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

I opened a checking acc with BMO HARRIS BANK under condition that there will be a monetary bonus issued for new act as long as certain criteria was met. I was also given an atm card with option to choose my own pin .after the atm car arrived I contact the bank gave them my pin. I was trying to use the card in the next 2 days it wouldn't work I called the bank and was told the pin was only good for 24 hrs [ how stupid is that ] and my card was blocked there is not a branch within XXXX miles from when I called them I was told my identity wasn't verified 3 times I was sending my documents state driver license, notarized letter I keep getting stonewalled .please help me resolve this issue
Product: Checking or savings account

I opened checking and savings accounts with Chase online on XX/XX/year>, deposited funds into and received an email confirmation that the accounts were opened. On XX/XX/year> I received notification from Chase that the opened accounts were restricted and I needed to call them. 

I did call. Nothing about clarifying anything relative to why they were restricting my account came into play. Rather I was verbally told my account would be closed and I was restricted from accessing chase.com. I called to request my funds and was told my account was under investigation and after the investigation, my funds would need to be requested by my current bank, XXXX XXXX to get my funds. 

I asked why am I being investigated and was given no response. I then vehemently requested that my deposit immediately be returned as not having access to my funds meant I am being denied my ownership of a provided asset when a contract was already annulled by one party in the contract. 

Basically, Chase indicates the following, " Important : Please contact us To help protect against fraud, we restricted and may need to close your account soon ''. After the call, I am not asked anything about fraud or what is expected of fraud. I feel this is a cop out and generic phrase to XXXX for discrimination. 

I was kept on hold for 1 hour and 30 minutes and finally spoke with an executive who provided the following case number : XXXX
Product: Debt collection

I had a dr in office routine visit post pandemic with XXXX medical that resulted in {$1000.00} plus of charges after insurance. I called the dr office to understand the charges. I never got any call backs or explanations. No-one explained the charges or checked upfront ( as requested ) that insurance would cover the exam. Next I know there is a debt reported on my credit for under {$500.00} this XXXX and no-one from progressive management systems called me to try to resolve the issue. Very disappointing.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX
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 CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous 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 tracking these transactions unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving 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

I did not give permissible authorization for this company to check my credit report.
Product: Credit reporting 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX 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 ) ( XXXX ) 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 ) ( XXXX ) 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: Credit reporting or other personal consumer reports

Dear Equifax and CFPB Re : Two XXXX XXXX  charge offs balance {$520.00} and {$2400.00} These complaints are not duplicate. Each issue is written on a separate complaint since Equifax is not exercising their grave responsibility of actually reading the complaints or doing a thorough investigation. 
FCRA VIOLATION 15 USC 1681 ( I ) ( 5 ) 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and On XX/XX/XXXX Equifax received my request for inaccuracies of my report for two XXXX XXXX  charge offs. See attachment. They claim that they did the investigation but the inaccuracies remain thus I was forced to request another investigation on XX/XX/XXXX were Equifax again claimed they did the investigation but in XX/XX/XXXX after a lengthy call with an agent from Equifax, it was determined that no investigation had ever been done at all. They have the ability to look this up. Equifax is conducting sham investigations and misrepresent that they actually did an investigation. Inaccuracies remain on the account because of this misconduct. This misconduct is constant and results in tens of thousands of complaints to the CFPB against Equifax, but there is no oversight and the behavior continues. 15 USC 1681 ( I ) 5 states that after a reinvestigation, inaccuracies remained on my or the inaccuracies can not be verified, the accounts must be deleted at once. After two failed investigations, the items can not be verified and still remain inaccurate. For this reason, I am demanding that each XXXX charge off account be removed from my report at once.
Product: Credit card or prepaid card

I have not used my Bank of America credit card since XXXX of XXXX, nearly XXXX  years. The reason is simple : when I navigate to the Bank of America website -- or use its banking app on my XXXX -- I can not determine whether the auto-pay feature is activated. 
I have contacted Bank of America numerous times to point out this shortfall, and have indicated that I will not use my credit card until they revise their online portals to indicate CLEARLY whether auto-pay is activated. 

I have switched to XXXX and XXXX credit cards -- charging up to {$10000.00} per month -- because their websites and apps indicate clearly whether auto-pay is activated. 

Similarly, I have discouraged my wife, son, and daughter from using their Bank of America credit cards. 

