23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They contacted me and left a vague message about a debt. Didn't say a name or anything. Just said it was about a debt. Have no idea how who they are or what it's for.
Product: Checking or savings account

Wells Fargo Bank has been fined by various Federal regulatory agencies an astounding {>= $1,000,000}! 

And now Wells Fargo Bank is impermissibly demanding {$240.00} in overdraft fees at {$35.00} a piece! 

Wells Fargo Bank has been held accountable and liable by Federal regulators for a strategy or policy of MAXIMIZING OVERDRAFT FEES! 

And now Wells Fargo Bank in numerous telephone calls and letters is HARASSING ME!

And all THIS must stop for the good and financial safety and security of the general public, its customers, AND ME! 

A bank fined {>= $1,000,000} is in no position be be considered TRUSTWORTHY or HONEST! 

Furthermore, one overdraft snowballs into more and more so that, and it is both outrageous and ludicrous, one of my checks for {$25.00}, another for {$5.00} and change, bounded because of the aforementioned SNOWBALLING EFFECT! 

How more admissible evidence need be presented that, in effect, and with all due respect, this is one heck of corrupt and corrupting bank? 

And they want a pound of my flesh! That is, I vitally need my ENTIRE Social Security bank deposit IN ORDER TO PAY OUR BILLS! Period! End of story!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX - XXXX # XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX Inquiries - 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 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX / XXXX several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Money transfer, virtual currency, or money service

I received an email from cash app about my account being a business account and if i recieved XXXX or more i'd get a tax form. I do not or have never owned a business. I spoke to their chat advocate and was told I converted my account on XX/XX/2022 and they have been collecting a 2.75 % fee on all my transfers. I never accepted this change nor was aware until I received an email about changes to the tax code and about maybe receiving a tax form if received XXXX or more. This would affect my taxes and I was not aware about any of this till now. This is an unfair tactic they used to collect fees.
Product: Debt collection

I recently noticed that there is a charge-off listed on my credit report, which is negatively impacting my creditworthiness. I understand that a charge-off is considered a certificate of indebtedness, and according to tax laws, it is treated as income. However, I believe there XXXX be an error or outdated information associated with this entry.
Product: Debt collection

I lived at XXXX XXXX XXXX XXXX XXXX, Texas I moved there to be close to campus with my girlfriend and her twin sister. We all signed the lease under the impression the building was a non smoking building as it states in the lease after months of going back and forth with management there pleading with them on the use of drugs in the building and the constant smoking of cigarettes and weed every day in this building I was advised the issues were being addressed because I am a severe asthmatic after weeks of this promise from the office management XXXX and XXXX they agreed to not charge any balance. If the key was returned the key was returned, and I never thought anything of it because I had already been advised that I wouldnt be charged now it is reflected on my credit negatively and Im getting constant notifications from the collection agency.
Product: Bank account or service

I opened up an account at Bank of America in XXXX 2013. That same day I asked about getting a {$100.00} loan to the bank teller. She takes me outside to the ATM machine and pressed the loan button and requested {$200.00}. I was trusting that she knew what she was doing, but a couple days later I found out my account was closed and I could n't use any bank anymore. You can see on camera that she was the one with me requesting the loan and she is shown on camera pressing the buttons a couple of times. I have no record, no fraud, I dont even owe any banks and I 've been with about XXXX diffrent banks before.
Product: Checking or savings account

I am writing to file a complaint against Upgrade XXXX for their handling of my account ending in XXXX, which I opened on XX/XX/2023. Upon my XXXX deposit of USD XXXX, Upgrade XXXX suspended my account without providing any written notice or sending any letters to my mailing address. 

Despite providing and validating all necessary identification information during the account opening process, they requested excessive proof of XXXX and kept asking for unnecessary information. My account was suspended for over XXXX months when I could not access my funds. 

Despite numerous emails and calls and the provision of many copies of documentation, my account remained suspended. It was only after all the documentation was approved that they released my account. However, by this time, XXXX months had passed.
Product: Checking or savings account

I went to a XXXX bank ATM to withdraw cash. The ATM was located inside the bank. I placed my card in the ATM and inserted my PIN. I selected the amount ( {$300.00} ) of my withdrawal and the account. After several minutes of the machine counting, I received a message to remove my card. The machine didn't dispense any cash nor did it dispense a receipt. I waited at the machine for several more minutes while it was still making the counting noise. An employee from the bank approached and ask if they could be of assistance. I explained the situation to her. I then re-attempted the transaction on the ATM and received a message stating the machine was unable to dispense cash. The employee said she would place the ATM out of service. I then went to the employee 's desk where she placed several phone calls. She instructed me that since XXXX wasn't my bank I would need to file a dispute with my bank ( USAA ), which I did. The employee gave me a the branch managers card and said she would notify her of the situation. She said if I or my bank had questions to call. After nearly six weeks I received a notice from USAA stating that my dispute was closed, and they had refused my dispute. I contacted them and asked for my dispute to be re-asserted and to send me the information that they used to make this decision. They sent me two paragraphs of code describing the transaction but no evidence of cash being dispensed. There was no video from the bank or the ATM, or any information from the ATM just an electronic notification that a transaction had happened. I am still waiting to hear from USAA. The {$300.00} charge has been applied to my account. {$300.00} withdrawl and {$3.00} ATM fee. The rep at XXXX said she remembers the situation and would talk to my bank if needed. I eventually went to the teller at the bank and successfully received cash.
Product: Student loan

A loan or loans were pulled in my name with nelnet. it is reported on the three credit bureau, XXXX, XXXX and XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.
Product: Credit card

I am writing today regarding my Barclays XXXX XXXX XXXX. Since XXXX of XXXX every payment that I have made to the account has had a payment hold placed on the payment. This hold appears on my account only after I get confirmation via text and email that the funds have been received from my bank. The payment hold then remains in place for XXXX to XXXX calendar days. For the duration of the payment hold, I do not have access to those funds as they have been taken from my bank account and Barclays is holding that money interest free while I have no access to the funds. 

I have been in contact several times over the past year with customer service representatives. No one has been able to tell me why this is happening or has been able to help me stop it from happening. I need a resolution to this situation ; it is becoming a hardship. 

A customer service representative I spoke with in XX/XX/XXXX told me she could not escalate my case any further over the phone or by email and that writing a letter to the Office of the President was my only line of action. She assured me that this letter would be read and that I would get a return phone call. I sent the letter to the exact address that was given to me ( confirmed multiple times ) and the US Postal Service returned the letter citing " Insufficient Address ''. When I asked about them providing me with a false address, they were only able to tell me to " wait and see '' if the payment holds will stop. When these reps view my account details, they all admit that there is no " unusual '' activity on the account that would warrant any kind of action such as a payment hold. 

At this point, these payment holds are causing me to make smaller payments to the card so that I have funds available for use. Making smaller payments makes interest fees higher. And the time that thy have my payment ( that they have confirmed they received ) they are collecting interest on that money that I can't collect interest on as well as forcing me into higher interest penalties because I am not able to pay the card down as fast as I would like to.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 
XXXX XX/XX/XXXX XXXX XX/XX/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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company regularly reports the wrong information to the credit Bureaus. They falsely reported that I paid XXXX, XXXX, and XXXX ( 2020 ) late. They adjust my balance by {$8000.00} up and down every month which swings my credit score by 50 points. Due to these mistakes, my credit dropped from XXXX to XXXX since XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX through XX/XX/XXXX I have disputed in various forms the following accounts for inaccurate information. They have not been properly been investigated or verified. All accounts have been ran through e-Oscar with the metro 2 compliance guidelines. I have had this problem with all three bureaus but in particular equifax .... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX ( XXXX ) XXXX XX/XX/year> To : Credit Reporting Agency Subject : Formal Request for Deletion of Unverifiable Debt Compliance with FCRA Dear Sir/Madam, I am writing to formally request the immediate deletion of an unverifiable XXXX XXXX XXXX account that was previously reported on my credit report on Experian. I recently disputed this account with XXXX, and after their investigation, the account was deleted from my credit report as of XX/XX/year>. Because XXXX has completely deleted this account, this serves as proof that the account is unverifiable and must be removed from my credit report with your agency as well. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ), credit reporting agencies are required to delete any information that can not be verified or is found to be inaccurate. Since XXXX has removed the account after their investigation, it is now considered unverifiable and must be removed from all other credit reports immediately.

Additionally, under FCRA 623 ( a ) ( 3 ) ( 15 U.S.C. 1681s-2 ), data furnishers must not report information that has been disputed and found to be inaccurate or unverifiable. If this account remains on my report, despite being removed by another major credit bureau, it constitutes a violation of my consumer rights. 
I am formally requesting that your agency delete this account from my credit report within 30 days or less, as required by FCRA 611 ( a ) ( 1 ) ( A ). Failure to comply with this request may result in legal action, as I have the right to pursue damages under FCRA 616 & 617 ( 15 U.S.C. 1681n, 1681o ) for willful or negligent noncompliance. 
Please provide written confirmation of the deletion or an updated copy of my credit report once the account has been removed. If you choose not to delete this unverifiable account, please provide me with a detailed explanation of your decision, including the method used to verify the account, within the required timeframe. 
I appreciate your prompt attention to this matter and expect a resolution within the legally
Product: Checking or savings account

I had an account for me and XXXX in my daughter name and never received my funds
Product: Checking or savings account

I have reached out to XXXX XXXX multiple times and he has yet to return my phone call. I am being evicted and just want my money out so I can afford to move home. They have created claims randomly on dates I had no access to my account. So did I just come up with a number to claim fraud? How does that work? They refuse to balance my accounts out by putting money from my checking into my savings so they can continue to charge me overdraft fees. I lost my job and have no income and them holding XXXX from me is causing me to lose my apartment and have to move home. All I want is my money back after trying to move my money from another bank but closing my old bank too soon ( not knowing it takes 7-10 ) days for a check to clear. It is a simple check but XXXX XXXX of LA US Bank XXXX in XXXX, General Manager and Assistant VP, refuses to talk to a customer after I reached out to him multiple times to have a XXXX. But of course, he is as heartless as they come. Most of the employees I have talked to have said " that sucks '' when I tell them I am being evicted. All because they will not give me my money back and close my account so I have nothing to do with this illegal bank ever again. How they are not in more trouble is shocking to me but I guess that is how America rolls. Creating XXXX of personal loans, credit cards, accounts is not a violation of the law. So the FDIC is not there to protect consumers. None of them are. When I become a lawyer, I am coming after every bank and it's illegal activities.
Product: Credit card

I am writing to file a formal complaint regarding inaccessible funds with my Apple Credit Card account On XX/XX/23, I transferred {$9400.00} from my Apple Credit Card account. However, while this amount has been withdrawn from my account, it is not accessible to me. When I attempt to use my Apple Credit Card for purchases, the balance shows only {$4.00} available credit. 

I have attempted to resolve this issue through customer service requests [ explain attempts, dates, who you spoke with ]. Unfortunately, the problem has not been resolved and I remain unable to access the {$9400.00} I withdrew from my account.

This situation is unacceptable and has prevented me from being able to make essential purchases. I rely on access to the credit I have been granted by your institution.

Please advise me immediately regarding what steps you will take to restore my access to the withdrawn {$9400.00} funds, so I can make necessary payments. If this issue is not resolved within 5 business days, I will escalate my complaint to the Consumer Financial Protection Bureau and consider legal remedies.

Thank you for your prompt attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit inquiry from XXXX XXXX that I did not authorize. It is on my Transunion Credit Report on XX/XX/2016.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please remove the following : 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 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: Credit reporting, credit repair services, or other personal consumer reports

There are addresses, collections and inquiries that are fraudulent. I have mailed a number of letters and documentation with no response. 

The following collection accounts that are fraudulent and connected to addresses that do not belong to me include XXXX XXXX XXXX ( XXXX XXXX XXXX for {$510.00} ), XXXX XXXX  XXXX ( XXXX XXXX XXXX ), and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

the inquiries are XXXX XXXX XXXX XXXX on the dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), CONTEMPORARY INFORMATION ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX)
Product: Payday loan, title loan, or personal loan

Back in XXXX, i called and spoke with XXXX XXXX about getting an deferment due to the covid19. He told me that he was able to do the deferment and it should have been for 90 days. So on XX/XX/XXXX I get a notification on my from the credit agency that I have a 60 day late on my account. So I called and spoke with a nice lady from Lending point and she said it had to be looked at by an supervisor. So today I received an call from XXXX XXXX and he stated to me that they could not call me to advice that the payment was past due, because i placed a do not call on my account back in XXXX. As I explained to Mr XXXX, even if I did when I spoke with XXXX, I told them to call me. So what he's saying is an excuse. I told him I thought I had an 90 day extension and now he telling me it was deferred for only 30 days. He didn't do anything to try to help, but tell me good luck wit filing a claim. This company is horrible, we are going through such a tough time in this country for companies employees to act the way he did. I have requested for the 60 day to be removed from my credit. Also wanted them to work with me to pay the past due balance. We just started to get unemployment last week, so we will try to get caught up. I'm filing this complaint because, people should not be treated or affected like this during an pandemic. Also they need to be looked into, because i filed an complaint with the XXXX  last year because they were taking money out of my account without my permission. This company has been a nightmare.
Product: Vehicle loan or lease

Sent documentation proving fraudulent account, company not responding at a timely matter.
Product: Vehicle loan or lease

The balance on my credit report is inaccurate. I have disputed with no response. They never answer the phone but keep reporting me every month to the credit burrow.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX contacted XXXXXXXX XXXX  and XXXX XXXX and XXXXXXXX XXXX XXXX XXXX to show information they have on me they sent bank statement but not proof of the check or the original signature I also listing them the accounts that's not mine and don't know who the accounts to belong to I also gave them FTC Report that was not honor so im resubmitting the documents need assistance to help remove or block the accounts thats reporting on my credit report without my permission XXXX XXXX. Equifax is giving personal detail without my permission.