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

On XX/XX/XXXX I went to Chase bank on town center parkway on XXXX XXXX. I had a large glass jar full of cash that I had collected for about a year which was roughly XXXX XXXX dollars. I went to the teller and asked to get the cash deposited into my account. The teller instructed me to separate the bills by XXXX, etc. I asked the teller do you want me to count it again she said no. I separate the bills and when I was done an employee a woman named XXXX instructed me to use the atm instead of going to the teller. She stood there and oversaw the process. She instructed me to put a chunk of the money into the atm I then asked XXXX should I count how much XXXX putting in at a time? She said no the atm will count it. The first chunk of cash that went into the atm was counted and amounted to be {$1200.00} but the atm did not give me a receipt. We did another chunk of cash after that and XXXX stepped away while the atm was counting it. While she was gone the atm jammed and showed an error message but did not display a dollar amount nor did the atm print a receipt. No money was deposited into my account from either transactions. When XXXX came back I explained to her what happened and the atm still had the error message displayed. XXXX told me there was nothing she could do and had to get her XXXX XXXX involved. XXXX got involved and still did not have a solution for me. The only thing he was able to do was get me two temporary credits one of {$1200.00} for the transaction that displayed on the atm and one for {$300.00} to amount to {$1500.00} so I could pay my bills that were coming in a week. XXXX assured me that the atm would be audited and the remaining money I was owed would be deposited into my account within XXXX weeks. Today XX/XX/XXXX nearly a month after the incident I reached out to the customer service line to check on the status of my missing money and was told that my claim was only for {$1500.00} which is wrong because I told both XXXX and XXXX the day of that the jar had roughly {$3000.00} in it. Customer service told me there was nothing they could do and to go to the branch. I went to the branch and spoke to a XXXX XXXX who was extremely dismissive and unhelpful she told me the machine had to be audited to find out how much money I was owed even though I explained to her that this happened a month ago and that should have been done already. XXXX also refused to let me speak to XXXX the XXXX who dealt with the original issue and would not allow me to make an appointment to see the branch XXXX XXXX. I called chase again to make an XXXX complaint to have it documented that the situation took place and after my complaint I was told that the bank did their investigation and decided I was owed {$1200.00} and that they took {$240.00} out of the {$1500.00} credit that they gave to me. I told them there was no way this was correct and again I was met with theres nothing else we can do.
Product: Credit reporting or other personal consumer reports

I do not recognize these accounts. I am a victim of Identity theft which could be due to the data breaches that occurred and also having my ID stolen from my mailbox. I have attached a notarized Affidavit, FTC report, and a dispute letter. Please review the documents and remove these accounts from my credit report within 4 business days per 15 USC 1681c-2 c ( a ).
Product: Debt collection

The Credit Protection Association that owns the debt collection from XXXX did not provide adequate verification for the debt in question. No documents were provided showing a contract or signature.
Product: Credit reporting or other personal consumer reports

Company as taken over the allowed 30 days to give a resolution to credit report dispute. Dispute was filed XX/XX/24.
Product: Credit card or prepaid card

My blue bird card was stolen I called to get it cancelled witch I did but before I could give out the new address to customer service the woman had already hit the button to send out a new card I tried to explain to her that I was no longer at that address I was in another state she told me it was to late I would have to wait my 7 to 10 days and if I didn't get the card to call back in .. I have been trying to call back in to customer service for 2 days now with no luck I want to speak with someone about how this went about I now am going to have to wait 20 days just to get my card an my money ... I am not happy!!!!!
Product: Debt collection

Vance and Huffman LLC originator : XXXX  Account number XXXX Date opened XX/XX/XXXX Account type Debt Buyer Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX. I have not opened an account with XXXX. If there was one it was paid in full back in XXXX of which is not on my credit report for whatever reason. The statute of limitations on debt in my state is three years. These 2 entries on my credit report is null and void and illegal. I tried disputing through XXXX but after a few weeks they said the account is accurate. I have asked for proof to show my signature and or an application with my info and what product/service I supposedly applied for in XX/XX/XXXX. The 2 accounts showing delinquent were opened in XX/XX/XXXX?? 
Their Contact info Name VANCE & HUFFMAN LLC Address XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

VERY ABUSIVE caller, refuses to stop calling my phone, and the person they are looking for is NOT me. I have tried to ask, and asked for a manager, no response ... they are EXTREMELY abusive and threatening
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent accounts listed below has violated my civil rights. List of accounts that need to be removed asap : ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  opened : XXXX XXXX Also this address needs to be deleted Ive never lived at this address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address the violations of federal laws by the following accounts and credit bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to XXXX v. TransUnion ( XXXX ), credit bureaus are obligated to ensure the maximum possible accuracy of the information they report. The inaccuracies in my credit reports violate the following laws : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX b ). Therefore, I request the deletion of these inaccurate accounts. 

Account Details : Account : XXXX Issue : Incomplete Information Details : TransUnion shows a high limit of {$320.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX XXXX : XXXX XXXX XXXX : TransUnion shows a high limit of {$410.00}, while the other credit bureaus show nothing. Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : This discrepancy violates 15 USC 1681e ( b ). 

