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

On XX/XX/2022 l deposited a check into my savings account at a Chase bank the amount was for {$6600.00} it was a settlement of a lawsuit the check was held until XX/XX/2022, the bank admitted to me yesterday they have the funds but my account remains restricted, l 'm supposed to get my pay which is direct deposited in my savings account and my social security check which goes into my checking account but the bank won't let me access my account my pay and my social security money have nothing to do with the lawsuit check, this situation is causing me great hardship, can you help me access my funds?
Product: Credit card or prepaid card

I made a purchase on XXXX on XX/XX/2021 for {$500.00} I didnt receive the majority of my order and when I reported it to wish they only refunded two items. 

I disputing with Fortiva and they responded with wish.come response-showing usps marked it as delivered. The items never arrived here and a couple and a half months after I gave up on this issue ( 3 weeks ago ) someone knocked on my door but left an oversized mailing bag full or random items I had ordered. I was happy that I finally got it but now that Im trying it on the stuff was not as advertised!! It is overly small and most items are are through!!! When contacting Fortiva they state I have no further option to reopen the dispute/further dispute!!
Product: Debt collection

I had XXXX XXXX at XXXX  XX/XX/XXXX There was one test that Medicare said wasnt normally covered but since I didnt know they covered it! Even if it was not covered it would have gone to my XXXX XXXX XXXX XXXX  XXXX Gap insurance etc .... then 9 months later in XX/XX/XXXX XXXX submitted the same bill again to Medicare ... it was disputed & dropped of My credit report! In XXXX XXXX had a security breach & when I went to drop a test off in XXXX XXXX they said I had a balance of {$100.00} from the test back in XXXX. I said that was already resolved years ago, I had to call Medicare to have them send my files from XXXX to submit to XXXX. I checked on credit karma and that account was closed so I cant even dispute it a second time! XXXX  wants another 30 Days .... I dont have that much time I need to trade in my care & move by the end of the month and this just dropped My credit score 50 points & I dont know how it got back on my credit report a few weeks ago when this was already settled years ago!!! ( XXXX XXXX XXXX breach Im guessing ) but that number no longer works Ive spent hours on the phone disputing this bill that was already settled and off my record years ago & need to get it off my report immediately!!!!
Product: Debt collection

Portfolio keeps contacting for a debt that is more than 7 years old. They are a third party collection agency and call me at my job. 
I want all calls to cease and desist both to my work and home.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 accounts on my credit report that do not belong to me I have been trying to contact the bureaus by mail or phone regarding this since XX/XX/2020 and they have done absolutely nothing about this I need this taken care if because it is affecting me in a negative way and these are not my accounts I should not be wasting my daily time to write letters open FTC and other reports to prove they are not mine. 

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have sent disputes to all 3 credit bureaus and CCS Credit Collection Services to remove the collections account for XXXX XXXX from my credit report. The reason given is the debt was settled for less than the original balance. However the debt has been paid settled and is no longer considered an outstanding debt in collections. I have a paid in full letter from the original creditor XXXX XXXX. 

I want to include XXXX as part of the Credit Bureaus listed separately below.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block Inc. ) because of inadequate customer service and unfair practices, which is in violation of the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to make you aware that I have been a victim of identity theft and am not responsible for the following 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 I am demanding deletion of these items from my credit report. I have already reported the theft of my identity to both the Police and Federal Trade Commission and I also have enclosed copies of the Police Report and Federal Trade Commissions Identity Theft Affidavit for this case. 
Section 605B states that if A account is the result of identity theft, then it must be removed from my credit report. 


THIS REQUEST HAS NOT BEEN MADE IN ERROR I DID NOT OBTAIN POSSESSION OF GOODS I DID NOT RECEIVE SERVICE OR MONEY AS A RESULT OF ANY TRANSACTION ISSUE. 
THIS IS ME ( XXXX XXXX XXXX ) SENDING IN THIS REQUEST DO NOT SEND ME A STALL LETTER ABOUT ANY THIRD PARTY OR CREDIT REPAIR COMPANY I HAVE INCLUDED MY IDENTIFICATION
Product: Checking or savings account

On XX/XX/2020 My Deposit account received a electronic deposit for the amount of {$610000.00}, at which time, the financial institution refused to release this deposit, they availability of these said funds were delayed numerous times, each following a different explanation as to how this is part of the policy and follows in accordance with the account agreement that I signed and agreed to when I opened and funded the account, after numerous failed attempts to resolve the delayed accessibility issue, I reached out to the Executive Corporate Management Office, at which time I expressed my concerns as a consumer on how I felt that my funds were being withheld and improperly managed, this led to XXXX escalating the complaint and followed up in regards to this matter 17 calendar days after which it was filled. 

On XX/XX/2020, I requested a cashiers payment check be sent to me via mail, as I am not within close approximately to a physical branch. The Associate I spoke with via the customer service hotline, assured me that the check was ordered and I should expect to receive it, at the same address as to my other account related documents are sent, within 2-3 business days. I waited 7 Business days and attempted to gather a conclusion or statement as to where this payment may be, at which point I was Misrouted, given incorrect information and told there was nothing further they could do to assist me with this matter, as of XX/XX/2020 I still await for this said payment, There are no options or other course of action as I was previously advised that, once I receive the payment I can then bring it to a branch where it would be destroyed and my deposit account would thereafter be credited to the amount of payment. 


On XX/XX/2020 I received information from a vendor stating that the financial institution where my assets are held, divulged incorrect, defaming information that resulted in the vendor declining any further transaction. Not only did this institution slander against my credibility, details that have no meaning or bearing to my credibility and or characterizes were falsely disclosed in a deceiving manner.
Product: Debt collection

I 've called back to have them stop and told them they are not allowed to call my employer. They repeatedly told me they do have a right to contact my employer. Refuse to stop contacting my employer.
Product: Checking or savings account

I completed a transaction for {$260.00} for the Nevada DMV with my debit card.

That day the transaction was posted on my account right away as pending.

That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do  maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. 
This is the second time that they do this to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my frustration and dissatisfaction with the handling of unauthorized transactions processed through my account during the years XXXX, XXXX, and XXXX. 

Despite my attempts to resolve this issue, I have repeatedly been informed that there is nothing your team can do about these transactions. This response is both unacceptable and concerning, as it raises serious questions about the security measures in place to protect your users from fraudulent activities. 

During the aforementioned years, there were several transactions that I did not initiate or authorize. Upon discovering these discrepancies, I promptly contacted your customer support team to report the unauthorized transactions and seek assistance. Unfortunately, I was left with the impression that my concerns were not taken seriously and that there was no willingness to investigate these issues further. 

As a customer, I expect Zelle to prioritize the security and integrity of its service. The lack of support and actionable solutions in response to unauthorized transactions not only undermines my confidence in your platform but also has put me at significant personal and financial risk. 

I urge you to take my complaint seriously and look into this matter further. I would appreciate a thorough investigation into these transactions and a clear explanation of the steps Zelle can take to prevent such issues in the future. Additionally, I request guidance on how I can secure my account to avoid any further unauthorized access. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 11 inquiries on my report that are a result of ID theft. All these inquires showed on on my report in XX/XX/XXXX with out my knowledge or consent. I need to have these items removed immediately. I have file complaints with the FTC and local law enforcement in relation to this issue.
Product: Debt collection

On XX/XX/2019 i received a notifications from XXXX, and XXXX that a new collections account was added by a collection agency call Enhanced Recovery Company in the amount of {$2100.00}. I have never been contacted by them, received a letter or anything. I contacted them and all they are just verbally saying us the debt is mine without any proof. I dont even owe this debt, they didnt send me any notice in the mail for validation and or verification that this debt is mine. I truly believe they dont have the right to report this information on my credit.
Product: Credit reporting or other personal consumer reports

I notice on my credit report there are inquiries that I did not authorized. I believe i'm a victim of identity theft because of this and would like these inquires to be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file. 
XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOPENED A FRAUDELENT XXXX XXXX  CREDIT CARD ACCOUNT ON XXXX XXXX XXXX WITHOUT MY PERMISSION.
I HAVE CALLED THE SPECIALIST FRAUD DIVISION ON THE ABOVE TELEPHONE NUMBER  WHO ADVISED ME TO FILE A REPORT WITH YOU.
NO LETTER WAS SENT AND NO CONSENT WAS TAKEN
Product: Credit card

Synchrony Bank did NOT adequately remind me that my promotional " Zero Interest '' was nearing it 's completion. I set up and fully executed a {$300.00} am month automatic payment AND, here 's my mistake, EMAIL statements, trying to save a tree or XXXX. The combination of automatic payments, email 's whose only subject was " Your statement is ready '' and human nature, I missed the end of the promotional period. I originally borrowed {$9000.00}, paid it down to {$3600.00} and then they added MORE THAN I OWED in interest : {$3700.00}. I paid two more auto payments before I noticed on the statement that I owed something like {$6800.00}, which was a whole lot more than my Quicken account had on it. Two calls to the company provided no relief. 

