23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance : {$3400.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/year> and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

15 U.S. Code 14 15 U.S. Code 16.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported an inaccurate debt collection for investigation to XXXX on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.
Product: Money transfer, virtual currency, or money service

Dear CFPB team, My Name is XXXX XXXX. I operate a company in US remotely from XXXX. My EIN no is XXXX. 

I have a Wallet account with Veem that my customer XXXX XXXX opened for depositing our payments. 
My account is being operated under the ID of XXXX. 

I have witnessed a fraud worth of XXXX USD. And I am seeking your help in this regard. 

Someone hacked into my Veem account and updated the withdrawal method on XXXX XXXX with an account that doesn't belong to me. I never received any email about updating of this account. Infact, when I was trying to change my account again to my regular account after the fraud, Veem allowed that too without any verification on email or SMS. I expect a responsible company like Veem to have better processes like 2 Factor Authentication ( Passwords on email as well as SMS ) to be in place even if international SMSes are expensive to send. 

Taking advantage of this loophole, someone has updated their own withdrawal method and withdrawn XXXX USD between XXXX to XXXX XXXX. I have been struggling to login to my account for a week now and finally, when I was able to get in, I could see all my money gone to my despair. 

This is a very large Sum for a small business like us and I hope the team can help and restore this money immediately in our account. 

Also, below are my observations : 1. What verification are in place in case of Veem when someone initiates money transfer? For instance, on my XXXX account, I have to submit a One time password received on phone as and when I transfer any money to anyone. This password expires within 60 secs. Does Veem follow those stringent protocols? Shouldnt they be doing that. 

2. Infact, apart from hacking my account fraudster also asked for a XXXX credit on my account. And I was been called on one of the days to be verified, whether I applied for credit or not?. Shouldn't there be similar verification when the principal account for withdrawal is changed? At least an automated one? Just because its my money, should Veem be allowed to be careless. They definitely have processes in place for offering credit ( Which was effective and I denied applying ). Shouldnt they care equally about my money. 

3. XXXX USD is more than 50 % of our total working capital or us as a small company. What are my rights? Am I protected with any insurance? What about the loss of working capital and hence loss of business opportunity due to negligence on part of Veem? Would there be temporary restoration of credit. How can the impact be minimized to my firm. 

I have reached out to Veem with similar complaint but haven't received a response yet. I am reaching out to CFPB in parallel. I hope someone from your side with intervene and expedite the resolution.
Product: Money transfer, virtual currency, or money service

I received a call from Wells Fargos customer service line from someone impersonating a teller. I was told that someone was attempting to access my account and transfer {$8000.00}, which I didnt have. The teller told me that because the transfer was through an app called XXXX they couldnt stop it but they could help me save my money. All I needed to do was transfer the money, using XXXX, to Wells Fargo for holding. I was told that sending the entirety of my account would make it impossible for the person attempting to clean out my account to get any money and Wells Fargo would return my balance to my account in XXXX hours except it wasnt a Wells Fargo teller it was a scammer who duplicated Wells Fargos customer service number to gain my trust and completely empties my bank account. I lost all my saving that day. I immediately called Wells Fargo and reported this, they gave me a conditional credit for all the money I lost while they investigated. I just found out today that the credit I was given is being revoked as Wells Fargo determined that it was my fault I was scammed and is not at fault for someone impersonating their likeness and using a third party app to steal all my money.
Product: Money transfer, virtual currency, or money service

Hello XXXX, I would like to report one XXXX XXXX personnel who scammed me over - {$5000.00} via credit card dispute. 

He bought over {$5000.00} worth of digital asset from me and one month after he reported to his credit card company reporting unauthorized transaction. He first disputed money in paypal but after one week of reviewing, paypal closed his dispute but then he went to his credit card company and charged back. 


He blocked me and doesnt want to speak with me. He is very active on reddit and is discussing about the bought item in reddit actively proving he still has the digital items he bought from me. He has blocked me and refuse to communicate with me. 


