23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Subject : Request for Verification of Accounts To whom this must concern : I am writing to formally dispute certain accounts listed on my credit report as of [ insert date of report ]. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I respectfully request that you verify the following accounts : XXXX. XXXX XXXX Acct # XXXX XXXX. Midland Credit ManagementXXXX Acct # XXXX XXXX. Midland Credit Management- Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXXXXX Under 15 U.S. Code 1692c, I am entitled to dispute these debts and request validation of the abovementioned accounts. Moreover, under 15 U.S. Code 1692 ( e ) ( 3 ), it is unlawful for any debt collector to mislead or deceive consumers regarding the legal status of any debts. 

Further, pursuant to 15 U.S. Code 1681i, you are required to conduct a reasonable investigation when I request verification of the accuracy of information in my credit report. If these accounts can not be verified as accurate within the required time frame, I expect them to be deleted from my credit report. 

Please respond in writing with verification of the above-listed accounts within 30 days of receiving this letter. If verification can not be provided, I kindly request the removal of these accounts that are still reporting with a balance from my credit report to comply with federal regulations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account 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  has violated my rights. 

15 U.S.C 1681section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. EQUIFAX XXXX {$7000.00} XXXX XXXX {$7000.00} USDEPTED XXXX {$2100.00} USDDEPTED XXXX {$1700.00} XXXX XXXX {$4500.00}
Product: Money transfer, virtual currency, or money service

I have actively input {$30000.00} USD into a Coinbase account over the past week.. on Friday XX/XX/22 my account was closed, no information was given as to why, and I can not access my crypto, USD, or anything. They are unwilling to resolve the issue over the phone and they have my assets tied up with zero way for me to access them and an unlimited downside risk in case of a market crash. They are unresponsive and unable to provide any information regarding my status. I have read dozens of similar situations where resolution took MONTHS and I do not have months available for unlimited risk to the Downside in the event of a market crash. I have zero access to my money.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/XXXX, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to these fraudulent investment companies.

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity and properly communicate to the customer that such activity meets the relevant criteria of fraud. 
On XX/XX/XXXX, Bank of America wrote in a letter Contrary to your letter, Bank of America did not breach their duty of care as we followed the instructions that you provided. We did not have any involvement in the scam. The account that received the funds from your wire transfer was held at XXXX XXXX XXXX, and we do not have any knowledge of the status of the accounts held at their bank. 
It is unfortunate you were a victim of a scam and you have our sympathies. However, Bank of America is not liable for the transaction you sent. We did what we could in attempting to recover your money on your behalf. We understand that this is not the response you were seeking however it is Bank of Americas final position in this matter. 

As regards to the detection of fraud and financial abuse, it says the organization should have measures in place across all payment channels and products to detect suspicious transactions or activities that might indicate fraud or financial abuse such as sudden changes to the operation of the account ; Unusual transactions are transactions whose amount, characteristics and frequency bear no relation to the economic activity of the customer, exceed normal market parameters or have no apparent legal justification. 
Bank of America are yet to show, or otherwise provide me with, a compelling argument that their wide-ranging experience and wealth of specialist knowledge in detecting transactional anomalies were not sufficient to avert the fraud at issue. 
If it was, indeed, solely my responsibility, we must then believe at least one of the following clauses : a ) financial institutions have absolutely no role whatsoever in preventing and detecting fraud, b ) the fraud in question was not reasonably foreseeable, or c ) the transactions in question were not sufficiently alarming. It is extremely unfortunate that Bank of America pushes quite hard for me to believe all three of these thingsdespite evidence to the contrary. 
In summary, I respectively ask your organization to consider my points, given your personal and companywide obligation to provide a fair and reasonable investigation into the complaint. I look forward to your input and would gladly cooperate to reach a fair and reasonable outcome.
Product: Credit card

Dear XXXX XXXX Customer Support, I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding fraudulent activities on my account with XXXX XXXX. 

I recently returned from a XXXX tour in XXXX, XXXX, and upon my return, I discovered that multiple accounts were opened in my name without my knowledge or consent. It is evident that I could not have initiated these transactions, as I was XXXX during the time these accounts were opened. 

