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

My business account was closed due to a false fraud report from a client who wired transferred money to our business account in Bank of America. I accept that bank of america closed my account, but I do not accept that they're not giving me the funds left in that account. Since my company didn't commit any fraud, and the other part provided false documentation stating this. I have also filed a complaint to my Florida Attorney General 's office due to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc report.
Product: Credit card

THIS IS UPDATE SUPPLEMENT TO : # XXXX [ XXXX ] XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX message from XXXX caller ID : " FISERV '' : message : call number on back of card for service [ the # previously ALWAYS blocked ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is in XXXX and FISERV is in Wisconsin XXXX. 
[ XXXX ] I called # on back of card SAME DAY [ XXXX ] ; [ XXXX ] INITIALLY delighted to hear outgoing message, not blocked ; [ XXXX ] BUT, then after XXXX on menu, all I got was a recording for a special promotion offer, but once again NOT possible to talk to live humanoid. 
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THIS IS A COMPOUNDED DELIBERATE SCAM FROM MNBank. MN has EMBEZZLED our money : it is now XXXX years and we can not access the {$700.00} on our pre loaded debit card [ not including lost interest which MN has wrongly profiteered from ]. 
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: Credit reporting or other personal consumer reports

XXXX : 3Inquiries XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Transunion 4 Inquiries XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX : XXXX XXXX XXXX  Inquiry date : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XXXX XXXX ( Monday XX/XX/2020 ) I went to XXXX XXXX XXXX XXXX  located on XXXX XXXX XXXX, XXXX, FL XXXX. 

The sales associate, XXXX XXXX, asked if I would like to get pre-approved for a XXXX XXXX  credit card through Synchrony Bank. XXXX clearly stated that this was just a pre-approval to understand how much credit I would be extended. 

I filled out the pre-approval application and turned the computer over to XXXX. She came back and notified me that I had been pre-approved for {$15000.00}. 

I told XXXX that I was not buying any furniture that day and would think about coming back. When I left the store, I had not been provided with a copy of any pre-approval documents I filled out. 

On Monday XX/XX/2020 I received a letter in the mail from Synchrony Bank. The contents were a new XXXX XXXX  credit card. 

I had never applied for a credit card ( only filled out the pre-approval ). It is my belief that the sales associate, XXXX XXXX, fraudulently submitted an application for a credit card under my name, without my permission.
Product: Payday loan, title loan, or personal loan

Bank of the West ( the Bank ). 
A trade name used by BMO Harris Bank N.A. 

I do not believe BOTW is operating in a responsible or good faith manner. 

After purchasing an RV Camper on XX/XX/XXXXXXXX  from XXXX, I signed a RETAIL INSTALLMENT CONTRACT ( the " Contract '' ) on XX/XX/XXXX from XXXX XXXX to finance the purchase of a XXXX XXXX BackPack XXXX  for the amount of {$29000.00} with BOTW. 

Payments were made on XXXX XX/XX/XXXX for {$270.00} XXXX XXXX XXXX for {$300.00} XXXX XXXX for {$300.00} XXXX tried making automatic payments on the BOTW app online Several times, during the months of XXXX, XXXX and XXXX. 
But I had to resort to single payments as the system kept saying it was under maintenance or wasnt able to complete the transaction. 
I kept trying to set up auto payments. I thought it had been taken care of by this time, but it looks like it only pulled XXXX dollars. 
XXXX XX/XX/XXXX for {$0.00} When I spoke to a representative of the bank, in XXXX, she said she saw that I had set up the payment but that it takes a couple of months before it takes effect. She said the funds would start being pulled on the XXXX of XX/XX/XXXX. 
They didnt get pulled until XXXX XXXX 

No other bank, that I know of, takes 3 months to set up automatic payments. 

The BOTW did not take an auto payment for XXXX or XXXX. 
I had to do it manually. When it didnt take the XXXX XXXX auto payment, I paid the {$1000.00} in XXXX. I paid that twice, again because the BOTW online app was not completing the transaction properly. 

Payments were also made on, XXXX XX/XX/XXXX for {$300.00} XXXX XX/XX/XXXX for {$1000.00} XXXX XX/XX/XXXX for {$1000.00} XXXX payment of {$1000.00} The first auto payment I have seen, taken out, has been the XXXX. XX/XX/XXXX for XXXX BOTW has been the worst banking experience I have had in over 60 years. 
It seems to me that it is very convenient for the bank not to address the bank app situation as in the end, it generates extra income in the way of fines and interest. Also, because of the late payment report to Credit Agencies, they make it difficult to seek credit at another bank as my rating is tarnished.

