23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had accounts with Kay and Jared jewelers that were included in a bankruptcy in XX/XX/XXXX. Both creditors filed claims and received some payment. The bankruptcy was later voluntarily dismissed. I received a call from a " courier '' working for the " state '' from a number with no caller ID several weeks ago. The courier needed me to be at home or work at " XXXX with pictured ID to serve legal documents. '' I was referenced to a phone number in NY. When I called this number I was connected to " XXXX '' who told me my account had already been " sent by the lawyers to my state and county '' and I needed to immediately pay the balance of the collection account ( bought from Kay and Jared ) to cease " legal papers. '' In a panic, I paid XXXX and made arrangements to pay the entire balance ( over XXXX ) in 72 hours from my checking account. I was told I would need to sign a document forwarded to me via email to authorize this payment. I received the document, but DID NOT SIGN it as I am unsure as to the application of payments that were made through the trustee. To my surprise, the collection agency ( XXXX or XXXX ) withdrew over XXXX from my checking account without the signed consent. They money was promptly returned to the account by the agency after a fraud report was filed with our bank. 

Several days later, " XXXX '' from the collection agency called my husband directly and went through the details of the Jared account. My husband was never an authorized party on this account. It was NOT joint and XXXX had no authorization to discuss my account with anyone else. This is a violation of my privacy. Again, there was a " representative of the state '' who refused to identify themselves who had " legal papers to serve at my home or place of employment at XXXX. '' After these incredible unscrupulous ( if not illegal ) collection actions, I was shocked today to discover XXXX XXXX XXXX had listed these XXXX accounts on my credit report. Both show a date opened of XXXX XXXX with a first reporting of XXXX XXXX. Both of these listings make an old pre-bankruptcy account from XX/XX/XXXX look current. When I called XXXX XXXX XXXX I was told that these accounts belong to them, but were " out sourced '' to XXXX. When I stated the experience with XXXX, a very rude individual stated that XXXX was not the same as the agency that deducted money without authorization or discussed details of my account with someone other than myself. The customer service representative kept saying " if that is true tell me their phone number. '' I am not sure why there are so many different names involved with this account. ( XXXX XXXX, XXXX, XXXX XXXX ). I am also certain that these collection tactics can not be legal
Product: Checking or savings account

I came across multiple situations, where Wells Fargo Bank denied an instant credit of funds, which were sent over to me via XXXX. 

Yesterday, on XX/XX/2024, a XXXX transfer of XXXX dollars was sent over to my checking account at Wells Fargo Bank. The funds were sent at around XXXX XXXX XXXX. As of now, the transfer is in the pending status, awaiting a " verification '' from Wells Fargo. When I called the bank that day at around XXXX, I was given a generic response, that for " various reasons and security purposes '' the bank needs to verify the transaction and they can not do anything to help me. 

An exactly the same situation happened on XX/XX/2024, when Wells Fargo Bank held back for verification another incoming XXXX transfer of XXXX dollars. The so called verification took over XXXX hours. 

To find out what's going on, I asked a friend of mine to make a test XXXX transfer of XXXX dollars to the same account. This transaction is also now pending " verification ''. Screenshot attached. 

I asked another friend of mine, who happens to have an account with Wells Fargo, to try to make a XXXX transfer from her Wells Fargo account to my account at ANOTHER bank. And she received a message from Wells Fargo saying : " Unable to send payment. For your protection, we're unable to send this XXXX payment ( screenshot attached ).
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, i initiated a {$500.00} transfer from my checking account at PNC Bank to my car loan at XXXX XXXX XXXX XXXX. The loan account number that I provided to PNC Bank was accurate, however, they sent the payment to the wrong account ( last XXXX digits transposed ). I have been trying for XXXX months to get a letter of idemnification from PNC so the payment can be returned to me and they have not provided it. I have dealt with at least XXXX associates, the most recent being an executive team member and nothing gets done. Now nobody returns my calls. I have never experienced anything like this ; I have been robbed of {$500.00} by PNC Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2018 I discovered a fraudulent account that did not belong to me on my file being reported through monitoring service for around {$100.00} I made efforts to contact the company in efforts to get to the bottom of this account not belonging to me. I was Directed to the original creditor for this account and was told that although it did not belong to me and it was not my account that it could be deleted off my file if paid. So I paid the amount asked for in which I was given a letter stating I paid the amount needed. I noticed months later that I was still being contacted about this account and this account was still being reported on my file. Although this account did not belong to me and has been reported in good efforts I paid this account in full and it is still being reported. I called and spoke to the Owner XXXX who told me his name was XXXX XXXX in which he sounded drunk over the phone. I was very polite in our conversation although nothing seemed to conclude this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX  XXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
CAPITAL ONE you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation CAPITAL ONE you are reporting a charge off account, and from the defination of a Charge off account ( XXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These items are inaccurate and are injurious to my credit rating. 
The following inquires were never authorized : XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX - XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX TRANSUNION- XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX This is inaccurate reporting and damaging my credit report. 

