23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sued for an open credit account in XXXX XXXX XXXX XXXX. I am not a XXXX XXXX resident. The contract has an arbitration clause. When I answered, they asked the court for an exparite motion to dismiss as they were not pursuing the lawsuit. 

This is after I had already filed an arbitration case with XXXX. 

I have a couple of concerns about this debt collection firm and XXXX XXXX - their client. 

Are they going after people in a different county to garner an easy default judgement or to strong arm a person to contact them to make payment arrangements via the filing of frivolous lawsuit -they know that they have waived their right to arbitration when they wrote the contract with the arbitration clause. But are using a system that they bar consumer from using. The filing of a lawsuit by an attorney is threatening to people and is an unfair advantage over other law-abiding debt collectors who do not violate the contact their client wrote to collect money. Their lawsuit is a breach of the contract they wrote. 
Upon filing my motion for dismissal or compel arbitration, they sent an expatriate motion to dismiss the lawsuit by saying they were not pursing any legal action at this time. The case is XXXX XXXX XXXX XXXX XXXX XXXX. 

I have attached the amended complaint I sent to XXXX. 

They did the same thing in XXXX XXXX case : XXXX My biggest concern is that people are being strong armed by an attorney or flat out having their checks robbed of ill-gotten gain from a national corporation and their questionable attorneys who breach the contract with every lawsuit. They volunteered to cut the courts out via an arbitration clause. They should have to live with that choice. My hope is that the state would look into the hundreds of cases filed by this group and return the ill-gotten gains back to the consumers along with an injunction stopping them from filing any frivolous claims in a court room. They choose to use the arbitration venue and they should be forced to use it from here out.
Product: Checking or savings account

Capital One has yet to release any direct deposits from my employers which is delaying the process of me being able to transfer my money to pay my bills from other accounts. Theres no time frame of this being fixed or remedy for this issue its caused.
Product: Bank account or service

This is the XXXX complaint regarding identify fraud put forward concerning Synchrony Bank. Relative to the other XXXX complaints, the Bank simply sends me a letter explaining they are acting properly ; thus, they close the case. For over a year-and-a-half the Bank has continued to make inquiries and establish credit in my name even though they have all the legal records. The last XXXX inquiries were on XXXX/XXXX/16 and XXXX/XXXX/16. Of equal interest is the Bank closed a savings account in my name and has not provided me the information requested. These are my XXXX issues ( 1 ) since they have been formally notified of my identify fraud a year ago, why does the Bank still engage in activity in my name? ( 2 ) What is the savings account about? I am so sure, I am not the only one being harassed by Synchrony Bank.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I made a fraudulently induced wire transfer of {$44000.00} from my XXXX account to an account at Wells Fargo Bank in XXXX XXXX under a nationwide cyber security fraud announced by the FBI on XX/XX/2023, as the XXXX XXXX XXXX, led by an impostor posing as a representative of XXXX  Fraud Protection Team. I filed a complaint on this website on XX/XX/XXXX, explaining the details of the incident and demanded a full refund from XXXX and Wells Fargo. I was subsequently contacted by the FBI as other victims have transferred their life savings to sub accounts under the same prime account at the same bank, under similar circumstances. Although XXXX was notified the same day of the fraudulent transfer, they did not request a recall until the next day losing valuable time that Wells Fargo could have used to place a freeze on the beneficiary enterprise / mule bank from allowing withdrawals by the cyber criminals. I called Wells Fargo Fraud Alert Department the next morning and was informed that someone would get back to me ; no one did. When I called again later in the day and the following day, I was informed that they could only speak to their clients. 

I was subsequently informed by XXXX that Wells Fargo said their beneficiary refused to remit the stolen funds. First and foremost, according to the FBI, Wells Fargo XXXX XXXX beneficiary is using its sub-accounts under its primary account to collect fraudulently induced wire transfers from victims and transferring the funds to cyber criminals operating from a call center in XXXX, and multiple victims are involved. Wells Fargo is clearly in violation of Know Your Customer ( KYC ) and multiple XXXX fraud risk management regulations and its failure to reimburse stolen funds makes it an accomplice for acquiescing to the existence of a fraudulent bank account and aiding and abetting the fraudulent wire transfers. Secondly, there are no grounds for saying these transactions are authorized as no one would authorize the transfer of their life savings to cyber criminals. Given Wells Fargos long history of fake accounts, fraud, scams on XXXX, and other illegal activity, it should be more than willing to reimburse any new victims of cyber fraud immediately and have ample insurance to do so. The failure of Wells Fargo and XXXX, two of the largest banks in the U.S., to safeguard clients from fraudulently induced wire transfers should serve as a warning to the public that your funds are not safe in these banks. The attached article explains in detail the failures of both banks in safeguarding funds of consumers and the grounds for a complete refund by both banks, which they have thus far refused.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 i was in the market of purchasing a new home.. I pulled a my credit report and to my surprise there where a few Potentially Negative items on my report that should not be i reach out all credit company and credit bureaus so resolve the account but haven't had any luck... 

One is the XXXX XXXX XXXX  I been in dispute with for the pass couple of year do to an account that they have Charge off an the amount of $ XXXX account was written off.. IRS states charge off accounts means they wrote it off as a tax write off and took the loss.. Which its now consider income i never received a XXXX from them. This account is affecting my credit score.. 

Second on is THD/CBNA this account paid in full but it closed and also reporting negative on my credit report i have tried to remove this item several times in XXXX  i have contact all three credit bureaus and creditor.. 

Lastly XXXX XXXX XXXX i have no knowledge of this account i have reach out to creditor by letter asking for all documention that i have yet to receive i have disputed this with all three bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX Account # : XXXX XXXX XXXX # : XXXX XXXX XXXX XXXX. Account # : XXXX XXXX XXXX XXXX XXXX. Account # : XXXXXXXX XXXX. Account # : XXXX XXXX  Account # : XXXXXXXX XXXXXXXX XXXX Account # : XXXX XXXX. Account # : XXXX XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.TransUnion is in violation of Section 609, they have not provided any evidence, or documentation within the 30-60 day period to prove that the account information is valid with County of XXXX XXXX DCSS, nor have they followed the fcr by deleting the account after failing to provide adequate documentation for me to dispute. 

Section 609 of the Fair Credit Reporting Act ( FCRA ) gives you the right to request your credit card reports and any other information recorded in them.

2. TransUnion has illegally re-aged this account with County Of XXXX XXXX DCSS for {$31000.00} by TransUnion deliberately removing the date of first delinquency stemming all the way back to XXXX, after re-inserting this account back onto my credit report after it was deleted multiple times for statute of limitation /re-insertion violations. TransUnion removed XXXX history to mask the XXXX. so the debt can appear new, and they can keep reporting it, TransUnion has not one ounce of integrity, nor accountability for their actions, nor any fears of repercussions. This company needs to be made aware of the seriousness of illegally re-aging debt, because right now they are under the impression it is ok to do. The company is well aware they are in violation of FCRA Section 623 ( 5 ) ( A ). 

Re-Aging a Debt Account Is Illegal and It Destroys Your Credit. To get technical, re-aging is an ILLEGAL ACT. 


I have on numerous complaints provided them with the untampered date of first delinquency, and I have provided them with evidence of the re-aging which they thrown in the garbage multiple times. Without a care in the world, and blatant disregard to the damage they have caused me. 

I will be attaching the evidence to this complaint once again in hopes the CFPB will take some form of action. 

1. They re-inserted this account removed the history from XXXX on this account when the date of first delinquency is from 2013 to make it appear new, that is illegal ( Attached ) 2.they changed the account status from closed to open. 
3. They are reporting it in good standing, but reporting payments late, and past due balance unpaid with more than 10 missed payments, by reporting it paid on time they figure it keeps it on my credit, but reporting it negatively at the same time, that is illegal what they are doing. It's false, it's misleading, and it destroys my credit. And TransUnion is well aware of this, but they fear no repercussions, or don't care, because no one is holding them accountable.
Product: Money transfer, virtual currency, or money service

i had money in the mobile account and on multiple occasions lost my ability to access it when the app malfunctioned
Product: Credit reporting, credit repair services, or other personal consumer reports

I made arrangements for credit card payments last year with  XXXX  and representatives advised that my credit would not be reported as " negative '' as long as I kept the arrangements. A  manager pretended to have listed to the phone calls were I was misleaded and now my credit report shows 120+ late  payments which could have been avoided if  XXXX  had provided correct information to me and reported the payments as agreed.  XXXX  reported late payments to credit bureaus when I was making payments under their payment plans.  XXXX  denied removing false data.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have taken every necessary step to ensure that the credit bureau ( XXXX, Transunion, XXXX ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with the FCRA.
Product: Mortgage

From : XXXX XXXX XXXX Mailing : XXXX XXXX XXXXXXXX XXXX XXXX, Georgia XXXX Landline : ( XXXX ) XXXX Truist Bank Mortgage XXXX XXXX XXXX XXXX, MD XXXX Loan number : XXXX When COVID happened, I was directly affected by COVID. XXXX members of my family died from XXXX and I had to have XXXX surgeries. Consequently, I am on XXXX for the rest of my life. 

I am a 12-year United States Veteran and my mortgage was purchased via the VA program XXXX 

Due to COVID, Truist Mortgage placed my mortgage in a forebearnace program for six months. When I initially agreed to go into forebearance program, the gentleman informed me that my payments would be attached to the end of my loan. Subsequently, a Truist representative called me to inform me that he lied. During that call, she promised to place my due date to the END OF THE MONTH - she stated that would make it easier for me to get make my monthly payments because, all of my regular bills were due at the beginning of the month. 

Shortly that call, another Truist representative called me to inform me that she LIED. The representative informed me that, EVEN THOUGH TRUIST OWNS MY LOAN and that TRUIST CAN CHANGE THE DUE DATE IF THEY WANT, they refuse to help me stay in my and will keep the due date at the BEGINNING of each month when ALL of my other bills are due - making it EVEN more difficult for me to make my monthy mortgage payments. 

PLEASE UNDERSTAND - ALL OF THE TRUIST FOREBEARANCE REPRESENTATIVES LIED THROUGHOUT THIS ENTIRE PROCESS. 

When the program ended, I complied with EVERYTHING that Truist Mortgage instructed. Near the end of the program, Truist sent me documents to sign. When I mailed them back in their envelop, they informed that they lost the documents. Truist sent another set of documents for me to sign to continue with my payments after the forebearance program was completed. After signing where the red and yellow tabs instructed me to sign and having the documents notarized, I mailed the documents back to Truist. 

On XXXX XX/XX/2023, another Truist female representative called me and informed me that my notarized documents were received ; but, she did not like my signature. I told her to look at my signature on ALL of my documents; and tried to convey that was my signature. During the ENTIRE call, she was speaking XXXX ( had a VERY ignorant XXXX tone to her voice ) and threatened me over the phone with the prospect of taking my home away from me. She indicated that Truist, ALL ALONG, had it in mind to take my home away from the onset of entering the forebearance program. The call was SO bizarre and threatening, that I had to end the call. 

NOTE : Banking crimes have NOT ended. Many thousands are homeless due to criminal banking practices that are similar to what Truist is currently doing to my mortgage loan. The banks are taking advantage of people who were directly affected my COVID ; and consequently, doing everything that they can to take our homes! PLEASE INVESTIGATE!
Product: Prepaid card

Subject : Inability to Utilize American Express Gift Cards and Lack of Customer Service Resolution Complaint Description : I, XXXX XXXX, currently residing in XXXX, NV, and serving as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX wish to file a formal complaint regarding the issues I've encountered with American Express ( AMEX ) gift cards. 

Issue Overview : Duration of the Issue : Since late XXXX to early XXXX. 
Nature of the Problem : Received multiple AMEX virtual gift cards from my employer, which were initially functional but are now universally declined both online and at physical locations ( including restaurants, grocery stores, and when attempting to add to XXXX XXXX ). 

Attempts at Resolution : Customer Service Interaction : Upon contacting AMEX customer service, no viable solution was provided. The representatives were unable to : Suggest locations for card usage despite AMEX 's claim of universal acceptance wherever AMEX cards are accepted. 
Transfer balances from the virtual cards to a physical card. 
Issue a refund or convert the balance to cash or check. 

Additional Limitations Noted : The cards do not permit partial payments. 
Restrictions on charging amounts close to the total card balance. 

Primary Concerns : Inaccessibility of Funds : The current status renders the money on these cards inaccessible for over a year. 
Misleading Advertising : AMEXs claims of universal acceptance of their gift cards are proving to be false in my experience. 
Potential Consumer Impact : This situation seems to be a broader issue potentially affecting numerous consumers, suggesting a systemic problem with AMEXs gift card policies and functionality. 

Resolution Sought : I am seeking the total balance on my four unusable virtual cards in the form of cash or check. 
My intent is to gain access to the funds rightfully owed to me and ensure that AMEX addresses these significant service shortcomings for all consumers. 

I trust that the CFPB will take this matter seriously and aid in resolving this issue effectively. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I checked my credit report and noticed that there is a collection negative item on my report from XXXX XXXX XXXX - that account has been closed all merchandise was returned and there should not be an amount owed noticed XXXX XXXX XXXX has this account should be removed / deleted been an ongoing issue
Product: Checking or savings account

Deposits in Bank of America are in HOLD for more than one week for no reason. The owner of the account HAS BEEN DEBITED but the money does not come to our account. Seems that BofA USES OUR MONEY for days.
Product: Debt collection

Cach LLC ; Contacted me at my employer XXXX. I ended up having to speak to a representative once because I answered the phone while working ( that was part of my job title ). The other occasion was calling my employer to asking for me and representitive leaving a number to call back. They have also, found a family members number and called them asking for information about me, luckily they denied knowing me. I have now been sued by them, even though ( through much headache and research ) I discovered the court papers were delivered to a wrong address and sued in a county that I never resided in, but since the papers were deemed " delivered '' ( from what I was told ) I missed any chance proving my case and now facing wage garnishment unless I file bankruptcy.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, XXXX ( Bank ) received an XXXX electronic debit transfer from the beneficiary in the amount of {$2500.00} from checking account ending in XXXX. The bank 's system of records details that this XXXX was initially funded as the available balance on Banks system of records as of XX/XX/XXXX at the end of business day for checking account ending in XXXX was confirmed as {$3800.00}. No other debit superseded this XXXX transfer at the time of request. The bank 's system of records will prove that when the XXXX transaction was posted, the bank initiated the payment of the XXXX, leaving a credit balance of {$1300.00} available for subsequent transactions. 

The bank 's system of records also shows that a debit posting after the funded ACH on the checking account ending in XXXX  for an unauthorized advice of charge in the amount of {$3800.00} was paid by the bank reversing the previously funded XXXX debit of {$2500.00}. The bank deliberately reversed the XXXX electronic payment, bouncing that electric debit after it had clearly funded and instead funded an unauthorized advice of charge in the amount {$3800.00}, bringing this account to {$0.00}. 

The Banks resequencing actions immediately started an onslaught of excessive NSF ( Non-Sufficient Funds ) fees to the account holder. The beneficiary whose ACH withdrawal was funded and then reversed has started collection and reports to Credit Bureaus ( FCRA ). The bank is also pursuing collections against account holder for NSF ( Non-Sufficient Funds ) fees for transactions it aborted. Account holders credit report has been negatively impacted due to these actions. The Bank XXXX XXXX of XXXX, AZ was contacted on XX/XX/XXXX and XXXX to equitably resolve this matter. Their answer was, " no. '' As we speak, NSF fees continue to accumulate, collections initiated and the account hold violated. 

The bank 's actions in resequencing transactions and charging multiple overdraft fees constitute a breach of the terms and conditions governing the bank account. 

The bank 's practice of resequencing transactions to maximize overdraft fees is an unfair and deceptive act in violation of XXXX XXXX Statutes. 

The bank owed the account holder a duty of care to handle transactions in a fair and reasonable manner. In it's negligence to do so, the bank breached this duty by resequencing transactions and causing account holder to incur significant overdraft fees The bank violated the Electronic Fund Transfer Act ( XXXX ) by improperly handling account holders ACH transaction, prioritizing unauthorized affiliate charges in a manner that favored the bank and then charged excessive fees.
Product: Checking or savings account

I went into the branch to open an account on XX/XX/21 and everything went smoothly I made my opening deposit of {$100.00} and {$3900.00} so deposit totaling {$4000.00} the next day I went to deposit my work check and was advised I couldnt deposit checks only cash which was weird for me so I went inside to speak to a teller and found out that the account was under review and that it was being closed and I would have to wait for a check I asked them when will that be and was advised they didnt know no Im out of XXXX of saved up money that I worked hard for for it to be token like that without an explanation I feel like Ive been robbed
Product: Credit reporting or other personal consumer reports

Experian is reporting different addresses on my credit report and different names and incorrect spelling of my name