The resolution for me would be to withdraw the Late payment from the Credit reporting agencies and put me back in good standing, make sure the auto payments keep working, and put whatever over payments there are, towards the principal.
Product: Student loan

I 've been trying to get installment pymnts they want work with me  n  give me the run around
Product: Debt collection

Disputed the account with the collection agency and the credit bureau as fraudulent. Disputed XX/XX/2021 I asked for method of verification, no reply.
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.
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. 
XXXXXXXX XXXX XXXXXXXX, # 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 15 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, credit repair services, or other personal consumer reports

My Navient student loans acct under  XXXX   XXXX , account #  XXXX , is falsely reporting my loans as past due 120 days PLUS when my loans have been in Voluntary Forbearance from the beginning and have been re-certified Voluntary Forbearance to current date. BOTH my credit reports & credit scores have suffered due to this falsely reported data.      XXXX  refuses to correct the incorrect data supplied to all   XXXX   credit bureaus & the mistake has caused me financial damage/harm because I have been denied loans & have been given loans at higher rates than they should because of this reporting which is the ONLY NEGATIVE ENTRY ON MY CREDIT REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complain to dispute the presence of fraudulent items on my credit file. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request the deletion of inaccurate, incomplete, or unverifiable information from my credit report. Upon reviewing my credit report, I have discovered several items that are the result of fraudulent activity. These items were not authorized by me and are therefore inaccurate and should be removed from my credit file. Specifically, the fraudulent items I am disputing are : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have taken the necessary steps to report the fraudulent activity to the appropriate authorities and have provided documentation of the same. I request that you investigate this matter and remove the fraudulent items from my credit file as soon as possible.
Product: Credit reporting or other personal consumer reports

Avant acct ending in XXXX is violating my rights as a consumer for this account is not my account XXXX XXXX XXXX. XXXX has verified that they don't have no contract agreement with my physical signature.This a violation of 18 U.S. Code 1341 - Frauds and swindles I didn't give consent to this account for this isn't mine because there's proof of account is mines. ( See Attached ) For this also a violation of 12 U.S. Code 5531- Prohibiting unfair, deceptive, or abusive acts or practices. They are reporting to the credit Bureaus without my consent. Also XXXX, Transunion, XXXX has been selling and trading my ( debt ) securities on the secondary market and profiting without compensation. This also a violation of 18 U.S.C. 1348 SECURITIES FRAUD Securities and commodities fraud is a serious crime under federal law, punishable by a maximum imprisonment of XXXX  years, plus a fine. 18 U.S.C. 1349 confirms that an attempt or conspiracy to commit a violation of 18 U.S.C. 1348 will be punished in the same manner as a violation of Section 1348 itself.
Product: Checking or savings account

I received a letter in the mail the week before XXXX stating that my SSN was flagged. I mailed off the letter and then I received an email on XXXX the XXXX stating that my account would be closed on XX/XX/XXXX unless I filled out the information. I immediately went online and filled out the paperwork, I sent it signed along with my ID and my SSN, I submitted my information on XXXX. I also called Chime multiple times throughout the 2 weeks and was told it was " high call volume '' and was put on hold for over an hour each time. I tried to do customer. No one responded back to me. I called 3 different times on XX/XX/XXXX and waiting over XXXX minutes each time. I emailed multiple times with no response. Then XX/XX/XXXX I go to look in my account at XXXX pm and was told my account had be cancelled and the Chime app logged me out. However I just used my Chime card 3 hours prior to that. I have called and email multiple times with no response, their is no actual human to talk too. You can't use the chat feature unless you are a member and because my account is closed they will not let chat with anyone. Chime is withholding my money from my checking account ( {$190.00} ), my savings account ( {$25.00} ) and my credit builder account ( {$9.00} ). I have been a loyal member of chime for almost 2 years and have never had a problem with them until now. I also think its odd that I have 3 different bank accounts yet somehow chime is flagging my account stating that my SSN is wrong. Ive sent everything Ive needed too and I've exhausted every resource I possibly can. Thankfully this is a backup account and I only put a little money in at a time, however this is still MY money that I worked for.
Product: Bank account or service

M & T Bank allowed XXXX to charge my debit card in the amounts of XXXX on XXXX/XXXX/2015 ( XXXX late fee ) & XXXX on XX/XX/XXXX ( XXXX autopurchase ) I contacted the bank and advised these were unauthorized charges and disputed the charges. I was given a provisional credit for the charges only to have it reversed and M & T sending me a letter stating the charges were not in error. They also send me a invoice for a purchase my daughter had made on XXXX/XXXX/2015 for XXXX with her amozon account information and email address. Not my account nor did I made a purchase from amozon anytime this year. The book was purchased using my daughter account with amozon and other means as this was not a purchase with my debit card nor did I authorize the withdraws and still am disputing these charges. M & T Bank 's representatives stated many times because XXXX has my account information from a prior purchase they can withdrawn the funds from my account? How can they take money from my checking account and the bank allows this without my authorization just because they have my information. M & T sent me a invoice to show me the reason for the charges was a purchase on XXXX/XXXX/2015 using XXXX XXXX account at amozon in the amount of {$26.00} dated XXXX/XXXX/2015 and shipping slip for XXXX/XXXX/2015 and they reversed the credit for a book that my daughter must have bought with her debit card ( no charge on my account for a book on XX/XX/XXXX or XX/XX/XXXX for the initial rental. I do n't think because the company had my information they should take it out of my account because we have the same address and they assume I have a book? This is not my purchase. The bank should reverse the debit to my account from amozon and not allowed this to happen. I want my money taken from my account returned as they took it without authorization to do so just because they had my account information? That does not make it ok
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of the aforementioned accounts, and hard inquiry are the result of identity theft and fraud, I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer XXXX XXXX XXXX and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning the late payments reported on my credit report. After reviewing my credit report, I have identified discrepancies in the reported late payments, and I am seeking your assistance in correcting or removing these inaccuracies promptly. 
SHELLPOINT MORTGAGE XXXX I understand the importance of maintaining accurate credit information, and I am committed to resolving this matter promptly. I kindly request your assistance in investigating and correcting these inaccuracies at your earliest convenience. Enclosed, please find supporting documentation that validates my claim and provides evidence of the incorrect reporting. I believe that with your expertise, we can rectify these discrepancies efficiently. However, if they are determined to be inaccurately reported, I request that you correct or remove them from my credit report immediately. 
Thank you for your prompt assistance in resolving this matter. I look forward to a positive
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPDs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

In XXXX, Capital One Financial Corporation acquired ING Direct, including my existing ING XXXX XXXX savings account. This online only, high-interest savings account was renamed the Capital One 360 Savings account and had nearly identical features to the former ING account XXXX 
That changed in late XXXX when Capital One switched existing 360 account owners into a low-interest bearing account and re-branded the existing 360 Savings account as the 360 PERFORMANCE Savings account. Again, without notice, placing existing customers into a new, low-interest 360 Savings account. This lower interest rate has kept me from realizing several thousand dollars in interest. When I became aware of this situation in late XXXX, I contacted Capital One twice and spoke with supervisors. I was told both times that there was nothing they could do. 
I believe existing customers should have been placed into the more advantageous 360 PERFORMANCE Savings as a default. It is my opinion that this was an unfair and deceptive trade practice that likely affected a large number of individuals.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XX/XX/XXXX XXXX Balance Owed : {$510.00} ; XX/XX/XXXXXXXX Balance Owed : {$3500.00} ; XX/XX/XXXXXXXX Balance Owed : {$23000.00} ; XXXXXX/XX/XXXXXXXX Balance Owed : {$15000.00}.
Product: Credit reporting or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instruction for identified items to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block not being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions be me as the consumer. 

Account name : XXXX XXXX XXXX XXXX XXXX Account balance : {$500.00} Account name : XXXX XXXX XXXX In Account balance : {$240.00} Account name : XXXX XXXX XXXX  In Account balance : {$430.00} Account name : XXXX XXXX Account Balance : {$640.00} You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from date of notice. I look forward to your response. 

Thank you XXXX I want the transactions blocked and deleted from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX XXXXXXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX The following employers are reporting incorrectly & need to be removed immediately : XXXX XXXX I have attach my driver license for future reference. Please send me notification that these items have been deleted, as well as updated.I acknowledge that the above information is true and correct.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. XXXX ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an apartment lease account with XXXX on XXXX opened on XX/XX/year> that's now XXXX XXXX XXXX with the balance of {$21000.00}, a telephone account with XXXXXXXX XXXX opened on XX/XX/year> with the balance of {$640.00}, an utility account with XXXX XXXX XXXX now with XXXX XXXX XXXX opened on XX/XX/year> with the balance {$160.00}. Additionally, the addresses XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX not my addresses so they need to be remove do to inaccuracy. Furthermore the hard inquiries from XXXX XXXX Bank and Bank XXXX XXXX were not initiated by me and are incorrect and need to be removed. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.