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

Received a Summary administration from the state of Florida regarding my mother 's estate, a Well 's Fargo account included. WF refused to allow me to close the account and refused to honor a sister-state estate administration in the state of California. A letter to legal department stating the laws of the state of California regarding this situation was refused without basis and the bank still demanded ancillary jurisdiction and/or amendment on an already closed case.
Product: Checking or savings account

I deposited a check in the ATM of my bank on XX/XX/2022 at XXXX PM. The receipt stated that {$420.00} was the amount to be delayed on a check made out for {$650.00}. This was a Friday. I spend some money Saturday not knowing that the bank has placed a hold on the whole amount and funds will not be available until XX/XX/2022. I have reoccurring accounts set up with my bank. Going over my statement I notice that they are charging a late fee even before the late fee occurs in my account. Like it was a planned event on their end. I go to the bank Tuesday XXXXXXXX XXXX to ask why the hold is still on my check when the bank that the check was drawn on checked and saw that the check was cleared by their bank Monday XX/XX/2022. I went into branch office of Wells Fargo and asked why XXXX had not been completed. Because first of all, the funds were in the drawer 's account that day ( XXXX, XXXXXXXX XXXX ) because I took the payer to the bank as I have done for the past 5 years. This is the whole statement after depositing check : " A hold will be placed on the following check due to doubtful collectability. We have been notified by the paying bank that the check may be returned unpaid ''. Now while I wait on payment that I depend on to pay my debt, they are charging me late fees. That's not fair and if I can prove that the other bank did not send this message, what can I do to be made whole again? Financially in a bind like other Americans right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, BONDED ADJUSTMENT COMPAN add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA BONDED ADJUSTMENT COMPAN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case! 

Furnisher Account Number XXXX ( Original Creditor : 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 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 LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however, if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE or SIMPLY REMOVE them from my personal Credit Report!

Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me a notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate and damaging information that has been reported on my credit report by XXXX XXXX XXXXXXXX XXXX According to my records, a late payment was reported for my account number XXXX in XX/XX/year>, XX/XX/year>XXXX XXXX XXXX, This information is incorrect and negatively affects my credit score. I have attempted to resolve this matter with both your department and the credit bureaus without success. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, you are required to provide accurate and verified information on my credit report. To date, I have not received an adequate response or verification of this information. 

Therefore, I request that you immediately remove the reference to the XX/XX/year> late payment from my credit report. I further request that you notify the credit bureaus ( XXXX, XXXX and TransUnion ) of the removal of this incorrect information. 

Please confirm in writing the removal of this information from my file within 30 days of receipt of this letter, otherwise I will be forced to consider legal action to protect my rights under the FCRA. 

I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

AS PER THE GUIDANCE FROM THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) THE DOCUMENT NEEDED LETTER FROM AN ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX DEBT BONDAGE, WHICH FALLS UNDER TRAFFICKING ACCORDING TO TRAFFICKING-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5 -- 1002.142 ( B ) ( 7 ) I KINDLY REQUEST THAT YOU BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUISNESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT.

IM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED COMPANY INFORMATION TRANSUNION. PLEASE DELETE FOLLOWING ACCOUNTS. 

LAST OF SSN- XXXX DATE OF BIRTH XX/XX/year> MY NAME IS XXXX XXXX XXXX ACCOUNTS- XXXX ACCOUNT XXXX XXXX {$6300.00}, XXXX  ACCOUNT # XXXX {$6000.00}, XXXX ACCOUNT # XXXX {$1000.00}, XXXX  XXXX ACCOUNT XXXX XXXX, XXXX ACCOUNT # XXXX {$3100.00}, XXXX XXXX  ACCOUNT # XXXX {$890.00}, XXXX XXXX XXXX {$190.00}, XXXX XXXX ACCOUNT XXXX XXXX {$98.00}, XXXX XXXX  {$1000.00}
Product: Bank account or service

