23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the ongoing and egregious violations of my consumer rights by XXXX, XXXX, and TransUnion. Upon reviewing my credit report, I have discovered numerous instances of personal information being reported without my consent, including fraudulent accounts, unauthorized addresses, incorrect names, and inaccurate dates of birth. Despite my repeated attempts to rectify these issues by reporting them to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 
This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 
Attached to this correspondence, you will find documentation supporting the validity of my claims. the Consumer Financial Protection Bureau ( CFPB ), and the respective credit reporting agencies on more than XXXX occasions, the problem persists. Each time I bring these matters to the attention of the relevant authorities and companies, temporary remedies are applied, only for the same inaccuracies to resurface on my credit report shortly thereafter. 
This pattern of behavior has not only caused undue stress and inconvenience but has also put my financial well-being and personal security at risk. It is unacceptable that these companies continue to disregard my rights as a consumer and fail to uphold their obligations under the Fair Credit Reporting Act ( FCRA ). 
Attached to this correspondence, you will find documentation supporting the validity of my claims, including correspondence with the aforementioned agencies and evidence of the recurring inaccuracies on my credit report. I urge you to take immediate action to address these issues and ensure that my consumer rights are upheld. I expect a prompt and thorough investigation into this matter, as well as the implementation of measures to prevent similar occurrences in the future. Thank you for your attention to this matter. I look forward to your timely response and resolution of these issues.
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. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I telephoned Wells Fargo at XXXX at XXXXXXXX XXXX on XX/XX/2023. I spoke to XXXX. I made the following request : My landlord wants copies of my checking account statements. 

The only information I want my landlord to have is the deposits to my checking account and the balance of my checking account on the final day of each month. 

Please provide this documentation in PDF format. 

XXXX refused to honor my request. I asked to speak to XXXX supervisor. Next I spoke to XXXX. 

XXXX refused to honor my request. I stated that if my request was not honored, I would file a complaint with the Consumer Financial Protection Bureau and switch to another bank. XXXX still refused to honor my request. XXXX stated that she would provide me with a complaint reference number. XXXX did not provide a complaint reference number ; she put me on hold and did not return to the telephone. XXXX did not make a follow up telephone call to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank stopped reporting any update for my account on XXXX XX/XX/2022. 

I have contacted them on several occasions. They have repeatedly told me " we are updating our systems and will update your credit report in 45 days. '' 4 months later, still no updated account information to any of the credit reporting agencies I have made all payments on time and in full, even extra payments to make for an early pay off.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran without my permission on or about XX/XX/2023. The company admitted to the mistake but has not returned my call regarding fixing the issue. Attached is proof, an email from the XXXX employee who ran my credit without my permission, XXXX  app correspondence with proof XXXX ran my credit without permission, and a screenshot of the hard inquiry. 

MY EXPERIENCE HAS BEEN HORRIBLE SINCE JOINING THIS CREDIT UNION, I WAS NOT EVEN PROVIDED WITH AN ADVERSE ACTION NOTICE OR NOTIFICATION OF DECISION AFTER MY CREDIT WAS RAN. THIS VIOLATES SEVERAL FEDERAL REGULATIONS of the fair credit reporting act FCRA.
Product: Checking or savings account

Employed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), I was automatically given a NetSpend paycard in leu of a paycheck. Netspend company automatically canceled my card without my permission and sent a new card via postal service. I tried to active my card online and the website reroutes me to a login page to login before I active my new card. BUT the log in page on Netspend 's website will never load on any device or even different web browsers... So I have no way of activating the new card to access my wages ... Before this occurred I tried to make a payment on one of my credit cards balances using my last card but again Netspend deactivated my card WITHOUT my legal authorization. So now I have a rejected payment and no way to access my wages. The company is clearly engaging in behavior that prevents access to a consumer 's balance. Additionally, the terms and conditions state if a customer does not claim their funds the company closes the account... AND NEVER GIVES THE CONSUMER BACK THEIR BALANCE. The behavior is fraudulent and predatory. 

I see that the FTC sued NETspend in 2018 for the exact reasons THAT ARE STILL OCCURING. 
If I can not collect my wages, how many other employees are still victims of the continued fraudulant behavior that this company never stopped... they are still getting away with stealing wages of the lower economic class.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and was notified by transition and other credit reporting agencies. For the past few years I have been disputing account that was opened in my name without my permission. I also have several addresses listed that I have repeatedly asked them to remove and they wont. Finally I got tired of begging g hung up on and never getting anything resolved when calling them, that I paid a attorney for a bankruptcy in the amount of XXXX dollars just to get rid of the incorrect information and not even XXXX months later my credit began to go through the same things. XXXX XXXX never placed a freeze or an alert on my credit report. And just last year XXXX told me about a data breach and they use trans union and they still wont help me. Currently there is an address listed in XXXX that Ive never lived at. I really need help as I have exhausted all resources.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction bynthe consumer. I submtted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information was affected by the XXXX XXXX data breach as well as XXXX 's XXXX date breach. I submitted all the required documents per 15usc1681c and yet the XXXX XXXXs failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX AUTOMOT XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX shows three hard inquiries that are not mine shown listed below XX/XX/XXXX JPMCB Card  Services XX/XX/XXXX JPMCB Card Services XX/XX/XXXX XXXX XXXX XXXX I have contacted all creditors and credit reporting agencies about this matter and have verified that all inquiries are fraudulent but yet the hard inquiries have not been removed from my credit report
Product: Credit card or prepaid card

Purchase made at store location in XXXX MT on XXXX/XXXX/22. 

A commercial credit card was used to purchase blinds for a rental home in XXXX. 

The store employee had difficulty " getting the payment to go through. '' The purchase in dispute is for {$990.00} worth of blinds. I was given the following receipts at the customer support counter : Trans # : XXXX {$1000.00} ( {$990.00} + XXXX tax ) Trans # : XXXX + {$1000.00} ( Credit ) Trans # : XXXX {$990.00} The XXXX/XXXX/22, statement included the following charges and credits from the XXXX Store : XX/XX/22 invoice # : XXXX {$1000.00} XX/XX/22 invoice # : ( {$1000.00} ) XXXX/XXXX/22 invoice # : XXXX {$990.00} XXXX/XXXX/22 invoice # : XXXX {$990.00} I am certain the the extra {$990.00} is an erroneous double charge, and I have disputed it XXXX times. In all this time, I have not received any written documentation from Synchrony bank regarding the resolution of the first XXXX disputes, and was only informed of it being in Lowes favor when I called the customer support number on the Lowes statements. 

Regardless of their previous decisions, I am continuing the dispute the charge because I did not get XXXX sets of merchandise worth {$990.00} on XXXX/XXXX/22 from the XXXX Lowes Store. I have spent a lot of time on the phone and organizing my records to deal with this incorrect charge, and it is still not settled.
Product: Payday loan, title loan, or personal loan

Charging fees for late payments when an automated payment failed for no reason. Money was available in the account they were drafting from and a PDF Print Out from my bank showed the available balance and their fee. They continue to claim they don't see the money being charged against me and can't explain the fee.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my Experian online account was hacked and my email address and phone number on file were changed. I immediately called Experian after I received the email notification and after a long wait and calling various phone numbers l was finally able to speak to an actual person who was able to lock my online account down. I was provided with a case number and was told I needed to fax/mail certain information/documentation to verify my identity so the account could be reset. Over a month ago I faxed Experian a copy of my drivers license, social security card, bank statement and even a mortgage statement for the home/address on my credit report to Experian ( Fax : ( XXXX ) XXXX, Attn : Experian Consumer Affairs ). 

Ive called Experian Consumer Affairs numerous times and they say there is nothing they can do and transfer me to Fraud. Fraud transfers me to Membership Support. Membership Support says I need to contact Consumer Affairs as that is their area.and the whole process starts over again. 

I followed up with Membership Support via email and they informed me they couldnt find my faxed documentation and said I could use the http : //www.experian.comXXXX XXXX to try uploading my documentation again to speed up the process. I went ahead and did this.

At this point Im at a loss ; Ive sent sensitive documentation to Experian and have received no acknowledge as to whether its been received or not. Im locked out of my online account with no access at all. I d spent countless hours on the phone trying to get some semblance of answer with nothing to show for it. It is nearly impossible to speak to an actual human being at Experian and when you finally do speak with someone they just transfer you to another department with no regard for your problem.
Product: Credit card or prepaid card

This is the second time I have had to deal with this issue. I have a Visa Card issued by Bank of America ( BankAmericard ). On XX/XX/XXXX, I purchased an Airline ticket from XXXX XXXX. I used the US site and the ticket was purchased in $ US for {$850.00}. On the same date, there was an unauthorized " foreign transaction fee '' charged to my account of {$25.00} ( roughly 3 % ) even though there was no disclosure and the entire transaction was done in $ US. I am familiar that when you charge foreign currency that they apply a fee and I don't have a problem with that. When I alerted BofA on XX/XX/XXXX they immediately credited the fee back to me. More recently, on XX/XX/XXXX I again charged an airline ticket with XXXX to the same card. Once again the transaction was done in the US and on the US website, yet again I was charged an unauthorized " foreign transaction fee '' of {$21.00}. I called Customer Service and was given an uncompromising stance that " that's the way it is ''. I asked for a supervisor who, because of my long history with BofA, removed the charge. I believe this is a hidden fee grab by BofA that is neither legitimate nor disclosed when the transaction was performed. To be clear, I have no issue when the charge is in foreign currency, just when it is a straight dollar charge.
Product: Checking or savings account

I opened a CD account with BMO ( XXXX XXXX  a little over a year ago. The maturity date for the account was XX/XX/2024. Before the maturity date I went online to denote what I wanted to happen to the money when the account was matured. 

There were no options to set this in advance. There was also no indication as to what would happen to the money once the maturity date had reached. I assumed I could log on after the maturity date and then direct the bank as to what to do with the money. 

A day or two after the maturity date I signed back online, and it was clear that the money had automatically been put in another 1 year CD. Online, there was no option to pull the money out, or stop the process. I tried calling, however, they do not have a 24hr call line, and their customer service has limited hours. 

The first time I got a chance to call them was XX/XX/XXXX, about 15 days after the account had matured. I was told that there was nothing I could do to pull out my money, and that doing so would incur a penalty over {$1000.00}. The representative ( XXXX XXXX ) also told me that there was no one I could talk to, to try and resolve the issue. Finally, I was told that I could not even direct them in advance not to auto-renew my account next year, and my only course of action was to call them in 1 year, within 10 days after the account has matured, to pull out the money. Otherwise, I would incur a penalty trying to take out the money, and there is no way to stop this auto-renewal of the CD account.
Product: Credit card or prepaid card

Just got an unsolicited debit card by mail, a " XXXX XXXX XXXX Prepaid Mastercard by XXXX '' issued by XXXX. Considering that an identity thief has recently been using my personal information to request credit cards, this has given me quite the fright. Need I be worried about fraud in this instance? If this is not a case of fraud, should a business practice be allowed that is easily mistaken for fraud and identity theft and that causes customers hours of pain, worry, and loss of personal time? I tried to resolve this by phoning MasterCard, XXXX, and XXXX, but was unsuccessful since every phone number tried directed me to menus that automatically disconnect if something off-menu is wanted. If it is ok for these companies to issue unsolicited cards, they should at least be required to make it easier to resolve worries about fraud such as mine.
Product: Debt collection

Received bill for around {$180.00} and XXXX charges for a total of {$45.00}. Paid {$180.00} my XXXX deductible by check.. I would have paid {$45.00} but I have medicare and a rap around insurance and should not have to pay because my coverage. ( I really do not believe they applied to my insurance ). Also the XXXX entries {$45.00} were ( patient not known ) beside each. When I was speaking to rep from billing dept. she told me not to pay that, because I asked her about it. The calls every week ( I even called and them and said I would be glad to pay but thats why I have extra insurance for ) and I over and over explained to each person that I had insurance and they reluctantly took the info down ) .Each time the rep acted as if it was the first time they heard about it. I have had this problem with medical service. I give my medicare info and rap around insurance, then low and behold they do not file with my insurance. I guess too much trouble. Now the BURAEU OF MEDICAL ECONOMICS IS A CALLING. I must say I pay all my bills, and never refuse what I owe. Repeatedly I have talked to persistent reps and they say ok and -keep calling. By the way the next billings were changed to {$45.00} XXXX with no patient not known entry ), Funny thing a day ago I got another bill from the hospital for the original {$45.00} and an additional charge for {$12.00} for a visit to the facility. Now if I know they did not bill my insurance. HELP!!! I must tell you, I love my doctors and my hospital and I would never try and escape from paying I never will and I never have. *note : I checked the debt is not mine but is is mine.
Product: Checking or savings account

I have an online saving account with Goldman Sachs XXXX. I initiated a transfer out from XXXX account to a linked external account to fund a recent purchase yesterday ( XX/XX/22 ). Today I suddenly got an email saying the account was locked and I needed to call CSR. I called and was transferred to a fraud department after a long on hold time. I was told I need to go through identity verification and some form will be sent to me in mail in 7-10 business days. And I need to notarize the form and send back and wait another 3-5 business days to wait for a decision if the form will be approved and then I will be contacted to discuss next steps. I could not fathom why I would lose access to my funds for a good month of time. When I asked the fraud department how the form will be decided if the form can be approved and why I cant get the form the next day to speed things up. The answer was I dont know and I cant tell you more information. This is totally ridiculous to me. I didnt have trouble transfer funds in or open the account. And simply to lose access to my account for a month and not knowing if a fraudster is trying to access my account is totally unacceptable. There is surely a way to get me the form within a day and tell me exact steps that will need to happen to regain access as soon as possible within days. It makes me very uneasy to not knowing whats happening to my money and the casual attitude of the fraud department staff with I dont know answer to whats happening to my life saving is really frustrating.
Product: Credit card or prepaid card

In order to erroneously deny me a credit limit, Citi Bank lied and invented random disinformation that my balances are too high. My balances are about 1 percent of my credit limit. Why cant XXXX XXXX simply tell the truth and just have her people say they are really worried that the federal government will do a default rather than just randomly making up false information? Such defamation is despicable and disgusting.
Product: Bank account or service

I have been charge {$0.00} during a period of five months for a service I did n't activate or even require and which was activated with my consent, even after calling to deactivate the service the service has been charge twice after the first call to deactivate it.
Product: Debt collection

Credit bureau is in violation of FCRA, GRAMM-LEACH-BLILEY ACT and 49 CFR 801.56 among others.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Estate of XXXX XXXX XXXX -- -We sent CeLink the attached package on XX/XX/20. They have now cancelled out the entire short sale file stating their value expired XX/XX/20. We sent the file to them AFTER the value expired yet they are refusing to order a new value unless we RESUBMIT AGAIN THE ENTIRE FILE? -- -- -- -- -- Do they not understand how this short sale process works? -- -- - It seems as though CeLink is up to their fraudulent ways again. When is this going to stop?? We have to file a CFPB Complaint ON EVERY FILE WE HAVE WITH CELINK DUE TO THEIR INCOMPETENCE AND FRAUD. 

-- -- -- -- I want the valuation ordered -- - AS PER USUAL IN A SHORT SALE -- -and for this purposeful DEFRAUDING AND INCOMPETENCE from CeLink to STOP.
Product: Debt collection

I was living in XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX for 2 years and for last month to moving out they overcharge me from rental. I was complain to XXXX XXXXXXXX why they charge me too much? and the manager XXXX XXXXXXXX is XXXX told me if I not agree and she will report me and I will not able to rent anywhere ( she threateing at the office ). it was have another worker hearing that too but they quite. XXXX XXXXXXXX sent me to National collection debit {$3800.00}. I call the National collection to negotiate payment {$300.00} /month and tell them please remove disputed from credit report but they refuse to do that. 
It hurt my credit report, I can't apply for rent or mortgage loan and I'm struggling. 
I called the XXXX, XXXX, XXXX please remove all negative dispute from my credit report and they refuse to do so. 
I don't know what to do. Please help me.
Product: Checking or savings account

I opened PNC bank for promotion bonus. I clicked the link provided from PNC website and followed the instruction to open the account on XX/XX/2018. 
I met all the requirement of 10 debit transaction and over {$3000.00} direct deposit to get a {$200.00} bonus. However, I did not get it yet so I called PNC customer service.

The PNC customer representative told me that I opened the different account. So I am not qualify for this promotion. They said there were three different accounts to open for each promotion but When I opened this account, there were not option to choose the account for different promotion bonus. 

They changed the promotion requirement so They don't pay promotion bonus.