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

On XX/XX/2024, I deposited a Cashiers Check in the amount of {$5800.00} into my Savings account. I even did two transfers from my checking account into the SAME savings account totaling an amount of {$50.00}. The total funds in my Savings account right now is {$5900.00}. When I went to withdraw the funds at the XXXX, NC branch, I was told that their was a block on my account and that I could go to a Truist bank in XXXX, NC to speak to a BRANCH LEADER to have it removed. I went and spoke to the branch leader XXXX XXXX XXXX ) and she explained to me that she would have the block removed the next day. I tried to withdraw my funds the next day & was told by XXXX that she apologized for giving me the wrong information. She thought I had a regular savings account. Instead, it appeared to her that I had a savings account that was automatically opened when I applied for one of Truists secured credit cards. I was told that I shouldnt even have been able to deposit or transfer funds between those accounts because the savings account was closed. That Friday, ( XX/XX/2024 ) I called XXXX back for an update and she said she would call me back but never did. She had an attitude with me that morning because she said she had a meeting and kind of brushed off my problem as well. I was so infuriated by that weekend that I filed a complaint through Truist about my experience with her. Moving along to Monday, I called the XXXX number for Truist. They explained the situation to me about the secured credit card account and said that they would need to submit a web form to the backoffice and that their response would take atleast 5-7 business. I was very upset but was patient and waited. On Saturday, XX/XX/2024, I went to a different branch on XXXX XXXX in XXXX, NC. There I met a branch leader named XXXX XXXX & she was an XXXX! She was so empathetic about my situation and I could tell her she was doing her best to resolve this problem. She apologized for all of this and told me that she would stay in touch with me until this issue was completely resolved. She has kept her word and has been emailing me back & forth since then. I truly commend how professional and diligent she is. On XX/XX/2024, I went to my local branch in XXXX, NC to try to withdraw my funds again to no avail. I was a bit irate as its now 2 WEEKS that I cant withdraw any of my money. I spoke to XXXX and XXXX who also extended their efforts to me. XXXX called me today and said she finally knows what happened. Apparently, whoever converted the old savings account to my new savings account closed not only the closed account, but the new account as well. It was told to XXXX that it would take 1 business day to get back to her about canceling the closure of the new Savings account. Tomorrow I am hoping to hear from her. Long story short, Truist Bank has been holding on to my money without clear expectation until today. I want them to be held accountable as this has messed up and made issues worse for my personal life. It is now XX/XX/2024 and I still cant withdraw all of my money.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Dear CFPB, My name is XXXX XXXX and I want to dispute a hard inquiries made on my credit report XX/XX/XXXX by XXXX XXXX XXXX XXXX 
This hard inquiry was made by a car vending company called XXXX, who said that they needed to run credit checks, which counted as hard inquiries against my credit, to qualify for a car purchase. 

After I agreed and they ran the credit check, which counted as a hard inquiry on my credit report, I was informed that the car was no longer available so I chose to not work with this company and purchased another car from another company and financed it through another bank. 

As a result of XXXX misleading auto sales practices, I now have 5 hard inquiries that are significantly impacting my credit score and I would like them removed immediately. 

After reading reviews about XXXX, I discovered this agency has very questionable integrity. 

Thank you for your prompt support in removing these inquiries, so I can enjoy the comforts of a good credit score that I deserve. 

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

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I formally disputed inaccurate and unverified information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The following accounts contain errors and must be removed unless properly verified per federal law : 1. XXXX Account # XXXX ( Collection/Charge-Off ) 2. XXXX XXXX Account # XXXX ( Collection/Charge-Off ) 3. XXXX XXXX Account # XXXX ( collection ) 4. XXXXXX/XX/XXXX -Account # XXXX ( Collection/Charge-Off ). 4. Bankruptcy XXXX # XXXX ( public ). 5. XXXX XXXX XXXX XXXX # XXXX ( collection/charge-off ). 6. XXXX XXXX XXXX - ( Collection/charge-off ). 7. XXXX XXXX XXXX XXXX - ( collection/charge-off ). 8. XXXX XXXX XXXX # XXXX ( XXXX ). 
Dispute Basis & Legal Violations 1. Violation of 15 USC 1681i ( c ) ( 2 ) Block of information resulting from identity theft. Due to data breach. 2. Violation of 15 USC 1681i ( a ) ( 1 ) 30-Day Response Requirement Under this statute, you are required to conduct a reasonable reinvestigation of disputed items within 30 days. Failure to meet this requirement mandates the immediate deletion of the disputed accounts. 3. Violation of 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to Provide Investigation Protocols If you claim the accounts were verified, I demand documentation of the investigation process, including the method, sources, and the name of the party who verified the information. Simply stating an item was verified without proof is a violation of my rights under the FCRA. 4. Violation of 15 USC 1681i ( 2a ) ( 5 ) ( B ) Improper Reinsertion of Previously Deleted Items If any of these disputed accounts were previously removed but reinserted, you must provide written notice within five business days of reinsertion, per FCRA guidelines. If you can not comply, the accounts must be permanently deleted. Request for Immediate Resolution If you can not substantiate these accounts with documented, verifiable proof from the original creditor, you must promptly remove them from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).
Product: Vehicle loan or lease

