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

My merchant account with Bank of America was unfairly closed randomly. In addition, the remaining funds on the account were automatically withheld as a result. I was advised the funds an amount over {$2600.00} will be on hold for approximately 6 months, which was excessive in comparison to the 90 days norm from other financial institutions. Furthermore, I received XXXX charged back during the holding period, and all three charged back were deducted from my business checking account instead of the funds on hold. To my concern another red flag. Besides, I was informed by Bank of America otherwise, that funds are placed on hold for this specific reason to cover any potential charge back. Move forward, on XX/XX/XXXX a representative from the risk department advised to call on XX/XX/XXXX in order to have the funds release. After all, upon calling on XX/XX/XXXX, another issue arise detailing that the funds will not be release until late XXXX, since the last charged back occurred in XXXX. Therefore, an additional 6 months, were added and will continue to add in conjunction of potential future charge back. At this point Bank of America failed me at every point, by using tricks and malpractice to not release the funds as promised within the 6 months period.
Product: Debt collection

I received a summons from XXXX XXXX XXXX the attorney for XXXX XXXX XXXX in regards to an outstanding medical debt of {$77.00}. The summons stated that with collection and attorney fees, I owed {$350.00}. When I called the office of Edwin B Parry today, XXXX/XXXX/17, to discuss settling the matter prior to judgment, I was told by XXXX that to halt the judgment the full balance had to be paid today. The amount XXXX said had to be paid to halt the judgment was over {$400.00}. I was driving at the time so was unable to write down the exact amount but the amount he said would be required to halt the judgment was well over the amount listed in the summons. I stated that amount was more than 4 times the amount of the outstanding medical debt. I asked if the amount could be settled on and was told no. XXXX also stated that payment had to be made today to halt judgment. I stated that I would n't be able to remit payment until the XXXX and XXXX told me that if payment was n't made today the judgment would be submitted. I again stated that I would n't be able to remit payment for 2 weeks, and asked if he was unable to accept the arrangement if that was n't someone there who could. I was placed on hold and when XXXX returned he stated that he could n't accept an arrangement because I 'd refused information on the call. When I stated that I had n't refused to provide anything I 'd simply stated what my intention of calling was when he 'd answered the call 5 minutes prior. I stated that if he 's telling me that I ca n't work out a payment arrangement because of a question he 'd asked over 5 minutes ago that seemed pretty catty. I told him that if additional information is required to work out an arrangement is required, then I can simply provide that information. XXXX stated that this call was n't going anywhere and disconnected the call. I called back and asked to speak to someone else where I was transferred to someone 's voicemail, and have yet to receive a returned phone call. The amount that XXXX demanded to halt legal action was inconsistent with the amount listed on the summons and legal action was threatened if that amount was n't paid in full today. This is deceptive and abusive.
Product: Money transfer, virtual currency, or money service

I had my Wells Fargo bank account compromised and XXXX took from the account through a XXXX transaction falsely added by the intruder and who also used my mothers name to mask the fraudulent information used to receive the funds. I contacted Wells Fargo and followed up with them roughly a week later. They told me that transaction was done in good faith and that the claim I established with Wells Fargo had been closed with no way of reopening. I filed a complaint through Wells Fargo and listed several details to prove that what was done in my bank account was not done by me. They responded that the information provided would not help the case further as the case had been closed by the fraud investigation department of Wells Fargo and essentially told me that I was out of luck. I done almost all of the preventative measures in order to secure the account but it still got infiltrated. The infiltrator also added a phone number to my account that has been declared as malicious by another banking institution. I know this because the same scenario almost happened two months ago that the same individual tried to get into my account but Wells Fargo intercepted the transactions and contacted me to create a new account number, debit card number, checks, username, and password. Wells Fargo knew this phone number had been linked with fraud back then and helped me prevent any actions against my account. Fast forward to now and that same fraudulent phone number and individual got into my bank account and did financial damage to me and Wells Fargo never contacted me about any of the multitudes of changes that person done to my account within minutes of getting into it. And further more, told me that I could do nothing about it because the transaction was, in apparent, good faith
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inequitable 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, there dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud 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

I had a debt show up on my credit report by Credence Resource Management , LLC claiming I owe XXXX XXXX XXXX under a account number that is not mine. I have received no correspondence from either company and am current on my 3 accounts that I do have with XXXX XXXX XXXX
Product: Debt collection

Communicated via certified letter to XXXX XXXX XXXX, XXXX on XX/XX/XXXX requesting their office ( and XXXX XXXX XXXX, XXXX XXXX XXXX ) provide debt verification and validation proving an alleged debt belongs to me. XXXX XXXX and XXXX XXXX XXXX have both threatened to take legal action against me. I have yet to receive any documentation from either company proving XXXX XXXX XXXX XXXX  f/k/a XXXX XXXX ( Account # XXXX ) belonged to me. 

XXXX XXXX XXXX, XXXX failed to attach copies of any contract evidencing the alleged debt was signed by me and that did not attach copies of documents generated when the credit card was actually used. XXXX XXXX also failed to provide valid documentation proving and assignment or other writing evidencing transfer of ownership that the alleged debt was purchased. 

Pursuant to the FDCPA and North Carolina General Statutes has not been honored so I am ready to file a class action lawsuit and countersuit of defamation of character and seek damages this invalidated debt has caused against my three credit files. Trying to intimidate me with legal recourse will not benefit your office in being able to validate this debt nor will it satisfy the FDCPA legal requirements and violated PPCA and N.C.G.S 58-70-90, N.C.G.S 58-70-150, and N.C.G.S 58-70-115. 

I am aware of a pending lawsuit ( Case No. XXXX, XXXX XXXX XXXX, XXXX v XXXX ) and I will now be inclined to file a law suit in parallel if Account XXXX is not removed from my credit files immediately. 

On XX/XX/XXXX, received a Notice of Dismissal from XXXX XXXX XXXX which proves that some type of " legal '' actions was taken or tactic used to intimidate me in making payments on debt not substantiated.
Product: Credit reporting or other personal consumer reports

According to the FCRA and Metro 2 compliance reporting standards, the information listed above is my most up-to-date personal information. If what you have on file for me doesn't match what's listed, then there are problems with either your records or those who provide them for verification purposes. In order to comply with FCRA and METRO 2 compliance regulations, my profile must be accurate and thorough. You must finish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. My credit history, as well as the following information, have never been validated or correctly reported. I will exercise my consumer rights by requesting that factually truthful, verifiable, and compliant data be obtained and placed on my credit report. I also require that any mistakes be fixed permanently.
Product: Vehicle loan or lease

Today just a few minutes ago Wells fargo sent a letter to XXXX  and I will attach it. They didnt ask for more time there saying something totally new and false. I am not owed a refund and my truck sold for XXXX and I owed XXXX neither are true. I am starting to really wonder what is going on at wells fargo being they told you all 3 times today there still working on it. 
Lies
Product: Checking or savings account

Re : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX MA XXXX Phone XXXX On Friday, XXXX XXXX I got a text from Chime asking if I had changed my Password. I call Chime and informed them that I had not and that all the transactions that had just taken place were not mine. 

The hacker had gained total control over my acct. changing all my information. Thus blocking me out of my own acct. 

Chime requested I submit proof of my identity which I have over 12 times as of today. 

The only communication chime has had with me is me calling them and requesting they address this issue and replace the XXXX taken from my account. My email go unanswered. 


I have submitted all the information they have requested but as of today I am still locked out of my acct and have no money. 

Please help me get my money back. 


Regards, XXXX XXXX
Product: Debt collection

Received in the mail today a big packet of papers from a law office named Velo Law Office, the papers contain a " First Interrogatories, Request for Admissions, Request for Production '' with my cities Clerk of Court letterhead and a " case number '' from the courts also. This packet also included a 63 page " Civil Complaint '' and " Plaintiff initial Disclosures ''. I went to my cities Clerk of Court website and searched for this " case '' with the case number listed on the pages and no such case exists in XXXX XXXX XXXX. This " debt '' is almost 7 years old ; I have not been contacted regarding this debt at all until today.
Product: Checking or savings account

XXXX. I went to business/wellsfargo making a deposit on XXXX $ with a cashiers Check of {$900.00}. The monetary amount was stolen.i requested every bill that if XXXX and XXXX to tb returned and the tell be counted. When they decided to close my account and have disconnect the pin pad.
Product: Credit reporting or other personal consumer reports

CFPB XXXX TransUnion XXXX XXXX Subject : Missing Information on Credit Report Failure to Investigate Complaint : I am filing a complaint against TransUnion and XXXX for failing to maintain a complete and accurate credit report. I discovered missing credit-related information and requested an investigation to determine if it was due to fraud, suppression, or reporting errors.

Under the FCRA ( 15 U.S.C. 1681i & 1681e ( b ) ), credit bureaus must ensure accuracy and conduct reasonable investigations. TransUnion and XXXX have failed to verify or correct the issue. 

I request that the CFPB investigate and ensure : A proper investigation is conducted. 
Any missing data is verified and restored. 
My credit report reflects complete and accurate information. 
This failure has harmed my ability to assess my credit history. Please take action to enforce my FCRA rights. 

Complainant Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Date : XX/XX/year>
Product: Debt collection

I noticed multiple inaccuracies in my credit report, including accounts that I did not open. Please remove these fraudulent entries immediately.
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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$770.00} 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This " credit union '' Factual Data, XXXX, CO XXXX XXXX XXXX XXXX XXXX Has pulled three hard inquires on my credit report without my permission. I have not applied for anything for years. The dates were as follows XXXX, XXXX XXXX Then XX/XX/XXXX and again XXXX, XXXX XXXX. I have never heard of this place and never gave permission to run my credit.
Product: Credit reporting

A name on my account with transition is fraudulent. The name is XXXX XXXX XXXX. I know nothing of this person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, experian and the ftc unknowing that I have been a victim until my life been impact my life health and job. to be emotionally mental broken down and tired of these company when I 'm a victim
Product: Credit reporting, credit repair services, or other personal consumer reports

The Following Personal information appearing on my report are incorrect. Also, the following inquiries appearing on my credit report are unauthorized. I have no legal obligation with these companies nor inquired for anything as well as I have never signed any papers authorizing these inquiries.. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : RETIRED XXXX Date Updated : XX/XX/XXXX RETIREDXXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

ORTFOLIO RC ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX ) BALANCE : {$640.00} STATUS : DEROGATORY ACCOUNT # XXXX Contact collectors with dispute letter and identify theft affidavit there no responds.
Product: Credit reporting or other personal consumer reports

I saw an unfamiliar collection on my credit report and needed validation.

I mailed a letter to all 3 credit bureaus asking to verify this collection. They responded verified.

I mailed a letter to the 3rd party collection asking for validation of debt. They never responded. My question is how did the credit bureaus verify with them and i cant get a response back from my " CERTIFIED LETTER ''? The FDCPA states that they have to provide this information. FCRA states that the credit bureaus must provide the method of verification if requested. I asked them for that as well.

In the attachments you will see that the credit bureaus received my letter, per the updated status. Also, the certified mail to the collection agency.

PLEASE DELETE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I reported to Transunion that data was missing from my Credit Report and that such missing data negatively impacted my Credit Scores. Transunion responded that I should have the creditor report the data to Transunion. I responded the data had been transmitted and appeared on the reports of 2 other credit reporting bureaus. Transunion informed me that there was little or nothing they could do. 

I added a statement to my credit report indicating that an additional {$74000.00} in Available Credit was not being reported by Transunion and that failure to do so was negatively impacting the reporting of ( XXXX ) Available Credit, ( 2 ) % Credit Utilization, and ( 3 ) Total Credit Score and XXXX Score. 

I feel T/U should either report correctly or not at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY XXXX ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; XXXX XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balance {$13000.00} ; XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$8300.00} ; XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Product: Mortgage

Bank XXXX XXXX XXXX is reporting fraudulent information to the credit bureau. XXXX XXXX XXXX reporting fraud to the credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the complaint in continuation to an ongoing Complaint under Id XXXX. Following XXXX XXXX suggestion on getting in touch with my Credit Advisor aka my bank WELLS FARGO. I had contacted their XXXX XXXX department at number XXXX on XX/XX/2021. I explained the issue to them on what information do they share to the bureau and why my score has been dropping constantly instead WELLS FARGO informed me that I need to get in touch with a Financial Advisor. When I asked for more information - Are they XXXX? Do they have any names I could go to for this info.? Do I find them via XXXX search? Are they 3rd party? 
WELLS FARGO representative had no definite answers and left me more clueless than I had been when I first called. Their answer was they report on time payment info to the bureaus and rest is between the bureaus and the financial advisor. 

How do I navigate from here to learn about my own score calculations?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I don't recognize these inquiries listed below at all, and I need all of them removed from my credit reports. In Accordance With the Fair Credit Reporting Act the Inquiries listed below are on my credit reports and violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. 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. 15 U.S.C. 1681a-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

MY ACCOUNT AT BAN OF AMERICA WAS USED FOR FRAUD WHEN SOMEONE I DIDNT KNOW SENT MONEY TO MY ACCOUNT THEN ALSO TOOK IT BACK MAKING MY ACCOUNT NEGATIVE XXXX I HAVE WENT TO THE BANK SEVERAL TIMES TO SPEAK TO SOMEONE TO SEE IF THEY CAN TRACK WHO DID IT AND MAKE A REPORT WHICH I DID DO WITH THE POLICE, THEY DID NOTHING AND COULDNT HELP ME.I THEN CLOSED MY ACCOUNT WITH THEM FOR THE REASON THAT THEY DENIED ME HELP AFTER SOMEONE MANAGED TO ACCESS MY ACCOUNT WITH MY PEROSNAL INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I decided to purchase a jet ski for summer fun my salesman told me that in order to get it financed I had to get my credit report pulled. He pulled my credit report and I was in deep shock on all the items listed on my report that did not correspond to me. Could you please remove those items from my report. 

XXXX XXXX XXXX XXXX {$950.00} XXXX/XXXX  XXXX {$150.00} US DEPT OF ED/XXXX  XXXX {$15000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} XXXX   XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

A few months ago, I called JP Morgan to request a deferment on a months payment. They agreed to the deferment and told me they were going to send out a letter for me to sign verifying the deferment. I never received the letter and a few weeks after I requested the deferment, they take two car payments out of my account Causing overdraft and stealing my money of {$500.00}. I called them so upset and they say they will return one of my payments to rectify the situation. They then send me a letter two weeks later and I know they deliberately waited that much time so they can create the excuse From the letter they sent me stating that they were not going to reimburse my payment because that would put me in arrears for my loan. I have been in such financial hardship because of that payment and fees they stole out of my account and refused to give back so that I could catch up on my finances. now that I have fallen behind on my payments, they sent me a letter stating that they were going to repossess my car for failure to pay my car note. This company is a scam and they are fraudulent. They have caused me hardship and distress and I dont appreciate their stress And threats. I need my car as it is my work vehicle and only means of financial support
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported accounts and inquiries that were fraudulent but I get no results or even response from the bureaus.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate personal information on my credit report from TransUnion. The address listed '' XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX '' is not associated with my residence. The inclusion of this incorrect address is negatively impacting my credit profile. I request that this inaccuracy be removed and that my report be updated with the correct information. Please investigate this issue and correct it in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this complaint is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act.