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

In my previous case Wells Fargo said they were unable to find any trace of my account. I was using my married last name which is XXXX I have been divorced now and I have court approval to use my second middle name XXXX instead of my first name XXXX. Wells Fargo has all the paperwork since I submitted all of it to them. 
My complaint is regarding account XXXX I've opened this account at the branch on XXXXXXXX XXXX XXXXXXXX XXXX a friend referred me the Wells Fargo employee name was XXXX. Shortly after I deposited a personal check at the Wells Fargo on XXXX XXXX  using the ATM. The check was held for almost a month I was making trips back and forth the family member who wrote the check confirmed it cleared even offer to show proof but Wells Fargo held the money. My bill were late I had to borrow money pay for my bills and late fees. This whole situation was extremely stressful because I was living on my own and I saved up some money and gave it to this family member who gave it back to me because I needed the money yet Wells Fargo would not let me accessed. I went to the branch literally every other day. I have a XXXX  account if they are going to put a hold on your money it tells you I got nothing from Wells Fargo instead I was treated like a fraud. In XXXX I went to the branch on XXXX near XXXX XXXX for a transaction I was lured into opening XXXX additional XXXX  accounts because of all the benefits mind you I was XXXX old at the time and the benefits was for XXXX  under XXXX ( I found that out later ). After I opened those account when I deposited money into an account I get charged NSF fees in a different account. I was charged roughly about {$250.00}. I remember going to the branch on XXXXXXXX XXXX XXXXXXXX about those fees and that's when I was told I didn't even qualify for the benefits of the XXXX  accounts to begin with. I had to juggle make deposits here transactions here to avoid maintenance fees. This whole thing was horrible experience. I closed all the XXXX  accounts and then the checking I didn't have a WF checking account for at least XXXXyrs I opened one last year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have watched my credit score on Experian for countless months, finally starting to get inaccurate information off my credit report, applying the credit boost, and started reporting accounts I pay every month through the credit boost. This raised my score to XXXX but two days ago, it suddenly said " Unscorable '' and I had no score at all. I sent messages to Experian and they returned a message saying : -- - Thank you for contacting Experian. I see that your credit score is not available at this time. Here are some reasons why a FICO Score might not be available : Experian does not have enough information in your credit report for FICO to calculate a score No activity has been reported to the bureau within the past six months ( not including disputed information ) Your credit report has over XXXX accounts on it A creditor has reported you as deceased You can add self-reported utility payments to your credit report through Experian XXXX which can instantly increase your XXXX Score based on your Experian credit report. 

More information is available : https : //www.experian.com/XXXX If you think there is an error in your credit report, you can file a dispute : https : //www.experian.comXXXX 

-- - and of course, NONE OF THOSE REASONS APPLY AS, I had a score of XXXX two days ago... 

Activity has been reported every month, including two credit cards and the credit boost four accounts on self-reporting, and my Georgia Power Bill . 

I don't have XXXX files on my report. 

AND- I AM MOST CERTAINLY NOT DEAD! 

I even tried to call them and just got a run-around with their recording. I messaged them and got told all of the above. 

ALSO, For the past year, they have placed on my credit report that my address is a retail business and my house is not a business and never has been. Just a secondary problem they have ignored.
Product: Debt collection

Written letters was mailed to the company in XXXX of XXXX Regarding fraudulent account. I am a victim of identity theft and have a police report and identity theft report.
Product: Student loan

There are XXXX loans in question that were originally held by XXXX XXXX ( a company that abused the system ). The resulting spinoff to avoid further scrutiny has meant that my loans now sit with Navient ( mind you I had no choice in this matter ). Because of overwhelming charges and their complete refusal to review an income-based payment plan I have determined to return to school to finish my degree. For the past XXXX years I have been taking enough courses to qualify for in-school deferment while I work to progess in my career and finish school with an income capable of supporting these exhorbitant fees. Navient is now claiming that I am delinquent/XXXX months late on payments all the while I have been taking classes the entire time. I spoke with a representative XXXX weeks back regarding the situation. I was told to fax in paperwork showing that I was in the midst of coursework and the matter would be resolved. I did as requested. From that point I received no phone calls. Shortly thereafter I found that Navient had not made the appropriate corrections but were instead harrassing my co-signer with upwards of XXXX automated calls a day. This is unacceptable. I have tried ad nauseam to contact Navient but their phone system traps you in a loop. Upon smashing 'XXXX ' enough times to speak with a representative, each time they claim to be unable to hear you and disconnect the call. This company is predatory in every nature of the definition. They are rude, aggressive and threatening on the phone yet have no way for you to contact them to correct THEIR errors. They are only concerned with soliciting money from whomever will answer their calls. This is unacceptable and their behavior is overwhelming and scary. We tell our youth that they can not be successful without advanced education. We then charge them rates that do not correlate to education provided but assure them that 'we ' are there to help them through loans which will be easy to pay once they have that degree and huge salary. Once the student becomes an adult to realize everything they were promised was a lie the phone rings ... this is unacceptable and at the very least we need to stop the predatory behaviors of these lenders.
Product: Checking or savings account

my Name is XXXX XXXX On XXXX 2022 I asked the XXXX XXXX to fix my computer. and in the pupose a person or company { XXXX XXXX } took over my computer took over my Huntington Bank Account took out 5 gift cards for XXXX later that day, I called Huntington and told them that person or company had done this to my account. Huntington said they would take care of the problem. Now they say its my problem THANK TOU VERY MUCH XXXXt XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XXXXXXXX 2022, I fell victim to a multilayered scam operation orchestrated by an XXXX ( the Company/Scammer ), all of which aim at contributing to the goal of robbing and defrauding innocent people in the equivalent of XXXX XXXX which was transferred from my wallet utilizing your services.
Product: Checking or savings account

i have direct deposit with capital one and i usually get paid on wednesday ( XX/XX/XXXX ). it is now friday and i still do not have access to funds ( XX/XX/XXXX ).
Product: Credit reporting or other personal consumer reports

recently i looked at copy of my credit report and noticed several inaccuracies in my account this account is hurting my ability to obtain creditbit is my understanding that you will investigate these items for me to ensure accuracy here is the item i am asking you verify as accurate. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 
PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries have appeared on my credit report by these creditors : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Credence Resource Management, LLC. violated the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and North Carolina Debt Collection Practices Act by its failure to identify itself as required by said statutes during its communications addressed to me on XXXX XXXX, 2015 and XXXX XXXX, 2015. 

Fair Debt Collection Practices Act 807. False or misleading representations [ 15 USC 1692e ] ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 

North Carolina Debt Collection Practices Act 75 54. Deceptive representation. 
( 2 ) Failing to disclose in all communications attempting to collect a debt that the purpose of such communication is to collect a debt. 

North Carolina Collection Agency Act 58 70 110. Deceptive representation. 
( 2 ) Failing to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector ; provided, however, that this subdivision does not apply to a formal pleading made in connection with legal action ; ( 7 ) Falsely representing the status or true nature of the services rendered by the collection agency or its business.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards . I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from the my fico company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Thanks so much
Product: Credit card

I have a credit card with American Express # XXXX XXXX XXXX. Due to loss of income I missed about 3 payments in 2015. I have made monthly payments every month since XX/XX/2015. I received a 2nd call from their collection dept today from XXXX from someone very obviously in XXXX. Amex evidently has not updated their records with these foreigners. My account is not in collections - it is current. I am being harassed to pay a settlement or they ( from XXXX ) threaten legal action. I want this stopped.
Product: Checking or savings account

While doing my taxes for XXXX I realized that I received a 1099 form from Square for {$790.00}. Attached is a picture of the form. I believe this is related to an incident in 2020 when I was getting spammed non-stop with referral bonuses on Cash App within a day or two. I didn't even withdraw a cent, and my account was shut down for fraud or whatever. I'm not sure how the referral bonuses were coming in, so that's why I didn't withdraw any of the funds. Now that I have this 1099 issued, I would have to pay taxes on that {$790.00} of reported income. I contacted Cash App support via XXXX, phone, and e-mail in the past few days. Both support on XXXX and phone said that it could only be handled through e-mail. The e-mail support was initially very responsive, but I wasn't getting any resolution. A different support agent was responding to the e-mail chain each time. The responses are very similar and clearly generated somehow. Nobody seems to grasp my issue. According to support, my account was closed on XX/XX/2020. That's about all the info I could get. They said once the account is disabled, it can't be accessed again.
Product: Debt collection

The aforementioned credit collection agency representing  XXXX   XXXX   XXXX   XXXX  has violated FCRA by not providing documents to me in regards to this debt, my HIPAA has also been violated because they have not provided me signed documents with my signature on anything where I have giving my permission for anything pertaining to this debt. This account is unverified and immediately needs to be deleted from my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all of the documents that they have recorded or retained in their files pertaining to this " debt ''. If  Medical Data Systems  does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting or other personal consumer reports

