23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report A fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. ThIS fraudulent account consist of a auto loan account ThIs account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Checking or savings account

On XX/XX/XXXX I called Chase Bank to refute a charge placed to a car detailer. The detailer failed to provide services for close to a year and refused to provide a refund. Every time I asked for a refund from the merchant, an excuse or delay was given for months on end to no avail. Called Chase to  refute the charge as a last resort. Charge was made XX/XX/XXXX and Chase let me open a case. Got a letter in the mail dated XX/XX/XXXX saying they have denied my claim and are going to reverse the credit of {$2800.00} they gave me. No reason given other than that the charge was correctly authorized. Call the claims department as I was never asked to submit proof or any other validation. Claims department proceeds to inform me that since it was over 120 days ago, they couldn't recover my money. I ask why they even let me make the claim, no reason given. Wouldn't escalate it to a manager or supervisor. I don't understand why a investigation wasn't done at all. The company involved flat out does not return phone calls and won't do a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime around XX/XX/XXXX or XX/XX/XXXX,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX
Product: Checking or savings account

XXXX a check an unauthorized user got into my account and deposited a check while I was in the hospital.I immediately informed the bank and the customer service rep stated someone tried to call and access my account by phone and was directed to gong to the branch because they did not have the proper identification to identify me.The credit union never took the time out to protect the customer i put in my complaint ask them go run the tape when the deposit was made heard to conflicting stories one was the check was deposited and funds were not available. Now im.hearing check was deposited funds were drawn out T the same time of deposit I sent in document showing I was in the hospital then I was sent a decision letter stating I owe XXXX dollars but then said on phone XXXX they never looked at the claim just focus on how they were going to get the money back when they allowed an unauthorized user to go into my about and want me to pay for it and then I discovered they closed my savings with no notice no phone call I would like justice with my account people koin this credit union for the o and honor of love ones who fought for our country none of this is taken in consideration they restrict your account on things that they allowed to happen when they ate suppose yo be protecting the customer
Product: Mortgage

My mother passed in XXXX when she passed she was current on her mortgage payments I applied for a modification with Wells Fargo due to me being behind on the payments in XXXX the mortgage was paid up until XX/XX/XXXX when I lost my job due to job relocation out of Maryland Wells Fargo gave me the runaround for over a year on modification with my long as to which I believe I qualified at the time and had turned in all the necessary paperwork through the local Wells Fargo branch everything was documented as I was told certain things were not turned in as I continue to follow through and turn them in with the modification process I was denied twice the first time was because I only got a second chance because I made a complaint based on their procedures I am coming to find out that the home may have been covered with insurance after my mother passed I believe Wells Fargo went to far with my modification and I also believe at the time I was qualified for modification as well as there was MPI and PMI insurance on the home and I believe This is why they rejected me due to them being able to be paid out double on the home this is fraud and it should not be allowed
Product: Money transfers

Hi I am filing a complaint against XXXX XXXX for fraud and abuse of my credit card. This summer I had at least XXXX or more stolen from my credit cards and my bank account. They were only giving me XXXX in credit in which more then XXXX was stolen for in applications on there site. I was only able to get some of that back but there is more then XXXX that needs to be sent back to my account. My bank is over drawn due to this and I am on XXXX and they need to send all my money back. It has been months of complaining about this and they will not send my money back. I did not give theme the right to over XXXX to steal from my bank. It is an online account for games and I would never authorize them to take my money and they refuse to contact me any more. I have complained to my bank and to them and over XXXX total is missing due to fraud and abuse. I went on vacation and it started as XXXX to XXXX purchase and as of months later none of it was returned so I am contacting you for help to get the money back that was stolen from my bank account.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018 my checking account had an ACH in the amount of XXXX. Another charge on XX/XX/2018 in the amount of XXXX. 

This resulted in 4 nsf and return fees of {$36.00} each. 

The company XXXX XXXX XXXX is now unable to answer questions as they say the account is in collections.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I called Experian to have them delete inaccurate inquiries that were due to Identity theft. I sent them a dispute letter, a FTC report and proof of identification. They couldnt delete certain credit inquiries because they noted that certain inquiries came from an existing account with a purchase of a vehicle loan. I told them yes I did purchase a car but on the same day I was a victim of identity theft which caused my information to be leaked. An Experian agent told me to contact the dealership so they can have the inaccurate information removed, however they insisted that the credit reporting agency has all the power to correct because they have no documentation per my request. I am asking Experian to do the right thing and delete these inaccurate inquiries because I was apart of identity theft. Based on the law I ask that Experian send me documentation or proof or any written permissible purpose regarding these inquiries according to the law. 15U.S.C ( B ) ( A ) ( 2 ). Please remove according to the law.
Product: Mortgage

