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

I am filing a complaint concerning my local bank bureau. I went to with drawl money out of my checking account on the date as follows XXXX. I waited in the lobby for someone to assist me. When the lady to come out to assist me with my bank with drawl I asked to have XXXX dollars taking out of my account. The lady was very ignorant to me and told me that the money in my account could be fraudulent activity. I assured her that the large sum of money in my account was from my income tax. She went back into the back without letting me know and froze my account. I am now seeing on my online checking account that I'm in the negative due to them freezing my account. I would like something resolved from this issue to prevent anybody else going through this. Also, hearing a bank teller say " I have kids and I dont recieve a XXXX dollar check ''. First off where does someone have the right to even say that.
Product: Checking or savings account

XX/XX/XXXX at XXXX I called XXXX bank in regards to me being unable to login into the XXXX bank website to view my account. I was then transferred to the customer service line when I was asked for my debit pin number and I did not know what it was. So I called a second time to XXXX bank to reset my pin. I was then transferred to reset my PIN which I was then made a ware there was a hold on my account at XXXX. I was told I could not be told why there was a hold on my account and I was then transferred to be given an explanation on why there was a hold on my account. At XXXX I spoke with a women who told my account was on hold because I paid money to my XXXX  credit card and that it set off fraud flags so my account was to be closed and that was the final decision. When I asked why I was told by the women that it was a trend in fraud therefore my account was close. I later found out from talking to her that my account was being closed because I paid multiple of my credit cards therefore my account was to be closed. Then the conversation ended. Then at around XXXX I called XXXX bank again and spoke with XXXX, where I was given the same explain that my account was being closed because I paid my credit cards and that was a trend for other people of fraud therefore my account was to be closed final decision. Then I ask XXXX if I could present evidence that my credit cards are real and not fraudulent. I was then informed that would not be an option because the final decision has been. To summarize I was denied the opportunity to prove my innocence, and I was still not given an answer to my faults but was only told that other people like me my assumption I was biased based on my age, gender, and race would pay there credit cards and commit fraud. Therefore because I am a XXXX XXXX XXXX I must be commiting fraud and was denied the oppurunity to prove my innocence.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inaccurate information that should be removed. The bureau refused to complete a thorough investigation into the matters instead. These inaccuracies are causing great stress and negatively affecting my financial standing. 

I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately, it must be removed. I hope you find out whats going on and who the inaccurate information belongs to. Can you please clear this up quickly? It is my understanding that you will do an investigation immediately, a new credit report that reflects the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to the law, unverifiable, inaccurate accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. 
Thanks for your help in this matter. 
XXXXXXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
US DEPT OF EDXXXXXXXX - XXXX - I believe this is reporting inaccurately - verify that this belongs to me. - This account is reporting incorrectly. 
XXXXXXXX XXXX XXXX XXXXXXXX - This is completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX, XXXX - XXXX - This is also completely inaccurate. - This is inaccurately reporting on my report. 
XXXX XXXX XXXX - XXXX - Verify this belongs to me. - This is paid as agreed and should not be reporting negatively on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX - 15 U.S CODE 1692 ( e ) 10 - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX - 15 U.S CODE 1681 ( o ) - Please verify the open date on this collection. I do not recall this - please verify this and remove it if it is in fact inaccurate.
Product: Checking or savings account

TD BANK blocked my account on XX/XX/XXXX and they blocked all my money, they said that the bank had made the decision to close my account and that they would return my money in a check and then week after week the assistants of the bank located in XXXX  fl they gave me different excuses, even mentioning that they did not know where my money was and that they did not know if they would return it to me in a check. 
Time passed and every week they avoided attending me or talking to me but one day they attended me they told me that my account was closed effective XX/XX/XXXX and that I should wait until XX/XX/XXXX when a check would arrive but on XX/XX/XXXX I returned to the same branch where the man who attended me told me that he did not know where my money was and that the best thing was for me to forget about it, causing a strong reaction in me to the point where this worker, telling me that it was against his rules, would show me the screen of his computer so that he could read the emails he had about my case ( I have video ). 
On XX/XX/XXXX, I returned to the branch of this bank where the same man who told me that he did not know where my money was, answered me and I quote -I DID NOT SAY THIS, BUT THE BEST THING IS THAT YOU GET A LAWYER.- ( I have video ) where it tells me that the bank has made the decision not to return my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was struck by a cyberattack so they did not have the security needed to protect my personal information which puts me and millions of other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.
Product: Mortgage

I contacted my mortgage company Dovenmuehle Mortgage , Inc in the XXXX of the pandemic to see what options they had due to my employment status and I was advised to be put on a 3 month forbearance program due to lack of work during the pandemic so I agreed. I returned back to work soon after so immediately after the 3 months passed I contacted them stating I wanted to make the payment in FULL because that was one of the options they offered and I wanted to be current and up to date on XX/XX/20 and they said no problem. I paid {$12000.00} which posted on XX/XX/20 and on XX/XX/20 my payment posted as normal of {$2500.00} and on XX/XX/20 my payment posted as normal of {$2500.00}. My statement is not reflecting off the payments I made and I'm being told my payments are all suspended which I don't understand where the money is. All I've been requesting since I made that large payment in XXXX is a payoff letter. They provided me with a few letters which aren't current and when I explain that to them they see that in there notes but refuse to correct the issue. They don't allow me to speak with the supervisor and I don't know what else there is for me to do at this point. I don't understand why they are holding the money and not applying it towards the loan. I was never informed any of the payments would be suspended. I contacted that at least 50 times from my XXXX payment and got no where. I feel taken advantage of and keep getting the run around.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted make a Zelle transfer from my XXXX account into my XXXX XXXX account. I verified all account information was correct for both institutions and the money was pulled from my XXXX account but has yet to be deposited into my XXXX XXXX XXXX. account. I spoke to representatives at both organizations and tried to contact Zelle but the money was never recovered. The amount was {$370.00}.
Product: Checking or savings account

Yesterday, I ran billing, and authorize.net sent XXXX to my account at Wells Fargo . Usually, the funds are available in the morning. However, this morning, the funds were missing. I called Wells Fargo and was advised they were holding my funds for XXXX hours due to some unspecified fee they could not collect last month. I advised that if that was so, they should deduct the fee and release the rest of my funds. They refused to do so, causing me major overdraft issues. This is not the first time Wells Fargo has done this. I have noted that they deliberately hold funds to cause overdrafts on the account!! The account does not have an overdraft allowance, but they keep allowing stuff to post against my account, causing overdrafts. The are rated the worst bank in America, yet they are still in business!!!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX  / XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX/ XXXX XXXX. XXXX XXXX XXXX / XXXX XXXX / XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

This company owes me {$74.00} and refusing to refund me for a Product I returned
Product: Debt collection

ROZLIN FINANCIAL GROUP HAS BEEN TRYING TO COLLECT FOR DEBT WITHOUT PROOF OF OF THIS DEBT, HOW IT WAS CALCULATED OR ANY CONTRACT FOR THE SUPPOSED SERVICE, LIST OF SERVICE, ETC. 

THEY'RE DISREGARD FOR MY RIGHTS HAS CAUSED THE ERROR IN REPORTING WHICH HAS LOWERED MY QUALITY OF LIFE. 

THE AMOUNT THAT THEY ARE TRYING TO COLLECT IS {$1900.00} THAT THEY HAVE NOT EXPLAINED AND SHOULD BE DELETED.
Product: Debt collection

I recently reviewed a copy of my credit report and noticed a collection was issued which is hurting my ability to gain credit. 

Source : XXXX XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Date : XX/XX/year> Balance : {$3000.00}
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law these accounts on this letter must be deleted immediately. XXXX has claimed that the information was verified yet the information needed to open an account was leaked through their data breach and they are literally reporting inaccurate info. I need my personal consumer report, my privacy protected and the violations to Stop! I have written and sent in all the document to support the deletions.
Product: Debt collection

I have provided a police report regarding my stolen identity and multiple accounts being opened in my name. I asked the company to send proof that the debt belongs to me being that they refuse to remove it and was sent a bill instead. A bill is not credible enough to claim the debt belongs to me. As a result of the negative remarks on my credit file, I am homeless and unable to obtain housing. I am also unable to access credit cards.
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 prcess 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: Payday loan, title loan, or personal loan

On  XXXX / XXXX /   2017  I contacte d Sunset Finance o n  XXXX   XXXX  in  XXXX  to apply for a loan over the phone. I spoke with and.  XXXX  who asked whom I was and put me on hold. She came back on the line and stated that " he '' said I could not get a loan with them. She did not take my application or anything. How can u deny me before completing an application?
Product: Debt collection

Transworld Systems Inc Collection Agency has been sending harassing mailers to my home. In one particular event the company is representing XXXX XXXX for an erroneous debt that was handled with XXXX XXXX directly. The Fair Debt Collection Practices Act ( FDCPA ) says debt collectors can't harass, oppress, or abuse you or anyone else they contact. The FDCPA also says debt collectors can't use false, deceptive, or misleading practices. Here in Florida the Florida Consumer Collection Practices Act ( FCCPA ) prohibits both debt collectors and creditors from using certain types of abusive, deceptive, and misleading debt collection tactics. This includes misrepresentations about the debt, including the amount owed. 

