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

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

OK Im unaware of this debt I didnt have the opportunity to dispute this information. Do you think that you believe you gave me proper notification then please send me the correct, certified mail receipt with my name on it, stating that I received it.
Product: Debt collection

RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX UT XXXX ; XXXX XXXX XXXX Balance : {$8100.00}.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Checking or savings account

1. On XX/XX/XXXX called and held on for at least 25 =minutes. Then tried their on line system then showed 2 wrong telephone numbers., therefore, could not access account information.
2. on XX/XX/XXXX I called and held on for 25 minutes then gave up.
They changed there on line system with the correct last 4 digits of my phone number.
Answered yes and received a 5 digit code. The code did not work.
3. I am concerned that XXXX breach might have allowed someone to steal my large CD.
Product: Debt collection

I do not want to contact this company showing on my credit as I do not want to share my personal information with them. I have stated multiple times that this account is not mine and may be fraudulent. I have disputed it multiple times and it still keeps posting to my credit. My name is on the bill, but I have never opened a XXXX account nor a XXXXXXXX XXXX XXXX account not do I live at the address the bill is made to. They have my mailing address, but the service address is unknown to me... THIS ACCOUNT IS NOT MINE AND SHOULD BE REMVOED FROM MY CREDIT!!!!
Product: Mortgage

XXXX XXXX XXXX is the worst company I have ever seen. Their employees are constantly either lying or making things up and nothing ever gets done. They have negatively affected my account and my credit. Their incompetence and negligence continues to affect me. 

My loan was placed in forbearance while I was unemployed. I called in XXXX to end the forbearance and was told I had to call back in early XXXX when the forbearance ended. I called multiple times a week to end the forbearance. Each time I called I was told the forbearance would be removed. After every call I was assured it would be removed from my account and the note would be removed from my credit. In each case there was no follow through. The Forbearance was not removed from my account and the note was not removed from my credit. I was told in mid XXXX that i had to pay the amount due from when my account was in forbearance in order to end the forbearance. I did not want to since it was all the money I had, but i was forced to and did just that. However, the forbearance was still not removed. I Finally called in XXXX and they had the nerve to tell me I had not called and that I was re-enrolled in another forbearance. I have been calling for almost two months and yet the note is still on my credit. After calling multiple people at XXXX I finally got to the escalation department who did to try to get my account updated. This is outrageous and unacceptable. I want my records updated and yet can not seem to get it done.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> i had a debit card charged in another state, then I had XXXX wire transfers from my checking to my unknown persons. First they made multiple calls and transfered from my savings to my checking then it appears they changed my personal information ( phone number ect ) and then via online wire transfered. It was XXXX seperate wire transfers XXXX and XXXX. I've asked for transcripts or if they pulled the transcripts but said no they don't do that. I was provided with multiple faxes to send my police report and proof that my ip address was leaked which I have but they report they haven't gotten them even though I've repeatedly have sent it to them. They report verbally that it's because I used an ip address prior so that's why I need that proof but have gotten the run a round with getting them proof. A another branch also sent it in but conveniently they didn't receive it. Also, when I'm on the phone with claims somehow I always get transfer ( or call is ended ) to someone that don't understand what is happening because the claim is closed and they give me another number for claims to call. I've also asked for information on when my personal information was changed but they reported that is not an option. This is terrible. I also learned i was a victim in the recent release of information attack so it's possible that's where all my personal information was leaked and used in this very sophisticated scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Mortgage

