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

At this point, Ive closed my account with Wells Fargo, but from XXXX while I was a debit card account holder they fraudulently charged me multiple overdrafts in the same day on single transactions. They also would move posted transactions from previous weeks and days to today, yes posted ones, not pending ; then overdraft fee me anyway as if my money somehow disappeared to cover it originally when it had posted days prior. The other odd thing is that their extra day grace period does nothing. From Sunday- Friday of last week I was on the phone with them every night after I came home each night because Id go to the bank, deposit XXXX dollars to make my account positive or XXXX to make it positive, go to bed with a positive balance and awaken in the morning to XXXX overdraft fees because my ATM deposits did not post and were pending. Meaning even if I submitted money into my overdrawn account to make it positive, by XXXX XXXX  XXXX XXXX, I would still be overdrawn the next morning even using their own bank ATMS. I have never had another bank day that Cash ATM deposits at one of their own branches is pending. Ive also never had that with a XXXX  transaction but it was happening on a day by day basis leading me to have to close my account Friday to avoid them overdrafting me again the next morning. I probably lost XXXX bucks or more in that week and they were incessant that they could not waive the fees even though I was meeting their policy to avoid them. It caused me such immense stress I had trouble performing my job everyday and my mental health declined. I lost an entire paycheck to them back in XXXX of XXXX. They seem to be a scam hiding behind a big banks name. If you check the attached screenshots youll see based on the dates of the emails that they were overdrafting me every day, even though they sent the extra day grace period I was either XXXX  or making an ATM deposit to make my account positive that night before waking up to a negative balance again due to just fees, no new transactions. They were doing it to me every night as you can observe for about XXXX days. Screenshots of the phone calls can be found as well. They would retroactively move around posted transactions on the previous day to change my posted balance by the ending of the night before, when on my end it showed positive. So where did my money to initially cover those posted transactions go as well? For example : if they overdraft feed me {$35.00}, and my account is negative XXXX I put {$50.00} in via XXXX or ATM to make myself positive, I go to sleep with a {$0.00} balance ; I was waking up to find they would take posted transactions from days or weeks before and move them to the prior day where my {$0.00} balance I went to bed with now shows as negative for the end of that day. Leaving me with overdrafts in the morning. Even when I met their extra day grace period.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. Here are the disputed items that did not belong to me. XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$15000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$25000.00} ; XXXX  XXXX XXXX Opened Balance XX/XX/XXXX {$4100.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$390.00} ; XXXX  XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$440.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3300.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

( JUST SENT DISPUTES IN THE DISPUTE LAST WEEK, A GOT AN EMAIL FROM EXPERIAN. ) ( IN THE EMAIL IT SAID THAT I REQUESTED INFORMATION ON MY CONSUMER REPORT BE BLOCKED BY BECAUSE OF IDENTITY THEFT. ) ( I DID NOT ASK THAT MY INFORMATION BE BLOCKED NOR AM I WANTING TO REPORT IDENTITY THEFT. ) ( I REQUESTED IN THE DISPUTE LETTER THAT THE INACCURATE ACCOUNTS BE DELTED FROM MY CONSUMER REPORT BECAUSE THEY ARE ALL INACCURATEAND NOT TRUE. ) ( EXPERIAN IS JUST STALLING FOR TIME. ) ( I SENT IN A VALID DISPUTE WITH MY ID, SS CARD AND PROOF OF ADDRESS. ) ( AGAIN, I AM SENDING THIS DISPUTE FOR THEM TO READ CAREFULLY AND DISPUTE THE INACCURATE ACCOUNTS I HAVE IN THIS COMPLAINT SO THEY CAN BE DELETED BECAUSE THEY ARE INACCURATE AND ARE A VIOLATION OF THE FCRA. ) ( THATS ALL AND NOTHING ELSE. DIPUTE AND DELETE THE ACCOUNTS I HAVE IN THIS COMPLAINT. ) ( IF YOU DO NOT, I WILL TAKE LEGAL ACTION AGAIST YOUR COMPANY IMMEDIATELLY, )
Product: Credit reporting or other personal consumer reports

The information on my credit report is inaccurate. These accounts were created by someone else without my knowledge. The following accounts should be erased from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX, XXXX and transunion keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX Account XXXX XXXXXXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604A Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my XXXX  WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite two previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX, XXXX. XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00}, XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, Portfolio Recov Assoc add a derogatory marks on my credit reports per XXXX  and XXXX. 
In the XXXX  report the original creditor as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, opening date XXXX XXXX,XX/XX/XXXX and ondition Open. 
In the XXXX report the original creditor as XXXX XXXX XXXX  XXXX XXXX, opening date XXXX XXXX, XX/XX/XXXXand ondition Closed. 
The information is inconsistent and inaccurate. 
According to the FCRA Portfolio Recov Assoc has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX XXXX due to their failure to respond to my valid request for verification and validation of a debt they are reporting on my credit report. Specifically, I have attempted multiple times to contact them to verify the details of the alleged debt and have not received any response or documentation to substantiate the debt they claim I owe. I do not and have not ever done business with this company or the original creditor they are reporting. 

Despite my efforts to communicate with them in a timely manner, I have been left without the required documentation, which is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under these laws, I am entitled to request proper validation of any debt being reported on my credit report, and the reporting entity must provide documentation or proof that I owe the debt in question. 

To date, I have sent written requests for debt validation and have provided reasonable time for XXXX XXXX XXXX to respond. However, I have not received any communication from them, nor have they provided any evidence or verification that substantiates their claims. This lack of response not only leaves me uncertain about the legitimacy of the debt but also harms my credit standing. 

Because of XXXX XXXX XXXX 's failure to provide a timely response and to properly validate the debt they are reporting, I am now seeking resolution through this complaint. I request that they provide the required documentation or remove the incorrect and unverifiable information from my credit report. 

Thank you for your attention to this matter.
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. 

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  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

Seterus has not explained and described in detail their fees or attempted to ever assist us in helping our mortgage. Seterus has ruined our lives and credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CPFA ). Specifically, cashapp failed to take timely and affective 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.
Product: Credit reporting

My full name is XXXX XXXX XXXX XXXX. Somehow another name was added to my personal information causing me to have negative accounts in collection affiliated with that name.
Product: Checking or savings account

I opened checking and savings accounts with TD Bank on XX/XX/2022. I was told my checking account was closed by the fraud department on XX/XX/2022 and the balance was mailed to me via check. However, till today ( XX/XX/2022 ), I still haven't received the check! 

Before they arbitrarily closed my account, the account had been locked by the bank because of some transactions ( money transfers ). For that, I made 3 phone calls and 1 local branch visit to verify those transactions. However, the account was eventually closed by the fraud department, and I never got any reason for the account closure. Then I chose to close my savings account in a branch because I had no patience with TD bank anymore.

Since I haven't received the check for the checking account, I had to visit the branch again. This time, they said they have nothing to do but file another request. They gave me the phone number of the Fraud Resolution department and ask me to make the phone call on my own. On the phone call with the Fraud Resolution department, the representative again filed another request ( sending another email ) to some backend team to inquire about the status of the check mailing. 

I have lost hope to be able to get my money back and feel very exhausted. I regret that I chose TD bank for checking and savings accounts. I hope I can get some help from the federal regulator.
Product: Student loan

my son and my daughter are willing to take full responsibility to pay their student loans. 
but yet the collection is agency is bullying and harassment me to pay for these student loans even though I co-signed the parent plus loan. my understanding is that if they are willing to pay, since they are adults and why are they not granted this opportunity to do so. additionally I am requesting an itemized bill on the loan amount for the tuition, how much has been paid and how much is remaining. since the XXXX college went out of business I could not get a live person to speak with regarding this critical matter leaving me very devastated and high stressed. the collection agency threatening to garnish my salary. my 2017 tax return was seized by XXXX  loan company. thank you for your assistance regarding this matter
Product: Debt collection

ON XX/XX/21 SUNRISE CREDIT SERVICES , INC. has flagged my account as UNPAID Collection account. {$1.00}, XXXX past due as of XXXX XXXX this not my account I never had an account with XXXX/XXXX/XXXX I put in a dispute with XXXX
Product: Money transfer, virtual currency, or money service

Sunday XX/XX/2022, at about XXXX I was depositing {$800.00} into my truist account at the Truist ATM. In the process of me transferring money into my Account the ATM shuts off completely after i deposited my {$800.00} cash. No receipt or any pending money on my account. The branch said they cant do anything for me and said its out of there hands. They said I had to call corporate and file a claim. Ive called multiple employees within Truist to get a clear answer on my situation and nobody can give me direct answers. Branch is telling me to call Truist. Truist is saying call the Branch where the money is deposited. Please help
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.
Product: Debt collection

This collection company is trying to collect a debt that i have no clue who this company is. They are violating my consumer rights by reporting inaccurate information to all XXXX credit bureaus.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Buys and deposits are disabled in my account on Coinbase without any reason.

I contacted Coinbase support but they do n't answer. In my wallet there are XXXX and they have verified my phone number, my ID and my banck account. So there 's no reason I ca n't buy cryptocurrency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/2019, I signed up online for the Permanent Opt-Out Election at the website : XXXX. I indicated I want to permanently opt-out which requires a 2-step process : 1. provide information online ( which I did ) for a 5-year opt-out, and 2. return a SIGNED opt-out form which is provided by the website. 

The problem is with returning the signed form to the Opt Out service -- they provide NO RETURN ADDRESS to complete the process of permanently signing out!! I called several times and was looped through a tape with no choice to get a mailing address to return the form. This is an unfair business practice in itself. I simply want to comply with the requirements and the website fails to provide the information to return the form THEY REQUIRE! 

Please provide me with the physical mailing address to return the signed " Permanent Opt-Out Election Form '' which I have completed.
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 {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by XXXX. I assert that XXXX is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed.

I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within XXXX  DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice.

Please send all correspondence related to this matter to the address listed above.