I have been able to access my exact amount of money from Rushcard. 
I would like to have access to my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported XXXX owing from XXXX XXXX on XX/XX/XXXX ( Sunday ). On behalf of XXXX XXXX who informed me the account was charged off XX/XX/XXXX off of report. Gettin financing for purchase of condo. Paid off accounts to increase credit score. On XX/XX/XXXX received alert from XXXX XXXX. XXXX XXXX reported collection for {$230.00}. Credit was repaired and no reporting from XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. I received no letter or phone call requesting payment dropped my score 40 points. Lender stated had never seen this during his 30 years plus in financing homes. Contacted Equaifax on XX/XX/XXXX three representatives told me to call back 2hrs. System updating, one hung up on me. This was Monday at XXXX. No report from XXXX to transition. Received report of investigation today from XXXX  debt removed. Raised red flags for me. Equaifax is fica score used for mortgage lenders. Exquifax called me today and gave back call back number. Placed call told department did not deal with disputes. Transferred to Representative named XXXX who asked me for my ss number etc. I was blown away when asked what day I filed dispute, this information would have shown on my report. There is really a problem with Equifax. Sent email to exquifax corporate director of credit  reporting. XXXX XXXX reported to exquifax with malice and intent to drop my score. Please investigate this matter too many red flags. The last representative stated they were not here for me to make phone call to XXXX XXXX. Company gets 30 days respond, yet company took 4 months to report debt at the exact time I had a score to receive my approval letter. 40 point drop was for {$230.00} which was never on report and unknown by me
Product: Credit reporting, credit repair services, or other personal consumer reports

A account was opened using my info fraudulent and the creditor refuse to remove the account from my credit file I provided a police report and ftc report
Product: Money transfer, virtual currency, or money service

I am trying to obtain my funds from Lending Club. I have requested a transfer on multiple occassions with not success. Thier contact information does not work. Phone line just states no one is in the office. Email address they provide is used for them sending messages only. 

Something is very wrong with this operation.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax is a consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agency Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Chase Bank notifying me that an unauthorized purchase with my Chase Credit Card was made at a XXXX XXXX Store ( # XXXX ) for the amount of {$1600.00} and {$2100.00} ( a total {$3800.00} ). Then and there I realized I have lost my Credit Card. 

I immediately denied making any purchase at any XXXX XXXX Store that day. I was later informed that Chase 's Fraud Department will investigate to determine the validity of the charges. 

On XX/XX/XXXX, I received a letter informing me that, after a " thorough '' investigation, Chase 's Fraud Department determined that the transactions were valid. Thereafter, I called and spoke with the representative who was in charge of investigating my case. I was informed that because my Credit Card has a chip, and that chip was used for the purchase, then necessarily I must have been the one to  make the purchase! 

Again, I told her I did not make the purchase. Someone who wrongfully took possession of my Credit Card used the card without my authorization, and in the process of said unauthorized use, he or she must have used the chip on the card to make the transactions. How that means that I must have been the one to make the purchases is completely without basis. 

I asked her whether or not she made any attempts to obtain the video surveillance at the XXXX XXXX store in question -- because certainly it will be unequivocal proof that the purchases were made by someone other than me. To which the representative responds that I am the one who is supposed to do so. 

Right after, I attempted to contact the XXXX XXXX store in question. I was told I needed to contact their corporate office 's fraud department, to which they transferred me to. The corporate office then told me that they can not release any videos without the order number of the purchases. Of course, I certainly don't have the order number -- I was not the one to make the purchase, and, therefore, I do not have the receipt or any information as to those purchases. In fact, it's clear that XXXX XXXX was in a better position to obtain the order number than I was -- after all, it's their store and they are the ones to keep records of transactions. 

It is clear Chase 's Fraud Department did not make the alleged " thorough '' investigation. It would appear that all the representative did was make sure that the Credit Card chip was used to make the purchase. This entire dispute revolves around the fact that someone else has possession of my card. He or she will and has undoubtedly used the Credit Card chip to make the purchase. Just because the transactions were made with the Credit Card chip in no way represents that it was made by me, especially given the circumstances that I did not have possession of the Credit Card. 

