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

I am writing to address a matter of utmost concern to TRANSUNION regarding my credit report, as documented. It has come to my attention that fraudulent accounts persist on my credit report, and regrettably, no corrective actions have been taken to rectify this erroneous information. Upon reviewing my most recent credit report, it has become apparent that inaccurate accounts continue to be reported, raising serious concerns about the integrity and accuracy of my credit profile. Despite my previous efforts to bring this matter to your attention, there seems to be a lack of resolution. In light of this ongoing issue, I have taken the initiative to file a report with the Federal Trade Commission ( FTC ), and I have attached the relevant documentation for your reference. The FTC report is filed under report number XXXX and serves as both a formal complaint and evidence of the fraudulent accounts impacting my credit history. I kindly request that XXXX conduct a thorough investigation into this matter at your earliest convenience. It is crucial to address and rectify the inaccuracies promptly, ensuring the integrity of my credit report and preventing any further damage to my financial standing.
Product: Money transfer, virtual currency, or money service

In XX/XX/2023 while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXX XXXX, XXXX, and Robinhood for my transactions. I never got a warning or fraud alert from any of these institutions, so I felt they were a legitimate group. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. Their groups namely XXXX XXXX with the domain XXXX XXXXXXXX platform with the XXXX XXXX XXXX XXXX with the domain XXXX. Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal.I later got a company that claimed to recover lost XXXX ( XXXX XXXX XXXX  ), but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to work with another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to Robinhood to recall the funds but this has been abortive as Robinhood initially restricted my account and requested verification 3 different times and said scams are ineligible for reimbursement. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 My son left my XXXX  at a restaurant which had both my banking app and XXXX  XXXX  signed in. Someone took it and cashed out my checkings account into my XXXX XXXX account and then sent the money to themselves. I no longer have access to my XXXX XXXX because of this. I filed my claim with my bank ( BANK OF AMERICA ) XX/XX/2021. XX/XX/2021 i checked my messages with the bank and they denied my claim for {$3800.00}. I have my rent due XX/XX/2021 and i want be able to pay now because of the unauthorized transaction was denied.
Product: Debt collection

XXXX XXXX called on XX/XX/XXXX at XXXX XXXX  regarding a debt owed to Sunrise Credit for XXXX University. I asked the representative to provide verification of debt and all communication in writing. The individual became aggressive, rude, and began overtalking me. She demanded I tell her if I was going to pay the debt. I asked when was the debt established and she stated XXXX. She then stated several letters had been sent. I asked when and she stated a couple of months ago with no valid date. I then asked for a new letter. Again, aggressively she stated that she needs an answer right now on whether or not I would be paying the balance owed so that she could close out the records. When I began to speak she spoke. I had to ask several times for her to allow me to speak. Finally she said she was going to close out the account although I asked for written correspondence and did not state if valid that I would pay. Due to the aggressive and verbal abusive tactics I chose to end the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX2018 was denied an apartment on background stating court action against me in regards to 2 homes I was renting. records should show acknowledgement, missing was I factually Had Lease that should of been legally honored and presented.by myself and attorneys handeling the cases.It does not show evictions or any fees owed.my sons also had backgrounds done and paid for showing no issues on the paperwork we saw but were also denied.
Product: Credit reporting or other personal consumer reports

I found an unrecognized account on my credit report that Im not associated with. It may be a case of identity theft or fraud.
Product: Money transfer, virtual currency, or money service

I became victim of a scam last XXXX by a company called " XXXX '' through which I invested about {$13000.00} on cryptocurrency via CRYPTO.COM. They used all types of incentives to have me put in my money. All my transactions had been from my XXXX accounts through Crypto.com to their fake digital wallet on my profile. I realized that I was being scammed when I was told to pay taxes on the " fake '' earnings that were posted in my account on their website. Knowing that only the IRS has the authority to collect tax on investment earnings, I started digging more and found out the whole platform was fake. I confronted them and they threatened to freeze my account. I reached out to XXXX  for assistance with no success. " XXXX '' cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would-be investors would ultimately lose the money, they had entrusted to it. The overall purpose of the scheme was to target and defraud people who are often inexperienced and nave, in pursuance of illicit wealth through various fraudulent representations. I did not know, and through the exercise of reasonable diligence could not have discovered, the fraud that was being perpetrated upon me by the Company. As a result of this, I was deceived into transferring my funds for investment returns that were never delivered. I will certainly never receive any monetary value for the investments considering the way the Company had their scheme rigged thus causing significant economic damage to me. I put in claims through XXXX and provided proof of all the fraudulent activities that had been a victim of, unfortunately they denied XXXX of them. I hired a XXXX party company, XXXX XXXX XXXX to help me build a case against both XXXX and Crypto.com. XXXX has not been responsive at all and XXXX completely denied all the claims. The 3rd company promised they would do everything to help me get my money back but I have not heard from them for about 3 months. I also paid the company a retainer to start the process. We entrust Banks to safeguard our hard earned money. Financial institutions are well aware of the scope and nature of cybercrimes as related to cryptocurrency and the risks that these pose to their clients, who, in contrast, mostly have limited knowledge of these dangers. Scam victims have relatively little freedom of reactivity ; under such circumstances, they respond immediately, instinctively, and invariably to the specific demands of the perpetrator. Being able to consciously refrain from reacting in such a way is extremely difficult and sometimes impossible. This complex issue has caused substantial harm to me and other people who have been victims of the same schemes. Those institutions should implement controls to protect people like me with no investment knowledge as we are the main preys of those predators.
Product: Checking or savings account

