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

On XX/XX/2022 I used a XXXX XXXX XXXX ATM located on XXXX XXXX in XXXX Ma. I attempted to withdraw {$200.00} from my Cashapp account. The ATM did not dispense the money but instead a receipt stating the ATM encountered an error and the transaction had been reversed on their end. Upon checking my cashapp account the funds were debited from the account in the amount of {$200.00}. I reached out to both companies and XXXX XXXX XXXX was extremely helpful even having an ATM technician call me on the following Saturday. Since the account itself was not a cashapp and the transaction was already reversed on their end there wasn't much they could do beyond that. Cashapp on the other hand, did not even have a customer service phone number and only offer support through a chat service. The chat service was frustrating to say the least. It was hard to determine if I was speaking to a robot or staff that really didn't care about my situation. At the end of our conversation I was told a ticket for the transaction had been submitted and escalated. I was told it could take up to XXXX calendar days to refund my money. I explained how XXXX dollars is a lot of money for a single mother of XXXX and waiting XXXX days to recover my funds was going to impact our livelihood. I asked why it would take so long when the transaction was already reversed by the ATM. Each time I got a generic automated reply asking if there was anything else I needed help with. With no other options I have waited the alloted XXXX days and have not been reimbursed or even contacted.
Product: Credit reporting or other personal consumer reports

This account was open was open without my consent, this is identify theft, and has been reported on my credit inaccurately. Please help me with removing from credit. 


XXXXXXXX XXXX XXXX XXXX missed payments Balance {$340.00} Closed Date Open : XX/XX/XXXX Closes XX/XX/XXXX past due XXXX
Product: Credit card or prepaid card

Capital One closed my account without notice. I have had the account for 20+ years with a perfect payment record. I found out it was closed when I tried to use my card. I called several times and nobody would say why the card was closed. All they would say is a letter will be sent. I finally received a letter some 25 days after the account was closed. The only thing the letter said was important information was missing from my account. So it took them 20 years to discover some information is missing. I have the same email, phone, and address for the past XXXX years. They claimed they tried to contact me. I checked my Capital one account online and there were no messages. I have all my mail scanned and there were no letters, I checked my email and there was nothing. I called again several times after the letter and again nobody would answer what this mysterious missing information was.
Product: Credit card or prepaid card

Was charged a " Credit protection '' fee for two years. Fee did not show on online statement only noticed when I printed off a statement to pay off. Was charged  XXXX  over  two  years and they rolled it into my 24 months interest free purchase. I now owe  XXXX  or my deferred interest gets charged.
Product: Checking or savings account

Chase Bank sent us an email advising that they would pay us up to {$900.00} for opening new accounts. Restrictions advertised included depositing at least {$15000.00} in savings and keeping that minimum for 90 days, at which time they would pay the bonus. There were also restrictions on the checking account. After we opened the accounts we were advised verbally by the branch manager that while Chase would deposit the {$900.00} in our accounts within 90 days, if we closed the accounts within 6 months they would take back the funds. There is no restriction I can find in their paperwork advising a requirement to keep the accounts open for six months. Furthermore, Chase has advised that they will report the payment to the IRS as interest when it is paid. So in addition to losing the {$900.00}, we will be out the tax on the {$900.00} in interest, none of which has been disclosed in their offer.
Product: Debt collection

I have a complaint on FORSTER & GARBUS LLP. 

FORSTER & GARBUS LLP on XX/XX/XXXX requested wage garnishment from my employer XXXX XXXX XXXXXXXX without sending me notice of garnishment ( attached proof ) which is violated Fair Debt Collection Practices Act 808. They stopped garnishment on XX/XX/XXXX after I have submitted complaint with you COMPLAINT ID : XXXX. 

According to the debt verification letter, court made a judgment decision on XX/XX/XXXX against me at the amount of {$40000.00}. 

FORSTER & GARBUS LLP is claiming a judgment balance : {$70000.00} which is according to provided documents are completely incorrect. 

I have tried to call the number listed in the title page and also given to me by my employer but no one is answering. 

I believe I should not be responsible for this debt due to if you look at verification of debt on page 23 under NOTE DISCLOSURE STATEMENT I have never received the check ( money ) from XXXX XXXX bank but it was given to my brother XXXX XXXX, who cashed out the money and sent to overseas. I have attached proof of wire transfer from foreign bank and NOTE DISCLOSURE STATEMENT is indicates that money has been given to him not to me. 

I see myself as a victim of fraud case and I should not be liable for this debt. I have attached all documents related to this case. I have noted every single document where to look. 

