23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Police Report XXXX XXXX XXXX XXXX XXXX  and FTC Identity Theft Affidavit ( XXXX XXXX XXXX ) are attached. From the filed police report : Subsequent to the incident outlined in Report # XXXX, there is an additional fraudulent charge of {$10000.00} on XXXXXXXX XXXX  ending XXXX. The transaction took place through PayPal and the money was sent to an individual ( XXXX XXXX XXXX XXXX XXXX  The transaction was categorized under 'Consulting Services ', however I never spoke to XXXX XXXX XXXX received any products or services from this person. Additionally, according to the transaction ( XXXX ), the 'Ship to " recipient is XXXX XXXX XXXX XXXX and the address is listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The demographic information differs significantly from my own and I have no association with either this person or address. I was told by a PayPal representative that a 'Stolen Instrument ' report had been filed, but I received no further information on that action. 

Reporting agency XXXX Police Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX Account # XXXX, CHILD SUPPORT ENFORCEMENT Account # XXXX, XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX Has violated my rights 15 U.S.C 1681 section 602A States I have the right to privacy 15 U.S.C 1681 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Bank account or service

Hello, I was a named party in a class-action suit against a former employer. My attorney was able to reach an individual settlement for the named parties, and I received XXXX checks for my share of the settlement. I deposited the checks into my personal checking account with Wells Fargo via ATM, and within the next week my account was locked as the checks were BOTH reported " confirmed counterfeit '' by the issuing bank ( XXXX XXXX XXXX ). This was back in XXXX. I called my attorney, and he checked with the other named party, and their checks went through just fine. 

I tried to have my attorney tell the defendant to cancel the checks and issue new ones. Well, it turns out that my bank ended up collecting the money from the checks even though they were confirmed counterfeit. So the defendant refused to issue new checks, since the money was withdrawn from their account. Fair enough. 

My bank refused to listen to me. I brought in the settlement documents, I called and spoke to the Manager 's Manager 's Manager 's Manager, still no luck. According to them, the defendant 's bank is STILL calling the checks counterfeit. They claim that the funds are in the process of being recalled back to the defendant 's bank account. Meanwhile, the settlement checks were reported onto my IRS transcripts, so I had to file an extension on my taxes until this whole thing gets resolved. 

Here 's my issue : Since XXXX, I 've lost my checking account, my savings account, and the few hundred bucks that was in my checking account when I deposited the checks. My auto insurance payment bounced, and then I had to pay that on the same paycheck as my car payment, and it took some time to recover. The funds are STILL in the process of being recalled, but I 'm still over here floating in the wind. Is there any way I can get this resolved? Is the defendant liable for these ( admittedly minor ) damages over the past five months? I do n't even care about suing for these damages, I really just want to get my proper settlement checks and resolve this issue for good. My attorney claims that there 's nothing more his firm can do to help ( he got his check ), but he suggested that I might hire an attorney to file a breach of contract claim against the defendant. 

I believe that the checks were reported counterfeit because the ATM faded out the ink on my larger check. I 've attached printouts of each check from XXXX 's own computer system. I 've also attached a copy of my attorney 's check, which is from the same account as my larger check. I 'm unable to make any progress with either bank, and I would rather not have to take any legal action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX  PA XXXX TransUnion Disputes Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my report, which XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

My Wells Fargo card was used fraudulently on XXXX at a vendor called XXXX XXXX for XXXX purchases totaling {$7900.00}. 

Here is the sequence of events. I used my Wells Fargo card at a gas station called XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, TX XXXX ). Soon after, I got an email from XXXX that my XXXX card had been used at a place called XXXX XXXX for a charge of {$7900.00}. I reported this as fraud and XXXX didn't let it go through. 

Soon after this, I get a text from Wells Fargo that my XXXX card was being used at a place called " XXXX XXXX @ XXXX XXXX XXXX '' for {$4000.00} which I reported as fraud. In the fraud email from XXXX I could see below the {$4000.00} charge were XXXX additional charges at a vendor called Gold Time for {$3700.00} and {$4200.00} ( which XXXX had allowed to go through ). 

