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

On XX/XX/2023, I was working on my computer, it locked up with a notification from XXXX that my computer had been infected with a virus. I was unable to exit out of that page and even tried to shut off my computer. I turned it back, on the page was still there with the Official XXXX logo and a phone # to call. I called XXXX. I spoke with someone who did a variety of things to my computer. Then told me that my XXXX address had been compromised and that someone had compromised my finances. He told me that he was going to connect me on a secure phone line to Wells Fargo. I NEVER told him I banked with Wells Fargo. He told me to tell them that my XXXX address had been compromised and that they needed to put my accounts on a high alert and monitor them for XXXX hours. I asked for his ID # and it was XXXX. 
He then transferred me to XXXX XXXX, ID # XXXX Who identified himself as a Wells Fargo employee. The # on my phone was XXXX, Wells Fargos business customer service #. I have business accounts with them. He said at XXXX there was a charge made of {$25000.00} on my account. And at XXXX the bank called me because of suspicious charges but that the phone call was intercepted and approved by the bad people. He said that we needed to create a duplicate account to catch them when they tried to process the charge. This had to be done within the next 2 hours to make sure it didnt go through. I spent the next 4 hours doing what he told me to do. With him on the phone the entire time I went to 2 different branches and cash checks. Then he had me go to a government ATM and deposit the money. He told me the US Marshall was working with the bank to catch these people. It actually was a Bitcoin ATM which I knew nothing about at that time. During this time, we would get disconnected, he would call me back again showing Wells Fargos #. I have Photos of this. I sent photocopies of the receipts to phone # XXXX. He told me that he would be calling me Monday morning at XXXX to let me know that everything had been handled and not to worry and that I could reach him at any time at the # that I had sent those copies to. That evening, I was telling my daughter all of this, thats when I realized I had been scammed and called the XXXX Police department. Police Report. # XXXX XXXX XXXX XXXX. I have filed a claim with 2 different departments at Wells Fargo. They denied my claims, taking no responsibility for the fact that it was their phone # and supposedly an employee of theirs. I have disputed this to the highest level of authority. I have also filed reports with the Elder Abuse Services, Adult Protection Services, The Internet Crime Complaint Center, and The Federal Trade Commission. I am absolutely devastated at the loss of almost my entire savings account. I trusted my banking institution. They have shown me absolutely no compassion.
Product: Debt collection

Began receiving letters demanding payment of {$29.00} around the end of XX/XX/2017for a " Toll Violation '' which is stated to have happen on XX/XX/2017 at XXXX XXXX on XXXX XXXX of XXXX Georgia from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I informed them that I 1 ) had not been in in the XXXX area on said date nor had I been there in at least 7 to 8 Years and 2 ) that said vehicle had Never been there 3 ) vehicle in is kept in garage ( in TN ) and not driven except to licensee it yearly. And 4 ) since the debt was not legitimate, I would not be paying it. The company totally ignored my correspondence and have continued to send " Demand For Payment '' letters about monthly. I have not contacted them further on this matter since they have not addressed any of the information I supplied to them. I have had an increase of unknown phone calls but since I do not answer calls I do not recognized I can not be certain they are responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I'm a XXXX wife and my husband and I had a plan to buy a house, but due to XXXX and Experian intentionally ignoring my countless pleas to correct the errors but I got nowhere with my communication, now all I ask is to remove this false accounts imdeiatley, I have disputed the same accounts with XXXX and with No Trouble I was able to correct the errors, but I wasn't able to even find someone to speak with me with the minimum amount of respect.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXXXXXX XXXX XXXXXXXX Chase Card Services Attn : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Internal Revenue Service XXXXXXXX XXXX XXXXXXXX Subject : Suspicion of Tax Fraud. 
Referral Report of Tax Fraud Information - Form 3949-A Acct. Ending in XXXX I am writing to bring to your attention a matter concerning my tax reporting for the year XXXX. I have not received a 1099-C form from Chase and I believe this may indicate potential tax irregularities. 

I have not received a 1099-C form from Chase despite anticipating one due to Chase reporting acct. ending in XXXX as a charged off account to my credit file and having requested Form 1099-c several times through disputes. This has raised concerns regarding the accuracy of tax reporting. 

Due to this account reporting to my credit file as a charged off account and my request for Form 1099-c being ignored and unfulfilled I would like to report this information to assist in ensuring the integrity of the tax system. I believe there might be discrepancies that warrant further investigation. 

