23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I HAD SEVERAL ISSUES WITH MY CHECKING ACCOUNT SOMETIMES I WOULD NOT COMPLAIN I LIKED MY BRANCH IN BKLYN. A FEW TIMES COMPLAINTS OF MISUSE OF MY ACCT WERE NOT SEEN AS SUCH AND I WAS DENIED MONIES THAT I DID NOT SPEND I AM A XXXX XXXX LIVE DAY TO DAY WORKED XXXX YEARS IN ANOTHER BANK PERSON. ALL MY BILLS MY PENSION MY INSURANCE PAYMENTS AND OTHER THINGS CAME OUT AUTOMATICALLY. A PHONE CALL OR LETTER OR AN EXPLANATION OF THE ACTION THAT TOOK PLACE WOULD AVE ALLOWED ME TO GET SOMEONE TO HELP ME REARRANGE MY FINANCIAL SITUATION. I WENT INTO MY ACCT ONLINE AND CALLED VA. TO BE TOLD THAT MY ACCOUNTS WERE CLOSED. I TODAY AM MAKING PHONE CALLS STILL, I HAVE CHECKS I CAN NOT SEE XX/XX/XXXX OR XX/XX/XXXX STATEMENTS I WAITED XXXX DAYS FOR MY MONEY TO ARRIVE TO ME IN XXXX, I RECEIVED XXXX DOLLARS LAST YEAR I PUT IT IN YOUR BANK PROBLEMSAROSE SHOULD I PAY XXXX FOR ITEMS I DID NOT BUY? XXXX DOLLARS FOR SNEAKERS FROM XXXX? EVEN MY BRANCH COULD NOT GIVE ME ANSWERS. MAYBE YOU CAN THIS WAS A TERRIBLE ORDEAL I FELL XXXX FROM IT AND I WOULD LIKE AN ANSWER, I SHOULD BE COMPENSATED I SHOULD BE ALLOWED TO CONTINUE TO HAVE AN ACCOUNT. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX   XXXX XXXX failed to give me my " Mini- Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under S i 807 ( 1 ) XXXX XXXX  XXXX XXXX XXXX ( 1 ) XXXX XXXX   XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX XXXX- is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ABILITY RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( WFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Over the course of three years XXXX, XXXXulton Bank of NJ , XXXX {$25000.00} in overdraft and insufficient fund fees. Despite multiple attempts, we have been unable to obtain the necessary information from XXXX to proceed with arbitration. As a result, pursuing this matter through this avenue is our only remaining option.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within four days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

XXXX Consumer Financial Protection BureauDear Sir/MadamSubject : formal letter of complaintI am submitting this complaint because I was the victim of a scam, facilitated by the lack of proper process at the bank. My prospective employer sent me XXXX checks to procure supplies, needed to start a new job. I deposited the checks and used the money to purchase equipment ( which never came ), and the checks bounced. 

Since XXXX XXXX 2015 I have been having the following problems : On XXXX XXXX, I deposited a check into my account for the amount of {$1900.00} as indicated on attachment XXXX. On XXXX XXXX all of the funds were available for me to use. I withdrew the money in order to conduct my business. Then on XXXX XXXX I deposited another check for the amount of {$4100.00}, which again all funds were available that same day as evidenced by attachment XXXX. The next day on XXXX XXXX, I withdrew the money needed to complete the business of that day. 6 days later on XXXX XXXX, I reviewed my account and it showed that I was now in a negative balance for total the amounts of the first check and on XXXX XXXX shows the negative balance for the second check. Bank of America made the funds available to me the day after I was victim of a scam and if Bank of America had properly verified the funds, I would not be in this difficult situation. Now that Bank of America was not able to process the check properly and no fault of mine I am being made responsible for the funds. This is unacceptable. Bank of America processed the checks and made the funds available and then determined that they could not get the funds from the institutions that the checks were from they have decided to make me responsible. The funds should have never been made available ir the checks had not cleared. The total amount of the checks has been levied against my accounts for me to pay. I request that Bank of America has a responsibility to have a proper process, and investigate the problem. Bank of America cover the amount of the checks and credit my account accordingly. I at no time during these transactions pushed to have the funds any earlier than what Bank of America made available. I informed to Bank of America by phone and at a local branch, and tried to request and investigation after I reported the problem to the police. ( Case numberXXXX, XXXX, FL Sheriff Office ) With every attempt that I made to pass this information to Bank of America, no one wanted to listen or open a report, and I was transferred to the collections department so that arrangements could be made to pay the money ) The checks were a scam on the prospect of my being able to start a new job. It was an elaborate setup and I carefully researched and the opportunity looked real. It was not. I have all of the paperwork and information on what was done and how they were able to make it look like a valid job offer. Please address this immediately. I anticipate your response. You can reach me at ( XXXX ) XXXX or XXXXXXXXXXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to XXXX XXXX  mini of times indicating that this account was fraudulent I have also filed a police report a consumer protection bureau, And I have also filed a report with the federal trade commission ... ... under federal law because My identity and/or my Social Security number was used fraudulently under federal law XXXX must remove/ report This information to the creditors and remove this negative information off of my report under federal law Section 623 ( a ) ( 2 ).

