23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Chase is allowing XXXX to steal money from my account without attempting to dispute any claim at all.
Product: Debt collection

Anoter debit correction company harassed me. It wasn't my bills and they stolen personal information. I never live in Texas also I don't have any family and friends in Texas. I never signed those company. I'm tired of from XXXXXXXX XXXX XXXX XXXX and debit correction. I have a police report. I would like to request of stop harassing and never contact me.
Product: Debt collection

On XX/XX/XXXX, my roommate, XXXX XXXX XXXX, and I moved into an apartment together at XXXX XXXX XXXX  in XXXX XXXX, XXXX. I was only XXXX years old and my father had just passed away two weeks previous. My mother lived in XXXX  at the time. After I had been in this apartment for a while, I became rather depressed and wanted to go move in with my mother. XXXX and I inquired at the leasing office about taking me off the lease. They were agreeable to it and on XX/XX/XXXX we both signed to remove me from the lease and I left for XXXX shortly after that. I didn't keep in touch with XXXX XXXX after leaving XXXX but about XX/XX/XXXX I discovered I was included in the issues that the apartment complex had with XXXX XXXX that involved non-payment of rent, and an unapproved pet, and eventual eviction. 

None of these things happened while I was on the lease and living in that apartment. Yet, when the debt got turned over to a collection agency they included me in the complaint. This is not my debt and I am attaching two documents proving that I was in fact removed from the lease and that I left XXXX shortly after being taken off the lease via my plane ticket purchase from XXXX. 

I have contacted the apartment complex multiple times, and tried talking to the collection agency they turned it over to ( Advanced Collection Bur ). The collection agency insists with XXXX that this is in fact my debt even though I submitted evidence to the contrary. I don't understand why proof that I was removed from the lease is not enough for XXXX to take it off my credit history. I am also having the SAME problem with XXXX and XXXX. Every time I dispute it, Advanced Collection Bur comes back and claims it is valid, but they have no proof to back this up. I have proof it is invalid. How are they allowed to do this to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

CRAs violate 15 USC 1681A2a ( i ) and may not put consumer transactions on their consumer report. By FCRA and FDCPA laws, this inaccurate information must be removed immediately. 
I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On Thursday I opened an account online with TD Bank and was approved. Before, every time I applied I was always denied because I owe them from an overdraft account years ago. Following that I received a letter in the mail saying that my account was one of the accounts listed in the TD overdraft settlement, and I put in my claim for it months back. In early XX/XX/2020, I called TD recovery department and asked for the owed balance to be settled, I was offered {$200.00} by XX/XX/XXXX, I agreed with that price. On XX/XX/2020 I walked into the TD branch in XXXX, FL to seek assistance and letting them know I just opened an account but I would like to pay whatever I owe first that way I wont go through any hurdles maintaining my account. I told the assistant manager, I dont remember his name, but it was a busy day and he took me and I gave him my ID, and he ran me through TD systems and verified that I did not owe anything to them, and he instead to verify and he called TD security to make sure everything is okay. He said he see nothing that I owe again, so I told him about my taxes and I needed somewhere local to store the funds, he told me to open the account. I opened it, deposited {$100.00} in my checking and {$20.00} in my savings, and was given a debit card. Then I came later that day and deposited {$300.00} into the atm because I didnt want to have too many cash on me. Friday passed, Saturday, I tried using the card for XXXX, it didnt work, XXXX XXXX, it didnt work. I called td to ask why its not working. I was told the account is not activated because the security team put an alert on my account from past due. I cant use my card at all with {$390.00} on my account with them that I just opened. I had to ask family for money to get where I needed to go because I was able to log in the app and there was funds shown. This is really emotional because I could have paid them the settlement of {$200.00} but I was told its was no past due accounts found. This is a horrible time for it to happen while trying to pay for bills.
Product: Debt collection

We signed with XXXX XXXX XXXX XXXX for service in XX/XX/XXXX. Service was unacceptable, we paid what we owned and cancelled in XX/XX/XXXX. We were contacted by a collection Co. ( XXXX ) that we owed {$100.00}, ( date not remembered ). We contested the claim. On XXXX, we received a letter from the XXXX That noted " Current Balance : Not Applicable ''. The letter also stated that the " ... account is closed in our office ''. Not knowing what " Current Balance : Not Applicable '' actually meant, so on XXXX, I phoned, talked to an employee who said that they had contacted XXXX advising we had contested the bill and XXXX XXXX had agreed we did n't owe anything. Stupidly, I failed to ask for this in writing. OnXXXXXX/XX/XXXX ( 3 yrs. later ), We received a letter from another collection company, RPM, that if we would pay {$53.00}, ( 60 % ) they would be willing to close our " out standing balance ''. We contested that so they came back that we owed {$100.00}. What is needed at this juncture to establish that we do not owe this!
Product: Debt collection

State Farm Ban k has put a charged off credit card account on my  XXXX  credit bureau reports and I have written t o State Farm Ban k and demanded certain information to verify the account and the accuracy of the information they reported - They finally sent me a letter telling me that they will NOT provide me with the requested information - They will not allow me access to all account statements etc to be able to verify this disputed account - The  XXXX    CBR 'S will NOT remove the disputed account even though they have been provided the letter from State Farm Bank telling me that they will not provide any information that I have requested and legally should receive.
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State Farm bank has continually violated m  y FDCPA rights and my rights to fair billing and collections
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION. PLEASE REFER TO THE ATTACHED ITEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Collection XXXX is reporting on my credit report in violation. I never got a notice for this debt. I just saw it on my credit report and I didnt't received my 30 day right to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.
Product: Checking or savings account

On XXXX XXXXXX/XX/XXXX @ XXXX pm, XXXX unauthorized ATM withdrawals were made on my cashapp account. {$200.00} @ XXXX pm, {$200.00} @ XXXX pm, {$200.00} @ XXXX pm and {$200.00} @ XXXX pm. 

I reached out to cashapp to resolve the issue on by requesting a review of the unauthorized ATM withdrawals. I submitted my request through the app on Saturday XX/XX/XXXX when I noticed my account was being compromised. I spoke to customer service and ordered a new card. 

On XX/XX/XXXX Cashapp denied my request for reimbursement. I have made several calls to speak to a supervisor. Cash app has denied my request and not shown proof for denying my refund. Ultimately Cashapp has denied my request for a refund and documentation for proof. 
The transactions that were made were done in XXXX as I gathered from cashapp. I do not live in XXXX The companies name is ( XXXX XXXX ) and it is located in XXXX. 

I have emails as proof of these interactions.
Product: Checking or savings account

On the XXXX of XXXX I cash my check for XXXX and went to regions to deposit XXXX for bills and to put money in my savings. I went to the atm to deposit like I normally do everything look normal I went select deposit and put all XXXX in the atm it close and started to count the stop and said error didnt dispense the money back out. Print a receipt that said to see teller. I went in to file complaint while I waited Im looking at people using the atm with look like no problem
Product: Mortgage

Alliant Credit Union Loan - 30 Year Loan Paid in Full On XXXX I paid off my loan. Rep. indicated that was going to take a few weeks to rec 'd title. on XX/XX/XXXX i accessed my account online, and notice there was an outstanding balance of XXXX. I called and spoke with XXXX, ( XXXX ) she mentioned there was an error in applying the balance, and opened a work order to correct issue. 
On XX/XX/XXXX, I spoke with XXXX, and the error is still not corrected, I was transferred to supervisor XXXX initials ( XXXX ), and assured me the error will be corrected, she also mentioned they open an accelerating ticket to fix error. 
On XX/XX/XXXX spoke with XXXX XXXX XXXX XXXX, and error still not corrected, on XX/XX/XXXX I was transferred to another department and they hung up my call. 
As today, I sold my apartment and the title loan officer is trying to obtain copy of the payoff since XX/XX/XXXX with not satisfactory reply. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital 1Auto finance on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once Capital 1 auto finance got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then Capital 1 auto finance charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who explained that a representative from Capital 1 auto finance advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.
Product: Debt collection

keep getting calls debt collector people for ( XXXX XXXX ) a person I do not know. This has been going on for rover 5 years. Keep asking for information and the huge amount of call are an invasion of my privacy. I have asked how they keep got my name and number and they can not say.
Product: Debt collection

On XX/XX/2018 I contacted LVNV Funding, LLC by certified mail in regard to info that they had sent to me in response to my request for validation for the XXXX account they say that I owe. I told them then that the account in question was not my account however instead of researching their records they continue to pursue me for an account that is not mine. Last month I reached out to the bank they say is the original debtor and sent them an email requesting that they research their records as well in regards to this account. Still I have not gotten one response from them. I tried to dispute this account again with the credit bureaus as I have been doing for years but they said that its already been disputed and they will not look at it again. Then a few weeks ago I received a letter from a company called XXXX XXXX XXXX XXXX, XXXX indicating that their client LVNV Funding LLC authorized them to offer me a settlement on a debt that LVNV has not been able to validate nor have they provided any of the information that is necessary by law that shows that this is my account even after repeated requests for that information. I am requesting assistance in this matter and am ready to file suit against this company for repeatedly putting incorrect information in my credit file even after I have asked them to correctly and legally validate the debt. I am seeking restitution for the issues and the many setbacks to me being able to purchase a home and be given other credit opportunities.
Product: Debt collection

Wakefield Associates is falsely reporting 2 collections accounts on my XXXX, XXXX, and XXXX  credit reports. I have recently just disputed these accounts and asked for verification of these said debts. Neither of the 2 said accounts have an ACCOUNT NUMBER to the said account. 1st dated XX/XX/2018 ( {$1800.00} ) The 2nd acoount XX/XX/2018 ( {$1900.00} ). No account numbers nor any verification of these debts have been satisfied by me. I have no contract with Wakefield Associates.
Product: Credit reporting or other personal consumer reports

Greetings CFPB, my name is XXXX XXXX, and I am writing to demand the removal of an inaccurate collection account from my consumer report and compensation for actual damages, I was denied a loan due to this account appearing on my consumer report and time in disputing this account. The account in question is from XXXX XXXX XXXX, account # : XXXX in the amount of XXXX showing on my consumer report without my consent. I have no contract with XXXX XXXX XXXX and have given no consent for them to use my name, likeness, or credit data. Furthermore, this collection account violates the Fair Credit Reporting Act ( FCRA ) as per Section 607 ( a ) ( 1 ) and ( 2 ) of the FCRA which requires credit reporting agencies like TransUnion to ensure that the information they report is accurate, complete and up to date. Also, Section 615 ( a ) ( 1 ) states that no person shall furnish any information relating to a consumer to any reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Additionally, this violates Section 621 of the FCRA which states that any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}, as the court may allow. Furthermore, this violates 15 USC 1681 et seq, particularly 15 USC 1681i and 15 USC 1681j which states that credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates and any person who fails to comply with any requirement imposed under this title shall be liable to the United States for a civil penalty. Furthermore, this collection account was fraudulently bought and sold, which is a violation of the Fair Debt Collection Practice Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practice Act ( RFDCPA ), which prohibited the sale or purchase of a debt that the seller or purchaser knows or should know is not legitimate. This also violates the prohibition of any form of deception or fraud under the federal laws such as 18 USC 1341 ( Mail Fraud ) and 18 USC 1343 ( Wire Fraud ) I demand that you immediately investigate this matter and take necessary action to remove the illegal collection account from my consumer report and also compensate me for my damages and time for disputing this account. I have attached my Affidavit of XXXX and the denial letter of the loan I applied for. Thank You for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the presence of hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I learned from my credit report that someone opened an curacao account under my identity, account number : XXXX, this is fraud, I have never used it, please close this account, I have reported the incident to the police.
Product: Checking or savings account

The below complaint was filed yesterday, replied to today. However, I am unable to view their response, the link does not work. The CFPB rep stated she could not mail or email me a copy of it, I have copied the complaint below which I updated.. 

Wells Fargo rep by the name of XXXX claims to have made numerous attempts at resolution to complaints filed prior, I believe this to be false. The reasons are as follows .... They have denied my request for resolution which includes a refund of overdraft and other fees charged to accounts opened as a result of high pressure sales tactics to boost company profits by Wells Fargo reps. The refund amount, {$610.00}, was requested both in prior CFPB complaints and mediation requests. A total of five mediation packets were filled out, mailed in to Wells Fargo claims reps. A rep by the name of XXXX XXXX reached out, we spoke over the phone, a settlement amount of {$3700.00} was offered and never received. Additional complains were then filed with CFPB pertaining to this issue and issue of overdraft fee ( s ) refund, {$610.00} was requested again. It was denied, stating a check was sent and supposedly cashed which was never received. I did not receive any such check. XXXX XXXX would not provide settlement offer in writing, which I believe is shady and the reason for it is so Wells Fargo can deny they made such offer and not honor it. That being said I believe Wells Fargo is overall a very shady institution and should be investigated by CFPB. As for this matter, failing to honor settlement offer, a refund check in amount of {$610.00} will resolve this. The total of fees charged to accounts mentioned prior, opened as a result of high pressure sales tactics, is {$870.00}. I reasonably deducted prior refund amounts from this resulting in a total of {$610.00} which I request as resolution. I also request a copy of any cashed check Wells Fargo refers to in amount of {$3700.00}.
Product: Credit reporting or other personal consumer reports

I have looked on my consumer report and notice some hard inquiries that dont have permissible purpose & according to the Fair Reporting Act anything furnished on my consumer report must have permissible purpose according to the law 15 USC 1681 B. 

XXXX XXXXDelete because no permissible purpose according to Fair Reporting Act 15 USC 1681 B XXXXDelete because no permissible purpose according to Fair Reporting Act 15 USC 1681 B
Product: Mortgage

My loan was service transferred from XXXX XXXX XXXX to specialized Loan Servicing over a month ago. Since my loan is in the state of my deceased mother they have not spoken to me about the loan even though I have on multiple occasions emailed and faxed over the documentation showing the estate awarded to me and on the Executor of estate. Also XXXX XXXX XXXX should have transferred this information over as well. There is an issue with my escrow account and nobody will talk to me about it even though I keep sending them the proper documentation so they can speak to me. At this point it 's costing me more money from them because there appears to be forced placed insurance in addition to my regular insurance and I ca n't speak to anyone about it to get this rectified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I filed a complaint with Experian about inquiries that were on my credit profile. Instead of the company clearing up this matter, they decided to ignore my request to validate the inquiries. They insisted that I had to follow up with the companies because the companies were the ones who placed the inquiries on my account. I told them that I was filing a dispute about their reporting and that it was their responsibility to make sure that the inquiries that they were reporting should be validated on their end. They chose to ignore my request for validation. I followed up with a second letter on XX/XX/XXXX asking them again to validate the inquiries but they chose to not validate the accounts and Instead place a fraud alert on my credit profile instead of doing their jobs and completing the investigation. I am concerned with the validity of these inquires on my credit profile and it represents a serious error in their reporting on my credit profile. 

Both letters were sent via certified mail and the signature receipts are attached to this as well.