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

Subject : Dispute of Fraudulent Account Reported by ZuntaFi and XXXX I am writing to formally dispute an erroneous and fraudulent account that has been reported to my credit file by ZuntaFi. According to ZuntaFi, I have an installment loan agreement related to a transaction they claim was made with XXXX. I want to categorically state that I have no association with either ZuntaFi or XXXX, and I dispute the validity of any agreement between myself and these entities. 

It is my understanding that XXXX is a fraudulent operation, and therefore, any claims of an agreement or loan arising from this transaction are completely invalid and unenforceable. I have not entered into any agreement with XXXX, nor have I authorized ZuntaFi to report any such transaction. 

As such, I demand the following actions be taken immediately : 1. Cancellation of any and all accounts or transactions associated with ZuntaFi and XXXX. 
2. Removal of all negative information related to this fraudulent account from my credit report. 3. Terminatio n of any further contact or attempts to collect on this fraudulent account from ZuntaFi. 

This matter is of serious concern, and I request that you thoroughly investigate the situation and take prompt action to correct my credit report. If additional documentation or information is required, please notify me promptly so I can provide what is necessary. 

Thank you for your immediate attention to this matter. I expect confirmation that this fraudulent account has been removed from my credit file and that no further actions will be taken by ZuntaFi in connection with this issue.
Product: Checking or savings account

On or around XXXX XXXX XXXX upon arriving back from my work XXXX as a XXXX XXXX I discovered that my personal information had been used to obtain credit and goods without my authorization. During the duration I was in contact with law enforcement and Wells Fargo and eventually given a law enforcement report ( XXXX ) including but not limited to three separate supplemental reports outlining additional forgery and identity theft surrounding stolen checks and my compromised identity. 

Moving forward and over the duration of the next several months I was forced to close several banking accounts, place blocks on my personal information with all major credit bureaus, and constantly monitor my personal information and financial institutions for a breach, not to mention the time I have had to take off work to address. 

On XXXX XXXX XXXX XXXXXX/XX/XXXX I contacted the Wells Fargo Fraud Department to notify them of my recent review of my bank statements online and my discovery of several checks which were not authorized or signed by me. Having previously gone through this, Wells Fargo continues to not assist clients when fraud occurs and usually refers clients to their depository handbook in an effort not to reimburse the theft and monies placed in the care, custody and control of Wells Fargo. While on the phone outlining to the fraud department that the following check ( s ) made out to the same person were check ( s ) that were originally stolen in law enforcement report ( XXXX ). Additionally with the assistance of the fraud department we found the following checks to have been forged : Check XXXX Date : XX/XX/XXXX Amount : {$6400.00} Check XXXX Date : XX/XX/XXXX Amount : {$1200.00} Check XXXX Date : XX/XX/XXXX Amount : {$2400.00} Check XXXX Date : XX/XX/XXXX Amount : {$3500.00} Check XXXX Date : XX/XX/XXXX Amount : {$6500.00} Upon reporting this ongoing fraud, I was given a reference number ( XXXX ) and told I would receive information in the mail including but not limited to a provisional credit while this matter was investigated. We are now sitting on XXXX XXXX XXXXXX/XX/XXXX and I have not received any further correspondence. Since this theft has occurred my personal and business accounts have been overdrawn and Wells Fargo has done very little to make my accounts hold and return the monies. In addition to not supplying the mandated paperwork they have failed to conduct any type of investigation and the harm this forgery has caused is undetermined at this time.
Product: Money transfer, virtual currency, or money service

XX/XX/2020 i was online looking at houses and they had contacted me via email and told me that they owned the house and after looking at my info they then told me i was accepted as their new tenants. they sent me a copy of the lease and we both signed then i gave them the {$1800.00} and was told i can move in on XX/XX/2020. XX/XX/20 comes along and no one is answering or texting back or even emailing back. i never got the keys. i then drove by the house and other people were moving in. my boyfriend and i tried to knock on the door and talk to the people in the house but it looked like no one was there. i have a copy of a " rental agreement '' signed with us both. They said that the one husband got a job offer in Nevada and that they had to move and just wanted a family to take care of their house while they were gone. i tried to call my bank ( Chase ) to get it was resolved but since its Saturday they were closed and said to call back. im not sure if i can even get the {$1800.00} back and i really need that to put down on a down payment for a house or apartment. im a single mother that gets no help from my sons biological dad, this is all i had in my savings
Product: Credit card or prepaid card

I have a card that I get money sent to as rewards from a manufacturer we use. Back in XXXX XXXX XXXX XXXX I got into that account and found that there were {$340.00} in fraudulant charges on the card. I filed a dispute that day ( XXXX ), case # XXXX or it could be XXXX XXXXXXXX ( I can't read my own writing lol ) I called back in XXXX to check the status of my dispute and nothing had been done. I called back again on XXXX, and still nothing had been done. The gentleman on the phone said he would escalate my case and that I should have an email in 24-48 hours. It's now XX/XX/ and I have never heard back from anyone, nor have they refunded my money. This company just completely ignores their customer when there is problem, and that's if you can get through to someone. That's a nightmare in itself. 
The website on the back of my card is MyPrepaidCenter.com and the phone number is XXXX and the card that I have is a XXXX XXXX XXXX. Please feel free to call me if you need further information. 
Thank you XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I bought a couch from XXXXXXXX XXXX XXXX and leased through acima. Once I couldnt make the payments anymore after the 90 days because the balance doubled from {$700.00} turned into {$1700.00}. Acima then will text you and say return the furniture to the store but the store wont take it back. They even lie and say they dont run your credit when you fill out the application. My account is closed but they still are trying to get a payment but you can access your contract online. To see what is owed. I purchased the couch in XX/XX/scrub>XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : {$6800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I continue to receive collection emails from Nelnet for a debt that does not belong to me. I also informed them several months ago that I am actively participating in a Chapter XXXX Bankruptcy plan and that they are breaking the law by sending me collection notices -- especially since I never signed anything agreeing to pay for my son 's school tuition. 

I demand that they cease sending collection letters and cease their threats to increase collection efforts. I am filing this complaint because I am fed up with their insistence that the debt is mine without providing any evidence and that they continue to defy the US Bankruptcy laws. My greatest fear is that they will try to place a collection on my credit reports and I am filing this complaint to prevent that possibility as well. 

I have attached copy of letter I sent to Nelnet several months ago and copy of my Chapter XXXX information. These folks are despicable and need to be warned that they are breaking the bankruptcy law as well as illegally accusing me of a debt that I do not owe. 

Thank you.
Product: Credit reporting or other personal consumer reports

Account : XXXX XXXX XXXX XXXX Advantage account XXXX Account : XXXX XXXX XXXX account XXXX Account : XXXX XXXX XXXX account XXXX Account XXXX portfolio recovery assoc The Bank of Missouri account XXXX 15 U.S.C 1681 section 602 A states I have the right to privacy and confidentiality under 15 usc 1681 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 crime which antedates the report by more than seven years 15 U.S.C 1681 s-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: Mortgage

