23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Please re-investigate the information that are NOT relating to any transaction by the me. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to block or remove this information from my credit report.
Product: Checking or savings account

On  XX/XX/XXXX  my wife & I went to Bank of America (   XXXX   XXXX   XXXX   XXXX  ,  XXXX  WA ) to close our account. We were told to close our account, we would need to withdraw all of our money, then call their customer service number and instruct them to close our account. We did this and were told our account was then closed.
On  XX/XX/XXXX  an automated charge went through. Since it was pending, Bank of America automatically reopened the account. That has caused more funds to be drafted from the account and they have levied fees against us.
Product: Debt collection

My job received a letter from XXXX County NJ courts to garnish XXXX from my wages. My employer funrnished me a copy, this was the first I heard of this alleged debt. I called XXXX XXXX XXXX who supposedly purchased the debt, from another collection agency. As far as they could tell the original debt is from 2003. I told her the practice to collect on such an old debt is at best unethical and at works illegal. I was informed that XXXX collect on credit card debt for 20 years which is a lie and illegal. Since she refused to help, I called the court house and they confirmed the original debt was from XXXX in 2003. The Statute of Limitations is for 6 years on a credit card debt. This is 15 yrs old. Furthermore I do not recognize the debt, I do not remember having a credit card from XXXX ever. Therefore here has been no payment on the account that could possibly renew the 15 yr old fraudulent debt. The law firm of Fein, Such , Kahn & Shepard is buying Zombie Debts and using unlawful practices to obtain money from people. Also the XXXX County Courthouse should have known better!
Product: Credit reporting or other personal consumer reports

In accordance with 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 : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are recently reporting a closed account over 10 years old XXXX XXXX which is hurting my score, violating my privacy rights, and consumer laws. This should not be reported as the account has aged out of the consumer reporting law. Please remove this completely from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violation
Product: Money transfer, virtual currency, or money service

Last XX/XX/XXXX, I opened a case in my personal Capital One account, account number XXXX ', routing number XXXX ' to recover a bank transfer that I made last XX/XX/XXXX for {$10000.00} on an investment course to a company called XXXX XXXX XXXX XXXX that turned out to be a scam. The case is in the Federal Trade Commision FTC where the XXXX company has lost the case, the reason for opening the case in my personal Capital One account is to ask Capital One for help to recover my money, more than 5 months have passed. and Capital One has the case open and they do not give me any response to help me resolve this fraud problem, every time I call they tell me that it is under review. 

The banking institution that received the transfer is XXXX XXXX XXXX, account number XXXX ', rotuting number XXXX ', I will attach all the documents of the entire process along with the contract of the fraudulent company. 

I understand that us the clients have insurance in banks that are affiliated with the FDIC of up to {$250000.00}, where we have our money and in any case of fraud or unofficial actions that threaten our savings, it seems unfair to me that Capital One has not shown no sign of interest in helping me. 

I hope we can resolve this issue in the best way possible and that those of us affected can continue to trust leaving our money in Capital One. 

Thank you so much.
Product: Credit card or prepaid card

To whom it may concern My name is XXXX XXXX XXXX and i would like to file a complaint/claim against XXXX XXXX XXXX  i believe that my account was involved in some type of fraudulent or scam activity which took XXXX $ out of my bank account. I also think that XXXX XXXX is behind it and don't want to admit to their error. i had a prepaid bank card that was provided to me from them when i filed my taxes last year everything was fine up until XX/XX/XXXX of 2021 i woke up one morning and check my account and it said a total of XXXX was deducted from my account so the first thing i did was call the bank to see what happened because my card was not lost or stolen and i did not give my card or pin to anyone to use so i was not sure how something like this could have even happened. they advised me they would close out the old card and send me another card even tho i still had access to the card in question and asl they would submit a claim for the amount that was missing from my account. after the claim was put in they sent me an email saying after their investigation of the claim it was denied and said i had authorized the transactions which i did not. so i asked them to send me my billing statements and transactions which they did and it showed about 20 atm withdrawal from two separate locations one location was XXXX XXXX XXXX and the XXXX location where the multiple withdrawals took place was at XXXX XXXX XXXX both location were located in XXXX XXXX which i googled and found out that it was a XXXX XXXX  ATM located in a XXXX  Pharmacy. After i realized that there must be some type of mistake i filed a police report and also filed another claim with XXXX XXXX explaining to them that my card was not stolen nor lost and i did not use my card at any of those locations that were shown on my billing statements the bank advised me too write a letter to there cooperate office with more detailed information and to send in the police report in which i did. The bank sent me another email stating they were not only going to deny my claim again but they were going to cancel my account with them for filing to many claims. I need help resolving this because i feel i was robbed ive been out of work since covid and my unemployment checks and stimulus checks were all on that card we are now in XXXX and nothing has been done and i feel they are trying to cover up and error they may have made instead accepting fault. Any other bank would have notified me if 20 withdrawals were happing in one day but this bank did not do anything i had to find out the hard way and i have no idea what else i can do. Please if you can look into this because something is not right even if there is a way to check pull records from XXXX XXXX  atm transactions to show that my card was not used at the locations in question. i will submit all my information below please follow up with me and help
Product: Checking or savings account

XX/XX/2020 Wells Fargo place a hold on my check of the amount of XXXX wells Fargo in XXXX Ga I can not release my funds XXXX XXXX
Product: Bank account or service

went to the bank and cashed a check that was later found to be counterfeit ... i had no idea it was when it was sent to me ... the bank cleared it and did n't even hold it to just make sure it was n't counterfeit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/charge-off account in the amount of {$13000.00} on the XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account does not belong to me. My now deceased husband took out this loan and signed this agreement on his own. I did not sign any documents with XXXX XXXX. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Checking or savings account

XX/XX/XXXX my deposit was in my account for XXXX Ive talked to several of chime representatives I was told to send emails and also verify my my self with my photos Ive been calling about my money and keep getting the same response as to send them emails and that they cant verify me I answered they security question on my phone with them every time I call name number email last 5 settled transactions and my social security number still no response and no answers to to why Im not able to log in my chime app and as to where my money I was told that there was 3 transactions that I have no clue where it came from told them to stop payment and close my account they refuse to i keep recieving emails from chime saying my number has been updated also my number and name they giving me some fraudaulant email to use just to log in my chime app with somebody elses name email and they number and wants me to take a selfie of myself and my id to got them to verify myself with this person email and phone number
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal ' obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed Information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. I sent over multiple documents proving I never lived at the address that is associated with negative remarks on my credit report.
Product: Consumer Loan

Westlake Financial Services continued to report charge off to credit bureaus post bankruptcy. Bankruptcy was filed on XXXX/XXXX/2016. Their action violates the bankruptcy automatic stay. Multiple credit disputes by credit bureaus has not resolved the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, Account name : XXXX # XXXX, Account name : XXXX  # XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name:XXXX XXXX # XXXX has violated my rights. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX I received a notice from my mortgage broker that there was collection on my credit report from EOS CCA. They allege that I owe XXXX {$220.00} for an outstanding balance that I owed when I resided in XXXX in XXXX. I contacted the collection agency several times to resolve this matter. After never receiving any validation of this debt, I paid the alleged balance owed in order to resolve this matter. I was advised that this item would be removed from credit report after receiving payment from me. As of today, the item is still showing as a collection item on my report. I called several times and left messages to XXXX XXXX, the manager on this account. He has not returned my calls to resolve this matter. Also, I contacted XXXX at XXXX XXXX relations ( XXXX ) XXXX, who wanted to speak to him to have this account removed from my credit report. They have not spoken to him or returned his calls to correct this matter. I have been a long time loyal customer to XXXX for over 12 years. I pay over {$5000.00} a year for cell phone service, notwithstanding the previous services i have paid for when XXXX was my cable provider. Overall, this collection agency has not been cooperative to clearing my credit report event the support from XXXX.
Product: Debt collection

Wells Fargo home Mortgage submitted a 1099-A without also filing or submitting a 1099-C to the owner of XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX regarding the payments she made. The 1099-A Wells Fargo Home Mortgage submitted indicated a loss of {$140000.00}, approximately {$20000.00} less than the deed to the property and likely as stated because the property structure was this amount, however, being the same {$140000.00} XXXX XXXX XXXX paid in mortgage payments. The for consideration amount was $ XXXX. Also, being the same amount inclusive of the land that XXXX XXXX XXXX paid for separately. This has been submitted to the IRS and was further addressed with Wells Fargo with indication that this matter is being worked on by the Internal Revenue Service. The property and structure known as XXXX XXXX XXXX XXXX, VA XXXX is satisfied. There are no other known contracts of record for any other subcontractor, etc. and all other expenses were paid upfront by XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

Missing Funds in the amount of US {$200000.00} I initiated an international wire transfer on XX/XX/year> from my account with JP Morgan Chase. 

Amount : US {$200000.00} ( USD ) Amount to be received by recipient : XXXX ( INR ) Fees : XXXX ( INR ) Total to Recipient : XXXX ( INR ) Sender Name : XXXX XXXX Status as of XX/XX/year> : Missing Funds. All of it. 

I have asked, several times, chase bank and every time I receive same information stating wire transfer was completed on XXXX and the funds were transferred to the receiving bank on XXXX. 

As of XX/XX/XXXX, I'm not sure where my money is and nobody is able to answer with proof of where the money is. I've asked to provide me with a proof of the transfer that was done to the receiving bank by chase but no luck so far ( question has been dodge/ignored every time I asked ). 

It seems to me that Chase is holding the money and not providing any proof. Neither are releasing the funds. It appears Chase is playing games with me and using my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights.

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
Product: Credit reporting or other personal consumer reports

My wallet was stolen about 2 years ago and someone opened credit cards in my name, got into my bank account and over drafted them on several occasions. Ive tried and tried to get these removed and resolved but my credit will jump right back up in the XXXX and go tight back down when they put it on there again, i have s car loan through XXXX thats it ive never been late on it my credit should be excellent but these people are morons find who stole my identity and put it on their report id like to buy a house when my car is paid off
Product: Checking or savings account

Hello, I have a balance of > {$50000.00} in a Credit Karma " Save '' account, and I have noticed that the monthly interest payments I receive do not seem to match the advertised APY ( currently 5.1 % ). For instance, for the month of XX/XX/2024 I had a starting balance of {$50000.00}, and my earned interest for this month is {$200.00}. My own calculations, as well as the savings calculator on XXXX XXXX, indicate that my earned interest for XXXX, with monthly compounding and a return rate of 5.1 % should be {$210.00}. I would like to understand the reason for this apparent discrepancy. With all of my other ( non-Credit Karma ) savings accounts my monthly earned interest matches my own calculations/projections. 

Thank you. 

*Please note I have attached the XXXX statement for my account as my XXXX statement is not yet available. However, the same issue applies to the XXXX statement. ( When I calculate what 31 days of interest should be at a rate of 5.1 %, I come up with {$190.00}, but Credit Karma paid me {$190.00}. )
Product: Credit reporting or other personal consumer reports

this is a never ending issue that has been ongoing for months with this financial institution. Opened up two different personal credit lines with.Upgrade. I have one credit line that has a limit of {$11000.00}. I also have another personal credit loan with a limit of {$20000.00} Ever since the first quarter. of 2023, The company has not been reporting the correct balances to the credit bureaus. I have attached copies of a current credit report showing incorrect balances. These balances have been showing that I have been over my credit limit amount and over the utilization amount of both of these accounts and this incorrect reporting has been reporting like this since the first quarter of 2023. With these accounts showing the utilization over the crate line amount, it has drastically caused a big substantial decrease in my credit scoring. I have never been late or over the credit limit or the personal credit line amount on either two of the accounts. I have attempted to send a request to the XXXX XXXX XXXX  advising of this on this company and I was contacted by someone by the name of XXXX that is in a resolution with Upgrade. I have been in touch with her multiple times as she states that she is working on the situation. I have also attempted to contact the credit bureaus and let them know of the incorrect information. However, the incorrect information is still reporting on my file.. XXXX has advised me that she has attempted to escalate this to someone else, but this process is taking way too long and it is going months and months without being corrected. The lender of Upgrade is XXXX XXXX XXXX. From doing research I have found that they have been in a civil lawsuit this year regarding incorrect fair lending, but it is definitely having an impact on my credit scoring and this also then turns around and has an impact with my other creditors, showing this high utilization and over the utilization, credit line amount to drastically, decrease my scoring models, which intern impacts my lending with other creditors. These incorrect reporting on these accounts has caused current creditors to change my interest rate as well as not providing me additional credit favorable interest rates due to this error not getting corrected and updated on my credit report. XXXX, in the office that is answering these complaints and that this report will also possibly go to as well has been telling me that she is getting the issue resolved and looked at, but it has been going on now for months with no resolution I only want what is fair and they are not reporting these accounts correctly and it is having a very serious impact on me. One account is showing that I am almost {$2000.00} over the limit another account almost shows the same thing that I am over the limit and it is causing drastic effects on my credit scoring.