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

The bank cleared a check for {$2400.00} and made all the funds available the next day. I sent scammers {$2100.00} and the Bank took the $ from my account. On XX/XX/2019 I deposited a check for {$2400.00} which I didn't know was fake. The Bank cleared the check and all the money was available in my account the next day. I sent the scammers {$2100.00} through XXXX ( a money transfer service provided by the Bank through their app ). On XX/XX/XXXX, the funds were removed from my account because the check was fraudulent. The Bank took zero responsibility in the matter. I sent a letter and an email to the CEO ( Attached in this  complaint ) explaining the unfairness of the situation and his assistant called me. He told me that these fraud cases are very common and happen all the time, to which the Bank never warned me about and never realized that my transactions were odd. I am a Bank of America customer for 13 years, I haven't deposited a check that large in person in years and I haven't used XXXX in about 4 years and the amount was maybe {$300.00} to my mother who also had a Bank of America account at the time. The CEO assistant told me that XXXX does have scam triggers and he doesn't know why it didn't work for me. I have a Bank of America credit card and get alerted for unusual transaction I make and I am constantly asked if I made certain odd purchases even if it's for {$1.00}. How come there's so much security for credit cards and zero security for these super common check scams. Banks are supposed to take care of the customer 's funds ; this is why people trust banks with their money.
Product: Credit reporting or other personal consumer reports

This Matter Is Involving XXXX Loans on my credit report. 
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX On my credit report These XXXX account show that I am current of my payments which is incorrect. Also, on my credit report it states that i started making payments in the year of XXXX  which is also incorrect. 

I Contacted the loan issuer directly and was informed that I have never made payments on these XXXX accounts. And That In fact these XXXX loans have never made it out of default. I Was Also Informed that a XXXX XXXX XXXX XXXX XXXXXXXX XXXX has never been set up. I have been provided documents that coincide with this information.
Product: Checking or savings account

On XX/XX/2023 I login into my allybank.com account and notice there was several unauthorized transactions that happened on my account from a merchant called " Binance US ''. I called that same day to report this activity, and they ended up blocking my account because they were not able to verify me but also told me they noted down all of the 9 transactions this merchant did as fraud in order for the investigator to also look into.

It's been over 2 weeks and they still haven't said anything about the fraud transactions that happened on my account. They refuse to give out any information and keep saying over the 50 times I had called them they are " looking into it ''. I need my money back ASAP.
Product: Debt collection

I have recently started to receive phone calls from a company that identifies as Direct Recovery Services calling from XXXX this week. When I answer it is a recording and threatening to take action by XXXX if they do not hear from me. I was contacted today by my husband, mother and ex-husband that they all also received same call asking for me. I have attempted to contact company but they hang up on me and threaten to sue. I have yet to hear what they are attempting to collect. Sounds like a scam to me.
Product: Money transfer, virtual currency, or money service

Tue, XX/XX/XXXX, XXXX XXXX  a wire transfer was submitted to Ally Bank for {$2000.00}, 37 minutes before the XXXX cut-off time. I called Ally Bank at XXXX to get a status of the wire transfer and was told that the wire status was set to Complete at XXXX and that it would go out that day. 

Wed, XX/XX/XXXX, XXXX I contacted Ally Bank to get another status and the customer service rep checked with the wire department and was told that the wire was now In Review, but nothing I could do to escalate it. 

Wed, XX/XX/XXXX, XXXX I contacted Ally Bank and the customer service rep contacted the wire department and was told that it was with Loss Prevention and there was no ETA and nothing I could do to escalate it.
Product: Debt collection

Original creditor : XXXX  XXXX XXXX  and Company account was sold to LVNV Funding LLC is in Violation of Federal law. ( Please see attachment for further details ) After challenging LVNV Funding LLC to accurately validate Account of which they have purchased from XXXX XXXX XXXX  account # XXXX. This account is currently being reported illegally. And must be deleted from my consumer reports immediately. 

Please note : the original creditor claims that they received last payment on this account in XX/XX/XXXX. But never closed the account. Account was not closed and I was not notified that account has been closed. 

As stated in writing the company claims that last payment was made in XXXX of XXXX but was not closed or charged-off until 233 days later in my of XXXX this is illegal. And be proven in court! 

Since account was not closed the account occurred interest and fees that was then added to the balance, of which can not be accurately verified. 

In addition I've made multiple attempts to have LVNV Funding LLC and the credit bureaus validate this account of which they have not done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested numerous times in writing, verification of the fraudulent debt over the past 6 months. Wakefield and associates have refused to provide me with any proof that I owe them what they claim I owe. XXXX  and XXXX refuse to remove the unverified debt where as XXXX  does not list the debt. How is it possible that 1 agency has it correct while the other 2 do not? No matter how many times I ask for proof of the debt the collection company and reporting agencies refuse to provide any form of proof. This needs to be removed immediately as I am not aware of the debt. Wakefields refusal to offer any documentation supporting this false reporting should be punished. The credit reporting agencies who allow this false information to be posted should be held accountable for this as well. 