I am writing this complaint on behalf of my promissory note along with all the paperwork or documents signed at closing here and a state of South Carolina. Going over the documents of a new loan modification I noticed that something was wrong on the documents so that let me to start doing research on these documents in every kind of sources, links and informations. One of the major things that I found out that state laws of South Carolina, is that when you are doing a closing to buy a home or loan modification there shall be present an notary and attorney that 's going to represent both parties and also XXXX witnesses, I definitely understand that this never happened. I understand that I was not given a full disclosure and that the bank fail to do so. I have the original documents that I signed with the notary. The notary sign my copies same as the ones that are or were going to be presented to the bank. Keep in mind there was never an attorney present nor witnesses, except for the one I had present. The conclusion of the closing when all paperwork and documents were signed I signed my wife sign and my mother in law was my witness and the notary signed as a witness as well and then notarized the documents. From that moment I noticed that something was not right. After the 10th day the bank send copies of the closing documents which I noticed that my original copies did not match the banks copies when it came about the witnesses, notary and the signatures. With all the research that I have been doing with TILA, RESPA, Full Faith and credit, Fair debt collection act, XXXX XXXX, USDA IRS and now CFPD gathering all this information makes me understand that the bank has committed fraud and deceptive practices, along with fabricating fake documents, fake notaries, fake witnesses, robo signature, due to an unlawful, illegal, fraudulent, discrimination, and misleading by the bank I demand under the full faith and credit section XXXX that all conventional or individual loan guarantee are back by 90 %. Therefore to surrender or release all documents related to my property including satisfaction Of the security instrument. ( NOTE ).
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally file a complaint against US Bank regarding their refusal to close my bank account despite multiple requests. Below are the details of my account and the issues I have encountered : On XX/XX/XXXX I opened an account using my mobile phone On XX/XX/XXXX i deposited a check of XXXX $ from the XXXX XXXX California department XXXX XXXX XXXX XXXX Check number XXXX I deposited the check thinking that everything was gon na be good once I came out of my XXXX. They held the check for more than a month sending me a letter that it was going to be available on XX/XX/XXXX. They send me a debit card and a pin number But when I try to activate the debit card it denied I had to call several times to fix the issue by providing all my information as my Social Security number and my date of birth my address And Having all this information of verification, my phone is on file with the account number, so that will be XXXX ways of verifying me, and they still denied the closure of my account or unlocking my debit card I called several times customer service I have dealt with department several times that they dont know what to do and all I want is for my funds to be available so that I could pay for my medication right now that I have a XXXX XXXX and health condition I have told them that I can not go to the branch at the moment because I am in the XXXX  and I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX specially because of the pain of the meds and because its really overwhelming at this point to be going back-and-forth to the bank just to make someone happy over there. I spoke with several customer service agents and fraud agents And some of them dont even know why my account is locked. Ive been telling them that I can not walk because due to a recent XXXX  XXXX, I am XXXX  XXXX  and undergoing XXXX XXXX which makes it extremely difficult for me to handle in-person banking activities. I have made several attempts to close my account remotely by contacting US Bank through written and verbal communication, but my account remains open. And they wont let me get to my funds or close my account. 
I have ensured that all pending transactions and balances are cleared and have requested that any remaining funds be sent to me via check. To the address on file and Despite this, the bank has not complied with my requests. 
I seek your assistance in resolving this matter promptly as it is causing me considerable distress. I would appreciate if the CFPB could intervene to ensure that US Bank closes my account and returns any remaining funds to me as requested. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently found that there are several inaccurate items on my credit report that do not belong to me. I do not have a record doing business with these companies. If these items are not deleted off my credit report immediately, I will be forced to contact a consumer rights XXXX XXXX  and XXXX  on the basis of defamation of character and denial of credit. I have documented all correspondences with The Credit Reporting Agencies XXXX XXXX, Experian, XXXX ). Please remove these inaccurate accounts, as you know they are in violation of the Fair Credit Reporting ACT Section 609 ( B ), FDCPA Section 807 Violation of False and misleading representation. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT DO NOT BELONG TO ME, UNAUTHORIZED INQUIRIES AND AN ACCOUNT THAT SAYS CHARGE OFF THAT IS IN ACCURATE, SEE LETTER OF EXPLANATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX  are allowing XXXX XXXX XXXX  to report false information on my account, and is allowing XXXX XXXX XXXX   to keep peoples account open even though the accounts XXXX XXXX XXXX XXXX and account XXXX XXXX XXXX XXXX
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. 
Conns Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, Capital XXXX Account # XXXX, XXXX XXXX  Account # XXXX and XXXXXXXX XXXX Account # 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 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

XX/XX/2023 XXXX XXXX XXXX XXXX is being reported inaccurately and has disputed the report and still appears XXXX balance but reported negative
Product: Checking or savings account

Wells fargo between XXXX thru XXXX over draft fee
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} Federal Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy Federal XXXX XXXX Bankruptcy Court Chapter XXXX Bankruptcy XXXX Chapter XXXX Bankruptcy XXXX Bankruptcy XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I had applied for Public Service Loan Forgiveness in XX/XX/2017. Before leaving for the XXXX XXXX that month, I filled out the appropriate forms and spoke with a friend representative on the phone to clarify everything and she said everything was cleared and my time in the XXXX XXXX would count towards my 120 monthly payments to forgiveness. I left XXXX XXXX after 7 months and called my provider to let them know of the change, the representative said it was ok and those payments would count. I am currently working for a non profit organization and called to check in with my provider when online it had said I only have 1 payment so far that would count towards the XXXX. This representative let me know that because my loans were not in the repayment period of while I was in the XXXX XXXX, none of those payments would count. I was completely mislead by the previous representatives and now feel very discouraged with where I am in the PSLF process as I thought I had a years worth of payments completed towards the total 10 years, but am actually starting from square one. I am very disappointed by the misinformation given to me by my provider.
Product: Debt collection

The following 2 accounts are a result of fraud XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

The issue I am having is with Chrysler Capital. 
I filed for bankruptcy XX/XX/XXXX. I started having issues with my car in XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX IL to look at a new car. I remember at one point, before going into the finance room, wanting to leave. I felt very pressured but I went though with the loan anyway.

I financed {$29000.00} at 16.29 % interest. I have struggled to pay this loan. I have had to ask for 9 extensions through the course of the last 82 months. I have paid {$26000.00} in interest. I still owe {$12000.00} on the loan. I have paid {$47000.00} on the loan so far. I believe this qualifies as predatory lending practices.
Product: Debt collection

There is an open collection account on my credit report that was discharged in a bankruptcy. Should n't that be closed?
Product: Student loan

In XXXX my loans were put into forbearance without my request. Now interest during that time was capitalized on the loan. I had submitted forebearance/deferment application at the end of XXXX but that request was only made once. I continued to make payments during this time. Im on a paye program. All of my loans are fed loans.
Product: Checking or savings account

I XXXX XXXX  had an account with chase when i was XXXX XXXX  years old in around XX/XX/XXXX-XX/XX/XXXX. I wasn't be the best with money management or how to functionally use a bank account, of course I was a teenager. That account closed due to a charge off with a negative balance of {$120.00} and i tried to reopen it later that year or the year after while getting my direct deposit from my tax returns, and thats when we tried to reopen it and it closed within a week.That is when i found out they said because the account was closed i would have to wait 5 years to reopen one, I asked if i can just pay it off, they said that was not a option. So as naive as i was i thought that was normal and i attempted again 5 years later and it still has not able to open one this time the bankers said chase has decided not to have a " business relationship with me at all ''. Now its getting to a point where i don't understand why i haven't gotten a statement on my last month of my account or a chance to know why they will not reopen an account, I'm not a criminal, i didn't abuse my account, and they never even gave me a chance to dispute any wrong doing on my account or to see if anything on that account was mine, or accurate. I am now turning XXXX  years old starting a XXXX XXXX XXXX XXXX  and full time employer and I've always wanted to bank with chase especially for their business accounts and i have been robbed of that opportunity and have not been given a reason i feel like this is not right nor is this constitutional.
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  : # XXXX has violated my rights!!! 

16 U.SC 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. 

Also there are discrepancies with BOTH accounts on my credit report being : The date last reported, date opened, creditor names, and and neither of these accounts showing on my equifax. Within my right I can be compensated for these mishaps but prefer these accounts to be removed ASAP.