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

I mailed a check to my granddaughter from Florida to Georgia. The check was stolen and the name, date and amount were changed. It is very obvious to anyone that the check was altered but someone walked into a Wells Fargo branch and was told the amount of money in the account and cashed a check for {$7000.00} to completely wipe out my account.. Another check hit the bank the same day so the account became overdrawn. I was sent a notice from Wells Fargo that my account was overdrawn. I immediately checked the account and saw a check for {$7000.00} had been cashed. I went to the bank branch in XXXX XXXX XXXX and was told they could not help me. I had to do everything by phone. I stayed in the bank and made the phone call. My current account was closed and a new account was opened. But I had no money or checks to pay my bills. I have made approximately 10 phone calls to Wells Fargo since XX/XX/XXXX and have accomplished nothing except a runaround and lies. I contacted the XXXX Police Department and our local sheriff 's fraud department and filed a complaint. I contacted all of the credit bureaus and froze the accounts. I have not yet been able to speak to anyone that spoke good english and could give me any good information. Wells Fargo personnel constantly change the rules and things I am supposed to do. I was told it would take 2 to 5 business days to get my money replaced. When that didn't happen I was told 10 to 12 business days, then 12 to 14 days. Now that 14 days have passed an agent told me they were mailing me an affidavit ( supposedly mailed XX/XX/XXXX but I have not received it ). I am to complete the affidavit and mail it back to them, then they will start their investigation. The agent also told me they tried to call me on XX/XX/XXXX but I have no record of any call. I did receive a letter from Wells Fargo on XX/XX/XXXX, dated XX/XX/XXXX stating they would help me and to call a number. When I called the number the person said I needed the 8 digit code that was in the letter. I have had several people look at the letter and there is no 8 digit code. I asked them to send a text to my phone and I would reply but they said they couldn't do that. I was informed that without the XXXX digit code nothing could be done to help me. I am totally mentally exhausted from this frustration. Everytime I get to talk to someone after pushing many buttons on the phone they say it is not their department and the department that I need does not accept phone calls or emails. This is a nightmare. I am XXXX XXXX XXXX and a widow. My social security and my husband 's federal pension have been stolen. Please help me.
Product: Debt collection

Back in XXXX of this year, I placed an order from a company in XXXX XXXX XXXX XXXX ), for some make-up items. Unbeknownst to me, the company shipped the order in way where I was to be charged for freight, even though their website guaranteed a fixed cost for shipping and delivery to the XXXX within XXXX business days. They used XXXXXXXX, and they also included a wrong telephone number to contact me. 

Apparently, XXXX tried to reach me numerous times but, since they had a wrong phone number, they could n't. When days were going by and I still had not received the order I contacted the company via email. They were very unprofessional and after much back and forth, they provided the airbill number to the package and I was able to contact XXXX to retrieve it. 

They delivered it to my house, and never told me I would be billed extra for accepting the package ( which would have given me the option to refuse it XXXX. About a month later I received a bill for over {$120.00} from XXXX for freight charges ( more than double the total cost of the order ). I called and explained to them the circumstances, especially that the merchant had been deceitful and was now no longer responding to me, but to no avail. I know they are required to tell me about any extra charges for picking up a package but they never did. Since I order from abroad all the time and this has NEVER happened to me, I had no reason to think otherwise. 

Since then, they have referred me to a collection agency, threatening my credit and are also now charging interest ( see attached copies ). I have filed a protest ( also attached ) with the XXXX Customs and XXXX XXXX ( as suggested by XXXX themselves ), as well as an amendment and sent it to them, but everything seems to be falling on deaf ears. 

Please, can you help?
Product: Checking or savings account

Any over draft fees applied to my checking account in the month of XXXX. 

Its seems to me as though this bank places pending transactions at a vulnerable time to process causing my account to fall negative. In turn charging me a {$36.00} fee every time. The alerts that are sent to me are made at XXXX in the morning. And I feel this is highly unethical to me be charged this many times..
Product: Mortgage

I was charged {$20.00} for payoff statements that were requested by a third party in connection with a refinance transaction. The mortgage and note do not mention any fees to be charged for mortgage maintenance. There was no fee schedule included in my closing package, which was confirmed by XXXX XXXX of Quicken Loans by telephone conversation on XX/XX/2020 at XXXX XXXX XXXX. At closing, I was never made aware of any fees to be charged for payoff statements or maintenance of my loan. Quicken Loans refused to remove the charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, 15 U.S.C. 1681g ( a ) ( 1 ) ( A ), before any and all accounts you post you are required by federal law to verify all information in my file through physical verification. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see written confirmation of the consent by way of a contract with my wet-ink signature giving consent to the furnisher to communicate with a corporation outside of their corporate control. Under FCRA 15 U.S.C. 1681a ( o ) ( 5 ) ( A ) ( i ) ( iii ) I demand to see Verifiable Proof you have in my file of the accounts listed below. Your failure to positively verify these accounts will hurt my credibility and my ability to obtain credit. Under the FCRA, 15 U.S.C. 1681i ( 5 ) ( A ( i ) unverified accounts must be deleted 1 Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX WI, XXXX XXXX XXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

XXXX XXXXXXXX XXXX XXXX # XXXX You have previously verified this account as accurate. However, the high balance amount is not reporting accurately and must be removed from my report. 

