23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I was called by TD Bank ( XXXX ) XXXX which is an accurate phone number for the bank. I was told that there was suspected fraud on my account and they needed to confirm some of my transactions on my checking account. He asked for the last 4 of my SS # which I provided as this is commonly requested to verify my identity. He then proceeded to recite transactions in my account. Some were valid and some weren't. That is when he started what he referred to as initiating a fraud claim. He provided me with a fraud claim # as well. At this time he told me he needed to send me a account confirmation code to my cell phone as well. When I called TD bank the next day to check on the status of the fraud situation, since I received an email that I had insufficient funds in my account, I was told that they never called me and that someone must've spoofed their phone number to make it look like it was TD bank. At this point I realize that someone presenting themselves as a TD bank rep, fraudulently induced me into supplying the last 4 of my SS # and other information to obtain access to my account. This person obviously stoIe my identity by logging into my account and transferring my money around under the pretense that they were a TD bank representative. I learned from the branch that someone logged in, transferred money from my savings account to my checking account and then sent all of the checking account money by EFT to a XXXX payment. I have never heard of XXXX, never used or set up an account with XXXX and also never opted in with TD bank to be a part of XXXX at all. Both my saving and checking accounts were cleared out. I was instructed to obtain a police report which I did get. How was my user name and password obtained? This is actually the XXXX time with TD bank that I have had fraudulent activity. The first time was unauthorized charges. This time is obviously much worse since my account was cleared out of a total of {$2200.00}. Does TD bank not monitor the location of where someone is logging in from? if so, they would see it was not my usual location. Also, as for XXXX, if I never used their service before and then they suddenly see a payment being sent by someone not enrolled in their service, doesn't that flag something on their end? My last question is shouldn't TD bank and all banks ask you to opt in to XXXX? I find it quite dangerous that if someone gets access to my online information again that they can just sent my money anywhere they want. TD bank is in the process of their XXXX day investigation but I wanted to report this fraudulent inducing incident directly. TD bank is saying that I have a XX/XX/XXXX chance of getting my money back and from what I see, within the laws, they are liable to return my funds. XXXX XXXX of the XXXX XXXX Police Dept ( XXXX XXXX, NY ) provided a Central Complaint # XXXX and said my " identity theft report '' will be ready in 3 to 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I do not have access to the documents related to these accounts, but the creditors would. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need.
Product: Credit card

as of XX/XX/2024 I am still currently paying and payments are up to date
Product: Credit reporting, credit repair services, 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 and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

12 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) 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 the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The reporting of these accounts is a violation as I have not given written consent to furnish, my privacy has been violated and I have reason to believe the data reported is inaccurate since they do not match across any consumer reporting agency. DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT. 
Please send me an updated report upon completion of my request. 
Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

The bankruptcy which is being reported to my credit report is inaccurate. The case which youre reporting as valid & accurate is actually incorrect. I never had a case tried or seen. There was NEVER A JUDGMENT. No judgment means there was never a case. A judge never saw a case so how is one being reported. 
Please see this account is removed from my file at once. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
If you continue to report this information without truly verifying the information will be seeking a legal remedy. Ive already discussed this matter with my attorney & he will draw up the federal case within 30 days of this letter if its not removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute Debt Collection Practices ( Regulation F ) AGENCY : Bureau of Consumer Financial Protection.

ACTION : Final rule ; official interpretation.

SUMMARY : The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ). The final rule governs certain activities by debt collectors, as that term is defined in the FDCPA. 
Among other things, the final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumers debt to a consumer reporting agency. 
DATES : This rule is effective on XX/XX/XXXX. 
FOR FURTHER INFORMATION CONTACT : 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 XXXXXXXX, at XXXX. If you require this document in an alternative electronic format, please contact CFPB_Accessibility@cfpb.gov. 
2 SUPPLEMENTARY INFORMATION : I. Summary of the Final Rule The Bureau is finalizing amendments to Regulation F, 12 CFR part 1006, which implements the FDCPA.1 The amendments prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA ( debt collectors or FDCPA debt collectors ). 
The final rule clarifies the information that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model validation notice containing such information. The final rule also addresses consumer protection concerns related to passive collections ( i.e., the practice of furnishing information about a debt to a consumer reporting agency before communicating with the consumer about the debt ) and the collection of debt that is beyond the statute of limitations ( i.e., time-barred debt ). On XX/XX/XXXX, the Bureau published a final rule in the Federal Register that focused on debt collection communications and related practices by debt collectXXXX XXXX XX/XX/XXXX Final Rule ). The XX/XX/XXXX XXXX XXXX reserved certain sections of Regulation F in anticipation of this final rule. 
As discussed in the XX/XX/XXXX Final Rule, in XXXX, Congress passed the FDCPA to eliminate abusive debt collection practices by debt collectors, to ensure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.2 The statute was a response to abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.3 According to Congress, these practices
Product: Credit reporting or other personal consumer reports

