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

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Juno ( CapitalJ Inc. ) regarding their role in denying me access to my funds totaling {$1600.00}, which are stated to be held with XXXX XXXX XXXX XXXX  in a checking account ending in XXXX. This issue has persisted since at least XX/XX/XXXX, when Juno canceled two bill pay debit card transactions and subsequently canceled an ACH withdrawal. 

Upon questioning Juno about these incidents, their response was : " As of now, XXXX XXXX XXXX XXXX  has frozen all card payments. This is out of our direct control, but we are doing everything we can 24/7 to help unfreeze card processing. We are in contact with XXXX XXXX regulator, The Federal Reserve Bank XXXX XXXX XXXX, and are doing everything we can to get cards activated as soon as possible. '' Additionally, Juno stated : " The disruptions are due to issues with our banking services provider, XXXXXXXX XXXX XXXX XXXX. Juno is not responsible for the disruptions. We are closely collaborating with XXXXXXXX XXXX XXXX XXXX and our brokerage partner, XXXX XXXX XXXX, to resume normal service operations. '' I subsequently contacted XXXX XXXX who informed me that several months ago, their relationship with XXXX ended, and all accounts were transitioned to XXXX XXXX. They advised me to contact XXXX directly. 

As a customer, I find myself caught in a loop of blame-shifting between Juno, XXXXXXXX XXXX XXXX and XXXX XXXX. Despite this, my account was created with Juno, and I entrusted Juno with my funds. Therefore, Juno should be responsible to me as their end user. 

The freezing of my primary bill pay account has caused significant hardships and inconveniences. However, I am aware that detailing these would likely not impact the outcome, as it seems clear that none of the involved parties are prioritizing the resolution of this issue. 

I request the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that Juno ( CapitalJ Inc. ) takes responsibility for providing me access to my funds promptly. This situation is unacceptable and has caused considerable stress and financial difficulty. 

Thank you for your attention to this matter.
Product: Checking or savings account

PNC apparently bought my free checking account from my previous bank around XX/XX/2021 ( I've never wanted a PNC checking account ). PNC has been charging me account maintenance fees so I want to close my PNC account. On XXXX I visited their branch in person in XXXX CA, and a PNC banker looked at my account and said I couldn't close it in person and needed to call them. On XXXX I called and asked them to close the account. They said I couldn't close it over the phone because I owed them a {$4.00} account maintenance fee which I can only pay by visiting a branch in person ( because I don't have a debit card ). I'm tired of being sent back and forth between in person and phone, and want them to close the account and forgive the account maintenance fee.
Product: Debt collection

I have been a victim of identity theft in which the culprits opened numerous lines of credit in my name including a auto loan, credit cards, bank accounts, apartment rentals, utility services, retail store lines of credit and other items still under investigation. 

I am unaware of who is fraudulently using my identity which has had significant impact on my credit which has impacted my living conditions significantly. 

I have requested and dispute the account at which time I was advised the account was validated and would remain on my credit. 

