23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

First Credit Services Inc. fraudulently flagged my credit file for {$350.00} with inaccurate information on XX/XX/2019 ; the account was fraudulently opened on XX/XX/2019. I do NOT now nor have I ever agreed to this contract! First Credit Services Inc. received my Validation Notice allowing them to verify their claim via certified mail no. : XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. First Credit Services Inc. ignored the Validation Notice provided and fraudulently placed their unverified illegal account with the credit bureaus for collection on XX/XX/2019. There is a clear case of fraudulent activity here! 
A Validation Notice was provided to First Credit Services Inc. on XX/XX/2019 via certified mail within 30 ( thirty ) days of their notice dated XX/XX/2019. 
First Credit Services Inc. ignored the certified mail and fraudulently placed their unverified account on my credit file on XX/XX/2019. 
First Credit Services Inc. is currently conducting fraudulent credit practices by updating information on my personal credit file without verification of data. First Credit Services Inc. has also been proven to be a fraudulent 3rd party collection agency that violates its alleged clients rights. First Credit Services Inc. is not an accredited company.

First Credit Services Inc. is NOT the HOLDER IN DUE COURSE and does NOT have a permissible purpose to contact ( NAME. )
Product: Credit card or prepaid card

XXXX Credit Report, XXXX CAPITAL ONE shows " Original Amount '' of this loan {$19.00}. What " Loan ''?? This is Fraud or Identity theft, Someone has opened or used my Identity to acquire this amount of transactions, have no knowledge of what an how this amount came about, It does not apply to me. I have never acquired a balance of {$19000.00}. I reported to Capital One in XXXX, with no help or explanation. If it is on this Credt Report then Capital One put it there, but refuse to help me. It becomes difficult for me, to keep disputing and then I quit, It seems when ever I dispute an account I always get negative responses, or cover-ups, Or they can't see it, or it's not shown, or it applies to me, I can never get a direct answer. It saids always report Idenity theft fraud, etc. Then when you do, there is never any direct help. Then it shows, put a freeze, Credit Lock, Fraud Alert on Credt Reports, I have a Credt Lock and a Freeze and Fraud Alerts on reports in XXXX approx-forward. I never receive an Alert.I don't remember when I put my first Locks/Freezes, Fraud alerts. I will try to download a copy of this report. See bottom of report
Product: Credit reporting or other personal consumer reports

To remove the following that are fraudulent inquiries : XXXX XXXX XXXX XXXX ( XXXX ) THD/CBNA Every one of these inquiries are from a couple of years ago already not XXXX. They keep reoccurring on my XXXX account as hard inquiries.
Product: Money transfer, virtual currency, or money service

To whom it may concern : I am writing to file a complaint regarding the inadequate handling of fraudulent transactions by both Fifth Third Bank and Cash App following the theft of my car and mobile device in XXXX, North Carolina. On XXXX XXXX2024, my car and mobile device were stolen while I was at a gas station in XXXX, North Carolina. Shortly after, I discovered unauthorized transactions totaling approximately {$7000.00} through my XXXX XXXX account. I took the following immediate actions : Filed a police report documenting the theft Contacted Fifth Third Bank to report the unauthorized transactions Attempted to contact Cash App to report the fraud once I obtained a new device My primary concerns are : Regarding Cash App : Failed to provide access to a live customer service representative Did not conduct a proper investigation of the fraudulent transactions Provided no meaningful response to my fraud claim Offered no recourse for recovering my stolen funds Regarding Fifth Third Bank : Denied my fraud claim solely based on the transaction location being within the XXXX metropolitan area Failed to properly investigate the unauthorized transactions despite having a filed police report Did not consider the documented theft of my device in their investigation The banking institutions ' reasoning that the transactions occurred in the XXXX area does not constitute proper fraud investigation, especially given that I had filed a police report documenting the theft of my device. Their failure to properly investigate these clearly unauthorized transactions has resulted in a loss of {$7000.00}. I am requesting : A thorough investigation of these fraudulent transactions Reimbursement of the stolen funds Review of both institutions ' fraud investigation procedures Implementation of proper customer service channels at Cash App Documentation of the theft and unauthorized transactions is available upon request.
Product: Credit reporting or other personal consumer reports

