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

On the morning of Monday XX/XX/XXXX ( my birthday ) I woke up to start my day and checked my bank account, because I need some dental work done and I was going to make the appointment that day and I wanted to make sure how much I had in the account to do so. When I logged in around XXXXXXXX XXXX XXXX, I saw that my balance which the last time I had checked was about {$3900.00}. When I logged in, my balance was down to {$320.00}. I saw a ton of " PENDING '' transactions most around {$200.00} all from XXXX to XXXX that were NOT made by me. When I have used the merchant in the past it has been fine. I have used the account before, but these charges were not made by me. My claim was denied by Wells Fargo as they said because when I set the account up over a year ago and verified my identity to do so over a year ago that means these charges were authorized to be done. I have requested XXXX refund the money and look into these deposits made from my card that was saved in their system, and they aren't helpful. I contacted my bank WELLS FARGO when the charges were just showing in my account as " pending '' and asked them to dispute them all, but they have a 10 day dispute claim window and as of today I was just denied the claim, they allowed ALL the charges to go thru to my account, and now say it's on XXXX to refund. I have asked my BANK who I trust to hold MY MONEY to refund me until the investigation is done, this is wholly and truly UNFAIR and if this is how the dispute process goes, why would anyone trust banks to begin with, this is not okay, so I am now out {$3600.00} because I verified my identity over a year ago when I set an account up? Please help me here, Wells Fargo will not listen or re-open the claim, I thought I could ask for a re-consideration or something but they just hung up on me
Product: Credit card

I called Citi visa costco card to remove me as an authorized signer.I was told they needed to speak to the primary on the account.
Product: Checking or savings account

SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,
Product: Money transfer, virtual currency, or money service

Im submitting this complaint against PayPal. I am at XXXX  host and was sent {$2400.00} on XX/XX/XXXX to my XXXX PayPal. I tried to have the funds instantly transferred and they needed to verify my identity. I submitted my drivers license along with a scan picture of my face. They then sent a message saying that they were having technical issues. I called they asked me to connect the bank account thats connected to my debit card. I did that. They said it would take 24 hours. Now theyre saying it will take up to 72 hours and they will send me a message to let me know if theyre going to transfer my funds or not. I believe they are illegally holding my funds and Ive called twice and they keep on giving me the runaround.
Product: Debt collection

I received a call on Tuesday, XX/XX/XXXX from a debt collection agency called Dynamic Recovery Solutions ( " DRS '' ) claiming that I owed several hundred dollars in credit card debt for a card open under XXXX XXXX. I explained that I have never opened a card with this bank and that the charges were fraudulent. This was the first time I had ever heard of these charges from any party, yet a debt collection agency was now attempting to make me pay for fraudulent charges that I had never been given a chance to collect. After the call with DRS, I immediately called XXXX to file a fraud alert on my credit score with the three major credit rating entities ( I was told that once one of  them is informed of a fraud alert, the others are also informed ). I then called XXXX XXXX to inquire about the charges. They stated I had no account open with them and no outstanding balance. I called DRS back to obtain more information, and then sent me a series of documents, including correspondence sent to an address that I have not lived at since XX/XX/XXXX, which is likely why I was just hearing about these charges for the first time. I also learned that the charges were actually through a XXXX XXXX XXXX issued in some kind of partnership with XXXX XXXX. On this second call, DRS stated that I should send them any documents related to my contesting of the charges. So, I then called XXXX XXXX XXXX XXXX   services, followed directions related to the nature of this issue, and received automated instructions to send my dispute in writing to a specific XXXX XXXX XXXX XXXX, FL ( the letter is attached to this complain ). Accordingly, that same day, I mailed a letter describing the nature of my dispute of the charges ( they are clearly fraudulent because I did not incur them ). On my second phone call with them, DRS also stated that I should send them any documents related to charges or filings with any authorities. That is why I am reaching out to the appropriate government agency. I did not incur these charges -- clearly someone illegally obtained my information and used it to incur these charges and I should not have to pay for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 section2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the impression that Equifax has made their " Free '' services non-functional by design so as to sell their paid tier. I shall outline the facts below. 

On XX/XX/XXXX, I went to Equifax.com to check whether my credit score was " frozen '' -- as I had placed a freeze in XX/XX/XXXX after their well publicized data breach. It was impossible to create a functional working login and password on their main website or any of its services : MyEquifax.com, LockAndAlert.Equifax.com, etc.. For each of these Equifax services XXXX I could set up credentials but then the login and password were never recognized when I tried to log in. I called their customer support line around XXXX XXXX EST on XX/XX/XXXX and had to wait 50 minutes to speak to someone who only transferred me to another representative, making me wait another 60 minutes to transfer me to someone else. It was exceedingly difficult to merely place a freeze on my credit file. 

Furthermore, it took a series of emails with Equifax, in which they ignored my essential question about how to " reset '' my password, in order for them to finally send a password-reset email, which arrived on XX/XX/XXXX. When I finally reset my password today ( XX/XX/XXXX ) the new password, again, was unrecognized by MyEquifax.com. 

I believe that this firm has violated and continues to violate my rights to manage the privacy of my credit file. I believe that Equifax has purposely and willfully made its non-paid tier of digital services effectively unusable for XXXX citizens like myself who do not want to pay this firm to actively monitor and help me control the privacy of my own credit file.
Product: Credit card or prepaid card

I opened a Citibank XXXX ( zero-interest for transfers for 15 months ) credit card three months ago. Citibank XXXX has contacted me each month claiming that the banking information I have given them is incorrect and that the payment was rejected by my bank. I have made three attempts to correct the problem, each time being assured that the information had been corrected. I then get emails and harassing phone calls ( 7-8 a day ) saying that my account payment is overdue and that my automatic payment was rejected by my bank. I have called my bank each time and have been assured that no attempt has ever been made to withdraw money from my bank account by Citibank XXXX.
Product: Debt collection

I received a copy of my credit report and it showed a Public record on it when I followed up on it I found out that this is not my debt and it now its on my credit reports. When i contacted the  XXXX   XXXX   XXXX  of  XXXX   XXXX   XXXX   XXXX   XXXX , all he said was that he does not report to credit bureaus so there was nothing he could do. He filed this suit with the wrong social security number and now i have to pay the consequences on something that is not mine. He should contact the court that he filed this in an either withdraw or amend this. I want this off my credit reports.
Product: Checking or savings account

So its come to my attention that PayPal keeps emailing me with random stuff saying my account is delinquent and I have had issues trying to contact them that company is hard to get ahold of Im really upset how things were handled Im hoping to receive a compensation check up to {$15000.00} for the frustration I had with PayPal
Product: Credit reporting, credit repair services, or other personal consumer reports

21 UNAUTHORIZED INQUIRIES ON MY EQUIFAX CREDIT REPORT : XXXX XXXX XXXX XX/XX/1970 ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX AZ XXXX
Product: Checking or savings account

Im writing to file a complaint on Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees do to prolonged charges. This issue aligns with CFPB findings against Navy Federal Credit Union with similar practices, where transactions settled with insufficient balances although having sufficient funds. I believe this is unfair I would like an investigation into my account and transactions.
Product: Credit reporting or other personal consumer reports

This is my second time disputing inaccurate and fraudulent accounts found on my credit report. After receiving my consumer report in the mail last month, I started to dispute with all the companies involved. I My information has been leaked multiple times because of data breaches with companies such as XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, e

tc. I feel like I'm being ignored. Someone has used my information to open up account in my name. I am writing to dispute inaccuracies on my credit report formally. I know the recent findings by the Consumer Financial Protection Bureau ( CFPB ), highlighting that Transunion has engaged in improper practices when handling consumer disputes. Specifically, the CFPB has alleged the following : 1. Failure to Properly Investigate Disputes : Conducting sham investigations that fail to adequately address consumer concerns, including using faulty intake procedures and failing to notify consumers about investigation results. 2. Reinsertion of Inaccurate Information : Allowing deleted inaccuracies to be reinserted on credit reports due to a lack of proper matching tools and safeguards. 3. Violation of the Fair Credit Reporting Act ( FCRA ) : Failing to adhere to federal requirements regarding dispute resolution and accuracy in consumer reports. As per these allegations, I am concerned that the inaccuracies on my report may have resulted from such practices. The disputed information includes showing proof that my personal information has been leaked and used for another persons gain, without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.
Product: Debt collection

Today, XXXX XXXX, I received an alert regarding my credit reports ; therefore, I login to see a new collection account from the creditor. I 've never had a payday Looan with original creditor nor have I been contacted by the creditor. My credit toke a XXXX to XXXX point hit over something I 've never owed. I research company and noticed many other consumers stating they received hits on their reports this month as well unexpectedly. This should be illegal. I 'm just asking for relief. Repairing my credit after a bad marriage has been hard enough and to have this happen makes it feel useless.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Serval Companies has placed hard inquiries on my credit from XX/XX/XXXX until XX/XX/XXXX it has cause a huge impact towards my XXXX XXXX and I want to have those hard inquiries removed
Product: Credit reporting or other personal consumer reports

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. 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
Product: Checking or savings account

Fifth Third Bank posted overdraft fees to my account on XX/XX/XXXX in the amount of {$110.00} right after I made a deposit of {$110.00} to cover my transactions. The notification that is sent out says that customers have until midnight to make a deposit. But a branch representative told me that the system actually calculates XXXX hours from when the charged was made, not even posted or processed to the account. This overdraft cause my balance to be negative. I made two more transactions and transferred the money to cover the transactions of {$93.00} on XX/XX/XXXX, assuming that Fifth Third would reverse the {$110.00} worth of fees. The customer service representatives refused to make the reversals, and so my account was charged an additional {$37.00} on XX/XX/XXXX and another {$74.00} on XX/XX/XXXX. I brought my account current on XX/XX/XXXX. But the regional branch team refused to approve of the crediting my account. I finally received a reversal of {$110.00} on XX/XX/XXXX via chat after seeing a negative XXXX post of other bad experiences but customer service representatives and supervisors refused to credit the remaining overdraft fees of {$74.00} that were a result of the initial erroneous overdraft fees on XX/XX/XXXX, saying that the calculation was correct, there's a limit on many or much overdraft fees can be reversed and no one in the whole bank 's organization could help me straighten out my account. This is a horrible display of banking ethics and fraudulent scheme of not taking accountability for their system calculations and communications. I've only been told repeatedly that nothing could be done to satisfactorily resolve this issue in a timely manner, that such timelines and information are NOT disclosed to customers but to reach back out in the future for these reversals that happened presently, and tossed around numerous times without substantiated evidence that I was not curing my account with the adequate and on time deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chrysler capital auto loan shows as derogatory on my credit report and I dont know anything about this account
Product: Money transfer, virtual currency, or money service

I am writing in regard to a problem with Square Payroll. I joined Square Payroll on XX/XX/23 for my LLC. This LLC is my business for consulting and contractor work for reviewing patient charts and doing XXXX XXXX work. I ran the first payroll on XX/XX/23 which was to be paid out to the sole employee on XX/XX/23. The {$9400.00} was deducted from the business account on XX/XX/23. On the morning on XX/XX/23, an email was received that the account was deactivated and referred me to Section 11 of terms and conditions for the reason. Section 3, # 11 states that is is prohibited use the Services for any illegal activity or goods or in any way that exposes you, other Square users, our partners, or Square to harm ; or. And Section 11 of the general terms is related to Taxes. As such, it is unclear why my account was deactivated as I am neither engaged in illegal activities nor have any current outstanding tax obligations. I called customer service and was referred to Account Management representative XXXX who advised he could provide no further information regarding the deactivation. He stated that though the money was deducted from my business account, it no longer appears in my Square account and believed that the e-check was already sent. He referred me to Payroll representative XXXX for confirmation and she stated the payroll will not be run and that perhaps the money would be returned in 4 days. I called back later in the day and spoke with another representative who stated that the payroll would be run as scheduled and the direct deposit would be done on XX/XX/23. On XX/XX/23, though my account with Square Payroll was deactivated, the took {$41.00} for a payroll processing fee. 

On XX/XX/23, the employee payment was not received nor was the money returned to the business account. On XX/XX/23 I called in and was told the payroll had been cancelled on XX/XX/23 at XXXX XXXX. I requested the date of when my funds would be returned and they would not provide that information. 

I find it reprehensible that the account was deactivated with a reference to illegal activity which is a patently false accusation. Furthermore, the inability to definitively tell me exactly where my money is and when it will be returned is truly disturbing. I would like the money returned immediately. 

Sincerely, XXXX XXXX XXXX
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 Furthermore I certify that I am permitted by federal and state to file this dispute. I also understand that knowing and willful misstatements or omissions of materi al facts constitutes a federal criminal violation punishable under 18 usc 1001. Additionally these misstatements are punishable as perjury under 18 usc 1621.These collections found within my credit report are not related to any transaction that Ive made XXXX 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, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian refuse to update credit report/ remove accounts that are invalidly reporting ; they continue to say that they have " VERIFIED '' accounts with companies which is untrue. They reporting varies accounts missing account validation, no contracts with my signatures, amounts, account numbers, creditors contact information etc for the following : 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
Product: Credit reporting or other personal consumer reports

Experian closed 2 complaints before XXXX today without having addressed the issue in the complaints which is Experian stole 17 months of on time never late payments to XXXX and refuse to give them back
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of 2 accounts with XXXX XXXX XXXX and these accounts were closed on XX/XX/XXXX. XXXX XXXX continues to report payments as being late on my credit report on an account that has been charged off. XXXX XXXX reported in XX/XX/XXXX and XX/XX/XXXX. I don't see how that is fair or lawful when it continues to lower my credit score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my duties regarding inaccuracies in my credit report. Despite my submission, XXXX consistently respond within 24 hours stating the account is accurate without providing any evidence of a thorough investigation This practice violates the fair credit Reporting Act ( FCRA ) ,15 U.S.C. 1681i, Which mandate a reasonable investigation of dispute. Furthermore, XXXX actions XXXX also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding. ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

I have disputed the following items since XXXX with no valid verification Addresses not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NONE of the above are even licensed in my state to collect. 

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to a forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These Failures align with my experience, Where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumers