23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I informed this agency I have no contract with them or unaware of this debt. I received no notifications of debt or right to dispute this debt. I received an alert of a collection and immediately contacted this agency disputing this debt or that I have no legal binding documents with this collection agency nor have permission or instructions to report to the credit bureau Agency : First Federal credit XXXXXXXX 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 : First Federal Credit # XXXX 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. 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: Money transfer, virtual currency, or money service

XXXX friend request. Accepted 2nd request on XX/XX/. Became personal friends after one month. She stated she worked as an XXXX XXXX in XXXX. Management stated she was needed in a war zone and will be transferred very soon. Told me she wanted to quite because her life was at risk and will be sending me a high valued package ( gold and medical equipment ) before her being transferred. Package was sent and held up by XXXX  Airport Authorities. Need to wire {$10000.00} to complete the delivery. Sent wire on XX/XX/. Courier sent another email stating the package was confiscated by the XXXX  Authorities and now want {$83000.00} or we will be reported to the FBI, XXXX  and the XXXX  Authorities for smuggling. Went to bank and they said, this is a scam and will not wire funds. Went home and check on some documents and agreed this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I became aware of identity theft associated with my personal information, via an alert from XXXX XXXX. This prompted me to immediately attempt to retrieve my credit report first from each of the three main credit reporting agencies XXXX, XXXX, and Transunion. 
When I attempted on Transunion website the questions asked to verify my identity didnt pertain to me XXXX, In XXXX of XXXX you opened an account with which of these three institutions? those security questions didnt pertain to me. Likewise, the site wouldnt accept my email or phone number to send an email or text a code to. I was blocked from obtaining the result I desperately needed to achieve. 
Because it was the middle of the night, I tried to do so through XXXX however I was met with the same exact situation. On XX/XX/XXXX I tried to call their consumer relations center. The first person I spoke to was named XXXX. XXXX and I had a really difficult time understanding each other due to a language barrier because Transunion has outsourced something as important as this. XXXX transferred me to someone else this person was also unable to assist so they transferred me again. This person was unable to help me, and I would like to add this is most likely due to the language barrier we all had. 
I went online to the online chat. This agent told me there was system maintenance needed on my file and that someone would reach out to me within 24-48 hours. It is now 11 days later, and I STILL havent even been able to pull my credit report let alone place an immediate security freeze on my account meaning my account is still fair game to steal from and my credit is getting worse daily.
Product: Debt or credit management

I contacted Freedom Debt Relief ( FDR ) from an ad I saw on XXXX, in XX/XX/XXXX because of the credit card debt I had. I spoke to XXXX XXXX. After a few days, XXXX XXXX informed me my credit card debt totaled {$27000.00}. I was directed to set up automatic payments from my bank account to be sent to XXXX XXXX XXXX, a service of XXXX, in XXXX, Oregon. These payments would go into a Dedicated Account they could draw from to disperse payments to the creditors they negotiated with for repayment. From XX/XX/XXXX to XX/XX/XXXX, I paid a total of {$8100.00}. 
I received a letter from XXXX XXXX stating that FDR had paid all my creditors off and now my payments of {$490.00} would be sent to them starting XX/XX/XXXX to repay a loan in the amount of {$16000.00} for XXXX  months ending XXXX/XXXX/XXXX, totaling {$25000.00}. 
I received a letter dated XX/XX/XXXX, that XXXX XXXX will be known as XXXX XXXX XXXX. My bank statements shows starting XX/XX/XXXX, all the money debited from my account has been going to FDR. From XX/XX/XXXX until now I've paid {$19000.00}. 
I can't see how this company calls themselves a credit relief company, when I'll end up paying them more than what I was in debt for originally.
Product: Debt collection

I was a victim of identity theft in XXXX. I have had several other phone bills in my name from multiple different states and companies. Please look into this. I've only had sprint in XXXX and that was on someone else 's plan. I'm in the middle of recording my credit and now my score just took a bit for 50 points. I would like my points back please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 inquiries unauthorized by me. That need to be token off and blocked
Product: Credit card or prepaid card

U have a MACY 'S and XXXX card that hasn't been issued to me.
Product: Checking or savings account

I opened a Business Checking account and Platinum Money Market account in branch at US Bank on XX/XX/XXXX, providing the promotional code XXXX at the time of account opening ( documentation of the original offer in full is attached below ). The banker made sure the promotional code was correctly entered. The promotion offered a {$400.00} bonus when the terms were met. The terms of the offer were : 1. open a Business Checking and Platinum Money Market account between XX/XX/XXXX and XX/XX/XXXX, and 2. Deposit {$5000.00} via ACH, Direct, Mobile,  or Wire deposit within 30 days. It was also suggested at the time of opening that the account fees would be waived for the first three months of service. As per the terms of the offer, I opened my account within the proper time frame ( XX/XX/XXXX ) and deposited {$5000.00} into my account via ACH on XX/XX/XXXX ( which was within the first 30 days of account opening ). The documentation of this ACH deposit is attached below. As per the full terms of the offer ( documentation attached ), I should have received my bonus from US Bank within 45 days of deposit ( which would have been XX/XX/XXXX ). I did not receive the bonus and reached out to the main US Bank phone #. I was told by a representative that I would need to contact my local branch directly. Over the next six weeks I sent 11 emails, most of them unreturned, made multiple phone calls ( in which I was told to call back at another time ), as well as visited the branch in person ( my banker was not in ) to try to resolve the issue. The banker replied via email on XX/XX/XXXX to simply to restate the terms that the US Bank main office said I needed to deposit {$5000.00} in the first 30 days of account opening to receive the bonus. I replied that I did, as documented below, on XX/XX/XXXX. I have received no additional response since, even after following up several more times. Even though I met all the specific terms of the offer ( as documented in detail ) and attempted to resolve this situation in good faith on multiple occasions, I was unable to get the issue addressed, and still have not received the bonus. US Bank has not honored their end of this promotion, and my many attempts to resolve this have gone ignored. I am respectfully requesting that this promotion be honored and {$400.00} credited to my account, in addition to two months statement fees reversed ( for XX/XX/XXXX, and XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Re : Dispute and Demand for Immediate Removal of Defamatory Information and Violation of Consumer Rights I am writing to dispute the fact that you are furnishing information contained in my consumer report, which has resulted in the denial of a high-paying job opportunity and access to capital. I have attached a copy of the letter notifying me of the adverse employment decision. 

Furthermore, I demand immediate removal of the defamatory information, as it violates my rights under the following laws : 1. Defamation ( State laws vary, but generally, defamation is defined as false statements that harm an individual 's reputation ) 2. 15 U.S.C. 1681 ( Fair Credit Reporting Act ), specifically : - 15 U.S.C. 1681b ( Permissible purpose ) you must have written signature by me and you dont! 
- 15 U.S.C. 1681j ( Opt-out rights ) You are required under the truth in lending act to inform my rights that i can legally opt out and you knowingky withheld that information for your greater purpose. 
3. 15 U.S.C. 6802 ( b ) ( GLBA Privacy Rule ), Obligations with respect to disclosures of personal information You are sharing my information with third party companies such as XXXX, XXXX and XXXX these company is not a government entity so they do not have any business furnishing a report with my name and personal information without my say so either. 

I request that you take immediate action to : 1. Remove the defamatory information from my consumer report 2. Provide a corrected consumer report to all entities that have received the inaccurate report in the past two years 3. Confirm in writing that the above actions have been taken within 30 days of receipt of this letter Please note that failure to comply with this demand may result in legal action.
Product: Mortgage

My mortgage was sold to Fay servicing in XX/XX/XXXX. I was on a trial payment with XXXX XXXX in XXXX for one year, but they transfer my mortgage to Fay in XXXX. My XXXX payment was collected by XXXX in XXXX because when I received the transfer notice was after the dued date. Fay servicing is saying that I am in default because I did not make any payment for XX/XX/XXXX. I forward to Fay servicing, but they refused to acknowledge the payment. I continue to make the agreed payment by the courts and XXXX  of XXXX from XX/XX/XXXX till present, but Fay servicing returned my lost three payments ( XXXX, XXXX, and XXXX ). I spoke to the customer support person today and I was told that my house is in foreclosure.
Product: Checking or savings account

On XX/XX/year>, I, XXXX XXXX, made a mobile deposit for a check amounting {$2400.00}. I receive this check monthly for same amount and have made this mobile check deposit in my checking Wells Fargo account in previous months. However, on XX/XX/year> Wells Fargo took the money out of my account and gave to someone else. I immediately connected the bank and informed them of this error. Wells Fargo informed me that someone has cashed my check into another Wells Fargo account and since the deposit was made in person, Wells Fargo will honor the in-person deposit and will not give me my money back. After contacting Wells Fargo again multiple times and I reopened my case and informed the bank that I had ripped my check and trashed it after 5 days of my mobile deposit. I also mentioned that the fraud person must have taken it out from the trash and deposited it. Wells Fargo agreed to refile the fraud claim. On XX/XX/year> I received a letter, attached below, about the denial and resolution to my case. I contact the senders bank, as suggested by Wells Fargo. However, the senders bank informed me that the money was distributed to Wells Fargo checking account in my name, XXXX XXXX, and I would have to contact Wells Fargo for reimbursement since the senders bank has no legal grounds to proceed this case. I reached out to Wells Fargo for the 10th time and they reopened my case. I also added the detail in my case regarding the forged signature in the picture of the check, attached below. I have since contacted Wells Fargo about 12 times trying to get some information. On XX/XX/XXXX, the agent on the fraud claim department informed me that Wells Fargo has denied my claim again, and advised me to open a police case regarding this matter. I have since requested for the reason of my denial and I haven't heard from the bank yet. The agents informed me that the information can only be given by certain department and I won't be able to contact them and have to wait for them to contact me. I have been waiting for the response for past 3 months. 
I have also opened a police case. The detective on my case, XXXX XXXX ( Ph no- XXXX ) mentioned that he tried to contact bank regarding the information on the fraud claim and they immediately denied his request and asked for subpoena. The detective told the bank that he can get the court to email them the subpoena but the bank refused to give an email address and asked to subpoena be submitted in person. The detective then asked for an address or person to submit the subpoena and the agent mentioned they don't have the information as of right now. 
So here I am, requesting CFPB to intervene and help me get my money back from the fraud. The Wells Fargo clearly doesn't care for their customer and have violated my rights as a consumer to obtain my funds. Wells Fargo is not offering any help or solution to this matter. All the agents I have spoken to so far agree that this is fraud and should be easy to resolve but when the claim is reached to the department heads they deny my claim and refuse to give my money back.
Product: Debt or credit management

Swiss Colony claims I paid them in full it is the FCRA claiming I didnt paid Swiss Colony in full have my credit report saying negative in collections/ charge off when the collection saying I paid in full so FCRA doesnt want to change my credit report when they r years old. I paid Swiss Colony
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/2020 This is not mine. 

3. Identity Theft 01 CAPITAL ONE N A Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Checking or savings account

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX : XXXX ; XXXX ; XXXX ; XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX : XXXX INQUIRY XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX : XXXX INQUIRY XXXX. XXXX  : XXXX INQUIRY XXXX. XXXX XXXX : XXXX XXXX. XXXX : XXXX INQUIRY XXXX. XXXX XXXX XXXX XXXX : XXXX COLLECTIONS XXXX. XXXX XXXX {$1400.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX  {$0.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE 5. IC SYSTEM COLLETION {$870.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE XXXX. XXXX XXXX {$210.00} - NO KNOWLEDGE OF ACCOUNT - ATTEMPTED DISPUTE
Product: Debt collection

First, I found this collection on my credit report and I disputed it. 
Then I had a letter sent to me at an old address but it was forwarded to me, claiming they bought some account of mine and I needed to pay them. I responded with a demand for validation and I gave them my correct mailing address. 

They did not respond with validation. What they did is send information about me to a different tenant in the same building and actually addressed it to him. He is a lawyer and I guess they think they were being funny by harassing and intimidating me. The lawyer got my mail to me and I responded to DNF Associates letting them know that they didn't validate ( which I'm sure they knew because they didn't send anything I requested ) and I also called out several violations that they committed. I also told them to cease and desist all communication with anyone other than me. 

Now I have received another correspondence from DNF Associates and again they intentionally addressed it to the lawyer they sent stuff they were supposed to send to me. It was basically more of the same XXXX they sent before, not validation, but personal collection information to embarrass and intimidate me AGAIN! This is after I gave them a cease and desist order and they absolutely know what they are doing. They aren't even addressing the envelope to me! 

I have just sent them another letter. I will include the letters I have sent to them and a copy of the envelope that they sent to the tenant that is NOT me and who I specifically instructed them not to contact. The gentleman is NOT my lawyer and has nothing to do with me. We share space in the same building, we are both tenants, that's it. I've never even met the gentleman. DNF 's behavior is criminal and ruthless, violating federal law over and over again. 

The only thing they did correctly is to remove it from my credit reports, which they had no authority to furnish to in the first place as I had never consented and have never done business with them.
Product: Bank account or service

Still being ripped off by Money Network double charging for ATM Fees, on XXXX/XXXX/2015I was charged {$2.00} by the ATM and Money Network charged also an extra {$2.00} totaling {$4.00} for XXXX transaction. I tried purchasing to beers totaling {$2.00} and was declined. I intially requested, before receiving a new debit card to close my account and send a check in the amount of balance which was {$25.00} and to close my account! They said they could n't and XXXX XXXX XXXX states the bank must, so that 's plain to see that theres a run-around scam oney racket in banking still ago! Please request to them to send me the {$2.00} that is to be left in my accunt and then close it? Thank you!!!
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 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 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 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: Debt collection

I am writing to formally lodge a complaint against XXXX, XXXX, XXXX, XXXX XXXX XXXX, IC Systems, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  regarding an account that has been reported on my credit file. Recently, I reviewed my credit report and found accounts with XXXX XXXX XXXX, IC Systems, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX that I do not recognize.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 
The account in question is as follows : Account Name : [ XXXXXXXX XXXX XXXX  ] Date Listed : [ XX/XX/year> ] The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible.

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Attached, you will find [ list of supporting documents ]. Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

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

The credit bureaus differ by XXXX points with Experian the lowest and XXXX XXXX the highest. Now if I submit an application for credit I may be turned down if the company only looks at Experian but I would pass with flying colors if the use XXXX XXXX. Do you think this is proper in todays world of inflated pricing. Also maybe Experian is less efficient in calculating credit since they started selling insurance???????
Product: Mortgage

Bank of America has destroyed my credit and I have been trying to correct it for 4 years, just recently I paid off my home and was late XXXX XXXX and XXXX of XXXX because of escrow. Bank of America put my account as closed and not paid with the credit bureaus and has added lates for XXXX a whole year, XXXX put lates on my account which is not true and my score has dropped to the point of not being able to obtain another home loan, I am very upset and need assistance, this has happen to me before with Bank of America they even lied when I was modifying my home loan. I need help!!! I have had enough this is keeping me from getting a home again and it is not fair. I have disputed with their credit department, and all XXXX credit bureaus, but I need someone else to audit their records and help, I can not keep going through this with them especially after paying off my home loan. Any assistance would be greatly appreciated. 

Thank you, XXXX XXXX