Account : XXXX XXXX Issue : Inconsistent Payment Status Details : The payment status differs between the XXXX credit bureaus : TransUnion : XXXX  days past due XXXX : XXXX  days past due XXXX : At least XXXX days past due Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 

Account : XXXXXXXX XXXX Issue : Incorrect Account Types Details : The account types are inconsistent : TransUnion : Open account XXXX : Collection XXXX : Collection Additionally, the dates last reported are inconsistent : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX ( with no reporting from XXXX ) Additionally, there are XXXX different dates of last activity : TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Violation : These discrepancies violate 15 USC 1681e ( b ). 
Conclusion : If there is XXXX source of information, the reported data should not vary. These discrepancies prove that an actual investigation never took place. Therefore, I demand the deletion of the inaccurate accounts from my credit reports.
Product: Credit reporting

I have been making car payments through XXXX. Its not posting anything and its been a year.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud or n their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I noticed on my credit report, a charge for {$39.00} from XXXX XXXX XXXX, without any notice. I never received any letters from XXXX or XXXX XXXX XXXX. 
I called the company offering to pay the balance right away and requested it to be removed from the credit beareus. I was told all I can do is pay and I would get a paid in full letter. Then, I can file a dispute but nothing would be guaranteed.
Product: Debt collection

Received letter from an attorney XXXX XXXX XXXX and sheriff dept about credit card debt from XXXX in 2003. The creditor is a company I never heard of. They are threatening to garnish my wages from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to investigate and delete unrecognized inquries, I have sent certified mail disputes, and phone disputes since XX/XX/2022 and they refuse to delete these unrecognized inquries. They told me they will sit there for 2 years without filing a FTC report. I would never accuse anyone of something I'm unsure of which is why I requested an investigation. This should not be allowed. Plus they are very rude people. No compassion or respect for anyone. As soon as I call the first thing they say is " Are you calling again to dispute inquries? '' I'm just at a lost for words on how they can treat people this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a recent and current police report on file with Chex Systems for being a victim of identity. The following reported information on my Chex Systems Consumer Report ID : XXXX, are fraudulent and unauthorized accounts and information : XXXX XXXX XXXX, account : XXXX, XX/XX/2021, {$660.00}, and XXXX XXXX XXXX account : XXXX, XX/XX/2021, {$120.00}. The following credit inquiries are fraudulent and unauthorized : XXXX Texas, XX/XX/2021, XXXX XXXX, XX/XX/2021, XXXX XXXX XXXX XXXX, XX/XX/2021, XXXX XXXX , XX/XX/2021, XXXX Texas , XX/XX/2021
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying fake data from my credit report. I'm currently applying for another advance and these blunders are causing an issue with my FICO ratings detailing appropriately, so any assist you with canning give me with refreshing this data at the earliest opportunity would be extremely valuable. We are hoping to purchase a house. Kindly assistance
Product: Prepaid card

Global Cashcard was acquired by Wisley and I was no longer able to access the card through the account I had set up on the GlobalCashCard website. When I called, customer support, since I didnt have some ID number they requested. They locked the funds on the card. They sent me a link to upload two pieces of identification, one being my valid drivers license and a secondary which was a utility bill. Then they said they needed a copy of my social security card too. They claim the link they sent was just general link and they wouldnt help me without the ss card ( and dont even have a copy of it ). I will not upload that to a random link they sent me, so they have locked my funds unless I send a w-2 instead. This is not a payroll card. It is for stipends from a local theater to reimburse parking when I volunteer there. 
How can I force them to release the funds?
Product: Checking or savings account

I started a gym membership with  XXXX   XXXX . I was detailed out of town fo r 60-days, and since the gym membership was {$140.00} per month, I tried to cancel my membership. The manager said that I could not cancel my membership in person, and could only do so by sending a certified letter with 30-day notice. I did thi s in  XXXX . I also asked my bank to stop payment. In early  XXXX  the bank stopped the payment, but  XXXX  used a different company nam e ( a vari ation ) to withdraw the payment. I filed a claim with the bank, but they said there is nothing I can do. I called the manager at  XXXX  and demanded they stop, and they said that I would have to send another certified letter. I filed a fraudulent claim with the bank, but the bank reports there is nothing they can do if  XXXX  uses a different name.     I am not authorizing them to withdraw money from my account. They must stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent to each credit bureau the following A copy of my credit report I received from them. The fraudulent items listed. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires them to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting

Addresses reported on my credit report include the address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This has never been an address for me. I have always resided in XXXX. The other addresses listed on my report are correct. Concerns me that someone in XXXX XXXX may have used or trying to use my name for fraudulent purposes.
Product: Debt collection

A collection account was added to my consumer report that has not been validated according to 15 USC 1692g in addition 15 USC 1681b - Permissible purposes of consumer reports, no written consent was given to furnish this invalidated information on my consumer reports!
Product: Mortgage

Re : Wells Fargo Mortgage Loan # XXXX XXXX XXXX : Chapter XXXX Case NO : XXXX Filed on XX/XX/2017 Dear XXXX XXXX, XXXX & XXXX XXXX : Your offices were notified via the attached XXXX XXXX, 2017 letter of a person frequently showing up at our door claiming to represent Wells Fargo Mortgage and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX demanding we hand over the keys of the property. In each of the intimidating events the male person depicted in the attached photo taken on XXXX, 2017 between XXXX XXXX and XXXX from several video surveillance cameras angles, while attempted to forcefully and unlawfully access the property via the side-gate entrance and over the fence. When the individual was confronted and demanding he leave the property the person angrily replied, Today is Foreclosure Day, ( see attached Notice of Foreclosure Sale for XXXX XXXX, 2017 ) you can hand over the keys now, or I will be back with the sheriff this afternoon to kick your XXXX out.
Product: Money transfer, virtual currency, or money service

As a result of a matter concerning my identity being stolen 8yrs ago there is still high alert status when it comes to my credit and bank account, deposited checks etc.
Product: Student loan

I co-signed on one of my daughters student loans and this loan is up to date. However, she has three more loans in her name only that are starting to get behind. Since XX/XX/2018, they have called me 16 times but will not leave a message. They have called 11 times from XXXX XXXX XXXX XXXX, ( XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 5 times from XXXX XXXX XXXX XXXX, XXXX ( XXXX ) so far. My daughter has sent them a certified letter asking that they not to contact her family members, job or her neighbors ( they have her telephone number ).
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX {$5400.00}
Product: Credit reporting or other personal consumer reports

I did not do business with any of these companies and they are impacting my credit status badly.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C.

Sec. 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Product: Credit card or prepaid card

Barclays Credit Card Company XX/XX/23 Barclays sent me an wmail : XXXX extra points for {$300.00} chgs in XXXX, XXXX, XXXX. 
Promotion emailsaid do not reply to email. 
It was sent XX/XX/XXXX so how could I accept it XX/XX/23 to get credit for Fwb charges. I didn't think had to accept. 
I called today with ques and noone knew about promotions -- -4 people. 
Now they message me to screen shot their promotion email. I don't know how to screenshot. Too bad CS reps don't know their job. Worthless company.
Product: Debt collection

I had a call today that said I was being served for a legal matter. When I called the company that apparently mediates the debt, the lady said that I was being sued for a debt in XXXX  that I maliciously failed to pay. I do not recall the debt but she had my social security number and said that I owed them over XXXX. She would not give me information about her company, who she worked for, the name and address of the company, etc. She had me so upset that I was going to pay the settlement because I did not want to be served. I did not sign anything or give a verbal yes. 

The old account was with Orchard Bank and I do not recall owing it. 
I can't say who the woman ( mediator ) was because she refused to give me any information about herself or her company. I told her because there was so much scamming going on I didn't trust this process. 

I have not been served any paperwork, nor have I received any letters about this. 

I am not sure how to go forward with this nightmare. 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX credit card today XX/XX/20 and I was not approved because apparently there are two accounts in negative standing appearing on my credit history. I was not aware that there were accounts in negative standing on my credit report and when I looked through a copy of my report, I realized that those accounts are not mine. The accounts that do not belong to me are from two companies which are XXXX XXXX & XXXX XXXX XXXX XXXX. I am not affiliated to these companies in any way ; I do not have any written or verbal contract with them nor did I gain anything from these accounts that were opened without my permission such as money, goods, services or any other benefit. I also did not take part in any payments that might have been made towards these accounts. I have already filed a police report regarding these suspicious accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  reported broken lease XXXX. They also reported debt for repairs to the apartment unit totaling {$1100.00}. These repairs were requested by me to be fixed and the office never took care of them. I was diagnosed with XXXX at the end of XX/XX/XXXX and was unable to return to work. I am XXXX XXXX and this had no additional sources of income. I applied for rental assistance to assist with rent from XXXX as that was the duration of my lease. During this time of waiting on the assistance to come in, eviction was filed. Payment was received and processed and according to management the eviction was reversed. Upon trying to move I was denied by several other apartments due to an eviction on my credit. I requested proof of reversal and never received one. Unable to move at the end of my lease, I accepted the rental assistance through XX/XX/XXXX. Management requested I renew my expired lease and I declined due to the lack of response to complaints by management. In response the office decided they wouldnt accept any funding from project reset and submitted a 30-day vacate notice. They then charged me {$980.00} in lease termination fees, {$100.00} in late fees and {$490.00} in month to month fees. I did not terminate the lease and was not able to provide payment outside of the assistance. I vacated the unit on XX/XX/XXXX. My credit report shows a balance of {$2700.00} and I did not sign off on this, I notified the apartments that this was incorrect and asked them to submit an accurate bill. This was not done. The credit bureaus have not removed this from my report and the collections agency National credit systems is still submitting this debt to my credit report. I have since been unable to lease a new apartment and there has been no resolve. This report is inaccurate and I have copies of my lease, the unsigned bill, and communication with management to support the series of mentioned events. Im requesting this be removed from my credit report due to inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of consumer rights 15 USC 1681 ( A ) ( 4 ) right to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) unfair practices
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX using 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.