23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

PRA - Portfolio Recovery Associates LIED TO YOU when they responded to you regarding complaint number XXXX submitted XX/XX/2023. They stated that they were negotiating with my attorney per my request. I do NOT now have an attorney, nor did I have one when they responded to you and they knew it and I can PROVE IT and you just tacitly accepted that they were telling the truth after you just fined ther {$24.00} XXXX in XXXX fo illegal and dishonest business practices. This complaint is IN ADDITION to my complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been looking for help for some time now with some accounts on my credit that I don't know anything about. I have reached out to the FTC and my local police department and I am doing this on my own behalf. It's sad that I can't even get approved for a house because of this. Again can you have these accounts removed and the inquires that I know nothing about. I have not ran my credit in a long time. inquiries : XXXX XXXX XXXX, XXXX XXXX GA, XXXX XXXX XXXX XXXX, MICROBILT Here is the accounts : Bankruptcy : Dismissed CH-XXXX ( I don't understand how someone can file a bankruptcy. I've spoke with the Bankruptcy Court and they told me there is not a bankruptcy in the courts under my social security number ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. I don't know if you can help with my these address I know nothing about. 1. XXXX XXXX XXXX XXXX  2. XXXX XXXX  XXXX  3.XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My cashier 's check ( amount {$49000.00} ) was deposited to Bank of America XXXX XXXX XXXX on XX/XX/year>. Teller specified that funds will be available next day. 

I received a notice on XX/XX/year> that Bank of America has " placed a hold on your deposit because we have information indicating the check ( s ) may be returned ''. 

After repeated contact with Bank of America and its deposit verification department, no one explained what information is indicating the check may be returned. The issuing bank also confirmed with Bank of America 's manager that the cashier 's check is legitimate. Further, the ineffective deposit verification team, including XXXX and XXXX, have not been informative nor helpful, and did not provide any service to clarify the reason Bank of America is holding the cash hostage. 

According to XXXX XXXX XXXX XXXX XXXX XXXX, cashier 's check are considered checks that pose little risk and should be available next day ( in this case the cash from my cashier 's check should have been available to me on XX/XX/year> ). However, I still do not have the funds available as of today XX/XX/year> ). Although Bank of America 's XXXX XXXX XXXX XXXX district manager has been following up with updates, no resolution is apparent. The banker from the issuing bank, XXXX XXXX, spoke with the branch district manager on XX/XX/year> to confirm legitimacy of my cashier 's check. However, I still do not have the the cash available. The deposited amount was to be immediately placed in a 4.5 % CD in a different financial institution, which I have not been able to do so. The delayed availability of funds from Bank of America is now resulting in over {$45.00} interest income lost. No one has mentioned any kind of compensation to me for this unresolved issue. 

If no compensation is to be made to me, then Bank of America seems to be extending fund available dates and absorbing all the interest income for itself, which is a scam.
Product: Debt collection

I have reached out to CKS Prime Investments on more then one occassion requesting the removal of this fraudulent account due to it being a result of identity theft. I have requested validation, and all or any information on this fraudulent account to aid in its removal. All request for documentation have been ignored and this fraudulent account continues to report on all my personal credit files.
Product: Checking or savings account

To whom it may concern : US bank placed a hard hold on my joint checking bank account on XX/XX/2023 and subsequently informed me that they will be closing the bank account. Routing Number : XXXX. Bank Account number : XXXX. Account holders XXXX XXXX XXXX and XXXX XXXX XXXX, ( married ). 

I am writing this letter because US Bank is refusing to return to me my account balance of {$9400.00}. US Bank told me that I am not allowed to withdraw the funds at the local branch if I visit them. Instead, US Bank first told me that they will mail me a check for the balance on my checking account after 7-10 business days, which means I may not receive a check via mail for 2 weeks. Next, US Bank told me that they have the right to hold my bank account balance for 90 days while they review my bank account. 

Despite visiting the local US Bank Branch in XXXX, CA on XXXX XXXX, and making numerous phone calls to the US Bank fraud department, the US Bank bankruptcy department as well as the US Bank fraud liaison department, I was told again and again that nothing can be done to assist me further, and that they could not explain why they had chosen to close my account and hold on to my funds. I am in XXXX  XXXX bankruptcy and my attorney also sent them two letters telling them that it was illegal for them to place holds the funds in my bank accounts, to which they said they would lift all the holds, but a hold on my bank account balance remains in place as of this date. 

