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

XXXX I write checks to many companies. My bank is Citizens Bank. XXXX XXXX company deposited checks XX/XX/XXXX. They scan and deposit like many companies. Somehow by mistake, XXXX XXXX redeposited XXXX of the checks from XX/XX/XXXX physically through teller. My bank cleared it again. When I call to clearify what has happened, one of their supervisor told me they do not have system to stop this yet. They will refund my account 24 to 48 hrs. Thats not my problem. My problem is that big banks does not have this fail safe system set up to stop such a happenings, it is literally scary. So anyone or any company could redeposit checks that is already scan for deposit it will get clear and they will have double the fund and consumer will be out of money for the time until bank or somenone catches it. If someone wanted to fraud you, they could redeposit scanned check and run with it. Citizens Bank supervisor told me, not only their bank but other banks do not have that system. Now this is really scary to consumer like me. Big banks should have thought about this when they did photo image depositing. What were they thinking?!. Honor system. This is my problem and it should be with others too.
Product: Payday loan, title loan, or personal loan

Okay I applied for a credit card from XXXX and was denied for too many discrepancies so I looked on my credit report and noticed there was 6 loans in collections on there from a loan place in XXXX that I never applied for. Here 's the amounts with case number ( what the credit report shows ) : $ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
$ XXXX... 
None of these that are on my report are any of which I applied for, I've never even been to XXXX
Product: Debt collection

Dear Sr : I received a debt collection letter from you. Do you have the right person? Can you supplyme with a contract or agreement signed with your company or the Creditor.PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITORVERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TOCOLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THATYOU CLAIM IS OWED.ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROMTHE ORIGINAL CREDITOR TO THE CURRENT CREDITORPLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BYTHE ORIGINAL CREDITORPLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINALCREDITOR TO THE SECURED TRUST AND THEN BACK TO THEORIGINAL CREDITORPLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOUHAVE VALIDATED THE DEBT.Please do not look at my credit report or report anything to my credit I dispute I owe thisdebt amount to you and that dispute should be stated on my credit report if you have reportedthis debt.PERMISSABLE PURPOSEPlease State why you have a permissible purpose to contact my credit. I disputethis. IF YOU PASS THIS ON TO ANOTHER COLLECTORI dispute I owe this debt to you. If you pass this on to another debt collector, please providethem notice of my dispute to owing this debt. Thank youfor your immediate cooperation.the XXXX
Product: Credit card or prepaid card

I have two complaints on the same transaction. ( 1 ) We are being charged for a balance transfer that we never received ; and ( 2 ) the company changed the offer rate even though we initiated the transaction in time and under the terms of the offer. 
We requested a balance transfer from XXXX XXXX XXXX Visa XXXX XXXX on XX/XX/21 in response to an offer of 7.24 % APR. Subsequently, we received a confirmation in the mail dated XX/XX/21 showing that the APR is 12.24 %. In addition, we hadn't even received the funds as expected. We contacted Cardmember Service on XX/XX/21 stating that we still have not received the funds, after confirming with our bank. Cardmember Service said that they initiated an ACH electronic funds transfer. They could not provide an EFT reference number ( I believe they referred to it as ACH Trace Number ). I confirmed our bank details with them, so it was not a mistake on our end. After speaking with several customer service representatives, they informed us that they would research and send us a letter within 15 business days. They also said that they would not offer the 7.24 % APR rate - even though we submitted the request online on XX/XX/21, they did not process the transaction until after XX/XX/21, which is after that rate expired. 
We received the credit card statement on XX/XX/21 showing that they charged our card for the balance transfer on XX/XX/21 at the rate of 12.24 %, yet as of XX/XX/21, we still have not received the funds and they are unresponsive to our requests.
Product: Debt collection

Well I've been checking my credit score often. And it just keeps dropping. I've contacted my insurance to see why these bills keep being posted to my credit but they said they're was nothing they could tell me about it, that I would have to contact the companies. So I called them and they basically told me that I had to pay them even if u had insurance at the time because it's been over three months. But I never got a bill and no elone ever told me a time frame that I needed to get this fixed until now.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I obtained a copy of my credit report from EQUIFAX and noticed an unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via dealer Upon discovering the unauthorized inquiry, i sent a letter to dispute the inquiry and requested its removal from my credit report. 
I am taking additional steps to protect my personal information and prevent further unauthorized activity. This unauthorized inquiry has negatively impacted my credit score and caused me considerable concern about the potential misuse of my personal information. 
I request that the FTC investigate this matter and take any necessary action to prevent further unauthorized use of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the items ast they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the items. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX XXXX, XXXX, CA, XXXXXXXX XXXX DPT EDXXXX XXXX
Product: Checking or savings account

Navy federal credit union, restricted my entire membership and restricted my checking my savings and my credit card that is a secured card without prior notice a month after opening the account due to info reported it to them by XXXX XXXX XXXX My rent is going to be due soon. I have other lenders that I have to pay Im a student I live alone in a different state by myself and I rent month-to-month.Im about to be homeless and on the streets thanks to this horrible financial institution with no heart
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a loyal customer of XXXX XXXX for years. I have kept current with my payments all up until the pandemic where I lost my job. I still communicated with XXXX XXXX in attempt to remain current despite my precarious situationXXXX XXXX XXXXXXXX not only refused to accept payment from me, but also closed my account with my consent. In XXXX I communiated to XXXX XXXX that I would tender a payment to them which they refused to accept. It has recently come to my attention XXXX XXXX has reported inaccurate data on my accounts for months. This an example of fraud. They breached my privacy and furnished data they had reason to believe to be incorrect. They also furnished data not permissible under the Fair credit reporting act. The account is currently being reported as a charge off and charge off accounts are not valid debts nor a certificate of indebtedness. To still be reporting data on an account which was written off, charged off, and/or you recieved compensation for is tantamount to Identity theft. Attached is a copy of my identity theft report filed with the FTC. 

I have reason to believe this is a billing error. Not only is it a billing error but it is an example of willful inaccurate reporting by the furnisher. I am demanding you delete all late payments, remarks, payment status, and charge off status. Until a full file disclosure is delivered to my address in accordance with 15 usc 1681g ( a ) ( 1 ), all potentially negative or adverse information should be blocked until the dispute is resolved in accordance with the consumers desires. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX has acknowledged this account is under dispute yet is reporting the dispute as resolved every month. Pursuant to 15 U.S. Code 1681s2 ( a ) ( 3 ) the financial institution furnishing information to consumer reporting agencies must meet the requirement by reporting that the account is in dispute status. As of XX/XX/2022, the major credit reporting agencies are not currently reporting the account as in dispute status. This is a failure to meet the requirement of reporting my accounts as disputed information. 
A financial institution such as XXXX XXXX Bank ( XXXX ) XXXX must provide a notice of negative information in writing to the consumer no later than 30 days after furnishing the negative information. The negative information notice can not be in a previous billing statement. I have not received such and I have reason to believe XXXX XXXX Bank XXXX XXXX XXXX XXXX is in violation of 1681s-2 ( 7 ) ( A ) ( i ) by not meeting this requirement. 
Pursuant to 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) financial institutions like XXXX XXXX Bank ( XXXX ) XXXX are prohibited from furnishing any information relating to a consumer if they have reasonable cause to believe that the information is incorrect. The phone calls and complaints delivered to XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX along with the subsequent responses cause me to believe that XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX is aware of the inaccuracies being reported and chose to willingly and knowingly report the information.
Product: Checking or savings account

When I joined the Military in 2011 I put my sisters name on my Wells Fargo Bank account in case of any emergencies. She has been on my account since. Recently upwards of 12k dollars was removed from my checking account due to a court judgement on someone who lives across the country but happened to have my sisters same first and last name. The middle initial was different and the date of birth was 17 years off but I guess those types of things aren't check? This caused my accounts to overdraft. Not to mentioned caused me to have a nervous breakdown worried I had just had my identity stolen. I contacted Wells Fargo and they are looking into the issue and have escalated the case to their Attorneys. I'm sure this will all be settled and the money will be returned to me, but how can something like this happen? Human error?? Is only one person checking these things? The middle initial on the person involved was a XXXX and my sisters middle initial is an XXXX.  Plus the other obvious things that should have been noticed. Something here needs to be done. There needs to be some better training on this within the business to make sure this doesn't happen to other people. This has caused a very stressful period in my life that I didn't need. Remedial training needs to happen and whoever is at fault here needs to be better supervised. Is this something I need to be worried about happening again in the future?? Should I changed banks?? I still have not heard back from Wells Fargo, nor have I recieved a refund. I figured all this out on my own by calling the clerks office of the people who withdrew payment. Please Help! Thank You!
Product: Checking or savings account

I just open this account and I have had consistent issues with the customer service I open this account after having issues with XXXX XXXX XXXX and their customer service so I figured BMO after having such a wonderful branch manager open my account as soon as I would n't have the same type of issues since opening this account not even in my first 30 days I have had horrible customer service on the phone I have been told misleading facts and statements regarding my account on several occasions my account is locked at night about midnight due to BMO updating their system but when I enter the correct login information rather than disclose to me that well this system is updating the online and mobile access to my account is restricted it locks me out and locks me out the account so then I have to call back in to customer service to get my account reset for it saying that I entered the wrong login information when it 's really a system cause automated error I am to the point of beyond frustrated with this company I have tried on several times to close this account and I 'm being told that because I 'm closing it within the first 90 days I 'll be charged fees for closing all of my accounts at this point I 'm waiting for one more deposit to hit my account and at that point I will be closing this account and if I am charged a fee I will be suing the original branch that open my account because these fees were not disclosed to me nor was it disclosed to me that I would not have access to my own funds or account information due to Errors By The automated system at BMO Branch I am appalled and outraged at what awful shity service that they have provided to me in regards to my personal and business account with this low-class Bank.
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Please delete this item ASAP.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by XXXX. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that XXXX would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on XXXX 's part to effectively handle the dispute. 

Furthermore, it is evident that XXXX 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, XXXX has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge XXXX to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that XXXX upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects XXXX 's commitment to consumer rights and data accuracy. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America credit cards through several different companies never applied service member civil relief act and interest rates were not calculated properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified of fraud from a credit monitor system ( IDProtect ), that multiple credit cards accounts were attempted to be opened and inquiries placed on my credit report all with XXXX, Equifax and XXXX companies. The dates of these inquiries include : January 22-24, 2023. XXXX inquiries were with XXXX credit card company ( XX/XX/XXXX and XXXX, 2023 ), which I called them about, and made them aware that the person was not I who attempted the accounts. They stated the person committing XXXX tried for a XXXX credit card through them, which they declined at the time. XXXX credit card representative stated the he would notify the Three Credit Bureaus XXXX XXXX XXXX. I then called XXXX XXXX to notify them of the XXXX inquiry on XXXX XXXX. They stated that they did not see an account opened in my name and that I would have to send them the XXXX report letter by fax, which I am doing today, for them to follow up with XXXX. I then also notified XXXX  credit card company of the inquires placed on XX/XX/XXXX and XXXX 2023. Per XXXX they could not do anything about the inquiries due to no account being shown under my name or social. They stated I would have to wait and call them in a couple days to see if there are any new accounts made in my name. They stated they could not notify the XXXX or XXXX since there was no evidence to be seen from them of fraud. After calling XXXX, XXXX  and XXXX XXXX, I then called each of the Credit Monitoring establishments. XXXX was notified of each inquiry and my account frozen to assist with further fraud attempt. XXXX and Equifax were also notified and all have been XXXX account wise. After reporting all of this, I will be sending the reports from XXXX to XXXX, Equifax, XXXX and all the credit card companies to help assist with deleting these fraudulent Inquiries on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was breach and compromise in 2019
Product: Money transfer, virtual currency, or money service

RE : Square Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX ) XXXX or ( XXXX ) XXXX On XXXX XXXX, XXXX  XXXX XXXX, deposit from XXXX XXXX XXXX XXXX XXXX XXXX business account to our Square , Inc. Merchant account, {$500.00} same day of transfer the company emailed a letter Deactivated the account and placed said funds in the amount of {$500.00} on hold until XXXX XXXX for no apparent reason I, had spoken to a customer service advisor, and they couldn't explanation why the account was deactivated after I received debit card. 

We are asking CFPB to look into this matter and help us retrieve said fund back into our business account. 
Thank you in advance for your services in looking into this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX
Product: Debt collection

I was informed by   XXXX   XXXX   XXXX   that my alleged account with them was sold to Crown Asset Management even though   XXXX   XXXX   XXXX   claim against was dismissed in court. I have called and left several voice mails with Crown Asset Management to discuss this matter and no one answers the phone or returns my calls. Crown Asset Management does not have a working website to contact them via the internet either. I would like any intended actions against me or my credit by Crown Asset Management to be ceased immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts have violated my rights. I XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Paid as agreed please delete XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Paid and closed please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX paid as agreed please delete XXXXXXXX XXXX dont see their account 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 or other personal consumer reports

I am a victim of Identity theft. The information listed below, which appears on my credit report, is the result of Identity theft. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2800.00}
Product: Checking or savings account

I opened a High-Yield Savings account on XXXX XXXX, at Lending Club Bank ( formally XXXX XXXX  ) with a deposit of {$5000.00}. Made another deposit a couple days latter. One deposit was returned. They froze the other one. I have been in touch with them regularly trying to get my money back .On XX/XX/XXXX I received a call from someone named XXXX XXXX. He told me the money had been returned to my checking account at XXXX XXXX XXXX XXXX, they never received it. Lending Club has been unable to give me a tracking number or find out what happened to my money. The Lending Club File # XXXX Please Help Me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complain against American Express. My problem started when I purchased a home located in XXXX XXXX PL, XXXX, CA XXXX. I never lived in this address, as soon as I purchased it I put on rent starting XXXX of XXXX. I dont know when someone used my name to open an account with American Express without my consent. I contacted American Express but they dont give me information about the account. They say they dont have information because the account was closed and they gave me the phone number of department of collection of American Express XXXX When I called to that number, I asked them if they have any type of documents signed by me confirming my identity or if they can verify the information of my ID they might have in my profile. I asked them what is the name and the address on the ID. I also asked them in what locations were the card used. 
They couldnt give me the information I requested and did not want to help to confirm the identity of the cards user. 
Im requesting to remove this account opened fraudulently from XXXX, XXXX and XXXX. 
Im attaching a copy of the police report of identity theft, Im attaching my electricity bill from XXXX confirming my address at that time.
Product: Student loan

I ca n't pay my loan. I am unemployed. Navigate just wants me to pay for forbearance everytime instead or lowering my payments.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, or XXXX did not follow the directions of my complaint. I did NOT ask for another investigation. AGAIN, this is NOT a dispute. Since you provided the results of an investigation, and I am within 15 days of receiving the results, I am now asking you to provide the method of verification under section 611 ( a ) ( 6 ) ( B ) ( iii ), which states the consumer reporting agency is obligated to give me with the name of the person or entity contacted for verification and a description of how the information was verified. 

With that said, regarding the item listed " XXXX XXXX XXXX XXXX XXXX' I want to know the name of the person or entity you contacted for verification, describe how the information was verified, the address of the person or entity you verified the information with, and I want to know did you forward all relevant information, including my original letter and exhibits? Transunion claims the data furnisher verified the account, while listing XXXX XXXX XXXXXXXX XXXX  as the data furnisher, but XXXX XXXX XXXXXXXX XXXX  sent a letter stating the court does NOT communicate and verify anything with the credit bureaus.