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

I hope this letter finds you in good health. I am writing to express my deep dissatisfaction and frustration regarding the multiple unsuccessful attempts I have made to remove fraudulent items from my Credit Report. I believe it is essential to address this matter promptly and seek a resolution to rectify this ongoing issue.

I want to emphasize that I have followed all the prescribed procedures outlined by your company for reporting and removing fraudulent items. However, despite my repeated efforts, the issue remains unresolved, and the fraudulent items continue to affect my credit scores.

The persistence of these fraudulent items has not only caused me financial distress but has also eroded my trust. As a loyal customer, I had expected a higher level of service and security, which has regrettably been lacking in this situation.

I kindly request that you take immediate action to investigate and rectify this matter. I expect a timely response, detailing the steps your company will take to resolve the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from occurring in the future and to consider compensating me for the inconvenience and stress caused. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further by seeking legal remedies and notifying relevant authorities about the fraudulent activities. I am pleased for your assistance to remove these following items held by the Equifax and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

TransUnion keeps sending me this dumb letter every time I mail in a Dispute. I ask Transunion to delete Inaccurate Information off my credit report, I have NO middle name I have attach my birth certificate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX
Product: Checking or savings account

On the XXXX of XX/XX/2021, my account was phish scammed and they removed {$2500.00} from my account through XXXX, as they attempted to call me from XXXX XXXX XXXX, without my knowledge or consent. I called Citibank as soon as I noticed and put in claim for the issue, Reference - XXXX They didnt make any attempts to contact me or freeze my account when the scam went and charged my account 20 separate times for amounts of {$120.00}, in fast successions. They did nothing to stop these transactions or notify me. 

Another call was made to my spouse who is on the joint account, but asking for me, and about the situation. Another phishing attempt, and I reported this to, to Citibank instantly with numbers, and contact information, that I do not have on me at the moment, but have the Reference number for the claim - XXXX Over a week passed, and on XX/XX/XXXX, I contacted Citibank, wondering where my funds were, as I could no longer pay bills now because my entire checkings was removed. They informed me the claim had been denied, with no other information online.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX .... Balance XXXX {$4400.00} ; XXXX XXXX XXXX XXXX XXXX  .... Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX .... Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX... 
Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX, XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX
Product: Checking or savings account

I lost my wallet on XX/XX/XXXX which had my pin and my card in it when I realized I lost my wallet I checked my capital one app and seen XXXX dollars was taken from my account I called and filed a dispute but capital one denied my dispute and told me that the transaction was authorized by the account user and it wasnt
Product: Checking or savings account

On XX/XX/2024 I made a purchase for a package from XXXX totaling {$310.00} using my Chime debit card. The package was supposed to be delivered by XX/XX/2024 but I never received it. Despite multiple attempts to contact the merchant to resolve the issue, I was unable to get a refund or replacement for the undelivered package. 

I filed a dispute with Chime on XX/XX/2024 providing all relevant evidence, including [ e.g., order confirmation, tracking details, communication with the merchant ]. However, on XX/XX/2024 Chime denied my dispute without adequately addressing the supporting evidence I provided. 

This has caused me significant financial inconvenience as I paid for a product I never received. I believe Chimes denial of the dispute is in error, and I am requesting their assistance in recovering my funds.
Product: Payday loan, title loan, or personal loan

I received the loan ( Application XXXX ) from Rushmore Financial on XX/XX/2020. I asked the man who authorized my loan if I would be able to pay the loan off early without penalty and he said yes. The loan was for {$700.00} with my first payment due on XX/XX/2020. I called Rushmore Financial on XX/XX/2020 to pay the loan off in full. The customer service representative informed me that I needed to schedule my payment more than two days in advance of a payment that was already scheduled and would be required to pay the first fee of {$310.00} that was already scheduled. None of this payment would be towards principal. I emailed the company to complain about the rejection of my payment. I received a response that I needed to pay more than two days in advance. I called today, XX/XX/2020, to pay the {$700.00} balance, which is twenty six days in advance. The customer service representative informed me that I owed an additional {$310.00} in fees because I did not call twenty four hours after a scheduled payment. She stated if I was not paying the full {$1000.00}, she would not receipt any money towards principal today. I then emailed the company again to verify the conversation from the phone call and they replied that I would need to pay the additional {$310.00} in fees. I do not want to continue the payments that are scheduled as the next 2-3 payments are fees only and every payment after that is only 5 % towards the principal amount. 

