23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XX/XX/2018 i noticed a garneshment in my pay in the amount of {$120.00}. 
I called hr and was given the phone number to a law office of XXXX, XXXX, XXXX, XXXX XXXX   XXXX i was told this was a collection of debt for a credit card from XXXX. 
when i told the associate that that debt had been closed more than 15 tears ago, i was told that it had already been before a judge and that there was nothing i could do other than pay the full amount owed. when i inquired what that amount was i was told {$1300.00} plus {$2700.00} in interest and {$120.00} in filing fees for the total of {$4400.00}. i asked how this had already been before a judge when i was never notified of any actions and the fact that this debt was settled over 15 years ago, and that XXXX is no longer in business. she just repeated its already been before a judge there is nothing you can do .since that time the amount taken from my pay has increased and at times been as much as almost {$400.00}. I recently purchased a home and this is causing my a great deal of financial strain. not to mention it has shown on my credit. i pay all my bills on time I have never even gad a late payment on any on my creditors what ever happened to due process? I drove to the court house and asked for copies of all documentation and that is attached. you are welcome to look into XXXX XXXX as I did and well you will see that they are doing this to thousands of people.please help. 
XXXX XXXX.
Product: Checking or savings account

On XX/XX/2021, I purchased living room furniture from XXXX XXXX XXXX, I received two emails one dated XX/XX/2021 one stating thank you for your purchase the second email dated XX/XX/2021 stating we have processed your order, I was never contacted with a tracking number or estimated delivery date as website stated, by XX/XX/2021 after several emails, and phone calls, finally someone answered a resident whom claimed that the number I called belong to her residence she don't know why or how this company got her phone number, people keep calling her number, that's when I realized this was fraud, so I contacted Bank of America , on XX/XX/2021, spoke with XXXX who file initial claim over phone, ( claim number given XXXX ), Bank of America has fraud protection on my account so when my money wasn't credited back I call Bank of America again on XXXX XXXX, 2021 spoke with XXXX was told they contacted merchant and money will be credited back on XX/XX/2021 at XXXX. on XX/XX/2021 money was not credited back to my account called Bank of America again spoke with XXXX who said the same thing still nothing called back again and got XXXX, who tells me oh its going to take 45 days we are waiting to get the money back from the Merchant than we will issue you your money back, I begin to ask how is that if I am telling you the company does not exist, So I make appointment at the branch I opened my account at hoping to get somewhere, Mrs./Ms. XXXX XXXX assisted me on XX/XX/2021 called the fraud department spoke with XXXX from Arkansas, who assured me my money would be credited back to my account XX/XX/XXXX, or XXXX they had file the wrong claim thus the reason for the two different claim numbers : XXXX, Mrs./Ms. XXXX assured me that this will handled due to she was putting it in as escalated, Well I sit here today still without my {$1800.00}, and was told today by XXXX from XXXX she saw they expedited it but they have to get the money back from the Merchant 's bank and it shouldn't take 45 days, but if it did it will be issued by XX/XX/2021 this is well over 45 days, my initial file date was XX/XX/2021 therefore 45 days would be XX/XX/2021 and I am only counting business days. this is not fair any other time there's fraud or I purchase something and never received the merchandise I always receive a temporary credit until the claim is resolved. Bank of America advertise that your not responsible for fraud to your account they will cover it, well why is it not applying to my account.
Product: Mortgage

I enrolled in the Wells Fargo Forbearance plan last XXXX. Before I enrolled in the forbearance plan, my loan balance was {$160000.00} XXXX or {$150000.00} from Wells Fargo representative ). After 5 months, when I am ready to resume monthly payment to the loan, I found out that my loan balance is increased to {$160000.00}. I didnt make any modifications to the loan. I called the Wells Fargo loan department. The representative told me that the increased amount of {$4900.00} XXXX $ XXXX {$150000.00} XXXX is the total deferred monthly payment, and is added back to the loan balance at end of the forbearance plan. However, the deferred amount did not deduct from the loan balance at the beginning of the forbearance plan. So, I need to pay XXXX the deferred monthly payment. The loan balance should not change at end of the forbearance plan since the loan was not modified. I called Wells Fargo several times and spent more than 10+ hours on this case, and they refuse to fix the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are a list of fraudulent accounts and inquires per bureau XXXX XXXX XXXX   enforcement {$350.00} XX/XX/XXXX XXXX XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX  Inquiry XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX  XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$940.00} XX/XX/XXXX XXXX  XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX ( XXXX ) XXXX/XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$940.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX   {$1300.00} XX/XX/XXXX XXXX XXXX  {$550.00} XX/XX/XXXX XXXX  XXXX   {$0.00} XX/XX/XXXX XXXX I am currently in the process of filing a lawsuit with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ) against the credit bureaus. Equifax, XXXX and XXXX for non compliance with the FCRA. I have mailed in numerous certified letters ( in which I have all receipts as well as a full comprehensive copy of my credit report along with my police report ) I mailed this to the bureaus XX/XX/XXXX. I have called at least 6-8 times and was given the run around every time in my lawsuit I will be naming the following indiviauls - ( XXXX ) XXXX XXXX XXXX Operations Supervisor XXXX XXXX CEO XXXX North Americas XXXX XXXX Vice President and Associate general counsel - ( EQUIFAX ) XXXX XXXX Senior Vice President -XXXX Fraud ID Theft XXXX XXXX Vice president and Group counsel XXXX XXXX XXXX XXXX Corporate Vice President Chief legal officer - ( XXXX  ) XXXX XXXX Executive Vice President XXXX XXXX XXXX XXXX Director fraud and identity management XXXX XXXX Senior Attorney XXXX XXXX XXXX exec VP/gen counsel XXXX XXXX   vice president and division gen counsel
Product: Credit reporting or other personal consumer reports

