23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/XXXX, Wells Fargo put a hold on my account. No efforts were attempted to reach me. On XX/XX/XXXX, I visited a Wells Fargo branch and I was told that an executive business decision was made to close all my accounts. No explanation was given beyond suspicion of fraud. Interestingly, the same thing happened to my sister on Friday. Now Wells Fargo intends to hold my funds until the end of the month and I have no cash on hand to tide me till then. When I was told that my account was under investigation for fraud, I told them to bring in the cops and lay the evidence on the table and I will also provide evidence to clear my name but they did not respond to that. Wells Fargo has the right to decline to do business with me, just like I have the right to decline to do business with them but they have no right to hold on to my funds until the end of the month. In the judicial system, it is innocent until proven guilty and not the other way around. My rights are being violated and I believe I am being discriminated against because my last name indicates a different heritage other than U.S. 
If Wells Fargo believes that I am involved in fraudulent activities, I demand that they provide the evidence and If no evidence is found, I demand that I be compensated for emotional distress and violation of my rights. They can not benefit from doing business with my held funds and making money off it for the next 11 days. Also, they do not have the right to violate anybody 's rights just because they can. They are not the police, judge or jury. This is bad business practice and should be illegal. If any illegal activity is suspected, involve the law but do not damage an innocent person 's image in the process. 

Consequently, closing my account due to suspected but not proven illegal activities will have a negative effect on my credit report. This is America and this is a violation of my rights. We are not in a dictatorship. I invite Wells Fargo to submit their evidence and I look forward to clearing my name.
Product: Student loan

Edfinancial Loan provider needs to be looked into. People are requesting refunds for payments made during the covid lockdown, including myself, which we are entitled to. 
These refunds are taking up to XXXX days with no email or paper trail confirmation. Many people are getting their refunds much faster with other loan providers, but Edfinancial services is completely unacceptable. We need to get these refunds processed before the end of the year and our money back into our accounts. Please if anyone is reading this I'm sure there are other complaints about Edfinancial services. HELP US PLEASE
Product: Debt collection

After applying for a loan, my credit was ran and to my surprise there was a collection reporting from a XXXX XXXX  that I had no clue of. The credit bureau has been reporting this under my social security number. Thy are reporting inaccurate and incomplete information. I send them a certified letter in the mail with tracking number XXXX XXXX XXXX XXXX XXXX demanding a validation of this medical account as I have already contacted the medical facility and of course they cant provide the statement at the time. Since they could not provide an itemized statement for the services, they clearly are in violation of the FCRA and FDCPA. With that being said I demanded that the credit bureau complete the investigation of the allegedly medical collection and remove it because the provider can not validate the information being reported on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX has failed to meet its legal responsibilities under the Fair Credit Reporting Act ( FCRA ) by not conducting a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against XXXX, citing systemic issues such as failing to forward evidence provided by consumers to furnishers, accepting unreliable responses, and neglecting to properly notify consumers about dispute outcomes. These failures mirror my own experience, as XXXX has neither corrected nor removed the disputed information from my credit report. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the courts in North Carolina and the law offices where the bankruptcy was started and they stated that this should not have been reported due to me never going thru with the bankruptcy. There is also an accident that is reported and I have had to call XXXX and have them to verify in writing that I was never in an accident. LexisNexis is reporting these things on my credit report and it is inaccurate. It has caused me to have a higher insurance rate. The bankruptcy has caused me not to be hired at a job.
Product: Credit card

The company is current bank. I was double charged on XX/XX/XXXX. I disputed the charge with my bank. They denied the dispute. I reached out to the company where I was double charged and they stated it was an error but they can not refund me due to the double transaction not showing up. They stated to file a dispute with my bank and they would accept it. My bank denied the dispute and my dispute appeal. I provided proof of the merchant stating I was wrongfully double charged and that I would receive a refund once my bank put it through. My bank stated I could not get a refund due to my dispute reasoning. I put the wrong dispute reason, and now they wont refund me although the merchant stated the charge back was wrong.
Product: Money transfer, virtual currency, or money service

