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

I got a text message that someone was taking money from my XXXX account. I ignored it. Then I got a call and on the caller ID it said it was Wells Fargo so I answered. They pretended to be from Wells Fargo fraud department. That they wanted to take {$3500.00} out of my account and in order to stop it we needed to reverse the deposit back into my account. They tricked me and induced me into supposedly sending money to myself to reverse the action when in reality it went into their account. The next day I filled a case at Wells Fargo and in 10 days the return my money but it was temporary while they finished the invitations. Yesterday I got a letter telling me the investigation was over and they did not approve the fraud and they are taking my money back. I called and they opened up another case but did tell me theres nothing they can do. I told them bayou all and Regulation E, thats the only reason they started a new case but no promises that they would not take my money away. Apparently I researched that theres been thousands of cases similar or the same as mine and thats where I found your information, the federal law that protects us and Regulation E. The old case number denied is XXXX, the new case number that was started yesterday is XXXX. Id appreciate any help and if you need any other information please contact me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX,2017 Equifax administration sent me a Retaliation and Discriminating response through CFPB Portal.
Calling me Dear, XXXX XXXX. My name is not XXXX XXXX.My name is XXXX XXXX XXXX.
Why is Equifax Administration retaliating against me as a XXXX Military Veteran and my XXXX Lifetime?
I filed complaint on XXXX XXXX,2017 Case file # XXXX.
What 's Federal Government going to do against Equifax Retaliation and Discrimination against me as a Military Veteran?
Product: Credit reporting or other personal consumer reports

15 U.S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer idnetifies as information that resulted from an alleged identiy theft, not later than XXXX business days after the adte of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM XXXX This is so unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XX/XX/2023 has violated my rights. 15 U.S. Code 1681 section 602 a. clearly states that I have the right to privacy. 15 U.S. Code 1681 section 604 a. ( section 2 ) clearly states a consumer reporting agency can not furnish an account without my written permission or instructions. 15 U.S.C 1692 C clearly states that Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

Bank of America Card services. 
XXXX : act # XXXX and XXXX I was recently served with the summons from XXXX and XXXX for collection on bank of america behalf for the account numbers state above. 
Back in XXXX my family and I have experience financial hardship of which B of A were well aware of. I have received financial advice and was able to negotiate payments and interest rates with all of my other credit card merchant companies, but Bank of America cards services refused to offer or intended to help reduce interest rates or payments on these accounts state above. My monthly payments were over $ XXXX/mo at the interest rate of over 26 % ( which is almost triple of the legally allowed interest rate for the state of CA- usury could be a good subject to bring up in court ) .. 
I attempted to negotiate with BofA regarding my situation but instead I was directed to speak with an XXXX card services ; Balance Financial XXXX XXXX and XXXX - these were for people with financial stress ; by all three of these programs whom I spent hours on the phone, all they can verbally tell me was to " look for additional money to pay off the debt ''. This is against all debt recover programs and bail outs received by B of A, and that Bank of America ignored or cared enough to participate or offer settlement relief to their clients .... There are many complaints on CFPB even a class action lawsuit due to ignorance, negligence and incompliance of Bank of America which caused a lot of financial harm to many of the Bank of America card holders. 
Also, do note that first date of default on these accounts was XXXX of XXXX after my numerous attempts and requests for lowering interest rates and payment reductions to you. I have supporting documentation that I would be happy to include in discoveries to be presented to the judge. 
Bank of America is reporting these accounts as " charged off '' but yet you are demanding a FULL payment on the accounts you have charged off/wrote off your books and have received tax benefits from ... 
Recent attempt to settle these accounts with Bank of America have directed me to contact XXXX and XXXX. When negotiating a settlement with XXXX and XXXX I was told that they would have to get approval from Bank of America before they can accept anything less than a full balance. And earlier this year I have received a collection letter from XXXX and Company ( attached ) as an attempt to collect on behalf of Bank of America for the same accounts stated above. Also, At this point I 'm left questioning WHO is the legal owner of this debt? And why Bank of America is stating I need to settle with XXXX and XXXX, who in turn state they need to have settlement approved by Bank of America. And WHY am I served with judgement when I have attempted to settle this debt on numerous occasions ... .I have never refused to repay but B of A rejected all my payments, charged off the accounts, sent me XXXX then now I 'm being served for judgment to pay these charged off accounts and being contacted from a collection company on the same accounts. This is abuse! please help me stop this!
Product: Credit reporting or other personal consumer reports

