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

On XX/XX/2022 I was sent an email from TD Bank advising that I opened a TD Beyond Checking account number ending in : XXXX. I immediately called the business on XX/XX/2022 at XXXX to advise that I do not recognize opening this account. I was asked for my mailing address to send me to a confirmation letter. However ; almost three months later I never received any letter. I have attached a copy of the email that was sent to me by TD Bank to email address : XXXX.
Product: Debt collection

Requested a 1099C from Company and didn't receive it.
Product: Checking or savings account

I refinanced my vehicle loan through a credit union in XX/XX/XXXX. Wells Fargo Dealer was paid off and sent me a refund of my overpayment. 

Wells Fargo dealer services were one of three auto bill payees on my Wells Fargo checking account.

When the WF dealer acct was closed, I went into WF checking account to delete them as a payee. There was no option to do such by app on phone nor by computer online services. However, the other 2 payees have 3 dots next to their names where you can delete them or other changes you need to make. WF Dealer did not present that option -- no 3 dots to press for options.

I called WF to get WF dealer removed as a payee, the banker also could not delete them on her end -- no further action taken. 

XX/XX/XXXX, I'm alerted the a bill payment of {$500.00} is made to WF dealer. I had a death in my family and didnt see the alert until the XX/XX/XXXX when the payment had already been drafted. 

I immediately call WF banking to inquire. I also inquire again about why WF dealer is still on my bill pay. The banker could not figure out how to remove them from my bill pay once again. She keeps trying and ultimately ends up doing something on her end that makes the 3 dots  appear on the computer and they are deleted. However, {$500.00} is gone from my acct, I have a family emergency, my last pay was XXXX XXXX and my next pay isn't until XX/XX/XXXX meanwhile I have children to feed and care for. I am a XXXX. I budget to the penny especially after the holidays because I know that XXXX is very long. 

Every single day I call WF from the XX/XX/XXXX to present ( XX/XX/XXXX ). I talk to a banker, who patches in WF bill pay, who then call WF dealer who send me back to bill pay, then to supervisor in claims ... every day. I'm using my lunch, planning time, Saturday mornings, to call and be on hold several times only to be given mixed information each and every time. 

I am currently unable to provide any groceries for my family and have been told either 2 more business days or up to 30 days for my refund.

The refund was supposed to be given electronically, however it was sent back to WF banking by XXXX  XXXX  in check form. I have tracking number. I was told that my case was escalated and the funds would be CREDITED by the XXXX. That did not happen. I have the check number and tracking number from WF dealer. As of today, they can not track the check. I am beyond upset. I haven't been able to grieve, and now I have no idea how I'm going to buy groceries the next flseveral days. This is unacceptable, not compassionate, and plain old bad business. I need some guidance. This should happen to no one else. I could understand if it WF dealer and WF banking were not under the same company, but the right hand doesn't know what the left is doing meanwhile a nearly 20 yr customer is left to look my kids in the face and literally tell them that I don't know what we are having for dinner. Unacceptable.
Product: Checking or savings account

I deposited a couple paychecks to Chase through my mobile checking account and forgot to sign the back of the checks in XXXX. 2 out of 6 checks were past 6 months so Chase put a hold on my account and the funds. I went to my local branch and several other ones near me to try to get them released. They tried to verify the number linked to the XXXX with no avail. The owner of the checks- my boss- went with me multiple times to Chase to verify the checks and confirm they were not fraudulent. Chase refused to release the funds even though the owner provided proof of ownership of the XXXX under the XXXX and stated they would only be able to release the funds once they got the correct phone number and called it using " their '' system. Despite the phone number we gave them being attached to the XXXX name of the business with the same address as the XXXX on the check, Chase has refused to release the funds. The funds have been pulled from my boss 's account and has been held and not been released for 2 months.
Product: Debt collection

On XXXX XXXX, 2015, I was contacted by a woman named XXXX who gave me her phone number and wanted me to contact her. I have this message on voicemail. She did not say this is an attempt to collect a debt. I called the number back which went to voicemail that said it was Atlas Collections from XXXX XXXX Indiana.
Product: Credit card

On XX/XX/XXXX I received a email notification that Capital One received my payment of {$310.00}. Later that day I checked my app and seen that my credit card was set to restricted. I called capital one the informed me that they have actually already closed my credit card. I was given no letter, no notification, no email. The only email I received was that my payment was received. Now my credit score doesn't popped XXXX points how can this happen. All I simply did was pay my entire balance off. Now what am I going to do my credit is screwed.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

On XX/XX/year>, I received a notification from XXXX XXXX XXXX and from XXXX that my credit score changed. 

