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

My old bank ( XXXX Bank ) was bought by First Citizen 's Bank. The type of account that I had was marketed as no-fees. First Citizen 's honored the no-fees for 30 days but not did not properly inform customers when they discontinued the service and began to charge overdraft fees. 

Their online account balances have been out sequence, they are charging ghost fees 3-5 days later that are not showing up until after you've made transactions based on the out of sequence balances. They also are adding services that have not approved of and withdrawing the charges from the account. 

Their retail business staff has been deterring personal account holders from applying for personal loans by telling them that personal loans aren't available.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XX/XX/22 RE. We already disputed this account.
Product: Debt collection

I received a phone call from Speedy Cash legal department last week stating that a payment plan needed to be setup immediately. I didnt have an account # to provide them, so I gave them a old debit card #, but promised to provide the new number once I received it in the mail. I received a text message this morning with a link attached to it. Apparently, I am being sued for the amount owed & a warrant has been issued for my arrest. They also stated that it was too late for the payment plan and IF I wanted to pay in full, I could not do it through a bank account nor debit/card. They want me to wire it through XXXX XXXX or XXXX because their bank is in XXXX.
Product: Money transfer, virtual currency, or money service

I had sent XXXX to the wallet in PayPal. After receiving it and selling I planned on using it the following day to get into an apartment. 
Shortly after sold my PayPal account had several unauthorized charges on my account. 
I spoke to several supervisors about it and was told by one that PayPal should not have let the transfers go through that my account had an alert for Unusual Activity but for some reason had allowed these transactions to go through. Then he stated that I would be getting a refund that he would go on ahead and put a note to refund them and he couldn't find a reason not to. 
PayPal also stated that because the transactions are similar to previous ones they they were authorized. 
I never have sent that amount nor purchased bitcoin in the amounts of XXXX, XXXX, XXXX actually nothing over XXXX. Then PayPal also stated that it was sent to addresses used before on my account. Problem is they fail to think those are unauthorized too. That means the person who purchased and sent this bitcoin has done his in the past. 

Not to mention i received an email from PayPal stating that they were changing the status of my dispute. The another email stating they were filling it in my favor that I will be getting a refund of {$1700.00} in my account or wherever it was purchased from. Only because they duplicate charged me. They duplicate charged me and were returning the money. Oh only if I still have the XXXX for the first transaction... Hello unauthorized transactions here!!! 
And I never received the refund 6 days after and still waiting. 
PayPal owes me quite a bit of money and not to mention the time I've spent in trying to prove them my innocence and then why are they not on my side?
Product: Debt collection

Although this debt was discharged in bankruptcy, we have continued to pay the debt to Shellpoint Mortgage Company. Recently, we were a little behind and they reported this loan to a consumer reporting agency as delinquent. 

When I called to resolve this issue, I was transferred to the " bankruptcy department '' and placed in a system which requested my mailbox number???? Surprise, I don't have a mailbox on their system. Additionally, or perhaps I should say secondarily, the 'system ' said that if I did not have a 'mailbox number ' then I should leave a message for the person who I was calling for in that department. Since I don't know anyone in that department, I could not leave anyone a message and had no alternative except to hang up and call back, wait forever and go through the entire process all over again!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Contacted discover card fraud dept and the fraud claim was withdrew account number ending XXXX and I spoke to the lead fraud investigator and she refused to assist me and wouldnt put this secured credit card back on my credit file with XXXX  and XXXX  and it was blocked on the credit bureaus end by error and Im trying to get this account reinserted back to my credit file and discover refused to do so ... the account number is XXXX Discover secured card with a XXXX limit ... ..is not being reported to XXXX  and XXXX  credit file and I need to have it back on there so I can add history to my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX they did a hard inquiry pull on my credit that I DID NOT allow XXXX XXXX XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX  XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX XXXX XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXXXXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX bank XXXX Hard inquiry pull on my credit that i DID NOT allow XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Hard inquiry pull on my credit that i DID NOT allow I DID NOT ALLOW this company 's to pull or check credit for any given reason they had contacted me about there services and business and i was NOT interested and i feel the still checked into my credit without my permission and now i have all these hard inquiry 's on my credit. please remove these accounts on my credit so i can further in building my credit and do things necessary that i can accomplish thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX : Account number : XXXX, Update this account quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

XXXX # XXXX | XX/XX/XXXX : Account number : XXXX, Update this account quickly. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Checking or savings account

USAA Bank without our authorization changed our beneficiary on both our savings and checking accounts. 

On XX/XX/XXXX, we added our son, XXXX XXXX, as beneficiary to both of these accounts. USAA has confirmed they have this information. On XX/XX/XXXX, I was doing a review of our account information and noticed someone as a beneficiary that was not authorized by us. I called USAA and inquired as to why/how they illegally without our authorization changed the beneficiary on both of these accounts to someone who was not authorized. No one could explain how it was changed. It took over an hour on the phone to change the beneficiary back to the way it was supposed to be. I was told a supervisor would contact me to explain how/why this happened. 

I spoke to XXXX XXXX on XX/XX/XXXX. He indicated he was a supervisor. A case # was assigned XXXX. He said he had no idea how it was changed and said he would investigate the matter and call us back. He never called. 

On XX/XX/XXXX, I wrote the CEO, XXXX XXXX, of USAA explaining the situation and asking how someone could illegally change our beneficiary on both our checking and savings account without our authorization. I also cc 'd : XXXX XXXX, President USAA Federal Savings. Someone called from the CEO 's office and said we would be contacted. 

On XX/XX/XXXX, we received an e-mail from XXXX XXXX, Advocacy Advisor from USAA. Indicating she would contact us within two days to discuss. She never called or contacted us. 

On XX/XX/XXXX, I again wrote the CEO of USAA stating that no one had contacted us. On XX/XX/XXXX, at XXXX XXXX. someone called from USAA and left a garbled message inquiring that we call them back. I believe the name she left was XXXX ( but I am not sure ). She did indicate she was calling from the CEO 's office. The phone number she left was XXXX Ext. XXXX. I called back and left three messages. She never called me back. As of this date no one has contacted us to explain to us how this transpired. 

I want to know how a financial institution was able to illegally and without our authorization change our beneficiary for both our checking and savings account. Although, I was eventually able to change the information back to our son. I am concerned as to why this happened and even more concerned as to .... will happen again.
Product: Credit reporting or other personal consumer reports

I've requested multiple times with several requests and documentation to update my current address. They refuse to remove all my old addresses that are no longer current and accurate
Product: Payday loan, title loan, or personal loan

I, XXXX XXXX, ( debtor ) XXXX  that Northwest Bank XXXX Northwest XXXX Bank ( creditor ) has omitted certain payments, created escrow accounts without debtor 's consent or knowledge to overestimate and falsify value of the original debt. XXXX XXXX  that the creditor with malicious intent attempted to defraud debtor by serving Confession of Judgment or a Cognovit Note upon debtor who is not a commercial consumerof real estate or property. 
Bankruptcy Case Chapter XXXX case number XXXX to Judge XXXX XXXX XXXX XXXX attorney : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX avers, that her legal counsel failed to confer with her the alleged summary of debt as submitted and as stated in the Claim Detail entered into evidence by Northwest XXXX XXXX that the Claim Detail has several omitted cash payments and avers that Northwest attached additional altered fees and condition of terms adversely to the original debt documented.Debtor avers that Creditor failed to provide any adequate and verifiable documents of TILA disclosure as requested by debtor XX/XX/XXXX, XXXX XXXX  verbiage " Escrow '' has been omitted from filedpayment history for claim yet appears on statements of debt mailed to debtor prior to this actionThe fraudulent escrow account started possibly as far back as XXXX but as I was unaware, I can not be certain and would have to rely on a forensic audit of the original debt as requested on XX/XX/XXXX which the creditor Northwest Bank has failed to provide.Debtor gained knowledge of the creditors falsified and altered claim when speaking to local branch employee located XXXX XXXX XXXX, XXXX Pennsylvania XXXX and XXXX XXXX as the " XXXX XXXX Branch '' Debtor spoke to a young man calling himself " XXXX '' XXXX explained to debtor on the date of XX/XX/XXXX via phone conversation that an error had been discovered on my loan # XXXX in the form of a mysterious and unexplained attached escrow account of which the corporate office was said to be now working on resolving the issues of fees and penalties resulting in the attachment of the escrow account.The dollar value of the concealed escrow account is unclear at this point and I would need additional time to retrieve bank statements from XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX validate my payments to Northwest Bank in single payments on {$1000.00} or more on more than one occasion.received in cash and by debit card from XXXX XXXX  Attached is Also a receipt of deposit dated XX/XX/XXXX in the amount of {$600.00} cash at XXXX XXXX  placed at the XXXX XXXX branch yet is not reflected in the claim of payment history. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating my account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Reporting Act ( FCRA ) 15 U.S.C $ 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C $ {$5500.00} ( a ) ( 1 ) ( A ) - ( B ). as highlighted in the CFPB 's recent administrative proceeding File No. 2025-CFPB-002 ) against them for similar violations. I request the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
Here are the accounts listed below : 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
Product: Debt collection

