23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

i was a victim of identity theft i use my information to open credit card accounts with best buy and macys they are from the same bank citi bank, they have been calling me regarding a debt and sending letters to my house, without me authorizing those cards now They want me to pay accounts that were not authorized by me, accounts that I do not personally use, please I need help to solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M SUBMITTING A COMPLIANT REGARDING MY GOLDEN 1 CREDIT UNION CREDIT CARD ACCOUNT WITH A RECENT XXXX DAY LATE REPORTING. I DON'T RECALL BEING LATE AND ACCORDING TO MY RESEARCH DEALING WITH LATE PAYMENTS, BECAUSE OF XXXX XXXX AND THE HERO 'S ACT, THIS SHOULD NOT HAVE BEEN REPORTED.
Product: Credit reporting or other personal consumer reports

YOUR COMPLAINT This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. Furthermore, I have attached : A new police report confirming fraudulent activity. Updated documentation disputing these debts. This Cease and Desist letter. Violations and Legal Obligations Your failure to respond adequately to my validation requests and your ambiguous statements constitute violations of the following : FDCPA, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with debt collection. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Requires debt collectors to verify disputed information with the creditor and ensure accuracy. Federal Trade Commission ( FTC ) Guidance on Debt Collection Practices : Warns against vague or misleading communication, which can constitute an unfair or deceptive act or practice ( UDAP ). You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfair Trade Practices and Consumer Protection Law ) by failing to provide transparency and accountability in your collection practices. Legal Remedies Available Failure to comply with these laws exposes you to civil liability, including actual damages, statutory damages of up to {$1000.00} per violation, and coverage of attorney fees under the FDCPA and FCRA. Cease and Desist Demand Effective immediately, I demand that you : Cease all communication with me regarding these accounts, except to provide the debt validation as required under federal law. Provide a comprehensive validation of the debts, including : A signed agreement or contract proving my responsibility for the alleged debts. Full account histories showing how the amounts were calculated. Evidence that your agency has legal authority to collect these debts. Inform the creditors ( XXXX XXXX  and XXXX XXXX ) that these accounts are in dispute. Next Steps If I do not receive a satisfactory resolution within 30 days, I will have no choice but to file complaints with : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) My states Attorney Generals Office the gialed to respond to me so I am filling the complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment for XXXX 2017 to my mortgage payment to XXXX XXXX is missing in my Experian Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX, 2017 by my credit reporting agency
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDIT CONTROL LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I'm a XXXX percent XXXX veteran and I defaulted on an XXXX credit card. I had a major hardship and needed to move to New Mexico to care for my now XXXX mother in law. 
After I got moved, XXXX began garnishments on my social security XXXX benefits. Instead of simply taking {$100.00} a month, they took the maximum allowable of {$260.00} a month which caused even MORE defaults for me when I got moved. I couldn't stop them from garnishing my XXXX benefits. After receiving the stimulus money of {$2400.00}, I combined that with money from my mother in law and was finally able to pay off the {$3000.00}. I sent {$3100.00}. 

They applied {$2600.00} and retained {$490.00} for a NEVER DISCLOSED TSI fee. 
Now they say I owe {$530.00} with NEWLY applied interest. They forced interest every month already over the past two years. 
I'm at wits end. I have XXXX XXXX  XXXX. The mere idea of contacting them over this has me in a terrible attack. I'm a complete mess and I have no recourse when they have direct access to my social security XXXX benefits.
Product: Debt collection

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. 
XXXX XXXX XXXX Account Number XXXX and XXXX XXXX XXXX Account Number : 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.

15 U.S.C 1681 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1692b ( 5 ) - Acquisition of location information not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ;
Product: Money transfer, virtual currency, or money service

Unauthorized transfers were coming out my account without my authorization
Product: Credit reporting

On XX/XX/XXXX, I was informed by my credit card company XXXX XXXX XXXX that someone has been using or attempting to open credit card accounts using my name, date of birth and social security number without my permission. The suspect has already opened several credit card accounts and committed the crime of theft in XXXX California. The suspect stole my identity by using my name, social security number and date of birth to commit theft and avoided payments and capture from the law. I reported the incident to the XXXX credit card bureaus such as XXXX, XXXX and Experian. I had to place a security freeze and a fraud alert in order to prevent the suspect from opening further credit card accounts without my permission. I had to dispute numerous fraudulent charges against me committed by the suspect in XXXX California. I filed a XXXX XXXX Police report on XX/XX/XXXX and gave copies to some merchants or credit card companies along with my driver license and personal information in order to prove my real identity. I also gave the police report to Experian and other personal information in order to place a 7-Year Fraud Alert and Security Freeze. Experian refused to assist me and refused to place a 7-Year Fraud Alert based on my request. I requested Experian for the XXXX Fraud Alert because I do NOT want the suspect to steal my identity for the next 7 years and continue the crime of theft. Experian refused to assist me and ask for more personal documents. I already sent Experian the copy of my driver license, my social security card, my DMV bill and property tax bill verifying my true identity. Experian refused to assist my request. I would like Experian to be fully investigated and would like to know why it still requesting more personal documents. I need help and Experian refused to assist me after I reported being a victim of identity theft. I disputed the fraudulent charges against me because I never lived in XXXX California. The suspect committed these crimes of theft in XXXX California and provided a false or fake southern California address in XXXX, California. I ONLY live in XXXX XXXX since XX/XX/XXXX and NEVER in XXXX California such as XXXX, California.
Product: Credit reporting or other personal consumer reports

