23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Equifax Account XXXX : XXXX Account Type - Detail : Mortage Account Loan Bureau Code : Joint Account Status : 120 days past due Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00}, No. of Months ( terms ) : 36 {$0.00} According to XXXX XXXX Equifax XXXX, XXXX is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXXfilling hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!! 

USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) Bankruptcy XXXX XXXX-dismissed hled Equifax Account # : XXXX Account Type - Detail : bankcruptcy Loan Bureau Code : Joint Account Status : BANKCRUPTCY Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} According to XXXX XXXX Equifax XXXX XXXX Equifax is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these laws.15 USC 1681I, 15 USC1681s-2 , 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Debt collection

I have been trying to work with the credit bureaus ( XXXX, XXXX, and XXXX  ) to remove erroneous credit information ( judgement ) for XXXX from Rent Debt Automated Collection since XX/XX/2015, for a debt I do not owe. To date, I have been unsuccessful in doing so. After numerous attempts to try to resolve with both the credit bureaus and Collection Agency, I decided to contact the XXXX XXXX XXXX and they too advised me that there have been many complaints about Rent Debt Automated Collection agency for reporting erroneous unsubstantiated claims against many individuals. I have been harassed and talked to in a unprofessional manner as well as, threatened. Since I have no knowledge of the amount owed, and nothing to show I owe, I am asking that, I receive intervention from CFPB to have this remove from the ( 3 ) credit bureaus. More importantly, hold Rent Debt Automated Collections Agency accountable for their harassment and the mental stress they have caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is Reporting on My Credit Report with all 3 Bureaus # 1. False Information. Such as partial Account Number I can not look this Account up to See who it Belongs to with just a Few Numbers. # 2 Balance that they state is Owed to Them. # 3. How did they Get My Person Information I did not authorize this I Do not know who XXXX XXXX  Is. I have never had A Account with this Company XXXX XXXX XXXX. Account Number. - XXXX. - {$650.00} balance -and listing XXXX $ XXXX XXXXXXXX XXXX stating Factoring Company Account. I Contacted XXXX XXXX XXXX  that they have listed on my Credit Report as a Collection and they stated they are not Collecting for them that they do not have the Debt nor any Debt with my Name. 
XXXX XXXX XXXX Has added A Statement stating FCRA Dispute on my account after they stated it was Verified by the Credit Bureau to be Legal and Verified but would not tell me How or whom it was That they Verified with or how they Verified. I asked for all paperwork Containing to this Debt and it wasnt provided by Equifax or XXXX or XXXX. Why would they post a Balance and a High Balance on My Credit Report before Verifying that with me. Then a Few numbers as a Account Number that I cant look up. That is not Right at All. 
# 1 There is No Account Number for me to Investigate for my XXXX. # XXXX. Balance and High Balance listed as {$1000.00}. XXXX XXXX XXXX. Whom states they do not have any information on this Debt. My Credit is Very Important to me and they Have Violated my Rights under FCRA. If I can seek Judgment for Damages I Would like to do So. This has Been Mentally and Physically Exhausting to Research and Again Damaging to my Livelihood and XXXX XXXX
Product: Checking or savings account

Chase is refusing to help or protect me from fraud charges even though 3 out 5 representatives I have spoken to agree that it is fraud. They all tell you different information and can't get their story right as to why they can't help. The 1st 2 I spoke to said I was covered so I don't understand why now they can't.

I pay for fb ads through fb on a legit business page ad service NOT marketplace or etc. I chose the {$1.00} a day {$30.00} a month package because I am a 1 person business and I have used this service before and it went as planned. As soon as I saw the fraudulent charges on my account ( XXXX ), I called right away and I spoke to someone who agreed with me and passed me on to a fraud representative who said I was covered and to call back if I can't dispute it with XXXX  because it would be faster. In the meantime I made my instructions clear to block any future payments as I did not authorize any of this and I had ended the ad. In the end, chase failed to do so and the charges continued. The representative I spoke to in person said that some were pending when I made the 1st phone call so I don't understand why they did nothing to cancel or stop them.

I called XXXX  and they are not taking calls at this time and hang up on you. I messaged every fb " customer service " thing I could and no response.

Called Chase again and this time was greeted by 2 very very rude women who refused to even pass me on to the fraud team which I spoke to previously with no problem. She didn't try to understand the problem or was under the influence of something because she truly was not comprehending anything I was saying. It was like having a conversation with a stubborn toddler. At XXXX point she even insisted it wasn't fraud because they advertised me as if I should be okay paying {$1500.00} when I agreed to {$30.00} a month. It got so bad I just ended up hanging up on her because she was so awful at taking in information. 

Saw that they marked it as fraud anyways but then got a letter saying I have to pay it all. 

