23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Trying to get release of lien off my XXXX XXXX XXXX XXXX # XXXX from Citibank NA. Contacted Citibank NA, on XXXX XXXX, XXXX, representative XXXX said they no longer own the loan, that it was transferred to XXXX. Contacted XXXX, on XXXX XXXX XXXX. Representative, XXXX XXXX said XXXX does not have any record of this vehicle on any of account. Need to get Lien Release ASAP.
Product: Credit reporting or other personal consumer reports

I am a victim of being used for fraudulent activities to open accounts in my name without my permission. I want all information to be analyze & also would like for the public record are listed to be removed. The utility bill thats in the dispute letter is proof of current residency as well.
Product: Checking or savings account

Greetings, On Tues, XX/XX/XXXX, I deposited a certified cashiers check, for a guitar I sold on XXXX XXXX 
When depositing, I saw the teller run the cashiers check through XXXX, or whatever scanner they use to verify checks. 
Now, your system will verify that this cashiers check is valid? '' I specifically asked the teller? 
Yes, I was told by the teller. Wells Fargo made {$400.00} available on Tuesday, XX/XX/XXXX, and the other {$2000.00} available on Wednesday, XX/XX/XXXX. 
Every bank I have ever had an account with, always would put a hold on funds, until they verified the incoming deposited check. 
5 years ago, Wells Fargo caught debit card fraud on my debit card, and covered all the funds that were fraudulently charged. 
On Saturday, XX/XX/XXXX, I signed in online to my Wells Fargo account to check my current balance. 
I had a {$700.00} balance, before the deposited {$2400.00} cashiers check. 
My checking account showed an {$1800.00} overdrawn balance. 
I went in immediately to speak with the bank manager, at my local Wells Fargo on XXXX XXXX, and was told they would start a fraud investigation. 
They found the cashiers check to be fraudulent. When I asked what my protection was, and why they made available funds they hadnt verified, I received the, Our fraud department will contact you. 
Today is XX/XX/XXXX, and I have not been contacted by the fraud department once. I still have the false phone number as well as email address used, that may prove useful in their investigation. 
On Monday, XX/XX/XXXX, I received a second cashiers check via XXXX. I took the cashiers check into Wells Fargo, and within 5-7 min, they had called the bank upon which the 2nd fraudulent cashiers check was drawn, and verified the check was in fact fraudulent. 
When I asked the bank manager, XXXX, why they hadnt simply done this with my first fraudulent cashiers check, her response was that, The holiday delayed our verification process. 
I was promised by XXXX and a personal banker, that my 12 year, excellent account history with both a business and personal account, and never being overdrawn a single time, would be taken into account, as they investigated. 
Since they took my own {$700.00}, and overdrew my account by the additional {$1800.00}, I was told that I may be eligible for at least some of my own money back, given my excellent 12 year account history. 
Today, XX/XX/XXXX, I was contacted not by the Wells Fargo fraud department, rather, by the Wells Fargo collections department. 
Wells Fargos behavior is simply unacceptable, with no ethics or protection for myself as a loyal customer. 
To not be contacted by the fraud department a single time, regarding two separate fraudulent checks, certainly defines an investigation lacking any real veracity. 
To be contacted by the Wells Fargos collection department, may I assume Wells Fargo will not refund a single penny of my own money needed for rent and living through XX/XX/XXXX, and also be in collections for {$1800.00}? 
Wells Fargo has clearly failed to advocate for, or protect me as the consumer in any way Thank you, XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company as the financial arm in partnerships with both XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, sold us a product using a deceptive contract and false promises. They ( together ) approved a significantly large loan in relationship to our debt-to-income ratio. Dividend Financial is an affiliate of XXXX XXXX XXXX XXXX XXXX. 

After the sale, the product ( solar panels ) does not meet the expectations as agreed upon during the sales meeting. The solar company 's person facilitated the loan with XXXX. 

They used electronic paperwork so finding the small details related to the loan was impossible. 

For example, I can not stop payments from being withdrawn from my account. 

They said they finance the equipment, not the solar power, the system is the collateral. 

Offered XXXX deferment but with interest accruing. They didn't mention that when they say they are trying to " help '' Taking advantage of middle-income XXXX veteran and retired XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit scores drop from the high 700s to the low 500 dealing with this fraudulent organization. 
I also explained to them I'm not making the same amount of money since the Covid issues have diminished.

So I explained to them I want out of the program, because my salary is not the same.

But these criminals have not provided any useful information to help this solution.

They want the same payments. All the worry abut is the money. Now I see they reporting Im 60 days late, I not paying them anything. They need to refund what I put in like I asked. 

I recommend nobody use this service.
Product: Checking or savings account

I had a chime online bank account. I had an issue with a merchant not refunding my money. I filed a dispute with chime about the merchant and closed my account. After several weeks the dispute was found in my favor and I was told I would receive a refund. The problem is I closed my account so chime bank can't credit my account. I tried a multitude of times to email customer service about my account and never heard back from anyone. I figured chime would just send me a check. I then called chime support two different times and after being on hold for over an hour to speak to a live agent I was able to speakb to a customer service agent with chime bank. I was told it could take up to 3 months to refund my money since my account was closed. When I questioned the agent about the time frame they hung up on me. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion had done nothing to correct my Credit Report and remove the Fraudulent Information completely from my File. I have been sending countless letters appealing to the Credit Bureaus to verify the disputed items and remove them if unable to prove that the Items are mine. I have been a victim of Identity Theft and The items I am disputing do not relate to any transaction that I have made or authorized. Neither did I received any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform the Credit Bureaus about the theft of my Identity and that the items were never mine, the Credit Bureaus never cared nor paid any attention to my Disputes. Transunion became negligent of the FCRA law and continued reporting these information on my File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break tha Federal law thus they chose to be lazy and neglected my appeals. I am tempted to take legal action against Transunion but I will be generous enough to give them couple more chances to prove me wrong about my conlusion. Once again, I am urging the Credit Bureaus to remove the following items completely from my File with or without proper verification since the time given to them to investigate was already over. I need the following Items removed now! 

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

I am writing to request the immediate blocking and permanent deletion of unauthorized accounts on my credit report due to identity theft. I have recently been a victim of a data breach, resulting in fraudulent accounts being created in my name. Under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am exercising my right to have these accounts removed. 
Details of the Unauthorized Accounts : XXXX. Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$33000.00} XXXX. Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9600.00} XXXX. Creditor : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6700.00}
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY THE SILENCE OF XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT. NOR THEREFORE ANY SUCH DEBT IN FACT THERFORE EXISTS. ( PLEASE REMOVE THESE ACCOUNTS BEFORE I SEEK LITIGATION FOR DEFAMATION OF CHARACTER ) XXXX  BALANCE {$100.00}, XXXX XXXX XXXX  {$0.00}, XXXX {$0.00}, XXXX XXXX XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}, PLEASE REMOVE THESE INQUIRIES XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

XXXX XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX  Sirs, I received a collection notice from your company about a XXXX Account I closed . Reference your number # XXXX. The account number is XXXX and was closed in XXXX. I returned a phone on XX/XX/XXXX, per XXXX 's directions, on RMA ( RETURN MATERIAL AUTHORIZATION ) XXXX. The USPS Number was XXXX and was received at XXXX 's XXXX XXXX, TX. facility on XX/XX/2020. Why they sent it all the way to Hawaii  is beyond my comprehension. I have spoken to XXXX representatives at least three times to resolve this issue. The last call the representative confirmed the package had been received and said it would be credited after being processed. I wish you now to resolve this once and for all because now XXXX representatives won't talk to me because they sent it to you. I'm pretty aggravated with the service I received from XXXX after being their customer for over 20 years and never being late on any payment! 

With respect, XXXX XXXX Email : XXXX I have now found out they lowered my credit score on all three credit companies because of this and I'm upset because I have always been responsible for any payment I owe. XX/XX/2020
Product: Credit reporting or other personal consumer reports

FCRA violations : inquires not mine XXXX XXXX I Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX FCRA violations XXXX not my accounts XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX XXXX {$7300.00} Status Account charged off. {$5900.00} written off. {$7300.00} past due as of XXXX XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8300.00} Status Account charged off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was assured that once the new loan terms were set up XXXX of XXXX, that the information would be updated on my credit report. The balance has not been updated correctly nor has the monthly payments. The line item is still reporting as charged-off / past due, and the balance is still reporting the same amount, {$16000.00} from 10 months ago, and also as if a payment has not been made since XXXX of XXXX. I have not missed a payment as of the setting up of the new loan terms in XXXX of XXXX. I have the account set up as a direct ACH draft from my checking account. 
This is not my interpretation, but of a credit analyst with Credit Plus Inc., which reviewed the documentation provided to me by the Creditor.
Product: Debt collection

I am never informed of this debt. I asked for proof of it thru signed documents. never received any proof. Also, it was placed on my credit report and it does great harm to my credit.I need this negative item to be removed right away.
Product: Checking or savings account

To Whom it May Concern : Since my initial complaint, XXXX, was closed, I have not received any more funds nor any communication from Capital One Bank XXXX I continue to call the fraud department, and I leave messages that receive no return on the status of the account ending in XXXX. 

I need the remaining funds from that closed account. If Capital One wants or needs to complete its investigation, why do they not end my involvement by giving my money to me? That's all the funds I have. 

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

I am writing to formally dispute the inaccurate reporting of several charged-off accounts on my credit report, as reflected in recent credit reports obtained from various credit reporting agencies. The errors on my report are negatively impacting my credit score, and I believe that the information being reported violates the Fair Credit Reporting Act ( FCRA ). 

The following accounts are inaccurately reported and must be removed immediately : Account XXXX : Account Name : SXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off. {$1400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX This account is inaccurately reflecting as charged off, and the balance past due does not align with the payments I have made and the written-off amounts. I request this account be removed from my credit report immediately. 

Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off. {$18000.00} written off. {$3300.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Note : This account has been paid in full. 
The XXXX XXXX XXXX account has been fully paid, yet it is still being reported as charged off and past due. This is not only inaccurate, but it is also misleading and harmful to my credit profile. This account should be updated to reflect the paid status or removed altogether. 

Account XXXX : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XXXX  Status : Open Balance : {$350.00} as of XXXX Recent Payment : {$25.00} as of XX/XX/XXXX Credit Limit : {$300.00} Highest Balance : {$540.00} This account reflects an open and active status ; however, given that the current balance exceeds the credit limit, I want to ensure that all information reported is accurate and up-to-date, particularly to avoid any incorrect or misleading reporting in the future. 

Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report, and I am requesting that the credit reporting agencies immediately investigate and remove these erroneous entries. The agencies are required to ensure maximum possible accuracy, and the ongoing inaccuracies regarding the accounts listed above are not in compliance with FCRA standards.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 4 ), outdated or incorrect negative information should be promptly removed from my credit file, especially for accounts that have been paid off or settled. In the case of XXXX XXXX XXXX, the status must be corrected to reflect that the account is paid, not charged off. 

I expect these errors to be resolved and the accounts to be removed within 30 days of receipt of this letter, as per the FCRA. Please notify me in writing once these items have been removed from my credit report.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 : {$0.00} ; 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 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 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 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 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
Product: Debt collection

At XXXX hours on XX/XX/XXXX CST I received a call from a XXXX with Bank of America inquiring about my account. Bank of America had already been served a CEASE AND DESIST letter on XX/XX/XXXX ordering them to not contact me further. 

Bank of America violated the FDCPA Section 1692c and FDCPA 15 USC 1692 c(c). XXXX at BOA continues to harrass me, and when I advised the Cease And Desist letter she claims no knowledge. I have on record they signed for it and received it. I also sent a copy to the FTC, CFPB, XXXX State Attorney General and the XXXX Attorney General.

I wish for Bank of America to cease all communication, and it would be in their best interest to drop the chargeoff collection as account is too old to collect upon. Charged off XX/XX/XXXX and WA STATUTE OF LIMITATIONS is 6 years. Bank of America, is a Day Late, and a Dollar Short in this matter! 

Bank of America continues to harrass me, and XXXX said 'We will sue you and have you arrested'. Vehicle was voluntarily surrendered in XX/XX/XXXX and i have not seen it since (as I have moved on). 

Bank of America is now in VIOLATION of the Cease and Desist and is eligible for a lawsuit at this time for violations of the FDCPA and FCRA laws protecting the consumer.

I have signature proof from Bank of America showing they signed for it.

Reference CFPB XXXX
Product: Debt collection

I received a notice of a collection on my XXXX  report on XX/XX/2021 which I immediately contacted the collection agency, COLLECTION SERVICE OF ATHENS for debt validation via phone. They were unable to locate any collection with my name, last 4 of SSN, address, or telephone number. They advised me to send a screenshot of the report that I was referring to which was sent on XX/XX/XXXX. I provided contact information such as my phone number, email, and home address which is what they used to update this account and did not respond to my email. Since no response was received, I filed a dispute online with XXXX and it was returned as verified on XX/XX/XXXX. Unsatisfied, I followed up on the email to CS Athens on XX/XX/XXXX requesting a response to my previous email. I still had not received a response and contacted CS Athens via phone once again. Suddenly they were able to find the account in question with my address because they updated it from the email I sent originally. XXXX at Compliance Department advised me that they are not allowed to contact me about this debt due to the state I reside and I will have to provide a signature requesting a fraud packet be mailed to me. After this conversation, I contacted the XXXX XXXX XXXX located in Georgia ( which I have no ties to ) in which the debt had originated. I spoke with XXXX in the billing department regarding this debt. They were unable to locate me as well due the spelling of my name not matching what they have on record for this account. They had a Georgia address on file with no SSN for this debt and advised me that there is a second account going to collections and they will put a hold on it while they investigate. She said someone will return my call within a week and if I dont hear back, to call them again. I have been back and forth with CS Athens, XXXX XXXX XXXX and XXXX  all within the last month to have this matter resolved.
Product: Credit reporting or other personal consumer reports

Despite my previ

ous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.