23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

hi XXXX XXXX/ Sears/cbna ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Money transfers

On XXXX XXXX, 2015 I set up an on-line wire transfer payment to a Jewelry business in XXXX through my Chase.com on-line banking account. After I set up the payment, my on-line account access was blocked and I was told to call a Chase customer number. I called them thinking I had to " approve '' of the high value of the wire transfer ( {$11000.00} ). But the person on the phone said I had to go into a branch and talk to someone. 

I went into the branch and explained that I wanted to make a wire transfer and that my initial attempt had been cancelled. They never asked me why or they never called into the customer wire service center. It was approved by the manager at Chase and the wire went through. 

On XXXX XXXX, 2015 I had to go back to Chase because I still did not have access to my on-line banking account. Again, I called in and they said I had to go to the branch in person. I was helped by the manager and he called in to verify my account. The customer service person was asking him a variety of questions about the wire transfer and that they had picked up red flags and possible fraudulent activity. However, the wire transfer had already taken place 2 business days ago! So even if I said I wanted the wire transfer to be stopped, it would n't have been possible. The manager asked me if anyone who was helping me on XXXX XXXX, 2015 had called in like he did, I said no. 

Had I known this fraud warning, I would have NOT done the wire transfer. Period. Had a Chase representative call in to find out why the first wire transfer did not go through the issue would have been resolved. But for some reason, the employee 's at Chase did not look further into this matter. 

It turns out that the wire transfer to this business was fraud. And I have not received my product in return for my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello This Report is Inform these Companies that I did not Authorize any of these Accounts this is all fraud accounts I never had any Business with these Companies someone used my identity with out my Knowledge
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed.
Product: Money transfer, virtual currency, or money service

I used XXXX to get a number for XXXX customers support. When I called the number the representative identified him self as an XXXX customer service agent. He said there were some fraudulent activity on my account and we would need to reverse the payments. In order to get started with the process he asked that I download an app ( XXXX XXXX ) that would allow him to share my screen. From there he asked to initiate a test transfer by sending a certain amount to someone I trust and then have them send it back to my via XXXX XXXX. Afterwards he deleted all of my accounts from XXXX XXXX and added his card on stipulating that it was to cover the {$75.00} charge for the money going back into my bank accounts. The money was not returned to my account and he is asking that I call my bank to raise t my transaction limit. I immediately disconnected the call and called my bank. No one is able to track this transaction because he deleted his card from the XXXX XXXX account once the funds were transfered
Product: Credit reporting, credit repair services, or other personal consumer reports

The information requested to be removed or corrected is still reporting, as late or missed payment ( s )
Product: Credit card

Wells Fargo closed my XXXX credit card account ending in XXXX on XXXX/XXXX/XXXX without providing me any advance notice. The problem with this is that I had earned XXXX points from purchases made with this card that were frozen that day and subsequently removed from my rewards account. These points had a cash value of {$430.00} ( XXXX cent per point ). I had no advance notice allowing me to use these points before they were revoked. In fact, I found out about my account closure by logging into the wellsfargo.com banking system and discovering it myself. A letter dated XXXX/XXXX/XXXX was mailed to me AFTER the account had been closed with the reasons cited as : Over Six Months Account Inactivity XXXX or more credit inquiries in the last 2 years on credit report Insufficient length of time accounts ( s ) on credit report has been established This card was opened on XXXX/XXXX/XXXX and had been used as recently as XX/XX/XXXX, which was just over 6 months prior to the date they decided to unilaterally closed my account without advance notice. The other reasons cited for the closure are far from anything unusual and should not have resulted in any adverse action by the bank. I was also planning on using this card for upcoming travel, where I would be able to take advantage of an annual {$100.00} airline fee reimbursement credit included with this XXXX card 's benefits. 

When I contacted Wells Fargo, they said that they would not reinstate my rewards points nor would they re-open the card without me applying as if I was opening a new card ( recquiring a credit inquiry ), but I pointed out since they just closed my account due to vague credit activity, it was unlikely they would approve me for a new account. 

I believe that the state of California prevents a bank from closing a credit card that results in the loss of rewards earned without providing advance notice to allow the account holder to use those rewards. Please at least help me get my XXXX rewards points or a check for {$430.00} from Well Fargo. I would also prefer to have the account re-opened w/o incurring any credit inquiry activity, as I have also lost the annual {$100.00} airline charge benefit without being able to use it. Failing that, I also want a {$100.00} airline fee reimbursement credit to be provided to me by Wells Fargo. Thank you!
Product: Credit reporting or other personal consumer reports

To whom it may concern, As a consumer, I request all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I contacted your company to inform you that I am a victim of data breach/identity theft. I also contacted the Federal Trade Commission and filed an attached FTC Report. I demanded that you please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX - XXXX I believe this collection is reporting inaccurately. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

XXXX XXXX XXXX XXXX XXXXXXXX I believe this collection is reporting inaccurately. - According to letter 15 USC 1692 ( G ) you have proven to violate my rights as a consumer. I demand you remove this account now I've hired my attorney to review these files! 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reported. 

XXXX XXXX - XXXX Please verify that this inquiry is reporting accurately on my report now! - The following inquiry was not authorized and should not be reported.
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make this charge I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
XXXX XXXX XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX Case Number : XXXX Please remove it from my credit repor
Product: Debt collection

Credit Collections Services is a debt collector for XXXX XXXX XXXX. They first contacted me by text at the end of XXXX of XXXX. They never sent validation of the debt within the 5 days of the initial contact as required by law. I contacted XXXX directly and got a copy of my contract and bill history on XX/XX/XXXX. After review, it was evident that the amount owed was incorrect. On XX/XX/XXXX I sent a written request disputed the amount owed with attached documentation of the bill history and contract. Sent by certified mail. They never responded. On XX/XX/XXXX, I called customer service to follow up on my request, I was told they had the request, but nothing was being done. They gave no indication that they were going to pursue my request. or validate the debt. I gave them specific documents and a letter explaining why the amount was not accurate. On XX/XX/XXXX I received the first communication from them in writing with no validation of the debt. 
They do not take me seriously. They say they have called me 13 times. But I have no messages from them. They were successful one time by text, but they have not texted me since then. They are rude and very disrespectful. I have the right to dispute the amount and get a validation of the debt, but they don't care.
Product: Student loan

On XX/XX/XXXX I made a {$12000.00} payment towards my student loans on edfinanical. Since then I have been making a monthly payment of {$520.00} on the XXXX of every month. On XX/XX/XXXX I made the {$520.00} payment and my account looked as it should. On XX/XX/XXXX I logged in to my account and found that {$500.00} dollars had been added to my debt. I had not taken out any additional loans and no interest was applied. With some investigation I found that {$500.00} was missing from the XX/XX/XXXX {$12000.00} payment. It says I paid the full {$12000.00} but only {$11000.00} was applied to principal and none was applied to fees or interest. After my XX/XX/XXXX payment I had a remaining balance of {$1000.00} left to pay back. I had also paid off all of my XXXX XXXX loans and the only remaining group was XXXX XXXX.
Product: Mortgage

I requested that my PMI be removed from my mortgage due to my home being valued at {$300000.00} and I only owe XXXX. They stated I was an eligible because my loan originated after XXXX. Every article that Ive read online states that I should be able to have my PMI removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letters to TransUnion, XXXX  & XXXX  asking for verification ( original wet live signatures ) on ALL ACCOUNTS on credit report. No information was provided on how accounts where verified, did not receive original wet live signature contract copies as requested on dispute. 

On XX/XX/2019 dispute letters where received by all 3 credit bureaus mentioned above. 30 days after receipt I was given no information on how the accounts on my credit report where verified nor was I given a copy of a wet live signature that binds me into contract with any of the accounts reporting on my credit file. I have attached a photo of the certified mail receipts.
Product: Mortgage

Several years ago, when my children were very young, I lost my job a the XXXX because of a RIF, ( Reduction in Force ). We had already moved to a larger house and I was trying to sell the older, smaller home when I was laid off. I fell behind on the payments. The Bank was not happy, but I worked out an agreement to catch up the payments, ( borrowed money from family ) and the Bank sent me a letter. That letter said I had to catch up the past due payments in full by XXXX XXXX, 1992 for {$2700.00}, which I did. I have the letter and the Bank receipt. I soon found a job and I put the house up for rent as started making the regular payments again the very next month. 
Well, what I did not know at the time, was that the Bank, XXXX, had been acquired by XXXX XXXX, later to become Wachovia, and then Wells Fargo. Whoever it was, they refused to acknowledge the written agreement set forth in the letter that they sent, returned my check and started foreclosure. I had a significant amount of equity in this property and for whatever reason, they continued with the sale of the property on the steps of the XXXX County Courthouse. When I got advanced notice by certified letter, that forced me into a Bankruptcy. Well, that did n't stop them. They sold the property on the County Courthouse steps anyway. And too bad for them that Federal law trumps State law, they had to reverse that sale. It was ugly. 
The Bank was not happy. I was now dealing with XXXX XXXX, one of the biggest Banks in the country and they were extremely hostile. When I came out of my Chapter XXXX payment plan 3 years later, they went right back to their old ways and refused to make a proper accounting of my loan balance. They could n't. They had lost control some how. They refused to acknowledge the correct balance. Enter my second Chapter within months of my first Chapter being discharged. That too has been discharged. I pay my debts if given a chance. 
In my view, I had a written agreement with the Bank to bring my payments up to date. I met the terms of that written agreement. I still have those documents. I can not begin to explain the problems this has caused for me and my family. I believe it was a fraud and an attempt to make a quick sale of my property because it had a significant amount of equity. Because I was forced into XXXX Bankruptcies, this has cost not only time and money but also in my ability to gain adequate employment. 
I tried years ago to sue the Bank for this Fraud but there was nobody willing to take on a major Bank, until now.
Product: Debt collection

I have never heard of this company I have tried to contact them they stated the loan was created via online and have no physical signature nor did they request for any verifiable documents proving that it was me.
Product: Credit reporting or other personal consumer reports

These hats inquiries are a burden on my credit report because nothing was received from the running of the credit.they are not connected to an open account. They inquiries are 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 or other personal consumer reports

1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. 
US 15 USC 6802 US 1692 XXXX had a data breach and my information was leaked. 

XXXX XXXX XXXX XXXX XXXXXXXX NEEDS TO BE REMOVED FROM EQUALFAX AND XXXX UPDATED ON XXXX.
Product: Checking or savings account

On XX/XX/XXXX I was presented with a promotion from Merrill Edge claiming that if I opened an account and deposited more than {$20000.00} into it, that I would get two benefits from Bank of America : 1. I would be granted Preferred Rewards status within 30 days.

2. I would be moved up to the tier of Preferred Rewards corresponding to my total asset value regardless of the 3-month rolling average within 30 days after that. 

On XX/XX/XXXX, in accordance with this promise, I deposited {$50000.00} ( which would qualify me for the Platinum Tier ). 

As of XX/XX/XXXX, I was not enrolled in Preferred Rewards. I went to the bank the next week and was told it would happen by the end of the week, which it did ( 7 days after their printed promotion had promised ). 

Today is XX/XX/XXXX. As of today, I STILL have not been moved up to the Platinum Tier. This is 19 days after it should have occurred. Every time I use my credit card, I am missing out on rewards dollars because of Bank of America 's rewards booster for Preferred Rewards clients ( which increases based on tier ).

I have gone into the branch and called, and no one will fix the problem. The Merrill people say the bank has to do it, and the bank people says that Merrill has to do it. It is very frustrating.

For me, this is primarily a matter of principle. Investment organizations should NOT be able to lie to their clients in order to get deposits.

I have been informed I am not the first person to be deceived like this.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report. These inquiries appeared on XX/XX/XXXX- XX/XX/XXXX. The amounts in question are 25 Hard Inquiries I did not authorize and I have not had any recent interactions with these companies involved. I have taken steps to dispute these inquiries with the credit bureaus, including contacting the company directly and also contacting the 3 credit bureaus without any luck. Please investigate and remove these unauthorized inquiries from my report.
Product: Debt collection

When I observed the debt was reporting on my credit report ( s ) I contacted all XXXX credit bureaus and disputed the debt. XXXX responded on XX/XX/2016 and XXXX on XX/XX/2016 advising that I contact the creditor as the debt has been verified. I sent a request to XXXX requesting validation of the debt twice I have certified mail confirmation that they received it on XX/XX/2016 and a second request XX/XX/2016. As of date the company has refused to respond to me and continues to report monthly on all of my credit reports. I am demanding that this company removes the debt from all XXXX credit reports as they have failed to respond to my request as ample time and chances have been given. Their failure to comply with FDCPA regulations has harmed my credit drastically.