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

I received a call from a scammer who posed as a Bank of America employee. The person induced me into believing my account had been hacked and fraudulent charges were being made. The scammer then had me verify codes that were sent to my phone and used those to change my account password and initiate a wire transfer. The Scammer then advised me that he was setting up fraud alerts and that I needed to reply yes to one and no to another. The text came in and I replied yes believing this was a test fraud message from a Bank of America employee. I was induced by false means into replying yes to a fraud alert asking if I authorized a wire transfer, which I did not. Under regulation E if I am induced to authorize a transaction by fraudulent means then I should not be liable because I was scammed. I filed a claim with Bank of America and they denied my claim stating I authorized the transaction by text. However the authorization was obtained by fraudulent means.
Product: Debt collection

I am a federally protected consumer and a natural living person. I am aware that this company by the name of Simons Agency INC, is committing fraud and claiming that I owe this company an alleged debt. I hereby refuse this alleged debt and request that this company provide me with documentary evidence which shows that I legally owe you this alleged debt. I am also aware that this company has violated the Fair Credit Reporting Act by reporting unfair and inaccurate information as according to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) information solely as to transactions or experiences between the consumer and Simons Agency INC should be excluded from personal reports. I am saddened to see that this company thrives on deceiving its consumers and hope to find a resolution to this problem.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( AMERICAN HONDA FINANCE ) has violated my rights.Under 15 USC 1681section 602 states I have the right to privacy. 15USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.Under 15usc 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

I received XXXX credit card denials for cards i didn't applied for, 1 card that was granted that I never applied, and 1 that asked for more info. 
I placed a fraud alert at XXXX and XXXX Denials : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Credit card opened through Citizens Bank under my name and social. Contacted Citizens Bank, purchase deemed fraud due to conflicting address, email address and phone number. Purchase made in amount of {$7700.00} and left unpaid. Our credit score dropped from XXXX to XXXX, and I didnt hear about any of this until I tried to co-sign on a home loan for my son. I need my credit score restored, card cancelled and debt removed. You ask for the billing address of the credit card. We never received a statement. The billing address used for purchase and card is NOT our address.
Product: Debt collection

The client XXXX XXXX XXXX and debt collector Wakefield & Associates reported medical debt to all three bureaus. It was an emergency room visit out of state that shouldve been covered by NY XXXX. I never received a bill for this. My attempt to dispute failed. I contacted Wakefield and told the representative I had insurance on the date of service - XX/XX/17 and he was concerned about collecting the debt. We settled for {$850.00} out of the full balance because we thought this was our only option to get it off my report. They first reported that we still owed {$490.00} which brought my score down but it was eventually deleted. I even emailed this company with no reply. I recently found that NY XXXX did pay them {$66.00} and according to the XXXX   representive it was very illegal for them to charge me when I had XXXX. It shouldnt of went on my credit report to begin with. Now we have to seek legal action. Ill attach the Explanation of Benefits from XXXX and HIPAA letter.
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : -XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX -XXXX XXXX on XX/XX/XXXX As such , it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning XX/XX/XXXX until XX/XX/XXXX I acquired approximately 7 different loans from XXXX student loan service. I was faced some difficult times during years XX/XX/XXXX-XX/XX/XXXX, at this time I was placed in a loan repayment program where I was paying XXXX XXXX a month for 1 year. Once the year was completed all the loans with XXXX were purchased by XXXX my current loan servicer and are now reporting current and up to date. I have disputed twice before with all credit bureaus asking for a deletion or even a simple status adjustment from XXXX. The credit bureaus disputed but results came back saying to contact XXXX. I reached out to XXXX via phone and they refused to assist me and sent me back to the credit bureaus. I wrote a good will letter and sent it in certified mail to XXXX asking please to provide a status adjustment to atleast current since they wont delete the information off my report. The information being reported is duplicated because the same exact information is being report accurately by XXXX. 
Loans : Opened XX/XX/XXXX {$3500.00} and {$6000.00} Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX. All loans listed above were consolidated by department of education and is now reporting XXXX in total and current.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some concerning information on my credit report. Upon reviewing my recent credit report, I discovered several accounts that I did not authorize or open. These unauthorized accounts are negatively impacting my credit score and financial well-being. I request your assistance in investigating and resolving this matter promptly. 