My Toyota Financial account shows CLOSED and I am still paying on this account
Product: Credit reporting or other personal consumer reports

I am formally requesting the immediate deletion of fraudulent inquiries from my credit report under the Fair Credit Reporting Act ( FCRA ). These inquiries were made without my consent and are a result of identity theft. The unauthorized inquiries are as follows : XXXX Inquiry Date : XX/XX/year> XXXX XXXX  Inquiry Date : XX/XX/year> XXXX XXXX XXXX Inquiry Date : XX/XX/year> XXXXXXXX XXXX  Inquiry Date : XX/XX/year> I have never applied for credit with these institutions. Upon discovering these fraudulent activities, I immediately filed a police report and submitted an FTC Identity Theft Affidavit, both of which are attached to this complaint. 

Per 15 U.S.C. 1681c-2 ( a ) of the FCRA, I am exercising my right to dispute and demand the immediate removal of these unauthorized inquiries from my credit report. Please confirm once these fraudulent inquiries have been deleted. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I wrote dispute letters to XXXX, XXXX and TransUnion disputing the inaccurate information reporting to my Credit Report. I was a Victim of Identity Theft and sent in the police report along with my dispute letters expressing my concerns and asking for the information to be removed. It has now been 30 days and these negative items are still being reporting to my Credit File.
Product: Student loan

I have asked if they have recieved my XXXX XXXX XXXX XXXX XXXX ( XXXX  ) form, keeps saying they never recieved it. I have requested forms and I have given my observing physican authority to fax forms signed and dated at requested by Nelnet or XXXX-Federal student provider. I have sent my forms 3 separte occasions and they keep stating the same reason : ( I do NOT know if to either to reject my application or delay my application on purpose to state form was not dated accordingly ) that my forms were never delivered. What I have done now just to be assured and confirmed that customer loan department recieved my filled out and dated forms. Is to certify my ( XXXX  ) packet using the United States Postal Service, just to be assured that someone signs and accepts my packet. I have recipets and pictures to show I have done everything they request of me. Secondly, when I recieved my correspondence when I sent out my packet ( 2 occurence-sent out ). I recieved an orginal letter from the department that handles XXXX  discharge program for me and my observing physican to refill ( for the 3rd time ). We the form it included a statement stating that my Federal student loans were going to be suspended for 120-days. That I am not required to make payments on my loan ( s ), but I am still receiving student loan charges. I am so confused and I do not want to be placed on a delinquent status with the credit bureaus.
Product: Credit reporting or other personal consumer reports

These inquiries are fraudulently on my credit report. I never authorized anyone to run my credit for these companies.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX Account XXXX Account XXXX : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Debt collection

I was notified by regular mail XX/XX/XXXX that Portfolio Recovery associates sued me at my local court for XXXX and was awarded a default judgment on XX/XX/XXXX. The clerk of courts said it was a unpaid debt. I reviewed the court file which did n't have much information. It had a certified letter envelope that was returned to the sender with my address that was stamped not delivered. I reviewed al XXXX credit bureau reports and all XXXX listed this judgement with out any original account number or original bank or lender.Nothing documented in the court file referenced what type of debt it was or how the total amount due was calculated. The clerk said that it was drawing interest XX/XX/XXXX. XXXX XXXX XXXX states XXXX original records must be included for a debt buyer to obtain a default judgment, the original account number, original creditor, amount of original charge off, proof that debt was purchased plaintiff, the date of last payment on original acct. And proof that the consumer actually owed the debt. This judgment court file did not contain any of this or any kind of original paperwork or even copies. It contained no type of itemized charges or payments. This debt collector entered this judgment XX/XX/XXXX waiting six years to let interest build before trying to seize my personal property and take my home. This does not appear to be a fair way to collect or report a debt. It appears to be intentional, wrongful and illegal. This is not my debt. I was failed by the courts when they granted this default judgment. This Portfolio Recovery debt buyer could 've acted in a timely manner if this were a true debt. I was never issued a subpoena and I have never signed any document with this agency. I was told that this judgement can be renewed for another 7 yrs. How is this even possible. The court document number referenced pages of other consumers that were sued the same day as I was and also granted default judgments. NC has the best credit reporting laws and this happens. The better business Bureau has this agency listed. It seems that they take pride in consumer not showing up and they win the case because it appears it 's valid. Then they let the judgement sit for years only to collect right before it is due to expire.
Product: Debt collection

This company is falsely reporting this auto debt. I also need the following requirements needed if you cant provide me this information then its illegal to report this account thats not reporting accurately.

I need mailed to me : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section

1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments
from my consumer reports
Product: Debt collection

My latest credit report shows multiple accounts that appear to have been added without permission and are incorrect. Please block and delete these fraudulent accounts at once.
Product: Mortgage

We have been asking this company where have they been wire transfering our payments to, no answer yet.
Product: Credit card or prepaid card

I always pay the full balance on my credit card every month. However I didnt receive my XX/XX/2021 statement, which caused me to miss a payment. On the XXXX statement, I realized that I missed my last payment. I was also charged a {$25.00} late fee and {$16.00} interest charges. I called Capital One. They forgave my late payment and agreed to waive the {$25.00} late fee. I was also told it was OK to make a payment {$25.00} less than the full amount due, because the {$25.00} charge would be reversed anyway. So I made a payment {$25.00} less than the full amount. That actually incurred another {$2.00} finance charges in my XXXX statement! 

I called Capital One again on XX/XX/211. They reversed the {$2.00} but didnt reverse the {$16.00}. 

Their practice was misleading and deceptive. I trusted them to do the right thing for me. I didnt look at my statement closely enough to understand what I was paying. I paid them something that I should not paid. Now they refuse to refund it.
Product: Money transfer, virtual currency, or money service

To whom it may concern, I would like to file a dispute on the XXXX  XXXX transactions on XX/XX/year> and XX/XX/year> with Citibank. Each transaction was for {$1000.00} to a total of {$2000.00}. 

The payments that were supposedly for the dental veneers that XXXX XXXX XXXX who is a dental XXXX XXXX  was supposed to provide to me. 

It's agreed that he'd provide veneers for XXXX of my teeth with total of cost {$3700.00} He asked me for deposits through XXXX, which I sent 2 times for a total of {$2000.00} as mentioned above. 

When it came to time to put the veneers on, I could not contact XXXX XXXX. He'd not return my multiple phone calls and text messages. 

It became obvious that he's not planning to provide the veneers that he promised to provide and took the {$2000.00} deposit and ran away with it. 
It has been over a month and I still can not contact him. 

I came to the XXXX Police Department to file a report. 

However, a police officer said that it's not a criminal matter but a scam, could not opened a police report. He suggested me to file a claim to the related institution. 

This scam by XXXX, he's damaged my teeth, I've been in a lot of stress in the last few weeks from not being able to eat solid foods, the pain from the damage teeth and the feeling of being a victim of a scam. 

Police officer said this is a scam but Citibank N.A. has not resolved this issue and has not refunded my money back. 

Could you please help me this scam for a refund money? 

If you need more information, please let me know to proof all conversations, messages,... 

I greatly appreciate your help. 
XXXX
Product: Checking or savings account

Chase bank incident Incident date : XX/XX/year> Chase atm location : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Time of the incident : Approximate is XXXXXXXX XXXX XXXX XXXX XXXX Witnesses : Mother in vehicle, and the chase Atm Cameras. 
Filed Police Report : Case # XXXX Police report filed : XX/XX/year> Amount deposited : {$6000.00} Amount atm accounted for : {$4000.00} Amount missing : {$2000.00} Incident : Utilized 2 atms : The first outdoor atm, I walked up to, as someone was inside the sealed indoor atm. I deposited {$6000.00} at the walk up atm, and I noticed that it only accounted for {$4000.00}, so I pressed cancel as it was incorrect, and after ATM returned my cash, I noticed money stack was lighter. It did not provide a receipt as I canceled it. When the indoor atm became available, I ran inside to count the money, because I didnt want to get robbed outdoors, with so much cash on hand. When I proceeded to utilize the atm indoors, and count the money, it was only {$4000.00}. I quickly realized the atm did not return the full {$6000.00}. I proceeded to deposit what I had left of the {$4000.00} into 2 transactions, and called chase at XXXX, which was the phone number provided on the atm. I explained the situation to the Chase Claim department, and they provided a claim number # XXXX. I was informed that they would investigate and get back to me in about 8 business days. 
On XX/XX/year>, I received an email from XXXX : XXXX notifying that they did not find any errors and declined additional assistance. I decided to call the Customer Claim department once again to appeal that decision as I am still {$2000.00} short. They stated they would reopen the claim. I also called the bank manager at the location XXXX XXXX XXXX XXXX, XXXX, FL XXXX, at phone XXXX, and spoke to an employee named XXXX, and she than connected me to the bank manager. She stated she would conduct an audit on the atm and bank transactions. 
On Friday XX/XX/year> I had 2 missed calls from XXXX at XXXX, I called back at XXXX XXXX  and received a message that the office was closed. I left a voice message requesting a call back for an update. On XX/XX/year> I received an email stating they declined the claim as they could not find any errors or extra money. They could not find the deposit. 
Today XX/XX/year>, I received a call from the XXXX claim department from XXXX. At XXXX XXXX, they reiterated their decision from the email date XX/XX/year>. They will not proceed with any adjustments. I explained that I would proceed to file a police report. I called the bank manager and explained my disappointment. I did not receive a copy of any audit. How could {$2000.00} disappear without any account for it? The atm keeps all transactions recorded and an audit could determine extra cash at any atm machine. The bank manager requested that I wait until XX/XX/year> to allow them to complete the full audit. She failed to call nor provide any further updates. 
Please provide proof of audit and the action take on this case as {$2000.00} can not just go missing without detection on Atm machines.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed offenders to repeat exploiting the system. Leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.