I requested to the credit bureau on XXXX that the information that they are sharing concerning a bankrupt incorrect and also they did not have my permission to share my information nor did they have permission form the courts. I also wrote to the courts asking if they shared my information concerning a bankruptcy to the credit bureaus they stated that they do not share any information with any third party credit bureaus.
Product: Money transfer, virtual currency, or money service

XXXX issued a check for XXXX. My husband was in an accident XXXX. The check was made out to XXXX XXXX law firm, XXXX and XXXX XXXX. I waa never made aware of the issuance if the check mid XX/XX/XXXX. The lawyer sign and added XXXX Signature. Issued XXXX a check XXXX we were living together but separated with out my knowlegde or signature. The check was issued by XXXX and cashed at Bank America. I have been giving the run around from XXXX and Bank of America. The lawyer removed himself from the accident case he was handling for me stating to XXXX I am trying to get him disbarred. He never contacted me. XXXX sent me a copy of the cashed check. This was theft.
Product: Credit card or prepaid card

Over the course of the last few years ( dating back to approximately XXXX ), I have had several Citibank Mastercards and 1 Citibank bank account that earn XXXX XXXX miles as rewards for spending money on the cards or depositing money in the bank account. Citibank and XXXX XXXX have a corporate partnership whereby Citi buys miles from XXXX  and gives them to customers as rewards for using Citi financial products. 
On XX/XX/XXXX, XXXX XXXX unilaterally and without warning terminated my frequent flier account, cancelled an existing ticketed itinerary, and confiscated over XXXX miles. XXXX  has provided only a vague accusation of " fraud, misrepresentation, or abuse '' with no detail of the alleged infraction, and no way to contact them to discuss or appeal this decision. 
As Citi is subject to financial regulations and CFPB oversight, I request that CFPB investigate this fraudulent practice by Citi and XXXX. I met the terms of my agreements with Citi, they awarded me miles as a reward for my business, then XXXX  stripped those rewards with no warning or appeal. 
The value of the XXXX confiscated miles is {$4400.00}, and the cancelled itinerary will cost me approximately {$8200.00} to replace.
Product: Payday loan

I took out a loan the Leander was taking hundreds of dollars out of my account per month but the debt was not being paid off after several weeks of paying I was told there is an {$8.00} a day interest rate I do not think that is fair and I know the loan should be paid but now lender is threating wage garnishment
Product: Credit card

I am filing this complaint regarding a fraudulent ticket purchase made through XXXX for a concert held at XXXX XXXX XXXX on XX/XX/XXXX, order number XXXX of the amount of {$130.00}. I purchased the ticket in good faith, but when I arrived at the venue, I was denied entry. Venue staff informed me that XXXX was the only authorized ticket provider, and XXXX was not authorized to sell tickets for this event. 

I first contacted XXXX about the situation but did not receive any response, even after multiple attempts. Subsequently, I filed a claim with my credit card provider, Chase, under the claim ID XXXX. However, my claim was denied because Chase told me that XXXX provided evidence that I had downloaded the ticket. 

In my defense, while I did download the ticket, it was a fraudulent and invalid ticket. Downloading the ticket does not equate to receiving the service I paid for, as the ticket was unusable, and I was denied entry. 

I contacted XXXX XXXX XXXX today, which is where the event was held, and they confirmed in writing : " XXXX is the ticketing provider for XXXX XXXX and other City of XXXX venues. We do not accept tickets scanned through XXXX and have no affiliation with this third-party ticketing website. All legitimate tickets must be scanned through the XXXX app. '' This confirms that the ticket I purchased through XXXX was fraudulent.
Product: Credit reporting or other personal consumer reports

My information was used to open fraudulent accounts, such as credit cards, loans and collections, XXXX XXXX, Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), 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 XXXX collections with XXXX XXXX opened XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX under the account number XXXX, and note loan opened at XXXX XXXX on XX/XX/XXXX that's paid and closed under the account number XXXX, and lastly a XXXX-XXXX  secured loan opened XX/XX/XXXX under the account number 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 # XXXX 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: Debt collection

XXXX XXXX  over charge me for my services I was the income based plan and my bill kept going up and up
Product: Credit reporting or other personal consumer reports

JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX Subject : Request for Account Details Dear JPMCB Card, I am writing regarding my account with your company, Account Number : XXXX, which has been marked as charged off. I am not disputing the account or its status ; however, I would like to request clarification and verification of the following details for my records : The date of the first delinquency on the account. 
The date of the last payment made on the account. 
The date the account was officially charged off. 

