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

Submitting through the CFPB Durable Power of Attorney unto Wells Fargo on behalf of my mother. ATTN The CFO of Wells Fargo, 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 Wells Fargo has continuously failed to act in her best interest, and has committed theft of her government assisted finances, promissory fraud, double entry booking fraud, and is in violation of its own policies and procedures regarding the FEDERAL RESERVE ACT, T.I.L.A. 42 U.S.Code 408 ( a ) ( 8 ) by obtaining my mother, XXXX XXXX XXXX 's social security number to open an account which is punishable under Title XXXX up to XXXX  years in prison, fines, and Restitution to victims enforced by The Commissioner of Social Security and representative payees, G.A.A.P, FEDERAL EQUAL CREDIT OPPORTUNITY ACT, The Emergency Bankruptcy Act and the list goes on Wells Fargo Banking Institution . Included in this complain I have attached a Signed and Notarized Power of Attorney Revoking WELLS FARGO 's and affiliates P.O.A. and appointing XXXX XXXX XXXX as her Power of Authority and I Am the Agent Acting on behalf of the Principal, XXXX XXXX and I am here to accept all principles, titles, rights, and interests that is owed to the principal, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently turned XXXX years old and attempted to get cell phone service in my own name. I was ultimately denied due to having a collections account. I never had any credit in my name so I knew it was a mistake. I pulled a copy of my credit report, and noticed there was a charge-off from Capital One dated in XXXX. In XXXX, I was sixteen years old and have never done any business with Capital One or any of their affiliates. I contacted Capital One multiple times between XXXX and XX/XX/XXXX, provided a copy of my ID that showed my date of birth, as well as the ONLY address I have ever lived at. The date of birth and address that they were reporting were not mine, yet they have refused to remove this account stating based on their records it was my account. The continue reporting this fraudulent account with incorrect information which is harming my credit before I can even establish any.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA this creditor ( XXXX XXXX XXXX has violated my rights under 15USC 16681 section 604 states I have the right to privacy. 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 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

In XXXXXXXX XXXX XXXXXXXX I was XXXX  with only XXXX XXXXXXXX income rating of XXXX XXXX XXXXXXXX which was roughly $ XXXX. I applied for a credit card with Navy Federal Credit Union and they gave me a credit limit of {$25000.00}. Nearly what I earn in year. Once I was unable to keep up with payments and started to fall behind in XX/XX/XXXX. Navy Federal stopped contacting me and warning me after 60 days delinquent. I always answered the phone and worked explained that the balance and interest rate are too high. I was making {$900.00} payments and being charged {$500.00} interest. They offered to reduce my interest rate when I called but failed to tell me that a {$1.00} payment would prevent my account from closing at the 90 day delinquency mark. I even called ready to pay and was unaware my account had been closed for weeks. It was never a serious offer. Navy Federal allowed my account to close at 90 days delinquent when I was willing and able to make the payments and plan they had offered. I was even told you spent the money by a random phone agent when negotiating a pay off plan. Simple put, they gave a $ XXXX credit card to a XXXXXXXX XXXX who could never afford it to begin with. I became employed and began to make more money and they let my account close without calling or warning my for the final 30 days. They are now taking {$120.00} from my account every two weeks for the last 6 months to pay off the $ XXXX balance.
Product: Prepaid card

I received an Amex American Express Gift Card as a present on XXXX of XXXX. 

I checked the balance and made sure the card was active online at the balance.amexgiftcard.com website as listed on the card. The starting balance was {$100.00}. 

I tried using the card for in store purchases, but it was denied. I then tried to use it for online purchases at XXXX XXXX and XXXX, but both were denied as well. Now, the balance shows {$99.00} despite not processing any of those transactions. 

I have tried varying amounts under {$100.00} such as {$9.00} as some people have suggested, but to no success. Many people have reported the same problem through the last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, the natural consumer, a natural living breathing woman, in Good Faith, would like to bring to the attention of XXXX XXXX, XXXX, and XXXX Ithat I have recently obtained my consumer credit report and it appears you are reporting and publishing inaccurate information allegedly about me in a consumer file to the Consumer Reporting Agencies. The creditor is listed as U.S. Bankruptcy Court / US BKPT CT IL XXXXXXXX ( you ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois XXXX 

This is my formalt request in asking XXXX XXXX, XXXX and XXXX to verify if your office reported any bankruptcy files to the Consumer Reporting Agencies? ( Please See Exhibit A attached ). 

I took the liberty of the disputing this very same information with the U.S. Bankruptcy Court / US BKPT CT IL XXXX ( you ) a/k/a The United States Bankruptcy Court for the XXXX XXXX of Illinois and they have replied to me stating that they can not and do not report to the Credit Reporting Agencies. ( Exhibit B ) Your conduct has caused me stress, financially harmed me with costs, economical/noneconomical damages, embarrassment, XXXX  anguish and loss of credit opportunity. 

Your conduct has caused me a stress, financially harmed me with costs and loss credit opportunity. 

The bankruptcy information that you are publishing about me is inaccurate and incomplete : ( XXXX ) The United States Bankruptcy Court for the XXXX XXXX of Illinois ; ( XXXX ) Case XXXX ( XXXX ) XX/XX/2018 ; ( XXXX ) Discharged/Closed. 

DELETE the bankruptcy tradeline from my file and mail me a copy of my updated consumer file. Inform any person that you reported the deleted information to that it was deleted from my report. Also, I recently applied for a mortgage and my report was frozen/blank ; unfreeze and release it! 

If you deem the disputed information are verified, then I request your method of verification. Namely, I request a description of the procedure used to determine the accuracy or completeness. At minimum, I request the business name, address, and phone number of all furnishers contacted. I also request the name, address, and phone number of furnishers contacted for the initial file data. 

You do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Thus, I request that you contact me to review credit information about me before you publish it. Also, I do not consent to you making money from use of my name and request all monies made. A facsimile or photocopy of this letter or my typewritten signature shall be treated as an original. 



I sent this While ago to all three Companies and they are still reporting this inaccurate information about me and has not removed it. The Court wrote a letter stating that they do not report this information to anyone, Please BLOCK AND REMOVE THIS INFORMATION BECAUSE THIS IS IDENTITY THEFT AND NOT A TRANSACTION INITIATED BY THE CONSUMER, THIS IS NOT A CONSUMER CREDIT TRANSACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account " XXXX. XXXX, XXXX " has violate my rights. 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 : also states a consumer reporting agency can not furnish a account without my written instructions This inaccurate reporting continues to plague myself and so many others, please rectify these on going issues.
Product: Checking or savings account

My bank account was frozen and garnished without any notice from Bank Of America on XXXX XX/XX/2023 I filed a complaint with the bank in XXXX. 
A notice of Bankruptcy and Auto Stay was filed on XXXX Bank Of America continued to take out fees knowing the account was frozen XXXX XXXX A notice of discharge was filled XXXX XXXX Motion to quash garnishment filed XXXX XXXX Dismissal of Writ of Garnishment filled I spoke with customer service /Legal Team at BOA for 6 months straight. 
I faxed over documents to BOA Legal team in XXXX to have the funds released. I was told that their name needed to be added on to the doc. 
XXXX XXXX I sent over the dismissal of writ to BOA which they said needed to come from the agency that filed even though it was the same court document that was e-filed with the courts and mailed to BOA attorney. 
I spoke with customer service on XXXX and was told to give it a few more days. I checked my account today and both my savings and checking account were closed w/o any notice
Product: Credit card or prepaid card

XX/XX/2022 I used the XXXX XXXX XXXX XXXX to prepay for gas. Rather than connecting to the pump system, the app glitched out and charged me three separate {$100.00} preauthorizations, for a total of {$300.00}. I tried to get support through the app, but XXXX has removed the ability to download or update the app for XXXX so I called XXXX 's customer service number XXXX, where I was told they couldn't help me and transferred me to their Payments department. Payments advised they could see nothing and that it should drop off the following day. It is now seven days later and I've called the general customer service line and requested a call back from management to try and get this fixed, been transferred to the Payments department again, then transferred to the XXXX XXXX XXXX department, where a gentleman reiterated that they don't know where my {$300.00} is and that a manager wouldn't help me any more than he has. When I requested to speak to a manager still, as I've been given different information and received NO communication in return as promised, he hung up on me. 

I called back and spoke to another agent that tried very hard to help me, but she was also told that it would " hopefully '' be back in my account tomorrow, but when I asked what I do if those pending auths don't drop off and return my money, she told me " I can't answer that because I don't know - we don't know where the money is. '' With the app tanked from the XXXX market, I can't use it to request support, my bank has assured me that the charges are pending on the merchant end and not theirs, and I have been told it can take up to 30 days for my money to be returned. I can not purchase gas to get to and from work. I can not purchase food, pet food or my medications, and NO ONE will help me, and no one from corporate has called me back as requested multiple times over the past seven days. My automatic payments can't go through, my credit score is dropping and my grocery delivery was canceled because XXXX has completely cleaned out my bank account and says they have no idea where my money is or when I will get it back.Through all of this, XXXX has been completely unhelpful and has given me different information each time I have contacted them, refusing to assist any further.
Product: Debt collection

Midland Credit Management filed a collection lawsuit on XX/XX/XXXX without giving notice or giving me the opportunity to request a verification of debt. I had moved on XX/XX/XXXX and submitted a change of address with the XXXX. The forwarding XXXX expired in XX/XX/XXXX. XXXX then claimed to have served me with a copy of the complaint and summons, by posting and mailing, on XX/XX/XXXX at property I had not lived in for 17 months! A simple search of property records would have shown the name of the owner/resident of such property. The documents were served by process server who did not identify anything about the property and failed to note the fact that the residence WAS NOT AN APARTMENT. Midland then filed for default judgment 20 days after claiming it had perfected service. I did not know this lawsuit existed until XX/XX/XXXX when a relative saw it on the Indiana electronic filing portal and emailed it to me. By time I could respond, the court had already rubber stamped the default. I am an elderly person who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to the stress this has caused, I was XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A third party ( identity theft ) opened a XXXX it credit card. Account ending in XXXX. 
used my information to make purchases. It was closed and I paid everything they stole. After investigations I was given a refund by XXXX credit company. Its now reporting negative and high delinquency on my credit report. As long as it was used by a third party ( identity theft account ) it should be removed from my account ASAP.
Product: Credit reporting or other personal consumer reports

Im certain I make my payments on time, but I dont know why this company is reporting late payments for some months. As per USC 1666b, any billing error should be corrected, showing my payments were made as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by one of my banks that the limit on a credit card was being decreased due to information on an XXXX credit report they just received. When I got that XXXX report, I saw that XXXX XXXX had reported negative information -- alleged non-payment and closure of a credit card. I NEVER applied for that card and never knew anything about it. When I spoke with the Synchrony representative, I was informed that the person who opened the account was in Florida, had no telephone number, no email and an " odd '' address. You would think this should have alerted the bank to suspicious circumstances and caused them to do some investigation before opening the card. I live in California and my credit reports from the three agencies have been flawless of decades and contain my correct address etc. When I requested that Synchrony fix this, they told me it could not be done in the 30 period I requested. As I understand it, they are required to look into this and cure it within 30 days. I want to report this failure and also the fact that I NEVER received any notice from XXXX XXXX that they were putting negative information on my credit report. This, too, is a violation of both the California statute and the federal statute. I would like the CFPB to open an investigation into both the improper diligence work by XXXX XXXX and their failure to follow the state and federal statutes for the correction of this situation.
Product: Debt collection

I requested verification on the alleged debt AD Astra Recovery Services , Inc is attempting to collect on. 
I called the company on XXXX/XXXX/2017 and requested verification along with the original lender 's information, so I may investigate the debt said owed. 
I also requested a copy of Ad Astra Recovery Services , Inc 's license number to verify if the collection company had the legal right to collect in the state of TN. 
I was told by the representative I do not need to know that information and he was not obligated to give me information on their license to collect. 
He also told me Ad Astra Recovery Services , Inc is licensed in all 50 states. I have learned the company is not license in the state of TN. 



This account was added to my credit report and I was not provided the information I requested to validate the said debt. 

This collection agency is not license to collect in the state of Tennessee. 


Please assist me in this matter
Product: Checking or savings account

On XX/XX/XXXX, I visited a TD Bank located at XXXX XXXX XXXX XXXX Fl XXXX. I requested four P.D.O in the amount of {$500.00} for each check. Funds were withdrawn from my personal savings. The following day I placed the checks in a white envelope and placed in a XXXX XXXX envelope at the US Post office located in XXXX XXXX XXXX XXXX XXXX, Fl XXXX. I was informed by the mail clerk that the priority envelope would be expected no later than XX/XX/XXXX. I continuously communicated with recipient and envelope was not received. I revisited the Post office on XX/XX/XXXX and was referred to a letter posted on the glass stating all packages were delayed ( have photo of letter ). Checking the tracking daily, the tracking read the priority envelope was located in the XXXX post office. On XX/XX/XXXX, I revisited TD Bank and requested a stop payment on the PDO Checks for the simple reason that the priority envelope was not received. I was provided with a Stop Payment Order for Money Orders and PDO Checks for each check and was told that XXXX XXXX would continue to work on it and would contact me. She did inform me that it would take about six months and I agreed that it was not a problem. On XX/XX/XXXX, I was contacted by XXXX XXXX and requested me to revisit the bank to sign some documents. Today when I went to meet that with XXXX XXXX, I was seen by the branch manager. He informed me the checks were cashed and there was nothing that could be done. No further information was given. The recipient did not receive the checks. Therefore, those checks were fraudulently cashed. I need someone to help me from Td Bank. I have several accounts with TD Bank, and I feel I was treated unfairly, and Td Bank used poor judgment in their part.
Product: Debt collection

In XXXXXXXX XXXX XXXX, a rental management company called XXXX XXXX sold a rental debt accrued under COVD-19 federal and state protections. This makes the debt multiple ways illegal. I've tried several times to have the debt removed by contacting the company through credit bureaus. They have not removed the debt, which has now accrued interest to beE $ XXXX and is preventing me from securing housing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
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 process XXXXwas untair an deceptive, as they disonor E 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: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITAL ONE, my XXXX report states that I have XXXX hard inquiries from you guys. I did not apply for an CAPITAL ONE product in the last XXXX  years. Please send me a letter via mail to the address on my CFPB file addressing XXXX to have those hard inquiries removed please. 
Again, - XXXX wanted me to contact CAPITAL ONE - Get CAPITAL ONE to mail me a letter address XXXX to have those CAPITAL ONE hard inquiries deleted, as they were not mine. 
- If possible, please expedite the mail. 

The dates on XXXX credit report from Capital One was XXXX. XX/XX/2022 XXXX. XXXX XXXX, 2022 XXXX. XX/XX/2022 2022
Product: Mortgage

My Mortgage First Bank Florida increased my mortgage payments. due to an error in the tax collectors office. The error has since been corrrected and the bank is refusing to lower my payments. 

I have emailed XXXX XXXX for over a month and he refuses to respond to my email. 

Can CFPB please intervene and assist me with getting my mortgage payments reduced to the correct ammount.