Please remove this from my credit report XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX 

This names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not mine please also update my information. I did not make any inquires or anything with these names. 

the following addresses are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of this notice is to inform you that the following companies made unauthorized or fraudulently authorized inquiries on my credit report. According to the FCRA, I have the right to only have accurate information showing on my credit report. *XXXX , XX/XX/2020, *XXXX XXXX XXXX , XX/XX/2020, *XXXX XXXX, XX/XX/2020, *XXXX XXXX XXXX, XX/XX/2020, *XXXX XXXX XXXX, XX/XX/2020, *XXXX COUNTY XXXX XX/XX/2020 . These Inquiries were never requested as stated. I am not aware of these accounts/requests. I believe this to be Fraud. Please correct/delete this misleading information, and supply me with a corrected credit report within 30 days. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS IS WITH FTC On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXX. Court, ( XXXX California XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts. 
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature. 
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt. 
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.Cal. XXXX. 
XXXX, XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have a credit inquiry and i have tried to resolve the issue multiple times directly and have had no reply. I am looking for help from you guys to remove this from my credit.
Product: Credit reporting or other personal consumer reports

XXXX  and the credit bureaus ( XXXX, TransUnion, XXXX ) are continuing to report a fraudulent account that should have been removed along with other accounts proven to be unverified. Despite submitting identity theft documentation and multiple requests for verification, no legitimate proof has been provided. Instead, they have manipulated the account details, re-aging it to make it appear recent. This has caused ongoing damage to my credit and is a clear violation of proper reporting standards. 

I have already seen other fraudulent accounts from the same period of identity theft successfully removed, proving that they could not be verified. However, XXXX and the credit bureaus are failing to act on this account, despite the documentation I provided during my medical incapacitation, as detailed in my FTC Identity Theft Report. 

There is no valid reason for this account to remain on my report, and the lack of transparency in the process of re-aging the account to prolong its negative effect raises significant concerns.
Product: Money transfer, virtual currency, or money service

ACCOUNT HACKED AT WELLS FARGO My name is XXXX XXXX XXXXOnline acct. hacked on XX/XX/22 for {$990.00} and hacked again on XX/XX/22 for {$990.00} and {$990.00}, {$83.00} in my checking-they went to my XXXX XXXX XXXX and took out enough to cover the {$990.00} and the Hacker on XX/XX/22 - 2 transactions {$990.00} and $ XXXX this time WELLS FARGO decided to take it out of my credit card which I have no knowledge it was connected-if there was no money in the checking account to cover the {$990.00} did they think it was ok to charge that account again and that didnt bring up some sort of a flag. reported info. to bank who told me to do a stop pymt., notifying me that the hacked took to money from my account and sent it over to my account at XXXX  XXXX and they were not smart at all, I said I don't believe hackers can do all that, to much hacking for me to believe, they said they would contact XXXX  XXXX and have them return the money, I contact XXXX XXXX and notified them numerous times and said no extra money has come over. 
I looked at the bank information and realized Wells Fargo had sent the money to acct. ending with XXXX which was not associated with my account., only having one associated acct. with XXXX XXXX. 
XX/XX/22 called customer to inform them of the last 4 of acct. ending XXXX was not my account and was informed the bank had close my case and blamed me or an associate for hacking my account and sending money to XXXX XXXX. 
XX/XX/22 went to a branch because it was hard getting info. from customer service other then notes that was read to me stating hacker send money to my account and closing my fraud case.The Banker XXXX XXXX XXXX XXXX stated to me a Fraud Case had never be established and no investigation was never done and Wells Fargo denied my Fraud Case talking to me over and over again and a fraud case was never established or one investigated, I REALLY THANK XXXX for all his help, got little help else where. 
I established 3 case for the $ XXXX $ XXXX {$990.00} with case numbers ON XXXXWells Fargo needs to be investigated, how many time has such happen to the consumers, when they send money from accounts and don't know where the money is going or were it should go to. 
WELLS FARGO sent money from my account to an account not affiliated with my account and as a consumer I should not have to wait for they to figure out who they sent my money to.XXXX  XXXX stated to me that Wells Fargo sent the money to acct. ending XXXX and should replace the money. 

Don't know if this is the standard practice, but this practice should be looked into, i'm waiting to hear from the bank. 
Problem started with the withdraw from acct. XX/XX/22 Contacted the Wells Fargo Advocacy Dept. XXXX Bill Pay Claims XXXXXXXX XXXX XXXX XXXX XXXX-Consumer Financial Protection Bureau XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2019 my father sent me XXXX $ to get my son some food, Wells Fargo took XXXX $ of that for a monthly maintenance fee i had no clue about so i had to call to get it resolved. Then Today XX/XX/2019 i went to the store to purchase a couple items and i found out my card has been cancelled. Wells Fargo Cancelled my card without notifying me and without my consent.
Product: Debt collection

Tonight ( XXXX XX/XX/XXXX19 ), I received a credit monitoring alert that a new derogatory account was listed on my credit report. I immediately noticed it as a debt that was already paid. I never received any call or letter informing me of the debt - it just magically appeared on my credit report. I called the collection agency to find out what was going on. The balance was {$50.00} even. I told the collector that I had never received any phone call or documentation via mail about the debt, and requested that to be sent to my address because the debt was not mine. She informed me that she would not provide that to me and that I was responsible for the outstanding balance after insurance and to pay it now. I told her that this wasn't my debt but to avoid the headache, if she would send me a letter in writing stating that if I paid the balance this negative information would be removed from my credit report, I'd pay immediately. I don't pay anyone without knowing exactly what I owe and for what, and she was very defensive when I requested validation. Instead, she emailed me a notice to collect without any requested financial information. I have already paid the collection to the original creditor, so I am hesitant to pay anything else without proof that I owe this money. I called back to request that I not be contacted by phone and spoke to another collector. She attempted to collect the debt once more, and I explained the event that occurred previously. She told me that I was lying about what I was saying, and both of the collectors used baby talk to try to get me to understand what they were saying. I was well aware of my rights and knew that my request for debt validation was sound.
Product: Mortgage

I am beside myself. I have been unemployed for one year, I have worked my entire life, and not once utilized public assistance. In my time of need, I have been met by denials by non profits, HUD Counselors, Caliber Mortgage, and XXXX AZ lawyers. By XXXX/XXXX/2015 I will be on the street with my daughter. She has been traumatized by the mounting stressors of having utilities shut off, minimal food, and increasing detriment to her self esteem. I am a XXXX who is chastised daily XXXX who is reveling at my failure. I have no faith in humanity due to having no assistance, advocate, or thought of my child. I can no longer call people to help as I do not think I can take in any more rejection.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered an inaccuracy regarding one of my accounts. According to the report, there were three late payments on an account that was consistently paid on time. It's imperative that consumer reporting agencies maintain complete accuracy in their reporting. Attached to this complaint are copies of my credit report for the following dates : XX/XX/year>, XX/XX/year>, and XX/XX/year>. I kindly request an investigation into this matter and ask for verifiable evidence to support the claim of late payments. If no such evidence can be provided, I urge you to promptly update the records to reflect the timely payments made. Your prompt attention to this issue is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a dispute was submitted concerning XXXX XXXX XXXX XXXX. This dispute was not properly handled and investigated. I asked company to provide a detailed statement of charges being listed on my credit report which was not provided. Company is falsely and illegally reporting rental charges on my credit profile which is adversely affecting my credit score and renting capabilities. The company XXXX XXXX XXXX XXXX is falsely claiming amounts not owed for rental debt which also according to the law can not be reported on credit profiles.
Product: Checking or savings account

Before opening the accounts I contacted Wells Fargo customer service. 
ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. 
To properly interpret the clause : You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months. 
On XX/XX/scrub>XXXX XXXX XXXX PST I spoke to XXXX XXXX a banker at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX tel. ( XXXX ) XXXX She stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 
Wells Fargo representatives NEVER addressed this fact. 
I certify I am telling the truth and only the truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????
Product: Credit reporting or other personal consumer reports

I am sending to inform you that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint regarding the fraud information on my consumer report. I referenced U.S. Code 1681c2 - Block of information resulting from identity theft Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 BUSINESS DAYS after the date of receipt by such agency. As of XXXX XXXX XXXX  the information remains on my report.
Product: Debt collection

I have an unknown collection account on my credit.I was not contacted by the collection agency so I was not aware of the debt until I viewed my credit. I called and was not able to reach anyone so I sent them a letter by priority mail which they have received. To date, the account remains on my credit and I have yet to get a response from them. However, the bureau alleges the account has been verified as belonging to me when it doesn't.