23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Scammers hacked into our landlords main server and hijacked all of their email accounts. The scammers then sent us accurate rent and utilities invoices for the month of XX/XX/2022. The invoices came with a notification that payments should now go to a different Wells Fargo Account. Same name / different account number. I bank with Wells Fargo, my landlord banks with Wells Fargo, the email came from his email address. Seemed legit, so I transferred the money. 

The next day, I asked my landlord if he received the funds. He said, No. I showed him our email correspondence over the past week. He acknowledged that the emails were not written or sent by him. He did find that someone hacked into his server and the new Wells Fargo account was not his. 

I notified Wells Fargo Bank at the beginning of XXXX immediately after the scam. Ive called Wells Fargo several times for a resolution without success. I have not received a single initiated correspondence from Wells Fargo. Looking for a resolution and for Wells Fargo to act as time is a factor.
Product: Credit reporting or other personal consumer reports

In 2017 a credit card was opened fraudulently in my name with XXXX XXXX. When I finally realized this account, it was completely maxed out and reporting as a charged off account. This was and still is hurting my credit score with all 3 major credit bureaus. I have been disputing this account with XXXX XXXX since then with no luck even with a police report that I provided to them and added to my credit file with XXXX, XXXX, and TransUnion as well as a fraud alert for future security so that creditors and I can make sure that it is in fact me applying for credit. Recently, I opened a credit card financed thru XXXX XXXX, went thru the verification process identifying myself with security questions and was approved. One month after, I tried using that card and was declined. When I called to ask why my card was not working, a rep told me that my card was completely closed due to identity theft. After being transferred to over 5 different people, I was told that this card was opened fraudulently and they would not reopen this account. I explained what happened to me in 2017 when an account was actually opened fraudulently and this was a mistake because I went thru the steps to identity myself to attain this card. XXXX XXXX said there was nothing they could do but now I am blocked from ever getting approved financed from them going forward. The actual fraudulent credit card is still reporting negatively. They closed a legitimate card for no reason however kept reporting the fraudulent card. I have had a mortgage account in excellent status for over 12 years and was a part of the class action suit XXXX XXXX was involved in regarding their employees opening fake accounts so this is unbelievable to me. Remove this account immediately from my credit file!
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were unknown to me. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the letter was sent. Ive already included this in my previous Complaint and I am including it again. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Debt collection

Received a call from XXXX XXXX from Hillcrest Davidson advised of debt. Refused to provide written statement of debt stating that they have no obligation to send information he advised that we had to request information and could only receive communication by email. Refused good faith payment and stated that debt was incured by communal law. However debt was incured before marriage and is not able to be carried over. Was threatened that he would ruin my credit if not payed immediately and had access to entirety of my credit report. Stated that he would go after my wife next. Stated several times that I had no consumer rights. And that he would continue harassing me until the debt was payed.
Product: Bank account or service

I followed XXXX which redirects me to this link XXXX to open the checking account with eFirstBank and i should be getting {$200.00} as cash bonus. 

As per the text *Cash offer is not available to existing FirstBank consumer checking customers or those whose accounts have been closed within 90 days or closed with a negative balance. Offer valid for new personal checking account opened between XX/XX/XXXX and XX/XX/XXXX. The account must be opened online at efirstbank.com/offers or bring in this advertisement to any FirstBank location to receive the {$200.00} offer. Limit XXXX gift per household, per lifetime. Limit one gift per account. The cash offer will be given if the account opened is in good standing, and the customer enrolls for online banking, and XXXX direct deposit greater than {$500.00} posts to the new checking account. Direct deposit must be new to FirstBank and must be payroll, pension, Social Security or other government benefits. Direct deposit can not be multiple direct deposits combined that exceed {$500.00}. Requirements must be met within 60 days of account opening and the cash offer will be deposited into the new checking account within 90 days of account opening. We reserve the right to substitute gifts offered at any time with an item of similar value. Limited time offer. The {$200.00} cash offer is considered interest and is subject to IRS and other tax reporting. The cash offer is considered a bonus that can be revoked if the account is closed within six months of opening. FirstBank employees and employees of other financial institutions are not eligible to receive the offer. Online Banking plus direct deposit required. Other conditions and restrictions apply. See branch for details. Member FDIC. 