How is it possible to post something to a consumers credit report without providing any proof that I am responsible for this? 

I have sent several written requests with certified mail requesting some form of proof that the debt is in fact mine. This account without verification is identity theft.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several items that are inaccurate. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ), credit reporting agencies are required to ensure maximum possible accuracy of the information they report and to promptly delete or correct any inaccurate, incomplete, or unverifiable information. 

The items I am disputing are as follows : XXXX XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXXXXXX Balance : {$1900.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Balance : {$660.00} Account # XXXX Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX XXXX Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX  Account # XXXX Balance : {$1600.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX XXXX Account # XXXX Balance : {$0.00} XXXX Opened : XX/XX/XXXX Account Status : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX Account # XXXX Balance : {$1800.00} Date Opened XXXX XX/XX/XXXX Account Status : Closed XXXX XXXX  Account # XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # XXXX Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX XXXX XXXX : {$2300.00} Account # XXXX Date Opened : XX/XX/XXXX Account XXXX : Closed XXXX Account # XXXX Balance : {$280.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # XXXX  Balance : {$790.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX Account # XXXX  Balance : {$2300.00} Date Opened : XX/XX/XXXX Account Status : Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit file and noticed that I have over XXXX Inquiries that I do not recognize. I have not authorized any one to access my information. I have called and mailed letters to all of the inquiries to let them know that these are fraudulent inquires on XX/XX/2017. I have not heard back from either of them.
Product: Debt collection

I have sent two requests to verify/validate this debt that they never even made me aware that I had, They have refused to validate my request and is reporting on my credit report.
Product: Credit reporting or other personal consumer reports

These are accounts are not mines and were opened due to identity theft. 
XXXX XXXX XXXXXXXX Reported On XX/XX/year> Account Balance {$1900.00} XXXX XXXX XXXX Reported On XX/XX/year> Account Balance {$1900.00}
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 XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

MY PERSONAL INFORMATION WAS BREACHED/STOLEN 2029 AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

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

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

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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. XXXX and XXXX and TRANSUNION are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal Per 15 USC 6802. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The law says It is illegal to report transactions on a consumer report. reporting false & harmful damaging information to my consumer report, as well as damaging my reputation, humiliation, & emotional damage to my mental health! XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission which 15 U.S. Code $ 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TRANSUNION are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Violating the privacy act of 1974! 

Account # XXXX Recent Balance {$890.00} XXXX XXXX XXXX is legally also not even licensed to collect debts within the state of Pennsylvania!
Product: Checking or savings account

On XX/XX/XXXX I Noticed five unfamiliar charges pending on my bank acct, I Called Capital One at the time and their agent advised me I needed to wait for the transactions to post. 

On XXXX all transactions posted I called Capital One @ XXXX to file a claim. 

I attempted to dispute the following charges XXXX. XXXX ( website purchase ) {$580.00} - as of XX/XX/XXXX XXXX confirmed that this charge is no associated to my acct XXXX that Ive had for 16 years. They advised me to continue the dispute with my bank XXXX. XXXX XXXX ( Digital purchase ) {$37.00} - XXXX did an investigation and determined this charge was not made by me. refunded on XX/XX/XXXX XXXX. XXXX XXXX ( Digital purchase ) {$33.00} - XXXX did an investigation and determined this charge was not made by me. refunded on XX/XX/XXXX XXXX. XXXX XXXX com ( Debit Card Purchase ) {$1.00} - Cap1 Has returned this {$1.00}. 

Total amount {$650.00} I mentioned before there were five charges, the fifth being a {$40.00} from XXXX XXXX XXXX- this ended up being a legitimate charge which in my panic and upset over the charges I failed to realize that it was for a gas purchase I made at a XXXXXXXX XXXX XXXX. 

On XX/XX/XXXX Capital One denied my claim for the following reasons : In regards to the XXXX charges Capital Ones agent asked me if I had an XXXX, I replied yes, and she said Ok that means you made the charges- I have the email from XXXX confirming I didnt make those charges. 

The second and third reason was that I used the card to purchase gas which meant I had the card and the other reason was that I attempted to dispute the gas charge. 

I disagreed and was told they would not reopen the dispute and the decision was final. 

I immediately reached out to both merchants and requested help. Now both XXXX and XXXX XXXX have noted my accounts that these charges are fraudulent. XXXX was great and they went ahead and refunded my acct. 

On XX/XX/XXXX approximately 72 days from my initial claim I got final word from XXXX / XXXX about their investigation I spoke with an agent named XXXX around XXXX, she confirmed the charge was not made to an acct owned or associated with me. 

I called Capital One at XXXX to dispute the charge. The current claim number is XXXX. 