The hold on the funds in my bank account is creating an immediate, severe economic hardship for me and my husband. The bank 's actions have resulted in reversing my mortgage payment, reversing my XXXX XXXX XXXX utility payments ( resulting in my power being cut off ), and leaving me without any cash in my pocket for reasonable living expenses ( like food! ). I have also accumulated numerous late fees and bank return fees as a result of US Banks actions. My mortgage payment, my XXXX  XXXX payment as well as my electric payment have been returned and I have been charged additional late fees and bank return fees. 

Moreover, I am shocked by US Banks lack of customer service, downright meanness, inhumane and probably illegal behavior. It seems that US bank does not care if their actions put people on the street. 

Please force US Bank to return me the balance of my bank account funds immediately! 

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

XXXXDisputed for balance of XXXX but didn't remove XXXX XXXX Disputed for balance of XXXX but didnt remove XXXX XXXXdisputed balance for XXXX but didnt remove
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuits highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

I consumer XXXX XXXX have sent three Cease and Desist to ALLY FINANCIAL to stop ally communication on any and ally mediums about an alleged debt that is not owed and has already been paid. ALLY FINANCIAL continues to violate my federally protected consumer rights under the provisions of 15 USC 1692c ( c ). ALLY FINANCIAL has received my cease and desist by certified mail & return green slip on dates ; XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. ALLY FINANCIAL has not rebutted my three AFFIDAVITS OF TRUTH, statement of facts. ALLY FINANCIAL states that federal law governing them as a debt collector under 15 USC 1692 doesn't apply to them. On 07/13/2015 I entered into a consumer credit transaction extending my credit to ALLY FINANCIAL. This consumer credit transaction involved a finance charge in which is the SUM of all charges under 15 USC 1605. I consumer XXXX XXXX also put a cash down payment of {$4000.00} involving a credit transaction which is against my federally protected rights. The finance charged paid for the entire transaction. ALLY FINANCIAL committed fraud by taking monthly payments on an alleged debt that was already paid for through a credit transaction under 15 USC 1602. 

ALLY FINANCIAL has been using abusive tactics in order to collect a debt. ALLY FINANCIAL has threatened to illegally seize my property, something already paid for which is theft and is illegal under the Fair Debt Collection Practices Act. ALLY FINANCIAL is sending me threatening letters to seize my property and to continue damages my reputation as the consumer by reporting false and inaccurate information to the credit reporting agencies without my permission. I have reported these acts to the ATTORNEY GENERALS OFFICE. The harassment from ALLY FINANCIAL is causing me mental anguish, stress, and financial hardship. This alleged debt was already paid, I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally lodge a complaint regarding unauthorized hard inquiries listed on my credit report, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. The following hard inquiries are present on my credit report without my explicit consent or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S.C. 1602 ( p ), any access to a consumer 's credit report must have a permissible purpose that is clearly established and authorized by the consumer. These inquiries were made without my explicit permission, constituting unauthorized access to my credit information. Pursuant to 15 U.S.C. 1681c-2, I am requesting the immediate removal of these inquiries from my credit report. This provision allows consumers to have unauthorized or fraudulent inquiries removed to uphold the accuracy and integrity of their credit information.

The unauthorized hard inquiries are adversely affecting my credit score and causing unwarranted harm to my financial standing. Despite my attempts to address this issue with the relevant entities, a satisfactory resolution has not been reached. Therefore, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to take the following actions : 1. Investigate the inclusion of these unauthorized inquiries on my credit report to ascertain their proper authorization.

2. Ensure the swift removal of the unauthorized hard inquiries from my credit report.

3. Hold the responsible parties accountable for breaching my rights under the FCRA. 
I thank you for your prompt attention to this matter and kindly request that you provide updates on the progress of your investigation.
Product: Mortgage

I have sent payments on my loan modification with SLS loan # XXXX. I have gotten behind a month several times but I have always caught up right away. Several times they have taken a payment made in a timely fashion and credited it to principal reduction instead on to the payment. I have had some success in getting them to fix the problem but with the XXXX XXXX payment due on XX/XX/XXXX they received XX/XX/XXXX they credited to principal and said they would properly credit it but did not do that. I made the XXXX XXXX and XXXX XXXX on XXXX XXXX and once again asked them to properly apply the XXXX payment and they still did not do that. Then on XXXX/XXXX/XXXX I called to make the XX/XX/XXXX payment and found out that they had not fixed the XXXX XXXX payment and I reviewed it with them again and asked for it to be properly credited. They once again said they would correct the problem and took the XXXX XXXX payment. When I called to make the XX/XX/XXXX payment they would not take it stating that my account was in default and sent me a notice of default. I was pretty paralyzed but by XXXX tried to get it fixed by phone again and thought I had finally succeeded when I spoke with a fellow who said he would correct the problem and took the XX/XX/XXXX and XX/XX/XXXX payments. Then in XXXX I get a statement that says my interest is 5.25 % when my note clearly says the payment is 4 %. I make the payments by phone because every time I send XXXX it gets credited to principal and not to the payments and I do not understand why. I have the names and most of the dates I talked to everyone if needed. I faxes them a " qualified written dispute '' regarding the payments, which is what I was told to do, on XXXX/XXXX/XXXX which they say they did not receive, so I sent it again on XXXX/XXXX/XXXX which they also said they did not receive, so I sent it again on XXXX/XXXX/XXXX by certified mail. I finally got a letter stating they received the fax on XXXX/XXXX/XXXX. Then when I found out they had the interest rate wrong I send another " qualified written dispute '' on XXXX/XXXX/XXXX. They say they have not received that one either when I called on XX/XX/XXXX or today on XXXX/XXXX/XXXX. I need to make the XX/XX/XXXX payment and they will not take it. I have transaction receipts for the faxes, a return receipt for the mail and names and dates for most of the calls I have made to them. Please help me.
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2012 with an amount of {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below accounts and inquiries from my XXXX, EXPERIAN, and XXXX credit report ( s ). These inquiries are fraudulent and unverifiable. 

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 These inquiries are fraudulent, unverifiable, and in violation of consumer rights.
Product: Checking or savings account

On XX/XX/XXXX, I received an email from XXXX Tax Collector saying that my check bounced from Golden 1 Credit Union. When I opened my account I am showing that there was enough money to cover the check. I called the bank and they told me that there was no money in the account to cover the check payment. Please see the rejection below from XXXX XXXX XXXX Collector. On my online statement, I show that I have more than enough to have covered the transition listed below. Clearly, this was an opportunity for the bank to take money from my account although funding was there. Please respond to my request if you need further documentation regarding this issue I can be reached at XXXX and XXXX. 
Thank you in advance for your time in processing this request. It is my request to invest to see if the company is going this to other members as well. 


XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$22.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$100.00} {$2800.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$1400.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX  Online Transfer " STD '' XXXX from share 0 {$100.00} {$1300.00} XX/XX/XXXX Checking Deposit @ XXXX  Online Transfer " STD '' XXXX from share 1 {$200.00} {$1200.00} XX/XX/XXXX Withdrawal ( Item # ACH FEE ( S ) ) {$30.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$43.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$120.00} {$1000.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$800.00} {$1100.00} Here is the count tax letter received via my email also see attached to the bank statement from Golden 1 XXXX XXXX Tax Collector : Payment Rejected XX/XX/XXXX at XXXX AM PrintRaw message XXXX XXXX To : XXXX Your bank has dishonored your e-check payment. The reason given was : Insufficient funds ( R01 ) Please contact your bank if you need further information about why the payment was unsuccessful. 
If your e-check was rejected for any reason, you may be charged a service fee. 

Please contact us at ( XXXX ) XXXX if you need further information about why the payment was unsuccessful. 

Return Confirmation # XXXX Your payment has been returned. 

Payment and Return Summary Transaction Details Payment Date : XX/XX/XXXX XXXX AM PST Return Date : XX/XX/XXXX XXXX AM PST Recipient : Tax Collector Location : Public Site Received Via : Online Payment Type : e-check Account Information : THE GOLDEN 1 CREDIT UNION Account # XXXX Paid By XXXX XXXX XXXX Adjustments Original Amount Charged to Your Account Amount Returned to Your Account Total Balance Remaining Charged to Your Account ( if any ) Payment : {$2100.00} {$2100.00} {$0.00} Total : {$2100.00} {$2100.00} {$0.00} If your payment was returned by your bank, you may need to submit a replacement payment.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and I was 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 of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Checking or savings account

I have been fighting an ongoing battle to fix my credit reports and XXXX reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. 

BANK OF AMERICA, review my complaint I made about XXXX regarding you below! 

" The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account Bank of America and XXXX they both fall under same category. I am more concerned with Bank of America as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked XXXX to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW! ''
Product: Credit reporting or other personal consumer reports

Dear XXXX : I'm writing to dispute the following information that appears on my credit report. I have so many are unauthorized Hard inquiries. Please help. 

The following inquiries are unauthorized, and I ask that you delete them : From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  That's all. Thank you for taking the precious time to review my objection
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX  XXXX Account Name : SXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, : XXXX Account # : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

i sent both Experian and XXXX  a dispute letter in regards to some accounts that are reporting incorrectly on my credit report. its been more than 30 days and i have yet to receive any status from them. per the FCRA, they have 30 days to respond or they must delete. i believe that this should be the case now as they have failed to properly investigate and return with a conclusion within the 30 days allowed.