I should be getting the cash bonus of {$200.00} but i was told just because I am working in XXXX XXXX which is financial services company - I wo n't be getting it. Well that 's not mentioned any where. These guys wasted my time, efforts and i end up with a credit inquiry also but not getting the {$200.00} cash back bonus.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, and XXXX is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreements to show full ownership of the accounts and also other documents so I XXXX review to see if they are actually accounts that belongs to me.
Product: Credit reporting or other personal consumer reports

Kindly remove and block the unauthorized accounts from my credit report as soon as possible. I did not initiate these accounts and have no information regarding their origins. Per USC 1681g, I am formally requesting their removal within XXXX  days. Enclosed are supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my reports and noticed you are reporting the incorrect high balance, incorrect date of last activity, and incorrect payment history for account ( XXXX XXXX XXXX ). Because the high balance, date of last activity, and payment history being reported by your company, XXXX, and Equifax are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. Please delete this account immediately!
Product: Debt collection

I'm in the process of cleaning my credit and came across this account in my file. Please validation is need as I am unaware of this account. As per the fair credit reporting act please provide : 1. Copy of original contract with signature 2. Original bill with breakdowns 3.  Notarized copy of the purchase of the debt 4. Copy of bond and license to collect in my state.
Product: Credit card or prepaid card

Whereas every obligation is to be discharged upon payment, dollar for dollar ( in any coin or currency which at the time of payment is legal tender for public and private debts ). And where every provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed ; please take the necessary steps to discharge any debt incurred from consumer credit transactions on this card under XXXX XXXX. 

Additionally, in accordance with 15 U.S. Code 1666 ( A ), please take the necessary steps to credit any balance created in connection with consumer credit transactions on this credit card. 

BANKAMERICARD PLATINUM PLUS MASTERCARD - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and have to clean up my credit so I started disputing some items I don't agree with on my credit report. The first time was on XX/XX/2021. I read that the bureaus had 45 days to respond to the disputes but I never received anything from any of them. So I sent another dispute on XX/XX/2021 to all 3 bureaus. I still to this day haven't received anything from any of the bureaus to know what the outcome was or if they plan on investigating. So today, XX/XX/2021 I sent another dispute round but I did it online directly with all 3 bureaus. They have a LEGAL timeframe of 45 days to respond and they didn't, twice, this is not professional in any sense at all.
Product: Debt collection

I have a rent debt on my credit. It was removed from all 3 credit bureaus but it still remains on my rent bureau report. I was informed that the rent debt was for an apartment that i never lived at. I was a victim of identity theft. Someone filed taxes using my social and I had fraudulent things put into my name. I have been clearing up this mess since I became a victim of identity theft. I have been disputing things on my credit report and submitting documents and proof. There is no reason this rent debt should be showing on the the rental bureau when it has already been removed from all 3 credit bureaus. I was under the impression that this issue was resolved but i recently went to co sign on an apartment for my daughter and it showed up on the rent bureau. Which was surprising to me because I have not had any issues since its been removed from the 3 credit bureaus. 

I have continuously disputed this fraudulent Rent debt and have successfully had it removed from the credit bureaus therefore it should also be removed from the rent bureau. I never lived at these apartments. I was residing in XXXX XXXX, NV with my fianc and his sister and her son. I should not be held responsible for someone illegally using my personal Information. It is already bad enough that I have issues every year filing my taxes due to the identity theft. I would like to see this issue resolved immediately.
Product: Credit reporting or other personal consumer reports

Unauthorized Communication and Privacy Violations : I am filing this complaint because XXXX XXXX has repeatedly communicated with me regarding an alleged debt without my consent, in violation of the Fair Debt Collection Practices Act ( FDCPA ). These communications included unauthorized sharing of my personal information with third parties, constituting a serious breach of my privacy rights. 

Inaccurate Reporting to Consumer Reporting Agencies : XXXX XXXX has reported inaccurate information related to this alleged debt to consumer reporting agencies ( XXXX, Experian, XXXX ) without providing any validation or proper documentation. This inaccurate reporting is harming my credit profile and violates the Fair Credit Reporting Act ( FCRA ).
Product: Checking or savings account

On XXXX XXXX, 2017, at around XXXX XXXX, I tried to cash a check at the Chase Branch located at XXXX XXXX XXXX. XXXX, CA XXXX. My attorney and I presented a check for deposit to a Teller named XXXX XXXX I explained to XXXX we needed to deposit two checks made out to The Law Offices of XXXX XXXX XXXX and XXXX XXXX XXXX to my checking account. One check was for the amount of {$2300.00} and {$1900.00}. My attorney and I both endorsed the checks in front of XXXX the teller. XXXX refused to deposit the checks because they were made out to me and my attorney. I explained to XXXX I had called Chase 's Deposit Review Department to get the specific instructions of how to deposit my checks. I asked  XXXX to call and verify with the Deposit Review Department for instructions on how to deposit my checks. XXXX refused and went in the back to ask the Banks Manager. XXXX returned and said his manager instructed him he could not deposit the checks. I asked if I could speak to the Bank Manager, so I could explain I had already spoken to The Deposit Review Department before I came to the Bank. XXXX refused to get the manager and rudely told me to get out of the Bank. The Manager had a responsibility to resolve my deposit issue with XXXX. The Manager should make every attempt to resolve any and all banking matters before turning away a customer. Further, XXXX lacks professionalism in his dress as a XXXX. XXXX was dressed in a XXXX XXXX XXXX jacket. A job as a teller is a professional job and should dress accordingly. Tellers need to project professionalism for Chase Bank and their customers.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, my lease with XXXX XXXX  XXXX ended. Due to Hurricane Idalia, I had a verbal agreement with management to extend my stay temporarily, and I vacated on the agreed-upon date. Despite leaving the unit in acceptable condition, including having the carpets professionally cleaned and providing photographic evidence, XXXX XXXX falsely claimed carpet damage and holdover tenancy. These claims were later sent to XXXX Collections without proper validation or evidence. 

On XX/XX/XXXX, I formally disputed the debt and requested : XXXX. An itemized breakdown of charges. 
XXXX. Proof of carpet damage with supporting documentation. 
XXXX. Evidence of holdover tenancy claims. 

While XXXX XXXX provided limited documentation, it was incomplete, inaccurate, and failed to substantiate the debt. 

Laws Violated : 1. Florida Statute 83.49 ( 3 ) : This law requires landlords to provide proper documentation of claims made against a tenants security deposit. XXXX XXXXXXXX failed to provide sufficient evidence to justify the alleged damages. 
2. Fair Credit Reporting Act ( 15 U.S.C. 1681 ) : The debt reported to credit bureaus was inaccurate, unverifiable, and incomplete, violating FCRAs requirement for accurate and complete reporting.

3. Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) : Ideal Collections reported and attempted to collect on a debt without validating its accuracy or legitimacy, as required under FDCPA 809 ( b ).

4. Florida Statute 83.56 : XXXX XXXX did not issue a formal eviction notice or otherwise follow proper procedures for holdover tenancy claims. 

I am requesting : The immediate removal of this inaccurate debt from my credit report. 
The cessation of all collection activities related to this unverifiable debt. 
Compliance with state and federal laws regarding accurate reporting and proper debt validation.
Product: Checking or savings account

**I AM SUBMITTING ADDITIONAL DOCUMENTATION PROVING THAT THE CHARGE WAS FRAUD** XX/XX/2023 : I was fraudulently charged {$1700.00} for an XXXX XXXX XXXX XXXX TN purchase. I did not authorize or make this purchase. I have never had a contractual relationship with XXXX or XXXX XXXX XXXX XXXX TN. 

XX/XX/2023 : I made a claim with Chase stating that I did not authorize/make this purchase. 

XX/XX/2023 : Chase responded that they would NOT credit my account stating We found that the transaction ( s ) was processed according to the information you provided or was authorized. 

XX/XX/2023 : I immediately called Chase stating that I would like to appeal this decision as I have NEVER RENTED FROM XXXX in my life. I have absolutely no knowledge of this charge, and I have no contractual relationship with XXXX. Chase told me to dispute this with XXXX. XXXX in return told me that since it was Fraud, legally, only Chase could do something about it. 

XXXX told me that legally, because this was a fraudulent purchase, I would have to go through Chase to get my funds back. 

XXXX provided me with the rental agreement for this purchase of {$1700.00}, which shows that I did not enter into a contractual relationship with XXXX ; it shows another person who did instead. I do not know this person and I did not authorize this person to charge my card for this transaction. 