I requested proof of account validation and who validated the account and have not been provided any information other than the account will remain on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT ALL 3 CREDIT REPORTING COMPANIES LETTERS TO VERIFY THE ACCOUNTS THAT ARE ON MY REPORT. XXXX XXXX, XXXX, AND EQUIFAX ARE REPORTING DIFFERENT THINGS ON MY CREDIT REPORT. NONE OF MY PERSONAL INFORMATION IS THE SAME. AGAIN I HAVE NOT RECEIVED A RESPONSE FROM EITHER OF THEM, I THEN SENT A COMPLAINT TO YOUR COMPANY ABOUT THEM AND YOUR COMPANY WHICH IS SUPPOSED TO BE FAIR TO THE CONSUMER THEN INFORMED ME OF THE COMPANY RESPONSE. FIRST, NEITHER OF THE CREDIT REPORTING AGENCIES HAS SENT ME ANY PROOF OF DEBT. I DON`T CARE WHAT A COMPANY SAYS IS MINES I WANT PROOF OF DEBT AND PROOF THAT I APPLIED FOR THE CREDIT THEY ARE REPORTING AS A INQUIRY. I SHOULDN'T HAVE TO GO BACK AND FORWARD WITH THEM ABOUT MAKING SURE THE STUFF THEY REPORT IS ACCURATE. YOUR COMPANY ALREADY KNOWS THE LAW SO I DON`T HAVE TO TELL YOU MY RIGHTS AS A CONSUMER. NOW, I HAVE STATED THE INFORMATION THAT IS BEING REPORTED IS INACCURATE AND FALSE AND I WANT IT DELETED. IF I NEED TO GET A LAWYER INVOLVED I WILL BUT YALL ARE GOING TO DO WHAT'S RIGHT BECAUSE YOU ARE OBLIGATED TO DO SO. THE FOLLOWING ACCOUNTS ARE INACCURATE AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Equifax announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to equifax, transunion, and experian but not haven't got a response. I moved to my new home XXXX XXXX XXXX XXXX XXXX, IL XXXX and I am still being bothered by collection agencies and still have discrepancies on my credit profile. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the Equifax Data Breach Settlement given to me by Equifax credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.
Product: Mortgage

My mortgage servicer recently changed from Amerihome Mortgage Company , LLC ( " Amerihome '' ) to XXXX XXXX  XXXX ( " XXXX  '' ). Amerihome sent my wife and I a letter on XX/XX/2021 informing us about the change to XXXX. The letter stated that all payments should be sent to XXXX at a XXXX XXXX XXXX XXXX, IL. My wife and I had automatic payments set up with Amerihome. On XX/XX/2021 Amerihome sent us an email stating that if we had automatic payments set up with them it would continue with XXXX and no further action was required on our part. Our mortgage payment was due on XXXX. 

On XX/XX/2021 ( five days after our payment was due ), Amerihome sent us a correction email stating that our automatic payments would not be continuing and that we either needed to set up an online account with XXXX or mail the payments to XXXX and again provided the po box in XXXX, IL. My wife and I promptly mailed a check the next day as we had not received a letter from XXXX yet with our account number to be able to create an online account ( we tried to set XXXX up before mailing the check out ). 

On XX/XX/2021 ( the end of the 15 day grace period for late payments ) we still had not seen the check cashed. I called XXXX and the customer service representative I spoke with explained that Amerihome had given us the wrong payment address. The correct payment address for our mortgage was a po box in XXXX, CA, not XXXX, IL. The customer service representative asked if our prior servicer was Amerihome and stated that Amerihome sent out these emails ( with the auto pay info and the wrong payment address without confirming the information with XXXX ) to many people and they were getting a lot of calls. XXXX advised me to cancel my check and make a payment online ( I now had the information I needed to set up an account ) and that there would no penalty or negative impact on my credit score as the grace period is extended to 60 days when servicers change. 

I then issued a stop payment order with my bank and was assessed a {$35.00} fee for doing so and made my XXXX payment to XXXX online. I contacted Amerihome to ask that they reimburse me for the {$35.00} fee because it was only assessed as a result of their incorrect information. I explained what had happened, just as I have here and provided them copies of the emails they sent me, evidence the {$35.00} fee was charged, and evidence that the address they gave me was wrong. They told me that the address was not wrong ( it is, and is easily verified on XXXX 's website ) and that they verified it with XXXX before sending and told me to take up my issue with XXXX. They did not acknowledge the fact that they told me my automatic payment would go through just fine and only told me it wouldn't after my payment was due. 

I have no way of confirming if XXXX incorrectly confirmed the information for Amerihome, but XXXX did not provide me any incorrect information to me that resulted in this fee, Amerihome did ( multiple times ).
Product: Student loan

I have contacted Wells Fargo Student loan department to provide me with statement that shows 1- The total amount I borrowed 2- The First month I started Paying for the loan 3- The total I paid before my Student loan was sold to XXXX XXXX Services 4- The Total Amounts remaining that they sold to XXXX and they declined to provide me with the requested information. I even requested to talk to a supervisor who may know better  to assist me and I was told I was talking to the executive office and  therefore there is no one else that can help me or provide me with what I am requesting. They even denied me to offer my grievance/complaint rights as to who I can contact to file complaint against them. I had to XXXX to find Consumer Finance phone number and website. 