Against my knowledge my ex-husband of XXXX who has full custody of our son listed me as the person responsible for a medical bill. I have contacted XXXX XXXX XXXX out of XXXX Oklahoma on XXXX occasions. I have explained each time that not only do I have no rights to said child I also am not legally responsible per the divorce for any medical bills of said child. I did not sign any hospital papers stating I had any knowledge of this bill, I received no bill, I have not been a resident of Oklahoma for XXXX, I did not sign HIPPA papers and this is fraudulent. I was told every time that they would not do anything. I have given them his father 's name and number and told them his insurance that is carried as well to no avail. I have called the debt collector who this was turned over to and have tried 3 times to dispute this blatantly fraudulent charge with no success. I only found out about it when I checked my credit report. This is the XXXX bill coming out of the same community hospital that has negatively affected my credit in the past XXXX. I did not sign, have knowledge or even live in the state this bill comes from. I have been a resident of Oklahoma since XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for verification from the agencies that have bought debt that was opened illegally in my name while I was in XXXX, and they have failed to provide me with any information on this. I have submitted documents showing my time living aboard when these accounts have been opened fraudulently. Other debt collectors can not provide me with the original creditor or any other information at the time the debt was attained. 

Here are the companies that are reporting inaccurate and negative information to my credit report, that have failed to supply me with verified information of said debts, and when they were originally opened. 

Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX Address po box XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Name XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, XXXX  XXXX Per the Federal Law of Inaccurate or Unverifiable Information, I wish this information to be removed from my credit reports and all unverified information and inaccurate information removed from all public records.
Product: Checking or savings account

After a year this bank decided to tell me they made a baking error mistake and now my account is overdrawn they claim they gave me 2 credits I dont recall and they recently denied my fraud claim {$1600.00} I was robbed by a doctor got charging me for service not told they refuse to help me to recover get my money back
Product: Credit reporting or other personal consumer reports

This is to follow up regarding the ongoing issue regarding late open accounts on my credit report and express my frustration with the multiple unsuccessful attempts to have them correctedmoved. Despite numerous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. Since discovering the late open accounts on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved. The presence of these inaccuracies not only undermines the accuracy and integrity of my credit report but also poses a serious threat to my financial stability. As a responsible consumer, I find it unacceptable to be unfairly penalized for inaccuracies that do not accurately reflect my credit behavior. Furthermore, the lack of progress and communication regarding the status of my disputes has further exacerbated my frustration and eroded my trust in your agency. I have not received any updates or explanations regarding the reasons for the repeated failure to correct these inaccuracies, leaving me feeling disregarded and powerless in protecting my financial interests. I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open accounts. Please help me correct these late open accounts immediately : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Product: Debt collection

1. My name is XXXX XXXX, and I have asked my wife to cancel this account with XXXX on my behalf on due to my work schedule. However, XXXX refused to do so. XXXXs excuse has been that my wifes name is not on the bill and yet my wife does not have this issue with many of our vendors including doctors offices. 
2. We have moved out of this address back on at XX/XX/XXXX, and we had agreed to pay to pay to the end of the month although we have not technically lived there, and we had asked the landlord on many occasions to call or have the new tenants to change the bill to their new name.

3. Again I want to make it clear that my wife tried many times on my behalf to cancel the bill and XXXX   thru their ignorance and stubbornness refused to cancel the service. Although she had provided them with the landlords and the property owners email, address refused to either contact to verify the information, call him and just let the bill escalate. 
Email Contact on XX/XX/XXXX ( no more phone Calls ) XXXX completely disregarded the email with all the contact information and informed us again about all the late fees at this point we have no choice but forward this to https : //portal.consumerfinance.gov/consumer For example, XXXX XXXX XXXX completely ignored my wifes email on XX/XX/XXXX to try and resolve the issue where she has given you the current contact information this leaves me no choice but to contact the government Consumer Finance Protection Bureau Watch Dog and have them sort this out! 

Honestly, I do not understand you are only garbage pick up company she is my wife she handles all our house bills! Whether I call, or she calls it is the same. I know that she has called back in XX/XX/XXXXand made sure that the invoice has been paid to XX/XX/XXXX because my wife was told that all invoices have to pay until the end of the month and yet they will not cancel the service although I asked my wife to do so for me. 

this is what has transpired on XX/XX/XXXX where I actually have a written record that XXXX   completely disregards a written contact instructions and ads fees fees again XXXX XXXX XXXX XX/XX/XXXX to me, XXXX  This balance 90 days past due it is the balance that was owed for the month of XX/XX/XXXX of {$29.00} plus now {$15.00} in late fees which now makes the total balance {$44.00} owed by a XXXX XXXX. 



From : XXXX XXXX [ mailto : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX  To : XXXX ; XXXX XXXX Subject : acct.XXXX invoice XXXX XXXX We paid our Part XXXX : please have your tenants pay bill or this may be yours to pay we paid our part please note that we have moved out XX/XX/XXXX we are no longer live at the address. All fees and amounts that were due by XXXX and XXXX XXXX up to XX/XX/XXXX were paid in Full Please contact the current landlord for this bill his name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX you should send your current bill new tenants and find out from landlord exact move-in date contact for landlord : XXXX I do not have fax number for invoice The phone number for Local office XXXX I was on hold for 30 min can not hold any longer