I requested a copy of my loan documents and have not yet received them. I went back to the email that was sent for me to sign the loan and the link no longer works and I can not obtain my documents online.
Product: Debt collection

The company has provided myself and the CFPB a debt validation letter that includes a medical diagnosis of the alleged patient, but have not provided a signed HIPAA release form. That is a HIPAA violation and this debt must be removed immediately, or they will face fines and legal action.
Product: Debt collection

Portfolio Recovery Associates placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtor in writing before placing account on consumers credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER SEVERAL ATTEMPTS WITH SUPPORTING DOCUMENTATION ALL 3 CRA 'S MENTIONED HAVE FAILED TO THOROUGHLY INVESTIGATE, PROVIDE PROOF AND/OR REMOVE THESE FRAUDULENT ITEMS FROM CREDIT PROFILE. 

XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Capital One regarding the closure of my account on XX/XX/year>, and the unauthorized conversion of my accumulated XXXX reward points into a {$2600.00} statement credit. This action was executed without my prior knowledge or consent, which I find to be highly unethical and unprofessional. 

The primary reason for my association with Capital One has been the accumulation of reward points for transferring to my airline loyalty account, with the intention of redeeming them for flight tickets valued at over {$10000.00} USD. The forced conversion of these points into statement credits, at a significantly lower value, not only undermines my financial planning but also violates my consumer rights. 

I am not concerned with the reasons behind the closure of my account. My primary focus is the restoration of my XXXX reward points. The reward program was the sole reason for my choice of Capital One over other banks or credit card options. 

Through this complaint, I urge the CFPB to facilitate a dialogue with Capital One to resolve this issue by reinstating my reward points and allowing their transfer to my airline loyalty account as per my original intention. If Capital One fails to comply, I am prepared to pursue legal action, including a small claims lawsuit, to seek compensation for the direct and potential losses incurred due to their actions. 

Your prompt attention to this matter would be greatly appreciated, and I look forward to a swift and favorable resolution.
Product: Vehicle loan or lease

Toyota Financials website advertises a {$500.00} rebate for recent college graduates and deferred payment for up to 90 days. 

When I purchased my new XXXX last month, the salesman confirmed the existence of this program in the state of Colorado. However, when I finalized my loan with the finance department, the representative denied the existence of such a program. I meet all of the following criteria outlined on Toyota Financialss website : XXXX XXXX XXXXXXXXXXXX
Product: Vehicle loan or lease

ONCE AGAIN CHASE AND THE DEALERSHIP FAILED TO PROCESS TITLE CORRECTLY AND HAVE NO LIEN OR TITLE ON MY CARD. SEE LETTER FROM THE STATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non Account holding Inquiries on my credit report which I did not authorized. I sent a letter to Equifax explaining how I did not authorized the credit inquiries yet they still continue to report them on my credit report. Here 's the inquiries : XXXX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit card

I'v had a credit card through Avant since XX/XX/year>. When I signed up there was no annual fee. Now after having this credit card for 2yrs 8mo, I find out they've been charging me an {$8.00} monthly fee since XXXX XXXX2yrs 3mo after opening said account. That's {$44.00} in the past 5 months! This is all happening without me being notified and/or without giving me any reason for this. I literlly have 5 other credit cards and have never heard of this. Let 's not forget when I applied for the Avant Card, I was applying for a card with no annual or monthly fee. I'd like to get all these monthly fees removed and continue with the card as applied for. Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/2022 Ally financial reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified dispute letter on XX/XX/XXXX and XX/XX/2022. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

EXPERIAN, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.

Failure to respond in a satisfactory manner within 30 days will result in a small claims action against your company.

I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau.
Product: Debt collection

I have sent multiple certified letters to the collection agency in attempts to provide validation as to who this collection is for, but they continue to provide me with a letter stating that the debt is valid, but nothing bearing my signature.
Product: Credit card or prepaid card

I have had this account open for several years. In late XXXX of 2017, I changed my checking account and updated the new information in XXXX 's system. I believe the exact date was around XX/XX/ that I changed my payment method. 

It was around this time that XXXX changed their servicing system from one platform to another ( and in that time frame also raised their late fee from {$27.00} to {$37.00}, incidentally XXXX. 

My payment which had always been deducted automatically was not processed on XX/XX/XXXX. After XX/XX/, I received a statement showing that my balance was past due, and that I had incurred a large past due charge. I immediately contacted XXXX by phone, and they instructed me to update my payment information over the phone, which I did. 

After XX/XX/, I again received a statement this time showing a payment past due in the amount of {$120.00}, which included the past prior XXXX months, plus late fees and accrued interest. I again immediately contact XXXX, asked to speak to a supervisor, and again updated my payment information. I was assured that my payment would be processed onXX/XX/XXXX and that my account would be caught up. On XX/XX/XXXXXXXX attempted to debit my prior, out of date, checking account, which at this point had been closed for over 2 months. This information should not have been in their system at all. I received a letter detailing this event datedXX/XX/XXXX, that I received aroundXX/XX/XXXX. I again contact XXXX, explained the situation, and a rep mentioned that " the old system must have tried to process my payment '', or something along those lines. 

At this point, aroundXX/XX/XXXX, frustrated, I once again called, was told that my payment was already setup for XX/XX/, correctly and would be debited. After XX/XX/XXXXI checked my account online and found that the payment was not debited. 

At this point I manually made a payment myself via my bank for {$120.00}, which posted to my account on XX/XX/. My regularly scheduled payment, which should have been processed onXX/XX/XXXX, once again did not happen. OnXX/XX/XXXXI once again made a payment online for {$120.00}, bringing my account current. 

Over the course of these months, XXXX repeatedly failed to communicate, and incorrectly attempted to debit either my old checking account, or simply didn't make any attempt to debit any account for the payment that was previously arranged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 card

i did not authorize any purchase on my kohls card $ {$2700.00}
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/2022, I received a text on my cell phone asking if I had made a transaction of {$2000.00}. It mimicked the exact language in previous authentic fraud alerts I had received. At that point I responded no, and immediately received a follow-up call from someone saying they were with Chase Fraud Prevention ( again, similar to the authentic process ). 

In discussing the supposed charge with the individual on the other end of the line, he repeatedly expressed the gravity of the situation, identified some of my key personal details ( leading me to believe he was a Chase employee ) and even sent a verification code to my phone from another number. At that time I looked up the phone number he was calling from again and it matched the number listed on the back of my debit card. 

In the midst of this, he was expressing to me how this charge would make me overdrawn ( which was true, and led me to further believe that he was in fact a Chase employee given that he knew my balance somehow ). I continued to grow very scared and nervous and was not thinking straight. After he sent protocols for how the charges could be reversed, I was unwittingly tricked into initiating an electronic funds transfer of {$500.00}. After seeing that the process did not follow the steps that the third party on the other line outlined, I became suspicious and upset. When my husband got on the phone, the caller hung up. 

Immediately afterwards, I called Chase ( my financial institution ) to report the fraud. The first customer service rep I spoke with indicated that they couldnt do anything and transferred me to the fraud department. The representative at the fraud department indicated that she could seemingly just delete the recipient from XXXX to take care of it, but that she would still need to transfer me to someone else to file a claim. It was at that time I provided all of the information regarding how I was induced by someone pretending to be a representative from Chase into providing funds and account information. 

What is most unsettling ( and what I feel to be clearly in contrast to their supposed policies ) is that the representative herself acknowledged/admitted that she doubted that the responsible department would even open a courtesy investigation. How am I supposed to trust the security and protection of my bank if their own representatives ultimately tell their clients that they can not do anything and that it will likely not even be looked into? This is a blatant acknowledgment of not following the protections, promises and policies that they publish in their customer agreement documents. Also, if someone is able to impersonate a Chase employee with such accuracy, it appears that that suggests a lacking in security and authentication efforts. 

This is all just very unsettling. While it was difficult enough to feel the violation of such a crime, it felt just as debilitating to have my bank simply turn their backs on a family who has been a good customer for a long time.
Product: Credit card

Apple Card with Goldmen Sacs has closed my card effective XXXX I have had the card for approximately 6 months made on time payments with no issue and multi payments in a month with over {$6000.00} in payment. 

I received a generic response via email stating-There was a failure to comply with the terms of the Customer Agreement. 
When I called apple card support, they are not able to provide any information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  had a breach of security to where my personal information has been released to the dark web. I was never notified and they locked my card without reissue of a new one. Thus company continued to draft monthly payments from my checking account. I have been under to use this card to assists in my credit building due to thier actions. I called and spoke to a representative who was automated. Which did not fix the problem. I spoke to three live representatives and they mislead me in telling me my card was not locked when it was. Can someone please help. My personal information has been exposed due to thirr data breach which they inevertanlly locked my card secretly and did not notify me of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS USED WITHOUT MY CONSENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS .. 
I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian XXXX. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.