23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Around XX/XX/XXXX I contacted village capital current lender who I have a loan with now try to do a VA loan cashout.I have my VA appraisal and termite completed by another mortgage company they told me that everything was going to be completed and closing within 3 weeks.I have corresponded through hundreds of emails also to XXXX XXXX everytime he stated that I was approved on XX/XX/XXXX I was told that that the VA appraisal had got transferred and approved so that I would lose in 3 days.I let them know that my wife father XXXX XXXX in XXXX and needed to go to father XXXX.My wife did not make XXXX because they said she needed to be here to sign documents but nothing was completed. 
It was discovered after I spoke with loan proccessor XXXX that all the things the loan officer was telling me were all lies.XXXX stated that she did not have my XXXX, paystubs, VA pension paperwork, and wife information.I like that me and my wife were being lead just the loan officer can get commisson. 
I am a XXXX XXXX veteran and it is not right how these people can lie to people so bad.If they told me the truth I would not be so frustrated.I can forward copies of all emails.
Product: Credit card or prepaid card

I have been a loyal customer and account holder with Wells Fargo for about 5 years now. On XX/XX/XXXX, I opened a {$10000.00} secured credit card with them so they took a {$10000.00} collateral from my checking account. Since the day I opened this credit card account, I had paid on time and never missed a payment to this day. I never overcharged the card or went above the limit. In fact, over the past year I never really used the card for more than {$500.00} a month which I would pay in full at the end of each month. 

Finally, after 3 years, Wells Fargo decided to release the collateral and change the credit card account to an unsecured credit card. In XX/XX/XXXX, I received a letter from them stating that they would be depositing the collateral amount ( {$10000.00} ) into my checking account by XX/XX/XXXX. Unfortunately, that's not what happened. I did not receive my collateral by XX/XX/XXXX and they made me run after my money for three weeks for different excuses. Once, the check was lost in mail, another time one of the managers had forgotten to sign the check, and another time they had realized that not been able to deposit the collateral into my checking amount for some mysterious reason. I finally received the check 10 days late and after more than a dozen phone calls and follow ups. 

Furthermore, Mid-XXXX, after my credit card had changed to an unsecured card, I received a letter from the Executive Office of Wells Fargo, stating that " to manage their risk '' they've decided to close my account. I then, called every single department I could speak to, including the Executive Office, but they did not provide me any proper reason to why they closed an account with perfect payment history, no late payments, no high utilization and etc. I Spoke with probably more than 20 representatives and spent more than 24 hours on the phone with them to get an answer, but I wasn't successful. 

I spend 4 years building history and a perfect relationship with Wells Fargo and had {$10000.00} of my hard earned money sitting with them as collateral to make sure that I built history on my credit report and all of a sudden they closed my account for no good reason. This is clearly a discriminatory act by Wells Fargo since I am from the XXXX. I have been a victim of discrimination by this financial institution and want others like myself to be aware of what they did to me. I dont want this to happen to any other lawful XXXX XXXX like myself who work hard in this country and pay taxes like any citizen.
Product: Debt collection

I put in a complaint on XX/XX/XXXX Complaint Number XXXX which states as follows On XX/XX/XXXX I sent a letter to XXXX, XXXX and XXXX about ARS XXXX with a follow up on XX/XX/XXXX and XX/XX/XXXX. I have yet to get anything from anyone but XXXX which was only a letter with the total charges coming to {$1000.00} but my credit report lists a total of {$510.00}. No information of the first delinquency provided. I have also reached out directly to ARS to verify the account is mine and along with what the charges are for on XX/XX/XXXX and have gotten no response about this debt. 

ARS responded on XX/XX/XXXX stating they sent me a initial validation notice on XX/XX/XXXX which again I never received and they didnt respond to any of my letters they also stated they did on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They sent no attachments on the complaint as proof and then I received numerous letters which I have also attached here where they now have a validation notice that is dated XX/XX/XXXX and then another letter dated XX/XX/XXXX and XX/XX/XXXX saying it was verified. 

Obviously this company is making false statements and also not providing the correct FRCA compliance date to the Credit reporting agency or giving me any information on how this is mine or what the charges are for.
Product: Debt collection

I received a letter from this company stating that I owe a debt, I sent back a letter of debt validation and company sent back an itemized billing statement stating it is validating the debt which does not constitute validation according to Attorney XXXX XXXX XXXX FTC opinion letter, also stated to send proof that they did not purchase the debt, also copy of any viable evidence bearing my signature. Company did not send back what was stated in letter within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX  Act. # 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 a account without my written instructions
Product: Checking or savings account

Customer Service, On XX/XX/XXXX a deposit was made to my joint checking account aXXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ, consisting of XXXX checks listed below. All checks in the above mentioned deposit consisted of return on investments. 

XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Bank XXXX XXXX XXXX account number XXXX check number XXXX amount {$210.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$710.00} dated XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$1100.00} dated XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX account number XXXX check number XXXX amount {$9200.00} dated XX/XX/XXXX XXXX, XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX account number XXXX check number XXXX amount {$42000.00} dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Operating Account XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX check number XXXX amount {$29000.00} dated XX/XX/XXXX Pay to the order of XXXX and XXXX XXXX Prior to making the above deposit there was a balance of {$6100.00} in the account. The above deposit totaled {$84000.00}. On XX/XX/XXXX my account had a total of {$90000.00}. 
Chase Bank informed me a hold had been placed on my checking account including the funds in my account prior to the deposit made on XX/XX/XXXX. On XX/XX/XXXX Chase Bank sent me a letter stating they have blocked my account and will close it soon. 
On the Chase Bank XXXX XXXX, XX/XX/XXXX is the Date when the funds were available. I went to the Chase Bank branch in XXXX XXXXXXXX XXXX, XXXX AZ, to find out the account was closed. They were going to send me a check for the {$6100.00}. 
I have since received the {$6100.00}, funds that were in the account before the deposit. 
I have made numerous phone calls to a Chase Bank phone number XXXX Option XXXX. They have informed me they can not verify the Maker of the Check. I have given Chase Bank the phone number of the company 's which they have said they can not use. 
XX/XX/XXXX All checks were cashed by Chase Bank. 
As of today Chase Bank is holding our money.
Product: Money transfer, virtual currency, or money service

Recently I was scammed by a job opportunity and I was sent to checks one of them was returned for the amount of {$2000.00} the 2nd was for {$4000.00} which both checks I had deposited.The 2nd check was initially on hold when I spoke to someone named XXXX, she told me that by a certain date of it didn't come back that it would have went through. Then later I called the bank to see the status of the check. I spoke to XXXX from risk management and she explained to me that eventually it would get flagged and that she was holding it indefinitely for that reason. I had asked previously if I should contact the bank and I was told not to so I didn't. They did not clearly convey their responsibilities in regard to my account but rather to a third -party non-affiliate.The check went through initially, she placed it on hold for a 3 more weeks. I checked my account again and the check had went through and was in my account. I attempted to transfer money from checking to savings to clear my account balance when I was stopped and prevented from doing so. Security Service XXXX has done little to nothing in helping find a solution to my account. After the check has already been held for a prolonged amount of time. XXXX deliberately contacted the bank on the check and disclosed my personal account information in order to prevent the funds that were already in my account 2  times from being accessed with the sole purpose of denying access to funds in my account. The other bank was responsible for their accounts, XXXX disregarded my situation and my privacy.
Product: Money transfer, virtual currency, or money service

They closed my account saying that Ive violated terms of service, but fail to explain what terms they claim I violated. When I ask, they, do not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts did not have permissible purpose to furnish any remarks on my consumer report. I did not give these debt collectors my written instructions to furnish anything on my consumer report, which is a violation of the Fair Credit Reporting Act. Furthermore, I did not make any consumer credit transactions with the listed debt collectors below. They are in violation of the Fair Credit Reporting Act and must be deleted from my consumer report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT BUREAUS ADDRESS To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my XXXX consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with The following companies please remove these items IMMEDIATELY : XXXX XXXX XX/XX/XXXX XXXXXXXX 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/XXXX. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. THANK YOU, ATTACHMENT
Product: Credit card or prepaid card

I received and email from Macy 's to change my address for a purchase XX/XX/XXXX I never made the purchase. After changing my password and logging into my Macy 's account. There are several purchases dating back to XXXX on an XXXX card ( possibly a Macey 's store credit card from XXXX XXXX I called Macys, they said I would not be held financially responsible. But the account is still under my name/ social security number they have been making purchases using my online account in a Macey 's card under my name Macey 's stated there was nothing further they could do
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 u Der 15 USC 1681. XXXXXXXX Account  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. It also state 's a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

i logged into my chime account and noticed a substantial amount of my money was missing {$1000.00}. and i look and see multiple unauthorized transactions from a merchant XXXX XXXX and i proceed to contact my bank right after noticing on XX/XX/year> and they submitted a claim with a long phone call gathering as much information as i could give. then XXXX hours later XX/XX/year> they denied my claim.??
Product: Credit reporting

Experian Reporting Agency is reporting my XXXX XXXX Credit Card at a negative status. This account is paid as agreed and never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

These addresses are undeliverable to me by the XXXX postal service and needs to be deleted from my credit file immediately : Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX  XXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX, SC Incorrect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX On ( XX/XX/XXXX, and XX/XX/XXXX ), I asked you to investigate items that I believed were reporting not 100 percent accurate. As of now, I have no notice from you all stating that the accounts are in investigation. The furnishers will not respond to my repeated attempts for validation. In my previous letter, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. 

