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

XXXXXXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$820.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX  Date opened : XX/XX/XXXX Amount : {$1600.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XX/XX/XXXX - XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX Date opened : XXXX XXXX Amount : {$350.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened : XXXX XXXX Amount : {$1300.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and XXXXavent heard anything back from this company. 

XXXX XXXX  XXXX opened : XXXX XXXX Amount : {$720.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX XXXX opened : XXXX XXXX Amount : {$5000.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XX/XX/XXXX. I have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX XXXX  XXXX opened : XXXX, XXXX Amount : {$1100.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX  XXXX Date opened : XXXX XXXX Amount : {$1600.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX XXXX  Date opened : XXXX XXXX Amount : {$570.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX  From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company. 

XXXX XXXX Date opened : XXXX XXXX Amount : {$960.00} Action : XXXX XXXX XXXX XXXX XXXX XXXX. From XXXX XXXX have no knowledge of this account. I disputed this account on XXXX and havent heard anything back from this company.
Product: Checking or savings account

Went to close my account with Bank of America on XX/XX/19 @ XXXX. Bank official was busy so I requested a check for the full amount. Was advised it would not close the account. Amount was above the teller limit and was told it would be escalated. During the next hour, I was asked why I wanted to close the account. I said I hated Bank of America and had opened an account with XXXX XXXX down the street. They said the account had not been opened very long. I explained that my primary residence is in MA and Bank of America was the only bank that was in both locations. I have had a checking account with Bank of America for over 20 years as well. Bank teller  said she was waiting to here from a particular dept before she could proceed. I received a call from an unknown number and didnt answer it. I checked my online account and saw a XXXX  balance in my account. I went to the teller thinking she had my check but found out there was a hold on my account and the only person that could resolve it was a XXXX XXXX who had just tried to call me. I tried calling 25 times and left several messages. After waiting for a total of 4.5 hours, I was told the bank was closing and I would not be getting my money and that XXXX would call me after XXXX. He never called and I never received an explanation as to why my account was out on hold
Product: Debt collection

Received a third warning for a speeding ticket on XX/XX/year>, that was taken care of when the ticket was issued almost XXXX years ago. 
I have called multiple times to clear it up and have been told that the account is closed and no further action is needed every time over the past XXXX years. 
The fine attached is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTIFY THEFT AND I WOULD LIKE TO GET SOME FRAUDULENT ACCOUNTS REMOVED AND BLOCKED DUE TO FRAUD. ACCORDING TO UNDER 15 U.S.C AND 1681i ( FCRA ) YOU ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an email alert from Experian advising me that my email address has been changed. I immediately called Experian and have been unsuccessful with speaking to a Representative. I've made numerous attempts and three via email in writing after unsuccessful attempts by phone. I followed the instructions in the email provided by Experian on XX/XX/2019 and replied to the email on XX/XX/2019, XX/XX/2019 and XX/XX/2019. Experian has allowed someone else access and full control of my credit report. I attempted to logon and an email address ending with domain XXXX has access. I have never had a XXXX  email and never authorized my email to be changed. 

I already have fraud alerts on my credit report and my credit has been compromised from the XXXX data breach and this is the reason Experian allowed me free credit monitoring. My credit is now in full control of a third and it has been compromised and I'm curretnly disputing accounts that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.
Product: Payday loan, title loan, personal loan, or advance loan

We moved out of state, and needed to reregister our vehicle, which One Main had in its possession. They gave us the run around for months which caused us to get motor vehicle tickets. Drove back to home state to go to Motor Vehicles since ONE Main claimed that is where the title was. NJ DMV did NOT have the title. Once again One Main Financial played incessant games, never producing the title! We were subjected to robo calls all hours, day and night ( XXXX XXXX  on Sunday morning is uncalled for ). They never produced the payment and fees information we asked for, nor the title. We stopped paying payments, as we needed to finance a vehicle we could use. They repossessed vehicle and tow company caused front end damage. One Main refused to take responsibility for the negligence. 3 years later, a court battle ensues. Court ordered them to provide the documentation requested. We played cat and mouse on Court dates with them no showing, yet they finally showed to one we were never informed of, seeking judgements. One Main illegally went into our bank account twice in one month, emptying it. Then did a wage attachment for {$400.00} every other week!! We immediately sought a hold of wage garnishment from the Court ( approved ), yet One Main STILL took {$400.00}. We luckily were able to reverse. From the truck sitting and front end damage, we are out {$7000.00} in repairs PLUS owing One Main Financial thousands more than the original loan in fake fees. We NEVER GOT THE TITLE!!! They lost it. They also refuse to show a breakdown of the fees totalling the judgement. SCAM COMPANY
Product: Debt collection

