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

I have been filing complaints on my bank for over 2-1/2 years for a substantial amount of fraud. I have been ignored and disregarded. Here is a comparison report of THE ENTIRE period my business account was open at FIFTH THIRD BANK NA. Every single statement had been redacted and changed by FIFTH THIRD. If you look closely, one of the main things changed on every statement, was, THE DEBIT CARD NUMVER. Which is exactly what Ive been complaining about. Cards activated tgat Ive never had. Never seen. Fifth third bank has stolen tens of thousands. I have found a fraudulent XXXX XXXX XXXX account that has been connected in real time to all of my account for years. It now sits with {$1200.00} in an account Fifth third states has been closed for over a year. XXXX, states a payment was made with that account as well after the closing date. There is {$48000.00} in XXXX XXXX in another account that shows- {$160.00} ( at a different bank ( XXXX  ). There is an enormous amount of check fraud between these two banks and accounts ( both of my business accounts ). Yet neither bank will allow me to file fraudulent claims. Just as XXXX as two months ago, my digital check image from a check I wrote, the payee has been erased from the image. This was not a mobile deposit..it was taken to the bank by the company. It seems Ill be left no option but to file lawsuit against both banks..note : altering financial records is a federal crime, that Carriys  steep punitive damages. I have records of statements being sent to me that are malicious files. I have records of my banks double paying from bill pay ACH which I never signed up for. These bills includes companies such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and more. I have records of these companies receipts stating paid with card ending in XXXX, yet my statements reflect ACH bill pay. Ive paid these bills, not my bank!!! In Addition, there is a {$3500.00} XXXX that neither bank can provide a signed ACH Authorization form for. All the companies Ive mentioned can not provide one either.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX  XXXX are reporting me late when Im not late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX a XXXX credit account was opened in my name. That was closed but a new address has shown up on my report. XXXX XXXX XXXX , XXXX XXXX, NV XXXX. I have never lived or even been to Nevada. Each time Equifax says they removed the address but it is still on my report. 

In addition I have request that the hard credit inquiry be remove by both XXXX and XXXX XXXX. And that also remains on the report.This is the case despite them telling me that they requested it be removed. I have made request for the remove of the information 7 times since XXXX. I have called both Equifax and XXXX on this matter multiple times. At one point I have had to request the information be removed from XXXX  and XXXX  who removed the information with no issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

request to have inaccurate reports removed off account
Product: Checking or savings account

On XXXX of XXXX I had requested that Wells Fargo provide me online access to my account as well as set up the option that when transactions are made I get a text the banker told me she would do it and never did Sometime in XXXX Wells Fargo changed my address on file without my permission as well as updated my phone number and my mailing address. 

On XX/XX/XXXX I found out that there was about XXXX missing from my bank account when I called Wells Fargo I opened a claim for some of the transactions I still wasnt able to get online to see my transactions and I havent got a statement from the bank at this time I requested that I get a print out of all my transactions so I can see what was going on Wells Fargo denied my claim saying that I made the transitions when I didnt authorize the transactions On XX/XX/XXXX I got my print out of all my statement and I find them more transitions opening another claim however they are saying that I made the transactions using my XXXX XXXX i spent 4 hours on the phone with XXXX trying to figure out what was going on and how these transactions were made XXXX  XXXX me that my XXXX  XXXX didnt make the transactions and they were not able to see a record of them I called Wells Fargo back and told then that happened and they told me the claim was denied I am completely frustrated with Wells Fargo because they have denied me access to my account they have allowed somome to take my money and they have also done everything that they could to let somome take my money without me knowing and I am hoping that Wells Fargo is able to give me back my money if not I am and will be moving forward with hiring a lawyer and will have to get my money back that way because Im not just going to let Wells Fargo take about XXXX from me and say theres nothing more they can do about it
Product: Student loan

