23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I woke up to a text message from Wells Fargo asking if I could verify some suspicious purchases on my debit card. Two purchases were made at over {$100.00} each, totaling {$220.00} and change, from two different gas stations. One in XXXX, one in XXXX. I immediately called the number provided to report the fraud, and the assistant cancelled that card, sent me a new one, and filed a claim for me. The claim came back saying there wasn't enough information to prove it wasn't me. My debit card was with me in my wallet in XXXX XXXX. They knew it was suspicious activity, ( hence the text message from Wells Fargo ) which I confirmed as fraud. How am I now out {$220.00} for doing what I was supposed to do? They even recognized it as potential fraud! My name on my account is XXXX XXXX XXXX. I'm hopeful this can be resolved, if not I'm switching banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have tried numerous times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have XXXX and Experian Credit reporting agency remove this Bankruptcy. I've never filed for bankruptcy also this bankruptcy has never showed a dollar amount. I've tried calling, emailing and sending letters to them and they will not remover this. This bankruptcy is totally fraudulent and I need help removing this.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed several inquiries that appeared on my credit report. Those inquiries were unauthorized. Capital One Auto Finance was on my credit report XXXX times, however was supposed to be on there XXXXne time. I notified the bureaus and let them know to dispute the unauthorized inquiries however all inquiries were disputed. One of the inquiries that were disputed was connected to my actual automobile loan at Capital One. 

On XX/XX/year> ( almost two months later ), my installment loan from Capital One was removed from my credit report AND my ability to monitor my account was blocked online by Capital One. I contacted Capital One to find out what happened and they advised that XXXX blocked my account from being reported due to suspected fraud. I let them know that the account was not identity theft and that I had possession of my vehicle and they advised me that they would close the fraud case and send a letter of reinsertion to XXXX and the remaining bureaus so my account could begin reporting once again. 

I spoke to XXXX and they advised me that they did not block my account from Capital One and that Capital One was the one who blocked the reporting of the account. XXXX escalated the situation to higher management who further confirmed that they did not block the account. They advised that if Capital One wanted to resume reporting, they would have to contact XXXX and request for it to resume reporting. 

Capital One states that XXXX is responsible for the account being blocked. XXXX states that it is documented in the communication sent from Capital One that Capital One is the one who is blocking the account. I had someone from the Office of the President to call me today and advise that there was nothing that they could do as it was not their responsibility. 

I need my account reporting on my credit report and I need access to the app on Capital One to monitor my account and be able to make payment. Please make the two companies resolve the issue. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We spoke with XXXX XXXX at Mountain Run Solutions ( Collection Agency ) on XX/XX/XXXX. We let her know that we had never done business with XXXX. She sent over an alarm contract that was made between our XXXX restaurant in XXXX with XXXX XXXX. We sold the XXXX restaurant to a new owner and then they went out of business. The new owners might have been doing business with XXXX, but we never had an agreement between us and XXXX. 

We notified XXXX XXXX at Mountain Run Solutions that she needed to remove the claim on XXXX XXXX credit report. We let XXXX know that she was causing financial damage to XXXX XXXX fi she did not remove the invalid debt within XXXX to XXXX business days. 

XX/XX/XXXX we reached back out to XXXX to get a response, asking her how her company would like to proceed and if they wanted to continue causing damage without any financial obligation with XXXX XXXX and XXXX. She responded back that she has already validated XXXX debt and the account is valid. 

XX/XX/XXXX we reached out to XXXX and we spoke with XXXX at XXXX Customer Service in the XXXX office. He did some digging and came to the conclusion that this was not a valid collection and asked us to tell the collection agency ( Mountain Run Solutions ) to call the Loyalty Department with XXXX  to have this taken off XXXX XXXX credit. 

We immediately relayed the message to XXXX XXXX at Mountain Run Solutions and then on XX/XX/XXXX she responded Sir we do not contact XXXX like that. We just purchased their debt so if anything needs to be rectified it needs to be done by them directly with us. At the end of it all, they are the ones who placed this in collections. 

We responded to XXXX XXXX that just because they purchased the debt, that doesnt make it a valid debt and that she needs to call and speak with XXXX. She is refusing.
Product: Debt collection

I am sending this to bring to your attention the injustices that are being committed against U.S citizens such as myself. I have on several different occasions made known to CFPB that I am being taken advantage of by corporations that are not upholding there responsibilities assumed by them to report accurate, correct, and complete information. I am now reaching out to you again about in specific a collection agency that goes by the name of PROCOLLECT , INC . I have provided PROCOLLECT , INC with FTC reports explaining thefts that happen to me pertaining to information they house and how the information they are housing as well as are reporting is not information that reflects any account that I have opened knowingly. I have also provided them with law and other reasonings and instructions pertaining to the theft and am being taken on a goose hunt. They are responding to my letters with the same response each time I ask for a reinvestigation of my case. This has been years and I am still dealing with this account reporting on my credit profile. I am beginning to get very frustrated and now again I am asking that you CFPB to look into this fraudulent account you being the governmental body and make PROCOLLECT , INC abide by the law as this is what the system is based off. The letters sent to PROCOLLECT , INC prior to this attempt are attached with this complaint. PROCOLLECT , INC is asking for a police report but I am not in my city at the moment and shouldn't have to deal with that hassle. According to FDCPA, FCRA, and FTC a FTC report which is equivalent to alerting the local authorities coupled with my testimony is all that is needed to validate that the theft has actually occurred. And if the company is looking for more proof than all the documentation I have already provided, then I also am asking the company to prove the debt is mine by providing me with the original contract between me and the Original creditor. Specifically this contract I'm looking for as proof of the debt must bear my signature to be valid and must be the original instrument used when the account was opened. If this proof is not specifically provided, by law the account in question must be deleted according to FCRA. I am asking this thing be handled immediately or I will seek litigation.
Product: Checking or savings account

Impersonator tried to open a bank account ( Bank of America ) and trading account ( XXXX XXXX ). Called XXXX and had both applications cancelled by the companies. When checking to see who else I should notify, XXXX advised telling the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 and 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: Checking or savings account

In late XXXX my brother XXXX XXXX received a check for XXXX from XXXX treasury. He is currently XXXX in the XXXX I have power of attorney to handle any financial matters on his behalf. When check was recieved I called the branch where i bank and spoke to XXXX XXXX. I asked him which was the best way to deposit into my account. I informed him i have power of attorney and should i just add my brother as signer? He informed me that would take a few days but instead i could just expedite the check to my brother, have him sign it. Then i bring the check to the branch and sign it and that would be ok in lieu of poa. So this is the route I took. I deposited the check. There was a 7 day hold, which was fine, 6 days later I get email alert saying my account is restricted. I call the risk dept. They in turn tell me my brother needs to verify the check by phone with a verifiable phone number which is fine. I provided my brothers number, the risk dept says it was not verified in their system XXXX. My brother proceeded to get a new phone with a new carrier to get this resolved, neither of these numbers are coming up as verified, which makes no sense. because both numbers are his. In mean time I am calling the risk dept and visiting the branch daily to try to understand a resolution for this. I spoke with many supervisors and was advised by XXXXXXXX XXXX XXXXXXXX that i can go into the branch and have the banker upload the poa. It would suffice, and they would forward it to the legal dept, the legal dept would verify it, then relay the message to the banker, then the banker would relay the message to the risk dept to lift the hold. I went to the branch and XXXX uploaded the XXXX, and said it was a XXXX hour turn around time to get this resolved, XXXX hours pass, i call back to risk dept, they say the papers were not uploaded correctly. I have to go back to the branch and have XXXX XXXX again. XXXX hours go pass. the risk dept says there still is no update from banker. I go back into the branch and XXXX now says the legal dept doesnt know what to do with the forms and now needs to escalate to branch operations, meanwhile I am calling and supervisors in risk dept and they are saying that poa just needs to go to the legal dept at the branch level. A few supervisors even tried reaching out to XXXX, I eventually have to go back to branch to get a status upadte and now XXXX tells me branch operations wont accept the forms because its out of their scope?? The numbers still are not being verified in the system. I am consumed with this, and now my account is closed, our rent and bills are behind, and this has been a wild goose chase with no resolve. I have been given the wrong information from bankers, supervisors, the branch mgr s and employees made me feel like I was bothersome because I was trying to get this resolved. It just makes no sense at all and a month later I am still in the same place as before this is ridiculous. I would like a resolution
Product: Checking or savings account

I opened an account with SOFI bank online. I transferred from outside banks XXXX deposits of approximately {$7400.00}. The bank received the deposits and instantly restricted my account. I have called repeatedly to inquire and all they say is they are investigating and to call back. I have been calling for over XXXX weeks. My funds are frozen, and no one will assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I recently received a copy of my credit report. I am concerned about the accuracy of the information being reported. Please investigate the following accounts as I don't believe the information to be accurate. 
Please remove the following inaccurate address from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the FCRA, accounts that have been disputed by the consumer must be notated as such. Your failure to investigate this account, and notate it as such, is a violation of the Fair Credit Report act
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Overview : - Opened a new Checking Account with CitizensBank for Mortgage purposes. CitizensBank had a " Get Paid {$200.00} '' promotion when you open a new checking account with them. 

Promotion parameters : - Open first, new One Deposit Checking from Citizens Bank online between XX/XX/2018 to XX/XX/2018. 
- Make a {$500.00} deposit or more within 60 days of opening. 

What I did : - Clicked through their promotion portal. 
- Opened One Deposit Checking account with CitizensBank using their promotional portal on XX/XX/2018. ( I will include the {$200.00} promotion screenshot when applicable ) - Made a direct deposit within 60 days of opening account and according to my bank statement the first direct deposit of {$560.00} went in on XX/XX/2018 and then another direct deposit of the same amount on XX/XX/2018. 

Waited over 60 days and did not see CitizensBank deposit the  {$200.00} in my checking account. On XX/XX/2018 using the support number provided on the promotion page I called their support ( XXXX ). The support agent I talked to seemed very puzzled, and had me on hold for about 15 minutes collectively as she went to find information on the promotion.I told her at one point that I had the promotion saved and in front of me and if she would want it forwarded to her. She said no and that she was put me on with her supervisor XXXX. XXXX explained to me that they couldn't find the promotion and that they would create a case and forward it to " their '' research department. I also informed XXXX I have the promotion screenshot. She asks me to please forward the screenshots to XXXX. She gives me the case #. I include the case # with the screenshots and was able to verify that she received it on her end. She ends the call telling me a person from the research department should reach out to me within 1 to 2 business days. They did not call me back until XX/XX/2018. And when they did call back the person on the phone only called me to inform me that they could not find the promotion I was talking about. She also made a comment about a promotional code should have been provided to me when the process started, but I remember clearly that I did not see a code presented what so ever in the process. And if there was one, and if it was indeed important to setting up this checking account with CitizensBank I would have made note of it. So I asked her what will happens next? She basically said in a nice way that there is nothing to pursue and that no one was at fault. Needless to say I was not happy with that response. 


They were not willing to make this right and I feel scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report. It has been well over thirty days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Payday loan, title loan, or personal loan

called lending club on XX/XX/2018 to inquire about a loan that I put a application in for and was on the phone with a supervisor asking general information about what to send in to them because when I called earlier in the day the person I talked to really told me nothing about anything when I asked and pretty much just rushed me off the phone and while asking a supervisor about everything she just said the XXXX with it and just hung up the phone just want to know what kind of company is this
Product: Credit card

XXXX XXXX XXXX  XXXX I got my XX/XX/XXXX statement of total {$300.00} ( with a {$28.00} late fee and {$5.00} interest charge ). first, i setup scheduled payment before due date and i never been late on this card payment since i owned it from XXXX. I paid my balance in full for the XX/XX/XXXX, and from the statement of XXXX  transactions ( i only made a total purchases at XXXX XXXX XXXX of {$130.00} ) ; it seems XXXX XXXX XXXX my {$130.00} twice ( XXXX + XXXX late fee + XXXX interest = {$300.00} ). I called XXXX XXXX, they readily accepted it is their fault and will correct the statement. 

BUT, what if I didn't notice, WHAT ABOUT PEOPLE WHO DON'T NOTICE??? 
They didn't give me a reason for this error. 

Just want to warning other consumers to check your monthly statements, it could get muddy for XXXX XXXX or XXXX
Product: Debt collection

XXXX XXXX XXXX was the durable medical equipment provider for a XXXXXXXX XXXX, which I had in XXXX. I had many negative experiences with this company, due to their lack of professionalism. They tried giving me an outdated machine, which my doctor had not prescribed. After not getting what I wanted The follow up was extremely poor. 

In XX/XX/XXXX, the owner of XXXX, XXXX XXXX left a phone message asking for a serial number of a brand of machine I didnt even have. 

Any money that would have been owed on this equipment would have mostly if not completely paid by my medical insurance company, XXXX ( XXXX XXXX XXXX XXXX ), at the time. 

Unfortunately, I was given erroneous information from the SSA and XXXX XXXX XXXX regarding my medical coverage. Both entities told me I could stay on the XXXX XXXX XXXX XXXX XXXX XXXX, even though I was XXXX XXXXXXXX. XXXX stopped paying my medical bills when they discovered I was Medicare eligible, which was XXXX XXXX, XXXX. It wasnt until XX/XX/XXXX, that this matter was resolved and any reversed claims paid by XXXX, would have then been then been paid by Medicare, retroactively. 

I have not received, nor heard from XXXX XXXX XXXX since XX/XX/XXXX, when I spoke and emailed XXXX XXXX, owner of XXXX. His representative handling my supplies had not been responsive to poor quality accessories I needed for the XXXX I never did hear from them again and found a new supplier for my accessories. 

I do not understand why after nearly five years, I am getting a collection notice on XXXX behalf.