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

On XX/XX/2023, I placed a check to the IRS into a USPS blue mailbox in the amount of {$90000.00}. The check was stolen, forged and cashed the next day by a person unknown to me. I reported this fraud to Truist on XX/XX/XXXX, and my claim was immediately denied because the bank said I failed to report the fraud to them within the required timeframe. Truist carelessly gave my money to a criminal by way of a blatantly obvious forgery. The level of security Truist and the cashing bank displayed regarding this forged check was XXXX. No one from their fraud investigation department or collections department has contacted me regarding the incident. Truist failed utterly to protect my money ( the primary purpose of a bank ) and has no intention that I can see of reimbursing me for their failure. If this is indicative of the care that banks take with paper checks, then banks should no longer be in the business of processing paper checks, or the government should ensure that they are liable for fraud when their security procedures are so easily defeated. The Truist Claim # is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with National Credit Adjusters was paid in full. ( See attached ). The loan was a payday loan from The XXXX XXXX XXXX {$1300.00}. It is showing closed and with a XXXX  balance from the attachment from XXXX XXXX that was reported by XXXX. It is still showing in collections from XXXX XXXX, XXXX, XXXX, and XXXX. I called the ( 3 ) credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections. I mailed the ( 3 ) credit bureaus the paid in full letter. I would like help of removing it from collections on all ( 3 ) credit reports. Thank you very much.
Product: Debt collection

( This complaint is being generated by the consumer to whom it concerns. ) on XX/XX/2022 I, the original creditor, consumer and Natural person checked my credit file and became aware of a third party debt collector furnishing an alleged debt to my consumer report in the amount of {$220.00}. WAKEFIELD AND ASSOCIATES is and has been furnishing negative information on my credit report without my lawful authority and is in violation of 15 USC 1681s-2 ( 7 ) E. WAKEFIELD AND ASSOCIATES it is a third party and has no standing to deny my claim. I am aware that WAKEFIELD AND ASSOCIATES can be held liable for any violations that they have committed pursuant to 15 U.S. Code 1640 and I intend to hold WAKEFIELD AND ASSOCIATES liable for these violations. I have reasonable cause to believe WAKEFIELD AND ASSOCIATES is a debt collector furnishing an alleged debt to my consumer report as a means of coercing me to pay this alleged debt and further extort me and cause harm to my credit reputation. I am aware that collection of extensions of credit by extortionate means is a violation of 18 USC 894 and carries a criminal liability of up to 20 years. I have reasonable cause to believe WAKEFIELD AND ASSOCIATES HAS VIOLATED THE LAW knowingly and without remorse. Furnishing knowingly fraudulent information such as collections is a violation of 15 USC 6821 ( a ) ( 2 ). I am aware that 15 USC 6823 ( a ) states whoever knowingly and intentionally violates section 6821 shall be fined under title 18 or imprisoned for up to five years or both. I have reasonable cause to believe WAKEFIELD AND ASSOCIATES is in direct violation of 31 U.S. Code 3729 - False claims.
Product: Credit reporting, credit repair services, 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 Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX 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

On XXXX I was contacted by my debit card company, XXXX XXXX XXXXXXXX, asking if I approved an Instacash withdrawal. I had not approved or had knowledge of this transaction or Money Lion Instacash company. XXXX suggested that I cancel my current debit card with XXXX as it appeared that someone unknown to me had my personal information and had made this transaction using my information. XXXX cancelled my debit card and issued another card. On XXXX, I noticed another debit on my BOA account by Money Lion Instacash that I had no knowledge of. On BOA advice, the account ( not just the debit card ) was cancelled by XXXX, funds from that account were transferred to a new account and a fraud claim ( # XXXX ) was started and completed with XXXX, concluding that these were fraudulent transactions. I was advised by my Fraud Identity professional ( XXXX XXXX XXXXXXXX XXXX  ) not to contact Money Lion regarding this until I received a debt collection notice from them. I had never received correspondence from Money Lion regarding opening this account or being delinquent on the account ( that I did not open ). My credit report now shows that I have a delinquent account which is adversely affecting my credit for an account that I did not open or authorize. I have called Money Lion to inquire about this account, and notified them that I did not open this account. They will not give any information that I request such as " my '' mailing address, email address, or contact information on their file. I sent an email to them with the police report that I initiated with XXXX XXXX Sheriff Department but have not received any correspondence from them in return. ( The police report was filed XXXX but due to back ups in their system was not released to me until XXXX ) Please help me resolve this. I have attached corresponding documents. Please let me know if you require any other documentation. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXX XXXX  has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX  has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Product: Debt collection