The Reason I am requesting this information- I believe my student loan should have been paid off by now because I graduated in XX/XX/2009  and I started paying the minimum 6 months later. It has been 10 years since I have been paying the minimum due. Plus, I only borrowed {$10000.00} from Wells Fargo and the document they sent me shows I borrowed close to {$15000.00} which is not correct. I have already contacted the college I went to and they confirmed the loan amount to be less than {$10000.00}. So, there is something they are hiding. They probably sold the wrong amount to the second company they sold to ( XXXX ) and that is why there is still a balance on my student loan account. Wells Fargo sold the loan to XXXX XXXX services and they in turn sold to XXXX. So, something went wrong along the lines of selling the loan balance which I am trying to get to the bottom. They sent me a document via email showing I only took a total of 4 loans and they mailed me a document showing 7 loans. So, those two alone contradict because they said they mailed me the same document they emailed me which is not correct. The documents they mailed me show the loan I took adds up to be close {$15000.00}. Please help me. Thank you
Product: Credit card or prepaid card

I had my temporary card from american express serve and used a few times before it just kept getting declined, I called customer service explained that my card seemed to be no good because it was not working she then told me my balance and it was XXXX dollars less than it should have been, at that time I explained that o haven't been able to even use my card and that those charges where not correct. She then told me activate new card and money would just reappear basically, and I knew at that point she either did not understand what I was saying or was wrong. I called again got transferred to fraud and was told same thing activate new card not addressing the XXXX missing and then hanging up. I've sent emails to every american express email I could find and from what it seem they want nothing to do with recovering my money. The transactions are listed below. XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$600.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - {$1000.00} XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XX/XX/2019 ATM Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX - $ XXXX - {$100.00}
Product: Credit reporting or other personal consumer reports

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

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter is a formal demand regarding the harmful and false information reported by TransUnion XXXX XXXX XXXX ( TURSS ), which directly caused my recent rental denial. The information provided in your screening report is unauthorized, inaccurate, and detrimental to my well-being. 

I have no contract with XXXX XXXX XXXX XXXX XXXX, nor have they provided any verifiable proof of legitimacy for the information they supplied. Yet, this unsubstantiated data has been used to deny me housing, which is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

I know you can care less about this because it isnt happening to you, but your failure to maintain accurate reporting is endangering my financial stability and personal safety. This denial is not just an inconvenienceit is jeopardizing my ability to secure a home and build my future. 

Let me be clear : You must immediately retract the information provided by TURSS that led to this rental denial. 
Remove all references to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX from my report. 
Provide written confirmation of these actions within 24 hours. 

Failure to address this matter promptly will leave me with no choice but to pursue legal action. I will hold both TransUnion and any involved parties accountable for the harm caused by this negligence. 

This is your final warning. You have 24 hours to resolve this matter and provide proof of compliance. 

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

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$2300.00} XXXX XXXX XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Balance {$4800.00}XX/XX/XXXXXXXX XXXX {$0.00} TBOM/MILSTNE XXXX Balance {$0.00} XXXX XX/XX/2023 XX/XX/XXXXXX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Vehicle loan or lease

harrassing to pay, calls all day long leave message at least 6 times a day
Product: Mortgage

refinced the loan with out my knowledge and reported late, this is deceptive practice
Product: Credit reporting 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 the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX 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 that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credit International Corporation XXXX XXXX XXXX XXXX, WA XXXX The company above reported a Corporations Possible Liability to my personal credit. 

Credit International Corporation is a collection agency acting on Behalf of XXXX. 

XXXX processed a check for XXXX XXXX XXXXXXXX XXXX that we received from a customer, XXXX XXXX XXXX. XXXX XXXX put a stop a payment on the check after the check was cleared by XXXX. XXXX notified us after 3 months that there was a stop payment placed on the check. XXXX XXXX XXXX promptly filed a criminal complaint against XXXX XXXX with XXXX XXXX XXXX 's Hot check division. We informed Credit International Corporation about the ongoing criminal investigation. 

XXXX XXXX XXXX XXXX is not a sole proprietorship but a Corporation. XXXX, Processed the check in question, on behalf of XXXX XXXX XXXX and not on behalf of XXXX XXXX. 

Credit International Corporation has been harassing XXXX XXXX XXXX threatening lawsuit etc. We informed them over the phone about the ongoing criminal investigation. 
If there is any liability, this liability is XXXX XXXX XXXX 's liability and not XXXX XXXX 's liability. 

I demand that Credit International Corporation remove the fraudulent reporting they placed against me with Credit agencies Illegally. I also request that this company be fined as permitted by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.
Product: Credit reporting

Please update my credit report to reflect the following and delete the old information as requested
Product: Debt collection

In XX/XX/XXXX, I received a collection notice from the collection agency XXXX XXXX, stating that I owed the original creditor XXXX XXXX {$1100.00}. The debt was then purchased by XXXX XXXX. 

I had no prior knowledge of this debt and contacted XXXX XXXX for the background. I learned from XXXX XXXX that someone used my identity to open a money account in early XXXX. The person overdrew {$1100.00} from this account and never made a payment. 

In XX/XX/XXXX, I contacted XXXX XXXX and explained to them about the identity theft that the debt is not mine. I also filed a police report and a Identity theft report with the Federal Trade Commission. I also mailed XXXX XXXX a formal letter along with copies of identity theft and police reports ( see attached ). I also submitted copies of the reports to XXXX XXXX. 

In XXXX, I received a fraud packet from Arcon Credit Solutions, a collection agency that is related to XX/XX/XXXX. A fraud packet asked for details about the identify theft. I completed the package and sent it back along with a police report and identify theft. 

However, in XX/XX/XXXX, I still received another collection notice from Arcon Credit Solution stating the debt is now placed with them for collection ( see attached ). I called them and the representative told me that my identify theft report and fraud packet were denied. She was unable to give a valid reason of why it was denied and insisted I owed them the debt. 

I would like to submit this complaint as the debt was not mine. I have filed a police reports, identity theft reports, and signed affidavits that I am a victim of identify theft. Would you please help provide a solution to the situation as the collection agency is still going after me for a debt I do not owe. My concern is without a solution, they will continue to contact me and potentially impact my credit. 

Please let me know if you need further information to move forward with this complaint.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, the Bureau issued an order against Block, Inc. ( Block ), a nonbank headquartered in XXXXXXXX XXXX which operates Cash App, a mobile payments application through which consumers can send and receive money through peer-to-peer transfers. The Bureau found that for years after the inception of Cash App, Block failed to provide effective customer service for Cash App, including by failing to provide live telephone agents, which prevented consumers from being able to have their financial issues addressed in a proper and timely fashion and resulted in fake customer service lines through which consumers ' information would be stolen, in a manner that was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). The Bureau also found that Block failed to take timely, appropriate, and effective measures to prevent, detect, limit, and address fraud on the Cash App platform in a manner that was unfair in violation of the CFPA. The Bureau further found that Block used the card network chargeback process as a substitute for fulfilling its obligations under the Electronic Fund Transfer Act ( EFTA ) and Regulation E to investigate and resolve disputes about unauthorized transactions in a timely manner in violation of the CFPA 's prohibition on unfair practices. In addition, the Bureau found that Block engaged in deception by misrepresenting that it protected consumers from unauthorized transfers and had a telephone line to report such unauthorized transfers. The Bureau also found that Block failed to comply in multiple ways with the requirements of EFTA and Regulation E, including regarding error resolution. The order requires Block to change its practices to comply with the law, pay at least {$75.00} XXXX in redress to consumers, up to {$120.00} XXXX. The order further requires Block to pay {$55.00} XXXX in civil money penalties. I am filing a lawsuit against Cash app ( Block inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

im making my payments how i want to make them at this time. They are calling me just about everyday when the account isnt even 30 days past due.