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

In XXXX my XXXX payment went from approximately {$1100.00} a month to {$2600.00} a month. I contacted the bank via email to ask what happened in late XXXX. My bank representative XXXX XXXX said the interest matured. I explained I would not be able to pay those kinds of monthly payments as a small business less than a year into operating and was looking into selling the business to an interested party. Additionally, because I was in Florida, I was unable to deposit money into the account as they had no branches for me to go to. 

I called and left messages to speak with XXXX and asked that she via email update the account to connect my XXXX account with the Huntington account so I could deposit money. I've never received a response. 

On XX/XX/XXXX they closed my Huntington account. I followed up again asking to speak with someone from the bank who could tell me what was going on and how to obtain the banks approval to sell the business. 

I emailed on XX/XX/XXXX, XXXX. I followed up again on XX/XX/XXXX as the bank ignored my emails and calls. XXXX on the XXXX said it's been sent to another dept. and someone would outreach. 

On XX/XX/XXXX my brokerage partner firm called and then emailed on XX/XX/XXXX also asking to speak with XXXX or a bank representative on how to proceed. 

On XX/XX/XXXX a rep named XXXX asked me for information regarding assets and said someone would come to take pictures of the assets. I called to try to speak to XXXX and asked for a call back. I emailed the requested information to the bank on XX/XX/XXXX. XXXX refused to call me back. 

On XX/XX/XXXX I again called and emailed the bank asking what amount I could send in to reduce the principle and adjust the large balloon payments and how to gain the approval to sell the business to my buyer. 

On XX/XX/XXXX a new rep named XXXX XXXX claimed to be the person to assist in the process. XXXX asked for information which I provided on XX/XX/XXXX. I again asked for a phone call. 
XX/XX/XXXX the brokerage firm provided the sales listing to the bank. 
XX/XX/XXXX the bank asked for information on the assets. I provided the information the same day. Asked about timelines and a call to understand the process. 

XX/XX/XXXX banks says they will submit for management approval for the asset sale and a revised amortization for the new payments after sale proceeds are applied or asks do I want a settlement. 

XX/XX/XXXX, I'm confused by the response so I ask for a call again with XXXX. XXXX replies that she can talk on XX/XX/XXXX after noon. I emailed XXXX on XX/XX/XXXX requested to speak at XXXX XXXX on XX/XX/XXXX and the best number to reach her at. No reply. 

XX/XX/XXXX, I call at XXXX to discuss. No answer. I leave a vm. I call again at XXXXXXXX XXXX and leave another message.
Product: Checking or savings account

I wish to file a complaint against Bank of America where I have a checking account. On XX/XX/2024 I noticed a debit from Bank of America on my checking account for {$100.00}. I did not authorize this payment. I called BOA to complain and they stated they would credit my account for the amount for the debited amount. However this did not happen and so I am writing you in the hope that you will see to it that my account is debited in the amount of {$100.00}. Please advise me of your action.
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. 

Based on the letters attached Experian continues to stall the investigation and refuses to conduct a proper investigation. 

I told Experian, to investigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Vehicle loan or lease

I applied for an auto loan last week and was NEVER approved for the loan. They debited my bank account for XXXX as well as XXXX.! will be contacting my bank today, but would like out government agencies to look into the practices of this business. these charges are taken, not authorized and after asking them why they charged me for a car they had no intentions of giving they had no reasonable answer. they have now taken the funds and will not return them to my account. Not to mention is the federal interest rate cap 21.9 % because they were trying to give me a 25 percent interest rate but couldnt approve the loan. You probably should look into the illegal terms and contracts they are trying to create.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  accounts 1 ). # XXXX XXXX XXXX  XXXX, XXXX ). # XXXX XXXX XXXX XXXX XXXX ). # XXXX XXXX XXXX XXXX, XXXX ). # XXXX XXXX XXXX  XXXX ). # XXXX XXXX XXXX, XXXX ). # XXXX XXXX XXXX XXXX XXXX ). # XXXX XXXX XXXX XXXX XXXX XXXX ). # XXXX XXXX  XXXX XXXX ). # XXXX XXXX, XXXX ) > # XXXX XXXX XXXX XXXX 15 usc 1681 section 602 states that I have the right to privacy 15 usc 1681 section 604 and section 2 it also state a consumer reporting agency can not furnish your account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have been told that the reason my claim was denied was one of two reasons an one was that i stated i said i was a victim of scam an gave my information. This is false an have never said anything claiming that. The one time i only stated anything close to that was when i made an example to the worker i was on the phone with who i clarified with him more than once that it was an example. He than to make it seem as if thats what happened when i kept having to defend myself that it was an example of what could happen but not what did happen. i brought up more theories and ideas to other workers an they never had a problem an understood i was just trying to give ideas. To know he used an example as a fact just shows the investigating you did on my account was not credible. To make it so easy for fraud to occur an with nothing to happen other than the customer having to pay double what he lost is beyond pro-consumer. I want a reinvestigation into my account an i also want to know what service provider i am using that you have because it seems two people cant have the same provider nor use a XXXX or a XXXX proxy to change the information coming from the phone. I was a victim of fraud and you guys are allowing your customer to be.
Product: Money transfer, virtual currency, or money service

Previously was able to use XXXX with my PNC accounts. It is asking to reauthorize and after entering credentials through the XXXX service PNC does not complete the authorization. It says they've made changes that prevent it. PNC customer service can not help. PNC is blocking and recommending to use the service it promotes and restricting competing services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} XXXX : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00} TransUnion : XXXX XXXX Balance Owed : {$400.00} XXXX  XXXX XXXX Balance Owed : {$140.00}
Product: Credit card

Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectified.XXXX
Product: Money transfer, virtual currency, or money service

Approximately, around the end of XX/XX/2021 I fell victim to an online investment scam. I was communicating with someone on XXXX and the person seemed trustworthy as I got to know them better and this person was explaining to me how I can invest my money and make more through XXXX  XXXX  through an app known as XXXX. However, eventually I then realized I was scammed as I could not withdraw the money that I have invested. I then notified my bank of the incident but they have refused to help me and have even ignored my letters to them to financially compensate me for the scam that I have became a victim of. Please refer to the attached letter for more details.
Product: Debt collection

I had owed hospital XXXX and paid in full, proof was sent to the debt collector but they are still saying I owe the difference that was sent to them and want an additional approx. {$300.00} in interested/fees
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I mailed a letter to Citibank exercising my rights as a consumer under the Fair Credit Reporting Act, and also pursuant to 16 CFR 313.7 ( f ). In this letter I requested to opt out of any and all authorizations I may have provided to Citi, whether verbal, nonverbal, written, nonwritten or implied. I asked that a letter of acknowledgment be mailed to me and have not received any response from the company. Furthermore, Citi is still reporting my personal information to the CRAs after receiving written withdrawal of my authorization to do so. A copy of the letter mailed to Citi is attached.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

i inquired how trans union was able to to add a chapter XXXX bankruptcy on my credit report and i was informed that information was received from public records however bankruptcy court informed that this information is not shared with credit reporting agencies, i immediately requested that chapter XXXX bankruptcy, case XXXX, be deleted from my report which has yet to be done. I received correspondence from trans union informing the information I already sent to them from the bankruptcy court be sent when i already sent this information. I am requesting that the chapter XXXX bankruptcy be deleted immediately by transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX, XXXX - Account # XXXX**** ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

ATG Credit LLC is continuing to report several False and misleading on my credit report : 1. Falsely classifying as : XXXX XXXX XXXX ( On XXXX  ) 2. Falsely Reporting Date Closed : XX/XX/2022 ( On XXXX  Only ) in order to re-age the account. 

4. Updated XXXX Original Creditor name to XXXX XXXX  ( XXXX XXXX on XX/XX/2022 3. Verified as Accurate and Updated with XXXX on XXXX  but continued to report Date Updated : XX/XX/2022, which means NO INVESTIGATION was conducted. 

4. Failed to Respond to XXXX  Dispute or Provide investigation results, but reporting Completed investigation of FCRA dispute - consumer disagrees 5. Did NOT provide dispute results for XXXX dispute, but updated the account without a investigation. 

6. Failed to ADD the required Consumer Disputes remark to my XXXX report, which was received on XX/XX/2022 by XXXX. 

XXXX received my dispute on XX/XX/2022, and I received no response as of today. XXXX received my dispute on XX/XX/2022 and requested that I verify my identity, however the investigation was completed during that process, without me receiving the results. XXXX received my dispute on XX/XX/2022 and completed a investigation by XX/XX/2022, and stated Verified As Accurate And Updated, however the Date Updated Remained : XX/XX/2022, which means no investigation was actually conducted.
Product: Debt collection

I used a template found on the CFPB site to dispute this collection account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since this collection agency failed to properly validate and send me everything that the CFPB says I can request.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution.

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers.

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your immediate assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX {$5300.00} XXXX XXXX {$10000.00} XXXX XXXX {$3600.00} XXXX XX/XX/2023.
Product: Checking or savings account

Citi bank closed my account and never sent me my funds in the remaining balance. XXXX XXXX
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 USC1681 Account : online information XXXX XXXX XXXX  original creditor XXXX XXXX This account is on my credit report twice.. The other account being XXXX XXXX XXXX # XXXX ORIGINAL Creditor XXXX XXXX. Both accounts are inaccurate with XXXX balance at {$2700.00}. While the other account reads {$2000.00}. XXXX XXXX XXXX XXXX  This is not my account. I have never applied for a XXXX XXXX card. Victim of identity Theft. XXXX XXXX # XXXX original XXXX XXXX XXXX XXXX This is not my account. I have never applied for a XXXXXXXX XXXX XXXX card. Victim of identity theft. XXXXXXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX I have never applied for a XXXX XXXX XXXX card. Victim of identity Theft. XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX I have never applied for a XXXX XXXX XXXX XXXX Victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX i have never applied for a XXXXXXXX XXXX XXXX card. Victim of identity theft. I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681i5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information/ ( A ) In generally, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation : and ( ii ) promptly notify the furnished of that information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX I opened a savings account with Marcus by Goldman Sachs through referral. I transferred {$10000.00} into the account on the next day and an additional {$30000.00} the day after. 
On XX/XX/XXXX I opened their app to check if the second transaction had been processed, only to find my account had been locked without any email notice or reason given. I called customer service several times throughout the day and the agent said it was because they couldn't verify my phone number ( which I have been using for XXXX years without any problem and which I used to call them ). The solution was they would mail me an affidavit for me to sign and mail back, and the whole process is going to take at least a month. I also asked whether my {$30000.00} transaction would still be processed and they said no. Since having them hold my {$10000.00} for a month was not too unacceptable, I did not do anything further and decided to wait for the affidavit. 
On XX/XX/XXXX, I checked my other account with another bank, only to find the {$30000.00} had still been processed despite what the agent told me. So now Marcus will be keeping my {$40000.00} for at least a month without paying any interest- which is unacceptable. I will need the money to pay for my tuition soon, and I truly don't know what to do. I called the customer service again and they said there is nothing they can do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS VICTIM OF IDENTITY THEFT, AS A RESULT THESE ACCOUNT IS REPORTING IN MY CREDIT, ILLIGALITY, IS NOT MINE AND NEVER AHD DONE BUSSINES WITH THIS COMPANY XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about USCB America previously and they responded by taking 1 out of 7 collection records out of my credit report. I need all other 6 remaining reports to be taken out of my credit report. They refused to discuss anything over the phone and they keep hanging up on me. The report number was COMPLAINT ID XXXX. The remaining dates and amount are the following : XX/XX/2020 - {$2900.00} XX/XX/2020 - {$230.00}, {$44.00}, {$190.00}, {$70.00} XX/XX/2020 - {$75.00}
Product: Debt collection

XX/XX/2018 @ XXXX CST. Call duration 6 minutes and 8 seconds Lady called, identified herself as XXXX XXXX. Spoke about a debt, then asked for my personal info. I explained that I don't verify nor share that on an incoming call. She immediately got a nasty attitude because I wouldn't verify. I asked for her to send a letter so I can get help to go over it. ( I am recovering from a XXXX and sometimes need help ). She then got even more nasty with me and said " No! Why would we send out another letter! '' I was taken back as I do not think my request was asking for too much. 

As I thought the call was over, I have to speak on speaker phone as a result of my XXXX. I said outloud " That lady was rude and needs to be reported! '' Again thinking the call was ended. XXXX XXXX was still there and said " Oh! I can transfer you to my manager '' I accepted her offer as I was hoping the manager would send me a letter. As XXXX XXXX was trying to bring her manager on the line, she experienced what appeared to be issues doing so. XXXX XXXX then said to me " XXXX, you are going to have to sit in queue ''. I was appalled. 

XXXX XXXX then came on the line and did not want to address any concerns only kept repeating " The calls will continue '' " Like I said the calls will continue '' All I asked for was a letter from the company in writing, nothing more.