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

To whom it May Concern, Ive had the opportunity to view my credit Report and there are Multiple Inquiries that I Dont Recall I havent Signed any Documents requesting these inquiries.I would like an Investigation into the following inquiries as listed.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.Please provide Signed Documents .
Product: Mortgage

My husband and I applied for a mortgage with Bank of America and I believe we were turned down because he is a XXXX vet and of XXXX heritage.
Product: Debt collection

Wells Fargo has been violating my rights as a natural person and federally protected consumer under 15 USC Chapter 41. They have been claiming to be the creditor and claim that I owe fraudulent debts. I am the Original Creditor- Per 15 USC 1602 ( g ). I sent an Affidavit of Truth to them ( attached ) via certified mail informing them of the violations ( & proof of each- which are attached ) they have committed that have caused much harm to myself, reputation, and overall quality of life. The Affidavit of Truth was received on XX/XX/2021 ( as shown in one of the attachments ) and they responded with the letter attached and dated as XX/XX/2021. I did all steps needed to exercise my rights and Wells Fargo is not complying. This is not my debt to pay back!
Product: Checking or savings account

On XX/XX/2024 after my initial complaint to CFPB regarding Southstate bank I received a letter from stating they gave me a Provisional Credit for the fraudulent charges made to my bank account. Per the attached letter I am supposed to have full use of those funds. However, the fraud department will not allow me to use any of those funds related to the provisional credit. They have also taken it one step further and refused to allow my parents to have access to their social security checks until XX/XX/2024. This has resulted in late fees, penalties with the IRS because they can not make their tax payment, and late fees on their property taxes because they can not make their property tax payment.
Product: Checking or savings account

This happened to both me and my spouse today. 
I want a refund for an {$4.00} fee another bank charged me and Keys outside atm fee, which incurred using another banks ATM.

The drive through ATM was cash withdrawal disabled.

Keys teller them refused to disperse my finds through fun the window, or let me withdraw money within Keys limits.

Is Key running out of money? 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX telephone : XXXX Date : XX/XX/23 Time : XXXX EST
Product: Credit card or prepaid card

XX/XX/2023, Chase slate card terrible refill to me, even same amount not refill once, refill many times to my account, very clear cheat money from me.
Product: Checking or savings account

I have been a customer of Bank of America since 2017, when I spent XXXX months in the US as part of a XXXX XXXX XXXX  at XXXXXXXX XXXX Then I went back toArgentina, my country of origin and residence. I usually work for XXXX XXXX XXXX as a short-term consultant, and receive their payments in my account at BoA. Last friday ( XXXX ) I tried to make a wire transfer to XXXX of my accounts in XXXX, and BoA blocked not only the transfer but my account too. Now I can not access online banking. I've called on friday several times. All the bank officers told me that now it is mandatory for me to go to the branch to validate my identity. But again, I live in XXXX, and it is very expensive for me to travel to the US to carry out this procedure. Could you assist me on this matter? 
I would like to be able to access my online banking ; and, also, I would like to make the transfer. 
Thanks a lot in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing Fraudulent Inquiries on my Credit Report 1. XXXX XXXX 2.XXXX  XXXX 3.XXXX  XXXX XXXX  4.XXXX XXXX  Please remove these as these are fraudulently done as a result of Identity Theft which I am trying to get resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth follow-up to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance XXXX {$190.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$120.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; EQUIFAX XXXX XXXX XXXX : XXXX. XXXX, XXXX.
Product: Debt collection

SCA Collections has put a derogatory report on my credit claiming I owe a {$760.00} debt from XXXX XXXX. I have disputed this with all bureaus, contacted XXXX, contacted insurance company, and contacted you multiple times. Nobody has any record of an unpaid medical debt in my name being sent to SCA Collections. All credit bureau disputes have been denied stating that SCA Collections claims this is valid reporting. SCA Collections has failed to provide any sort of proof or documentation showing that this is a valid debt. This is an incorrect balance and I am demanding either proof that the debt is valid or that the delinquency and entire credit reporting from SCA Collections be removed from my credit report IMMEDIATELY. Failing to report information accurately and failing to accurately research this is a direct violation of the Fair Credit Reporting Act ( FCA ).
Product: Credit card or prepaid card

Navy federal credit union has two of my closes accounts. Credit card and closed car loan amount. My phone number is blocked in there system and determined i am NOT allowed to dicuss settling these accounts.
Product: Checking or savings account

at Wednesday XX/XX/year> i was not able to access any of my accounts. Then the next day on Thursday XX/XX/year> i contacted my banks customer service and thats when they informed me that my bank account was frozen and under review and that they will send me a letter by mail explaining why my account is under review and that they can not give me any more information by phone. then I waited until that following Monday to give them another call in the morning and a representative informed me that my account was closed and if i wanted my funds right away to go to my nearest branch to go get it.So on that same day i go to my nearest branch and the bank teller tells me that the department that closed my account is responsible on returning my funds and that i should call to make sure so i sat down at that branch and called the bank customer service again and they tell me this time that my account is still under review and that it was not closed and that they apparently sent out a letter to the department conducting the review to unfreeze my account that by XX/XX/XXXX i should get an answer. and still today i have not received any letter or any clear reasoning on why my accounts is under review and frozen and i have not been able to pay any of my bills or buy any of the necessities for my family ( the institution in question is citizens bank )
Product: Credit reporting, credit repair services, or other personal consumer reports

Under FCRA I have the right to receive a copy of my file with 15 days of requesting said copy. On XX/XX/2019 LexisNexis Risk Solutions received my valid request for a copy of my report. After numerous requests both written and verbal they have yet to provide me with a copy of the report. They claim they mailed the report to my previous address. After I discovered that in a phone call with them they promised to investigate that error AND provide and send a new report to my correct address. That was on XX/XX/19. I was told today that report has still not been mailed to me making it over 30 days without a report. According to your website I have the right to my report within 15 days. Please investigate.
Product: Debt collection

Around XX/XX/XXXX due to a credit monitoring service I noticed a fraudulent XXXX XXXX account was opened in my name. I disputed the account with XXXX and the account was removed completely from my credit files. 
Now a company called XXXX XXXX XXXX has placed a collection on my reports claiming the account was assigned by XXXX XXXX. I called XXXX who reported to me that they removed their tradeline due to fraud. I was advised to file a complaint and submit a dispute. 
I have yet to receive proper validation required by the FDCRA or received any correspondence regarding they own the debt and proof that the debt belongs to me. The account was just placed on my reports without any notice. I am 100 percent sure there are no such documents because the account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card with XXXX XXXX XXXX through Comenity Capital bank. I have had this card since XXXX of 2022. The last time they updated the account with the 3 credit bureaus was in XXXX of 2022. The account has been showing an incorrect balance with all credit bureaus since then. I have reached out to the company to see why they are not accurately reporting and they stated that " due to a system update they have chosen not to report account updates at this time ''. Their failure to report updates misrepresents my credit worthiness and credit score.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No consent is identity theft! You have a legal and federal obligation to protect my right to privacy and to not furnish information to my consumer report without written consent from me as the consumer. Congress outlines the permissible purposes that allows you to furnish information to my consumer report and none of those cases apply now. Youve violated my rights and broken the law. My confidence in your company to abide by the law is nonexistent. If we can not resolve this matter amicably, then I will be forced to pursue other avenues that are available to me. XXXX included. I know and you know that youre breaking the law and Congress allows me to seek actual damages for being violated.
Product: Mortgage

I have a Mortgage with Citi Mortgage Financial. As of XX/XX/XXXX, I no longer receive Statements from them. I called and was directed to the Bankruptcy Division of Citi. My wife had filed Bankruptcy in XX/XX/XXXX or XX/XX/XXXX, we were and we still separated. Though not Legally. I was informed that due the Dodd-Franck Act, i no longer would receive statement from them regarding my Mortgage Payments. from my understanding My wife bankruptcy has been Discharged. I have never filed Bankruptcy. I was told by Citi, due to the Dodd-Franck Act, they no longer are allowed to send me Statements. I was informed My home was included in the Bankruptcy and it was ( Affirmed In the Bankruptcy ). They also Stated that if they send me Monthly Statements they could be sued by the Government. I was told that because of the Bankruptcy i could walk away from my Home with no Actions against me from Citi. My question, if this Bankruptcy has been Discharged why are they not sending me statements. This Happened with no advance notice from them. They knew this was taking place before hand. I want My Statements sent to me. What Legal rights do i ( THE CONSUMER ) have? I have a right, regardless of what took Place of almost ( 8 ) years ago. I feel that they are not being Forthcoming with what my true Rights are, besides Being able to walk away from my home, when I never filed bankruptcy and was never aware of the Actions that took place. They said I could Re Finance My home to get My wife name off the Mortgage. Michigan as I am aware does not have Legal separation and we are not Divorced. My conversation with there representatives, gave me the impression they were not aware of these Stated conditions. Do I have a Legal right to take Citi to court or make tham produce Written Proof why they took this Action. It is not Fair to me. I have aright to my Monthly Statements Regardless of this Government Act. It does not Protect The Consumer at all if the Mortgage Service-rs can do this to their Customers with out warning and no clear explanation. It is not right!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Product: Credit reporting or other personal consumer reports

Basically I sent paperwork to the credit bureaus on XXXX  asking for debt validation. As of today, I haven't received or got a response back so I'm filing a complaint against the credit bureaus to try to get this matter taken care of. I would like for these incorrect items to be removed immediately.
Product: Debt collection

Debt Collection Letter was sent by a collection agency for an unpaid credit card balance with a charge-off date XX/XX/2013 and they are continuously sending mail in order to attempt to collect on that balance. This unpaid balance was not brought up to our attention until now.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This is a mass issue for us users.
Product: Checking or savings account

XXXX has an issue with servicing. One Wells Fargo associate told me they would stop payment, after dispute submitted, and return me my funds. Pending, 7-10 day investigation. I was then told I would be transferred to complete the return of funds. When transferred, the transfer was to XXXX not Well Fargo. And the person on the line had no idea what I was talking about. After some condescending discussions about what a dispute and a stop payment is and after he, white male, tried to shoo me away with a form, that we both determined at the beginning of the call didnt fit my situation. He then told me to hold on ; after sounding frustrated and hung up on me. After calling back and waiting an extended period for another agent, I was told the first agent that submitted the dispute was wrong on the recovery process. I do not care about these nonsense guidelines only used on the people who are responsible for these companies existence. Save that talk for a legislature or some entrepreneur ready to take a portfolio of subprime debt. I paid to have a debt removed by a date. It has been told to me, by the company, they will not provide assurance of the removal to me. Even though, when I paid, I was told I could call and get a form to show it was paid. So they didnt remove it by XX/XX/XXXX. They told me effectively they wont even begin the process until XX/XX/XXXX. Meaning it wont be off my credit until XX/XX/XXXX. Go back and listen to the call, I said, if it cant be off by XX/XX/XXXX, Im not paying. I was told it would be. So, XXXX XXXX committed fraud to get payment on a debt. Then, went to the bureau and stated it was paid. Only for them to update as a new debt with a new balance. Why would I pay them, only to let them, turn around and repost on my credit? All that 30 day wait nonsense is a policy used to maximize efforts to charge and punish. Up to 30 days, is not the same, as waiting until the XXXX day, at XXXX, to notify the bureau. When I only paid to have it removed before XXXX XXXX. We had a deal for a service they did not provide. Meaning, I shouldnt be response for paying for those terms. Any XXXX law student could get that, but the folks at XXXX and Wells Fargo dont seem to understand consideration, offer and acceptance. Digital currency or physical cash it doesnt matter. If I agree to pay for x and got c, then I need my money back for x. This isnt rocket science. Its called doing the right thing. Its not a magic wand as the white condescending and lowkey ignorant associate tried to make it seem. Im not asking for a handout. Im requesting you as a bank and XXXX provider do your job. Call it a theft. Call it fraud. Call it bait and switch. Call it whatever you want, but it would be ridiculous to consider this as a harm to me, the consumer. A consumer is entitled to a receipt for their purchase. I dont have a receipt. No account manager to discuss with XXXX XXXX. Wells Fargo is effectively acting like the good guy for doing a dispute, then they send you to XXXX who doesnt even know what youre calling about. In no way is this acceptable.
Product: Debt collection

XX/XX/XXXX I closed my account with XXXX XXXX. I received a final bill of {$33.00} which my wife paid. The bill was paid on XXXX/XXXX/XXXX, and I have a bank statement showing that. The following month XXXX XXXX sent a refund check for the amount of {$33.00}. I assumed they overbilled me and made things right by sending the check, and never thought another thing about it. 
XX/XX/XXXX, I received a collection notice from AFNI for the balance of {$33.00}. AFNI was called and a dispute was opened. My wife sent them proof of payment. On XXXX/XXXX/XXXX my wife called AFNI, and they stated they had received the documentation and had sent it to XXXX XXXX. 
On XXXX/XXXX/XXXX I received a letter from AFNI, saying they were resuming collection activities. 
We have made numerous follow up calls to both XXXX XXXX and AFNI in an effort to get this resolved. Today ( XXXX/XXXX/XXXX ) my wife and I spoke with a representative from AFNI who informed me that my credit had already been damaged as a result of this. I had a local Credit Bureau run my credit and learned that I had indeed suffered a negative mark on my credit showing that I was in collections for {$33.00}. I can not get anywhere trying to talk to either XXXX XXXX or AFNI, and continually get the run around. I would happily pay the {$33.00} if I can get assurance that my credit will be restored. I am very upset that my credit has been compromised over a mistake made by XXXX XXXX, which they refuse to admit too, but the documentation shows otherwise. 
I do not have a way to upload documentation, but can send it via mail if needed.
Product: Checking or savings account

My money has been in paypal for a long time, but I have been unable to withdraw my money XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX stating they had a court summons for my husband. When I questions the reason, I was directed to XXXX. They informed me that they represented Chase Bank, that my husband had an outstanding balance on a credit card of {$30000.00} that dated back to 2010. I was pressured into paying half that amount that night or either go to court or pay the full amount. I paid them {$15000.00} on my husband 's bank card which has since been cancelled, but they could not stop the payment.
Product: Credit card or prepaid card

Thought there was a mistake when I initially applied for a balance transfer it never went through online so they took the application on the phone sometime past I called them to check on the status and they said there was a problem I then asked them what the problem was and they said that they needed more information because there was a security fraud issue and did not elaborate error they evaded the question I found out later when I called XXXX was that I had a credit freeze on my account that they probably couldnt access it and that I should call Discover back I called them back and tried to straighten it out and they said that XXXX wanted a form filled out to confirm some information and I asked why is it necessary and they evaded the question several times during 3 conversations they wouldnt answer me directly ; subsequently I called XXXX back they g they said that there was there really isnt much They can do. guess they can just get away with cutting me off from my own account that was always paid on time had excellent credit for no reason they wanted to re-verify everything and I did expect this not with my credit history. I unlocked my credit report when I talk to XXXX and they can access my current information and my on time payment history including paying off their card but they refuse to cooperate and I have o account or rights apparently. XXXX denied they had anything to do with this situation.
Product: Credit reporting

Creditor XXXX XXXX placed a retail credit card into collections that is not mine.