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

Contacted Transworld Systems to inform them about a collection showing on my credit reports, I informed them that I did not know where this account came from and I never had a account with XXXX  XXXX XXXX and I was residing in California at the time this account was opened. They asked that I verify my address by sending them a utility bill from that time the account was reported in which I did, This account recently re reported to my credit profiles in XX/XX/XXXX for {$370.00} which is inaccurate information because this account does not belong to me. Initially the account was reported back in XXXX in which they deleted it and attached is a letter I received from them now they are reporting that I owe the same amount but under a different account number, I believe this company is trying to defraud me and the appropriate action needs to be take and they need to be held accountable for reporting false information damaging my perfect credit. Please remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to obtain my free credit report online at XXXX on XXXX. However, apparently I did not answer the identification questions correctly and was informed I had to submit a written request to XXXX XXXX XXXX  XXXX XXXX at XXXX XXXX XXXX XXXX GA XXXX. This concerned me b/c all of the questions online asked about credit cards or loans ; which I answered not applicable as I just turned XXXX years old on XXXX XXXX, XXXX and have never applied for credit- so I don't understand how I didn't answer the questions correctly. On XXXX I mailed The XXXX XXXX XXXX   Request Form with a cover letter, and selected Equifax as the agency I wanted my credit report from. WITH THE FORM AND COVERLETTER, I submitted a copy of : My WI driver 's license showing my current address, a copy of my passport, a copy of my social security card, and a copy of my CDL permit license to prove my identify and address. In response, Equifax sent me 3 letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting verification of my identify such as a driver 's license and social security card, EVEN THOUGH I SENT COPIES OF THESE ON XXXX WITH MY ORIGINAL REQUEST. I attempted to contact Equifax via telephone on XXXX, at XXXX however, the employee barely understood English and I could not understand her at all due to her inability to speak English. As such, on XX/XX/XXXX I AGAIN submitted ta copy of the original cover dated XXXX with an additional written statement that I had already submitted the identification documents with my original request and insisted to know why they keep asking for documentation that I have already sent. I also sent ANOTHER copy of my drivers license and social security card with the second letter. I am extremely frustrated at this point ; as they refuse to send me a copy of my credit report. I need my credit report to apply for a car lease and I want to verify that no one has stolen my identify and requested credit illegally on my behalf before I apply for the lease. Again, I have never applied for credit. If I have no credit report, then they should just notify me. If needed, I can fax or scan a copy of all correspondence sent to Equifax and received by Equifax at this point.
Product: Checking or savings account

I opened my business Checking account with CapitalOne Bank on XX/XX/2024. I used it frequently making many large deposits. On XXXX. XXXX, XXXX, I deposited an escrow check from my lawyer and the next day, I went through 2 phone transfers until the final person called my lawyer to verify the check & release the hold. I made online payments. Later when I tried to transfer funds, it wouldn't allow it so I called CapitalOne again. This time I had to go through 3 phone transfers until I finally was informed that there were documents missing and my account would be suspended until a case worker could reach out to me in 1-3 days. I asked for an immediate resolution since I has payments that were coming in. She said she had no way of doing anything so I asked to speak to a manager. Her name is XXXX # XXXX, & she said it was 1-3 days even though it was the bank 's mistake that they didn't get the necessary documents before I opened the account & I shouldn't be penalized for their mistake including fees & negative reports to my credit score because of late or returned payments due to the bank 's incompetence. It fell on deaf ears. 

I called again today and at least this time, this manager said he would request that it be expedited which means XXXX lied.
Product: Debt collection

I signed a contract with XXXX  for fiber internet, they added a portability clause which stated if we moved after paying for service for a year and gave 3 months notice, theyd install fiber in our new location. Internet was paid for over a year, sufficient notice was given and XXXX refused to install fiber to provide services as outlined in the contract, stating it was too expensive to install fiber. XXXX  still has been trying to collect this debt and is now harassing my dental office, leaving several messages on media intended for patient communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my ID stolen in XXXX OHIO and I have several accounts and address on my credit report that are not mine. I was in the hospital with XXXX XXXX I was unconscious for two weeks in a coma and was unable to attend to my personal affairs. Someone had access my ID and SS and used my personal credit to open up accounts. Please remove the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX PXXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XX/XX/2018 XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX THE FOLLOWING NUMBERS ARE NOT MINE : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT PLEASE DELETE : XXXX XXXX XXXX XXXX # XXXX, XXXX # XXXX, CREDIT XXXX XXXX XXXX XXXX
Product: Bank account or service

