23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, Equifax & XXXX a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, Equifax nor XXXX. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.
Product: Credit reporting

TransUnion has no credit history for me. I called multiple creditors and verified that they were reporting to TransUnion and all of my personal information is correct. TransUnion refused to open an investigation or a dispute relating to the fact that they are reporting inaccurate information about me. I have XXXX different credit accounts all in good standing. XXXX and XXXX are both reporting accurately, but TransUnion tells me I have to contact all of my creditors and tell them to contact the TransUnion local marketing department.
Product: Credit card or prepaid card

I received a letter from 'CHASE ', it looked like a formal Chase letter and it claimed that I tried to open a new credit card account so they are reaching out to confirm my information. I called in and told them that I did not open an account with Chase at all. However during this process, their first question was to ask my SSN. I told them my SSN and thought they'll investigate and close the claim. I never receive anything from them again. Three months later I found out that there were three cards opened without my knowledge, two from Chase and one from XXXX. I looked at the letter again and googled the phone number listed on the letter and found online that there were other people being scammed by the same number before too. 
The phone number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was the victim of identity theft and i filed an identity theft report. this message is for transunion and XXXX. i have already placed fraud alerts on my credit reports. i see a bunch of credit inquiries and some accounts that shouldnt be on my report due to someone trying to open accounts in my name.
Product: Vehicle loan or lease

I purchased a new vehicle in XX/XX/XXXX or XX/XX/XXXX. The car was financed through Santander Consumer USA. I am not sure what kind of financing practices they use, but after 5 years, and seeing that the principal was still extremely high, I decided to just let the car go back because there was no way I would be able to pay it off. The car was originally around {$24000.00}. After 5 years, the payoff was still over {$20000.00} as of XX/XX/XXXX. I believe their finance practices are illegal and so I am reporting them at this time. In XX/XX/XXXX, I tried to trade the car in but owed so much that the dealership told me to keep it. At the time I attempted to trade it in, the value was only between {$8.00} to 10,000.
Product: Debt collection

I did not receive written notification or verification that I owe this debt. It is my belief that I am not responsible for this debt and this collector has used harassing tactics to try and collect this debt that is invalid, incorrect, and unverified. I have never been associated with this company and demand that they refrain from further contacting me and DELETE this item from my credit report. CACH LLC # XXXX, has violated the Fair Credit Credit Reporting Act and The Fair Debt Collection Practices Act ( FDCPA ) which states : The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair, or deceptive practices to collect debts from you. The FDCPA covers the collection of Mortgages Credit cards Medical debts Other debts mainly for personal, family, or household purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this complaint is to let whoever is concerned know that I am a victim of identity theft. I have been disputing the account listed on this report for a couple of months now. The first time I sent in paperwork was around XX/XX/2019, and all the accounts that resulted from my identity being compromised were removed. However, as of recently, the XXXX-Card and XXXX XXXX XXXX mortgage listed in my doucuments have began to report on my Experian and XXXX  report once again. I noticed this in XXXX and once again I sent in documents to prove that the account does not relate to any transactions I have made. I had no gain of goods or services from these accounts. Yet, they continue to report on my Experian and XXXX report.
Product: Debt collection

They say I owe XXXX It hit my credit XX/XX/2024 I asked for information about this account that they didnt send
Product: Checking or savings account

I file a dispute for unauthorized chargers from XXXX. I contacted Chime and filed a dispute. Within XXXX  days Chime says my dispute was denied. Yet when I contact XXXX they agree the charges were not made by me. XXXX stated no one has contacted them from Chime, yet I was denied. I called Chime and ask the reason why I was denied and they would not tell me. They kept saying wait for a letter in XXXX  days. Well I need to file with the XXXX  and the police report XXXX  days is too long especially if the reason why I was denied has already been generated. Dispute # XXXX
Product: Checking or savings account

