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

XXXX Lawsuit against Mechanics Bank. Essentially, Mechanics Bank never returned $ XXXX back into my XXXX XXXX ' Bank Account # : XXXX Mechanics Bank 's Chronological Transactions ( These transactions can be found under the attached pdf, " Mechanics Bank Chronological Transactions XX/XX/year> '' ) A. XX/XX/year> - XXXX XXXX XXXX XXXX  account ledger Current Balance : {$380.00}, XXXX XXXX XX/XX/year> - Wire DEPOSIT of {$400000.00} from XXXX Bank XX/XX/year> - Balance is now : {$790.00}, XXXX XXXX XX/XX/year> - Wire WITHDRAWAL of {$100000.00} to Oh, Wow Car Deals XX/XX/year> - Balance is now : {$690.00}, XXXX XXXX XX/XX/year> - Incoming Wire Fee of {$10.00} XX/XX/year> - Balance is now : {$690.00}, XXXX XXXX XX/XX/year> - Incoming Wire Fee of {$40.00} XX/XX/year> - Balance is now : {$690.00}, XXXX XXXX XX/XX/year> - Wire DEPOSIT of {$150000.00} from XXXX XXXX XXXX I have the email from XXXX XXXX stating the fact that XXXX does NOT allow transactions between business accounts and XXXX XXXX personal accounts. 
XX/XX/year>- Balance is now : {$840.00}, XXXX XXXX XX/XX/year> - Wire WITHDRAWAL of {$50000.00} to XXXX XXXX. 
XX/XX/year>- Balance is now : {$790000.00} XXXX XX/XX/year> - Wire WITHDRAWAL of {$150000.00} to XXXX XXXX. 
XX/XX/year> - Balance is now : {$640000.00} I. I have attached all Mechanics Bank Bank Statements for the entire duration of the XXXX XXXX ' account to Illustrate that NO further {$150000.00} wire nor check was ever returned into the account. 

XXXX. We lost access to a collaboration deal with XXXX XXXX XXXX, XXXX & XXXX of XXXX XXXX due to the failure of returned funds. We were supposed to invest approximately a XXXX into his bitcoin company so we could mine and create our very own bitcoin in XXXX, XXXX. 

XXXX We are also suing for damages and loss of funds from any potential investments. 
Notes : The Mechanics Bank banker 's name who handled my $ XXXX wire is XXXX XXXX XXXX XXXX, Business Services Officer NMLS ID # : XXXX
Product: Credit card or prepaid card

Was billed before I ever got the card or a bill in the mail. Paid balance in full same day. Was charged ~ {$30.00} late fee. Took two attempts and two weeks to get someone to actually reverse the charges like they said they would. Did not remove it from the billing cycle so it flagged my account as late the following month. I did not use the card that month so it was a zero balance. They " paused '' the card because we were a day late paying zero on our zero balance. That left us at the grocery counter not being able to use our back up card. There solution was to cut me off on the phone and tell me to be quiet while they read the transcripts of all our correspondence,, and them to smugly ask what they problem was and if I wanted to set up a payment for the following g month to unfreeze the card ... really??? Bottom line is they predators and should be avoided at all costs. They charge {$30.00} if you do not pay on the date specified and freeze your card, no grace period, they do not communicate, and the XXXX  supervisor is an arrogant, nasty person with no business talking to customers. We canceled our account and cut up the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORMATION ON MY CREDIT REPORTS THAT ARE INACCURATE SUCH AS MY NAME AND ADDRESSES AND MEDICAL BILLS WHICH ARE ILLEGAL TO BE ON MY REPORT I ASK FOR THESE TO BE REMOVED IT PREVENTS ME FROM GETTING PROPER HOUSING JOBS ETC. 
MEDICAL BILLS LISTED ON REPORT XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX ACCOUNTS UNDER XXXX # XXXX , {$28.00}, {$76.00}, {$240.00}, {$51.00}, {$38.00}, {$37.00} XXXX   XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Addresses listed inaccurate XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OHXXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX CT, XXXX, OH XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, ( XXXX ) XXXX ( XXXX ) XXXX Unknown INQUIRIES TRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, VAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXX, ILXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXXXXXviaTRANSUNIONXXXX, CAXXXX ( XXXX ) XXXXRequestedOn:XX/XX/XXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, OKXXXX ( XXXX ) XXXXXXXXRequestedOn:XX/XX/XXXX,XX/XX/XXXXXXXXviaXXXXTRANSUNIONXXXX, CAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, WIXXXX  ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, NDXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, OKXXXX ( XXXX ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXXviaXXXX, GAXXXX ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, CAXXXX   ( XXXX  ) XXXX-XXXXRequestedOn:XX/XX/XXXXXXXX, FLXXXX ( XXXX  ) XXXX-XXXXXXXXviaXXXX, UTXXXX  ( XXXX ) XXXX-XXXX
Product: Payday loan, title loan, or personal loan

Chase Auto Finance ( JP Morgan Chase Bank NA ) : I made a {$700.00} payment last week. Chase Auto Finance claims that have sent me statements through the USPS. I believe because of the disarray of the USPS, I have not received these statements from them. Not considering that their statements were not being received by me, they just repossessed my vehicle. Then they have added excessive fees on to the balance of the loan. They are expecting the entire balance to be paid in one payment for me to get my car back. This is unreasonable. Chase Auto Finace has been extremely difficult to do business with. I am reaching out to the CFPB for help, because I feel I am being XXXX  handled. I would like help with a solution that will work for me and that I can get my car back.
Product: Credit reporting or other personal consumer reports

There were 2 unauthorized Inquiries made on my XXXX XXXX credit report, the unwanted inquires were made by SYNCB and XXXX XXXX i noticed this through XXXX XXXX, i already contacted XXXX to start a dispute.
Product: Debt collection

Email : XXXX XX/XX/2023 Americollect Subject : Request for More Information and Removal of Debt Information Dear Sir/Madam, I am writing to address the matter of a debt that has been attributed to my name and request further information regarding its origin and validity. Additionally, I kindly request the removal of this debt from my records if it is found to be inaccurate or unsubstantiated. 

To provide you with context, I recently viewed my report, and saw your agency regarding a debt allegedly owed by me on XXXX XXXX for {$600.00} However, I have no recollection or knowledge of any outstanding debt with the account mentioned. Therefore, I am requesting detailed information related to this debt, including the original creditor 's name, the date of the debt, and any supporting documentation available. 

I am exercising my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) to obtain accurate and specific information regarding the alleged debt. It is crucial for me to fully understand the nature and legitimacy of the debt to ensure that I can take appropriate action if necessary. 

Furthermore, I would like to emphasize that if, upon reviewing the provided information, it is found that the debt is inaccurate or lacks sufficient evidence, I request that you remove this debt from my records and cease any collection activities associated with it. Please note that the FDCPA obligates debt collectors to ensure the accuracy of the information they report and to provide verification upon request. 

I kindly ask you to provide me with the requested information within 30 days of receiving this letter. Additionally, I request that all collection activities regarding the mentioned debt, including phone calls, letters, or any other form of communication, are put on hold until I have received and reviewed the necessary documentation. 

Please provide all correspondence in writing to the email at XXXX. I appreciate your prompt attention to this matter and expect your cooperation in resolving this issue promptly. 

Thank you for your understanding and cooperation. I look forward to receiving the requested information and an update on the status of this debt. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A tax lien was filed XXXX and released XXXX ( XXXX ). Equifax is still showing it and I have been denied loans twice this year because of it ( XXXX & XXXX/XXXX/XXXX ). On XXXX XXXX, XXXX I received a letter with the results of my dispute to them ( XXXX ) showing the release, but on XXXX XXXX I was denied because it was still showing on the credit report. They do not update information. I have also worked at another company since XXXX and the last work they show for me ended in XXXX.
Product: Debt collection

I received a voicemail on Thursday from XXXX in fraud services. I called back with the extension she left on Thursday, Friday and Monday and left a message. No return. Today I called and left a message at a different extension for XXXX XXXX and no return call. The account is fraudulent and no surprise I have such a hard time getting info from them when they can not return the call. They have not provided me any validation with my signature after multiple requests through certified mail
Product: Debt or credit management

I entered into an agreement with XXXX XXXX XXXX in XX/XX/XXXX. They went bankrupt in XX/XX/XXXX and my account was transferred ( without my authorization ) to Consumer Legal Group ( CLG ). I have paid over {$32000.00} and nothing has been done to improve my credit. When you call all you get is scripted messages. I have asked to talk to an attorney and have never been connected. This entire thing is scam. Its theft. I want my money back and will do anything I have to do to make that happen. I have already filed complaints with the XXXX, FTC, CFPB, and filed a local police report. Stay away from this company.
Product: Checking or savings account

On XX/XX/XXXX, I notified Wells Fargo bank of large fraudulent transactions to my account ( Platinum Debit Card Account ). These charges were made to XXXX and included XXXX transactions of {$360.00} each. This notification was made within XXXX hours of these activities/charges on my account. The bank representative confirmed my identity, that this was my account and that the charges were not made by me but were fraudulent ( closed the account to other activities ).

The bank at that time had not released the funds ( money still was in my checking account ) and they should not have made payment to XXXX ( we do not understand why that this did not occur ). I was told instead that the bank would investigate the matter and get back to me.

After waiting a considerable time ( XXXX  days ) with no response, I
attempted to contact the bank. When I finally received a call back, I was told that since fraudulent charges were made to my account back in XXXX XXXX XXXX  ( a XXXX  charge to the account, un-noticed by me ), that my claim ( claim # XXXX ) was not done in a timely manner ; quoting Federal Regulation E .

Not knowing Federal Regulation E, I ( and my father ) contacted other banking officials and based on the information about this case ( information given to Wells Fargo and included in this letter ), they told us that this interpretation of this regulation was not correct. They and we found the actions of Wells Fargo negligent, if not fraudulent. The actions of Wells Fargo also are encouraging criminal activities ( a criminal can make a small fraudulent activity against an account and if un-noticed, allows them to make other fraudulent activities against the account XXXX months later with no consequences/actions by banking officials even if notified of this activity in a timely manner ). We are sure that this is not the intent of Federal Regulation E. 
It has been over XXXX months since this incident occurred, based on my first contact with the bank on XX/XX/XXXX, when these large fraudulent charges occurred. We have received notices every few weeks from Wells Fargo telling us that the matter was still under investigation, but based on the last communication, Wells Fargo is considering the case closed. We also find it very interesting that they are returning the original fraudulent XXXX charge to my account. 
Since Wells Fargo has closed the case, the only recourse we have is to contact government and banking officials.

If you need anything else from me, please do not hesitate to contact me.

I look forward to a quick resolution of this matter and my hopes are that others are not treated like this, by allowing criminals to take advantage of debit card holders through Wells Fargos interpretation of Regulation E.
Product: Checking or savings account

I went to the companys ATM and withdraws some money and the ATM forwarded me {$300.00} that I didnt have and I did not have overdraft.I paid them and they will not remove me from the Early Warning list.After a long dispute with them.
Product: Money transfer, virtual currency, or money service

On Wed XX/XX/XXXX, XXXX XXXX initiated a payment from his Citizens Bank to XXXX XXXX 's XXXX Checking Account via XXXX. The transaction was an on-line transaction ( not mobile ). The account number for the XXXX Account was missing ONE DIGIT. As soon as we realized the problem, we called Citizens and were informed ( twice ) to NOT worry, the transaction would fall to a bad account and never complete. After a few days without getting the $ back, we contacted XXXX XXXX  and realized the bad account number that was entered on-line was actually a valid personal checking account number. 

At first XXXX offered to assist us but then called informing us that there was absolutely nothing they could do. XXXX would not re-route or transfer the money to the original or correct account! XXXX would not reach out to the account holder in any way. They did call the bank branch in Michigan, but the branch would also NOT agree to contact the inaccurate account holder. XXXX claims they were bound by privacy policy and could not let the account holder know the money was incorrectly deposited into their account. Can you imagine if XXXX had made this mistake into your account!?!? 

There was no name validation or any other validation of any kind. 

We also contacted Citizens Bank multiple times. Citizens Bank would not even try to assist us like XXXX did. 

Citizens and XXXX XXXX BOTH offered a manager to call us back but neither one ever followed up with the promised phone call!!!! 

XXXX XXXX Bad Account ( missing the XXXX ' ) AN XXXX RN XXXX XXXX XXXX Good Account AN XXXX RN XXXX Citizens AN XXXX RN XXXX
Product: Credit reporting or other personal consumer reports

I am writing regarding the alleged debt ( s ) appearing on my consumer report as a " charge-off. '' This communication serves as both a formal dispute under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) and a request for compliance under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ). If there are additional account details you believe pertain to this matter, I request that you provide those as well, as part of your obligation under 15 U.S.C. 1692g.

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and demand verification. Please provide : XXXX. Proof of the original creditors claim, including a full accounting of the debt 's origin, itemized charges, fees, and dates of transactions. 
XXXX. Evidence of your legal authority to collect this debt, including an unbroken chain of assignment or sale of the debt. 
XXXX. Documentation of my liability, specifically a signed contract or agreement demonstrating my consent to the debt and its terms. 
Until you can validate this debt with the required documentation, you are prohibited from any further collection activities, including reporting this debt to consumer reporting agencies, under 15 U.S.C. 1692g ( b ).
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective banks, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The banks have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

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/2019 a Certified letter was created and sent to Experian Credit reporting which included all necessary documentation requirements to demand " VERIFIABLE PROOF '' of an original consumer contract with my signature on it for the account named XXXX XXXX for the original creditor XXXX. Account # XXXX This request was asked for under the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) that Experian is required by Federal Law to verify through PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT. 

On XX/XX/2019 a Certified letter was also created and sent to XXXX XXXX demanding the same detailed information. As of today 's date XX/XX/2019 I have received NO REPLY from XXXX XXXX. 

As of XX/XX/2019 I have received through general USPS mail, that the dispute result to my above correspondence from Experian informing me that the company ( XXXX XXXX ) " CERTIFIED '' and " ACCURATE '' information that they are reporting to Experian and my dispute remains unchanged This is NOT what I requested from either Experian or XXXX XXXX. I asked for PHYSICAL VERIFICATION of the ORIGINAL SIGNED CONSUMER CONTRACT - ANY AND ALL ACCOUNTS THAT are POSTED ON MY CREDIT REPORT to which under Federal law they are REQUIRED to provide or the negative item reporting has to be removed immediately.
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. 
XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  : XXXX, XXXX Dept of ED XXXX XXXX Dept of ED XXXX XXXX Dept of ED 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: Checking or savings account

My Chime account was suspended because of a large deposit made. They thought it was fraud and asked me to provide proof of address and drivers license on Saturday, XX/XX/XXXX. I submitted everything they asked for, and they said it would be 24-48 hours at the most to review. They have denied me access to my bank account which has almost {$50000.00} in it, and we are now on XXXX XXXX of not having access to my account. 

I have emailed their support and review teams 5 times already this week and have not received any information back. I have called every day asking for help, and all they do is tell me to wait because the customer service reps have no access to the " back office '' staff that review cases. They are holding my money XXXX and denying me access to my account, and refuse to provide me with any updates on when the suspension will be reviewed or lifted even after I have sent them all of the information they have asked for.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX - XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX, XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. 

XX/XX/XXXX, XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - XXXX XXXX No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XX/XX/XXXX - XXXX Mortgage - XX/XX/XXXX - XXXX Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX- XXXX XXXX - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX, XXXX, XXXX Mortgage - No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. 

XXXX XXXX XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXX Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry.

Thank you
Product: Credit reporting

Experian has a fraud alert on my credit report and there is no way to remove it! 
They purposely rig their website to frustrate you so you will give up and not challenge the negative or bad things about you. 
I need the following fraud alert removed at once or face law suit and FCRA violations in XXXX County, TX. 

Experian credit report prepared for XXXX XXXX Your report number is XXXX Report date : XXXX XXXX, 2016 Credit Report Toolkit : Print your reportThis link opens a new browser window Credit EducationThis link opens a new browser window Know your rightsThis link opens a new browser window Credit Fraud Center General personal statements currently displaying on your personal credit report at your request appear below : ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016.