It is true that they are within the provisions of the agreement. They won the game. I lost, and yet I feel liked I got XXXX. When I reviewed my email statements, the ONLY place in which they gave me what I presume to be the legally required notice regarding the pending end of the promotional period, was on the statements which I had to open online and were NOT distinguished in anyway. Apparently, the law does not force them to make the " end of promotional '' statement stand out. This company probably complied with the law but NOT any concern for making me aware of my pending XXXX. 
At the very least, I believe they should be legally obligated to announce the pending end of the promotional period IN THE SUBJECT LINE OF THE EMAIL. I believe the laws are inadequate in this regard. 

I have the money and will certainly pay it off and close the account, but I 'd sure like a response from someone about this before I do so. I also at least intend to call attorney 's I found online who stand ready to sue this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Capital One/Menards , has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681 Section ( 2 ) a, i : Report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card

On XXXX XXXX XXXX I purchased an XXXX  XXXX  from XXXX using the monthly installment plan on the Apple Goldman Sachs card. The item was cancelled due to deliveries not being able to be made from XXXX  XXXX. Apple cancelled the order for me no problem. Goldman Sachs Apple Card refuses to remove the {$790.00} item from my bill. I have unknowingly made three monthly installment payments on the item. Goldman Sachs Apple Card refuses to refund my money. Apple has confirmed the order was cancelled and I should not be charged.

After months of speaking with the Goldman Sachs Apple Card dispute team, they refuse to remove the charges and issue a refund for the monthly installment payments I have made. Apple has provided proof to Goldman Sachs Apple Card that I should not be charged and should be refunded. The Goldman Sachs Apple Card dispute team has told me repeatedly that supervisors on their team keep entering my dispute incorrectly. I find that hard to believe. The company is engaging in unethical practices.
Product: Checking or savings account

My initial complaint to HSBC started way back at the beginning of XX/XX/2023. I basically simply tried to submit XXXX bank to back transfers via HSBC 's website and the payments went missing/ were rejected. I contacted all the various emails and phone # 's that were detailed. No one had a clue at HSBC about what happened to my payments. HSBC Premier Team never responded, HSBC Customer Service rep promised to call me back... still waiting for the call. Since then, it's all been a complete cover-up by HSBC as to their own " internal investigation '' about what happened. We are almost into XXXX and this has still not been settled to my satisfaction. It's been a very distressing experience for me and I am also a HSBC Premier customer. I dread to think how they treat a regular customer. I've been thrown from pillar to post, even XXXX promised getting back to me at various specific times and that was unfortunately a classic case of over-promising and under-delivering.
Product: Debt collection

Certainly! Heres the debt validation letter for the two Capital One accounts : I am writing to formally dispute the collection accounts listed on my credit report under Capital One for the following amounts : {$1200.00}, opened on XX/XX/XXXX {$860.00}, opened on XX/XX/XXXX I do not recognize these debts, and I am asserting that these accounts were opened as a result of identity theft. Therefore, I request the immediate removal of these accounts from my credit report and demand that you validate the debts as required under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX. 

As specified under the FDCPA, I request that you provide the following validation of these debts : 1. A copy of the original contract or agreement bearing my signature ( if applicable ).

2. Proof that Capital One has the legal right to collect these debts.

3. A detailed statement showing how the balances of {$1200.00} and {$860.00} were calculated and any payments made. 

Additionally, I am providing a copy of the identity theft report I filed with the relevant authorities. This report substantiates my claim that these accounts are the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, once it is determined that an account is fraudulent, the information must be removed from my credit report. I am requesting that Capital One immediately notify the credit bureaus and take appropriate action to remove these fraudulent accounts. 

If you fail to provide the requested validation within 30 days from the receipt of this letter, or if you do not remove these accounts from my credit report, you will be in violation of the FDCPA and FCRA. In such case, I will pursue further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm receipt of this letter and provide me with the requested documentation as soon as possible.
Product: Credit reporting

XXXX/XXXX/16 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services , LLC . 
XXXX XXXX XXXX, GA XXXX XXXX Account Number Num : XXXX Balance {$190.00} Dear XXXX, I am writing in regards XXXX account on my credit report. On XXXX/XXXX/16 I have file a complain to the CFPB I sent a letter explaining that I do not believe I owe what you say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC XXXX, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I must remind you that in my previous letter I requested the following information : ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) ( 5 ) Provide the actual Bills Statements ( 6 ) Payment Receive I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt. 
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }. 
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA. 

I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX, the Federal Trade Commission and the XXXX XXXX. 

XXXX XXXX
Product: Mortgage

We have our home loan with bank of America as we have a grace period on when it has to be paid before a late fee is added & we get phone calls from them all the time asking when payment will be made as we tell them we have till a certain day to get it paid so why are you calling us & they say to get payment - hello were still in our grace period.