23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

this is a situation started with a huge fraud issue - the fraudulent activity was my bank account got hijacked- they went in and and disputed 4 car payments - XXXX XXXX will put money onto your account while they research the dispute- they then went and did 3 charges to negate the money that was credited to my account- which netted at almost XXXX - hence why i did not notice a change in my balance. How i found out - was when my car finance company called my - threatening to repossess my car- I then called my bank and found out the issue- I immediately disputed EVERYTHING - XXXX XXXX  then created a reverse dispute- I called the finance company bank letting them know the situation - they said call back when I hear more from the bank - well every subsequent day for 3 days they were calling and threatening me all sorts of ways- not caring that this was fraud - the last day they called- they were on the way to repossess my car - would not listen that they will get the money - and I was to surrender my car- I had to beg plead and basically sell my soul to get the money to save my car {$1500.00} - in the meantime XXXX XXXX has reversed the charge backs and the money has been sent back to their XXXX XXXX account- i have called, sent an email to forward to their accounting department as they are telling me accounting does not talk to customers - this was in XXXX - we are now mid XXXX - and still calling me for payment - no one has contacted me about either crediting my account or giving me a refund - the email I sent to them clearly had the XXXX # 's amounts - dates for the money coming back to them - I do know that I can not just eat {$1500.00} due to they do not want to research - let me talk to accounting - or even make an effort to rectify this situation- i did file a police report as well - still awaiting a call back- please help
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The XXXX credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested over 10 times since XXXX for XXXX, XXXX, and Equifax to remove this account that i have also directly requested to be removed from the credit directly. XXXX XXXX XXXX XXXX I am writing to bring to your immediate attention a serious issue regarding unauthorized charges on my credit report that have persisted since XXXX. Despite my numerous efforts to resolve this matter, it remains unresolved, and my credit continues to be adversely affected and my life financially harmed. Please see attached police report In XXXX, I received a credit report indicating unauthorized charges. I promptly contacted the company to dispute these charges, providing them with a police report to support my claim of identity theft. 

However, the company erroneously asserted that the charges belonged to me, despite the clear evidence I presented. It is now XXXX, and these unauthorized charges are still being reported on my credit. My repeated requests to have this erroneous information removed have been ignored. This practice is illegal, as is the continued reporting of this debt, particularly when I have furnished proof of identity theft to both the credit bureaus and the bank involved. This debt is unverified, does not follow the requirements and is a violation of 15 U.S.Code 1692g. Please see attached credit report According to the ruling in XXXX v. XXXX XXXX XXXX XXXX, if no proof of the alleged debt is provided, then no debt exists. 

To date, I have never received any documentation substantiating the claim that I owe this debt. Moreover, the statute of limitations has long since expired. The continuous reporting of this false debt not only violates my consumer rights to privacy but also constitutes false misrepresentation, mail fraud, and identity theft. 

The financial harm caused by this situation has been ongoing for almost 7 years, severely impacting my life. 15 U.S.Code 1692a ( 6 ) states XXXX XXXX XXXX XXXX and subsequent buyers are all debt collectors by law. They are not registered in my state of Georgia. XXXX5 U.S.Code 1692c ( b ) law. However the debt collector, XXXX XXXX XXXX XXXX and the subsequent debt collectors have communicated with the all caps name principal obligor, XXXX XXXX XXXX and has always referred to my principal obligor and not myself the agent, natural person and consumer in fact. This is a violation of 15 U.S.Code 1692c ( b ). I also did a certified search for any debts owed by me to others in the state of GA and there are none. Please see attached ucc lien search. How does one owe with a debt collector who is not registered and also has not filed a lien since the alleged debt was owed. Where are they getting their debt validated from? 

Attached is my original dispute. Its still reporting after being deleted years ago. This is a metro 2 compliance violation. 15usc 1692j is violated as well.
Product: Credit reporting or other personal consumer reports

I just tok a look at my equifax credit report and I see an inquiry that was not initiated or authorized by me. I take my credit very serious and need equifax to remove this inquiry. I am certifying that this was not me.
Product: Credit reporting or other personal consumer reports

XXXX said that XXXX XXXX XXXX XXXX, account was updated and verified. But who is furnishing my account please give me a detailed description of who gave the credit bureaus this information. And how was this account verified? Whats the name and address of the person who's furnishing this account? 
According to the Fair Credit Reporting Act 15 U.S. Code 1681i- ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. Please send me the form to my address on file ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. The credit bureaus failed to correct my credit report which is hurting me and destroying my way of living. 

( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. 
I have not received any notice in the mail from XXXX XXXX XXXX informing of the dispute or any description of the nature of the dispute. 

( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Please send notice to mailing address on file
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account identity theft XXXX co drs Open XX/XX/18 Amount XXXX
Product: Mortgage

Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu. 
XXXX sent me a letter requesting for authorization from Suntrust. 
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them.
Product: Credit reporting or other personal consumer reports

I have reached out to avant serval times about this account. Account was charged off and sold to third party collectors. I ask avant to remove all late payments and correct my credit information because account was sold without my prior knowledge to third party vendors
Product: Checking or savings account

On the XXXX XXXX XXXX XXXX i called about Marcus by Goldman Sachs and requested my account should be closed, and my remaining balance of $ XXXX be sent to me, but till this very day and after more than 7 calls from me to them on different days. They keep on telling me the same thing every time, that the account is under review and i should call back in 3 days which i always did and they keep telling me the same thing.
Product: Debt collection

Hi, I recently received notification that my credit score dropped by XXXX points, from XXXX to XXXX, due to a derogatory mark associated with a {$360.00} collection from your company. This has come as a shock, as I have always paid my bills on time and maintained a high credit score for years. 

Upon further investigation through XXXX, I found that the debt in question originates from XXXX XXXX XXXX I contacted XXXX, and their agent confirmed that the account in question is under XXXX XXXX XXXX, associated with the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX The billing name, email, and payment information all belong to him, not me. I believe this is a clear case of human error. Just to make it clear, I am not a U.S. citizen, and when I left the U.S. in XX/XX/year>, I explicitly requested to close the account. The agent spoke with XXXX XXXX and transferred the account, but all bills, credit card payments, and emails were still under his name, not mine. 

You can verify this information by speaking with XXXX  directly. The agent I spoke with confirmed that the email and billing details are under XXXX XXXX ' name, and you may contact him for further information at ( XXXX ) XXXX. 

I recently returned to the U.S. after living abroad for four years and have been back for just over a year. This unexpected and inaccurate collection is causing me significant distress, and I kindly request your immediate assistance in resolving this matter. 

Please contact me via email at XXXX or by phone at ( XXXX ) XXXX. I currently reside in New Jersey and can provide additional documentation if needed. 

Thank you for your attention to this matter. 

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

Lexisnexis reported incorrect information to my Insurance company which increased my premiums
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, APPLE CARD/GS BANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX and XXXX.
Product: Checking or savings account

Received a Wells Fargo statement for an account I never opened. Received by mail on XX/XX/2023. Statement shows beginning balance on XX/XX/2023 for {$190.00}. Ending balance on XX/XX/2023 of {$180.00} after a {$10.00} fee was charged for balance below {$500.00}, per Wells Fargo checking policy. Account has been flagged for fraud per my request. I think I may be a victim of synthetic identity fraud, as some of the information listed on the account did not match my personal information.
Product: Student loan

They are contacting and giving my information out to people that are not even related to me or relevant to the situation it is an invasion of privacy and humiliating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for Chapter 13 in XX/XX/XXXX. I am trying to buy a home & I have discovered that Atlas Credit Company is reporting my account as charged off instead of Chapter 13. When I tried to dispute this in XX/XX/XXXX, I was told that Per Atlas, the reporting is correct. I have reached out via email to corporate but I have not had a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair reporting act XXXX account XXXX, XXXX, XXXX has violated my right.

15 U.S.C1681 Section 604 Section 2 it also States a consumer reporting agency can not furnish and account without my written instructions.

15 U.S.C1681 Section 602 A States i have a right to privacy.
Product: Checking or savings account

Santander froze ALL of my accounts after I deposited a check from a business made out to me. This company has made multiple payments to me but XXXX of which were bounced for unknown reason. Santander said since the company bounced XXXX checks my account is now frozen and under investigation. I was asked about my job and what it entailed so the next morning I went to the branch and provided my job contract as well as detailed billing to this company. It has been over 2 weeks and I am getting no where with the fraud department and can get no timeline as how long this will take. I have repeatedly called and asked what else they need and get nothing but rude phone operators saying call back next week. This is unacceptable to freeze all accounts for this long. All my automatic bill payments are coming back unpaid and soon this will effect my credit.
Product: Debt collection

I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 2 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Checking or savings account

On Tuesday XX/XX/21 at XXXX XXXX  I received a balance alert for my Wells Fargo checking account. I looked at my account and saw that my debit card had a fraudulent charge of {$100.00} paid to XXXX XXXX. I immediately reported the fraudulent charge and cancelled my debit card. While waiting for my claim to be investigated I chose to move my money into my personal savings account for security. 
On XX/XX/21 I went to the drive through at the Wells Fargo in XXXX WA, XXXX to withdraw cash from my savings account using my state issued Driver License. After waiting several minutes the teller informed me that she had given my ID to someone in another vehicle by mistake. I immediately went into the lobby to speak to the branch Manager. The Manager, XXXX, did not seem too concerned that her employee had given my personal identification to an unidentified person. 
I find this to be a gross breach of security at an institution that is supposed to protect finances and identity. 
I am currently still waiting for my fraudulent debit charge to be refunded and then will completely close my accounts with Wells Fargo.
Product: Student loan

I have a student loan account with Wells Fargo Bank that I am beginning to repay. Upon inquiring with Wells Fargo Student Loan Customer Service about automatic payments, I was told they would email me the forms for automatic payments and I could fax them to Wells Fargo. I completed the forms after they were emailed to me and signed them electronically. I then faxed the completed forms to the fax number provided by Wells Fargo Customer Service on XX/XX/2020. 

On or about XX/XX/2020, I received a letter from Wells Fargo Bank dated XX/XX/2020 stating that they would not accept my automatic payment forms as they were electronically signed and Wells Fargo requires my original wet ink signature. Nowhere on the forms or the instructions for said forms did it say that I was not allowed to sign these forms electronically. I called Wells Fargo Bank Customer Service the same day and asked if this was true, I was told yes. I then asked to speak to someone in their legal department as nowhere on their forms did it indicate that I was required to provide an original signature. I was assigned a case number and told I would receive a call within ten ( 10 ) business days. 

I was contacted XX/XX/2020 and informed that although the forms do not say that I can not sign electronically, they will only accept an original wet ink signature. I was also informed that these forms could not be faxed, even though the first representative I spoke to said that I could. It also does not say on the forms that you are unable to fax the automatic payment forms either. I informed the representative that it was absolutely appalling that none of this was disclosed on these forms, to which I was told that I was absolutely correct and this information should be on those forms. I was then told that this information would be forwarded to their legal department. 

If Wells Fargo Bank does not accept electronic signatures on their documents, then it should be clearly specified on their forms. I was allowed to apply/sign for all of my loans electronically and sign them electronically so I assumed that I would be able to do the same thing with the automatic payments. I find it completely unacceptable that this information is not properly or appropriately disclosed to consumers and Wells Fargo Bank should make any and all effort to resolve the situation immediately.
Product: Money transfer, virtual currency, or money service

I used SQUAREUP as XXXX for my small coffee business. Used them since XX/XX/year>. We have NOT had any issues, any returns, any fraudulent activity. In XXXX, we were preparing for an event ( the week of ) and found an email from SQUAREUP saying they deactivated my account. I called immediately, and spoke to XXXX different people who said they can see my account was deactivated, but couldn't tell me why. It felt like I was a criminal ( they way they spoke with me ). Meanwhile, I have almost {$300.00} of earned money from our previous coffee vending event, that they won't transfer to my checking accounts on file, or they won't let me manually push the transfer through.
Product: Debt collection

COLLECTIONS ADDED TO ALL THREE COLLECTIONS BUREAUS-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX AND IT IS PAID. PLEASE REMOVE FROM ALL THREE BUREAUS. 
1. TRANSUNION 2. XXXX 3. XXXX
Product: Credit card or prepaid card

I have already went to the company to resolve the discrimination i am facing with this company. They have made an erroneous credit decision based off of melicious intent. With a perfect history across several accounts in no way shape or form should have have had my credit lines reduced. This will adversely affect but credit sending both lines up to a 90 % usage. Also, there is no evidence of higher risk by simply using a car that was moderately used to dormant over years. The email I send to the CEO of the company is below. 


First email no response. 


Good afternoon XXXX CEO of PNC Bank, It is my intention to engage with your company regarding my PNC relationship. I have been a customer with you for over 2 decades. I have paid off 3 Vehicle loans. I have 3 banking accounts. Also, have maintained 2 credit cards in good standing with no payments late over the last two years. I have a PNC Points credit card & a PNC Cash builder credit card. Both have been open and paid in good standings for 6 years and 9 years. 

I was saddened to discover after doing a balance transfer after my card was daily dormant for a time. I found that both of my credit lines were reduced creating a 90 % usage. The both were {$20000.00} separately and {$40000.00} combined reduce to {$5000.00}. I made a complaint and received a call from XXXX who was not equip to answer my questions or work through the escalations process. She was combative and obstructive to the process of seeking to understand what has happened. Asking did you read the letter in the mail is cold and simply beneath the standards that PNC has set in past interactions. 

I understand there are many factors you consider when making decision. My intention is to get you all to reconsider without doing a hard pull as offered by XXXX because a hard pull was not necessary to make the decision. She treated me as if you no longer wanted my business and I am saddened that the banking relationship has soured in the manner. She over talked me and my experience is that she wanted to defend a pore decision at all cost. I intend to take whatever action is necessary to be treated fairly under the FCRA and also I would prefer to avoid contacting the CFPB and the OCC to look into this matter. I feel discriminated against and harmed by the decisions made in such a knee jerk way. Also the obstruction in finding a solution to my concern is operant. 

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

Purchased XXXX XXXX XXXX XXXX XXXX from XXXX, XXXX CA XXXX XXXX. Purchase financed through XXXX XXXX, XXXX. I have been battling with XXXX over title documents. The dealership has failed to provide necessary title documents to transfer title and lein holder. In XX/XX/XXXX XXXX sold loan back to XXXX. I never missed a payment, or been late. XXXX has reported this account as derogatory. The account is closed paid as agreed. The transfer of this loan has nothing to do with me or my standing under the contract. I have disputed 3 times with XXXX and twice with Trans Union. The payment schedule in my report remains inaccurate as well as remarks and account status. I am on the verge of financial ruin due to XXXX false reporting.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Equifax, XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I do not have a contract with this debt company. they have the option to stop communication with me and pay the {$1500.00} for the FDCPA violations or go to arbitration or court.