I had a payday loan company by the name of XXXX deposit funds into my checking account, the deal was that I paid them back on that day and then they could loan me {$2000.00} because I then had a payment history with them. Needless to say, it was a scam and the deposits they made into my account got returned. The bank is saying it isn't their fault so there's nothing they can do. This has resulted in my account being overdrawn hundreds of dollars and they just won't do anything, I tried telling them about the company who pretends to be a legit company, they admitted they know it's a scam but still won't help me or do anything to protect consumers. I get that it's not the banks fault, but most fraud and banking issues aren't the banks " fault '' per say but they still have somewhat of a responsibility to handle things when their clients get scammed. I have reported the company to the REAL XXXX XXXX XXXX. I already have called, emailed and visited the bank in person and all I get is an attitude and told it's not their problem. This put me in a terrible spot where the little money I did have was taken and they just continue to put the account more in the negative every day that goes by. This has taken a minute because I sent the original complaint to the Comptroller of the Currency and apparently that was the wrong governing board for this issue. Please help, it is not ok for this to happen.
Product: Checking or savings account

XX/XX/2022 I submitted two claims about there being two unauthorized charges made to my account. One taken from my saving account in the amount of {$2000.00}, and one made from my checking account in the amount of {$650.00} through a XXXX transaction. Both charges that were not made by me. 
Wells Fargo, my bank, stated that they will give me a claim number and do an investigation on my claims. In the meantime, I have changed all my account passwords and enabled two factor authentication for more security on my accounts just in case. 
On XX/XX/2022 I receive a letter in the mail about both claims I have submitted and the updates on them. They both said that, both the {$2000.00} and the {$650.00} could may be the result of fraudulent activity and they gave me a new claim number and closed my original claim number. 
Then in XX/XX/2022 I received a letter about both claims stating that they have determined that the transactions were made by you, or someone who had or authorization I did not give authorization nor did I, myself made these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau is going against my consumer rights according to FCRA. 
I sent multiple letters indicating this matter and they keep ignoring them aswell called.I just spoke with a representative name XXXX in the fraud department special services and then spoke with a supervisor is charge named XXXX and she HUNG UP IN MY FACE! The date of call was XX/XX/23 at XXXX then spoke with supervisor by the name XXXX XXXX XXXX. Not to mention I recorded the recording ALSO! 

Credit Bureau is violating : US CODE 1681a 2 ). ( i ) US CODE 1666b ( a ) US CODE 1681e ( b ) According to website : www.Experian.com. In the article, Does your Income Appear on your Credit Reports? Under what is included in your credit report, it states Personal Information, Accounts, Inquires, and Public records. Following the article nowhere does it state income being a part of your consumer report. If income is not a part of your consumer report and a charge-off is being reported on your consumer report then it is not reported accurately. 

Also Violating procedures under IRS form 1099A and 1099C.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying things recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : 12 XXXX XXXX  XXXX CO ) XXXX Balance : {$1400.00} ; XXXX XXXX  ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : 08 XXXX XXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$560.00}
Product: Checking or savings account

I created an account in XX/XX/XXXX and signed up for a checking account bonus. I completed the required tasks for the bonus and never received it. TD Bank says they have up to 180 days to pay it out. I passed that 180 days on My XXXX XXXX and still didn't receive my bonus. I contacted them about this and they said they would look into it. Since then, I have no heard back from them and have not been paid out.
Product: Money transfer, virtual currency, or money service

Wells Fargo employees stole my ID and applied for loans in my name from the SBA and open accounts at their facility. I was forced to freeze my account and cards. Wells Fargo refused to contact the credit bureau to remove the inquiry from my report.

