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

Wells Fargo has done such an in justice to my grandfather iam helping him make this formal complaint against this awful bank. My grandfather XXXX XXXX has a bank acct with my mother XXXX XXXX and in this sense my mother had closed an acct at XXXX XXXX XXXX XXXX so she received a official check that was for XXXX cents went ahead and made a deposit into said bank acct at Wells Fargo .this transaction happened on XX/XX/2023 on XX/XX/2023 my grandfather went to bank to get his funds out from his social security deposit when he finds out hes negative n was with no funds And still showing a negative XXXX went to branch of Wells Fargo here locally they advised XXXX that the check for XXXX Was returned not paid by advantage west. To make a horrible story short after many calls back n forth n to the issuing bank come to find out that said check was actually paid out in full to Wells Fargo 24hrs after it was deposited to my grandfathers acct n was given a tracer number n told that it was paid in full n didnt understand why Wells Fargo would claim such a thing n most of all take a XXXX yr old mans money a whole month later and still mths later we are still in battle with Wells Fargo to get my grandfathers money back I was told to write this formal complain to ur office n hopes that you will help thank u
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of the XXXX Credit Card entry from my credit report due to identity theft. I have been a victim of identity theft, and under the Fair Credit Reporting Act ( FCRA ), it is imperative that inaccurate information resulting from identity theft is promptly removed. The presence of this entry on my credit report violates my rights as per the FCRA, and I request your immediate action in rectifying this issue.
Product: Debt collection

Please be advised that the following collection company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, FL XXXX XXXX Reported on my credit bureau the delinquency of an account that already is in the XXXX XXXX XXXX, FL court system. Please find Case # and Docket information below. Not to mention they made numerous attempts to collect on this debt by using scare tactics stating that I needed to contact the law firm handling this matter immediately. They called my cell phone 4xs in a row from phone # XXXX. 

I strongly believe that this is harassment since the law firm which is handling this matter has still not responded to my Motion to Compel Arbitration with the Court. I would be interested in knowing if they are using these tactics as common practice. 

The Law Firm Associated with this matter is the : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Toll Free : XXXX CASE NUMBER : XXXX CASE STYLE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CIVIL COVER SHEET Submit Submit 3 XX/XX/XXXX DIFFERENTIATED CASE MANAGEMENT PLAN STANDING ORDER F/B PLT Submit Submit XXXX XX/XX/XXXX SUMMONS ISSUED XXXX ; XXXX ; XXXX AS TO XXXX XXXX XXXX FILED Submit XXXX XXXX XX/XX/XXXX COMPLAINT F/B PLT Submit Submit XXXX XX/XX/XXXX NOTICE OF EMAIL DESIGNATION XXXX XX/XX/XXXX DIVISION ASSIGNMENT AD : Circuit Civil Central - AD ( Civil ) Submit Submit XXXX XX/XX/XXXX XXXX {$410.00} ON RECEIPT XXXX {$410.00} XXXX Fully Paid Submit Submit XXXX XX/XX/XXXX SERVICE RETURNED ( NUMBERED ) VERIFIED RETURN OF SERVICE SUBSTITUTE XXXX XXXX - XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX RESPONSE TO : ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX ALLEGATIONS F/B DFT XXXX XXXX, PRO XXXX Submit Submit XXXX XX/XX/XXXX NOTICE OF HEARING NOTICE OF VIRTUAL HEARING XX/XX/XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX AFFIDAVIT AS TO COSTS AFFIDAVIT OF COSTS XXXX XXXX XXXX Submit Submit XXXX XX/XX/XXXX MOTION FOR SUMMARY JUDGMENT PLAINTIFF 'S MOTION FOR SUMMARY JUDGMENT AS TO XXXX XXXX Submit Submit XXXX XX/XX/XXXX XXXX WITH NON-JURY TRIAL ORDER XXXX XXXX XXXX XX/XX/XXXX Submit Submit XXXX XX/XX/XXXX MOTION TO COMPEL ARBITRATION AND STAY PROCEEDINGS ( F/B DFT ) Your help in this matter would be greatly appreciated. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am submitting this complaint due to violations of several consumer protection laws regarding inaccurate information being reported on my credit report by XXXX XXXX XXXX and the credit bureau Experian. The account in question was declared as a loss by the original creditor but is still being reported as a " charge off '' on my credit reports, which is a direct violation of the following laws : **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 : ** According to the FCRA, the information reported by credit bureaus must be **accurate and complete**. In this case, the account listed as " charge off '' is inaccurate, as the original creditor declared it as a loss. This misrepresentation violates my right to an accurate and complete credit report. 

**Truth in Lending Act ( TILA ), 15 U.S.C . 1601 : ** TILA requires creditors to provide clear, accurate, and honest information about consumer accounts. Reporting a debt that has been canceled as a " charge off '' misrepresents my financial situation, which is a clear violation of TILA. 

XXXX*New Jersey Consumer Fraud Act ( NJCFA ) : ** The NJCFA prohibits fraudulent and deceptive practices, including the intentional misrepresentation of financial information. The original creditor has declared this account as a loss, and continuing to report this debt as a " charge off '' constitutes a violation of this consumer protection law. 

Despite disputing this information with the credit bureau and the inaccuracies in my credit report have not been corrected. This account continues to negatively impact my credit score and my ability to access fair financial products.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 XXXX XXXX XXXX, has violated 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion shows a debt in collections on my report that was charged off in XXXX and no judgments or agreements since. This debt is past the statue of limitations and shouldn't show on my credit. XXXX  XXXX told me that they show the account was charged off in XXXX but said it shouldn't show on my credit as well. Unfortunately they would not send me documentation saying the charge off date or last purchase date. Transunion has not sent me validation of debt with the charge off date, delinquent date and last date of purchase. Its ridiculous I was sent a letter from XXXX  XXXX saying they would resolve it but they say it's not showing on my credit and its definitely on transunion. They couldn't post it on XXXX  because another company tried on XXXX  in XXXX. XXXX  actually investigated and found charge off date but transunion just says its verified, and even after a certified validation of debt letter they still wont supply any info as to age of debt, when debt was charged off and last purchase date.
Product: Credit reporting or other personal consumer reports

I am writing to urgently inform you that I have been a victim of identity theft, resulting in fraudulent entries on my credit report. These 4 inquiries were added without my knowledge or consent and require immediate attention. 

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed an official identity theft report with the Federal Trade Commission ( FTC ) and demand the immediate removal of these fraudulent items to restore the accuracy and integrity of my credit report.
Product: Checking or savings account

In XXXX of XXXX, I was traveling and lost my wallet- including my KeyBank debit card, ID with all of my personal information on it, and other key documents with information like home/billing/mailing address, email, etc. 
Shortly after, I noticed fraudulent transactions. I disputed these transactions with KeyBank as soon as I noticed them, and specified in no uncertain terms that they should only contact me via EMAIL OR PHONE, or mail any letters to the local branch, because KeyBank has a history of lying about sending me letters regarding my account/claims, and I wanted to be sure this didn't happen again. The representative agreed that my request for email/phone communication was noted and would be fully honored. ( This is important later, because KeyBank has failed to EVER honor this, including regarding this dispute. ) The charges I disputed are as follows : XX/XX/XXXX - XXXX XXXX | XXXX Fl XXXX - {$38.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX Fl XXXX - {$310.00} These charges were not made by me, were not made with my consent or knowledge, and are fraudulent, unauthorized purchases on my account that I should not be held responsible for. 
I informed KeyBank of this as soon as I became aware of these charges. 

On XX/XX/XXXX I was issued provisional credits for these charges. This has been the only action I've seen from KeyBank, and I have never once been contacted regarding these disputes, the dispute process, or any dispute findings/closure/reversal of credit. 

However, much to my dismay and surprise, on XX/XX/XXXX, KeyBank reversed the provisional credits- without any contact whatsoever, nor any justification or information. 

KeyBank also mishandled by outgoing withdrawal of a rent payment as a result of this, and has now put me at risk of losing my home. 

On XX/XX/XXXX, I inititated my rent payment using my KeyBank account. The money withdrew from my account, and I received an email notifying me of this transaction. 
On XX/XX/XXXX they incorrectly closed my claim and reversed the provisional credit, leaving my account overdrafted. 
They then chose to RETURN MY XX/XX/XXXX PAYMENT for " Insufficient Funds '' and place A HOLD ON MY ACCOUNT until XX/XX/XXXX for {$1900.00} - the amount of my rent payment, that occurred BEFORE they EVER reversed the provisional credit. 
This is a blatant mishandling of my account, MY MONEY, and has put me in jeopardy with my landlord and at risk of LOSING MY HOME. 
I put the rent transaction in XXXX. DAYS LATER they reversed the provisional credit, this should NOT impact MY RENT PAYMENT.
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 frauds on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to my privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment under an a credit card account under an open and consumer credit plan as late for any purposes.
Product: Checking or savings account

I deposited a check with citi bank on XX/XX/XXXX from the irs for {$1900.00}. This check was for an overpayment in taxes. I forgot to endorse the check on the back and deposited it via mobile deposit. I then received a email saying my check was on hold.I tried to log in and my log in no longer works and my accounts cant be loaded. I called citi bank that morning and was told that because it was from my old corporation XXXX XXXX XXXX and didnt endorse the back they decided to close our checking and savings account. They stated nothing could be done and that they will mail my funds in XXXX days. Ive had multiple calls since then and every time they tell me something different. Sometimes they say my funds will be mailed in 5-7 days, last time they said they would hold it for up to 1 year, and today they tell me its 30-60 days. Im absolutely sick to my stomach with the lack of communication on citi banks end. Not a single staff member I spoke with was able to explain whats going on. It seems as though they are all confused and make me wait while they see whats going on. I received no call or notice and nothing in the mail as of today XX/XX/XXXX and neither has my wife. This was a joint account. I was laid off this last week and my funds are still held. I can not believe they get to operate like this. The lack of communication within the company, their communication with me and every single thing about this bank is horrible.
Product: Debt collection

I have spoken with them on the phone, first they offered a settlement and I asked to put it in writing, they sent me one via email say I owe millions dollars which was not correct. I asked them to send a corrected one, and a validation of debt owe, alone with they have legal rights to collect, inside that letter I stated no phone calls, and everything in writing.
Product: Student loan

I HAVE TWO STUDENT LOAN SERVICER INFORMATION ON MY CREDIT REPORT AND THEY ARE REPORTING WRONG INFORMATION.
Product: Credit reporting or other personal consumer reports