Below are the details of the unauthorized accounts : XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX I declare that I did not apply for, authorize, or have any knowledge of the existence of these accounts. It appears that my identity may have been compromised, and fraudulent activity has occurred in my name. I have taken immediate steps to secure my personal information and have also filed a report with the FTC. 

I kindly request that you conduct a thorough investigation into these unauthorized accounts and remove them from my credit report as soon as possible in accordance with the FCRA guidelines.
Product: Credit reporting or other personal consumer reports

I have not requested this company to access my Experian consumer reports. They have committed identity theft by not getting my permission. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against my financial institution, Revolut, for denying my right to a fair chargeback for goods/services not received. The transactions in question occurred on XXXX XXXX XXXX XXXX XXXX. I have listed them below along with the relevant details : Transaction : Date : Merchant : Amount : XXXX XXXX XXXX XXXX XXXX {$40.00} XXXXXXXX XXXX XXXX {$28.00} XXXX XX/XX/XXXX XXXX {$39.00} XXXXXXXX XXXX {$44.00} XXXXXXXX XXXX {$45.00} XXXXXXXX XXXX XXXX {$26.00} XXXXXXXX XXXX XXXX XXXXl {$26.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XX/XX/XXXXXXXX XXXX XXXX {$25.00} XXXX XX/XX/XXXX XXXX {$34.00} XXXX XXXX XXXX XXXX {$27.00} XXXXXXXX XXXX XXXX XXXX {$47.00} XXXX Its important to note the billed XXXX XXXX XXXX ( XXXX ) because the merchant billed for these services that were not provided nor purchased, and each of the merchants listed I have never heard of before. 
Despite my repeated attempts on XXXX XXXX XXXX XXXX to resolve the issue with Revolut, they have continuously denied my requests for a chargeback. I firmly believe that as a consumer, I have the right to a fair resolution when goods or services are not received as promised. 
I have provided Revolut with all the necessary evidence, including proof of purchase and attempts to contact the merchants involved, to support my claim. However, their denial of my chargeback requests has left me feeling frustrated and unfairly treated.

I kindly request your assistance in investigating this matter and ensuring that I receive a fair and timely resolution. I believe Revolut should be held accountable for their failure to address my legitimate concerns and honor my consumer rights.

" I would like to point out that Revolut has repeatedly stated that they can not submit my chargeback due to card scheme rules. However, I want to clarify that this statement is incorrect. According to XXXX chargeback reason code XXXX, which falls under the 'Consumer Disputes ' category, the shorthand description is 'Merchandise/Service Not Received. ' This reason code explicitly states that the cardholder can dispute a transaction by claiming that they never received the merchandise or services they purchased. Therefore, Revolut 's assertion that they can not submit my chargeback based on card scheme rules is unfounded. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered quite by accident by reviewing our credit reports that the credit score dropped from XXXX to XXXX or 78 points. The reason provided was that our mortgage company reported an increase in the balance owed of {$2000.00}. Of course I immediately contacted Freedom Mortgage ( this is a VA guaranteed loan ) who stated that they had made a mistake that our status should be in " Forbearance '' pursuant to the Cocid-19 Cares Act. Which in essence pauses everything for up to 180 days. They confirmed that they had my request in writing and was immediately making the change in their records. I asked them to rescind or correct the derogatory information that they provided to the credit bureaus. They said they would do so. It is now XX/XX/2020 and after at least three follow up calls I still have not received a requested confirming e-mail to that affect nor a correction of the credit reports. 