Ultimately Id like the {$580.00} returned to me with out any further delays. When Opened my acct I trusted Capital one to protect my finances unfortunately that was not the case. I ask that you have them look at the information Ive provided, that they contact XXXX XXXX XXXX XXXX their mistake and make it right.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I made a payment to toyota financial services, it was taken from account on the XXXX then for no reason returned on the XXXX, without any notification from toyota as to why. Then when trying to pay before a late fee was applied, I was charged twice because of a glitch on the website. After calling to have the extra payment returned I was promised that the over payment would be returned. Then returned both payments, one by mail and told that I had to make another payment and would be charged late fees and the late payments would be sent against my credit score which they have and has drastically effected my credit score.
Product: Debt collection

According to XXXX XXXX I owe almost XXXX $ on a XXXX XXXX  card from XXXX XXXX. They said the date was from XXXX  and i XXXX XXXX XXXX XXXXXXXX from XXXX  Then XXXX  XXXX  changed the date to XXXX. When i left America in XXXXXXXX- i had paid off all my bills. Everytime i call XXXX, XXXX XXXX, or XXXX XXXX  no one can give me any facts on what this XXXX $ is from. I am afraid it is fraud and it is on my credit and i can not get an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

CC : Consumer Financial Protection Bureau ( CFPB ) CC : South Carolina Attorney General ( Complaint Filed ) CC : XXXX XXXX XXXX XXXX XXXX XXXX  CC : Federal Trade Commission ( FTC ) CC : XXXX, XXXX, Transunion Dear XXXX XXXX XXXX XXXX I am writing to dispute the charge-off that appears on my credit report for account XXXX and XXXX. I believe that this charge-off was the result of multiple violations of federal law, including the Uninformed Decision Law ( 15 U.S. Code 1601 ( a ), the Lack of Evidence of Indebtedness Law ( 15 U.S. Code 1602 ( g ) ( 2 ), and the Adequate Notice Law ( 1643 of 15 U.S. Code 1602 ( k ). Therefore, I am requesting that it be removed from my credit report. 

Firstly, I was not properly informed of my rights and responsibilities under the Uninformed Decision Law. This law requires that creditors provide consumers with certain information, including the cost of credit and the consequences of non-payment, before they can legally charge off an account. I believe that I did not receive adequate information regarding my rights and responsibilities, and as a result, I made an uninformed decision. Such notice XXXX be given to a cardholder by printing the notice on any credit card or honest on each periodic statement of account issued to the cardholder or by any other means reasonably assuring the receipt thereof by the card holder. 

Secondly, I have not received any documentation from the creditor showing that I owe the debt in question, which is a violation of the Lack of Evidence of Indebtedness Law. I am therefore unable to verify the accuracy of the charge-off. The only evidence of this debt was the agreement but the agreement, but that agreement was null and void because I made an uninformed decision, I did not understand this agreement and it was not clear and conspicuous. 

Lastly, I do not believe that I received adequate notice from the creditor regarding the status of the account, which is a violation of the Adequate Notice Law. I did not receive any communication or notification from the creditor regarding the impending charge-off, and I was not given an opportunity to rectify the situation before the charge-off occurred. 
Given these violations of federal law, I request that you investigate this charge-off and provide me with a detailed explanation of why it was reported. If it was indeed the result of violations of federal law, I ask that you remove it from my credit report. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

I was never given due process i was never served the opportunity to pay this in court .i was notified there was even a court i received the garnishment order in the same week they are garnishing my check ... i am in process of trying buy a home and currently dnt have a place of my own. I wasnt informed of this debt from 2007 and believe it to been paid in full in 5yrs ago! I heard nothing from jcp or debt collectors referencing this debt ever sense then suddenly 5 yrs later without a warning my check i get in 5 days will be garnished over 300! I would have been grateful if given the opportunity to even claim ownership of it or given the option to pay it or informed of a court date ... i would have glady showed up and fixed this in court but jcp skipped due process and went straight for my wages after 5 yrs of being silent like a paid in full debtor normally would so how am i to know u want money from me? ... my wages were attached b4 i knew of this debt.i was neglected my rights and due process and wasnt given no knowledge i was being sued or opportunity to be in court or pay myself ... soon as i received the garnished notice i immediately made calls tryn to resolve the confusion of the debt in question even pay to prevent further actions and i live in indiana and law office of XXXX XXXX XXXX XXXX il collecting payments for the plantiff jcp even though due process was refused me refused to be able to assist me said i had to call jcp directly and jcp said i had to call meyer & njus directly. my check is already being garnished over 300 per check despite my attempts the letter of garnishing and my attached pacheck are within the same 6 days which left me no time to resolve or address the matter..i would have paid this debt in court rather i believe its mine not if i knew it existed and was given that option ... its not ok to attach anyone wages that u feel owes u without first giving them the opportunity to show up in court or pay it their self
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I checked XXXX XXXX on XXXX  and my score dropped from XXXX to XXXX. It erroneously shows XXXX XXXX  updating a XX/XX/XXXX vehicle showing it was repossed. false it was voluntarily surrendered by me. my credit took an unnessary hit. my credit should be going up not down. i currently lease a XXXX XXXX XXXX with no late payments. Please clear up this unnnecessary confusion and bring my score up to date. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX