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

I am writing this letter to request the reimbursement of bank charges for bank erroneous levy of my XXXX XXXX XXXX XXXX ( XXXX ). 

On XX/XX/XXXX, the Wells Fargo Legal Department withdrew {$580.00} from my Wells Fargo checking account and charge me a legal processing fee of {$120.00}, as a result of the legal order in the amount of {$3400.00} from the Franchise Tax Board. As soon as, I found out I called the legal department to explain my financial situation and also contacted XXXX XXXX Department to set up a payment plan ( {$65.00} a month ), which was accepted. Since XXXX, I have been receiving XXXX. The XXXX XXXX  became my only income. ( A copy of my XXXX XXXX XXXXXXXX Award letter is in the attachment for your reference ). Therefore, the funds in my bank account were coming from XXXX and should be returned to me immediately. Also, Wells Fargo Bank is well aware of the regulations regarding XXXX citizens on XXXX XXXX XXXXXXXX. How much do they collect annually for charging the outrageous {$120.00} fee for processing liens against federally XXXX customers. I would bet it is substantial. The fee should be refunded accordingly. Thank you for your time and consideration. I may be reached by phone at XXXX XXXX XXXX XXXX or email. I look forward to hearing from you soon. 

Respectfully, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have to judgements on my credit report that shouldn't be there. XXXX XXXX XXXX is a complex that I lived in that continuously went up on the rent. It was so high that I had to move out. Everybody that has rented from them have a drastic bill afterward. But you never be able to get your deposit back. 


I have another one that is on there the lady and I went to court and the judge ruled in my favor. So how can she put a judgement on my record.
Product: Credit reporting or other personal consumer reports

There was an account opened in my name fraudulently around the same time as the other already reported accounts opened due to identity theft. 
XXXX started reporting on my Experian report, I actually went ahead and paid the amount although it was not mine to pay so I could get this taken care of and off of my report. 
The account shows settled however it has not been removed from Experian Credit Report, I already explained it was not my account and should be removed and tried to pay them so it would come off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting on three separate tradelines the XXXX XXXX XXXX partial account number XXXX. ( Please see pages 20, 23 and 27 of the attached credit report. ) This account reports a balance due of {$100.00} with a {$0.00} past due amount. This incorrect reporting is a F.C.R.A. ( Fair Credit Reporting Act ) violation and is harming my credit score.
Product: Credit reporting

I contacted Transunion to express concern about a judgment that has been placed on my credit report ( XXXX ) According to the XXXX XXXX Court, the judgment is from XXXX and the plaintiff is XXXX XXXX. I explained to the representative that they are reporting the wrong persons information and they told me they cant remove it and that it is up to XXXX to remove the error. I further explained that they have the wrong persons information attached to my report and they did not seem concerned about the fact that a judgement has been placed on my credit file in error, which has caused major damage to my credit score. I need for the erroneous information to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Upon revievieweing my credit report, I have identified the following item ( s ) that contain inaccuracies XXXX. The following personal information is incorrect Reported names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Addresses : XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXX XXXX XXXX, XXXX, MA, XXXX XXXXThe following personal information is incorrect Employment info : XXXX XXXX XXXX XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 5.The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report 6.The following account is not mine XXXX XXXX XXXXXXXX Account Number XXXX XXXX Please REMOVE it from my credit report 7.The following account is not mine XXXX XXXX Account Number : XXXX Please REMOVE it from my credit report
Product: Checking or savings account

I've had an account for over 10 years and have recently started depositing checks directly at a branch via a teller, versus my usual method of depositing via a debit card at an ATM. Deposits via ATM have been credited immediately. However, the deposits made over the past few weeks have, for whatever reason, not been credited for several days, which has resulted in {$440.00} in recent overdraft fees. I called about this and other than offering to refund {$74.00}, the bank refused to refund any more of the fees, even after speaking with a manager ( and despite my lengthy history with them ). I feel this is unjust, as they have total control over MY funds and can siphon as they please, without my knowledge or consent, and I feel that other consumers should be made aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Capital One called me on the XX/XX/XXXX of the month telling me my credit card payment was going to be late 30 days if I didn't pay them. I paid them right away over the phone and my debit account was deducted right away. However, Capital One is now showing I have a late payment ( for 30 days ) for the month of XX/XX/XXXX. How can that be if I paid on the XX/XX/XXXX?

Im closing on my house purchase on the XX/XX/XXXX and because of this late pay, I now dont qualify. 
I have called Capital One numerous times and they tell me they can not send me any letter stating It was a mistake on their part and I have to wait until my credit updates. My mortgage lender just repulled my credit and its still reporting as late. 
I need this XX/XX/XXXX day late to be removed right away so i can close on my house. 
Please help.
Product: Debt collection

MIDLAND FUNDING debt collection reported incorrect information to the credit bureaus after I refused to pay off debt. In XX/XX/2022 I spoke with the company in trying to resolve debt and I could not pay what they were asking at the time. The company changed the balance to increase by {$1.00} ( {$950.00} to {$960.00} ), reported a recent late payment of {$0.00}, and changed status of account to open instead of closed. This is in retaliation for me not paying off debt and repeatedly asking them to verify debt.
Product: Debt collection

I do n't know why this company keeps calling me because I do n't owe any one, I pay my bills every month!!! I want the calls to stop and for them to take it off my credit report, I do n't think that they should have it on there
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to dispute an item on my credit report that I believe to be an error. The item in question is as follows : Creditor Name. 

Nature of Dispute : Unauthorized Inquiry I did not authorize the inquiry by [ XXXX ], which is reflected on my credit report. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that only authorized inquiries are reported on my credit file. 
I kindly request that you investigate this matter promptly and remove the unauthorized inquiry from my credit report. Please provide me with written confirmation of the actions taken to rectify this error. 
I understand that the FCRA mandates timely resolution of disputes. Therefore, I request your immediate attention to this issue. 
Thank you for your assistance in resolving this matter. Please send your response to the address provided above.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, Square deactivated my business account without any previous notice and stated that " the decision is final '' in the email they sent me. They did not provide any information regarding why my account was deactivated. I then contacted Square customer support and they said they were unable to give me any information as to why my account was deactivated due to " security purposes ''. They took my entire account balance of {$530.00} and said that I will not have access to this money until XX/XX/2024, if I will have access to it at all. I have only had ONE transaction and JUST started my account with Square when they deactivated my account shortly after. 

Before this, I gave them all of my business information. My business is XXXX XXXX XXXX XXXX and we offer XXXX XXXX XXXX XXXX XXXX. I described my business activities to Square and provided invoices and bank statements supporting this. I also submitted my Driver 's License as proof of identity and ownership of my business. After all of this, they still deactivated my account and did not give any reason as to why they did. 

I am a small business owner who thought that Square payment processing would be helpful and easy to use for my company. I was not expecting to be targeted and scammed by Square itself without any notice or reasoning and to be unable to take any transactions or not be able to access the money that I have already earned. 

I have done research and saw that many other people have had the same experience with Square and them not doing anything to help or alleviate their mistakes. This is outrageous considering how large Square is as a company and how they can take advantage of small businesses using its platform like this. I will no longer be using Square and I will tell every other business owner that I know about my terrible experience with them to prevent this from happening again to others. Also, if I do not get the money that Square is withholding from me, I will get my lawyers involved and take them to court.
Product: Credit reporting or other personal consumer reports

COMPANY REPORTED LATE OR MISSED PAYMENT FROM XX/XX/year> TO XX/XX/year> IN THE AMOUNT OF {$360.00}, ALSO IN XXXX AN OUTSTANDING BALANCE OF {$490.00} WAS REPORTED ... COMPANY GIVES OPTION TO PAY FOR XXXX MONTHS AT A TIME TO LOG PAYMENT AS XXXX MONTH AND THEN RECORD IT AS LATE OR MISSED PAYMENT ... .TRY TO GET XXXX FROM XXXX MORE THAN ONCE
Product: Debt collection

Wakefield and associates collections Date opened XX/XX/year> Balance {$1200.00} Original balance {$1600.00} Bill should have been sent to my insurance company for payment. It was not do to my negligence
Product: Payday loan, title loan, personal loan, or advance loan

Self randomly decided to cancel my credit builder account 2 weeks ago because they couldnt verify my identity even though Ive been a customer for years and my payment accounts have my name on it. The credit builder account is supposed to be a glorified savings account. Its paid out when the account closes. I asked where my deposit is and was told its under review but no one will tell me why. Or why my money, which was advertised as a savings account that gets sent right back to me after the contract ends, is suddenly being held ransom. And I dont understand why all of a sudden my identity is a question. My payment account was verified through XXXX and it has my name on it! I made my last 2 payments through the account its supposed to be sent to. They have enough information about my identity to take my money but not to give it back? And if they needed verification why was it an issue after they closed my account? Why did no one say anything to me before? Especially since Ive spoke to their agents numerous times before the account was closed. My money is supposed to go right back to me within 2 weeks. Not held for reasons no one will tell me. And as a customer there should be transparency, especially when dealing with money and credit. And judging by most recent reviews its a serious problem, with people complaining about not receiving their money back for months. So right off the bat theyre breaking the contract they advertised the business as. Its fraudulent and predatory behavior from Self Inc.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX MOney Mart, XXXX, AZ. This is a payday loan they call XXXX XXXX. Payday loans are illegal in the State of Arizona. I've filed a complaint with the Attorney General 's office pertaining to the same. They harass me by calling 10 times per day even though I told them I've lost my job and their lending is illegal in this state.
Product: Debt collection

My husband and I relocated to XXXX from XXXX in 2013. We lived in an apartment while we were house hunting. Our apartment lease was up in XXXX 2013 and we signed a home lease to begin XXXX 2013. We moved out of our apartment XX/XX/XXXX and returned our XXXX XXXX 'box ' to the local center. We both walked in and handed it to the XXXX XXXX employee. We asked if there was anything else we needed to do to cancel services, and he said, " Nope, you are good. '' We forwarded our address to our new home, and almost two years later, my husband received a call from a debt collector stating that we owed {$100.00} because the box was never returned ( we canceled our service and switched to XXXX when we moved ) -- and accused us of " stealing '' the box. He argued with the debt collector and insisted we had done this, but since the debt was so low, he agreed to pay the {$100.00} immediately because we are looking to buy a home and have been aggressively protecting our credit. We are now going through the loan process to buy a home, and our banker said that the XXXX XXXX credit hit knocked our score down XXXX points and we will not qualify for our home loan. Our banker has encouraged us to go back to XXXX XXXX and argue this " debt '' ( which we paid the first time we received a phone call ). After talking to XXXX customer service agents yesterday, they have " no record '' of our account and can not help us. It seems absurd to me that a company can literally ruin a family 's credit without any proof of our wrongdoing. Again, the " debt '' was {$100.00} and we would have paid six times that amount to keep our credit history in tact. Now, we are faced with not being able to buy a home for our family of XXXX. Please advise. This should be illegal!
Product: Vehicle loan or lease

Payment is less than 30 days late. Ally financial calls me 3 times a day every single day demanding immediate payment. One payment due. 19 days late. Calls start at 5 days late and never stop no matter how many times I tell them they will have their money before the next payment is due. No payment has been 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I am filing a dispute against Fair Collections and Outsourcing XXXX. They are reporting fraudulently on my credit. This account doesnt belong to me. I didnt open this account, nor did I pay it. Someone used my information without my knowledge nor authorization. Please see the below FTC report and my driver license. plese remove this account form my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX XXXX  equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXX
Product: Checking or savings account

This complaint involves Pentagon Federal Credit Union. Beginning in XX/XX/year>, we began noticing our checking account balance would always be showing far lower than expected even though there had been no changes to deposits or monthly bills, but we couldn't pinpoint any obvious issues. We did have a large number of recurring small payments on purchases financed through services such as XXXX, XXXX, and XXXX and some appeared on our statement to be possibly duplicate charges, but we couldn't tell for sure. In XX/XX/year>, we noticed a duplicate withdrawal for our water bill paid to XXXX XXXX. The water utility said they only did a single debit from our account that we had approved. We went to the XXXX branch of Pentagon Federal Credit Union to see what was going on. The bank manager did concede there had been an attempt to debit our account XXXX  for the water bill but that XXXX charge had been reversed. We asked about the other abnormalities in our account and the bank manager accused us of not properly managing our finances. We subsequently changed banks and since then have not had any problems with our balance being unexpectedly low. We now suspect that a Pentagon Federal Credit Union employee was taking money from our account by disguising the debits to be in the same amount as other authorized debits but then diverting the money elsewhere, and this was going on from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had money on https : //www.coinbase.com ( Coinbase Inc ) which I withdrew and I still have not received it. 

On the XXXX XXXX I withdrew the following amounts to my XXXX bank account ( two separate transactions : XXXX XXXX I have contacted them numerous times but have not received my money back. 

The bank details are correct and I withdrew around XXXX the day before with no problem.
Product: Mortgage

In XX/XX/2018 I contacted BB & T to see why PMI was not removed from my mortgage. They responded and said that I did not qualify for removal. When I refinanced through them, they indicated that they would use the original appraisal amount of the house since the original mortgage had not been that long ago. No new appraisal was required. When I made this inquiry they said the value of my house was {$100000.00} less than the appraised value. This was done randomly as they conducted no appraisal or evaluation of the property. Since they fraudulently devalued my house by {$100000.00} PMI couldn't be removed.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX - Unverified Account XXXX XXXX XXXX  XXXX - Unverified Account XXXX  XXXX - Unverified Account XXXX  XXXX - Unverified Account XXXX XXXX XXXX XXXX  XXXX - Unverified Account XXXX  XXXX XXXX - Unverified Account XXXX XXXX XXXX XXXX- Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX, 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 an account without my written instructions.
Product: Debt collection

on XXXX/XXXX/16 i got a missed call from a unknown number of a gentelmen saying hes a private investigator investigating a larceny by check agains me left me a case number and a phone number to call. i called the number and a guy named XXXX XXXX told me he was the guy on my case told me i owe XXXX and change to a company called XXXX i said no i owe XXXX he said the rest is our fees so you have the option to pay for it now or ill have to file a lawsuit against you for a larceny by check and have you arrested and suspend your license and company Dot number so you can no longer do busines i said to him thank you very much sir but i never wrote a check to beguin with he said you did when you signed the contract u gived them a voided check i said yes i did but they were taking money from my account i never wrote them a check for the debt i owe them so he said well that larceny by check i said sir ive to contact my attorney for this he said ok call me back. after a 40min i called him back and i told him my attorney will give him a call he said well ill file a criminal charges agains you tomorow i told him ive attorney hes taking the case over. the next day i had missed call from what appeared to be my home town PD XXXX NJ i called them back give them my info they said we never contacted you or noone from our department did. later that day i got another call from someone from the PD said he recieved a papers for me under a criminal charges i said ok he asked me if i still leave in garfield i told him yes and i went to the PD to see whats going on. they check all the detectives and everyone that has access of the number noone called so i went to my attorney he called them with me pressent same day the XXXX XXXX wasnt there they said call tomorow. 
Next day he called them and told me they broke so many rules and told me to dont worry if they call to tell them to call him. 
20min later XXXX XXXX XXXX called me saying this is your last chance and i made bad decision hiring a lawyer he was so bad he didnt know the laws and that ive the last chance to pay XXXX up front and another XXXX next week including his charge. i told him i pay the lawyer for a reason to call him if anything he said well dont be surprised if i have you arrested or shot down in a weight station ( meaning ill suspend your lic or dot number ) he said remember XXXX XXXX XXXX i said fine no problem I NEED THIS XXXX FINED ILL CONTACT THE LOCAL NEWS AS WELL