Went to the chase bank in person and showed her what I had and she said she believes me it's all fraud but since I put my card on XXXX  even though it's for a XXXX  service, they can not help ( 1st time hearing this excuse ). I don't understand how everyone can be like yes it's fraud but you're on your own. What is their protection for! Chase should be ashamed and I'm honestly feeling targeted by the women I talked to during my 2nd phone call. Please help! Cropped out my info from pictures because this says no personal information but I can send it if needed. I authorized {$1.00} a day, {$30.00} a month, for one month. NOTHING else
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  Balance : {$900.00}
Product: Credit reporting or other personal consumer reports

I have no liability to XXXX XXXX XXXX for they are a third party debt collector and I have contract no with them. XXXX XXXX XXXX brought the debt from XXXX in which the debt would had to have been charged off. A charge off is considered income and income can not me reported to credit report because it turns into a certificate of indebtedness. I would like XXXX XXXXXXXX XXXX to provide me the direct contract between them and XXXX showing that they are authorized to collect for XXXX and they are not a company that just brought a debt. They have also violated the Privacy Act of 1974 and 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I was never given a notice or a way to opt out of XXXX XXXX XXXX XXXX XXXX and Experian reporting this to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for credit card as well as loans and was advised that only one inquiry would be made to view credit but later found out my credit was ran by multiple companies and left me with multiple hard inquiries that I had no idea about. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I did not not transfer a loan to Ocwen. Ocwen did not give me anything. 
I paid indy Mac to payoff a mortgage at XXXX XXXX XXXX in XXXX. I paid XXXX XXXX XXXX to pay off a mortgage at XXXX XXXX. 
I have so far paid the {$510000.00} that paid off the original 30 year, 6.5 %, {$220000.00} loan. Plus the {$57000.00} down payment I made in XXXX. In XXXX commerce bank gave me a {$36000.00} line of credit to payoff a {$7600.00} credit card balance. XXXX gave me a {$35000.00} line of credit to replace the {$11000.00} I owed commerce bank now I owed {$18000.00} to XXXX. 
With {$16000.00} remaining credit. 
Duplex refinance. 
{$60000.00} loan pays off {$41000.00} and {$18000.00} XXXX balance. 
But XXXX does not have a lien on my duplex. XXXX did not have a lien on my duplex. 
I owe XXXX XXXX {$60000.00}. I owe XXXX {$0.00} I owe XXXX {$0.00} I have a {$35000.00} line of credit and a {$220000.00} first mortgage. 
Indy Mac used the {$35000.00} to pay {$44000.00} - {$7000.00} = {$36000.00}. 
I owe Indymac the {$220000.00} mortgage + {$35000.00} 2nd mortgage + {$60000.00} {$320000.00} With {$260000.00} balance with {$28000.00} credit to pay {$4400.00} escrow = {$23000.00} + {$60000.00} or {$82000.00} with {$23000.00} credit remaining to pay 4.5 years of taxes and insurance {$230000.00} paid to Indymac. 
{$62000.00} paid to XXXX XXXX {$290000.00} paid. 
{$97000.00} interest due ( {$130000.00} reported. ) {$38000.00} escrow disbursed ( in the loan ) - {$4800.00} paid to midland. 
{$33000.00}. 
- {$1000.00} surplus {$32000.00} total escrow. 

{$97000.00} {$120000.00} total costs from {$290000.00} {$160000.00} paid to principal. 
{$260000.00} balance XXXX {$99000.00} total balance due with {$53000.00} due to XXXX XXXX {$45000.00} due to Indymac {$100000.00} + {$10000.00} escrow surplus {$120000.00} paid ( + duplex foreclosure ) interest taxes insurance {$60000.00}. 
{$60000.00} overpayment + duplex value {$140000.00} paid - {$53000.00} = {$91000.00}. ( Buyers mortgage ) XXXX They owe me {$150000.00} PLUS duplex XXXX My balance is {$0.00} Bankruptcy {$630000.00} debt discharged ( for {$140000.00} balances of which {$80000.00} was extinguished {$270000.00} remaining balance is credit. Of which {$220000.00} is prepaid XXXX = {$150000.00} remaining PREPAID credit PLUS the {$150000.00} they owe me is. {$310000.00}. 
I OWE {$0.00}. they owe me $ XXXX.PRINCIPAL balance plus a duplex! 




The total of credit lines was {$250000.00}.
Product: Credit card or prepaid card

My card was used and wells fargo sent me a message saying a incorrect pin was tried. Then the correct pin was used and i was charged over 300 . Wells fargo sent me a letter saying since my pin was used they wont refund me
Product: Money transfer, virtual currency, or money service

Subject : Complaint of XXXX Practices and Mismanagement of Funds I am writing to formally raise a complaint regarding an issue that has arisen from the handling of a certified check issued by Wachovia Bank, before its acquisition by Wells Fargo. This complaint concerns the disappearance of funds and the subsequent lack of proper documentation or evidence regarding the escheatment of these funds to the XXXX XXXX XXXX XXXX Unclaimed Property Department. 

Incident Description : Date of Original Transaction : XX/XX/2008 Amount : {$7100.00} Actions Taken by Me : After noticing that the certified check had not been honored, I initiated contact with Wells Fargo to inquire about the status of the funds associated with this check. I was informed that the branch in question was unable to negotiate the check and that an investigation would be launched to determine the whereabouts of the funds. 
Actions Taken by the Company : The Executive Office ( EO ) of Wells Fargo conducted research and subsequently informed me that due to the age of the item, the funds were allegedly escheated to the unclaimed property department of the state/territory of purchase. I was advised to contact XXXX XXXX XXXX at ( XXXX ) XXXX, XXXX XXXX XXXX at ( XXXX ) XXXX, or the unclaimed property department of the state where the cashier 's check was supposedly escheated to recover the funds. 

