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

On XX/XX/2022, ( Payor ) wrote a check number XXXX to ( Payee ) for the sum amount {$68000.00}. On XX/XX/2022, Payee made an ATM check deposit for said sum amount in question. The Payees bank XXXX XXXX  placed a XXXX business hold on the funds and subsequently the hold being lifted put a restriction on the Payees account for identification verification. On XX/XX/2022, both Payor and Payee entered XXXX XXXX  branch located on XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, Fl. XXXX, for the purpose of identification verification. Upon such verification XXXX XXXX refuse to release the funds to the Payee and informed him that his account was being closed stating XXXX XXXX no longer want relationship. 

Currently, XXXX XXXX has been in possession of the {$68000.00} in question for approximately 9 months and refuse to release the funds to ( Payee ) after identification verification was completed and without valid cause and refuse to have the funds return to ( Payor ) account upon Payees request. XXXX XXXX has an obligation to return funds not subject to fraud back to where it originated. 


However, Payor was directed by the Payees bank XXXX to reach out with Wells Fargo Bank and have the bank submit a claim requesting the funds to be returned to the Payors account. According to XXXX XXXX Back XXXX, Wells Fargo Bank has not submitted any claims requesting the funds to be return back to the Payors account. Wells Fargo Bank has an obligation to the Payor to make such request upon Payors request and has failed to do so.

Payor has made numerous calls to Wells Fargo Bank requesting that a claim be submitted to XXXX XXXX to have the funds returned to his account. Wells Fargo Bank allegedly submitted a claim requesting the funds to be returned according to their BACK OFFICE but have not provided the Payor with any documentation as proof showing a stamp date and time as to when the claim was submitted. Wells Fargo Bank has continuously relied on its response dated XX/XX/2022, stating, In researching your inquiry, we determined the issue of possible fraud on your account needs to be resolved directly between you and PAYEE, to deny Payors request in submitting a claim to have funds withdrawn from his account returned, thus depriving him of his property ( monies ) that was in trusted in the hands of Wells Fargo Bank. 

Wells Fargo Bank has willingly refused to submit any claims to XXXX XXXX requesting the funds to be returned to Payors account and to provide any documentations demonstrating that such request was made. The monies are not subject to fraud nor there exist any evident that would state otherwise. Both Banks are violating the Payors and Payees rights in depriving them of the monies without any valid cause and are abusing their power in doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a senior citizen now and have a fixed income, social security check and I also work part time and have a pension. I filled out a credit application on XX/XX/18 for an auto loan with XXXX XXXX in XXXX Ma. They sent my application to 3 different banks and all 3 denied me credit because of the following : Proportion of balance to credit lmt too high on revolving accts Amount owed on revolving accounts is too high Too many accounts with balances Too many recent credit checks I have never asked for or applied for any credit in years, so I believe the last statement is not valid. I have had credit cards for over 20 yrs. and have never missed a payment or never been late on any card. I am able to manage my money. My daughter and I own our home together and each pay half of the mortgage, utilities and food. This is how I am able to manage my money. I need a car to get to work, grocery shop errands, etc. and have never been denied credit to get a car. Currently I lease a car and it has worked out great for me. The car is due back by the end of next month. Now, because I've been denied credit, I'm so afraid to go anywhere else to try and get another car. I have to have a car and I don't know where to turn or what to do .... I'm so worried and anxious all the time. My credit score on the letters says it is XXXX and the other 2, XXXX. If I look online, XXXX has it as XXXX. I believe this is a good score. A car is a necessity, and if I've never been late or missed a payment, I feel I should not be denied. The following are the names of the companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I used to live in a house with my then husband., The lease was in his name, I have a copy. I moved out in XXXX and we got divorced. My ex-husband moved out in XXXX. The landlord sent us both to collections for {$3600.00}. I've tried disputing it with the credit bureaus, the landlord, and I sent a letter with a copy of the lease to the collection agency ( no response. ) I didn't get the original collection letter for me to dispute. My ex-husband is disputing the debt too for his own reasons. The debt is not related to rent owe, but for damages to the property. They kept all the deposits and 1/2 of rent. I'm trying to repair my credit, and this is damaging me although the debt is not mine. Please help me.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$630000.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5200.00}.
Product: Credit card

ulta beauty rewards credit card. I paid off the credit card in XXXX of XXXX. The payment was received but they continued to charge me interest. I was not using the account so there should have not been a balance due. I did not check any statements. The claim there was residual interest of {$3.00}. I received all information online. They are continuing to bill interest and late fees.i was never aware of a fee until XXXX when I called because I had received a notice and they refused credit any fees. I closed the account. Now they are just talking over me and not allowing me to ask any questions. The phone staff are very nice but are not assisting. This feels insensitive and illegal and should be stopped. XXXX was the manager I spoke with and she was not helpful and would not consider any reductions. I should not have to pay any interest or fees o. A account that was paid off and closed. When we pay the statement balance as a consumer we expect to have a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been on the dispute of the negative accounts and unauthorized inquiries on my credit report. I have sent countless and the inaccuracies have not been fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number
Product: Payday loan, title loan, or personal loan

Good afternoon,           I am filing this complaint on Tower Loan located in XXXX, AL. We financed a couch with them last year and have been making payments on it each month since that time. It will be paid off in a few months. However, when we called to get a copy of the payoff information we were told that we had a few late fees. When my husband asked about the 10 day grace period we were told that it was 10 actual days on not 10 business days, which is fine. However, the attitude from the employee that was given was not appreciated. He was told that he was an adult and would need to balance his accounts and pay his bills like an adult. When he asked about getting a monthly statement for said loan he was told they do not mail statements. I work in an insurance industry where we monitor insurance for financial institutions so I'm very aware of certain compliance aspects. Is it not a requirement to send a statement of some sort when a loan is in place? I just finished a compliance CE course on Friday and I'm pretty sure this topic was covered. When we asked to speak to a manager we kept getting excuses as to why we couldn't speak to someone. I have been online to read reviews and have come across quite a few of the same situations we are having. Can something be done about the malpractice issues? Or possible an audit of some sort? From my search, this financial institution doesn't appear to be regulated by the FDIC. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to send a complete credit report with all pages. As well as the credit score. I'm also filed with the Department of Justice as well as the US Attorney office
Product: Credit reporting or other personal consumer reports

I have reason to believe that Lexis Nexis is maintaining information on accounts associated with Identity Theft. 

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

XXXX, XXXX, and Equifax refuse to remove this invalid information that I have attached. I have filed police reports, affidavits, and hired XXXX XXXX to remove without avail the DCS/Division of XXXX support record that was opened in XXXX, has a XXXX balance, is still active and should be purged after 7 years and not in XXXX. It is fraudulent and there is supporting evidence that these bureaus and other reporting agencies refuse to acknowledge as invalid, fraudulent, and should be purged.
Product: Credit reporting or other personal consumer reports

TransUnion/XXXX  failed to conduct a proper investigation of my credit report disputes, despite my submission of supporting documentation, including an Identity Theft Report and proof of payment. Disputed accounts include fraudulent accounts, incorrect balances, and inaccurate reporting. I request CFPB assistance to ensure compliance with the FCRA and resolution of these disputes.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practices, which violates 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 XXXX  in regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting

I mailed in a dispute to Equifax stating that my chapter XXXX bankruptcy was filed 7 years ago and I am requesting it be removed off of my credit report- I got a response with updated information but it is still on my credit reports- Both XXXX and XXXX have removed this from my reports.I understand Chapter XXXX Bankruptcy is removed after 7 years- I would invoke my rights and like it removed.
Product: Debt collection

I contacted speedy cash 3 weeks ago about a debt that is being reported on my credit report. The debt says I owe XXXX with a payment of {$230.00} a month. When I originally contacted speedy cash, the debt was only on transition and XXXX. I contacted the consumer reporting department and the representative that I spoke with said I would need to contact the fraud department to make sure this debt was not opened by someone else in my name. When I contacted the fraud the department, the representative said that I did not owe anything and there was nothing to dispute but he would annotate my account to note that this debt was paid. I contacted speedy gash fraud department a week and half later to see if the debt was removed. The representative that I spoke to said that she could not file a fraud case because it was not fraud and that I needed to contact their consumer reporting department I explained to her that I had already contacted them. I contacted the consumer reporting department again and the representative stated that speedy cash would update the balance to reflect a XXXX balance and that it would take a week for it to be removed. I asked the person that I spoke to for a letter stating that I did not owe anything to speedy cash and she stated that she was unsure if they could send me anything. At that time, this balance was only reflecting on my XXXX  and XXXX report. Today, I check my report, not only has the item not been removed but they also placed this balance on my XXXX  credit report. I explained to this representative that I am in the middle of purchasing a home and this balance is affecting my ability to process my loan. Can you please either remove the incorrect information from my report or provide me with a letter stating that I do not owe anything to speedy cash.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account reported to XXXX, XXXX and XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 I sent money to my brother from XXXX - using Western Union Website- to XXXX XXXX XXXX the receiving bank XXXX XXXX XXXX the money to XXXX  account this a non-profit organization who receive the money on behalf of my brother and then forward to him. Since he was not reachable when the transfer was done, XXXX refunded the money to XXXX XXXX which at the same time forward it to XXXX XXXX XXXX XXXX which is Western Union merchant processor - I have reached to Western Union, they say they would escalate but as of today more than 30 days I have not received a response My brother personally reached XXXX XXXX XXXX XXXX they provided letters reference the money was return to the agent. I tried to reach XXXX XXXX  XXXX limited looking through XXXX but the number doesn't resolve and their contact page doesn't load.
Product: Credit reporting, credit repair services, or other personal consumer reports

address is wrong on reports of all XXXX credit bureaus. updated address is provided
Product: Consumer Loan

I have paid off this loan and the company keeps adding cost to this. after I paid it off I got a letter saying that I owed XXXX, I sent them the payment and today I got another letter saying that I owed an additional XXXX. When I called them they say that they did not receive anything. They have done this to me before by not posting payments and charging me late fees. I have called them and they have straitened it out before but are now not sending title without an additional fee being paid. I do n't know what else to do. Thanks
Product: Debt collection

I recently applied for a credit line and was denied due to a recent collections. I pulled up XXXX XXXX and a new collection was added from a company called Jefferson Capital System this dent is showing opened in XXXX XXXX The original creditor for this listing is XXXX XXXX  XXXX. The loan from XXXX XXXX was prior to XX/XX/XXXX which is 6 years ago and has no payments made on it since XX/XX/XXXX. This debt was illegally re-aged and has harmed me. It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to.
Product: Debt collection

Dear WELLS FARGO AUTO ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Upon further evaluation, and looking into my Experian Credit Report as of XXXX, the following inquires have been fraudulently opened, and placed on my credit report. Putting my financial freedom, and access to financial resources at risk. 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 card or prepaid card

I was shocked When reviewing my credit report and found a Macy 's Account with a late payment in the month of XX/XX/2018, I am unsure of how this happened, I believe I made my payments as soon as I received the bill. My thought is that I never received. a bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had a data consumer breach and failed to inform me ; XXXX  XXXX Data Breach Settlement, otherwise known as In re : XXXX XXXX XXXX. Customer Data Security Breach Litigation, Case No. XXXX ( XXXX ). As a result, nothing was given to make sure my data was secure- as a result my credit score went down as a result of this data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Product: Credit reporting

The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX XXXX Experian due to their failure to accurately report my credit information, which has severely impacted my life for the past two years. 

I am devastated by the ongoing struggle with both XXXX and experian to correct inaccuracies on my credit report. This situation has profoundly harmed my life, preventing me from obtaining employment due to a lower credit score than I deserve. The inaccurate reporting is not only misleading but also fraudulent, misrepresenting my overall financial health. 

Despite numerous dispute letters and formal requests for correction, XXXX continues to report incorrect information. This has led to embarrassing situations, such as receiving debt collection letters that my mailman can see, all stemming from the mishandling of my information by credit reporting agencies. These agencies are not adhering to the standards required by law, and I feel helpless. 

Specific Issues : - XXXX XXXX Experian continues to report inaccurate information despite my repeated disputes. 
- XXXX XXXX Experian has not provided the names, dates, or contact details of individuals they spoke with during their investigations. 
- Outdated and incorrect personal information remains on my report. 
- XXXX and Experian is violating my privacy by reporting this information without my written consent as per 15 U.S.C. 1681b. 

Supporting Documents : I have attached multiple dispute letters and affidavits sent to XXXX and Experian, detailing my issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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: Credit card

Synchrony Bank applied a promotion to my account without advising me that I had a year to pay it off with no interest and that if I did not I would incur interest form the date of the loan. I log on and find a interest fee of {$1500.00}. I called they could do nothing. I find it deceitful. I should have been advised of the promotion and given the option to accept it.