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

I wrote check # XXXX out of our Wells Fargo account on XX/XX/2023, and it was stolen out of the mail. The payee was changed and it was cashed at XXXX XXXX  in XXXX, XXXX. They had also attempted to change the written amount, which did not match the numeric amount. Wells Fargo asked me to submit an affidavit stating the check had been altered, which I did, and after 90 days told me the bank of deposit ( XXXX  ) claimed it wasn't correct. Wells Fargo asked me to resubmit another affidavit, saying the check was counterfeit, which I did on XX/XX/2023. 

XXXX XXXX, the client service officer handling the case just emailed me ( XXXX ) to say they " were unable to retrieve the funds, '' and that I should file a police report ( which I already did on XX/XX/2023 ) at the XXXX precinct in XXXX XXXX. 

Wells Fargo is obviously acting in bad faith and not protecting me from fraud, even though I used best practices.
Product: Credit card or prepaid card

I have been divorced since XX/XX/XXXX. In the Divorce Decree, my ex-husband, XXXX XXXX XXXX, acquired The Bank of America XXXX ( and his attorney had me sign and notarize a Customer Removal Authorization. ) Unbeknownst to me, my XXXX retained and continued using a BOA XXXX credit card without removing my name. Unfortunately, my XXXX passed away XX/XX/XXXX. I had no idea he was using this card and that I was a " co-loan signer. '' In XX/XX/XXXX, I received a bill for {$880.00}, stating this bill was past-due. It was not an itemized bill, so I had no idea what that amount was for, but I knew those charges were NOT made by me. As a matter of fact, in the last XXXX years since my divorce, I never charged anything or received a statement from BOA. I don't have this credit card in my possession. Since receiving this XXXX statement, I have spoken to multiple BOA agents, including Customer Service, Collections, Fraud, XXXX XXXX, and Dispute employees and Supervisors to no avail. I received a second overdue statement XX/XX/XXXX, in the amount of {$910.00}. Still no itemizations. My credit score ( normally XXXX ) has plummeted. I also supplied relevant legal documents ( XXXX XXXX and XXXX XXXX ) to Bank of America.
Product: Credit reporting or other personal consumer reports

I am filing this report for myself and this is not a third party. My name is XXXX XXXX XXXX and I am being taken advantage of by XXXX, Equifax and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Debt collection

I received a bill in the mail from a Commonwealth Finical Systems indicating I ow money for services that occurred in 2013 with a XXXX XXXX Emergency provider. This is not my debt! There was never any services provided by this provider in 2013. After researching I noticed there is another XXXX XXXX XXXX with the same exact birthday that lives XXXX and notice there is no ( R ) at the end. This company started to report this on my credit file and I am in the middle of trying to purchase a home. This is a huge mistake that is costing me and my family our HOME!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( XXXX ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX and due to a hardship caused by COVID, XXXX XXXX agreed for me to defer payments. I have attached a copy of their correspondence for verification of my conversation with a XXXX XXXX representative. This false reporting of a late is seriously harming my credit score and this line item needs to be updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Checking or savings account

On XX/XX/year> I ordered a XXXX cigarette from revolut in the amount of {$500.00} I received the item the next day but it was damaged from shipping which made the item unusable. 

I promptly contacted the merchant via customer service who instructed me to return the item and I would receive either a replacement or a refund. 

I returned the item in store on XX/XX/year> and was told they would start an investigation with the shipping company because it was damaged during transit After the investigation I was informed they would not be issuing a refund nor a replacement and was told to file a claim with the shipping company. 

I have forwarded this information to Chime Bank in hopes of a dispute, but after speaking with chime customer service via phone call the lady was unable to help
Product: Mortgage

Over  one year ago I contacted the mortgage company to find out what we had to do to get the PMI removed from our mortgage. They would not even give me any information and said they would mail me the information I needed. They sent out refinancing applications. I do not want to refinance the mortgage I just want to stop paying PMI. I have over 35 % equity in my home and my PMI should have been removed after having only 20 % equity. I called them again 2 weeks ago and  they still said I can not talk to anyone about this issue and they will mail me information. To this day, I have not received any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Their has been unauthorized use of my credit report. I submitted a dispute with the credit bureaus on XX/XX/XXXX in regards to unauthorized, inaccurate, and fraudulent accounts on my credit report. This is unacceptable and in violation with the FCRA and FDCPA. A furnisher must not furnish inaccurate consumer information to a Credit reporting agency, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate, fraudulent, or incomplete. I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Ive been affect by the XXXX XX/XX/XXXX data breach and XXXX XX/XX/XXXXdata breach. Someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate these accounts. I do not validate these accounts. Therefore, the following accounts must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
Product: Credit card or prepaid card