An objective observer would conclude that Bank of America conceals this information because their business model depends on customers missing payments and accruing interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me
Product: Debt collection

The amount owed is XXXX from XXXX of 2023. I had zero recollection of the amount owed, nobody called me, emailed me, or sent anything via mail. Then a few weeks ago I noticed it was on my credit report. So I called the property manager who had no idea why it was on there as I never moved into the home. The house was in perfect condition. They kept my deposit; and I turned the keys in. And I never heard anything until I saw the amount on my credit report. She stated she would find out and call me back. Since then, I have attempted to reach her multiple times. I have left messages, I have call their call center and nobody is returning my calls. 

I have emails from 2023 from the sales person, that someone would reach out regarding anything owed. So why has nobody done this? How is it okay for them to just not say anything send anythung or a simple phone call and just send it to collections?
Product: Debt collection

Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Notice Of Cease & Desist This is a warning notice to the alleged wrongdoer of such debt which youre a debt collector because you are simply attempting to collect multiple alleged debts. I noticed I've been violated pursuant to the FDCPA, there is evidence of the use of abusive, deceptive, and unfair debt collection practices. There is also evidence of aggravated identity theft, misleading representations & harassment. These practices resulted in the infringement of my intellectual property rights. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedies as a federally protected consumer. 

I am demanding all of the following : I refuse to pay this alleged debt. 
Stop illegal negative reporting activity to ALL consumer reporting agencies. 
Report positive monthly to ALL consumer reporting agencies Check of {$3000.00} for violations. 
XXXX XXXX ( not a billing statement ) Again, this is a notice pursuant to the FDCPA. Failure to honor the demands above and send proper validation of the alleged debt within 14 days of receipt of this notice, shall : Be taken as tacit agreement to the claims set forth, Grant the consumer all demanded remedies and Will result in litigation/ and or arbitration. 


( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) Assignees who are debt collectors are responsible for the actions of those collecting on their behalf ; citing Police, XXXX at XXXX. ) Respectfully, XXXX XXXX
Product: Vehicle loan or lease

I fell behind schedule for my payment Initially because of a payment due date error. That was due to the company 's fault and error. I called got it adjusted. They offered me no payment plan or assistance of any kind. I explained my situation. But all they offer is repossession.
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITONEBNK # XXXX CREDIT CARD Opened XX/XX/XXXX, Account closed by XXXX, I never opened this account, it doesnt belong to me XXXX XXXX # XXXX Opened XX/XX/XXXX CREDIT CARD Balance {$680.00}, I never opened this account, it doesnt belong to me XXXX  XXXX XXXX XXXX opened XX/XX/XXXX Balanced {$670.00}, I never opened this account, it doesnt belong to me Account # XXXX XXXX XXXX XXXX Account opened XX/XX/XXXX Balance {$580.00} Account # XXXX I never opened this account, it doesnt belong to me XXXX  XXXX Account opened XX/XX/XXXX Balance {$500.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX XXXX  Account Opened XX/XX/XXXX Balance {$380.00} Account # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account opened XX/XX/XXXX Balance {$50.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account opened XX/XX/XXXX balanced {$30.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Account Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balance {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX  Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX, I never opened this account, it doesnt belong to me XXXX XXXX   Account Opened XX/XX/XXXX Balanced {$20.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX XXXX Account Opened XX/XX/XXXX Balance {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balance {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXX Account Opened XX/XX/XXXX Balanced {$0.00} # XXXX I never opened this account, it doesnt belong to me XXXX XXXXT Account Opened XX/XX/XXXX Balanced {$0.00} # XXXX I never opened this account, it doesnt belong to me
Product: Vehicle loan or lease

