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

I was threatened by a scammer who impersonate themselves as police and investigator. They threatened my bank account is being used for this highly vicious scam work and looking to arrest me for a fraud activity. They said they need me to proove that Im not associated with this. They threatened me to cooperate and went through all this interviews, they assigned a lawyer for me, they started three people call to investigate whether Im involved or not. After that, they said Im clear and need my cooperation. They went though all action items I must take and one of them was to put/wire my money to safe place. However, this police activity is being investigated under high confidential unit, I can not reveal this situation to anyone even with my family and they advice me to transfer money to an account information they shared which belongs to governement ( hence safe ). I went to Bank of America and followed their instruction and sent them.

I realized it was all scam after 3 hours or so and called Bank of America. Ive filled out and signed both document they provided to proceed the fraud claim. I also went to police next day to file the case. They said investigation will take about 70days and came back they couldnt resolve it. Im also attaching document I signed for Bank of America ( scame victim acknowledgement, fraud statement of claimant, and supporting material during I was on a call with scammer to visually present how they appeared on my phone and what kinds of documentation they sent me. 

Bank of America Case Number : Fraud claims XXXX Scammed on XX/XX/2021 Filled XX/XX/2021 Investigated started : XX/XX/2021 Total amount of money scammed : {$26000.00} 1. Scam Victim Acknowledgement Signed 2. Fraud Statement of Claimant Filled out Signed Also includes : Detailed explanation of circumstance & Police Report & Receipt of wire transfer 3. Supporting Materials for claim Additional supporting material to backup my circumstance.
Product: Credit reporting or other personal consumer reports

Discovering unexplained inquiries on my credit report today left me extremely upset. It wasnt a browser issue, as refreshing didnt help. I urge you to carefully examine my submitted documents and fix this issue without delay.
Product: Credit reporting or other personal consumer reports

I've requested numerous times to freeze my credit report online and by mail. But yet I'm met with stall tactics asking for my ID and social security number putting my personal information at risk. I'm requesting that all these Consumer to Freeze my personal file. I will not keep submitting information and being told nothing came in the mail. Under the provision of 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These follow Consumer reporting agencies refuse to freeze my personal credit file. 
Advanced Resolution Services , Inc. ( ARS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from my credit monitoring servcie that a new loan inquiry had been made. I reviewed the information and determined that it was a fraudulent loan application and therefore opened a case with the credit monitoring service. A representative from the credit monitoring service called me and we placed a conference call to SoFi Lending who made the credit inquiry. The various representatives and supervisors we spoke were unable to locate the loan appliction using my email address and phone number. Since criminals would likely use their own email address and phone number as to not tip off the person they are trying to scam, they obviously were not able to find any loans using that data. We continually asked if they could look it up using my social security number to which they said they can not. This seem rediculous considering that is the information that was used for them to pull my credit in the first place. Since the loan does not show as being opened at this point it was our hope to be able to stop the loan from being opened and reported on my credit. The representatives from SoFi continually told us that they aren't able to search by social security number so therefore we would simply need to wait for the loan to fund, then file a police report and then dispute it with all of the credit bureaus. It seems that their system is set up to enable fruad instead of stopping it. While I don't know the rationale behind these policies I'm guessing it is financial in some way, shape or form. Why can a company pull my credit using my social security number, but not be able to look up a pending loan application using that same information and prevent fraud from happening. What a terrible company. If criminals are reading this then I'm sure they know that if they want to commit fraud, SoFi is the place to do it.
Product: Checking or savings account

On XX/XX/year> I open a new bank account with Citibank with a cashiers check that was sent to me from XXXX because I pay them with my federal refund to file taxes. I open the account with the cashiers check of XXXX $ which was my federal refund. Citibank close my account and only spent XXXX $ the remaining balance wont be returned to me they are asking for a hold harmless cause they thought its was fraud but I called XXXX XXXX and the sbtpg and said they have talk with Citibank its not a fraud check multiple times. On XX/XX/year> was the last email I got from I Citi bank asking me to get a hold harmless from the XXXX. 
I had provided Citibank with my 1040 federal return since they ask for it my passport driver license in person and even the pay-stub where I received the cashiers check of my federal refund.
Product: Vehicle loan or lease

Reference : XXXX. 

1. It is with the proven fact that Correspondence after correspondence which i send to Ally, are without a correct performance response. 
2. Ally is without the proper verification of accounting to prove the funds for loan agreement XXXX were in fact produced by Ally. 
3. It is my suspicion that this Loan with Ally is an unsecured Loan. 
3.1 Ally had 30 days from the time the loan documents were signed to transfer the securitization of the promissory note into a XXXX trust which would have originated a new owner, which would have sent me in writing further details that there is a new signee in the loan documents pursuant to the Truth In Lending. 
3.2 It is my strong belief the Loan is in default and therefor unsecured and if the Loan is unsecured THERE IS NO DEBT.

4. It is my belief that Ally is with the intent to commit fraud to the IRS by tax evasion.

5. It is my strong belief that i am a 3rd party beneficiary because my proceeds from the note funded the transaction to obtain my car.

6. Pursuant to Title 15 section 1641-ammended public law 111-203 - 15 usc 1640, I have a claim for the recoupment and setoff. 
7. Failure for Ally to come into an agreement with me for the recoupment and setoff of Loan XXXX within the next six ( 6 ) days will result in an IRS/Department of the Treasury criminal investigation procedure which i will fully implement.

Note : 1. Reference attached documents for proof Ally agents are without the proper performing accounting for origin of funds for Loan XXXX which clarify unfair, abusive, and/or deceptive lending and servicing practices. 
2. See attached Judicial notice and Constitution for men/women of this land. 

Sincerely Benefeciary : XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX XXXX XXXX due to an Inaccurate report based on LAW 15 US CODE 1681i ( a ) ( 6 ) ( B ) ( iii ) 15 US CODE 1681 ( 4 ) they have violated so many of my rights. Equifax denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against the company Equifax. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Equifax has not attempted to remove, nor correct any information.
Product: Credit reporting or other personal consumer reports

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.

The following items do not belong to me and is a result of fraud that I did not authorize : 1. 
Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 card

Credit card company stopped sending bills monthly but instead sent bills out sporadically and after payment was due so that we had fees and interest charged on multiple occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking to get pre-approval for home mortgage ( new home ) around XX/XX/2018. After reading a lot of articles online, it was clear to me that when we start looking around for home loans, we will have 30-60 days time and there will only be one hit irrespective how many vendors you check with. But to my surprise, there were 3 hard hits on my credit within a period of 30days. Is there anything that can be done to get those hard inquiries off of my record?

Below are the details of the credit checks. 
Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : XXXX XXXX, XXXX, MD XXXX ( XXXX ) XXXX Date : XX/XX/2018 Institution Information : Credco, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccurate information : XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section 604 15 USC code 1681B. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.
Product: Checking or savings account

Capital one has yet to send me my direct deposit and I need my money I live check to check and this is ruining me and my family, I dont know what to do we need to be compensated for this unreal inconvenience! 
Expected pay Wednesday day XX/XX/XXXX and its XX/XX/XXXX at XXXX in the afternoon with no email as to when there will be a fix or simply my money in my account
Product: Debt collection

This complaint concerns XXXX XXXX. I paid them even when I did not believe I owed them any money. I even received an e-mail saying my account was paid. When I called them about the collection. They told me it was a $XXXX late fee the computer generated. They did not bill me until the fee had increased. Each time I called them they said they would take care of it. That was false as is this collection.They manage their billing system very carelessly. This has been removed from XXXX XXXX and XXXX. I need it removed from XXXX. Sincerely,XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately.
Product: Debt collection

We have sold our house. The Escrow company has been paid. They closed and recorded all appropriate documents per docs. sent to me and my spouse. Since closing on and settlement date of XX/XX/18, the Escrow company has been holding the amount of XXXX for a debt they can not prove. We have tried repeatedly to find out what this supposed debt is as we have never re moved a bill or statement of any debt to any debtor for this amount. Today, the response from escrow was to hang up on me. In returning the call, I was given to someone that told me " upper management will call you when she arrives at XXXX. PST.
Product: Credit reporting or other personal consumer reports

hello, I'm reporting on my XXXX XXXX accounts. Historically I've only have had XXXX XXXX XXXX accounts ( a XXXX, XXXX and XXXX accounts ( their coloring system ). 
in recent years I've had to go into defaulting on my credit cards, all of them in my history. 
I've been trying to pay back on my accounts this past year or so with the help from the website called XXXX XXXX XXXX ( XXXX ). So as they were looking into collecting my accounts so they can start negotiating with my creditors, they said that they were showing XXXX XXXX Accounts. And I told them that that was incorrect, I only had XXXX accounts with XXXX XXXX. 
So they only kept XXXX accounts and worked on them. 
But about a year later, XXXX XXXX started legal action on me on my American accounts but I thought I was protected by XXXX. After a lot of back and forth I figured out that the XXXX account was the one they put legal action on. And what I had figured out this past XXXX is that XXXX XXXX DUPLICATED XXXX of my XXXX XXXX accounts and that was why it was showing as a fourth account in credit history. 
So this concerns XXXX XXXX account ending in XXXX at about {$11000.00}. so I don't remember the XXXX account ( duplicated account ) account number but it will show the about same dollar amount, close to the $ XXXX. my other American accounts are {$7400.00} and {$5500.00} and those are valid and XXXX are working on them with me. 
Please let me know if this makes sense. if not, please give a reach out to me ( email is best, since I don't like to answer unknown number till I have you in my contact list ) at email of XXXX but if you do have only phone contact initially, my cell is XXXX but please do your best to leave a message so I can return the phone call. thank you.
Product: Payday loan, title loan, or personal loan

Loan Summary ( Loan # : XXXX ) View contract Loan Status Funded Original Loan Principal Amount XXXX Funding Date Tuesday, XX/XX/XXXX Final Due Date Thursday, XX/XX/XXXX Loan Principal Remaining XXXX Total Past Due Balance XXXX Next Payment Due Date Tuesday, XX/XX/XXXX Next Payment Amount XXXX Today I made a payment of {$2000.00} and I was told by the agent that I still needed to pay {$2800.00} to payoff this loan. 

This company is a ripoff. I have already paid over {$6000.00} for a {$3300.00} loan. I would like for the account to be paid in full for the loan principal remaining which is {$1100.00}. Im not paying anything other than that.
Product: Credit card or prepaid card

I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Product: Credit reporting or other personal consumer reports

This account was suppose to be taking care of by the XXXX  XXXX  dont know what hppen i fhink it may have had something to do with the lawsuit againt mohela because of the charge errors from XXXX
Product: Debt collection

This account was previously disputed and removed from my credit report earlier this year by the last collection agency that had this account I was assured by XXXX that this could not be place back on my credit report by any other collection agency. It was sold to this collection agency ( XXXX ) and the dollar amount was changed from {$800.00} to {$800.00} and put back on my credit report. I would like this to be removed in no more then 7 days of receiving this complaint and a new report sent out to my address verifying the removal. XXXX assured me that this would not be allowed to happen and it 's affecting my life due to me being in the middle of purchasing my first home and my credit has dropped by almost a 100 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law in my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has the wrong credit score on my credit report. When I paid down a credit card the balance went down instead of up. XXXX XXXX is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX XXXX. Fraudulent late payments listed on reporting that is inaccurate.and ID theft. Credit is XXXX and XXXX. Multiple accounts.
Product: Credit reporting or other personal consumer reports

I signed up for a subscription online using the company XXXX to pay in monthly installments in XXXX XXXX I did not want or use the product past the promotional period and the original company would not allow a refund. XXXX reported a late payment past 30 days in XX/XX/year> to Experian. When I disputed the inaccurate credit report of 30 days late the company claimed it was accurate but provided no evidence. The line is paid in full. Since XXXX has not proven in writing the late payment the FCRA requires them to remove the reporting.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of significant concern regarding the inaccurate information on my credit report, as reported by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute certain discrepancies, and to date, I have not received a response. I am seeking your assistance in resolving this issue and ensuring that Equifax complies with the Fair Credit Reporting Act ( FCRA ). 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Issue : The reported balance of {$2500.00} is inconsistent with my recollection. I request a revision of the Past Due information, as presenting a Past Due amount for a closed, charged-off account is inaccurate. This discrepancy may have adversely affected my credit score. I urge your agency to mark this account as disputed to prevent further negative impact on my credit score. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1500.00} Issue : This account was never late. Please correct and update this inaccurate information on my credit report. 

Account : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Issue : This account was never late. Please correct and update this inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit identity has been stolen and used. I need to get these accounts fixed and removed from my credit profile.
Product: Credit card or prepaid card

On XX/XX/2023, my Citi Bank credit card ending in XXXX was used in multiple stores, while I was in my home with the credit card in my possession. The purchases add up to about {$500.00}, and the stores/purchases are as follow : XXXX, XXXX : {$200.00} XXXXXXXX XXXX XXXXXXXX : {$70.00} XXXX, XXXX : {$63.00} XXXX  : {$200.00} I have been trying to dispute this charge since XX/XX/2023 with Citi Bank. I have sent evidence to Citi Bank, such as pictures of myself at my home during the time of the purchases, with a time stamp of XXXX. I have sent also sent my work time card with clock my in time of XXXX. I have also filed a police report with the case number of XXXX. Further, it should be noted that my spending pattern on that credit card does not mirror that of these purchases, as this card has been used minimally. I have worked hard to pay off this credit card and I really need help in fighting this dispute.
Product: Debt collection

A bill, which had already been paid in full, was submitted to XXXX. XXXX knows there is not debt.? They have submitted a letter to me that they were submitting a deletion to the credit reporting agencies. That was in XX/XX/2018. This still shows as a collection account on my credit report after more than 4 calls over the last few months.