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

XXXX Florida, XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XX/XX/XXXX. I came to this country with my own business, I have been in the XXXX business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX XXXX Florida, XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XX/XX/XXXX. I came to this country with my own business, I have been in the XXXX business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX XXXX Florida, XXXX de XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XXXX. I came to this country with my own business, I have been in the XXXX  business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX XXXX Florida, XXXX de XX/XX/XXXX The reason for this letter is as follows, my name is XXXX XXXX XXXX XXXX, Resident of the United States since XXXX. I came to this country with my own business, I have been in the XXXX  business for 15 years and I can not operate because banks have closed my accounts and I am not accepted in banks. I used to have my business in XXXX and the XXXX XXXX and I have never had a problem. I have always paid my taxes and have been clear explaining and showing my business. I am contacting you guys to see if you can help/assist me in this situation since I have no other way of sustaining without having a bank account. 








Note : I have been denied business and personal accounts. 









Thank you in advance. 






XXXX XXXX XXXX XXXX
Product: Mortgage

Hello My loan origination date was XX/XX/2004 my original loan amount was XXXX I don't understand why I still owe so much on my home. My loan was supposed to be a 30 year home loan. I am looking at my account with Midland Mortgage and it shows my maturity date asXX/XX/2050. I have never refinanced my home. I just want some answers as to my the payments I have made over the last 17 years have only went to the interest on the loan. I believe the balance on my mortgage should be significantly lower.
Product: Money transfer, virtual currency, or money service

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 These actions have caused significant inconvenience and financial loss, and I seek appropriate redress 48 for these violations.
Product: Credit reporting

i was victim of indentiy theft diputed to credit buareu Experian called also send letters always giving me hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, XXXX XXXX XXXX ( XXXX ) reported that I owe {$710.00}. This was reported to XXXX on XX/XX/2022. XXXX XXXX also reported this to XXXX and Experian on XX/XX/2022. 

My credit report informs me that the original creditor was : XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I have disputed this case with XXXX for I was unaware of this charge and I also did not give XXXX permission to relinquish nor sale any personal information to third party XXXX. Not only did this company harass me to pay this unsolicited debt, but also gave/sold my information to a party that I do not know. 

In addition, I was able to confirm that both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  violated 3 of the following laws : 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state such consumer owes any debt.

15 U.S. Code 1692. ( D ) ( 2 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 2 ]. The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692. ( D ) ( 4 ). A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of [ section 4 ]. The advertisement for sale of any debt to coerce payment of the debt.
Product: Money transfer, virtual currency, or money service

Wells Fargo, in their gross negligence, was effectively responsible for a wire transfer fraud. Wells Fargo allowed TWICE an inbound wire transfer to enter an account whose name did NOT match the name of the recipient of that account. This gross negligence led to me losing money to scammers when I was trying to pay closing costs for a house I was looking to purchase. 

I visited a Wells Fargo branch to try to resolve it and after initial resistance, one of their agents reached out to their investigation department to make a report, but I never saw any response. They would not offer me much help because they claimed that I did not have an account with them ( I have a credit card account with them, but not a bank account ). This makes no sense ; not having an account with Wells Fargo does not give them the license to allow obvious fraud to take place on their watch. 

Ultimately, I only received a partial recall of my stolen money. I am still short {$400.00} from Wells Fargo 's negligence. I need Wells Fargo to refund the {$400.00} remaining from the wire recall I did.
Product: Credit reporting or other personal consumer reports

I have submitted multiple letters on XX/XX/year> and XX/XX/year>, requesting for accounts to be removed from my credit report. I've also requested for the investigation done when the allegations from Experian stated they verified the accounts. I have not received any letters or any updates from Experian. This is a violation of FCRA Conducting sharm investigations that fail to properly address consumers disputes : Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher 's response to the disputed information even when responses was improbable or illogical on its face or when Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when this response was improbable or illogical on its face, or when Experian has other information available that suggests the furnisher is unreliable Experian. FCRA 's requirements. 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. FCRA violated the laws by using ineffective systems and flawed processes, and excessively deferring to furnishers to address disputes. I felt that FCRA reported my credit and failed to inadequately communicate the full scope of the problem. FCRA 's requirements. Disputed intake procedures and failure to provide furnishers with consumer-submitted documentation, uncritical deference to furnisher responses to disputed information, and failure to prevent improper tradelines reinsertions also violate the XXXX XXXX XXXX XXXX XXXX XXXX unfair acts or practice. I am requesting for these accounts to be deleted from my credit file. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 i contacted google store support due to the store not giving me the option to pay with my google store card ending XXXX. Support rep was useless. Quoted a previous unrelated order. Then said its a XXXX XXXX problem. Upon calling XXXX, they indicated they have no control over the sites store.google.com or pay.google.com. Google has failed to provide any reasonable support, representatives that understand english, and reps that understand their own websites. Google has failed on many levels and its preventing the use of a Reg Z item.
Product: Debt collection

I Sent a certified letter to the Eastern Account Debt collection agency on XX/XX/XXXX asking for validation of contract I have with Eastern Account according to the Fair Debt Collection Act and FCRA and any information Eastern Account has on file with my signature to validate the debt of XXXX dollars is my debt that is listed on my credit report. 

The debt collection agency has not responded to my request of asking for information. In fact it was updated on XX/XX/XXXX on the credit reports again as late payments. I can not be late on account that I do not have a contract with. I asked Eastern Account to provide contract with a signature or remove the debt on my credit reports from the two credit reports. 
( XXXX and XXXX ) Additionally, the Debt account is being reported differently on 2 different credit reports with different with different account numbers. 

I understand my rights and this is defamation, negligent enablement of identity fraud. I plan to pursue my rights by any means until this is resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$410.00} XXXX  XXXX XXXX  XXXX Balance : {$10000.00}
Product: Checking or savings account

I sent someone XXXX on cash app and soon after my account was restricted and i could not use it any more and couldnt make another account also couldnt get the remaining balance out of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report showed joint responsibility for a mortgage that has been assumed by my wife. I filed a dispute XX/XX/XXXX and received notice it was completed today. The item still remains on my credit report showing joint responsibility but with a note that shows I disputed it. I have documentation from Wells Fargo explicitly stating that I am " hereby released of any financial obligation. '' That is not a description of joint responsibility for an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX account ( XXXX ) still showing payment history innaccuracies The following inaccuracies are as follows : Experian and XX/XX/XXXX are showing different information when it comes to this account >>>>Experian Account # XXXX XX/XX/XXXX - 90 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX to XX/XX/XXXX - No Data XX/XX/XXXX - Closed XX/XX/XXXX - Closed XX/XX/XXXX - Closed<<<<<< >>>> >>>XX/XX/XXXX Account # XXXX XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 120 Days Late XX/XX/XXXX - 150 Days Late XX/XX/XXXX - On Time XX/XX/XXXX - No Data XX/XX/XXXX to XX/XX/XXXX - On time XX/XX/XXXX - On Time XX/XX/XXXX - On Time XX/XX/XXXX - Closed <<<< I feel as though Experian is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete this account from my report. I have clear proof of all my disputes.
Product: Debt collection

lendmark sold contract to this company the name of this company is called XXXX XXXX XXXX stating they were going to do a civil suit out against me with no legal documents I haven't receive anything since XXXX that's when the loan was taking out when I spoke to lendmark they didn't know had my contract and was trying to make me do the payment through them when I finally found the company they sold to when I look on my credit report the name was XXXX XXXX last report on credit report XX/XX/XXXX, dispute reason was the contract related to this account has been cancelled the results were deleted XXXX   has deled the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached in this complaint should be an FTC report filed on the FTC website and a notarized FTC affidavit by law you are required to block the fraudulent account within 5 days while you investigate. I have been trying to get this issued resolved for a while now it has been very frustrating, I have been studying consumer laws I have also hired an FCRA attorney he advised me to sue but I want to make this last attempt to get this issue resolved outside of court. If this issue is not resolved in a timely manner and my dispute is ignored or the account is not properly validated, I will be forced to file a lawsuit against you and the creditor that extended the fraudulent account in my name. 
If you do investigate and claim this account is accurate or is mine, I need a written sworn statement from a senior officer under the penalty of perjury that this account does in fact belong to me and also the method of verification they used to validate the fraudulent accounts.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

We received a {$40000.00} check from our mortgage company on Tuesday XXXX XXXX XXXX 

We deposited the check on the same day in the afternoon with a teller at a bank branch, and we were told that the funds should be available the next day. 