I tried to update my XXXX balance on XXXX and Transunion. Both companies would not process my valid dispute. This dispute is new, because I never made a balance incorrect reporting for XX/XX/year>2024.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) for 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 in 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 redress for these violations.
Product: Debt collection

I contacted the collection agency to advise them that this account didnt belong to me. Theres an XXXX account with my social security number that is now in collections which is actually also showing as opened in my credit report. I work at XXXX and been having XXXX XXXXXXXX XXXX  for over 10 years, this account that is in collections is for a total of {$5100.00}. I contacted XXXX more than 7 times, went to the store and I have also contacted the collection agency. I called the XXXX XXXX on XX/XX/2022 they stated I would get a call within XXXX today is XX/XX/2022 and I have not gotten no solution. I have called them multiple times and I been on hold for over XXXX hours with no response. This account does not belong to me. Please remove this from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX TO WHOM IT MAY CONCERN, THIS IS ABOUT THE INACCURACY THAT IS INEQUITABLY FURNISHED BY YOUR ORGANIZATION ON MY CONSUMER REPORT. DUE TO THIS INACCURACY, MY RIGHT TO EXTEND CREDIT HAS BEEN DAMAGED TO A GREAT EXTENT. AS A RESULT, I WAS DISCRIMINATED AGAINST AND REFUSED THE FOLLOWING : 1. CREDIT CARD FROM XXXX XXXX  XXXX ON XX/XX/XXXX 2. AUTO LOAN FROM XXXX XX/XX/XXXX ACCORDING TO 15 USC 1681 ( A ) ( 3 ), CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.

THERE IS NO SUCH LAW THAT STATES ANYTHING THAT NEEDS TO BE REPORTED TO A CONSUMER REPORTING AGENCY, THEREFORE YOUR ORGANIZATION IS LIABLE.

FURTHER, PURSUANT 15 USC 1681 ( A ) ( 4 ), A CONSUMER REPORTING AGENCY MUST EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY.

YOUR ORGANIZATION NEITHER EXERCISED ITS RESPONSIBILITIES WITH FAIRNESS AND IMPARTIALITY NOR PROTECTED MY RIGHT TO PRIVACY.

I AM DEMANDING, UNDER PENALTIES OF PERJURY, FOR YOU TO GIVE ME A PIECE OF EVIDENCE THAT THE INFORMATION WHICH IS BEING REPORTED HAS BEEN PROPERLY INVESTIGATED. ALSO, PROVIDE ME WITH THE DETAILS OF THE SYSTEM ADOPTED BY YOUR ORGANIZATION TO DETERMINE WHETHER THE TRANSACTION TOOK PLACE OR NOT PURSUANT TO 15 USC 1681 ( A ) ( B ) YOUR ORGANIZATION DID NOT ADOPT SUCH PROCEDURES THAT MEET THE NEED OF COMMERCE FOR CONSUMER CREDIT. AS A RESULT, I HEREBY DEMAND TO DO THE FOLLOWING : 1. DELETION OF THE ACCOUNT : XXXXXXXX XXXX XXXX XXXX 2. DELETION OF THE ACCOUNT : XXXX XXXX XXXX XXXX SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Formal Complaint Regarding Inaccurate Credit Reporting and Violations of Fair Credit Reporting Act and Fair Debt Collection Practices Act by XXXX XXXX XXXX/Transunion XXXX XXXX, XXXX I am writing to formally complain about the inaccurate information XXXX XXXX XXXXXXXX has been reporting on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite numerous attempts to rectify the situation, the errors persist, and XXXXXXXX XXXX XXXXXXXX has failed to comply with the following regulations : XXXX. **Violations of the Fair Credit Reporting Act ( FCRA ) : ** - **15 USC 1681s-2 ( b ) : ** Failure to correct inaccurate information.

- **15 USC 1681s-2 ( a ) : ** Reporting inaccurate information to consumer reporting agencies.

- **15 USC 1681i ( a ) : ** Failure to conduct a reasonable reinvestigation of disputed information. 

XXXX. **Violations of the Fair Debt Collection Practices Act ( FDCPA ) : ** - **15 USC 1692f ( 8 ) : ** Using deceptive means to collect or attempt to collect any debt.its a violation for company to placed thier logo on evenlope/letter After multiple reinvestigations, I have received XXXX different reports from XXXX consumer reporting agencies, each showing discrepancies in the information provided by XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX Report : ** - The reported balance is {$680.00}, whereas my actual balance is {$600.00}. 
- The account is listed as charged off, yet it still shows a balance of {$600.00}. 
- The report indicates a payment was made in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX. 

XXXX. **XXXX  Report : ** - The report shows a XXXX late payment in XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, rendering the report incomplete. 

XXXX. XXXX Report : ** - The account 's opening date is listed as XX/XX/XXXX. 
- Information for XXXX and XXXX is missing, making the report incomplete. 
- The XXXX  delinquent date is incorrectly reported as XX/XX/XXXX. 

Furthermore, all XXXX  reports lack information regarding the transfer/sale of the debt, which is a crucial aspect of the account 's history. 

As per the FCRA and FDCPA, I am requesting that XXXXXXXX XXXX  XXXX immediately rectify these errors by deleting the inaccurate account information from my credit reports. Additionally, I am seeking appropriate remedies for each violation, totaling {$1000.00} per violation. 

I expect this matter to be resolved promptly and satisfactorily. Failure to do so may result in further legal action.
Product: Credit reporting or other personal consumer reports

I requested that the fraudulent information to be removed because the information is not mine. I am a victim of identity theft due to several data breach. Nothing has been removed to remedy the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effective XXXX XXXX,2017 any public record data must include name address as well as SSN or DOB in order for it to appear in your credit file. The credit bureau has not updated the information and per the new law true bankruptcy listed does not include this information and should be deleted from my credit report
Product: Debt collection

I have XXXX debt in my life. I have always paid all my bills on time and in full. i checked my credit as well, and I'm clear. And no letters in the mail. And all of a sudden, the past 3 weeks, I am receiving a call everyday from united collection bureau from # XXXX. And they say to call XXXX. They never say my name or specifics. Scam! Please help me to get them to stop!
Product: Mortgage

Since The United States Bankruptcy Court has discharged my debts, I have been trying to get Wells Fargo to take this property in the form of a deed in lieu of foreclosure. The foreclosure process in NY is judicial, so it takes two years. That 's too long and serves nobody 's interest. I 'm trying to speed things up with a deed in lieu. 

I 'm amazed at the resistance and red tape involved in simply conveying a property back to Wells Fargo after a bankruptcy. I have two concerns:1. Privacy. Wells Fargo is asking me to explain deposits in my checking account post bankruptcy. My fresh start is well underway. This information is none of Wells Fargo 's business. These deposits were my tax return. I incurred huge losses and this was reflected in my tax return. Also, I received some back rent in a lump sum for another property not associated with Wells Fargo. This rent went immediately to paying for cesspool repairs on the property not associated with Wells Fargo. Why do I even have to explain this? It happened after bankruptcy. The Wells Fargo property has n't been rented since XXXX. No income from this property. I 'm in bankruptcy. Debts have been discharged. Wells Fargo should take this property. 

2. Inordinate delays. Wells Fargo keeps assigning me new Home Preservation Specialists. This is n't about preserving. It 's about deed in lieu. I have been assigned XXXX different Home Preservation Specialists. Turn over in this department is high. These people are on the career path. Thus, each XXXX of them is compelled to request a document or ask a question so they can advance. It must be working for them since I have had XXXX of them. It all results in delays. This has been going on for months. I 'm tired of it. It 's time for Wells Fargo to do the deed in lieu.
Product: Checking or savings account

I am a young man, saving to buy a house so i open a savings account at navy federal. I finally save up a chunk of change, then my bank account was hacked, whoever was responsible opened an XXXX XXXX checking account ( i am just a citizen, and have never served ) then proceeded to transfer the majority of the money in the account out. I filed a fraud complaint with the bank ; however, they are saying i transferred all of my money to some random person. This is unacceptable and by far THE WORST COUSMTER SERVICE i have ever received from any bank or credit union.
Product: Debt collection

I was contacted by Credit Corp Solutions Inc ( CCSI ) via phone stating they acquired a debt from XXXX and I owe them {$53.00}. I never had a debt with XXXX for {$53.00}. I have also been a victim of identity theft, which continues to plague me. I spend countless hours dealing with this type of harassment and I'm fed up. CCSI has now mailed me an affidavit to fill out regarding the debt, which requires a notarization. I do not know a notary, nor do I feel I should be burdened with trying to obtain and pay for a notary for a debt that is not mine. I do not have the money to run around town looking for a notary and to pay for the service. I should be compensated for trying to fix a problem that is not mine and for the incompetency of a company who falsely issued a service/product in my name. Finally, I filed BK in 2020 and whatever debts that were and were not mine should be protected under the filing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information on my credit repair that need to be removed as soon as possible! The credit bureau hasnt responded or did not handle the situation correctly! They are violating my consumer rights! The fair reporting act states that all information has to be 100 % percent accurate! The fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I sent In documents supporting my case! XXXX, XXXX, Equifax has violated my rights and housing illegal information that is causing me hardship! 
Account number thats needs to be removed or Ill be forced to take legal actions is. 
XXXX XXXX acct XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct number # XXXXXXXX Addresses thats not mines I never lived here is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Mortgage

Urgent Assistance Required : Missing Mortgage Payment Transfer Discrepancy I am writing to formally escalate an ongoing issue regarding a missing mortgage payment during the transfer of my loan from Dovenmuehle to XXXX XXXX in XXXX. 

Payment History Issue : I made my XX/XX/year> mortgage payment to XXXX as reflected in my attached XXXX statement, which indicated I owed {$1.00}. 
I was informed by XXXX that my payment of {$1500.00} for XXXX was in a fund that was holding my bankruptcy payments and was to be applied as agreed. 

Discrepancy in Account Status : Upon transferring my loan to XXXX XXXX, I discovered my account reflects a delinquency status despite making all payments to them since XXXX. 
XXXX XXXX representative XXXX confirmed the XXXX payment of {$1500.00} was not transferred from XXXX and has been researching the matter without resolution. 
Attached Supporting Documentation : My XXXX mortgage statement showing the payment details. 
A copy of my prior email correspondence, which has not been addressed. 
Request for Resolution : Locate the missing payment of {$1500.00} and ensure it is properly applied to my account. 
Provide written confirmation of the resolution, including a corrected account status reflecting no delinquency. 
Investigate and explain the breakdown in communication during the loan transfer process. 
This situation has caused undue stress and potential credit impact. I kindly request your immediate attention to resolve this matter within 10 business days. 

