23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This office has obtained a retail installment contract and disclosure statement under the terms of a company that is closed, Aldous and associates is attempting to collect a debt in the state of Louisiana whereas it is required to obtain a license to collect a debt in this state, any individual collector at an attorney office that is not licensed in the state of Louisiana is required to be registered under this law. I have not consented nor have I done business with this company legally. This company has not not provided an official affidavit of debt, proof of ownership also known as the chain of custody, nor the full accounting records public and private in accordance to GAAP ( General accepted accounting principles ). In order for a contract to be enforceable provide the key elements of a contract law including full disclosure with Aldous and Associates, equal consideration, lawful terms and conditions along with the signature of both parties, please be advised an authorized representative does not make the contract enforceable. I do not validate this debt. This attorney office is only licensed in Arizona, California, Connecticut, Idaho, Maryland, Massachusetts, and Nevada.
Product: Credit reporting or other personal consumer reports

In regard to credit monitoring services via XXXX, A data breach was initiated. This caused inaccuracies to appear on my report creating a financial hardship regarding any credit services. 

XX/XX/2023 I filed a claimed, in regard to the breach.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, PARENT COMPANY, and Subsidiaries ( XXXX XXXX XXXX XXXX ) are trying to collect on an alleged debt despite creating consumer account for securitizing consumers RETAIL INSTALLMENT AGREEMENT WHICH UNDER 16 CFR 433.1 IS INDEED AN CREDIT SALE AS CONSUMERS SOCIAL SECURITY NUMBER WAS USED IN SAID TRANSACTION. Also, According to the IRS, a charge-off is a type of certificate of indebtedness, which means it is treated as income and can be removed from records. I have aslo sent a disput letter XXXX with the FTC report and Affidavit to XXXX  XXXX, according to FCRA 605B XXXX XXXX had 4 business days after receipt to cease reporting of any information identified in the subject identity theft report as resulting from identity theft. Which, XXXX XXXX has failed yo comply. I have submitted a 1099C, 1099 OID, and 1099 B to the IRS since XXXX XXXX has not provided me with copies of the mentioned forms. FTC fraud report ( XXXX ) was filed on behalf of the consumer. Consumer requests XXXX XXXX provide me with copies of my 1099C, 1099 OID, and 1099 B. I am also requesting that XXXX  XXXX Provide a CERTFIED copy by their CPA of their GAAP accounting records. I have also filed forms XXXX and XXXX treasury XXXX to audit consumers ' accounts. TransUnion, XXXX, and XXXX has a duty to report inaccurate information that they have failed to uphold. XXXX XXXX, TransUnion, XXXX, and XXXX have caused me financial and emotional distress from their unjust practices. I would like all reporting to Cease and Desist : to immediately stop all collection efforts and information sharing related to this account. I would then like the status of Account # XXXX to reflect closed by consumer and marked as paid as agreed. Symbol : XXXX XXXX XXXX XXXX : XXXX ISIN : XXXX
Product: Checking or savings account

Truist is refusing to close my account and let me withdraw my funds from my checking and savings account.
Product: Checking or savings account

I ordered new checks from the Bank of America. I paid {$48.00}, including {$13.00} shipping. 

Today I received only 39 checks or {$1.00} PER CHECK! 

This is beyond outrageous! 

Yet the Bank of America refuses to do anything about it at this point! 

Yet again more problems : Earlier today the Bank of America at my demand under the law reversed 3 {$35.00} overdraft fees when yet for the umpteenth time I pointed out that I HAVE OVERDRAFT PRECTION! 

I am talking about total and complete incompetence at the BAC! 

And nothing is being done about it in my case!
Product: Checking or savings account

I used a XXXX machine at work via XXXX XXXX XXXX and it made multiple charges to my card and declined, even when I had the funds available and I believe it was fraud. I made several attempts to contact the security team and resolve the issue and they refused to disclose any information or give me a time when I could access my funds.
Product: Credit reporting or other personal consumer reports

I have attempted to contact " Cybercollect '' many times. I have called the number provided and get a message that the number is not set up to receive calls. I have written them a letter and haven't heard anything back. I have disputed the account on my credit report and it continues to be validated as accurate. The amount owed has changed and is now incorrect.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e 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.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$920.00} XXXX XXXX XXXX {$570.00} XXXX XXXX {$480.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX XXXX XXXX {$35.00} XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX closed a credit card for lack of use, No Foul. then sent a derogatory report to XXXX credit co. I asked the XXXX XXXX why they did this, they could not give me an answer. soon after this my credit score plenished. my american express account was lowered from XXXX XXXX to XXXX XXXX. My XXXX XXXX account was suspended. I wish to file a complaint on both companies. would you provide the name of a good lawyer to look into this?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2020 there is a unauthorized inquiry from XXXX Bank on my Equifax credit report.
Product: Debt collection

There is a collection showing on my credit from Rent Recovery Solutions LLC. 
The address listed on each report is XXXX XXXX XXXX, XXXX XXXX, XXXX GA XXXX. I disputed this directly with the bureaus before on account of having never received proof / verifiable information as to why the debt as owed in the first place. 

I have attempted to contact this collector several times in writing to no avail. At first I thought they were refusing delivery because my letters were not certified, but upon sending a certified letter and having that returned as well, I realized the collector just isn't reporting accurate information to my reports, in direct violation of the FCRA. 

I want the account removed from my reports since it's proven unduly burdensome to contact the collector.
Product: Money transfer, virtual currency, or money service

I was on the private XXXX page of people who sell tickets. This guy called XXXX XXXX showed up offering the ticket I was looking for. He asked me for a deposit and I transferred the amount of {$50.00} to him, he asked me for my full name to transfer the ticket. He appeared to be a normal person on XXXX, as he has a photo with his wife and son. After transferring the deposit through zelle, he blocked me and did not transfer the ticket to me. I called my bank to let them know and they said they can't do anything. I have prints of the conversations. I already filed a report on the FBI website. The bank can find out who this person is, because they can get his information through zelle. This person can be dangerous, because he is using pictures of a woman and a child.
Product: Checking or savings account

Hello, i opened an account with citibank about a month and a half ago. Everything was fine and all and i was using my account accordingly then all of a sudden my account was frozen and my online access was blocked due to unusual activity according to citibank. I right away called and they had me go over some verification steps which i did and still nothing. The last step they told me in order to verify my identity was they would send me a letter via the mail with a reference number so that when i receive it i call and give them that reference number and my identity will be verified and my account unrestricted. That letter was supposed to be sent 2 weeks ago and have called back twice and been told it will be mailed and nothing has been delivered to me. Idk what to do anymore. The last rep said he doesnt see why my account hasnt been unblocked yet if ive pretty much verified all my info already. They are holding up my rent money for no reason. Please help!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX  XXXX  appeared on my TransUnion credit report. 

XXXX XXXX account shouldn't be on my TransUnion credit report. 

XXXX XXXX XXXX account shouldn't be on my TransUnion credit report. 

XXXX XXXX XXXX  XXXX account shouldn't be on my TransUnion credit report.
Product: Credit card

Filed a dispute with TD for a XXXX charge from XXXX. Their dispute department is not reachable by phone, online, or by email, only mail and fax. Initial information take by phone, but then a fax sent the same day for documentation of issue. For no explainable reason by TD, they took XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) on behalf of XXXX for XXXX random recent refunds in the amounts of XXXX and XXXX on XX/XX/year>, despite never even receiving a credit for the disputed amount. Despite several calls and secure messages no one can explain the rebills, and they can not access the disputes department to resolve this- they are linking it to the initial dispute, and saying it can take up to 90 days. They essentially stole this money and are doing nothing to resolve this issue.
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 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 redrest : ( 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 redres : for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to Equifax and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.
Product: Checking or savings account

I contacted Wells Fargo on XX/XX/2023 to report that two transactions I had made on XX/XX/XXXX turned out to be fraudulent. I provided the person I spoke with when I called the details of the claim ; that I had made a purchase that was supposed to be fulfilled within a certain timeframe and it wasn't. Therefore I contacted the sellers customer support through their website and their email, and I didn't get a response for either. There was no sign of tracking or shipping updates, and after further research online, other people were experiencing this as well, so I figured out I had gotten scammed. I also mentioned that on the website, both orders say unfulfilled on their part. The amount of money for both transactions was, ( {$710.00} & {$390.00} ). The person I spoke with, informed me that the information I provided was sufficient to file the claim and get it investigated. I thanked him for his help and asked him if I should also file a police report or submit anything else. He said nothing else was needed for the claim to be processed. So I continued on with my business. Since I didn't receive my money until 6 days after, within those 6 days I was calling the Wells Fargo XXXX number three separate times trying to get a status update or anything but I was not able to reach them any of these times, after being on hold for around XXXX minutes each time. As I do every week, I also went in physically to the bank to make my weekly cash deposits, every time I asked the teller to provide me with a status on the case they told me there were no updates they could give me. Today, I received a letter from Wells Fargo claiming that they are going to charge my account for that money, since they could not get my " side of the story '' or evidence to finish their investigation.
Product: Checking or savings account

On Friday I had a check with a other financial institution I told the employee to cash in XXXX dollars which means the XXXX dollars I tired to have on the same day and XXXX dollar left on my account after 24 hours but the employee refused to cash the check and i told her specifically that my boss said I have funds available for you to have for mortgage but the bank teller still refused my statement she said in her own words " We can't go off what your boss said '' and I said may I speak with your manger at the branch and still could helped me we wasted time to go to the institution which was on the check and it should not been done while i was at the teller with XXXX in my checking account to pay mortgage and XXXX dollars by the next business day.
Product: Debt collection

I owed money on a car that I had to surrender due to loss of employment back in XXXX. I was told by Santander that it was charged off but the debt kept on getting added back to my credit report every year. I had to dispute it every year to get it removed, they added it back to my credit report this year ( XX/XX/XXXX ) as a brand new collection account with no reference to the XXXX Santander account. I called XXXX and spoke to a lady that agreed to send me an e-mail that links the original Santander account to the new collection account they posted, XXXX became aware we needed this to proceed with our home loan and hijacked the call. I asked XXXX XXXX ; who is the Vice Executive Presdident of Operations for XXXX XXXX XXXX, to send me an e-mail with a report stating that this was for the Santander XXXX account not a new account but he refused to because I needed this to prove to my lender that this was not a new account which XXXX  was trying to make it look like, and even lied to me saying that this is not linked to the XXXX Santander account and it was a new debt as of XXXX. Since the way they posted it to my credit it makes it look like it is a new collection account. He told me over the phone that he will not help us close on our new home ( sending me a debt verification e-mail ) unless we paid him {$4000.00}, otherwise he isn't going to send over anything to verify the debt with our lender. His name is XXXX XXXX with XXXX XXXX XXXX.
Product: Credit card or prepaid card

Account is locked and have talked to them ( Apple Card - Goldman Sachs on the phone. They say it will take up to 10 days to have it resolved? I need to make a payment on this card and cant because I cant even get into my account.
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$310.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX XXXX : {$2000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2000.00}, and XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX. Please delete.
Product: Mortgage

I applied for a Re-fi with LoanDepot.Com, LLC. The loan number is XXXX. I was told by the loan officer XXXX XXXX XXXX, that based on my credit score of XXXX and my income, I could only apply for {$160000.00}. I have a {$65000.00} equity loan with XXXX, payoff my credit card and closing cost leaving me with only {$84000.00}. My credit report shows no late payments from any reporting agency including XXXX XXXX. Besides, with XXXX I'm only a co-signer, therefore, when loandepot requested to payoff the lease on the vehicle, my son provided documents from XXXXXXXX XXXX that he makes those payment and that the XXXX wasn't registered or paid but I. Everything checked out after reviewing my credit and income. Mr. XXXX asked me to pay a fee of {$800.00} for the appraisal. I specifically told him, that my house will appraise for at least {$800000.00}, to tell me if there are any other issues since the loan it's only 20 % of the appraised value. He stated that once the appraisal comes in we can start closing, in fact, I was even provided with a closing statement. 
He sends the file to the underwriter and after a few weeks pass, he ask me to provide payments to XXXX XXXX. As I mentioned, the XXXX belongs to my son. He did provide all payments but since my son was out of work, XXXX waved 2 months due to the pandemic. These non-payments does not reflect on my credit but now they stating that since there are missing payments I will not be able to acquire the Re-fi I was supposedly guarantee.