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

Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, XXXX, and Equifax had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but XXXX and equifax refuse to perform a INVESTIGATION! I am concerned that XXXX, Equifax, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EXPERIAN XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance.

I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX and everyday since this day I am receiving calls from Credence Resource Management in Michigan about an debt that didn't belong to me that has already been disputed with another collection company back in XX/XX/XXXX for the same creditor ( XXXX  ) for {$5300.00} I informed them that this debt was due to identity theft and I thought this was resolved back in XXXX XXXX XXXX. I also informed them that I had a complaint filed with CFBP for this creditor with another company and it was resolved. they for one are calling me on a sunday which i believe they have no right to do also they informed me that they will not be filing a dispute on my behalf and that i can settle for XXXX and pay them XXXX a month until this is paid. I am a victim of identity theft and I will not be paying for any debt that doesn't belong to me. I also asked them to provide documentation to show proof of my signature they weren't willing to do that. I have already filed a complaint about this debt and I will need to get this cleared up immediately. I informed Credence Resource Management that I was going to file a complaint against them form consistent calling and not willing to file a dispute on my behalf. XXXX was the supervisor that I spoke to on several occasions about this debt.
Product: Checking or savings account

i dropped off my mortgage check from my XXXX  account in a XXXX XXXX XXXX in the beginning of XXXX and it must have been stolen because it was cashed XX/XX/XXXX and when i checked my online account the image of the check that was cashed was my check at a wells fargo but altered to show the payee name of XXXX XXXX and the memo was erased from the check. I called my bank ( XXXX  ) to report this check and a claim was open. I sent in the claim paperwork required and showed proof of my carbon copy which is the only check i would mail out. all the writing ion the checks is the same on my carbon copies, which is how the bank was able to agree that the check was altered. I've been waiting for wells fargo to respond to XXXX XXXX emails regarding my claim since XX/XX/XXXX, i was told it would be 60-90 days, then 120 days and now 5 months later, Wells Fargo has yet to respond to XXXX on the fraudulent check that was cashed out with an altered check. I was told by a rep at XXXX  that if wells fargo doesn't respond that there is no way to get my money back and that is devastating. I'd appreciate any help!
Product: Credit card

I found two unknown charges on my card ; one from XXXX for {$140.00} and the other from XXXX for {$140.00}. In the case of the XXXX charge, they too had no record of it and specifically asked me to dispute the charge on my card. I opened two disputes with American Express. 

The terms of the Fair Credit Billing Act, 15 USC Chapter 41, subchapter I, part D are very clear. The creditor shall ... " Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the statement reflects goods not delivered to the obligor, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered and provides the obligor with a statement of such determination. '' Rather than conduct an investigation, or provide me with the documents requested, American Express sent out a template denial letter in complete disregard of the law ( documents attached ). You will note that even though these were two independent transactions, requiring two seperate investigations, the information provided is EXACTLY the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX TRANSUNION XXXX : This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified. You need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think your report is accurate because of the lack of evidence in this complaint. I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.
Product: Credit card

Payments are always made before the due date. Payments are made on theXXXX due date is the XXXX. A late fee of approx {$41.00} is attached to the account every month. As well as they added interests was added onto the account without notification. This has happened more than once on my account. I know other people that this is happening to as well on a monthly basis. Also when I applied it was supposed to be a fixed loan and found out after signing that it is a variable loan. The payment has always been on time and they upped the payment without notice or giving an explanation as to why they did. Any contact is always an arguments.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were harassed and harmed financially by our servicer and did not receive any restitution from them after they were fined by the CFPB and the FTC for their actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTOMATED XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX remove the ftc violaitons
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with a balance of {$710.00} that appears related to the aforementioned Fraudulent accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