I look forward to your prompt response.
Product: Vehicle loan or lease

On Monday, XX/XX/XXXX my wife and I leased a new XXXX XXXX XXXX from XXXX XXXX. As part of the transaction, the termination of our lease on our XXXX XXXX XXXX was processed. As discussed with the sales manager in  great detail, part of the deal was that we would be " free and clear '' of our lease on the XXXX XXXX XXXX, which included the early termination of our lease. The only payment moving forward would be on our new lease for the XXXX XXXX XXXX. 

In the first week of XXXX, I discovered via an email regarding my credit report that XXXX XXXX XXXX claims that we owe {$1400.00} and are delinquent on the outstanding balance for Early Termination of the Lease on the XXXX XXXX XXXX. We have never received a bill in the mail or via email. I called XXXX XXXX XXXX and attempted to explain that this was incorrect ; it was our understanding that I did not owe anything, as the termination of the lease was part of the transaction of leasing a new XXXX XXXX XXXX. I was told by the representative that this was based on the sale of the vehicle and the terms of my lease. The representative was very unpleasant and stated that XXXX XXXX XXXX did not communicate with dealerships and that I need to contact the dealership if I felt there was an error. 

I went to the dealership and my sales representative referred me to the finance manager who I communicated with via email. Yesterday ( XX/XX/XXXX ), the finance manager left a voicemail stating it was not {$1400.00} that I owe, but only two payments, which would be around {$790.00}. She also referred me back to the sales rep and the manager, which I will do. Though there may be a possibility of a clerical error, at this point I feel that I am getting the run around, so to speak. Either way, I think there was a binding verbal agreement that the old lease was terminated without any liability, and that we were only financially responsible for the new lease. 

Additionally, I never received a statement for the {$1400.00} from XXXX XXXX XXXX, and it was reported to the credit bureau without my knowledge that XXXX claimed it was owed. I stopped receiving payment reminders for the XXXX XXXX via email in XXXX. The website now shows the balance owed of {$1400.00} and number of days it is considered late. It also shows that we made 35/36 payments on our lease, with only the XXXX payment as not paid. I not only contend that I do not owe the {$1400.00} and but it also should not have been reported as late to the credit bureaus, so that needs to be removed from my credit report.
Product: Credit card or prepaid card

I submitted complaint XXXX to resolve a dispute with Fifth Third Bank XXXX The balance on my credit card was {$18.00} on XX/XX/XXXX while I was waiting on a response to my complaint. 
On XX/XX/XXXX I was charged a {$25.00} late payment fee. 
On XX/XX/XXXX I received notice that Fifth Third was going to pay {$12.00} of the {$18.00} in fees. As soon as I got the email that they were going to pay {$12.00} of the {$18.00} in fees, I immediately called 5/3 to pay the {$6.00} remaining. This posted to my account on XX/XX/XXXX. 
On XX/XX/XXXX I was charged a {$1.00} minimum finance charge fee. 
As soon as I received the check for {$12.00} from Fifth Third, I applied that to the credit card account. It posted on XX/XX/XXXX. 
I have called XXXX XXXX, the woman that responded to my first complaint, at the Office of the President, multiple times and left multiple messages over the past few weeks with no response. My calls always go directly to voice mail. There is no other contact information listed for her.
Product: Credit reporting or other personal consumer reports

I have made two attempts to correct inaccurate information listed on my credit report with Experian by sending certified letters. The first letter was sent on XX/XX/XXXX, and the second one was sent on XX/XX/XXXX. Despite my efforts, the incorrect information, which includes my date of birth and addresses, remains on my credit report. This has caused frustration and anxiety, as I worry about the potential impact this could have on my credit score and financial future. I am now considering other steps to take in order to resolve this issue and ensure that my credit report accurately reflects my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX thru XX/XX/XXXX Tidewater Finance Company is reporting inaccurate information to credit reports ( XXXX XXXX and  XXXX, for a car loan. The account was closed on XX/XX/XXXX and the balance is increasing as of XX/XX/XXXX while it was included in the Bankruptcy filing by XXXX XXXX attorney, at XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NJ XXXX XXXX.