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

Well my problem is I had a pre paid secured credit card. That i put XXXX dollars down to open it. An then i went to XXXX for XXXX. An when i got released I went to wells fargo that ive banked with since i was like XXXX an they told me they have closed my account due to falliar to pay my credit card bill while i was in XXXX the amount owed was like XXXX so they took my XXXX deposite an sent the XXXX somthing to collections. An i was XXXX from XXXX to XXXX pretty much. An when i tried to pay it they told me i needed a visa debit card with my name on it an that has beenalmost impossible to get cause XXXX  XXXX XXXX has me in XXXX XXXX for frauding them when Inwas XXXX an the bank i tried to get a saving account at said that it was wierd im in XXXX XXXX for frauding XXXX  XXXX XXXX but it didnt say for how much so he said that was strange an i might want to get a hold of your company to help me with my issues that someone has obviously cause me while i was in XXXX  I did have my wallet stolen out my car with my SSn an Id card in XXXX. So i dont know what to think or due an on top of it in XXXX I had an apartment that i moved out of an people broke into it an squated for 90 days mean while i was in a hotel an my complex manager saw me move out but still gave me a unpaid eviction even thow I was already out of the apartment that complex had more people squating inother. Apartments besides the one I was paying for on time every month ansome months id pay it like 3 weeks earlie never late does that sound like someone that would get a unpaid eviction on there credit report .So I need my XXXX XXXX XXXX fraud issue taken off XXXX  XXXX an I need that wells Fargo account opened so that intrest rate on that XXXX I spent that they didnt eventell me about taken off my report. I can provide dates were I was in XXXX or XXXX when most of this stuff happened.
Product: Checking or savings account

On XX/XX/2022 upon checking my online banking account with chase bank I realized there was a pending transaction for {$9000.00} and {$10000.00}. I immediately went to the bank and asked them to cancel these transactions, because I did not make them. The bank informed me that they were not able to put a stop payment on these transactions so I had to file a dispute. I filed a dispute that day. After this Chase informed me they were not going to return the {$9000.00} because they decided it was a legitimate transaction. They gave me a provisional credit For the {$10000.00} transaction while they investigated. Over the next 45 days I checked in with the bank multiple times to explain to them that the {$9000.00} transaction was not legitimate and I needed my money returned. XX/XX/2022 I realized Chase took the provisional {$10000.00} credit back out of my account causing my account to be - {$10000.00}. I called the bank and I spoke to about XXXX representatives the last person I spoke with said that she was going to put a stop payment on this {$10000.00} and also put a stop payment on the {$9000.00} Check that was cashed already. I didnt understand how she could do this and why this wasnt done in XXXX. She said the money should be back in my account within XXXX to XXXX hours. I thanked her endlessly and I told her I appreciated her and she really saved my entire business only to find out that she indeed did not put a stop payment on anything instead Chase took the remaining {$4400.00} I had in the new bank account that I had made with them whenever my first account was compromised they took that money and put it in the account that was - {$10000.00} and left me with no money now my business is closed. I have no money I am in debt, and theres nothing I could do. These charges were not made by me and Chase just let me be robbed! I even gave them a police report to verify I reported the theft to the police. I dont know what else they wanted for me to prove that I did not make these transactions. 

Claim number XXXX
Product: Debt collection

On XX/XX/year> I wrote a dispute letter to XXXX XXXX XXXX XXXX to receive validation of the debt which they never provided to me. They claim I owe them {$7000.00} however, if this debt was real then they would have sent me the debt validation like I requested. It's clear that I actually don't owe this debt because they have no documents to prove it.
Product: Debt collection

Offices of XXXX contacted me via phone and told me I owed money on a credit card I know nothing about. The person I spoke with name is XXXX XXXX and he was very rude and unprofessional in his attempted to collect this supposed debit I owe. I inquired about the card and just tried to understand what was going on but he really did n't want to hear anything I was asking about nor did he send me any documents in the mail prior to or after we spoke to prove I actually owed this debit. I have received and currently am still receive abusive threatening messages from processers saying all sorts of derogatory things. Due to the first message I received stating they would come to my place of work and serve me and the fact that I really did n't want any issues financially I paid XXXX on the spot and was told I could set up a payment plan for the rest of this money I allegedly owed. The payment plan was told to me on the phone and then I was told for it to be valid I would be sent a copy of the payment plan to my email in a few days and would have to sign, authorize and send back to them through email. I had n't received anything in a few days so I called back and left a message saying I never received anything to my email. About a day or XXXX later I got a phone call from XXXX XXXX and he then told me he had sent it again. I checked my email and it was there this time. I never signed it printed the emailed contract and decided to take this to and attorney and see what were my rights when it came to all of this. I also pulled my credit report took that with me as well to the legal offices on post, and this card from Household bank I am allegedly owing is not on there. I then sought out and attorney through the XXXX due to the fact I am currently a XXXX at XXXX XXXX, KY. The first payment was supposed to be made XXXX XXXX according to the emailed contract they sent me but once again never signed and sent it back to them authorizing this but Offices of XXXX took it upon there selves to take that payment anyway. The attorney sent Offices of XXXX a letter, notifying them I now had representation and they were to only contact my lawyer not me directly anymore. Unfortunately they failed to do so braking the law by trying to contact me after the letter was sent also left another threatening fortuitous message, that I also saved. I am in no way opposed to paying this debit if it truly mine but I was not given any proof except XXXX XXXX stating that my social was attached to this card and it means nothing. There is so much fraud and stealing of individuals socials and identity theft I only want to be sure before I pay another persons debit, and by law I have that right. I would like for this to be investigated, my money returned and no longer harassed by this company or its processors. I look forward to hearing from you. Thank you
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against XXXX for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorougn investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

This complaint will prove yet again, Wells Fargo home mortgage company, is still breaking the law. Im able to show you that, XXXX title company and XXXX XXXX are affiliates of Wells Fargo home mortgage. As stated on the Good faith estimate Providers of service page. In fact it plainly states, Wells Fargo have repeatedly required borrowers to use these providers in the last year. Proving that Wells Fargo has and is continuing to lie manipulate and defraud us as consumers! The fact that its in black and white and a response from Wells Fargo, more lies, refusing to admit their guilt, which they have been fined and avoided prosecution from the SEC, for their actions during the subprime mortgage lending period, when Wells Fargo decided no laws applied to them. They have ruined millions of American consumers with their continued illegal actions preventing consumers from being able to be compensated. Wells Fargo continues to lie and defraud. The responses we have received alone proves their continued illegal activities and actions. 
When and what will finally be enough proof? Im attaching the original Wells Fargo loan documents for the proof of their continued lies and their fraudulent actions and activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updated Credit report, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i and Section 605b, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I recently contacted credit collection servic in XXXX, MA on XXXX XXXX to dispute a debt in collections. I spoke to a representative who was really rude and disrespectful to me. I informed the representative that I wanted to dispute this debt. After informing the representative of my request her tone of voice changed, she began to ask me many questions as if I was lying about the reasons why I wanted to dispute this debt. When calling a debt collection agency I do n't want feel intimidated by the representative. The representative acted as though she did n't want to give me the necessary information needed in order to dispute this debt. I would like for this issue to be looked into. If this issues has occurred with me I 'm sure it has happened with many other innocent people. This issue could possibly cause for legal action to take place.
Product: Money transfer, virtual currency, or money service

Hello, I made a wire transfer through my XXXX XXXX account on XX/XX/2022 and the fund were sent to an intermediate bank called Deutsche bank. It has been almost 3 weeks of continues followup and i have requested a call bank on the transfer but the XXXX bank is not responding to XXXX XXXX i have reached out to the bank myself and also XXXX XXXX but there is no response it was {$9100.00} my hard earned money. 

My number is XXXX please help me get my money
Product: Debt collection

I have received several phone calls at work and my work has been contacted by the company for employment verification. I have spoken to CKS and asked that they not call my work but rather my personal phone number. They also continue to call my family which I have asked they discontinue doing as well.
Product: Checking or savings account

I have had several issues with Td Bank. One problem is because I had my account overdrawn right around the time we were all supposed to get the {$1400.00} stimulus they decided to credit my account when I didnt authorize them to credit anything on my account and now it has screwed my account up because now they said theyre going to pull this money back out of my account within 30 days they didnt talk to me first about it at all. Another issue is I had specifically told a motel hotel that they are not authorized to use my card any longer I even told Td Bank this prior to them using the card because I wasnt staying there any longer they credited me the money then they turn around and found that there was no fraud when there was because its basically like stealing my money when I told the motel manager that I didnt have the funds there so please dont run the card well because I had overdraft the bank allowed it to go through twice then I called the bank and they were supposed to cancel my card but the young lady did and they allowed a third charge to go through they refuse to reverse that either. Now because of all these issues they have screwed my account up so bad that my account is over {$500.00} overdrawn and I dont know what to do at this point. I also think I was just probably been able to get something out of that recent settlement About the overdraft accounts because I had that too. TD Bank has fraudulently I feel done things with my account that they should not have done that has caused me problems because I dont look at my account on a daily basis and for them to credit my account then pull money back out it makes it where I have no way to keep track of stuff and I feel have violated quite a few laws with everything theyve done on my account.
Product: Credit reporting or other personal consumer reports

The following address are fraudulent and I have never lived at any of the addresses please remove them from my credit report. There should be only one address on my credit report. 

Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I previously sent a letter to your bureau on XX/XX/XXXX. In response, you claimed that the disputed items were verified. This letter serves as my formal rebuttal to your unfounded assertion that the challenged items were indeed verified. 
Please recall that my original complaint explicitly requested either physically verifiable Metro 2 compliant proof or immediate deletion of the disputed items. Your response failed to meet the criteria outlined in my initial request. Below, I have reiterated the items included in my original dispute : LATE PAYMENTS : Account Name : XXXX XXXX  Account Number : XXXX CHARGE OFF : Account Name : SXXXX 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  For the items you claim to have verified, I request specific details regarding the verification process. Who did you speak with at the original creditor to verify these items? How was contact made, via phone or in writing? Did you utilize a UDF form or automated dispute verification?

As outlined in the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681I ), I am entitled to a detailed description of the reinvestigation procedure within 15 days of my request. I expect your response within this timeframe. It is important to note that I am not seeking a generic system-generated response but rather specific information regarding the verification process. 
If you are unable to provide the requested information, I demand the immediate deletion of the referenced accounts from my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the company that this account was not opened by me and that it was a result of identity theft. I was told that if this was a result of identity theft to file a police report. so I did so I have a complete identity theft package. to clear this matter from my credit report. I would like the credit reporting agency block all information associated this act of thief. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Account open by Identity theft Account : XXXX XXXX XXXX Credit card, date open XX/XX/2018, credit limit XXXX Inquiries made by unknown Identity theft Company-XXXX date XXXX Company- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX date XXXX Company- XXXX XXXX XXXX XXXX XXXX CompanyXXXX Financial Date- XXXX Company- XXXX XXXX Date- XXXX Company- XXXX XXXX Date XXXX & XXXX ( 2 Inquiries ) Company- XXXX XXXX  XXXX XXXX Company-XXXX XXXX Date- XXXX Company- XXXX XXXX XXXX Date- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX Unit XXXX XXXX, Virginia XXXX XXXX : ( XXXX ) XXXX SS # : XXXX XXXX : XX/XX/XXXX RE : IMMEDIATE BANKRUPTCY DELETION To Whom It May Concern : After MANY failed attempts to have you update my credit file accurately, and, to delete those XXXX bankruptcies listed as DISMISSED, rather than XXXX in XXXX in which Ive apprised your company multiple times that I didnt file for bankruptcy EVER before. Id informed you that my vengeful ex-husband, XXXX XXXX a vicious attempt to damage me filed those XXXX XXXX bankruptcies in both of our names without my expressed permission. According to the XXXX Bankruptcy XXXX in XXXX, Maryland in which they were filed, the cases were dismissed because I wasnt present, nor was my state identification supplied. Therefore, this is FRAUD. 
It goes without saying that your company is well-aware of the fact that I am a double minority, therefore, I am left to conclude that TransUnion is XXXX, actively, and selectively targeting and discriminating against, and perhaps indulging in some type of retaliatory practice. That is unacceptable, unethical and I wont stand for it. I will alert all media outlets of this injustice if this situation isnt remedied IMMEDIATELY. 
Furthermore, TransUnion is fully aware that these fraudulent items are adversely affected my credit rating by making it difficult/or impossible for me to get approved for a loan outside of predatory lending. I am currently susceptible to higher rates and terms on approved loans, costlier insurance, difficulty qualifying for a traditional cellphone contract, fewer credit card and loan options, difficulty getting a mortgage, trouble renting a place to live, fewer career opportunities, upfront costs for utilities AND delayed wealth and even retirement. 
XXXX doesnt have any bankruptcies listed on my consumer report. XXXX has removed those bankruptcies as well as XXXX XXXX. Also, XXXX emailed me and reported that they didnt furnish any bankruptcy information on me. 
Bewildered, XXXX XXXX XXXX *Enclosed : I have attached proof of my claims for your review and consideration.
Product: Debt collection

HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX XXXX XXXX Credit Items HEALTHCARE RECEIVABLES XXXX Address : XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX - XXXX Address Identification Number : XXXX Status : Collection account. {$880.00} past due as of XXXX XXXX. 

I never received any bill or notification stating anything was owed or due. I have requested copies of statements for amounts due to verify that I do in fact owe the balance and verify the debt is mine and again I have received nothing. I noticed that it was placed on my credit report and upon further research found that NC requires the agency to be licensed or registered with the secretary of state and found that they were suspended within the state and in violation. I would like this to be removed from all three bureaus.
Product: Credit reporting 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. 

Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report CXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to file a complaint against XXXX  XXXX XXXX regarding an issue with an account that has been reported on my credit report. I believe this report to be erroneous, and despite my efforts to resolve the matter directly with the company, no action has been taken to address the situation. 
Upon reviewing my credit report, I noticed an account reported under XXXX XXXX with the account number XXXX. I am not aware of ever opening an account with this company and have no recollection of any transactions or communications with them. 

I contacted XXXX XXXXXXXX XXXX on XX/XX/2024 and provided them with the account number listed on my credit report to seek clarification and request the deletion of this erroneous entry. 

The company informed me that the account number I provided does not exist in their system. Despite this, they refused to take further action to delete the entry from my credit report. 
This inaccurate information on my credit report has negatively affected my credit score and financial standing. The lack of resolution from XXXX XXXXXXXX XXXX has caused undue stress and frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX, XXXX XXXX  XXXX, and Navient. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is Navient Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Checking or savings account

Citi Bank has my account in pending/hold with no date to actually close the account! The bank was able to transfer fund from My checking to my savings but give me access to my funds.