Simply stated we should be protected by the Cares Act while we are in Forbearance status. They can't change the terms of the note, trust deed etc. without having both parties agree in writing.
Product: Debt collection

Please I need you to look into the debts that is on my name that I have no idea that they exist to begin with. 
Starts from the phone numbers that used to be used by my ex-wife and ex father in-law that I never possessed before. 
Credit cards and loans
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( XXXX, XXXX, Equifax ) and I noticed some late payments posted on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the XXXX payments will result in legal action being taking Remove XXXX late payment. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX XXXX XXXX and I've decided to write this statement on my own behalf. Per 15 USC Code 1681- 2 ( a ) ( 1 ) ( a ) & ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not reflect on my credit reports as they violate my rights as a federally protected consumer. According to the federal codes listed above, they summarize that it is NONPERMISSIBLE for a consumer to report anything under any circumstances, without my legal and written consent or instructions. No consent constitutes identity theft and fraud. As a federally protected consumer, I am exercising my rights and demanding the removal of all the listed accounts mentioned in this report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2009 This XXXX XXXX XXXX ( CRA ) has been reporting negative unverified information about my personal and private property the Registered Organization XXXX XXXX XXXX XXXX. This CRA has never received Consumer 's written consent to sell his private information/property to any third party creditors. This CRA is also guilty of Identity Theft as XXXX, XXXX never provided CRA with his name or the State of Michigan 's Registered Organization 's name of XXXX XXXX XXXX XXXX XXXX address, phone number, social security number or birthday all the above-mentioned information was stolen by CRA and used to XXXX. CRA procured my private information unlawfully and without XXXX 's written permission or consent and sells it to third party creditors. I demand This CRA remove all information that was not provided to it by Consumer XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX and compensate Consumer for the unlawful procurement and use of Consumer 's private information.
Product: Credit card or prepaid card

I keep getting random charges on my card even tho i never use it anymore and i paid in full already. When i call to ask what the charges are they have no answer or give the same answer as the charges before. This conmpany is stealing from people im just the first to notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Credit card or prepaid card

Attempted to withdraw funds from ATM. Machine did not dispense funds. Money was still debited from my account and has not been returned. Company has not done a timely investigation or made attempts to return the money to my account.
Product: Student loan

I have been charged a payment that is more than the XXXX % requirement for years. I am struggling with the payment and was denied for interest only repayment, denied to lower my payment so now might be forced to forbearance. Accrued interest will still occur during this year time and I do plan on making payments even though I 'm not required to try to keep this from happening. I have been paying for XXXX years and some of my loans are STILL above what I borrowed, that 's how much interest they have charged me over the years. At this point, I do n't know how I 'm ever going to be able to pay them back. I struggle to pay the {$410.00} a month and am not seeing balances go down. Is heartbreaking honestly.
Product: Credit card

