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

I made a deposit into my business account XXXX XXXX on XX/XX/XXXX for over XXXX. I went to make sure the balance had posted after the XXXX, and it had. I didn't need to write checks with that particular account and assumed there was no issue and made small purchases up to today 's date and they cleared with no issue. I went to charge my healthcare test to the card today for {$140.00} and it was declined... twice. I opened up my account and they have placed a hold on the funds since I saw them clear after the XXXX. I have outstanding checks that will clear as of today 's date, so I called them to see what the issue is now. I spent collectively on the phone over 45 minutes between holding and speaking to people. They informed me they had placed a hold on the check, never said why other than the need to verify funds which is XXXX  considering they have had the funds in Chase for over 6 days ( I verified this with XXXX XXXX XXXX  ). I held a federal and state-chartered banking and broker license in the XXXX 's so I understand the banking world somewhat. This is nothing more than Chase doing this to a plethora of people all at once as it aides the fractional reserve banking/lending system we use currently- great for the lending process but egregious to we the consumers and a major inconvenience. Was never notified by Chase-no call, no email no nothing- just an after the fact " we are sorry ''. The verbal band aid they like to use when they have no meaningful reasoning behind their actions- complete baseless and without merit. They tried to blame XXXX XXXX XXXX as the culprit as XXXX XXXX XXXX will not verify anything over the phone, not sure why you need to verify the funds are in your account when you can see them. BTW the other account the check was written on belongs to me as well so I saw when it cleared that side. Extremely bad customer service on all fronts and I will use this account sparingly till I can get to XXXX XXXX A to open another account there. Please hold Chase Bank accountable for their actions and I would like to know if there are any other agencies that I can file with.
Product: Mortgage

My mortgage is with New York Community Bank ( XXXX, NY. ) My homeowners insurance and property taxes are paid through escrow annually. For the second year in a row, I have had to pay my homeowners insurance premium to XXXX XXXX because the mortgage company has not paid it before the lapse date. The bill was sent by the insurance company to NYCB in XX/XX/XXXX and XX/XX/XXXX, with reminder notices going out in XX/XX/XXXX and XX/XX/XXXX. The policy renews on XX/XX/XXXX annually. In XX/XX/XXXX, the payment was not made by NYCB until XX/XX/XXXX, so I had to pay on XX/XX/XXXX to avoid a lapse. In XX/XX/XXXX, payment was not sent until XX/XX/XXXX, and I again had to pay on XX/XX/XXXX ( XX/XX/XXXX was a Sunday ) to avoid a lapse. I have spoken to the escrow department at NYCB several times and have never received a satisfactory explanation as to why they are not paying on time, even though the money is fully available in my escrow account. I even tried to have the escrow discontinued so I could pay the bills myself and they would not allow me to do this without charging me an exorbitant fee. I think I should be able to discontinue my escrow without penalty or fee since they have demonstrated that they can not pay the bills on time.
Product: Debt collection

I received a debt collection letter on Saturday, XX/XX/XXXX, from Afni, Inc dated XX/XX/XXXX. Afni, Inc alleges that I owe {$230.00} to XXXX XXXX XXXX. I paid {$230.00} directly to XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, IL XXXX via cashier 's check on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They destroy my credit I ask for help and I was in hospital having XXXX XXXX and I have had access to my phone they lied about loan and grant
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts Appearing On My Credit Report. 

