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

Someone tried opening a fraudulent Bank of America account in my name initially in XX/XX/XXXX with an incorrect address. Thankfully I had just changed my address so the post office was able to send a document to me stating the type of account and the account number. I got through to Bank of America 's fraud department and had the account closed and thought that was it. However, on Saturday, XX/XX/XXXX at XXXX I received an email about an online account opening. I made it very clear with them the first time around that I am not interested in banking with them in the future ever. One email was sent welcoming me to online and mobile banking and shortly afterwards I received another email stating they are unable to open the account. I figured it was probably flagged due to the incident a few months ago but since I do not have an account number nor access to one I can not get ahold of anyone to report the fraud attempt. Therefore I am reporting it here and want it to be known that I NEVER want to bank with them and they need to increase their security and reduce their fraud especially with it happening again so soon.
Product: Debt collection

I have been disputing with Credence Resource Management against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that Credence Resource Management collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
Product: Money transfer, virtual currency, or money service

I recently bought some cryptocurrency on ROBINHOOD ( {$990.00} of XXXX on XX/XX/year> and XXXX of XXXX on XXXX ). I tried for the past several days to withdraw my cryptocurrency onto my cold wallet device and my account is restricted, with no explanation why and there is no contact support to resolve this issue. 

My wife 's ( XXXX XXXX ) account is also having a similar issue, where she has a large sum of money deposited and can not withdraw from her XXXX account. I am suspecting that they do this quite regularly. 

We need the money as this is a large sum of our life-savings and XXXX is XXXX locking up our money without any way to withdraw it.
Product: Credit card

I purchased a {$7100.00} wig from XXXX XXXX in XXXX of 2024 and still do not have the product. It was received with multiple issues. I disputed through Barclay Jet Blue and XXXX XXXX replied with incorrect info on which I reopened. I gave Jet Blue Barclays all the back up and pictures ( lengthy ) in which they clearly did not review. They said I was two days late to reopen the dispute and I informed them their representatives told me it would be reopened. It wasn't and they won't look into it further. They only accept documents via fax or XXXX  mail. I told them I faxed multiple times but their fax wasn't picking up. So my only choice was to mail. {$7100.00} later still no wig and almost a year into this. XXXX XXXX should be shut down.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report # XXXX for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.. 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

Days theyve contacted us :XX/XX/XXXX ( twice ),XX/XX/XXXX ( three times ),XX/XX/XXXX ( three times ) Asked me for an email to send me a letter containing the information. They had a random email ( computer generated ) one on file  and the letter just stated an amount and said they would sue if not settled. 

I contacted XXXX directly to see if we had a debt and they said theyd sent it over to an agency in XXXX and then when I contacted the agency they said they dont have anything linked to our name or social. 

The person calling came up as scam likely so and I blocked the number and then hes been calling through an unknown number and texting me. 

He first called us through our house phone number which is not linked to any accounts nor was it our number when we lived in another state at the time the account was made. He knows our cell phone numbers which we had changed since moving to another state.
Product: Debt collection

I am a victim of identity theft. An account with XXXX Bank for a store called XXXX XXXX XXXX was opened in my name several years ago. I notified XXXX Bank that this debt was not mine and was due to identity theft. After an investigation the account was deemed fraudulent and removed from my credit report. A debt collector named CREDIT CORP SOLUTIONS INC has attempted to collect this debt that was not mine even after the original creditor acknowledged that the account was not opened by me.
Product: Mortgage

XXXX months ago when i made my last complaint i hoped this issue would be resolved finally but it hasn't. My family and i have been going through this nightmare for about 3 years with this company and it is clear that they are only interested in a outcome that benefits them and only them. There is no way the practices can be legal and something must be done about it. They seem only interested in stealing our money and coming up with excuses why they are not going to honor these agreement. First they demanded the same documents repeatedly for almost a year to even start the re-modification process. Then once they were forced they put an agreement on the table and refused to honor it by delaying for months then saying we hadn't made the requisite payment. Then it happened a second time now its happening again. They have collected XXXX  with the false promise that it would be resolved after but they absolutely refuse to do what is right. When will this borderline criminal behavior be reigned in. XXXXXXXX XXXX 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  so i deeded my house to my son to help my son and my family avoid a long costly probate fight. My son agreed to help XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX Now they expect me go back to my son and reverse this with absolutely no guarantee this nightmare will end. My son has seen them make agreement after agreement that they did not honor, how is he supposed to believe this company now? WSFS is tied to XXXX and need to force them to honor this agreement.
Product: Checking or savings account

I lost my wallet and phone on XX/XX/2024 and inside that wallet, I had my Wells Fargo debit card and other credit cards, someone used my Wells Fargo debit card to make two purchases at XXXX for the amount of {$2500.00} and {$1400.00}. I reported the unauthorized transactions to the bank immediately, they provisionally credited my account but now Wells Fargo is refusing to recover my funds from the authorized charges, they are holding me responsible for the two unauthorized transactions for the total amount of {$3900.00}. I need my funds back to my account as soon as possible, they must recover my funds from the unauthorized charges. thank you.
Product: Credit reporting or other personal consumer reports

I was extremely shocked and disappointed to find out that my credit report has been accessed without my authorization. Applications were submitted in my name, and companies pulled my credit report without my consent or knowledge. I do not recognize these inquiries, nor did I authorize or apply for anything related to them. This has left me feeling frustrated, disrespected, and deeply concerned about the violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and this statement is being composed by me. These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B- permissible purposes of Consumer Reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I never gave any consumer reporting agency my WRITTEN CONSENT & INSTRUCTIONS to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of these accounts listed IMMEDIATELY. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I demand the deletion of the incorrect information listed IMMEDIATELY : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I am demanding the deletion of these inquiries listed IMMEDIATELY : 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: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress XXXX  for these violations.
Product: Checking or savings account

In short someone was able to get into my online banking. They set up a bill pay and sent 5 payment over 3 days to a total of {$43000.00}. No one Not even my wife has my bank info. 

I have attached a .doc that is a time line and explains it best as of the weekend.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists credit cards from 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 XXXXXX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last XXXX plus years both Transunion and XXXX have been reporting incorrect accounts ( many that are inaccurately reported wrong under FCRA guidelines XXXX, XXXX addresses, several wrong names, Charge offs and many other things that are both incorrect and/ Or do not belong to me at all. I Have contacted them countless times, including the XXXX methods of identification as needed and they have completely ignored my request stating that things were verified without doing any due diligence to verify anything. As part of y request I have asked how these things were verified and instead of responding they ALWAYS send me a generic letter saying that I need to verify my ID with XXXX forms, although I already sent everything they need to verify. They always do this and have never fixed any of the problems. The only Company that has done due diligence and fixed the problems has been XXXX  and they are the only company that is reporting my report accurately. At this point they are causing me alot of damage as I have been turned down for a job and denied prequalification for a home because of these false reports that they are furnishing. If this matter can not be settled soon I have full intentions of legally pursuing these matters in court. I would really appreciate your help as a final step before suing. attached are my XXXX most recent letters that were either ignored or forwarded back requesting Identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, delete the noteworthy of any information in my credit record that came about due to an alleged fraud : XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$510.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$510.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/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

I have sent in several disputes to credit agency for them to remove the charge off on my credit report with XXXX XXXX My account was won in a lawsuit showing XXXX XXXX fraud and false statement in procuring the contract therefore in a legal case the company said the contract was null and void yet they proceeded to put on my account as a charge off instead of removing it freely. I asked experian to investigate and remove and they just sent it back that it was accurate. yet a little work looking at county court house records would show the case. So I wish to file this complaint and have this remove off my credit asap. please and thank you. this all started in XXXX of XXXX and is continue on this day XXXX XXXX.
Product: Credit card

I ordered an item that was never delivered by XXXX  to my home. Instead it was delivered to another home, which is evidenced by the signature provided on the proof of delivery. I have explained this over and over to Macys and to no avail, Im still being charged {$250.00} for XXXX XXXX that I have never received. Myself and my husband both work at XXXX XXXX and were not home at the time of the supposed deliver, we also have a XXXX camera, which shows no one delivered anything to our home. I also reached out to the vendor that delivered the package several times through the Macys app and through email. Still no response. Highly disappointed in Macys and how they treat their customers. Its highway robbery to hardworking people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I've filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my two kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX is ignoring me and Experian its been 5 months nothing done still
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, GA XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, NC XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX  is reporting to Experian that the account is in a Petition for Chapter XXXX. This is not correct. My Chapter XXXX Bankruptcy was Discharged on XX/XX/2016.

2. XX/XX/XXXX is reporting to both Experian and XX/XX/XXXX that the account Condition as Derogatory. This is not correct. XX/XX/XXXX was paid-in-full {$28000.00} and the account condition is PAID.

3. XX/XX/XXXXis reporting to both Experian and XX/XX/XXXX the account Status as in a Payment Plan. This is not correct. This account is closed so how can the account be in a Payment Plan?

4. This account is not in Chapter XX/XX/XXXX Bankruptcy. XXXX must only report the current condition of the account.