I have uploaded a copy of the rental agreement which proves beyond a reasonable doubt that the {$1700.00} withdrawn from my checking account was fraud.
Product: Payday loan, title loan, or personal loan

I bought a solar/battery back up system for my home. The company that sold me the system is now closed and filed bankruptcy. The system is not as advertised. XXXX is the finance company that my loan is through. 

XXXX will not honor my state Attorney XXXX request to halt loan payments until the bankruptcy is finalized. 

I am making monthly payments on a solar system that does NOT save me any money on my electric bill.
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. What is your authorization of law for your collection of information? 
3. What is your authorization of law for your collection of this alleged debt? 
4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received {$500.00} from the sender via venmo. On or about XX/XX/year> venmo put a hold on the funds so I called the sender. The sender subsequently called venmo, verified his identity and asked for the funds he transferred to me to be unblocked. He received confirmation from venmo the issue is resolved and he is good to go ( screenshots of message from venmo to customer are available for review ). Fast forward to XX/XX/year>, the {$500.00} sent from the sender is still being held by venmo and they have also now debited my account {$500.00} + {$190.00} fee. I spoke with venmo again this morning ( XX/XX/year> ) and they told me the issue is under review. I asked for details of why my account was debited, they said no info is available. I asked if I could speak with someone, they said no one is available to discuss. I asked how long how long the review will take and I was told there is no specific timeframe but I will receive an email in the future. Considering venmo is holding the {$500.00} sent by the sender to me while they investigate, how is it fair for venmo to also debit my account for an additional {$690.00}? Unfortunately venmo is totally unresponsive when I ask them this question. Id like an explanation as to why venmo was able to deduct {$500.00} + {$190.00} from my account without seeking my permission, in accordance with regulation E. I would be very grateful for any assistance CFPB can offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX is reporting five student loans on my Transunion and XXXX as " Account 60 days past due date ''. They have transferred these loans to another lender and the pay status is still showing incorrectly. I have disputed this incorrect information with Transunion and XXXX, but they keep saying that the information is verified as accurate by XXXX/XXXX. I have also written XXXX/XXXX and they have not responded to my dispute.
Product: Student loan

I qualify for PLSF and have taught for 20 years in public schools. I need someone to advocate. I submitted and student aid gov never responded and put damaging information on my credit. My loans by law should be forgiven.
Product: Payday loan, title loan, personal loan, or advance loan

I called the company on XXXX the XXXX to advise that I would be making the payment due on XX/XX/XXXX for {$490.00} on XX/XX/XXXX. I was then told that on XX/XX/XXXX I would have to pay {$860.00}. When I asked for an itemization of the charges the company refused to send it to me. I asked for this multiple times and never received anything from them. I communicated with them through text message and repeatedly asked for the itemization and they still didn't send it I proceeded to tell them that they were asking for almost the payment and I wanted to know why before paying the excessive amount. This morning my vehicle was repossessed and when I called they said that if I had paid on the XXXX my payment would have been {$590.00}. So I asked why I was told {$860.00} and there was no explanation. I told her I have the phone call recorded where I was given incorrect information and she said it doesn't matter you now need to pay the entire amount of the loan to get your vehicle back which is {$2200.00}. They refused to to XXXX cash or work out any type of arrangement stating that they had been trying to communicate with me and were unsuccessful which is total XXXX. I have text messages and a recorded phone call to prove that I had some form of communication with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently sitting in front of a banker that states I do not qualify for a free checking account because Experian ranks my Credit score at XXXX. These actions against me are retaliatory and discriminatory. How is it other venues have my scores at XXXX additionally I just paid down my debts. A creditor removed a collection item 3 weeks ago sent it to the credit bureaus. Experian still has it own there and lowered my FICO after getting notice my credit card bill was paid down. This is a common practice for them to do this. When an invalid debt is to be removed the either remove without notification and no increase in the score or lower the credit score then remove the negative item so the credit score never fully receives the increase it should. All one needs to do to verify this is look at the items I have disputed since XXXX where the creditor removed the invalid negative item and Experian and XXXX  specifically delayed the removal and never applied the proper score increase. Experian has hard inquiries on my credit and Ive not had any request for credit from Experian. XXXX XXXX lowered my credit limit in XX/XX/XXXX stating they received information from the credit bureaus. Nothing had changed on my credit. Both XXXX and Experian reported me late 2 in XX/XX/XXXX for XXXX XXXX. Per XXXX XXXX they did not send anything to the credit bureaus because I was not late.