23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/20 I've received notification from ARS National Services in regards to an alleged debt owed to XXXX XXXX in the amount of {$4100.00}. In accordance with Federal law ( FCRA ), please provide proper validation of this alleged debt. ( Validation consisting of a valid agreement bearing my handwritten signature ).
Product: Money transfer, virtual currency, or money service

I can not link my PNC main checking account to my other bank checking accounts via XXXX or to make direct free money transfers between my own bank accounts any longer. I also can not link it to XXXX to pay my mom/sisters for minor small things for $ XXXX we are splitting for free any longer.
Product: Debt collection

Account opened XXXX. Amount ; {$520.00}. Im not liable for this debt with XXXX XXXX XXXX  XXXXI do not have a contract with Portfolio Recovery.They have not provided me with original contract as I requested.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized open loan appearing on my credit report. The account in question is listed as XXXX with a balance of {$17000.00}. I have no knowledge of this account, and I did not authorize its opening. Therefore, I request that you investigate this matter and remove the account from my credit report as it is inaccurately reported.
Product: Checking or savings account

On Friday morning ( XX/XX/2020 ), I attempted to access my Chase personal checking accounts ( two of them ) and was denied access and told to call them. After calling, being on the phone for about an hour and talking to a supervisor, I was informed that Chase decided to freeze both of my personal checking accounts and is terminating them. They also informed me that I can no longer bank with them. I have asked about my funds ( an estimate of {$1300.00} and {$980.00} ) since they are two accounts. I was told checks might be mailed out but it might take 10 or more business days. I completely understand that Chase reserves the right to close any account and for no reason, but I needed access to my funds. These funds are from family members and the NY unemployment office to help me support myself and pay my bills ( cable, cell phone, food, mortgage, electricity, XXXX, heating oil etc.. ) Now, all these bills are behind, further damage to my credit card score will be done, I will run into penalties and late fees and might lose some of these services. I am simply not in the position to be able to pay any of that without these funds. The NY unemployment office has been paying me for unemployment for the past 9 months ( since XX/XX/2020 ) and that was my main source of income during this Covid pandemic. After going to a Chase bank and spending 2 hours with a representative from there, Chase requested some documents from me to prove I was approved for unemployment. I was shocked, since the NY unemployment office has approved me and been paying me every week for 9 months and I maintain that eligibility. The NY unemployment office has not reached out to me for any errors, nor they stopped making my weekly benefits payments. Regardless, I provided Chase with the documents they claimed they have the right to ask for. Yet after that, I was told the accounts will be closed and my funds are frozen until further notice. I have no idea how a bank does this to its customers. They expect the customers to have additional money or other ways to survive while they freeze and hold their money? This has caused me a lot of emotional and mental stress, financial struggle more than being unemployed already and severe anxiety. I am unemployed, have no cash, have bills to pay and was collecting unemployment to survive this pandemic, but Chase decided to take my unemployment money. They also froze the funds and closed the account for my other personal checking account which had nothing to do with the account that was getting the unemployment payments being deposited into. Which I also do not understand why close both accounts even if Chase was trying to audit the account with the unemployment deposits? And they already assumed that I am committing some sort of fraud and closed the accounts? I have not committed any fraud, I contacted the unemployment office and they said everything is fine on my end. So I am not sure what this is all about but I need my funds so I can survive and pay my bills like all the other struggling Americans. 

Please help me resolve this issue as soon as possible. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint without any influence from any third party or agency. I have been doing my research on the FCRA. The law 15 USC 1681c-2 ( a ) says in case of identity theft, a consumer must provide : appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
On XX/XX/2021, I sent certified mail to Transunion containing a copy of my state I.D . and social security card for identification, FTC report, I identified the fraudulent inquiries of ; XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX ; my statement is on the FTC report that I did not consent or authorize the inquiries. 
From previous phone conversations with Transunion representatives regarding identity theft, I was told to provide a police report. The credit reporting agencies policy does not supersede federal law. The law never mentioned providing a police report when reporting identity theft. Nonetheless, I submitted a police report with the other documents. 
When completing the FTC report, it only allowed me to enter three inquiries. There is another fraudulent inquiry, XXXX XXXX. In addition, the law states that a consumer reporting agency shall block the information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt. Transunion received my documents certified mail on XX/XX/2021. As of today, the fraudulent inquiries still appear on my consumer report.
Product: Checking or savings account

I am writing to file a formal complaint against CashApp regarding their negligent handling of my fraud claim. Despite my repeated attempts to address the unauthorized activity on my CashApp card, I have been met with unprofessionalism and a lack of response. 

