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

I deposited two checks from my HSA account into my Wells Fargo account & they put a hold on my checks. They didnt even allow me to have the first {$100.00}, they said my XXXX  XXXX XXXX XXXXHSA account is closed. Its not & they can simply call and find out. I need XXXX on XXXX  & I need to pay my provider. The office doesnt take checks, and my debit card hasnt arrived. Wells Fargo is stopping my health and causing me more pain. Wells Fargo is being discriminatory against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block this item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2011 Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> CONSERVE XXXX XXXX XXXX XXXX, NY XXXX Subject : Debt Validation and Cease and Desist To, Whom It May Concern, I am writing in response to a recent debt collection notice from your office regarding account number XXXX  XXXX. To ensure that I am communicating with the correct party, I request that you provide documentation validating the debt in question. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I formally request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the amount you are claiming is owed, including documentation of any contract or agreement related to this debt.

3. Records of all assignments showing the transfer of the debt from the original creditor to your agency.

4. Proof that the original creditor securitized the debt.

5. Documentation of any assignments from the original creditor to a secured trust and back to the original creditor.

Please cease all collection activities until you provide the requested validation of this debt. Additionally, I ask that you refrain from accessing my credit report or reporting any information to the credit bureaus regarding this debt, as I dispute its validity. Should you have already reported this debt, I request that the dispute be noted on my credit report.

Please also clarify your permissible purpose for accessing my credit information, as I contest your right to do so.

Furthermore, I dispute the validity of this debt and request that any future collection agencies you may transfer this debt to be made aware of this dispute.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the Transunion report dated XX/XX/XXXX, XXXX XXXX failed to report the correct amount paid on my credit card payment due XX/XX/XXXX. Transunion report shows info was last reported XX/XX/XXXX Additionally, Transunion is showing {$84.00} in payments but I made 3 payments totaling {$120.00} for the payment due XX/XX/XXXX XXXX See below ) The result? My credit score dropped 38 points in XXXX. As of XX/XX/XXXX the Transunion report still is not updated or correct. 

XX/XX/XXXX {$87.00} ( for XX/XX/XXXX payment ) Cleared bank XX/XX/XXXX XX/XX/XXXX {$35.00} ( for XX/XX/XXXX payment ) Cleared bank XX/XX/XXXX XX/XX/XXXX {$25.00} ( for XX/XX/XXXX payment ) I contacted the credit card company via phone about this on XX/XX/XXXX and was told by a rep it takes 3 business days to investigate. They never called back. I called again on XX/XX/XXXX to follow and spoke to another rep who stated the investigation was not completed yet. I called again for the 3rd time on XX/XX/XXXX and in the middle of explaining the situation to the rep the call dropped. Not sure if they hung up on me or the call actually dropped. I have the call log saved. 

My account has been in good standing with this company with no missed payments ( 100 % on time ) since the account opened in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaint, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over XXXX  days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries 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: Money transfer, virtual currency, or money service

Issue Type : Bank account or service Fraud or scam Financial Institution : Truist Bank Complaint : I was the victim of a sophisticated scam where a fraudster called me using Truists actual customer service number ( spoofed ) and pretended to be a representative from Truist. They claimed there was suspicious activity on my account and told me to send funds through XXXX XXXX to verify and secure my account. 

I later realized it was a scam and submitted a claim to Truist. Despite this being a clear case of impersonation and social engineering, I am concerned I may not be reimbursed because I technically authorized the transaction. 

This wasnt a simple error it was a scam based on deception and abuse of trust in Truists phone line. Im requesting the CFPB ensure Truist fairly investigates and supports scam victims like me.

Amount lost : {$4800.00} Claim reference : XXXX
Product: Money transfer, virtual currency, or money service

Provided information about a scam to Zelle, the service we used to send money for a product. After the seller started asking for more we decided it was a scam and stopped the processes and asked for a refund. They said they would send one but blocked all contact. I reported the scam to Zelle and they told us to contact XXXXXXXX XXXX where we accesses the Zelle service. They told us we needed to contact Zelle. So neither company is willing to help with the fraud, just tell us to contact the other one. Thats a scam in its own right not backing their services.
Product: Money transfer, virtual currency, or money service

I can't access my chase account also my usaa account
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma put on my report that I qualified for a lower Interested rate for my vehicle and when I applied I was denied and it lowered my score after applying.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX Account ID:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I put in a dispute with bank of America on XX/XX/XXXX after noticing someone was withdrawal money from my account and then when I searched the transaction I noticed there was XXXX transaction totaling about XXXX they were taking out of my account in small amounts. I have never been to the location of the withdrawal. I realized I frequent a gas station that had a skimmer on it informed my bank and find out they deny my claim 5 days later saying it was me or someone I allowed to use my card which is not true. The atm they were withdrawing small amounts I never knew a atm you can withdraw XXXX dollars. I need help that is my hard earned money I reopened the claim with my bank but they say it could take 45 days to investigate it's not fair I am not suffering without money. What else can I do to prove it wasn't us doing those transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX : XXXX XXXX XXXX  XXXX Acct # XXXX Delete this account for inaccurate information because it continues to report activity after the closed date XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to several unforeseen circumstances I signed up with Freedom Debt Relief to consolidate my debt in XX/XX/XXXX.Unfortunately, what I was promised by Freedom Debt Relief was not fulfilled. I sent out written notifications & called my creditors promptly as required/requested by Freedom Debt Relief. I deposited funds into my account with FDR per our contract.I am still feeling the effects of my bad decision.FDR did not contact any of my creditors as promised regarding my consolidation program & my credit score dropped 100 points!I cancelled services with Freedom Debt Relief requested for my funds to be released immediately, since they did not fulfill their promise. Finally, after a week of back & forth, the funds were released. If you need assistance with Debt Relief this company is not the one for you.
Product: Credit reporting or other personal consumer reports

Upon review of my consumer report according to the Fair Credit Reporting Act 15 USC 1681 Section 602 states, there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
XXXX, Experian, XXXX are all consumer reporting agencies and I am the Consumer.

I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states It is policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic information. 
The following financial institutions ; ACCOUNT NAME XXXX  XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ; A financial institution by definition under that title 15 USC 1681 Section 604a Section 2 states In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 
These companies listed above, and Experian, XXXX, and XXXX do not have my consent to furnish this information and the surely do not have my written consent. Any and all consent XXXX, Experian, and XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

These companies listed above never informed me of my right to exercise my nondisclosure option.

15 USC 1681 C ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agencies 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. These accounts are adverse items they are reporting again without my permission which is against the law.

15 USC 1681 2 ( a ) ( 1 ) states 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. 15 USC 1681e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishings of consumer reports to the purposes listed under section 1681b of this title. 
XXXX, Experian, XXXX and these companies listed above are not maintain reasonable procedures. Also 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. I also request that the inaccurate information be updated immediately. I also request that an updated report be made available to or mailed to the address attached.
Product: Credit card or prepaid card

This complaint is in regards to the company called XXXX. This card was issued to me for unemployment benefits within the state of Florida. My complaint is that every time the automated number is called and it ask to enter the last four digits of the card number and pin. It automatically give the balance and deducts XXXX cents every time. There should be an option to select whether you want to hear you balance. Furthermore there should never be a fee assessed to check your balance OR to talk to customer service. 

This is deceptive. as many people are getting either unemployment, child support or some other benefit through this card. It seems to be taking advantage of consumers within a certain economic category. If a person is unemployed or getting state benefits, they need every penny they can get. Its unfair and deceptive to have a financial institution charge customers to hear their balance or get assistance from customer service. 

Please look into this matter
Product: Credit reporting or other personal consumer reports

I contacted Ally Bank multiple times one date being XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX letting them know that I opt out of them sharing my nonpublic information ( SSN, name, transaction history, account status, address, phone number, account open and close date ) with non-affiliates like XXXX XXXX XXXX without my permission or consent. They have shared 1 savings account and over 5 of my transactions from 1 account and its status. On the XX/XX/XXXX call Ally Bank representative told me that Ally Bank does not share any of my information with anyone and I let her know that I've already requested for a copy of my XXXX consumer file and it states that they ( Ally Bank ) reported this information to XXXX. She also stated that since my account is closed Ally Bank will not share anymore of my information. I did let the representative know that this is against Ally Bank 's Privacy Policy and the Privacy Act of 1974 and it needs to be handled. Please see attached documents for reference. This is tarnishing my name, ability to do business with others, causing emotional/mental and spiritual health issues. Ally Banks privacy policy violates the Privacy Act of 1974 and my rights as a federally protected consumer. https : //www.ally.com/privacy/ # of accounts : XXXX XXXX XXXX XXXX Status : XXXX XXXX  Transaction : 9 Number of Transaction Reporting : 9 Status Reporting : 7 Total Violations Owed to Me ( {$1000.00} per violation ) : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

experian and XXXX  both refused to freeze my credit. I complained to consumer financial protection bureau, they sent a complaint to the agencies for me. They said that there would be a response in about 8 days. Now they ( cfpb ) ( you ) have emailed me that the response will be 60 days. That's too long, The law says that these bureaus must freeze credit when asked, especially after recent security breeches. Now i wonder about the cfpb. Will you please send my complaint to XXXX and experian ( XXXX XXXX actually froze my credit, but the others refused to do so ). 

My email is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that was opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

took my {$500.00} for a home appraisal refused to give me a loan then refuse to give me a copy of this home appraisal. so i am feeling scammed by capital one.
Product: Mortgage

We are selling the property and Ditech is not releasing a payoff to title company which has affected our closing dates. They are not assisting me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX Account # XXXX, XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX & XXXX Account XXXX 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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
Product: Debt collection

I am filing a complaint and requesting that the following account be cleared from my credit due to the fact that the Chase account /debt were paid in full by me in the years XX/XX/XXXX, XX/XX/XXXX and or XX/XX/XXXX. 

Chase Accounts # XXXX I received a XXXX from Chase for the total unpaid balance of account as additional income, thus, I filed the amount of the XXXX when filing for my tax returns. 

Since, I claimed the amount of the XXXX accordingly, when filing my tax return for the years XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX this Chase account should be deleted and cleared from my credit report.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, i have noticed that there are many discrepancies on my credit report. 

The FCRA states that i must be provided verification of the debt any company reporting information on name. 

A statement is not sufficient to prove a debt belongs to an individual. In todays time, when there can be personal information leaked on the internet m, it is very possible for a person to be victim to cyber crimes. 

I have been contacting the credit reporting agencies as well ss the creditors who are reporting information on my name. In trying to explain that therr have been multiple accounts reporting on my credit that i have no knowledge of, it seems as though any documentation requested from me that i send, is never sufficient. 

I need the CFPBs help in contacting the listed creditors below and notify them that if they do not provide me with the contract that i supposedly had with the origingal creditor with my signature, then they must delete this account from my credit report. 

XXXX XX/XX/XXXXXXXX  {$2100.00} XXXX XXXX XXXXXX/XX/XXXX {$8800.00} XXXX XX/XX/XXXXXXXX  {$670.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$280.00} XXXX XXXX XXXX XXXX  {$1500.00} ( Original Creditor : XXXX  ) XX/XX/XXXXXXXX  {$230.00} XXXX XXXX XXXX XXXX {$380.00}