23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXXXXXX @ XXXX XXXX XXXX XXXX XXXX unit XXXX XXXX XXXX XXXX XXXX NC XXXX. 

On XX/XX/XXXX XXXX XXXX is saying I created an account for them to pay my rent mind you on same day this account fraudulently I opened by someone working at front leasing office desk I personally cancelled any and all transaction corespondents with XXXX. XXXX  XXXX takes there monthly amount out of my XXXX XXXX XXXXXXXX checking directly on XXXX of the month. XXXX  is claiming they have a signed contract by me which is impossible because I am not the lease holder on unit XXXX I just pay the rent so they could not use me to be held responsible for any monies owed to them. I pay directly to the XXXX and only the XXXX. I have direct proof XXXX  not only ended the closed and settled this account only to reopen it months later. If XXXX  XXXX  paid the XXXX a pro rated portion of rent my I XXXX XXXX pay the XXXX every month directly its XXXX  and XXXX job to work out what ever logistics to ensure there is no debt. Meanwhile XXXX  keeps reporting to TransUnion I am in default especially after admitting file was settled on XX/XX/XXXX and wrote a response to my first inquiry they do not know why the XXXX will not refund any money that may be owed. If anything it then should default to the two rentees on the lease XXXX XXXX and XXXX XXXX not me XXXX XXXX I dont even know how XXXX  obtained my information. Either way the documents submitted will show XXXX  had already admitted this was settled then admit XXXX will not cooperate! So which is it? Facts are I pay XXXX directly monthly through my Debit Card and I do not have anything set up with anything with XXXX.
Product: Money transfer, virtual currency, or money service

I instructed the purchase of 200 shares of stock in XXXX ( XXXX : XXXX ) through the broker XXXX XXXX XXXX on XX/XX/2020. 

XXXX XXXX XXXX instructed me to transfer the cash for the purchase to their account with XXXX XXXX XXXX. Accordingly, I transferred {$22000.00} ( {$22000.00} for the shares plus broker fees of {$220.00} ) from my account at XXXX to the account # XXXX of XXXX XXXX XXXX with Wells Fargo. 

Since that time, I have become aware that XXXX XXXX is a fraudulent bucket shop. Evidence is here : XXXX XXXX XXXX  I have also become aware that XXXX XXXX  XXXX is engaging in fraud.Here is the evidence of the fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX So I am now reporting to you that Wells Fargo is providing account services to a company engaged in securities fraud : XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX , CA XXXX The account is with Wells Fargo Bank XXXX , XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX XXXX and Experians investigation.
Product: Credit card or prepaid card

Chase Slate, I am POA and Legal Proxy for XXXX Aunt. We have a Special Needs Trust where the money is held by Chase Bank and linked to my personal accounts so I can pay my aunts bills. My aunt also has a Chase Slate card where her personal care attendants fraudulently charged to her card in XX/XX/XXXX. I have been try to pay her bills and get access to her Chase credit card so I can dispute the charges. All legal POAs and Trust docs were submitted to Chase Legal through XXXX XXXX at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, AZ on XX/XX/XXXX. Today, I still have no access to the Chase Slate card. Chase linked the Special Needs Trust to my account but refuses to link the Chase Slate credit card for me to dispute the charges, get copies of statements and do other things I am required to do as her trustee. Legal docs refaxed on XX/XX/XXXX per XXXX to XXXX. Complaint submitted by Chase official to upper mgmt. again on XX/XX/XXXX when I spoke to XXXX, who forwarded me to acct supervisor, XXXX. Today, XX/XX/XXXX, I am  on the account as legal POA but have no way to access the account via computer to get copies of XX/XX/XXXX statements or dispute charges. Do n't understand why Chase will allow all of her money to be linked to my account, but not allow me access to her credit card to dispute fraudulent charges. My aunt is XXXX and only has use of XXXX XXXX. Please help!!!
Product: Checking or savings account

Received attached mailing from Citizens offering a financial bonus for setting up a new checking and savings account. Opened a checking account on XX/XX/XXXX. Made two direct deposits on XX/XX/XXXX in amount of {$500.00} & {$15000.00}. 

Mailer says that accounts opened in XXXX that made the qualifying deposits would have {$300.00} bonus paid by XX/XX/XXXX. As of yet, this bonus has not been paid. 

Below is the record of my conversation with Citizens : Tuesday, XX/XX/XXXX - Called at XXXX ; was offered a call back due to high volume wait times; left number for call back - Received call back at XXXX from XXXX. Explained that I had not received the {$300.00} bonus with the account I had opened in XXXX. I was asked where I got the code I informed them it was a mailer addressed to me with my name on it. Was asked to hold as they looked at account history and contacted promotion department. After a few minutes was informed that a case was going to be opened and sent over to the research department. Case # XXXX and it would take 3-5 business days. 

