23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My parents have XXXX certificate shares accounts managed by Wells Fargo ; XXXX account is a single account in my deceased father 's name and the other is a joint tenant account. I am currently the Power of Attorney over the joint accounts and I am trying to move the accounts into the family trust. My mother is very sick and we need to access the money to pay for caretakers. Wells Fargo is refusing to issue the medallion stamp required to make changes as we do n't have an account with them. They sent me to my bank, XXXX XXXX XXXX. They no longer issue medallion stamps. Their affiliate, XXXX XXXX, will not issue a medallion stamp as I do n't have an account with them and would need to have an account for 6 months. I called Wells Fargo again today and was told the medallion stamp is necessary so they " wo n't have to deal with the extra paperwork and I would just have to comply with the other agencies requests/guidlines. '' I explained my mother is very sick and I feel she is being denied access to her money so she can pay for the care she needs. She will be dead by the time six months is here and then the accounts will go into probate costing the family even more money. I was advised to keep making phone calls and find someone. They are not flexible. We are being denied access to our own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I checked a copy of my credit report and found some accounts that I have no knowledge of Per fcra section 605b and 15 usc 1681c2 please block these fraudulent accounts in four days Im also a victim of the XXXX XXXX breach Please block these fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A $ XXXX payment to XXXX XXXX was performed without my knowledge or consent from my Comerica Bank checking account. I do not have an account with XXXX. I filed the appropriate fraud claim with my bank on XX/XX/2021. On XX/XX/XXXX, another fraudulent $ XXXX transaction to was performed, but this time from my saving account. I filed another fraud claim with my bank the same day. I should note that no one, but Comerica Bank knows my savings account number. I have never given out this information as I've never had any reason to. 

I believe both XXXX Financial and Comerica Bank need to do more to prevent such large fraudulent transactions from occurring. I hope that by reporting this I'm able to prevent others from sharing in my unfortunate experience.
Product: Debt collection

I had a debt with XXXX XXXX for a credit card I owed on. I attempted to settle and negotiate but could not come up with the funds at that time. Once I could, I attempted to contact XXXX XXXX but they said it was sent to a debt collector. I had funds to settle what they offered, however they refused. Tenaglia & Hunt was retained by XXXX XXXX and I had no idea. Supposedly, they attempted to contact me but NEVER left messages nor did they notify me who they were and what they were doing. I finally found out and contacted Tenaglia & Hunt. They refused to negotiate. I retained XXXX XXXX of XXXX XXXX in NJ. He made some headway via emails. They asked what my expenses were in late XXXX. I gave them to XXXX and he sent them to XXXX XXXX XXXX. He has not heard anything and they refuse to communicate with my attorney since then. 

I have made the best attempt to work with this law firm, yet they fail to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

dont know who this is or how they got my information along with this company XXXX XXXX Inquiry from XX/XX/2018 Bank Institution Information XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Microbilt Inquiry from XX/XX/2018 Misc. 


Institution Information XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Earlier today, I noticed some incorrect accounts appearing on my credit report, and I am unsure why they are there. As part of my routine check, I reviewed my report, but I was surprised to find these discrepancies. I refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Because of this, I ask that my submitted documents be carefully reviewed to resolve this matter once and for all.
Product: Student loan

XXXX  - approved for PAYE IDR payment plan XXXX XXXX Submitted Loan consolidation payment plan XXXX  - applied for SAVE IDR payment plan XXXX - called because SAVE IDR had not been processed in 4 weeks and they have removed me from the PAYE IDR and placed me on the standard repayment level program without any notification. They stated it was due to my consolidation process, despite my initial consolidation application clearly stating to keep me on the PAYE program. They told me to apply again over the phone to get this issue settled within 10 business days. Submitted repeat SAVE IDR application over the phone. 
Since then, I have called every 2 weeks to attempt to get this issue resolved XXXX  - called again, put on hold for over 2 hours. they hung up on me XX/XX/ - called again, they stated they would place my ticket on " priority '' for the issue to be resolved. Throughout this, was on hold for over 2 hours to reach resolutions department XXXX  - called again, again, stating they would place my ticket on " priority '' again being on hold for over 2 hours to reach resolutions department XX/XX/ - called again, issue still not resolved. I am still on standard repayment program. I have been on hold trying to reach their resolutions department yet again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter from XXXX XXXX Notice of Data Breach informing me my personal information was compromised. The following account and Request Only You Can See currently showing and listed on my Innovis Consumer Report is the result of the data breach and identity theft : Total XXXX  : XXXX, Innovis Consumer Assistance, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, XXXX. XXXX, XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX, XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Furthermore, I want the Consumer Statement of Opt Out immediately deleted and removed from my Innovis Consumer Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX Inquiry : XXXX XXXX, 2020, VOLKSWAGEN  CREDIT  Inquiry : XXXX XXXX, 2020, XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Debt collection

To Whom It May Concern, I am contacting you regarding accounts listed on my credit report that have been charged off or otherwise written off by your company. Under IRS regulations, specifically the Internal Revenue Code ( IRC ) 6050P, any creditor that cancels or writes off a debt of {$600.00} or more is required to issue IRS Form 1099-C to the debtor for reporting purposes.