On XX/XX/2021 I called Capital One to request a refund of a credit balance. The representative advised me that it would be at least 10 business days before I received the refund. I advised him that timeframe was not acceptable to me. In fact, it does not even take that long for me to pay the bill. I explained to him that ten business days was almost a month. He said it would be XX/XX/XXXX. I am not sure what calendar he is using but the XXXX would be ten calendar days and not ten ( 10 ) business days. I asked to speak to his manager. He put me on hold for about five ( 5 ) minutes and I was then connected with a " Senior Supervisor. '' I explained to the lady that I did not want to speak to a supervisor. I advised her that this had nothing to do with her personally but that it was more due the previous two problems that I had with a " supervisor '' with Capital One and that both issues remained unresolved. She explained to me that there was nobody above her that I could speak with. This is 100 % not true. If it were, that meant she is the highest ranking individual at Capital One. I know this is not true, she knows it is not true. In fact, here are a few that are more senior ranking than she is : XXXX XXXX XXXX
Product: Checking or savings account

Someone created an online banking account in my name with my information .The Bank they used was Wells Fargo they have taken my whole identiy and used an number that is not mines and a email address that is not connected with me. I have contacted the bank Wells Fargo and no results they are unwilling to close the account because they say " I have to verify the email address and phone number. '' I went to a local branch and requested to speak with a branch manager and no results either this happened in the beginging of XXXX as much as I can recall I recieved bank statements with the person who is pretending to be me where they do online bank transfers. I am a victim of identity theft please help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft as a result of the XXXX data breach. Fraudulent activity has affected my credit report. These accounts were not authorized by me and are now negatively impacting my creditworthiness.
Product: Checking or savings account

Company : XXXX  [ Coinbase ] I have been an customer for XXXX XXXX XXXX XXXX for a while and since first week of XX/XX/XXXX my account is disabled and unable to access. My account has around 25,000 USD hard earned funds. I have made more than 20 customer service calls and opened a customer support Case # XXXX on XX/XX/XXXX. It's been one month now and no resolution and giving me mental torture with standard template message saying " '' Thank you for reaching out Coinbase Support! I apologize if this has been taken so much of your time. We have been receiving a high volume of escalation recently and we are trying are best to respond as fast as we can. '' '' Please help and one month is lot of time for any financial company to resolve customer high priority issue.
Product: Debt collection

This was a phony call and they used a phony last name, not mine. I have no debts that are unpaid and an excellent credit rating ~ 800. 
They have made robocalls repeatedly from various phone # s ( XXXX ) and asking me to call XXXX ( Amerifinancial ). I believe it is a scam. They are an extreme nuisance and It is likely they are doing this to many others, especially retired people. We have received several calls from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried yo reach out several times to this company about this fraudulent account that i did not open i don't even know what type of account this is i have wrote this people i have tried to call and email them and they have never responded they are reporting that i am paying or paying i have asked them to show me where the payments are coming from i have never paid them XXXX dime i didn't open this account i asked for contract with my signature and they still have never responded
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$310.00} XXXX XXXX XXXXXXXX Balance : {$130.00} XXXX XXXX XXXXXXXX Balance : {$1000.00}
Product: Credit reporting or other personal consumer reports

Please delete your info on my credit report XXXX XXXX Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I noticed a charge of {$24.00} on my bank account taken out on XX/XX/XXXX. The merchant description was XXXX* Credit Report ( XXXX ) XXXX CA. I called XXXX  to file a compliant and they claim my account is free and never charged my account. I disputed this transaction with the bank and they said I had to call XXXX. The money was clearly deducted from my account and someone has the funds.
Product: Debt collection

They claim i owe XXXX XXXX XXXX this account has not been in existence since XXXX  this account was already settled 6 years ago with the creditor they have ruined my credit with this and know XXXX  has removed in less than three days after reporting and i have a dispute pending with XXXX as they have filed false claimand it is know on my credit report as well. I have disputed it as well they send me a document asking me to provide them with information regarding this matter i told them i dont have information for this matter you put this on my credit report you should have the information they asked me my name my social security number then told me they can take it off my credit report for a fee of XXXX trying to jeep put out of there moneyh
Product: Money transfer, virtual currency, or money service

I originally filed a complaint against block/cashapp and I am submitting another complaint and report with the CFPB and FTC federal trade commission regarding the unauthorized transactions and the unethical practices cashapp/block used after I submitted my original complaint to the FTC and SEC and CFPB for FALSELY violating their terms and procedures. 
And since then not returning {$14000.00} dollars to my account in unauthorized transactions. Also making over two hundred false transactions between me and another cashapp/block user. Cashapp/Block has made my account unusable and has produced over two hundred false transactions between me and another user to cover up the original complaint to not refund my money back to my account. Instead they placed false transactions between me and That user to make it seem as if its true therefore not refunding my money back to my account which has already been a hindrance for me. I have the original statements and transaction history and details of unauthorized transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account closed by credit grantor is still showing on my XXXX report even though it was closed on XX/XX/2011.This is a fair credit reporting act violation. It is older than seven years. I have tried calling, but I keep getting the run around.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX days before the payment due date. 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

