23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTOR BUSSINESS BUREAU XXXX DOCTOR BUSSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX-XXXX-XXXX-XXXX-XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX SOC SEC # XXXX-XXXX-XXXX DOB XX/XX/ CURRENT ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

We refinanced our home with Wells Fargo and they made the check for more than the amount needed so they said they would send us a check for the balance. The closing date was XXXX XXXX, XXXX. The original loan was paid off XXXX XXXX, XXXX. The check for the balance was made out XXXX XXXX, XXXX and we did not receive it until XXXX XXXX, XXXX. The envelope that it came in was postmarked XXXX XXXX, XXXX. That is 1 week from when the check was written. My complaint is that we should have received that check by XXXX XXXX, XXXX which is 17 days before we deposited it in our checking account.
Product: Credit card or prepaid card

I have a Prepaid Card with Discover Card I closed the account last month & it is still going to take 2+ months to get my money back!! NOOOO!!! UNACCEPTABLE!!!!
Product: Checking or savings account

My checking account has been compromised 2 times. the first time the bank refunded some but not all of the charges. I was forced to eat about XXXX dollars in charges I never authorized from XXXX. the other day someone charged XXXX dollars in airline tickets while i was working. I was hung up on with chase and I've been transferred dozen of time. I want my funds back in my account and I want my funds to remain safe. I want the original as well as the new amount refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018, I received a phone call from XXXX XXXX  XXXX, on behalf of XXXX XXXX XXXX XXXX. They stated that I owe {$75.00} for services rendered and not paid for. I contend that I do not know of this company or hospital and have never received any care from the creditor in question. Previously, in XX/XX/2018, My home was burglarized at gunpoint. 5 armed thieves stole all of my personal Identification and all of my home electronics. A number of financial and home improvement accounts were opened in my name - fraudulently! I am 100 % adamant that I do not owe {$75.00} to XXXX XXXX and XXXX XXXX XXXX XXXX. The account in question was set-up using my personal identification, which was stolen in XX/XX/2018. I have had numerous battles with TransUnion, XXXX and XXXX. I demand that all erroneous entries be removed at once or I will file an Attorney General complaint against the CRAs and Creditors!
Product: Debt collection

Experian has failed to fulfill his legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of dispute information on my credit report, leaving an accurate unverifiable account unresolved the customer financial protection bureau has recently filed a lawsuit against experian alleging, systematic issues, such as failing to forward customer provided evidence to refurnish accepting unreliable responses or failing to adequately notify customers of dispute, outcomes these failures align with my experience where Experian has neither corrected nor removed dispute items despite the evidence Ive provided, causing on going home to my credit standing I request immediate corrective actions to remove and amend the dispute account as experians in action, violate federal laws, and my rights as customer
Product: Checking or savings account

Good Afternoon, My name is XXXX XXXX XXXX and this is a complaint regarding two specific overdraft fees from my personal checking account at Wells Fargo. On XX/XX/18, Wells Fargo charged me two separate overdraft fees of {$35.00} each for the same incident. The first fee was labeled " NSF RETURN ITEM FEE '' and the second fee was labeled " OVERDRAFT FEE ''. Although I have a secondary checking account that had more than enough funds to cover this accidental overdraft, my own bank of twenty years authorized two overdraft charges totalling {$70.00}. When I called Customer Service to report my complaint, Account Supervisor XXXX XXXX told me that he was only able to refund half of the amount, and that there was nothing further he could do. These charges are not only excessive but unnecessary. I am requesting that I be refunded the additional {$35.00}. Please contact me if you need further assistance identifying my accounts.
Product: Credit card

I have been an American Express client and credit card holder for over 30 years. 

In the past year a promotion was offered a separate Am Ex Gold card for my work. I am an XXXX and also have other work and private areas. The am ex offers an online chat line when you log in and identify your account and then they no longer offer any ability to receive a copy of the chat or even to receive a link or even to copy and paste the chat so they see and promise things that you can not even hold them to. 