Thursday XX/XX/XXXX - Received call at XXXX from XXXX that my case was reviewed and it was found that I did not qualify for the bonus since I had a previous account with Citizens back. That was all the information I was given. 
- I reviewed my records to see if I had an account that would disqualify me. I could find no record of having an account.Called back at XXXX ; was offered a call back due to high volume wait times ; left number for call back - Received call back at XXXX ; I stated I was calling to get more information on the previous account that was under my name since I had no records of it. I was told that there were no other accounts under my name and she did not understand what I was referring to. Explained again the information I had just received from XXXX. She put me on hold and looked again. I was told there was a savings account opened XX/XX/XXXX and closed in XXXX. I asked for the account number and was told that information could not be given over the phone. She then asked me who was XXXX? I stated XXXX is my last name. She said the account on file was listed as XXXX XXXX. I said I was not XXXX XXXX. I was put on hold again and informed that the account was either a savings or business account opened XX/XX/XXXX and closed XX/XX/XXXX. I stated again I was XXXX not XXXX. I was told because of this account I was not eligible for the bonus. I stated I would take this another route by reaching out to consumer protection financial bureau.
Product: Debt collection

I paid XXXX XXXX XXXX On XX/XX/XXXX I paid XXXX for my account with Ally XXXX confirmation number So Ally reported to XXXX I made a partial payment that took my credit score down XXXX points this is in correct Will you help me to finally complete this item off my credit.
Product: Money transfer, virtual currency, or money service

i am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX XXXX I reviewed my installment loan to determine what the remaining balance was. When I logged on to check the balance and then make a payment, I noticed the outstanding amount showed as though there were XXXX missed payment and the account was in current status. Upon calling Upstart on XX/XX/XXXX, I spoke with a XXXX and she provided me with as much info as possible, but was unable to articulate what the balance consisted of. I was made aware that the loan wouldnt mature on XX/XX/XXXX due to a 60 day COVID deferrment which I agree with. However, I asked as to why the remaining balance still showed as though there were additional missing payments. She stated taht she would have someone review and return to me with a response. Fast forward to XX/XX/XXXX and I get an email that basically stated the same thing the young XXXX XXXX on XX/XX/XXXX. It still didnt give me any details. So I called in on XX/XX/XXXX to discuss with someone and another XXXX, XXXX, answers. He initially tries to assist me. Then details that its daily interest. I ask for more substantive details and whether a copy of the loan docs can be provided to me via email since on XX/XX/XXXX I had an issue retrieving them from the online portal. He proceeds to get frustrated and tell me thats where the docs are and I continue having to articulate that I had an issue retrieving them which is why Im asking him if he can facilitate the request. XXXX proceeds to get upset and then use choice words; telling me that he wont provide the docs to me and that im a habitual late payer, so forth and so on. As he became unhinged, I proceeded to record his ranting. He then hangs up on me. I requested the documentation because there has to be substantiation as to why if no payments have been missed, regardless of whether paid late or not, taht there would be interst in the amount of an additional 3 payments. And they should be able to articulate any and all balances as well as provide substantive evidence supporting such to borrowers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX This company is reporting on time payments that were never issued in order to re-age this account and make it more appealing to collection agencies. They aree claiming to have recieved payments XXXX, XXXX and XXXX of XXXX. I would have made no payments to this account during this time. They are also reporting on time payments fro, XXXX XXXX XXXX thru XXXX of XXXX. This information is false as I would not have been able to make any payments during this time period. I have request proof and method of these payments and have been ignored.
Product: Credit reporting or other personal consumer reports

I requested information from the creditor and have not received anything.

Please have this company upload the following documentation : Last XXXX  months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Debt collection

In reviewing my credit report, I noticed a derogatory claim by a company named Receivables Performance. I contacted the company and in verifying the information they had on file, the have an incorrect address. This explains why I did not receive collection notifications.
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. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX} - HAS VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

I was in a horrific car accident that killed the other XXXX people in the car with me. That being said. XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX  and had to have XXXXXXXX XXXX and a XXXX XXXX XXXX XXXX XXXX XXXX During this time a friend of mine tried contacting my business affairs to get some help so accounts did not become past due. But as you know unless the credit card company is given permission to speak to them they cant. Life happens. So XXXX day after I get home from the XXXX I start making phone calls. Now mind you Im still on XXXX XXXX XXXX XXXX and XXXX  a lot but I called discover card and explained that this happened and went over my excellent payment history and they waived some late fees and I paid off the entire balance. Well then I noticed fraud on my account, so talked to them about that, and got anew card mailed out to me. When I got my card it would work after activating it, so I call discover, and then Im told I need this income form form irs filled out and notarized. So I spent the last couple of days trying, to get that done, I have not been able to, so I call today and told I dont need that form anymore cause, y account was closed due to a business decision. So tell your customer to pay off the balance to catch a break from past due fees and interest and then be sneaky and close there account for no reason?
Product: Checking or savings account