Since XX/XX/year>, I have been in contact with Experian to correct a significant error in my credit report related to the lack of an address appearing on my report. Due to this issue, furnishers are unable to access my credit information, causing me numerous financial difficulties. 
Impact : I applied for a job at XXXX XXXX XXXXXXXX and XXXXXXXX XXXX, but both employers were unable to view my credit information due to this error. 
I have attempted to apply for loans from various institutions, but all of my applications have been denied for the same reason. 
Despite repeated efforts to have Experian correct my credit report, they have not taken any action to resolve this matter. This has negatively impacted my ability to secure employment and credit, leading to significant financial hardship.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any Consumer Report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I am disputing some items that need to be deleted. The reason why these items should be deleted is due to I have not authorized the following accounts below. The Fair Credit Reporting Act Section 609 [ 15 USC 168Ig ] bureau should send me all application being denied according to the provision Section 612 ( b ) [ 15 USCj ( b ) ] meaning there should be no charge for this information. 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 # XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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 they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/XXXX and XXXX, 2021 there were hard credit inquiries to my credit report. XXXX XXXX, XXXX XXXX XXXX, and CURACAO. I reported the fraudulent inquiries to each financial institution listed. XXXX XXXX and XXXX XXXX XXXX, have sent me letters acknowledging the fraud. CURACAO has not. On XX/XX/2021, CURACAO opened a charge account in my name. This account was fraudulently opened with a credit limit of {$3100.00}. The account was immediately charged the full amount of {$3100.00}. I subsequently placed fraud alerts on all three credit bureaus. I contacted CURACAO customer support ( XXXX ) on XX/XX/2021 and he documented the information. He stated the account was opened and approved online and two XXXX devices were purchased. He also provided me with the last four of my SS number and an old address that was used. ( Old address is from over 7 years ago ). XXXX provided me with a name and email in their fraud unitXXXX XXXX XXXX I attempted to reach her by email with no response. I called CURACAO back today, XX/XX/2021 to get an update but there is no update. So far, CURACAO has not removed the hard inquiry nor have they removed the credit account from my credit reports. Attached are letters from XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting the wrong date when the credit card was open which should have been off my credit by now which my ex wife that was responsible for it have not made payments on it over seven years I need this fix as i spoke with XXXX and Experian  and have not resolve the issue the date that they are reporting when the account was open is not legit and is a very old account ... .Please help fix this issue
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting and XXXX Acct # XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX, XXXX account XXXX XXXX XXXX XXXX account # XXXX, XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, XXXXXXXX XXXX # XXXX, XXXX account # XXXX, has violated 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion dispute letters several weeks ago, via certified mail. Per the USPS tracking number, these documents were received by a Transunion mail sorter on XX/XX/2021. However, Transunion has failed to create my dispute and attach the supporting documentation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please remove this account from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and XXXX XXXX has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.
Product: Credit card

I checked my credit card statement and discoved a fraudulent charge of {$120.00} made at XXXX XXXX  in XXXX XXXX, XXXX XXXX # XXXX on XX/XX/2023 and posted to my account XXXX. I have never made a purchase at this store or have been in a XXXX XXXXXXXX XXXX 
I contacted XXXX XXXX on XXXX when I discovered the fraudulent charge. They claim their chip reader card technology is virtually unable to be skimmed and duplicated. They then incorrectly claimed I must have used the card or allowed someone to use my card. This is patently false. 
I have since filed the above stated police report. The officer clearly stated that duplication of skimmed cards happens quite frequently. 
I have filed complaint reports with the Ohio Attorney General, the Federal Trade Commission, XXXX XXXX ( they have yet to respond ). I additionally contacted the U.S. Department of Tresury, and they suggested The Consumer Financial Protection Bureau. 
I am a XXXXXXXX XXXX XXXX XXXX XXXX XXXX from having XXXX XXXX XXXX. I rarely leave my home, and do not know how my information was obtained. I told the police I want to prosecute if the offender is found.
Product: Debt collection

I defaulted on a {XXXX} wells Fargo credit card in XX/XX/XXXX XXXX over XXXX years ago ). The debt does not show on my credit report. It was XXXX. A company called XXXX XXXX XXXX XXXX somehow got my number in XXXX. They have called me from various numbers approximately XXXX times in XXXX years. They claim the debt is {XXXX}. 
Even tho the debt is XXXX and doesn't show on any of my credit reports they continue to call and say the debt is " collectable ''. I've also received letters from them over & over concerning this. I've actually considered changing my phone number ( which I've had for XXXX   years ) because of the constant harrassment
Product: Debt collection

I get some medicals bills who was send to collection without my knowledge. I was with XXXX and always paid my co-pay to each of my visits. I never received any invoices from medicals institutions asking me to make any extra payments of {$4.00}. I want all this medicals bills to be removed and a XXXX balance also I want the collections to be removed. I request that the collections calls to be stop, I am on the Do not Calls List and still received some blocked number or XXXX all the time. Simon 's Agency inc get XXXX accounts with different amounts due report to my credit reports.