I believe that Transworld Systems Inc Collection Agency my be in violation of both FDCPA and FCCPA. I am politely requesting that you cease and desist immediately before I seek legal action against this company.
Product: Checking or savings account

To whom this may concern, A deposit was made on XX/XX/2019 of XXXX from account. I never got the money. Wells Fargo sent me a letter that the funds needed to be reviewed before releasing the funds. I did not receive the funds. The letter also states that the funds were available on XX/XX/2019 however the fund never showed up in any of my accounts. 
Please help me resolve this.
Product: Debt collection

Subject : Complaint Regarding Inaccurate Reporting by ChexSystems To Whom It May Concern, I am writing to formally submit a complaint regarding inaccurate information reported by ChexSystems that has negatively impacted my ability to open new bank accounts and manage my finances. 

Details of the Complaint : Consumer ID : XXXX Name : XXXX XXXX Reported Source : XXXX Reported Address : XXXX North XXXX XXXX, XXXX, OH XXXX Reported SSN/ID : XXXX Date of Closure : XX/XX/year> XXXX/Account # : XXXX Original Charge Off Amount : {$19000.00} Closure Status : Unpaid Closure Status Date : XX/XX/year> I have lived at my current address, XXXX XXXX XXXX XXXX XXXX, XXXX, ID, for the past 14 years and have never resided at the address listed above. I have no knowledge of the reported account and have never been associated with any overdrafts or the charge-off amount mentioned. 

This inaccurate information has caused significant issues for me in opening new accounts and verifying my identity across various platforms. I have attempted to resolve this matter directly with ChexSystems by disputing the inaccuracies, but I have not received a satisfactory resolution. 

I am requesting your assistance in investigating this matter and ensuring that the inaccurate information is corrected. I have attached relevant documentation, including my identification and proof of address, to support my claim. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Debt happened why I was XXXX  and asking for debts to be removed.m
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I discovered a collection account from XXXX XXXX on my TransUnion credit report for {$120.00}. This account is inaccurate, improperly reported, and unverifiable for the following reasons : 1. Incorrect Open Date The account is listed as opened on XX/XX/year>, but this is not the true date of delinquency. The original account became past due over XXXX years ago, meaning this date is misleading and does not follow the FCRAs reporting guidelines. 
2. XXXX XXXX is NOT the Original Creditor XXXX XXXX  purchased or was assigned the debt but has not provided proof of assignment or original account records to verify their legal right to collect or report this debt. 
3. Failure to Provide Debt Validation Under 15 U.S.C. 1692g ( FDCPA ), I have the right to demand full validation, including the original creditors contract, detailed account history, and proof of assignment. XXXX XXXX has failed to provide any of this documentation. 
4. Inconsistent Reporting The account only appears on TransUnion and not the other two credit bureaus, suggesting incomplete or improper reporting in violation of FCRA 623 ( a ) ( 1 ). 

Given these clear violations, I demand immediate removal of this account from my credit report. If XXXX XXXX  can not produce full, legally required validation within the required timeframe, this account must be deleted per FCRA and FDCPA regulations.
Product: Debt collection

{$1400.00} was is on my credit stating that I owed this amount and they were informed that this was XXXX XXXX ( a person I dont know ) wrongfully using my information without my permission and now it on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received an alert that my credit score had changed. When I went to XXXX XXXX site I saw there was a hard inquiry on XX/XX/2021 from XXXX XXXX, XXXX XXXX XXXX. XXXX, RI XXXX. I had not authorized such anything from XXXX and immediately called them. No one could help me and there was no information. I then went to Equifax to dispute this but they said they could not make a change and that I would have to reach out to the FTC. That is why I have contacted you. My score dropped 3 points and this is unacceptable to me. Again, I did NOT authorize this hard inquiry and want it removed and also want to know how this happened. Thanks in advance for your help.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, around XXXX pm XXXX, I received a text alert from XXXX XXXXXXXX XXXX to let me know that someone attempted to take {$2500.00} out of my account. They sent me a text to aurhorize that this was my doing, and I said that it wasnt. I received a call from them, and they told me to empty my checking and savings account which together totaled, {$1600.00}. After doing so, they instructed me to put the funds into a XXXXXXXX XXXX  debit card through CashApp, and promptly told me to delete it afterwards ( most likely to hide their tracks ). They also promised me that they would mail me a new card number with the money returned.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

I s as k 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.