On XX/XX/2023, my debit card number was stolen and used to make an unauthorized order through XXXX at XXXX XXXX 's in XXXX, AL. I immediately reported this incident to CashApp, suspecting a security breach at XXXX XXXX 's mobile system. Multiple customers, including myself, have reported unauthorized charges from XXXX XXXX 's, as confirmed by the store managers. 

Despite providing CashApp with evidence, such as the receipt and delivery location, they have failed to provide a clear explanation or resolve my claim. My attempts to contact their customer support team have resulted in empty promises and unfulfilled assurances. This prolonged lack of response has left me feeling ignored and helpless. 

I kindly request your assistance in addressing this matter and ensuring that CashApp takes appropriate action to investigate and resolve my fraud claim. I believe that their handling of this incident has been negligent and unprofessional, and as a loyal customer, I expected better treatment and a prompt resolution. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue.
Product: Debt collection

A gentlemen named XXXX XXXX of XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, PA XXXX has called repeatedly trying to collect a debt from someone I have never heard of named " XXXX something ''. I was polite the first few times as we told my number would be removed but they continue call from morning until night.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENTS IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the 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 of 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
Product: Credit card or prepaid card

On XX/XX/ after being Wells Fargo customer for over 20 years I applied for a business credit card as I recently incorporated my small business. 

Having 20 yr history with Wells Fargo and always have solud account history I applied for business credit card. Having great credit History solid income and XXXX in 800s I was denied. 
When I called I was not given a valid reason why I was denied. I never got a response to my credit card application. I had to call back several times
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX company placed my mortgage under bankruptcy that was discharged on XX/XX/XXXX. I have paid on time since opening the loan in XX/XX/XXXX. I have talked with them several time and they refuse to report my on time payments since XX/XX/XXXX. I did not include my mortgage in the bankruptcy but they say it doesn't matter. They said they will never report my payments to the credit bureau 's. I can't refinance for two years so i'm losing valuable info on my credit reports monthly. Also I am a XXXX XXXX XXXX XXXX XXXX  XXXX veteran.
Product: Credit reporting or other personal consumer reports

Was sold to XXXX. My Id does not match up with the id used to open the loan and the address used to open the loan is not mines as well.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and 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 violations. My CashApp name is XXXX XXXX
Product: Mortgage

I have a XXXX mortgage with the same server as my XXXX mortgage, which I am current on the XXXX mortgage and have been. I filled bankruptcy over 13 years ago and have not heard from my servicer until this year. When I filed bankruptcy, I thought my XXXX mortgage was included since I never heard from my XXXX mortgage. For the past 13 years I have been working with SLS and have maintained in good standing on the XXXX mortgage. During the course of this year is when I started receiving phone calls about my XXXX mortgage being in default and that it is in foreclosure status, while giving me no further information on a loan that hadnt been active for 13 years or the courses of action that I could take to obtain information or get better details on how to try to resolve this issue. I have continued to try and see my options might be and the only resolution that was offered to me by SLS was a modification without any documents but wanted {$27000.00} within 20 days and a signed modification which only last XXXX years, otherwise the loan will need to be sold and terms go back. This loan I have I got back in 2007 where it was stated income no proof of income on an adjustable arm that doesn't cap. As of today 's date, there is {$99000.00} in interest fee, the principal is {$55000.00} I have been trying to work with the lender because I can afford the monthly payment on the XXXX mortgage, but they will not allow it unless I do this modification which is not permeant. SLS said there is no other options no one else to talk to. I am currently working with rural housing to help me get into a modification so I can keep my home. I want to keep this home ; I have XXXX children that have grown up in this home which we love. I continue to hope SLS will work with me l, but it doesn't look that way as I have been served legal papers for foreclosure. Since being made aware of this situation my family and I have been trying to find and seek out options to stay in our home of almost 15 years.
Product: Credit card

I requested the original contract from the account that was submitted to the credit bureau associated with my name, which I never received after many months of going back-and-forth with synchrony bank to obtain information. To the date, I have not received any remedy, which is delaying my personal affairs
Product: Credit reporting or other personal consumer reports

I have reached XXXX to inform them of the following : A notice to Agent is a notice to principal, and a notice to principal is a notice to agent.

I have received a copy of my consumer reports and I notice you have furnished transactions on my consumer report that are excluded by law as per the FCRA 15 USC 1681a ( 2 ) a ( 1 ) ; ( 2 ) Exclusions. -- -Except as provided in paragraph ( 3 ), the term consumer report does not include -- - ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report : Consumer transactions are excluded from the consumer reports. FICO and or any other RISK score or algorithm that you use to calculate a consumer credit score is not a factor where the consumer report is concerned. Definition of what the consumer report means.

Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing a consumers credit worthiness, credit standing, credit capacity, character general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes, ( B ) employment purposes ; or ( C ) any other purpose authorized under section1681 ( b ) of this title I went on and informed XXXX, TransUnion, and XXXX that the following accounts are not mines. They are ; XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im disputing any charges that were done on a credit card that was opened without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the out coming of my investigation that you submit, you are instructed to take no action that could be detrimental to any of my credit report.

Failure to respond within 30 days of receipt of this certified letter may result in small claim legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for ; - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) - Violation of the Fair Credit Reporting Act ( including bt not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

P.S Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claim action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Checking or savings account

- Entered XXXX XXXX on XXXX XXXX in XXXX on XX/XX/XXXX to wire proceeds ( {$100000.00} ) from sale of business to personal account. 
- Bank manager, XXXX, states that he can save me the {$36.00} fee and provide a certified check which I can run across the street to Bank of America. 
- I explicitly ask due to the large amount, will BofA put a 10 day hold on the check? I was assured they would not because it was an official check, and asked if the branch manager was sure. He confirmed again and I agreed to take the official check. 
- Deposited check at BofA XXXX XXXX on XX/XX/XXXX immediately after leaving XXXX, as suspected, they placed a 10 day hold on the check. 
- I called XXXX to inform the bank manager, was not a huge deal in my situation as the money wasnt earmarked for anything, but it could detrimental if he does this to someone else using that money for a down payment to a house, etc. 
- Fast forward to XX/XX/XXXX at XXXX XXXX ET, I receive a low balance alert from BofA. 
- I open my app, and not only is the initial hold of {$98000.00} still on my account until XX/XX/XXXX, but theyve also placed an additional debit/hold for the full value of the check {$100000.00}, draining my primary checking account and my secondary account which is responsible for all auto-pay bills. 
- I called BofA Fraud and they had no answers other than the check was flagged as fraudulent, we cant help, you need to talk to XXXX. BofA could not provide any rationale or logical explanation that two holds were placed on the account, in essence freezing any funds that we have. There is no sign of funds in either BofA or XXXX accounts.
Product: Bank account or service

I have noticed a date change in debit transactions I once had double checked as cleared. I think my bank is taking advantage of the fact that I get paid weekly and use my debit card to work. They manipulate my payments in an order that would lessen the availability for funds. This maximized the charges at an alarming amount of {$600.00} for the year of 2016. Before I make any payments, charges on my debit card I usually always check for availability. For instance there will be a certain day that all these charges will be cleared off and it just happens to be made more then just a couple of days before. Also they do not credit me when merchants have voided transaction and am told I would be credited never to see the money back in my account. The agents always blame the merchants but I they blame the bank. I have asked the Customer Service Agents to take me off there overdraft protection program and have been lied to about rules and laws for overdraft fees. Even when I was enrolled in the Overdraft plan guess what it would take money to cover the low balance but still overdraft me. So I would have to call Bank of America and state the obvious reason for why I was charged incorrect. I had asked right after that incident to be taken of the Overdraft plan because I know it just gives them the ability to charge my account even when it is negative. I have argued with these so called customer service agents about my rights and they tell me they still get to charge me just for rejecting a check. My account has charges that have cleared from XXXX days previous to reoccur and all on a day purposely before a direct deposit so that my money goes to over draft fees rather then to me. Every week I will check my account for available funds only to be hit with transactions hours previous to a direct deposit to clear. They will not clear off these fees because then they would not be able to make money off me. I have time and time again asked them I wanted an account that would not allow to overdraw the account meaning transactions will be declined by merchants and customers will not be charged a fee. They tell me that them rejecting the claim there is a XXXX dollar fee for it. I know that is complete lie and incorrect I do not get notified when some of these charges are made and in reality am in no control of my account because of there rules. I want an investigation to be made because they are out right telling me that no matter what I will still be charged weather I authorized a charge or did not I will still be charged.
Product: Debt collection

THIS IS THE XXXX TIME THIS PHONY DEBT HAS BEEN SOLD. IT HAS BEEN OVER A YEAR SINCE MY LAST COMPLAINT. IF THIS COMPANY EVER SELLS THIS DEBT AGAIN I WILL SUE THEM. STOP THE NONSENSE I DO NOT OWN ANY XXXX XXXX BILL.