Opened a checking account with Citizens Bank online after discovering a sign on bonus of {$300.00}. The criteria- one {$500.00} deposit within 60 days of opening. 
Opened the account with the {$10.00} minimum deposit amount XX/XX/21 On XX/XX/21deposited {$500.00}. 
Since then- Ive had amounts from $ XXXX direct deposited into the acct. 
I have called several times recently and can not seem to get a person. Only an automated system when dialing the contact us number provided on the Citizens website. 
I was thinking of completely switching over from my main bank but I have reconsidered. 
It says I shouldve received the bonus within 90 days of my qualifying deposit. That wouldve been XX/XX/2021.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I made a small purchase from a local merchant in the XXXX. The clerk mis-rang the purchase, immediately noted it, and reversed the charge, minus the delta that I owed, right away, while I was still in the store. Upon returning to the US, and receiving my credit card statement from Bank of America XXXX Bank of America applied to wildly different foreign exchange rates to the purchase, and then the immediate refund, causing a charge to me of {$500.00}. After mulitple hours on the phone with Bank of America customer service, they claim they can do nothing about the exchange rate, and that I have to pay the {$500.00}, or that it is the merchant 's fault. As evidenced from the bill that they sent me, the merchant did everything correctly.
Product: Checking or savings account

My wife and I set up a XXXX and XXXX in XXXX to own XXXX acres of property in XXXX XXXX We set up a business bank account through Wells Fargo in XXXX XXXX when we purchased the property. 

In XX/XX/XXXX we started receiving e-mails from Wells Fargo asking for information about the XXXX and XXXX 

We completed the forms and submitted them to Wells Fargo. I spoke to a Wells Fargo representative at the time who said everything submitted looked XXXX. 

On XX/XX/XXXX I received an e-mail from Wells Fargo saying they closed the business checking account. No explantion for the closure was given. This was a complete surprise because I provided the completed forms to Wells Fargo and when I spoke to them about the forms said they looked OK. 

I called Wells Fargo to ask for an explanation for why the account was closed and none was provided. They said we should go to a local Well Fargo branch and have them look into it and to re-open the account. 

In XX/XX/XXXX we went to the Wells Fargo XXXX in XXXXXXXX XXXX  to re-open the account. The bank representative spent about XXXX hours asking us questions about the XXXX and XXXX we set up. He could not and did not tell us why the account had been closed in the first place. He discovered while looking into it that the XXXX on the checking account had been administratively dissolved in XXXX XXXX, which was a surprise to us. He told us to get that fixed and then come back to re-open the accounts. 

We called the accounting firm that set up the XXXX and XXXX and they determined they inadvertently did not file an annual report for XXXX. They fixed this and the XXXX was re-instated in XXXX XXXX in good standing. 

We returned to the XXXXXXXX XXXX  Wells Fargo branch on XXXX XXXX, XXXX to re-open the accounts. We had to work with a new person. They were very rude and started aksing many questions about the corporate structure set up by our accounting firm and their lawyers. They started questioning the corporate structure and started asking for things like utility bills and leases for the building used as the address for the XXXXXXXX XXXX and the registered agent. It was clear from the way they were acting with us that they did not want to re-open the account and they were asking for things we could not provide that I've never had to provide to set up other business accounts. They never provided us with any kind of list of everything they would need to re-open a business checking account that shouldn't have been closed in the first place. We made XXXX trips to the local XXXXXXXX XXXX branch that were a total waste of time. 

The experience with Wells Fargo has been both disappoining and frustrating. We still don't have an explanation for why they closed the checking account in the frist place, and can't cash the checks for the account balance until we have a new account set up somewhere else.
Product: Checking or savings account

I am filing a formal complaint against Citizens Bank regarding unauthorized charges that have occurred despite my repeated requests for a stop payment on my account. 

At least three months ago, I called Citizens Bank to place a stop payment on any future transactions from XXXX. Despite this request, last month, Citizens Bank allowed XXXX to access my account and withdraw funds. Upon noticing this, I immediately called the bank and filed a complaint regarding the unauthorized charge. Less than a month later, the same issue occurred again : XXXX withdrew funds from my account, despite the stop payment request still being in place. 

As a result, I requested for my debit card to be replaced and instructed the bank to refer to my previous calls for further details. I find it extremely difficult to believe that a bank I have been with for more than 20 years is allowing this to happen not once, but twice, with no adequate resolution. 

Now, I am being asked to provide documentation for the most recent transaction where the bank failed to comply with my stop payment request. I believe this is an unjustifiable error, and I am concerned about the handling of my account. It is important to note that I have been a loyal customer of Citizens Bank for over two decades, and this situation has caused unnecessary stress and confusion. 

In addition, I would like to bring attention to Regulation E ( Electronic Fund Transfer Act ), which requires financial institutions to honor valid stop payment requests made by customers to prevent unauthorized transactions from being processed. Under this regulation, if a stop payment is issued correctly, banks are obligated to prevent the associated payments from being withdrawn from the customer 's account. The repeated failure of Citizens Bank to honor my stop payment requests seems to be a violation of this regulation, and I respectfully ask that this issue be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a bill from XXXX XXXX XXXXXXXX XXXX since XX/XX/XXXX. The dispute keeps coming back as a valid bill. I went to XXXX XXXX XXXX hospital back in XXXX and was treated for a XXXX XXXX. I was not having a XXXX XXXX I told the physician on duty that I believe I pulled a XXXX  in XXXX XXXX. They held me there for 12 hrs and treated me for a XXXX XXXX. But when was released I was given a prescription for XXXX   XXXX that was never noted in the hospital notes. I disputed this bill with XXXX XXXX XXXX and they did drop their portion of the bill. I have been in dispute since XX/XX/XXXX with XXXX XXXX XXXX XXXX which is now in a debt collector 's hands Transworld Systems. I contacted Transworld today and the bill is for {$1400.00}. They said the best they could do is settle for a {$1000.00}. I do not feel I should have to pay this because XXXX XXXX 's agreed to drop their portion. I've been trying to get this removed from my credit reports. It keeps going in and out of dispute and Transworld said they could not help me. I am XXXX. My wife does not work so she can take care of me. I feel I'm being taken advantage of the system. All I want is this removed from all 3 of my credit  reports. I am ready to get an attorney so I know what my rights are. I have had enough. I spent over 1 and a half hours on the phone today with Transworld XX/XX/XXXX and got no where. I need to know what my rights are.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account XXXX : XXXXXXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX SYSTEM # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX Account Name XXXX XXXX XXXX XXXXXXXX # XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX # XXXX Account Name XXXX XXXX XXXX OF # XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : Unknown : Collection Account # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

To whom it may concern : Without our consent there was multiples ACH transactions without our knowledge being debited from our savings account to at this moment an unknown wise account. Totaling a sum of XXXX in small transactions, such as XXXX and other amounts. These got undetected because we do have some legit payments with the same amounts such as vehicles loans, etc. 

Wise or chase have not been of any help at the moment. We are not even sure which legal steps to take either. 

I appreciated any help in advance.
Product: Debt collection

I was alerted about a debt through my employer. On the judgement it shows " Atlas Financial Services ''. I called Atlas. They told did not verify me as the consumer, they denied reporting to credit bureaus as past the statute of limitations. The amount reported owed is 2x what is listed on the XXXX XXXX OR case record. The debtor did not notify me in XXXX as the case note indicates. I was actively working and at a permanent residence, working with a credit fixing agency, whom also did not find debt listed in my credit history or judgements. I have attempted to deny the claim with the court and was denied due to default judgement listed XX/XX/XXXX. It is XX/XX/XXXX and employer received noticed of the debt, first issued for collections in XXXX, then XXXX. OR law statute of limitations is 6 years. Collection agency, AFS, disclosed medical debt without verifying myself as the responsible party.
Product: Debt collection

im disputing this account, on the basis that i dont remember having a verizon account in XXXX the company that is fighting over it is pinnacle credit services and the collection people are for XXXX, i have been arguing ovrer this bill since XXXX XXXX i also have XXXX dispute this but was told that i had to dispute the other company. i have asked numerous times for all the info on this account to no prevail, please help me dispute and have this erased off my credit report thanks. i have had a problem of someone else using my name too.