23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Receiving threatening letters from an attorneys office demanding payment of a debt I did not incur. No court documents or original documents or any verifiable information relating to alleged debt provided. No outstanding debt amounts or any other information relating to this issue showing on my credit report. Letters claim that I owe a total of {$4300.00} indebtedness from two separate future receivables sales agreements that went into default on XX/XX/XXXX andXX/XX/XXXX.

I have never entered into any agreements of this type with these people.

Letters are from : Simon PLC Attorneys & Counselors XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, MI XXXX  For TBF Financial LLC Accounts XXXX and XXXX No information other than amounts of alleged debt and redacted account numbers were provided by the attorneys letter.
Product: Credit reporting

I received your partial response asking for my personal information. Name  XXXX   XXXX   XXXX  Address  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  CA ,  XXXX . Soc-  XXXX . I will attach a copy of my Experian Credit report in addition, a request for accurate validation such as Name, Address, and  Telephone numbe r of the person that validates the item in question.
Product: Debt collection

XXXX  is allowing a unverified debt to be posted to my credit report. XXXX  and Wells Fargo have not supplied documentation to prove I own this debt. 
Wells Fargo submitted a fraudulent unverified debt to the credit bureaus under my profile. 
Wells Fargo is fraudulently trying to collect on a debt that they do not have documentation to prove I owe. 
The documentation Wells Fargo has is a copy of a invoice that has a digitally imposed signature which does not match my Actual hand writin signature. Wells Fargo also supplied a proposal and agreement document as proof of the debts ownership. The documents does not have my actual signature any where on it. Again this is not my debt and no verification has been provided otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute Regarding multiple Accounts that have collection but has a past due amount or the account states its open buts it in collection
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion multiple times over the last months. I have used fax, phone and mail to dispute inaccurate items being reported on my credit report. I have also sent paperwork they required with no results in reference to the non permissible inquiries on my credit report. 

XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I DO NOT have a Fed Loan? why is this on my credit report. I have never signed paperwork for any fed loan in the last 30 years? please have this removed from my credit. I have gotten calls from them and they said I would be removed from this????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS.15 U.S.C. SECTION 602A STATES I HAVE A RIGHT TO PRIVACY. 15 U.S.C. SECTION604A SECTION2 IT ALSO STATES NO CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Bank account or service

I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Bank of America, refuses to open an investigation into my lost funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit bureaus and the creditors Well Fargo, XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) and XXXX ( Original Creditor : 05 XXXX XXXX XXXXXXXX XXXX ). These accounts are out dated and Paid in full. I have asked the bureaus and the creditors to remove/correct their inaccurate reporting. Please help. These account are incorrectly reported and impacting my credit score negatively. TY
Product: Credit reporting, credit repair services, or other personal consumer reports

NET CREDIT is reporting my account 30 days past due in XX/XX/2020 when the account is paid in full no past due more than 30 days
Product: Credit card or prepaid card

Date of tel.complaint to Wells Fargo XX/XX/2022, Wells Fargo complaint ID # XXXX, WellsFargo case # XXXX, complaint amount was for {$300.00} that was charged to my credit card by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, TEL. # XXXX, Wells Fargo denied my dispute, Wells Fargo said that because this was a warranty dispute they were denying the complaint, that isnt true, when I brought my car in for brake service I was told that the warranty didn't apply, I asked to speak to a manager and he confirmed that the warranty didn't apply because brakes were considered a wear item, similar to tires and windshield wipers but he considered me a good customer and cited the fact that the car was purchased at XXXX XXXX and he asked me what it would take for him to make me happy, and I replied to get my brakes fixed at no charge and I assured him the next car I bought would also be from XXXX XXXX, he agreed to my terms for no charge for the brake repairs, but when I went to the counter to get my keys I was told that there was a {$300.00} charge and that they wouldnt give me my car keys until I paid the {$300.00}, though I objected I had no alternative other than to pay the {$300.00} as I reside XXXX miles away from XXXX XXXX and I am an XXXX XXXX XXXX man with multiple health problems, I have a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have had multiple recorded tel. conversations with Wells Fargo, the last one was with a XXXX named XXXX on XX/XX/2022, at XXXX am on tel. # XXXX, he told me that Wells Fargo was denying my claim because I had signed the receipt and he said that he had documents stating that the {$300.00} charge was because of some type of warranty insurance, I told him that I had never seen or been given any document saying that, I told XXXX that the only documents I have that are related to the brake repairs done on XXXX, were the XXXX XXXX invoice that states no charge for the entire brake repairs and the CC receipt, he said he would email me the documemts that he refered to that he received from XXXX XXXX, as of now he hasn't sent them to me, he hung up on me before I could ask more questions so I called and spoke to a supervisor named XXXX on XXXX, I asked her if I could appeal Wells Fargo denial of my dispute, she said no but that I could send in a request within 10 days for a review of my dispute, I will do that tomorrow by faxing it to Wells Fargo from their XXXX XXXX, FL XXXX XXXX branch, the fax # is XXXX. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

