23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

We have multiple accounts with Wells Fargo. We issued a check from our business account and that check was stolen in the mail process, edited/changed, and cashed at a bank. Wells Fargo did not flag this check even though it was clearly fabricated and lines/memo/names were whited out. Check information is below and a copy is attached for review. 

Check Date : XX/XX/XXXX Check # : XXXX Check Amount : {$14000.00} Check Issued To : XXXX XXXX Check Cashed Date : XX/XX/XXXX Check Cashed To : XXXX XXXX There are XXXX pictures attached. One shows how we issued the check ( XXXX XXXX ) and XXXX shows how it was whited out and cashed. Lines are even missing from the check. 

Wells Fargo has always called us whenever a check looks suspicious. Even for checks that are a few under {$500.00}, they will call and double check if it was us if any handwriting or signatures look off. For some reason, this check ( which again is clearly altered ) was not flagged and it was over XXXX. 

We immediately called Wells Fargo ( on XX/XX/XXXX ) when we saw the cashed check was not cashed to the right company to which we issued it ( document also attached ). They filed a claim for us and told us that it could take up to XXXX business days to get it resolved. On the XXXX business day, we received an affidavit which we filled out and faxed back. They are now telling us that it could take up to 120 days to even get a response from the bank that cashed the check and it's not guaranteed that we even get our money back. 

This was absolutely a Wells Fargo error. Banks are supposed to protect us from fraud and alert us when anything looks suspicious. In fact, we went into our bank and confirmed with the manager that it is their responsibility to review checks before releasing funds and he told us that " sometimes things slip through the cracks ''. XXXX XXXX dollars is a lot of money and will truly hurt our business if it is not recovered. We aren't even being offered a temporary credit which was originally offered to us. 

This also comes after the fact that in XXXX of XXXX, Wells Fargo forced us to pay back XXXX of our XXXX XXXX that we were originally told would be forgiven. With NO explanation. Again, we are a small business. We don't make much of a net profit and this is devastating to us. Please help us.
Product: Debt collection

Threatened to take legal action and calling my employer 's Human Resources office to include garnishing my wages if either do n't call them back or pay a debt I do n't owe.
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. XXXX XXXX ; # XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

This is my Multiple requests 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 XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX XXXX XXXX Balance : {$2900.00XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX2149****Balance : {$960.00} XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX over 55 days ago I filed dispute with all 3 credit bureaus. THIS IS NOT RIGHT!. I am trying to clean up my credit and I cant do so if they wont response to me. The funny this my wife letters went out the same day and her has already been resolved, so there no reason why mine hasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

SST/XXXX  has been disclosing negative nonpublic personal consumer information to nonaffiliated third party consumer reporting agencies. I did not consent to this and was never provided with the option to opt out of this nonaffiliated third party reporting which I, as a consumer, have a right to do per 15 USC 6802. As such, I am requesting SST/XXXX  cease their reporting of account XXXX to all consumer reporting agencies to include XXXX, XXXX, and XXXX, and that the account is removed permanently from all of my consumer reports with all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX  blocked me from my credit report and no one is as to verify my identity no matter where i go. my bank account is now frozen because of what they have done because they couldn't utilize the current verification process. i have a family to take care of and provided them the information that they needed on more than one occassion and they have completely ignored it by blocking my credit file. this is unheard of! 

I have already provided them my identifying information and they put it on my profile them blocked it
Product: Debt collection

I asked manager if I could get a copy of my receipts for the payments I have made on my debt and he was very rude and told me they dont give receipts and kept cutting me off while I was talking, he is very unprofessional, he talks to people any kind of way and this same company has provided my friend with receipts for her payments.
Product: Debt collection

XXXX XXXX XXXX contacted me around XXXX about a debt I owed to XXXX. They severly hurt my credit by placing this collection on all XXXX of my credit reports. I fought it the first time and it was removed. The same month it was removed, it reappeared on all XXXX of my credit reports under the nameENHANCED RECOVERY COMPANXXXX XXXX, FLXXXXHowever, they call my phone several times a day and the caller ID shows XXXX.They are harassing me.
Product: Debt collection