Hi, I believe I am a victim of fraud or hackers because someone linked their card with XXXX XXXX XXXX ending in XXXX to my cashapp account and cash out XXXX. Cashapp keep denying my request after I tell them I had no knowledge of the transaction at all. I never received an email until the card was unlinked and my money was gone. All cashapp refunded was the transaction fee of XXXX us dollars but they allowed an unknown card to link to my account and cashout. I have tried to ask for the person name but they wont give me a direct answer they just keep denying my response. I use cashapp as my primary bank at the moment so all my money is currently gone. I have no money to eat, pay bills or anything and cashapp wont help me with a throughout investigation.
Product: Credit card

XX/XX/XXXX as the account holder ( account ending in XXXX ) of XXXX XXXX XXXX Credit Card trough Comenity Capital Bank I signed documents for a XXXX XXXX  of my son XXXX XXXX XXXX ( patient ) to be performed by XXXX XXXX XXXX XXXX XXXX in accordance with the Active Treatment Plan ( XXXX ). According to this plan the bank would have released {$10.00}, XXXX to XXXX XXXX. ( See the attached file named XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX received an XXXX by XXXX XXXX ( identified as Visit XXXX and Visit XXXX on the active treatment plan ) in the amount of {$410.00}. There were no other treatments or visits to XXXX XXXX since my son ( patient ) cancelled all further treatments within the time limit of 72 hours specified in the Active Treatment Plan ( 1 ). Consequently, due to his cancelation, a tread was made to him by XXXX XXXX that there may be some additional ( undefined ) charges applied to him besides the charges for the XXXXXX/XX/XXXX submitted first dispute in relation to the tread. ( See the attached file named : XXXX XXXX XXXX XXXX  XX/XX/XXXX my son ( patient ) received an unusual ( no correlation with signed documents for his XXXX XXXX XXXX invoice from XXXX XXXX dated XX/XX/XXXX ( 3 months later than was the initial and the only service he received on XX/XX/XXXX ) showing the name of items charged being XXXX XXXX  for XXXX XXXX  at {$370.00} each. The invoice must have been submitted to Comenity as well since they adjusted my account balance correspondingly. ( See the attached file named : Certified Letter Sent to Comenity for All Occurred Events and Related Matters. ) XXXX to XX/XX/XXXX my responses on Comenity website disputing all charges except {$410.00} for the only service received by my son ( patient ) from XXXX XXXX on XX/XX/XXXX. ( Documents are available, however could not have been attached due to limitation of file capacity. ) XX/XX/XXXX continue disputing all charges except {$410.00} in respect to {$10.00} submitted by Comenity to XXXX XXXX. ( See the certified letter from XXXX XXXX XXXX ( patient ) to Comenity found in the attached file named XXXX XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX to XX/XX/XXXX continue disputing all charges except {$410.00} in respect to {$10.00} submitted by Comenity to XXXX XXXX. ( See the certified letters dated XX/XX/XXXX and XX/XX/XXXX sent to Comenity that are found in the attached file named : Certified Letters Sent to Comenity. ) XX/XX/XXXX to XX/XX/XXXX refusal by Comenity to recognize and accept the facts provided by us that there could not have been any additional service rendered by my son ( patient ) besides the XXXX in the amount of {$410.00} on XX/XX/XXXX. Logical and factual : THERE WERE NO IMPLATS RECEIVED OR INSTALLED IN MY SON MOUTH AND THEREFORE ITEMS NAMED SURGICAL STENTS COULD NOT HAVE BEEN USED/PROVIDED. ALSO, THERE ARE NO SURGICAL STENTS SPECIFIED IN THE ACTIVE TREATMENT PLAN ( 1 ). THEREFOR, THE SURGICAL STENTS IS A COMPLETE FABRICATION BY XXXX XXXX PROBABLY DUE TO MY SONS CANCELLATION OF A FURTHER TRETMENT. As for Comenity Bank, it is hard to know and to understand what the problem is with their personnel.
Product: Checking or savings account

On XXXX XX/XX/2022 I initiated an ACH transfer from my Citizens bank account which was swiftly blocked by the company. I called in and they unlocked it after 40 minutes on hold. 