We got an email that night confirming that a hold had been put on the check for the full amount because " check specific information indicates item may be returned ''. The email also confirmed that our funds would not be available until XXXX XXXX XXXX XXXX XXXX 

We called the bank the next morning, and we were told there was nothing they could do. We asked to speak to a supervisor, and asked if we could at least have access to some of the funds, and after a long hold, he told us there is nothing he could do. 

The hold seems excessive, and the bank tellers should be instructed to give more details about the possible hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

This goes against my consumer rights, I want all items removed from my credit profile as soon as possible. I've submitted letters multiple times and it has been 30 days since my last attempt with no response. Remove all items off my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a theft affidavit and police report in regards to fraudulent accounts and the accounts were not removed and blocked. I did this on more than XXXX occasion. This is a violation of the FCRA. 

THE ACCOUNTS ARE : XXXXXXXX XXXX  XXXX BANK MY ADDRESS IS INCORRECT. IT SHOULD BE XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX AS MY ID SHOWS N
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 latform, leaving my account vulnerab e d unprotected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) cess was unfair and deceptive as they dia 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: Payday loan, title loan, or personal loan

Suntrust bank has been giving me sooooooooooo many challenges with my loan over the past year and now that I have closed the loan they have not refunded the {$10.00} they owe me after I closed out my loan
Product: Mortgage

I had a mortgage loan with XXXX  XXXX XXXX, in XX/XX/XXXX XXXX XXXX XXXX claimed I owed them escrow money regardless of all the proof I have sent them showing all my payments. In XX/XX/XXXX I hired an attorney to represent me and we went to court 6 times, each time XXXX XXXX XXXX failing to have any proof of there claims. While this claim was active, XXXX XXXX XXXX sold my mortgage loan to Seterus. On XX/XX/XXXX we went to court with XXXX XXXX XXXX and Seterus lawyers, and XXXX XXXX XXXX agreed that date that my mortgage loan should be in good standing and should be reinstated because they could not prove their claim against me and I came with all my proof of all my payments. XXXX XXXX XXXX paid almost {$30000.00} to Seterus for the false claim and to bring my account into good standing being that they made a mistake and I did not owe any money ( XX/XX/XXXX ). My first payment to Seterus was on XX/XX/XXXX and I have made every payment thereafter. In XX/XX/XXXX Seterus sends me a letter saying that I owe them almost {$10000.00} in escrow. This is the exact same thing XXXX  XXXX XXXX was doing. I have made numerous attempts to ask for an explanation and they can never provide one for me. I was supposed to refinance my house for a lower rate with another mortgage company, and I lost the deal because of this disaster. I told Seterus I want to close my escrow account and I want to pay my taxes on my own but they will not allow me to do it because my account is delinquent. This has taken such an emotional toll on me and my family, me and my wife are senior citizens on a budget who have lived in this home for over 40 years and we are now being discriminated against by Seterus because we are immigrants. They take complete advantage of our accents and play us for stupid. I have all the proof of all my payments, I am just trying to save my home, please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

X/XX/2017 My husband and I requested our credit reports and to have our credit blocked due to the Equifax breach. XXXX completed everything for us online including confirmation of our credit block. Online and phone options were unavailable for Equifax and XXXX so we sent signed letters with ss and dl copies via mail per their requirements. We both received our credit reports on X/XX/2017 but no confirmation of the block the letter was like they were trying to talk us out of blocking our credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C 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. 


XXXX Name : XXXX, XXXX, XXXX, XXXX, XXXX Employer : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX 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 Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX