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

Called TD bank customer service number to report a suspicious activity on my account on XX/XX/year> at XXXX XXXX. I was greeted by XXXX who mentioned to me that the suspicious activity was not actually suspicious. XXXX proceeded to tell me that this transaction that I see label as Phone Transfer to Checking XXXX for XXXX was actually done by the XXXX department. I asked XXXX to submit a claim for unauthorized transaction. She proceeded to pass me to her supervisor XXXX or XXXX from the New Jersey Call Center. He told me he can not do a claim for me and told me to contact XXXX. 
After making the transfer the account is at a XXXX dollar balance. I was not aware that they could offset your joint account with your mother so they can take care of a balance on a individual account. I asked to show me the agreement that allows it and no answer.
Product: Debt collection

XXXX XXXX XXXX insurance billing office has stated Any balances were paid >Talked to them numerous times and same conclusion with where I attatched to XXXX disoute such findings where they did nothing but Rubber stampes DENIED with no showing of any work they did to resolve what I Believe is deliberate fraud and extortion by collection agency in Question.
Product: Money transfer, virtual currency, or money service

I received a call from a Wells Fargo phone number on XX/XX/2021 with someone who claimed to be a representative from Wells Fargo. He asked if I, or someone, had charged {$3000.00} in Minnesota from my account because there was a charge, even though I could not see it from my WF app. I told him that was not me and he sent me a confirmation text with a code to read back to him just like Wells Fargo does, making this fraudster more believable. He then walked me through the steps to XXXX myself the {$3000.00} saying that it would reverse the payment so the money was not removed. The money disappeared from my account and then he assured me that it would be back in my account within 24 hours. When it was not, I called Wells Fargo and they informed me that nobody from there had called me and it was fraud. I called the fraud phone number of Wells Fargo and each time they opened a claim it was closed for unknown reasons- nobody even notifying me that it was closed or that I wasn't getting my money back. I talked to someone in person at Wells Fargo who also was of no help because everyone was telling me this situation is not considered fraud. I received an email recently explaining this exact situation and to beware of fraudsters that will take money by XXXX and to call the Wells Fargo Scam & Fraud line ASAP. I did that many times and nobody is helping me! I can not lose this money and it is not my fault that someone was able to access my information and manipulate a Wells Fargo phone number to steal money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights.

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
Product: Debt collection

Starting XX/XX/XXXX have received multiple calls at work and cell phone saying they are re activating old lawsuits against me Calls come from North East Recovery XXXX XXXX XXXX they have not sent me any documents by mail just leaving messages and saying they are contacting my work managers and are looking at my assets and employment to attach the judgement tp
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENTITY THEFT.
Product: Debt collection

I received a phone call on XX/XX/XXXX from Southern Management Systems , Inc. They informed me they were a debt collection agency working on behalf of XXXX  at XXXX and/or XXXX at XXXX in regards to an apartment lease agreement from XX/XX/XXXX to XX/XX/XXXX. This is an apartment complex my daughter lived in college. They claimed there was an unpaid charge for {$230.00} in damages to repaint the bedroom and bathroom and part of the common areas along with an unreturned door remote. I explained I was unaware of any charges and I had not received any notices They went further to inform me that collection notices had been going to the wrong address. I further informed her that I was a listed guarantor on the lease contract that had contained my correct address. They acknowledged having no record of providing a notice of a debt prior to XX/XX/XXXX, nearly 1 1/2 years later. The collection woman demanded immediate payment or she would file it on my credit report. I requested that she send me an invoice for my review. I was sent a collection letter dated XX/XX/XXXX of which I did not receive until XX/XX/XXXX. The Guarantee Agreement was attached that had my correct address all along. Upon receipt of the letter, I pulled my credit report to find they reported it on my credit the next day on XX/XX/XXXX. I find this to be an abusive collection tactic and these people should be investigated. This is a deceptive company that is not playing by the rules. They knowingly filed this on my credit report as leverage to collect a debt that I was not provided the ability to dispute. My daughter lived in this apartment for 2 years along with 3 other girls. The lease was renewed for a 2nd year term and therefore paint touch up of {$230.00} should be considered normal wear and tear on a {$19000.00} lease payment term. In summary, I was not provided the ability to dispute this claim until after the fact, but they still filed this on my credit report with full knowledge they had not provided an invoice.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year> I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank for your understanding and prompt action.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to file a complaint against XXXX XXXX XXXX XXXX and XXXX XXXX regarding a transaction issue I experienced with Zelle on XX/XX/. I sent {$1500.00} to my husband to pay our mortgage through Zelle using my bank account with XXXX XXXX XXXX XXXX. However, the funds did not reach my husband 's account and have seemingly disappeared. 

After contacting XXXX XXXX XXXX XXXX, I was informed that the funds would clear the next day due to a limit on my account. However, the funds did not clear on XX/XX/XXXX, nor on XX/XX/XXXX. I was then told it would clear by Monday, XX/XX/XXXX. On that day, I had a conference call with my husband, his bank, and my bank, only to be told that the issue was on XXXX XXXX 's end. 

XXXX XXXX claimed they did not receive the funds and my bank instructed me to file a dispute, which could take up to XXXX months to resolve. This delay is unacceptable as I urgently need the funds to pay my mortgage. I trusted XXXX XXXX XXXX XXXX to protect my money and I feel they should have at least issued me a temporary credit while investigating the issue with Zelle. 

I request your assistance in resolving this matter and ensuring that my {$1500.00} is returned to me promptly. I appreciate your attention to this complaint and look forward to a timely resolution. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST TO CEASE AND DESIST ALL THEFT BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KY XXXX Dear XXXX XXXX XXXX XXXX : We regret to inform you that your employment with XXXX XXXX  XXXX XXXX XXXX is being terminated, effective XX/XX/XXXX. 

You are being terminated for violation not limited to reasons of Perjury, Slander, Harassment, Insults, Briberies, Theft, Commercial Espionage, and Poor Performance. You Freely Entered Into A Signed Written Contract Between XXXX XXXX  XXXX And The Title Coordinator Regarding A Non-Compete Agreement On XX/XX/XXXX, At The Time You Accepted Employment With The Department of Labor This Agreement Stipulated That You Not Solicit For A Period Of 1 Year Independently Or Through A Competitor Of Minority/Woman- Owned Businesses Enterprises Within The 50 States Of America. More Specifically, Your Non Disclosure Agreement States That You Will Refrain From Any Direct Or Indirect Perjury/Slander to obtain Contact With Current Employers, Vendors, Consumers Or Any Other Individual Entity Maintaining A Contractual Relationship With International Business Management That Develops, Manufactures, Markets, Distributes And/or Sells Any Products/services Provided By Or For XXXX  XXXX XXXX. It Has Come To My Attention That You Are Now Working With A Competitor Of The Defendant And Have Been Soliciting Stolen Goods/Services From Consumers And/or Business Corporate Owners Of The Respondent ( s ). As You Are Aware, Soliciting Stolen Goods Or Services Of The Respondent ( s ) by way of perjury, grand theft, survivor fraud Is A State Felon Offense And A Direct Violation Of Employment You Agreed On XX/XX/XXXX, Thus You Are Interfering With The Arrangements Established Between The Surviving Defendant ( s ) And Its Customers Market and Commercial Affiliations. In Addition, Your Current Employer, XXXX XXXX XXXX, Is Also Interfering With The Agreements Set Forth And Established By The Department of Labor. You Are Hereby Requested To Cease And Desist Any Further Solicitation Of Currency of Employer by Aggravated Theft of Wage Details, Employment Fraud, Power of Attorney, Social Security Fraud, Bank Fraud, Securities Fraud, Applicants, Employees, Vendors, Customers Or Any Other Individual Entity Maintaining A Safe Working Relationship With Public Works. Failure To Comply Will Result In The Obtainment Of A Writ of Execution Order In District Court Against Both Villas At XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX TX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ACCOUNTS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This company is reporting to all three credit bureaus that I owe {$520.00}. However this company is in violation of Hippa Act of 1996. I did not give them authorization of my information. I never signed a HIPAA form to authorize them to have access to the information. They need to immediately delete this item from your report and stop all attempts to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute XXXX hard inquiries on my credit report by XXXX XXXX XXXX It has come to my attention that my credit was checked twice by XXXX. I believe this to be an error on their part, as they took an excessive amount of time processing my application and had inaccurate information in their system. 
During a recent visit to a local XXXXXXXX XXXX branch, I spoke with a manager about the incorrect information on my consumer profile from XXXX XXXX An employee at the branch mentioned that she had experienced the same issue on her profile and attributed it to an outdated system that had not been updated correctly with the new processing system from XXXX. This conversation further supports my concerns about the accuracy of the information on my credit report and the unauthorized inquiries. In addition this concerns me greatly as I am a previous victim of identity theft. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a consumer reporting agency may furnish a consumer report only for permissible purposes, which include a legitimate business need for the information in connection with a business transaction initiated by the consumer. My understanding is that multiple hard inquiries within a short timeframe for the same type of credit product should be treated as a single inquiry. The two inquiries in question were performed on XX/XX/2023, and XX/XX/2023, by XXXX XXXXXXXX XXXX I have not authorized any additional credit inquiries from XXXXXXXX XXXX or any other financial institution during this period. 
Pursuant to the FCRA, 15 U.S.C. 1681i, I request that you investigate this matter and remove the hard inquiries from my credit report. As a consumer, I have the right to dispute incomplete or inaccurate information on my credit report, and consumer reporting agencies must conduct a reasonable investigation to determine whether the disputed information is accurate. 
Please find below my personal identification information to assist in the investigation :
Product: Debt collection

Red Rock Tribal Lending, LLC d/b/a CastlePayday.com ( or now bigpictureloans.com ) XXXX. XXXX XXXX, XXXX, MI XXXX 2015 LOAN IN THE AMOUNT OF {$600.00}. THEY ARE LEAVING THREATENING MESSAGES ON MY DAUGHTER PHONE AS WELL AS MY WORK PHONE NUMBER. TELLING ME THAT I WILL BE GARNISHED FOR {$3000.00} DOLLARS. 

THESE PEOPLE HAVE TOLD ME THAT I WILL BE HAVING MY WAGES GARNISHED AND HAVE TO DO COMMUNITY SERVICE. ALSO TRIED TO MAKE A PAYMENT PLAN WITH THEM BUT THEY WANTED MY BANK INFORMATION AND TOLD ME IF I DIDN'T GIVE THEM THE INFORMATION RIGHT THEN THAT THEY WOULD PROCEED WITH THE GARNISHMENT. TOLD ME THAT THEY WOULD COME TO MY JOB AND NOW XXXX IS ACTING LIKE SHE IS CALLING FROM THE COUNTY CLERK OFFICE LEAVING ME THIS NUMBER XXXX. 

IF YOU DON'T SAY WHAT THEY WANT TO HEAR THEY WILL HANG UP ON YOUR IMMEDIATELY. ALSO I WAS NEVER INFORMED OF THE 850 % INTEREST RATE OF THE LOAN. I WAS TOLD THERE WOULD BE A {$120.00} FINANCE CHARGE. I WAS UNABLE TO VIEW THE " TRUTH IN LENDING '' DISCLOSURE UNTIL AFTER MY LOAN HAD BEEN PROCESSED AND FUNDS DELIVERED TO MY ACCOUNT. THIS IS ILLEGAL AND REMEMBER, THEIR CLAIM THAT THEY IMMUNE TO THE LAWS OF THE FEDERAL GOVERNMENT IS TOTALLY FALSE.
Product: Debt collection

On XX/XX/2022 I called CMRE Financial services , Inc after receiving a debt collection bill. The first time I called the phone was picked up and then immediately hung up. I had to call again and wait on hold. When the call was answered by a XXXX, I provided my information. When I began to request additional information from this person, I was repeatedly told that this bill was my responsibility, over and over. She would not provide answers to any of the questions asked and became extreme hostile, and unprofessional. She then hung up on me without answering or resolving my questions. This company is not willing to provide answers or properly take information. I feel that they are attempting to dodge calls in order to run up bills and collect additional money.
Product: Debt collection

On XX/XX/2024 I received a notification from my XXXX XXXX  on my mobile app that someone fraudulently did a change of address to an address that I dont even know or am affiliated with. I contacted XXXX banking they transferred me to XXXX in which I have an account with. We were told that MID LAND CREDIT MANAGEMENT FROM XXXX XXXX XXXX  had open an account from a Deb collection with the address of : XXXX XXXX XXXX XXXX XXXX XXXX  WA XXXX saying we owe {$760.00}. We do recognize the XXXX XXXX XXXX  but for them to go make up an address that we have no affiliation with or even know where that is, is fraudulent! We just recently purchased a car online through XXXX and are worried that our information was shared but the address is not right and we dont even know that address. Looks like they just made up an address so that they could open an account against me witch isnt right its fraudulent so we were told by experian from XXXX from the XXXX  team of the fraud department to file this report with you guys at the FTC.gov and they will be helping us moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi this account with AD ASTRA RECOVERY SE was removed from my XXXX XXXX report based on online fraud this account was obtained under false pretense online with this company. I did not open this account and provided no information to this company please remove this account from my credit report. 

XXXX XXXX this account was obtained by phone or online under false pretense i did not open this account and use services related to this company this account was removed from my XXXX XXXX account based on fraud please remove this account from my credit report.
Product: Consumer Loan

I purchased a vehicle in XX/XX/XXXX had a total loss claim on the vehicle in XX/XX/XXXX XXXX paid the company whatever the car was worth. However the car company stated since I was at fault I was responsible for paying the {$500.00} the insurance company subtracted from the total loss check. I paid the balance in full in increments to the car company and they reported that I was a charge off on my credit report which is not true. I received a paid in full letter and a letter from their lawyer saying that my credit report would be updated to reflect accurate information. I have since seen my credit report be updated to charge off on as current as XX/XX/XXXX. This information is inaccurate and I need this taken off my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

3. Identity Theft NORDSTM/TD Account XXXX : XXXX This is not mine. 

4. Identity Theft TARGET/TD Account XXXX : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

7. Identity Theft XXXX  Account XXXX : XXXX This is not mine. 

8. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine. 

10. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

11. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

12.XXXX Account XXXX : XXXX This is not mine.
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 : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name XX/XX/XXXX 3 Account Number : XXXX has violated my rights. Or 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, and DISCOVER FIN SVCS LLC with no successful resolution. There was definitely an error on their part.
Product: Debt collection

CFPB Complaint XXXX XXXX XXXX XXXX XXXXXX/XX/year>, is still pending a response. Since the complaint XXXX XXXX has transferred the account to to another debt collection agancy, violating the Fair Debt Collection Practices Act 1692-1692p. CFPB Complaint XXXX XXXX states a debt, " was placed with our office by our client, XXXX XXXX XXXX XXXX XXXX Unauthorized contact was made. 
In CFPB complaint XXXX XXXX, 'in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX XXXX regarding the XXXX XXXX debt that we acquired, which is now associated with XXXXXXXX XXXX XXXX XXXX. In response to XXXX XXXX dispute, we have terminated collection efforts on the debt. Thank you for the opportunity to respond. '' The debt was terminated and no further efforts to collect the debt should occur as there was no " Validation of Debt '' under Federal Debt Collection Practices 1692-1692p, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within the thirty-day period. Letter of Validation of Debt was sent on or around XX/XX/scrub>XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX 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 XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). If you do not verify these items, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
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