Citizens bank has been holding my account since XX/XX/2021, and wont let me close it or release the funds. I was told to come into an office and Identify myself. Which I did & funds were not released after that. I have filed reports with the XXXX  and also spoke to reps at the bank and branch. They are holding my account with a freeze, but charging me monthly maintenance fee 's. This has been going on for over a year. Ive also obtained outside legal help with this and been told to follow procedure here. My niece is also on the account with me, and her funds are also in a limbo status
Product: Credit reporting or other personal consumer reports

It is beyond frustrating to discover an unauthorized inquiry on my credit report this morning. I routinely check my report, and this unexpected issue is deeply concerning. I even attempted to refresh my browser, thinking it might be a glitch, but the inquiry remained. I need this fixed right away. Please verify the documents I have sent so that I no longer have to deal with this unnecessary stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit report I noticed that there are addresses that are not mine showing. I would like the following addresses deleted.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information is not accurate. The following addresses and the variation on my name are not accurate. My name is XXXX XXXX XXXX, please delete all other variations. AS WELL AS Reoccurring Vehicles that continue reflect on my credit report associated with this address XXXX XXXX XXXX I HAVE NEVER OWNED A XXXX. XXXX, XXXX XXXX XXXX XXXX WI XXXX I am no longer affiliated with these addresses. I would like to have my credit report to reflect true up to date that is accurate my current address XXXX XXXX XXXX , XXXX XXXX, OH XXXX I AM SELF EMPLOYED AS XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to work with XXXX XXXXl regarding an account reporting on my credit reports as a result of Identity Theft. I have submitted numerous disputes and inquiries with the creditor, as well as the corresponding credit bureaus regarding this matter and have been unable to resolve it. This was first reported to XXXX XXXX over 6 months ago. They always claim their is " insufficient evidence to support my request. '' I have attached their most recent correspondence as well as my notarized paperwork I have both faxed and mailed them in response.
Product: Mortgage

We have been working with our mortgage lender, Select Portfolio Servicing Inc. XXXX SPS XXXX, to get a loan modification since XXXX of 2014, unfortunately we have been denied twice. Since I was laid off of work in XXXX of last year, we applied to Keep your Home California ( KYHC ), only to find out that we did not qualify because they stated that SPS told them that we were approved for their Unemployment Assistant Program. I called SPS and they assure us that we where approved for the unemployment program, and to wait for " the letter '', this was back in XXXX of this year. Since then I have called every week and spoken to multiple representatives who have contradicted themselves over this issue. We lost assistance from KYHC because SPS claimed we were approved, then we were told that we were not approved that it was still pending, one of the supervisors said that in the computer notes it showed that we were told that we were approved without confirmation by the loan resolution department, when I asked to talk to that department, they said that they do not talk to clients directly. Last time I called a supervisor told me that he would escalate our case and we should have a definite answer by this Friday, that someone from the resolution department would contact us. I am soooo upset because we lost 2 months of assistance from either of the programs.
Product: Checking or savings account

I have been trying to link my PNC account to money savings apps like XXXX and XXXX. PNC wont allow me to do this even with the proper verification.
Product: Debt collection

Since XXXX of XXXX I have been contacted multiple times via telephone by a debt collecting agency, Americollect. They have been contacting me about an outstanding radiology bill in the amount of {$1800.00} from XXXX XXXX. That bill was generated from a hospital stay at XXXX XXXX XXXX XXXX in the state of Florida from XX/XX/XXXX-XX/XX/XXXX.The information Americollect had was my first name, maiden name, and my date of birth. My maiden name has not been my legal name in 12 years nor have I used my maiden name in the past 12 years.The address they have on file for me is not my address nor will you find any record of me residing at or near that address. I have never traveled to the state of Florida or have ever been hospitalized and needing radiology services. I have told several Americollect customer service reps including a supervisor that they have the wrong person and this is not my debt. They kept wanting me to give them my social security number to look into the matter further and I declined. I have not heard from Americollect in almost 1 year so I thought that this matter was taken care of and they moved on with their hunt.. On XX/XX/XXXX when I was doing financial business I was made aware that Americollect had entered 7 counts of unpaid debt to my credit report. Americollect has no proof that this debt is mine and did not have the right to make negative marks on my clean credit report.This has caused defamation to my name and a financial hardship. I have a police report and several personal documents confirming I was not in Florida or hurt in a hospital getting radiology services on the dates listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently disputing inaccuracies on my report with XXXX, along with unauthorized inquiries to my report, but this complaint is to address all XXXX bureaus in accurate reporting of my utilization credit availability which affecting my score drastically. I have XXXX in credit, and utilization of XXXX across all avail credit which is less than 5 % but they are reporting 101 % utilization which if affecting my credit score drastically. Can you assist me in correcting this issue I have addressed it multiple times. 

Thank you in advance
Product: Debt collection

They never verified the identities of neither me nor my wife and make sure that there's legitimate purpose for receiving these non stop calls over an XXXX XXXX XXXX debt that was resolved. It was resolved and the only way they would allow us to port our numbers to a new carrier. I feel this is a violation of my rights and privacy and need a resolution.