my XX/XX/2016 statement indicated {$370.00} due in fees + overdue payment of XXXX for a total of XXXX. 
( As of this date there 's XXXX in unapplied funds as I am paying extra each month to get current ) {$160.00} listed as maintenance fees rest unknown. the statement listed several fees however each fee listed also listed a credit for the same amount. 
I contacted my server and was told the maintenance fees were due to locks being changed due to an inspection in which the house appeared vacant. I informed my server the house is not vacant and had the locks been changed my tenant would have been lockedout and that is not the case. 
I demanded an adjustment of all fees with confirmation. to this date I have received 2 letter informing me that those fees have been removed. 1st dated XX/XX/2016 & 2nd dated XX/XX/<YYYY> however per my statement dated XX/XX/2016 those fees are still part of the overdue amount. I have requested in writing that they correct this and just ignore me.
Product: Debt collection

I tried making a dispute with the credit bureau about this account on my file. 
With no luck. I now turn to you to assist me validate this debt collector and any legal obligations I have to this account. 
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Debt Validation Letter North American Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Product: Credit reporting or other personal consumer reports

Dear credit bureau, I was reviewing my credit report and found inaccuracies on my credit report. The creditor, XXXXXXXX XXXX, was required to send me specific paperwork within a certain period of time regarding where it was sold and the balance of the alleged account. The alleged debt dollar amount and late payments appear to be inaccurate. I didn't receive the paperwork and the account needs to be removed as laws have been broken. How did your credit Bureau verify this account and what information do you have to send me proof of proper investigation? I want itemized receipts about the account as well. If you do not have this documentation and can not provide it within the next 30 days, i demand the account listed below be deleted immediately for violating my FCRA rights. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an unauthorized hard inquire on my credit report that Id like to remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

*THIS IS NOT MY ACCOUNT *I DID NOT AUTHORIZE ANYONE TO USE MY NAME TO OPEN THIS ACCOUNT I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXX, Fl. ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all 3 credit bureaus and the company itself. I spoke to XXXX  and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a 609 letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Debt or credit management

I made a payment to my car insurance using the third party billing company, Doxo. The charge went through as a regular purchase with a delivery fee of {$13.00} imposed by Doxo. 
When I looked at my credit card account online ( XXXX ), I discovered the charge had been processed as a cash advance with a fee and approximately 21 % interest accruing daily. 
I immediately called XXXX who said it was the XXXX code that Doxo uses ( 6051 ) which shows the merchant is a mortgage company/non-financial institution/travelers checks.

When I called Doxo, they said that they had processed the transaction correctly, and could not help me. 
So here I am, a consumer stuck in the middle, with no assistance in resolving my issue. 
I have made several attempts to escalate my concern at both XXXX and Doxo. I have been denied the right to speak to a supervisor on several of my calls to both Doxo and XXXX. I have never been able to speak to someone who speaks English as a first language. Apparently, these people no longer exist. 
I am completely frustrated with the lack of professionalism by both companies. I finally got to someone who said he was a supervisor at XXXX, and he disconnected the call. 
Please look into the practices of both of these companies. 
I also would like to note that I fell into Doxo 's trap of making this payment thinking I was going directly through XXXX XXXX. When I googled " pay XXXX XXXX '', Doxo 's link came up as the number one search match. So I made the mistake of following the link. I will never make this mistake again! 
I have included a screenshot of the transaction as it appears on my online Citicard account, and a copy of the email I received from Doxo explaining that the problem allegedly rests with XXXX. 

XXXX XXXX XXXX XXXX XXXX Thank you for investigating my case.
Product: Credit reporting or other personal consumer reports

Held : the XXXX Judge erred in refusing petitioner 's demand for a trial by jury of the factual issues related to the question whether there had been a breach of contract or a trademark infringement, and the Court of Appeals should have corrected that error by granting the petition for mandamus. Pp. 369 U. S. 470-480.

Dairy Queen , Inc. v. Wood, 369 U.S. 469 ( 1962 ) We have considered all of defendants ' arguments in support of the dismissal and have found them to be without merit. The judgment of the district court is vacated, and the matter is remanded for further proceedings not inconsistent with this opinion.

Costs are awarded to plaintiff against those defendants who have been served.

Simmons v. Abruzzo, 49 F.3d 83, 88 ( 2d Cir. 1995 ) Rule 46. Objecting to a Ruling or Order Primary tabs A formal exception to a ruling or order is unnecessary. When the ruling or order is requested or made, a party need only state the action that it wants the court to take or objects to, along with the grounds for the request or objection. Failing to object does not prejudice a party who had no opportunity to do so when the ruling or order was made.
Product: Money transfer, virtual currency, or money service

Tried XXXX XXXX, would work. Tried money gram. They require uploading a picture of the state ID. What does one do without a camera? 