Commonwealth financial is on my credit report in the amount of {$1000.00} for what looks like a medical debt but not sure where its coming from.
Product: Checking or savings account

Wells Fargo, has decided out of nowhere to close my banking account saying a risk, however, upon requesting information as to how, their response back to that was ; you legally with in your rights to do this, disputed XXXX charges. which by legal law is what we're supposed to do, if it's not legitimate, something is wrong, etc ... .. that was Wells Fargos response, and for nothing other. So, banks are just now legally allowed to shut folks banks down for legally reporting valid claims? that makes zero sense. and now these banks just run credit checks, through a website and even though you have nothing to deny you opening a checking account, you get denied. even ordered the report, theres nothing negative on their. someone please do something about banks being able to do these sort of things to people, before they continue to do this too a lot more folks. its not right, and should be illegal.
Product: Credit card

My spouse transfered the balance of.my card to hers for interest free promotion. The amount of {$2900.00} was credited to the wrong account. I requested the amount be credited to the correct account which was not done. I asked for a refund of the amount and the credit was removed in full but not sent to the originating account nor was it issued in a check. This occurred in XXXX and the last conversation I had, after being hung up on by the first representative, I was assured that the redit would appear on the XXXX billing statement. This has not occurred. Clearly Citi intends to defraud me of {$2900.00} as well as the interest incurred on the account as a result of thier fraudulent activity.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and were unauthorized : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

claim Number XXXX. This complaint is in regard to an unautorized charge on my account. I authroized XXXX to take out 4 payments of XXXX. They took out a payment of XXXX then a pyament of XXXX which is not what I agreed to. Here is a screen shot from my XXXX account supporting my position the first payment was charged correctly but the second payment was not. XXXX XXXX XXXX changed me to out of state by mistake but XXXX keeps trying to charge me the incorrect amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX until XX/XX/XXXX I have acquired XXXX hard inquires on my credit report. I have mailed, called and emailed Equifax several times ask them to remove these hard inquires because I never applied for anything. I have been a victim of the XXXX data breach of Equifax. Equifax is in direct violation of my Fair Credit Act : 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
While there is a section 604 in the Fair Credit Reporting Act ( FCRA ), this section outlines the limitations on when an external entity can pull your credit report and does not cover any subject matter that could help you improve your credit, through a dispute or otherwise.
Product: Student loan

In XXXX I enrolled into the XXXXXXXX XXXX XXXXXXXX Diploma Program from XXXX XXXX XXXX, which prior to being shut down due to fraud, was based in XXXX, XXXX.I was at this school from XXXX XXXX XX/XX/XXXX. In order to pay for the program, the school had me take out student loans. One was a federal loan ( {$6700.00} ) and the other a private loan through Navient Solutions ( {$27000.00} ). 

Recruiters from XXXX XXXX XXXX misrepresented to me the career outcomes of students who complete their program and provided false information about the career services that they would provide to students once they completed the program. They said that upon completion, students would be able to find well-paying, full-time careers related to the program of study. The recruiters also promised that students would receive robust career support as they looked for a job upon completing the program. This supposed support was said to include help getting connected to employers that the school had a relationship with and being referred to full-time well paying positions. These two reason were pivotal to me deciding to attend the school. Upon completing the program, I sought to receive career help. The only support I received from the school was to get connected with a few temporary part-time gigs. While I took these opportunities, I continued to see if they would be able to connect me with full-time opportunities, as they promised. However, they never provided such opportunities and eventually they told me that there were no employers who were hiring. 

I no longer went to receive their help and began looking for employment opportunities myself. I continued to apply to jobs that were related to my field of study, but soon found out that I did not meet the qualifications for these jobs. Apparently, the education that I received from XXXX XXXX XXXX was insufficient to get a career in the field. This was another false claim made by the school that I discovered soon after completing the program. Unfortunately, I was never able to find a fulltime well-paying position and have been stuck in debt with the loans that I took out in XXXX which has grown to over {$25000.00}. Again, if the recruiters from XXXX XXXX XXXX did not provide me with false promises about my career prospects and the support they would provide to me upon completion of their program, I would have never attended their school.
Product: Debt collection

I recently looked into my credit report and seen that a capital one card was put in my name not only that but maxed it out. I was not sure why my credit score was so low until I realized someone opened an account in my name fraudulently. My ex boyfriend knew all my information so he is who I think is responsible but it was opened without my knowledge and consent so I followed the steps on my credit report on how to dispute and there was an investigation but they didnt do anything about that account on my credit they are saying its mine but its not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with the 3 major credit bureau since XXXX last year I have told them numerous times that I am a victim of identity theft. Experian is the only bureau that will not remove these collections from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been contacted with both FTC and police report and asked them to cease all reporting and collection immediately and they still are reporting fraudulent collections to my experian credit report.XXXX and XXXX  has already removed and ceased all reporting and collections of these two fraudulent accounts from my credit report. I have spoke to fraud department through experian, they have all of my information as well as the FTC and police report concerning identity theft. I am making a complaint and these accounts need to be immediately removed from the experian account. I have asked for debt validations from the companies and they have no actual proof of anything. I have no court documents because these account does not belong to me.
Product: Consumer Loan

Went in XXXX 2016 applied for vehicle loan, left with vehicle dealership needed more information a week later gave in mean time received a denial letter from finance company and as of yet still have n't received any information from finance company to pay my loan was told from dealership on XXXX XXXX 2016 everything was finally worked out
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX, XXXXXXXX XXXX  XXXX, has violated my rights. I looked at my Equifax credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

Over the past year I have been trying to get an accurate credit file. I had no response from Equifax other than " verified '' without any proof, so in XXXX and XX/XX/XXXX I sent multiple Affidavits and Notices by certified mail stating the incorrect addresses, names, and accounts that are reporting in error and are not associated with me. Equifax has ignored all attempts to correct my credit report and are violating 15 UCC 1681, 15 UCC 1681b, 15 UCC 6802, 15 UCC 6805, as well as the 1974 Privacy Act. By continuing to report these accounts that are not mine, incorrect, or sold ( a sold account is now income for the company and can not be reported on a credit report ) - Equifax is guilty of racketeering, mail fraud and violating the RICO Act of 1970.

UCC 1-308 Without Recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed bankruptcy- Chapter XXXX in 2011. It is still showing up on my credit report. I have applied for a federal job and this might be a cause to not being eligible. All three credit companies still have this on my report. According to Georgia Bankruptcy court, this should have fallen off a while ago and they do not have control on what they report on.
Product: Debt collection

Bridgecrest Acceptance Corperation does not follow The Truth In Lending Laws 15 usc 1601.This is another refusal to pay, I feel like my privacy as a consumer has been breached at this point. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX Bridgecrest Acceptance Corporation XXXX They are wrongfully trying to benefit from my open end credit card that I used to initiate this consumer credit transaction. This is also another written refusal to pay. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved XXXX XXXX XXXX  When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I disputed the debt and asked how was it valid and to verifiy it, they never told me who the name an address of the original creditor is pursuant XXXX XXXX XXXX ( XXXX ) ( b ). They just sent me a letter telling me its valid and they verified it. That is not validation by federal law. This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law.
Product: Credit card

I purchased a refrigerator and a cooking range from XXXX in XXXX, AZ around XX/XX/XXXX which was charged on a Wells Fargo credit card issued through the retailer. The terms of the finance was Zero interest if full purchase amount was paid within 12 months of purchase which was XX/XX/XXXX ( " Expiration Date '' ). The total purchase price for both appliances was {$2700.00}. 
These appliances were purchased for my new house where I did n't move until XX/XX/XXXX. Due to the various activities involving the move and due to the issues with mail forwarding, I was behind in attending to my mail. As a result I did n't make the payment for the first two cycles on time but did pay them a few days later by phone along with late fees of about {$25.00} each time. I was told that my account is now current and as long as I made the full remaining balance on my account by the Expiration Date, I would no longer pay any interest. In order to ensure no more delays, I scheduled regular payments on my bank 's bill pay system so that payment gets sent each month on time and the full remaining balance is paid before the Expiration Date. Below is the schedule of all payments made : Date AmountXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXTotal Paid $ XXXXPurchase Amt. $ XXXXFees Paid $ ( XXXX ) Wells Fargo however kept carrying a balance of {$10.00} on my account and then charged me interest on it even after the last payment was made on XX/XX/XXXX. When I called them, they corrected the mistake but also closed my account and reported it to the Credit Bureaus as late payment for the month of XX/XX/XXXX. While I made the full payment of {$2700.00} before expiration date and paid them late fees for the first couple missed payments, they have taken the wrongful action of closing my account and making derogatory submission to the credit bureaus, when the underlying cause of this was **their mistake** of having left over fees on my account.