I have now attempted twice requesting XXXX  to send me the XXXX file containing the XXXX XXXX XXXX allocations/payment history given their website will not show the information to me. On their website if I open the file it does not contain information, when I requested that they send me the file either to my email or through their own portal they have now refused twice. The first time they stated I needed to call in, but it is an electronic file I am looking for - calling does absolutely nothing. In their 2nd response it now appears XXXX is extorting me stating they are refusing to provide the requested data since my loans are in default.
Product: Debt collection

I received a call from not the local county clerks office telling me I needed to come down and sign papers that I was being charged with fraud with the outcome of having my license suspended. The number was spoofed because I called the number later and they said they had no record or would they call. They provided a case number and the number to call. Stating it was XXXX offices. I called the number which the lady answered " law offices '' and transferred me to their " legal department '' where the gentleman said I was being charged and the only way to prevent further action was to pay. After stating I am unable to pay anything but XXXX he then put me on hold and said " legal counsel '' offered three payment options, and that if I couldn't do anything of those I was basically out of luck. I was told they would seek legal judgment against, notify my employer I was being charged with fraud and they would also seek garnishment. I was pressured into making a hefty upfront payment out of fear, but now after further investigating I was duped into calling and making a payment that I do owe but the company misrepresented themselves and utilized a local number of my county clerks office to scare me into calling their fake law office. Now all the receipts reference NRMC and not a law office.
Product: Debt collection

Im a victim of identity tiff someone got my card information and used it to shop I contacted the company this was already removed from my credit report and now its back, I had a XXXX account and was paying my bill on time every month until this happened and the company wants me to pay that bill when Im not responsible for it.
Product: Checking or savings account

XX/XX/XXXX Made {$3500.00} deposit ( XXXX {$100.00} bills ) at BOA branch XXXX XXXX XXXX XXXX ATM # XXXX ATM indicated a {$2000.00} deposit so immediately canceled deposit. Received only {$2000.00} back ( {$1500.00} short ) with no receipt provided of the canceled transaction. 
Call BOA within 30 min to initiate claim- do not have name of rep spoken with XX/XX/XXXX Checked account to find that nothing was noted. Called BOA again to check on claim and found first claim was not on record. Filed another claim for missing {$1500.00} Received deposit of {$1500.00} from BOA while claim was being investigated XX/XX/XXXX Received first notice indicating denial of claim without any supporting information of what was investigated or found also indicated that founds would be withdrawn on XX/XX/XXXX XX/XX/XXXX Funds were withdrawn from account XX/XX/XXXX Called BOA ( follow up delayed as was traveling for work ) spoke with XXXX requesting supporting information as to why the claim had been denied. Any Video or balancing reconciliations. 
indicated that claim had been reopened and to allow 10 days to obtain results, along with any video or reconciliation records. 
XX/XX/XXXX Called BOA to follow up on XX/XX/XXXX phone call spoke with XXXX who reviewed the account notes and found that the initial claim had not been submitted correctly ( previously indicated a {$1500.00} deposit instead of the {$3500.00} deposit shorted by {$1500.00} ) XXXX resubmitted the request and indicated that should receive documentation within 3 days XX/XX/XXXX Called BOA to follow up on XXXX call, spoke with XXXX who reviewed the account notes and was very surprised at the lack of follow up and providing any documentation of decision process. She also indicated that she saw notes of the first phone call ( XX/XX/XXXX ) and was surprised that the claim had not been submitted immediately. She also said that it had been noted that the ATM had issued an error message but did not have information has to what that error message was. 
She agreed that things had not been handled appropriately and placed an expedited review on the account. To allow 10 business days to follow up but should received in US mail copies of all documents used to support decision. 
Important to review recording from that call XX/XX/XXXX received electronic letter indicating denied claim with no supporting information XX/XX/XXXX Received letter indicating claim denied without any supporting information XX/XX/XXXX Followed upon on XX/XX/XXXX phone call, spoke with XXXX who indicated that the claim had been closed and there was nothing further to do Suggested faxing a chronological list of everything that had happened to BOA We asked that we speak to the department manager as to what steps to take from here. 
XX/XX/XXXX Department Manager said there were no further steps to be taken with BOA and to proceed with filing a complaint to the Consumer Financial Protection Bureau.
Product: Debt collection

