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

I am a small business in the automotive repair industry. A customer inquired about services and asked if I accepted XXXX. As I was not sure, I logged into my business account and notice that my business account indicated in bold letter " Send Money with XXXX. Send and receive money securely - all you need is an email address or mobile number ''. Relying on this I provided the customer the mobile number and provided the services requested. The customer sent the money of which I received confirmation. I then tried to access the money on Saturday but did not see it in my account. I figured I wait until XXXX  the next business day. 

I called today and was transferred to the online banking department and was told that I would not be able to receive the funds because it was a business account and I needed to provide the account number to the customer to send the money. This is not possible as we do not collect the customer personal information, once we do the services we have no need for the customers information. 

I feel that I have been deceived by WellsFargo and their website/platform as there is no indication that I can not receive money to a business account or that the service depends on the customers bank. I relied on the notification on my business account that all I needed to provide the customer was an email or mobile number in order to receive the money. 

As of now they are indicating that there is nothing I can do. So I am out {$300.00} for the services that I provided. Not only I'm I not getting the {$300.00} for the services, I had to upfront $ XXXX in parts to be able to the the services, as the parts were installed in the customers vehicle. I have spoken to an online banker, then spoken to XXXX, a XXXX in the business department. I have also spoken to XXXX at the customer advocate group to place a complaint about this deceptive business practice, as it leads small business owners/bank customer that they can in fact receive money through XXXX without giving out the account number to every customer. 

I just want to be able to collect for the services that I provided and for which the customer has initiated payment and I have received confirmation that payment was sent.
Product: Debt collection

15 U.S code 1681c a consumer agency shall block the reporting of any information in the file of 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. It has been 30 business days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these immediately! These accounts should not be furnished on my consumer report as they are a violation! Under, 15 U.S code 1681b- Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency written consent to anything on consumer report which violates my right as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion on these accounts listed immediately.
Product: Mortgage

I requested a forbearance XX/XX/2024. They cancelled the request a month later and told me I would have to re-request it. I did so, they then denied the request and approved a short sale, which is not needed or requested since I have equity in the home. After communicating that a short sale was not needed ort useful at all, they said to appeal the decision with an additional letter explaining what I needed. I am in need of the temporary forbearance in order to correct my situation and move forward without defaulting. They have dragged it out for almost XXXX  months now and I have had to borrow money so that I could make payments and maintain good credit. Maintaining good credit is crucial to my plan to permanently fix my temporary financial hardship and make my payments on this mortgage. At this point it seems they are attempting to cause a default rather than help to work with me on a solution. Had they worked with me on my request, I would be well on my way to a permanent solution that would allow me to make payments on this mortgage for the duration of the loan. The loan rate is 3.625 %, and there is $ XXXX in equity in the home, it appears the owner of the debt XXXX have financial motivation to not work with me for a solution.
Product: Credit card or prepaid card

1 : 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation. Multiple requests have been made via 1- ( Customer Service Telephone call ) ; 2- ( Customer Service Telephone Number which gives this option ; 3-Certified, Notarized written request XXXX and XXXX sent to XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXX , SD XXXX received XX/XX/XXXX, and XX/XX/XXXX respectively. 12 CFR Part 1026.11 ( a ) ( 2 ) and ( 3 ) violation does not list any exceptions and specifically states : " 1026.11 Treatment of credit balances ; account termination. Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : Credit the amount of the credit balance to the consumer 's account ; Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; " I have complied with " within seven business days from receipt of a written request from the consumer '' and now am afraid of retaliation for asking for my due rights per this statute. Macy 's credit card customer service number has not really been any help with continued follow up requests : greater than 1 hour hold times ; no explanation is given except to write and ask for one ;  credit balance amount has multiple times been provided by customer service implying that this was an amount owed not a credit balance ; efforts to charge down the credit balances have been verbally granted multiple times but the card does not work even for small fast food meal purchase attempts. No calls have been received from Macy 's credit card except as a follow up on declined charges for identity verification and verification of attempted charge with the card still not working after the call. Additional payments to clear up supposed pending transactions have resulted in a larger credit balance and the pending transactions have dropped off because they were in fact not pending transactions but declined transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with Bank Of America from 2018, they decide to close my company account and my personal account ( checking both ) for two supposedly check fraudulent deposited in my account in the texas state, they sent me a letter informing me that the will report this to XXXX XXXX causing me a big damage over my person and company, because they said that we will not open a new account for 5 years, this situation was a scam over my company and me is not fair the behaviour of BANK OF AMERICA over my company and I when i was a victim, inclusive i was to the bank and they had a actitud over my person like i was a criminal
Product: Debt collection

Hello 1st. XXXX XXXX XXXX keeps mailing personal information of mine to old addresses that I know longer reside at. 
I have called national credit systems on many occasions to have them remove the old addresses and I have given them my current address and correct phone number and they still keep sending my private information to old addressed. I only know this because my XXXX ex husband resides at the address that national credit systems keeps sending my mail to. XXXX XXXX XXXX has also discussed debt details to my ex husband and this is absolutely not okay. 
2nd. The debt they are accusing me of has been settled with the original creditor. I have sent receipts as well as a copy of my bank statements to national credit systems where they still refuse to remove my debt because I did not pay them directly.
Product: Credit reporting or other personal consumer reports

Requested validation and verification of debt for two accounts and information was not provided. This information was requested in XXXX and XX/XX/XXXX and again in XX/XX/XXXX but was never received. 

