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

On XX/XX/2020 I was charged a XXXX of {$500.00} that I did not authorized. When they used the account I was at work at XXXX shipyard. Notice the someone else was using it because i got a text on my phone for the transaction around XXXX XXXX. Called the ADP and tried to open a dispute right away and they told me that I have to call the next day because the dispute department was closed but that they will send me a new debit card and cancel the old one .Called them the next day and told them about the transaction and they told me that they could not open a dispute yet because the transaction was pending and told me to wait because it might not go through. Waited a couple of days and it went through so I called them and open the dispute. They told me I was gon na get some forms in the mail in 7 to 10 business days that I needed to fill out and to send it back to them. Waited the days forms never came just the debit card in the mail. Called them back to ask about the forms they told me they sent them and since I didn't get them they would send it again. Never got these forms that I needed to fill out kept calling them about them they just kept saying that they would send them again and it kept going on like this for 2 months. Called again told them what was the reasons for these forms and how will this effect the dispute that I have open, did not give me a proper answer just kept telling me that it is an update to the dispute would not tell what type of update, ask them if they could send it in email and they said no that I have to wait another 7 to 10 business days. Today which is XX/XX/2020 went to check the mail for the forms and I saw a letter from them ( ADP ) which i thought was the forms that I've been waiting for so long to send them. Opened the letter and it said that the dispute was finalized and that there was no error also says that I have the right to request and receive the supporting documentation that they used making the determination. I called them right away ask an update on the dispute told me I was gon na get a paper on the mail saying this. Told them I got them and if they could send me the document in how they came to this decision and they just kept telling me that it's the paper I have. Told them no that i want the proper document for the decision that they came to even read the part of the letter that says I have the right to those document but kept sending me in circles. Got fed up ask to talk to the supervisor said yes then said that they were unavailable told the person helping me out to give me his supervisor name and he said which one because they have 3. Told him all of them are unavailable he said yes and he only gave me the name to one said that they supposedly call me back. I don't know how these forms that they wanted me to fill out never came in the mail if they were able to send me a new debit card and the letter saying this dispute is finalized. They also told me maybe someone was grabbing my mail which is ridiculous to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report once a month to make sure that all of my accounts are being reported correctly. In  XXXX , I noticed a random collection company by the name of  XXXX   XXXX  services reported a collection on my reports with an acct # of  XXXX . It states that I owe  XXXX . I do not have  XXXX  nor have I had their services in over 7yrs. I then started to get phone calls from this company. I spoke with them and informed them that I did not open a  XXXX  account and I do not owe them. I told them the account is fraudulent and not mines. The rep also quoted me some fraudulent address that is not mine. I have never received any letters from  XXXX  or  XXXX   XXXX .   I have contacted all   XXXX   credit bureas regarding this fraudulent account. Since,  XXXX  and   XXXX   have completed their investigation and removed this account.   Equifax however has not removed this account.
Product: Debt collection

COMMONWEALTH FINANCIAL has inserted 13 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed Commonwealth of this status. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX and I have a list of items to block that are the result of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was 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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had a debt with XXXX XXXX of California. It was a payday loan unsecured for XXXX. This debt was applied for XX/XX/XXXX. I defaulted due to having to move out of state as i could not afford to live in XXXX. I moved in XX/XX/XXXX to XXXX. I struggled to find a place to live with my family of XXXX and to find gainful employment. The debt was sent to collections after 6 months of non payment. Due to California 's statute of limitations the debt is no longer valid. This company National Credit Adjusters has called me everyday for the past XXXX yeasr from various phone numbers and threatened legal action and to send the police to my place of residence if i dont give them a payment. Account # XXXX. They are also falsely reporting that the account was opened XX/XX/XXXX when it was originally opened XX/XX/XXXX. 
XX/XX/XXXX Call from XXXX threatened to sue me and told me police were on their way. 
XXXXCall from XXXX threatened to sue me and told me police were on their way. 
XX/XX/XXXX Call from XXXX called and said a case was opened against my social security number and i would be arrested. 
XX/XX/XXXX Call from XXXX called and threatened to reveal information to my employer XX/XX/XXXX Call from XXXX called and threatened legal action against me and told me police were on the way. 
Everyday i receive emails and phone calls from this agency threatening me and falsely reporting this information to the 3 credit bureaus. The company National Credit Adjusters have damaged my ability to apply for new credit. 

