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

I reached out to the XXXX post for a personal assistant job with XXXX XXXX. He interviewed me and offered me the position. He said that I would be doing some finance items for him - including depositing checks and invoices. He emailed me a check for {$2500.00} to deposit into my account and instructed me to go to the Post Office and get a money order for {$2000.00} and deposit them into an account at XXXX XXXX  for XXXX XXXX ( Account # XXXX Routing # XXXX ). After I did that, XXXX told me to take out the remaining cash of {$500.00} and go to XXXX  for a gift card, a XXXX XXXX Gift Card. After telling him that they did not sell the XXXX XXXX gift cards in the store, he told me that he would get back to me with what other types of gift cards " they '' accepted. After hearing this, I told him that I did not want any more part in this and that I would just mail him back the remaining money. He had a bit of a hissy fit but I have not heard from him since. Two days later, my bank informed me that the check was fraudulent and that I was on the hook for the {$2500.00}. I am currently unemployed due to the pandemic which is why I took the job even though it did sound a little too good to be true. I have the money order receipts and the deposit receipt as well and have reached out to my bank. My bank is now canceling my relationship with them and is holding me accountable for the full {$2500.00}, saying that since I initiated the money orders I am accountable. I tried to explain to them that I fell victim to a scam and that I have the emails and text messages that prove that I was not doing this to take the money, that I was doing this for my boss ( as I was hired ). Now, I have to find a new bank and somehow come up with {$2500.00} that I do not have. If I was not unemployed due to the pandemic, I would have never taken this job nor would I be in this position. BE CAREFUL.
Product: Credit reporting or other personal consumer reports

This account was paid and settled, however, this account is still showing on my credit report with inaccurate information. I have tried to dispute this several times through XXXX several times and MoneyLion each time as refused to acknowledge nor delete this as a goodwill deletion.
Product: Mortgage

HI. I have written you prior to this. Wells, Fargo mortgage sent out a letter that they are investigating my complaint and we would both have an answer by XXXX XXXX, 2015. I still have not heard from the bank. They were suppose to be reviewing a loan modification for us. 
Our home is still under sheriff sale for XXXX/XXXX/2015 ( it is not suppose to be under a sheriff sale while you are going through a loan modification and should be removed from the list - it is XXXX XXXX sheriff sale number XXXX for XXXX/XXXX/15. In addition, I submitted all the paperwork on XXXX XXXX to do the loan modification and then got a letter back from Wells, Fargo that to much time had lapsed right after I sent in the paperwork!!! They also had an appraisal done and the home is not under water. 
I sent you a letter with all the information on XXXX XXXX, 2015 as well and another complaint afterwards to let you know about the " to much time has lapsed ''. Please help. We live on a farm and have horses, etc. I ca n't sleep at night and do n't know what is happening. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts have violated my rights. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Checking or savings account

I am filing a complaint regarding a defective XXXX XXXX I purchased on XXXX on XX/XX/XXXX The phone was advertised as new but arrived with several issue and wouldnt turn on, unresponsive touchscreen, physical damage ( scratches and dent ), and missing accessories. Despite reaching out to the seller and opening a case on XXXX, I have not received a satisfactory resolution. 

I am seeking a full refund and assistance in resolving this matter, as the product was misrepresented and defective. Ive attached documentation, including the purchase invoice, product photos, and communication with the seller, for your review The Total amount was XXXX $ dollars. 

Thank you for your help.
Product: Debt collection

I sent a Verification of Debt Request letter to Frontline Asset Strategies on XX/XX/23. This letter was received by them on XX/XX/23. As of the present date ( XX/XX/23 ), I have not received verification of the debt that this company is attempting to collect from me. Per the Fair Debt Collection Practices Act this information was supposed to be provided to me within 30 DAYS of receipt of the letter. Due to the failure of Frontline Asset Strategies to provide the information requested, they are violating my rights as a consumer and under the Fair Debt Collection Practices Act.
Product: Credit reporting or other personal consumer reports

Under 15 U.S Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

Either a Macy 's customer used my phone number or their debt collector randomly selected mine and attached to delinquent account. I asked not to be called again. Called again less than a day after I requested for the harassment to cease. I called the XXXX number left on voicemail by XXXX XXXX. She verified by last XXXX of the SSN that I am not the account holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX and Acctount # XXXX, has violated my rights. 

15 U.S. Code 1681 section 602 A. States i have the right to privacy.

15 U.S. Code 1682 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as last for ANY purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I received pre.approved confirmation certificate from upgrade company for low fixed rate loan on XXXX I went to the company website at XXXX and to check my rate with out impact my score as been shown in steps of that website then I found hard inquiry in my XXXX report from XXXX on XXXX XXXX XXXX and I do n't even complet their application they mention clearly it not impact to check rate.i thought nothing will impact my credit score as I never send then any documents to apply for this loan just wanted to check my rate and how much line I will approve for. thanks
Product: Debt collection

On XX/XX/2022 I received a deposit in my navy federal checking account via a XXXX transfer in the amount of {$300.00}. The following day XX/XX/2022 navy federal violated the Electronic Funds Transfer Act, by conducting an unauthorized charge to my checking account, in the amount of - {$250.00} for a checking line of credit, and another charge, - {$50.00} for a charged off credit card which is currently in dispute. 

The checking line of credit is currently a {$0.00} balance, as proven by the data navy federal has furnished to my XXXX and XXXX credit report. Furthermore it is notated as closed, paid, and current. On my credit report. Navy federal MUST have furnished this info to the Credit reporting agencies, Im sure XXXX XXXX XXXX didnt randomly come up with this info. 

Be advised Navy Federal Credit Union, legal action very well may arise from the actions you have chosen to proceed with.
Product: Debt collection

I don't recall having a contractual relationship with this collection company I.C. SYSTEM, Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

XXXX months ago I noticed on my credit report a collection account from Ameriassist on behalf of XXXX. I never received anything from XXXX so I immediately sent a letter to the bureaus to correct the information on my report. I asked them to remove such debt from my credit report if no proof is provided that the alleged debt is mine. A month following I received a letter from the bureaus asking for proof of address and identification although I sent my drivers license, my social security card and my statement as proof of address. I sent another letter to follow up a month after they stalled and I haven't received anything yet. As of recent, I received a call from the collections agency to collect the debt. They inconvenienced me while I was at work and they were adamant about me making a payment that day specifically. Till this very day I have yet to receive proof from either the bureaus or the collection agency of this alleged debt.
Product: Debt collection

I had a lady from IQ data international call my Extention at work she identified XXXX XXXX her self as a debt collector. She started off very rude. I told her to not call my job she told me I dont have the right to tell her that. I said I do. Then 2 days later she called back impersonating my mother who has been dead since 2011. Just to get me on the phone. I had already told her not to call my work and she did.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is in violation of FCRA. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices and reporting to credit bureaus. However, I paid them in desperation on XX/XX/2018 to get it removed off my credit report, because they informed me that if I paid it they would remove it off my credit report and they have not. I will also be contacting my state 's attorney general 's office in regards to this companys business practices as well. XXXX XXXX XXXX has VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt and not following through with our agreement to remove it. They have until the end of next week to remove the reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. I will purse litigation in this matter to enforce my rights under the FCRA. Please give this the immediate attention it deserves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX  and constantly have XXXX XXXX after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurute information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX requested my credit report without my knowledge or authorization on XX/XX/XXXX. As per XXXX, an application was received online using my name, address and the car I currently own but used an email address other than mine. XXXX tried to contact me via the email used on this application and it was bounced back. I received a letter from XXXX dated XX/XX/XXXX denying this insurance application with a NY Credit Disclosure Notice from Trans Union attached. 

I requested a copy of my credit report from Trans Union and it does show an inquiry was requested by XXXX on XX/XX/XXXX for insurance underwriting. 

A per my conversation with Trans Union yesterday, my Social Security number was necessary for this inquiry and so I have frozen my credit reports with all three reporting agencies as well as my credit cards. 

Neither I, nor anyone in my household applied for any type of insurance or quote from XXXX or have ever been insured by them. As per the advice of their Underwriting Department I filed a police report with the XXXX County Police Department, 1st Precinct in XXXX XXXX, New York, today, XX/XX/XXXX and XXXX will be forwarding this to their Fraud Department.
Product: Checking or savings account

ACH Deposit of {$11000.00} from XXXX Arkansas XXXX XXXX to my BofA small bussines account ( an LLC ), ordered by a client, XXXX XXXX, was rejected as fraud by BofA after 10 days. 
Near XXXX ( {$8800.00} ) were withdrawn on that money and Were Sent to the client, who now denies having it. 
1 ) Why a bank agent said 3 days after the deposit ( XX/XX/XXXX ) was good but one week after ( XX/XX/XXXX ) another bank agent said the deposit was rejected. 
2 ) Why did the bank consider the deposit bad? 
3 ) What did BofA do with that {$11000.00} deposit money?. 
My account was frozen and closed. The Money deposited XXXX {$11000.00} XXXX plus that sent to client XXXX {$8800.00} XXXX were excluded from transfer to a new account. 
4 ) Can BofA request the cash transferred out of the account from XXXX to XX/XX/XXXX XXXX to XXXX and XXXX to be refunded?. 

Thanks for any help you can provide.
Product: Money transfer, virtual currency, or money service

In XXXX of XXXX I opened this account with Coinbase.

I purchased about {$1200.00} of Crypto. Then another transaction appeared that I did not authorize. A debit from my XXXX XXXX XXXX  account. 

I immediately questioned it and the email took a week to get a reply. They froze my account to investigate my claim. 3 months pasted.!! They ignored all efforts to find out what and why it took 3 months. 
The determined they were completely innocent and it was on me... Of course they did. 

After this happened I tried to access my account to close it and still blocked. I try and try for months to gain access to close my account but they keep changing the requirements and then don't reply for several days. 

I even sent at their demand a selfie, yes a selfie of me holding a hand written note, dated, with my drivers license. And then that was not enough. Today I got a email after reporting this to the SEC, and same thing, they thanks me for my patience and we start the same exact thing again with no results. 
So after 10 months of trying and failing to get my money back I need help please. 

Coinbase is a XXXX company and do not have US customer service. Evidently they will do anything to keep your money. The are unwell to resolve the problem and the consumer is powerless to do anything but get help from agencies that have authority to discipline these type of companies. 
As a XXXX XXXX I can not afford to loose my {$1500.00} Please please help me!! 

Thank you for your help. 

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

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were XXXX  % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have asked this company multiple times in letters going back from last year to verify that these accounts are mine and to send me proof that i owe them the money they are asking. they have not been able to do so.
Product: Checking or savings account

On XX/XX/XXXX I closed two accounts with Wells Fargo. I received one check but did not receive the other check which is for an outstanding amount in the total of {$5300.00}. 

I began inquiring as to the checks location during the 2nd week XXXX XXXXXXXX after the first check arrived and the second check did not. I was informed that the check was likely lost in the mail. 

In the third week XXXX  XXXX I completed a notarized form, having it notarized at a local Wells Fargo bank and returning it to them. 

In total I have been on the phone with Wells Fargo for over 8 hours. I have an ongoing case number that I continue to reference and was given an escalation number to Wells Fargo Exceptions. I was told last week that my issue should have a resolution on XX/XX/XXXX, but that resolution is yet to occur. 

I spoke with them most recently on the morning of XX/XX/XXXX, and even via the Exception line, they have been unable to resolve this issue. The agent as previous agents, informed me that they can see the issue, they can validate that the the final distribution of the account has not been cashed. I continue to ask for a bank transfer to resolve this issue after 77 days. Agents agree this seems to be a reasonable request for a bank but can not answer why a manager hasn't called or emailed to setup a time to resolve this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 and list of Inquiries. 

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: Debt collection

Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!
Product: Checking or savings account

I recently signed up for a Chase account and on XX/XX/XXXX I deposited a check. I waited the nine business days. The funds were available in my balance. However, a restriction was placed on my account. As instructed, I brought the required documents into the branch to lift the restriction. Without any notification, my funds were taken from my account and placed in a Debit DDA - Check Charge Account where I did not have access. I contacted the executive branch they resolved my issue but I waited around forty days from the time my check was deposited to my funds becoming available. On XX/XX/XXXX I deposited a new check from the same check writer from the same account as the first one. A nine day hold was placed, again. On XX/XX/XXXX the check cleared in my available balance. Then the restriction was placed, once again, and now the funds were taken to Debit DDA - Check Charge without warning. It was stated that in order to remove the restriction Chase needed to contact the check writer. However, apparently the registered phone number to the check writer is not in their database. They were able to tell me the last four of the phone number they were using to contact the writer. After doing some research, Chase wasn't contacting the correct company ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, Ca, ( the check writer ) they were contacting XXXX XXXX XXXX XXXX in XXXX, Ca. Now I don't have access to my funds and I risk getting my bank account shut down among other issues. Chase has informed me that they will hold my funds indefinitely until the check writer is verified.