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

On the evening of XX/XX/2021 I received an email from BBVA USA compass, a bank that Ive been a customer with for the last three years, stating the theyve disabled my access to my checking accounts via online or the app. No reason was given and I couldnt get anybody on the phone until the morning. 

The morning of XX/XX/XXXX. XXXX I was transferred to a rude and nasty person named XXXX in the card fraud operations department. XXXX told me my accounts have been frozen and will be closed due to the number of disputes Ive sent it regarding unauthorized charges to my account. Theres only one person in this entire company that can freeze an account per XXXX and her name is XXXX. I have approximately 21 individual disputes totaling {$2200.00} from unauthorized transactions as I have a relative whos present incarcerated at the Georgia XXXX XXXXXXXX XXXX and we speak via email on the XXXX app whos the third party their corrections department sources out emails and phone calls too. Somehow someone got a hold of my card number snd was sending cash to different inmates through XXXX and XXXX which I never have used. Theres other charges such as overbilled hotel charges and other things BBVA already has ruled in my favor and close some of these disputes. 

When they closed my accounts, I have a balance of {$6700.00} which consists of my monthly social security earnings and some of my settlement for my backpack my from my social security XXXX case. I also received my stimulus check of {$1400.00} on XX/XX/XXXX the day they decided to freeze my accounts. 

I have no access to my money : Im a XXXX veteran whos low income on Social security XXXX. That {$6700.00} is my life savings and I cant even put gas in my car right now, pay my rent, lights, nothing! 

The rude people at BBVA said theyd send me a check once they conclude all of the open investigations of my disputes. They said that can take up to 45 days. 

This is totally and completely unacceptable!!! I need my money sent to me as quickly as possible! This company has no idea how this has screwed my entire life up and I can be homeless in the next two weeks if I dont pay my bills. Even worst case scenario the {$2200.00} they ruled against me for which they wont still leaves {$4500.00} of my social security and stimulus money I need!! 

Theyve discriminated against me for being XXXX, theyve treated me like a common criminal when Ive done absolutely nothing wrong! I want my {$6700.00} thats rightfully mine overnighted to me ASAP! 

Please help me with this rogue bank who thinks people have 45 days to get money back thats rightfully theres and they illegally freeze and cant live and will be evicted from their house and lose everything!!!!
Product: Credit card or prepaid card

On XXXX XXXX I was served a garnishment from an officer at my job ( XXXX tn ) from XXXX XXXX. On the garnishment it list Midland Funding LLc. 

I revived letters from XXXX XXXX XXXX law office regarding a XXXX  XXXX credit card in my name. 
I dont own this card and have a letter ( proof of fraud ) from XXXX  XXXX. 

I have already followed instructions of XXXX XXXX XXXX and faxed in the letter but on XX/XX/2023 XXXX XXXX XXXX sent a letter with FTC info because they want an affidavit of fraud. 

Please help
Product: Checking or savings account

I have a saving account in Discover Bank. On XX/XX/18, I wired $ XXXX to invest a project. Due to some reasons, I didn't invest successfully. On XX/XX/18, The investment company wired the $ XXXX back to my account. 

In XXXX, I decided to use fund in this account as down payment to apply a primary house loan. Since there is only " Incoming Wire '' for the transition on XX/XX/18 in the bank statement, my lender requested me to provide info about who who sent the money to me. 

Although I only request Discover to provide the other party 's name for this wire transfer, I still don't receive anything after 3 weeks. Attached is the message between me and Discover for this request. The processing time is extremely and unreasonably long. It exceeds their promised processing time too. It impacts my loan application which is time essential.
Product: Credit reporting, credit repair services, 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.I told the XXXX, XXXX and equifax to reinvestigate these accounts # XXXX however, they stated that everything was complete and accurate.But how is that possible if the open date, date of last activity and much more is incorrect.according to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly. 15 U.S.C. 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 7 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 the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have duplicate hard inquiries reporting to the consumer credit reporting agency. I have disputed this with the agency and they still do not remove them. They told me I need to contact the creditors on removing them. I have written to the creditors, also called them with no response to my dispute of the duplicate entries they are reporting on the same day or a day apart, same year for the same reason " auto financing ''.
Product: Debt collection

a judgment was filed for an expired debt by calvary collection agency for a debt of {$1700.00} with XXXX XXXX. they have contacted my employer to collect my bank information and garnish my wages. I have sent out letters to the original agency who had my debt which was XXXX XXXX and recieved no response from them. these letter span an avergage of 2 years. i have never recieved written documentation regaurding XXXX XXXX and that my debt was sold to a different agency
Product: Credit card or prepaid card

I had an XXXX XXXX XXXX Credit Card. I receive paperless notification from XXXX. On XX/XX/XXXX XXXX sent me an electronic letter stating " Your new account has additional information that needs to be verified in order to maintain your account. '' Granite this notification came 8 months after I had opened my account. I received an additional notification on XX/XX/XXXX, will attach letters for reference. On XX/XX/XXXX I received my XXXX Credit Report stating that my XXXX XXXX account was closed. I didn't check my XXXX Account until XX/XX/XXXX and saw the letters. I then proceeded to call XXXX XXXX and inquire why they closed my XXXX XXXX XXXX XXXX Account. They said because I did not respond and verify my address. I have never had to do this with any credit card before. My home address had not changed since I opened my XXXX 's account on XX/XX/XXXX. I know this for a fact because I signed papers on my townhouse XX/XX/XXXX and moved in XX/XX/XXXX. On that Monday XX/XX/XXXX I went to XXXX to find bathroom essential for my new 3 bathrooms. To save money I opened up a XXXX XXXX XXXX XXXX Credit Card. Also, I had a wedding registry at XXXX 's with my townhouse address linked to my registry. Several packages had been shipped to my townhouse. For these reasons, I believe that XXXX 's is well aware of my current address and should not of closed my XXXX credit card. XXXX is aware that they have lost a customer for life due to this. 

By XXXX 's closing my credit card, my credit score decreased. I would like the closed account to be removed from my credit score.
Product: Credit card or prepaid card

During the summer of 2018 I filled out an application for an XXXX XXXX ( Bank of America ) Credit Card while on an XXXX XXXX flight in XXXX Alaska. I turned the application into an XXXX XXXX representative ( flight attendant ) then waited several weeks, but never received either a card or a denial of the application. 

In the fall of 2018 I applied again for an XXXX XXXX ( B of A ) CC. In a matter of weeks I received a card in the mail, activated it, and began using it for travel purposes. 

In XXXX, and several times since then, while I have been away from home working in remote locations in Alaska, my wife has paid my CC bills. I just recently noticed she had paid an annual fee and accrued interest charges on an XXXX XXXX ( B of A ) CC I have never received, activated or used.
Product: Credit reporting, credit repair services, or other personal consumer reports

After learning that someone had access my profile and placed unauthorized delivery diversion instructions with a major package delivery company, once in XX/XX/2020 and then again in XX/XX/2020, I called/went online to request a freeze and get a free online copy of my credit report from Equifax and the other two major credit reporting agencies. In XX/XX/2020, I was told by an Equifax representative that I needed to submit a request and proofs by mail. I was told that the reason I needed to submit a written request with proofs was because I hadn't lived at my new address at least six months. Now, in XX/XX/2020, more than six months after I notified the post office and government of my address change, and nearly as long since I started using my new address at financial institutions and public utilities, I'm told by an Equifax representative ( only able to get through using my old address ) that I am still required to mail my requests and proofs, without any new explanation. I've had no difficulty placing freezes ( in XX/XX/2020 ) and getting free online credit reports with XXXX  and XXXX. My most recent XXXX  and XXXX  reports, generated XX/XX/2020, show my new address in the addresses section. XXXX  and XXXX  provided these reports to me online, through the XXXX website, in the same web session that I requested the Equifax report. I feel like I'm being singled-out and treated unfairly by Equifax, since the original reason Equifax gave for not providing the reports by phone/online is no longer valid, and they offer no new reason. When, years ago, I had an identity theft and tried to get a freeze and report from Equifax, and got the same response, only from Equifax and not the other agencies, about needing to mail proofs before they could do anything for me, so it doesn't appear to me that this is something new. I don't understand what causes Equifax to apply a different standard to me than they apply to some others - the most recent Equifax representative I spoke with said that not everyone is asked to submit their requests by mail and with copies of proof documents. Since Equifax only requires copies of the proofs, and not the originals, why don't they at least make it easier by allow submission of the copies online or by email? It makes me wonder if the company may be acting in such a way as to deter people from requesting these services from their company, while still conforming to the letter of the law.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report, and noticed i had the following fraudulent account reporting.

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 acct # XXXX amnt : {$4500.00} open date : XXXX Collection date : XX/XX/year> 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 fur
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. XXXX, Equifax and XXXX are reporting fraudulent unauthorized accounts on my credit file that are violating my consumer rights and damaging my reputation. I have reported these accounts fraudulent to the companies that are appearing on my credit file as well. I have filled multiple complaints and I am not getting a response in my favor. I have attached all of the following documentation that prove these are fraudulent accounts and need to be removed from my credit file immediately. 
The following accounts are listed below : 1 ) XXXX 2 ) XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and EQUIFAX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}
Product: Money transfer, virtual currency, or money service

I received my funds to my account XX/XX/year> I sent funds out to get product for my company the next day. I waited a week and never received anything product for my business so I put in for a recall on the funds. I received my funds back into my account XX/XX/XXXX. I went to the bank that morning to take out money because I already was behind on taking care of business for my company and was told by the branch to wait a day but also was told that I can use the atm. I use the atm machine and my account instantly had a block on it. Ive been calling and not being told to much of anything. I finally reached out to somebody XX/XX/XXXX and they told me that the check was sent out to me and I should receive it between 7 to 10 business days here it is XX/XX/XXXX and I still didnt receive any funds so today Ive been calling Citibank branch Ive been calling Citibank business and still I have been getting the runaround when it comes to the closeout check. Now all of a sudden Im just being told they dont know whats going on and every time I get on the phone with someone they proceed to hang up the phone on me and today they also was telling me that no funds will hold out for me the funds will be sent back out to the original sender and Im constantly telling you that I am the original sender that money was a reversal sent back to my account and now theyre trying to take the money that was reversed back to me and sent it to the person who sent it to me all the way back in XXXX. Im highly disappointed and confused with how Citibank has been handling me and handling my business I will highly appreciate it if someone reach back out to me as soon as possible and help me resolve this major issue that I have. Thank you The issue of the Citibank business that Im having a problem with is located at XXXX XXXX XXXX in XXXX XXXX, TX XXXX My name is XXXX XXXX Business name : XXXX XXXX  Phone number : XXXX
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX, I switched phone companies from XXXX  to XXXX XXXX XXXX. The first few months of being with them were good but down the line, I realized that 1, they were charging me almost {$200.00} for a one line phone on top of charging me and other $ XXXX for tv and internet. In XXXX of XXXX, XXXX XXXX XXXX proceeded to turn off my phone and told me i needed to pay a certain amount to get the phone turned on, which i did but they told me that I needed to pay more in order to get the phone turned back on. I called customer service and was on the phone for over an hour with 3 CSR and they proceeded to argue with me instead of correcting the mistake they made.I ended up switching back to XXXX and some months later, I checked my credit and saw this debt on there and have not received anything in writing. The truth of the matter is, they will not be getting any money from me because of their fraudulent ways. XXXX XXXX XXXX is a money hungry company and they will do anything to make a buck off of someone.
Product: Credit card

COMENITY BANK /XXXX ACCOUNT # XXXX KEEP SHOWING UP ON MY XXXX CREDIT REPORTS ( XXXX , XXXX AND XXXX )
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, EQUIFAX is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT # XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with LAW SUIT, litigation AGAINST these XXXX entities the XXXX XXXX PROPERTY OF THE SOCIAL SECURITY ADMINISTRATION FOR WHICH IM THE CARD HOLDER
Product: Credit reporting or other personal consumer reports

This Person ( AVANT LLC ) has never received written/typed or any kind of instructions from me to furnish my data information. While it is your companys policy it is by FEDERAL LAW that their company policies must abide by. With out receiving a written letter of any form you have subjected yourself to committing IDENTITY THEFT. I've disputed information XXXX furnished to my consumer report I did not give written permission to. THEY HAVE VIOLATED MY RIGHTS ALSO UNDER THE FDCPA UNFAIR PRACTICES. AS STATED UNDER THE CIVIL LIABILITY IN THE FDCPA, AVANT ARE LIABLE FOR A FINE UP TO XXXX XXXX DOLLARS FOR EACH VIOLATION. AS I HAVE DOCUMENTED EVIDENCE UPLOADED.
Product: Student loan

This is related to a previous request, Case number : XXXX. 

Based on the success of my previous request. I have requested that my co-borrower be released from my loan. ACS stipulates that I must make 24 consecutive payments for this to occur. However, since my payments were misapplied, ACS is not showing that I meet the stipulation. 

If my payments are adjusted correctly and the overage balances are moved forward, I believe I meet the requirement for the co-borrower to be released. I would like to see a full audit of my account and payments, along with the stipulations of my loan, to have my co-borrower released from the loan. I would also like to know the stipulation of my loan in the event of the death of the co-borrower.
Product: Debt collection

I was reviewing my credit report and saw that a company by the name of Financial Management Solution was listed on my credit report stating that I owed XXXX XXXX XXXX {$3500.00} dollars. I was angry because I have never received any notification about owing any money to this apartment complex. I do remember living and moving from their complex back in 2013. I disputed this claim on XXXX web and XXXX wesite and ask them to provide me from the collection agency proof of this debt and how I came to owe this but I have received nothing. Nether credit bureau will say how I actually owe this money they just keep the collection listed on my credit report not explaining what happen in the investigation There is no court documents or anything. I believe the reason why they have done this is because while I was living there the apartment had many housing violations and I filed a complaint against them with XXXX XXXX 's County Government, Property Standard Division. The inspector charged and fine them and they in return ask me to move and so I moved to where I current live now but prior to me moving here the XXXX XXXX XXXX  manager lied on my verification form of my residency with them and stated that I was participating in criminal activity to hinder me from getting my apartment at the XXXX XXXX XXXX ; but it did not work because they lied and the manager did not believe them. So they have place this on my credit report in retaliation. I have documentation of all that I have stated I will mail the documents to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT IS CLOSED AND STILL SHOWING OPEN WITH LATE PAYMENT SHOULD BE SHOWING CLOSED AND NO LATE PAYMENTS