No one contact me about this debt. I do n't even know what this debt is.
Product: Debt collection

To. the Consumer Financial Protection Bureau Greetings, My name is XXXX XXXX I want to file a complaint against the USAA Federal Savings Bank and to the XXXX for collecting a Debt that I do not owe and unrecognized Account that I never knew, base on my knowledge I only owe XXXX Debts which is settled by the Debt Settlement Company that I enrolled through the Debt Settlement Program the first Debt was settled through XXXX XXXX XXXX XXXX a Secured Credit Card Account. # XXXX which I paid in the amount of {$5800.00} both Me and the XXXX XXXX XXXX XXXX agreed on the settlement letter. and the other Debt was Unsecured Loan with Account # XXXX which is Settled through XXXX XXXX. both Me and this Collection Agency Agreed which I paid in the Amount of {$2100.00} through the debt Settlement Company that I enrolled. can you please Help me to Investigate this case. so that this Bank and the Collection Agency stop their unfair Collection Tactics. 

Sincerely XXXX XXXX
Product: Checking or savings account

Amount frozen : {$6500.00} Squareup XXXX Close My Account Funds have been frozen for more than XXXX days and the fund status is still pending. 
I went through the online customer service on their website to activate the withdrawal feature and the customer service agent said that the higher ups refused to let them release my funds!
Product: Checking or savings account

i have a hsbc checking accout.

they supsend my account without any reason. 


call the customer hotline can not provide any soulution. 


my account just use for regular check deposit and payment. 

no any cash transtion. and they block my account withour any reason.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Acct. Name Acct. # 15 USC 1681 section 602 A, states I have a right to privacy 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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.
Product: Vehicle loan or lease

Received an letter from Ally Bank regarding a application for a loan from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX about a loan for a XXXX XXXX XXXX XXXX XXXX XXXX. Dated XXXX XX/XX/XXXX No amount was disclosed in the letter XXXX XX/XX/XXXX contacted Ally Bank did not have any additional information when called and XXXX XXXX did not answer my call I do not live in XXXX and did not attempt to purchase a vehicle from this wholesale agency
Product: Mortgage

Sir/Madam : I had requested & was provided a FHA Partial Claim. I signed & had notarized, and returned the Claim as required. Home Point Financial then had it legitimately recorded by my County of residence in XX/XX/2020 ( see attached FHA Partial Claim PDF ) Now I am being told that Home Point Financial did not follow through with the Lien Holder, HUD and it's apparent they received no money in exchange for covering the 3 deferred payments I was granted. 

I was not informed of their reckless actions by Home Point Financial themselves, but by the new mortgage servicer, XXXX Mortgage, who was never informed by Home Point Financial of the recorded Partial Claim. 

Home Point Financial should either : A ) Request the Lien be removed by the XXXX County recorder, or B ) Follow through with what was already agreed to in writing & remit monies to the new Mortgage Servicer, XXXX Mortgage. 

I strongly believe this matter should be taken very seriously. Filing a Lien, even though it was requested by the borrower, and never finishing the process, yet having it recorded by the County as a legitimate Lien institutes fraud on their behalf. 

Please forward this complaint to their respective department for a quick resolution. 

Thank you in advance. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

For unknown reasons my Fortive credit card account was frozen. I did not know it was frozen since I had not used it in several days. After several failed attempts to make payments before the statement date I called at the last possible moment before the close of business. I was told that my payment for {$700.00} to bring the statement balance from XXXX % usage to 10-15 % usage. This payment was never processed. The next day when I called to fix the situation I was told that the card was frozen because of the excessive payments that I had made. Although I was far from overdrawn and not late on my account payments, the account was frozen. I was prevented from making a payment to force a significantly higher reported statement balance to the credit bureau. Their abusive actions are and misuse of the control of my funds is mind boggling to say the least and quite possibly very detrimental to the credit I am rebuilding. This has to be illegal to indiscriminantly interfere with a person 's financial well being. when I asked what could be done, I was told " nothing ''.
Product: Checking or savings account

On XX/XX/XXXX I received a {$20000.00} deposit from XXXX XXXX for the XXXX XXXX XXXX. On XX/XX/XXXX I went inside the branch to withdraw {$10000.00} the teller discriminated and initiated a fraud alert on my account by contacting the back end office. 

I was told at that time in order for me to receive my funds I would have to email the fraud dept. a copy of my article of incorporation and taxes. On XX/XX/XXXX I provided by email a copy of my office lease, current business phone bill, merchant account billing statement, XXXX & XXXX tax returns, a purchase order statement, and checks cashed by Capital One on my behalf from the business because I write myself checks every week. 

All my accounts were restricted and I was not allowed to withdraw any funds which was totally illegal, at that time Capital One could have exercised their at will ability to close the other accounts but should have NEVER not allowed me access to the other accounts. 

I was told that someone would investigate the documents and get back to me. On XX/XX/XXXX I called to follow up and have being done so ever since by calling and stopping into the branch and no one has been able to assist me. The teller says they can not verify my documents or touch my account because the case has been assigned to an investigator who clearly isn't doing much investigating. 

On XX/XX/XXXX Capital One accepted the 2nd draw of my XXXX loan although they have informed me several times that the account was closed. They should have rejected the deposit, but instead they accepted the deposit and still has me restricted to access my funds. 

Everything that Capital One is doing is illegal. I am legitimate business owner and I get that there are people taking advantage of this loan but there should be measure put in place to investigate and release the funds to consumers and business owners like myself who pay taxes and deserve this relief!
Product: Vehicle loan or lease

In XXXX, XXXX, my son and I leased a XXXX XXXX XXXX and Ally Financial financed the deal. The lease was for 24 months @ XXXX miles per year and we purchased XXXX additional miles at the time of the lease inception, allowing XXXX miles per year or XXXX per month. Any unused miles were to be reimbursed at XXXX cents per mile up to XXXX miles. There were 22 miles on the vehicle at the inception. The vehicle was due to be returned in XXXX, XXXX, however, Ally offered lease extensions up to 6 months. They advertised on their website at the time that due to the pandemic, you could extend the lease and that there would be no changes from the original contract. I contacted Ally several times before extending the lease to ensure that would be the case and to verify the mileage we would be allowed. In one conversation via chat, I was able to save the chat indicating that what was on the website was accurate. SEE ATTACHED. We decided to extend the lease by 4 months. We turned the vehicle in to the original dealer ( XXXX XXXX ) in XXXX, Ohio, on XX/XX/XXXX with XXXX miles on it. According to my calculations, we should have received a refund for unused mileage in the amount of {$960.00} ( see below ) Miles allowed after the four month extension : XXXX ( XXXX months ) =XXXX miles XXXX used ( odometer at turn in ) : XXXX miles Miles purchased and not used : XXXX miles XXXX XXXX per mile = {$960.00} Ally for unexplained reasons issued a refund of XXXX. I have contacted the company numerous times to see why they issued the refund that they did. I have talked to individuals in the their lease termination department XXXX ( XXXX, XXXX ) and left messages for their supervisor ( XXXX ). Never got a return call. XXXX referred me to another department, ( XXXX ) and I spoke to XXXX. She referred me XXXX XXXX and I spoke to XXXX ( XXXX XXXX ) two times ( and emailed twice as well ) who claims she referred this matter for resolution. I am no longer willing to invest any more time and wish to file this complaint. I realize the amount of money is not great, but the money belongs to my son and I want him to receive it or at least an explanation why he did not get refunded the amount that we calculated. I was able to determine that they added XXXX miles to the original allowance ( total XXXX ) and refunded based off of that number, but that is an entirely arbitrary number and not one that could be arrived at if going by the contract. My frustration with this company is extremely high based on the number of the attempts I have made to resolve this and their entire lack of response. It seems their attitude is take it or leave it. I hope you are able to help.
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 XXXXXXXX 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

My name is XXXX XXXX XXXX. I had a loan no XXXX with M & T Bank ; I requested a payoff by e-mail because is one the option I have to get the pay off. Bank e-mail me back asking me to submit my request in writing. I fax my request in writing. When I received the payoff the fee for the letter was a {$100.00}. I called customer service and request fee to be waived because I was not informed for cost to produce the letter. Under Fair and Responsible Lending and Servicing I was not informed of any fee so I could not make an informed choice. I am a XXXX with thick accent, when I called customer service ; I was treated like a second class citizen for customer service representative making me feel like a second class person. I believe that customers have the right to be informed of any fee that we have to pay before our request is completed. I really believe that M & T bank do n't like to deal with people with accents or other ethnicities.
Product: Debt collection

This compant has failed to send me proper information proving that the debt actually belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX  I was notified by my bank that I received derogatory credit reporting from Dynamic Recovery Solutions. I have never received correspondence and I am not familiar with this company otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several Unauthorized Inquiries Appeared on my consumer report
Product: Checking or savings account

I opened this HSA through my employer and started having money deposited directly from my paycheck effective XX/XX/XXXX. I have not been able to access my account online at all to manage my money or change my investments, so my money is currently sitting uninvested. I get the same error message on their website saying that their service is temporarily unavailable and that I should contact customer service. I tried speaking with customer service more than 3 times and I have 3 different reference numbers from calls that ended with no resolution. The customer service agents walked me through multiple troubleshooting steps ( clearing cache & cookies, using different device, using different WiFi network, updating XXXX XXXX ID password, using their app, etc. ) and I did them all multiple times with no change in the error message. 

These are the ( approximate ) dates and the reference numbers : XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The last agent that I spoke to on XX/XX/XXXX told me that somebody from the help desk would be reaching out to me with more information but nobody has. At this point I would rather move my money out of Optum to a different HSA but the agent told me that they will not waive the transfer fees, even though I have no access to this account.
Product: Checking or savings account

5/3 bank mobile banking app my log in info has been changed so many times they block my access to log in and block my card ( debit ). Until I call and @ nset security questions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint requesting to the Credit reporting Agencies to remove or lift the Security Freeze from my Credit File. I ordered an updated copy of my Credit Report and I noticed the Security Freeze and Fraud Alert from my Credit File and I am now requesting that the Credit Bureaus remove the Customer statement from my Credit Report indicating the Fraud Alert and Security Freeze.
Product: Credit reporting or other personal consumer reports

American Express is not reporting my platinum card to XXXX which is negatively impacting my XXXX credit score..
Product: Credit reporting or other personal consumer reports

I have submitted a report to the FTC regarding the unauthorized credit inquiries, which are a clear violation of my consumer rights. 
I have disputed these inquiries with TransUnion, providing evidence and documentation to support my claim that I did not authorize these inquiries and that they are inaccurately listed on my credit report. 
Despite these actions and the clear provisions of the FCRA, TransUnion has failed to remove the unauthorized credit inquiries from my credit report, stating that they are accurate. This response is not in compliance with the FCRA, and it undermines the protection of my consumer rights. 

I am writing to request that TransUnion takes immediate and corrective action to address this issue in compliancewiththeFCRA. Attached you will also find my ID as proofofmyidentity and my Proof of Address.