This has prevented me from using my accounts to buy gas or opening any other credit
Product: Credit card

Bank of America is refusing to produce proof of a conversation I had with an associate in which I was told to pay less than the amount I owed for XX/XX/2016, which caused me to come up short {$36.00} for the month and they reported me late. Ive written to the CEO, XXXX, spoken to a couple special services reps and have gotten no where. Since this was done with a phone rep, there are no written records on my end, so Ive asked them to produce the proof that my conversation with the rep I spoke to did not cause this. They know who I spoke to, as they have referenced it. Therefore, they must have some record of this. I want this false late removed, as I did what I was told to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602A states I have to privacy 15 U.S.C 1681 section 604A its also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Their are wages and creditors on my credit report that is not mine and I want them remove off my credit report can you send me a letter to mail to these creditors to remove false information off my credit report
Product: Credit card or prepaid card

Barclays has send a decision letter and their conclusions are not accurate. I tried calling XXXX in the President 's Office several times and did not hear back. So I did not have the opportunity to clarify his misunderstanding of the facts. There were two cards on my account. The fact is that my mom was an authorized user and had her own card when she was in New York. I was NOT in XXXX. I was home in XXXX, Fl. Our evidence and documentation clearly shows that my Mom left on XXXX XXXX, 2022 and charges were made after she left XXXX. The fraudulent charges were made in New York when my MOM was back home in Florida. Mom lost her card in XXXX and didn't know she had lost it. We were not aware of the fraudulent charges until we received a payment late notice from Barclays. We NEVER miss payments and always pay off our balances in full for ALL of our credit cards. She did NOT have her card in her possession when we filed the initial fraud claim because she lost it in XXXX. I was at home in XXXX, FL and did have my card but had not and did not use it. We did NOT make the charges as originally listed in the fraud claim.
Product: Debt collection

I do not have a contract with this XXXX  I have never signed a contract with them and I am not liable for any debt associated with this company. I have requested through all 3 credit bureaus for validation of this account with a signed contract from me obligating myself to this company and have never received from this company. I am not responsible for the alleged debt. I have asked the credit bureaus all 3 to obtain the following information. What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent and Signed contract with my signature. I have been victim to identity theft and have been victim to scams related to alleged debts that were found to not be mine so I am very proactive in validation of my accounts. I have contacted the following credit bureau XXXX  and they have reported that this account is validated and I have not received any information personally that shows validation of this account and I have requested it twice. This is my last option and then I may have to retain a lawyer to see what can be completed.
Product: Credit card or prepaid card

After following up w/ XX/XX/XXXX Operations Manager XXXX XXXX via telephone on XX/XX/XXXX regarding disposition of the XX/XX/XXXX American Express ( Amex ) Card settlement agreement we negotiated, I was informed that Amex had retracted my account. As such, I wrote XXXX XXXX Amex Group President, Global Consumer Services on XX/XX/XXXX ( copy attached ) as follows : " Please reference attached settlement agreement. After affording Amex every opportunity to explain and/or correct the APR concerns conveyed in my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX letters, I sought assistance w/ resolution of my Clear Card Account billing dispute from its regulator the Consumer Financial Protection Bureau ( CFPB Case # XXXX ), as well as w/ the New York XXXX XXXX XXXX ( XX/XX/XXXX Complaint ID # XXXX   ). As the result of Amex discontinuing communication, both were closed w/o resolution. 

At the urging of the New York XXXX XXXX  XXXX, I also reached out to the New York State Department of Financial Services for resolution, but Amex continued to insist on payment of the {$6700.00} outstanding balance, including the approximate {$900.00} in charges and fees added after closing the account. Since there was nothing in my Amex agreement allowing it, I vehemently disputed it and refused to pay it. 

Since both parties submitted supporting documentation to the CFPB in support of its argument, my XX/XX/XXXX letter also proposed allowing the CFPB to review the information submitted and render a decision. Instead of allowing for an unbiased ruling from its regulator, Amex opted to take steps aimed at closing the account. As such, the account was closed in XX/XX/XXXX and charged off 4 months later in XXXX. It was eventually turned over to collection agency XXXX XXXX, XXXX. 

In a last-ditch effort to settle the matter, I reached out to XXXX XXXX on Thurs XX/XX/XXXX w/ a proposal for settlement. And while pleased w/ the agreed upon offer received via US Mail on Sat XX/XX/XXXX, the unilaterally added XX/XX/XXXX payment Due Date resulted in voiding the agreement. As shared in todays follow up call to Operations Manager XXXX XXXX, I will be returning to the DC area next week ( Sat XX/XX/XXXX ) and was hoping to care for this matter before moving. Since my negotiations w/ Amex never gained traction, I am most concerned w/ his informing me that Amex retracted the account as of the XX/XX/XXXX unilaterally imposed payment Due Date.

I took the liberty of having the agreement reviewed by my long-term friend and bankruptcy attorney XXXX XXXX over the weekend who felt it fair, but shared the following concerns : A ) Due Date too soon ( 2 weeks minimum if using US Mail ) B ) No signature ( include signature for accountability and follow up/contact ) C ) No time frame provided for credit report removal As time is of essence, please address the above and resend the offer via email to XXXX ( preferred ) or via Priority Mail Express or Priority Mail Hold for Pickup for Wed XX/XX/XXXX or Fri XX/XX/XXXX. '' Although I followed up w/ Mr. XXXX 's office 3 weeks later on XX/XX/XXXX, I'm yet to receive a response. 

Regards, XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. I am a small business owner and my account for that business was housed with the financial institution known as, Huntington National XXXX. InXX/XX/XXXX an employee of the business I ran had access to multiple checks and account information. She used these checks, and corresponding account information to steal from the business and myself. {$2700.00} was the amount taken in a 40 day timeframe. I inquired and informed my local Huntington Branch the XXXX XXXX XXXX XXXX on XXXX XXXX in XXXX, Ohio. Now when this conversation happened, two things should have happened in tandem with one another immediately. 
1. Stop payments on the checks I informed the branch that I was missing 2. Account Closure. 
Neither of these required responses occurred. Instead the account continued to overdraft, expand upon the fees being allocated to my account, and eventually reported my overdrawn account to check systems as a " closed with a negative balance '' account. 
I filed a police report, I have a signed document that possess a notary stamp verifying that I swore to the fact and indemnify myself of these charges, I also attested this information to the Huntington Fraud Department. I have done everything they have requested, and instead of supporting me, a small business owner who had fraud occur on his account, through no fault or inaction of his own, they decide to tell me multiple times. They are busy. This gross negligence is unacceptable. I would simply like the fees removed, my case resolved, and the check systems report to disappear. In essence, I want Huntington to do their job.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$470.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$2000.00} Open Date XXXX XXXX, XXXXXXXX XXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XXXX XXXX, XXXX XXXX XXXX  Balance {$1400.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$360.00} Open Date XXXX  inquiries XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I described in detail and it was erased. I never requested new credit cards from my ank! They just changed my cards to give me better advantages to used the cards ( from the SAME bank ). Chase is my bank! They kept the same acct numbers, just changed the type of cards I gotl
Product: Credit card or prepaid card

Place an order with a vendor who has not cancelled an order like they say they are supposed to. Filed a dispute with XXXX on XXXX, was told 24-48 Horus for response, been 7 days and nothing. Eventually this company is going to send this item to my house and I will have no recourse since XXXX is dragging their feet on reversing these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over two years, I have been a victim of identity theft. The identity thieves have opened numerous charge accounts in stores, applied for several credit cards, using my personal information as their own. I have know idea how they obtained my information. 
On XX/XX/XXXX, someone opened a bank account at Bank of the West with overdraft protection. Shortly afterwards they overdrew the account for {$5300.00}. Bank of the West turned the matter over to a collection agency who contacted me in XXXX, XXXX. Because I disputed the debt, they suspended collection efforts and asked Bank of West to look into the matter. This debt of {$5300.00} is still on my credit reports and has hampered by ability to take advantage of lower interest rates to finance my house. They have slandered my credit and do don't respond. I have complied with all their requests including filling out numerous forms, sending them a copy of my drivers license and obtaining a police report. I have copies of all correspondence.