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

I applied to open a account with XXXX XXXX XXXX XXXX on XX/XX/2021. I was able to open the savings but not the checking. The reason for not being able to open the checking I was told due to something on my XXXX. I requested a XXXX  report and this is when I discovered there was a fraudulent account from AXOS Bank ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a amount of XXXX owed. I have never heard of nor have I ever had any type of account with this bank. I filed a identity theft report with FTC and I filed a dispute with XXXX.
Product: Debt collection

I just got a letter in the mail XX/XX/18 from XXXX XXXX that they took over an account that the original creditor deemed fraud and that I wasn't responsible for. I called XXXX and explained that but a very rude customer service agent said it was " not her problem and she's here to collect payment. '' I asked her to send me the documents proving this account even belonged to me and she said " by law I don't have to provide that. '' I let her know I would mail in the dispute form on my own and preferred mail correspondence and they are not allowed to call me at any time for any reason. She said '' you better hope we don't track down your phone number. If we do, we'll call you whenever we feel like. '' I called the original creditor and they can't help as they no longer even have my account in their system so I'm stuck
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 without 24 hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C, 1681i, which mandates a reasonable investigation of disputes. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this items, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

Every time I try to make a purchase with the card it declines and says that the bank issuer refused the payment and it says there is an error. It keeps saying to update the payment method. It says an unknown error has occurred
Product: Debt collection

On XX/XX/XXXX after many harassing calls to myself and family members with no information given in the phone messages other than a phone number I returned their call. Was told that they were not a collection company but had Power of Attorney to resolve or stop lawsuit process. They identified themselves as XXXX XXXX and associates. I did set up a payment plan with them to help resolve the issue. On further investigation, the XXXX  reports that XXXX stopped operations in XX/XX/XXXX and that they do not have a valid out of state license.
Product: Credit card or prepaid card

On XX/XX/2020, I noticed fraudulent activity on my XXXX  Bank of America card and contacted Bank of America to report the activity. The first representative informed me that a new debit card would have to be shipped to which I agreed. She also informed me that while I waited for the card, my account would be frozen due to the card which had fraudulent activity being closed to avoid further unauthorized activity. I was then transferred to the fraud department with Bank of America and went through the steps to report the activity. The deduced payment was reimbursed into my account and the representative informed me that a mistake occurred due to an error on the first representative side, and a new card would be shipped. She informed me that I would be receiving two cards in the mail and gave me the last four digits of the one I should use. Three weeks passed and I grew concerned because I had not received any of the two cards from Bank of America. I called Bank of America and they informed me that they had no way to track the cards shipped out, but could see that they were shipped. They also informed me that they were unable to send a new card out because my account was closed and directed me to the XXXX  to inquire about my status being closed. I contacted the XXXX  multiple times and they repeatedly advised me that there were no issues with my account with them and I was still receiving payments. They recommended I contacted Bank or America again since everything on the XXXX side seemed normal. I called Bank of America and was directed to call XXXX multiple times and they claim that XXXX has closed my account with Bank of America due to fraud. The fraud was originally reported to Bank of America only, since the activity was on my debit card, not my XXXX account. Eventually after speaking to multiple people within the XXXX fraud department, they informed me that due to an error when attempting to transfer my payment through direct deposit, my account was changed and I am now going to receive paper checks, which I have been for two weeks now. I attempted to explain to Bank of America that I simply want the current balance from my account and am no longer concerned with continuing to bank with them but they refuse to provide me with assistance or guidance as to how I can resolve this issue other than directing me to XXXX. I explained that the first representative informed me that she was going to place a freeze on my account, but they claim they have no record of it. Ive called them around 8 times, and have been on hold for over 2 hours every time Ive called. Ive spoken to numerous people in the fraud and risk department. The last time I called, the representative refused to transfer me to a manager and finally when she agreed to transfer me, she transferred the call to the general XXXX number after I had been on hold for 3 hours. My concern is I have money in my Bank of America account and i am not being allowed access to transfer or withdraw my funds.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2 Account name : XXXX, # XXXX Account name : XXXX XXXX XXXX  Account name : U.S. DEPARTMENT OF EDUCATION, # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name : U.S. DEPARTMENT OF EDUCATION # XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

arvast central mortgage company resent a payment several months ago for not having enough in the account but when i spoke to the bank they showed there was more then enough money in the account. ever since then i have to call since they would allow me to set up an online account and whenever i try to pay they always take several days to actually call back over a payment when i call there line another department answers and says no one is available and this happens for the past five months now. to even get to pay they wouldnt let my grandma pay due to her demtentia and not being able to remember her info for the account but wouldnt let me pay either. they requested i send power of attorney to an email which i did was requested and was told to wait like two weeks for it to be added never got a call back. so when i did call back i asked whats going on and they said they never heard of that email i sent it to and gave me another one so i sent it again and was told to wait. never heard back again so i called and was told this time they dont take that through email and had to mail the letter. I seen where this was going so i sent it certified mail and seen that they got it waited a week to call and guess what they said they never got it. I let them know very well there company had the file and had evidence to prove it and if i didnt get it added since they were going to forclose on the house i said well i think im going to have to contact a lawyer and the last thing i sent was proof of tracking and that they did have it and that was it and then somehow they found it pretty fast and was added to the account to take a payment just seems a little odd that i had too say i was getting a lawyer and then they happen to find it pretty fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent two letters ( certified mail ) to Lexis Nexis disputing numerous inaccuracies on my LN report, They have failed to respond both times. There is inaccurate information they're reporting that is hurting my credit, and my car insurance is double what it was before they started reporting inaccurate information. These people must be held responsible for what they're doing to consumers by reporting inaccurate information. Here is the tracking numbers for both dispute letters I have sent. Please see to it that they're made aware that they are in violation for the FCRA and I need them to stop reporting inaccurate information. Thank you XXXX. XX/XX/2021 Tracking USPS : XXXX XXXX. XX/XX/2021 Tracking USPS : XXXX
Product: Credit card

am having an extreme problem with my credit card. Following is the sequence of events that have occurred to date : Called Bank of American spoke to XXXX XXXX around XXXX XXXX about rates for a balance transfer. He informed me that he could offer me a rate of 3.99 % for 1 year. He also stated that he did not know how long this offer would be available and that if I wanted to go ahead and make the transfer from my XXXX account in the amount of {$4800.00} to BOA I could do so and if I changed my mind the transfer would not go thru as long as I called back before the following Monday. 

On XX/XX/2015 I called and spoke to XXXX XXXX and told him that I had changed my mind and did not want to do the transfer. It occured anyway. 

I called on XX/XX/2015 and spoke to XXXX XXXX and he said it would be taken care of and that they would transfer the balance back to BOA with a 0 % rate for 1 year. This did occur but in checking my XXXX statement they made the payment but then BOA sent it back to XXXX in the amount of {$4800.00}. 

My original balance on my BOA card was {$4500.00} with the balance transfer of XXXX that brought my balance to {$9400.00} But instead of having a XXXX balance on my XXXX XXXX, which was the goal, I now have an additional balance of XXXX that I do not owe which BOA ca n't seem to explain. 

I have spent a considerable amount of time and money in an attempt to get this resolved and it is not only frustrating but very unsettling that such incompetence is in charge of my money. 
No doubt this will also have an affect on my credit report as well as my interest rate with XXXX. 
Could you please check into this and get it resolved for me? I ca n't get through to BOA and they really do not seem to care. 



Thank you,
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Payday loan, title loan, or personal loan

I had been reading publications and seeing news segments about how consumers have been getting short ended by payday loan groups pulling funds intermittently out of their bank accounts. Well, this is extacly what has been transpiring in my case for the last 5 months. XXXX title loans pulls funds out of my checking account when first and foremost, I never gave them authorization to. They asked to see my debit card and I asked why. The representative stated, " because this is just to verify if the debit card is linked to your name and your account. For veification purposes only. '' Then, 2 weeks later I began to see charges from XXXX on my statement. I called the company and told them to stop taking money out of my account, and that I can sumbit payments to them through and online portal or by phone. They refused and week after week, having funds in my account or not, XXXX continues to give themselves authorization to pull funds from my account. Every time this happens, my bank hits me with overdtaft fees. When I address this to XXXX XXXX  XXXX and attempt to get refunded, they refuse to. With that being said, at this point, I'm not only being account jacked for all of my hard earned money, the bank holding my personal interests are allowing this and leaving me with multiple overdraft fees that they refuse to refund ; even after i called them multiple times to stop all transactions from XXXX Loans. I Had been out of work and in between jobs for 2 months, which is the reason I got the loan. Not only am I being forcefully locked into having a company forcefully extract funds out of my account, my bank allows it and collected over {$300.00} in overdraft fees. The biggest question I have is, are the Banks in on this consumer scam as well? Please help me.
Product: Credit card

I reported to Chase that I lost this credit card ( XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. There was fraudulent charge in the amount of {$11000.00} after I lost this card. All transactions were happened in XXXX XXXX on XX/XX/XXXX. I obtained an invoice from one of the merchants of ID Hospitals in XXXX XXXX. I am attaching the invoice which clearly indicated that it was XXXX XXXX who used my lost credit card for all transactions in XX/XX/XXXX. 

Despite a clear evidence of the invoice, Chase still sent me letter indicating I made the transaction. I am here to file a complaint against Chase for not handling fraudulent charge and report to CFPB to damage my credit score. 

Please remove all fraudulent charges on this lost credit card. 

Your sincerely, XXXX XXXX XXXX
Product: Debt collection

Security credit services reported this debt multiple times on each of my three reports as a new account in XXXX month.I never received a notice to dispute or even an explanation of the debt. They call my cell constantly and the one time I answered the lady would not explain what the debt was for and told me they did not have time to mail me a notice. It is Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX/XXXX/XXXX for XXXX date reported XXXX/XXXX/XXXX phone number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation is taking longer than 30 days. Sent letters to XXXX, XXXX  & XXXX  XX/XX/2020 about inaccurate information on my credit report. 

BB & T {$740.00} XXXX XXXX XXXX XXXX {$2000.00}
Product: Credit card

We are struggling with a moving company that has several XXXX names who stole all of our belongings and ransomed them back to us after making us sign many documents under threat that they would send our things to auction. We paid an initial portion via a Citi credit card and then the moving company XXXX ) failed to deliver our things on time, XXXX ) failed to deliver all of our belongings, XXXX ) delivered a substantial number of items which were broken beyond use. We called the credit card company to inform them of the fraud and of our dissatisfaction with the goods and services provided by XXXX XXXX XXXX, XXXX in NJ and the representative of Citi Bank told me that they would do an investigation and that they would file things as " over payment '' to ensure that we would have a positive experience. This was our XXXX time contesting any charges and we have followed the advice of the bank 's representatives along the way, but now they are saying that we are fully responsible for the fraudulent charges despite the moving company not performing the job as promised. Now we are getting XXXX on XXXX sides of this.
Product: Credit reporting or other personal consumer reports

I woke up this morning and saw something that completely threw me offwrong accounts listed on my credit report, and I dont know how this could have happened. Everything was normal the last time I checked, but today, discrepancies appeared out of nowhere. I tried refreshing the page, hoping it was a mistake, but nothing changed. Im desperate for the documents Ive submitted to be reviewed carefully so I can stop feeling so helpless and anxious over this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I paid my monthly car payment to XXXX XXXX XXXX via their app as I have every month - using the same bank account - as I always have. 

On XX/XX/XXXX, my credit monitoring services started alerting me to delinquent account from XXXX XXXX XXXX. This one error plunged my credit score by in excess of 25 points on all three credit bureaus. 

I checked my bank account and no payment had been presented- and even if it had, my bank would have paid the overdraft. In addition, in the 20 days, XXXX XXXX XXXX never alerted me - via phone call, text, email or even within the app - that the payment had failed due to the faulty app. This error caused my auto payment to be marked as delinquent when it was not. 

XXXX acknowledged that the error was theirs and that they had been having problems with the app. The customer service rep told me she sent a corrected credit market to the 3 credit bureaus to correct this problem. I explained that I needed this corrected immediately ( within 48 hours ) as I had applied for a mortgage, and had paid all my credit cards off to enhance my credit score, in preparation for my monthly update to my credit score on XX/XX/2021. 

I have checked incessantly and this error has not been corrected. In fact, a call to XXXX XXXX XXXX indicated that I would have to write a letter - and send via regular mail -explaining the error to get it corrected. This is unconscionable. 

Please get this derogatory credit mark off my credit report as soon as possible - my mortgage and earnest money deposit are in jeopardy.
Product: Credit card

refer to the attached XXXX XXXX, been XXXX XXXX XXXX while I have also been targeted many times as people tried to take advantage of my declining health received a card, tried to activate the card and was unable. 
nordstorm customer rep tried many times to interrogate me, yes interoggate me as I told them I have no recollection of the purchase but I was in the store trying to shop and use the card they sent. 

this statement is on their system as all calls are to be recorded. I submitted this also as a complaint with XXXX and their negative marks is affecting my ability to buy a house, obtain cards while I wait on the system to provide me social security as I am unable to work and was fired from my job while on XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not have the strenght or physical capabilities to keep being harassed by all these companies.
Product: Debt collection

I was reviewing my credit report and discovered that XXXX XXXX had added a file that I owed them a past due balance. I contacted XXXX XXXX and inquired about the past due balance. They stated it was for an apartment I once lived in. I explained that I had moved from the apartment I shouldve owed a balance to XXXX XXXX. I nevertheless paid the past due amount to settle the account Immediately. 

I reviewed my credit file a few months later the same information was listed on my credit file by the name of Infinite XXXX/TSI collection. The debt showed paid, I didnt pay TSI, I paid XXXX XXXX and the agent at XXXX XXXX told me it would be taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in response to complaint XXXX. Once again, I did not question whether or not I have an account with Navient, I stated that you are reporting inaccurate information to the credit reporting agencies because the information is not consistent and they are reporting different payment history, payment, status, and so forth. This is not in compliance with FCRA. You are not furnishing accurate information for the credit bureaus to report. You have yet to contact them to correct the information I have been telling you is incorrect. You sent notices of correspondence saying that a payment was past due, but where is the historical data of the payments? I do no recall being late on the dates suggested. This is my last request before I am willing to take this to court because this is not legal reporting.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPD lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPD 's findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX has violated my rights. 

On XX/XX/21 XXXX XXXX XXXX received my request to validate a debt they claimed that I owe their company.

They have not responded to my request to this dat e and they are in default. 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 : Also states a consumer reporting agency can not furnish a account without my written instruction s.