23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The amount in dispute was returned by XXXX, but XXXX XXXX for some reason is charging me the amount. Ive talked with XXXX and tried to talk with XXXX but they ( XXXX ) would not talk with XXXX  reps about the issue. Said I had to put in a police report for fraud agents XXXX  because they do not see the amount being returned. XXXX  has provided/showed me the invoice of the returned amount, see attached pics. XXXX fraud department ( ticket # XXXX ) is looking into this issue, they believe this XXXX bank is acting fraudulently and/or is embezzling this money. 

Ive asked XXXX to remove these lies again, but they just laughed at me and asked if I was recording the call. They have removed my access to their system so I can not gather additional information. I have everything from XXXX showing the amount being returned. And XXXX can/will verify. 

All XXXX ( the frauds ) have to do is call XXXX. But they dont wont to, they just want to destroy my credit score/ report. They can say whatever they want and I get, well you know XXXX on my credit score for no reason. All that work for nothing, just so XXXX  XXXX sub company can.me. 

How I found out about this issue. This account is closed, before they reported to XXXXcredit bureau How I was alerted to this incident/fraud TransUnion refusing to take dispute : Ive attempted several times with there system, noting.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2019 my husband was sent an invoice for {$200.00} to pay through the " XXXX  '' app through our Chase bank account. This invoice was sent to purchase basketball tickets. My husband was under the impression that by using our Chase banking account we were protected against fraud. Chase promotes the XXXX app on their website as a means to send and receive funds as a chase account holder. We thought we were safe and protected as Chase states they do for their customers. However, once we paid the {$200.00} invoice the invoice sender never sent the basketball tickets. Figuring out we have been scammed we immediately called Chase to stop the payment and get our funds back. We were told by Chase that they do not offer any fraud protection for XXXX app and that we needed to call XXXX. So we called XXXX and XXXX explained to us that since the transaction was done through our Chase bank they can not help us, both Chase and XXXX informed us that we should file a police report about the fraud but neither companies were able to provide us any information about the person who received the money. Chase and XXXX went back and forth blaming each other for the fraud ( on a 3 way phone conversation with myself ) neither company is willing to help us get our money back. As a preferred member of Chase I was expected to be protected by my banking institution. Chase should not promote an app to its customer like XXXX and not protect its customers from fraud. I have ask both Chase and XXXX to cancel the transaction and return my {$200.00} but they have declined.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft. The information listed below which appears on my credit report doesnt relate to any transactions that i have made. The following items are fraudulent 1. XXXXXXXX XXXX XXXX Acct # XXXX {$350.00} 2. XXXX XXXX Acct # XXXX {$1500.00} 3. XXXX XXXX XXXX XXXX Acct # XXXX {$1800.00} Ive sent multiple request to both XXXX & Experian they both continue to ignore me and refuse to do a proper investigation. Please see attached FTC report
Product: Debt collection

On XX/XX/XXXX. I started receiving calls from multiple relatives informing me that this company ( identified to me as XXXX, to others as XXXX XXXX ) was contacting them regarding a claim that was being filed against me. I then received a call from my father, who informed me that a woman wanted to talk with me and that they were " filing papers '' for a suit against me. He spoke to her ( XXXX, extension XXXX ) multiple times during the day while I was attempting to figure out what was going on, and at no point did I give her or anyone at " XXXX '' permission to do so. At one point during their conversation, she informed him that she would like to get this paid off by XXXX. 

I gave them a call ( XXXX ) and spoke to XXXX, extension XXXX. She informed me that papers were being filed with the XXXX County courthouse because I had " defrauded a credit card company ''. She also mentioned something about wage garnishment. After asking her to identify the debt, she responded with a 16 digit account number, an amount of XXXX dollars, and stated this was a debt from XXXX that had only received one payment and therefore constituted credit fraud. 
I asked if it was possible to pay whatever it was that I owed to stop this, and her answer was yes and that they would settle for XXXX dollars. I then asked her why this debt was not on my recently pulled credit report, and her answer was that it was because they were filing papers to submit them to XXXX County and they were trying to avoid the 7 year statute of limitations. 

Naturally I was a bit apprehensive at this point, as I had just gone through a refinance with my house and had to find every possible debt from the recent past and get it paid off. This debt was not among them. 

I asked for a direct number to the person I was to contact in the event this did prove to be a legitimate debt, and her response was that there wasn't one and to just call the number that got me to her. ( XXXX ) After getting off the phone with her, my wife received multiple calls from them, as did my other sister and even her husband. 