After receiving a Reduced Rate Sales call from our existing Mortgage Provider, my husband agreed to submit an application for a VA Mortgage Refinance. Roughly 30 days later the deal closed ( XX/XX/16 ) with 1st payment due in XX/XX/XXXX. In XX/XX/XXXX we received a Letter of Demand for Outstanding 2016 Property Taxes ( delinquent XX/XX/XXXX ). It was a Final Notice before publishing our names in the local newspaper with a threat to garnish wages, bank accounts etc. After numerous calls to the bank, we were told that the taxes were paid 'on time ' from the now refinanced Escrow Account, but that was INCORRECT. After realizing the mistake, Wells Fargo proceeded to pay the delinquent taxes from the new loan escrow account while conducting a formal investigation into the matter. This has been an Official Complaint since XX/XX/XXXX & with every passing deadline for answers, they are still yet to provide any. The issues are as follows ; - Questionable Sales Practice, negligible benefit/ savings to customer. Nominal ( 0.5 % ) rate reduction, extended loan term, origination/ closing fees added to principle. - Although projected, Taxes Not Paid from 1st Escrow Acc't resulting in 6 month delinquency, why? - {$2400.00} - MISSING from 1st Escrow, still unaccounted for. - Bank Explanation ; Insufficient funds to close 1st loan, Incorrect payout figure, balance taken from escrow..??? - Incorrect Payout figure on banks own refinance, how is that possible? - What was the 1st loan Payout Figure? As asked in XX/XX/XXXX, still no answer. - Although joint title holder, Did the bank conduct Credit Check on non-borrowing spouse, without permission? - Closed VA Loan with property taxes in arrears. How? - Escalated to official complaint in XX/XX/XXXX, was contacted by bank rep/ customer liaisons officer handling the investigation who promised to make contact within 6 days ( as required by law ) to give update ( not outcome ) This did n't happen. XX/XX/XXXX thru XX/XX/XXXX zero contact. - XX/XX/XXXX. Contacted by different rep stating investigation still ongoing, XX/XX/XXXX projected date for outcome ... .. XX/XX/XXXX, no answers new projected outcome. XX/XX/XXXX. - Against our wishes, as stated in original complaint due to ongoing investigation. Bank is now debiting funds over & above mortgage payment, to make up difference in new escrow account. - Was the missing ( {$2400.00} ) from 1st escrow acc't used to offset new loan origination costs & closing fees? - Is Wells Fargo attempting to sell the servicing of loan to another provider while investigation still ongoing? The serious nature of our complaint is obvious and without answers, egregious. We have completely lost faith in the ability of Wells Fargo to manage this loan. Without recourse they can do what they wish, take what they want, leaving little room for the consumer to hold them accountable to the rules & regulations that are meant to protect us..
Product: Money transfer, virtual currency, or money service

I transferred funds to my friend XXXX at the end of XX/XX/XXXX through XXXX via my Chase app. The funds went thru ok. I attempted to send money to her again on XX/XX/XXXX. XXXX called me to confirm that she had not received the funds. I called Chase and they said that because the transfer was done before the weekend, that I should wait until Tuesday to check for the payment. When I followed up with XXXX on Tuesday, the funds had still not been deposited in her account. I contacted Chase and they advised that the email associated with XXXX was linked to another debit card, issued by a credit union. I called XXXX and she confirmed that she only had XXXX and had never had a credit union. XXXX informed XXXX that she should delete her XXXX app and set up a XXXX account with XXXX and the money would be deposited into her account - it was not. I contacted Chase yet again and they advised that I need to open a claim - this was on XX/XX/XXXX. I waited the 5 days before contacting Chase again and contacted them today, XX/XX/XXXX. Chase told me they closed the claim because XXXX had not responded to their request for additional information so that Chase could complete the investigation. I called XXXX with myself, XXXX and Chase all on the call. The outcome was that Chase had closed the investigation because XXXX did not respond and that I would not receive my {$160.00} back. 

When I contacted Chase initially, I told them that the transaction showed delivered and I wanted a resolve before the transaction was completed - that did not happen. I checked my account today and the money was delivered to the fraudulent debit card associated with XXXX  email address. 

Neither Chase or XXXX has returned my money, nor does it appear that they will do so. 

I just want my money back as it seems that the additional debt card was added to XXXX XXXX account without her knowledge.
Product: Checking or savings account

I contacted BofA call center on XX/XX/XXXX at XXXX XXXX MST. I spoke with XXXX first, XXXX second, and XXXX third. I explained I did not understand why a $ XXXX monthly maintenance fee was incurred from XX/XX/XXXX through XX/XX/XXXX because I have my employer directly deposit {$150.00} semi-monthly ( totaling {$300.00} per month ) which should satisfy the requirement of having at least one qualified direct deposit of {$250.00} ; I have two direct deposits that total more than $ XXXX monthly. XXXX stated the qualifying direct deposit means one direct deposit into the account has to be {$250.00} versus my understanding of the total direct deposit received during statement cycle and per company initiating the deposit has to be {$250.00}. I stated I wanted to keep my account and could update my direct deposit to have {$250.00} per check versus {$300.00} per month but would like my fees back because there was no fine print or indication online stating a qualifying direct deposit is per direct deposit ; otherwise I would not have reduced my direct deposit amount in XX/XX/XXXX from {$650.00} per check to {$150.00} per check. She refunded the XX/XX/XXXX fee. Upon asking why more could not be done considering my 18 year relationship, my willingness to update my direct deposit amounts immediately, and the wording of " one qualifying direct deposit of at least {$250.00} '' being misleading and deceptive, they stated only the one fee is refunded because the account did not met the requirement and the same resolution would be the same regardless of who I spoke with. The employees of BofA did not understand BofA was indeed receiving {$250.00} in direct deposits into my account by way of semi-monthly credits. Minus me not understanding what was meant by " at least one qualifying direct deposit of {$250.00} '' and no fine print or explanation to understand BofA intended meaning, I was directly depositing {$300.00} per month from the same source.
Product: Debt collection

The debt collector, TSI, has not accurately reported my payments to the Lender, XXXX XXXX XXXX, for 36 weeks. My loan was fully repaid on XX/XX/XXXX, but XXXX XXXX XXXX continues to garnish my wages due to TSI 's failure to accurately report my payments. I have asked both XXXX XXXX and TSI to accurately report my payments no fewer than 5 times, with no progress. 

Payments : XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XX/XX/XXXX Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00} XXXX  Check XXXX Check - {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT COLLECTION ACCOUNT ON MY CREDIT REPORT I HAVE CONTACTED XXXX  AND XXXX AND EXPERIAN XXXX XXXXXXXX XXXX  Balance updated XX/XX/2021 Account number XXXX I DO NOT OWE ANY MONEY TO XXXX XXXX OR TO XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with BB & T Bank in the amount of {$11000.00}. I have since resolved this issue with XXXX  ( XXXX XXXX XXXX XXXX ) who is the debt collector and I am now working with Truist Bank ( BB & T ) to make sure my case has been discharged as fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Transunion have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX and Transunion. Transunion and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Transunion and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Transunion of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX  nor Transunion have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX. Second certified mail tracking number sent to Transunion on XX/XX/XXXX : XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I placed an order via an online store, through XXXX. I messaged the individual who claimed to be the owner of the online store. She claimed to have had her business for several years and was successful. I placed an order for 1 designer purse and wallet, 2 designer belts, and 1 designer hoodie. Before I secured the order I inquired about the payment method and delivery service. Again, I was assured the business was legit and would get a tracking # for my purchase and I would be getting the items with in 3 to 5 business days. The individual stated she uses Cash App to receive payments. I went ahead and paid {$600.00} for my items. However, I never received my items, tracking #, or a REFUND. On XXXX, I attempted to retrieve my refund from Cash App which denied reversing the transaction even though I informed them I never got the items I had ordered. My second resort was to contact XXXX  XXXX XXXX. On XXXX, I opened up a claim. The bank researched the claim and then denied overturning the transaction even though I never received the items/services. XXXX basically took the same steps I did, which was contact Cash App and did not resolve anything. I believed that because they are a reputable established FDIC bank, I would have had better results. Instead, XXXX was of not helpful at all. After banking with them for approximately 25 years, XXXX did not offer any support or do anything. It should be noted, during the two claims which were submitted, I continued to have contact with the individual requesting an order status, a tracking #, a delivery date, until I finally asked for a refund. She would avoid my messages even though I was notified she was online. Therefore, at this time I would like to know what I can do to get my money back and report her so called business so she will not continue to scam people out of their hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified. This ADDRESS is fraudulently on my credit report, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please send me verification I authorized these : This is ground for removal they violated my rights. 15 U.S.C.1681 section 604 A. Section 2 States a consumer reporting agency can not furnish an account without my written instructions. Also the Credit Bureaus took more 30 days to complete my investigations.