I checked my credit report and found an unauthorized hard inquiry from Bank of America ( BK OF AMER ) for a bank credit card. This inquiry caused my credit score to fall by XXXX points. I called Bank of America and disputed the inquiry since I did not request any credit card from them and I have no accounts with them. They said they saw suspicious activity under my name, but no account was opened. Bank of America created case ID XXXX for my dispute. They said they will send a letter informing XXXX and myself that the hard inquiry is disputed. I also called XXXX and they instructed me to file this identity theft report.
Product: Mortgage

I have been contacting Supreme Lending to receive my loan estimate but they have not obliged this request and are now actively avoiding my calls. I originally applied with Supreme Lending in XX/XX/XXXX of XXXX and to this day, XX/XX/XXXX, I have not received a loan estimate. I have submitted all requested documents, but was lied to and told that I can not get a loan estimate until I committed to have them the lender for my loan. I have a hard inquiry on my credit due to Supreme Lending forming my application, so without at least an estimate this would be for nothing. Federal regulation stipulates that " Consumer must receive the loan estimate within three days of receiving : The applicant 's name, SSN, applicant 's income, the property address, and the loan amount. All lenders are required to use the same standard Loan Estimate form ''. I was repeatedly lied to and told that I needed a ratified contract in order to get the loan estimate and once supplied I was told that I need to select them as my lender.
Product: Checking or savings account

Hi, On Friday, XX/XX/2022, I received a text message from Chase with an alert that my debit card was being used to make a purchase at XXXX for {$240.00} and to reply Y or N. I replied N and I immediately got a call from XXXX XXXX XXXX which is a Chase number. They called me around XXXX times starting at XXXX am. The man on the phone told me that Chase noticed fraudulent purchases and needed me to confirm I wasn't the one making those purchases. I couldn't understand the man very well, the phone was breaking so I asked to speak with his supervisor. A lady got on the phone. They were inside my account and went through my transactions asking me to confirm if I had done those. 

They told me also that there were charges from XXXX and other places and that they were going to cancel those and send me a new card free of charge to my address. They confirmed my address, they had all my personal information. 

They kept me on the phone for almost XXXX hours because they were waiting for reference numbers to confirm the cancellation of the transactions. While I was talking to them I was receiving text messages from Chase with the " reference numbers ''. 

On Monday, XX/XX/2022 I checked my Chase business account and there were three unauthorized wire transfers and various other transactions. A total of {$41000.00} had been wired without my authorization. I called the fraud department at Chase and filed a claim and the lady on the phone told me to go immediately to a Chase office to freeze my account. I did. I transferred all the money to a new account. 

Chase couldn't give me the money back until they did their investigation. They didn't ask me about the details of what happened and they told me to wait. I filed a police report immediately ( police report available upon request ) and I've reported the identity theft to XXXX. I'm located in XXXX XXXX. 

This is not only identity theft on me, it's identity theft on CHASE.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customers and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Citibank stole over {$30000.00}. I NEED HELP. THEY HAVE ALWAYS REFUSED ME ACCOUNT ACCESS-I FOUND IDENTITY THEFT AND CITI REFUSES TO GIVE ME COPIES OF CHECKS IR WITHDRAWAL SLIPS. I WANT CREDIT. I WENT IN XXXX XXXX XXXXAGAIN XXXX XXXX XXXX XXXX PLAYS WITH ME, LYING, ETC. I NEED MY MONEY.
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 u.s.c 1681.. 
Account name... XXXX... Account number # XXXX... Account Name... 
XXXX ... Account Number # XXXX ... Account Name.. XXXX XXXX XXXX... Account # XXXX ... Account Name ... 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.. 
15 u.s.c 1681 c. ( A ) ( 5 ) section state : 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate..
Product: Debt collection

I received mail from this company and do not know who they are, I have no contract with them, nor any permission to report anything, I sent a letter to verify their claim certified mail and they failed to respond.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXXXXXX Balance : {$680.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I requested a full file disclosure from LexisNexis. I looked over the report and noted inaccurate information in my credit file reporting pertaining to a bankruptcy. I disputed the information with the credit reporting on several occasions in writing via US Mail. I called LexisNexis last week due to repeat response " we do not have sufficient data matching your request '' I called the company. I spoke to the rep who informed me that due to my file being frozen they could not initiate a dispute and that is why I received the letters. I asked her if it was right to dispute via written and she stated yes. She acknowledged that a dispute should have been completed but was not because my file was frozen. She told me when the file is frozen she can not access any information. She told me send my drivers license so she can authenticate my identity and then she will be able to access my consumer file. After uploading my driver 's license to verify my identity, the representative state that she could complete a dispute if there was a bankruptcy on my credit file. She told me that she did not see a bankruptcy in my credit file and would send me a report in the mail. I received a report in the mail today and it did appear be a full file disclosure. It did not obtain the XXXX XXXX XXXX XXXX Report. What I received today did not include any data of what LexisNexis is reporting in my file including the XXXX Consumer Disclosure Report. 