According to the Fair Credit Reporting Act, you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I signed with Freedom Debt Relief. The agent was XXXX XXXX. The plan was 48 month term or less were Areys words. I explained I lived on a fixed income and my money was limited and I agreed to pay {$450.00} a month for 4 years. We went through the enrollment process. I electronically signed documents and made the first payment of {$220.00}. 
Now that the four years are up some accounts still have not been resolved and two accounts still have not started negotiations. Now that the 48 months are up Freedom Debt Relief tells me 48 months was just an estimated target date. XXXX never mentioned the word estimate. I do have the entire conversation recorded-never mentioned the word estimate. I called to have my bank information deleted since my last payment had been withdrawn. I was told I still owed over {$5000.00}. She threaten me that all unresolved accounts would go back to the original status and I would have all this debt to pay on my own and no money would be refunded to me. This all is very frighting to me. Im being lied to and XXXX. I can not afford to pay the {$450.00} each month for the additional years FDR has added to the account. I did notice Settlement Fees for thousands of dollars each several times in the payment process which could be part of the problem. I need help. Where do I go or what can I do at this point?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a vehicle from a certified dealer ( XXXX ) who approved my loan based on my excellent credit score from XXXX ( XX/XX/2019 ). My Experian credit is currently frozen and no matter what I do, I can not get them to unfreeze it. I can not reach a human on the phone, I can not get through with the automated prompts and my information. I can not get through via my account online. I tried to get through various ways for about 2 weeks. I mailed Experian the requested documents on XX/XX/2019. According to Experian, it takes 3 business days to respond to my request. It has been 8 business days ( not counting Saturday mail days ) since I've mailed the paperwork. I have no response from Experian stating that they even received the mail from me. In the meantime, my car 's temporary registration is about to run out and the dealership doesn't want to work with me to get the sale of the car finalized. I've been back and forth with them, updating them on my issues with Experian to no avail. I need help speaking to a human being at Experian, updating my correct information, and permanently lifting my credit freeze so I can move on with my life. It is absolutely disturbing that speaking to a human, etc. is impossible, especially when credit is all we have as Americans. Please look into their automated system of blocking a person from speaking with a human being as well as their lack of human interaction in regards to contacting email support.
Product: Credit card

Capital One credit card closed my account XXXX XX/XX/2024 even though i set up a new payment plan on my account. The account was closed and charged off without any explanation and phone call from the credit company. I want to reinstate my account and continue paying my account balance back to XXXX  balance. The closing of my account has a negative impact on my credit report as a charged off account. 
Account type XXXX one card ending in XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 someone used my information to get a loan from a company named Acima in the amount of {$1000.00} I did not authorize this purchase nor consent to have my credit pulled.
Product: Credit reporting or other personal consumer reports

XXXX to suspend the gold standard and abrogate the gold clause which means I'm a legal tender note that the word do not talk about payment of debt but clearly states that every obligation shall be discharged I am truly upset of how y'all willingly and knowingly committing fraud breaking the law of 15 USC 1611 if y'all don't reinvestigate and close my account I will be getting in contact with the credit finance protection bureau and also will be writing to the attorney general I'm using my promissory note as an instrument a promise to pay I'm well aware of my rights and this is committed fraud against me please close my account or I will be taking further
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received a credit alert from XXXX that a new line of installment loan of {$300.00} was opened in my name and my credit score dropped by XXXX points as a result. Due to this information, I activated a credit fraud identity alert to all the credit reporting agencies and also put in a freeze in my credit report to ensure no unauthorized loan is opened in my name until this issue is sorted out. 
I later reported the issue to XXXX XXXX XXXX XXXX about an unauthorized installment account that was opened in my name and that they should investigate and removed that account from my credit report since it is an unauthorized and fraudulent account. To my surprise, XXXX XXXX XXXX XXXX reported back to me through email that they have concluded their investigation and the account was reported correctly ( see attached ). 
I have issued another complaint to XXXX XXXX XXXX  with more information but they still not willing to close this account and report back to the credit monitoring bureaus so that it can be taken off my credit score.

Please kindly assist in this regard. Thanks
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. You are also violating my rights under 73 P.S. 201-1 et seq. ( Pennsylvanias Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. XXXX XXXX XXXX XXXX I am also attaching the reposne from XXXX XXXX where they found no accounts that were mentioned on the ftc repoprt AND ALSO THE FOLLOWING INQUIRIRES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX bad names XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bad addreses XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX
Product: Debt collection

I disputed something on my credit that is inaccurate providing proof the account is inaccurate and reported wrong. They will not remove it I have gotten it removed from my other credit account which I also provided proof of
Product: Credit card or prepaid card

Can not get a hold of customer service. This is for direct express XXXX XXXX. I have to pay rent and bills. My card has been blocked and I can not unblock it. Can not access my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account appearing on my credit report. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2017 I contacted Capital One Bank to discuss investigating a payment that did not appear to have post to the account in question nor was the payment reflecting in the outstanding balance. The purpose of this payment was to bring the account to a zero balance. Capital One Bank, on two prior occasion mishandled payments that was sent to them but they quickly corrected their error after I contacted them and expressed my concerns. However, in this situation Capital One Bank was unable to find their mistake and left me without answers or resolution. Subsequently, being left without an explanation of their error or provided with a commitment to apply the payment and adjust the balance accordingly, I decided to ask that the account be audited and verified. Knowing a payment was made to Capital One Bank, which did not get credited to the account, but was kept by the Capital One Bank is disproportionate, unnerving and detrimental to all consumers whose objective is to repay their creditors. I have attempted to resolve this matter by contacting Capital One Bank on XX/XX/2017 requesting that the account be properly audited and verified. The response I received was nothing more than printed monthly statements which I believe only exacerbated the problem. The information provided by Capital One Bank did not provide a solution or root cause of the problem as an audit of the account would have provided which is what I requested. I wish to file a formal complaint against Capital One Bank as they continue to forcefully request that I pay monies to them and they have not provided proof to their claim of debt.
Product: Debt collection

I am currently a XXXX XXXX  customer and have been for several years with automatic payment on all activities. I have had nearly perfect credit for at least a decade. Recently on XX/XX/21 when trying to refinance my mortgage, I was notified by my broker that my credit score had dropped over 100 points. I learned that the cause of this was a {$120.00} internet bill from XXXX XXXX ( XXXX ). As a result I was unable to be qualified for a mortgage that would have saved me thousands of dollars each month for the next 30 years. To this day I have never received any notice of a debt owed either by postal mail, phone or email. That day, I immediately contacted XXXX and Amsher collection services to resolve the issue. The only information I was able to get from these companies was that the bill was from unreturned internet equipment. Both companies have denied requests for a credit mark deletion letter despite their error, despite XXXX receipt and proof of equipment rental return ( XXXX claims the debt is from unreturned equipment ). They have made it nearly impossible to resolve the issue as I have given them proof but the credit report marks are not being reversed. I immediately paid the fee out of desperation even though I am not at fault. Both companies have still refused deletion letters. I have been a loyal paying customer to XXXX for several years and yet this company couldnt appropriately notify me of a simple debt, despite having all of my contact information. This behavior in a large company is troubling to me as it is directly responsible for a negative effect on my finances and many other consumers over the long term. What is more troubling is that this behavior occurs regularly to other consumers and there is little recourse against XXXX.
Product: Payday loan

Roughly 10+ years ago I closed out my accounts with JP Morgan Chase Bank XXXX in order to close out an unsecured line of credit I had to pay it off. I did that to close out my account roughly {$500.00} payment when I closed out the accounts, and now I get this late payment that showed up on my credit report after 10+ years stating I owe close to {$900.00} dollars. I have never had any payment schedules or notifications in the 10+ years because I paid it off. Upon calling them I am told I need to show proof I paid it off. I would like to think that if indeed I had not paid it off ( which I did ) I would have immediately received late payment notifications. I left Chase bank because of some poor customer service and charges that were way out of line with the other banking institutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I gave permission to XXXX XXXX mortgage company to run my credit. XX/XX/XXXX a hard credit inquiry was done by XXXX XXXX mortgage company without my knowledge or permission. I called the company to complain and was told that my phone call would be returned. Over the phone I expressed how I did not give them permission to run my credit again.Because of my accusation I assumed they would not return my phone call and have yet to do so. Im currently working hard to fix my credit to buy a home but illegally obtained hard inquiries are hurting my credit and should not be allowed. 
Thank you for your time.
Product: Credit card or prepaid card

Closed account without my permission. I dont care what the law or agreement states. Force them to reopen it at once. Or give me lots of chocolate & BEER. hahahahahahahahahahahaha I'm XXXX!
Product: Credit card or prepaid card

On my Mastercard statement with a due-date of XX/XX/XXXX, there was an item dated XXXX in the amount of {$1300.00} which I did not recognize. 
XXXX I called the " Account Inquiries '' number XXXX and spoke with " XXXX '' in their fraud department, not entirely sure what was going on yet. She took the charge off the statement for the time being, so that an investigation could take place without charging me, and cancelled my card, issuing me one with a new number. 
The statements " due '' XXXX XXXX and XXXX XXXX, XXXX were fine. 

However, M/C informed me that they had investigated and that the charge IS mine, and that the credit card had a " chip '' in it, " proving '' that it was used onsite and not called in by telephone. Result : the erroneous charge of {$1300.00} was back on the statement with the due-date of XX/XX/XXXX. 

I can not explain how my card was somehow duplicated and fraudulently used. The original card remained in my possession until I shredded it in XXXX, and I have neighbors who can verify that I was in town that weekend, having taken my grandson to the Airshow.