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

My deposit from Social Security was deposited into my account on the XXXX Wednesday, and my account was overdrawn by XXXX. The bank recovered their fees from the deposit but froze my funds where I could not make any transactions. I was in the process of purchasing food and my transaction was not approved. I called the bank and the bank stated my funds would be available the next day because the transaction had to be posted manually. I stated if that's the case no funds should have been taken out of my deposit as well until the next day. The money was there, my deposit was there and this is the XXXX Wednesday. I should not be penalized to not be able to get access to my money once my money was received by the bank. In my opinion this is a way to discourage me from using this bank for illegal tactics to the customer. This is not the bank funds when the money comes in from a government institution for a customer. This is an abuse of Power by the bank, and illegal and unlawful practices by bank. They also took a portion of my Stimulus money to cover overdraft fees. This bank is Regions Bank. I spoke with four different people and they all spoke the same script. I still was unable to use my money on the day it was suppose to be made available to me.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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

Account Name : XXXX XXXX XXXX. 
Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX - XXXX XXXX  XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

There are inaccuracies on my credit report under 15 USC 1681c-2. The hard inquiries included were not approved by me and are impacting my credit score. Kindly remove the unauthorized entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

The is a new inquiry on my XXXX  and XXXX credit report. I do not know who or how the account has surfaced on my account. I have filed a FTC report and have uploaded a copy.
Product: Debt collection

FIVE COLLECTIONS ARE REPORTING UNDER MY XXXX CREDIT REPORTING AGENCY, THESE DO NOT BELONG TO ME, I HAVE ALREADY ATTACHED MY POLICE REPORT THAT AT SOME POINT I WAS A VICTIM OF ID THEFT AND THESE DO NOT BELONG TO ME, PLEASE YOU ARE MY LAST HOPE TO THIS ISSUE, THIS HAS GONE LONG ENOUGH THEY ARE THREATENING ME AND XXXX IS NOT HELPING THEY ARE TAKING THE COLLECTION AGENCIES, AND NOT THE CONSUMERS, PLEASE HAVE THIS ISSUE RESOLVED, I CANT FIND ANY OTHER WAY TO HAVE THIS RESOLVED, AS A CONSUMER I NEED YOU R HELP THEY ARE NOT ALLOWED TO REPORT ANY MEDICAL RECORDS OT OTHER AGENCIES, ESPECIALLY IF THESE DO NOT BELONG TO ME, PER HIPPA LAW THESE ARE NOT BYLAW ALLOWED TO BE ON SOMEONE ELSE 'S REPORTS. 
PLEASE HELP THANK YOU
Product: Credit card or prepaid card

I was traveling in XXXX from XX/XX/2018 through XX/XX/2018. While there i used my Capital One Venture card exclusively for many purchases. I am very careful with my spending and keep a close eye on all purchases. Due to internet limitations on this trip i was not able to check my statement until returning home to the United States. When i got home i discovered 3 fraudulent charges totalling over {$3500.00}. They all had unrecognizable merchant names and said " dining ''. I have never spent over {$50.00} for a meal let alone anywhere near {$1900.00} as one of the 3 charges showed. I filed a fraudulent claim with Capital One. They removed the charges, and then over a month later i received a later stating they determined the charges were not fraudulent, and if i had any new info to contact a phone number. I called this number during business hours 8 times. Every time it went to a busy signal. No voicemail, no message, just a busy signal. So i called the general fraud line and they agreed yes it is a busy signal and they don't know why, but they will leave a note someone to contact me. At this point I noticed the charges had now re-appeared on my account. After several days i received a voicemail, and called them back the next day, this time actually getting through. I spoke with a representative and they have removed the charges again and say they are re-looking into the fraud. My main issue here is a few things ; 1 ) The  system for contacting the agent investigating your case is horrible. There should be a voicemail or at least a message of some kind, not just a busy signal. 2 ) I have not been given any proof of how they are determining that this is fraud. They say they can't read the receipt because its in XXXX, and are simply implying its all legit because the card has a chip. 3 ) Its extremely obvious that something is amiss as the address, names, and amounts of the charges are all suspicious. I will also add that the other person i was traveling with also had fraudulent charges on his card ( although it was XXXX ), and his case was immediately handled and he was not responsible for the charges. The 3 charges are for {$1900.00}, {$1000.00}, and {$480.00}
Product: Debt collection

XXXX and XXXX refused to provide collector id called me back to back and then when I answer man failed to provide his name I asked what ucb was he hung on me I called back got XXXX he refused to answer my questions I asked for a XXXX he said managers are in a meeting and they cant speak to me. I explained I want a XXXX and he was failing to provide me the information and Im upset with getting harassed. I finally got with XXXX a XXXX but he sounded just like XXXX the last rep. I asked for validation he kept over talking me I said your coming is harassing me and that I know the laws and they are breaking so many he said thats ok it doesnt matter he is allowed to over talk me. And refused to answer any of my questions. He kept saying things to argue. I asked for validation and what he was collecting on he refused again and I said I want validation sent to my house and I do not want them to call me again.
Product: Money transfer, virtual currency, or money service

I live and work in XXXX and I hold an Iranian passport. 
My Coinbase account has been block after I tried to verify my identity with my Iranian passport on XX/XX/XXXX. 
Before, I 've verified my Identity on Coinbase with my XXXX driver 's licence and my bank account and then started trading with no problem. After few days I was asked to provide one more government issued ID to double verify my identity. so I submitted my Passport. 
As the result, my account has been blocked, claiming I tried to log in from XXXX! The moment this happened I was in XXXX, XXXX enjoying my holidays. Which proves the excuse for blocking my account to be an absolute false claim. 
Since then I have no access to account nor my money. In total XXXX Euros and about XXXX Bitcoin I 've emailed 5 times, called customer support 3 times and I 've got no response at all. I even submitted the following documents as the evidences of my residency in XXXX on XX/XX/XXXX. 

- my Driver 's licence - my work/residence permit - Residence registration certificate issued by city hall in XXXX, XXXX - electricity bill - Heating bill - my Credit Card statement below is the message I received every time I try to login to my account : " Our records indicate that you have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ( XXXX XXXX of ) ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. ''
Product: Credit reporting or other personal consumer reports

I just looked at a copy of my credit report. It stated that the credit inquiries mentioned below were the source of the credit request. On the other hand, I did not authorize these inquiries. I'm sending this to dispute these inquiries and request that it be taken off my credit report as a result. 

XXXX XX/XX/XXXX XXXX OF 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 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 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

On XX/XX/2023 I submitted letters to Equifax, XXXX, and XXXX asking them to reinvestigate the information previously disputed and provide who they verified the inaccurate information reporting on my credit report with and I have not received a response. The date is now XX/XX/2023 and I understand the next step is litigation, however I am giving the bureaus a chance to rectify this situation. I want to formally file a complaint and receive the fair response that I am due. Please hold these companies accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Heres the problem the following accounts orginated from my identity being compromised, therefore they are fraudently reporting on my credit file. And this has emotionally and mentally challenged me, Therefore, Im demanding the remove of these accoints. 

1. XXXX XXXX XXXX {$870.00} 2. XXXX XXXX {$1500.00} 3. XXXX XXXX  XXXX {$1000.00} 4. XXXX {$710.00} 5. XXXX XXXX {$22.00}, XXXX 6. XXXX XXXX {$100000.00} 7. XXXX 8. XXXX
Product: Mortgage

I experienced a hardship that caused me to fall behind on my mortgage. Shortly thereafter the XXXX pandemic hit and my hardship was compounded. I am not sure if I was ever given the forbearance. I was not given any post COVID assistance. My lender did not make me aware of any assistance that was available. My lender then had me served foreclosure papers XX/XX/2022. I had my attorneys office send a research request on XX/XX/2022 asking for all correspondence advising of XXXX XXXX  available. They have not responded and will not answer any questions regarding the handling of my loan during the pandemic. I am now in foreclosure and at risk of losing my home and my lender will not explain why they did not help me or even advise of available assistance. Now I am in foreclosure and incurring legal fees that I believe was unnecessary if I would have been able to take advantage of assistance. Thank you.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against unfair practice 's cash app ( Block Inc ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ) specifically. Cash app failed to take timely and effective measures to prevent and address fraud on there platform. leaving My Account vulnerable and unprotected. Furthermore, The dispute resolutions process was unfair and deceptive as they did not comply error resolutions requirements under the electric funds transfer act ( EFTA ) and regulation, E. These action has caused and significant inconvenience and financial loss. And i seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

XXXX was taken from my account and sent to another PayPal account who is a fraud/scammer. The person gets your money then closes the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting to the credit bureaus every month that my payments are 90-120 days late. I checked with them and I do not owe anything to them for several more months because I am in deferment. I disputed this with XXXX  and they changed it to reflect an even worse and more incorrect payment history. Attempted to contact navient regarding the issue and they said they couldn't help me with credit reporting issues.
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 proces 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 10. financial loss, and I seek appropriate redress These violations.
Product: Credit reporting or other personal consumer reports

In XXXX my XXXX XXXX XXXXXXXX account was closed for what they say was fraudulent activity. When I asked them to investigate the fraudulent activity on my account they did not do so. I explained that I never came into their branch and to view the video cameras because someone else had stolen my debit card and tried to withdraw money that had been deposited by whom ever stole my card. Due to the closure I was place in Chex system and wasnt able to open another account. I disputed with Chex system to also investigate and verify and validate the account and nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has committed fraud by putting inquiries on my credit report without my consent. Which is a violation of my rights pursuant to the FCRA ( Fair Credit Reporting Act ) namely 15 USC 1681 and multiple violations pursuant to the FDCPA. These fraudulent reports have damaged my reputation and caused pain and suffering due to the inquiries causing my credit score to drop which in turn affects my livelihood. These " XXXX XXXX  '', " XXXX XXXX '', and " XXXX XXXX XXXX '' Inquiries should be removed from my report immediately.
Product: Mortgage