I contacted Kia financial last week to request an extension due to financial hardship ( covid ) and the representative who represents the company said I did not qualify for one until a year of making full payments from the last extension I received. So I asked her to read me the dates of my prior extensions I had one in XX/XX/2018 and a few months later in XXXX 2018 i had received another one. So, I asked her how was it that i received back to back extensions that did not require a full year of payments. She could not explain it to me so her answer was extensions are a courtesy. I asked her if the extensions were indicated in the initial contract I signed she could not answer. She then put me on hold spoke with a Supervisor and came back on the line and said I just spoke with my supervisor and we need only two payments to be made to qualify you. I was confused at all the inaccurate information I was receiving. I came across civil code XXXX ( a ) and XXXX which states that 180 days after the state declares that the emergency related to the COVID-19 disease has ended, no service may ( d ) repossess or give notice of intent to repossess a mobile home or motor vehicle. Secondly under civil code XXXX ( b ) On a car contract, the initial required forbearance period is 90 days. Civil code XXXX ( b ) on the borrowers request, the forbearance period must be extended throughout the covid 19 emergency period and for 180 days thereafter. During the forbearance period, the services may not assess, accrue, or apply to a borrowers account any fees, penalties or additional interest beyond the amounts scheduled or calculated as if the borrower made all required payments on time and in full. Civil code XXXX ( b ), XXXX ( c ). Thus the servicer will receive no interest or compensation for the delay in receiving payments that would have fallen due during the forbearance period. Today I called and spoke with a representative requested an extension and was denied saying that I needed 4 more payments to qualify for an extension. I went ahead and explained to the representative the civil codes in effect and he didnt care pretended he understood, but did not have any clue about what I was talking about and became dismissive. He stated he would submit a customer complaint. I also requested a copy of my contract signed by both parties. As of today I have not received a call back or a copy of such contract. I need some assistance in fixing this issue or continue with a claim agains them.
Product: Consumer Loan

I paid off my car loan XXXX 2015. Istill do have not received a clear titleafter numerous contact with loan co. 
have been paying full coverage $ XXXXper month. can get liability for $ XXXXfor 6 months The payoff wasinstructed to send to XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Money transfer, virtual currency, or money service

My underage son sent a payment to a person of {$410.00}. Made a couple calls to the bank but they said they cant do anything.
Product: Credit reporting or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Bank account or service

I had a bank account with Huntington Bank from XXXX. I had an issue where transactions were being switched around by the bank and my deposits were being held extra days which was caused defaults and overdraft fees. There were also false internet transactions on my account. The bank was informed and did nothing about it.
Product: Credit card

I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry.
Product: Debt collection

I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). Sequium Asset Solutions are in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''
Product: Credit reporting or other personal consumer reports

On Dates XXXX XXXX I have several fraudulent inquiries on my credit report from the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  respectively. I called TransUnion and was told I had to file a complaint with the FTC before any further actions could be taken. I also have the following fraudulent accounts on my XXXX and TransUnion accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I performed a re-finance of an existing mortgage with Quicken Loans. Two months after the closing, Quicken sold the mortgage to XXXX XXXX. I do not want XXXX XXXX to be my mortgager. Is there a process that I can go through to stop this transaction?
Product: Checking or savings account

My husband ordered merchandise from a company online via XXXX. XXXX charges were deducted from our checking account {$15.00} and {$25.00} to a company XXXX  I filed a dispute with Chase bank due to fraud. Never received the merchandise and after doing checking this is a company out if XXXX that is scamming hundreds of people per XXXX and internet. The XXXX was familiar with them and said they provide tracking numbers that are bogus or they mail a pencil or something of no value. The tracking number Bets they provided to the bank one of them is not our zip code We never received the merchandise. Chase refuses to credit our account due to tracking numbers which are worthless according to XXXX We are XXXX and XXXX XXXX XXXX and live on fixed income. It is the principle of thing that XXXX banks are letting these crooked foreigners taje our money. 

Thanks for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collections account on that was on all of my credit reports from XXXX, Experian, and XXXX. When I disputed this account with Experian they did not remove this collection from my credit report while the other two credit reporting bureaus had removed this same account. This account was dealt with and removed from my XXXX and XXXX reports but the two times I've disputed attempted to dispute this account with Experian, they have updated it. The first time they changed the dollar amount from {$10000.00} to {$10000.00}, the second time they changed that amount back to {$10000.00}. I did provide them with the updated copies of my credit reports from the other bureaus showing that the account was not on there. As well as providing them with the actual dispute results from both of the other bureaus. They will not let me dispute this account again or provide any other information. They did not investigate this properly.
Product: Debt collection

The company Alliance Collection has attempted to collect a XXXX debt from me, that is not mines! I would NEVER consent to any outside company access to any of my personal medical information, without my authorization. This company has sent me copies of medical statements and procedures, trying to validate a debt without a signed release form. The HIPPA Privacy Rule clearly states this as a violation of my rights. 

As of today, XXXX I have sent over more than 6 certified letters to Alliance, requesting written validation and a XXXX release form. On top of that, today at XXXX Alliance had the audacity to actually call my phone, attempting to collect. Thus again ignoring my request for written replies only.