DISCOVER BANK Fraud Operations XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXXXXXX, DE XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information. 

I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent. 

DISCOVER BANK is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, report, Your willful violation and willful negligence has cost me actual damages of over {$500000.00}. I will be taking legal actions for my financial and emotional distress as well as for actual damages caused by DISCOVER BANK. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ). 

DISCOVER BANK date opened ( XX/XX/XXXX ) XXXX # XXXX balance {$8800.00} I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 



Thank you.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX Experian credit reporting agency XXXX and XXXX credit reporting agency to block information appearing on my consumer credit report that is tho result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a porsonal credit card accounts opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Trado Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

( 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 and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding XXXX mishandling of dispute, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The XXXX findings indicate Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns and consumers safety.
Product: Debt collection

I keep getting robo calls from the number provided with my name in it. It states if I am XXXX XXXX I need to return a call for a debt owed. Not once have I ever received any notice about a debt owed in writing which by law is required for issues of such. When I call back, they know who it is already, with out asking any information, they tell me they are not required to put anything in writing and it is becoming out of control. This is fraud and they need to be stopped
Product: Credit card or prepaid card

As of XX/XX/2023 I sent a letter requesting that Discover Card is ILLEGALLY REPORTING Utilization to my credit report this company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) Discover Making the report is NOT INCLUEDED on my Consumer report! 
Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) Discover that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting or other personal consumer reports

My personal information was breached in the XXXX data breach. Adverse information was furnished to my consumer FICO report. Please review the attached items for more details. I expect these fraudulent accounts to be removed in XXXX business days according to the FCRA
Product: Debt collection

Subject : FORMAL FRAUD DISPUTE OF AUTO LOAN ACCOUNT XXXX IMMEDIATE ACTION REQUIRED To Whom It May Concern, I am formally disputing the fraudulent auto loan account XXXX, which was fraudulently opened in my name without my authorization. This is a clear case of identity theft and unauthorized credit activity. 

Under Mississippi Code 97-19-85 ( Identity Theft Law ) and 15 U.S.C. 1681c-2 ( Fair Credit Reporting Act - FCRA ), I demand immediate closure and removal of this fraudulent account from my credit report and records. 

LEGAL VIOLATIONS AND DEMANDS 1. Fraudulent Account & Identity Theft This auto loan was opened fraudulently. Under Mississippi Code 97-19-85, unauthorized use of personal information for financial gain is a criminal offense. 
You are legally required to investigate and remove fraudulent accounts from my credit file upon request. 
I demand an immediate investigation and permanent deletion of this account from your records and any credit reporting agencies. 
2. Request for Original Loan Application & Supporting Documents Pursuant to Mississippi Consumer Protection Act ( Miss. Code Ann. 75-24-1, et seq. ) and 15 U.S.C. 1635 ( Truth in Lending Act - TILA ), I demand a certified copy of my original loan application and all supporting documents, including : The original signed loan application; The executed retail installment contract ; Any identification or documents used to process this loan ; The name and credentials of the agent or dealer who approved the loan. 
If you fail to provide these documents within 30 days, I will assume you lack legal authorization to collect this debt, and I will escalate this matter accordingly. 
3. Illegal Credit Reporting & Violations of FCRA If this fraudulent account has been reported to credit bureaus, it is a direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ) and Mississippi Code 75-24-9 ( Unfair or Deceptive Business Practices ). 
You must immediately notify all credit bureaus to remove this account from my credit file. 
Failure to do so will result in formal complaints filed with the Mississippi Attorney Generals Office, the Federal Trade Commission ( FTC ).

DEMAND FOR IMMEDIATE ACTION To resolve this matter, I require : Written confirmation that this fraudulent account has been closed and removed from my credit file.

A full refund of any unauthorized charges, if applicable.

Immediate cessation of any collection, reporting, or adverse actions related to this account. 
A copy of my original loan application and supporting documents within 30 days. 

Failure to comply will result in legal action and formal complaints against your company. If this matter is not resolved within 30 days, I will pursue all available remedies, including civil litigation for damages, statutory penalties, and legal fees under Mississippi and federal laws. 

This letter serves as formal written notice. You are hereby prohibited from taking any further collection or reporting actions on this fraudulent account. 

I expect an urgent response, and I demand immediate corrective action. 

Sincerely, XXXX XXXX
Product: Checking or savings account

XXXX XXXX Well Fargo bank deny me access to my safe deposit box.I have complained to everyone the XXXX was at no help.He let the bank right a letter then said case close All my information was wrong that why she said I don't own a safe box.She need to get my checking account get a copy of a check that is written out to Well Fargo for safe deposit box there is one for every year.Im now homeless and expecting for hardship compensation due to this banker unprofesionalism
Product: Credit reporting

I have a major problem with chexsystems!! they blocked me from every bank in the country without just cause. I sent a notice of cease and desist and another letter they ignore my letters, when I made numerous calls the customer relations are ignorant and play silly word games with me. chexsystems refuses to give me reason for their criminal actions, they have already committed code violations by not responding to my communication, they also are reproting on a UNVALIDATED debt. plus over XXXX XXXX XXXX I did find out from XXXX XXXX XXXX, chexsystems forces me to contract with them and keep asking me for my personal and private information so they can store, use, and access my information WHICH I DO NOT CONSENT, chexsystems has caused me very extensive damages. and to this day i can not do any business online either, its like my whole life is blocked, I did file a lawsuit against them but they hired a bigtime lawyer is also a big liar you can reach me at XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX thank you for your tima
Product: Credit card or prepaid card

Someone gained access to my Paypal account and made 4 fraudulent transactions sending money to email addresses we know nothing about for a total of {$130.00}. We have contacted PayPal several times and keep getting the same response from them with no reversal of these transactions or any other information " We have completed our review of your unauthorized activity case, and we've determined there was no unauthorized use. '' We've tried reaching out to PayPal again getting the same arbitrary or no response. 

We believe this entity is still actively trying to access our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and discovered a lot of billing errors. mistakes in billing under U.S. 15. Code 1666 ( b ) the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit extended to the debtor. a computation error or other accounting mistake made by the creditor on a statement. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor didn't send me a statement 21 days beforehand. I demand to see specific documentation from the creditor 's bank accounts proving that I failed to pay and were considered past due because these are obviously billing errors. Below are the list of the disputed accounts. 
XXXX XXXX Balance : {$680.00} CXXXX XXXX XXXX Balance : {$570.00}
Product: Mortgage

Nationstar Mortgage LLC d/b/a Mr. Cooper acquired my mortgage XXXX XX/XX/year> with the escrow account. They failed to make the required XX/XX/year> property tax payment prompting a notification from the XXXX XXXX XXXX  XXXX that my property would go up for auction for delinquent taxes. XXXX, a representative for Mr Cooper, told me no taxes were due until XXXX, and that my house would not be auctioned off like the letter said.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received notification via XXXX my credit score decreased by over 100 points due to XXXX late payments reported by XXXX. I called Fico and reported my loans were in Forbearance with the department of Education.The representative advised my loans have been transferred over to XXXX. She advised I contact them directly to resolve and provided and outreach number for them. I contacted them on XX/XX/XXXX and was told my loans were transferred over to them from the Department of Education back in XX/XX/XXXX. They stated the attempted to contact me several times regarding the transfer. I advised the representative I hadnt received any of the attempted communication and asked what number and address they had on file. They had an incorrect number and address on file, hence the reason I was unaware of the transfer. I then went on to ask what is the status of my loans and was told my loans are in Administrative Forbearance and Payments would not begin until XXXX of XXXX. I then asked if my payments are in Forbearance why are XXXX late payments reported on my account. The XXXX stated during the transfer they could not reach me due to incorrect contact information. He stated that XXXX enter a dispute for me with All XXXX Credit Bureaus to attempt to have the late payments removed as the information is incorrect. I waited a few days to call the credit bureaus to confirm if disputes were entered on XX/XX/XXXX. I first called Experian no dispute was entered from XXXX. The XXXX at Experian entered dispute for me. I then call XXXX, no dispute entered. The XXXX entered dispute for me. On XX/XX/XXXX I received a notification XXXX changed the status of my loans to from late to current which is awesome, but the late payments still remained on my credit negatively impacting my score with incorrect information. My credit score also only increased by XXXX points, but when the information was incorrectly reported my score decreased by XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan once and I have to hard inquires on my credit that is affecting my credit score. please remove one of the inquires a credit report is good for 45 days. As I was declined anyway.
Product: Debt collection

Was Working for XXXX XXXX XXXX in XXXX Tx as a XXXX XXXX, Was injured several ( 3 ) times and sent to XXXX XXXX XXXX XXXX Tx under XXXX XXXX. the XXXX XXXX that reads the xrays ( XXXX XXXX XXXX ) has sent the charges to collections. Instead of the Insurance carrier.