23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

This is not a duplicate. Do not remove from CFPB portal. This is a new issue about a different check. Where is the endorsement for check XXXX? The image provided showed a stamp payable to Wells Fargo N.A without an account number? My husbands check was made payable to XXXX XXXX XXXX XXXXXXXX XXXX for payment of premium of our life insurance policy. There is no proof of deposit. There is no proof the premium was paid to XXXX XXXX XXXX for the policy. There is missing information that is required under check 21 act. I have attached an image from the Federal Reserve Board.gov website which shows information a personal cancelled check image should have. The image provided by XXXX does not show the Payees Bank Stamp, account number of payee and the stamp is missing an account number. Look at the images and compare. The XXXX ( XXXX  ) check is not legal proof of payment received by XXXX XXXX XXXX XXXXXXXX XXXX. I would like an explanation for the wilful concealment of information that XXXX is supposed to have before XXXX disburses funds against a personal check? Why does XXXX not provide the information to their customers about accounts received and disbursed to?
Product: Checking or savings account

On XXXXXXXX  i XXXX  chime number to dispute XXXXXXXX XXXX that came off my card from XXXX XXXX pulled up 2 numbers XXXX XXXX XXXX i called the XXXX # because it had called center they took me threw the steps so im not thinking told me to download this app go on my chime app log out but when I log back in the money gone be back on my card so I didnt no first time calling chime about a problem but call a scam number they took my my money i sent proof im XXXX see how can I get my XXXX XXXX back that was my last
Product: Debt collection

On XXXX an account was opened fraudulently in my name and using my social security number. I was notified on XXXX XXXX when a withdrawal in the amount of approximately XXXX was taking from my account. My bank gave my the merchant and telephone number and I contacted Preferred Lease to inform them this account was fraudulent. Preferred Lease directed me to their fraud department and took my information while also directing me to file a police report as well as a FTC report. I followed through but then they requested photo ID, social security card, and other information that I was uncomfortable with being as though this matter was already identity theft. I contacted the credit bureau and had them investigate the matter sending them the information they required. XXXX  stated that the account was validated as belonging to me. I asked XXXX  to send me what information was sent to verify my account and they stated that there was not anything sent to verify the account that Preferred lease just confirmed by email that the account belonged to me. As of today this has hindered my credit and is causing major damage as it is reporting late payments.
Product: Money transfers

I use Western union to send money and I have to constantly call to get money released and I do n't get the issues resolved, one person from the company tells me that I do n't need to call to get it reased but then when I send the money it wo n't get delivered to my famy member unless I call, I get charged for the service and I expect to get it, today was an agent being really unhelpful and rude just making me feel uncomfortable and global sanction and interdiction department wo n't help me. I still get charged and get not the device I 'm paying for. They will not help me resolve the issue, I have spent about 10 hours ( combined ), trying to get them to give me a service as they supposed to since they are getting paid for it. I asked for an explanation and they ca n't seem to give me a clear one, they want me to call every time even though I should not have to call, my friends and co workers have use the service and there was no need to call customer service for it, they can use the online service and will be done XXXX operator XXXX from the department in charge on this complaints will not even attempt to help me. Please help me to not have to stop work or whatever I 'm doing to get service as I should. Thank you
Product: Debt collection

Repeated calls multiple times per day. I told them to stop harassing me and I block their call but it comes from a different number the next day. They will not leave a message. When calling the number back they will not disclose any information about why they are calling until you give them your personal information.
Product: Payday loan, title loan, or personal loan

Applied for a loan with One Main for XXXX. Vehicle needed to be used for XXXX as collateral. The vehicle is sitting at a dealer since XXXX because it is not drivable. Explained to One Main and we paid XXXX to switch collateral to another vehicle and the other title would be sent to us to give to the dealer to sell. We have not received our title as of today XXXX. We called the XXXX and was told a lien is on both vehicles. I have contacted One Main with no success. Please help.
Product: Vehicle loan or lease

Paid the company off inXX/XX/XXXX they still proceeded to place a lien on my property in XX/XX/XXXX and then went out of business now I can't get the lien off my property XXXX  placed on it because they went out of business. ( Security National Automotive Acceptance XXXX ) was paid off and proceeded to not handle the paperwork properly and did not close my loan but yet while liquidating assets and accounts were negligent and proceeded to hire a lawyer and place a lien on my home without proper communication. I can provide my account number for Security National Automotive Acceptance XXXX XXXX. 

I will like a letter emailed by CFPB or mailed stating that Security National Automotive Acceptance XXXX is no longer in business so I can get my lien removed through the XXXX of GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$390.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Unauthorized Credit Inquiry by XXXX Card in Violation of FCRA Section 609 ( b ) Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint regarding an unauthorized credit inquiry on my credit report by XXXX Card. This inquiry appears to be a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( b ), which governs the permissible purposes for accessing consumer credit information. 

Details of the Issue : Unauthorized Inquiry : Upon reviewing my credit report, I discovered an inquiry listed under " XXXX XXXX '' that I did not authorize. I have never applied for or requested any credit product or service associated with XXXX XXXX. 

Potential Data Breach : This unauthorized inquiry raises concerns about a potential credit breach, as my personal information may have been accessed and misused without my consent.

Violation of FCRA Section 609 ( b ) : Under the FCRA, credit inquiries must be conducted with the explicit consent of the consumer or for a permissible purpose as defined by the statute. The presence of this inquiry without my authorization constitutes a clear violation of these provisions. 

Steps Taken to Resolve the Issue : I have attempted to contact XXXX XXXX directly to request an explanation and evidence of permissible purpose or authorization for this inquiry. As of this date, I have not received any satisfactory response. 

I have also disputed this inquiry with the credit reporting agencies ( XXXX, Experian, and XXXX ) but have not received confirmation that it has been removed. 

Requested Resolution : I request that the CFPB investigate this matter thoroughly and hold XXXX Card accountable for any improper actions or violations of the FCRA. 

I request that XXXX Card provide documentation verifying the permissible purpose or consumer authorization for this inquiry. If no such documentation exists, I request that the inquiry be immediately removed from my credit report. 

I request that measures be taken to ensure that XXXX Card complies with FCRA regulations to prevent unauthorized inquiries or breaches of consumer credit information in the future. 

Enclosed with this letter, I have provided : A copy of my credit report highlighting the unauthorized inquiry by XXXX Card. 

Copies of correspondence I have sent to XXXX Card and the credit reporting agencies regarding this issue. 

This unauthorized inquiry has caused me unnecessary distress and raises serious concerns about the security of my personal information. I trust the CFPB will take swift action to address this violation and ensure compliance with consumer protection laws. 

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

I have reached out to the Transunion, XXXX, and XXXX in regards to the 2 accounts showing on my report XXXX XXXX and XXXX, I have contacted them several times advising them they were fraudulently opened and unauthorized by me, I have been dealing with this issue since XX/XX/2018, I do not have a XXXX account or a XXXX account and never have, I want this issue to be resolved, I have done all the proper procedure they have asked of me and still nothing has changed. I want this to be resolved please.
Product: Debt collection

I have a collection on my credit from XXXX XXXX. It is from an illegal mortgage foreclosure. I do n't owe what he says I owe. I do n't owe anything. XXXX XXXX is not licensed or bonded to collect in my state. I sent for validation of the debt but they never sent me anything, yet they continue to report this on my credit
Product: Prepaid card

I receive my payroll from XXXX on a XXXX XXXX. On XXXX, my paycheck of approximately {$600.00} was deposited into my account and when I went to withdrawal the money to put into my personal bank account, it stated insufficient funds. I immediately contacted XXXX to notify them of what happened. They asked me several questions, such as how many cards were issued, answer 1, does anyone have access to my card, answer no, does anyone have my personal information, answer no, do I have the card in my possession, answer yes. XXXX said they would mailing me a Dispute form, which I was to complete and return. Before I could complete and return the form, I received a letter from XXXX denying my claim of {$580.00}. This is the 3rd time in the last year that this has happened to me and each time XXXX denies my claim and I have to file complaints against them.

I would cancel my card except my employer deposits my paychecks into this account. 
I believe that a XXXX  employee is taking my money because I had the only card issued and a XXXX employee would be able to get a duplicate card and would have access to my personal information. 

I need your assistance getting this money back. I only bring home {$1400.00} a month, so having {$580.00} taken from me is devistating. 

thank you for your help.
Product: Debt collection

8 months ago i spoke with a supervisor at ally financial in regards to them calling my family members as well as the car salesman that sold me the car whenever i got behind on my car note. They assured me that they will remove all numbers that is not my contact number so no one else other than myself would receive a call if i ever fell behind again. i have also inquired on a bill they are charging me for a repossession fee when my car has never been repossessed. i have spoken with several people as well as management in regards to this charge but yet have not have it resolved and i still am getting billed for it. it has been over 6 month and no one has returned my call or have not removed this fee. 
now that i have fallen behind again they have started to call the salesman that sold me the car ( a person i don't know personally ) my parents and a friend. when i call them and ask for a supervisor, all they do is put me on hold or say that all of the supervisors are in a meeting than fowards me to a voice mail. i don't understand how every supervisor for such a large organization is always in a meeting when i ask for one!
Product: Mortgage

Bank of America mortgage. I have already filed an existing complaint about them due to a double payment being taken from our account two times! 

Today I spoke to a customer representative who could clearly see the overpayment made, this time though, I was asked to submit copies of our BANK STATEMENT by Fax to PROVE too much was deducted from our account. 
I contacted Corporate on XXXX XXXX 2020 XXXX XXXX, who advised me by email that they were in the process of reversing the overpayment. 
That wasnt done. 

Now I have to find a fax machine, and send them personal information in the hope our details get to the right person. I have no way of getting an acknowledgement that it has arrived and they are dealing with it. 

I am shocked to have to do this but then again, its Bank of America.
Product: Debt collection

called with voicemail saying they would contact my job and named my employeer and also that i will be having a case filed against me.
Product: Mortgage

Wells Fargo changed their mind and would not release funds to a FL XXXX XXXX XXXX unless I signed a " repair affidavit ''. This request for {$4500.00} is NOT a repair. The request is solely and specifically for the legally allowed 10 % of the {$45000.00} claim that the adjuster helped obtain from the insurance company. 
All parties have endorsed the check and Wells Fargo is holding the {$45000.00}. I have sent, via fax number Wells provided, the insurance adjusters invoice and requested the 10 % funds be released to them or to me to pay them. 
Wells Fargo has bounced me around with no resolution. Amazing someone at a billion-dollar bank, holding in escrow over $ XXXX of insurance settlement monies ( more is due to us ) yet can't release {$4500.00} - which aren't repair monies - to the insurance adjuster that helped gain the {$45000.00} insurance payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX Notice for Proof of Claim Account : THE XXXX XXXX XXXX XXXX ToWhom it may Concern : This is a complaint submitted Under OHIO LAW U.C.C131912TakingassignmentofdebtsStates ( C ) No collection agency shall commence 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error, I demand that you send me the following proofs. As you are obligated to doin accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

I have numerous inquiries viewed by others and me on my Chex Systems Consumer Report which is preventing me from opening up a checking account. I shouldnt have any inquiries listed or showing on my Chex Systems Consumer Report. The inquiries currently listed and showing on my Chex Systems Consumer report are unauthorized and not my inquiries.
Product: Debt collection

Upon me looking at my consumer report I observed a XXXX party debt collector that I do not know and have never had a contract with, without permissible purpose reporting on my consumer report using different fictious names/spellings that denotes a entirely different entity. After this I received a debt collection letter in the mail. I was not even given a chance to validate the debt which is a violation of my rights as a consumer and it is also identity theft. A tender of payment was issued to the original creditor according to XXXX XXXX, for the complete amount making this debt satisfied. All applicable laws are attached with an affidavit for your review.
Product: Credit card or prepaid card

I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I received an email from the company stating that they were permanently deactivating my account because my actions and inquiries were in violation of their agreement. They further said that the funds in my account would be held for 180 days for loss prevention purposes. They would contact me should these funds be available. Today 's email said that this case was closed and they will no longer reply to my inquiries. 
I have never received anything from them explaining the reason for this decision, no proof or examples of anything I did wrong. They have been very evasive about details and flippant about returning my money. There was {$280.00} at the time they closed the account and there is the same amount now.
Product: Vehicle loan or lease

I have an auto loan with Exeter Finance and they continue to not report in a timely manner to the credit bureaus. On XX/XX/XXXX they reported the XXXX payment. The payments are made at the beginning of the month. It is XX/XX/XXXX and the reports are only reflecting through XXXX. Additionally, my score dropped b/c the balanced reported on XX/XX/XXXX increased by {$240.00}. All payments for the last 6 months have been made on time and for the full amount of {$390.00}. Therefore, I do not understand how the balance reported was {$240.00} more. The balance reported is showing as {$11000.00} and the balance remaining currently is {$11000.00}. When trying to explain this to anyone at Exeter the best answer that I get is that it is " how the interest posts ''. The interest is {$240.00} a month. However, if I paid the full {$390.00} on XX/XX/XXXX and they reported on XX/XX/XXXX, my balance should have decreased by {$150.00}. This company continues to take advantage of borrowers by reporting in a manner that interferes with my credit score in an effort to keep you stuck in their predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX account # XXXX, XXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

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

PLEASE PLEASE PLLLLLEASE. STOP EQUIFAX FROM TRASHING MY CREDIT SCORE. THEREIS NO REASON FOR THE UNFAIR CREDIT SCORE. I AM GOINGTO FILE CIVIL LITAGATION AGAINST YOUR AGENCY FOR ALLOWING THIS TO KEEP HAPPENING. 
I AM ALSO FOR THE XXXX TIME NOT KIDDING EITHER GOING TO CONTACT FTC AND ASK THEM TO COME AFTER YOUR AGENCY FOR CONTINUING TO ALLOW THIS UNFAIR CREDIT SCORE MESS TO KEEP HAPPENING TO ME WHERREAS IT'S RUING MY LIFE. HOW INTHE XXXX YOU PAY OFF LOANS AND GETS NO CREDIT? XXXX ... 
I AM SO SICK OF THIS. ITS YOUR AGENCY 'S JOB TO STOP THIS CRAZY UNFAIR CREDIT SCORE MESS SO PLEASE PLEASE DO SOMETHING TO EQUIFQAX!