Exhibits to submit to IRS Form 3949a which is currently filled out ready to submit. 

CFPB complaint XXXX filed to Chase on XX/XX/XXXX. Chase response dated XX/XX/XXXX which states the company never issued Form 1099-c for credit card account ending in XXXX. The company states the account was charged off XXXX XXXX, XXXX. 

CFPB complaint XXXX filed to XXXX on XX/XX/XXXX. XXXX company response is on the complaint. 

CFPB complaint XXXX filed to chase XX/XX/XXXX. In the complaint I mentioned the account being charged off and how it needs to be reported as taxable income for the consumer. ( I need form 1099-C to accurately report to IRS. ) Chase marked the complaint as duplicate. 

A letter addressed to Chase with the point of contact being the CFO. This letter states the responsibility of the creditor to send Form 1099-c to the consumer for debt charged off over {$600.00}. Also, a request that Chase send Form 1099-c to the address listed in the letter. 

The Chase response letter which is attached to complaint XXXX is included.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score is being reported on XXXX and XXXX but not on Equifax. I verified with my bank that they are reporting the score but when I called Equifax they say that they can't locate my credit history. I have had credit checks failing because of this. Can you please help me fix this? 

I called Equifax & my bank ( XXXX ) a month ago. XXXX did not have my SSN on file, so they updated it. In the meantime I also got a XXXX card which again started reporting to the other two bureaus. I got in touch with Equifax today and they still don't have any information about me. How can I get my credit lines synced across the 3 bureaus? 

Thanks, XXXX
Product: Credit card or prepaid card

I called in XXXX to close my account due to not using it and getting and email someone was trying to log into my account. In XXXX I realized they never closed the account because I got a bill I called to have it straightened out and the guy said he removed the charge and the account was closed. I just got another bill for this account and I called to ask about it and Im being told its a late charge for not paying the last bill when I payed off my card in XXXX and it should have been closed in XXXX!
Product: Debt collection

I have never been informed of this debt. It is on my credit report as of XX/XX/2020 the amount is ridiculous and the landlord who filed with your office over exaggerated charges that dont exist never went to court for the so called charges I was threatened to be charged never was served any papers of the matter at hand
Product: Credit reporting or other personal consumer reports

My student loan service XXXX transferred my loans to a new service provider XXXX. Now there is duplicate records appearing on my credit report. I disputed the issue twice with Experian XX/XX/year> and was informed that the information is correct. I sent over documents which Experian did not acknowledge as a need to correct the error.
Product: Debt collection

In XXXX of 2023 I was in process of acquiring home for my family when a collection appeared on my account. I was shocked because I was told by Invitation home I could leave because of bullets that went through my window. I also had a roommate that agreed to pay Half however he passed away and now I see the debt in collections. Also I was told I would not owe all the rent or be charged a penalty for leaving. This obviously was not true as they not only are charging me as if I never paid rent they also kept my security deposit and that means that the total debt amount is illegal. Under these terms and my. consumer rights for harassing me about a bill that was said to b taken care of because I was allowed to leave is obscured. I believe for this not only should company be charged a penalty they should also not be allowed to collect on the full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX and TransUnion multiple times, to advise them that my information is floating around on the black web. I also advise them that the inquires on my account are not initiated by me and someone else is using my information, without my permission. I have already called the non-emergency line for the police department, which they advise me there is really nothing they can do. I told each rep from the credit reporting agencies to provide me with a wet signature to show proof that these inquiries are mine, there has been no credit under those inquires attached to my account. Both rep for each credit reporting agency only kept transferring me to different departments, no one could provide me with what I was looking for or proof that it was actually me that applied for these items. I am requesting XXXX and TransUnion to provide me with competent evidence that these inquiries were in fact authorize with a bearing wet signature for permissible business purpose. All of the inquires on my account from XXXX and TransUnion must be deleted from my credit report immediately. Delete all the misleading information and unauthorized inquires on my credit report. This is way fraud has been placed on my credit report, even though it does not help or stop the use.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to comply with the law. I requested " the procedure used to determine the accuracy and completeness '' as to how the bankruptcy information got on my report. XXXX is improperly, inaccurately, and incompletely verifying information on my report and the bankruptcy. This report is provided by SELLING MY INFORMATION to the 3 credit bureaus ( XXXX, XXXX, Transunion ) who are also directly using XXXX ( a third party system ) to verify the accuracy of the bankruptcy that are on all three of my credit reports. Therefore, I have a right to know how XXXX is claiming they are AGAIN using a third party system ( XXXX ) to verify a bankruptcy on my report. They are also claiming the address on this third party system ( PACER ) reflects an address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX, which XXXX also obtained from this third party system. However, NONE of the 3 credit bureaus ( XXXX, XXXX, Transunion ) show that address on my report. Therefore, under the FCRA, XXXX is inaccurately, incompetently, and lackadaisically verifying information through third parties when they must go to the original furnisher of that bankruptcy. PACER is not. The Court is the original provider and they do not furnish this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft in XXXX ( and possibly even before then - not sure ). There are multiple inaccuracies on my credit report including my name, phone numbers, residences, accounts and account balances. I have contacted all three credit reporting agencies ( XXXX, Transunion and XXXX ) several times the last was in XXXX and they have not corrected the errors and their companies make it impossible to report the errors either via phone or online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the TransUnion credit bureau to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXXXXXX Date Opened : XX/XX/ Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Mortgage

