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

Someone stole my daughter 's identity and was using it do online transaction. OnXX/XX/XXXX, my daughter received a report from Chase Bank, alerting her to an overdrawn that left her account in the negative. She contacted Chase customer service and she was put through to the claims department where she  disputed the claims. She was told that after an investigation, that she would be contacted. I made sure to remind her to keep up with them, Chase Bank did n't send any letter to inform us the outcome of their investigation. We did n't know what was going on. I was concerned because when I first opened that Chase account for her, I linked my account to hers, so I could monitor her spending habits. This person continued to write checks in my daughter name and deposit it online. A total of {$3600.00} was deposited and withdrawn from her account. by this person. Meanwhile at the time of the Illegal online transaction my daughter has only {$90.00} in her account. 
On XX/XX/XXXX, when my daughter turned XXXX, without a completion of the investigation by the bank, the total amount that was withdrawn from my daughters account, was withdrawn by Chase bank, from my account. I called the bank and tried to find out why they had taken money from my account and they claimed that it was because it was linked to my daughters account. I repeatedly tried to explain to them that I didnt think they should have taken money from my account, especially considering that the overdraft was not from my personal account and besides, it was an unauthorized transaction. I tried to explain several times with the hope that they returned my money, all to no avail. Chase Bank later sent an affidavit to my daughter explain to them what she knows about this unauthorized transaction, of which did. It was afterwards that bank sent a check to my daughter in the amount of {$2100.00} with holding {$1400.00}. On XX/XX/XXXX, the bank started taking money from account again without any explanation. In separate occasions in the month XX/XX/XXXX, they took {$330.00} and {$480.00}. I called the bank to find out what was going on they told me they want recover the money that was sent to my daughter. They told me make payment arrangement. Chase bank could not protect my daughter 's account. Now I 'm being penalize for unauthorized transaction from daughter account. Look at little me and giant Chase bank taking the little I have. I have attached my supporting document with this complaint. I would like Consumer Finance Protect Bureau to investigate this matter. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is identity documents for verification of my identity. Banks, credit unions, creditors, and lenders are having an issue of obtaining my credit report and credit score from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and Equifax. Lenders need to be able to pull, access, and obtain my credit report from XXXX XXXX XXXX XXXX, XXXX, and Equifax. I want XXXX XXXX XXXX XXXX, XXXX, and Equifax to delete and remove all fraud alerts and extended fraud alerts from my credit report and release my credit report and credit score to any bank, credit union, lender, or creditor who request my credit report. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/, XXXX : XXXX
Product: Debt collection

I am unable to give the amount owed, which is why I am contacting you. Atlantic Credit Financial does not have a website or method of keeping the consumer informed about the balance of the remaining debt. They are difficult to contact or at least I have been unable to contact them on this day XX/XX/2019. 
I will try again tomorrow and if I am unsuccessful I will stop payments from my bank account ; after-all who wants a continuing bill for life. What should I do about this?
Product: Debt collection

THIS IS A DEMAND NOTICE On XX/XX/year>, Mercantile Adjustment Bureau , LLC, who was collecting on behalf of XXXX XXXX XXXX XXXX XXXX, sent me a picture and text message. The text nor picture indicated who you were attempting to collect from, only that you were collecting for a XXXX XXXX account. The text included a link. I previewed the link and could see it was for my brother XXXX. This is a willful violation of both the TCPA and FDCPA. You have never received prior TCPA consent to contact my phone number ( ending in XXXX ). Despite knowing you had no consent, you sent me both a picture message and text message. The communication not only purposefully identifies that a debt is owed, but also masks who it's for and makes you click on a link to find out. You knew the phone number was not my brother 's, as it has never been associated with him, and willfully told a third party about the debt.
Product: Credit reporting or other personal consumer reports

I have been dealing with having debts that are not mine removed. All 3 credit bureaus to this date has NOT provided me with any information I have asked for and COMPLETELY IGNORED my last request for ....

1. The name and address of the original creditor 2. The original date of delinquency and amount owed 3. A copy of the original contract or other documents bearing my signature I have sent several letters .... 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Several letters in between for the information " THEY '' asked for I was completely ignored on the last letter!!!! I have also been presented with " stalling tactics '' All letters I have sent I enclosed a front and back copy of my license, and current utility bill. When it gets close to the 30 day mark I have received letters stating that I had to send in a copy of license and utility bill AGAIN, because it was CLAIMED it was not " CLEAR '' enough. This is not true!!!! I am also getting the run around, I called XXXX, and was told I needed to contact Equifax or XXXX to have it removed .... Since when is this the way it works? I also contacted Equifax and spoke to a " supervisor '' and questioned WHY I have to send yet another copy of the same thing I already sent. He claimed it was not legible, however when I asked if he personally seen it, he could not answer me, and I know it was as clear as day, and this is after I sent them several other copies that they continue to ask for. Please be advised that all letters sent to all bureaus, were sent certified mail.
Product: Money transfer, virtual currency, or money service

I went to the local branch of Wells Fargo bank to do a wire transfer today on XX/XX/2024. I was at the bank at XXXX XXXX  to do a wire transfer to my Lawyer 's bank ( XXXX XXXX  XXXX for my closing at noon on XX/XX/2024 for a house I am buying. I was told by the banker the transfer would happen within a couple of hours at latest end of day. My lawyer informed me the money was not in his account at end of business day. The amount was {$26000.00}. All the information routing and acct numbers were verified by me and the banker verbally and visually at the bank. I have the banking sheets confirming this. My account was debited so the money left my account but was not received. Wells Fargo has on their wire transfer information online that if you submit a domestic wire transfer prior to XXXX XXXX standard time it will go out that day. Mine was submitted at around XXXX XXXX which is like XXXX XXXX time so this should have gone out same day. When I called the Wells Fargo help line I spoke with two people, one a supervisor who then both told me it could take 1 to 3 days. I informed them that no one at the local branch told me this and that their own documentation says it will go out that day as I noted before. I can not close on this house without these funds and this is holding up a financial transaction not only for me but quite a few other people who worked very hard to have this real estate deal take place tomorrow. I have a mortgage with XXXX too and this is not ok I am already their customer. I also paid {$40.00} dollars to have this take place as expected same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my partner and I moved out from our apartment, owned by XXXX XXXX  ( Of XXXX XXXX ). A week or two later, we were presented with a sheet informing of us the " damages '' done to the apartment, the flat costs for these fees.

We disputed this with the rental agency and asked for receipts of the cleaning fees and other such fees they directly paid, as is outlined by Nebraska Law. Specifically, Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421. 

Myself and my partner have both submitted disputes with all three credit bureaus regarding the illegal debt trying to be collected by Rent Recovery Solutions LLC. This has thus far been removed on both of our XXXX and XXXX reports, as the debt has no legal basis in the State of Nebraska, but still remains on both of our XXXX reports. If the majority of credit bureaus have already ruled that this debt is illegal in the State of Nebraska, as outlined by the law above, why does XXXX see fit to keep this illegal record on our credit reports? 

Additionally, Rent Recovery Solutions claims this debt on behalf of XXXX XXXX. We didn't rent from XXXX XXXX, we rented from XXXX XXXX. Second, how could the date of first delinquency for this account be XX/XX/2022, when that was our move-out date? How could it possibly be owed that same day, without first getting quotes from cleaning crews, repairs, etc, if necessary? Receipts that we are owed by law? Thirdly, when we sent a certified letter to Rent Recovery Solutions and they responded to us, without the verification of debt, asking us to call them for further questions. They violated the law, blatantly. Under the FDCPA, a collector must provide you with the information requested about the debt. NONE of that was ever provided to us by Rent Recovery Solutions. They have failed, at every step of the way. They list the wrong residence  company as the " original debtor '' on a debt not valid under Nebraska law, with the wrong first delinquency date, and violate the law while doing so. 

We have both disputed this directly with XXXX, XXXX, and XXXX. It only remains on our XXXX account, as it was " verified '' by Rent Recovery Solutions. Short of the receipts we were legally entitled to, which they never provided in the timeframe necessary for this debt to have any validity, which was never provided after repeated attempts at contacting BOTH XXXX  XXXX   and Rent Recovery Solutions for proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA states that all information reported on a credit report must be 100 % accurate or it must be deleted from the credit report. I sent letters to all bureaus to regarding XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ) account. I asked to update, fix or delete this account because of the inaccurate information they are reporting on my credit report. They said it was verified and nothing was done to my report. These all are the inaccurate information that they are reporting to my credit report. Account is listed as collection. It's showing a balance of {$3700.00}, per the FCRA this is a violation, balance should be {$0.00} Date Opened : INACCURATE Balance : Should be {$0.00} Last Reported : INACCURATE. 
Date Last Active : INACCURATE
Product: Credit reporting or other personal consumer reports

I dont know why my credit history was not too long ago seven years and now its four years so when down when I have some cards which almost 20 years, can you explain me this?
Product: Credit reporting or other personal consumer reports

This is the XXXX time Experian allows this inaccurate information in my credit report! I don't owe XXXX XXXX XXXX {$920.00}. I have a current account with XXXX XXXX XXXX. The collection by XXXX XXXX XXXX and XXXX XXXX XXXX  are not accurate. The collection is not aaccurate.
Product: Debt collection

I discovered a XXXX  bill for my XXXX from XX/XX/XXXX that was sold to a collections agency on XX/XX/XXXX XXXX original amount : {$1500.00} ... current amount is over {$1700.00} XXXX. Neither I nor my XXXX heard anything about this debt. We did not receive mail, a phone call, an email, or anything regarding this debt, or that it was even in danger of being sent to collections. We also did not hear anything from the collections agency itself. The only way we discovered this was by checking XXXX credit report last week XXXX XX/XX/XXXX ). Sure enough, I called the company and verified the debt, but they had no information beyond that as to why we never heard anything about it. They also would not put a hold on the account until I could solve the issue. Just seemed like an informational call, and not a solution-driven XXXX. 

The creditor was XXXX XXXX XXXX and the collections agency is Wakefield & Associates. Neither XXXX of these companies reached out to notify us of the debt, or the ability to dispute it. What is also alarming is that given the date of service XXXX XXXX XXXX, XXXX ), the only bill that could have been received was set up in a payment plan that was paid between XXXX and XXXX of XXXX. This is of course is an assumption on my part drawn from the only possibilities I can think of from that time period. I have no way of knowing or verifying if this is what the debt is coming from.
Product: Credit reporting or other personal consumer reports

The late payments shown don't reflect my regular payment behavior.
Product: Debt collection

I just filed a complaint against AFFIRM about {$160.00} debt I paid through a third party collector XXXX. However on XX/XX/2024, the same third party collector reached out to me wanting to collect the {$160.00} that I already paid. They said that AFFIRM sent it to them for collection on XX/XX/2024. I sent in all of my documents proving that I have already paid including the results of my last complaint against AFFIRM.
Product: Checking or savings account

In late XX/XX/XXXX we received a letter from Fifth Third Bank advertising a {$250.00} bonus for opening a new Money Market account with the bank and depositing at least {$25000.00} in new money into the account. I initially attempted to set up an account on-line however I received an error message that the code on the bottom of the letter was invalid. After several attempts to open the account using different variations of the code ( upper case, lower case, is that an O or a XXXX ) I called the customer service number listed the Fifth Third website. The customer service representative had not heard about this promotion, however he made a number of attempts to input the offer code but got the same result that I had previously. He suggested we visit a local branch to resolve the issue. On XX/XX/XXXX we went to the XXXX, IL branch of Fifth Third and opened a new money market account and deposited over {$50000.00} in new money into the account. The bank representative attempted to use the offer code on the letter, but that did not work. She then tried using a generic offer code from an internal document in her possession, that did not work. We left the branch with confirmation of our deposit but no resolution as to the fate of our {$250.00} bonus. The bank representative said she would resolve our issue and inform us when it had taken place. To date there has been no communication from the bank and my calls have gone unanswered.
Product: Debt collection

CELCO has started to harass me with letters and phonecalls after I already paid my debt, I called them and I said that the debt has already been paid, then they sent me a letter in the mail stating " based on your phone call and your promise to pay '', while I have already paid. They still send me mail, even though I called XXXX which confirmed that I no longer have a debt since I paid my debt in full. 
In addition, during my phonecall with them today, she inquired about CELCO 's fees despite my repeated attempts to prove to her that I had paid. I have also informed them that will file a complaint due to the excessive amount of stress I was subject to, despite having paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), 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 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 listed below.

XXXX XXXX XXXX   XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

This notice is to inform you that PORTFOLIO RECOV ASSOC has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XX/XX/, PORTFOLIO RECOV ASSOC has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information
Product: Credit card

I have had credit cards and excellent credit ALL my adult life. Currently in my XXXXXXXX XXXX Had NEVER paid interest or late charges. Then in XX/XX/year> received notice : email and texts from Comenity Bank that my XXXX account was in arrears. I inquired @ customer service, was told mailed payment not received. Drove to XXXX and paid in person. Concluded maybe payment lost in mail which has happened to me years ago with a utility payment. Then 8 months later the same thing happens with my Commenity AAA Visa. When I happened to mention this to my banker, I was told that she just heard the same story from another customer about her Comenity Victoria 's Secret card. I'm no longer blaming the XXXX. Something unprofessional, possibly illegal is going on @ Comenity, be it staffing problems or just trying to XXXX up profits. My " lost '' payment to Comenity from XXXX just miraculously just showed up in XXXX. I have cancelled my XXXX card with them and will be canceling my AAA Visa. But they need investigated. How many other people have they done this to?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE I'm XXXX now.
Product: Checking or savings account

Wells Fargo facilitated a third party fraud scheme which resulted in monetary loss to me. Wells Fargo accepted for deposit, and made funds immediately available, on checks that were counterfeit on their face due to an unassigned bank routing number. I believed the checks were legitimate instruments and deposited through Wells Fargo mobile app. Wells Fargo only made me aware that the checks were fraudulent AFTER I had paid funds to the fraudster. While Wells Fargo is aware of this fraudulent practice by third parties, it has taken no steps and employs no safeguards on its mobile app to protect its customers from being victimized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  has continuously and falsely verified this alleged account. Both equifax and XXXX have failed to provide me with any documentation of this alleged account. I have sent numerous of verification letters to both companies with no response only to find out that they are continuing to allege that the account is verified. They are also reporting the alleged account inaccurately across the board which is also a violation of the FCRA requirements. Not only is this unverified alleged account not mine but the information on the account is not the same across the board.

( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Also please not that a consumer has the right to extend 15 usc 1602 ( g ) and rescind 15 u.s.c 1635 Creidt.

Also the debt collector is in violation of ( 15 u.s.c 1692g ) and 15 u.s.c 1692 e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure and punitive damages as followed by the court in an individual action up to XXXX