23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I keep receiving phone calls at my place of work from this company called Account XXXX. That have interrupted my job and other duties at work. I do n't know who this company is or what debt they may be trying to claim that I have with their company. They called from this number XXXX and left a contact name of a XXXX XXXX, a woman left this name on the voice-mail message, but then left this number XXXX to make a return call. This is harassment I would like something done about this. Thank you!
Product: Checking or savings account

On XX/XX/XXXX I contacted Well 's Fargo ( my then bank ), and advised them that there was a fraudulent charge on my account that came through on my debit card in the amount of {$2400.00} From a company called XXXX XXXX I advised Well 's Fargo that I already contacted them and was told I had to contact my financial institution. I filed a fraud claim in which they shut down my card and gave me a temp credit for the charged amount. on XX/XX/XXXX, I missed a call from Wells Fargo and returned the call. At that time I was notified that the completed an investigation and determined that the charge was valid. I asked how did they make that determination? I was told based off the evidence sent over from the merchant XXXX XXXX XXXX. I then said well since I did not make this charge, what was the evidence and I would like a copy of the " evidence '' that was submitted. I was then told that they could not send me a copy of the evidence due to " security reason ''. I explained how that made no sense and I did not understand that as it is a fraud claim on MY account and they are saying it is valid. So I should be able to see the evidence they are claiming that proves I did a transaction that I did not do. She apologized and stated that credit would be reversed by the end of that month ( XXXX ). They did this on XX/XX/XXXX which placed my account in the negative for an amount of - {$2500.00}. After this they closed my account ending in XXXX on XX/XX/XXXX with a final balance of - {$880.00}. There was a credit that was placed on my account in the amount of {$1600.00} from XXXX XXXX XXXX. They then advised me that the account and the balance will be placed with XXXX XXXX. 

I have a serious problem and several complaints with this entire ordeal. Well 's Fargo with their deceptive and unscrupulous business practices per usual are at play here. First I want this matter investigated to find out why so may inconsistences with the final amount of my account. I also would still like to see the supposed evidence that they have that proves the charge was valid. I then would like to know if the charge was valid, why would they credit my account again in the amount of {$1600.00}. I also need to know the justification of closing my account and charging me a balance along with reporting to XXXX XXXX.
Product: Checking or savings account

wells fargo im not able to open any account i guess it saying fraud but i have never did anything with fraud
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX. There are two fraudulent personal loans appearing on my credit report as a result of identity theft committed by my father who has the same name as me with a different middle initial. The first loan is from NetCredit for {$2200.00} taken out on XX/XX/XXXX. The second is from XXXX for {$500.00} taken out in early XXXX. I filed the initial identity theft police report to XXXX, XX/XX/XXXXt on XX/XX/XXXX. I filed an amended police report to XXXX XXXX on XX/XX/XXXX to reflect the correct amounts stolen as well as the bank account and routing number information associated with the loans. 

XXXX and XXXX, as well as one of the original creditors XX/XX/XXXX have refused to remove the accounts from my credit report despite me sending each of them a valid identity theft police report as well as supporting evidence to substantiate my claim of identity theft. My evidence includes text messages where my father directly admits the accounts are solely his. In these texts he tells several lies that he's not sure why the accounts are appearing in my credit report because the companies confirmed his SSN was used for the accounts. This was proven to be a lie as the companies have confirmed multiple times that my SSN was used to open the accounts. 

The credit bureaus andXX/XX/XXXX are refusing to remove the accounts from my credit report because the loans were deposited into my bank account. However I have sent them bank statements showing the immediate transfer of these funds out of my bank account once received. My father has always had access to my bank account and routing numbers as well as personal information, as he does my taxes. I have explained this to the credit bureaus and XX/XX/XXXX and provided them with bank statements showing the transfer of funds, yet they are still refusing to remove this account from my report. They do not seem to grasp that fraudulent loans can often be deposited into the victim 's own account as a way for the fraudster to cover their tracks. This act of deception is especially more plausible in my case since my father had access to all of my information ( as most fathers do ) and lived in the same home with me during the time of these thefts. 

The identity theft case is still under investigation by XXXX XXXX and evidence is being reviewed by Lt. XXXX XXXX and Detective XXXX XXXX. Unfortunately this case is very low priority for XXXX XXXX as they deal with a lot of violent crime, so they are taking very long to close the case. Moreover, they lack experience handling fraud cases and have had trouble understanding the evidence I submitted to them. Therefore, any communication between the credit companies and the police may have been fruitless. 

The XX/XX/XXXXaccount in particular is causing damage to my credit score due to late payments and fees accrued by my father. It is extremely important that these accounts are removed from my credit report so that my credit can be repaired.
Product: Debt collection

Senex Services Corp. has merged mine and my husband accounts. They transferred my husbands bills into my name. I have made several attempts for this to be corrected. I have XXXX accounts with them that I had a payment plan setup. They have cancelled my payment plan an refuse to take my payments or set it back up. The also refuse to unmerge mine and my husband accounts. Which in Ohio I am only responsible if ". Ohio has established clear liability for the medical debts of a debtor spouse when the debtor spouse is unable to pay the debt, to the extent that the other spouse is able. '' My husband is able to pay his own debt. We have separate accounts with both work. I told Senex my husband will be filing bankruptcy and I was told they would still sue me and come after me. They have refused to speak to me hung up on me and falsely released this to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided all the information necessary to place a security freeze on my account. They state I did not supply information necessary to confirm my identity. I provided a copy of DL and utility bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all the Credit Bureaus/Agencies XXXX XXXX TransUnion XXXX and the creditor  XXXX XXXX XXXX XXXX XXXX involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.
Product: Debt collection

This company is attempting to collect on a debt that became a judgement on  XXXX / XXXX / 2008 .   I n NYS, the statute of limitations is 10 years ; and up to 20 years ( see attached ), however ; the debt collector must re-file the judgement a year prior to the expiration of the 10 years ( see attached ) This company is illegally attempting to collect on a debt and judgement without the proper protocol and is illegal in NYS.
Product: Debt collection

Hunter Warfield is reporting I owe them amounts related to two apartment complexes. This is false. I worked through a Corporate employer program to apply last summer at communities with a Preferred Employer corporate program for XXXX XXXX XXXX XXXX employees in XXXX, TX. The preferred employer program waived all application fees. 
In each instance the application was denied. However, they are trying to collect and Administrative fee with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX P : ( XXXX ) XXXX | F : ( XXXX ) XXXX | rentatrosehill.com which was to be credited back in the event of denial. XXXX XXXX issued a Denial on XX/XX/2019 with email from leasing staff XXXX XXXX. 
I never leased at these communities or vacated leases. I have never resided and any amounts attempting to be collected are not mine and not owed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX can not charge for a deposit and admin fee when they denied application on XX/XX/2019 and refused to lease to me. They were supposed to credit back application fee for preferred employer. 
Hunter Warfield is in direct violation of the FCPA guidelines as they are reporting this to all major credit bureaus in direct violation of FCPA.
Product: Debt collection

I am in receipt of a letter from Sequium Assets, XXXX XXXX XXXX, # XXXX, XXXX, Ga XXXX stating that I owe {$8.00} to XXXX. Please note, XXXX has sent no bills to me regarding this. I signed up for their service and cancelled within their no penalty cancellation policy after a few days. My credit card was never charged and XXXX has had full access to it. Not a valid debt and no evidence or supporting documents have been provided. Their number is XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

The company " XXXX XXXX '' shows a first reported late date of XXXX. The vehicle had been repossessed and was in the possession of the creditor prior to this day. I have repeatedly disputed this with the credit bureau and creditor, as I want to ensure this is removed in a timely fashion when the seven year period of allowed reporting has elapsed in XXXX XXXX want the record either corrected to show first major delinquency of XXXX or removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

BB & T Account Number XXXX was charged off and I received a Form 1099-C for {$14000.00} ( copy attached ) for Calendar Year XXXX and then the Amount Past Due was {$0.00}. However, beginning in calendar year XXXX, BB & T is reporting the Amount Past Due as {$15000.00}. BB & T can not show cancellation of debt income in XXXX for the entire balance owed and an amount past due in XXXX, because I have already been taxed on the cancellation of debt.
Product: Vehicle loan or lease

At least 4 times in the last year. Toyota Financial Services has misapplied payments to one of the two vehicle we ( XXXX XXXX XXXXXXXX XXXX ) lease from them. Checks are sent every two weeks or so and the paystub clearly identifies the model and account number. Once misapplied, the billing system then adds fraudulent late fees. Then the phone calls start, and my CFO looks at me, and I say, its TFS misapplying payments, again... 
I used to think their AR dept. was just incompetent, but now since the problem repeats every couple of months it's likely that TFS just views this as a feature not a bug of its operations. Few people will be as tenacious in following up. If TFS can get people to pay bogus charges, they profit. 
XXXX XXXX is a personal hero of mine. Thank XXXX and her for this government agency! Please do what you can. Its nice to know that citizens are not completely powerless to abusive corporations.
Product: Checking or savings account

PayPal debited my account for unauthorized charges. I do not own a PayPal account or authorize any charges. The account created is a fraudulent account.
Product: Credit reporting or other personal consumer reports

please remove from my credit file - I did not provide my info to have my credit run. They ilegally sold my name and social to other companieXXXX 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 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 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 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 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
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report 6 separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a An personal loan opened at XXXX XXXX  on XX/XX/year> under the account number ( XXXX ) these several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 and personal loan account opened at XXXX XXXX  opened on XX/XX/year> under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts 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 XXXX  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 myconsumer 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 andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

To whom it may concern.

I trust this message finds you well. My name is XXXX XXXX, a dedicated PayPal user with an unblemished track record in adherence to the Acceptable Use Policy.

Regrettably, I recently received an alarming notification through the " You can no longer do business with PayPal '' email. In light of this, I am reaching out, guided by legal counsel, to bring to your attention the potential error in this policy enforcement and to request the immediate restoration of my account to its full functionality. 

My primary use of PayPal revolves around legitimate transactions related to my XXXX XXXX XXXX XXXX. Additionally, my PayPal account is duly authenticated and linked to the XXXX website, where I derive income from my XXXX XXXX. A thorough examination of my transaction history will affirm the authenticity and conformity of my account activities, with no association to XXXX  content or any violation of the XXXX. 
Perplexingly, I am at a loss as to what may have triggered this suspension, a sentiment echoed by numerous users on XXXXPayPal who have experienced similar unwarranted account restrictions in recent days. The collective concern is not only about the potential harm to individual users but also the broader impact on public trust in PayPal as a reliable service. Should these grievances find their way to regulatory bodies, it could pose a reputational risk for PayPal. 
To facilitate a comprehensive review of my case, I have attached the link to my profile on XXXX, along with pertinent details of my account. I kindly request that you escalate this matter to the appropriate internal department responsible for handling PayPal account issues. Human intervention is crucial at this juncture, as automated responses have thus far been unable to provide satisfactory resolution, that's why I'm refering to this email address, I've been days chatting to bots, I have {$330.00} that I cant no withdraw. 
I eagerly anticipate your prompt attention to this matter and a favorable reconsideration of the imposed account limitation. Your assistance in rectifying this situation is invaluable, and I look forward to hearing back from you at your earliest convenience. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1666 - Correction of billing errors ( B ) Billing error For the purpose of this section, A a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX COMENITY BANK/XXXX  XXXX INFORMED ON MY CREDIT REPORT THAT MY ACCOUNT WAS CLOSED FOR 60 DAY NONPAYMENT XX/XX/XXXX I CLOSED THIS ACCOUNT MYSELF. PAID IN FULL. XXXX BASED XXXX XXXX NO LONGER CONDUCTING ONLINE MERH AND TO DESTROY CREDIT CARD. I DID AND RID ALL PAPERWORK. 

ONLINE RESEARCH SHOWS COMENITY BANK PULLING DELETERIOUS ACTIONS ON CREDIT USERS FOR HUNDREDS OF ONLINE MERCH AND RUINING AND ATTEMPTING TO RUIIN PEOPLES CREDIT. 

ALL I GET CLOSE TO IS A REPETITION COMPUTER THRU A SITE CALLED RESOLVER. I CAN NOT GET IN TOUCH WITH XXXX XXXX AS THEY ARE DEFUNCT. I CAN NOT GET IN TOUCH WITH COMENITY BANK/XXXX XXXX BECAUSE THOSE BOOKS ARE CLOSED. SO HOW COULD I HAVE POSSIBLY BEEN GUILTY OF 60 DAY NON PAYMENT 3 YEARS AFTER THEY ALLL FOLDED?
Product: Checking or savings account

On XX/XX/XXXX I deposited a check in the amount of {XXXX  into my Bank of America account from a business in New Jersey. The bank held the funds until the next business day which was XX/XX/XXXX. The funds became available and were deposited into my account on XX/XX/XXXX. That morning XX/XX/XXXX I went to the bank and sent transfer in the amount of XXXX to an individual for services performed on my behalf into their also BOA account. I also made a wire transfer in the amount of XXXX to a XXXX XXXX account for services performed also on my behalf. On this date, XXXX I find that my account has been overdrawn by more than XXXX which included the transfer, the wire and a couple of personal payments in addition to the wire fee for the amount that was wired. The original deposit check in the amount of was at that point put on hold only after I made transfer and the wire. I called the bank to inquire about the issue and I was told that there was a problem with the original deposit check. I called the company that sent the check and I find out it was a fraudulent check and that the company is doing an internal investigation because over XXXX people called the company about a similar issue. They apologized but apparently someone got a hold of one of their blank checks to reproduce. When I went to the bank to relay this information, they told me that it was basically my tough luck that I spent the money from my account. I asked them why the check was not put on hold for several days pending the availablilty of the funds and their reply was that because I had a good relationship with the bank so they went ahead and released the funds not even knowing if the funds were going to clear on the other end. Bottom line, they said I am out of luck because they can not recover the funds from the fraudulent check and that I am now responsible for the now considered debt of of XXXX. My argument that the check as it was a large amount should have been on hold for several business days before I was allowed access to the funds. The bank insisted that I should have waited several days before withdrawing the funds for any purpose. They have froze my account. I am losing my funds from my paychecks and no longer have any availability for the funds that are going to be deposited through payroll. And they also informed me that because it is too late to stop my payroll from entering my account that it was too bad and that they will use my payroll against the overdrawn balance. I have no access to funds now and can't even open another bank account elsewhere until I borrow some cash to go an open another account and have everything transfer into the new account. I walked away in tears. They also informed me that at some point in time they can garnish all my wages from payroll and my social security to pay off the debt.