In XXXX, 2016, I signed a contract with a " matchmaking '' service and charged the fee, {$5500.00}, on my XXXX XXXX card. That promised service was not provided, and I contacted XXXX to deny payment to the company and credit my account- I provided detailed information as to what happened and why the payment should be denied. In XX/XX/XXXX, the sale of the XXXX COSTCO credit card business to Citi was completed, and Citi took over the " investigation ''. There 's no evidence that Citi did anything other than accept a ( false ) statement from the merchant at face value and denied my complaint in a letter I received this week. In the letter, they also threatened to damage my credit standing if I did not pay the bill immediately. In fact, the bill about been paid in full, including the disputed charges, a month earlier. I responded with a letter, complaining about their decision. I have also filed a complaint ( pending ) with the Office of the Maryland Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax a credit report dispute concerning their file number XXXX dated XX/XX/XXXX which disputed information contained in this report. My dispute letter was dated XX/XX/XXXX. They did not correct all the items indicated in my dispute letter. Also, they did not provide documentation supporting the uncorrected information, but rather parroted the verification of the entity that originally submitted the adverse information to them. In otherwords they did not do a first hand investigation of the adverse information as required by law. The courts have ruled in Cushman v. TransUnion, 115 F.3d 220, 225 ( 3rd Cir. 1997 ) and Stevenson v. TRW ( Experian ), 987 F.2d 288, 293 ( 5th Cir. 1993 ) that this type of verification is inadequate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Date : [ Insert Date ] I C System, Inc. 
Attn : Compliance Department XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Cease and Desist Demand and Immediate Removal from Credit File Dear Sir/Madam, I am writing to demand that I C System, Inc. immediately cease all communication with me and discontinue any collection, storage, sale, or sharing of my personal information with any third party, including credit bureaus. I have never conducted business with your company, nor have I given any verbal or written consent to store, collect, or share my information in any form. 
Additionally, I am requesting that your companys information, along with any associated account, be immediately removed from my credit file with XXXX. I am exercising my legal rights to demand the cessation of any unauthorized actions involving my personal information. 
I have filed an Identity Theft Report with the Federal Trade Commission ( FTC ), ( # XXXX ) which includes your company as one of the entities that unlawfully obtained, stored, and/or shared my personal data. As a result, I am demanding that I C System, Inc. comply with the following : 1. Cease All Communication and Contact : Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c, I am requesting that you cease all communication with me in any form, including by phone, mail, or electronic communication.

2. Stop the Collection, Storage, Sale, or Sharing of My Information : Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801, you are prohibited from sharing or selling any personal financial information without my express written consent. As I have never provided this consent, your actions violate this law.

3. Removal from Credit File : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to remove any fraudulent information related to my name from my credit report. This includes ensuring that any information regarding your company and any account associated with me is immediately deleted from my credit file with XXXX. 
4. Confirmation of Compliance : Please provide written confirmation within 10 business days that you have ceased all communications, removed my information from your system, and ensured that no fraudulent information related to your company appears on my credit report.

Please be advised that if you fail to comply with these demands, I will take appropriate legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and initiating legal proceedings to enforce my rights and seek damages for any harm caused by your actions. 
I expect your immediate cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # beginning 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 or other personal consumer reports

* On XX/XX/XXXX, I enrolled in XXXX XXXX XXXX XXXX. Macy 's was included in this program. 

* On XX/XX/XXXX, Macy 's, through their legal representation of XXXX XXXX XXXX XXXX, was paid via transfer through XXXX XXXX XXXX 's bank {$1100.00} which was the agreed-upon settlement amount. 

* It is stated on my credit report that {$1700.00} was charged off with a balance of {$600.00}. 

* I have filed disputes on XXXX, XXXX, XXXX. 

* I have submitted documentation showing payment in the amount of {$1100.00} which was the agreed-upon settlement amount with XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Good afternoon. I recently applied for the Citi XXXX XXXX XXXX Credit Card, however I was denied without a detailed reason. The application ID is XXXX. I am writing today to see if someone can please contact me to go over any concerns they may have and fix whatever is causing this denial. I am confused that I got denied because I have XXXX credit score and can not seem to figure out why I got denied. Years ago I was a victim of identity theft and someone got access to my accounts and were making purchases etc. I reported this to all the credit card companies I did business with and all maintained great communication and immediately added additional security to my accounts to avoid anyone from getting access. To date I have not had a single problem with any of them. Citibank on the other hand had closed all of my accounts and I never knew the reason why, I simply assumed it had to do with the Identity theft, because I saw from a letter sent to me that one of the accounts was being mismanaged or something like that. I only wished someone would have contacted me when the unusual activity was taking place to review and put in place immediately additional security to avoid any damage to my credit with Citibank. I didn't know what was going on until I noticed that one day none of my Citi Bank accounts were appearing when using the Citi app on my new phone. Please I truly want to come back to enjoy the great customer service and benefits I was receiving. I am a strong believer that communication is key to success and solutions. I am attaching my recent credit card application and the old police report I was given when my wallet, laptop, phone etc. were stolen for reconsideration.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>