I filed a fraud complaint ( reference # XXXX ) three weeks ago and Chase has failed to perform their duties per the procedure of filing a fraud claim. Chase bank has made a false report that I did not dispute a charge on my account that was similar to the charges filed on my claim and used this reason as primary justification for denying my fraud claim. After speaking with a representative four weeks ago, the representative proceeded to re-file the fraud claim based on Chase banks back offices lack of careful attention to detail to their error in making an allegation that I didnt dispute similar charges when in fact I did as the representative noted. The fraud claim was denied again after Chase bank back office making a false allegation that I made the charges or was aware of them due to providing a pin. This is a patently false allegation for the reason that these charges reflect a transaction of XXXX XXXX  purchase which could have only been made online, which doesnt require a pin to be entered. When explaining how the back office was erroneous in their decision to deny the claim to the third representative I spoke with two weeks ago, he proceeded to tell me that I needed to present documentation in order to get the fraud claim filed a third time. I faxed in documents sent from XXXX showing that my name wasnt on the reservation and further added I did not recognize the person who made this transaction with my debit card. Chase Bank has to date has failed to meet its obligations as a bank and financial institution and is apparently depending on a back office that isnt competent enough to make good decisions for the company nor represent it with integrity. With that said. My account remains in the negative and I still have not received a deserving positive credit to this account.
Product: Debt collection

On  XXXX   XXXX ,  XXXX , Advance Financial submitted  XXXX  varying automatic debit from my checking account totaling {$360.00}  (  {$120.00}, {$120.00}, and {$110.00 } ). Ta king money that they knew and know is judgment free in an attempt to collect a debt. I currently received  XXXX  and   XXXX   XXXX    XXXX  as my only income which they authorized and received illegally under state of tennessee laws and Fair Debt Collection Protection Act. When I called to inquire about the debits from my account and receiving a refund ; a  XXXX  and a  XXXX  first informed me " before they could assist me they would first like to inform me any information given in regards to my account is an attempt to collect a debt. '' Under Tennessee laws once my account is in default they should seek legal remedies to resolve the matter. Instead they continued to seek debiting my account, which violates state laws. They failed to notify me in writing of my account being pursued as a debt as it has been in default since  XXXX   XXXX ,  XXXX , violating the FDCPA. The company also breached the contract in which they are to only submit a " single debit entry only in the event of default ''
Product: Credit reporting or other personal consumer reports

Wells Fargo Card service, with account # XXXX, This account is a charge off account. According to the FCRA charge off account should be treated as GROSS INCOME. Wells Fargo Card service denied me from obtaining a form 1099-C. I have disputed this account several times with XXXX but XXXX SHAM the investigation using stall tactics and verified the account as accurate with no proof of documentation therfore I am asking for a proper investigation under the FCRA guidelines. As a consumer I am obligated to a 1099-C form for this charge off account, if you XXXX can not provide me a copy of a 1099-C please remove this account from my credit report.
Product: Debt collection

Collection Agency : Ability Recovery Sercives LLC Original Debt Holder : XXXX University Written Notification Complaint # 1 : I have received numerous bills in the mail ( last one  dated XX/XX/XXXX ) about a {$2600.00} debt thats supposedly owed to XXXX University. I have asked the collection agency ( last phone call on XX/XX/XXXX ) to send me an itemized bill. I have NOT received a bill. A representative for Ability Recovery Services LLC told me during a conversation on XX/XX/XXXX, that I had previously requested a bill and should have already received the statement in the mail. 

Just recently, I was told by a representative with Ability Recovery Services that it would take 30 days to receive the bill and that her company policy requires that she receives the bill first, then she will send it in the mail to me. If the bill was previously requested by me and sent to me, why doesnt the collection agency already have a copy of the bill to forward? The 30 day waiting period is ridiculous. 

False Statements Complaint # 2 : It has been reported to all three credit bureaus that I have defaulted on a loan thats in the amount of {$2600.00}. The original debt holder is reporting a different amount. There is a massive discrepancy in the amount being reported by XXXX and Ability Recovery Services. 

Communication Tactics Complaint # 3 : Ability Recovery Services LLC rep XXXX ( last name ) was extremely unprofessional. He hung up on me while I was requesting an itemized bill. Told me that he didnt want to waste his time sending me the itemized bill because he knew I wasnt going to pay it. He took a prejudice/bias accusatory stance by stating your not going to pay this bill anyway, so why did you call. 

After being hung up on, I called back and XXXX hung up the phone again, after I requested to speak to a different collections rep. Again, refusing to accept my request for an itemized bill. I had to call back a third time to talk with a professional collections agent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Equifax were contacted via phone to dispute several fraudulent and unauthorized inquiries on my credit report. These inquiries were not authorized with my consent. I want these removed cause they are causing harm to my credit profile. This matter is urgent and needs to be handle n XXXX items needed for deletion : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Equifax items needed for deletion : XXXX XXXX  - XXXX XXXX - XXXX ; XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, Kohls reported me as a late pay. I paid my balance in full but it was my first time using the card & since my payment could not be withdrawn on a XXXX, Kohls assessed me a {$17.00} fee but told me it would NOT go on my credit. Since then, I disputed it & my payment history was corrected by Kohls and I have the letter from them stating they would waive all fees from my credit report & fix the reporting. Finally, after a long battle, everything was corrected & my payment history was again perfect ; As it should be. However, I recently saw my score dropped due to not have 100 % on time payments. I work for a Credit Union & I pay my bills on time & IN FULL. This has now affected me getting a mortgage and I wanted it fixed with ALL 3 credit bureaus by next month! As well as another verification letter that Kohls screwed up. There is no reason why it should be fixed, & then re-reported as late when I already disputed this. It is unacceptable of this merchant & has cost me a lot of money, time, convenience & a new home!!
Product: Money transfer, virtual currency, or money service

i have been involved with Optima Student Lian Advocates since XXXX. I paid a loan of {$15000.00} for " services '' and am now being sued by XXXX XXXX XXXX for the original student loan balance of approximately {$14000.00}. My court date in XXXX XXXX, CO is XX/XX/XXXX and wonder how I should pursue this since an investigation into Optima Student Loan Advicates has been opened.
Product: Bank account or service

This company said they will close my account for making to many disputes ; when I first signed up for the account I opted out of overdraft protection ; they closed my checking account and charged my savings account XXXX {$35.00} non sufficient fund fees. I opted out of overdraft protection how can they charge me for closing an account before pending items have not posted tell me to go get my funds out the bank than charge me XXXX fees on top of the item amount and than I spoke with XXXX reps now who said a supervisor will call me back oand never did
Product: Credit reporting or other personal consumer reports

I have received information from XXXX XXXX in regards to Acct # XXXX, and I have continuously requested for the information to be removed by Experian, XXXX and XXXX and to no avail over 6 times. I have attached the response from XXXX XXXX in reference to the account and no account being found. Im requesting that the account and any other deragatory filing in regards to XXXX XXXX be removed immediately. 
XXXX XXXX XXXX Acct # XXXX ( XXXX  ) XXXX XXXX Acct # XXXX
Product: Debt collection

Receiving calls about every XXXX minutes on home phone ... will not leave a message on answering machine and will not identify ones self ... Start conversation by saying this call is record .... Then I reply I do n't give authorization to be recorded..and hang up ... We are constantly blocking these XXXX service numbers. I did a number search and the number belongs to Miland Funding..
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine ; see attachments wrong info : remove it : XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Open. 
DEPT OF ED/XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3300.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4100.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4500.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Open. 
DEPT OF ED/XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2700.00} Status Open. 
XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1900.00} Status Collection account. {$1900.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$540.00} Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$140.00} Status Collection account. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1100.00} Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$840.00} Status Collection account. {$840.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$170.00} Status Open. {$10.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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
Product: Checking or savings account

I am trying to purchase a product online and was given the option to pay via XXXX a payment every month. I chose that option and proceeded to enter my information and connect my bank account and then it gave me an error. The error says " PNC has made a change that prevents you from being able to link your accounts. '' I was then told to file a complaint, which I did. I have attached a screenshot on the bottom.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information.

Attorney in Fact I am writing to formally dispute the inaccurate information on my credit report, specifically regarding the alleged serious delinquency, public records, and collection accounts attributed to me. These inaccuracies violate several federal laws, including but not limited to : 15 U.S.C. 1611 : Limitations on consumer credit reports.

15 U.S.C. 1681 : Fair Credit Reporting Act provisions.

15 U.S.C. 1691 & 12 CFR 1002 : Equal Credit Opportunity Act.

15 U.S.C. 1692c : Restrictions on communication.

15 U.S.C. 1602 : Definitions relating to credit reporting.

15 U.S.C. 1681n : Civil liability for willful noncompliance.

15 U.S.C. 1692f : Unfair practices in debt collection.

15 U.S.C. 1635 : Right of rescission.

I demand that these inaccuracies be investigated and corrected within 72 hours of this letter. If these items are not removed or corrected in accordance with the Fair Credit Reporting Act, I will pursue legal action to protect my rights and seek damages for any harm caused by this inaccurate information. 

XXXX XXXX XXXX