Now, in addition to this CFPB complaint, I am also filing a police report and a formal complaint with the FTC.
Product: Vehicle loan or lease

End XX/XX/2017 XXXX  XXXX contract woman. I handed her XXXX. Then she showed me contract. First thing was ... you see this..this means I have to be nice to you. XXXX XXXX was with me and began recording the way she talked condescending to me. Contract woman refused to give me back my XXXX which was 6 months back pay of XXXX I'd given her telling me I could walk out XXXX lighter or sign for and buy truck. XXXX XXXX took full advantage of me, XXXX on medication. It was robbery and they refused to take it back because they had me coming back and forth and not doing what they said they'd do. XXXX down disappeared because selling price for XXXX XXXX  XXXX on contract was original XXXX. They added stuff I didn't want and she said too bad because its all been added. American acceptance charging 24.99 % interest. I've paid over XXXX but yet payoff is over XXXX .... 
They gave me no choice so I was stuck with no one to defend me. I just now found out who all to complain to! My health isn't good so I'm down more than up ... time passes me by. It was a crooked criminal deal and I was forced because she refused to give my XXXX is just handed her a few minutes earlier back. The only resolution would be to call the XXXX plus as paid in full. Or call it paid and buy back from me for XXXX or just a fair remedy for resolution from the humiliation of the treatment the way it was forced on me and telling me sign or walk away XXXX lighter. I want them both held accountable!! XXXX XXXX XXXX and American Credit Acceptance. I've got contract that I can send. There should also be federal laws regarding this criminal act against XXXX XXXX   XXXX person plus they especially she were discriminating against myself and my young friend from XXXX.
Product: Debt collection

I notified this company that this account does not belong to me and submitted a police report, which also proved this account is not mine, but they have not removed it from my credit report.
Product: Debt collection

This Collections Agency under contract by the US Department of Education is charging me more than {$12000.00} in fees and more than {$1000.00} in interest for a Student Loan Debt. They claim the Debt goes beyond {$80000.00} which is exagerrated and false. They claim they can seize my income tax returns and they have already damaged my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureauthe date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on USD/XXXX  partial account numbers ****XXXX ; ****XXXX  and ****XXXX. ( Please see pages attached from my credit report. ) These accounts report a  {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

In XXXX of XXXX I received a letter of satisfaction from a court stating my debt was paid. A couple weeks later the company called stating I still owed and I said the court said that I do not owe anything as I received this letter of satisfaction. Later the agency called again stating they will garnish my wages if my debt is not paid. 

On XX/XX/XXXX I get a call from the Agency again so I went to let my HR know who was on the phone. She then shows me a letter from the courts with the " Garnishment of wages. '' I am unaware that the company is doing that or of any court dates. As well as I have my letter of satisfaction why am I still being sued for a debt I have paid off.
Product: Checking or savings account

I have had nothing but problems with my bank over 4 years ago checks were sent to an incorrect address after my address was updated with the bank the person living at the address used my checking account to pay their bills I had to open a new checking account at the time the bank promised that I would have a no fee checking for certain balances and no fees for checks I have recently discovered that I am being charged XXXX for checks I don't feel as though these charges should be charged to me I would like them to be refunded to my bank account
Product: Money transfer, virtual currency, or money service

XXXX is holding my money in the amount of {$3100.00} in my account that has been deactivated permanently for over 3 months Since XX/XX/XXXX. They said I wasnt able to verify my identity which is a lie because I verified my identity 5 times prior to them closing my account. I really need the money since my car was stolen and need to get it out of the impound.
Product: Credit reporting, credit repair services, or other personal consumer reports

An original account that I had through XXXX XXXX  was purchased by Midland Credit Management Inc. who was their signee. Midland directed me to the Law Firm that they hired/retained as a debt collector. Upon multiple conversations both over the phone with the law firm and through email with the attorney for the Collections Department. The Law-firm agreed to settle the account in FULL and verified via email on XXXX XXXX2020 that my account " HAS BEEN CLOSED IN OUR OFFICE AFTER RECEIPT OF PAYMENT TO SETTLE IN FULL. '' The original amount owed was {$2700.00} and I counter offered, in which they counter offered and I agreed to their counter in the amount of {$2000.00} The part that I didn't notice was that they stated that there was a remainder of {$670.00} that was not paid. 

How can there be a balance of {$670.00} when I paid the agreed upon amount of {$2000.00} and they closed the account after RECEIPT OF PAYMENT TO SETTLE IN FULL? 

This is so deceptive I don't know where to start. I learned that this is not an uncommon practice for them after doing the research. I just want the balance removed from XXXX  and XXXX reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to not properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax constantly responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation, this practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( file No. 2025-CFPB-0002 ) against them for similar violations, I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation.