23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} AND ANY OTHER ACCOUNT IN YOUR OFFICE ASSOCIATED WITH MY SS # Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY COMPAN Last reported : XX/XX/XXXX {$2000.00} AND {$1000.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX A SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Debt collection

On XX/XX/2021, a derogatory remark was placed on my credit by XXXX XXXX through IC Systems. I was not contacted about this. I had no idea. 

On XX/XX/2021, I noticed that XXXX XXXX YET AGAIN sent an account under my name to another debt collection agency. I have previously disputed this same amount ( {$170.00} ) twice before, to which the account was removed from my credit. 

On XX/XX/2021, I contacted the debt collection agency via email requesting that they validate my debt. I have confirmation that the email was delivered to the Consumer Affairs division of the agency. 33 days later, and no communication has come from the debt collector.
Product: Credit reporting or other personal consumer reports

There are several inquires on my credit report that I did not authorize. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. The following companies have violated the FCRA, by reporting these inquries on my credit report -XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response in my complaint # XXXX, XXXX, XXXX and Im the one who submitted a complaint on XX/XX/XXXX. These items XXXX XXXX XXXX ( Original Creditor : XXXX ) and XXXX  Date of Inquiry XX/XX/XXXX is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The CRA & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the CRA & DF have not provided me with any evidence of an open contract, signed contract or any valid proof that this was opened, authorized or created by me
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$66.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2018.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, US DEPT ED  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXXE XXXX XXXX XXXX DP OF EDUC XXXX, DP OF EDUC 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 XXXX, XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Checking or savings account

On XX/XX/year> a charge for {$730.00} was processed on my checking account from XXXX with my Husbands debit card. I haven't ever used his debit card at XXXX, nor did we make a purchase for that amount. I contacted Wells Fargo and disputed the charge but they said " an error did not occur ''. This is incorrect. This transaction was not authorized.
Product: Money transfer, virtual currency, or money service

Am writing to formally express my concerns regarding zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform.Despite using zelle numerous times and reporting discrepancy, my financial institution and zelle failed to investigate my claims adequately .The information was given that recovering lost money was impossible and tracking this transaction was unfeasible.This is lack of accountability and transparency
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit report act XXXXXXXX XXXX  account number XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following account should not be reporting to my credit file, please remove this account from my credit file as soon as possible. I have attached a copy of my police report.
Product: Debt collection

I did an investigation to my credit report and noticed that the following accounts are inaccurate and fraudulent. I did not own the following debt. I am a consumer by law and my information was misused. I am not happy about it. 




XXXX XXXX / XXXX / {$5500.00} XXXX / XXXX / {$8100.00} XXXX / XXXX / {$8900.00}
Product: Credit card or prepaid card

I made another attempt at paying my XXXX XXXX XXXX bill over the weekend bill last weekend, using 2 additional phone numbers ( my previous he land line no. ( XXXX ) and a new line from XXXX voice ( XXXX ). 
In addition to my current number of XXXX. 
TB Bank no. which was given to XXXX in their letter, does not RECOGNIZE any of these numbers. Once again, I was not able to make a payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I was contacted by XXXX customer service because my XXXX payment did not process from my XXXX account. The agent gave me the option to change my monthly payments to a XXXX  account, which I gladly provided and requested that all payments be drafted from the XXXX account. On XX/XX/24, I contacted XXXX because a received a notification that " negative '' information from XXXX had been reported, which I immediately disputed. I requested a full review of my account, a review of the call from the agent that helped me change my payment account information, and never received this courtesy. An agent called me on XX/XX/24 to let me know that she would be glad to review all the information and take care of the issue. That agent called me back today to say that the change was made on the same date the payment was due and it was " MY '' responsibility to " tell '' the agent to make XXXX payments and not just XXXX -- the same agent that had my account on her screen as we talked on the phone while I was sitting in an airport -- the same agent that could have said XXXX XXXX, we need to make the XXXX payment too, because this change will not go into effect until XXXX. So, the end result is TERRIBLE customer service caused a late payment on my credit report, and the agent told me it was MY responsibility. I have NOT missed XXXX single payment with my LOC with XXXX, which I have had over 5 years.
Product: Checking or savings account

My account was charged several times for non-sufficient fund fees. This has happened over the course of 5 or more years.
Product: Student loan

Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ). Reported differently across the bureaus. I demand this to be removed right away because of its inaccuracies that is detrimental to my credit report.
Product: Debt collection