I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my XXXX and Transunion. I have no knowledge of this collection agency nor have i conducted any business with either.
Product: Money transfer, virtual currency, or money service

I am a XXXX XXXX  who resided in XXXX on a XXXX XXXX  from XX/XX/XXXX- XX/XX/XXXX. I opened a venmo account and used it with no issues during this time. Once I returned to XXXX after XX/XX/XXXX, I attempted to transfer my remaining money ( {$1100.00} USD ) into my linked XXXX chequing account on XX/XX/XXXX. My account was frozen and subsequently suspended XX/XX/XXXX, despite my following prompts to change my password. 

I am unable to unsuspend my account because all of the required ID validation ( XXXX XXXX, XXXX ID, unexpired visa ) is impossible for me to produce because I have returned to XXXX and am a XXXX citizen. Customer service offered me no other alternatives. 

I am unable to retrieve my own money, which is unacceptable. 

Interestingly they had no issue with my continuing to deposit money/receive transfers into the account. It is only when I tried to withdraw money that the account was suspended.
Product: Credit card or prepaid card

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account under an + open end consumer credit plan as late for dis purpose. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried at least 9 times to call talk to XXXX about my acct. I have new credit cards and have paid on my accounts on time. My credit scores have stayed at XXXX for the last 6 months. Every time I call XXXX or go on line they always says there is a problem. I cant get everything done with them. I know checking all the others ones also. I have been denied Credit at my bank and my bank has been working with me trying to get my scores up and to no avail my scores sits at XXXX. Theres a problem and I want it fixed.
Product: Credit reporting or other personal consumer reports

While taking a look at my report I see inconsistent dates and balances
Product: Credit card or prepaid card

A {$200.00} fraudulent charge was placed on my Barclays Mastercard account @ a XXXX XXXX on XX/XX/2023 in a city and store I've never been to. 

I was notified by text message " Free Fraud Alert '' that a {$200.00} fraudulent charge was placed on my account. I immediately notified Barclays to confirm the charge was fraudulent. 

On XX/XX/2023 I received a letter from Barclays stating that they reviewed the charge and changed their minds and put the fraudulent charge back on my account. 

I called Barclays back and disputed the charge to no avail. I sent several fax documents to Barclays with proof of Barclays original fraud notification text that they sent me and the police report I filed. They have ignored my faxed documents and will not give me an email or phone number to dispute the charge.
Product: Debt collection

In XXXX I received a call from a XXXX XXXX ( not sure why i even received anything since I became a college graduate in XXXX from XXXX XXXX XXXX XXXX XXXX University ), stating that i owed them for some materials i ordered from them for a class. I disputed with them then stating that this account must have belonged to someone else, or someone used my information. Why would i want to go to a XXXX XXXX when I already had my degree. I was told that they would no longer contact me, however it is 5 years later, and they are still showing on my credit report.
Product: Credit card or prepaid card

I was a victim of fraud on a credit card account I have worked with the company Capital One to get it resolved. I have recently seen a copy of my credit report and they marked a late payment on my credit during this time. This is not right or fair. Please help
Product: Credit reporting or other personal consumer reports

RE : Account number ending in XXXX CFPB Case # XXXX XXXX, XXXX, & XXXX XXXX XXXX Case # XXXX XXXX, XXXX, & XXXX XXXX XXXX furnished information to XXXX and Trans Union that indicated my payment on Acct # XXXX was late in XX/XX/XXXX. I disputed this information with CFPB, and I received a response from XXXX XXXX via a letter dated XX/XX/XXXX. In that letter XXXX XXXX states that I did not make a payment in XX/XX/XXXX. XXXX XXXX is reporting the account as current in XX/XX/XXXX and 30 days late in XX/XX/XXXX. If XXXX XXXX claims the account did not receive a payment in XX/XX/XXXX, then XXXX XXXX needs to report the account as late in XX/XX/XXXX. Once XXXX XXXX reports the account as late in XX/XX/XXXX, then I can address that inaccuracy. But you can not claim the account was late in XX/XX/XXXX for a payment that was not made in XX/XX/XXXX. 

XXXX XXXX also furnished information to Trans Union that indicated my payment for XX/XX/XXXX was 30 days late. However, XXXX XXXX letter does not claim the account was 30 days late in XX/XX/XXXX. Does this mean that XXXX XXXX will instruct Trans Union to report that the account was not 30 days late in 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. 
Account Name : # XXXX, Account Name : # XXXX, Account Name : # 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, states a consumer reporting furnish an 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 and crimes which antedates the report by 7 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

XXXX XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX EXPERIAN XXXX XXXX XXXX, XXXX TX XXXX ALLEGED AMOUNT OF DEBT : # {$2000.00} ( XXXX XXXX ) To Whom it may concern. 

I have received a copy of my consumer report and to my surprise I noticed that ( XXXX XXXX ) had been added back to my consumer report after being previously deleted on XX/XX/2022, Noticed reinsertion date XX/XX/2022, under the FCRA ( FAIR CREDIT REPORTING ACT ) SECTION 15 USC 1681i you can not reinsert inaccurate items back on my credit report without given me a 5day written notice of reinsertion. I HAVE RECEIVED NO SUCH NOTICE, AND DEMAND THESE ITEMS BE DELETED.

This is a violation of my rights and is subject to {$1000.00} in damages or more.

Please send me a copy of my consumer report upon deletion of this inaccurate account.

I will CC the CFPB and the FTC, my Local Police department. 

Sincerely XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I

have noticed several unauthorized inquires in my credit report that I want removed. According to the FCRA, these unverified and unauthorized items must be removed. I have contacted the credit bureaus and have filed disputes but have unsuccessfully been able to get these items removed. 

XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX and on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By mail only XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XXXX  Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/XXXX, Equifax and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For EQUIFAX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule For XXXX 1. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 2. HIPPA VIOLATION REMOVE XXXX XXXX XXXX Account Number : XXXX Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule 3. Validate Account XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft.I 've attached FTC report. Remove from my credit report immediately.
Product: Debt collection

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is INACCURATE and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX, I signed up with XXXX XXXX XXXX I was making a payment of XXXX to consoldate my debt. As time passed, I was getting lawsuits against several of the companies that I had debt with even though I was paying more than what I had agreed to pay. In XX/XX/XXXX, I was asked about a consolidation loan by XXXX XXXX XXXX. I was transfered to what I though was a third party company XXXX XXXX. The sales person explained to me that it would take me longer to pay off my debt than the 4 years that I had agreed so it would be better to accept a consolidation loan. I agreed to the loan because I could no longer afford to pay more to XXXX XXXX XXXX. I was paying about a XXXX a month which was doubled. I was afraid to go to court as well. Liberty Lending began taking payments in XXXX of XXXX. In the meantime, I learned that they were afflicted with XXXX XXXX XXXX becuaser they had the same address in XXXX XXXX. I learned this through emails that I received from both companies. I was never told of this when agreeing to take the loans. I had paid XXXX XXXX XXXX a lot in fees and was given a loan that had a hughe interest rate. I don't feel that this should be legal. I stopped paying in XXXX of XXXX. I thnow that there are others who are having the same issue. I just want this practice to siop.
Product: Checking or savings account

SunTrust opened a checking account in my name in XX/XX/XXXX. Upon looking into my credit report they requested a soft inquiry from XXXX  XX/XX/XXXX. I did not contact SunTrust asking to open an account. I have been receiving monthly statements showing a " XXXX '' balance.
Product: Checking or savings account

I am writing to complain about a deceptive and coercive practice that Wells Fargo employs to force customers to sign up for digital/online statements. Wells will offer customers with holdings about a threshold amount to receive paper statements and for them to view checking transactions. When the customer makes an online request to see transactions greater than ~60days in the past, however, the Wells app displays a page stating that the customer must elect to either receive all electronic statements OR to confirm that they continue to receive both paper and electronic access. The page warns the customer that they can not reverse this choice. What a customer who wishes to continue paper statement experiences on that page, however, is that he/she can not select to continue as is. The webpage buttons indicating a 'continue ' choice are inoperative. When contacted, Wells admits that that is the case and confirms that they will not allow a customer to view older transactions if they receive paper statements. The webpage trickery is a deceptive and coercive ploy that forces customers to choose electronic statements saving Wells considerable costs. When I first filed a complaint with Wells months ago I heard nothing. I've filed a second complaint and received only a " promise to respond ''. The Wells webpage continues to operate as before.
Product: Debt collection

Collection account are posted on my credit from an account I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. 

Midland Credit Management XX/XX/2020 {$6000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all three credit reporting agencies XXXX, XXXX, and TransUnion about the inaccurate information on my report and explained to them that they are continuingly violating Title 15 US Code 1681 and 1692 by not removing those inaccurate items from my report and they continue to disregard my request with investigations that haven't been properly carried out! Because of this negligence they have caused me Damages and Hardships that I don't deserve causing me to go into poverty!
Product: Credit card

I have been carrying a credit card XXXX XXXX from Wells Fargo. Since I travel Overseas a lot and have sporadic times where I can only use my international credit cards, Wells Fargo banker told me that I can always use my XXXX XXXX rewards and transfer to accounts as needed if I have no or less use of Wells Fargo local ( within XXXX only ) credit card. My card service made no attempt to call me or email me and sent a letter which is non certified and misplaced by my local post office which asked me to use card otherwise it will be cancelled. I was traveling at that time so upon my return I have been communicating with Wells Fargo multiple times. The rewards dept told me around {$250.00} reward is on hold and it can be transferred to another existing credit card or account within Wells Fargo. But when I approached their escalation team through XXXX XXXX XXXX  they have been continuously refusing my request to Retrieve my hard earned reward $ and transfer this to my existing Wells Fargo credit card which I have applied and got immediate access to, during all these futile Communication with Wells Fargo bank so that they can easily transfer my help up rewards point from my closed card to my existing credit card. But the customer service is absolutely heedless to hear my concerns/fails to communicate and unethically forfeited my rewards without any effective electronic communication although they have my email, valid phone numbers on the file!!! Pls help ASAP to help retrieve my rewards funding on hold for transferring to my Existing Wells Fargo rewards card. Most banks issue a check for accumulated rewards but this bank did not honor my banking and card using relationship and unethically closed my card, forcefully forfeiting my well earned rewards! Pls help.
Product: Mortgage

We have been trying to get our mortgage escrow account canceled since XX/XX/XXXX. Despite numerous calls and emails, BSI has repeatedly failed to respond to us. BSI 's poor communication and business practices have resulted in double payment of HO insurance and property taxes, resulting in funds missing from our escrow account. Because our escrow is now negative, they refuse to cancel it and continue to bill us each month to fund it. We call and get promises to escalate and get back to us, but nobody ever does. When we follow up, we find that nothing has been done and we're given more promises that aren't kept. We've followed every request they have made, provided all information they have asked for, and yet BSI has done nothing to resolve the situation or even call us back. The one time we got a call - after escalating to a BSI executive ourselves - we happened to miss it. Despite calling back 6 minutes later, the person didn't answer and never returned our call. Tried again the next morning. No pickup, and no callback. 

Bottom Line : BSI needs to return thousands of dollars to our escrow account, and cancel it per our original request. After 8 months, it's obscene that we can not get a resolution or even reasonable communication as repeatedly promised.