23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear XXXX, XXXX XX/XX/2020 Wire transfer from XXXX XXXX XXXX GA- Depositor ( Business partner ) in the amount of ( {$150000.00} ) was deposited to my above account, BOA place a hold and eventually notify me of closure of my account.Since then i have been calling and visiting my branch to get my balance left in the account with different stories every time.

According to the sender, he went to his bank almost every week since the above date and they told him it has been credited to Bank of America ( my account stated above. I have visited my branch time without numbers with no positive result. 

I have called time without number with no result and all they keep saying is they're waiting on somebody higher up from BOA to release my money.This has not only delay my business but has brought it to stand still. 

I would appreciate it if you send me a cashier 's check at the soonest time to my business address on file for the total amount balance in my account minus any bank charges applicable. 

I appreciate your quick response.Thank you very much. 

N : B : i have the receipt of the transaction with me and will be ready to provide that upon request, thanks Sincerely Yours
Product: Debt collection

I have reviewed my credit reports and reviewed the Statute of Limitations on Debt, for the State of Virginia, and I believe debts from Capital One and XXXX XXXX XXXX can not publish balances due, after 3 years of debt. 

In this matter, I have been without permanent job and I have not been able to pay my debts. And as of this Statutes, I believe balances due must be erased from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is still based on incorrect usage %, incorrect balances and incorrect credit limit. XXXX has been submitted and they still have done damage by inaccurate XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been found out that you are not REMOVING items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a legalized response. In the event that you decide to not DELETE the accompanying items recorded beneath which are responding improperly because of fraud, I will hand my archives over to my lawyer to begin a lawful process. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$650.00} ; XXXX  Date of Inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4400.00}
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 : # XXXXXXXX XXXX XXXX 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 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: Mortgage

I love how my escrow is run now before the first of the year for 20 years they ran my escrow on XXXX now banks want there money Sooner it 's hard to believe that it 's anything positive for customer to get a bill in XXXX for something due on XXXX XXXX over the holidays besides I asked them to rerun my escrow for XXXX and they still raised my house payment what a joke how did this happen. What changed to fleece us again from banks
Product: Checking or savings account

{$190.00} was stolen from my checking account because my wallet was lost, and I provided screenshots to the bank for reimbursement with GPS location at the time of fraudulent charges made to my checking account. These funds were from my SSDI and Im dealing with food insecurity. The bank refuses to refund my stolen funds. I provided screenshots demonstrating the other denied charges the individual made. The dispute # XXXX image proof has been ignored, and I have not received my funds back. This bank used terms such as, if eligible for stolen fund reimbursement my money was my protected by an FDIC bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$8500.00}, {$1000.00}, {$1300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

-- PERSONAL ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After twice writing to Experian and XXXX asking for them to adhere to federal law sending me physical proof of these alleged debts they 're reporting, both times they have NOT and keep reporting these two fraudulent accounts as this infringes upon my consumer rights and also are violating my civil rights.The alleged debts they are reporting are from some company named XXXX XXXX and XXXX in the amount of {$4800.00} and XXXX XXXX with a paid charge off of $ XXXX.I have also reached out to the both of them to no avail.I thought Experian and XXXX were suppose to physically verify alleged debts before reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I called Experian credit reporting after I noticed an incorrect address in my file. They refused to remove the incorrect address. They said a creditor was reporting this address in which I never gave such information to this said creditor. 

I asked them to remove this false information and Experian would not comply and help me..So now I am contacting Your agency for help
Product: Debt collection

This company : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, has placed derogatory marks on my credit reports of {$250.00} and states that I tried to rent a property in XXXX and owed them money for some kind of review. My social security number was leaked during the XXXX leak and since then I've had to freeze my credit. I don't know how someone in XXXX is impersonating me and don't think that this should reflect negatively on my credit report because this company didn't do their due diligence in verifying that person 's identity. They have my old address from over 5 years ago listed but I've lived in XXXX, FL my whole life and never moved or attempted to move to any other city or state. 
In order to remove this they now want a police report from me regarding the XXXX leak and this incident and to go to a notary to verify that I am who I say I am, and images of my driver 's license, but apparently didn't require any of this to place this derogatory mark on my credit or request it from that person who impersonated me. I'd like for them to remove this from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 : I also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I opened a Venmo account, provided the profile information ( email, XXXX, XXXX, phone number ) and attempted to add payment information but they froze my account. This is before any transactions were made. I opened a support case with them and was told " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. '' I have not had any activity with them but now they are saying I have to upload a picture of my government ID to unfreeze the account. I think this is disparate treatment when other Venmo users do not have to provide such information. And I think its a security risk to provided them with a copy of my documents with no assurances that they will properly safeguard the information.
Product: Debt collection

On XXXX XXXX I purchased a washer/drier from Sears using their card managed by CITI {$1400.00} My account cycle closed on XXXX XXXX with a due date of XXXX XXXX with a balance of {$1400.00} and min due of {$27.00} On XXXX XXXX I returned the original washer/drier and was credited {$1400.00} ( the entire balance due on the then current statement. On XXXX XXXX I also purchased a different washer drier on the Sears card for {$1400.00} on XXXX XXXX I received a call from CITI telling me to logon and review my account. I did that and saw that even though my return matching the entire balance of the last statement had been posted a late fee of {$27.00} had been added to my account. I immediately called the CITI number and reviewed what had happened with the representative who immediately credited the bogus late fee. At this point I had not even received the next statement. My account cycle closed XXXX XXXX with a due date of XXXX XXXX Last SUNDAY XXXX XXXX XXXX ) I received two phone calls from the CITI collections department claiming I had an overdue balance. I tried using their email system to get them to admit this was an error and I should not have received these collection calls. Their reply was that return credits mean nothing ( even though they wiped out the entire balance due ) and that the mim payment was still required even though I owed nothing from that bill. I will attach their last reply in the step that allows attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX/XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Vehicle loan or lease

Honda Financial Service, is the bank I have my XXXX XXXX XXXX    Finance, and has never being report to by credit on any of the bureaus, and I need this to be reported for me to be able to qualify for a house loan. I make all payments on time. I contact Honda Customer Service and they said that the bureaus don't want to accept the reports, and the bureaus said the Honda never had sent anything and that they don't denied any report because it was never sent. 
I need it update because I'm looking to buy a house and I need those installment payment on my credit
Product: Debt collection

Wells Fargo its trying to recovery a payment that I did and basically I dont have any debt with them. I just want to clarify this problem because its hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with this company. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with this company for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered
as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX BREACH - TRUSTEDID NOT PROVIDING SERVICE as promised. I signed up for TrustedID as Equifax 's offered solutions for my account being involved it the breach. My TrustedID account is fully set up, and I received an alert about my account via e-mail. TrustedID would not allow me to log in for a very long time - the portal does not work! Finally after 31 tries, it logged me in. The items appear fraudulent but it does n't offer a way to flag or report them. I tried calling the fraud/customer service line in the TrustedID e-mail and it renders a BUSY SIGNAL! This is perpetuation of the scam and breach by Equifax and is a complete failure to provide the promised service. I suspect it is affecting millions of people.
Product: Checking or savings account

( my previous complaint is the same with this one but the ally associate filed my first fraud dispute the incorrect way so another ally associate today had to fix it ) Dispute case number : XXXX On XX/XX/2024 for {$230.00} And XX/XX/2024 for {$210.00} I was charged for these transactions THAT I DID NOT MAKE I have filed a police report for these transactions
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 MONTEREY COLLECTION SV # XXXX ( 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 b ( 2 ) not state that such consumer owes any debt.

15 U.S.C 1692 C ( A ) Without the prior consent of the consumer giving directly to the debt collection agency may not communicate with a consumer in collection of any debt.
Product: Credit card

On or about XXXX XXXX, 2023 I answered an email from XXXX offering a special price on their product & I could cancel at any time. At that time it was specified that by signing up it was agreed that future shipments for {$40.00} would be sent unless canceled. 

The above statement is the problem. When I signed up, I took no notice of XXXX 's " Rules of Cancellation '', so on XX/XX/XXXX XXXX sent them an email thinking that this cancellation was sufficient. So when requested by Citi, I stated that I had no knowledge signing a subscription agreement, then later when I found that I did agree until cancelled, I reversed my previous statement. So Citi states in enclosed attachment : " due to conflicting statements ''. In stating that I did agree unless canceled I was merely correcting the statement in which I stated that I did not sign up for a subscription. Citi bases their decision on just this and not the overwhelming evidence which I sent to them. 

XXXX states that I emailed them stating that I could not locate my account requesting they cancel my subscription.This is a false statement. Attached is my email of XX/XX/XXXX telling me that they, XXXX, could not locate my subscription.So, instead of responding to the sender of this email, XXXX, they send their answer and all future emails to a very old email address never used but XXXX time several years ago that I never received. How can I cancel without their " rules ''. I tried to cancel by email every time that I refused a shipment from the XXXX which was XXXX times & received no response because it appears they were sending emails to " XXXX '' whoever that my be.
Product: Credit card

My account was closed without prior warning. I spoke with several customer service reps prior to my account being closed and not one of them informed me that it was in jeopardy of being closed. My account is current and all past due payments have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved to XXXX NC in XX/XX/XXXX and had several Chase credit cards that I was using for moving and living expenses. All XXXX accounts were current and had always been paid on time when Chase unexpectedly closed the accounts without warning or cause. On XX/XX/XXXX I sent Chase a letter asking to reopen the account in exchange for the additional consideration. In my letter, I provided XXXX offers to chase, with the first being to reinstate the accounts in exchange for the consideration which was enclosed. The second offer was to accept the consideration as payment in full. Chase accepted the payment and never reinstated the accounts. Shortly thereafter, Chase began reporting the accounts as late and eventually as charge offs. However, the accounts were settled in full per the letter sent XX/XX/XXXX and I was never late on a payment. On XX/XX/XXXX I decided to pay additional consideration to Chase in exchange for their agreement to remove the negative information reported. They again accepted my consideration checks but never removed the negative items from my credit reports. I have attempted to dispute the information with the credit bureaus as well as directly with Chase many times but they continually fail to report the account accurately. On XX/XX/XXXX I sent Chase a letter again disputing the status of the accounts and demanding validation. Chase failed to provide adequate validation and simply replied to my demand with old credit card statements. Chase also failed to report all XXXX accounts as being in dispute. On XX/XX/XXXX I sent Chase another letter demanding the XXXX accounts be updated to remove all negative items, or to correctly report the accounts as never late, paid as agreed. Today, I received more letters from Chase simply providing old credit card statements once again. These XXXX credit card accounts are negatively impacting my credit score and Chase has deliberately and continually ignored my demands to correct the information.
Product: Credit card or prepaid card

I have disputed the items several times it has not been taken cared of I have two credit cards that are secured cards I never applied for I have fraud alert on my report to call me have never been contacted bye none of the credit card company asking if I am applying for service someone had a lease in my name in another city I never lived in it's been affecting my credit scores for years now reporting deliquent when I am not please help me it's about XXXX or over in charges that are fraud
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations in
Product: Debt collection

Credit Management Co. has placed an illegal erroneous account in the amount of {$410.00} on my credit reports. It is not mine and this company is causing me immense complications and frustrations because of it. I am seeking to have it removed fro my XXXX, XXXX, and XXXX credit reports immediately. I have never had any business, ordered service, or had correspondence ( to or from ) with this company, nor the company they say they represent ( XXXX XXXX ). All my attempts to validate this debt has went without response by Credit Management Co.