I have also sent certified letters every 45 days to all 3 credit bureaus asking them to verify this debt. I have never received any documentation from any of the credit bureaus nor national credit adjusters regarding this debt in writing. They have violated my rights under the Fair Credit Reporting Act. 
Letters sent certified from letterstream.com to XXXX, XXXX, and XXXX on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX : {$370000.00}
Product: Bank account or service

Hello. On XXXX XXXX 2016, I opened XXXX checking and savings accounts with regions bank. I made a mobile check deposit and waited for the funds to be available, so after a few days I went to transfer money from that account to another bank in my home town and when I submitted all the information I.e. Routing, account etc. I was informed that they had to verify so ok no problem but when everything was verified and I tried to transfer all of a sudden my account was locked out so I called the bank and they informed me that I had to sign some verification forms as if my electronic signature was n't enough. So I travelled XXXX mile missing time at work to come home and take care of this. So when all this was taken care a few days later I tried to transfer money and also pay some credit card bill that I have accumulated due to not having access to my accounts and was told yet again that I needed to sign the same papers again. Got I. Touch with bank manager and he resubmitted the forms so days later it was ok until I tried to pay bill or transfer money again. XXXX of my credit cards actually went through for payment but the others according to credit company the money for payment was given then taken back. Now they say my account are locked out due to fraud which there is none and no one can answer my questions about what fraud has occurred. Spoke to the regions XXXX number and they said I had to get the bank manager to talk to tech support about my account to unlock it but yet again it is still locked. When I tried to close the account I was denied stating that I had to be physically at the branch to close my account. Well I did n't have to be there to open XXXX up and do n't have to be there to make changes or to ask about my account when I call online services. Now my bills are behind, When I asked what will they do about getting my credit fixed on all late payments due to there fouled system and I was told that they ca n't do anything. For all those that read this. STAY AWAY FROM REGIONS BANK. I can only assume there saying that my account is locked due to the fact they really did n't have any money to pay the recent judgement they received and are taken customers money to pay for it and telling them that there accounts are locked out because of fraud. Well I guess that 's partly true except there the ones that 's probably committing it.
Product: Checking or savings account

On XX/XX/2022, I was logged out of my device 's " Current '' app. I tried logging back in using the phone number and received a code instantly after entering my phone number. However, the app refused to identify the code. It kept yielding an error " The verification code looks wrong. Try again. '' I hit " Resend '' for another verification code and receive a new one, but the app still refuses to identify the codes.

I file a complaint hoping for a response within 24hours ( as mentioned on your website ) but didn't receive a response at all until XXXX XX/XX/2022. At this point, I uninstall the app and reinstall it on my phone but kept receiving the same error. I even tried logging in from another device but that also didn't work. The only update I received on XXXX was that the issue will be raised to the technical team for review. 

As of XXXX XX/XX/2022, the one representative that reached out mentioned that I should try logging in with another device. I have heard back a total of 3 times from the " Current '' support team within 7 days. I asked them to provide me a phone number so that I can talk to a representative but they still haven't got back. Since I can not access my account I can not access funds amounting to XXXX $ that I urgently need. Neither am I able to use my own funds nor am I able to get in touch with someone who can actually help me solve this issue. I dont even have a way to make sure all my funds are intact and there havent been any fraud transactions on the account. I havent done any transactions myself so Im hoping all my my funds are still in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX  Date Updated : XX/XX/XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 30 days and the creditor has NOT corrected the false information that they have been reporting to the credit bureaus. They are reporting that I was 11 times late to the bureaus, YET when I had you to reach out to them months ago they sent you a letter stating that I was late only 2 times which is correct. This letter was mailed to me by your rep XXXX. 

Under Federal law they had 30 days to complete the investigation and by failing to do so, these items must be deleted from my credit report ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial refuse to disclose all documents to validate the inaccurate information published on all three of my credit files. I have made several attempts through the company and all three reporting agents, which all fail to provide proper documentation and verifiable information of their reporting actions. 

Per FCRA section 611 ( a ) 5 publishing inaccurate and unverified items on my credit report damaging my reputation and credit worthiness, I'm requesting this account be immediate removed from all three reporting agencies. 

Ally, XXXX, XXXX and XXXX fail to provide proof of investigation to validate inaccuracy reporting on my credit report. Alley Financial has been sued due to their negligence and violations of consumer rights not following proper protocol and reporting actions by the rights of CFPB and Fair Credit Lending Act to all consumers involved in legal action suit case # XXXX. As of XX/XX/2022 court approved settlement in which my case was part of Ally violations. Enclosed document validate my actions and attempts for the last two years to have this account removed from both my spouse and I credit file.
Product: Checking or savings account

I've tired 5 times in person between XXXX XXXXand 10 times over the phone to gain information regarding my mother 's savings account with Wells Fargo . I took all the appropriate legal documents to close out my mother 's accounts and have been denied information to her savings holding {$35000.00} dollars at the time of her death XX/XX/XXXX. The XXXX, Ga branch only allowed my to close her deposit box out. I nolonger ever have access to see online information as of XX/XX/XXXX. I did not know where else to look for help. Please let me know what I can do. 
Thank you,
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX  XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

INQUIRY : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX have been reporting late payments when all payments were pay as agreed since XX/XX/XXXX.They also repossessed my vehicle when a payment arrangement was made the day before in XX/XX/XXXX  with a balance XXXX. I have paid {$6900.00} to credit acceptance.
Product: Checking or savings account

- Received a letter on XX/XX/2022, stating that the bank would like to verify some recent activity on my account. In the meantime, they are going to put my account on hold - I called them and spoke to the representative and stated that I never banked with you all and I did not open an account. 
- She put in a fraud alert and emailed that department and informed me to log onto FTC.gov to make a report and to contact the three credit bureaus as well as to contact XXXX XXXX First National Bank of Omaha ( Name of the Bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and update these accounts from my credit report.
Product: Checking or savings account

On XX/XX/year> a person pretending to be me cashed a fraudulent check against my Wells Fargo bank account for {$950.00} at a Wells Fargo branch. On XX/XX/year>, Wells Fargo took {$950.00} from my account to cover the fraudulent check. I filed a fraud claim that day. I have been following up weekly with Wells Fargo and was told today that they have denied the fraud claim. There were four other events of fraud on two of my accounts with Wells Fargo during the previous 2 months. Wells Fargo investigated those events and each of them were recognized as fraud and Wells returned the money to me. When the first event of fraud happened, Wells placed security measures on my accounts that we were told included a security freeze, hard hold, notation on my accounts that I was a victim of identity theft and they placed security questions that were supposed to be answered if the fraudster tried this again. After the XX/XX/year> incident, Wells also closed the two affected accounts and opened new account numbers. The signature on the fraudulent checks does not match mine, the fraudster is writing my social security number on the endorsement line of the check ( which I have never done ) and this appears to all be happening in the XXXX area of XXXX ( where I have never been ). I don't understand why Wells is not recognizing this most recent event as fraud when each of the other times they did. I have called Wells so many times and the conversation is going in circles. Your help would be greatly appreciated to get Wells Fargo to reopen this investigation and look closer at it
Product: Credit card

I opened this account in XXXX. Company sent me a letter stating that they closed my account on XX/XX/XXXX based on information in my XXXX credit file accessed on XX/XX/XXXX. The accessing of my XXXX credit file on XX/XX/XXXX was done without my authorization. I had two credit card accounts with them. They closed the XXXX XXXX XXXX card that had a {$10000.00} balance. This has had a huge negative affect on my credit. I am appalled that they can access my credit file without my prior authorization.
Product: Credit reporting or other personal consumer reports

According to the IRS, a charged off debt are considered an income, 15 USC 1681 ( 2 ) ( a ) ( i ). Income is forbidden to be on a consumers credit report/file. The original credit, XXXX XXXX XXXX XXXX wrote the debt off on their taxes and received a profit ... ... ... ... ... ... ..... 
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FCRA Section 623, 15 USC 1681s-2, Responsibilities of Furnishers Info ... ......

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12 CFR 1006.34c, Notice For Validations Of Debt ... ......

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I am exercising my rights under the FDCPA to request the following information : 1. The Purchase Assignment Agreement XXXX. XXXX XXXX XXXX is authorized to collect on behalf of the XXXX XXXX XXXX XXXX 
XXXX. XXXX XXXX of XXXX XXXX. Documentation of all assignments showing the transfer of the debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX. Proof that XXXX XXXX XXXX XXXX  " securitized '' the debt. 
XXXX. Documentation showing the assignments of the debt from XXXX XXXX XXXX XXXX to the Secured Trust and then back to XXXX XXXX XXXX XXXX XXXX.. 
XXXX. A contract between myself ( XXXX XXXX ) and XXXX XXXX XXXX that bears my signature wherein I agreed to pay XXXX XXXX XXXX ( & XXXX XXXX XXXX XXXX XXXX XXXX The amount paid to purchase this debt from XXXX XXXX XXXX XXXX. 
XXXX. The XXXX, since this debt has been charged off, written off. 
XXXX. The authorized printed and signed signature of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
XXXXThis Is Inaccurate Information?????????????? 
XXXX. The Account is reporting as A Charge Off, and as Past Due, but no no actual payment amount, and open. How can this account be reporting as past due, and open and charged off, without a scheduled payment, no date of last payment, and a date of delinquency of XX/XX/year>??????????????????????????????????????????????????????????????????? 
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I am demanding that XXXX XXXX XXXX " DO NOT '' send me a printed computer generated itemized statement of a bill. I AM NOT requesting a bill statement. Please DO NOT SEND another bill statement from XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces + was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act XXXX ( EFTA XXXX and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their company has ignored my request to provide me with documents on their file that they used to verify the account I disputed. ( XXXX XXXX XXXX ) {$0.00} balance ( charge off ) I've written them multiple times, and they still can not verify my account. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified. Please resolve this matter as soon as possible. Thank you.