I immediately called XXXX and reported all XXXX charges as fraud, but this claim was denied because I had both cards in my possession at the time of this charge, and they think the chip was used. I do not know how this is possible. I don't know how these systems or scammers work, but clearly, something was going on at the XXXX XXXX XXXX that compromised my Wells Fargo card and my XXXX card for almost exactly the same amount.
Product: Money transfer, virtual currency, or money service

Beginning on XX/XX/XXXX through XX/XX/year>, XXXX separate hackers began purchasing bitcoin through my personal bank account. The hackers withdrew a total of {$840.00} ( {$140.00}, {$170.00}, {$150.00}, {$15000.00}, {$170.00}, {$50.00} ) through the Cash App. I first noticed and complained to Cash App about this on XX/XX/year>, and filed a dispute. Cash App responded to me on XX/XX/XXXX : " We compared the transaction you brought to our attention with your account history. Based on the information you provided, our investigation led us to determine that this transaction ( s ) was authorized by you or someone you authorized to use your credentials, and no error occurred. As a result, your claim has been denied and closed. '' Even though I could demonstrate to Cash App that XXXX out of XXXX of these hackers ' profiles appeared in my contacts ( even though I had neither sent nor received money from any of them in the past ) I have not been able to get any recompense from either Cash App, nor my bank, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$630.00} XXXX XXXX  {$620.00} XXXX XXXX  {$570.00} Three rounds of dispute letter were sent with no resolution. I requested proof of verification and none was provided. 

Equifax removed access to the documentation for these disputes. Photo added below.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax continue to report inaccurate information. This is a violation of FCRA. The account listed below has not been properly validated or verified as accurate as the information is to inconsistent. 

DEPTEDXXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Debt collection

Original credit company, XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX credit card ), charged off account that was later sold to XXXX XXXX XXXX. Both were on my credit report. When I called to pay/settle the account I was told I couldn't pay to XXXX  but only can pay XXXX XXXX. So I settled for XXXX on XX/XX/21. I tried to dispute with comenity capital bank but they wouldn't handle it and told me it wasn't there responsibility any longer because they sold it to XXXX XXXX. XXXX has updated the file but XXXX XXXX XXXX  is still reporting the same account as a charge off. I then disputed with equifax, XXXX and XXXX  along with copies show proof but they only updated XXXX and all will not update to paid/settled for XXXX XXXX XXXX  XXXX Even though the letter clearly references that the original creditor is XXXX XXXX XXXX. I am filing a complete because I need XXXX XXXX  and credit bureaus to update my status to settled and not charge off with XXXX balance. Your assistance is greatly appreciated. Thank you in advance
Product: Debt collection

I just received an alert on my credit report ( XXXX, XXXX and XXXX ) that I paid them directly and they closed this account. I have never contacted or paid this company and I have never done business with them and they have no right to be reporting on my consumer reports. This is causing an unwanted negative effect on my reports! I have proof that I have never paid, nor been in contact with or have any contracts with this company at all!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER - XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a Chapter XXXX Bankruptcy with Experian since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Experian and never would. Experian 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XX/XX/XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experian 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.
Product: Debt collection

I had my identity stolen and credit cards were used without my authorization. I filed a police report and contacted the companies that had accounts opened without my authorization. Most of the companies worked with me and removed the accounts from my credit report but one did not they have since sold the debt to a collection company. I 've tried to resolve the issue with the credit card company and do not want to pay something that i did n't use but they still report the charge off on my credit report and its effecting my ability to get the best rates on loans.
Product: Checking or savings account

Capital One began having issues on Tuesday XXXX was not told by my bank until XXXX XXXX XXXX XXXX  that there was an issue with a XXXX party vendor my deposit still is not in the bank, they are taking payments out now which has now caused me to be severely overdrawn and here it is the XXXX day and capital one still can not give a timeline of when this issue will be fixed..I 'm going to loose my car I have no food can't get gas. They can't issue my deposit but they take my Okey out that was in there..I want this bank closed down I want pain and suffering and my act back to clear before my deposit is made..I am demanding that my overdrawn balance be corrected and reimbursed..this HAS BEEN A NITEMARE AND NOONE IS HOLDING THESE CROOKS ACCOUNTABLE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX not my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX XXXX or XXXX XXXXThe apartment complex incorrectly reported a balance when they sent me money they owed me along with a letter stating my balance for rent is {$0.00}.
Product: Debt collection

Already took it off my XXXX  but will not take it off my XXXX   the loan is from 2009 originally
Product: Credit reporting or other personal consumer reports

I have these inquiries. on my report that i never requested and they refused to delete and stated they have my signature but could never provide it but asking me to sign something and send it in so they can get my signature then. But I refused to sign anything but nee these inquiries removed asap according to FCRA. 
XXXX XXXX XXXX  XX/XX/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 XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX 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 JPMorgan Chase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether JPMorgan Chase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of JPMorgan Chases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether JPMorgan Chase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether JPMorgan Chase was in compliance with its own policies and procedures ; ( v ) whether JPMorgan Chase owed duties to myself, what the scope of those duties was, and whether JPMorgan Chase did not uphold those duties ; ( vi ) whether JPMorgan Chases conduct was unfair ; and ( vii ) whether JPMorgan Chase has within its power the ability to, and should, compensate me for the harm that has befallen me. 
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. 
In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, JPMorgan Chase must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer. 
Granted, there is room for diversity of view insofar as reasonableness is concerned. Indeed, there is a sense in which the standard of care of the reasonable person involves in its application a subjective element. 
However, it must be remembered that the correct test is always reasonable care in all circumstances, not average care. The fact that most people behave in a certain way may be good evidence that the conduct is reasonable, but this is not necessarily the case. Although reasonableness is a very fluid concept, all of the evidence suggests that JPMorgan Chase did not foresee the fraud and disregarded even the most obvious dangers in this respect. 
Situations do tend to repeat themselves and it is advisable to examine previous outcomes to see how the standard of the reasonable person should be applied, and that lessons can be learnt from the errors of the past.
Product: Credit reporting or other personal consumer reports

This letter serves as my final demand for action regarding your continued reporting of inaccurate and misleading information on my credit report. I have previously informed your company that at no point did I authorize the release or reporting of the accounts in question, yet you have failed to take the necessary steps to remove this erroneous information. This blatant disregard for my rights under the Fair Credit Reporting Act ( FCRA ) 604 is unacceptable and will not be tolerated further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian on XX/XX/2022 that my dispute # XXXX was ready for viewing on their website when I logged on it stated that the dispute remains which is a bankruptcy # XXXX. That can't be possible because I sent Experian a copy of the letter I received from XXXX XXXX dated XX/XX/2022 that bankruptcy # XXXX has been removed from their data base due to the reinvestigation and it's unverifiable as well as with XXXX. The dispute letter along with the letter from XXXX XXXX was sent via certified mail and signed for. I called Experian on XX/XX/2022 to ask why the bankruptcy remained on my credit I was transferred twice and finally to the Speciality Department where I was told the bankruptcy # XXXX was verified on XX/XX/2022 by XXXX XXXX. I stated that I sent them the letter from XXXX XXXX stated it was unverifiable but she insisted that I start another dispute I asked to speak to a supervisory she stated that their was none available that she would take my number and have XXXX call me.After getting off the phone with Experian I immediately called XXXX XXXX to see what was going on they stated that Experian never contacted them XXXX XX/XX/2022 to verify the bankruptcy in question she stated that she would start a dispute with Experian # XXXX to let them know that I have no bankruptcy on my consumer report.