Concerns and Allegations : Despite following the instructions provided by the Executive Office, there is no record or evidence of the funds being escheated to the XXXX XXXX XXXX XXXX Unclaimed Property Department. This lack of documentation and the inability to trace the funds through the state 's unclaimed property records suggest that the funds XXXX have been improperly co-mingled with the bank 's assets, rather than being appropriately segregated and escheated as claimed. 

The absence of a verifiable record of escheatment to the XXXX XXXX XXXX raises serious concerns about the integrity of the bank 's processes for handling unclaimed funds and customer assets. It suggests a potential cover-up for the commingling of customer funds with those of the bank, constituting XXXX  practices and a breach of fiduciary duty. 

XXXX XXXX : I am seeking a thorough investigation into the whereabouts of the funds associated with the certified check issued by Wachovia Bank, and if it is determined that the funds were not properly escheated, I demand that the funds be returned to me, along with any accrued interest, as compensation for the financial loss and inconvenience caused by these actions. 

I trust that this matter will be taken seriously and addressed promptly to rectify the situation and uphold the integrity of banking practices. 
I have documents that contain personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fax my information to XXXX, the fax number listed on web site. Not a fax number, number has been disconnected!!! I tried to enter my information online XXXX XXXX XXXX the Link does not work? 

Is this some kind of XXXX  scam?
Product: Credit card or prepaid card

On XX/XX/2022 i received a box of XXXX  delivered from XXXX.Did'nt order them, so i callen XXXX to ask why i received them? I was told it was part of an order placed online and the rest of the order would be comming from the seller.It... they said was an adjustable camping cot with mattress and the total charge placed on my Barclays cc was XXXX XXXX I told XXXX i never ordered anything from them and stopped the order. I also called Barclay 's and filed a disputed fraudulent charge with them. Two months later on XX/XX/2022 i received a reversal from Barclay 's putting the charge on my credit card.The e-mail addy usedXXXX is not and never was an e-mail that i ever used.I nor my wife ever placed an order for this at XXXX Other than the XXXX we never received anything else from XXXX I brought this fraud to XXXX and Barclay 's XXXX. and stopped the transaction before it was finalized.I have tried so many times to resolve this with them that they ( WalmartXXXX XXXX XXXX will no longer take my calls! Post office says tracking # was a 1st class 16 oz or less pkg delivered which i never received.
Product: Checking or savings account

Online fraud report Account # XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX On XX/XX/XXXX around XXXX, I got an email from Wells fargo saying that a wiring of {$24000.00} from my account # XXXX has been confirmed. As soon as I got it from my cell phone I called wells Fargo to let them know that my account seems to have a bridge and tell them that it was not from me and they need to stop any transactions from it that day. Later I saw that {$24000.00} was wired to a XXXX  FED # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Trn # XXXX Rfb # XXXX. After talking to the wells fargo rep, She checked my phone #, address, pin # and text me a code to verify my identifty. She told me that they can't do anything right now and I need to go to a wells fargo branch and tell them to call them back directly to verify my identity with picture ID. I went to XXXX branches in all of them they told me that they are busy and can't help. I have to go a branch in XXXX to get help where they told me that this was done online and they stated that I did send money to my brother to buy a car. I don't even have a brother at all, without my knowledge or approval. I told them they need to cancel all my transactions that day to prevent any payment. At the branch, they took my ATM and destroy it in front of me and close my account. What I can see that Wells fargo bank didn't try to do anything that day because if it did, that person should alert XXXX bank to do not disburse money at all. After 20 days of investigations, I got a letter from Wells fargo saying that wiring was done by me or somebody I have giving authorization. I think they are wrong on that because I have never wired nobody money online since I opened my account in XXXX. Please help in investigating with local police where this happened. Usually even when I want to buy in local store if I try to spend more than {$500.00} I will get a message saying that I need to call Wells Fargo to confirm it's me. I was curious why they allowed to wire that much amount without verifying with me first.
Product: Checking or savings account

On XX/XX/XXXX I applied for a checking account with Key Bank that required an on-line application. I was unable to complete the application on-line. I called their tech support XXXX. They could not provide a solution that would work but said I could NOT get the {$200.00} sign up bonus if I went into their branch office which was a XXXX drive away. 
I waited XXXX days and tried with XXXX different browsers just in case they had fixed their problem to no avail. I do qualify for the {$200.00} sign-up bonus based on their written offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on 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  I do not agree with your findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular account in question.
Product: Credit reporting, credit repair services, or other personal consumer reports

the debt of {$65.00} to XXXX XXXX was paid on XXXX XXXX, 2021. I contacted them and they said they are not sure why the collection company, American Collections Enterprise | ACEI is still reporting the debt. It should have been deleted.