Lost my home to a fraudulent mortgage and foreclosure. Bank of America lied and claimed i had an FHA home mortgage when i fact I've never applied for or encumbered an FHA loan. my home was owned by me out right with no mortgages since XX/XX/XXXX. Bank of America lied and submitted false SERVICE MEMBER VERIFICATION FORMS TO FRAUDULENTLY COMPLY WITH SCRA RIGHTS, AND PROTECTIONS. WHEN IN FACT THEY NEVER HAD MY SOCIAL OR PROPER DOB TO SUBMITT A LEGAL REQUEST THROUGH THE PROOPER PROCEDRIAL CHANNELS BEING XXXX XXXX XXXX XXXX XXXXXXXX IF IN FACT THEY HAD COMPLIED MY HOME WOULD HAVE NOT BEEN VICTIM OF AN ILLEGAL SUMMARY JUDGMENT. ALSO MY CREDIT REPORT WOULD REFLECT A SOFT INQUIRY THIS MAKING A NOTE ON MY CREDIT REPORT. IVE LOST MY HOME AND IT WAS PAID FOR OUTRIGHT. tHE ACCOUNT NUMBER ON THE FORCLOSED DEED OF TRUST DOES NOT REFLECT PROPERLY ON THE SO CALLED NOTE. ALSO THE ACCOUNT NUMBER DOES NOT REFLECT EVEN REMOTLEY TO THE NUMBER ON THE CONVEYED NOTE ACCORDING TO BOA REPLY TO THE DOJ COMPLAINT I MADE IN XXXX. THE NOTE USED TO FORCLOSE HAD BEEN USED IN XXXX TO FORCLOSE ON A FORMER PROPERTY I OWNED ONCE ALREADY. THEN IT WAS FRAUD AS WELL.
Product: Debt collection

I am writing to dispute the account on my credit report which I believe is fraudulent. Upon reviewing my credit report, I discovered an unauthorized account that had been opened without my knowledge or consent. The details of this fraudulent accounts as follows XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to inform you of an absurd bank policy that I had the unfortunate situation of being caught in the middle of. On XX/XX/2019, I was wired {$28000.00} USD from a family member assisting my family and I with medical expenses. Unfortunately, when sending the wire, my uncle left off the last digit of my account number -- all other information was correct such as spelling of my full name. My bank, Capital One Bank, deposited the money in the incorrect account ( identical to my account minus the last digit ). They have explained that they are under no obligation to check information on the wire and that they are not able to assist me in freezing/retrieving the money from this incorrect account.

Capital One has closed its " investigation '' into the matter and is no longer willing to speak with me on the subject. They have indicated that they have not received a recall attempt from the sending bank, which I have multiple confirmation documents that recall attempts were sent via XXXX messaging ( basically the same way the original wire was sent -- successfully ). I have attempted to escalate this matter multiple times throughout XXXX, XXXX, and XXXX with no success. I've asked for help from Capital One Bank in explaining the proper procedure the sending bank should follow to ensure that the recall message is received, but they explained they did not know. 