1. XXXX Mail - XXXX - After several attempts to call them sent this mail. 
2. XXXX XXXX XXXXf - Proof of money wire. It shows XXXX by original amount was XXXX. Looks like he kept XXXX. This can be verified by requesting XXXX Bank account statements for XXXX XXXX in XXXX 3. Wire Transfer XXXX - Official letter from my sister where she confirms that money has been wired to her from him 4. Letter to XXXX XXXX - I have requested XXXX to stop the garnishment due to it violated my rights but they have denied my request. 
5. XXXX Garnishment Withdrawal - XXXX - Letter of Garnishment Withdrawal 6. XXXX XXXX XXXXXXXX  - Letter of Income Garnishment 7. XXXX XXXX - On page 16 you can see my phone call log. First attempt no one responded but on second attempt was on hold for 13 mins then it was dropped by them.

8. Verification of Debt - XXXX - page 23 under NOTE DISCLOSURE STATEMENT it shows to whom the check written. also they are bringing up different amounts then what court is approved. 
9. XXXX - Payslip that shows the garnishment but amount is not correct due to they have garnished more. 

Again I was not aware of court hearing and I have never received any summons from them, also I have not received from FORSTER & GARBUS LLP notice of garnishment. 

I am willing to take this to the court against FORSTER & GARBUS LLP for breaking Fair Debt Collection Practices Act. 

I don't know how to deal with them due to they are not communicating with me. I want them at least to send an email to XXXX and stop breaking the law. 

Let me know if you have more questions. 


Best regards, XXXX XXXX
Product: Credit card or prepaid card

I paid my account off back in XX/XX/2022 and then received another bill for XX/XX/2022 of {$12.00}. I put in a dispute since I thought I paid off the account. The dispute was resolved after the XXXX due date which I ended up paying the {$12.00} charge. Then I received another bill for XXXX showing I had a late fee and more interest charges. They charged me while waiting to hear about the dispute. I have since put in 3 other disputes and talked to several specialists and supervisors. No one has been able to help me. My disputes keep getting turned down and my account keeps snowballing in fees. It started as {$12.00} and is now currently at {$37.00}. I just want my account paid off at a XXXX balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Credit card

XX/XX/year> XXXX residences charged {$12000.00}. After the services agreed upon were not fulfilled I submitted a dispute to Barclays, XXXX, XXXX, and XXXX explaining the dispute. All of these credit card companies ruled in my favor and removed the charges except for Barclays. Barclays department declined to support and instructed me to take it up with the merchant which I had already tried. After 6 months of discusses with the merchant, they refunded the {$12000.00} and Barclays is still trying to charge me interests and late fees even though I did what they asked me to do.
Product: Mortgage

My mortgage was in forbearance due to Covid 19. 
I've contacted the mortgage company several times to defer the owed payments per the Cares Act and allow me to restart my monthly payments. 
The mortgage company has not done so, and has informed me my forbearance period has ended and all payments are due.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX - To Whom It XXXX Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I XXXX follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Payday loan, title loan, personal loan, or advance loan

Called the Synchrony Bank on XX/XX/year> and spoke with XXXX concerning the discrepancy between my loan amount and the " new '' balance on my statement. Was told the fee is a standard fee and would not be waived. They provided no explanation of where or how I was previously notified of this " junk '' fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is paid twice a month to XXXX. They have been contacted repeatedly and refuse to report payments accurately. They respond that a depreciating balance is sufficient enough to reflect twice monthly payments. The account status is not delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally started disputing inaccurate items on my credit report on XX/XX/2020 with TransUnion, XXXX, and XXXX. I included documentation showing that I was affected by the XXXX  Data Breach & a victim of identity theft. When I did not hear back in 30 days, I sent another letter on XX/XX/2020 notifying them that they had failed to uphold my rights as a consumer. To date, I still have not received any correspondence regarding these accounts from the bureaus. It has been 6 months.
Product: Credit card or prepaid card

Just recently called Chase Bank to consolidate two credit cards. I asked for a credit line increase on one of my cards. I have a Chase freedom and a XXXX credit card. I asked to move my available credit limit from my XXXX card to my Chase freedom card. My credit was ran against me asking and caused an inquiry on my credit report
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXXccount [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Equifax, a security breach lasted from XXXX through XXXX. The hackers accessed peoples names, Social Security numbers, birth dates, addresses and, in some instances, drivers license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people. And they grabbed personal information of people in the XXXX and XXXX too. 

This is highly disturbing because the breach was not reported until XXXX. As an IT security professional, this is gross negligence as such a breach should have been immediately reported to government institutions for protection and support of consumer data. 

Equifax ' poor response gets even worse as the new PIN numbers they are generating use a TIMESTAMP which can easily be brute-forced by attackers. 

What 's more, the website www.equifaxsecurity2017.com/, which Equifax created to notify people of the breach, is highly problematic for a variety of reasons. It runs on a stock installation XXXX, a content management system that does n't provide the enterprise-grade security required for a site that asks people to provide their last name and all but three digits of their Social Security number. The XXXX certificate does n't perform proper revocation checks. Worse still, the domain name is n't registered to Equifax, and its format looks like precisely the kind of thing a criminal operation might use to steal people 's details. It 's no surprise that XXXX-owned XXXX XXXX was blocking access to the site and warning it was a suspected phishing threat. ( Update : The whois records were updated on Sunday and now show the domain is registered to Equifax. ) Another indications of sloppiness : a username for administering the site has been left in a page that was hosted here. Here 's what it looked like before it was taken down at about XXXX XXXX  California time : Enlarge That by itself would n't allow for unauthorized access, but it 's still something that should never have happened. 

Equifaxsecurity2017.com is a site setup by Equifax in response of the breach. 
In the hours immediately following the breach disclosure, the main Equifax website was displaying debug codes, which for security reasons, is something that should never happen on any production server, especially one that is a server or two away from so much sensitive data. A mistake this serious does little to instill confidence company engineers have hardened the site against future devastating attacks. 


On XX/XX/XXXX I was forced to institute a freeze on my Equifax, XXXX, and XXXX credit reports/accounts in order to protect my financial/credit assets. This took multiple hours to handle and had to pay {$10.00} in fees in order to protect my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently transferred my student loans from  XXXX  to  XXXX , since I qualify for the federal student loan forgiveness program due to my military service.  Two  months went by with me calling both service providers to ask who I send payment to, and neither had any idea. On  XXXX   XXXX   2017 , I received a letter from  XXXX  stating  XXXX  would contact me about when it was time to submit payment. My  credit score then   dropped over  XXXX  points. I received no notice, either via email, account inbox, phone call or regular mail. When my payment information populated on the  XXXX  website, I was able to make payment for the two months missed.
Product: Checking or savings account

I had fraud on my account with roughly 10 charges all for similar amounts. Ally never flagged the charges to see if it was me. I got paid on payday and I was paying my bills and got declined a bill payment just to login and see my account had all my money taken out - {$250.00} was in my account on payday. I then called ally immediately and they told me to call back when the transactions finalized. I called back and filed a claim for the transactions and I also paid {$15.00} for an expedited debit card replacement. Well a week later I still didnt get the card so I called to see where my card was and they told me they didnt send me a card because my account was negative and I needed to cover that negative amount before a new card is sent I then asked what was going on with my claims, they then told me that the claims werent found fraudulent regardless of what I told them. They had XXXX care or concern. So no my account is negative- {$260.00} and I plan to sue if this issue isnt resolved in the next couple weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries that were not made by me to XXXX and those were, XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I have disputed inquiries that were not made by me to XXXX and that one was, XXXX XXXX auto finance and nothing was deleted or investigated. 

I have settled credit card accounts that were agreed with deletion of accounts once payment was made and the creditors have not fulfilled their agreement. 
XXXX XXXX  XXXX XXXX accounts with XXXX and one account with XXXX and Equifax XXXX XXXXXXXX XXXX XXXX  account with XXXX XXXX XXXX account with XXXX
Product: Debt collection

Please see My attached With Prejudice as a Memorandum for the Record dated XX/XX/, including supporting evidence, involving third-party debt collector ( s ) or buyers operating unscrupulously to advance a fraudulent and frivolous debt collection action.
Product: Debt collection

I have notified the original creditor in writing that I'm on social security, which is my only source of income ; and that my icome is protected by law. My income can not be touched by any creditors. I continue to receive robo calls daily. In the morning afternoon and evening. the calls come in from the following area code XXXX with the following phone numbers XXXX   XXXX-XXXX,XXXX,XXXX,XXXX,XXXX. They also call me from area code XXXX from various phone numbers XXXX  XXXX-XXXX,XXXX,XXXX,XXXX and XXXX XXXX-XXXX. These calls keep commingin and changing every time I block their call. The phone will ring 3 times and then disconnects.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty.

1.Please provide a breakdown of fees including any collection costs and charges, 2. a copy of my signature with the provider of service to release my informationto you and 3 3.Cease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency My correct name is XXXX XXXX, please delete these variations of my name : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, I currently live at : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, these other addresses I have never lived at or may belong to a relative and should be deleted : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXXXX/XX/XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My telephone number is ( XXXX ) XXXX and I have never had any of these numbers listed : ( 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 The following accounts need to be deleted/removed : XX/XX/XXXXXX/XX/XXXX