23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XXXX, a Well Fargo Bank Employee had fraudulently opened a checking, savings, and credit card account without my authorization, this account then moved to collections department and eventually sold downstream through collection agencies to XXXX XXXX XXXX XXXX XXXX which have been attempting to collect since XXXX, where attempts to serve a notice to a previous outdated address resulted in the court moving forward to a judgement against me, my wages were garnished in the amounts of {$940.00} from a previous employer and {$1400.00} I have attempted to reason and explain the situation with the representatives of XXXX XXXX XXXX XXXX XXXX to drop the collections attempt of a fraudulent account and return my funds they have taken from me.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Debt collection

Collect Agency has not provided validation information under 12 CRF 1006.34 ( b ) ( 5 ) but yet the placed a collection on my consumer report.

I have not been given a chance to dispute account according to 12 CRF 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating my consumer right by using false misleading, misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681- 2 ( 7 ) ( a )
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion lowering my score unnecessarily, bogusly unfairly.
Product: Checking or savings account

XX/XX/XXXX I received an email from Ally bank that I had opened an account when I had not opened an account. I called Ally bank and they verified my information and closed the account but could not tell me how someone else had opened an account in my name.
Product: Checking or savings account

My complaint is against Discover Financial Services. On XX/XX/2021 I opened a checking account with DFS. At the time of opening the account I did a mobile check deposit of {$10000.00}. On the morning of XX/XX/XXXX I tried logging into my account and found that it was locked. I called DFS and got it all cleared up and I once again had access to the account. A few hours later, in the early afternoon on the XX/XX/XXXXt I received a message to contact DFS immediately concerning my account. I called them and they told me that they closed my account. They gave me no explanation as to why but I didn't have a problem with it until the following day. On the following day, XX/XX/XXXX, I received yet another message from DFS stating that my mobile check deposit had posted to my account. I was very surprised as to how they can post funds to a " closed '' account. Once again I call DFS to ask what needed to be done for me to access my funds. They informed me that I would not have access to my funds until they were done with their investigation, which would take anywhere from 60-90 days. 

This is insane!!! How XXXX  XXXX do you close my account. After it's " closed, '' you accept my deposit and place my {$10000.00} into a " closed '' account and then tell me I have no access to my funds for the next 60-90 days.

I believe Discover Financial Services is intentionally holding my funds hostage for 60-90 days for their own personal gain/profit. This way they would not have to pay me any interest while they do whatever they want with MY money.
Product: Checking or savings account

Identity theft... Someone created account with my name and linked to my savings account. They called and transferred {XXXX} from my savings into their account. This was a phone transfer of funds. Bank kept telling me it was my account. I called 3 times and went to bank 3 times with 2 personal IDs to prove my identity. Person who stole my funds only made one phone call and my funds were transferred to their account. 

When I called bank 3 times they kept telling me it was my account and I made the transfer.
Product: Debt collection

Greetings a Law Firm by the name of Rodriguez Fernandez Law Offices , LLC address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is wanting to collect money from this accounts XXXX XXXX XXXX amount {$2100.00} account from XXXX they Acquired the account on many years ago the account is XXXX XXXX XXXX, the person that called had an inappropriate tone of voice, tried to intimidate me with a court date that we had many years ago, when I explained the time that has passed, she wanted me to make a payment and mention different ways I should be making the payment. I need CFPB to please contact this company and informed them why the cant charge me for this old accounts. Also, I don't want the company to continue calling me for an account is That is more than XXXX XXXX XXXX, Thank you XXXX XXXX XXXX XXXX XXXX Las time I file a complained was on XX/XX/2022 and they responded with this nonsense. 
Company 's Response This claims do not proceed. All accounts are payable. Within statue of limitations and with a valid judgment.
Product: Credit reporting or other personal consumer reports

I value the effort taken to remove certain items from my file attributed to suspected fraudulent activity, yet there remain items that urgently need to be addressed. In accordance with FCRA section 605, you are mandated to eliminate any items identified in an IDENTITY THEFT REPORT # XXXX. The items specified in a preceding communication are reiterated here, supplemented by my latest FTC Report # XXXX. My legal counsel has been briefed on my actions and is prepared to enforce accountability for any deliberate non-compliance : EXPERIAN : XXXX 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 Please be advised that there is a four-business-day window to REMOVE any items from my credit file stemming from alleged fraudulent activity. I explicitly object to the use of XXXX or any form of automated verification.
Product: Checking or savings account

On the XXXX of XX/XX/2023, I was paid by my job and I went to the post office to buy a money order to pay my rent and the next day in the morning on XX/XX/2023 when I woke up to get ready for work my money was gone, I got an alert that my account was declined and I hadnt used my card. There were 5 transactions, one for {$200.00}, {$100.00}, {$50.00}, {$25.00} and {$12.00}. These were XXXX XXXX transactions which I dont use or have XXXX XXXX and the names showing up on my account show XXXX XXXX and XXXX XXXX which I have no relationship with or know these people. I called my bank right away and filed a claim and waited and on XX/XX/XXXX I was told my claim was declined to contact XXXX XXXX and file a claim so I did and XXXX XXXX couldnt help me because I dont have an account with them. I want my money back its not fair that I live check bu check and I rely on every dollar to pay my rent and my bank wont do anything, this makes me emotional and sad and stressed and scared that Ill have more money stolen. I need that money back its not a lot to some people but for me its money I need for food and rent and water.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with experian removing a collection from my account. I have had it removed from XXXX and XXXX already. It is a collection from XXXX XXXX. I have never had XXXX XXXX or an XXXX account in my name. This was done by someone else or it is a fraudulent collection. I have tried to dispute it through experian multiple times to no avail. I am not going to pay a collection for which i never had an account.
Product: Debt collection

I had a checking 's account with US bank. I had stopped working around mid year In XX/XX/2018. I had one thing on automatic payments and it was trying to charge on my account. I had called to help fix that because the transaction kept trying to go through multiple times which now the USbank was charging overdraft fees every time it was trying to charge. I called several times to have this fix, they told me they would mail me the paperwork to dispute it so that they can remove the fees and I wouldn't owe anything on my account. Well now it is being reported as account abuse. I never got the paperwork to fix this and pay any balance that was actually something I owed. They have refused to work with me now instead of helping me lower my balance to what was actually paid. With this on my record I am having such a hard time opening an account or buying my dream house for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous close complaints against Discover Bank and XXXX XXXX XXXX are reporting fraud information with all Credit bureaus as revolving accounts as a collection of debt when both accounts were charged off by Company 's Fraud Department themselves. Discover has sent me statements that I have not requested in an attempt to collect a debt that does not exist. XXXX XXXX XXXX is reporting fraudenlent information as a repossession not as a voluntary surrender to keep me from obtaining a another new vehicle instead of the used one they sold me with a battery that exploded within 2 months and was keft sitying in the apartment complex for 6 months before it would send its towing company fir the vehicle in order that it would appear to be a repo but was not. 

XXXX, XXXX XXXX XXXX, XXXX, Georgia ( XXXX XXXX XXXX ) is now disputing both with Confirmation number XXXX
Product: Credit reporting or other personal consumer reports

XXXX  has been reporting inaccurate information to TransUnion for months. Each time I dispute the account with TransUnion the account comes back verified as accurate and XXXX  updates the account status to something different. This account was never paid late, theres no past due balanced owed to XXXX. Ill attach a copy of my most recent dispute I sent to TransUnion on XX/XX/2023 so you can see all the discrepancies with this account. Ive tried to communicate with this company many times about this issue and its hard to do so because theres no customer support phone number, everything is handled via email and the times Ive communicated with them theyre basically refusing to correct the inaccurate information theyre reporting to the credit bureau XXXX
Product: Mortgage

The bank has been trying to foreclose on her apartment for the last six years. The first foreclosure was dismissed due to fact they had used XXXX XXXX the robo-signing attorney to try to steal the apartment and could not produce the original note. We have maintained the property over the last six years. We are the heirs to our daughter 's Estate. The case was refiled and was at issue. We were never served by the court my wife and I. We located the attorney ad litem that was supposed to defend our interest XXXX, FL XXXX XXXX. He referred us to XXXX, FL XXXX XXXX where we met with both attorneys. XXXX told us he could not defend us and recommended his friend XXXX. We asked XXXX our attorney ad litem to inform the court that we wanted to defend or position as heirs of the estate and he refused. Instead XXXX insisted we needed to hire his friend XXXX to represent us. When we failed to give XXXX or XXXX the business due to lack of funds. It seems XXXX took retaliatory action against us and got the trial moved to an earlier date then the original docket stated and allowed the court to foreclose on the apartment in XXXX for a XXXX sale date, knowing we wanted to defend our interest for the estate. XXXX XXXX also runs the XXXX out of his XXXX and wanted to get the XXXX sale business from this transaction. We are a XXXX year old retired couple with no home of our own living on social security. We are asking the CFBP to investigate this case stop the sale of the property and over-turn the foreclosure due to attorney mis-conduct and mis-representation. 
The bank claims it has been unable to contact us but has never tried. Wells Fargo has our phone number and email. We also met Wells Fargo legal team in court this month and they never reached out to make contact. It is not legal or fair lending practice to the Estate of XXXX XXXX that owns the mortgage to not have the right to bid on the property like the banks investor hedge fund did for {$460000.00}, when the property is worth {$250000.00} more. Essentially robbing the Estate of XXXX XXXX and its heirs and creditors of {$250000.00}. The property in question is still in the name of the Estate of XXXX XXXX and the bank has illegally entered the property. Changed the locks. Started remodeling. Pulled permits. On a property they have no legal right to open and enter. The apartment is not in the name of the bank or a new owner. Please help.
Product: Credit reporting or other personal consumer reports

after carefully reviewing most recent credit report from Experian, XXXX, & XXXX I noticed iquiries that did not belong to me. After reaching out to creditor, I was advised that they did not have a record on file of me ever applying with credit from their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 
After contacting the CRA I was meant with push-back even though I expressed the inquires in questions did not belong to me and the creditors agreed the inquiries are not attached to any file or application they have with my personal accurate information. 
Per 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Money transfer, virtual currency, or money service

I got fraud by a group of  XXXX   XXXX  with  XXXX , an account holder of TCF National Bank with Account Number  XXXX ,  XXXX   XXXX  in Texas,  XXXX   XXXX  and  XXXX   XXXX   XXXX  to wire money out on a mistery shopper job.     I received a package from  XXXX   XXXX   XXXX  with the instruction and a check {$1900.00} issued by TCF National bank  XXXX  Account  Number  XXXX .     The instruction said to make deposit to my bank and the money send out by  XXXX .     I also received a lot of Email and text as name on  XXXX   XXXX  and asked me to do it.     I wired out {$820.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX /   17  and {$810.00} to  XXXX   XXXX  in Texas on  XXXX / XXXX / 17 .     After I wired them out, the check deposit was returned and no able to use the check.     I currently lost money {$1600.00}, wire fees {$23.00} and bank returned fee {$25.00} ; totally {$1600.00}.     I have already called and send  Email, but I w o n't be able to contact them.     Please find them and get money {$1600.00} back from them.     I attach all copy 's of the proofs.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$670.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ======XXXX : XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX  XXXX Balance Owed : {$400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX Balance Owed : {$970.00} XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$1000.00} PXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2200.00} XXXX XX/XX/XXXX NXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

It states on my credit report I lived in Oregon, I have never ever lived in Oregon. 
It states on my credit report there are XXXX inquiries, that i have never applied to ever XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and they show up on my credit reports sometimes more than once It states on my credit report i have an open balance with XXXX when I included it in my bankruptcy, i included all my debt in bankruptcy so it should all be XXXX.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 
XXXX  Facts : XXXX is aware and has proof in the attachment labeled as XXXX XXXX 
XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by XXXX XXXX XXXX Account # XXXX, ( XXXX ) Account # XXXX, ( XXXX XXXX ) Account # XXXX is causing harm to my credit reputation and financial standing. 
All items listed in XXXX XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well-being by falsely stating those non-compliant unverifiable accounts on my report.
Product: Credit card

My university XXXX had a data breach in the summer. I believe i am one of the few who had my information leaked in the summer. The report has now shown on my credit report saying im late on a bestbuy payment. I do not own a bestbuy credit card. The balance on XXXX XXXX XXXXs showing to be {$3100.00} could be more now
Product: Checking or savings account

I have a business account with us bank and they close my account for a overdraft that I never knew about on the account my business name is XXXX XXXX XXXX and Ive tried to get my account
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , we filed a complaint with the  Consumer Protection Agency  against  Ocwen  Mortgage. The  CPA t ook the case and got involve d ( CFPB Case No.   XXXX  ). On   XXXX   XXXX   XXXX  , we received a letter from Ocwen, who finally admitted to a bookkeeping error on their part. They had missed a payment that we made in  XXXX  of  XXXX  and were reporting for over  two  years that our payment was late and were charging us late fees. We thank the  XXXX  for their help. Unfortunately, this problem still persists. We sold the home that this loan was connected to on    XXXX   XXXX   XXXX    and the loan with Ocwen was subsequently paid off. I have copies of all documents relating to this loan payoff. In Ocwen 's   XXXX   XXXX   XXXX     letter they state that they are going to contact  XXXX  and  XXXX  to fix our credit report. I know you will not be shocked to find out that they did n't do it. Not only that, they have not report to the credit reporting agencies that the loan has been paid off.  XXXX  's credit report still shows an open loan to Ocwen in the amount of $  XXXX . We recently applied for a loan with  XXXX   XXXX   XXXX  Bank and were rejected because of the  Ocwen  mark on the credit report. I have tried to reach out to Ocwen to get them to fix this once more and have gotten no where with it. I am begging you to please intervene on our behalf once again to get this fixed. This error is ruining  XXXX  's credit and hindering us from getting a loan. Thank you.
Product: Debt collection

Pro Collect XX/XX/XXXX- convinced me I had a debt of $ XXXX. 
My wife had paid the debt via a money order to original company- XXXX XXXX XXXX , back in XX/XX/XXXX/XX/XX/XXXX. 
I contacted XXXX XXXX and got the {$0.00} balance due invoice receipt from the companies old ledgers, with an email from the general manager of the company stating there no outstanding debt, nor was there any transferred or charged off. 
I sent this to Pro Collect in an effort to get the $ XXXX back. 
The Manager, immediately said how wrong I interpreted the ledger, in an email, despite having the manager from the company send an accompanying email with the ledger verifying there was no outstanding debt. 
As of XX/XX/XXXX Pro collect refuses to give me a receipt for the payment that has now been collected on twice. 
I have also learned that Pro Collect was sent a cease and desist letter in regards to this before they collected again from me years later. Also that they have also failed to adhere to that letter.