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

XX/XX/2023 : XXXX XXXX in the amount of {$290.00} from one of my employers ( XXXX XXXX XXXX XXXX ) was made. The deposit was later rescinded due to the incorrect amount being deposited. I never touched the funds because I knew the amount was incorrect. Once my employer cancelled the transfer, Cash App closed my account and all services to the card and account which include direct deposit transfers. I was given the option to cash out which in my attempt to do so is unsuccessful. I went through the account verification process and now it is saying my other account can not be linked because it does not support it, however, the debit card that I previously had linked to the cash app account and the same banking institution that I am attempting to link allowed me to do so. So now, not only will I not receive my direct deposits from my other employer I can not even access the funds that are available on Cash App. They closed my account and are now holding my funds hostage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX. XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I contacted Hunter Warfield and informed them that the debt was false and they never responded. I am currently going to court, the party that falsified this debt has tried to settle out of court ( which I declined due to them stealing my money ).

If Hunter Warfield doesn't comply, I will file a law suit against them next.
Product: Debt collection

On XX/XX/XXXX, I received a text from ( XXXX ) XXXX stating : " We have been trying to contact XXXX XXXX regarding outstanding ACCT # XXXX.Please Contact XXXX at your earliest convenience. '' -- On XX/XX/XXXX, I hit the phone number ( which was a live link to dialing ) that appeared in the text message, and an aggressive XXXX American man answered saying he was from a company called " XXXX '' and he claimed they were a " mediation firm ''. He tried to bully me into giving out my personal information. I wouldn't confirm my name or phone number ( worried it was a phishing scam ), but he said he could look me up by my phone number and asked " is this XXXX XXXX? '' I asked him what this was about ( not confirming my identity ) and he wouldn't give me a " debt '' amount for the supposed delinquent debt, or a company name for the supposed " debt ''. However, he threatened litigation and when I wouldn't give out my personal information, he told me that my " debt '' was going to be sent to court and I'd have to get my lawyer to deal with it and he hung up. 

-- On XX/XX/XXXX, I called the XXXX again from a landline and got an aggressive woman who said she was with " XXXX '' also and she sounded like she was in a boiler room/call center. She demanded the last four numbers of my social security number. I did not give that to her so she hung up on me. 

-- I called a third time on XX/XX/XXXX and spoke to a woman who said she was in XXXX, Florida who said she was from " XXXX '' and that they were a " mediation firm ''. She said the last two times I called the XXXX number it did not go to XXXX because she would've had record of it on the system. ( Even though I used the link in the text that was sent me, she claims the other two prior calls I made did NOT supposedly go to XXXX XXXX She also would not give me any information on the supposed " debt '', other than the first two calls supposedly didn't go to XXXX. 

-- FYI : I have no outstanding debts. This seemed like a bullying phishing scam. My credit score is XXXX and I meticulously track all my monthly payments on a chart. 
-- FYI, they knew my legal name just from my phone number and were able to quote the last 4 digits of my social security number as well. 
-- PLEASE, go after JP Morgan again as I understand they did this sketchy " collection '' stuff in XXXX and your agency won a class-action suit against them, and it appears they are doing it again!! I have no such debt. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX. **Details of the Disputed Information : ** - Account ( XXXX ) in question : On XX/XX/XXXX I notified this agency that I was a victim of identity theft via certified mail and as of today XX/XX/XXXX this agency continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer char the consumer identifies as information chat resulted from identity theft, not later than 4 business days after the date of receipt by such agency of 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 relating to any transaction by the consumer. All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c-2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Checking or savings account

On XX/XX/XXXX I was trying to move money out {$500.00} to another bank account when suddenly my account got locked and the reason they gave was because suspicious or illegal activity on my account.I contact them by phone, on the app and on XXXX the only thing they said XXXX I have to wait 24 to 48 hours without any access to the money and don't give a reason or do something to help get my account unlocked on XXXX they send me a verification document which I fill out but still they told me I have to wait and can't withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian refuses to report information correctly. They state that I am very late on payments and that I still have an open account and active debt with a bank even tho the other two credit reporting companies have removed this account as court odered.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the reinsertion of previously deleted material into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent CREDIT CARD by XXXX XXXX XXXX XXXX ( PARTIAL ACCOUNT NO : XXXX .... ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of incorrect Suffix Name on Credit Report. 
Dear Sir or Madam, I am writing to dispute an incorrect Suffix Name that appears on my credit report. I have reviewed my report and have identified the following incorrect information : A. Equifax Credit Bureau B. Incorrect Suffix Name : XXXX XXXX XXXX XXXX. 
C. My Correct Name : XXXX XXXX XXXX XXXX I have sent in the proper identification and documents to Equifax since XXXX of 2023 and nothing has been resolved. I expect Equifax will somehow coordinate their efforts and ensure that my credit reports accurately reflecting my Correct name. Thank you for your prompt attention to this matter. I look forward to a favorable resolution. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Money transfer, virtual currency, or money service

I have been a long time user with zelle. Zelle restricted my account with no type of explanation as to why. Stated they dont have that information, they just know its closed and I can review their legal disclaimer on their site. This is ridiculous, I get it if I violated ANY terms but I have not & to restrict me for no reason or without any explanation is absurd. I had this issue in XXXX & now again the same issue is occurring. There is no reason for my account being blocked, I have not violated any terms nor use my zelle for any business transactions
Product: Debt collection

collection company reporting outdated and fraud accounts not mines ... XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ... .never done business with companies
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute on XXXX XXXX to the credit reporting agency on the XXXX and I havent received any update or status on the account
Product: Credit card or prepaid card

American Express wrote me a letter that if I paid my balance in full, they would reinstate my card. They have not done so despite my requests.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against TransUnion for their failure to address multiple unauthorized inquiries appearing on my credit report. Despite repeated attempts to resolve this issue, including sending multiple dispute letters and providing a police report, TransUnion has continued to ignore my concerns and failed to act in accordance with their obligations under federal law. 

Details of the Unauthorized Inquiries : The following inquiries are incorrect and unauthorized : Bank XXXX XXXX : XX/XX/year>, and XX/XX/year> XXXX XXXX  : XX/XX/year> XXXX  : XX/XX/year> XXXX XXXX XXXX XXXX : XX/XX/year> XXXX XXXX : XX/XX/year> Steps I Have Taken : Police Report : I have filed a police report with XXXX XXXX at the Birmingham Police Department, which is included with this complaint as evidence of identity theft or fraudulent activity. 
Dispute Letters to TransUnion : I have sent multiple letters to TransUnion disputing these inquiries, attaching relevant documentation, yet TransUnion has failed to take corrective action or provide a substantive response. 
Applicable Legal Protections : Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681c-2 : Consumers have the right to block information resulting from identity theft or fraud upon providing proper documentation, such as a police report.

15 U.S. Code 1681i : Credit reporting agencies are required to investigate disputes regarding inaccurate information within 30 days and take appropriate corrective action.

15 U.S. Code 1681b ( f ) : The inclusion of unauthorized inquiries violates the requirement that credit inquiries be permissible under the FCRA.

Resolution Sought : I request that the CFPB intervene to ensure that TransUnion : Immediately remove the unauthorized inquiries listed above.

Conduct a thorough investigation into their lack of compliance with the FCRA.

Provide a detailed response outlining the actions taken to address my dispute.

The presence of these inquiries is adversely affecting my credit score and financial wellbeing. TransUnions continued inaction demonstrates a disregard for their legal responsibilities and my rights as a consumer. 

I trust the CFPB will hold TransUnion accountable and ensure compliance with federal laws. Please contact me if further documentation or information is required.
Product: Checking or savings account

On XX/XX/2021, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called XXXX XXXX and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used XXXX XXXX service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. 

XXXX transferred me to XXXX, a XXXX male who stated he was a supervisor. After tell XXXX what occurred, he refused to assist claiming he could not verify my account. I asked him several times to send the text for verification to my personal cell number as I was on my business line and it was trying to call me while I was on the phone with him. I did not want to switch over because I did not want to lose the call with XXXX. XXXX refused to verify my account and did nothing to remedy the situation. 

I spoke with Chase Bank yesterday XX/XX/2021 and they verified the money was indeed reversed and returned to XXXX XXXX on XX/XX/2021. 

As of today, XX/XX/2021, i finally received a reversal but there was {$40.00} missing. Apparently Chase bank stole my money because of their mess up. I WANT MY MONEY BACK TODAY. I am not waiting anymore days or hours for your inadequate employees to do their jobs correctly. 

I have sent this to the Florida attorney general, the federal attorney general, and XXXX. I have also submitted complaints to CFPB, left bad reviews on XXXX, XXXX, XXXX, XXXX and of courseXXXX XXXX. 

I am getting other clients together who have published complaints on CFPB and XXXX  website to possibly get a class action lawsuit against your bank for theft.
Product: Mortgage

I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX charge amount XXXX, XXXX XXXX XXXX  charge XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States i have the right privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

XXXX bought my mortgage. 
Never contacted me. 
Put my home in foreclosure after 120 days. 
I finally found out when trying to obtain a loan. 
Immediately paid arrears and penalties. 
Emotional stress unbelievable. 
Credit score XXXX 
Want the lawyer 's fees and late fees refunded. 
Want my credit score restored.
Product: Bank account or service

1. On XX/XX/2016 I noticed that my TDbank checking account had an unauthorized transferred to a company called XXXX consisting of all my checking account funds. I 've never heard of this company. 
2. I went to the local branch and they made out a Reg E form to initialize an investigation and they cancelled my debit card and issued me another. 
3. I checked with VENMO and found out they are a susidiary of XXXX. It appears as if one of XXXX 's clients committed the fraud using my debit card number. 
4. I wrote to XXXX telling them of the problem. They set me up with a case number. I also gave them the last XXXX digits of my cancelled dewbit card. 
5. XXXX replied that they XXXX know of the perpetrator but could not publish it it because of their privacy policy. They did suggest I contact the police.They did say the proper procedure would be for TDbank to restore my funds and then bill XXXX who would then retyurn them to TDbank. 
6. Meanwhile, my bank 's " Fraud Unit '' said I should retrieve the funds from XXXX. 
7. I checked with TDbank 's policy regarding Unauthorized Transfers. The policy says " if you notify us within 2 business days after you learn of the loss or theft you can lose no more than {$50.00} if someone uses your card without your permission ''. I notified the bank in less tan XXXX hours. 
8. I need an advocate in this matter to restore my account. I am a retiree and that was all the money I had until the next SS check is deposited.
Product: Credit card

On XX/XX/XXXX, the past due fee of {$40.00} appeared on my credit card account. I have set minimum auto payment, which I saw was {$160.00} on my app. When Capital One take out the money it was {$510.00}, resulting in insufficient fund fee of {$25.00} from my XXXX XXXX XXXX and past due fee of {$40.00} from Capital One itself. 

The minimum payment Capital One showed on my app differs what they actually withdrew from my bank differs. This practice is totally unfair. Capital Ones is effectively stealing money from me. 

Besides, when I was abroad, they would grey out my payment functions so I was unable to make payments a couple of times. So they could charge me late fees and they were surely able to see I was logging in from a foreign country.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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

In dealing with XXXX collection company i have had difficulty getting any proof of debt whatsoever. When i was first called they claimed i broke a lease early and owed {$2200.00}. 

On XX/XX/2020 i sent a debt validation letter asking them to provide the documentation XXXX XX/XX/2020 I sent an email with a copy of my notice to terminate the month to month tenancy well be fore the 60days provided in the lease. 

Iq data Int reported a collection account to XXXX XXXX  today without providing any validity of a debt. They even failed to check the box that the account is disputed as required by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Today, I discovered unauthorized inquiries on my credit report without any clear reason. During my routine check, I found these discrepancies and tried refreshing my browser, but the inquiries stayed. I'm requesting a thorough review of the documents I've sent to avoid any future worries about this.