On XX/XX/year> I filed a dispute with XXXX Contesting that my account with Shellpoint Mortgage servicing was incorrect. On my credit report it showed a balance of {$110.00}. This loan was paid off on XXXX. 
On XXXX XXXX Shellpoint filed a 30 days late payment with XXXX and XXXX. This tanked my credit rating, score dropped about 120 points. They didn't file it with XXXX, the XXXX I filed the dispute with. 
Since that time Shellpoint started billing me with so called " fees '' that I have to pay. I think that if I don't pay. they will file more late notices with XXXX 's. Until they completely ruin me. I depend on having exceptional credit being self employed. 
Shellpoint has to be the worst financial company in the XXXX. They lie, cheat, steal. I asked Shellpoint to close this account on XXXX with a payment of {$45.00} for " fees ''.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 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, 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. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXXXXXX XXXX XXXX XXXX XXXX  pandemic during the covered period.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Early Warning, is used to verify banking history. They do not provide a way to access your information online or a dispute process other than to MAIL them a letter and include DANGEROUS information susceptible to fraud.

I should not be REQUIRED to MAIL a signed and dated Consumer Identification and Certification Form, a copy of one form of identification ( Drivers License, ID Card, Passport or other government issued identification ). What better way to steal someone's identity than to send a driver 's license through the postal service to an anonymous company and their anonymous employees?

They list a " secure portal '', but there is absolutely no link to access it anywhere on their website.
Product: Checking or savings account

On XX/XX/XXXX Suntrust allowed XXXX to withdraw {$1100.00} from my bank account, without my approval, using a debit card ending in ( XXXX ) that was no longer active for it was closed by Suntrust on XX/XX/XXXX due to fraud. XXXX was never set up on automatic withdrawal for I would have to go into my account each month and submit a one time ACH payment. XXXX never had my routing number or my bank account number only the debit card information ending in ( XXXX ) which again was used for one time ACH payments. Attached is a timeline along with other proof documents which goes into detail our experience with XXXX. On XX/XX/XXXX we left XXXX due to months of dealing with their billing incompetence. There is no contract for service only for the devices. After we left XXXX they sent return boxes and labels. I returned all 4 phones ( proof attached ). I then received a bill for {$1100.00} which is obviously not correct for we only owed them one month of service. I then received a letter from a collection agency dated XX/XX/XXXX for the same incorrect amount {$1100.00}. On XX/XX/XXXX Suntrust allowed XXXX to withdraw the {$1100.00} using the closed debit card ending in XXXX. I placed a claim with Suntrust that day. Suntrust never retruned my funds while investigating and then denied my claim before they even received my proof. I submitted a rebuttal which after 45 days was denied for their decision did not change, I provided 17 pages of proof to back up my case. I did receive 2 reasons from Suntrust while speaking to two different agents for why XXXX was allowed to steal my money, both were different reasons. 
1. Suntrust stated I had a contract with XXXX therefore they allowed them to take an unauthorized payment ( Suntrust is my bank and a 3rd party that should not have been involved in civil matter ) 2. Suntrust stated XXXX was able to use a prior one time ACH payment approval code to push the unauthorized payment through on the closed debit card. ( I do not see how that is lawful for a one time ACH payment is for a specific amount for a specific date and is a one time payment )
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft account opened under my name with Portfolio Recovery. I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for Portfolio Recovery,  XXXX ,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all  XXXX  credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by   XXXX   XXXX   that my score has been declining, and the accounts we 're opened without my consent. Inaccuracy, Fraudulent, major errors   XXXX   1. Portfolio Recovery   XXXX    accounts 2.   XXXX   XXXX   3.   XXXX   4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.    XXXX   XXXX    XXXX  1 .   XXXX   XXXX   2.   XXXX   XXXX   3.   XXXX   XXXX   XXXX   4. Portfolio Recovery  XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Debt collection

Collection Bureau of Ft. Walton Beach , INC sent me directly to collections for an XXXX bill dated XX/XX/XXXX. The amount is {$290.00}. This is the first I have heard of the bill as we were never sent any request for payment in 6 years. I was XXXX XXXX XXXX and hit by a drunk driver. My insurance should have covered all charges. 

Multiple letters have been sent by my parents, XX/XX/XXXX, being the date of the last letter sent. My mother has called twice and been hung up on. I have called 3 times and was sent straight to voicemail. 

I want to emphasize that this was 6 years ago and we were completely blindsided by this debt collector. We never received any bill from them. They instead, send us directly to collections 6 years later.