I paid the debt off through the settlement of the company that currently has the debt.. XXXX XXXX XXXX. XXXX XXXX XXXX in fact sent me a letter stating the debt was paid in full on XXXX XXXX however, XXXX, XXXX and XXXX continue to share the erroneous debt and amount on my credit report. I have repeatedly disputed the debt and called numerous times and it still appears as a outstanding debt affecting my credit and score. I have spoken to Barclays Bank XXXX Delaware, XXXX XXXX and XXXX please assist.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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 ( 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 redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been  successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX a first-hand competent witness to these actions. On XX/XX/2022 i brought it to the attention of Experian that the account held by XXXX XXXX XXXX XXXX XXXX was in dispute and that it should be removed from my credit report. Experian continues to cause substantial injury to my person by keeping false and inaccurate information reporting to my credit report causing further harm to my reputation as a protected party under the Fair Credit Reporting Act. Experian 's behavior continues to be abusive, and it has already begun taking its toll on me mentally. 

Experian has reported back to me alleging that the account has been verified and that it has further been updated and that it couldn't be removed. Experian has only one duty and that's to report fairly and accurately and they have failed at doing that. furthermore, Pursuant to 15 USC 1681i, i am demanding a full reinvestigation over the completeness or accuracy of the information contained in my consumer file. Experian has a Duty to me and i expect them to perform the way they are required to perform on behalf of the consumer and the banking system. 

should Experian 's behavior reflect anything other than their duties under the FCRA, this is my formal notice that i intend to file suit against Experian and all its corporate affiliates and be granted what i am entitled to as a protected consumer under the Fair Credit Reporting Act as well as criminally under title 18 for making false statements and interfering in commerce. I may seek to be rewarded the amounts of the account that has been fraudulently reporting from the day it was first furnished along with any damages that have resulted from the harm that has been caused over the years from your illegal reporting. 

This is an official notice. 

You have 5 days to respond.
Product: Credit reporting

I currently use XXXX to monitor my credit. Recently noticed drastic decreases in my score based on claims of " maxed credit cards. '' I have XXXX credit cards with a total of {$27000.00} in available credit. Total for all for cards is {$14000.00} = 53 %. The card amounts are as follows : XXXX : {$8700.00} with {$14000.00} credit ( 60 % ) XXXX {$2600.00} with {$4500.00} credit ( 59 % ) XXXX XXXX {$2400.00} with {$6500.00} credit ( 38 % ) XXXX {$410.00} with {$2300.00} credit ( 18 % ) This represents a clear falsification of my information by XXXX of the credit bureaus, Equifax and XXXX who dropped my credit in XXXX month from XXXX to XXXX and XXXX respectively. This impacts my ability to purchase a home as well as impacts my ability to achieve a lower interest rate. The impact may be several thousands of dollars which I feel they are liable for due to the false information submitted by the XXXX reporting agencies. 

I have complained in the past regarding their sudden changes to down grade accounts and substantially slower times in increasing rates even after sustained consistent good credit management. Please take the necessary action to require them to increase the scores. This may be a potential for class action suit as I am sure I am not the only person experiencing these false reports to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  ( original creditor opened XX/XX/XXXX ) After carefully reviewing my credit report, I recognized there are several discrepancies. This collection account is reporting not only as OPEN but it also shows a PAST DUE amount balance of XXXX as of XX/XX/XXXX. 

Nothing happened.
Product: Credit card

I should receive a credit for the charges of {$690.00}. 

On XX/XX/XXXX I ordered ( 3 ) formal dresses to be sent to my home. After 2 weeks my dresses were delivered- on XX/XX/XXXX. 
No dresses were found in my home vicinity or mailbox. When I checked the tracking information, it was delivered by XXXX (? ), no signature, picture, or address confirmation. I have lived at this home for 17 years and never had a delivery issue. 

On XX/XX/XXXX I contacted Customer Service to report my merchandise was not delivered and later received an email that I would not receive a credit or reshipment of the items. I replied to the email XXXX hoping they would reconsider and received no reply. 

On XX/XX/XXXX I again called Customer Service and was told I would receive a credit for my non-delivered purchases. 
On Thursday, XX/XX/XXXX I called regarding the credit not appearing on my account, I was told that information was incorrect and I would not be receiving a credit or a reshipment. I asked to speak with a Supervisor, I was told I would have to wait 10-15 minutes, I asked if the Supervisor could call me and was told the Supervisor would call me on Friday XXXX. Unfortunately, I did not receive a call. 
On Sunday, XX/XX/XXXX I visited the XXXX Macys store and chatted with the On-line Customer Service Representative she told me she could not help but I should call a number she provided and speak with a Supervisor. 

On Monday, XX/XX/XXXX I called the number provided and spoke with a Customer Service Supervisor, she was not able to help me. I finally asked to be transferred to the Credit Card department and initiated a charge dispute. 

Im hoping I can receive a credit for these dresses, this whole experience has been very upsetting and frustrating. I have been a long time Macys shopper and have always received excellent customer service for on-line and in person shopping ( including XXXX at XXXX ) .
Product: Debt collection

Citibank continuously harasses me ( XXXX calls per day ) whenever my minimum payment is 2 weeks late until it is paid. This is completely unreasonable. I will be filing a written request with them to stop the calls as I use my phone for work and it is interfering with my ability to pay them. There is absolutely no constructive reason for these calls.
Product: Credit reporting or other personal consumer reports

I acknowledge receipt of your computer-generated letter, wherein you state that you've halted the investigation of my credit reports due to your suspicion that I've engaged a third-party credit repair agency. However, I perceive this action as a mere delay tactic on your part, aimed at granting yourselves an additional 30 days to comply with my original request. Furthermore, I consider it a clear violation of the FCRA. 

I must express my profound dissatisfaction with your company 's persistent neglect in addressing the inaccuracies within my personal credit profile. Despite my repeated correspondence urging a thorough investigation and the removal of such misleading information, it appears that my concerns have been ignored. It's imperative for you to comprehend that, by law, you are obligated to promptly act upon receiving such requests. 

Your credit reporting agency has consistently furnished inaccurate and incomplete account information on my credit file. I am deeply troubled by the presence of these misrepresented accounts on my credit profile. Your agency 's failure to uphold reasonable procedures in ensuring the maximum possible accuracy of the credit information reported may render you liable under 15 U.S.C. 1692g validation of debt. Additionally, as demonstrated in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your agency may be liable for false reporting.

Credit reporting laws mandate that bureaus report only 100 % accurate credit information. While these third-party collectors attempted to collect a debt that is not mine, they have violated 15 U.S. Code 1692k - Civil liability. I am meticulously documenting my communications with your agency and the false reporting collectors, with the intention of filing a complaint with the FTC if this non-compliance persists. Similar to XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), the below-mentioned false creditors will be held liable for your willful non-compliance. Furthermore, as highlighted in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting. 

By law, these inaccuracies should be expunged, especially considering I possess evidence of their removal from other credit bureaus. 

17 days I have sent documents certified mail to to company and yet the items has not be removed. 

This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements ofmy constitutional rights via federal court proceedings.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXXXXXX XXXX  XXXX are the same set of people acting as seller and lender, the operate in the same office and compound, they sold a land for {$47000.00} and the property was appraised for {$500.00}. They threaten me with my credit score and foreclosure when I reached out to them amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to say they dont see these inquiries on my credit & keep saying inquiries are factual, how is it factual information when Ive sent over an ID Theft affidavit in addition to a police report stating that I didnt do this?? Equifax continues to ignore this & theyre about to find themselves on the other end of a lawsuit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX, 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 an 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.