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

I am a customer of Suntrust Bank, now Truist Bank since XXXX of XXXX Since the merger to Trust, my accounts have been plagued with problems. Listed below are the detailed problems : 1. They keep charging me overdraft fees and returning payments. I had overdraft protection with Suntrust which was linked to all three of my accounts, after the merger they unlinked them. I keep relinking them, but their system keeps unlinking them and thereafter charging me fees and returning payments made to vendors. To date I have been charged over {$1800.00} in fees and this not including fees that were charged to e do to returned payments. I had over {$150000.00} in the bank and they returned small payments and charged me fees. Customer service refuses to remove them, stating that they are not authorized and the hold time to speak with someone is over three hours at times.

2. They keep canceling my debit cards without notice or reason. They state that its a system area, but it keeps happening and its random. After they send me a new card which takes over three weeks to receive, they then cancel the new ones after 4 weeks of usage. I have been locked out of my debit card now for over thirty days.

3. All of my bank statements look distorted after downloading them from the website and several of my lenders would not accept them because they looked like someone had fraudulently altered them. 

XXXX. I had multiple fraudulent payments processed through my account from XXXX, XXXX and XXXXXXXX XXXX. Someone used my checking account to pay the bills on fraudulently opened accounts and Truist allowed it. I asked for a letter stating the transactions were fraudulent and they would not supply it. I asked for a fraud investigation and they asked me to reach out to XXXX. That department could not help me either. 

5. I am being charged analysis fees, and sometimes its over {$300.00} charged to my account. 

The bank has major issues and I am shuddering because of it.
Product: Credit reporting or other personal consumer reports

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation 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 reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Checking or savings account

I called Bank of America to report that we had lost my husband 's debit card was lost in XXXXXXXX XXXX XXXX. I waited to give them time to resolve the issue and used my XXXX XXXX XXXX XXXX checking account while they figured it out. They never canceled the card and continued to pay out of my account. I went from having {$500.00} to owing {$40.00} for bank fees. I filed a complaint and was told that the charges were approved and my claim was denied. They said there was a fee for some ancestor website when I called them. The amount was not even close to {$500.00}. They closed the account and told me they could do nothing else for me.
Product: Checking or savings account

Bank of America is joke and you have XXXX bank managers that are tampering with bank accounts blocking them so funds can not be withdrawn and putting people lives in jeopardy. I have reported to the Fraud Dept with BOA but they will not do anything since I do not have a bank account with them and will not update me or if they are going to do anything. 

The bank managers names are XXXX XXXX and XXXX XXXX with Bank of America in XXXX XXXX Texas at the branch located at XXXX XXXX XXXX XXXX. These XXXX men have tampered with a bank account that they had no business messing with and have taken fees from me in the amount of over $ XXXX. These men need to be stopped and lose their jobs. I have emails and threatening messages from them if I do not send fee 's but nobody seems to want to help. 

They have also given out my personal information to a man that is creating social media accounts under my name with my information. 

What is wrong with people? These people are crooks and need to lose their jobs and face criminal charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. I visited A XXXX bank for financial advice, and was given advice to closed a secured banking account without and safe briefings causing delinquency. Phone agents and other branches simply gave an apology and no help.

2. I have the suspicion that beaureus have different names. Causing Old or already taken care of accounts in different places, furthering my history and delinquency. 
My legal name XXXX XXXX XXXX And XXXX accept hyphens and Im guessing some ignored it 3.my biggest loans contributing to not receiving help is a business loan ( XXXXXXXX XXXX XXXX ) who was well aware I wanted a business loan and processed it as a personal one just to get it cleared Some bureaus flame I have no employee background even after trying to submit it Ive spoken to any and all accounts and branches and Im not being helped. 

XXXX XXXX
Product: Debt collection

The company located at phone number XXXX keeps calling me and harassing me for collection of a debt owed by my deceased brother, XXXX XXXX XXXX who passed away in XXXX. I am his brother and I have nothing to do with his estate which was settled by his family. They have been calling me and harassing me for over three years. I first started receiving phone calls from an individual who identified himself as " Mr. XXXX '' who threatened to sue me and report me to the credit bureaus, etc. if I did not pay my brother 's debt. I called the XXXX 's office in XXXX XXXX  where I live and the individual who answered the phone transferred me to another individual in his office who looked up " Mr. XXXX '' and the phone number and told me that this was just a fly by night collection agency who buys the the list of owed debt from companies that have trouble collecting the monies and then resorts to tactics such as calling and threatening family members to pay the debt. From what I was told, his company has also bought a number of " XXXX, XXXX, and XXXX '' numbers that automatically call out to individuals trying to collect the debt. I have been harassed by these individuals for three years now and I want it stopped and I am willing to take any legal action necessary to stop these people for using their deceitful tactics to collect money from other individuals who might have done their due diligence as I have in order to ensure that these individuals are identified as the frauds that they are!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax company, for decades, since the beginning of that company, has NEVER been able to verify my identity, and therefore, refuses to respond to my registered postal mailings, my emails, my phone calls, or anything. I have never received a credit report from Equifax, since the beginning of that company. They only thing Equifax has ever done is mail me a piece of paper saying they can not verify my identity. 

