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

I was frauded by someone posing as a professor at my university offering a remote work position by spoofing and redirecting his email. I was emailed a check for {$2500.00} on XX/XX/XXXX and cashed it on my phone into my Charles Schwab Bank account on XX/XX/XXXX. I was told to send {$710.00} for my supplies to a XXXX account under the name of XXXX XXXX, which shows up on my bank history as XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, the check I initially cashed on XX/XX/XXXX was returned and the amount was taken out of my account. I initiated a dispute with my bank on the XX/XX/XXXX and received notification from the bank that the funds could not be recovered on XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I was scammed out of {$2000.00} from an individual impersonting themselves as a WELLS FARGO representative. The individual convinced me that via text that someone from XXXX XXXX XXXX was trying to take money from my account through the Wells Fargo XXXX XXXX transfer. This individual claimed he was from the Wells Fargo fraud department and that he was assisting me with what to do in order to prevent the transaction from taking place. This fake impersonator reassured me that this was okay to do in order to stop the fraudulent transaction from taking place. This impersanator had me to reset my XXXX account to act as if I was sending the funds via XXXX XXXXXXXX XXXX to my self. I have a full report attached. I submitted a fraud claim to WELLS FARGO and they denied it because they felt the transaction was processed accordingly. They have since revoked the provisional funds that they returned to me and have forwarded me to another Non-Fraud VOS Department Claims Department. When you speak to a customer service rep. they are not familiar with your case in which everytime I contact Wells Fargo and speak with someone in a department they are clueless and have forwarded me to another department that can give me no assistance. How can Wells Fargo help me If I have not been able to even submit a report of the details of my situation. I am trying to get my {$2000.00} back because this transaction was a scam through WELLS FARGO 's XXXX XXXX services. Any assistance would be appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX  - Account Number : XXXX XXXX  Date Opened XX/XX/XXXX Unauthorized inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against Equifax, XXXX and XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, they have completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard  inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Credit reporting 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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX FIN Account Number XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : DPT ED/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Debt collection

I attempted to pay this bill back in XXXX  but I believe that it was fraud. Since then I have received numerous calls and texts of bill XXXX trying to get me to pay again.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is HELVEY & ASSOCIATES INC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HELVEY & ASSOCIATES INC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HELVEY & ASSOCIATES INC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HELVEY & ASSOCIATES INC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HELVEY & ASSOCIATES INC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. HELVEY & ASSOCIATES INC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit card

I'm a disaster victim and I reached out to Navy federal and they representative informed me that Navy federal was assisting member who were affected. He went on to state that he would reduce my payments to {$200.00} on all cards and that would remain in affect for a period of 1 year. However, that is not what they did. They charged me extra fees, gave me a loan for only {$5000.00}, but now they have all the card payments due at the same time. Moreover, all of the information that was told to me are now a mistake on the representative part and they have increased everything. Placing me in a worse situation than before the disaster.
Product: Credit reporting or other personal consumer reports

I got into a XXXX  accident in XXXX of 2023 and had filed an insurance claim. I had notified XXXX of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Product: Debt collection

I received a XXXX XXXXXXXX XXXX  for the XXXX XXXX XXXX XXXX XXXX XXXX. Plaintiff/Petitioner MIDLAND CREDT MANAGEMENT INC. Attorney listed is XXXX XXXX XXXX XXXX The company or account they are trying to collect on that they purchased is a charged off account that is listed on the credit report as well as my bankruptcy. I called the number listed on the summons XXXX requesting a copy of any discovery and the original contract. I also requested the 1099c since the credit bureau is reporting that XXXXXXXX XXXX  has been charged off. This would be considered income for them and reported the the INTERNAL REVENUE SERVICE. My concern is that this collection and summons is fraud. The persons I spoke to refuse to send me anything but continued to transfer me to multiply customer service representative.
Product: Credit card

They sold my account to a collection agency after I disputed charged on my account without verifying the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX, I've been XXXX from the US Military since 1971. I'm now an XXXX year old man, and lve been XXXX for 48 years. I've recently pulled my credit to see what was on it. 

Apond pulling my credit I found several items that I never applied for, several inquiries on my credit profile that I did not authorized. 

I never applied for any card from this credit card company or any other source. If you look at my credit profile I have live only in one state after I XXXX from the Military in 1971, I have not lived in no other state. I built my home here and have always live here in XXXX Florida after I XXXX in 1971. 

I have always had perfect credit and now my credit have been used fraudulently used. 

I am asking for this credit card and credit inquiries to be removed form my credit profile. 

I have reached out to the three major credit bureaus and submitted a claim of fraud on my account. 

Per the 605b any fraudulent information on my credit profile needs to be removed within 4 business day upon my letter of request. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX ( XXXX ) XX/XX/year> XXXX AVANTUS ( THE FEDERAL SAVINGS )
Product: Debt collection

Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below SOUTH WEST CREDIT SYSTEMS Account Number : Collections {$490.00} Please remove it from my credit report. 
Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.

5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contacting CAPITAL ONE BANK USA about their error. They are reporting an incorrect/false information. Account involved in litigation " an incorrect high balance and inaccurate date of last activity " REAGED ACCOUNTS '', " reinsertion without proper notice '' a charge off was listed. 

THEY HAVE TO DELETE FALSE INFORMATION AS IT IS HIGHLY DAMAGING ON MY CREDIT REPORT. THEY SHOULD DELETE IT IMMEDIATELY.
Product: Debt collection

I checked my credit report and I noticed a fraudulent account. I filed an ID Theft report so that the account can be properly removed. The credit reporting agencies are supposed to report fair and accurate information. This is a violation of 15 USC 1681b ( 2 ) ( a ) ACCOUNT TO BE REMOVED : XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX, I received an email and then phone call asking if I had changed my password and/or PIN number. I answered both " No ''. I then checked the app on my phone and saw activity happening on my account in front of my eyes. The suspect transfered money from our savings into our spend account. The suspect got money from an ATM and then also started shopping online. The charges are in XXXX, Minnesota, and online at XXXX. 

I immediately called the bank and asked to have my account frozen. It took the bank a while to do this and the suspect was able to use a virtual card to make further purchases. the total loss was {$3200.00}. The bank ( Credit Karma ) started to dispute the case and then reported back to us that there was no error. They are not returning the stolen funds. 

Credit Karma is now saying there was no error. They have a policy of no spending or withdrawal of cash over XXXX USD per day. The suspect in this case charged over XXXX dollars multiple times within hours. We are very confused that they say these are legit purchases when it is against their policy.
Product: Debt collection

I am writing to file a complaint against a collection agency that, to my knowledge, is not licensed in my state of residence, yet is attempting to collect a debt from me. The debt in question was originally from a bank and is now being managed by the collection agency. 

I have received numerous letters from this agency attempting to collect this debt, despite never having directly communicated with them or authorized them to collect any debts on my behalf. The date of last activity on this debt was XX/XX/XXXX, and it was reported on XX/XX/XXXX. 

Upon receiving the collection letters, I disputed the debt. The agency responded by sending documents claiming that the debt was mine, but they did not provide a contract with my signature or any concrete evidence proving that I owe this debt. Therefore, I believe this is an attempt to collect a debt that has not been properly validated. 

Moreover, I conducted research on a public licensing website and found that the collection agency is not licensed to collect debt in my state of residence. This leads me to believe that their attempts to collect this debt may be in violation of state regulations. 

I request that this matter be investigated and that the collection agency ceases all collection attempts until they can provide proper validation of the debt and obtain the necessary licensing to operate in my state.
Product: Credit reporting or other personal consumer reports

I see hard inquiries on my account that I never did and I see address on my credit that I never lived at I need these thing to be removed as soon as possible.
Product: Mortgage

I have had an ongoing problem with XXXX. Below you will find the latest form of discrimination to which they have subjected me : I took out a loan from XXXX for a home improvement Loan. Their address is XXXX XXXX XXXX, XXXX Ohio XXXX, phone Number is XXXX. They assigned XXXX XXXX to be my project manager for the duration of my project. However, He decided that he did not like me personally and is therefore, refusing to provide me with any assistance. He did not even have the courtesy to notify me to that effect. It was XXXX XXXX, XXXX Director for that location that finally decided to tell me this. Only to make matters worse, he did not, and still will not provide me with any information as to how to go about completing my project, such as how to order materials and pay for them, since they hold the purse strings. 