XXXX XXXX XXXX is attempting to collect {$790.00}. 
This is not my debt. 
I never opened a XXXX XXXX XXXX account nor have I ever requested or used their services.
Product: Checking or savings account

XX/XX/2023 To whom it may concern : My name is XXXX XXXX and I want to make a formal complaint against Wells Fargo Bank for fraud and bad business practices. 

On XX/XX/2023 my partner wrote a check to me in the amount of {$1200.00} so we could pay our mortgage. I mobile deposited it into my checking account ending in XXXX. That evening I received a confirmation email from Wells Fargo Bank confirming the deposit and stating that {$400.00} of the check would be available right away and the remaining {$850.00} would be available XX/XX/2023. ( I will enclose a pic of the email ). 
With that on XXXX XX/XX/2023 I paid our mortgage online to my carrier. When I got home from work that evening of XX/XX/2023 I noticed that the deposit of {$1200.00} was not showing in my account. My partner immediately called his bank and was questioning if they had released the funds for deposit into my account. 
Meanwhile I called Wells Fargo and was questioning why the funds were there and now they were not credited? First, they tried telling me that the funds were not released by my partners bank, at which time they were shot down because we were on the phone with his bank and Wells Fargo at the same time. At this time the operator whom I was speaking with told me there was nothing she could do. So, I asked for a supervisor. 
I was transferred to XXXX knows who. So, this person says to me that the funds are being held. HELD? The excuse they determined was that there was a discrepancy in the signature. I replied by saying both sides of the check were signed how could there be a discrepancy and whom determines if there is a discrepancy in his signature???? They replied it was done by the computer! WHAT?? 
They proceeded to tell me that the funds that deposited would not be available until XX/XX/2023. I had already sent my mortgage payment and there would not be enough funds to cover this transaction without his deposit money. Needless to say I hung up on them. 
The next morning I was on the phone again with WF the first operator I got sounded like they just woke up or was on XXXX. So I asked to speak to his supervisor. The next person gave me the same lame excuse and gave me a case number ( XXXX ) and that it was going to be reported to the escalation department. 
I then received yet another WF email that stated We credited the deposit to your account, but some or all of the with not be available for your immediate use. NO funds were ever credited to my account. 
This is fraud! And very bad business practice. My partner deposited a check from the same bank with the same signature into our WF business account on XX/XX/2023 and it was available the next day???? I am more than furious! I want to be reimbursed for any and all fees associated with fraudulent transaction, I also want interest on those monies that WF bank is holding for NO reason. I need them to be held responsible and accountable for their actions. I and my entire family will also be pulling our accounts from this institution. 
Please advise as to next steps, Thank you in advance,
Product: Debt collection

My name is XXXX XXXX. On the XXXX of XXXX, I called and requested that Pro-collect send a letter of debt validation in the mail. They were very rude and not helpful over the phone. I explained that I had no idea about the debt that was being claimed, and asked for a debt validation letter to be sent. They refused, stating that the debt was accurate and can be explained over the phone. I explained I still needed a validation letter, but they insisted that this means that I refuse to pay. I have no idea what debt they are trying to claim. They arent even trying to make a settlement, for whatever debt they say I owe, so I can just be away with this problem. They are very rude and conduct business unprofessionally.
Product: Credit reporting or other personal consumer reports

After being informed by XXXX XXXX I have an account at XXXX XXXX  I immediately known it has to be illegal XXXX XXXX  XXXX  scam artist fake XXXX  XXXX XXXX fake SSN numbers XXXX and XXXX on your records and over 30 mortgage loans. He also used fake job titles XXXXXXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX in XXXX. I reported to both and he got fired and under investigation as XXXX and cashed XXXX XXXX  escrow account checks in my name and reported as XXXX with XXXX. XXXX XXXX XXXX. Just discovered claim numbers XXXX, XXXX, XXXX, XXXX and XXXX. Ownership evidence to property XXXX XXXX XXXX XXXX XXXX XXXXXXXX are XXXX  confirmation numbers XXXX and XXXX. XXXX XXXX XXXXXXXX and after CFPB # XXXX XXXX XXXX XXXX XXXX  has announced this is fraud. XXXX XXXX  and XXXX XXXX  has this fraudulent information on record connected to my name.
Product: Credit card or prepaid card

I have three credit cards with Capital One ( XXXX XXXX, XXXX, regular card ). A family member helped me by paying these cards off using her bank account. The payments were accepted and processed and all three credit cards were paid in full on XX/XX/2022. 

Capital One accepted these payments and when I logged into these accounts, there was a zero balance. 

Capital One froze all three credit cards. Their Fraud Department contacted me in early XXXX, asking for information about the payment origination bank account ( belonging to my relative who paid the balances on these cards ). They could not provide me with a reason, except that it was " for my protection ''. 

In XXXX, I was charged interest on two of the three credit cards : XXXX ( ending in XXXX ) - {$110.00} Quicksilver ( ending in XXXX ) - {$56.00} In addition, my three credit cards were placed in " restricted '' mode, preventing me from using them. 

On XX/XX/2022, I spoke with a Capital One representative in their Fraud Department ( name ). She reiterated that they needed to speak to the bank of my relative ( who paid the balances ). My family member is not comfortable doing this. The payment was accepted and funds were withdrawn from my family member 's bank account ( XXXX XXXX XXXX XXXX ) and applied to the Capital One credit cards ( all paid in full ). Please note that XXXX XXXX XXXX XXXX does NOT have an issue with the funds transferred to pay off my Capital One credit cards. The Capital One representative, hung up on me when I informed them that charging me interest on a ZERO balance is illegal and I planned to pursue legal action unless they removed the interest charges immediately. She refused to remove the interest charges until she spoke with my family member 's bank ( family member uncomfortable with that ). She stated it was " Capital One 's policy '' to get verification from the paying financial institution and until they had that, they would continue to charge interest ( again, on a zero balance - these cards were paid off XX/XX/2022 ). I informed them that it doesn't matter what their policy is. It is illegal to charge me interest for a credit card with a zero balance. Either they took the money from my family member 's account and did not apply it to pay off these cards ( where is the money? ), or they used the funds to pay the balance in full and are charging me interest ( on what basis? ). Neither representative I spoke with could answer any questions about the status of my account. 

To date, I have had two conversations with Capital One representatives attempting to resolve this matter. My requests for information about my account ( why they are charging me interest ) have gone unanswered. This month ( XXXX ), I was charged nearly {$170.00} ( see above and attachments available ) in interest. And as of this writing, I have been charged a {$40.00} late fee ( XXXX XXXX card ).
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. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX ( late payment ) High Balance : {$7900.00} Balance Owed : {$7700.00} XXXX  Original creditor/ XXXX XXXX XXXX XXXX {$23000.00} Experian Lists non-mailing addresses I have requested remove but I was denied when I called over the phone 2 weeks ago. The addresses are as follows : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Original XXXX XXXX XXXXXXXX XXXX XXXX {$23000.00} 15 USC 1681 Section 602 A states, I have the right to privacy.

15 USC 1681 Section 604 A, section 2 states, a consumer reporting agency can not furnish an account without my written consent or instructions.

15 USC 1681 c. ( a ) ( 5 ) states, no consumer reporting agency may make any consumer reporting containing any of the following items of information : Any other adverse item of information other than records of convictions and crimes which antedates the report by 7 years.

15 USC 1681s-2 ( a ) ( A ) ( 1 ) states, 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 that the information is inaccurate. 

I have not provided consent or instruction to any credit reporting agency ( XXXX, Experian or XXXX ) to report any of the data provided above, nor have I been given the option to opt out. This makes the information inaccurate.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" My name is XXXX XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS, INQUIRIES and BANKRUPTCY from my credit report immediately. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  Balance : {$7100.00}
Product: Credit reporting or other personal consumer reports

I am receiving information on MY loan solely through disputes & credit reports. Fay refuses to notify me of a seriously delinquent account & found out through searching on my own. The information I receive is INCOMPLETE, INACCURATE & totally unfair & a violation of my rights! 

This time, PLEASE focus on providing me with 24 months of COMPLETE payment history & send to MY address.
Product: Checking or savings account

I deposited a mobile check on XX/XX/2023 and my bank stated they would be available on XX/XX/2023. The bank is now trying to hold my funds for an additional XXXX business days and placed a hold on my account not allow me access to my money. The check was given to me by my older brother in relation to my fathers life insurance policy when he passed away a month ago and the check was my inheritance from his passing.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX 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: Checking or savings account

I am trying to withdraw my funds but the bank freezed the account.
Product: Payday loan

Company claiming to collect on behalf of a payday loan. Wo n't stop calling at all hours. Left threatening messages on my phone as well as my husbands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email earlier through XXXX XXXX was still working on the issue. At XXXX I received an alert there has been another change. Both accounts were settled same day with Sears not as reported by CBNA/SEARS through XXXX XXXX XXXX  for 3rd party disclosure adversely and drastically affecting my credit score within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan from Affirm for a new cell-phone that I needed for my work. The first payment I was suppose to make was on XX/XX/2023 for XXXX. The give you 29 days or less to pay the XXXX or they report it on your credit report and for the full amount of the loan you took out. They decided to report it on my credit report of XX/XX/2023 and killed my credit rating by having it drop XXXX points by reporting falsely to the credit bureau. In the contract I signed and even when I called the company I should have had 29 days of less to pay the XXXX before them reporting it on my credit report. When I also called the company, they didn't want to take any accountability and said it was XXXXXXXX XXXX fault for it being on the report which was a lie.
Product: Debt collection

FBCS attempting to collect medical debt under " parent '' XXXX XXXX 's XXXX XXXX in the state of IL. This is the correct information to the best of my knowledge regarding any hospital stay : Date of Service XX/XX/XXXX place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. acct XXXX Under Texas debt collection law Medical debt time barred is 4 years. A data breach was also noted at this facility which is under investigation XX/XX/XXXX ( network server ) via HHS.gov website. The Physicians who were PCP during stay also were noted to have a data breach under investigation XX/XX/XXXX ( hacking/IT ) via HHS.gov website. I am concerned that this company has taken action to collect a time barred debt to revive the debt. If my understanding is correct this can not be done in Texas. I am not sure who this debt company. I am an older citizen concerned and unsure of the changing rules regarding debt collectors along with data breach 's. I do know that I have not authorized XXXX XXXX XXXX XXXX XXXX XXXX authorization to share my legal or medical information. I believe this is a violation 1. time barred debt 2. possible HIPAA compliance 3. Stop before they report to consumer reporting agency 4. age/minority Thank you for your time
Product: Payday loan, title loan, or personal loan

I applied for the Loan and was waiting for a response or call because that whats the message read. Instead there was no call the money just appeared in my bank account. Once that happened I thought oh that was easy and it was like great because I needed the money but then the more I thought about it I was like something isnt right. I called and was notified that for my {$800.00} loan I would ne expected to pat back {$4600.00}. I looked at the payment plan that was sent and that 's where I learned the Apr of 540 % thats when i knew I was in trouble. Please help!!
Product: Debt collection

I filed a complaint against XXXX XXXX XXXX and they hired/ moved the account ( for which I have no knowledge of ) to Resurgent Capital Services. I called the number in the letter received XX/XX/XXXX and they stated that they knew there was a cease and desist, but I could revoke it verbally. This debt is not mine. I have no knowledge of this debt and I am being harassed by mail. Please assist with making this stop.