I believe my rights are being violated and LexisNexis is refusing to provide me with a full file disclosure. I wrote LexisNexis and told them I was disputing the bankruptcy as it is tied to a social security number that belongs to another individual. I am aware of this only because the individuals full Social Security Number is listed in the bankruptcy data. I made LexisNexis aware of this in my written dispute and several times and asking why social security numbers and public record data that belongs to another individual is listed in my consumer file. I also raised the question if my social security number and other personal information is listed in someone else 's consumer file. Thus exposing all parties to identity theft. A data breach was not necessary as LexisNexis provided me the social security number along with a name for the individual listed in the bankruptcy.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I am a law abiding citizen. I am a XXXX of XXXX beautiful XXXX, and I have been married to my wife XXXX XXXX for XXXX years. We both work full time. 

I leased my dream vehicle which was a XXXX XXXX XXXX back in XXXX XXXX which I was supposed to purchase after the lease ended which was going to be around XXXX. 

I had problems with the vehicle immediately. I even got stuck XXXX XXXX XXXX XXXXearly 3 times. XXXX XXXXme a XXXX XXXX XXXX had to get me off the road because I nearly got struck by a bus. 

They had to replace the engine, I dealt with numerous service issues and phone calls to XXXX to come to an agreement to finally get out of this lease because the vehicle was shot. I spent hours and hours working on getting out of this vehicle because it is not operable and not safe for my family. 

XXXX decided to send me {$3000.00} and offer me a CDI discount on my next vehicle to help offset all these issues. A CDI discount is pretty much an employee discount. So I stayed loyal to the brand, I leased another vehicle, I had to roll in {$6000.00} into my new lease to pay off the full lease payments for the XXXX XXXX that was a lemon, and a defective vehicle. I didn't have time to go through lemon law process, my wife and I both work full time. We already spent hours and hours and days dealing with this vehicle that was not safe. 

After I returned the vehicle .... XXXX  decided to charge me {$740.00} dollars for wear and tear issues including tire replacements. I immediately called XXXX, which is nearly impossible to get a hold of. They told me numerous times that I had until XXXX to pay this balance because I paid {$6000.00} in advance, and they would not report anything on my credit. 

I couldn't even believe I had to end up paying {$740.00} for this vehicle. I kept trying to fight it, no one would help. 

Last month XXXX sent me to collections to a non reporting agency, I paid it immediately because I was so fed up. 

The agency told me nothing will be reported on your credit report because they are a non reporting credit agency. 

XXXX weeks ago XXXX took my score down nearly XXXX points and marked this as a charge off, and a non payment. I can not believe this. 

Please have someone call me XXXX. I have contacted the FBI, and they instructed me to go to the local authorities. 


I have attached all documents to this email chain. 

XXXX. XXXX  contract. 
XXXX. Payments showing on time. 
XXXX. Documents showing lease paid in full. 
XXXX. Documents showing all the service records which show everything. 
XXXX. Documents showing XXXX ruined my credit. 
XXXX. Document showing I had to sign an agreement not to go after XXXX but I was forced to sign this, I had no choice.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Wells Fargo and XXXX XXXX fraudulently signed me up for the Wells Fargo Visa Home Projects credit card, without my knowledge or consent, to finance a purchase of windows that I have not agreed to purchase. 

Please see the attached materials in support of the CFPB complaint. 

I request the CFPB to investigate the Wells Fargo Visa Home Projects credit card product line for widespread fraud and consumer abuses.
Product: Credit reporting or other personal consumer reports

To Whom It May  Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies from this credit agency as well as XXXX XXXX XXXX XXXX Account # XXXX are violation of several laws. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Since this credit agency has stated they have verified that these late payments are validate this means they have the certified mail XXXX label receipts to show the company XXXX XXXX XXXX XXXX has followed the law of 15 U.S. Code 1666b - Timing of payments in order to report late payments on my credit report without this proof from the credit agency and reporting creditor these late payments are fraudulent and against the law to be on my report. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer-generated confirmation. The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my XXXX XXXX XXXX. As well as the following Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 2. The date you contacted the individual furnishers information. 3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB. Please forward an updated credit report to me after you have completed your investigation and corrections. Your cooperation and prompt attention are required by law. Sincerely XXXX XXXX