To support my claim, I have attached the following documents : Military Orders : Providing evidence of my XXXX to XXXX, XXXX during the period in question. 
Police Report : Filed to document the fraudulent activities and initiate an official investigation. 
FTC Report : Submitted to the Federal Trade Commission, detailing the identity theft and fraudulent accounts associated with my name. 
I am not seeking any monetary relief from Revvi ; however, I urgently request your assistance in rectifying this matter. The fraudulent individuals not only opened multiple accounts in my name but also overdrawn bank accounts, causing significant distress. 

Last 4 : XXXX XXXX XX/XX/year>XXXX  For your reference, please find my correct contact information below : Correct Contact Information : Phone : XXXX Email : XXXX I kindly request that you promptly investigate and take necessary actions to remove these fraudulent accounts from my credit report. Your cooperation in resolving this matter as soon as possible is greatly appreciated. 

If you require any further information or clarification, please do not hesitate to contact me at the provided legitimate contact details. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Mortgage

Since they bumbled my initial modification ( lost my paper or held my papework ) XX/XX/XXXX Mr Cooper has yet again used practices to confuse me and be malicious. They have purposely bogged this process down and have been waiting on documents that have been already submitted i asked for all documents associated with modification to be sent to me so i can forward the information to people that can help mr cooper sent me a letter stating they will send it no later than XX/XX/XXXX. Meanwhile i applied for the hemap loan and they told me on XX/XX/XXXX they sent notice to mr cooper. Mr cooper responded like they said .... ANOTHER KNOCK ON MY DOOR BY A MAN IN A RED XXXX who was upset that i wasn't home and wanted to know where i was and asked a bunch of question to my neighbors daughter who just so happened to be there cause he was looking in the window. What happened to just leaving it under the door like you guys have done twice before now we have interrogators. I would have been in a modification XX/XX/XXXX or janurary XXXX but they held my documents then ask me to submitt the same documents again through the same method that caused uncesserry hardship no so i filed and kept filing and they kept appling interest etc and now im waitign on this descion from the commonwealth and they are so eager to follow thier interpretation of the law they forget that im tryign to get assistance or that they havent given me any documents showing the paper trail
Product: Credit card

I was at the airport and was approached by a XXXX Airlines representative who offered me a free club to earn airline points. He never mentioned a credit card application, credit card fees, or, in fact, the words " credit card '' at all. He asked several questions which I unfortunately answered. After answering several questions, I began to suspect that I was unknowingly applying for a credit card, so I stopped answering questions and said I did not want to apply for the card. He agreed to cancel the application and I thought he had, until XXXX weeks later when I received a credit card. 

I cancelled the card through Bank of America ( not the problem company ). When I cancelled the card, the Bank of America representative told me that the credit card has an annual fee. The fee was not disclosed by XXXX. She suggested that I call XXXX to complain. 

After calling XXXX and navigating a menu clearly designed to prevent contact with a person, I eventually reached soneone who told me I could n't talk to a manager because I had to complain with the airport staff. When I objected to this, I was told that I could submit a complaint through their website. When I asked if I would get a response to the complaint, I was told that I would get a website-generated confirmation that my complaint had been submitted, but I could not get an answer when I tried to find out if I would get a response from an actual person who had read the complaint. 

XXXX processed an application for credit in my name without my consent then did not allow me to speak with anyone to complain or to try to resolve the problem. I do not know if they are going to charge me the annual fee for the credit card for which I did not apply.
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. 

XXXX : # XXXXXXXX XXXX XXXX  : # XXXX US DEPT OF EDUCATIONXXXX : # XXXX 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: Money transfer, virtual currency, or money service

I bank with USBANK. There was an unauthorized XXXX transition for {$2300.00}. I contacted USBank fraud liaison immediately ( same day ) of this fraud. Two weeks later they stated my request was denied. 

Need a refund for full amount.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE XXXX  DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 





XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

The following is an explanation of the background and issue I have had with Capital One. 
I had purchased a XXXX vacation program in XXXX XXXX. The XXXX vacation membership program I purchased included a " XXXX '' benefit where the owner would be reimbursed for the time share maintenance fees in exchange for XXXX to have rights to the timeshare for the corresponding week. I submitted my time share for cash exchange and was advised that it would not be accepted since the all-inclusive was mandatory for the time share. This exception was not disclosed to me at the time of the purchase of the vacation membership program. I was also not advised that there was a service fee for the cash exchange and that the week had to be reserved for a specific week of the year. The XXXX XXXX was the primary reason I purchased the membership program. XXXX has not paid the maintenance fee for my time share as they agreed to in the contract. I contacted XXXX after receiving the XXXX email and was advised that they would not honor the cash exchange for my time share. I requested a refund and was advised that they would not refund the charge for the membership. 
The merchant has not addressed the issue during any part of this review. The information they responded with did not in any way address the issue. 
I have contacted the Merchant, XXXX XXXX XXXX XXXX, the merchant, several times and left my contact information. I have not received a return call. My most recent message was on XXXX XXXX, XXXX. I sent an email to the merchant and they did not respond to the issue. 
A second opinion from an attorney was provided to Capital One indicating that the Merchants actions were considered fraudulent in nature. 
A second opinion from another merchant in the same field was provided to Capital One indicating that the Merchant 's actions were considered fraudulent in nature. 
When I learned that the merchant did not disclose the pertinent information about the vacation program to me and because of that I could not use it, I requested Capital One to dispute the charge. I have provided an explanation of the issue and second opinions from an attorney and another merchant to Capital One. All of the documentation requested by Capital One was provided. Capital One has not addressed the issue with the Merchant. The Merchant has not responded to the issue. There is no mention of the cash exchange in the Merchants correspondence. The second opinions clearly state the actions by the vendor were fraudulent. Capital one has not clearly stated why the dispute was considered resolved in their opinion. Capital One has not appropriately addressed this issue.
Product: Debt collection

Received email from a purported " Harris & Harris , Ltd '' indicating a debt was owed by a medical company, for a XXXX XXXX XXXX XXXX No additional information regarding the initiating service that debt was owed, or any indication prior communication was sent regarding money owed. When attempting to call and or email to dispute, no response nor indication was given in receipt or to confirm this request is legitimate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX also Account # XXXX XXXX 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: Checking or savings account

Round about 8 months ago I thought I was being charged for an account that's been closed I tried to address it with the support from Dave banking I was told my calendar been closed they had no other information for me it was explained what a monthly membership was like I was remedial I explained to them through eight more emails that I didn't have an account with them so I didn't need to be charged the monthly membership only to still be charged 6 months later when I looked at my statements and I went through a 17 emails this time they've asked for information like my last four socials my name birthday and give them all this information they told me they would straighten it out now 5 days ago 6 days ago I was told they're going to investigate it my question is why are you investigating I didn't take your money you took my money to support people have said you took my money and I don't have an account why can't you give my money back and that that makes no sense they're just for lack of a better way of putting it giving me the runaround I guess and that's not acceptable in the level of support that I've received from these people is not acceptable I have 8 months to open this time just wasted and can't get anybody to respond through an email with any question I have
Product: Credit reporting or other personal consumer reports

My XXXX XXXX its showing on my credit part the account is paid off and closed
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXXXX XXXX and XXXX Department of education student loans. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, late payments and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Received a text message from a debt collection company, included below. They are searching for an individual who I do not know. We only share a last name. Gave many details about debt. 

XXXX XXXX, We are the collections firm retained to handle your account on behalf of our client XXXX XXXX XXXX XXXX, regarding your business XXXX XXXX XXXX XXXX as it is now in default status : Date of default : XX/XX/2021 Default Balance : {$48000.00} A payment must be made and a payment plan must be set up with our office to avoid legal proceedings. 

Please provide the last three months of bank statements for review. 

Give me a call at the number below, or send me an email back, to discuss your account and get this taken care of and avoid litigation. XXXX
Product: Credit reporting or other personal consumer reports

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX is alleging that I owed an amount of {$9100.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Began in XX/XX/XXXX, fraud for {$790.00} on XXXX XXXX Master card, XXXX, also affected my checking acct. end. XXXX. Made credit card pymt via my XXXX debit card on XX/XX/XXXX for {$200.00}. Internal banking error on this date. Instead of my debit card, unknown Visa card XXXX, charged for my payment. Upon discovery by bank, they debited my Master Card, above limit, debited my checking acct., overdrawing it. 
All my communication, two years to them resolved nothing until I submitted a judgment against them. Legal dept called, offered me approx {$1500.00}. to settle ; which I did in XXXX. Rec 'd cashier check. 
XXXX XXXX XXXX reports 'Charge Off ' on Mastercard for high amount, will not remove it with my credit report dispute, has ruined my credit. I explain all, they have no 'knowledge ' of settlement, or acknowledge proof I send.