XXXX. Us Dept Of EDXXXX {$15000.00} XXXX. Us Dept Of Ed/XXXX {$36000.00} XXXX. XXXX XXXX {$17000.00}
Product: Debt collection

To who it may concern, This man called me today, sounded very serious and knew all my information, saying that my XXXX account that was closed for no use has XXXX XXXX dollars that I owed and now the bank sold my account to a dept collecting agency that is calling to clear my name. I was nervous specially because I just got rejected from applying for a new XXXX  credit card. They had detailed information about when the last time I used my card was and I was in the middle of the work and they were not giving me information about where this XXXX XXXX dollars were coming from so I hung up. They had my email so they emailed me, I am scared they will use my information incorrectly, I am not even sure if I gave my last 4 digits or not. After talking to XXXX they confirmed that that was fraud. I am terrified and I don't know what to do. XXXX staff told me to contact you and share their emails, phone numbers : XXXX XXXX emails : XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching back out to you guys because they are a few items that are still on my credit that are not mine. Some items were removed however there are still things on my credit that are not mine. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bankruptcy Dismissed, XXXX XXXX, XXXX AND XXXX. There are also a couple of items that are on my report that dont even have a name just an account number. XXXX XXXX  XXXX and XXXX )
Product: Payday loan, title loan, or personal loan

I previously had taken out two of these loans and paid them off without issue. Each time the payoffs came from my XXXX checking account. This company also charges a membership fee and that charge comes every two weeks. If you do not pay the fee, they freeze your account. This is important because when you take out the loan you only get some of the money, with the rest of the money coming after the loan has been paid off. If your account is frozen, even if you pay off the loan, you don't get the money that is in escrow. 
At some point there was an issue with this membership fee which they acknowledged was their error, yet still they put a freeze on my account. In order to get the account active again I gave payment information for a XXXX checking account that I have. The membership fee was processed and the hold removed. 
I subsequently took out a third loan. Without my permission and despite the fact that I had used the chase account for all loan payments, moneylion begin to attempt to debit the XXXX checking account to pay off the third loan that I took out. I don't keep any cash in that account and consequently I was hit with overdraft fee and seven NSF fees that total over {$270.00}. I asked moneylion to please contact XXXX and let them know that these charges were in error, that way I could recover the overdraft fees. Even though they acknowledge the mistake, Moneylion refused to assist. This despite the fact that I indicated that I would pay off the current loan as soon as they contacted XXXX. When you consider the fact that 45 % of the loan amount is sitting in an escrow account, and the problems that they've created and acknowledge but refused to correct, it seems a little unfair that I would have to bear the financial burden of this shoddy operation.
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, THE CASH APP FAILED TO TAKE TIMELY AND EFFECTIVE MEASURES TO INCONVENIENCE AND PREVENT AND ADDRESS FRAUD ON THE 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 INCONVENIENCE AND FINANCIAL LOSS, AND I SEEK APPROPRIATE REDRESS FOR THESE VIOLATIONS
Product: Debt collection

Portfolio Recovery is continuing to collect on a debt that was a result of identity theft but recently when I sent a formal dispute by mail they verified it as accurate. I contacted customer care and spoke with  XXXX . She admitted that she could n't help me with this account because it was sold to a law firm called  XXXX   XXXX   XXXX   XXXX . If that 's the case how can they continue to verify it as accurate with the credit bureaus and continue to currently report the debt under their company name on all  XXXX  bureaus.this is a violation of the FDCPA. They must remove their name from my credit report because they and the law firm ca n't collect on the same debt at the same time for an old  XXXX  debt.
Product: Debt collection

As a federally protected consumer, I am requesting proof of the alleged debt. Under the doctrine of estoppel by silence, Engelhardt v. Gravens, I may assume that no proof exists. In good faith, I demand evidence of the debt, specifically the alleged contract bearing my wet signature, and proof of your authority in this matter.

I have no account with you, nor have I entered into any contract, so I require the following information : Your authorization under 15 USC 1692 ( e ), ( f ), and ( g ).

Your legal authority to collect this information.

Your legal authority to collect the alleged debt.

Your authorization to operate in my state.

Proof of the alleged debt, including any contract with my signature. 
You have 7 days to respond in writing. Failure to do so will waive any claims and lead me to presume your previous communication was sent in error, closing this matter. Your continued silence is unacceptable. Please provide proof or correct the erroneous reporting of this debt with the credit agencies. 

I am currently unable to secure housing or employment due to violations on my credit file, and if you do not respond, I will initiate a small claims action for {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the Fair Credit Reporting Act. 

This notice serves as a formal dispute regarding the validity of the alleged debt, and any information received will be used as evidence for further action. The FTC and CFPB will also be notified of this matter.
Product: Credit reporting or other personal consumer reports

Once I was made aware of the identity theft I tried to log in to my TransUnion account. It kept saying it was sending me an email to verify. However, I never received an email. The online chat people refused to fix it. I have called many times just to be placed on hold and hung up on before I could even talk to anyone! I know through my XXXX law account that many things are not correct on my report and more things are being added daily. They refuse to help me get into my account so I can dispute these items and see what else is on it. Let alone to put a freeze on my credit. No matter how many times in the last few weeks I have tried to get into my account and get my credit report I am unable to and they just flat-out refuse to do their job. I have informed them that I have Identity theft issues and they still refuse to help me.
Product: Credit reporting or other personal consumer reports

I have been repeatedly contacting your office regarding accounts on my credit report that are in pending litigation and are inaccurately reported. I am extremely frustrated with the lack of response and demand immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX + {$1200.00} Closed XXXX XXXX/XXXX Closed : XX/XX/XXXX + {$730.00} Closed XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Closed : XX/XX/XXXX + {$680.00} Closed XXXX XXXX XXXX Closed : XX/XX/XXXX + {$640.00} Closed XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX - {$33000.00} Closed XXXX XXXX Last reported : XX/XX/XXXX -  {$610.00} XXXX XXXX - {$430.00} Closed XXXX XXXX CREDIT CARD - {$1200.00} Closed XXXX XXXX- XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$1300.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$610.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$410.00} Needs Attention XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$100.00} Needs Attention XXXX XXXX  XXXX XXXX Last reported : XX/XX/XXXX +  {$54.00} Needs Attention XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and XXXX are allowing the creditors listed below to fraudulenty report negative items on my credit report. I've sent several letters to each bureau and the collection agency to verify the debt and remove the accounts and they have all failed to remove the following information from my credit report. My last letter was sent in XXXX. 

The following accounts are still being reported on my credit report and they should be removed. 

Creditor Name : LVNV FUNDING LLC, Balance : {$840.00} Account number : XXXX. Date opened : XX/XX/XXXX Creditor Name : XXXX  XXXX XXXX, Balance : XXXX, Account Number : XXXX Date opened : XX/XX/XXXX Creditor name : XXXX XXXX XXXX XXXX, Balance : XXXX, Account number : XXXX, Date opened : XX/XX/XXXX Creditor name : XXXX/XXXX  XXXX, Account Number : XXXX, Date opened : XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Michael Andrews and Associates after a hard inquiry was placed on my XXXX credit report on XX/XX/XXXX18. I contacted them within 1-2 days of the inquiry to find out who was authorizing this pull of credit and why. I spoke to a representative who answered and asked me for my name, which was provided. She told me that I would be receiving something stating the reason for the credit pull. I told her I had not authorized anyone to pull my credit and I did not have any business with this " law firm ''. She then stated that this was in connection with my previous car and that they were handling the case and that it was in my contract which would be mailed. To date I have not received any documentation or notification from this company or supplied any information as to why my credit was pulled without my authorization and consent. I am requesting this inquiry be removed under federal consumer protection laws as it was not authorized and the company has provided no evidence to support justified reasons or where authorized by law and/or contract to receive my credit information.
Product: Mortgage

I owned a property that was foreclosed and I never contested. I do n't even recall being served but I received a letter from the court that a judgment was entered for the XXXX trust on the house, which was owned by Wells Fargo. Wells Faro 's attorney garnished my wages and I was making payments for about two years. Sometime around XXXX 2013 I get a letter from the attorney stating that my garnished wage order was dismissed. I spent literally 6 months trying to get an answer why, and never got a response. I have emails from the attorney and Wells Fargo, but no response as to why. I suspected that there was some time of violation, but did n't know who to talk to or what was possibly improper. I learned about the SCRA while taking my XXXX and suspected that the violation was charging me 10 % interest for over a year while I was on XXXX. When I attempted to contact the lawyer they wrote " We no longer have this file. Please call XXXX XXXX at ( XXXX ) XXXX at Wells Fargo Bank. She will be able to answer your questions. '' XXXX XXXX passed me on to another employee who told me that she knew why, but that legal would have to tell me. I called several times requesting information and never got a response. I figured something was very wrong, because of the sudden, " you do n't owe us anything. We ca n't talk response. '' I would like to know why I stopped paying and if my rights were violated, what is my recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me.
Product: Debt collection

I was in a car accident in XXXX and thought all of my medical bills were paid from my settlement. I NEVER received a bill from XXXX XXXX, I never received a call from them, they never reported the debt to any credit reporting agency -- They just sued me in XXXX. I thought this was settled and done, I didn't think I owed any money because I told the lawyer how little money I had at the time and my health, I had a XXXX not long after this. There was no mediator in the room with us, it was just me and the lawyer, I don't think that was right. It doesn't feel right. I didn't understand what was happening and yeah, I understand that I signed the paper but I did so under false understanding. There was no third person in the room with us to be an impartial party. Since that day in court, I haven't heard anything from this, I have received NOTHING stating I owe XXXX XXXX and the only calls I've received are robocalls that don't even include my name so I assumed they were spam. I was not properly notified and now they are garnishing my wages and refuse to work with me when I reach out. As soon as I was aware of the debt I reached out. The garnishment is preventing me from paying other debts I knew and agreed to and my credit score has dropped over 100pts.

I really think there should have been a mediator, I feel like if there was a third party in the room they probably would have made sure I actually understood what I was to do and none of this would be happening.
Product: Debt collection

I, XXXX XXXX have never had an account /contract with XXXX XXXX.I have never received any correspondence from them ; therefore i am requesting that this item be removed from all three credit breaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

The following Accounts : Loan Account Holder : XXXX XXXX XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I spoke with a XXXX XXXX XXXX XXXX employer and requested a wet signature and original contract to verify account. Without doing so should result in deletion on credit profile. I see it still on credit profile and its been longer than 30 days since I spoke to representative
Product: Debt collection

XXXX  My extra phone was lost by my XXXX XXXX XXXX daughter in the grocery store. The phone was unlocked and still connected to my XXXX account and access to bank, cash apps and every app on my phone. There were numerous accounts opened including bank account in my name. I contacted police but couldnt get a report because it wasnt stolen. I contacted all of the creditors and all but XXXX canceled the accounts. The original creditor had these accounts in dispute status and still sold these accounts to a collection agency after charging the debt off. Im sure this has to be illegal to sale debts in a dispute or bankruptcy status. I also never received a 30 day validation letter prior to the debt being applied to my credit reports. I have also requested validation of this debt from the original creditor as well as collection agency and all 3 credit bureaus. This fraudulent account is causing financial harm to my family and I. I would like to persue legal remedies against XXXX, XXXX, XXXX, LVNV funding llc. They clearly keep verifying debt through address or secondary information. Its not right for me to suffer as a victim of fraud and all my other credit cards are paid off and handled responsibly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not properly reporting all of my payments. Experian is not reporting payments made in XX/XX/2016. I have tried in good faith to rectify this with experian and they do nothing with my investigation. I am keeping all of my claims and disputes that I have filed for a civil suit against Experian. They refuse to investigate my claims and marked my last dispute as a duplicate. Of course nothing was done by Experian. I am yet filing another complaint in hopes of Experian correcting my credit report to reflect all payments made to prestige XXXX XXXX. XXXX XXXX XXXX reported a payment made XX/XX/2016 and Experian refuse to update all payments made.