23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT ADDRESSES : 1. XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX 2. XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 4. XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX 5. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX FL XXXX 6. XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 8. XXXX XXXX XXXX XXXX XXXX FL XXXX SOCIAL SECURITY NUMBER VARIATIONS : 1. XXXX
Product: Money transfer, virtual currency, or money service

Hello I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX on XX/XX/2023 to do wire but they said it is cheaper to do it with your phone so they showed me how to do it and I did a wire transfer through my phone for {$880.00}. I got receipt number XXXX. It said date funds available XXXX XX/XX/2023. I waited then the person I sent the money to still didnt get it yet. Then I went to bank they said we cant help you you did it in your phone. I have receipt transaction number proof of payment and everything. Manager told me cant help me I have to message them on messaging center. I did that then they ask for my receipient information I submitted that. They told me to wait another 2-3 days while all this is going to on every two to three days the weekend comes so technically I was losing 5 days to waiting for my payment to get to my receipient. Still didnt get it contact chase executive office spoke to wire transfer specialist he gave me this case number XXXX he told me we will send them communication they have the funds now wait for their response another two to three days. I wait another week then I call and he goes they didnt respond so Im gon na go my higher ups and get them involved. Another two three days. Then again I called today XX/XX/2023 49 days later he goes no response for that bank. So that was my hard earned money saved. And chase bank cant help me. I need help please help me resolve my issue I will highly appreciate that. 

If you need any receipts Proof of payment I can email you Thankyou
Product: Credit reporting or other personal consumer reports

Upon me reveiwing my credit reports i noticed that three accounts namely XXXX XXXX XXXX ACCOUNTS AND XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft and someone got an auto loan in my name. It just came up during the COVID Pandemic
Product: Vehicle loan or lease

I contacted Nissan motor acceptance via chat first XX/XX/year>. After going through a grueling authentication process, I asked for a supervisor.I even advised, maybe the salesman had listed something other than what was provided at the POS. XXXX just remained adamant at getting the exact authentication, regardless of providing my middle initial vs middle name. I verified what was on file, and requested it be updated as i have provided in the chat. Sure it wont be, but its on file. XXXX never answered my question directly, which was initially regarding payment options. She likes to answer questions with questions! The agent wasnt able to transfer, advised me to call in. She was most unhelpful, and replied with automated information NOT pertinent to my inquiry. She then proceeded to put me through a questionnaire for a process she knew I didnt qualify. Given how familiar she was on my account history, and that no payment had been received! Mind you, the first payment wasnt due until 45 days after purchase! The current payment is 10 days past due. Her only concern was getting the payment! XXXX gave no other relevant alternatives, and a non apology! Just un empathetic, unprofessional! I then call in, am disconnected after a 5min hold. I call back and speak with a great representative, who went above and beyond to take ownership of my concerns. I maintained wanting a supervisor. He transferred me to the escalations team, who after another excessive hold, disconnected at pick up! I wish Id never left XXXX, as nissan doesnt have favorable policies for consumers experiencing financial hardships! The customer service is terrible, I actually would love to be transferred back yo my previous finance company!! Actively seeking information if this is possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX  Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$140000.00} XXXX XXXX Balance Owed : {$0.00} DPT EDXXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX Balance Owed : {$840.00} XXXX XXXX XXXX Balance Owed : {$7100.00}
Product: Debt collection

FCRA - collection agency put this on my credit report without validation, no communication via email or letter correspondence. Need to verify debt. Not time this is almost past statue of limits for the state of Tx unlawful practices payday loan company
Product: Debt collection

To Whom It May Concern, I am filing this complaint against Credence Resource Management for egregious violations of the Fair Credit Reporting Act ( FCRA ) and unethical debt collection practices. This companys actions have caused undue harm to my credit profile, emotional distress, and financial well-being.

Specific Allegations : 1. Reporting Inaccurate or Unverified Debt : Credence Resource Management has reported a debt to the credit bureaus that is either inaccurate, unverified, or both. According to Section 1681e ( b ) of the FCRA, furnishers of information are required to ensure that the information they report to credit reporting agencies is accurate and complete. This obligation has been blatantly disregarded in my case.

2. Failure to Provide Proper Validation : Despite my formal request for debt validation under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), Credence Resource Management failed to provide sufficient documentation to prove the legitimacy of the debt. Instead, they continue to report unverifiable information, which is a direct violation of 15 U.S.C. 1692g of the FDCPA.

3. Harassment and Unlawful Communication Practices : Credence Resource Management has engaged in harassing communication tactics, contacting me repeatedly via phone and mail without adhering to the guidelines established under the FDCPA, including contacting me outside legally permitted hours and failing to cease communication after I requested validation of the debt. 

Legal Precedent : CFPB XXXX XXXX Case The recent CFPB lawsuit against XXXX demonstrates the importance of strict compliance with the FCRA in ensuring accurate credit reporting. In the case, XXXX was held accountable for its failure to uphold these standards, and I urge the CFPB to take similar action against Credence Resource Management. This companys systemic disregard for consumer protection laws mirrors the same type of misconduct outlined in the CFPB vs. XXXX lawsuit. 

Requested Action : I am requesting the following actions from the CFPB : Investigate Credence Resource Management for its repeated violations of the FCRA and FDCPA. 
Require Credence Resource Management to cease all collection activities related to the unverified debt. 
Enforce penalties for their inaccurate reporting and noncompliance with federal laws. 
Require them to remove any negative information they have furnished to the credit bureaus immediately. 

Supporting Evidence : Attached are the following documents for your review : Copies of my written requests for debt validation.

Proof of Credence Resource Managements failure to respond adequately. 
Records of communication and harassment. 
A copy of my credit report showing the erroneous debt reported by Credence Resource Management. 

This situation has caused significant harm to my credit standing and financial stability. I am requesting immediate intervention from the CFPB to hold Credence Resource Management accountable for their unlawful practices. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Credit card

I am writing to express my extreme dissatisfaction and to file a formal complaint regarding the terms of my new Wells Fargo Reflect Visa card I spoke with a Wells Fargo employee who explicitly stated that the Wells Fargo Reflect Visa card offered a 0 % Annual Percentage Rate ( APR ) for a period of 21 months. This information was the primary, and frankly the only, reason I decided to apply for this particular credit card. 

Based on this assurance from your representative, coupled with the marketing of the Wells Fargo Reflect card which prominently features a 0 % introductory APR period, I proceeded with the application and was subsequently approved. 

However, upon receiving my first statement, I was dismayed to discover that I am being charged interest at a rate that is clearly not 0 % for the introductory period. This is in direct contradiction to the information I was given by your employee and the advertised terms of the card. 

The fact that I was specifically informed of a 0 % APR for 21 months by a Wells Fargo representative, that the card is marketed with this very offer, and that my application was approved, leads me to believe that I should indeed be receiving this promotional rate. The discrepancy between what I was told and what I am now being charged is incredibly misleading and unacceptable. I would not have applied for this card had I known the terms were different. 

I request an immediate investigation into this matter. I expect Wells Fargo to honor the 0 % APR for 21 months as I was explicitly told and as the card is advertised. I would appreciate a prompt resolution to this issue, including the appropriate adjustments to my account to reflect the promised 0 % APR.
Product: Debt collection

I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas Rent Relief. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the Credit Reporting Agencies are furnishing this unauthorized fraud.

The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the Credit Reporting Agencies and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.

STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX XXXX XXXX XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : DP OF  EDUC ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint against Experian Information Solutions Inc . There is no third party involved in this complaint. I am demanding that Experian Information Solutions Inc. provides me with a copy of my written instructions that states I would like for their consumer reporting agency to furnish these fraudulent accounts. I am requesting that Experian Information Solutions Inc. provides me with their method of verification used to " verify '' the alleged accounts. According to the Fair Credit Reporting Act, Experian Information Solutions Inc. has violated my rights under 15 USC 1681b ( a ) ( 2 ). The accounts listed in the exhibit attached need to be deleted from my consumer report immediately. Experian Information Solutions Inc. have failed to provide me with proper verification, nor do they have written instructions or consent to furnish these fraudulent accounts.
Product: Checking or savings account

My complaint is with Fifth Third Bank ; its failure to send monthly/quarterly checking account statements by mail/email, and the delay in receiving a refund for monthly service charges which accrued to a total of {$400.00}. 

This issue involves my deceased husband 's Fifth Third Bank Essential checking account and debit card. He passed away on XX/XX/XXXX. I notified the bank about his death on XX/XX/XXXX. 

Fifth Third Bank failed to send any monthly checking account statements either by mail or email which resulted in monthly service charges/recurring debit card purchase charges accruing without my knowledge. 

Soon after, the COVID-19 pandemic hit, with lockdowns and restrictions causing further delays in conducting business matters. 