Please delete these accounts. 

Please see my reasons for dispute below : I have disputed this account on ( XX/XX/XXXX, and XX/XX/XXXX ) Section 605B states that if this account is the result of identity theft and have submitted the police report I filed, this account it should not be on my credit report, and I need you to remove it immediately. 
I also believe this is reporting inaccurately, please verify this information is correct. 

Please see my reasons for dispute below : 1. Collection Account : XXXX XXXX Account # XXXX Each credit bureau is reporting different information regarding this account. XXXX is stating the and Equifax is stating the date of last activity is XX/XX/XXXX and XXXX is stating the date of last activity is XX/XX/XXXX. Please delete this account from my credit report due to inaccurate information. 

2. Collection Account : XXXX XXXX XXXX Account # XXXX Please investigate if every piece of information is correct related to this account. If not, please remove it from my credit report. Because putting inaccurate information on my credit report could cost me higher investment rates and I have enough expenses as it is.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft as a result of a recent data breachOF XXXX. In accordance with my rights under 15 USC 1681c-2 ( a ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the XXXX XXXX breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within FOUR business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX Account # XXXX Amount : {$0.00} XXXX XXXX XXXX XXXX Account # XXXX Amount : {$0.00} I am also including an FTC Identity Theft Report with the reference number XXXX to further support my claim of identity theft. This report provides additional documentation of the fraudulent activity linked to the XXXX data breach. As mandated under 15 U.S.C. 1681c-2, upon receiving this identity theft report, credit reporting agencies are required to block and delete any information identified as resulting from identity theft within four business days. 
Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I became a member of XXXX  card back in XXXX. To be a member I had to pay {$490.00} to the company & I was to receive goods & services for me & my members. They kept putting off giving us compensation & then they folded leaving me with a {$490.00} membership fee & NO SERVICES were provided. 
I reached out to my bank at South State and their final determination was that no error occurred. I want my money back! I believe there is a class action suit against them as well. 
Southstate Bank XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX XXXX XXXX XXXXXXXX XXXX XXXX is a direct sales company that markets products through XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS REPORTING ON MY CREDIT REPORT HAVE NOT BEEN VALIDATED. FOR A FINAL TIME BEFORE I SEEK LITIGATION WITH MONETARY COMPENSATION, I AM HEREBY OFFICIALLY REQUESTING THE ORIGINAL CONTRACTS ( For Inspection ) including ALL pages WITH MY ORIGINAL SIGNATURE ( no copies ) and also provide an affidavit certifying that you did not breach any federal state contractual, commercial or consumer laws in carrying out the alleged contract and associated transaction. Also provide a transaction history with dates and details of payments. Finally, certify that you did not unlawfully use my signature to materially alter, falsify, or endorse any contract bearing my name or signature INTO A SECURITY, in order to convert my contract into assets, or gain assets from a third party. You MUST certify and prove that you are an actual LENDER as defined by law. You are bound by law to provide this information upon request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act and FCRA. TFC - XXXX & XXXX XXXX - XXXX. REMOVE ALL INCOMPLETE/INACCURATE ACCOUNTS FROM MY CREDIT REPORT
Product: Checking or savings account

In Approx Mid XXXX through XXXX I experienced identity theft. I reported the fraudulent activity to XXXX XXXX ( employee ) who I was directed to. The meeting was approx XXXX hours and I was told I would receive a refund once the appropriate actions by the bank were taken. He opened new accounts, new cards and told me I would receive the refund within XXXX days. He left the other accounts open that had the fraudulent activity open. After XXXX or so days I was still experiencing identity theft now in the new accounts. Money was being transferred all over the personal and business accounts, credit cards of mine being overdrafted and redirected. I lost all control to my passwords and online access. No matter what I did I could not stop it. I told the teller to look up the status of my refunds and she told me there was no record. I asked to speak to XXXX XXXX and she notified.e he had quit. I asked to talk to his boss and he had quit also. The new account manager attempted to help me but was unsuccessful. They gave me corporate numbers and I made the best attempt I could. Hours of phone calls and hours of communication did not stop it. Police reports were made for an individual who attempted to fraudulent cash a check. Police report was made for the business of someone attempting to process a credit card after the store had closed. The business closed XX/XX/XXXX. After losing the business and my income, not understanding why this could not be stopped, I committed a crime and was incarcerated until XXXX. In XX/XX/XXXX there was a police report for the business XXXX XXXX XXXX of an unauthorized attempt to process a credit card. There was also account activity until the end of XXXX. I had lost all access to my accounts and it was extremely frustrating and depressing. No matter how many times I told the bank, had new passwords, new cards, issued, I would lose access. After reviewing statements, check copies, transactions, I believe some sort of organized crime is related. All my efforts for this to be resolved have gone unentertained.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices, which violates 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.