For example, my credit line was reduced from XXXX to XXXX when they issued a XXXX card and it was for my work and not for me and despite promises to raise it the line of credit dept in XXXX is rude and often saying peculiar things and the XXXX gold card i cancelled and I was told they would raise the line of credit.. 
the customer service of am ex is terrible and usually you are sent to XXXX and can not even reach a direct line to the us I have tried on many occasions.
Product: Payday loan, title loan, or personal loan

I recently reviewed my credit and bank account. I was really mad to see that I have been a victim of identity theft. I found accounts That did not belong to me. This has been hurting me and my family on our financial journey please remove these fraudulently open accounts as soon as possible thank you!
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 they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. The actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

BEST BUY/CBNA Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within XXXX  days of receiving this letter. Should you fail to comply, I will initiate debt validation methods. 

For my debt validation methods these are the things I would require from you. I would require the following information : XXXX. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. 

XXXX. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector ; in case I choose to pursue further legal action. 

XXXX. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency. 

XXXX. XXXXebt Details : Provide the date and the amount of money that I officially became in collection with your company. 
Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within XXXX  days. 
Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  Account # : XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Checking or savings account

I submitted a previous complaint XXXX regarding ALLY BANK treating my account suspiciously. 

ALLY BANK on decided to close my account on XX/XX/2023. It sent a short email stating such and no other information on how my funds are to be returned to me, how long the return of funds is expected to take, etc. 

Their ONLY communication : " We closed your Money Market Savings Account ending in XXXX '' I think, as a professional courtesy, this should be included in any communication to unilaterally close my account. During this period, they are still a trustee of my funds and should act accordingly.
Product: Credit card or prepaid card

In XX/XX/2019 I closed my VISA VENTURE credit card account with Capital One. Then On XX/XX/XXXX I made two prescription charges for the amounts of {$480.00} and {$370.00}, which, instead of billing them on my XXXX XXXX account, were auto-billed and subsequently paid by Capital One ( without my permission ). 
On XX/XX/XXXX I received the billing statement from Capital One, which showed the error. I immediately called Capital 1 and asked them to reverse the charges, and in a conference call with XXXX, requested the latter to rebill my XXXX XXXX account. This was done on XX/XX/XXXX and I subsequently paid for those charges to XXXX. 
On XX/XX/XXXX I received a statement from XXXX, which showed that " a chargeback was processed and created debit memo '' of {$480.00}. When I tried to place a new prescription order, I could not do so without first paying this erroneous debt, caused by fraudulent charges created by Capital One. My inability to order new urgent prescriptions ( of XXXX, XXXX  and XXXX XXXX medications ) is placing me into a life threatening situation entirely caused by Capital One, which appears to be playing games with my account, for refusing to honor my request to close the account back over 6 months ago.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX Acct # XXXX verification of accuracy if not verifiable please delete the accounts immediately and send me a updated copy of my credit report showing the accounts have been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and FIRST XXXX XXXX  XXXX. Please delete these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.
Product: Credit reporting or other personal consumer reports

My identity and information was exposed involved in a breach with XXXX and my negative items should be removed under section 605b everything should be removed. I do have all my information to prove that this has happened to me. I was sent XXXX XXXXn my email as a settlement that I have not used. I should have the option to fix my credit being that it has been breached multiple times. This has been going on since XXXX
Product: Mortgage

In the back and forth with Rushmore over what I know to be questionable activity on my account. In the last response to my complaint, Rushmore has claimed that they " used XXXX funds to pay for XXXX and XXXX house payments which is a LIE ... .up to the point that Rushmore received the funds from XXXX XXXX we did not owe any house payments. They applied the funds they received on XX/XX/XXXX to XXXX payment, and XXXX payment. There was NO reinstatement to it! 

Rushmore continues to say that the nearly {$1600.00} was used because of " corporate advances '' from a XXXX bankruptcy, yet ... they say that it was to " reinstate '' the loan from XXXX? Which is it? It can not be both. 

I want a complete and total breakdown of the charges that was imposed on my account from the bankruptcy in XXXX.
Product: Debt collection

Enhanced Recovery Co has reported a debt that does n't belong to me to my credit report. this debt was initially showing another date and now is reporting as of X/XX/2017 for XXXX for XXXX XXXX, which ive never had. I requested by certified mail that the collection agency validate this debt or delete, once in XXXX and again in XXXX as of today they 've done neither.
Product: Vehicle loan or lease

On XX/XX/XXXXI went to the Credit Union located at XXXX XXXX XXXX XXXX XXXX, NC XXXX. Ive been dealing with the same person for over a year during this process of trying to Refinance my car loans. Today I went in for a follow up with XXXX XXXX which is who Ive been dealing with I was told to wait by the office representatives and someone would be with me shortly. I waited for about 7 min and then XXXX came from the back and said that he would get me signed in and be with me momentarily. After about 3 min another lady by the name of XXXX XXXX came up to me and said that she would be assisting me today. She asked me what exactly it was that I was trying to do today and I let her know that I had been dealing with XXXX XXXX and he knew exactly what was going on with my file and I was here for follow up. Instead of here having me work with XXXX XXXX she proceeded to ask me questions about what I was here to do. So I explained everything to her with absolute detail. Before she ran my credit I explained to her that I am a 100 % commission based employee and had only been on my Job for 1 year. She knew exactly what was on my credit before she pulled it because I told her before she put anything in the system. She ran my credit and denied my request because I was late on my car payment twice in XXXX. I asked for her Manager and she sent in XXXX which is the VP of the branch and she was extremely disrespectful. I would like to speak to someone Immediately concerning this situation. I am very disappointed with how I was treated this evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC report # XXXX Police report-per FTC it is OPTIONAL My name is XXXX XXXX XXXX accounts need to be DELETED from my consumer reports and I need a copy of clean reports once removed. The credit reporting agencies are taking their time to remove ( been going back and forth with them for XXXX months now ). A few of them have removed some, but the fact that these account still remain is clueless to me as to why havent been removed when FTC report was included per the CRA 's request. 

Again, I need these accounts listed below including inquiries attached DELETED asap. My FTC reports # is also listed at top of paragraph : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX  Agent XXXX XXXX. On closing day XXXX XXXX was not present, they had the closing paper ready for us to sign with my wrong last name and the notary XXXX XXXX from XXXX XXXX XXXX ask me to sign then she just cross my last name, I ask XXXX XXXX ( XXXX XXXX assistant ) to re-print then with the correct last name. I had provided my ID in 2 previous occasions and they make copies of it. This is so unprofessional not be ready with the proper documentation on signing day. Few days after signing XXXX XXXX called me to ask for my marriage certificate that the loan company ( XXXX ) requested this document last minute yeah right. XXXX XXXX ( XXXX XXXX ) promise us that the loan will be fund it in 3 days and it was I lie it took 7 days for us to get the money in our bank account. I really dont understand why XXXX XXXX doesnt look more into the job of their employees ( XXXX XXXX ) they try to get your business by lying to you and she is been in business for over 15 year I really dont understand how is this possible this company is the worst. We will never recommend we are also filing a complaint with the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Experian 's investigation. I have already addressed this issue to XXXX but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had eleven late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX  XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided. I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Bank account or service

Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX so, I downloaded the XXXX ( XXXX ) in my XXXX. Then made a call to XXXX to understand the process. They told me to add XXXX as payee in my bank checking account and paid the money I wanted to transfer into the XXXX. So, I paid {$620.00} from my Capital one 360 checking account to XXXX and XXXX received {$620.00} from checking account on XXXX/XXXX/2016. 
Now I have received an Affidavit from Capital one 360 Bank ( Please see attached ) for me to sign and have it notarized which does not reflect the true account of the matter in question. Bank is still insisting that I authorized the creation of a certain check numbered XXXX dated XXXX XXXX, in the sum of {$620.00} which contrary to the fact. As a matter of fact, XXXX was added to my internet banking as a Payee and I was neither explained or notified by the bank personnel that they will be sending out a check instead of electronically remitting the amount to the Payee. 
I do not understand why bank is misrepresenting the entire matter to a consumer and CFPB. 
Bank needs to be held accountable for dragging this matter for five months and going.