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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$2200.00}, {$1500.00}, {$39000.00}, {$870.00}, {$1500.00}, {$860.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

XXXX. XXXX XXXX BANK XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2200.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 









-- XXXX XXXX XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$39000.00} -This is not my account. 



-- OTHER ACCOUNTS XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$870.00} -This is not my account. 



-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$860.00} -This is not my account. 


I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, CFPB and Police Report.
Product: Debt collection

I and the other residents that lived in the XXXX XXXX XXXX homes in XXXX, Texas received a phone call on XX/XX/XXXX from " XXXX XXXX '' with " Rent Recovery Solutions '' stating that I had to call her back immediately as it was very important. I dismissed this as any other spam call. 

My roommate contacted me about an hour later stating they had received the same call. My roommate had conversed with " XXXX XXXX '' trying to find out what she meant. She said that we owed the XXXX XXXX XXXX a payment of {$480.00} and that the apartment homes sent us to the collections agency. She stated that if we do not provide proof of payment, then all of our credit scores will be affected. 

The amount she stated was the exact amount that my roommates and I had paid in full to XXXX XXXX XXXX on XX/XX/XXXX. I contacted " XXXX XXXX back and had a similar discussion that my roommate had. I stated that I had picture and email documentation that this has been paid. I then asked if I could email the proof and she said that I would have to mail any documentation to " XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ''. I then disconnected the call to contact XXXX XXXX. 

I spoke with the representative at The XXXX XXXX XXXX about the balance. She looked up our information and she stated that they include notes on their documents that also have dates included. She stated that we have completed the payment of {$480.00} via Money Order and was scanned in on XX/XX/XXXX. I asked if they had accidentally sent us to collections and she said that they did not do that. I asked what collections agency they use and she said XXXX XXXX. This threw up red flags immediately, as this is not the debt collection agency that contacted my roommates and I. We then proceeded to contact XXXX XXXX and spoke with one of their representatives. This rep. confirmed that XXXX XXXX has no record of any debt for my roommates and I in their system and that they DO NOT work with Rent Recovery Solutions.
Product: Money transfer, virtual currency, or money service

I am being scammed by paypal. 
I have set up a fundraiser for pet rescue which was approved however after having received many donations they just permanently limited my account all the sudden. saying some XXXX that transactions are at risk? seriously donation is a risk transaction? 
impossible to talk to them in order to resolve the situation I have already been seeking legal advice to join a class action lawsuit against them the attorney explained that they are taking money out of peoples accounts without any reason! so basically they just robb our digital wallets! 
please help me get my funds the total amount is {$7600.00}
Product: Credit card or prepaid card

In XX/XX/2022, when I accessed my Capital One app to make a payment. I use the app to make payments, view account, etc. I noticed a new section under my " Statements & Documents '' titled " Upcoming Bills '', clicked on this section & it reflects " Bills & Subscriptions ''. It reflected : " Next XXXX XXXX XXXXXXXX {$2.00}, XXXX XXXX XXXXXX/XX/XXXX, Dates and amounts are estimated based on previous charges. You may want to check your statement, just in case any charges didn't appear in our search. '' This was alarming since I've not set up any bills or subscriptions on this card. I tried to find ( in the app ) when this was setup & by whom but was not able to. I was also not able to delete or change it. I monitored the card through XXXX. Then in XXXX, I did a search for this amount & vendor throughout all charges on the card & nothing came up. 
I contacted Capital One customer service on XXXX XXXX spoke to XXXX different reps who couldn't understand my complaint, provided little assistance & inaccurate information. 
I called back on XX/XX/XXXX & spoke to a representative in the XXXX, apparently my initial call was handled by a call center in the XXXX as per the rep I spoke to this XXXX. I was on the phone with a representative by the name of XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. This is what transpired : XXXX XXXX I never set up this transaction. XXXX researched & informed me : This is a default on their " app '' which happens when there are " recurring '' charges to a vendor/merchant regardless of the amounts charged. I argued Capital One has no right to set up this " Upcoming Bills '' without my consent & not notifying me. This popping up on my account had me thinking it was XXXX who did this. Additionally, I was provided inaccurate information during my initial call to investigate the matter by XXXX of their customer service reps : XXXX reg customer svc rep ; XXXX in their XXXX XXXX XXXX XXXXXXXX in their dispute chrgs dept Lastly, XXXX stated it was " just '' a default issue on their app which has not been paid, at all, to XXXX. Further, it's through their app that this happens whenever there's a " recurring '' charge to a merchant/vendor. Informed XXXX the dispute chrgs rep informed me otherwise & that I will be filing a formal complaint to appropriate government agency about this practice. XXXX stated during his research he was told it was a default through the Capital One app. I told him app or not, Capital One has no right to do this on my account without notifying me before or even after. The explanation is not acceptable & deem this action as unethical. I plan to discontinue use of this card & close it altogether. I feel consumers need to be informed of this act by Capital One
Product: Debt collection

XXXX XXXX XXXX along with their foreclosure attorney, McCalla Raymer Leibert Pierce , LLC, has violated many aspects of the Fair Debt Collection Practices Act, including the nonjudicial foreclosure sale of my mother 's ( XXXX XXXX XXXX ) on XX/XX/XXXX, which was facilitated by XXXX XXXX XXXX XXXX XXXX I requested documents from XXXX XXXX  XXXX on XX/XX/XXXX, which were never provided. I submitted civil lawsuits against XXXXXXXX XXXX XXXXXXXX and McCalla Raymer Leibert Pierce , LLC to the United States XXXX XXXX, XXXX Georgia, XXXX Division. XXXX XXXX XXXX dismissals of XXXX and XXXX were done with prejudiced, bias, partiality, lacked integrity and neutrality and when I pointed out how his responses to my submissions with supporting evidence were in conflict to XXXX XXXX XXXX and Georgia 's Judicial Qualifications XXXX XXXX XXXX supported XXXX decisions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX and XXXX XXXX financially influenced XXXX XXXX XXXX and XXXX XXXX XXXX regarding XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX both have violated Federal Judicial Ethical Canons XXXX and XXXX and Violated Georgia Judicial Ethical Canons XXXX and XXXX, by allowing XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX XXXX XXXX financially influence him.
Product: Credit reporting or other personal consumer reports

I need your assistance regarding the incorrect account listed on my credit report. This issue has harmed my reputation, and I require your support. The mishandling of my credit report has put me in a difficult position, as the misleading information has damaged my reputation. Its essential that you eliminate this incorrect information from my credit report.
Product: Credit reporting or other personal consumer reports

Credit XXXX XXXX is reporting an account I never opened. I told them to close the account immediately and provided identification information requested but yet they constantly choose to do otherwise.
Product: Credit card or prepaid card

I have had a cobrand American Express credit card for XXXX years ; it is my oldest/longest-running credit card and essential to the health of my credit score. When I opened this card, it was the Starwood Preferred Guest ( SPG ) cobrand credit card with an annual fee ( there was also a no-fee version, but I elected for the fee version ). When SPG merged with XXXX, I was issued a revised XXXX XXXX cobrand Amex, also with an annual fee. In the process of rebranding to XXXX XXXX, it appears they eliminated the no-fee cobrand card option. I no longer want to pay an annual fee, but Amex will not let me transfer my account to any other Amex product and maintain my same account / my same credit history ; the only option they are offering me is to fully close my XXXX XXXX Amex account and reapply for / open a new Amex account in order to get a no fee Amex card. Doing so would eliminate my XXXX years of credit history ( which I want to keep growing ) and adversely affect my credit rating ; it feels as if Amex is holding me hostage if I want to maintain long credit history and a good credit rating. I still want to be an Amex cardholder, I just want to transfer my account number to a new, no fee card outside the XXXX XXXX cobrand portfolio without needing to fully close my account and apply for a brand new card from scratch ( since Amex eliminated the no fee SPG cobrand card that used to exist, and that I had the ability to switch to when I first opened the card ).
Product: Money transfer, virtual currency, or money service