Section 605B
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive at least 3 calls from this company daily, including weekends. Years ago I signed up for this service. I was assigned to someone and sent them all the paperwork requested. The next month someone else called me saying the previous person had left the company and asked me to again resubmit all the paperwork I had submitted the month before. The next month the exact same thing happened and, you guessed it, the 4th month the same thing. Nothing was EVER done to improve my credit and after 4 months of paying for a service they never supplied, I cancelled my contract with them. When I answer I tell the caller they dont have my permission to record me, which usually confuses them and they continue to record our conversation, and I have to explain to them ( which they should already know ), that in California they need my permission and Im not giving it. One man said hed make a note, which obviously didnt happen, and they hang up. However, they have continued to call me from every state ( at least thats what the caller I.D . says ) everyday and they refuse to stop. Im never using them again. I owe them nothing because they breached the contract. And yet, they continue to harass me. Any help to make this stop is greatly appreciated, since nothing I have done has stopped them.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from 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
Product: Vehicle loan or lease

The Car was totaled, insurance company paid 95 % of the loan. Resting amount since i had no gap was XXXX. I made a payment plan to pay off at XXXX per month. So it would give me time to atlease save for another vehicle. For my understanding the payment plan is to pay off past or future due amounts in payments. ( Witch i think is accurate ) and they agreed. XXXX payments have been made. But the company after 1 months still decided to mark my credit as DELINQUENT for the pass due amount. My credit score when down XXXX points. Is this Legal?? If i made the payment plan why would they still send me to credit??? I want to report this company as a misleading and a Scam. They do not help out with credit at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two disputes regarding the same item on my credit report. Account Name : XXXX XXXX XXXX- Collection Account- Alleged Account Balance : {$4000.00}. Both investigations failed to provide verification as I requested per my legal rights to do so, with the final investigation results being provided today. I have no knowledge of this account or debt. Research indicates the agency is a property management company, yet the debt is clearly listed as a medical debt on my credit report. This is ILLEGAL to make misrepresentation in order to list items on a credit report!! I have submitted disputes outlining this error, lack of knowledge of this debt or whom it belongs to. TransUnion claims it belongs to me, but provides no verification in the form of any such contract indicating I owe any funds to this entity. Under Section 611 ( 5 ) ( A ) of the FCRA CRA 's are required to promptly DELETE all information which can not be verified. If this has been verified, I want the name of the person providing the verification as well as their contact information and a copy of any evidence or contract with my signature as this does not exist. I am a victim of fraud and TransUnion is not protecting me according to my legal rights as a consumer. I fully intend to seek damages through legal counsel if TransUnion does not rectify this issue by deleting this damaging item from my report immediately. The law is very clear as to civil liability and the legal remedies available to me. This is most likely a result of TransUnion 's use of automated software ( XXXX ), which has incorrectly tied me to this debt or item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

First National Bank of Ohama is reporting late payments on my credit reports due to a transfer of accounts from XXXX XXXX  XXXX credit card. According to First National Bank this transfer happen in XXXX of 2022. I was not aware from both banks of the transfer of accounts. Please keep mind during my time with XXXX XXXX  I was never late with a payment because my account was on automatic payment from my checking account. The only way that I found out of the transfer because I answered a XXXX phone number that ask me personal questions of a account for XXXX XXXX XXXX Of course I did not give out personal information unless the company told me information about me. When First National Bank of Ohama gave me the information needed then we began to speak about the account. Please keep in mind of identity thief for giving out information to a company I never agreed to do business with. I spoke with XXXX the supervisor at First National Bank of Ohama and told XXXX I was not aware of the transfer process between XXXX XXXX  and the late payments should be removed. The payment was for XXXX dollars and I immediately paid that amount. The Fair debt credit reporting act give me the right to issue this complaint or take legal actions due to unfair practices by Fair National Bank of Ohama. Once the bank took over the account the automated payment should have been included during the process. Please understand, I am a consumer and have rights for fair reporting. If this transfer would have happen with notice and a new issued card to the address on file then this complaint would have never happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account has violated my rights. 
XXXX. XXXX XXXX XXXX XXXX : amount of {$4400.00} XXXX. XXXX XXXX XXXX {$160.00} XXXX. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX. XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX. XXXX XXXX XXXX {$110.00} 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I was absolutely stunned this morning when I saw inaccurate accounts on my credit report, and I have no clue how this couldve happened. I checked my credit report like I always do, but this time there were errors out of nowhere. I even refreshed my browser hoping it was some kind of glitch, but unfortunately, it wasnt. The wrong accounts were still there after refreshing. This whole experience has me deeply concerned, and I am urgently requesting that the documents Ive provided be thoroughly reviewed so I can finally stop worrying about this nightmare.
Product: Debt collection

In XXXX I received a threatening phone call from EAS XXXX on XXXX   behalf from XXXX. The threat was to file criminal charges on me and I didn't need that problem. So I somewhat agreed but never signed the electronic document they send me after thinking it through. During this time several loan companies started making deposits into my account without me requesting them. However, I had given them my debit card number and they debited {$400.00} from my account with out the documents being signed. The next payment was scheduled from XX/XX/20, I lost my debit card and had to order a new one. Of course that morning Ms. XXXX called like 5 times, I was sleep. So that evening she called twice from a Private Number and started telling me I need to go to the bank and get a replacement. That was totally out of line on her part after I told her once the card was received I would call her. That wasn't good enough we got into an argument. After she hung up, 5 minutes or so, I received a call that reflected XXXX XXXX Pct 1 phone number. The man identified himself as a XXXX County Sheriff and asked was I home, he needed to come by to discuss a fraud case. I told him I didn't have a fraud case but sure come on by and I will have XXXX County meet him here. I called HC and a deputy came to my home and waiting on this individual but he never showed up. Of course, he hung up. At this point, I would like to not only file a complaint but receive my {$400.00} back.
Product: Student loan

The creditor has re-aged this account on XXXX showing payments in XX/XX/XXXX yet other bureaus show debt given to a collection agency, XXXX ( opened in XX/XX/XXXX ). How is that possible? At one point, status of the student loan account was showing as open on XXXX yet duplicate reporting by collection agency for same debt ( please see attached ). Reported DoFDs are different across all the credit bureaus and supposed payment history and original amount owed keeps changing. Series of violations and inconsistencies occurring. Please delete this account and get corresponding collection removed immediately.
Product: Student loan

I have since refinance my loan but not after lots of headaches. 
I was going to a for profit school in California and it was pretty much sign this loan or not go to school. The lagoon of {$12000.00} I believe was a private loan handled by Sallie Mae ( XX/XX/XXXX fall ) at an wrongdoing of 12 % + interest. By the time I graduated XX/XX/XXXX spring was tone to  pay back my loans. I was suggested into forbearance for my private lagoon because three was no way to lessen my payment for private. {$500.00} a month in student loans making {$10.00} hr.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out that there are two accounts on my credit report that do not belong to me. I found out today XX/XX/19 when I signed up for a credit monitoring service because I am working on improving my credit. I did not know these accounts were on my credit report because I did not open them, I've never had any written/verbal contract with any of these companies nor have I allowed anyone else to open an account with these companies. I suspect that they belong to my father XXXX XXXX XXXX. I am still investigating the situation and I have already filed a police report. I did not benefit any money, goods, services or any other benefit from any of these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A year ago I was scammed into using my vehicle to advertise for third party companies with decal stickers, I was contacted through a text message with instructions about how to start advertising. I received several messages with instructions on what to do with the check which i received for the amount of {$2900.00} delivered by XXXX. 
I was instructed to deposit this check into my personal checking account and i said no that i would open a separate account for business. It took me about two days to open an account with BANK OF AMERICA i explain myself to the ( Relationship Manager Banking Officer ) she her self was interested in this advertisement getting paid wkly of {$800.00} When i went back to the bank a day or two later, following the instructions that were given to me. I was told that it was a cashiers check that had bounce and that it was fraud. 
I asked for help in what should i do about this situation and i was given an XXXX number from BANK OF AMERICA to make a report which i did. 
So here i am a year later trying to open an account with another Bank and i was flagged for fraud. BANK OF AMERICA confirmed the account balance is at {$0.00} and I'm cleared of the balance. 
I was scammed and i need help in removing this fraud off my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Investors continues to furnish late payments on credit report. Client requested late payment to be placed of end of the loan, due to financial Hardship.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 disputed  XXXX  accounts with  XXXX   XXXX  with the  XXXX  major credit reporting agencies. The results of the dispute was that the accounts from  XXXX   XXXX  were removed  XXXX  file number  XXXX ,  XXXX  #  XXXX  and  XXXX  #  XXXX . The  XXXX   XXXX  accounts were removed. However, beginning in   XXXX  2017    a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by  XXXX   XXXX  and should not be reflected by a different company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I try to login to my account to manage my transuion credit freeze there is a problem and it prompts me to call their customer service number. Currently their office is closed, so there is nothing I can do. Last year when I went through this, multiple call and and hours of waiting on hold to fix the issue, of which they would not discuss with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my equifax report there is a bunch of hard pulls that were fraud and never made or authorized by me that I need removed off my credit profile. i have been trying for the past few months with very little help so i'm hoping you guys can help me out. All of the following i never authorized XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and anything else to do with XXXX XXXX XXXX I never applied for or gave anyone authorization. There is so many dates if you look at my credit profile.