This information will assist me in maintaining accurate records and understanding the timeline associated with this account. 

Please provide this information in writing at your earliest convenience. If additional documentation or identification is required to process this request, feel free to contact me
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge Frther, I certity that I am permised by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willul misstatements or omissions of material facts consetutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S C. 1001. 
Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. This collection found within my credit report are not related to any transaction that I made. fam alleging that a person or company- without my authorization- used my personal Identitying information to apply for goods, services, or money : and, was successful in creating some accounts. All is being invessigated by the FTC
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXX took the car loan off of my credit report without my knowledge, the loan still had a balance when removed was XXXX made a car payment XX/XX/year> which brought balance down to XXXX ..The original loan was XXXX which helped my credit when being paid off and now I have no knowledge of the amount thats left or showing the account there was no reason for the account to be removed because it made my credit drop XXXX points because the incorrect removal. I need this to be back on my credit
Product: Debt collection

I have been goin back and forth with the three credit bureaus about these energy companies in Texas opening fraudulent accounts in my name. I filed a report back on XX/XX/2023 for the same exact thing. I live in new jersey and have no ties to Texas. This is fraudulent activity obviously. Please look into this this and flag any further collections. 

Original Creditor : XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$670.00} Collector : Online Information Services  XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$1100.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$280.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX Account # : XXXX Date Opened : XX/XX/2023 Balance : {$320.00} Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

AVID ACCEPTANCE -XXXX  XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Dear Sirs : On the XXXX day of XX/XX/XXXX I signed a contract with XXXX XXXX XXXX XXXX XXXX XXXX purchase A XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX at the price of XXXX  XXXX with a down payment of XXXX. I wish to cancel that contract because the dealership knowingly withheld information from me and falsified documents. I have informed Avid Acceptance and other parties that I have been requesting the original contract that set the security interest in place. You keep sending me the retail installment agreement and the security interest- I am requesting the agreement that was set in place for the security interest. It has been 2 years and I was told a copy was going to be made and sent to me. You all included coverage for insurance in my numbers and these were not the original numbers that were agreed to. I have now included the lending party on the email because I have made them aware of the fraud that has taken place while Im still paying on the contract. You all at XXXX knowingly withheld information from me as well as told me my down payment would be returned to me and I still have yet to receive anything back. I have placed you all on notice for over the past 2 year now I am asking that you please provide me with the above-mentioned information as I will seek legal representation because you are and have been committing fraud and not giving me the appropriate documentation to provide to Avid acceptance. I have requested on a number of occasions that XXXX, please advise or XXXX can you provide me with the contract that set the security interest in place. I hereby exercise my right to rescind the agreement under the provisions of knowingly withholding information and falsification and fraud and ask that you return my deposit/down payment of {$1000.00} within XXXX days as required by law. Under Section 15 U.S Code 1605, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. You can contact me via email @ XXXX I look forward to a speedy resolution to this matter. Yours truly, By : XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureau, I recieved a copy of my credit report and i have found the follwoing items listed below to be in error. These accounts are listed with late or missed payemnt and that is incorrect. the follwing accounts wer NEVER late and should be listed as PAYS or PAID AS AGREED. 


XXXX XXXX XXXX XXXX ACCOUNT # XXXX I was Never Late on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) on this Account Please Update the account as PAID/CURRENT. 



By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any Information that the creditor can not verify. I understand that under 15 U.S.C Sec.161i ( a ), you must complete this reinventigation with 30 days of receipt of this letter. 

Please send an updated copy of my credit report reflecting the requested changes. 

Thank you for your helping this matter, XXXX XXXX
Product: Checking or savings account

I had fraudulent charges on my chase debit card from XXXXXXXX  phone company. I let my bank know of these fraudulent charges, but they are saying the transaction was authorized.