As of this date, I have not received Form 1099-C for any charged-off accounts related to your company. To comply with my tax reporting obligations, please promptly issue this form or confirm whether no such cancellation of debt was reported to the IRS.

If your company failed to report this cancellation of debt and subsequently did not issue Form 1099-C, this may constitute incomplete or inaccurate reporting on my credit, which may also fall under Fair Credit Reporting Act ( FCRA ) regulations. 

Please provide the requested documentation or confirm that these accounts were not canceled and no debt forgiveness was reported. Your prompt attention to this matter will enable me to fulfill my obligations with accurate and complete information. 

Thank you for your attention to this matter. 

Sincerely,
Product: Vehicle loan or lease

I, the federally protected consumer, was denied credit by Navy Federal Credit Union when I applied for an extension of credit to obtain property/services from XXXX XXXX XXXX XXXX XX/XX/2022. Adverse Action against the consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 USC 1691c and is pursuant to civil liability under 15 USC 1692k. Navy Federal Credit Union is subject to criminally violating 15 USC 1691 as I have proof that I was discriminated against by Navy Federal Credit Union due to the response I received. Navy Federal Credit Union is in violation of 15 USC 1642, USC 1681m and 12 CFR 1002 because, I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Navy Federal Credit Union. If Navy Federal Credit Union fails to make any reason procedures to resolve this matter and either, compensate me for the use of my credit card ; or grant me my right to an extension of credit applied for, I will indeed make Navy Federal Credit Union criminally and civilly liable for all actual damages pursuant to 15 USC 1681 AND 15 USC 1681o. I will also follow up with an invoice for said violations ( {$1000.00} per violation )
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. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On XXXX I received a letter from the bank informing me that a unauthorized charge of {$12000.00} on my store credit card was as I stated a fraudulent transaction and that I was not responsible for the transaction. The bank stated that the findings would be conveyed to XXXX different credit bureaus. But the card issuer did the opposite. They reported me as late to the bureaus, and opened additional accounts transferring charge from XXXX account to another. As a result, I lost XXXX points off my credit score on XXXX of the reporting bureaus. So, I opened a dispute with the XXXX bureaus. XXXX of the XXXX bureaus removed the negative information, but the other XXXX have not. I've done the following with no results : Contacted the card issuer whom promised me that they reported positive information in my favor to the Credit Bureaus. I've filed multiple disputes with XXXX bureaus with evidence/exhibits and applicable laws attached. But the bureaus just close the disputes stating that my file is updated ( XXXX of the bureaus demoted my score by XXXX points as a per the update ).
Product: Debt collection

In 2005 I opened and account with Household Financial. I borrowed {$5000.00} from them. Year to date I have paid them approximately {$14000.00} back and they are constantly reopening my case suing me for what they are calling interest. I have paid back three times the money I owed with a case that is over 11 years old.
Product: Student loan

I received a notification of statement from XXXX on XX/XX/XXXX which stated that some of my Federal Student Loan payments were due on XX/XX/XXXX. This broke not only the XXXX notice mandate, but also the mandated payment freeze which lasts through XX/XX/XXXX, at a minimum. 
Mandates are even noted on their website. 
I contacted them to find out why. The agent I spoke with could not give a reason, just stated that they could not change the due date because thats what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right of privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the U.S. Bankruptcy Court record currently listed on my credit report. Upon review, I have identified inaccuracies in the way this information has been reported and verified.

As stipulated under the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 5 ) : If the Credit Bureau can not validate the information with the original creditor, it must remove said information from the consumer 's credit file.

In this case, the original creditor would be the U.S. Bankruptcy Courts. However, I have received a letter from the bankruptcy court confirming that they do not furnish information to credit reporting agencies, nor do they validate or confirm public record entries. Similarly, documentation from XXXX states that it could not validate this public record information. 

It is clear that public record information, including bankruptcy cases, is obtained by credit reporting agencies or third-party providers without validation from the Recorder of Deeds or the U.S. Court system . This practice violates 15 USC 1681e ( b ) and the FCRAs privacy provisions. 

Additionally, XXXX is in violation of : 15 USC 1681b ( a ) ( 2 ) : Furnishing information without my consent.

15 USC 1681c ( a ) : Excluding outdated or unverifiable bankruptcy information from consumer reports. 
Your failure to validate or verify these public record entries is a breach of your legal obligations and constitutes fraud. As a result, these inaccuracies are causing me significant harm by preventing access to credit, thereby negatively impacting my ability to support my family.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report. XXXX XXXX  XXXX Balance : {$2900.00}, XXXX  XXXX XXXX XXXX Balance : {$13000.00}
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX account number:XXXX, Account name : US DEPT ED account number : XXXX, Account name : XXXX XXXX XXXX account number : XXXX, Account name : XXXX account number : XXXX, from my credit report because of multiple violations of the fair credit reporting act.

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Good afternoon. I was issued a BUSINESS line of Credit from US Bank in XX/XX/2015. I was explicitly told that this would be registered under my business. Not my personal credit bureau. It wasn't until some years later that it was FRAUDULENTLY added to my PERSONAL CREDIT. 

It is making it very difficult for me to get a job, buy a car, or even get an apartment. Please help
Product: Mortgage

Our payment for XXXX and XXXX was made on XX/XX/2019. We understand that our XXXX payment was 30 days late, but our XXXX payment was not. I called on XX/XX/2019 and spoke with XXXX ( when asked for a call reference number, I was told they don't provide call reference numbers ). She verified that the XXXX reporting was their error. She instructed me to email their credit reporting department to notify them so it could be corrected. I received a letter, notifying us that the reported information is accurate. I have printed off our payment record directly from the mortgage company showing it was paid on XX/XX/2019. I am attaching that documentation.
Product: Checking or savings account

University of XXXX withdrew {$220.00} on XX/XX/2018 and another withdraw ( payment ) appeared on XX/XX/2018. - Unauthorized. When I realized, my acct was in negative standing. I called, spoke to a bank representative at US Bank, XXXX XXXX. I was informed to contact University of XXXX, have them reverse the fees and once refund is posted on my checking account, US Bank will credit back all NSF Fee charges accrued. I called University of XXXX and they apologized fees reversed. When first refund credit hit my account on XX/XX/2018, I called US Bank XXXX spoke to XXXX and she assisted with crediting back 8 NSF charges. She informed me to call back when the second refund posts so they can credit my account the remaining NSF Fees ( Meanwhile my checking account has been in a negative standing for nearly a month due to timing of refunds credited back ) The final refund was credited on XX/XX/2018. I called and the XXXX number told me there was nothing they could do. For me to call my branch. I called the downtown location '' : XXXX, was told the manager XXXX XXXX would contact me. I did not hear back in 2 days, so I called back, teller told me XXXX XXXX credited my account a one time courtesy fee of {$36.00}, if I had additional questions to call back. I did, and left a message. I am still owed a total of ( 9 ) {$36.00} Overdraft Fees, for a total of {$320.00}!! I am STILL in the negative and my paycheck has been swallowed to pay this bank back with my direct deposit!! I am still owed
Product: Money transfer, virtual currency, or money service

here is the XXXX case : XXXX : XXXX This is the same complaint I posted against PayPal Inc on the XXXX XXXX XXXX : I made a transaction with a business in XXXX using PAypal because Paypal promises 100 % refund, but now will not give me my refund, tho i have proof. 
We wanted to purchase tooling to make tires in quantity from XXXX at XXXX XXXX XXXX XXXX via Paypal payment, because Paypal guarantees 100 % money back. XXXX at XXXX XXXX XXXX XXXX did not hold his end of the bargain and wasted a lot of our time, so we tried to get the money back from paypal ( {$1200.00} ) because XXXX never provided a product according to the agreed specifications and time. We have emails of these specifications and XXXX agreeing that he would give us a full refund if he was unable to produce the product before any transaction to paypal ever occurred. I called paypal 3 times prior ) to transaction. The only reason I took the risk with XXXX was because paypal protected my risk The issue is that Paypal will not give us our money back, despite full evidence provided. I called paypal over 15 times in total, spending about 8 hours across a few different days, first calling on XX/XX/XXXX and opening a case with paypal in which I was told to send the evidence via their website upload, which i did. I received an email 3 days later saying I hadn't sent them the evidence and that the case was denied because of this. So I called again, re-opened the case, and this time made certain the paypal employee had received the files and read them/viewed them and confirmed they had them. A day later, I got an email saying my case was denied because I hadn't sent the evidence ... So I called again, confirmed they had the files again, and again my case was denied a day later for the same reason. I did this about 4 times across XX/XX/XXXX to XX/XX/XXXX, each time trying to get a manager/supervisor who could promise me they would handle it, to which they would all tell me that I can not speak to the people who actually make decisions on the cases. I asked to speak to the employee who previously promised me they would handle it, and the paypal employees all say " I'm sorry we do not have the technology to connect to a specific employee. It is random sir. '' Every single employee said they can resolve this case and get my refund, but then my case is denied. It is very obvious by the emails that the seller promised me a refund as well. This should be an open close case in my favor. During all the time on hold, paypal 's waiting commercials kept reminding me that they guarantee protection for 100 % refunds as well, but they keep denying my simple and straight forward case, seemingly without even looking at the glaring evidence. 

So how am I supposed to hold anyone accountable/be sure that anyone will do anything?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureaus requesting to conduct an investigation and correct theinformation being reported. The 3 credit bureaus must validate these items in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified informationwithout providing any proof within the period allowed by law. The listed items need to investigate and correctfrom erroneous reporting. 
XXXX Account XXXX : XXXX XXXX AccountNumber : XXXXXXXX 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