23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XX/XX/XXXXof this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XX/XX/2019for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.
Product: Debt collection

DEMAND TO VALIDATE NOT VERIFY DEBT CLAIM RESPONSE TO 10 DAY WRITTEN NOTICE FOR A CLAIM OF DEBT IN ACCORDANCE WITH USC 31 3716, 5 USC 5514, AND 45 CFR PART 30 AND 32 AND PURSUANT 45 CFR PART 32.6 ( e ) ( 1 ) Burden of proof. ( 1 ) The Secretary has the initial burden of proving the existence or amount of the debt. 
1 PLEASE TAKE NOTICE OF THE Following It has come to my attention, after scrutinizing some documents, that you are collecting monies from me that you were never entitled to. 
Furthermore, your original claim has errors and deliberate misrepresentations. Thus, pursuant to the truth in lending laws of the United States Code, Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq., this notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. 
Moreover, this notice is my demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists now or ever existed by producing the following : ( 1 ) The name and address of the organization alleging the debt ; ( 2 ) The name of the actual creditor even if that is myself ; ( 3 ) The origin of the funds used to create this alleged claim of a debt and my agreement to pay that debt with a statement of full disclosure. 
( 4 ) ALL associated tax forms as required by law, including all 1099s, W9s, etc. from the inception of this alleged debt. 
( 5 ) Proof of claim in corresponding ACCOUNT Number # # # - # # - # # # ( 6 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt. 
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or othe
Product: Credit reporting, credit repair services, or other personal consumer reports

During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX  creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the XXXX  account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.
Product: Checking or savings account

My husband and I received a business deposit to our Marcus CD account ( XXXX ). We were not aware that business related deposits were not allowed, and promptly transferred the funds into our Marcus savings account ( XXXX ) and then called Marcus to initiate a transfer transfer for the funds to a business account that Marcus had linked ( Marcus linked and unlinked the business checking account with me on the phone, and called to verify I gave them the " ok '' to send funds there ). Marcus did not transfer the funds and told me my savings account would be closed ( with {$410000.00} in it XXXX as business related transactions are not allowed, which I completely understand. 

Instead of returning the assets to me via check as stated in the account agreement, Marcus said that the original funding institutions needed to request the funds back. They instructed one external institution who had funded the CD account to request the funds back from our savings account, which that institution had even send funds to before. The external institution tried to request the funds back ( from both the CD and Savings ) and were not successful and received an " account frozen '' and " account closed '' code.

Marcus isn't able to send the funds back to the originating institution themselves as it's beyond the time period where they could reject an incoming deposit. They are aware that it's also beyond the time period where the originating institution could request the funds back, and that they won't be able to do so from either account ( especially the savings account, which they never funded in the first place ). 

Marcus by Goldman Sachs is part of a wave of online banks force-closing accounts and not returning assets to boost their balance sheets, which is illegal.
Product: Checking or savings account

have opted out of overdraft several times. overdraft still happens. still charged fees. 
extended overdraft resulted in access to account being limited and card being shut off without notice. this resulted in issues paying bills and accessing money deposited in account. fees paid.
Product: Credit reporting

My Credit Report has a wrong current address for me, My Employment status needs updated as well. I am not employed any longer, but I do receive XXXX as monthly income. I also have disputed some accounts that are listed on my credit report for various reasons.
Product: Credit card

I have a situation with XXXX companies involved XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Comenity Capital for Ulta I have a credit card with XXXX XXXX. On that credit card, I used balance transfer to move my balance from Comenity ( Ulta ) with the intention of paying off Ulta so that no interest accrued. The balance transfer was initiated XX/XX/XXXX by XXXX XXXX XXXX XXXX sent a physical check to the payee, Comenity. My XXXX XXXXXXXX account gained the {$340.00} balance. 

Comenity ( ulta ) did not receive payment. My payments were paused for investigation. 

I called XXXX XXXX to see who the check was sent and cashed. The check sent from XXXX XXXX had one error in the po box number, however, was still written out to Comenity Ultamate Rewards. The back of the check shows it was cashed by a third party, XXXX XXXX XXXX XXXX. 

I provided the copy of the check to Ulta, and they have since concluded that this check was cashed by another company, and I am responsible for the full balance plus the interest accrued making my balance even higher than the original payoff amount. I also still owe XXXX XXXX, as this balance was added to my credit card. 

I have asked XXXX XXXX to report this as fraud. The check they sent was not cashed by the intended payee. 

Both XXXX XXXX and Comenity ( Ulta ) have stated it is up to the bank that cashed it, XXXX XXXX XXXX to refund me. I can not get through on phone as they will not speak to me, I am not a customer. Today XXXX I went into a local Branch who stated I would have to deal with XXXX XXXX. 

XXXX XXXX has deposited a check made out to Comenity Ulta which is fraud.
Product: Payday loan, title loan, or personal loan

Constantly being harassed by employees about a loan that is not mine!
Product: Checking or savings account

This complaint is a continuation of the following complaints that have been closed without resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I personally appeared at Fifth Third Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida to close my accounts XXXX I met with a banker that handled the transaction. The accounts were closed and funds were disbursed to me by Cashiers Check. The reason cited for closing the accounts was an inability to access the accounts online and having to appear in person at the branch was inconvenient. Two previous attempts to gain online access took an inordinate amount of time and required working with IT. In an attempt to retain my business, I was offered a higher interest rate, but declined, stating that an inability to access my accounts online was both an imperative and a deal breaker ; Fifth Third Bank had been given sufficient time to resolve the issue, to no avail. 

On XXXX XXXX XXXX, unbeknownst to me, a transfer was initiated in the amount of {$150.00} from my XXXX XXXX account to be deposited into a CLOSED Fifth Third Bank account. Repeated phone calls over the course of several days resulted in several managers at Fifth Third Bank vehemently denying that they had initiated the transfer, cited the fact that the account had been closed and that they would not have initiated a transfer to an account that a customer had closed. They claimed that the transfer had been initiated by XXXX XXXX, and that perhaps they were unaware that the account had been closed. At the same time, XXXX XXXX denied initiating the transfer. Fortunately, the mystery was solved with the discovery of an email in my spam folder that identified Fifth Third Bank as the initiator of the transfer. 

I contacted XXXX XXXX Bank seeking advice on how to prevent FUTURE transfer to this closed account and they advised me to place a stop payment on the account, preventing Fifth Third Bank from unauthorized transfers. I followed their advice and placed the stop payment on the XXXX XXXX account. This was done AFTER the transfer had been made, not BEFORE, and this is where Fifth Third Bank conflates the facts. 

Fifth Third Bank claims that no transfer took place due to the stop payment placed on my XXXX XXXX account. However, I would not have placed a stop payment on the XXXX XXXX account without having experienced this chain of events that lead me to this pont as there would be no reason to do so. 

It was discovered that Fifth Third Bank REOPENED this closed account to initiate an unauthorized transfer from XXXX XXXX. Additionally, Fifth Third Bank has refused to CLOSE this account allowing it to accrue exorbitant overdraft fees in the amount of {$87.00} while demanding payment of {$150.00} for the transfer they claim they did not receive and for which they have failed to submit evidence of funds having been returned. 

This issue has not been resolved. Fifth Third Bank simply continues to reiterate the same inaccuracies without providing any documentation to support their claim.
Product: Credit card or prepaid card

On XX/XX/XXXX bank of americas fraud department notified me about some suspicious transactions on my edd debit card. I confirmed that it was indeed fraudulent. I was in the hospital from XXXX delivering my son. Theres no way i could have been at an atm making withdrawls. I also had possession of my card the entire time. 
So, i proceeded to file a claim. I was told to request a police report. When i contacted my police department, they informed me that a police report could not be filed until i received something in writing from the bank. It took 2 full weeks until i received the letter from BoA stating that they felt there was no fraud or error and therefore was not going to refund me the total amount which was XXXX. That same day XXXX, i filed a police report and then contacted BoA demanding to speak with a manager or submit a reconsideration. I was informed at that time that i could not file the reconsideration  until i received a copy of the police report. It is now XX/XX/XXXX, and the police report is still not ready for me to pick up. This delay is prohibiting me from continuing the reconsideration process with BoA. I also requested copies of documents used to determine the transactions were authorized and was told on XXXX they would be sent and still have not received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have previously contacted XXXX, TransUnion, and XXXX   informing the company that I have been a victim of identity theft/fraud. XXXX, TransUnion, and XXXX  are deliberately violating the Fair Credit and Reporting Act section 605b, which states that if a person sends documents from federal or state departments of an identity theft report then the agency must block the information from the credit profile. With my numerous attempts to get XXXX, TransUnion, and XXXX  to follow the law, they clearly feel as though the law does not apply to them. 

Remove the Derogatory account and all inquiries Please and Thank you
Product: Mortgage

I feel this company participated in unfair and misleading practices, I feel I have been discriminated against in reference in lending, and I feel they have violated a federal consumer protection laws and regulations. I applied for a refinance loan, and I was advised I would receive the amount I asked for. I qualified in every way, my credit score is high, my equity in my home is high, my income is high, and there was no valid reason for denial or than my ethnic race. I was asked what nationality I was and I provided it to them and I was shortly denied the loan. I called numerous time to get a fair explanation and they could not provide a reason. I even tried to speak with a manager and I was unable to get though. The person processing my loan was not clear on the denial as well. 
The credit decision was inaccurate because i score above a XXXX credit score, My income in good because i have a full time job and XXXX rental properties that bring in income. I feel something was done wrong while in underwriting and no one has been able to explain why. This transaction started XXXX the Refinance would have pulled out {$60000.00} of equity and i have about {$15000.00} in equity. my payment would have only went up {$100.00} and they ( underwriting ) claim i can not afford that. which is odd because i have more than enough income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Furnishing my report without consent. In accordance with the fair credit act, my rights have been violated. 15 U.S.C 1681 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish a account without my written instructions. I recently viewed my credit report and notice some unauthorized accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX took out a hard inquiry on my credit report. I did not authorize or give any consent for this company to run my credit. This is a shady pay day loan company
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 2 disputes with Experian in regards to an incorrect balance on my XXXX XXXX Credit card account. Experian is saying that the information they have is correct upon their investigation. First national is stating that they have sent Experian the correct balance which is {$0.00}. I even upload my most recent statement which shows my balance of {$0.00} and Experian still will not update the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

NewRez aka Shellpoint is reporting a loan as months behind and it is current. They did this with another account as well. I need this fixed immediately.
Product: Vehicle loan or lease

I asked for the breakdown of all the charges connected with my account which includes the interest, late charges, and principle amount. Also I rescinded the contract for breach due to non disclosure! Also I let them know they violated the Truth in Lending Act because no cash is supposed to change hands in a credit transaction! Plus the XXXX XXXX was violated to with that high interest rate!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank and Wells Fargo Dealer Services have committed fraud and stolen several thousands of dollars from me as well as Illegally repossessed a vehicle from me in 2017. I was charged for CPI and CPI interest unknowingly and wrongfully. I was also charged increased interest charges and my monthly payments were miss-appropriated Wells Fargo has also RUINED my credit score I was the victim of fraud and criminal conduct on behalf of Wells Fargo Bank and Wells Fargo Dealer Services and my car illegal repossessed. I was also given no notification on how I could retain my vehicle and it was quickly sold off. 

The amount of money stolen from from CPI and CPI interest as well as other fees and interest charges led to this event. I lost my money, vehicle which led to my credit score being ruined and I lost work as a result of it. The amount of compounding stress this has caused on my life is insurmountable. Losing my vehicle cost me an extreme amount of momentum and opportunity at a very critical time in my life. 


Aside from the mental, emotional and financial losses my personal credit score was ruined and I found myself having a hard time being approved for some apartments down the road, as well as credit products. 

Today, this fraudulent WFDS account is still reporting on my XXXX account and damaging my XXXX score. In fact, so much that I have scores in the XXXX 's and XXXX 's on XXXX and XXXX and yet XXXX 's on XXXX. This unfortunate atrocity has limited my ability to secure business credit at a very critical time in my life being a father to a XXXX XXXX year old boy. 


So much damage has been done in my life as a result of this and its about time this is resolved once and for all There has been a Court order that Wells Fargo Bank make reparations to those they victimized. those in my case are entitled to not less than {$4000.00} but NOT LIMITED TO {$4000.00}. The amount taken from me, cash value and car and residual compounding impact from this event far exceeds that number Wells Fargo has made XXXX attempts to contact me in regards to this matter. I have reached out only to be told someone would get back to me at some distant time in the future.. 


XXXX is XXXX
Product: Credit reporting 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.

Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I opened a dispute with TransUnion on XX/XX/2018 and per their own website it is still not resolved. The TransUnion dispute number is XXXX. 

I have called multiple times to resolve this issue and the most recent call ended up with the TransUnion representative hanging up on me.
Product: Money transfer, virtual currency, or money service

Consumer Finance : My name is XXXX XXXX. I am corresponding because I am dealing with identity theft, harassment, invasion, intrusion and abuse. 

In short, I have an account with Google and I use one of the products call Google Play. The account allows for me to make purchases. I can pay by credit card etc. I have receipts for dozens of purchases and hundreds of dollars. Yes, I have changed my passwords on different occasions.
Someone logged into my Google account, and specifically on the product Google Play and created a false radio station called, " Humble '' with specific music I did not pay for. 

The people who are stalking me are intentionally taunting me by violating my financial boundaries in my accounts and where I have made purchases. The stalkers have created diversions to stop me from day-to-day activities. This issue is about money, but is also race related in that they are doing this to taunt, bully and subject me to invasion of privacy and intrusion. The people who are logging in are framing me. 

If I have changed my passwords, what can be done to fix the issue with my account that I use for purchases? 

Sincerely, XXXX XXXX
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 confidentially under 15 USC 1681. 
XXXX. Account name : XXXX XXXX Account # XXXX XXXX. Account name : XXXX Account # XXXX XXXX. Account name : XXXX XXXX XXXX Account # XXXX These accounts have 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 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 7 years.

15. U.S.C 1681-2 ( A ) ( 1 ) states : A person shall not furnish any info relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.