This account was not opened by me and I did not give authority for it to be opened. I was a victim of the XXXX data breach and my personal information was compromised. Ive submitted a theft report containing this information to the credit bureaus and the company reporting to the bureaus.
Product: Vehicle loan or lease

On XX/XX/2022 I paid of my car loan with Chrysler Capital. The account was subsequently closed and confirmed that I had paid off the car loan. On XX/XX/2022, the Chrysler Capital auto pay system deduced {$400.00} from by bank account as a scheduled payment, although the loan had already been paid off. 

I contacted Chrysler Capital on XX/XX/2022, who pulled my account, and verified the loan was paid off on XX/XX/2022. They were unable to find a record of the auto payment on XX/XX/2022, even though I had the payment confirmation number to provide them. They told me they could not explain the charge, and could do anything. 

Chrysler Capital is continuing to make unauthorized withdrawals from my bank account for a loan that does not exist, and I can not stop it.
Product: Debt collection

I do not owe this debt and have asked ARC Management to stop contacting me. I have twice told ARC in writing not to contact me, most recently in a registered letter dated XX/XX/year>, yet ARC continues to call me in violation of the Fair Debt Collection Practices Act. Further ARCs charging interest on this alleged debt is illegal in the state of Tennessee. 
I am again asking that ARC Management 1 ) does not contact me again, and 2 ) that ARC Management and XXXX XXXX XXXX acknowledge I do not owe this debt and 3 ) that this claim be removed from my credit report with all consumer reporting agencies. I have stated this in writing to ARC Management and to XXXX twice before most recently in a registered letter which you received XX/XX/year>. Despite this, ARC has continued to call me and to call others associated to me. 

Regarding the charge on my XXXX XXXX  by XXXX XXXX XXXX, XXXX concluded I should not be charged given the extensive proof of damages which exceed the amount of the charge. XXXX concluded I do not owe this money. 

I provided extensive proof to XXXX including, a police report, expert appraisals, statements from witnesses including a board chair for a XXXX XXXX, other witnesses include a neighbor, and a former city council member and CFO of a XXXX XXXX and his spouse. I also submitted many photos taken just before, and during the move as damages occurred, copies of documents demonstrating breach of contract issues, and a copy of a document I was told by XXXX XXXX, the lead mover, I had to sign or my furniture would not be unloaded and I would not receive a damage claim sheet ( which listed only part of the damage ). I signed this document in two of the four places I signed XXXX XXXX. I also have additional documentation including, but not limited to, abusive emails from XXXX XXXX of XXXX XXXX XXXX. 

The total of all theft, damages, and breach of contract issues well exceeds the amount ARC Management and XXXX XXXX XXXX wrongly claim I owe. 

As a result of the documentation I submitted to XXXX, and the fact that XXXX XXXX XXXX did not dispute this evidence and offered no evidence to the contrary, XXXX resolved the dispute in my favor. A senior manager from XXXX advised me that collection agencies arent to be used for a disputed claim resolved in the card holders favor.
Product: Credit reporting or other personal consumer reports

LVNV Funding LLC opened an account on XX/XX/year>, for the amount of {$1000.00}. I have never signed a contract with them, nor have I received any services or incurred any charges totaling this amount.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date oXXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Debt collection

I received notification from " The Bureaus '' whose company name appears to imply that it has an affiliation with the three major credit bureaus. The company has used its name to give itself an unfair advantage in the debt buyer business and has also abused its position by intimidating consumers with its business name, suggesting that it is associated with the credit bureausXXXX XXXX XXXX and XXXX 

This is a major violation of the Fair Debt Collection Practices Act. ( Sect 807 " False or Misleading representation '' ) This company informed me that I owe them {$910.00}. They have also successfully placed a negative tradeline on my credit reports. 

Under the Fair Debt Collection Practices Act ( Validation of debts ), I have a right to have these debts validated. In order for me to make a determination if what they have reported is accurate, I have requested on numerous occasions - the last in a formal letter - that they provide me with details that validate this debt. As of this date, I have not heard from this collection agency except harassing messages. 

I have never signed an agreement with this company, nor have I secured any loans from this company. The company has ignored my requests for debt validation and has continued to viciously report this item as a negative occurrence on my correct reports.