Today, I was denied the opportunity to open an account for home internet service because the internet service provider uses Equifax, and Equifax has frozen my credit report. Without home internet, I am unable to interview for online jobs with companies, and am unable to be employed online with many companies. All this is due to Equifax. 

This is not a one-time episode of Equifax meanness. This has been their everyday routine since the beginning of that company.
Product: Debt collection

I went to the XXXX department and at that time I had insurance and was checked by the front desk the attached file will reflect this. I do not understand why they sent me suddenly a letter from a credit collector. 
I am already paying another bill in XXXX XXXX for the emergency physicians which is XXXX dollars per month and it is unfair to me. I am the only earning member of my family, still in school, a total family of XXXX. 

Thank You
Product: Debt collection

XXXX is trying to collect a debt that I DO NOT owe them! I do not have a contract or agreement with XXXX so I would really appreciate it it they would remove the collection from XXXX, XXXX, and XXXX!
Product: Debt collection

I want to make sure something like this doesn't happen to other people. During a time of unemployment or right before I took out a small pay day loan. Because it took me about 6 months to find another job I was unable to pay the pay day loan company timely payments. They sent my account to Robinson, Hoover and XXXX XXXX XXXX XXXX. To date, I have paid {$1300.00} on an account I owed {$400.00}. Mr. XXXX said it was because of " attorneys fees ''. They also tried to go directly into my bank account without authorization and the money was not there either. The last phone call I had with him was today because he sent out the 4th garnishment to my new job and they had planned to take out over {$600.00} out of my next paycheck. When I disputed this with Mr. XXXX he said he would send my employer and updated fax stating I only owed {$300.00} and the account would be paid in full bringing my total expenses for a {$400.00} loan to {$1600.00}. I am not quite sure how they get away with doing this to people but it sure doesn't seem right. I plan on paying the {$300.00} so I do not have to be further humiliated by the tactics of this Attorney 's office. I hope you can find something wrong with this and turn them in for some kind of fraud against poor people such as myself who can not afford to pay off a debt all at once. The more payments I made the more the attorney 's fees stacked up. In total I was charged {$740.00} in attorneys fees. Do you really thing someone I owed {$400.00} to would pay an additional {$740.00} just to get what I had already paid them? I do not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Credit reporting Incorrect information on your report XXXXx Credit Bureau XXXX  Open Company response is in progress as of XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Several complaints I made for : Factual Data Corp. To remove the unauthorized inquiry from all three credit bureaus and to provide any documentation on this CFPB platform that display me consenting to a credit inquiry .... Factual Data Corp has fail to provide this documentation on all complaints. 
File # XXXX File # XXXX Factual Date Corp keeps insisting a letter was sent to me via mail ... that I never received. I am asking for those documents to be presented for review on this CFPB platform. 

Please upload files : Or delete inquiry.
Product: Credit reporting or other personal consumer reports

Experian refuses to remove items on my report, when I did not give written authorization for these companies to purchase or obtain my information, they are not the original creditors and i requested arbitration from this reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reports that I still owe them money when they sold my credit card debt to XXXX XXXX. I settled and paid off the credit card with XXXX XXXX collections. I called XXXX credit card company 2 times and they did nothing but put me on hold for 3 hours. I put in dispute twice with Experian and they did not help me either General Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$1700.00} written off. {$2300.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$2300.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Credit Limit {$1800.00} Highest Balance {$2300.00} Terms NA On Record UntilXXXX XXXX
Product: Debt collection

I am a victim of ID Theft. I have dealt with the company in the past. I had checked my credit report and notice I had a debt in the amount of {$6000.00}. I contacted the company immediately by calling and also writing a letter asking them to validate the debt. They have failed to comply with FDCP and I want this remove from all XXXX of my credit reports.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA Experian is in violation of 15 U.S. Code 1681, S-602 right to privacy and violation of 15 U.S. Code 1681B S-604A, C-2 and violation of 15 U.S. Code 1666 B. Regarding the Capital One Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681., FCBA-The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. FACTA The Fair and Accurate Transaction Act amends the Fair Credit Reporting Act ( FCRA ) to help consumers combat identity theft ; establish national standards for the regulation of consumer report information ; There are multiple violations that Experian is now responsible for. Privacy Violations-. Experian performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ). 

Account name XXXX XXXXXXXX Account number XXXX Account type Business Card Responsibility Joint Date opened XX/XX/XXXX Status Account charged off. {$2.00}, 543 written off. {$2.00}, 543 past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$2500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$2000.00} Highest balance {$2500.00} Terms - On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX CO XXXX CO XXXX CO XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days 120 Past due 120 days XXXX Past due 150 days CO Charge off Payment history guide Charge Off as of XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX 150 days past due as of XXXX XXXX 120 days past due as of XXXX XXXX 90 days past due as of XXXX XXXX  60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. 

Balance history XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$2000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Your statement Comment Current : Account previously in dispute - investigation complete, reported by data furnisher Account closed at credit grantor 's request. 

Previous : Account closed at credit grantor 's request. 

XX/XX/XXXX Account previously in dispute - investigation complete, reported by data furnisher XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX Reinvestigation info This item was updated from our processing of your dispute in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now OPTING OUT of any and all authorization I may have given you, whether WRITTEN, UNWRITTEN, VERBAL, or NON-VERBAL, as per federal privacy laws. THE PRIVACY ACT OF 1974 mandates criminal liability for willful and knowing violations, and it enforces the accuracy and fairness of credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY under these regulations. 

It is the policy of Congress that each financial institution must respect the privacy of its customers and protect the security and confidentiality of their non-public information. These institutions have an OBLIGATION with respect to the disclosure of personal information. The enforcement of these regulations is carried out by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons under their jurisdiction.
Product: Money transfer, virtual currency, or money service

1. The company is coinbase, a place to purchase cryptocurrency. I added XXXX USD to my account, but it never got added to my digital wallet, so it is stuck in limbo and I can't use it. It was suppose to be only 5-7 days from a bank transfer. I submitted it 2 weeks ago, they took my money XX/XX/XXXX and today is XX/XX/XXXX. I still have not recieved my money yet and the account says " pending. '' What company is this complaint about? 
www.coinbase.com a crytpocurrency exchange.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2025, I requested that my Venmo Account be deleted or canceled. They informed me that they can not delete my account without me providing a copy of a US government ID and a Selfie with the ID. 

All I'm trying to do is cancel my account and they are requesting private records and images. I am not comfortable with this and they do not have an alternative. They have allowed the account to be used without this unnecessary action, but are now requiring this burden when I want to cancel the account. 

I have attached the e-mail conversation with Venmo on this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to remove fraudulent information on my credit report. I have provided a police report. This is in violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Contacted by Chase telling me that someone in North Carolina applied for credit with my info. I was then " transferred '' to someone claiming to be with CFPB They said that two of my creditors put my info into Public Record. They stayed that they were going to either close my credit cards and tell the credit card companies they were in violation of TILA and FCRA. I said I didn't request them to do that, and was disconnected. Nothing about the North Carolina credit app. 
Don't know if case number XXXX XXXX was fraudulent or not. 
Phone number used was XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # 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 a account without my written instructions.
Product: Checking or savings account

In XXXX XXXX XXXX, I came to find out my income tax return was deposited into a fraudulent account. I contacted the IRS and set up an appointment. I went in on that following Tuesday to the office in XXXX AR where a trace was enacted and I was told to go to the Bank of America with the account number where the returned to. I went into the Bank of America where I met with a vice president and was told to contact my tax preparer while in his office I contacted XXXX XXXX XXXX, and she gave us the name of the Person who received my return. I met with the lady on that following Saturday at the Bank of America in XXXX TN on XXXX XXXX. Where I along with the tax preparer, XXXX XXXX XXXX and a banker talked about what transpired/ I was given a screenshot of the deposit going into the account. No one stopped her from leaving called law enforcement or anything. I contacted the police because I thought it was a scam with the recipient and the tax preparer. I contacted a tax advocate and {$840.00} dollars was confiscated from the account out of {$12000.00} I should have received. If the bank had followed guidelines set in place by the US government to prevent this from happening it never could have happened, so they are just as at fault as the person who entered the wrong account number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just filed complaint # XXXX, and the issue is almost identical here. Almost. Ill attach documentation for this account, it was a secured capital one platinum card i opened in XXXX of 2013. I paid a {$250.00} security deposit to open this account. After a few months, I became homeless and i couldnt make payments anymore. I left an outstanding balance on this account, but I already paid my security deposit. So, now that I am able to work now, I looked at my credit report and saw that this account was charged-off, damaging my credit. I remembered that I paid a {$250.00} security deposit when i opened the account, so I disputed the entry on my XXXX  credit report. Capital One responded and they finally ... after YEARS ... applied that {$250.00} security deposit to the open charges on that account and closed the account. Here is the reason for my complaint : A security deposit is held to protect the credit card companies against situations like this. That is what its for. Why .... would you place a charge off on someone's credit report. Capital One already had my money!!! They could have simply closed the account, applied my balance due to the security deposit, or forfeit the security deposit, and we would be done. They took the extra step to damage my credit! Capital One says they will return your security deposit in 60 days, but this is not true!!!!! Do not give them a security deposit, they will try and hold it forever. They held mine for over 4 years!!!!!!! Its not their money! I wa n't those charge offs removed from my credit report. They already had the funds to pay my outstanding balance. Damaging my credit was totally unnecessary!