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

On XX/XX/24 I used Bank of America Bill pay to pay a bill to XXXX XXXX XXXX XXXX XXXX for {$170.00}. BofA issued a check on that date to that payee and charged my account on that date the amount of the check. XXXX never got or at least never cashed the check. On my instructions today, BofA stopped payment on the original check and reissued a new in that amount.

My compliant is that I have lost ( and continue to lose ) the credit in my checking account, and BofA has had and still has the benefit of the amount. It seems to me that BofA should not be able to charge my account until the payee has cashed the check.
Product: Debt collection

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report by XXXX XXXX XXXX Placed in collections by Credit collection company Address ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Collection opened : XX/XX/XXXX Date of reflection : XX/XX/XXXX account number XXXX Amount : {$370.00} As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely,
Product: Checking or savings account

I had called AmEx over 5 times regarding the funds issued from my closed account. They keep telling me the check has been sent out on XX/XX/XXXX. I was guaranteed the check should be in my hand by XX/XX/XXXX. I have informed delivery I have not seen the check sent out as of yet. I am behind on my rent because of the delay of this check, they keep telling me the check is in the mail. I requested to speak to a supervisor I was told no supervisors are available and someone will get in touch with me. No one has gotten in touch with me. I would like my check sent expedited 2 day mail to me as I am facing eviction now and have a court date XX/XX/XXXX because I can not get my own money out of this bank.
Product: Mortgage

I called the company on XX/XX/year> to schedule a payment. I talked to a woman. The payment amount was supposed to have been {$550.00}. The payment date was supposed to have been XX/XX/year>. Today is XX/XX/year> and the payment hasnt posted my account. I called to inquire on why. The first agent told me that he seen a note the payment was scheduled and then a note after that the payment was cancelled. He also mentioned my bank account info wasn't saved, but they did have my bank account info, so someone deleted it for them not to have it. None the less, the agent that was supposed to have set up my payment didn't read me the paragraph which entailed reviewing the amount the last 4 of the bank account number, that I can't cancel once its placed, etc... she didn't do that. So I asked her confirm the bank account on the phone. I was placed on an extended, long hold for her to do that. I even told her I thought it was odd she didn't read me the info before scheduling my payment. This company given incorrect info constantly. No 2 agents will give the same info. The first agent I spoke to today was supposed to have escalated me and a manger was going to call me back in 30-40 minutes. No call back occurred. Called back again, and the second agents never confirmed if the first agent actually escalated me, just said " if '' he did I would get a call back in 3 business days ( first agent said 30-40 minutes ). I can't make my payment via their draft, they messed that up and I haven't been able to recover from that and get my payments back on time, and they just keep banking on my late fees. I can't pay on the website because I make payments I don't pay the whole amount, and you can't do that on their site. I can't call my payment in because they don't have reps competent enough to know how to do their job and actually schedule the payment. How am I supposed to pay? This is the worst mortgage company I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to XXXX. Here is the tracking number XXXX. However the credit bureau said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

Malicious compliance Reporting.
Product: Credit reporting or other personal consumer reports

Clarity services- I have emailed and mailed in several letters asking to dispute all the information on my report. I never get a response! They are putting false information on my XXXX report as well as other reports and its preventing me from opening accounts and it loans.
Product: Checking or savings account

On Wednesday XX/XX/XXXX, I noticed some signs that my email had been hacked, and that the thieves appeared to by trying to gain access to my financial and retail accounts. 
My first call was to USAA, my only current banking relationship. I froze my accounts, got information on how to implement a digital recovery checklist, and received ( verbally, NOT electronically ) a temporary password and pin to use in the recovery. 

On Friday XX/XX/XXXX, I requested the checklist, and was told that my - frozen - accounts had been taken over by someone who changed all of my access information and was actively in my USAA accounts, but I was unable to regain access since I could no longer authenticate the information on my account which had been changed by the thieves. 
I submitted copies of my drivers license, and gave my correct phone and email information, but was told I would need to wait up to 10 business days to be contacted by the fraud department. I was additionally told that I could not be transferred to Fraud, nor could I verify what the thieves were doing in my various accounts, nor could I make a further attempt to freeze my accounts until I spoke to Fraud. 

Today it is Wednesday XX/XX/XXXX and I have not heard anything from the fraud department, nor do I have any information from USAA about the status of fraudulent usage on my accounts. I do know from another financial service provider ( XXXX ) that was also hacked that the thieves tried to move money from one of my USAA accounts into my XXXX account, in hopes of being able to withdraw those funds. This transaction was blocked. and my XXXX account was EFFECTIVELY frozen from subsequent attempts to access those accounts. 

