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

In accordance with the Fair Credit Reporting Act 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple years ago I became aware of identity theft or some other type of fraud that involved the use of my identity in which to create credit accounts and debt which were not mine. I had contact the CRAs and XXXX XXXX  in order to get the issues cleared up. Wells Fargo has refused to remove data pertaining to account ( XXXX ) which were allegedly incurred by myself but were not. They were a result of ID theft as I did not incur these debts or ever personally enter into any contract extending credit to me with this bank. Yet in spite of me filing a police report and repeatedly attempting to have these issues addressed, Wells Fargo seems to be ignoring these pleas from me to correct the issues. I have no choice but to file my grievances here as well as filing suit against them. Their erroneous reporting has caused me XXXX  and undue stress and hardship to me emotionally and financially. I have gone through hours of my time sending letters, filing reports and doing anything I could to correct this. Yet Wells Fargo ignores me and continues to report this undue negative data on my personal credit reports. They have attempting to call and harass me and I have told them that these collection accounts are a result of fraud, yet they do not do anything to help resolve the issues. This is not acceptable. I have suffered on many levels due to their inability to correct these issues!
Product: Debt collection

United Collections Bureau contacted me several times a day from XXXX to XX/XX/year>. Not one time did they identify who they were or why they were calling via voicemail. The number came up as Scam Likely on caller ID. Then it stopped. Within a week my bank account was frozen with a hold amount for {$6700.00} on a tax lien. The bank gave me their information and I initiated contact. I took a personal loan and authorized UCB to take payment in full on XX/XX/year>. The next morning a bank initiated payment was made to them in the amount of {$6600.00}. I immediately called the bank and questioned the reduced amount. The bank told me that was the amount UCB requested. 60 days later I had received no lien release or account information. I contacted the business on XX/XX/year>, and they said I still had a balance of {$75.00} and some change owed. They said it was intrest that occured before payment. Then why did they request a lesser amount than the hold? Furthermore, I received no notification that money was still owed. They are trying to fraudulently collect interest on a debt that was supposed to be paid in full. They had all the cards in their hand and purposefully did not collect the " full '' amount to try to collect more in intrest without notifying me. They supposedly escalated the situation to a supervisor on XX/XX/year> and were to call me back. Today is XX/XX/year> with no response.
Product: Debt collection

Today was the second time calling me about this debt. They say there was a complaint filed against me by XXXX XXXX XXXX  for money owed. They also say that something was sent to me be registered mail ( I never got anything from anybody ) they would not even send me proof of the debt showing me what I owe! They also say that there will be a case filed in county court and will asses lawyers fees and other fees to make the amount larger.

I believe this to be a scam because my information was sold by a payday loan company and now I am getting all kinds of emails and now these phone calls about money I dont owe. Any payday loan I had was listed in my previous bankruptcy and cleared of that debt.

There is nothing on my credit report dealing with XXXX XXXX XXXX. Im putting a freeze on my credit report.
Product: Money transfer, virtual currency, or money service

I received an unknowingly fraudulent text message from PNC bank stating I was attempting to make a purchase for {$900.00} at XXXX with the last four digits of my debit card and if valid reply YES if fraud reply NO. I replied NO and immediately received a call from PNC fraud prevention phone #. The man on the line stated he was from PNC fraud prevention and that my debit card was attempting to be used at XXXX in FL, he said my card was compromised and that they would be cancelling my current card and sending me a new one. He also stated that I had outgoing wire transfers pending which I also stated was not me and fraudulent. He stated he needed to verify identity by sending a code by text message and me repeating the codes to him. The call became disconnected and I went to my computer to log in to my PNC online banking to see if anything posted. It would not allow me to login stating I had incorrect password. I saw in my email that my password had been changed, which I had not changed it. I immediately called PNC fraud # back and they stated there was no record of call to me and that I had two wire transfers in process totaling {$1900.00}. I asked them to immediately cancel transfer because I did not authorize this. I was told then wire department had to be contacted to complete this. I waited on hold with PNC for almost two hours and then left work early and went to PNC branch in XXXX XXXX IL. I spoke with XXXX there who tried for another two hours to contact wire department. I again called the next day Friday XXXX on was on hold for 4hours 36 mins and unable to get any assistance or get call through to wire department. I again went to PNC branch and spoke with XXXX and XXXX who stated they would escalate my concern to management and I will receive a call. I have not received any correspondence back now on XXXX. My account which had {$1900.00} balance was completely drained and two payments of {$500.00} and {$210.00} that I had sent to pay a credit card were overdrafted from my account and then put on a PNC credit card along with getting charged {$50.00} dollar wire transfer fees, {$50.00} dollar overdraft fee, and {$43.00} cash advance fee. My PNC credit card that I had {$0.00} balance now has {$760.00}. Please help I have never made a wire transfer XXXX and was not even aware this was possible through online banking. I was hacked and should have zero liability fraud protection for this account.
Product: Debt collection

XXXX XXXX from Hewitt Capital contacted my place of employment on XX/XX/XXXX attempting to collect a debt from their supposedly client XXXX XXXX, I that owed a debt of the amount of {$3100.00}. I told him that I didn't have any money to give, he then proceeded to say that if I didn't pay I would be placed in custody and sent to jail or my wages would be garnished. I ask if he could provide legal documentation, he said he sent a letter to my address. I never received a letter. I told him I would pay {$100.00} dollars for today. He said it was a XXXX processing fee. I gave him prepaid debit card information. He took XXXX out of my account. I told him that I would attempt to pay XXXX by Saturday. He said ok. I didn't have the money on Saturday. He called my employment that following Monday. He ask why hadn't I paid. I said that I didn't have it and I needed to pay my rent. He then yelled at me and said. He would snatch the check out of landlord 's hand and that I was on recorded line and I should be in custody right now. I was very intimated. So I told him I would pay him XXXX today plus the processing of fee of XXXX and try to pay XXXX in two weeks to close the account. This was on XX/XX/XXXX. So I used what I saved up for rent and paid him XXXX on XX/XX/XXXX. He advised then that I owed a another {$1500.00}. I knew something wasn't right. I stopped answering his calls. Tried to dispute the transactions with my bank. They declined the credit. He then proceeded to take out {$150.00} on XX/XX/XXXX and another XXXX on XX/XX/XXXX. I never received confirmation number or any legal documents and now facing eviction. Also, XXXX XXXX has advised they did hire them to collect debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XXXX XXXX XXXX [ Their Address ] [ City, State, Zip ] Re : Dispute of Debts To Whom It May Concern, I, XXXX XXXX XXXX, am writing to dispute two specific debts currently listed on my credit report. The first, reported by XXXX XXXX XXXX with a last report date of XX/XX/2024, concerns an open balance of {$510.00} related to XXXX of XXXX XXXX XXXX. The second, reported by XXXX XXXX XXXX with a last report date of XX/XX/2024, concerns an open balance of {$880.00} related to XXXX XXXX XXXX XXXX XXXX. 
As per my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 U.S.C. 1692e and 15 U.S.C. 1692g, I am disputing these debts and request validation. These statutes mandate accurate and honest communication about the debt and require you to provide a detailed validation notice. 
Furthermore, there seems to be a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2, as my consent was not provided for accessing or reporting my credit information. This is particularly concerning regarding the debt from XXXX XXXX XXXX, where there is no clear permissible purpose under the FCRA for accessing my credit report. 
I also cite 15 U.S.C. 1692d and 1692f, which prohibit harassment, abuse, and the use of unfair or unconscionable means in debt collection. Given the remarks on my credit report about the XXXX XXXX XXXX debt being disputed and meeting FCRA requirements, it is imperative that these matters are handled with strict adherence to these laws. 
I request a prompt review of these debts and provision of evidence validating them. Should you fail to validate these debts, I expect their immediate removal from my credit reports and a written acknowledgment of this action. Non-compliance will leave me no option but to pursue further legal action. 
Thank you for your prompt attention to this matter. I await a timely and compliant response. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a new business credit card. Before I received it, Citi left a voice mail about a fraud concern. I twice tried to call, but I was on hold for too long. ( I work for a living! ) After receiving the card, I have attempted to activate it but the website directs me to call " to protect [ my ] account. '' As I am writing this, I have been on hold over XXXX minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is inaccurately reporting information to my credit report I disputed inaccurate student loans an eviction and a auto thats way out of the statue of limitations and they dont respond Ive sent countless letters to them student loans show different dates everything is inaccurate and should be removed immediately
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXXXXXXXXXX XXXX KINDLY DELETE AND BLOCK ALL NONACCOUNTHOLDINGINQUIRIES ASI DID NOT AUTHORIZE THEM ***
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to Convergent to ask them to do a complete investigation of a credit report item relating to XXXX. They responded saying that they've done a complete search and that it's accurate. I am not saying it's not accurate, but I'm not sure, and I'm asking if someone else with a professional eye could look and see if it is accurate.
Product: Credit card or prepaid card

I informed XXXX XXXX that my debit card had been used fraudulently debiting my account near XXXX in 3 separate transactions to XXXX XXXX on the XXXX and XX/XX/2018. I contacted XXXX XXXX and filed a complaint and subsequently filed a police report. I contacted XXXX XXXX and filed a dispute and promptly faxed over a signed statement and copy of the police report. Complaint filed XX/XX/2018 fax received and added to my file XX/XX/2018. I asked about a provisional credit to pay my rent and avoid fees and eviction and have been told continually that I may get one after the XX/XX/XXXX but that it is not guaranteed in any way. I asked them why federal regulation E didn't apply to my account and my dispute and have been continually told they are not a bank they are a preloaded debit card and provision E doesn't apply to my account and that i may receive this credit sometime in the future. They have been informed of my eviction and loss of my home and I've taken all necessary and reasonable steps to accommodate them. XXXX XXXX is making me a victim a second time and causing me through there refusal to follow federal law to lose my home and possessions as I am literally broke and without transportation and now without a home. Please help, this is wrong and needs to stop, your bank should protect you not revictimize and punish their card holders. I've called level one and level two support five times each day for the last four days to no avail. 
Please help. 
Respectfully, XXXX XXXX
Product: Debt collection

On XX/XX/2021, I'd applied for a one bedroom apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/2021, community managers XXXX XXXX and XXXX XXXX sent an email notification to inform me that my application was denied. When I did not hear back from XXXX XXXX XXXX about the return of my security deposit in the amount of XXXX XXXX XXXX dollars, I'd ask my bank to dispute the amount of my security deposit. On XX/XX/2021, my bank credited my account with the security deposit in the amount of XXXX XXXX XXXX dollars. XXXX XXXX XXXX opened a collection account against me with National Credit Systems by creating a balance of XXXX XXXX XXXX XXXX dollars that I do not owe. National Credit Systems threatened that the balance with XXXX XXXX XXXX will damage my credit if I did not pay it. I do not owe this balance. My concern is not only for myself. XXXX XXXX XXXX  may be in the practice of charging prospective apartment renters for the money for security deposits that they never return to applicants who are denied rental apartments.
Product: Credit card

I paid the balance in full as agreed. With a ZERO balance, I received another bill charging interest of {$17.00}. 
Customer service is horrible and they are unwilling to work to maintain Customers like me who have an excellent credit history.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2023 I attempted to purchase an item for {$86.00} from a website. I used Paypal to complete the purchase. I did not realize until it was too late that the website directed me to a Paypal portal that I was unfamiliar with and where the monies were withdrawn from my account immediately and I would not have the normal Paypal protections to insure I would receive the item or my money would be refunded. 

I immediately relogged back into my paypal account and tried to cancel the transaction. 
On the paypal site I was able to send the seller a message to cancel the item. I did this but I have not received any notice back from the seller that the transaction was canceled or any conformation that I would receive the item I purchased. 

I attempted to file a complaint on the paypal wedsite resolution center but was not able to do so because of the way the payment was made. 

I called paypal and spoke with customer service and was told also that because of the way the payment was made there was nothing they could do. The customer service gentleman told me to be more careful in the future. I told him there website showed that the payment was still pending and why can't he put a hold on the payment until the issue is resolved. I told him I felt I was tricked by the website into making that type payment and I felt Paypal should have better protections on their website for the consumer. He said he would pass my concerns on to higher management. 

I feel the website I went to is a scam. I used paypal to pay for my internet purchases because I thought I would have protection from them from scammers. I feel the scammers found a loophole in Paypal 's payment system and are exploiting that loophole. 

I would like you all at CFPB to press Paypal into closing this loophole. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I attended a nightlcub in 2019 where my purse was stolen. A police report was filed with onsite officers. I recently obtained a copy of my credit report and noticed accounts that I have no affiliation with or any knowledge of. I contacted Equifax, XXXX, and XXXX and advised them of the 2019 incident and the fact that accounts that are not mine are reporting to my account. I also mailed in this information XXXX and XXXX and have not received a formal response. 

Reporting information to my profile without my written consent is in violation of XXXX XXXX XXXX I researched this accounts thoroughly and they are not mine. Reporting accounts in direct result of identity theft is also in violation of XXXX XXXX XXXX XXXX I noticed someone attempting to gain more line of credit in my name because they are credit inquiries listed. I asked that the unverifiable addresses where I never resided also be removed from my profile to prevent any further identity fraud. I still have not received a response.
Product: Student loan

Was not offered by my loan provider ( Navient ) income-driven repayment plans and instead of that kept me to choose a forbearance instead which has hurt not only my status of my student loans but the whole idea of student loans and the process in which i barrow.
Product: Mortgage

I filed an original complaint on XX/XX/XXXX which was responded to on XX/XX/XXXX by US Bank. In their response they reference bankruptcy discharge from XX/XX/XXXX as being the reason they are now starting foreclosure proceedings. During the bankruptcy, I never filed against US Bank, I continued to make my payments after speaking with a representative, and they state they do n't send me statements. This is not accurate. After speaking with the representative XX/XX/XXXX, I started to receive statements and made my payments in the branch. I am confused on how this is now an issue 3 years later. 
The other issue brought up was the matter of my requesting assistance on XX/XX/XXXX. They state that I spoke with a representative, that is true. They state that they sent out a loss mitigation workout sheet to my email, this is also true. What is not stated is that this was sent to me by the first representative prior to be transferred to another gentleman representative who informed me that I was not eligible for the loss mitigation process. No suitable reasoning was given. 

The last issue states I was assigned a Relationship Manager by the name of XXXX XXXX. I have contacted her several times and so has my personal financial advisor. She does NOT return phone calls or emails. She finally returned a phone call to me this Friday XX/XX/XXXX at, while I was driving. I pulled over, listened to the message and called her back within 10 min. I asked her to call XXXX XXXX, my financial advisor and as of today, she still has n't called. 
I do n't see how she can be a point of contact. To not return calls or emails in a situation like this is just appalling and inexcusable. 
At this point, I am afraid, confused and in need of your assistance since US Bank is inconsistent with their responses and conflicting information. 
I have always fulfilled my obligation and feel since I asked for assistance, US Bank has created a reason to attempt to take my home. 

I thank you for your assistance in this matter
Product: Debt collection

I recently review a copy of my credit report and I notice I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Checking or savings account

My phone was hacked into and someone using all the information from my bank ( customer service phone number they called me from, verification text message same as my bank when they send verification codes, ). They told me to transfer money from XXXX XXXX to my account. Who I was talking to had my user name and password to both bank and XXXX they told me to transfer XXXX once I did that they had already transferred money from my sons savings into my account to make sure there was enough. At that point they put my phone into lost mode after taking the XXXX out of my checking. My bank gave me the money back after an investigation and closed the case. however XXXX just sent them information and so Wells Fargo then took the XXXX back out after almost 60 days. So my account went negative and I am out XXXX $ I tried to reach out to the bank again however the denied putting it back this time.
Product: Credit card

Reference Bureau of Consumer Financial Protection # XXXX : XXXX Bank ALSO INCLUDED BANK OF AMERICA ; I was assured by Bank Of America my credit card would be Credited back to my account : On XXXX XXXX, 2016, I received a form letter from Bank of America that was not the case ; my account would not be credited ... there is no signed recipe ... I NEVER used the card..the letter stated because it was used the chip was read ... no credit issued???? 
XXXX I HAD NO KNOWLEDGE OF MY BANK OF AMERICA CREDIT CARD WAS USED OR WHY.??? UNTIL I PULLED DOCUMENTS TO SEND COPIES TO CONSUMER FINANCIAL PROTECTION BUREAU.