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

Approximation a year and 1/2 ago I was searching for a part time job over the internet to supplement my full time job to help my children pay for college. I was offered a position but it unfortunately was a fraudulent scheme. Unknowing that it was fraud, I took the check that they sent me and opened an account with Well Fargo and deposited the check. No money was withdrawn. Upon the check not clearing, Wells Fargo then closed the account which I completely understood. Well Fargo said that this incident will not remain on my record and encouraged me to open an account with them in the not too distant future. 
A XXXX has since transpired. Because of financial difficulties, I decided to take a lone out from my XXXX. The XXXX management firm sent me check as a lone in the amount of XXXX dollars. I then took that check to Well Fargo to open an account and deposit it. I explained to Wells Fargo of the fraud incident that occurred a year and 1/2 ago. They expressed that it was not a problem, opened an account and presented me with a debit card which I successfully used the next day. When I went to use the debit card the following day, I was informed it was no longer active. So I immediately when to Well Fargo to understand what happened. Well Fargo told me that due to the fraud that happened XXXX ago, they were putting my check on hold until XXXX XXXX ( approximately two weeks ) at which time the funds would then be available. Please keep in mind that these funds were needed to pay normal household bills. During this time I spoke to the Well Fargo branch staff as well as numerous toll-free numbers that the bank offers. These efforts to resolve were all unsuccessful. So, I made agreements to be able to survive financially until XXXX XXXX. On XXXX XXXX I went back to Wells Fargo to make sure that the " hold '' on my account was lifted. It was then that I was told that the hold was not lifted, and the account is being closed. A check would be mailed to me and would take 5-7 business days to arrive. Again I spoke to bank staff, called toll-free numbers and I also attempted to write Wells Fargo an email ( their web-site would not accept the email request since my account was on hold ). 
In my opinion, if Wells Fargo was going to freeze my account, then this should have been told to me up front and I would have made different arrangements. Secondly, they were incorrect when they said the funds would be available on XXXX XXXX. They instead held the funds for two weeks and then said they were sending me a check through the mail. I asked them if I could get the funds wired if I paid the fee. They again declined to do this. Finally, I believe it was unethical for Well Fargo to accept my money to then make it inaccessible to me for over XXXX weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am aware that I am a natural person who has protected consumer rights. My consumer rights have been repeatedly violated. My personal information has been shared and used without my written consent. I did not give permissible purpose for the following accounts to appear on my consumer report : XXXX XXXX XXXX XXXX # XXXX ( appearing three times ), XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX. According to 15 USC 1681b ( 2 ) A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I am aware that your company is a consumer reporting agency and I, as the consumer, did not give your company written instructions, nor did you have permissible purpose to allow these accounts to appear on my consumer report without my prior written consent. 

Be advised that I am filing this complaint for my self and have had no assistance from any third party. Failure to respond adequately will result in me taking legal actions against your company.
Product: Credit card or prepaid card

Starting date XX/XX/XXXX - present. Comenity Bank has been down. Can not log in to access information, can not make a payment and can not get any information of when the system will be back up. The two store cards I have currently through Comenity bank that need to be paid are XXXX and lane bryant, both of which can not be paid in store. I have no options and my due date is XX/XX/XXXX. I have been hearing other consumers stating that XXXXomenity has been marking their credit reports late for the issue that has originated from Comenity. I am out of options because I pay all my bills online and even have paperless billing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with * XXXX XXXXXXXX BANK, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have 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

Student Loan XXXX  contacted me at work and I wasn't able to hear much and I think I agreed to them taking payments since I see an slfa.us has taken a payment from me. I have tried to contact them to cancel the payments with no answer.
Product: Credit card

XXXX, XXXX I received an unsolicited offer from Synchrony Bank to open a Mastercard account which provided 0 % interest and 0 % interest on balance transfers for 12 months. By phone I applied and was approved for a {$2500.00} credit limit. XXXX I made a balance transfer to this acct in the amount of {$820.00} plus {$33.00} transfer fee = {$850.00}. XXXX I paid {$75.00}, on XXXX I paid {$30.00} minimum payment, XXXX paid {$30.00}, XXXX paid {$150.00}, XX/XX/XXXX paid {$100.00}, XXXX paid {$100.00}, XXXX paid {$260.00}, XX/XX/XXXX paid {$260.00} and XXXX paid {$360.00}. The due date was the XXXX of each month so I was never late. In addition to the balance transfer on XX/XX/XXXX I got a cash advance for {$500.00} with a {$25.00} cash advance fee and was charged {$11.00} interest. 
On XX/XX/XXXX I received an email informing me my credit limit was changed to {$640.00}. I had a balance due of {$610.00}. On XX/XX/XXXX, the same day of change notification my credit limit was lowered WHICH DROPPED MY CREDIT SCORE BY XXXX POINTS IN ONE DAY. Immediately I paid {$260.00} and on XX/XX/XXXX I paid the balance in full. I have a XXXX BALANCE due Synchrony. 
Yet as of today XXXX my credit report shows I owe {$610.00} with a XXXX XXXX usage of this credit card. My credit limit was changed in one day. Surely they can update my payments so my good credit score can be restored. 
I was never late with Synchrony or any of my other credit card payments for other cards.

I should have been given proper notice of the lowering my credit limit so I would have time to act.

I have been both financially and emotionally harmed by Synchrony. 
I was going to rent an apartment in XXXX in XXXX for 3 months. It will be impossible to be approved for a rental due to my credit score being lowered to such an extent by the action of Synchrony.

Synchrony is in breach of contract with their offer of 12 months no interest for balance transfer. Synchrony has damaged my credit standing. I will seek all legal remedies available through legal aid due to my age ( XXXX XXXX XXXX ). I HAVE BEEN ABUSED by Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent a letter regarding inaccurate and unknown on my credit report, To this day over 60 days later, I still haven't received a response. I feel like I am being taken advantage of and being unheard on my concerns. Section 611 ( A ), it is plainly stated that a failure to investigate theses items within 30 days prompts for deletion, this means you are in direct violation of the law.It has been over 60 days and inaccurate items should be removed immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have brought upon me. My information was also impacted by the equifax data breach and seems to have gotten in the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  - NUMBER 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 a account without my written instructions.

( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES
Product: Money transfer, virtual currency, or money service

Madam/sir, I hope this email finds you well. 

I would like to report a case of monetary loss in foreign exchange and remittance services. 
For foreign exchange and remittance services between XXXX XXXX and XXXX, I have transferred a sum of money ( HKD XXXX ) to Western Union 's designated bank account in XXXX XXXX from my XXXX XXXX local bank account on XX/XX/2021. 

The expected service was Western Union would remit the equivalent of HKD XXXX in THB to my designated bank account in XXXX as a form of moving money across borders within my family. 
However, Western Union, till this point, denies the receipt of any funds from me or my account. 

The following files are provided for your kind reference : 1. Communications on email between Western Union and myself, starting from account creation all the way to multiple communications about the transfer that Western Union does not admit in receiving 2. Confirmation from XXXX, my bank, regarding the transfer I have made to Western Union 's bank account 3. The original transfer receipt, as saved from XXXX online banking I ask for my funds to be fully returned to my XXXX XXXX bank account as soon as possible, but Western Union has not responded to my request. 
Please kindly provide assistance in filing this claim and complaint. 
Please let me know if you require any other information or evidence. 

Many thanks. 

XXXX XXXX XXXX
Product: Credit reporting

In 2015, I ordered workout items from XXXX. They offered to open a account. I accepted. XXXX later sold the account to XXXX. 
They sent a credit card from their bank. I refused the card and paid the account off to XXXX. The Bank continued to send statements and enrolled me in their VIP program for {$14.00} a month. I immediately called XXXX to cancel this card and program again. XXXX continued sending bills and adding extra charges. Their card was never activated. I refused to pay. Never signed for their card ; This seems to be a rip-off, and much like XXXX was convicted of, to open new accounts. In the mean time since I refused to pay these VIP charges, they turned this account over to a collection agency : XXXX XXXX. They continue to hassall my family with no documentation, which I have requested from XXXX, since that is where this account originated. They refused to help since they sold the account to XXXX. In the mean time they have reported to have this placed on our credit report.
Product: Debt collection

On XX/XX/XXXX I made a payment to central credit service in the amount of {$1200.00}. This was a settlement payment for all medical bills that was in collection with this company. However my credit report states that I still owe money for another account. When I called Central Credit Services they stayed that this amount will take care of all debts owed. However now they state that it did not take care of all accounts. I never noticed that the receipt did not have all accounts listed. I was deceived into thinking everything was at XXXX balance. The agreement I made over the phone is to cover all debts with Central Credit partners under XXXX XXXX XX/XX/XXXX. Central Credit Services staqted i only paid the {$1300.00} portion of the debt. insted of the settlement beeing calculated for all debts owed to the company which is around {$3000.00}
Product: Debt collection

Payliance has failed to provide notification of debt collection. Payliance has not responded to my request to verify the debt. Payliance is required by the FDCPA to provide validation ; that is competent evidence bearing my signature, showing that I have or ever had some contractual obligation with Payliance.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$1100.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$4300.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$710.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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 1515 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 5 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX Account number : XXXX or XXXX 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also Washington is a closed-border state. You must have a license before contacting debtors or soliciting clients in Washington, which the XXXX does not have. Therefore you can not begin business activity until you receive a business license listing the required endorsement as an In-state Collection Agency endorsement is required if your main office is in Washington state or your main office is outside of Washington state and you have, or plan to have, clients located in Washington state . ANY business involved in collecting a debt on behalf of a debt owner, or collecting a debt you have purchased from another person and either you, the debtor, or the debt owner are located in Washington, you must have a Collection Agency endorsement and be licensed in Washington.

Lastly, the account in collections for the amount of {$740.00} is not mine, but it was opened with my information. The only account Ive personally opened in my name is my current active XXXX account at my current address and was opened on XX/XX/year> at XXXX store no. XXXX.
Product: Mortgage

I have applied for HARP Refinance with BMO Harris Bank. I was told you are eligible for HARP Refinance by Loan Officer. And gave me closing cost around {$1100.00} and 3.75 % 20 year. But Bank processed my application as conventional loan. And in closing statement they charge huge amount of money. I did n't close my refinance loan. I asked for refund {$490.00} which they charge for deposit but no response from bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX shows 30 days late payments on XX/XX/XXXX, XXXX & XX/XX/XXXX while XXXX & XXXX shows 30 days late payments on XXXX, XXXX & XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Debt collection

I was contacted today by Portfolio Recovery for a debt owed to XXXX XXXX. I've had XXXX XXXX XXXX cards in the past XXXX years, paid as agreed, and closed by my own recognizance. She didn't want to reveal anything about the supposed collection, but to only admonish me with my rights. I told her I have no debts in collection and hung up.
Product: Credit card or prepaid card

This is a secured credit card in which i made a XXXX deposit. I made an arrangement to auto pay my payment down to a XXXX  balance. I had problems with my direct deposit payroll check being late. So I made a second call explaining this and then paid acct to XXXX. The next day Citibank closed my acct and won't refund my XXXX deposit. After not explaining why they closed my acct to start with. I tried to reopen this acct but not able to. That's fine but I still want my money back. I owe them nothing paid in full acct. After 3 weeks of a complete runaround and a total of 11phone calls each lasting 30 minutes or more, and spoke to XXXX ( a manager in customer service ). He promised to see if through and call me go directly. Of course no call!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an error regarding late payments on an account that was, in fact, paid on time. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information is reported with complete accuracy. However, this account incorrectly reflects two late payments, which is inaccurate.

I have attached a copy of my credit report, highlighting the disputed account, along with any supporting documentation. I am formally requesting that you investigate this matter and update my payment history to accurately reflect on-time payments. The dates are XX/XX/XXXX ( XXXX ) and XX/XX/XXXXXXXX XXXX XXXX XXXX ). 
Please correct this discrepancy as soon as possible and provide written confirmation of the update. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all invalid data this is hurting my file. this has been an ongoing issue that needs to be resolved asap. ive addressed these errors multiple times an no updates or progress of deletions have shown. these items listed are illegal an fraudulent posted on my credit report. please review an remove the listed items asap.
Product: Checking or savings account

In XX/XX/year>, my first Cash App account, which I had been using for a long time without issues, was suddenly deactivated by Cash App. I was not provided with any explanation or details about why my account was closed. 

After this, I opened a new Cash App account to continue using the platform, as I was still unaware of the reason for the first accounts closure. However, this second account was deactivated almost immediately after opening. 

Since then, I have been emailing Cash App Support for over a month, repeatedly requesting clarification about why both accounts were closed. Unfortunately, all I have received are generic responses from different agents directing me to contact supportdespite the fact that I am already in contact with them. I have not received any meaningful assistance or resolution, leaving me with no clear understanding of what led to the closures or how to address this issue. 

This has caused significant inconvenience as I relied on Cash App for my financial transactions. I am seeking a detailed explanation of the reasons behind the deactivation of both accounts and, if possible, reconsideration of these decisions.
Product: Credit card or prepaid card

Company wells Fargo is lying telling me I wanted to pay in full I already made settlement now they're saying I wanted to pay in full which is a lie why would I pay settlement and then pay in full doesn't make sense.
Product: Debt collection

My name is XXXX XXXX XXXX am a victim of identity theft the information listed in this email which appears on my credit report does not relate to any account that I have made or open it is the result of identity theft Please block this information from my credit report pursuant to section 605B of the fair credit reporting act and send the required notification to all furnishers of this information enclosing this email or screenshots of the fraudulent accounts a copy of my credit report I received the fraudulent items are as I said in the screenshots attached to this email a copy of my identity theft report and proof of my identity a copy of section 605B of the fair credit reporting act which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days Also attached to this email you will find a copy of my complaint with the cattle retreat commission you will find another complaint to Fbi IC3 crimes unit you would also find an affidavit from the IRS for identity theft you would also find a report from XXXX XXXX XXXX Police Department and you will also find a copy of my lease and you would also find a copy of I am doctors restrictions As you can see from the attachment in this email my Social Security number trays that I searched on XX/XX/XXXX it appears as someone is using my Social Security number located at XXXX XXXX XXXX, XXXX, CA XXXX and the aliens that they are using is XXXX XXXX Furthermore the information that XXXX  has put on my credit report was removed in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX it is unfortunate that XXXX  has chosen to violate my rights and discriminate against me by expressing depraved deceptive and misleading business practices My hope is that we can resolve this issue quickly this XXXX of my identity has been going on for far too long years and if XXXX  is still not going to follow the laws and rules of the current consumer protection act then I will file my complaint with the United States justice department for discrimination with people XXXX as well as well consumer protection agency Im not sure why XXXX has chosen to re-open claims that or fraudulent accounts they were open on my XXXX XXXX report after I had already disputed it and it was removed XXXX re-opened it for whatever reason it was wrong and it was bad business practice furthermore at the time in XXXX XXXX I was XXXX and in and out of hospitals four weeks and months at a time I have also the hold a complaint with Nevada state attorney generals office in XX/XX/XXXX and I also have a pending complaint of assault with the XXXX XXXX XXXX Police Department dated XX/XX/XXXX as well
Product: Debt collection

I have received numerous calls from ( XXXX ) XXXX and ( XXXX ) XXXX, both of which belong to Creditors Collection Service. However, I only know that because I searched the numbers online. The calls to my phone either do no leave a message, or the message is a recording of a man leaving only the phone number ( XXXX ) XXXX. He does not say anything else in the message. I have records of nine calls since XXXX/XXXX/2016, but there were more before those.