Information that was requested : proof of debt, signed contract, insurance claim, chain of title, original creditor information and right to collect. 

Disputed with Experian and accounts remained on my reports without any validation or verification proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

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


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account one XXXX for years. It has been opened and closed fraudulently. I sent in a few affidavits to XXXX  and they dont do anything about it. They just say American Express claims this account is valid but they dont send any documents or proof that this account does belong to me. I spoke with American Express and they really dont have the best customer service I called and they were ready to do an investigation with the account that popped up and I didnt even give her any of my information yet. It took about 3-4 times for her to understand I was calling on an account that was listed on my credit. I then asked if this account is verified why havent I receive any documents or proof? The information she provided to me ie : address email etc didnt belong to me and never belonged to me. I have given them my new information for the investigation and now Im worried theyre going to try to change the information just to say the account belongs to me. Mind you they have been removed from my other credit bureaus XXXX is the only one saying theyre saying this acct is valid
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I called TransUnion and asked what was the update on removing XXXX XXXX XXXXXXXX reference number XXXX for my consumer file. I was told by XXXX that I was being denied the information. 

Congress makes the following findings : ( 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. 

If the banking system is depended upon fair and accurate credit reporting, what's fair about XXXX from TransUnion telling me that he can not provide the information of the third vendor that has verify this Bankruptcy that is reporting with only TransUnion. I have informed TransUnion numerous times that this Bankruptcy needs to be removed from my consumer file. I have provided numerous documentation and TransUnion has failed me as a consumer in regards to reporting accurate information. 

I then called XXXX and spoke with XXXX. I informed her that I spoke with a TransUnion rep today and he stated that XXXX verify this bankruptcy as accurate. XXXX pulled my filed and stated that its no bankruptcy reporting on their end and that they did a manual dispute with TransUnion on XX/XX/2023 and the result were just mailed out to me on XX/XX/2023 and I should get them and XXXX to XXXX business days. She also stated that she didn't heard anything back from TransUnion. Interesting thing is the TransUnion rep stated that XXXX verify the Bankruptcy. I am being mislead by these two Entities. XXXX and TransUnion are working together to ruin my credit worthiness. I feel I am being bully and lied too and I don't like it. I have been informing them for a year now and nothing has been done. TransUnion nor XXXX does not care about the rights and privacy of consumers. They are misusing their power that was given under regulation. It's not fair to continue to ruin a consumer file when proof has been provided. 

Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX ( XXXX XXXX ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. 
The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, TransUnion, and XXXX about it. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802.

I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. 
Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. 
Sincerely, XXXX XXXX
Product: Student loan

This complaint is due to the customer service agent/supervisor being unable to tell me the same thing about my " return to repayment update refund " owed to me from XXXX or XXXX XXXX. Each time I called there was a different answer or lack of information. I have been trying to get my refund for the last 14 months. I would be told " It takes different time frames to wait for my refund '' only to call back to inquire on the whereabouts of it and be told it was canceled, the time frame to get a refund had run out, or Check back in so many days. If it were myself, owing them this money, they would be upset with all the runaround and lack of information I have been given. The bottom line is, that I want the refund of the amount I paid in when it was a time I did not have to make payments ( {$390.00} ). The very last time I called I was told my loan was now with XXXX but because it was in XXXX 's hands at the time of the refund period, Mohela would issue my refund after it came from the US Treasury. I am owed XXXX payments of {$190.00} ( XXXX ) but was told I was issued a refund for {$27.00} which is an odd amount and I am not sure what that is about. At the end of my phone call, I was told to check with XXXX about the matter which I did and they said also it would be Mohela to submit the request. I have filed a complaint with the XXXX  on this matter ( # XXXX ) and now, I am submitting a request/complaint to you. I need and want my refund, please. I hope you can go back and listen to the recorded messages when I inquired about my refund and also any requests and correspondence made in their systems. I have requested it but have never received any documentation. More training needs to happen within Mohela as it stands right now. Twice I asked for supervisors and was told they were not allowed to send me to a supervisor. If you would kindly respond to my message here and take care of this matter of getting my refund submitted with a callback to me to give me a status update, I would so appreciate it. 

I look forward to your response. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted several times to get this issue resolved. 


I am a victim of identity theft. Accounts opened fradualently XXXX XXXX XXXX ACCOUNT NUMBER XXXX, CURRENT BALANCE IS XXXX. 

XXXX XXXX  ACCOUNT NUMBER XXXX, dated opened XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX XXXX ACCOUNT XXXX DATE OPENED XX/XX/XXXX CURRENT BALANCE XXXX ALSO THERE ARE CREDIT INQURIES THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL ACCOUNTS I LISTED
Product: Debt collection

I have paid this debt in.full and went to.the court and filed psper work and paid to.have it removed from the courts and my credit reports but still showing as open in the XXXX county courts and all the credit bureaus
Product: Checking or savings account

I had hired a Law Group that I had hoped could assist me with mortgage fraud that has been perpetuated against me for more than TEN years. After a discussion of my case with XXXX XXXX XXXX, which I was given the impression would direct me to a local attorney to assist me in my plight, I discovered they are ONLY in California, do NOT provide one with an attorney. At this juncture I had only given then a copy of ONE mortgage statement and some basic information. I divided the cost of {$750.00} between two separate Debit cards. Once I advised XXXX that I had fired this company and was repeatedly told by XXXX XXXX XXXX that " accounting would refund my money as nothing was done or submitted on my case. This went on for nearly a month and nothing was refunded. I finally had to deal directly with the banks independently and the charges were reversed. 

Apparently XXXX XXXX XXXX provided a retainer agreement to XXXX who without consultation with me reversed the fees and charged me once again. You should know that the retainer agreement DOES NOT HAVE MY SIGNATURE ON IT!!!!!!!! It was typed my XXXX XXXX XXXX and NOT signed by me. XXXX has refused to return this money or cease activity on my account and in fact charged me HUNDREDS in overdraft fees that I never should have been charged!!!!! 

Mind you I survive on Social Security XXXX and now can not afford heat my home or pay for electricity in my home because of XXXX XXXX  lack of due diligence and fiduciary responsibilities to me as the client!!!!!
Product: Checking or savings account

I had this one problem that my phone was lost and someone got on to my XXXX account and sent over XXXX  dollars to someone and I called the bank and said they couldnt do anything about this since it was XXXX. I have also had a lot of fees on to both of my accounts and then on top charge me with no money in account adding more money to what I owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}
Product: Debt collection

I lived in an Apartment Complex from XX/XX/XXXX XX/XX/XXXX. Upon moving out, there was a question on what was owed for damages ( which at the time was {$1100.00} and now is owned by Sentry Credit ). The complex apartment is called XXXX XXXX  located in XXXX XXXXXXXX XXXX I formally disputed the original amount dated back on XX/XX/XXXX. Part of the debate with the apartment complex was that they had ignored our signed agreement stating that I would be provided with a pre move out inspection, which I did not receive. Included in the dispute was a charge for a key FOB that I had already returned to the office on XX/XX/XXXX, and a painting service invoice that was charged before I had moved out and turned in my keys. Also, I had seen two final move-out inspections reported to my resident portal on XX/XX/XXXX and XX/XX/XXXX, both included the same invoice but showed two different amounts as charged. I contacted XXXX XXXX  regarding this and never received a response. 

I have contacted XXXX XXXX  multiple times ( promptly on XXXX ) regarding the inaccurate charges, inconsistent bills and two questionable final move-out inspections. With these discrepancies, the adjusted balance totaled {$770.00}, which I had originally agreed to pay for what was correctly charged. This too was formally documented and explained to XXXX. After not hearing anything from them, it was presumed that my security deposit, of {$1100.00}, was kept tocover the full balance. 

It wasnt until XX/XX/XXXX, after I pulled my own credit report, when I found a significant drop to my credit score, from XXXX to XXXX, due to an unknown collections company, Sentry Credit, reporting an open account, posted on XX/XX/XXXX. On XX/XX/XXXX, I immediately called Sentry Credit and advised that I would not be paying until the debt is validated and I received information showing what it was that I truly owed since the original amount was never abandoned and was not rightfully to collect. I refuse to pay for an unvalidated debt over the phone, as I am a victim of identity theft. Sentry Credit stated they would mail me the detailed ledger with an explanation. I have not received a response. I mailed a follow up letter to Sentry Credit  on XX/XX/XXXX via XXXX XXXX Mail with signature receipt required, and I have still not received a response. Also, I had reached out to XXXX XXXX  by phone on XX/XX/XXXX and by mail on XX/XX/XXXX to resolve this and I have not received a response from them too. 

At no time, from the time I officially turned in my keys on XX/XX/XXXX to this point, have I received any correspondence that a debt of {$1100.00}, from XXXX XXXX, was in collections by Sentry Credit. I was never notified I owed this debt and never received notification I could dispute or make payments.