I wish I could have the same information, action, and assurances from USAA, but in spite of daily efforts I have not be able to do so.
Product: Debt collection

Zwicker and Associates checked my credit report twice. Once in XX/XX/XXXX and XX/XX/XXXX. My account allegedly defaulted in XX/XX/XXXX ; therefore, Zwicker did not have any reason to check my account in XX/XX/XXXX. I find it was not a permissible reason to check it in XX/XX/XXXX.
Product: Debt collection

This account was written off by the original creditor after getting my fraud report & police report information. Portfolio Recovery purchased to of the accounts that where on the reports this company was also provided the same information as well as a certified letter but only removed one of the accounts, And placed one one my credit. I have no contract or debt with either company, I have asked Portfolio Recovery for a Wet contract with them or their client XXXX  XXXX to only be sent a copy of a billing statement with no information which is Not proper validation. Validation is a agreement signed between myself & a creditor. I contacted their client which advised me there is no contract someone opened this account online without authorization so they can't provide a Contract or signature. I request this removed from my credit in no more then 10 days of receiving this request again. This is not my account & printed statements are Not contracts or agreements. As stated by the fdcpa
Product: Credit reporting or other personal consumer reports

I detected fraudulent on my account it cost me to acquire late fees I was hat in my identity has been stolen my credit score went down dramatically it's stopping me from moving on with my life I really feel hard to get to where I am I've never had a late payment ever and because I had to wait for my new car that's what put me into a situation but my information was sold through TransUnion or through XXXX and this is what caused the problems that I'm dealing with today which is very a mental status
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to dispute the accuracy of the information reported on my credit report by XXXX XXXX XXXX regarding a collections account for XXXX XXXX. I believe there is a misreporting of the amount owed. 

The details of the account in question are as follows : Creditor Name : XXXX XXXX XXXX Amount Reported : {$1100.00} I am requesting that this item be removed entirely from my credit report or that you provide me with proof of the debt, including detailed information such as dates of purchases and amounts for each purchase.

Please investigate this matter and delete the disputed item ( s ) as soon as possible. I appreciate your prompt attention to this matter. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

These accounts have been paid from XXXX XXXX XXXX XXXX loan forgiveness, which has been closed. This inquiry is old and has been closed out. The Dept. EDU have been trying to reopen a Fraud account to keep reporting to my credit report without my authorization or realization that I closed multiple accounts according to closed student loans under different business names.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX. XXXX # : XXXX XXXX XXXX XXXX XXXX. XXXX # : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 


Sincerely, XXXX XXXX Enclosures Proof of identity XXXX  documentation
Product: Checking or savings account

am writing a formal complaint to express my extreme dissatisfaction with the handling of a recent fraudulent activity on my bank account, which has left me feeling utterly disregarded and unprotected as a customer of Citi Bank. 

On XX/XX/year>, I discovered unauthorized charges totaling {$280.00} on my account, which were made at a XXXX XXXX grocery store in XXXX. As a resident of XXXX XXXX, I can unequivocally state that I have never visited XXXX, let alone made any purchases there. 

Immediately upon discovering these charges, I contacted Citi Bank 's fraud department to report the incident. I was relieved when I received a call back the next day, only to be met with frustration and disbelief at the response I received. Despite providing clear evidence that the transaction was unauthorized and occurred far from my location, I was informed that the purchase was deemed " legitimate '' by the bank. 

Not only was my claim dismissed without proper investigation, but I was also issued a new card without any further resolution or explanation. This negligence on the part of Citi Bank has not only compromised my financial security but has also eroded my trust in your institution to safeguard my interests as a customer. 

I demand an immediate and thorough review of my case, along with a reversal of the charges in question. Furthermore, I expect a comprehensive explanation as to why my legitimate concerns were dismissed so casually and without proper investigation. 

As a loyal customer of Citi Bank, I expect nothing less than a swift and satisfactory resolution to this matter. Failure to address this issue promptly will leave me with no choice but to escalate my complaint to higher authorities and explore alternative banking options. 

I look forward to your urgent response and resolution of this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following ( XXXX, TransUnion ) credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below ; Due to their errors in reporting Im reporting these violations. The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit reporting agency A has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

Multiple unauthorized inquires on credit report violating the Privacy Act of 1974 as well as 15 USC 1681 B. Proof Information was unauthorized to the dark web. 

Equifax : XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXXXXXX ( XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ). 

XXXX : XXXX XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XXXX XX/XX/XXXX ) XXXX : XXXX XXXX ( XXXX XX/XX/XXXX ), XXXX XXXXA ( XXXX XX/XX/XXXX ), XXXX ( XXXX XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I didnt realize it was going to be this bad. My bank wants to set me up with a new account to avoid this but Im afraid theyll come after me at my job. I cant lose my job due to harassment. Im very scared. I was struggling but I didnt realize how much Id have to pay back. The bank says they keep taking and taking and taking and the fees are crippling me.
Product: Debt collection

Adler Wallach & Associates ( AWA ) placed a collection on my credit report for " XXXX XXXX ''. 
It is not mine, I've NEVER had any sort of XXXX XXXX account. 
I informed them that it was not my account and I disputed it through the credit bureaus but Adler Wallach & Associates refused to delete it from my XXXX  credit report.
Product: Credit reporting or other personal consumer reports

There are XXXX inquirie on my credit report that I did not do. My information has been compromised Please remove these XXXX fraudulent inquiries immediately please. It's affecting my credit profile. I am attaching my Identity Theft Report to this compaint.
Product: Debt collection

Midland Funding LLC got a default judgment against me in XXXX, I found out about the judgment in XXXX. Then I filed a motion to set aside/vacate judgment. The judge would not vacate the judgment stating " The he believes that i was served because Midland Funding LLC produced a last minute postal ticket saying that i was served.

I WAS NOT SERVED, I REPEAT, I WAS NOT SERVED. I proved to the judge that I was not even home at that date ( witness affidavit ) and I proved that I was NOT my signature, I tracked the ticket and the ticket showed Nothing as I was " untrackable ''. Though the judge believes the Process server as Midland claims they got the Postal ticket from the Magistrate who issued the default judgment. I need help here as I'm feeling very cheated because I was never served anything to appear.

My i also mention that Midland Funding LLC has violated almost every FDCPA & FCRA in the book, i proved/showed the judge over {$12000.00} in violations by them and nothing is being done.
Product: Money transfer, virtual currency, or money service

Companies involved : Chase corporate headquarters and XXXX XXXX. 

Complaint : XXXX XXXX reported a fraud to chase bank and the police department. This fraud eligibly started with a breach in an email correspondence between a vendor and us. The buyer received the products that were ordered from the vendor and we used the same email we have been corresponding with the vendor and requested bank information. A hacker intercepted the email preventing the true business/vendor from receiving the email asking for bank information. Thus, the hacker provided, what we did not know was personal bank details. An ACH payment of {$7500.00} was made on XX/XX/XXXX and addressed to a business name, XXXX, with the bank account information provided from the email. However, the account number was to a XXXX personal account, not the business we addressed it to. The ACH should not have gone through as the name did not match the name on the receiving ends account. For an ACH payment to go through, all information must match and in this case the information did not match. 
After speaking with several associates form JP Morgan Chase, no one was willing to assist us with this matter. We were told we should contact the bank the money was sent to. So, we contacted XXXX, informed of the situation, and that we have a police report regarding this issue. XXXX told us that this matter must be settled between the banks and they are not permitted to assist us because we do not have an account with them. We then contacted chase corporate office who informed us they would do their best to assist. We never received a follow-up call, as we were told we would. When we called to request an update on this issue, we were transferred five times and were on the phone for 1.5hrs. Finally, we were transferred to the correct department and the woman gave us the same answer as all the other people we spoke with, I will speak to the claims department and will get back with you. We have yet to be informed of a solution. This has been an on-going process for over a month and we still have yet to have the funds returned. 

XX/XX/XXXX I tried calling XXXX from corporate for an update, but only got her voice mail. I then called Chase branch on XXXX XXXX XXXX and spoke to XXXX who said he would speak with his branch manager XXXX, to see if there is anything he could do. 

On XX/XX/XXXX XXXX spoke to XXXX from Chase corporate who informed me that she could not locate a reference number on this case, but she would create one ( XXXX ) and escalate this case to claims/fraud. 

XX/XX/XXXX XXXX XXXX transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who transferred me to XXXX who then transferred me to XXXX . All this within an hour and a half.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulant Inquiries, address, and credit accounts that I never opened. Address I never lived at. Someone is pretending to me and i need these accounts to be removed due to Fraud
Product: Debt collection

Law Offices MBA has placed several debts with XXXX  and XXXX  with my name and social however I do not know who this is and neither do I have a contract with them. I have asked them several times to provide me with a contract that I have signed and original documents and I have not received neither. 

There are listings for the following amounts : {$1400.00}, {$1400.00}, and {$2700.00} and I would like those removed from my credit file as soon as possible if they can not provide me with the original documents signed by me.
Product: Credit card or prepaid card

Last month I paid off my entire balance on my Capital One credit card. At the time, the balance reflected on the Capital One website was {$2400.00}. I paid the entire balance on XX/XX/XXXX.

A full 10 days later I was still charged {$31.00} for interest. This was not reflected anywhere on the website statement at the time that I had paid my balance. I did call Capital One to let them know this and requested a credit of {$31.00}. They refused stating that this was interest already accrued. However, I stated to them that this should then be reflected on their website for pay off. The associate agreed that this was a flaw on their website and that he would mention this to senior management. The call was escalated. However, the second individual also refused to credit the {$31.00}.
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 proce 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 4758 financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting or other personal consumer reports

EQUIFAX is BLATANTLY violated 18 USC 8 ( The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXXXXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. ) and 31 U.S. Code 5118 ( ( 2 ) public debt obligation means a domestic obligation issued or guaranteed by the United States Government to repay money or interest. ), by reporting that it " verified that account belong to you ''. IN THIS MANNER EQUIFAX IS ENGAGING IN FRAUD, CONSPIRACY, CRIMINAL BEHAVIOR. EQUIFAX deliberately violates the law. 

>>> We have researched the collection account. Account # - XXXX The results are : WE VERIFIED THAT THIS ITEM BELONGS TO YOU. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION *BALANCE DATE *STATUS DATE. If you have additional questions about this item please contact : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX. 

TOTAL LIES, HOW'S IS IT POSSIBLE FOR THIS LYING COMPANY TO OPERATE??? WILL BE SUBMITTING CRIMINAL COMPLAIN WITH ATTORNEY GENERAL OFFICE.