23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

my personal bank account was blocked when someone filed a fraud claim against my account due to " merchandise not delivered ''. 
The transaction originated XXXX XXXX ( amount {$580.00} ). opened a claim first week Of XX/XX/XXXX. {$510.00} was debited from my account -- This client continued to transact with my company and did not disclosed any issues. 

I have submitted proof of delivery, tracking numbers stating the items were delivered XX/XX/XXXX,, a sworn statement and a copy of demand letter sent to this person to revise the chargeback/settle payment. 

I have been a loyal keybank customer since XXXX. I am not the scammer here, yet this has caused me so much inconvenience, including multiple trips to the bank, multiple calls to the bank, emails and also, my paycheck goes through this account, I was not able to access it, I had to go to the bank for them to unblock my account for few minutes while I transfer my money to a different account so I can access it. I don't know what evidence the other person provided to them, this person is also denying she filed a claim with her bank, she even said '' the bank got it wrong ''. I told the bank about this. I called the bank yesterday and was told this is still under review. 

i am hoping this get resolves soon. I hope this person doesn't get away with $ XXXX and $ XXXX worth of merchandise for free.
Product: Consumer Loan

Pioneer services has a loan of ours which we stopped paying on because they cant send us proof of a signed contract. the time this loan was taken out our ID and SSN were stolen and a lot of drama came from it. For some of the stuff we actually thought it was us but turns out a lot of it was n't. Now they keep harassing my mom who I have n't talked to in a long time and calling her day in day out We are stationed overseas and do n't have any contact with her since my dad passed away. 

She is getting XXXX at us and we still do n't have papers showing a signature. 

We looked online and the papers on there do n't even have a signature. They have called her over 20 times now and its very tiring to hear from someone who we do n't even speak too!! 

They need to stop RIGHT AWAY with contacting her or any other person they think we might be related too. We do not live in Indiana nor will we ever and we are n't related to her in any way other then she was my dads wife while he was alive!!!! 

CEASE CONTACT WITH THEM ONLY CONTACT US DIRECTLY AND ALSO DO NOT CONTACT OUR EMPLOYERS!!! 

give me proof and I will gladly pay!!!
Product: Credit reporting or other personal consumer reports

I already disputed these accounts and they continue to be reflected incorrectly on my credit report, I request that they be removed immediately for violation since they are incorrect and fraudulently opened. The accounts are : XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I was charged {$70.00} in advance for the year XXXX for use of a Safety deposit box. I closed my box on XX/XX/XXXX. The bank refuses to refund me. Their explanation is that I was sent a letter about the charge. The charge is for a service I am not using. I am attaching a letter documenting that the charge is debited in advance from my account for the year XXXX. The bank is not disputing that my box is closed. Their explanation simply is that that I was sent the letter so they are not going to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and I am filing a complaint against Experian with my own free will. I am not being coerced by any third party or credit repair agency. This is a final notice in regards to the inaccuracies being furnished for the following accounts XXXX  XXXX - XXXX XX/XX/XXXX XXXX  XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXXe - XXXX XXXX XXXX, XXXXXXXX XXXX-Retail - XXXX XX/XX/XXXX, please review the following attachments to see my full complaint.
Product: Debt collection

In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was Crown Asset Management, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just 24 hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 
Initial Dates for Crown Asset Mgmt : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
Crown is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at ), would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} ( {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within 48 to 72 hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.
Product: Debt collection

They are claiming its for a debt at a apartment I never stayed at.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the legal obligation of 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 foward 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, continuing ongoing harm to my credit standing.I am requesting immediate corrective action, to remove or amend the disputed accounts, as Experian inaction violates Federal Law and my rights as a consumer.
Product: Debt collection

I was sued for a debt from XX/XX/XXXX on XX/XX/XXXX by Results Unlimited and attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, Va XXXX regarding XXXX in the amount of {$1100.00}. I was unable to pay this debt. The suit was twelve years after the lease expired. Results Unlimited and Townhouse Park Apartments are still attempting to collect this debt and has placed a lien on my bank account. This is 18 years after the remaining balance on the lease was owed. 

Besides the statute of limitations expiration under the Fair Debt Collections Practice Act, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, attorney 's and Townhouse XXXX have place a lien on my bank account which contained Department of Education Student Loan Funds disbursed by XXXX University on XX/XX/XXXX. 

These funds are to be used only for educational purposes and XXXX XXXX XXXX XXXX, where my funds are currently being illegally withheld from my use and possession, refuses to release my Student Loan disbursement funds due to an 18 year old debt claimed by XXXX XXXX XXXX, their attorney 's XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 

My Student Loan funds are being illegally withheld to pay for an illegal judgment during my law school examinations and has caused me to suffer severe emotional distress. 

I would very much appreciate a call tomorrow Friday, XXXX/XXXX/XXXX to help me to get this matter resolved. 

I can be reached at XXXX. My email is XXXXXXXXXXXX. 

Have a blessed day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I discovered my credit score had fallen 100 points. I requested a credit report. It showed a claim sent to collections from XXXX XXXX  with the account number XXXX, +2 additional accounts. I am mediately called the phone number and paid the debt. I Had never been notified that I had a debt. The collection agency, medical data systems Inc., doing business as medical revenue service from XXXX Florida, noted that the bill was from XX/XX/2019 and had been sent to an address where I lived eight years prior. I asked if I should file a complaint. I was told no. I was told that I would receive a deletion letter from medical revenue service. Ive had to follow up for nearly 2 months with numerous phone calls, as well as emails requesting that my name and credit be cleared. As of yesterday,
Product: Credit reporting, credit repair services, or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX
Product: Checking or savings account

Wells Fargo advertised the following promotion : ' {$520.00} bonus when you open a new savings account and deposit {$25000.00} within 30 days. Must maintain the balance through Day 90 from account opening. ' The condition was that the account needed to be opened in-branch, as the code could only be applied there and not online. Upon visiting the local branch, I discovered that the banker was unable to find a section to enter the code. She suggested proceeding with opening the account first and assured me she would submit a form to headquarters to have the code applied retroactively. Trusting her assurance, I proceeded. As a precaution, I also submitted another request by calling a few days later. Approximately 1-2 weeks later, upon calling again, they confirmed that the code had been applied. 

Having met all the specified conditions, I patiently awaited the bonus deposit. However, as the wait grew longer, I had to engage in a customer chat with one of their representatives. He informed me that two requests had already been submitted on my behalf, both of which were unfortunately not approved. One was submitted on XX/XX/XXXX, and the other on XX/XX/XXXX. Both requests were declined with the following reason : 'Did not meet the following qualification : Have promotion bonus code presented and entered at account opening. ' I apologize for any inconvenience caused. Do you have any further questions I may assist you with? '' I don't think it is fair given the assurances I received from the banker. It seems that despite meeting all the stated conditions, Wells Fargo has failed to honor their commitment to provide the promised bonus. I request that CFPB thoroughly investigate this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Suntrust bank and XXXX  is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
Product: Debt collection

Wakefield & Associates account # XXXX was already proven to be illegitimate and deleted by all other credit reporting agencies except for experian. 15 U.S.C states that a thorough investigation must be conducted by the reporting agency and any and all misinformation or lack of verified information, must result in this account being deleted from my credit report. As also 15 U.S.C also states that credit reporting agencies have a obligation to accurate and fair credit reporting as I also have a LEGAL RIGHT to privacy and confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against the credit reporting bureaus Transunion and XXXX. I only have two open accounts which I have been progressively paying off all of my outstanding debt and have been receiving either no score change, too sharp of a decline in score, or too little of an increase in score. I have attached evidence obtained from XXXX XXXX to support my claim. In particular, there has been one recent instance with XXXX, whereby my open credit card account balance was duplicated on my report, such that it appeared that I had two XXXX XXXX  accounts when I only have one open account, and when XXXX finally removed the account from my report, I received a decrease in credit score. Throughout this year dating back to XX/XX/2021, the credit bureaus have either chosen to not administer a change in score, administered a score of only +1 or +2 pts, or rushed to administer a decrease in score that does not match the change in activity that is supposed to be the basis for the score change. I am hereby asking the CFPB to step in and confirm that my credit reports are being legitimately composed and updated by the credit bureaus Transunion and XXXX.
Product: Checking or savings account

There was fraudulent transaction done at a teller and they say that my claim is closed with out giving me additional information There were 2 fraudulent transactions on my account made at a teller simultaneously on XX/XX/XXXX which was a Saturday.A stolen check was deposited in my account for $ XXXX and a withdrawal for $ XXXX was made with a teller.. I filed a complaint they suggested as there has been fraud on my account that I should open a new one which I did on XXXX XXXX.. When I made the claim they told me the $ XXXX that was withdrawn was a check and that it takes about 2 months to investigate.. they did put the $ XXXX back in my account so l just kept moving forward waiting to hear back from them.. on XX/XX/XXXX I receive an email stating that the case has been closed and not in my favor as the ID matched what they had in their records along with the signature.. both are lies, my license has been expired since XXXX and it was actually revoked around that time and I never got a new XXXX, so when I opened my account the ID that I used was my passport which they confirmed when I spoke to them today XXXX My signature is pretty simple but I've been signing my name the same way for years and I guess lesson learned.. I have spoken to countless people to no avail.. they pretty much say that as it's not a large sum of money by Bank of America standards they are not going to help me.. they will not disclose any information to me like a copy of the deposit or withdrawal slip which they used as evidence to rule against me.. they will not tell me the branch or even what state the transactions took place.. everyone I talk to makes me feel like I am wasting their time even though is MY money.. today XX/XX/XXXX Bank of America had move $ XXXX worth of funds to the new account to cover the {$2500.00} that they took withdrew from my old account which has not been closed as the investigation is still pending after I filed a complaint with the OCC.. i did get a call from a XXXX XXXX from the Bank of America complaints branch but still have not heard anything back I filed a police report as well and have been following up with them.. it's very difficult to believe that I have to jump through so many hoops to get MY money back.. I have attached copies of the fraudulent check that was deposited.. I did call the company on the front of the check and their company checks were stolen and they had {$50000.00} worth of fake checks written one which was put into my account the signature on the back of the check does not match mine which they stated. I have attached the police report, a screen shot of my online banking which shows the 2 transactions as well as the 2 emails that I received from them explaining why my claim was denied
Product: Credit card

I live in New York XXXX and I have a Bank of America credit card which I used to book my travel XXXX, through XXXX Airways, online. 
To my surprise, I saw in my CC statement, that BoA has charged me XXXX Transaction fee even though the transaction was in XXXX XXXX as confirmed with XXXX Airways, and as stated in the invoice from XXXX Airways XXXX. I tried contacting the Bank through online chat, through calls and even walked over to the Bank. But the response from them was for me to check the Credit Card agreement which clearly states that the Bank would charge me a XXXX transaction fee. I however, kept repeating that this was not a XXXX transaction since the payment to XXXX Airways was in XXXX and not in XXXX. 
XXXX of their executives in the Claims department went on to say that because i was flying outside XXXX they consider it a XXXX transaction. Which does not make any sense to me. 
A XXXX transaction would be one where my Bank would have to pay to the vendor in a currency different from XXXX. That did not happen here.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applying for a mortgage and checking rates. Credit score has dropped 100 points in one week. Do not  know reason, Nine hard inquiries multiple less than the 14 days between rate inquiries. XXXX/XXXX/XXXX XXXX  inquiry, did not ask for them to do anything. Please remove inquiry XXXX/XXXX/XXXX Inquiry reported from XXXX XXXX Mortgage and inquiry was 3 months earlier. How can they report late ( upset because we did not use them ). XXXX XXXX Mortgage XXXX/XXXX/XXXX and XXXX/XXXX/XXXX hard inquiries too close to count as separate inquiry. XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX XXXX pulled credit for same mortgage company. Please remove. By my calculations I should only have 3 hard inquiries for mortgage inquiry rates. I do not understand how this is detrimental to my credit just because I want to check mortgage rates.XXXX XXXX XXXX hard inquiry, I called them to check USDA rates and they pulled my credit without knowledge. Please remove. When called XXXX the representative said I could not have them removed and when asked to speak to supervisor she said she did not have one and no one would return my call. Rotten customer service.
Product: Debt collection

Portfolio Recovery has somehow put my signature on court documents on which I was never served a lawsuit on XX/XX/2015 in XXXX XXXX Texas. My bank account has been frozen. I never entered any agreement with them in the court. I was not served any legal documents. How is my signature on court documents if I never went to court in 2015 or after?
Product: Checking or savings account

Last Friday, XX/XX/XXXX I closed my checking account with Bank of America. This includes my safety deposit box as well, which I had been paid for annually on XX/XX/XXXX for {$85.00} dollars. I did ask for a prorated credit for the remaining time to XX/XX/XXXX. No prorated refund for the remaining 9 months of the year. I'm sure they will probably rent the safety deposit box and secure rental fees.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Thank you
Product: Credit card

I purchased a vehicle from out of state using two credit cards in XXXX of 2023. The car came and had several issues, and the check engine light was on and the dealership never mentioned any issues. Also the dealershipsent me picturesof the vehiclewith no scratchesor dent and when the vehicle came it had issues. I reached out to the dealership and tried getting the issues resolved but the dealership stop communicating with me. I reached out to my credit card and filed a dispute because of the misrepresented vehicle they sold me. The credit company said they found in the dealership favor. Now the dealership came and took the vehicle back from us. Called the credit card company and let them know and they said it's nothing they can do ... now the car was paid for in full with 2 credit cards. And I didn't owe for the car. I did not return the car, the dealership came and repossessed the car without my knowledge. The dealership still have my payment that I used with discover. Now I reached out to discover they said they can not dispute the payment. The dealership would have to refund me the money and it's nothing discover card can do
Product: Checking or savings account

On the date XX/XX/year>, my friend tried to send me money through XXXX to my checking account, however, he couldn't find my registered phone number anymore. Therefore, I went to XXXX of the Bank of America and to figure out with a staff. After she checked my account, she just said all of my accountchecking+savingare frozen except for my credit card. And there was no reason showing. In the bank, I called the risk department with the bank staff and the staff of the risk department didn't see a reason showing neither, she just said my account is in the process of closing but it doesn't show a day. She told me to call the next day. Then, I made the second call the next day, however, the closing day is still not showing, all of my money is been held by the BOA. I am an international student who have been saving money for 6 years, these money are all from my parents for my housing and daily spends. All my money is in this one bank. Right now they are holding all the money and my house payment and credit is almost at the due day. I have to borrow money from my college friends to pay all these in the situation that don't know when my account will be officially closed and the check to be send out. The total amount of all of my accounts are about {$25000.00}. {$24000.00} are at the saving account. I have withdrawn about {$14000.00} check from my other bank XXXX and deposited it to the BOA saving account on XX/XX/year>. Because I keep receiving email the saying I have to have over {$20000.00} in my account to waive the saving account fee. Thus, I closed my XXXX account and deposited all the money to my BOA saving account to make it over {$20000.00}. But right now, after my money have been successfully deposited, the Bank of America froze my account suddenly without any reason and set me, a new grad student in a debt. Last but not least, BOA has not send me any notification on this action to my account and I can still check my online banking and receiving promotion from my email.