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

On XXXX XX/XX/21 Wells Fargo closed my checking account. They reason is that the address information Washington not updated, but it has veen updated in all XXXX accounts. They send me a check for the total amount {$51.00} to my address where they always send me my correspondence and I do receive it. Nevertheless, I never received that check. 
Since XX/XX/XXXX until now, I tried by phone to resolve this inconvenient but they have no answer for me. I called to the bank three times a week, even I went to the banks office in XXXX, and they doesnt give me an answer. I dont know what more to do, that its all my money. Im desperate!!!!

Today they told me again that I have to wait 10 more days to have an answer.
Product: Debt collection

XXXX XXXX XXXX XXXX [ Fraud Department I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that [ XXXX XXXX XXXX XXXX ] absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX
Product: Payday loan, title loan, or personal loan

Company has submitted payment to my bank account twice, I have called the company to set up payment arrangements and was told they will not set them up, I have to pay the installments as originally agreed upon. I explained to them I was having financial difficulty and would have to set up a different payment arrangement. upon which they said they would not do that and that collections would continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early XXXX I contacted this bureau requesting due diligence be done on this account or removed they responded that the accounts that been validated but again FAILED TO PROVIDE METHODS OF VALIDATIONS! XXXX Notice for validation of debts. also this information upon further investigation of my own as the consumer has been found to be fraudulently reporting ( documentation attached ) either the company is allowing these inaccuracies to continue to report or the no investigation is being done! PLEASE REMOVE THIS ACCOUNT! 


Duties of Furnishers to Provide Accurate Information Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ) Section 623 ( a ) states that a person, including a financial institution, may, but need not, specify an address for receipt of notices from consumers concerning inaccurate information. If the person specifies such an address, then it may not furnish information relating to a consumer to any consumer reporting agency, if ( a ) the consumer notified the person, at the specified address, that the information is inaccurate, and ( b ) the information is inaccurate. If the person does not specify an address, then it may 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 card or prepaid card

Todays concern is in regards to my account with Capital one Account # XXXX I ran into an issue in XX/XX/2021 When I XXXX XXXX XXXX XXXXXXXX This put me in a pickle for several months. Thankfully I got back on my feet and I got account current in XX/XX/2021. I have since been paying on time as well. Since Congress passed the CARES ACT to assist consumers impacted by Covid.I hope we can get this resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Inquiries : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX XXXX 15 U.S.C. section 602 A states that i have the right to privacy.

15 U.S.C. 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: Credit reporting, credit repair services, or other personal consumer reports

After sending a letter to XXXX XXXX and getting no response I filed a complaint with the CFPB requesting that the validate NOT verify a debt that they are attempting to collect from me and have yet to receive a response. After disputing the account with Experian, I asked for validation from Experian. I specifically asked for a signed agreement and other supporting documentation. They provided me with a letter stating the account was verified which does not prove that I am responsible for this debt. Neither the credit bureau, nor the collection agency provided me with proper legal validation of the account. They are reporting delinquent information on my credit report that I am asking to be deleted based off the following sections of the FDCPA : 15USC 1692c ( a ) ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- And 15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Product: Debt collection

I bought 2 televisions and a sofa and loveseat from Conns almost 2 years ago, and financed through Conns credit. 
The couch, which supposedly has a 2 year warranty is coming apart from the inside ... literally breaking apart. 
I followed Conns instructions for getting the sofa repaired, including sending pictures, and was informed that I needed to send copies of the original purchase agreement to process. Unfortunately, I dont have the original agreement any more. 
I am withholding payments on my account until this is rectified.
Product: Checking or savings account

Sunday XX/XX/2022 navy federal credit union said I had a certain amount of money available. Roughly {$600.00}. In my account. 
I checked pending transactions and everything was there. 
I decided to make an extra payment of {$250.00} towards my credit card because I thought I had extra money. 
Monday XX/XX/XXXX I noticed I had {$100.00} in my account and was confused because the {$250.00} to my credit card didnt come out and all of the transactions were still the same. 

They said it was that the pending transactions didnt pull from my account even though it displays the amount of {$600.00}. 
I had put {$1000.00} in my account the day before so it made sense that having dinner and drinks left me with {$600.00} from the {$1000.00}. 

I noticed that they are keeping the pending charges and displaying a false amount to make me over draw my account and pay over drawn fees. I called them and they said they have no control over that. But it seems like a its false. I keep good track of what time my money goes in and out. So something doesnt seem right.
Product: Money transfer, virtual currency, or money service

Paypal hold my funds. Apparently they decided to permanently limit my account and i wasnt able to use their platform anymore and will held my balance for up to 180 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}, {$14000.00}, {$5400.00}, {$19000.00}, {$25000.00}, {$10000.00}, {$9700.00}, {$27000.00}, {$0.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C.  1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9700.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

9. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Product: Debt collection

In XX/XX/2022 someone tried to use my on line banking at XXXX Bank. We closed account and opened a new account. Recently I received a notice from TRS collection that I owed {$4000.00} for a debt owed to XXXX XXXX XXXX. I know nothing about this. It seems someone opened an account at XXXX XXXX Bank in my name and address to pay for whatever they spent. I told TRS this was not me and now they sent a list of paperwork to fill out. I am XXXX XXXX XXXX and trying not to get upset about all of this.
Product: Debt collection

I have been getting phone calls about a medical bill that is not mine they even told me over the phone ( XXXX ) that the name is not mine and i have noting to do with that name please make sure to take it off my credit report See old cfpb # XXXX With a different collection company with the same file
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called the   XXXX   multiple times and also the companies to get these inquiries removed that I had no knowledge of with no results.       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
Product: Debt collection

Ad Astra Recovery and XXXX XXXX sent in a collection that is not mine. My SS and my daughter SS was taken. I never was verified in writing of this debt and needs to taken off the report XXXX XXXX XXXX I was called a man name XXXX XXXX stating he was coming to my home and serving me in XXXX XXXX. He used abuse language and he was coming to my home. I called the police. This is also an illegal and possible civil suit
Product: Debt collection

I lived in XXXX XXXX rental complex in XXXX, Pennsylvania from XXXX until XXXX. Although I had paid all my rents on time and had returned the apartment in a perfect condition and had the agent of the rental complex inspected the apartment, despite having XXXX Dollars security deposit, which XXXX XXXX never returned to me, the XXXX XXXX XXXX , without any notification to me ( although they had my new address, phone, and email ) sent XXXX Dollars for collection to Hunter Warfeild Collection Agency in XXXX, FL. This apparently happened in XX/XX/XXXX. Hunter Warfield never attempted to contact me and reported the collection to Credit Bureau in XX/XX/XXXX, which was almost 5 years later. I first noticed the issue on my routine credit checks in XX/XX/XXXX. I paid the collection immediately, total of XXXX Dollars, including the collection fee, although I did not think I was responsible to that. 
This XXXX dollar collection had drastic effect on my credit score and my overall financial life. I had never have a single late payment in my entire life. All my credit scores were in top tier. Only with this issue, my credit score dropped significantly. As of last 2 years, I had multiple attempts to get a home loan and I have been turned down every time.
Product: Debt collection

I have a false medical collection on my credit report from CAC FINANCIAL CORP, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, Phone : ( XXXX ) XXXX. It is for a doctor 's visit in which my regular doctor was busy playing video poker to see me so a nurse stood in and doubled billed my insurance and she lied and billed me as a specialist. Her name is XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I have contacted the collection agency and I have contacted the billing department for the crooked doctor 's office and so far they have n't corrected the fraudulent claim. Attached is the fraudulent XXXX bill and a copy of my usual bill. I paid the XXXX bill the first time at the office the day of the visit, I did n't learn of her attempt at double billing until I received a email stating the collection was on my credit report a couple of weeks ago. I have been trying to get everyone involved to fix this issue.
Product: Checking or savings account

Due to an error on XX/XX/XXXX from a cash advance provider, my account was overdrafted. 

As of the post date of XX/XX/XXXX, my balance was negative {$590.00}. 

On XX/XX/XXXX, due to being negative, I was hit with XXXX {$35.00} overdraft fees, totalling {$100.00}. This now brough my balance to negative {$700.00}. 

I've called their customer support, and they continue to tell me that since I requested XXXX waived fees a few months ago, they will not clear or waive these ones. 

I tried to explain that I was getting support on Friday to help bring the account back in good standing with {$600.00}, but due to the fees, it'll still be negative. 

They refused to waive and clear them, as well as other fees in the past. 

Wells Fargo has now charged me well over {$500.00} in extra fees over the last few months, and they've done very little to assist, outside of the " XXXX that are allowed ''.
Product: Credit reporting or other personal consumer reports

there are fruadulant credit inquires and address reporting on my credit report i have called the credit burues and they are refusing to help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by XXXX XXXX XXXX  to make any inquiry and view my credit report. I don't even know who they are or how they obtained my information..This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Number 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the XXXX XXXX XXXX XXXX XXXX, has been violated. 

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to ensure the accuracy of the information given by Synchrony before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or Synchrony to furnish any late payments to my consumer report. It is my belief that due to Synchrony business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe. 
I have contacted Synchrony close to 16 times through out the past eight months when the accounts in question appeared on my credit reports causing me to be denied for home loans/refinancing of my car and various other credit applications as a result. 
I have formally written letters requesting investigation with each of the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), without a resolution or proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help. In XX/XX/XXXX my data was breached and I have spent the last two years with countless hours and sleepless nights trying to repair my credit. I have been denied a refinance, a refinance cash out and equity. I have XXXX in equity of my home and we are in danger of loosing it because a bank or lending company will not help due to my credit being so bad from fraud. I continue to have fraudulent transactions and I am now requesting that the following companies remove all negative information and restore and reverse any damages to me since XX/XX/XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Usaa all accounts restored and any negative or incorrect information removed XXXX XXXX XXXX has been a darogtory account damaging my credit and have stated to pay them just to help my credit. Two years tying to resolve this account. 
Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I am requesting the XXXX payments from XX/XX/XXXX missed be removed immediately because they were missed due to identity theft. Please help! I am so scared that we will never get the help we need and it is so unfair that I can not get my credit restored after 2 plus years. XXXX should pay major restitution for ruining lives. Please, please help!
Product: Credit card

Created a dispute with the credit card company and sent them a lot of information in regards to my dispute a few times. They kept saying the didn't receive the information but then closed out my case. They finally admitted the received the information but they couldn't view what I sent them because they're system compresses pictures so they can't make them out that easily, even though the person I talked to could. Stated the case would be reopened but it never was.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXXXXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX XXXX XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX  XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. 

The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. 

This account does not comply with Metro 2 Compliance Standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 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 XXXXXXXX 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
Product: Student loan

The inaccurate accrual of interest has compounded and been added my my original loan amount, throwing the aggregate limits over budget and kicking me out of finishing my senior year in college.