So I would like to report this fraud/ scammer to whichever XXXX department is relevant. If you could assist me, that would be great. 

Thank you very much for your time. 


Paypal case id : ID XXXX XXXX XXXX a link which provides screenshot of the transaction : XXXX XXXX XXXXXXXX
Product: Debt collection

Today alone Comenity Bank has called me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is XXXX. They have some time to get more calls in. 

XX/XX/XXXX they called 7 times. 
XX/XX/XXXX they called 8 times. 
XX/XX/XXXX they called 4 times. 
XX/XX/XXXX they called 8 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly tried to have inaccurate information removed from my credit file. XXXX XXXX XXXX has repeatedly ignored my dispute of information being furnished to XXXX, Experian, and XXXX. The three credit reporting agencies have all continued to report information that is inaccurate. The first dispute of inaccurate information was filled on XX/XX/2022. I received no response. I resubmitted in XXXX of XXXX, but still got no response. I don't know what else to do besides ask for CFPB to help resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report Please verify the following accounts : XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX XXXXXXXX Balance {$660.00} XXXX  XXXX XXXX Balance {$1400.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$120.00} XXXX XXXX  XXXX Balance : {$660.00} XXXX XXXX XXXX Balance : $ {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX Balance : {$380.00} Be advised that this complaint is my follow-up to make sure that the listed accounts are verified.
Product: Debt collection

I have sent a few disputes to this company via certified mail with return receipt that have yet to be properly investigated or responded to. Furthermore they continue to charge me, add fees and report to CRA in the middle of unresolved disputes in accordance to FDCPA guidelines and regulations after written notices have been sent to not do so
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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

This is my numerous complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Debt collection

Back in XX/XX/2021 I signed a contract with urban talent, and that same day was the last time I had contact with the company because I found out it was a scam. I never took any of there classes or did any photoshoots or meet up with any of the people that worked there. I didnt want to pay the XXXX because they are a scam and that I also never took any of the assets that the XXXX was for. Then i get a letter saying I owe XXXX.
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the letter below to all 3 credit bureaus. Experian, XXXX, and XXXX has yet to get back to me with an answer. It has been over 30 days. I would like to have these negative items removed from all 3 of my credit reports. 

Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for this card in XXXX of this year because of the {$150.00} cashback or statement credit after spending {$500.00} within the first 3 months of opening the card. I call Chase today XXXX XX/XX/19 XXXX to inquire about my cash back. But they completely denied this bonus reward for my case at this excuse that my reward will be 1.5 % cashback after spending XXXX XXXX I can clearly remember that my reward was XXXX $ after spending XXXX $ within the first three months ( it's still on their website XXXX and it was the only reason that I accept my friend 's referral to apply for this credit card! 

I highly appreciate if you could help me solve this issue, Regards,  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I must express my disappointment regarding your decision to dismiss my identity theft claim, attributing it to an error or a misrepresentation of material fact. This raises significant concerns about your authority to determine what qualifies as a material fact. It's important to emphasize that your role does not confer upon you the powers of a judge or jury, nor does it XXXX you an inherent right to make such determinations. In accordance with the guidelines outlined by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the established protocol is to abide by the law and conduct a thorough investigation. I am willing to extend XXXX final opportunity for you to address my identity theft request. Failure to do so will leave me with no choice but to pursue legal action through the judicial system XXXX XXXX
Product: Debt collection

I am writing to file a complaint against Clark County Collections, for there non-compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and state laws. Clark County Collections agency has illegally chosen to continue to report inaccurate, incomplete and unverified information to the credit bureaus, regardless of my numerous attempts and communications to remedy this situation. 
Clark County Collection agency is in violation of the Federal and State laws based on the following : 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

I am writing to file a complaint against Clark County Collections, for there non-compliance of Federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and state laws. Clark County Collections agency has illegally chosen to continue to report inaccurate, incomplete and unverified information to the credit bureaus, regardless of my numerous attempts and communications to remedy this situation.

Clark County Collection agency is in violation of the Federal and State laws based on the following : 808. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
In response to my attempts to resolve this dispute with Clark County Collection service, they continue to send me statements reflecting a balance of {$2000.00}, However they are reporting a balance of {$2400.00} to the credit reporting agencies. They have failed to send me anything in writing that validates the debt that they are currently reporting. The first letter that I mailed them regarding this was sent on XX/XX/2021, in which by law they had 30 days to respond with validation of the debt or remove the collection account from my report. I then sent another letter in attempt to remedy this situation on XX/XX/2021 after they failed to validate the debt. Lastly, I sent in a final written request for validation on XX/XX/2021. They have still failed to validate the debt and continues to report inaccurate, incomplete and unverified debt. By law this should have been removed from my credit report following my XXXX attempt to rectify this, but this account is still being reported illegally and it has continued to damage my credit history. 
The only resolution I am looking for at this point from Clark County Collection Service, is for them to remove this inaccurate, unverified account from my credit report immediately. They have mailed me a copy of my original lease from the original creditor but there is no clause or provision in that lease that justifies the inaccuracy of what they say I owe vs. what they are actually reporting. I am happy to attach proof of all of my communications as well as the documents that they have mailed me thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forward with the credit bureaus for over 6 months and have yet to see the results that I am demanding dealing with these unverifiable accounts that are reporting to my credit profile. My most recent letter was sent on XX/XX/2022 to each bureau and I have yet to hear back from them 45 days later. I asked them to verify these inaccurate accounts that are reporting to my profile and they have yet to provide the verification that I have requested several times. My next step is to take this matter to court. Please assist me with this issue due to these accounts being a direct violation of the fair credit reporting act.
Product: Checking or savings account

In XXXX and XXXX I was out of state in Texas with family so I didnt receive any mail. Apparently during that time I was charged I believe {$22.00} for some XXXX XXXX thing. I never ordered this, it definitely was not sent to my address because my neighbor was collecting any packages that arrived to prevent theft. 

Apparently due to this {$22.00} unauthorized charge it over drafted the account and they stacked on several more fees amounting to a total in excess of {$95.00}. 

They never called me or emailed me. Typically in this situation either my local branch XXXX, MN or XXXX XXXXXXXX XXXX XXXX customer service would call me. I had no idea about this charge, the overdraft or any of this until I got home and saw a letter in the mail. 

I tried logging in immediately to file a dispute for the XXXX XXXX and was shown my account of 3 years was closed. I was in complete shock. Not only that but I was severely worried they would make a report stating I was a poor customer submitted to XXXX systems which would impact countless banking relationships current and future all due to this charge that I never made.
Product: Payday loan, title loan, or personal loan

I took out a payday loan with Possible Finance in XXXX XXXX. Shortly after opening the account, I switched bank accounts. 

We experienced a loss in the family and I had forgotten to update all of my accounts with the new bank information. I had attempted at several different times to get the payment method updated on the app and it would not allow me to. There is no way to contact Possible without submitting a ticket online. 

Again, not thinking this was a big deal, I did not submit a ticket and figured I would try again in the future. 

Today, XX/XX/2022, I noticed my credit report stating I was 30 days past due on the account and it has negatively affected my credit. Immediately, I logged into the app again and tried to change the bank account information. This time it allowed me to change the bank but would not allow me to change the payment method. 

With there being no way to directly speak with someone and escalate concerns, I am not sure how Possible is compliant with Fair Debt Reporting.

They want their money so badly, but force customers to jump through hoops to make the payment and punish them when they switch bank accounts and forget to update the information. 

The money is and has been sitting in my account with XXXX XXXX ready to pay Possible and now I am negatively impacted by Possibles subpar user interface!
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 Experian Credit Bureauthe 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 Experian has NOT complied with the FairCreditReporting 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 Bankruptcy XXXX DPT ED/XXXX XXXX DPTED/XXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX DPT EDXXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my reports and seen some fraudulent hard inquiries on them, and I need them removed immediately.