23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX for the number these phone calls are coming from, and it says they are from an " Amshare Collection Agency '', but to my knowledge, I don't have any overdue debts. Furthermore, XXXX shows that this company apparently randomly calls people who don't have any debts and is thought to be a scammer. The number they have been calling is on the XXXX XXXX XXXX XXXX and is my work phone number, so I don't have any way to change it. They have called at least four times in one day, and again XXXX reveals a pattern of harassive behavior on the part of this scammer.
Product: Credit card or prepaid card

I called to close this account well before my annual fee was to be charged to this card around XX/XX/2022. I was still charged the {$99.00} annual fee even though my account is closed. I dont know how companies can charge a fee like this when youre NOT using their card. On top of this they charge a Maintenance fee of {$12.00} per month! Its almost like a penalty for canceling. Its completely exorbitant and they shouldn't be able to charge these ludicrous fees. I never read anywhere of these fee charges I called several times and connected with a representative and supervisor on the phone and they refuse to stop/reverse any of these fees. There is no way I can keep my credit in good standing or get back to good standing if corrupt companies keep charging these fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

The uploaded letter does not shows and download properly on my complaints submitted minutes ago : XXXX and XXXX to Trans Union and XXXX XXXX XXXX XXXX XXXX 

Because this letter received from XXXX XXXX attorney is the main proof I have right now, I have to be sure it is clearly seen and properly uploaded here at the C.F.P.B so I have no choice but submitting this new complaint to correct this.
Product: Money transfers

Sent money to person by Western Union XXXX and the person money sent to did not pass it on to the person that it was suppose to go to
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) XXXX 2. ) XXXX XXXX of XXXX XXXX 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts 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. Here are the fraudulent items : XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} ; ; XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$440.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AR XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX Opened XXXX. XXXX, XXXX Balance {$52.00} ; XXXXXXXX XXXX XXXX XXXXpened XXXX XXXX, XXXX Balance {$840.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$440.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Payday loan, title loan, or personal loan

I took out some online payday loans over a few years ago and paid them off. But National Credit collectors/adjusters says I still own for one. When they call they don't identify themselves unless I pressure them. Then they go right into setting up payment plans on a loan I don't remember still owing on. When I start asking for more information, they get rude and pushing about making payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, XXXX and transunion reported a new collections account on my report. XXXX XXXX XXXX is the collector and the account belongs to XXXX which was XXXX XXXX XXXX. On XX/XX/XXXX I paid the account in full with XXXX even though I dont believe the debt to be accurate because they told me they would delete it from my credit report. The conversation was recorded and happened with 2 separate employees. These collections need to be removed from my account ASAP
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX Account number XXXX. 
XXXXXXXX XXXX XXXX - Account number XXXX. 

As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

On XX/XX/XXXX, my debit card was declined for parking ( {$0.00} ) which is exceptionally odd because I always keep money in the account and I just had my paycheck directly deposited. I called and was told the card was cancelled and would I like a new one, when I asked why they told me they did not know but everything on my account is ok and there is nothing to worry about. I just got this card, it was a replacement for one where the chip failed, and the bank XXXX that one up too. This new card, with a new number ( the last replacement card was specifically instructed to retain the same number for payments to other accounts and institutions ) was expedited on XX/XX/XXXX, today is the XXXX. 

I still have not received the card. My other institutions are demanding that they get paid, no money is going in or out if my account. I went, in person, to the local branch, they said they had no idea and could not reach anyone to get more information. They also said my card arrived on the XXXX and was signed for. This is completely made up, myself and everyone else never signed for a package. 
I have no access to my account and my money, no one knows why or is not telling me, I am now get hassled for late/missed payments that should not have been missed. This is unacceptable, I have not done anything wrong or outside my normal patterns, I have not been a victim of fraud. I was give No notice, unfairly treated and lied to.
Product: Checking or savings account

I opened an account online and then I went in to the XXXX XXXX, OH location where I deposited some money into the new account. They ordered me a card and took my cash deposit. This was on Saturday XX/XX/XXXX. I was led to believe I had an atm debit card coming so I ordered checks for the account and made arrangements for my  paycheck to be direct deposited. Now I find out on XX/XX/XXXX that they have closed my account, kept the money I deposited on Saturday and also are keeping my direct deposit from my employer that was direct deposited on XX/XX/XXXX and will not give me an explanation as to why my account was closed or give me my money back.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount # XXXX Inquiry : XXXX XXXX needs to be removed from my Experian consumer file it is not my residence said address XXXX XXXX  XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX, In XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Information was involved in Equifax XXXX XXXX XXXX.
Product: Mortgage

Fay Servicing XXXX appears on all three XXXX XXXX. It claims it was open on XX/XX/year> XXXX # XXXX. I did not apply for any loan with this company and have never had any contact with this company. I do not recognize Fay Servicing XXXX as it is reported on my XXXX credit reports generated dated XXXX XXXX. 
I am requesting that the fraudulent account be removed from each of my consumer credit reports and that all collections activities related to this account cease pursuant to my right within the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am writing to dispute information related to my bankruptcy case, XXXX, which is reflected in the court records. After reviewing the records, I have identified inaccuracies that need to be addressed and rectified. I kindly request your assistance in investigating and correcting these errors.Maintaining accurate and reliable bankruptcy records is essential, and I am committed to ensuring that the information accurately reflects my case and its outcomes. Please submit that the information has been validated by Georgia Bankruptcy Court located at USBK Court XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I kindly request a thorough investigation into the disputed information and a prompt correction of any inaccuracies found. If discrepancies are confirmed, I expect a written summary of the results and the necessary adjustments made to the court records.
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XX/XX/XXXX AFFILIATED MANAGEMEN Reported : XX/XX/XXXX 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 AFFILIATED MANAGEMEN Reported : XX/XX/XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Checking or savings account

Yes I have a Chime Credit, Checking and Savings account with chime. I was in XXXX on XX/XX/XXXX XXXX Illinois trying to purchase items when I noticed I couldn't use either my credit or Checking card. I have money in all 3 accounts totaling at least XXXX dollars I've contacted them thru phone and email and I'm just getting the run around I submitted my ID to them thru email. I have been robbed of my money and I need my refund asap. They close my account with alerting me at all.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX has destroyed my life and destroyed my credit score while XXXX  closing my oldest credit line and bank account The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report and trans union noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. Please have trans union and XXXX remove or delete these accounts immediately
Product: Mortgage

This is a XXXX XXXX XXXX under XXXX of XXXX XXXX deceased on XXXX. I have been making payments, interest only since he passed away. The property was Quit Claim Deed to my name on XXXX prior to him passing away. I have paid insurance and property taxes since XXXX. Wells Fargo Bank is aware of XXXX XXXX deceased, that I am the person making payments on the property. The Balloon mature on XXXX, I have requested a payment arrangement with Wells Fargo Bank. Wells Fargo Bank offered a loan Modification by adding my name to the existing loan. I have provided all the documents required by Wells Fargo Bank, Water Bill, address to the property, Letter from XXXX XXXX and XXXX XXXX, Letter from XXXX XXXX XXXX XXXX XXXX Department that explains in the year XXXX the property was zoned residential and in the year XXXX the zoning was changed to commercial ( XXXX XXXX XXXX ) by the City of XXXX XXXX, therefore the property can not have Homestead Exemption, my XXXX XXXX insurance reflects my car location at the property and the policy is addressed to the property as well, the insurance of the property is also addressed to the property, it is a Commercial Insurance because it is a Commercial Zoning, despite the fact that I reside in the property, I have provided the electric bill that is under my friend, addressed to the property. Wells Fargo Bank gets the declaration page of the insurance every year and is aware of the insurance being commercial. Wells Fargo Bank has been aware of everything, now that the Balloon mature, they are calling it off. The Appraisal of the property ordered by Wells Fargo Bank says " owner occupied '' " the final report meets Wells Fargo requirements and is acceptable as is '' " market value {$300000.00} USD ''. Wells Fargo Bank is refusing to approve the modification basing the denial on prove of occupancy, not giving me an explanation as to why? neither giving me a remedy other than a Short Sale. On XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX Wells Fargo Bank, to advised the denial for a Modification and not being able to tell me why the denial, neither what to do about it. Today XX/XX/XXXX I received a phone call from XXXX XXXX XXXX XXXX Wells Fargo Bank to advised the answer to my complaint with CFPB, she was not able to explain why the denial based on prove of occupancy, can not give me the reason why, neither she can not explain why the appraisal of the property reads " owner occupied '' " the final report meets Wells Fargo Bank requirements and is acceptable as is '' " market value {$300000.00} USD '', that I was to contact the appraisal company. The appraisal company was contracted by Wells Fargo Bank, not by me. I also read in Wells Fargo Bank answer to my complaint, trying to contact me and not being able, which is a false and misleading statement, they talk to me without any problems on XXXX the XXXX, XXXX, and also today XX/XX/XXXX. It is obvious that Wells Fargo Bank is giving me the run around. I am not doing a Short Sale, I don't want my property to go on Foreclosure, I want a payment arrangement. Wells Fargo Bank does practices discrimination against XXXX and the XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Upon me reviewing my credit reports i notice a Collection account XXXX XXXX  Date Opened XX/XX/year>2019, and several other accounts.Attached is my FTC reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Lexus Nexus last year by email. I provided my information for them to identify me and I was replied to by saying I could request my consumer report. So I decided to call and asked if they verified my Bankruptcy and the first rep told me no that the Credit Bureaus did. I told her that is was impossible because two of the Bureaus said it was either the Bankruptcy court or Lexus Nexus. So I ended up having to call back. The second rep told me when I ask was that it was the Bankruptcy court that verified my Bankruptcy. So when I asked for proof of that so I can give it to the Bureaus amd court. I was denied that information because they said it was no way to provide me with that information unless I as for a consumer report. So I decided to write them and provide my information again to prove my identity and I received a letter again telling me that they couldn't authenticate my identity. Which I find strange, because when I call them that 1 time they only asked me for my last for digits of my social, address, name, amd DOB. And that's the same information I provided in the email originally. I also must add that along with the letter sent was copies of my License and Social Security card