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

On several occasions leading up to the 'date of discovery ', I attempted to access and change my on-line access to Bank of the West. On any of these attempts, I was never given any alerts that I had tried to sign in, or that my password had been changed. During the summer of XXXX, we were dealing with the hospice care of a parent, so non activity on the dormant account was normal. The bank had locked me out previously when there was no sign in activity for a few months. 
I have elevated the following details to XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX to no avail for an immediate resolution to refund all the funds via cashiers checks by XX/XX/XXXX. 
When I could no longer access during after hours, I decided I needed to update the account and went in to pay off my XXXX and could not get in. I called and explained the numerous attempts. After a long process, the employee tried to send me an email alert to no avail. This should have prompted her to hear my complaints about several times I would not get the email verification code. I had to give a new email for final access. That is when I discovered a pending {$40000.00} advance on my XXXX. I told her that was not my transaction. I had to insist that she transfer me to XXXX, who later was incompetent about the whole crisis. I asked them to lock the online account and then after an hour, the supervisor told me that she had locked the checking and savings but it was too late to transfer the call to the HELOC to lock it. They suggested I wait the holiday weekend and go to the branch for more support. Both my husband and I went to the branch at XXXX de XXXX and reported the fraudulent activities. We saw XXXX plus transactions from XX/XX/XXXX and filed a complaint and was told the account would remain locked for the erroneous XXXX XXXX transactions. The XXXX XXXX reviewed the transactions and said Bank XXXX XXXX would have to agree to allow Bank of the West to reverse the illegal transactions. I provided a police report which is under review with XXXX XXXX XXXX XXXX for XXXX XXXX. The Bank of the West continues to refuse to immediately refund the funds from my complaint of their lack of security, missed notifications of abnormal spending, and the negligence they have from the onset and since the freezing of the accounts. Upon the initial reporting I made on XX/XX/XXXX, there had been XXXX transactions - unknown and unseen - since the account had been compromised and I never received any alerts regarding access or possible change to the phone # s, emails, or erroneous transactions. Once I reported on XX/XX/XXXX ; the pending {$40000.00} was not blocked ; and an additional balance remaining on XXXX/XXXX/XXXX in the amount of {$45000.00} was also compromised even though I had reported the previously discovered hacked accounts access. The hacker was transferring funds from XXXX savings accounts, a XXXX XXXX checking and savings account, and XXXX other business ( DBA ) accounts. They transferred over {$130000.00} between these accounts into the account ending in XXXX where the XXXX purchases were allowed by the merchant via Bank XXXX XXXX.
Product: Student loan

I took out a student loan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in  the summer of XX/XX/XXXXto attend XXXX University. My mother, father, and grandmother are co-signers. At this time I was led to believe that HESAA was a federal loantheir literature said that they were federal and there are photos of Governor XXXX XXXX and the New Jersey state seal on their website. I took out another loan, again with my mother, father, and grandmother as co-signers, through HESAA in XX/XX/XXXXto attend graduate school at XXXX University, again believing that it was a federal loan. I began to make payments on the loans in the fall of XX/XX/XXXX, after I discontinued my graduate education. At this time, I realized that they were not federal at all, given that there were no options for income-based repayment. Ever since, I 've been dealing with their exorbitantly high repayment options and inhumane methods of communication ( constant phone harassment and very rude customer service reps ).
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX Office of the Attorney General California Department of Justice XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 

Equifax Credit Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute and Request for Correction of Inaccurate Late Payments on Auto Loan Account [ XXXX ] I am writing to bring to your attention a matter of significant concern regarding inaccuracies in my credit report, specifically related to late payments on my auto loan account with XXXX XXXX, identified by account number [ XXXX ]. The inaccuracies have had a detrimental impact on my credit score, and I am seeking your assistance in rectifying this situation. 

Description of the Inaccuracies : Upon reviewing my credit report from [ Credit Reporting Agencys ], I discovered that there are inaccuracies in reporting late payments on my auto loan account with XXXX XXXX. The reported late payments are not reflective of my payment history, and I believe they have been erroneously included in my credit report. this company has reported payments late for the months of XXXX XXXX XXXX XXXX and XXXX of XXXX, when all payments were made on time. i have requested and attached checks made out to this company that were sent from my bank to pay for this loan on time. i request that these late items be removed immediately Supporting Documentation : I have attached supporting documentation, including copies of payment records, bank statements, and any correspondence with XXXX XXXX, that clearly demonstrate the accuracy of my payments and the error in reporting late payments. 

Request for Immediate Correction : I am formally requesting that the Consumer Financial Protection Bureau, XXXX XXXX, the California Attorney General 's Office, and the XXXX major credit reporting agencies ( Equifax, XXXX, and XXXX ) conduct a thorough investigation into this matter and promptly correct the inaccuracies on my credit report.

Legal Precedence : I would like to draw attention to legal precedents where companies have been held accountable for inaccurately reporting information on consumers ' credit reports. One notable example is XXXX XXXX XXXX XXXX. This case highlights the importance of accurate credit reporting and the potential legal consequences for companies that fail to uphold this standard.

Consumer Rights and Protections : As a consumer, I am entitled to fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ). I believe that the reported inaccuracies violate my rights under this federal law.

Request for Confirmation : I kindly request written confirmation from XXXX XXXX  once the corrections have been made and the accurate information has been updated on my credit report.

I appreciate your prompt attention to this matter and look forward to a swift resolution. Please feel free to contact me at XXXX or XXXX if additional information is required. 

Thank you for your assistance in rectifying this situation and ensuring the accuracy of my credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a updated credit report from XXXX the source of the public record on my credit profile. I am asking for the Bankruptcy numberXXXX on my credit file to be investigated. I have proof that it don't belong on my profile.
Product: Checking or savings account

Fifth Third Bank on XX/XX/XXXX put my bank account into closure for " risk mitigation ''. At this moment in time I was running a campaign across the country in XXXX XXXX California. 
I was able to take money out the ATM through a tedious process until XX/XX/XXXX, they lied and said my bank card was deactivated and I could no longer take money out the ATM. 

Their decision to do this forced me to not be able to continue running my campaign and paying my contractors. 

This also forced me and my team into homelessness because we had no access to money unless we went into a fifth Third Bank which is nowhere close to XXXX XXXX CA. 

On XX/XX/XXXX fifth third bank sent a cashier 's check to my home in north Carolina that was the final amount in my account. 

I borrowed money from my family in order to make it back home. 

On XX/XX/XXXX I took the check to a fifth third bank in XXXX north Carolina and they refused to cash it, even though it was a fifth third cashier 's check. They told me I could sign it over to my aunt and they would allow it to be cashed, then the teller at the branch refused to cash it. 

We then took the check to the local credit union to cash, in my aunt 's account because I had already signed it over to her, which fifth third bank refused to honor because I did not verify who I was before the check could get verified and put my aunt 's account into negative {$2500.00} I then continued my mobile deposit on XX/XX/XXXX with XXXX XXXX XXXX XXXX and while on the phone with them verified myself and the check and fifth third bank honored the check. 

Then on XX/XX/XXXX, that following Friday fifth third sent an email to XXXX XXXX XXXX XXXX to not honor the check which put my account in the negative {$1600.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reporting an FCRA violation on my credit account with JMPCB ( See attachments for account ). 


JPMCB CARD XXXX The company is in violation of : 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The balance of {$630.00} on my XXXX credit report is evidence of that claim. Please see attachments for screenshots of reporting account.
Product: Debt collection

I was a XXXX customer for many years, but due to some unfair practices " Free Tablet offer than after receiving the free offer they turn around an charge you for it along with a monthly charge for usage. I decided to stop using their service. However, my equipment was paid for. It appears after i discontinued service they accumulated extra bills on that account and turn them over to me as debt. 
I do not owe the sprint company any money. the XXXX company sold my name IC System and the IC System reported me to two Credit agency XXXX XXXX and XXXX. 
With information obtain from XXXX service. I contacted XXXX Customer Care on  XXXX XXXX an the Rep. could not get access nor verified any information regarding that claim. I contacted XXXX XXXX and XXXX credit Bureau all of them fail to help me. I need HELP because the greed and unfair practice of XXXX have place my credit freedom on HOLD for far too long ... XXXX,, Help Please Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : Debt Collector : XXXX XXXX  Account number : XXXX Amount : {$340.00}
Product: Credit card

I have had a Walmart Credit Card for over 8 years. I pay off my monthly charges on the due date. XXXX it was Walmart Credit Card, and XXXX changed it to a Discover Card, and then late last year XXXX changed it to XXXX Bank Master Card. For the XXXX time I made a mistake on my balance, but was not past due. My XXXX Statement Balance due was {$2100.00}. I then made XXXX payments via XXXX returns of {$1900.00}, {$5.00} & {$39.00} totaling {$2000.00}, leaving a balance of XXXX. I had discovered this error last night and called today and made the {$81.00} balance payment online ; however, the credits more than covered the minimum payment. The error I made was log {$81.00} as a credit in my payment schedule instead of a debit. XXXX Bank had already charged me a {$25.00} late fee & XXXX interest charge for the {$81.00}. I then called XXXX and my late fee and interest charges were reversed. I just called XXXX bank to tell them of their unfair practices ; however, they hang up on me without speaking to me. When they do n't want to listen to complaints, their system becomes totally automated, and they wo n't even answer the phone. Thus, I have been flagged. In addition, I tried to make a purchase online, but the credit card is blocked from making any purchases, just because of their assumption that I am past due 15 days due to an honest XXXX mistake ; when I always payoff my monthly balance, but my credits more than paid off the minimum payment this month. My other dozen credit lines do not do this. They tell me if I have a credit from the last statement purchase, that it also counts as a current payment. and even though I only had a balance of {$81.00} due that I already made, but it really was not past due. XXXX Bank 's convoluted and unfair practice policies, tells me that the credits do n't count as a payment, but yet, my balance was reduced from {$2100.00} to {$81.00}. And then the interested should had been {$1.00} on {$81.00}, not {$12.00}. This bank is like a foreign bank, and it use to be GE Capital Retail Bank. I am outraged, that my credit card was blocked and that XXXX bank and XXXX is assuming I am past due, when I am not. More and more, XXXX 's bad business practice, bad customer service practice keeps getting worse. I do n't know what they get out of unfair practices leading to the loss of customers. I certainly do n't need to use these credit card when I have other dozen credit cards and credit lines. But as a CPA I do n't appreciate of my credit rights violated or unfair credit card practices. The are such illusive polyarchists that they do n't even have the integrity to publish their address on line. Thus, they do n't even care about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax yesterday to submit a dispute regarding the inquiries that are present on my Equifax report that I do not recognize and did not authorize. The customer service agent repeatedly denied my request to initiate the dispute over the phone. I want Equifax to investigate the inquiries present on my report that I did not authorize.
Product: Debt collection

I recently reviewed my credit report and discovered accounts that appear to be inaccurately reported. I contacted the company directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my report, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.
Product: Debt collection

I received a letter from Mediation Recovery Center for a debt I owe to XXXX Bank. The letter states, " If we do not receive your first payment by XX/XX/2021 we will review your account and proceed with appropriate collection efforts in accordance with state and federal law. '' In the state where this original account was opened, which is Texas, debt collection agencies can not threaten us with legal action. I'm not opposed to paying the one time payment but that statement offended me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many years ago I had a cook two cards with XXXX XXXX and one with Target and each of those cards I was able to negotiate a pay for a deletion where I paid the account in full and they promised me that they were going to delete those accounts from my credit report and both of those companies have since reneged on the deal and they tricked me and manipulated me into paying these balances that I did not believe were mine in the first place in order to remove them from my credit report which are they went and they sent me a letter saying that it you know it was going to be deleted and I since have sent them this letter and I have not been able to remove these accounts from my credit reports are they have in my opinion in a committed negligence fraud and I would like to take legal action and sue them for all the violations that they made in these instances and him as I told them when I have calls are at least 10 times I have tried to dispute both of these are items so all three of these items are over 10 times with the bureaus and Ive been unsuccessful in each attempt and I have provided documentation to prove my case and these are for accounts that are paid in full and like I said they promised to delete them so they have reneged on their word and now they are costing me thousands and thousands in as they ruin my credit and I want them deleted immediately if they are not deleted in 30 days from this complaint I am going to pursue legal arbitration and Im going to take this up with the courts because Im done with this this is my last attempt to get a delete it if they dont delete it Im taking legal action 1000 % so thats it
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX To Whom it May Concern : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing 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 Miscellaneous XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Reptg. Agencies 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 Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Banks XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SS # XXXX DOB XX/XX/XXXX ADDRESSS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit card

Im writing in reference to My Luxury Card Titanium Mastercard issued by Barclays Bank Delaware, formerly Juniper Bank which offers several cards for a yearly membership fee. Ive had continuous issues with this card and their support and security department have been extremely unhelpful and outright hostile and unreasonable in trying to help me resolve the issue. 

Essentially, Ive been traveling since XXXX of this year and tried using my card in XXXX for signing up to a transportation app for getting around the country Im in a security alert was raised and I called in to validate it was me. During this time, I changed my phone number to a less expensive service, and wasnt able to receive codes due to the restrictions that Mastercard/MyLuxuryCard have set wherein the phone number can not receive newly issued one time codes for a few months.

How do I verify that its me trying to use the card overseas? I provided all the screening questions they asked and PII. This apparently wasn't enough for MasterCard and they asked for me to submit additional documentation, now I didnt have a problem with that, but they asked to send it in over fax ( finding a fax service is difficult enough to do in XXXX XXXX. Theres apparently no other way they have setup in their protocols to validate identity other than some archaic fax machine that requires sending in documents. I went as far as attempting to use a mobile scanning documents fax app but wasnt successful in sending it even though I was instructed by their security staff, and followed every instruction provided. 

Now during this period, I became aware that my card was going to expire either way, and I would need one issued as the one that was sent out is unavailable to me. Mastercard told me that because the account is locked, they would need to unlock it before being able to issue the card via internationally forwarding services. 

So, I cant use the card because its in a locked state along with my account ( even though I can login and pay my balance just fine ), though they wont issue one time codes to the number on file until I verify my account by faxing in identity documents, they wont unlock the card for me to use, AND they wont allow me to cancel the auto renewal of the annual membership card fee which I was recently charged {$190.00} for. 

Its like theyre making it impossible for me to use the card they forced me to pay annually for, and have made it in all ways difficult to cancel membership of. Since the card was of no use since it was locked months ago, I had not used it and wanted to close the account but Mastercard comes up with this complicated process for ending my membership with them! I will never recommend card services with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$950.00} XXXX XXXX   XXXX {$2500.00} XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX {$480.00} XXXX XXXX   XXXX {$380.00} XXXX XXXX XXXX {$420.00}
Product: Credit reporting or other personal consumer reports

Please see attached letter. Incorrect information on my report