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

Today XXXX I went to my local Atm to withdraw money to pay so bills and it said call the bank. So I said what and I looked at my emails and say that my deposit hit the bank and called them. They said cause they had unusual activity and it was a purchase at XXXX drive thru. I said for that you shut down the card for XXXX cents when I have XXXX in the account and that purchase was four days ago. They said they unlocked my card so I hung up went to atm and it still wasn't working. So I called back again they said you at atm try I did still nothing and we is that 5 times cause agent on phone said that to me so I did.then I was transferred to a supervisor and she wasn't nice said well we need you to go to bank and verify your identity again I said again. So I was driving there and just checked the online app again and it wasn't working so I called bank of America and they said we closed your account I said why and where my money they said they did it cause of business and my money will be mailed after they are done. That was my rent it can be 6 to 8 weeks they said I can t afford that I am not rich and I need it back they hung up on me I called back and they said not there problem.thank you XXXX XXXX
Product: Checking or savings account

Mailed a money order to pay off my Chase credit card bill. It was for {$1000.00} but they only credited my account for {$100.00}. When I explained to them that they mistakenly put in the wrong amount, they told me the money order was only for {$100.00} and sent me a copy of the money order. They had covered all the original typed numbers and wording of the money order and hand wrote the amount of {$100.00} above the original writing. Luckily, I had taken a picture of the money order before mailing it in. I have sent this copy to Chase Bank, but they have only " temporarily '' given me credit for the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a freeze on all my credit reports Equifax which Ive tried to get help with for months has giving me a hard time. They are reporting 5 inquiries on my report. Which I did not do business with the other companies which is unauthorized unrecognized fraudulent. Which I only ran credit with XXXX XXXX. Also Equifax. Id report my credit usage incorrect every month its XX/XX/2023 & they claim that they havent received any update from the credit card company which the card company reports every XXXX of the month & my other 2 reports got the updated which is reporting had 100 % credit usuage which is incorrect & Equifax does this every month.credit one bank updated on XX/XX/2023. Also they report an account from XXXX XXXX  which has been deleted from all my reports expect Equifax a forgiven debt which went through irs. They updated the balance to XXXX XXXX after calling but still on there. They keep reporting wrong information, never been interested in credit the way I am now so trying my best to be responsible but companies make it hard
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : Portfolio RECOV Assoc
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ).

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 

XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft.

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX
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 was unfair and deceptive, as the did not comply with error resolution requirements under the Electronic fraud Transfer act ( EFTA ) and regulations E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway Company or Organization : XXXX XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$480.00}. 

Company or Organization : XXXX Date that I discovered itXXXX Total fraudulent amount : {$420.00}. 

Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$920.00}. 


Company or Organization : XXXX XXXX XXXX XXXX  Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$5000.00}
Product: Credit reporting or other personal consumer reports

I have opened a complaint against this company for 2 accounts that have been responded to by the company showing this is not my account but a person with a similar name, but different middle name than mine, and an address that I have never occupied or had knowledge of. Now that I have filed a complaint, they are reporting again with an additional account. All accounts have not been able to be validated and show they are not my accounts. This seems to be an ongoing issue and now that a complaint has been filed, it seems like a retaliation for me to have to address disputing another account that is not mine. I have disputed multiple times and they refuse to correct this issue. This is in violation of the FDCPA and legal action can be taken
Product: Checking or savings account

On XX/XX/XXXX, I logged into my account with NFCU and requested a check of {$220.00} be sent from my account XXXX to my XXXX account. Normally, when this payment is made, it comes from a different account- ending in XXXX. 

When I submitted my payment, I changed the drop down box to be the account ending in XXXX, however NFCU still debited my account XXXX. In doing so, they twice debited the account and charged {$29.00} NSF funds. 

NFCU has been unwilling to admit their error, and will not refund me the {$58.00} in fees I have been charged. I believe this error was made on their part because of their buggy bill payment service, and not a mistake on my part. I would never schedule a payment for an account with no money in it.
Product: Credit reporting or other personal consumer reports

I would like to ask for the 1099c filled with the IRS when my Accounts personal and business with XXXX was charged off. 
IRS regulations ( 26 U.S.C. 6050P ) require certain entities to file information returns with the IRS and furnish information statements to debtors, reporting discharges of indebtedness of {$600.00} or more. 

I need this to file my back and current taxes and be in compliance with the IRS rules. 
I will also like any and all the statements from my personal and business accounts be mailed to me at my address. 

i XXXX XXXX, A FEDERALLY PROTECTED CONSUMER, I AM writing to formally request to opt out of any and all authorization i the consumer may have given you, verbal and nonverbal, written or unwritten to the sharing of my nonpublic personal information or account with of your affiliate and nonaffiliated third parties, as well as any and all affiliates of XXXX XXXX XXXX XXXX XXXX ( XXXX ), as permitted under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S.C. 6802, and any other applicable state or federal laws. 

Request Details Personal Information : My names is XXXX XXXX Account Number : Any personal or Business Accounts with your company I exercise my right under GLBA to prohibit the sharing of my nonpublic personal information with nonaffiliated third parties and request that this opt-out apply to any and all affiliates of of your company, unless such sharing is legally required or explicitly exempt under applicable laws. 
Scope of Request : This opt-out request applies to all nonpublic personal information your company and its affiliates currently hold, have collected in the past, or may collect in the future.

Applicable Laws and Protections Gramm-Leach-Bliley Act ( GLBA ) : Your company is required under GLBA to notify me of my right to opt out of sharing nonpublic personal information with nonaffiliated third parties and affiliates where applicable.

GLBA obligates XXXX and its affiliates to honor my opt-out request and implement appropriate measures to safeguard my information. 
Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681 et seq., I assert my right to restrict sharing of information related to my creditworthiness or other sensitive financial data with affiliates.

State Privacy Laws : If there are additional privacy protections provided by state law where I reside, I assert those rights as well to restrict information sharing with affiliates and nonaffiliated third parties.
Product: Debt collection

Letter received by Gurstel Law Firm XX/XX/2022 indicating a debt owed. I do not have any relationship or contract with Gurstel Law Firm. On XX/XX/2022 a USPS tracking XXXX a letter was sent requesting the following : 1. The amount you claim the Principal owes on said account ; and 2. An explanation showing me how Gurstel Law Firm computed the amount ; and 3. The identity of the original creditor ; and 4. Confirmation that the account has not exceeded the statute of limitation ( SOL ) period ; and 5. Evidence that you are a licensed debt collector in the STATE OF Arizona ; and 6. Evidence of your license numbers and your registered agent ; and 7. Certified Final Forensic Internal Audit of said account 8. Tax Registration Certificate.

9. A rebuttal 10. A wet ink signature I gave them 10 days to respond, but it took them 20 days and the response did not include anything stated above. They decided to send a letter, but no documentation of any contract between the parties. 
This is harassment as 1. there is no debt owed between XXXX and GURSTEL LAW FIRM 2. GURSTEL has not been able to prove that a contract exists between the parties. 
3. GURSTEL continues to send large packets of paper that has no evidence of relationship between the parties. 
According to 15 USC 1692 C - A debt collector can not contact me without my consent. I gave no consent for this company to contact me in the first place, but they have continued to contact me without basis.

15 USC 1692b- they have stated they are in the business of collecting a debt. I have no context for this relationship or debt with this company.

15 1692d ( 2 ) Inappropriate language - sending me a letter indicating " debt '' has been troubling. I have tried to resolve this, however they have not responded appropriately.

15 USC 1681n - GURSTEL is in willful non compliance by continuing to ignore the consumer request to verify the account and validate the debt.
Product: Credit card or prepaid card

I don't recall any charges and the time they were made
Product: Mortgage

I am a customer of direct who offered me 90 days modification during hurricane Irma. I made XXXX  and XXXX payments on time but the XX/XX/XXXX payment I attempted to pay but their office was closed and their automated system will not accept my payment. I then attempted to schedule a payment on the last day of XX/XX/XXXX however their office was closed again. Their documents states their office is opened on Saturdays however the system stated the office was closed. I called customer service and they stated my modification will be denied since I did not make the XXXX payment on time. They did not offer any more options. What do I do I'm this case??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AL XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Date Opened Balance {$810.00} XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX XXXX {$730.00} XXXX XXXX  Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX Inquiry Date XX/XX/XXXX XXXX XXXX I Inquired on XX/XX/XXXX 2022
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hi. I have a CD with Synchrony Bank that matured on XX/XX/year>. I called on XX/XX/year> to withdraw the funds and was told I would incur an early termination fee. It's not clear to me why there would be a fee to get my money from my bank after my CD matured. Please help! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to get a home loan and and the lady at the bank told me I was not approved. At that time I wasn't sure why and went over my credit with the loan officer and there are items on my credit that is not mine XXXX XXXX XXXX, XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX and there are inquiries on there that I don't know where they came from please remove them as well XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX AF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF 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 . I have reached out to the FTC and my local police and I am doing this on my own behalf.
Product: Debt collection

I'm tired of dealing with explaining my situation over, over, over again. 
This started with someone illegally opening a credit card with XXXX XXXX XXXX XXXX and then selling it to XXXX XXXX XXXX who in turn sold it to Gurstel Chargo at XXXX XXXX and XXXX XXXX XXXX  could not collect on a debt that was created illegally with identity theft.

I have sent over my police and FTC report over 20 times by mail and through the CFPB to them both.

All they do is verify by XXXX XXXX, XXXX XXXX and robo agents. 
Not one individual has ever looked at my police and FTC report let alone looked up the FTC site or called the police dept to verify my filings.

I even signed a theft application for verification with the Nevada State Attorney general office. Which was signed by the state representative who verified my ID and SS card.

So I will have to start litigation against XXXX XXXX XXXX.If this account is not removed from my credit report immediately.

This should immediately be removed from my credit reports and all files destroyed. 
Contact XXXX XXXX XXXX and for any info.Gurstel Chargo at XXXX I'm tired of giving out my personal info and I don't trust anyone. 
Provide me with the Forward Flow agreement and the Chain of Assignment for this account. 
I have been dealing with idiots who dont know how to do there job correctly. 
Cease and desist all attempts to collect on this debt. Only contact me with a update on when this will be removed from my credit reports
Product: Debt collection

I received a text message on XXXX XXXX XXXX   and again on XX/XX/XXXX from XXXX XXXX XXXX claiming I owed XXXX. 

I called XXXX XXXX XXXX  and spoke to XXXX XXXX. She claimed LVLN and Resurgent hired them to collect on an account that should never have been sold. As I shared with her, I would provide the complaints previously filed with CFPB in XXXX along with the documentation from the XXXX vice president stating they do not have an account for me. 

Following is a copy of the email sent to XXXX XXXX XXXX on XX/XX/XXXX : To Whom It May Concern : I spoke to XXXX XXXX the afternoon of Thursday, XX/XX/XXXX regarding a collection attempt. I have never received any letter, yet did get a text, which makes me suspicious. As I shared with XXXX when I called directly, the information she has is incorrect ; therefore, I am attaching some of the documentation from a case I filed with the Consumer Financial Protection Agency back in XXXX 

Of particular note, I corresponded directly with XXXX regarding this claim. As youll see in the letter dated XXXX XXXX XXXX, from XXXX XXXX, Assistant Vice President of Customer Relations, XXXX found they did not have record of any reports to credit agencies. 

Finally, regarding the ongoing harassment of the collection agencies, this account should not have been continued to be sold. The previous company posted this resolution to my case on XXXX XXXX XXXX : Good afternoon, In light of the consumers circumstances we have elected to permanently discontinue all collection efforts on this account. The account has been recalled from the servicing agent and is now closed. 

Please let me know if I need to reopen and file new complaints with the Consumer Financial Protection Agency. I will need to know exactly which companies are involved in this continued harassment to me. Otherwise, please respond letting me know that this case is closed and whatever account in question will not continue to be sold. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX Again, all documentation to that email to include the following previously filed cases : XXXX XXXX XXXX On XX/XX/XXXX, I received a letter from Resurgent Capitol stating they are reviewing an account for LVNV funding. I called the number and spoke to XXXX. This person was asking for personal information including my Social Security number, as well, which I refuse to give as I believe these people are scammers. 

LNLV Funding, LLC is listed on the letter. As I told XXXX when I called the number on the text message, at no point have I received any previous communications about this from that entity, which again leads me to believe these companies are scammers, especially as this was resolved years ago. 

This was resolved long ago, yet I continue to get harassed by these companies, who want to know my personal information, where I work, and I have been contacted at work during the previous filed complaints.
Product: Payday loan, title loan, or personal loan

XX/XX//19 American first financial processed a payment without consent on a closed account ona card that was not on file. Then places me on hold forever stating they were trying to figure out what happened and didnt have an explanation. This is the fourth time that this has occured and I have a voicemail from then stating this issue would not occur again and it has.