documents have been received and the funds can be released. After waiting on hold for 30 minutes or more on each occasion, an operator would state that all circuits are busy and disconnect the call. The functionally to leave a message is offered every XXXX3 minutes while on hold ; however, when I would press zero to leave a message, the call would remain active and I will remain on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX of this year my XXXX account which is connected to my XXXX XXXX account was hacked and somebody made fraudulent purchases through this account. I had this account set up for autopay and was not aware until later that my autopay payments for my car loan were being rejected. I have been with XXXX XXXX for a year and a half and never have been late. XXXX XXXX apparently were sending out my statements to the wrong address and I wasn't receiving any notice that I was behind. When I did find out what had been going on I contacted XXXX XXXX by phone and immediately paid the balance up to date. They promised on their website to make efforts to contact you if you are behind but they apparently made next to none as they couldn't even get the address correct and were about to put me in collections! 

They then reported me to the credit bureaus for being late after I told them I had been a victim of identity theft. I also wrote them a letter explaining this, submitted proof from my XXXX account and the report that I had filed with the FTC. According to FCRA they are not supposed to report information that is related to fraud, yet they did and rejected this information saying it was still paid late. Duh, yes it was because my accounts had been hacked and you are sending my statements to the wrong address. 

And when I called your representative and gave them my new bank account information they assured me they would put me on auto pay as your website is a confusing nightmare to try and access. They didn't put me on autopay but I did at least this time receive a letter notifying me that again the autopay wasn't working and had to go in and do it myself, getting me stuck with more late charges. And even more annoying I still can't put the account on autopay to have peace of mind with my car payments automatically leaving my account because your website won't let me again. I honestly think this is set up deliberately to make it as confusing and difficult for the consumer as possible in order to slip in a bunch of late charges. I also have " other charges '' on my statements that don't even explain what they are for. So shady. 

I demand that XXXX XXXX remove the late payment off my credit as per the rules of the FCRA - " businesses are not supposed to reporting information about you to consumer reporting agencies if you believe the information is a result of identity theft ''. 
I was, I identified the information and provided the identity theft report. Please remove the late payment from my credit report, AS IT WAS A RESULT OF IDENTITY THEFT! My XXXX was even hacked and I am banned from it as a result of these thieves. 

Thank you, XXXX XXXX
Product: Credit card or prepaid card

This has now happened to me twice and this issue more recently. 

Back in Year XXXX, I was looking to get a credit card for Emergencies ... My mom wasn't doing too well medical wise and was going to have to go out of town a lot to the XXXX XXXX and help out before coming back home to XXXX. My schedule very busy with work, keeping ontop of things or above things. One thing, I wanted a credit card and was looking into originally get a Discover Credit Card. 

I got home, paying bills and paid whatever came in the mail. I was paying on a bill but realized that I never received a card for Discover. 

I spoke to my banker and asked what was best thing for me to do because I did make contact to say it was not to me. He said to contact the XXXX  business and write up as fraud and see what happens. It was shown in fact it was fraud, that came off my name, off my security number, off my records but Discover has not left me alone and now has mailed me an Attorney Referral Pending. 

If I don't get back to them by XX/XX/XXXX. I am not sure what to do anymore and to protect myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked Experian for my credit score. The report states there may not be enough history to create a score so I have a XXXX. I've had an approx. XXXX for the past through XX/XX/XXXX. I went to get a car loan XX/XX/XXXX told there is no credit score on your Experian report. 
I also had a XXXX credit card listed on my credit report disappeared in XXXX. That would not affect a XXXX rating or drop in XXXX. 
Why would I have a credit card if not to build credit. Most if not all banks report credit cards on credit reports. 
Copies of evidence available if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN CREDIT REPORT AGENCY OR FICO 8 WILL NOT GIVE ME A CREDIT SCORE BECAUSE I HAD MY CREDIT COMPROMISE AND SOMEONE WAS USING MY CREDIT TO OPEN XXXX CREDIT CARD ACCOUNTS AND OTHER ACCOUNTS THAT WHERE OPEN. I HAD ALSO ALOT OF INQUIRIES MADE ON MY CREDIT REPORT ILLEGALLY. I HAD TO TRY TO FIX THRU YOU AS YOU CAN SEE PREVIOUSLY. ONCE YOU HELP GET IT FIX, THEY TOLD ME YOU NOW HAVE NO CREDIT SCORE BECAUSE YOU DON'T HAVE ANY FRESH CREDIT. I HAVE PAID OFF A HOME THIS YEAR AND TWO CARS. MY CREDIT SCORE WAS OVER 700 AND THEY ARE UPSET THAT I MADE THEM TAKE OFF ALL MY ILLEGAL INQUIRIES AND OPENED ACCOUNTS THAT I DIDNT MAKE THAT WILL NOT GIVE ME A CREDIT SCORE BECAUSE I TOOK OFF THE XXXX CREDIT CARD THAT WAS ILLEGALLY OBTAINED AND PUT ON MY CREDIT REPORT. THAT XXXX CREDIT CARD WAS PUT ON MY CREDIT REPORT XX/XX/2023. THEY TELL ME BECAUSE MY XXXX XXXX  HAS NOT REPORTED ANYTHING TO THEM IN THE LAST SIX MONTHS THAT THEY HAD TO GIVE ME A NO CREDIT SCORE AND THE TAUNT AND HARASSING ME OVER THE PHONE THAT I CAN'T GET ANYTHING ON CREDIT NOW BECAUSE EVERYONE GOES THRU THEM ( COMPANIES ) TO CHECK PEOPLES CREDIT SCORE FOR ANYTHING. I CALLED FICO 8 AND THEY COULDN'T TELL ME ANYTHING EITHER. I HAD A CREDIT SCORE BEFORE I WAS COMPROMISE AND NOW BECAUSE I TRY TO GET MY CREDIT REPORT FIX, THEY WON'T OR SOMBODY WILL NOT GIVE ME A CREDIT SCORE. I HEARD THAT THEY DROP ME XXXX POINTS FROM XXXX TO XXXX ALL IN ONE MONTH. PLEASE HELP ME FIX THIS PROBLEM BECAUSE THIS IS HARASSMENT AND PUNISHMENT FOR GETTING YOU INVOLVED. THANK YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXL XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date XXXX inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

Over six months ago, I received a request for detailed financial information from Chase Bank, where I have 3 credit card accounts - XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX cards. As one option was to take the information directly to a branch, I did so. I was concerned about someone requesting this detailed personal financial information fraudulently. The bank associate told me he was unfamiliar with this request, and that I should ignore it, as it did not look like a valid request. I did so, and continued to use my credit cards and pay the entire balance off on time as I have done each month for years. Today, XXXX XXXX, XXXX, while attempting an online purchase, I discovered that the bank had closed all three of my accounts without notice because I did not provide this information. My discussion with the bank was useless. I want the fees that I paid to have these credit cards refunded to me, as they have closed my accounts without notice and without valid reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XXXX, 2020, four " Hard Inquiries '' were made on my credit - 3 to Equifax and 1 to  XXXX. I did not authorize any such requests. 

Equifax received Inquiries from - XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX received an inquiry from - XXXX  XXXX I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). 

- I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact all four lenders that made inquiries ( and had no luck getting any real answers or help/guidance ) - I have attempted to contact both Equifax and XXXX ( and had no luck getting any real answers or help/guidance ) - I called the CFPB ( XX/XX/2020 ) and was instructed to contact the FTC ; when I did, their agent told me to file a complaint with the CFPB
Product: Credit card

In late XXXX  2024 I decided to sell some items on the website XXXX. On this website, sellers post photos and descriptions with prices for used clothing or household items. Others can leave messages on the website for the seller, make an offer or buy at the offered price. Shortly after I posted my first few items on XXXX XXXX, 2024, I received a message on the XXXX website that said the person was interested in the item but couldnt see the photos for some reason and asked that email them the photos. 

I emailed them the photos to the address given. The party sent me a link to chat and indicated they were interested in purchasing but said I needed to give my credit card number so they could put the money on my credit card account. They said theyd put a minimal charge on there to verify the card. I thought this sounded strange but having not sold anything on XXXX, I gave them my credit card number. When the American Aadvantage Aviator card company sent me an alert of a charge for {$290.00}, I responded that the purchase was OK. Very quickly the chat went dead and I realized what had happened. 

I notified XXXX right away who asked for the information about the person who emailed me but they said that I shouldnt engage with someone off the website and that they could do nothing to assist me. 

I contacted American Aadvantage Aviator that same day explaining the situation. They said the charge was pending and they couldn't do anything until it was an actual charge, Then XXXX additional charges showed up for a total of {$780.00}. I had several conversations with American Aadvantage Aviator and on XXXX XXXX, 2024XX/XX/year> they sent me a letter denying my claims stating that they did not consider these charges to be fraudulent. They told me I could request the cases be reopened by sending a written Letter of Intent which I submitted via fax on XXXX XXXX, 2024, explaining that though I had authorized the payments, I received nothing from the vendor for the payment. The vendor on the credit card statement was XXXX. If you XXXX this company, it is clear they are a group of internet scammers and that I was defrauded. 

I have only XXXX copy of an email that I can locate from the transaction with the fraudulent party. That is attached. 

American Aadvantage Aviators contract with their credit card customers indicates that they protect consumers against fraud. 

Meet your fraud team When it comes to protecting you from fraud, youre in expert hands with our dedicated, XXXX fraud team. Investing in state-of-the-art technology is at the forefront of our fight against fraudsters, which means we can alert you in less than XXXX seconds if we spot a suspicious transaction on your account. 
As I stated earlier the vendor on the credit card statement was XXXX. If you XXXX this company, it is clear they are a group of internet scammers and Barclays should have known that. 

I was the victim of the fraud and that Aadvantage Aviator should reimburse me for these fraudulent charges. 

In good faith I have been making payments to Barclays so as to not hurt my excellent credit rating. 
Thank you.