XXXX transferred credit card debt to XXXX XXXX XXXX in XXXX. I notified XXXX XXXX XXXX that I was not aware of this debt and that, to my knowledge, it had been paid off. I asked them for a copy of the statements and after months they supplied it- to which I realized that my account had substantial fraudulent charges and unauthorized enrollments and charges by XXXX XXXX I notified XXXX of this- to which they did not respond. Debt collection attempts continued. I then was served papers- I notified both the law firm ( Schrier , Tolin and Wagman , LLC ) and XXXX that the debt was not mine- and got no response. Although I notified both parties that this debt was a result of fraud, they continued to ignore my statement. I was encouraged by the law firm to settle for 80 % despite continually stating that the debt was not mine. The contact at Schrier, Tolin and Wagman LLC advised me that the client " was known to be very aggressive '' even though I continued to state that the debt was not mine. The law firm took me to court - my repeated statement of the debt not being mine was not disclosed by Calvary or Schrier, Tolin and Wagman LLC and they pursued the full amount. After unfairly paying over {$2000.00} over XXXX on time payments on this debt, I was attempting to submit XXXX payment on XX/XX/XXXX to find that the system would no longer accept my electronic payments. I reached out to the law office only to be told that a payment on XX/XX/XXXX had not gone through. I stated that I was unaware of this and explained it was due to an account change and immediately offered to submit both XXXX and XXXX payments- only to be told after XXXX on XX/XX/XXXX that all payments must be sent in via certified funds. I then asked for my total balance with intent to pay the balance of around {$2000.00} off. After 16 days, of no response, I resent my request for my total balance and was told my account was in default and I owed ~ {$5800.00} immediately. I shared my irritation that I was not given the option to submit payment on time due to lack of communication and notification. Both companies unethically and continually ignored my statement of fraud- while knowing that the original creditor was under investigation for related reasons.
Product: Credit reporting or other personal consumer reports

For the past few months now Ive been trying to create a credit report account with some credit agencies but they wouldnt allow me create so I can check my credit score. Ive tried XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX XXXX but they all wouldnt let me pull my credit report.
Product: Credit reporting or other personal consumer reports

YOU ARE IN VIOLATION, Per the FCRA AS A FEDERALLY PROTECTE DCONSUMER I AM NOT OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL, AND NON-VERBAL, KNOWN AND UNKNOWN 15 USC 6802.THE FOLLOWING COMPANIES HAVE ACCESSED MY CREDIT REPORT WITHOUT ANY PERMISSABLE PURPOSE AND EQUIFAX HAS FAILED TO PROVIDE ME MY DISCLOSURE TO OPT OUT OF UNAUTHORIZED REPORTING. YOU DO NOT HAVE MY WRITTEN CONSENT TO REPORT THIS INFORMATION. PLEASE UPDATE MY CREDIT REPORT IMMEDIATELY, YOU CAN NOT VIOLATE ME FOR OPTING OUT AND I CAN SUE FOR {$1000.00} PER VIOLATION.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report and I can still found inquiries that I don't recall giving permission. The following needs to be investigated and corrected for erroneous reporting in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Based on misrepresentation by in-store credit card huxtor, I applied for a Costco credit card issued by Citibank. After learning the terms of the credit card were significantly different than those represented by the in-store huxtor, I called to cancel the card, at which time I paid the balance Citibank said was the full balance, which was the only charge _ the Costco membership they automatically applied to the card. Several months After the fact, I got a call demanding a late payment of slightly less than XXXX be paid. They said on the phone that it was a late payment charge. I never even received the card, much less used it. When I asked her, she said when I canceled and paid off the card that the payment was late ( had never yet received a bill ), and I paid what they said was in full. Now they wanted to bill me for a late fee on a canceled card and threatened my credit if I didn't. I don't believe I owe this money but paid it when my almost perfect credit I worked so hard to build was at stake for less than XXXX.
Product: Consumer Loan

I submitted an online loan application on XXXX/XXXX/XXXX. After loading my bank account information for the loan proceeds and monthly payments, I could no longer access my account and finalize the loan terms. Repeated calls and email exchanges with their client services and VOC Manager XXXX XXXX resulted in no resolution. XXXX XXXX and the client services team constantly contradicted each other as to the cause of the issue. I was informed by client services that I had created XXXX accounts, # XXXX and # XXXX. The latter account is not mine, and I repeatedly told both XXXX XXXX and the client services team it was not. The latter account was even created with an email address that is clearly not mine. The email address contains the domain of a company I did n't even know existed, and currently operates out of the state of Tennessee. The most disturbing detail stated on the response by their client services on XXXX/XXXX/XXXX is my social security number is listed on the account that is not mine ( the email from client services is being accompanied with this complaint ). I informed client services and XXXX XXXX to delete all of my personal information as I would not conduct any business with them since they can not guarantee the would not conduct any business with them since they can not guarantee the confidentiality and safekeeping of my personal information. Surprisingly, I received an email from Prosper on XXXX/XXXX/XXXX stating their Privacy Policy XXXX. Clearly, my personal information has not been removed from their files. I am concerned about the possible access and or distribution of my personal information, as they did not perform their duty to keep it confidential from what I can see at this time.
Product: Checking or savings account

A scammer got my social security number and my debit card number from my bank account and took XXXX dollars out of my checking. Plus saw my social security number on my online banking account. I called the 3 credit bureaus and put security freeze on each of them. Also went to police department and filed a identity theft because the scammer has my social security number. Also went to my bank and they closed my checking account and took my debit card and I have no longer a checking account with no debit card. Im calling sea because I get SSDI and SSI which is directly deposited on the 1st of each month and the 3rd of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a bill from XXXX XXXX XX/XX/XXXX with charges that I did not make. I advised XXXX XXXX that the charges were not mine. XX/XX/XXXX, I received an email from XXXX XXXX stating they updated my address. I call the number on the email to advise that I had not moved and sent proof to the address that was given to me that I still lived in Virginia. I did not get another bill nor did I get a response, which led me to believe the account had been correctly updated to show that I did not make the charges. XX/XX/XXXX, I received a notice that XXXX XXXX XXXX XXXX XXXX that an account was overdue with XXXX  XXXX and a warrent in debt delivered to me.This was the first time that any information was given to me regarding the accumulated debt. Up until this time, I assumed that the original claim that I made XX/XX/XXXX had been updated to reflect that the debt was invalid and not mine. I looked over the documentation to discover that bills and documentation was being sent to XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, FL XXXX. I NEVER lived in XXXX. This address is printed on the billing statement. I began to research the address to see who used this card in my name, I was told that I had to appear in court. The court date has been changed twice due to the COVID-19 pandemic. I spoke with a representative with XXXX XXXX XXXX advising of the incorrect address and that I had proof of my legal address in Virginia. I explained that these charges were not mine and that i never received any billing until I received this notice to respond in court. I have lived in XXXX Virginia for over 30 years of my life, with proven track record of utility, driver 's license, continuous employment in the state of Virginia. I have been on my current job for 21 years. XXXX XXXX advised me to take the steps to report this fraud so that they can remove it from my account.
Product: Mortgage

I have an increase in my required escrow balance due to a window purchase made via the XXXX XXXX. I have paid a portion of the amount of increase to Wells Fargo Mortgage, they were to adjust down my monthly payment amount based upon the balance left of the escrow increase. Wells Fargo has failed to apply these funds I have sent in that were to be applied towards the escrow amount increase. The funds are still unapplied by Wells Fargo Mortgage. I have spoken with Wells Fargo Mortgage twice regarding this issue, they said they would fix the problem ... it remains a serious issue. 
Funds in the amount of approximately {$2000.00}
Product: Debt collection

I was checking my Credit in XXXX XXXX got 2 collections XXXX XXXX Opened XX/XX/2014. Which does not belong to me it's in the amount of {$500.00} this is on my XXXX report which is affecting my score. I'm not going to pay this company do not owe them anything. 
This company has committed fraud using my name my information Than I got XXXX who committed fraud used my name and falsely charged my credit card in the amount of {$700.00} this is on my XXXX report this is outrageous how they get ahold of your information this has to be removed from my XXXX Credit Report
Product: Checking or savings account

On XX/XX/2023, my Chase account was unexpectedly closed. The day I attempted to log into the Chase app, I encountered a message stating that my account had suspicious activity and was inaccessible. Subsequently, I contacted Chase customer service to seek clarification and was informed that my account had indeed been closed. 

What is particularly concerning is the lack of prior notification from Chase about the impending closure. I only received the notification letter several days after my account had been entirely closed. Despite my consistent attempts to contact customer service for clarificationmy sole avenue of communication with ChaseI have encountered persistent silence and lack of responsiveness from various departments. 

I have made numerous calls and inquiries seeking information about the closure and the exact timeline for the return of my funds, but to no avail. I am very concerned about the status of the remaining funds in my Chase account, as I have around {$3000.00} got frozen by Chase. Regrettably, Chase specialists have been unforthcoming in providing any details about the closure, leaving me in the dark despite my persistent efforts to resolve the issue. I am left without any insight into the circumstances surrounding the closure of my account. The CFPB 's assistance in addressing this matter promptly would be greatly appreciated.
Product: Debt collection

I paid the collection account to company provider itself. Paid in full.