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

The law firm of Blitt and Gaines [ ( XXXX ) XXXX ] stole money from my XXXX  XXXX XXXX personal checking account without prior legal notification or court order. Unaware how Blitt and Gaines were able to obtain my XXXX  XXXX XXXX personal checking account and routing number information ; however, on XX/XX/year> {$1500.00} was fraudulently withdrawn from my XXXX XXXX  XXXX XXXX checking account. Blitt and Gaines claimed they had signed court order from judge but since I was never notified due to moving from original XXXX XXXX address how was implementation of such judgement order able to commence without my prior legal notification that this fraudulent debit would be withdrawn? That makes no sense. Please advise at earliest convenience.
Product: Credit reporting or other personal consumer reports

Dispute of Fraudulent Closed Accounts Resulting from Identity Theft To Whom it May Concern, I am writing to formally dispute several closed accounts on my credit report that are a result of identity theft. These accounts, listed below, were opened fraudulently and have already been removed from active reporting and collections. However, they remain listed as closed accounts, which is inaccurate and negatively impacts my credit report. 

Listed Below are the Fraudulent AccountsThat are Still Being shown in the Closed Accounts section of my Credit Report 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 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 with a balance of {$840.00} Under the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ), I request that these fraudulent accounts be removed entirely from my credit report, including any reference to closed accounts.

I have provided the following documentation : A copy of my identity theft report ( attached ).

Proof of resolution confirming these accounts were fraudulent ( attached ).

Please investigate this matter and provide written confirmation that these accounts have been removed from my credit report.

Thank you for your prompt attention to this matter. I look forward to your response within the legally mandated 30-day period. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted XXXXXXXX XXXX XXXX XXXX on XX/XX/23 ( on a recorded call ) and advised them never received anything about this debt in which I DO NOT owe. I asked if I could be provided the same letter dated showing proof they sent it to me. They refused to provided that. I also asked for more information in regards to the debt about the store and they could not provide me with that and I need that information to file a report. This company has been illegally trying to collect a debt from me and refused to investigate my claims. Pursuant to 18 usc 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15usc 1b 2. Company has also No permission to report ANYTHING using my info pursuant to 15usc 1681.
Product: Debt collection

I am writing to formally dispute a debt claim made by CREDENCE RECOURSE MANAGEMENT regarding an account with the original creditor XXXX, in the amount of {$600.00}. I believe this debt claim is erroneous and have not been provided with proof of the alleged debt. Under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715,719, I am presuming that no proof of the alleged debt exists, and therefore, the debt itself does not exist. Despite my requests, CREDENCE RECOURSE MANAGEMENT has not supplied sufficient documentation or evidence to substantiate the debt. As such, I am requesting that this matter be investigated and that appropriate actions be taken to ensure that my rights are protected under the Fair Debt Collection Practices Act ( FDCPA ). 
Despite their claim, CREDENCE RECOURSE MANAGEMENT has not fulfilled the requirements to substantiate the alleged debt. Specifically : 1. Lack of Original Contract or Agreement : CREDENCE RECOURSE MANAGEMENT has not provided a copy of the original contract or agreement that I allegedly signed, which would demonstrate my legal obligation to repay the debt. 2. Insufficient Account History : The documentation provided does not include a detailed account history that shows the transactions, charges, fees, and payments applied to the alleged debt. A full itemization is necessary to verify the validity and amount of the debt. 3. Failure to Provide Proof of Assignment : If CREDENCE RECOURSE MANAGEMENT is not the original creditor, they have not provided evidence of a legitimate assignment or transfer of the debt that establishes their legal right to collect it. This includes any documentation that demonstrates a proper chain of title from the original creditor to CREDENCE RECOURSE MANAGEMENT.
Product: Credit reporting or other personal consumer reports

XXXX is reporting XXXX account incorrect. The credit acceptance account is not my account and she be removed asap. The other account which is XXXX XXXX she be reporting charge off. They have already repossessed car and sold it.
Product: Checking or savings account

I have disputed multiple charges on my current account twice both times I lost M I just appealed it yet again and they keep telling me something different every single time. I have filed a police report & I have filed identity theft. And they just keep telling me to wait for email. Which took 90 days both times and on the XXXX day they just tell me I lost. I am so frustrated. This Current Bank account is a scam. Ive read lists of reviews where people are having the same exact issue I am. Someone used my card to book themselves multiple air bnbs totaling almost XXXX $! And they will not give me my money back! I have filed a police report and identity theft. I dont know what else to do. Please help!
Product: Debt collection

I have payed this depth collection agency name ; Nelson Cruz and Associates from XXXX XXXX. I no longer owe this company and would like to have it remove from my collection. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this fraudulent account with this company and they failed to provide the accuracy and completeness of the investigation by validating the 100 % correctness of the account. All is being investigated by the ftc.
Product: Credit reporting, credit repair services, or other personal consumer reports

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his is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : BK OF AMER XXXX Date Opened : XX/XX/ Balance : $ XXXX OpenXXXX BK OF AMER XXXX Date Opened : XX/XX/ Balance : {$8600.00} Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency , including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. These account ( s ) are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally opened an account with moneylion that was paid in full on XX/XX/2021. Payment was processed and confirmed by XXXX XXXX for {$330.00} confirmation number XXXX. The payment was made via bank account ending XXXX. Account reflects zero balance on website yet they refuse to update account with credit bureaus. They are reporting that the account is still open and in charge off status with a balance due of {$330.00}. I want this account either updated to reflect a zero balance dating back to XX/XX/2021 or removed completely. XXXX has several lawsuits and claims already filed against them for incorrectly reporting accounts to the credit bureaus. I have called and emailed several times over the last few months to get this rectified and they have done nothing about it after months of promising to fix it. I have also disputed it with all three major credit bureaus yet XXXX keeps reporting that the account balance is valid. The credit bureaus should be held liable as well since I've submitted proof to them several times which included the payment receipt yet they have not removed it either.
Product: Debt collection

My mother opened a USAA savings and checking account as well as credit card and now the bank has opted to no longer do business with me. Now they say I owe {$680.00} and it's being sent by a debt collector. I know I didn't make any charges or use this money they are asking for.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$5100.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$23000.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Chargeoff- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, CA XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX Late/Open - XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$300000.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$400000.00} XXXXXXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance Owed : {$5100.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX XXXX also known as XXXX XXXX XXXX X/XX/17 to dispute inaccurate infomation on my credit report and they signed for letter X/XX/17 at XXXX XXXX. I have 3 date stamped credit reports on X/XX/17 day 31 from XXXX, XXXX and Experian which shows XXXX XXXX XXXX violated FCRA by not disclosing dispute to credit bureaus in 30 days. I sent them a second letter X/XX/17 that they signed for XXXX XXXX,2017 at XXXX XXXX to advise them they failed to report I disputed account within 30 days and asked that they remove inaccurate information but they have ignored my correspondance and only sent me a copy of a statement, but did not provide reason why they did not mark disputed in 30 days required by law. I have kept record of all copies of letters sent to them and what they have sent to me and will also be filing a complaint with BBB and Attorney Generals Office if  need me. XXXX XXXX XXXX is liable for their willful non compliance as per FCRA 623 ( a ) ( 3 ) - reaponsibilities of furnishers of information to consumer reporting agencies ( 15 U.S.C 1681s-2 ) ( 3 ) duty to provide notice of dispute. ( B ) time of notice ( BI ) The notice required under subparagraph A shall be provided to the consumer prior to or no later than 30 days after furnishing the negative information to a consumer reporting agency described in section 603P. XXXX XXXX XXXX has violated federal law. I have evidence of this therefore XXXX XXXX XXXX must remove item.
Product: Debt collection

Derogatory balance last reported XXXX XXXX, 2020 of {$4900.00} by WILLIAMS ALEXANDER & ASSOC. Reports that the acct. remains open and not settled. Dispute resolved contingent upon goodwill removal of debt from all 3 credit agencies ; Settlement ( {$3800.00} ) negotiated and paid to original creditor XXXX XXXX XXXX XXXX XXXX. This has caused an enormous hardship in the wake of the COVID 19 and current unemployment status.
Product: Debt collection

On XX/XX/XXXX I received a letter from Ability Recovery Services LLC, stating that I own XXXX to XXXX XXXX, I called them about this account for more details because I do not recognize this account and I do not own XXXX XXXX  anything, I asked them to provide me the debt validation claim, they did not provide with debt validation claim, all they provided me is student transaction report, which I do not recognize, I see on the student report dates, that date I was not in XXXX. on XX/XX/year>, I called them about more details on this account but they hung up the phone on me, I called multiple times but they refuse to answer my calls.
Product: Money transfer, virtual currency, or money service

From my Wells Fargo online account, in the morning of XXXX XXXX, XXXX unauthorized bill pays ( XX/XX/2024 : {$3100.00} and XX/XX/2024 : {$700.00} ) were made. I went to local branch and filed a claim ( XXXX ). On XX/XX/2024, 10 business days later, while chatting online about refund, they said they can not refund because they thought I myself made online banking session. I did not. Only I do online on my desktop computer in my room. More than 20 years, I have never made bill pay arrangement to anybody. Only I have done by auto pays after arrangement with companies. Above XXXX bill pays went to XXXX XXXX XXXX XXXX account owned by XXXX XXXX with no XXXX according to proof of payment on my online account. 
Please help me get this money back ( total {$3800.00} ). Wells Fargo can ask a reverse payment to XXXX XXXX and refund me. I do not know XXXX XXXXXXXX XXXX XXXX XXXX  customer.
Product: Mortgage

I made arrangements with a Chase representative for my account due date to be changed to a later date to make sure my account will always be in good standing with my new bill-pay at my new bank. This arrangement reassured my payments not be late. Chase claims they have no record of the agreement. I understood my account was in good standing until I received a letter with XXXX late fees assessed, months after my bankruptcy discharge. Apparently, as I discovered over the phone, their department which handles the sending of delinquent notices did n't have on record that I had been discharged. I was allowed to remove XXXX of them although XXXX {$100.00} charge is still standing. I have always made my payments on time and worked to make sure the account was in good standing but have not had an easy, fair response back from Chase regarding this mix-up. It is not fair that I am penalized for the lack of communication on their end.
Product: Debt collection

Debt collector tried contacting endlessly and I asked for information. But never received it through mail
Product: Checking or savings account

On XX/XX/XXXX around XXXX XXXX, I sent two of my contractors payments using Chase 's Quick Pay  feature. I received two emails within 15 minutes stating that the funds were pending. I checked my account and the money was taken out for one of my contractors. I called the bank to find out that there was internal issues with their online banking systems. I asked if the funds would be available by the end of the day. At first the person told me that it would be fixed within an hour or two. Later she told me that it would be fixed by the end of the day, but most likely within the hour or two. Around XXXX XXXX I called back and was given the same information. At XXXX XXXX I received two emails. One stated that the contractor which the funds already had been taken out failed, but the other contractor was funded. I checked my account and the funds for the contractor that had been taken out previously were not back in my account. I called Chase to see how to get those funds added back in so that I could pay my contractor. The first person I talked to could n't help me and transferred me to someone else. The second person tried to explain that the funds would be available the next day. I explained that I needed to pay my contractor and that the funds were available that morning. They transferred me to another person. This next person explained the same thing, that they could n't help me and that I would have to speak to the claims department, but that they would be able to replace my money. The person from claims told me that they were the wrong department and transferred me back the the first department that I talked to. At this point I was on the phone for almost 3 and a half hours. The next lady that I spoke to told me that I was in the wrong department and told me that she would transfer me to claim, which is literally the department that I just spoke to. She told me that my wait time would be 45 minutes. I explained that this was outrageous and that I needed to speak to a supervisor. This person immediately transferred me to online support. And finally this lady explained that there was no possible way to get my money. If I do n't have funds available they charge me overdraft fees, but when they mismanage my money there is nothing that I can do about it!!!!! I feel as if they stole my money and told me that I had to wait until they were done with it. I explained that if this contractor decides to no longer do business with my company, due to not being paid on time, I would lose thousands of dollars. Luckily, I think that I have saved the situation with him, but my issue is this, how is it possible for a bank to lose my money and have no consequences. I had the funds that morning and they mismanaged my account. Additionally, the other contractor did n't receive his money until today. Typically the funds are approved and transferred the same day.
Product: Debt collection

On XX/XX/2018 I received letter about a debt that Halsted Financial Services claimed I owed. On XX/XX/2018 I called them and asked if they could show me proof and validate the debt. They said they could email it. I gave them my email address and they sent me the same letter that they sent via USPS assuming I would believe that's proof. I said that I need something from the original collector which is a hospital in this case. They then cut me off and tried to change the subject asking how I was going to pay. They transferred me multiple times before putting me on hold and hanging up on me after about 20 mins of hold time. I call back and get transferred to a supervisor. I ask them how they can legally collect a debt they have no documentation on and eventually she hangs up on me as well. After these conversations I received 3 back to back calls from numbers in various cities in Florida where I live, 2 within a minute at XXXX and another at XXXX. I have been getting these calls for days and have ignored them because they are unknown numbers. Since I got 3 I decided to call one back inly to find it was XXXX XXXX all along. So not only are they calling me every day sometimes at odd hours, they are also calling back to back to be rude. All I asked for was proof that this debt is real. I have heard many things about these companies trying to collect debts that are not real. All I want is proof. Attached are phone records of the 3 back to back calls and the email they sent which supposedly " is validation of debt '' that has no documentation of original debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion : XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX Balance {$730.00} ; XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Balance {$910.00} ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.