On XX/XX/XXXX, I presented a Small Estate Affidavit, his debit card, and my identification to personal banker XXXX XXXX at the Fifth Third Bank branch located at XXXX XXXX XXXX XXXX in XXXX Illinois. XXXX contact numbers are ( XXXX ) XXXX and ( XXXX ) XXXX and her email address is XXXX. XXXX proceeded on closing his checking account and issued me a cashiers check in the amount of only {$380.00}. 
I have an ATM transaction receipt dated XX/XX/XXXX, showing a deposit of {$1100.00} was made to his checking account. I immediately disputed this balance with XXXX, and she requested copies of his monthly checking account statements from XX/XX/XXXX through XX/XX/XXXX. 

These statements revealed a total of {$400.00} in monthly service charges from March 2019-March 2022. In addition, there were three yearly recurring debit card purchase charges from XXXX which occurred on XXXX for {$120.00} ; XXXX for {$120.00} ; and XXXX for {$130.00}, totaling {$390.00}. 

On XX/XX/XXXX, I compiled and sent four emails with attachments of highlighted debited charges as well as picture proof that Fifth Third Bank failed to send monthly checking account statements to his email address. XXXX acknowledged receipt of these emails to her email address XXXX and forwarded them for review to get a refund issued for {$400.00}. 

I have inquired both by voicemail and email approximately 7 times and still no refund has been issued. 

Fifth Third Bank failed to send his monthly checking account statements either by mail or his email address. I was completely unaware that any charges were being debited.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the deletion of certain remarks from my credit report maintained by your agency, purst to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e . It has come to my attention that there are inaccurate and damaging remarks on my credit report, which have adversely affected my creditworthiness and financial standing. I believe these remarks do not reflect my current commitment and responsibility toward my financial obligations. I would like to emphasize that these remarks are not only incorrect but also violate the provisions outlined in 15 USC 1681e of the FCRA, which requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Furthermore, I am exploring legal options to address this matter, including the initiation of a lawsuit if necessary. Please consider this letter as formal notice of my intent to pursue legal action if the inaccurate remarks are not promptly removed from my credit report. I kindly request that you investigate this matter promptly and provide me with written confirmation of the deletion of the inaccurate remarks from my credit report within a reasonable timeframe, such as 3 days from the date of this letter. Failure to comply with this request will leave me with no choice but to take further legal action to protect my rights under the FCRA. 

XXXX XXXX XXXXXXXX Update status on dates followed to current/paid as agreed or delete from consumer report immediately. 

Dates : XXXX Thank you for your prompt attention to this matter. I look forward to receiving confirmation of the deletion of the inaccurate remarks from my credit report.
Product: Debt collection

XX/XX/XXXX I was contacted at my workplace by a co-worker stating that she received a call from this company stating she was going to be faced with a civil suit in XXXX XXXX XXXX on a legal matter that involved me. She gave them my work number. The company identified themselves as a service that needed to advise me that there was a pending civil suit against me and the male voice then transferred me to a company that announced themselves as XXXX - her name was XXXX. she stated QC Holdings were going to file a civil suit in XXXX XXXX for breach of a contract back on XX/XX/XXXX. I advised I have never heard of QC Holdings Company. I asked that they please not contact me at work and told them that this must be a spam. She then talked over me stating this was the number that was listed on my contract and said other things that I did not catch all of the conversation as I was caught off guard, at work, upset with someone threatening a civil suit for a breach. I verified with her my cell number. I asked what this company was? she then sent me to a gentleman named XXXX. I ended call before he came on. I then received a call on my mobile XXXX. He identified himself. I again asked questions of who they were and why were they calling me. He was very pushy and I asked to please send me proof of the contract that they stated I breached. He said he did not have that info. I finally got out of him it was a check cashing loan place that was stating I had not paid an amount of {$280.00} and the statute of limitations for his client would be running out soon and they needed to collect this. He stated it occurred on XX/XX/XXXX. He identified my last 4 of SS # and my bank name but account number last XXXX was not correct. He also stated the address of the pay day loan company here in XXXX. I had settled with a check cashing company that I used back in XXXX with the address that he stated this took place in XX/XX/XXXX. I settled this debt through the assistance of a credit advisement company that is in here in XXXX Called XXXX XXXX  I told the gentleman this, but he again stated I would be subjected to a civil lawsuit including filing and attorney fees. He stated he would send me a settlement contract via email. Which he did. But the amount of the breach was {$280.00}. the fees and fines made the total to be {$780.00} but he could settle this today for {$440.00}. I advised that I need to see the amount of the contract he kept referring to. He stated he did not have that, but he was sure it was correct as his client would not have sent it to him. I have not signed the agreement and I am seeking help. This company has not provided me anything in writing of the contract they state I breached.
Product: Debt or credit management

On XX/XX/year> I settled the debt for a pay to delete {$XXXX}