I was solicited by someone presenting themselves as representatives of XXXX XXXX XXXX XXXX XXXX  ( later changed to XXXX XXXX XXXX XXXX to invest money in financial services or products. This investment turned out to be unsuccessful and/or fraudulent and I lost a substantial amount of money. Later, I was again solicited by a person presenting himself as XXXX XXXX as a representative of XXXX XXXX, to transfer amounts for the recovery of the previously lost investment. Such persons explained to me that the funds that were previously lost to the web-platform XXXX XXXX XXXX XXXX XXXX are now recovered and available for refund. Eventually, these claims turned to be fraud too. All payments to both Merchants were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker/ recovery service. All such transfers were made through my wallet hosted by Coinbase. I consider the beneficiary wallets being an integral part of the fraudulent scheme behind both XXXX XXXX XXXX XXXX I also know that under the so called travel rule, virtual assets services providers ( XXXX ) are put under certain obligations, which include collection and keeping record of information about the beneficiary wallets, especially about if the beneficiary wallet is hosted ( including which is the hosting exchange ) and/or if the beneficiary wallet is un hosted XXXX Based upon the understanding that Coinbase is acting compliant and will provide the due care towards its own wallet-holders ( such as me ), I have sent a relevant request for provision of information ( Attachment XXXX/02 Letter of Demand to Coinbase ). Such letter was solely based upon the assumption that : ( a ) Coinbase should have collected the requested information as a part of their regulatory obligations ( if it has acted XXXX compliant as it declares and advertises ) ; ( b ) neither part of the requested information requested is considered confidential and is not protected under any law ( it does not qualify under any rules as personal information ) ; and ( c ) I have justified legal interest to have knowledge about the beneficiary wallet holder and about the crypto-exchanges that possibly hosted wallets, to which I made transactions. As a matter of fact, said letter is requesting information ONLY about the name of the beneficiary person and the location ( hosting entities ) of the beneficiary wallets, where I have transferred crypto from my Coinbase hosted wallet. It is based upon the travel rule requirements imposed on XXXX XXXX XXXX UPDATED GUIDANCE FOR A RISK-BASEDAPPROACH / VIRTUAL ASSETS AND VIRTUAL ASSET SERVICE PROVIDERS ( v. XXXX  ). With slight deviations in the thresholds and the required information to be recorded, similar regulations are adopted by XXXX, XXXX and XXXX. Unfortunately, Coinbase failed to provide a repose to my justified request.
Product: Money transfer, virtual currency, or money service

A {$1000.00} payment was made from my PayPal account to someone I did not know. I don't know how this happened. 

I called PayPal to let them know this was unauthorized, and they said they could not prove it was unauthorized because they could not show any unusual login activity. They apparently determine " usual '' login activity based on repeated logins, so all they really determined was that the hackers waited a while before executing the transaction.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, XXXX, And Transition have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXXXXXX XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

ok so the credit agency have just completely disregarded my consumer identity and i want to know how is it even remotely possible to report inaccuracies on my credit report with no reporting company? there is mistake after mistake on my consumer report? how many laws will they be able to break. how much of my livelihood will they be able to destroy? account in question 12940 they have violated my rights.

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

I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account XXXX XXXX XXXX Account XXXX. XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2016 my card was lost or stolen, so XXXX XXXX placed a hold on my account while I was waiting for my new card. The person told me to wait to make a payment, so I did. When I logged into my account the due date was for the next month, so I paid on the next due date. They incorrectly submitted a late payment notice to the Credit Bureau saying I didn't pay when it was due when I was told it was due on the follow month because of the issues on my account and fraud charges. They refused to remove the late payment reporting and said it was accurate. This happens partially because when the consumer does all payments online and their account is locked or not in service, they can not access their account to make the payment. That may have changed by now. They also incorrectly display balances and payment due dates and make credit unavailable if the payment is not made on the date prescribed. Also, the payment due date is not kept online if there was no payment made with no reminder that the payment wasn't made on the due date.
Product: Consumer Loan

My loan is for only about {$8500.00} but the statements are confusing. They only show the amount owed after all interest over the life of the loan. For example I borrowed the above but my statement shows {$16000.00} and this also appears on my credit report which hurts my debt ratio. It would be as if my mortgage is {$60000.00} but instead of showing what I borrowed they show the amount on my statement with all 30 years interest in the total but no where does it show the original amount borrowed. Which would make it hard to see if my payment is being applied correctly. It also does n't show my interest rate. I am requesting that my statement reflect the basic info that every other business seems to be able to print on theirs.
Product: Debt collection

CREDITOR : XXXX COLLECTION : LVNV FUNDING LLC CREDIT BEREAU ; XXXX, XXXX, XXXX XXXX XXXX AMOUNT : {$710.00} I recently pulled my credit and saw a Discrepancy that was reported on my credit files that I have no knowledge of this account I would like this account removed from my credit file due to the fact of identity fraud. I reported this account to the credit bureau 's in i didn't get the respond or verification of my identity to saying this account belongs to me. my rights is being Violated under the fair credit ACT.
Product: Credit reporting or other personal consumer reports

15 USC 1692 ( c ) Communication with collection of adebit ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Vehicle loan or lease

The car loan was paid off in full, however I have asked many times for it be taken off my credit.