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

Dear Sir/Madam : My name is ( Name intentionally omitted as instructed ), I am an account holder of Wells Fargo Bank and I am having great difficulty with locating my receipt to show that I purchased a XXXX XXXX dollar cashiers check or money order from Wells Fargo Bank located at XXXX XXXX XXXX XXXX, New Jersey XXXX. I do not remember the exact date of purchase, however I do know that the cashiers check or money order is made payable to XXXX & XXXX XXXX. 

In addition, I remember where I was standing inside of the Wells Fargo Bank when I purchased the cashiers check or money order, it was to the far left, and the teller was a female. The cash was brought to the bank and it was not taken directly from any of my accounts. I also remember vividly hand delivering the cashiers check or money order to XXXX XXXX, unfortunately, he is unable to search his bank history to try and locate the deposit. At the time I purchased the cashiers check or money order, I was driving a XXXX XXXX that I purchased on or about XX/XX/XXXX. Thereafter, I traded my vehicle in on or about XX/XX/XXXX for a XXXX XXXX. Therefore, the cashiers check or money order was purchased from Wells Fargo Bank during that period. 

In conclusion, I have spoken to representatives of Wells Fargo Bank in regards to this matter and I advised them, not many people come inside this particular bank and purchase XXXX XXXX dollar cashiers checks or money orders. In addition, I have absolutely no idea why this transaction is not showing up on my account. I advised them that Wells Fargo Bank has cameras and I am almost certain there were many cameras present the day I purchased the cashiers check or money order. Therefore, I should be on video camera buying the cashiers check or money order and counting my money prior to giving it to the teller. 

In addition, I have purchased dozens of cashiers checks or money orders made payable to XXXX & XXXX XXXX. Therefore, Wells Fargo Bank or the investigating authority can look, see where the cashier s checks and money orders are being deposited or cashed, and have that institution provide a copy of the cashier s check or money order and a receipt showing that the cashier s check or money order was either cashed or deposited into an account. 


Sincerely,
Product: Payday loan, title loan, or personal loan

I have a consolidation loan with One Main Financial. On XX/XX/XXXX I called and requested that my due dates are permanently moved to the XXXX of each month. I spoke with a XXXX XXXX XXXX who advised me that it would be no problem. I just needed to sign the forms via E-Signature. I did so immediately. On XX/XX/XXXX they attempted to take the money out and since I didnt have the money it did not clear and I was charged {$30.00} from my bank for insufficient funds. I called on XX/XX/XXXX to see what happened and make sure my payment was made for XXXX. The branch manager, XXXX XXXX, out of XXXX Oregon was rude, condescending and not helpful at all. He said you wouldnt refund the {$30.00} even though it was their mistake. I proceeded to agree to the one time payment of XXXX. Today, XX/XX/XXXX I noticed that I was charged XXXX twice ( 2 separate transactions ). I called and spoke with XXXX XXXX again who was even more rude this time and stated they didnt see I was charged twice. I proceeded to email screen shots of my bank statement and called right back. XXXX XXXX advised me that things happen and he would submit a reversal and says hopefully you can get your money back in the next 10 days. 

This is a UDAAP violation and has put me in a serious financial issues. I need my money for my rent and this company is essentially taking my money without authorization and not even saying they will get my money back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : This letter is a formal letter of complaint that According to the FCRA S. 609.a1a you are required by law to verify through physical verification of any and all original signed contracts ALL accounts that you post on a credit report otherwise anyone paying you for your debt is probably fraudulent. I demand to see physical verified proof REMoved entities from my credit : THESE Negative credit Reports : XXXX, XXXX, XXXX, and all secondary credit reporting especially and equal to ALL XXXX Accounts, Capitol One, Kohls, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX EaCH account closed and charged off and or set in collections should be removed Immediately By FCRAS 609 a1a And removed from Credit report Immediately.

Furthermore, This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : What the money you say I owe is for.

o Explain and show me how you calculated what you say I owe : o Provide me with copies of any papers that show I agreed to pay what you say I XXXX : o Provide a verification or copy of any judgment if applicable : Identify the original creditor : o Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : o Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : o Violation of the Fair Credit Reporting Act o Violation of the Fair Debt Collection Practices Act o Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice of Intent to Sue and Opportunity to Cure Refer to U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. In response to complaint # XXXX filed with the CFPB filed on XX/XX/XXXX against Portfolio Recovery Associates , LLC ; I am dissatisfiedwith the handling of my complaint. 

XXXX. Portfolio Recovery Associates , LLC did not address or fulfill all listed demands, requirements and obligations necessary to satisfy my concerns and stipulations regarding the fraudulent account they are actively furnishing to each of my consumer reports. 

XXXX. Portfolio Recovery Associates , LLC explicitly states in their response : " XXXX is required to validate the account. We have no record of a dispute being received in relation to our initial notification letter. '' This is in fact an outright lie. I filed my initial complaint with the CFPB on XX/XX/XXXX and given complaint # XXXX was in fact received by XXXX. They responded on XX/XX/XXXX. This complaint also included a copy of their dunning letter dated XX/XX/XXXX. I have attached another copy to jog your memory. 

XXXX. I also sent a XXXX complaint via the CFPB on XX/XX/XXXX under complaint # XXXX ; I have also included a copy for your review. 

It is apparent that XXXX is furnishing blanket repetitive statements in response to consumers who file complaints against them using the CFPB 's platform as a government enforcer, XXXX holds no regard for following or adhering to Federal Law or judgements as outlined in CFPB XXXX Portfolio Recovery Associates , LLC, case no. XXXX. 

XXXX. XXXX has once again failed to properly verify this alleged debt and continues to violate my consumer rights and federal laws by continuing to report this account to each of my consumer reports. They are willfully and intentionally causing harm and injuring me as a consumer. 

XXXX. In order to verify a debt as Portfolio Recovery Associates , LLC has previously claimed they have done, they are asserting, confirming or substantiating by oath or affidavit. Providing copies of statements is not proper verification or validation of anything. 

XXXX. Refer to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I demand immediate removal of this fraudulent account from all consumer reports, permanent deletion and no further harm or injury to my person or financial well-being as a federally protected consumer.
Product: Credit reporting or other personal consumer reports

This is a list of all hard inquires that are reporting to my Experian, XXXX, and XXXX which is in violation of my privacy rights under the Privacy Rights Act of 1974, 15 USC 1681 permissible purposes, also 15 USC 6802 and 15 USC 6805 disclosing of personal information. The companies stated below and also XXXX, XXXX, and Experian all broke the law and need to be held accountable for their illegal and unlawful actions. None of the companies listed below were given written consent by me to obtain my information or disclose it. I have attached my credit report as proof of discrepancy on my credit file, all three credit bureaus are reporting different information, some are reporting specific hard inquires and the others reporting the other ones which is in violation of 15 USC 1681, inaccurate reporting on my credit file, the reporting are not matching up and every hard inquiry needs to be removed immediately as they each are subject to {$1000.00} fine per each violation. I have did my due diligence of complying with the law and filing an identity theft report with the irs that has been filed which I have attached a copy of that document as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

So I paid off my XXXX XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off discover card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with XXXX XXXX XXXX nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying I didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax stating that the law on medical debt has changed. XXXX XXXX XXXX has a medical bill in the amount of {$480.00} on my credit report. From my understanding, medical debt that is under {$500.00} is supposed to be removed from my credit report as of XX/XX/2023. This did not occur. I sent a letter to Equifax and I did not hear back. I sent a letter to the company and they completely ignored my request to remove the medical debt.
Product: Credit reporting

A few years back I discovered a tax lien being reported on my credit reports from the XXXX ( XXXX ) resulting from an Employment Insurance charge for {$27.00}, unpaid, for mu business. They also added a {$100.00} penalty for passing the payment deadline totaling {$120.00}. I turned this over to my accounting firm and they contacted the XXXX and found that the error was on their part for entering data into their database incorrectly. I received a confirmation letter of all of this from the XXXX and forwarded the documentation to all ( XXXX ) credit agencies. Immediately, XXXX and XXXX removed the item entirely from my credit report and there is no reference of it at all. TranUnion has been unwilling to do so. They continue to show the lien as " paid '' and will not remove it from my credit report even though there has been several attempts to persuade them to do so. The lien was never paid and no money changed hands due to the error on the XXXX 's behalf. 
The reason I keep pushing this issue is all of my XXXX credits report show not a single blemish. But, since TranUnion continues to reference this tax lien my FICO score with them is always far lower than XXXX and XXXX. I would like your assistance to insist that the lien be removed entirely from my report. 
Thank you
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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 
in accordance with the Fair Credit Reporting act XXXX Inquiry XXXX  date XX/XX/- Equifax, has violated my rights. 


Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions, both online via several Equifax online programs, paid and free services including but not limited to my.equifax.com,  Equifax Lock and Alert, Equifax premier, and via numerous telephone conversations to have my credit file unfrozen. I have spent numerous hours on the phone daily with Equifax and continue to get the run around from various representatives and supervisors and no one can unlock my credit report file due to an internal error. Their only solution is to email support as their is no one higher they can physically call. I have been unable to unfreeze my credit file nor have any representatives from Equifax for the past week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America and XXXXXXXX XXXX. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Mortgage

Bank of America kept the loan payoff I did for someone. Bank of America has had the loan holders written permission since XXXX to look into this matter. 

Instead of looking into the matter, the bank hired lawyers to lie to judges faces to cover this up. 

When I payoff someone's bills or loans I have local police keep a copy. I have the copies the XXXX Police department had on file. 

CFPB Bank of America keeping the loan payoff has nothing to do with the loan holder. 

The loan holder couldn't make Bank of America do anything with the payoff I sent. 

Not once has Bank of America said why it didn't send the payoff back to me. 

Not once has Bank of America said why it didn't apply the payoff I sent to loan.
Product: Debt collection

I reached out to AMERICAN EXPRESS to exercise my consumer rights regarding a billing error in which I never received a response. American Express is continuing to violate my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters off on XX/XX/2022. Here are my tracking numbers ( XXXX ) : XXXX. Tracking number ( XXXX ) : XXXX. Tracking number ( Transunion ) : XXXX. I want to remove personal information that I don't want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is to share my information to third parties. 

These are clear violations of my federally protected consumer rights.
Product: Checking or savings account

I have reached out to Chase bank in hopes to have the bank look into a XXXX payment that was sent to a parking company that did not provide me the service we agreed on. The bank took no action and no investigation with the merchants bank and deemed that no refund would be returned. I urge the bank to investigate further and see all the complaints against the parking company. The {$130.00} XXXX that I transferred to the XXXX XXXX XXXX XXXX should be returned as they did not hold up their side of our agreement and refuse to communicate with me. I have filed reports against them through the XXXX XXXX XXXX  and through the parking association time and time again.
Product: Checking or savings account

My deposit has not been made accessible to me on the day it should have. I choose Capital one because they advertise getting my deposit early however its been past that date. Today is the standard time to receive a deposit and I still have not gotten my money. If I was alerted earlier I could have routed my check to a different bank.There was no alert sent out until today, now I have to wait until they fix this issue. All they can say if they are having issues but that does not excuse them from not making my money available on the day that it should be.
Product: Mortgage

Banks should never be allowed to close access to online financial records and statements unless they provide you with a printed, paper copy of all removed items, along with a statement that "financial transactions" stated in such will no longer be available online as of XXXX.  This includes closed accounts, or any account associated with a closed account.  I am currently going through the process of claiming bankruptcy, and file taxes for XXXX, XXXX and XXXX.  I have never kept paper copies of my statements because it was always accessible online, until I got into financial trouble.  My main bank, State Employees Credit Union, closed my checking account, which in turn gave me absolutely Zero online access to any of my financial information, including checking account statements, tax information, mortgage payoff amounts, previous loans and credit cards, etc.  While I understand a 'closing of an account' due to inactivity, money past due, etc., a financial institution should never make it that difficult to access your own personal banking records.  The whole process of going through a bankruptcy with a potential foreclosure is hard enough, and banks should allow you some type of online access to statements required to file these documents without being further humiliated by having to go into a bank to retrieve these documents in order to secure your own financial well being.
Product: Money transfer, virtual currency, or money service

MY COMPANY HAD SOLD JEWELRY TO AN INDIVIDUAL VIA OUR ONLINE WEBSTORE. WE SHIPPED THEIR ITEM AND THEY RECEIVED EVERYTHING. THE BUYER THEN INITIATED A CHARGEBACK ON THE ITEM WE HAD SHIPPED TO THEM STATING THE ITEM WAS NOT " AS DESCRIBED ''. PAYPAL HAD AUTOMATICALLY SIDED WITH THE BUYER AND WE LOST {$980.00}. IF IN FACT THE BUYER HAD STATED THE ITEM WAS NOT " AS DESCRIBED '' THEN WHY WAS THERE NO OPTION FOR THE BUYER TO SHIP BACK OUR PRODUCT BEFORE THE FUNDS GO BACK TO THE BUYER??? THAT IS ABSOLUTE FRAUD AND PAYPAL DOES NOT PROTECT SELLERS AS THEY STATE ON THEIR AGREEMENT/TERMS. IT IS VERY UNFORTUNATE THAT PAYPAL DOES NOT CARE ABOUT THEIR LEGITIMATE SELLERS WHICH PAY THEIR FEES. YOU GUYS TAKE OUR MONEY FROM FEES AND CHOOSE NOT TO PROTECT SELLERS WHICH GIVES YOU GUYS XXXX AND XXXX OF DOLLARS?? WE DEMAND PAYPAL GET TO THE BOTTOM OF THIS OR WE WILL GET A LAWYER INVOLVED. WE HAD NOT NOTICED THIS TRANSACTION UNTIL WE WENT THROUGH OUR BOOKS RECENTLY. 

DETAILS OF TRANSACTION : Transaction ID : XXXX Purchase Total {$1100.00} USD Sales Tax {$0.00} USD Shipping Amount {$45.00} USD Handling Amount {$0.00} USD Insurance Amount {$0.00} USD Discount- {$160.00} USD ( TransactionDiscount ) Gross Amount {$980.00} USD PayPal Fee- {$28.00} USD Net Amount {$950.00} USD Invoice XXXX WE HAD SHIPPED TO VERIFIED AND CONFIRMED ADDRESS AND THE SHIPMENT WAS SIGNED FOR BY THE SCAMMER " PURCHASER ''.