On XXXX  XX/XX/2022. This transfer was blocked a second time and my online access to my account was also blocked. I called them and they hung up after being on hold for 40 minutes. I called again and requested a call back which was answered again 1 hour later. Then they transferred me to technical support which hung up on me after 40 minutes of hold. 

I am not able to use this account at all right now. 

In late XXXX I opened this account with consideration of the {$400.00} new user bonus. I have fulfilled all requirements of this bonus and was trying to move over to it as my primary account. If citizens decides to close my account for no reason after I have tried my best to achieve this bonus, I would like the {$400.00} bonus along with my {$600.00} account balance in a check mailed to my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these accounts reported on my Credit File which are completely unknown to me. Upon further research, I came to a conclusion that these accounts were the result of an Identity Theft. I don't know how the theft took place neither did I received any benefits resulting from the theft of my Identity. I am now submitting this complaint to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an Id Theft Report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX  XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$120.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$250.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$340.00} Date Opened : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX. I have read that according to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I appreciate your efforts to correct some of the inaccurate information previously reported on my credit file. However, I am currently unsatisfied that your examination fully complies with the Fair Credit Reporting Act 's guidelines. I believe that further action is required on the remaining accounts to ensure maximum possible accuracy on my credit file. Therefore, I request a reinvestigation of the following accounts : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$8100.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$2100.00}. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Credit card

previous Case number : XXXX I would like to re-address this complain because the law firm XXXX has tried the same con again this year after we discussed in details a year ago regarding my monthly payment for XXXX XXXX as according the settlement. When this was first address when they did not want to honor the settlement, then they said they would and tried create a situation where I defaulted on my payments intentionally which is false from the time of the settlement I honor the agreement and made all payments. I received a default letter from the Civil Court of XXXX on Friday XXXX XXXX, 2017 advising I would be in default if a payment was not received in 10 days. This was first and only contact I received from XXXX regarding my payment. I never received a letter stating I need to setup a new payment schedule prior to the letter from the court. I was advised their system can not setup payment for over 12 month no explains was given is this my fault? I wanted to setup monthly payment for the remaining settlement because XXXX have tried in the past to change the rules and the settlement in attempt to used scare tactic against me. This default letter is prime example of the tactic they use to not honor the settlement from the courts. I contact them on XXXX/XXXX/2017 explaining the situation and they did not want to address it, however I agree to setup new payments. When speaking to several of their representative they all did not see the settlement amount XXXX in their system and was not sure why and was also confused. They only see the original amount of the debit from discover. The amount owes as of date from the settlement is XXXX XXXX. On XXXX/XXXX/2017 I paid a payment over the phone electronically for XXXX XXXX confirmation number is XXXX, and setup payments for XXXX for the next 11 months which would finalized the settlement amount. However the representative told me to contact XXXX to check on this because they do not see the settlement amount it the system, but they have statement previously they would honor. I do not trust this company and they have many complaint filed against, and have lied and misinformation me on several occasions not sure why they are able to continue to operation as a legitimate organization. I am contact New York District attorney and filing a complaint with BBB and contact XXXX for misrepresentation and other issues on this matter. I tried my best to work with XXXX in a professional manner and I feel I have not received the same treatment something needs to be done to protect other from this kind of treatment. I am also consulting with New York lawyer to see what or in any thing be done to protect me and family from them I fear there will try and damage my family going forward.
Product: Debt collection

Miller Stark Klein and Associates is claiming I have past due credit card debt with XXXX, They claim if I do n't resolve it, I am being sued for wire fraud. They left me several messages. Two of the messages that were left on XXXX and XXXX of this year claim that if I do n't resolve this debt, I would be sued for wire fraud. 

I spoke to XXXX from Miller Stark Klein and Associates on XXXX, XXXX of this year. He stated they were trying to contact me about an alleged past due credit card debt with XXXX. He said he could settle the debt that day for {$900.00} and the balance owed was {$1500.00}. He also said if I did n't make a payment arrangement with them, the balance owed would be {$6900.00} with interest and court costs. 

I then asked XXXX if he was a law firm. He said, no we 're litigators. He said if I did n't pay, I would be taken to court. I then asked him what attorney was handling this case. He claimed he had a whole network of attorneys that they worked with, but could not provide me with a name. He also claimed I was being sued for wire fraud. 

I do not believe this company has the authority to take me to court, and I do not believe past due credit card debt can be considered wire fraud. The statute of limitations for credit card debt in Arizona is six years. They are claiming the debt was charged off in 2008, therefore this debt is time-barred. I believe this company is a fraud. To my knowledge, this company making legal threats that they have no intention of carrying out is illegal. It is not standard practice for an attorney, or anybody that is in the debt collection business to claim I am being sued for wire fraud over credit card debt. I also do not believe this company works with any attorney whatsoever, and I severely doubt they have the authority to even collect these debts. Please investigate this company. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved a copy of my credit report and noticed inaccurate information on my report. EQUIFAX is reporting an duplicate account which also have inaccuracies and this is hurting my credit rating. Account XXXX in derogatory status with a balance reported XXXX and account number XXXX a open status with a reported balance of XXXX. How can this account be reported twice on my account as opened & derogatory? On XXXX XXXX  I mailed a letter requesting EQUIFAX to investigate these accounts and inaccuracies and their response was that the accounts were accurate and verified. On XX/XX/2022 I also requested the furnisher XXXX XXXX XXXX  to provide me with proof of debt, evidence to collect this debt and account history including collection activity. It has been over 30 days and I haven't gotten a response. On XX/XX/2022 I requested EQUIFAX to provide me with proof of debt and to reinvestigate and on XX/XX/2022 they responded that the debt was verified again and didn't provide any proof. EQUIFAX is in violation of SECTION 15 U.S. CODE 1681I ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFOMATION. ALSO PURSUANT 15U.S.1681B ( A ) ( 2 ) FALIURE TO FUNRISH INFORMATION IN ACCORDING WITH WRITTEN INSTRUCTION TO WHOM IT RELATE. EQUIFAX IS ALSO IN VIOLATION TO SECTION 623 FOR DEFAMATION, WILLFUL INJURY. THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORT!!!!
Product: Mortgage

SEE CFPB COMPLAINT :  XXXX . Once again, Bank of America,  XXXX ,  XXXX , etc are contriving false information. They ignore the real complaint filed and are attempting to reply to another property while ignoring MANDATORY responses.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to formally address your recent response regarding my request to block items from my credit report due to identity theft. I am extremely dissatisfied with the continued delays and your unwarranted demands for additional documentation despite my prior submission of the FTC identity theft report.

As previously communicated, I have provided all necessary documentation, including the FTC identity theft report, in full compliance with the **Fair Credit Reporting Act ( FCRA ) Section 605B**, which mandates that consumer reporting agencies block information related to identity theft upon receipt of a valid identity theft report. The law is clear : once the identity theft report is submitted, you are required to block the fraudulent items within **4 business days**. Your continued request for additional documentation, particularly from law enforcement, is both unnecessary and a violation of this legal requirement.

Under **FCRA Section 1681i**, you are required to complete your investigation of my dispute within **30 days**, and you are expected to process my request within the **4-day** period specified in Section 605B when identity theft is involved. Your failure to adhere to this timeline is a direct violation of federal regulations, and your ongoing inaction is unacceptable.

Additionally, your request for further documents beyond what I have already provided contradicts the **Identity Theft Enforcement and Restitution Act of XXXX, which emphasizes that credit reporting agencies must act swiftly to resolve identity theft issues and protect consumers from financial harm. It is clear that Experian is not complying with these protections. 

If this matter is not resolved within **4 business days**, I will have no choice but to escalate this issue to the appropriate regulatory authorities, including the **Consumer Financial Protection Bureau ( CFPB ) **, the **Federal Trade Commission ( FTC ) **, and the **Attorney Generals office**. I will also consider legal action for the harm caused by this continued delay.

Please be advised that I expect immediate action to block the fraudulent items from my credit report. If this issue is not addressed within the stipulated time frame, I will take further action as described above. 

I trust you will act promptly and confirm receipt of this email and the immediate processing of my request.