Fortunately I keep old credit reports, and after looking through a physical copy of my credit report from XXXX, the account number I was given did in fact belong to a credit card that had been opened in XXXX, paid on time for months before becoming late, and then charged off in XXXX. This plainly contradicts what I was told ( opened in XXXX, only one payment ) by XXXX. Her urgent tone and general lack of specific information or even a remotely recent address for me coupled with the fact that her date and specifics of this " debt '' were incorrect lead me to believe this is a " scare tactic '' attempt to fraudulently collect a debt that is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus including creditors about inquries that is on my credit report that I never applied for and I need them immediately removed from my credit report.
Product: Checking or savings account

CD Issued XX/XX/XXXX for 1.35 % annually. CD for XXXX. XXXX percent time XXXX is XXXX interest. The CD matured at XXXX. Short XXXX. I called them XX/XX/XXXX and they have not returned a response. I called today, and got no where. CD is with SunTrust Bank, XXXX. XXXX XXXX XXXX, TN, XXXX. If they short every consumer then they make a lot of extra money. 

I do not have a scanner to I can not upload the documentation.
Product: Prepaid card

On XX/XX/year>, my account with Money Network was compromised and the amount of $ {$4800.00} was transferred out of my account into a different bank account that does belong to me. I did not make the transfer. I disputed and my dispute was denied, I appealed their decision as well and I have not received my money bank. I sent over my bank statements and bank account numbers to show and prove the money was not transferred to me and also to show that the account that the hacker transferred the money too is not my account. Money network is scamming us and they wont give us our money back.
Product: Credit reporting or other personal consumer reports

This is my 7th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$68.00} XXXX XXXX XXXX XXXX {$7800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and i am submitting this complaint without any influence from any 3rd party or agency. I am a consumer and reporting ID theft. The inquiries were NEVER authorized 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
Product: Credit reporting or other personal consumer reports

NAME : XXXX XXXX XXXX ID : XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX ID TYPE : DRIVER 'S LICENSE ID NUMBER : XXXX EARLY WARNING SERVICES , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AZ XXXX XXXX I AM WRITING TO REQUEST AN INVESTIGATION OF THE FOLLOWING INFORMATION THAT APPEARS ON MY EARLY WARNING SYSTEMS CONSUMER REPORT. I HAVE NEVER OPENED OR USED THE FOLLOWING ACCOUNT NUMBERS : BANK : XXXX XXXX CHECKING ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX BANK ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX BANK ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX BANK : XXXX XXXX ( DATE OPENED : XX/XX/XXXX ) ACCOUNT # : XXXX ROUTING # : XXXX I DONT RECOGNIZE THE FOLLOWING ACCOUNTS IN QUESTION. XXXX A VICTIM OF IDENTITY THEFT AND I DONT RECOGNIZE THESE ACCOUNTS ON MY REPORT. IM REQUESTING THE FOLLOWING INFORMATION BE DELETED FROM MY EARLY WARNING CONSUMER REPORT IMMEDIATELY! IVE ATTACHED A COPY OF THE REPORT TO THIS REQUEST. 

THANK YOU FOR YOUR ASSISTANCE. 
SINCERELY, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXXXXXX, operating under the XXXX XXXXXXXX which involved me making deposits for a total amount of {$86000.00} from my JPMorgan Chase account to fraudulent investment firm.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX : Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

some one opened credit card on my name it was fradugelent account.credit card company is not removing from my account.
Product: Mortgage

Mortgage account number : XXXX Client : XXXX with Wells Fargo. 
1. In late XX/XX/XXXX I received an escrow refund check from Wells Fargo for several thousands of dollars. ( I am away from home and do not have the figures ). 
2. In early XX/XX/XXXX Wells Fargo paid taxes and was short for the amount of {$3700.00} 3. In XX/XX/XXXX Wells Fargo advised me that I owed them close to 7000 dollars to help catch up on the shortage. *I believe that amount should be around XXXX dollars and am willing to pay that today. 
4. Wells Fargo has given me two options to address my account shortage. One is to increase my monthly payments to XXXX dollars from XXXX dollars. The other is to pay XXXX dollars and have my monthly payments increased to XXXX dollars. 

My complaint is that every year this will repeat itself if the wells fargo continues to follow its policy of returning escrow to me at the end of the year rather than wait a month and pay the taxes due. 

This will over the years increase the amount of excrow that wells fargo has on hand without paying me any interest and at the same time reduce the amount that I might have available to pay down the loan. 

I have spoken to them via phone and by email but they keep sending me statements and trying to explain that their policy prevents them keeping the money required to pay the upcoming taxes. 

In addition, because I questioned the options, the following was added to the email response that I received on the XX/XX/XXXX for the first time. 

" Mortgage Online Customer Service Wells Fargo Bank, N.A. is required by the Fair Debt Collection Practices Act to inform you that, as your account servicer, we are attempting to collect a debt, and any information obtained will be used for that purpose. However, if you have received a discharge from bankruptcy, and the account was not reaffirmed in the bankruptcy case, Wells Fargo Bank, N.A. will only exercise its rights against the property and is not attempting any act to collect the discharged debt from you personally. 

With respect to those accounts secured by property located in the State of California, the state XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX  or after XXXX XXXX. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. '' I contacted FTC but the dropdowns did not provide options to address this situation and so directed me to your site.
Product: Student loan

I received an email informing me that my credit score had dropped 160 points. Last I checked I had put my student loan on a income based plan. I received no notification that I had missed any payment prior to my credit monitoring notification. They claimed I missed 3 {$59.00} payments which some how totaled to over {$280.00}, wit a {$250.00} payment pending for XX/XX/XXXX. First, I sent out a good will letter on XX/XX/XXXX. On XX/XX/XXXX I spoke to a Great Lakes represented who told me that she would put my account on hold so I wouldn't be charged again and that the interest would be deleted. I even went on my own to studentaid.gov and personally applied to the income based payment plan because I did not trust her. XXXX  that following day I received a notification from my credit report that my credit had dropped an additional 54 points. When I logged into my Great Lakes account I saw that there was no pending payment owed, but my loan had been put on forbearance for 3 months and after that I would be paying more than I originally had arranged. I did not agree to put my loan in forbearance I have been violated on multiple levels. Shortly after I logged in to Great lakes I received an email saying the I was approved for the forbearance and suggested I apply for the income based repayment plan what was the payment plant I asked to be put back on.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : 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 card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX with a balance of {$160000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 # ( private case number ) 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: Credit reporting or other personal consumer reports

It's only coming to me now how I've been declined opportunities, and it's incredibly frustrating to realize that these inaccuracies have been hurting me all along. I never authorized these accounts, yet theyre sitting on my report and unfairly pulling my credit score down
Product: Debt collection

Denial of Communication Despite Recorded Calls : I contacted your agency directly regarding this matter, but you are now denying having spoken with me and claim to have no recollection of the phone call. However, you have stated that all of your calls are recorded. Given that assertion, I am requesting that you provide me with the recording of our conversation. Under the Fair Debt Collection Practices Act ( FDCPA ) [ 15 U.S.C. 1692d ( 6 ) ], debt collectors are required to maintain accurate records of communications, including phone calls. Please provide the complete and unaltered recording of our conversation to validate your claim. 
Return of Letter Sent to Oliphant : Regarding the letter I mailed to your office at the address listed on my credit report, XXXX XXXX XXXX, XXXX, FL XXXX, I did in fact send this correspondence via mail, but it was returned to me by the United States Postal Service. The post office attempted delivery, but the address was listed as vacant, and the letter was undeliverable. This raises serious concerns about your company 's compliance with consumer protection laws. By failing to maintain accurate and up-to-date address information, you are in violation of the Fair Debt Collection Practices Act, as well as the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) regarding proper notification practices.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX. XX/XX/XXXX stating that they had mailed a notice to collect a debt to an address that I have not lived at for over 10 years. I provided my new address and followed for approximately 2 months. Meanwhile, the deadline to pay the debt was XX/XX/XXXX. I finally received my noticeXX/XX/XXXX. I paid a final payment as per my settlement agreement amount on XX/XX/XXXX which resulted in a total of {$300.00} in installments. I was advised by XXXX XXXX from XXXX XXXX XXXX XXXX. that the XXXX would notify the creditor XXXX XXXX XXXX XXXX XXXX   and that I would receive a letter within 7-10 days. On XX/XX/XXXX I was mailed a letter from XXXX stating that I had a balance of {$550.00}. on XX/XX/XXXX I called XXXX and spoke to XXXX XXXX   who had advised that my file had not been closed, that XXXX   had not notified XXXX XXXX XXXX that my debt was paid in full as per the settlement agreement, and that the notice that I was supposed to receive in 7-10 days was not mailed. As per XXXX XXXX at XXXX they would notify XXXX XXXX XXXX XXXX and I would receive a notice within 7-10 days. It has taken me over 3 months to try and settle this debt without any help or assistance from XXXX XXXX XXXX.

Client acct # XXXX  XXXX acct # XXXX  Creditor is XXXX XXXX XXXX XXXX XXXX Debt Description : XXXX XXXX Original Account # XXXX