We are in the midst of a loan modification ( mailed XX/XX/19, emailed XX/XX/19 and mailed again XX/XX/19 ) and today received notice of foreclosure and scheduled sheriff sale!!! I thought this was not legal?! We are in the midst of the modification and I have been actively communicating with PHH. I let them know the paperwork was coming more than 7 days ago ( the day it was first put in the mail ), resent by sending scanned and emailed the documents on XX/XX/XXXX and then put them in the mail *again* today XX/XX/19. PHH is dual tracking. They are predatorily pushing us out of our home and wreaking havoc on my family. 
I have already submitted a complaint about their unfair and incorrect attempt at ignoring our original loan modification, which was approved by Ocwen before PHH took over. That is a separate complaint ( XXXX. ). They required us to re-apply for the modification after I spent 5 months trying to correct the problem, which was their mistake and was met only with calls they had me on hold for up to two hours! 
XXXX And now they are pushing us out while we are applying for a new modification ( and they know full well that our circumstances have changed and will make it harder for us to get approved for a modification! ) Please please help get this company on the straight and narrow. Please help us save our home. We are not without money, we are honest hard working people who have suffered great hardships and have tried to kept an open dialog with PHH. 

I have attached the notice of the Sheriff sale from today 's mail. I have also attached the a a c t i v e mortgage modification application
Product: Debt collection

The original creditor as listed on my credit is XXXX XXXX XXXX XXXX XXXX MAIN APTS the account was open in XXXX but its listed on XXXX as it being open on XX/XX/XXXX I did a 1 year lease. I moved out to another state and they have placed it on my account showing I owe XXXX  which is inaccurate and I have tried contacting them on numerous occasions in order to see how is that possible. It's still showing the account is open and it last reported on XX/XX/XXXX. It's listed as National Credit Systems on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be updated as soon as possible. 
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 card or prepaid card

Fraud.., on XXXX XXXX charge.. not my charge.. not my address
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following items : XXXX - 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
Product: Credit reporting or other personal consumer reports

The fraudulent credit card accounts still remains on my credit reports from all three credit bureaus, Wells Fargo is using fraudulent personal information to keep the fraudulent account on my credit reports. I spoke with Wells fargo and sent them a FTC report and nothing have been done to remove the account. They are using fraudulent unauthorized addresses to my identity and reporting it with the account to the credit bureaus. I'm not receiving any mail from these creditors, this is unlawful. The business addresses that Wells fargo is reporting to my credit report is XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and a closed transit station called XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX. 

This account number reporting on : ( XXXX and XXXX XXXX ) and ( XXXX XXXX ) was deleted from my credit report and Wells Fargo reinserted back the account to my credit reports using these fraudulent unauthorized addresses above.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information listed below is false account information. These accounts do not belong to me and must be removed immediately. I have filed a complaint with local authorities and the FTC. 

1 ) XXXX XXXX XXXX XXXX  {$14000.00} Opened XX/XX/XXXX 2 ) XXXX XXXX {$0.00} Opened XX/XX/XXXX 3 ) XXXX XXXX {$5000.00} Opened XX/XX/XXXX
Product: Mortgage

Our mortgage was sold to Mr. Cooper/Nationstar in XX/XX/2019. Upon receiving our account, Mr. Cooper performed and escrow analysis and determined that we had a surplus. They sent us a check for {$1400.00} and emptied our escrow account, bringing the balance to {$0.00}. I realized that this was not correct and called Mr. Cooper and was instructed to send the check back, which I did. In the meantime, they performed another escrow analysis and determined we had an escrow shortage. Upon review, we realized that they had incorrectly projected our taxes to be {$11000.00}, despite our county tax appraisal to be under {$6000.00}. They also had a " miscellaneous tax '' for XXXX county for {$3700.00} - our property is not in XXXX county and we do not pay taxes to XXXX. I called immediately and reported that they incorrectly assessed our account. I was told that they would need to remove the incorrect tax, which would take 7 days, then send our account back for re-analysis. I called yesterday, XX/XX/19, which was more than 7 days later, and they still had not removed the incorrect XXXX property tax. I told them that we needed to get this resolved as soon as possible, seeing as our payment due XXXX is nearly triple our current payment. I was told that they were unsure whether they would be able to resolve our account prior to the payment due date, and we would need to pay the full payment ( {$3000.00} ), otherwise the account would be sent to collections. I have submitted all of the necessary documentation to Mr. Cooper, but have yet been able to get our escrow account corrected.
Product: Credit reporting or other personal consumer reports

I was disheartened to discover unauthorized inquiries on my credit report this evening, and I can't understand why they're there. I routinely check my credit report, but this time, discrepancies appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but nothing changed. The unauthorized inquiries remained, leaving me deeply concerned. I urgently request that the documents Ive submitted be reviewed thoroughly so I can put this issue behind me for good.