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

Subject : Urgent Attention Needed - Dispute Resolution and Harassment Concerns Dispute claim # XXXX Dear Wells Fargo Bank, I am writing to express my sincere apologies for the delay in providing you with the necessary information regarding my ongoing disputes. 


The basis for my disputes are two-fold : Breach of Terms and Services : My initial agreement with Stuff Storage / Neighbors clearly outlined my expectation of XXXX access without harassment. Unfortunately, this expectation has been continuously violated, significantly impacting the reason I chose your services. 


Forced Change of Terms and Unjustified Decisions : Following my move, I was subjected to a forced change in my service terms. This decision, based on outside influences unrelated to our original agreement, forced me to endure undue harassment and abuse.They the following people were committing real estate and insurance fraud and they used Stor / Neighbor facilities on XXXX to create a fraudulent relationship with me! I am temporarily displaced I dont have any friends or family! 

I have never had any legitimate relationships with these professionals thieves! This is another reason why they requested an escort! Please refund all monies and if there are other charges with them refund them as well! I am sad Stuff / Neighbor were involved because for the most part these are wonderful people! 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Low class government chasing XXXX XXXX, XXXX XXXX XXXX '' XXXX and XXXX, and XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX from XXXX XXXX Furthermore, I believe Stuff Storage / Neighbors was manipulated by a network of elected and city officials in XXXX XXXX, who utilized their influence to sidestep the legal requirements! They did not have a legitimate legal basis so they violated their own policies! Incase you are wondering that is illegal and subject to legal action! This was a fraudulent attempt to validate the theft of my identity. 

This is completely unacceptable and goes against the core values I expect from elected city officials! 
I urge you to review the provided records documenting these issues. My primary objective is to resolve these disputes and deny any financial compensation due to these unscrupulous service providers! 

To facilitate a swift and satisfactory resolution, I propose a meeting at your earliest convenience or email or a day and time I can call you directly! My phone and identification was stolen by these people! I am available by email at XXXX Thank you for your time and attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Deposited over XXXX to robinhood for the last 6 months they have held my funds refused to let me withdraw funds and after I verified my account with identity documents they refuse to release my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is reporting inaccurate data to my credit file, the debt had reached the statue of limitations that a collector can report a debt of 7years, this debt also did not ever belong to me and is listed as a JOINT which I never was apart of. Please follow the laws and removed this inaccurate reporting of 7 years.
Product: Money transfer, virtual currency, or money service

Hello CFBP team, my PayPal account can not be linked to the bank and withdraw cash. I have called PayPal customer service many times, but the problem has not been resolved. Please help me, it has brought great trouble to my life. 
error message is included in the Attach documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : Experian : 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: Bank account or service

I came thru drive thru at XXXX to drop off XXXX deposits before the bank closes at XXXX because its Saturday and when the worker came up to me at drive thru she did n't even acknowledge me she just opened the metal drawer and pull it back in and walked away. I do n't care if I came at XXXX technically ya 'll are still opened gor another 5 minutes so if she had a problem doing my deposits I can gladly change banks because I do n't need a worker with a XXXX face on dealing with my money. This location is TD Bank XXXX XXXX XXXX, Fl XXXX. I do n't know her name but she is shortXXXX. Deal with her and how to be customer friendly because her customer service is ugly. Thank you and have a nice day.
Product: Payday loan

There is a loan on my credit report for Speedy Cash and a duplicate for XXXX XXXX for the same debt. 

I did not apply for this loan. I have requested documentation to prove that this loan was applied for by me and the debt collection agency gave me a checking account and said the money had been deposited into this account. 

I have not used the checking account for more than 5 years prior to the date of when the debt collector said I applied for the loan. I attempted to speak with the debt collector and I have on a recorded phone file where the debt collector threatened to have me arrested at my place of employment. The debt collector also told me that they would call my HR department and garnish my wages. On another day, the debt collector called and stated he was a police officer. 

I made a police report and the Police Dept in XXXX said that there was a scam going on and that this had occurred to many people where there identity had been compromised. 

My identity was compromised during an employment layoff in 2009 by the State of Texas XXXX XXXX and this is the only way they could have gotten my information. 

I have contacted the credit bureau more than XXXX times, my attorney XXXX XXXX firm has requested documentation and neither of us have received documentation nor updates for more than 2 years..
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX  XXXX XXXX Balance : {$29000.00}
Product: Debt collection

This company XXXX XXXX XXXX, sent me an email stating that I owed {$3200.00} from Ace Cash Express on XX/XX/XXXX. First of all, I don't have an account with these people and haven't obtained a pay day loan from them. I called the number on the email XXXX Ext.XXXX  and spoke with someone by the name of XXXX . She informed me that this account was created on XX/XX/XXXX and the email attached to the account is XXXX. 

After hearing this information, I immediately contacted my attorney at XXXX XXXX XXXX XXXX XXXX, attorney XXXX XXXX and she researched the information and informed me that it is a scam. Not to give them any information but to report them to Consumer Financial Protection Bureau and that is what I am doing now. This is terrible how people obtain your information and use it against you. They need to be stopped and prosecuted.
Product: Credit card or prepaid card

This is what they are telling me to do after having the card for 3 years no missed payment or anything. 

Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review Documents ' link below to provide consent via IRS Form 4506-T. Until this verification is complete, a temporary hold has been placed on your Discover card account. Your account will be closed in 14 days if you are unable to provide the requested consent. 

Please follow the steps below : Upon clicking the link, you will be prompted to enter an Access Code. The Access Code is the 5-digit zip code on file with your Discover card account, followed by the last 4 digits of your Social Security Number ( SSN ). If you use an  Employer Identification number ( EIN ) for your Discover card account, the Access Code is the entity 's 5-digit zip code on file with your Discover card account, followed by the last 4 digits of the EIN.

To complete the form, you must provide your e-signature.

If applicable, complete line item 4.

Please allow 5-7 days for Discover to receive and process the IRS documentation. Discover will contact you in writing to advise of completion of review of your account. 

For questions or if any information on your 4506-T is incorrect, please contact Discover Customer Protection Services directly at XXXX, or call the phone number on the back of your card. The team is available Monday through Friday, from XXXX-XXXX Eastern Time, and Saturday XXXX-XXXX Eastern Time.

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services
Product: Debt collection

A police report has been file with the : XXXX County Sherrifs Office Case # XXXX. The report was filed for identifdtity theft and I have reported the accounts attempting to collect debt not belogning to me. I have asked the credit agencies to place a fraud alert on amy credit repot and this has been achieved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$440.00} XXXX  ( Original XXXX : XXXX XXXX XXXX XXXXXXXX Balance : {$510.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

They current have on my credit report that I'm late for XX/XX/XXXX and XX/XX/XXXX. I'm 30 days for XXXX and its paid. XX/XX/XXXX was due on the XX/XX/XXXX and it's not set to be 30 days late until XX/XX/XXXX and XXXX shouldn't be late because it's not due yet. THe pay status should be current pay as again and the XXXX pay should be 30 days late XXXX should be okay and XXXX should be deleted and current balance
Product: Money transfer, virtual currency, or money service

My cash app was linked with my bank and transferred money to my cash app and withdraw the money and they tried to transfer directly from my bank and the bank called me there is unauthorized activity is happening and they locked my bank.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit on my Experian Credit Report. 
15 USC 1681e ( b ) Compliance and Procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable processes to assure maximum possible accuracy of the information concerning th individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness off the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report with XXXX, XXXX, and TransUnion, I discovered several inquiries that were not authorized by me and for which I have no further information. The inquiries are as follows : XXXX XXXX XXXX XX/XX/year>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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Under public records the following are still reporting on my credit report when the accounts are too old and should be removed off my credit report. 
XXXX XXXX XXXX  settlement accepted date XX/XX/XXXX XXXX card services settlement accepted XX/XX/XXXX XXXX  financial services settlement accepted XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint against XXXX XXXX XXXX for : Harassment and unethical debt collection practices Inaccurate and misleading credit reporting Improper use of law enforcement for debt intimidation Violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) Their actions have caused emotional distress, financial harm, and a negative impact on my credit report XXXX XXXX XXXX engaged in harassment to collect the debt, including involving law enforcement to intimidate me into making payments. This behavior is unethical, abusive, and potentially unlawful under federal debt collection laws. 
XXXX. Inaccurate and Inconsistent Credit Reporting : The auto loan account, opened on XX/XX/XXXX, was closed on XX/XX/XXXX, after the vehicle was returned to XXXX XXXX XXXX in XX/XX/XXXX. Despite this, the account is inaccurately reported as : Profit and Loss Write-off Transferred to Recovery Showing a balance of {$45000.00}, which is incorrect Additionally, during the process of trading in my previous vehicle ( which had a perfect payment history and was paid in full ), XXXX XXXX XXXX XXXX XXXX late payment to be reported on my credit report. For XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX This late payment was due to delays in transferring the vehicles ownershipan administrative error on their part, not a missed payment on mine.

3. Misrepresentation of Account Details : Throughout the collection process, XXXX XXXX XXXX has reported different outstanding balances and provided inconsistent monthly payment amounts. This lack of transparency is deceptive and misleading. 
XXXX. Failure to Correct Inaccurate Information After Dispute : Despite disputing these inaccuracies, XXXX XXXX XXXX and the credit bureaus have failed to correct or remove the false information from my credit report. 


XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 : 1681s-2 ( a ) : Requires creditors to report accurate information to credit bureaus. XXXX XXXX XXXX has reported inaccurate balances, payment histories, and account statuses. 
1681i ( a ) : Requires credit bureaus to conduct a reasonable investigation of disputed information. The investigation process was inadequate, and the errors remain.

1681e ( b ) : Requires creditors and bureaus to maintain maximum possible accuracy in credit reporting, which has not been upheld in this case. 
XXXX. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 : 1692d : Prohibits harassment, oppression, or abuse in debt collection efforts. Using law enforcement as an intimidation tactic violates this provision. 
1692e : Prohibits false, deceptive, or misleading representations, including inconsistent debt amounts and threats without legal basis.

1692f : Prohibits unfair or unconscionable means to collect a debt.

3. Potential Abuse of Authority : The involvement of law enforcement for debt collection may constitute an abuse of power and intimidation, which is outside the scope of lawful debt recovery practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX bank is reporting a late payment on my credit report for {$80.00} when auto payment every month is around {$400.00} on auto pay. I have set up this account years ago to auto pay and i have never removed or changed this feature. I just noticed this late on my credit. looks like the bank had a glitch on their end and is hurting my credit now.
Product: Checking or savings account

I am locked out of my Ally Bank online checking account because I was using a different device ( desktop at a public library ) that their system didn't recognize. This was never a problem in the past and I simply had to click an option that said " public device '' or " private trusted device. '' I had a temporary prepaid phone and used the number in their system in my profile but I but forgot the number because it's been so long since I replaced the phone with a new one. I didn't bother to change my number because I never needed it until now. I called the bank to sort things out and they accused me of fraud and hung up on me multiple times, even after I begged them to stay on the line and listen to me. Ally Bank has horrible customer service and they are STEALING my money having it locked away in an account I can't access! I answered every single verification question they asked me ( to the best of my ability ) but they still acted rude, disrespected me and completely locked me out of my account. They refuse to even give me a reasonable timeline on when their phony " investigation '' will conclude or give me an exact reason the account was locked in the first place.
Product: Debt collection

Called me at work and then got rude with me when told not to call me at work. 
XXXX XXXX with portfolio recovery
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$78.00} ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to code, USC 1666B. I did not have my consent to report any payment arrangements. It was made on account. Contacting all three credit bill about same issue. Provided all documents that shows that the reporting agency reported incorrect information no action taken from reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX ... GO FINANCIAL XXXX ... XXXX XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

I contacted LVNV about an old debt that I was tricked into paying after statute which is being paid as agreed. While I was talking to her, she found another old credit card debt from 20 years ago which was paid to a different creditor, but is back on their books with outrageous interest. The statute of limitations is 6 years in our state. They sent me a letter demanding a response within 30 days or they will take legal action against me for a 20 year old debt that was already paid to a different creditor. They are basically bullies taking people 's lunch money. I do not know whether to reply or not. The last time I replied to LVNV about a 15 year old debt out of statute, they sued me and I am still paying it. The amount is easily XXXX the original amount owed to the credit card. Our local judge just pushed these through and takes the money for the local court. Please help us. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

my information was in a equifax data breach several times. please block and remove these accounts due to equifax data breach