Please remove all non-account holding inquiries over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + TransUnion, In my latest credit report dated XX/XX/2022 there are inaccurate variations of my name and wrong mailing addresses that need to be corrected. 

Attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shots on where they are located on my credit report Please have these handled as soon as possible.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I seen accounts on my credit profile and it is a violation of my rights FCRA 605B ( 15 U.S.C. 1681c-2 ) You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance. Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), 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 to whom the report relates.

You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.

My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.

I, therefore, request that you immediately delete the items specified above from my consumer file with your agency. Failure to do so will require that I take appropriate legal action.

All these violations are a direct violation of 15 USC 1681. No consent is identity theft, and these violations are Aggravated Identity theft, according to [ 18 USC 1028A ] ( a ) ( 1 ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.

For damages, I am invoking my rights as a consumer pursuant to 15 USC 1681 ( n ) civil liability, and I demand compensation for every violation listed below ; 1 Permissible purpose {$1000.00} Defamation of character {$1000.00} Damaged reputation {$1000.00} 4 Damaged credit worthiness {$1000.00} Damaged mode of living {$1000.00} 6 Infringed on right to privacy {$1000.00} Cease the reporting of this erroneous and deceptive information on my consumer report. Delete the specified accounts from my consumer report and all your systems. 
Sincerely PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXXt Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section @ : 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 account under an open end consumer credit plan as late for any purpose.
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. These actions have caused significant inconvenience and financial loss, and I seek appropriate readdress for these violations.
Product: Mortgage

I had a loan with Key Bank which seemingly they became the holders of. There were either three other holders before them, as I recall. The loan was paid off back in XX/XX/XXXX. I have not received my original ( not copy ) proprietary lease, and share of stock. Nor have I received proof of payoff which would include a XXXX termination notice. I received only a blank XXXX with no property address or termination stated thereon and my name was incorrectly spelled. These are the collateral for the loan which originated with XXXX XXXX XXXX in XX/XX/XXXX. Furthermore I have not received my recognition agreement, or complete loan documents. I have been calling them and complaining about this and have got finally just an incorrect XXXX, and a copy ( emphasis added ) of the adjustable rate note, loan security aggreement, and RESPA statement. 
I have told them that absent the original shares of stock and proprietary lease, and a completed filed XXXX termination notice from the county I can not sell the apartment, or do anything. Six months is more than enough time to have all this done as the original documents should have been provided to me no later than XX/XX/XXXX, and the XXXX should have been sent no later than three months from closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX and the reason I reaching out is to complain on XXXX  and how they have been lacking of reaching out or reporting to me on any updates. They have exceeded the 30 days multiple times and yet I have not seen no change or any movement on my account. They are reporting accounts that are not mine and I need to get this resolved as soon as possible. I already have mailed multiple letters through certified mailed, which are dated, and listed everything listed as detail as I could be. I have included everything they required and I still have not seen nothing change. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

I did not apply for credit nor give consent for my information to be used, therefore these are fraudulent opened by someone using my identity and reporting it is a violation of the FCRA. I didnt enroll or apply for this. This is a violation of my consumer rights under XXXX XXXX XXXX. I never gave consent to this being reported, therefore it is identity theft and under XXXX XXXX XXXX and per XXXX XXXX XXXX XXXX item identified as identity theft must be deleted and blocked. 

SEE ATTACHMENTS
Product: Debt collection

I HAVE CALLED ON THIS SUPPOSEDLY OWED DEBT I NEVER RECEIVED THE LOAN OR DID I GET A LETTER. I WAS GETTING THREATENING CALLS FOR THE DEBT AND WHEN I WOULD QUESTION PER MY RIGHTS I WOULD GET YELLED AT OR HUNG UP ON SEVERAL TIMES.
Product: Debt collection

I was contacted on XX/XX/15 by a private investigator to call a number. They said they have been following me. They gave me an account number. I called the number, someone named XXXX answered. He said that Check-n-go was going to take me to court for check fraud. He said that I owed {$3200.00}. They gave me settlement amounts. I asked for company name, and credential info. They did not give me that information. I was pressured into giving them my debit card info. I set up a payment plan and gave it to them - they said they will start drawing it on the XXXX.
Product: Debt collection

Company MRS BPO LLC IS A BANNED COLLECTION AGENCY ON GOVERNMENT LIST ONLINE. They are trying to collect on an old phone account that I paid of before they even released my phone number I had to pay and called company they even stated I paid. They need to stop trying to collect and not put on my credit
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report. Please find the ATTACHED documents to assist in the removing of the inquiries which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : -- -- -- -- -- -- -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

Toyota / XXXX XXXX XXXX has systemically defrauded millions of borrowers out of countless dollars in interest payments, by purposefully making it difficult to prepay their auto loan products.

Specifically, TFS doesn't allow prepayment of principal online. While they allow extra payments ( payments in excess of the monthly installment amount ) to be sent via online submission, it only prepays principal and interest, and doesn't reduce the loan balance. Millions of Americans would not understand that this subtle difference results in zero benefit from an interest standpoint.

It truly is predatory and should be looked at given the VOLUME of loans going through this lender.
Product: Credit reporting or other personal consumer reports

I have noticed potentially erroneous and highly questionable remarks on my credit report that were neither verified. As a consumer, I have the right to request that you remove these entries immediately, in accordance with my federal and state consumer rights. This complaint is also a check to ensure the items you report comply with FACTA Title 1, Section 151, which clearly outlines the procedures to be followed. XXXX XXXX Date Opened : XX/XX/XXXX {$1400.00} XXXX XXXX  XXXX Date Opened : XX/XX/XXXX {$5700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$2300.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$5100.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX {$2600.00}
Product: Payday loan, title loan, or personal loan

I got a loan of {$700.00} on XXXX/XXXX/XXXX from XXXX. I have paid 4 payments of {$260.00} since my first payment ( monthly ) on XXXX/XXXX/XXXX. Before my third payment I called to ask the exact amount for payoff of this loan and was told $ 900+ which I could not pay at the time. I assumed after the third payment and the 4th payment my total payoff would be much lower so I called before my 4th payment to ask the payoff amount so that I could get this bill over with and was again told the payoff amount was $ 900+. I have paid {$1000.00} as of my 4th payment on XXXX/XXXX/XXXX. I feel that I have paid my original amount of {$700.00} plus {$350.00} in interest. 

Now, I am beginning to feel scammed because that is enough for a {$700.00} loan. I am a senior of XXXX years old on a fixed income, and this becoming unbearable  for me. I have borrowed from XXXX  before and only paid approx $ 100-200 depending on the amount borrowed, however, I always made the loan off on the first due date, this loan of {$700.00} is the first installment payments I have made. I am scared and know this is wrong, so please help me with this
Product: Payday loan, title loan, or personal loan

I worked payment arrangement out with the company and wasn't suppose to receive a 30 day late. XXXX of XXXX, XX/XX/XXXX, XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like clarification as to why certain information is reporting on my credit file. Please review the following ; Inquiry Name and Date : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX  XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX  XXXX XXXX -- XX/XX/XXXX XXXX XXXX, XXXX XXXX -- XX/XX/XXXX XXXX XXXX  -- XX/XX/XXXX Please send me documentation with proof of signature showing that i infact applied with this creditor otherwise delete this unverifiable inquiry from my credit report. Also I have been saying this for several months now and it still has not been fixed i have goodwill adjustments from XXXX XXXX ( XXXX ) for the late payment of XX/XX/XXXX. I also received a goodwill adjustment from XXXX XXXX XXXX XXXX ( XXXX ) for the late payment XX/XX/XXXX. Even though the creditors sent the same letter to you. You are refusing to remove it from my credit. Please remove all inquires that i have listed above as well as the two late payments THAT SHOULDNT BE ON MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been with the company since XX/XX/20 and havent seen much improvement in my score. Last I checked it was XXXX, Im not satisfied and would like a full refund.
Product: Credit card or prepaid card

I applied three times, a 'hard inquiry 's day of shame. I was rejected and declined a Walmart and capital ones credit program and a MasterCard is not being processed for XXXX XXXX dollar credit limit and in fine print each time even announcing you as some defense Walmart has not made it any easier on me and my loved ones. I was gurenteed offer after decline even. What a fraud life is claiming. I need my MasterCard as intended by credit application and even fair trade. When will any of you do the right thing for the people of the XXXX XXXX, California. I am a US citizen I hope Walmart by national enterprise is not to blame for the discrimination I feel today. As of yesterday XX/XX/XXXX..e Way to insult a XXXX XXXX this day and age. Have mercy on us all still seeking our salvations. Please help as of XX/XX/XXXX urgent request for rewards card send in mail end of dispute
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on the XXXX XXXX account despite the previous appeals sent to Experian. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX  customer service representative.