On XXXX XXXX, 2015, My personal checking account at bank of America was closed without any warning and good reason. this cause my financial difficulty and unknown damaged in the future. 
After calling BOA several times and provide the information that they need, they still freeze my money and said take 7 days to resume my account. At this time I have no confidence to the bank of america and hope this is not some employee try to cheat.
Product: Credit reporting or other personal consumer reports

I'am a victim of Identity Fraud. I contacted the Credit Bureau ( XXXX, Equifax, XXXX XXXX and XXXX. To explain to them that I am a victim of Fraud and the numerous addresses, Phone numbers, social security numbers, alias and accounts reporting on my report were fraud and or don't belong to me. I provided police reports and requested them to provide proof that these accounts and information was indeed belonging to me. They never provided this information or deleted this inaccurate information.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, 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 XXXX 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 XXXXXX/XX/XXXX 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 XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$520000.00}, {$3900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- XXXX XXXX XXXX 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$520000.00} -This is not my account. 

-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$3900.00} -This is not my account.
Product: Consumer Loan

They continue to call my job phone at least 12 times a day. They call the front desk of my job asking to be transferred to me. I have asked them not call my job.
Product: Debt collection

recently checked my credit report it is showing WAKEFIELD AND ASSOCIATES has an open account with a balance of XXXX not only is medical not supposed to be reports. im confused as to who and why its on my account ive never been or received treatment through any facility there associated with. under fair credit reporting act using 15 u.s.c 1681
Product: Money transfer, virtual currency, or money service

good morning, i am file this complaint because the PayPal company it looks like scammer company. 
they close my account after i received {$1300.00} in my account. 
They told me after 180 days i can withdrawn my money and i will received a notification by email. 

200 days passed and PayPal sent me the email for withdrawn my money to my email but they still blocked me and they dont want help me to withdraw my fund. 

i called many time and they said PayPal don't have any time when the money is going to be available. 
i said i was waiting for 200 days and you sent the email. 
that mean PayPal do not respect their own Polices. 

my email is XXXX. 

cfpb can see my proof, i m really sure that im not the only Person with this problem. 

Many scammer company like that are now close, i hope my complaint can be help to alert about PayPal is not making legal things. 

other important thing is i don't have any dispute or chargeback. 
i m never been associate with any Fraud activity. 

I M frustrate with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error with auto pay that caused the payment to be late. After having this card for over 3+ years and never having a late payment the reps were not willing to go the extra mile to get this issue resolved. For some reason, the same account that I have always used came back as invalid acct number and they do not consider this a bank error so therefore, my account history and loyalty meant absolutely nothing and based on protocol no one was willing to see what could be done instead the result was always what they could not do. 

XXXX XXXX XXXX, Ca XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

A XXXX XXXX, on a 3 year lease, was turned into XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX Utah on XX/XX/XXXX with no issues noted by the dealer. The car was leased to my son and I was a co-signer. A letter was sent to my son and my attention from Ally Financial on XX/XX/XXXX claiming that we owe {$1200.00} for excess wear and damages for the lease. To my surprise, the inspection of the car was conducted on XX/XX/XXXX - 4 months after the car was returned to the dealer. I have no idea where the car was for the intervening four months, who could have damaged it, if parts were swapped on the car, etc. Ally Financial should not be able to claim excess wear on damages when they were grossly delinquent in inspecting the car 4 months after it was turned in and the dealer who accepted the car had no issues. 

Also, around XXXX XXXX on Friday, XX/XX/XXXX, a representative from Ally Financial called my mobile number and began threatening me that if I didn't commit to pay the claim Ally would turn my file over to the Collections Department and subsequently damage the credit rating of my son and me. Not only is their claim wrong but I had the invoice from Ally for less than 21 days and they were already threatening to turn the file over to collections. 

I have read numerous complaints about Ally on the CFPB website and many more at the XXXX XXXX XXXX and am very concerned Ally will damage my credit rating without being rational about their inspection and collection process which are clearly an issue. 

I requested to speak to a supervisor, XXXX, but she could not come to the phone and was supposed to call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since Barclays has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never received a debit validation letter to prove its by debit or letter with my signature stating that I agreed to the contact needs to be removed off my transunion and experian accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : # 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 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 conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : 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, credit repair services, or other personal consumer reports

I believe this XXXX credit card paper statement I just received in the mail is fraudulent. I never applied, opened or maintain a XXXX credit card, especially XXXX with a {$500.00} credit limit and 29.9 % apr. I never received a physical card just this first statement in the mail which states I opened the card on XX/XX/23. I can also see a hard inquiry on my transunion credit report on XX/XX/23. I have called the XXXX card number customer service line XXXX and XXXX XXXX XXXX which is the bank associated with the card XXXX and they both want me to confirm my social security number, address, phone number, birth date, address and account number over the phone which I am not comfortable doing just to verify my account before having them look into fraud and stolen identity. They refuse to help further despite informing them I did not open an account with XXXX and wish to have it closed as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the credit file from Experian. Noticed credit report has two late payments from XXXX XXXX Auto Account : XXXX Account status Closed Date opened XX/XX/2018 Account type Auto Loan Balance Loan Amount {$0.00} Two late payments display incorrectly. I'm exercising my rights from FCRA to review inaccuracies from credit reporting
Product: Credit card or prepaid card

On XX/XX/XXXX, Wells Fargo Bank closed my personal credit card account without any notice. On XX/XX/XXXX, when I was looking at my online banking account, I noticed that my rewards were at XXXX ( I had a little over XXXX reward points ), and a brief memo was just below my credit card # stating that the account was closed and if I had any questions to call the number noted. I was in shock and furious! I called the # and spoke to XXXX from the executive offices. He said my account was at risk and therefore needed to be closed. He could not give me any further reason and he also said that they can close an account without any reason, but that I should be getting a letter in the mail.

Today, XXXX I received the letter. The letter states, " Wells Fargo regularly reviews its customer relationships in connection with its responsibilities to oversee and manage risk in its banking operations. After carefully reviewing the risk related to your account, we must advise you that your account is being closed immediately and no additional transactions will be permitted. This decision is final and can not be changed. Wells Fargo 's risk evaluation processes are proprietary and can not be shared ''.

I have had this card for about XXXX years, my FICO score with WF is XXXX, my credit card balance was {$430.00}, I have never been late on ANY payments and I always pay off my balance. I have over $ XXXX in their bank in a savings account. I have text and email alerts on all of my bank accounts with Wells Fargo.

On XX/XX/XXXX, I made an appointment with a Wells Fargo Banker at XXXX. She was on the phone for appropximately 45 minutes getting transferred to several people then finally ended up talking to the executive offices and they too told her that they couldnt give her any information on why my credit card account was closed. When I asked her to ask them that I wanted to see it in writing, that they can close a consumers credit card account at anytime for no reason they told her that it was in the brochure when I received my credit card. Really??????? Who keeps their little brochure with the fine print for XXXX years? That's absurd! I had a credit line of {$14000.00}. I'm also upset about losing all of my reward points! They can go ahead and close my credit card, but I want ALL of my points!

If they don't give me my reward points, then I will take all of my money out and put it into another bank. I have been a customer of theirs since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried calling each company but its either hard to reach them or they dont answer.
Product: Debt collection

I set up automatic payments at the dealership then received collection notice from BOA. I said lets set up auto payments AGAIN - I provided them with all info needed. Then I received multiple calls. I advised them to not call me. I received additional calls from an auto dialer when I specifically said not to contact me via auto dialer or in general to my phone number.