23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX & XXXX continue to push for a wage execution after we 1. Filed complaint with CFPB 2. Filed objections with court 3. Requested through XXXX website the name of original creditor and amount. 

Disputing the alleged balance and The original creditor and any wage execution. 
We have always been willing to make payments with the previous law firm but we never heard from them since XXXX & the XX/XX/XXXX letter is the first we ever heard of XXXXXXXX XXXX XXXXXXXX. We have reached out numerous times by phone only to receive a voicemail every time and never a return call. 

We just received XXXX XXXX XXXX reply to the CFPB on XX/XX/XXXX and have today already left 2 more voicemails for XXXX XXXX at ext. XXXX to discuss the account in question and to offer to make agreed upon payments, which we have been provided no opportunity ever to todays date of XXXX XXXX & since our last offer back in XXXX, when we never heard back from Citibank or previous law firm. Also XXXXXXXX XXXX XXXXXXXX had a transfer assign of attorney firms they provided from XX/XX/XXXX yet they say tried to contact us in XX/XX/XXXX which we did not receive any mailings or phone calls from them, as they by their own timeline were not the attorney we were ever aware of that time XX/XX/XXXX. 

We feel strongly that we are being badly mistreated. Do not understand how a wage execution has been in the works when no one from any law firm has spoken with us, although we have tried numerous times since XXXX and even made good faith payment offers. Which also makes no sense to us, how this popped up on XXXX and now we are given no reasonable amount of time to rectify or come to an agreement between parties. We are willing to make payments, always have been, just as long as the amount in question is correct. But we need to speak to XXXX XXXX as we were directed to do by XXXX XXXX XXXX on XX/XX/XXXX. 

Why would they not want payment over a wage garnishment execution. This feels like nothing but intimidation tactics and harassment to embarrass. We would like CFPB to request XXXX XXXX XXXX to contact us so we can make payments directly, as always.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX XXXX. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit card

There is business credit card opened in my name in another state and I reached out to Capital One and they tell me they can not provide the original application to see who applied and from where and they tell me they do not have an original application because it was taken over the phone. Now This business is registered in XXXX and it is not associated with me. I have been battling with this since 2021. They have now levied my bank account for {$14000.00}. 

I do not own or am associated with creative residual.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX a loan agreement was made in my name for purchase of a vehicle, the vehicle was purchased by a company unrelated to me. Speaking with the motor vehicle department, the vehicle was registered to someone with the last name XXXX on XX/XX/XXXX The car dealership falsified a signature indicating it was my signature when it was not. Furthermore, TD Auto Finance backdated paperwork putting a lien on a vehicle falsifying records because it was registered and owned by an unknown individual. They have no perfected lien, no promissory note, no security agreement, and no valid contract. Did not follow the rules of the Uniform Commercial Code. They have created this account out of thin air.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice To Intent Equifax, a global data, analytics, and technology company, who play an essential role in the economy by helping companies in diverse industries such as automotive, communications, utilities, financial services, XXXX, XXXX, insurance, mortgage, professional services, retail, XXXX, and government agencies, make critical decisions with greater confidence. Equifax who also collects personal information from XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) is a provider of bankruptcy information to Equifax. In my case, my Bankruptcy was obtained unethically because, I was an Uninformed Consumer during this Transaction and you have defamed my character and has affected my Livelihood. You stated that you obtained my bankruptcy from XXXX XXXX however, XXXX XXXX has removed the bankruptcy due to FCRA Laws not being followed. Please see Supporting Documents.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX TX, XXXX RE : Revocation of Consent to Report Consumer Information & Notice of FCRA Violations Pursuant to multiple federal consumer protection statutes, including the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), I hereby assert my rights as a protected consumer and formally notify you of the following : Statutory Basis for Consumer Privacy Protection The FCRA ( 15 U.S.C. 1681 ( a ) ( 4 ) ) explicitly recognizes that consumer reporting agencies must " exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' This fundamental protection is reinforced by 15 U.S.C. 6801, which mandates that financial institutions maintain " an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' Requirement for Written Consumer Consent Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reports may only be furnished " in accordance with the written instructions of the consumer to whom it relates. '' I hereby affirm that I have not provided written consent to either XXXX, Experian, or [ Furnisher of Information to Credit Agencies ] for the reporting of my consumer information. 
Revocation of All Forms of Consent I hereby explicitly revoke any and all forms of consent - whether written, verbal, implied, or otherwise - previously given or assumed by XXXX, Experian, and [ Furnisher of Information to Credit Agencies ] regarding the furnishing of my consumer information. 
Violation of Disclosure Requirements Pursuant to 15 U.S.C. 6802 ( b ) ( c ), financial institutions are required to provide consumers with " an explanation of how the consumer can exercise that nondisclosure option. '' [ Furnisher of Information to Credit Agencies ] has failed to fulfill this statutory obligation.

Reporting of Time-Barred Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), consumer reporting agencies are prohibited from reporting " adverse item [ s ] of information ... which antedate [ ] the report by more than seven years, '' except for criminal convictions. The continued reporting of this account information appears to violate this statutory limitation.
Product: Debt collection

Today at XXXX, I received a call from a XXXX XXXX with Professional Debt Mediation out of XXXX XXXX FL ( XXXX ), for an apartment lease deficiency. I do not dispute this debt, however, I have never been sent anything in writing regarding this debt and giving me 30 days to dispute said debt. I indicated as much to XXXX XXXX on the phone and she did not say I would be receiving or should have received a notice in writing. She asked for a financial commitment to pay the debt and I informed her that at this time, neither myself, nor my husband are working so I could not give her a financial commitment. I asked her again at that time, to please send communication through the mail because to call me is fruitless because I currently have no way of paying her. She proceeded to inform me that the company could take legal action against me, which I am well aware of and I told her I understood. She asked again for a commitment to pay the debt. I again informed her that I could not commit to pay the debt, as I have no income to do so. She asked me if neither my husband nor myself were working, how were we paying our bills?. I told her, very politely, that it was not her concern and started to tell her that I intend to pay the debt but before I could do so, she yelled at me that it WAS her concern how I was paying my bills because her client is entitled to receive their money and it IS her business to know how I am paying my bills. All the while she was screaming at me, I was attempting to tell her that I was not trying to be rude and that I was well aware of the consequences of me not paying the debt but I could not help her, since I have no income. She was still screaming at me while I was attempting to tell her this and said FINE, I CAN NOT HELP YOU! and hung up on me. I have been a XXXX since 2003, specifically working as a XXXX. Currently, I am in school to finish my XXXX. I KNOW that how I pay my bills is none of their business and when I went to assert this fact, I was berated and screamed at like a piece of trash. As of this date, I will be keeping a log of the calls made to me ( she called my husband at XXXX today, as this is a joint debt ) and the things said if I am again treated the way I was today. I know that debt collectors do not have to be all sweetness and light, however, they do have to be professional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
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 Equifax 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 of a personal credit card account opened at Capital XXXX XX/XX/XXXX in the amounts of {$450.00}, XXXX XXXX XX/XX/XXXX in the amount {$280.00}, XXXX XXXX  XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$690.00}, XXXX XX/XX/XXXX in the amount of {$27.00}, XXXX XXXX XXXX XX/XX/XXXX in the amount of {$1100.00}, XXXX XXXX XX/XX/XXXX in the amount of {$200.00}, Self financialLead XXXX  XX/XX/XXXX in the amount of {$260.00}, XXXX Bank XXXX XX/XX/XXXX in the amount of {$47.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XX/XX/XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXX in the amount of {$0.00}, XXXX XXXX XXXX XXXXXX/XX/XXXX in XXXX amount of {$0.00}, Mobile account ; XXXX XXXX XX/XX/XXXX in the amount of {$1000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit card accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have a business checking account with Wells Fargo and have had that account for about 7 years. The address for the account listed my Post Office Box. In the last few months I received a letter from Wells Fargo telling me that I need to change the address on the account because Post Office Box numbers are not allowed. I immediately went on line and followed the instructions in the letter to change the address. As far as I knew at the time the address was changed. Then I received another letter from Wells Fargo telling me I need to change the address on the account, which I thought I already did. So I called Wells Fargo and the representative I talked to said she checked the address and it was changed and everything was fine- the letter and change must have crossed. 

Then on XX/XX/2023, I tried to wire money from my business account to pay for an annuity payment for one of my clients. I received a notice that my wire could not be sent. I called Wells Fargo and they told me account was on hold because the address listed was not correct. I explained to them that I had changed the address and it was confirmed by a Wells Fargo employee. I asked for the hold to be removed and was told it could take 4-10 days. So in the meantime, I am unable to pay my employees and receive payments from my clients for the work I have preformed. Further calls with Wells Fargo has resulted in no action being taken on their part to remove the hold as of XX/XX/2023. This whole incident has caused me great stress that has affected my health- especially my XXXXXXXX XXXX XXXX XXXX XXXX. It has prevent me from paying my employees and from receiving payment from clients. Clients sending me payment are seeing the payment rejected and are incurring fees for the rejection. This is destroying my reputation that I have built practicing law for 24 years. Please help!
Product: Checking or savings account

My father, XXXX XXXX XXXX, opened a checking account with US Bank in XXXX, XXXX. He moved back from XXXX to our house in XXXX, XXXX at the end of XXXX. In XXXX of this year he moved into a memory care unit in XXXX, XXXX 
I have Power of Attorney and have been trying since XXXX of XXXX to pay his bills through his US Bank Account. For three months, I have jumped through hoops, spent hours on the phone with customer service, been told incorrectly on multiple occasions on how to accomplish this and US Bank never follows through on anything they say they will do. 
US Banks customer support continually contradicts things they have told me on previous occasions. Below are a few data points : 1. From XX/XX/XXXX through the end of XX/XX/XXXX I called multiple times and was told to send in a notarized copy of the POA form, my Moms death certificate, my dads Doctors letter of incapacity, photocopies of the front and back of my drivers license. I have done this twice. On one occasion I was told this was received, but that I am not yet an approved signor. 
2. I called on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX, each time I was told a manager would call me back. I have never once received a call-back. 
3. I have written, most recently through certified mail, the office of the CEO, on XX/XX/XXXX and XXXX and have never received a reply. 
4. I have gotten Case Numbers, which are apparently useless because no one at US Bank seems to know what to do with them. 
5. I was directed to US Banks Life Event Team which was bad advice because it only applies when the account owner has passed.

6. Each time I call, it takes ten minutes to get to an agent, who takes all my information and tells me there is no one else I can call, but that someone willget ready for it call me back.

7. I have been told several times to come into a branch, the closest of which is a ten-hour drive for me. US Bank apparently does not have a correspondence bank in the area.

8. I have paid almost {$40000.00} out of my own pocket to pay my Dads bills and I can not afford to do this much longer.

US Bank has been totally unresponsive and I need help to resolve this issue, one person who I can actually call who can follow through and get something done.
Product: Credit reporting, credit repair services, or other personal consumer reports

An acollection account has been added to my credit report which is fraudulant It is not my account I ask exuifax and transunion to remove from my account and have not removed it. the account added is XXXX XXXX creditor is XX/XX/XXXXthis was never my account I am requesting this account be removed immidiately
Product: Debt collection

I am disputing the following account : Net Credit. Account # XXXX. Opened date XX/XX/2018. Original balance {$3700.00}. Balance XXXX Closed. I already tried to fix this issue with Net Credit back in XXXX, when I sent them a request to remove this invalid item from my records. They havent moved a finger. Not even to investigate the account or marke it as disputed. 

This account is related to fraud, and they keep on reporting it. I am demanding Net Credit a deletion letter, and this item to be removed from my report. 

Please send to Net Credit the attached documents. Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to formally express concern on how Zelle handled disputes. Now that the CFPB have brought to light issues with the platform despite reporting problems with transactions my financial institution XXXX XXXX  XXXX XXXX ) failed to properly investigate my complains. They mentioned that was impossible to track the transactions therefore no funds cant be recovered. The CFPB findings highlighted that Zelle failed protecting us and left us vulnerable to scams and repeated offenders. This raised conserns about customer safety and lack of accountability.
Product: Checking or savings account

I accidentally transferred {$15000.00} to a closed citibank checking account ( XXXX ) from my XXXX XXXX. Citibank wont reverse the transfer and won't give me my {$15000.00} back. Please help getting my fund back. Thanks.
Product: Credit card or prepaid card

On XX/XX/2018 I received an email solicitation from Chase with a promotional offer to file my taxes using XXXX XXXX website. In the advertisement it advised me that being a chase customer I was entitled to XXXX $ fed and XXXX $ state filing, all I had to do was click the emedded hyper-link. As I typically used tax act and paid XXXX-XXXX $ to file I decided to take them up on the offer. After the completion of filing I was advised I owed XXXX XXXX {$80.00}, I carefully read the original email to see if there was a promotional code to be entered, however there was not. After spending a great deal of time preparing my filing I decided to pay the fee and then call Chase customer service the next day. When I called chase I spent nearly 40 minutes on the phone only to be told, # 1 I shouldn't be getting the email in question because I am not in their " targeted zone '' # 2 if I wanted to see any reimbursement or resolution I needed to prepare all my documents and manually mail them to an address in XXXX, DE. I then told the customer service rep that I feel my only recourse is to take this occurrence to the CFPB she offered to refund me 6 months of interest in a statement credit as a compromise. As I figured that would take my total out of pocket expense to {$40.00} XXXX  {$50.00} I felt that was fair. Now over 2 weeks later that credit never appeared and that is why I am filing the complaint.
Product: Checking or savings account

Someone opened a account in my name at Umpqua Bank.
Product: Credit reporting or other personal consumer reports

per 15 USC 1666b These account ( s ) are harassing me and holding me in bondage bu breaking 15 USC 1666b. By doing this I have not been able to utilize my credit based on the manipulation of the consumer report. HOLD these companies to the fire and Update the consumer report to show NO LATE PAYMENTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. I submitted a complaint over 30 days ago and have yet to receive a response which is a clear violation of the FCRA. I am filing a complaint with the CFPB because I feel I am not being taken seriously. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
Product: Checking or savings account

To whom this may concern : As defined within the following message my name is XXXX XXXX XXXX XXXX and I am trying to file a complaint about the response that was sent to me by the XXXX personnel ... a correspondence was sent to the U.S. treasury department for there evaluation of the enclosed! 

There is one other issue concerning transactions which have taken place during my account business with the Bank of America ; on or about XX/XX/2015 when I opened my BOA account ( s ) I owned a Savings Account with Bank of America... but for some strange reason my Bank of America Savings Account was abruptly closed by the BOA branch located at, XXXX XXXX XXXX XXXX in the city of XXXX, state of Florida XXXX their telephone numbers are XXXX ( XXXX ) XXXX. 

What I am asking with this complaint is to be refunded for the more than {$800.00} that was in my BOA Savings Account which that BOA branch decided to close without my approval resulting in taking those funds from me... I requested a refund with an associate working in the branch via the address above, her name is XXXX XXXX XXXX XXXX she responded to my requests with her business card, and asked me to contact Customer Service at XXXX XXXX and try and resolve these fraudulent problems with my account. 

Please help, Sincerely, XXXX XXXX XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX, ( XXXX ) Florida XXXX
Product: Credit reporting

I have attempted to obtain my credit report from Experian for a declined credit opportunity due to information presented on my Experian credit report as well I was attempting to get my free annual from Experian. Both attempts were denied. I then went further to get my report by paying for their services and they declined again. I am being unlawfully denied my credit report and their customer service is no help when contacted about the matter.