XXXX XXXX has also instructed any and all parties he has dealt with not to provide mw with any information. For instance, he contracted XXXX XXXX XXXX , XXXX at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to do an inspection for me, and he paid them {$110.00} out of my money. But, neither he nor XXXX XXXX XXXX will give me the results of the inspection. XXXX XXXX XXXX wants another {$680.00} for the work to contain my pest problem, and yet neither party will give me any explanation. 

Given the situation that both of these parties have placed me in, I feel that the both of the should be disciplined, and my money refunded since it is not fair to charge me for something which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX XXXX XXXX VALIDATION REQUEST by certified mail I followed up 28 days later with a NOTICE OF CEASE AND DESIST letter because none of the requested documents were sent by NAVIENT I am not refusing to pay debt I am simply asking for proof of claim
Product: Debt collection

2019 it was on my report its been XXXX years and its effecting my chances of getting a head in life and it is mentally draining and damaging to me and my family as I struggle and try to support them as best as I can
Product: Credit card or prepaid card

This happened mid XX/XX/ 2018. I either made a payment or Citi auto drafted a payment, something was miscommunicated with XXXX XXXX XXXX  and the payment returned. Citi automatically redrafted the payment and apparently XXXX XXXX XXXX rejected. I woke up to an email that said Citi shut down my account without any notice at all. They didnt give me the opportunity to clear it up even though it was all on them and their communication with XXXX XXXX XXXX. I used this card for absolutely everything it was my only card that had any sort of real limit and has put an incredible amount of stress on my family and I, this was 2 weeks before my son was XXXX.
Product: Checking or savings account

I lost my mobile phone and number back in XXXX, XXXX, and since that time haven't been able to login and access my accounts at Pentagon Federal Credit Union. 
Suffice it to say that I have done everything I could to remedy the situation, but I can not say the same for PenFed. 
I recently decided to close my accounts there and once again have the same issue with PenFed. They insist on me providing them a copy of a phone bill/utility bill, in addition to my driver 's license and SScard. 
Is not a driver 's license and SScard enough for identity and address validation?? 
They should know I'm 100 % VA XXXX compensated since I was having my VA checks direct deposited there! 
I have other accounts at other banks and have been able to login and access my accounts at other banks. 
PenFed is the only one that has caused me to no longer wish to be a member of their credit union, period! 
I have several emails confirming this if necessary, even from the XXXX 's office.
Product: Money transfer, virtual currency, or money service

Wont allow me to sign up with XXXX XXXX
Product: Credit card

Every month I receive a billing statement re : my Chase Slate Credit Card. After receiving a XXXX 2015 statement I paid the balance in full and did not charge anything. My XXXX balance was XXXX. Although there had been a transaction - the payment - Chase refused, and continues to refuse, to send a XXXX 2015 billing statement because the balance is XXXX. I therefore have nothing from Chase to show that my balance was paid in full. I could understand not sending a billing statement if there were no transactions ( payment/charges/interest ) at all, but there was a transaction - Chase cashed my check.
Product: Credit card or prepaid card

On XX/XX/23 I sent Chase Card Services a message stating that I should have received 5x the points for charges to one of my cards. Per Chase 's promotion, restaurant charges are worth 5x the charges vs the normal 2x the charges during the promotional period of XX/XX/23 to XX/XX/23. I received a message on XX/XX/23 asking me to produce the receipts because Chase said the charges were for a hotel vs a restaurant. Hotel charges are credited 2x the points vs 5x the points for restaurants. On XX/XX/23 I sent Chase the receipts they requested confirming the charges were for a restaurant. On XX/XX/23 @ XXXX XXXX  Chase replied to my initial inquiry regarding this matter and stated I had reached the maximum spend of {$1500.00} for the promotion. In the meantime I had already sent another inquiry at XXXX XXXX  on XX/XX/23 regarding approximately {$1500.00} in restaurant charges on XX/XX/23, wherein I did not receive 5x the points. I don't recall that Chase informed me there was a {$1500.00} limit during the promotion period. In addition, why did Chase inform me after I spent another {$1500.00} on my card that earns less points. I could have used another Chase card on both sets of charges and earned XXXX more points.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX in the amount of {$680.00} & & XXXX and XXXX XXXX  in the amount of {$1600.00}, are the result of identity theft, and They are not belonging to me.