I am speechless that a bank would allow this to happen and have no recourse to rectify this mistake. I look forward to hearing your thoughts on the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter regarding inaccurate and unknown things in my credit report. To this day overabout 2 months later, I have yet to receive a response. I feel like I'm being taken advantageof and being ignored of my disputes. Section 611 ( a ) clearly states that a failure toinvestigate these items within 30 days gives me a reason to immediately remove these itemsfrom my credit report. It's been about 2 months now so they should be deleted promptly. Idemand these accounts be deleted immediately or I will file litigation due to the stress thatwas caused to me. My information was also impacted by the equifax data breach and mayhave got into the hands of the wrong person. I AM NOT USING A CREDIT REPAIRCOMPANY, I AM REPORTING THIS VIOLATION ON MY OWN BEHALF. I'VE ATTACHED MYID, AND A UTILITY BILL FOR FURTHER VERIFICATION.
Product: Mortgage

I am in foreclosure mediation with Flagstar Bank. I am requesting and have been in the process of applying for a loan modification. I have become concerned with discrepancies in the verbal and written information I have been given, as well as numerous other problems. This led me to research Flagstar. In doing such, I became aware that they are under a consent agreement with you. The violations they are under consent agreement for mirror the problems/behaviors that they are engaging in with my case/file, IE closing out the file inappropriately, not communicating requests in a timely manner, unwarranted delays in processing, etc. I have proof of all of the above and more. I am fearful that Flagstar bank, which is headquartered in Michigan, is going to issue an unwarranted denial of my loan modification. Oddly enough, the underwriter I spoke to there told me, on a recorded line that his job " XXXX '' and he has too many files. This overloading is one such item of MANY that Flagstar was ordered in the consent to correct. My home is very important to me and I do not want to be issued a denial because of these internal issues. My spouse and I have the income to sustain our home and we will pursue all avenues available to do so.
Product: Debt collection

Sent a Debt Validation to this company once I realized they are listed on my credit reports XXXX XXXX, 2017. The collection agency failed to validate debt. They " did not validate the debt in the required time frame, only after was incomplete proof provided in the form of a final bill. A bill statement does not obligate me to pay. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Product: Debt collection

I XXXX XXXX XXXX I applied for a loan at The Cash Store and paid of my loan and noticed that money was taken out of my account and as, I started to investigate an Employee at The Cash Store comited fraud and write checks under my account without my permission for her own personal use. How that happened to me don't understand, I was told that this was not the first time that employee done that to other customers. And now I have a collection on XXXX  XXXX  & XXXX  in the amount of {$760.00} im not responsible for that amount an employee takes out money and im in debt to pay this has to be removed immediately from my credit report.
Product: Debt collection

I am disputing this debt because it is not mine. I have no knowledge of this account and have not authorized any charges related to it. The account information provided does not match any of my personal details. I have requested a debt validation multiple times with no response. They are constantly harrassing me multiple times a week. I request that this debt be investigated and removed from my records as it does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my Equifax report that were not authorized, I believe they are related to the Equifax breech. Equifax refuses to help me or remove these inquires. I have spoken with the companies and they have no record of me having ever done business with them and some claim to have reached out to Equifax to have removed and they have failed to do so. The inquires are as follows. 
- 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 I have never done business with any of the above creditors and until they showed up on my report I had never even heard of them and Equifax refuses to help me with this matter XXXX
Product: Credit reporting or other personal consumer reports

I have numerous names on my credit report that doesn't belong to me. 
I have provided them with my I.D and marriage license to correct the mistake
Product: Credit card

I've been locked out of my account since early XXXX, several emails/calls and still nobody has fixed the problem. I believe they do it intentionally as it's been going on for years. I typically let my account built up and eventually transfer it to my bank- this way there's no fees collected by them. 
Now that I can't access my account funds online I have to use the ATM which generates fees for them. 
This is the same company that wouldn't credit me losses on a lost card years ago as the person who " found '' it used it where I was and another large grocery store nearby.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Removal of Late Payment Due to XXXX Hardship Dear XXXX XXXX XXXX XXXX writing to request the removal of a late payment from my account [ Account Number ] XXXX dated XX/XX/XXXX and XX/XX/XXXX Due to the financial hardship caused by the XXXX pandemic, I was unable to make payments as scheduled. Under the CARES Act, I request that this late payment be adjusted or removed in light of these circumstances. 

Thank you for your consideration and understanding. 

Sincerely, XXXX XXXX