within the Fair credit reporting act as a consumer my rights have been breached which are supposed to be protected by the Fair credit reporting act. my privacy and confidentiality is at stake because of this false reporting.

under 15 U.S.C 1681 section 602 A.

according to this section my rights of privacy are recognized.

under 15 U.S.C 1681 Section 604 A Section 2 : this section states that a consumer reporting agency can not furnish an account or item without the consumers written instruction. 
None of those agencies mentioned within this complaint never had any instructions from me nor XXXX or Transunion. 

15 U.S.C 1681B- Section A under section A this states that the consumer must provide authorization form the agency to provide such report.

I never authorized None of those agencies mentioned within this complaint nor XXXX or Transunion to make such reports. 


15 U.S.C 1681s-2 responsibilities of furnishers of information to consumer reporting agency. 
( a ) duty of furnishers of information to provide accurate information. 

inaccurate information is being reported by agencies mentioned within this complaint and XXXX and Transunion. 


I NEED THESE INQURIES REMOVED
Product: Debt collection

I registered my old phone # and my new phone # with the national do not call list ... .I changed my phone # from XXXX to XXXX ... .I 've blocked their different phone # 's repeatedly ... .this is just some of the times and dates and new phone # 's recently they've contacted me from .they are not registered with the NE Secretary of State and are not allowed to collect debts in the state of NE under this name anyways ... .Portfolio Recovery Services XXXX XXXX XXXX XX/XX/19 ... .XX/XX/19 XXXX XX/XX/19 XXXX
Product: Vehicle loan or lease

I paid my car off on XX/XX/XXXX   with Credit Acceptance Corporation. I had a refund of {$730.00} coming to me. I called XX/XX/XXXX  as I had not received it. They stated they saw the check hadnt been cashed but I would have to wait 30 days to ask them for new check. On XX/XX/XXXX  I called again as I still have not received refund check. They said they would submit new request for check to be sent. I called today, XX/XX/XXXX  as I still have not received a check. They stated that today they sent over for a new request and would have to wait until they could verify a check they said they sent has not been cashed. I asked when I spoke to them XXXX that they said they were submitting a request and that now they are saying they just sent that request to another department today meaning I will have to wait however long until they finally resend a new check. They are blaming that mail just lost the original check yet I managed to get bill every month with no issue? 
I believe they are stalking and now it has been 2 months since I paid my loan off and still have yet to receive check on my refund. This is highly predator them.
Product: Debt collection

Fraud account required by 12 CHR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collector account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe.

XXXX I have not been afforded the opportunity to dispute the account in accordance with 12 SER 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 
XXXX. XXXX XXXX XXXX XXXX has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 
XXXX. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) XXXX XXXX XXXX XXXX is flagrantly disregarding consumer protection statutes. 
I demand that the Consumer Financial Protection Bureau investigate this fraud account
Product: Debt collection

in XX/XX/XXXX my spouse, i co signed an apartment lease for my sister and her partner. due to XXXX she was not able to pay so she quit the apartment within the 2 day time frame allowed before additional month charge would apply. apartment was left in GREAT condition. when walk through with manager was conducted she stated that only carpet cleaning would be charged and late month. rounding the amount debt would have been no more than {$1500.00}. when attempted to pay XXXX, they declined payment. credit report now shows a debt of {$3100.00}. 
XX/XX/XXXX i hired the services of XXXX XXXX XXXX due to identity theft and they noticed IQ data reported different amounts owed to different credit bureaus. IQ data states that debt has earned interest and not to contact them without a lump sum to be considered. IQ data has declined written confirmation of debt and keep repeating " you signed the lease, we do n't care who pays. we are doing you a courtesy of allowing this conversation ''
Product: Credit reporting or other personal consumer reports

I'm resubmitting my dispute letter due to lack resolutions or actions. Again, the other Bureaus are not reporting this fraudulent information. I'm a victim of Identity theft and this information is not mine. Please delete fraudulent information from my credit report immediately
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report.

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim.

Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided.

I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue.

Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 
XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX and XXXX XXXX.
Product: Money transfer, virtual currency, or money service

PayPal has closed my account down for no reason at all and told me they is no way for me to get the money in my account back. Im not sure if this is a mistake but I assume it is. They told me to wait 180 days for my money and that is something I cant do, I feel like they arent doing their job properly and this is effecting me as I really need the money in my account. My email link to PayPal is : XXXX XXXX
Product: Checking or savings account

On XX/XX/23 I noticed I had a withdrawal from my account in the amount of {$1000.00}. It stated it was paid to XXXX XXXX XXXX. I called and the rep was like it was a court order from the IL Courts. He provide a phone to call at XXXX. I called and it stated that the company was XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX. I have an open case for them that we are to appear in front of the judge on XX/XX/23, to say whether or not they'll allow the garnishment of wages. Bank of America gave the creditor double the money that's owed. Please find the court documents attached. The order is for {$500.00}. Plus they charged me a fee of {$120.00} for paying the garnishment.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

LEXUS Nexus is report inaccurate information regarding wrecks and tickets on file that are not nor did I have wrecks or tickets. The inaccurate information causes incorrect insurance quotes on my CLUE report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with BMW FINANCIAL SERVICES. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, and BMW FINANCIAL SERVICES with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.
Product: Debt collection

I keep getting letters in the mail from a collection company in regards to this debt. It is not mine. I did not open the account, nor did I authorize it. I contacted the company through consumer finance.gov requesting proof of the account along with my signature and all the information in regards to this account, and when it was opened, which was never provided. 
I requested original documents, dates, signatures, and nothing has been provided. This account was opened due to identity theft, which I have attached the identity theft report as well.
Product: Credit card

I had a dispute with Citi bank on my Shop Your Way Card back in XXXX. The company is saying that the dispute was resolved, and the amount was removed. I have called multiple times about this dispute still being in my card balance. The company has not resolved the issue and the wrong amount is being reported on my credit report. The last time I called and tried to resolve the issue was XX/XX/XXXX. The company then tried to say that I brought something and that's why my balance is so high, but my statements do not reflect what they are saying. Also, when I try to pay my card there is a statement that says, " Payment amount can not exceed the current balance. '' my current balance is currently XXXX. The company is not trying to resolve this issue. If this was a purchase that I made why will the system not let me pay it and why is the purchase not reflected on my statements.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Vehicle loan or lease

XX/XX/year> this debt was paid off. {$1500.00} Credit acceptance Corp.
Product: Money transfer, virtual currency, or money service

I opened an account with them for {$110.00}. The took a fee of {$4.00}, which I knew about. I wait for a day for it to clear. Then it took them from XX/XX/20 to XX/XX/20 to claim that my ID was verified. I submitted my state ID and photo via cam several times. I contact their support about this. In this period my account was cleared, I do not know the exact date. I tried to make a purchase that apparently was on their blacklist. My account was restricted. This I was unaware of, as I was equally unaware of this blacklist of theirs. 

On the XXXX I requested that my account to be closed and the money return to origin bank. They then claimed that they can not do this and I must enter a bank on their website so that money can be transferred out and account closed. But they require you to enter your bank credentials, in effect giving them the ability to steal all your funds from your account. I have told them that this is completely not acceptable and they have ignored me since. I have tried to call their number XXXX XXXX XXXX. ' It does not matter which option you use the message is the same " We are experiencing high call volumes, please submit a ticket on the website. ''
Product: Checking or savings account

I have a account in Cathy bank ( www.cathaybank.com ), and I always logined via online bank and it worked well for years. 
There is a little bit money around more than 2000 usd in my account For whatever reason, I did not login in during the past couple of years. 

Now and I found my account is in dormant status. 
Cathy bank ever tried to reach me by my email and required me to call them. 

I already told the staff who reached me via email that it is not convenient for me to call them since i am in XXXX XXXX, because i have apply the international phonecall authorization and pay the fee. 
Unfortunately i have no time to handle it. 
The stall insisted i have to call her. 

I did not understand : I did nothing to my account, but i have to call back to cathy bank resolve the problem, which was caused by Cathybank. 
What if i can not speak XXXX and i can not reach them by phone call, What if i am XXXX Will Cathy bank take my little money away and erease my account? 

Dear Ma'am or Sir, Could you please help me to reach Cathybank and resolve my problem. 
I need this account in the coming month for my tour. 
Your immediate response is greatly appreciated. 
Many thanks.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated to find an unauthorized inquiry on my credit report this morning. I checked it as I normally do, but this time, discrepancies appeared unexpectedly. Refreshing my browser didnt resolve the issue, and the inquiry remains. I demand an immediate review of the documents I sent so I can stop worrying about this.