It's galling Moneygram collects all this personal information, including credit card CCV and date of birth, and doesn't tell us that the process is for nought, other than getting personal information. 
At the very least, at the onset Moneygram should let all know what the requirements are, before requiring personal information. I also don't have a phone, so what does one do? 

Date : XX/XX/2018 Authorization # : XXXX ( used for tracking only )
Product: Checking or savings account

> Im writing in an effort to both request help on a personal banking matter and to highlight an area of concern in Wells Fargo 's operational procedures. 
> > On Thursday ( XX/XX/XXXX ), I deposited a check in your XXXX, Kansas Wells Fargo branch and was told a portion of the funds would be available the next day, XX/XX/XXXX, and the balance of funds would be available on Tuesday, XX/XX/XXXX. The teller was very helpful and very clear on the hold amounts and durations- going as far as circling the printed receipt that outlined the portion of funds available each of the days. 
> > On Friday morning ( XX/XX/XXXX ), I was able to go online and confirm the teller was correct and make a few transfers between various Wells business accounts. No problems. Then at XXXX that afternoon, the portion of funds that were showing available were reversed out, reflecting a negative amount in my account, AND the funds showing not available until XX/XX/XXXX. 
> > As a customer with XXXX for 25+ years now, I understand the need for holds and to be cautious on my side in moving/spending funds before they fully clear. In this case however, Im confused on why it was ever outlined that a portion of funds would be available and that they were reversed out at the end of the day. It's also important to note the source of funds. The check was from XXXX, who is also a Wells Fargo banking business ( the check reflect Wells Fargo on the front- see attached ). My understanding is source of funds are considered when deposits are made so holds are inline with the risk????? ( btw, last earnings call from XXXX stated that had $ XXXX in free cash flow ). Just as important, there is a history of XXXX checks depositing in to my accounts and Ive been fine on the holds because the hold period was accurately disclosed. Why would Wells Fargo not be able to access one of their accounts to confirm availability of funds? Are they holding money to gain interest at the consumers expense? Why wouldnt they simply state a longer hold period upfront versus mistate availability of funds? 
> >
Product: Debt collection

have been called for XXXX different numbers regarding a pay day loan from XXXX XXXX XXXX stating that i will be served court paper work for an amount owed of {$150.00} and it must be paid or legal action will occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud committed against me and reported it to XXXX, Chase and XXXX card in XX/XX/XXXX after I had found out about it. I reported it to the local police department and they are going to arrest the person that did it as we know who it was. I have called these companies several times since XX/XX/XXXX explaining what has happened and yet the still do not correct my credit reports. I filed disputes with XXXX and the results are stating that the credit card companies say they reported correctly to the bureaus. I have a police report and have given them everything they have asked for to no avail. please help me get this corrected as I have already spent hundreds of hours on this whole fraud case to clear my good name.
Product: Money transfer, virtual currency, or money service

I 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 proce 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 23 have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX has contacted me several times since I sent them a letter in response for their request for payment. I spoke to XXXX from Client Services when he called on XX/XX/year> at XXXX XXXX XXXXXXXX asked me how I would like to handle the account and if I wanted to make a payment. I told him I sent a request for documents ( return receipt ) because I disputed the bill they sent me. He started reading the letter I sent him and said he is assigned the debt from the original creditor and asked if I remember my last payment. I told him I couldn't discuss until I received the requested information. He told me that a letter was sent out yesterday. He insisted that I have to take care of it and that collection efforts will continue. XXXX from client services has made me feel extremely XXXX  and XXXX  and I could not sleep being fearful that he will continue to call and harass me before I had a chance to examine the documents that I have a right to. Under the FDCPA, I have a right to dispute the debt until it is verified, and at that point, all collection efforts must cease. Although he viewed my letter and stated one was being sent to me, he still proceeded with collection efforts. He has violated my rights under the FDCPA. Not sure if I can attach a voice file. I will try.
Product: Checking or savings account

Accounts have been restricted pending closure for an unexplained reason. Citi is holding my money with no way for my to access for 30-60 days.
Product: Credit card

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by XXXX XXXX XXXX, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : TransUnion Consumer Relations File, charged off amount is {$1000.00} and closed as of XX/XX/scrub>XXXX 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Debt collection

On XX/XX/2021 I received a letter a of debt validation in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. The letter which was sent in the mail to me shows a " Statement '' of an account. It does not show an original contract with my original signature. This debt does NOT belong to me. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

When I looked in my credit report, I was confused to see multiple months that are inaccurate that I was on time for. I always look to make timely payments, these are clearly not 100 % accurate. I demand that the payment status are removed and updated to on time for the months that are clearly inaccurate : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX