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

America First Credit Union is eliminating their regular checking account that has no fees and replacing it with either a classic checking account with no fees and is free similar to their elimined account or a premium account that will charge a $ XXXX  monthly fee. Customers are automatically opted-in to be enrolled in the premium account and must either call customer service or go to a local branch to opt-out of this premium checking account. The counter that the account is free for 30 days and customers can opt-out anytime during this 30-day period. The problem is users are notified by email and many will mistake this email for a marketing email since they send similar emails to market various offers. If customers do read the email, it doesn't seem to indicate that they can opt-out. It gives customers the false impression that AFCU has only the premium account. Most customers will have no idea they were opted-in to the premium account and will only find out after they are charged a $ 6 monthly fee starting in XXXX or XXXX. They will probably have no idea what the premium account is until they are charged {$6.00} and told by AFCU that they were opted in. It is also misleading since AFCU says customers can avoid the {$6.00} fee by having a balance of {$1500.00} but according to their terms a customer must have 1 ) an average daily checking balance of {$1500.00} for the month, 2 ) {$500.00} in direct deposits for the month, and 3 ) a total of at least 20 purchases made on either their Visa debit or Visa credit cards. Many customers will be surprised to see the $ 6 monthly charges since they believed that they only had to have one of these 3 requirements to avoid the {$6.00} fee. Their information on the Classic vs. Premium checking account is also confusing with a statement that the Premium checking has an unlimited amount of transactions. If you ask customer service they indicate there isn't a limit on transactions for the classic but it sounds like there is. They also mention the premium has fraud protection giving customers the impression that the classic checking account doesn't have this protection. They also tout the benefits of the premium account such as smart phone damage insurance and identity theft protection but it seems these are normally available through the Visa agreement for no fee. Customers should be notified by mail for such changes and also shouldn't be automatically opted in even if it is a 30-day free trail.
Product: Checking or savings account

Still have problem with the so called discover, I relly suggest them to pay a psycologist/ndeurologist for their employee since manuy of them are not even able to undertand what a internet/web banking is they want to operate on the internet but the web scares them too much, that's wy they have to transfer their company from the web to the physical store I have placed a complaint when the the checking account was blocked for one of their non sense reasons tI have added my passport and driver licence in their website page named " secure document upload '' but still they are not sure if I'm myself I have also contacted their executive office and they were at least able to write a send a email were they have confirmed that they were working to remove the checking account block for this bank managed by clown everithing is sospicious, if someone wants to update the email adress, tha 's a socspicious actvity, if someone has a phone number with a area code that they are not able to understand, that's a sospicious activity, if somone updates her mailing adress that's a socsicious activity, but the update bottom is there, so why the XXXX they have provded a update bottom if they consider everithing that was updated a " sospicious activity '', but 1 pasword is secure did they know that 10 passwords are better than 1, they are neversecure enought now the account is working but the ach transfers of funds from discover to the linked external checking account is disabled, so the account was not reinstated completely I want a fully working account and to ease their mind I tell them again, if a simple account update make them so nervous they have to remove the update buttom and they have to provide a fixed fileds online account, then the customers will choose if they want to use this bank managed by clowns or if they want to exclude them from the options I will now post a federal trade comission complaints also since they insist too much to receive complaints I WILL COMUNICATE WITH THE INTERNET, WEB IN WRTING ONLY, NO OPHONES HEREM PHONES ARE NOT AVAILBLE SINCE I HAVE ESTABILISHED FOR MYSELF THAT I WANT TO USE THE INTERNET BANKING AND NOT THE PHONE BANKING MAKE UO YOUR MIND, TO EASE YOUR MIND I TELL YOU AGAIN, I SIGNED UP FOR A ONLINE BANKING IS IT CLEAR ENOUGHT, OR PEHAPS YOU DO NOT UNDERSTAND ENGLISH I CAN PROVIDE A VOPY OF MY DOCUMENT ID IF NEEDED BY EMAIL, AND I CAN SEND THE DOC FROM THE EMAIL ADRESS REGISTERED ON THE BANK ACCOUNT!
Product: Debt collection

On XX/XX/2018, an erroneous debt appeared on my credit file in the amount of {$120.00} for XXXX XXXX. 

I have attempted to dispute this debt with no response from Credit Management LP, and when I contacted XXXX I was told there was no history of any account with a balance. 

XXXX isn't even a cable provider where I live!
Product: Debt collection

I have a debt on my credit report from a company named XXXX XXXX XXXX for {$850.00}. I called XXXX XXXX whom are representing this company, spoke to a gentleman at CREDIT WORLD stated this is a Kansas account opened on XX/XX/XXXX. I was asked if I have purchased any properties in XXXX, I said no. I reside in California and do not have anything to do with XXXX. I am a victim of Identity theft. Credit world has all my personal information, they told me I need to prove this was not me and prove where I live. I have not opened any accounts in Kansas at all. How can I prove this was not me? Also, ever since the pandemic in XXXX, my XXXX debit card number was compromised and someone was using it and purchasing so many things under my name and debit card. I had to submit a claim to Bank XXXX XXXX in XXXX. It was investigated and the funds were returned to me. 

Also, now I see another debt on my credit report. it is from XXXX XXXX XXXX, XXXX XXXX XXXX creator. I have no idea who this is and what it is for. Someone is usinf my personal information to open accounts and now it is impacting me. How can I prove I have not opened these accounts? Please assist me. They have all my information which the debt collectors have. 
Again, I am a victim of identity theft which stems from XXXX, the XXXX Dept provided personal information to the theives who continue to use my information to open accounts. This is not right. 

Please assist, let me what I can do.
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. 

Account Name : XXXX  Account XXXX : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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, credit repair services, or other personal consumer reports

Associated Compliant ID : XXXX ; and XXXX I attempted to place them on your site TransUnion ; however, your office seems to be trying to escape from legal matters ; it looks like a trashy reporting company. It is supposed to do well are reporting, yet not verified before registered.. CFPB ; check their amount of docs able to be uploaded online, which is ( 5 ) ; however, a dispute may be taken more than that to prove. Which are the issues I'm having? I was able to upload one set of docs and then proceeded to upload the associated case docs, and it was a no go ; I can't make this up, try it for yourself.. The next noticed the site said you could only dispute one case every 30 days online excuse me they reported more than one account, I should be able to dispute, whatever is registered on a portal or don't report all. It's almost as if your negative generating information to assist in charging me higher rates ; please audit this Company in their practices with consumers. It is not the consumers ' job to ensure the staff doesn't get overloaded. Get the workforce and stop all this off sourcing of services American Company. 


Trans Union seems to have an issue with making sure that the billion-dollar company sites work. Attempted to posted the needed docs to complete a dispute on the portal ; however, it seems the portal can't have docs uploaded. 

I then attempted to call over the phone after spending 5 hours still no results ; I asked could they take the claim over the phone, they said yes, but I would need to mail the docs it is XXXX, not XXXX we online in what good is a portal that only allows five docs to prove a case. Then the misleading fax numbers that do not exist based on the information provided via staff XX/XX/XXXX from XXXX XXXX to XXXX XXXX   EST. 

Their entire system seems to be a joke in not trusted with consumer information. Someone from the CFPB needs to send a task team to check the online, phone, and communication outlets that frustrate consumers trying to conduct business with this Company. About incorrect information, and then they advised we have a system ; however, it required me to purchase credit protection from this old school poorly ran Company, I think not. Check their design and evaluate them. 

Please see the attachment that I was trying to provide to assist in dispute research that they need to do before just posting the garbage system. It took the XXXX XXXX stroke of the button to provide all these lies ; however, I'm having a tough time correcting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on XXXX XXXX XXXX Account Dear CFPB Representative, I am writing to formally file a complaint regarding inaccurate late payment information reported by TransUnion, XXXX, and XXXX on my XXXXXXXX XXXX XXXX account. These errors have caused significant harm to my creditworthiness, and I believe the reporting practices violate the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws. 
Account Details Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan High Balance : {$43000.00} Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Account Status : Closed Payment Status : Current Balance Owed : {$0.00} Nature of the Complaint Inaccurate Reporting of Late Payments The following late payments have been inaccurately reported across the credit bureaus, despite my consistent on-time payments : XXXX : 30-day late payments reported for XX/XX/XXXX and XX/XX/XXXX. 
TransUnion and XXXX : 30-day late payments reported for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments are erroneous as I have been enrolled in autopay for this account since its inception, ensuring all payments were made on time. 
Account Discrepancies In addition to the late payments, the following inconsistencies exist in my credit report : Closed Date Discrepancy : XXXX incorrectly reports the closed date as XX/XX/XXXX, while TransUnion and XXXX report it as XX/XX/XXXX. 
Payment History Errors : XXXX reflects fewer inaccuracies compared to TransUnion and XXXX, yet all three bureaus fail to provide a consistent, accurate account history. 
Violation of Federal Consumer Protection Laws The errors and inconsistencies in my account reporting constitute violations of : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i : Obliges credit reporting agencies to ensure maximum possible accuracy.

15 U.S.C. 1681s-2 : Mandates furnishers of information to report accurate data.

Fair Debt Collections Practices Act ( FDCPA ) : Misrepresentation of account status violates my consumer rights.

Truth in Lending Act ( TILA ) : Requires accurate reporting of financial information to protect consumers.

Requested Resolution To resolve this matter, I respectfully request the following : Immediate Correction : Remove all inaccurate late payments from my credit report across TransUnion, XXXX, and XXXX. 
Payment History Adjustment : Update my account to reflect 100 % on-time payments for the entire reporting period.

Confirmation of Resolution : Provide written documentation confirming that the corrections have been made within 30 days of receiving this letter.

Failure to resolve these inaccuraci
es may result in further action, including formal complaints to other regulatory bodies or legal remedies under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your confirmation that this issue has been resolved. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I opened up a Robinhood account back in late XXXX or early XXXX and was investing money in several stocks and crypto. A few months back Robinhood froze my account with over {$26000.00} in it and refused to give me a reason. They wanted me to submit a social security card, drivers license, unredacted bank statements showing amounts in my account, selfie holding identification, etc. I did not have a clearly legible social security card that my phone camera would pick up, it was just old, and I explained this but they made me get a new one from the Social Security Administration which took weeks. I initially sent funds from my business account to Robinhood and when I sent that exact account 's bank statement Robinhood said it have to have my name on the account NOT my business. Again, I did NOT change anything, not one thing. I wanted to move funds back into the SAME account from which it was sent to them. Same account, same account number, nothing changed. I finally received my social security card and sent that so they have everything they wanted from me but they only say, " we are still reviewing ''. Nothing else. They are holding 26K of my funds for NO REASON. Please assist if able.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting Act XXXX  account # XXXX has violated my rights. 
- 15 U.S.C 1681 section 602 A states I have 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 instructions.

-15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

The following credit card account from XXXX XXXX XXXX  currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report : XXXX is not my account. I never applied for the XXXX XXXX XXXX  credit card account. Its a fraudulent credit card account and I did not apply for the credit card account. The following hard inquiries currently listed and showing on my XXXX XXXX, XXXX and Equifax credit report is fraudulent and unauthorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is my other 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 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 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

The Bankkruptcy are asking that Experian remove the bankruptcy off od my credot and there public records.
Product: Debt collection

Credit card abuse and social security fraud at XXXX XXXX XXXX XXXX Texas XXXX XXXX account number XXXX, using my name and social with a different phone number XXXX and email XXXX Police report : XXXX
Product: Credit card

So from XXXX to XXXX time frame somebody had stolen my card and pin on my XXXX  card which used XXXX approximately on the card on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Upon applying for the loan I asked for a copy of my documentation that comes with the approval of the loan, which is the promissory note and the complete loan details. When I requested the promissory note the first month, the representative said they would send me everything I needed and I ask them to revoke the ach agreement before any payment was due so that I could send my payment properly. The company has not complied and has not given me any information and has not removed my ach account as requested. The representative I spoke with told me that I could not remove my account unless I was adding another one after I told him I was opting out of the ach payment agreement and has continued to charged my card twice and has not issued me a refund for the payments. I also told them I hat if they continue to ignore my right I would be taking them to arbitration and the representative did not care. This clearly goes against my rights as a consumer. Ive emailed and called the company several times and informed them that it was unlawful to debit a payment from my account after I specifically told them I was revoking that form of payment. Maxlend has also charged an outrageous interest fee which is almost 2 times the amount I asked for so in return Ill be paying way more than I borrowed which is not right. I feel as if Im a victim of securities fraud and discrimination due to my requests going unanswered after several attempts and my account being debited after Ive revoked that form of payment several times. Ive asked to speak to supervisors and managers and each time they tell me no one is there and they would have to schedule a call back and they never call back or process my requests.. Ive also requested that the company transfers the liability of my debt to my trust and they have not yet complied with that either. As you can see, My rights are not being respected and I do not feel Im getting equal treatment per the laws that says I have the right to do each of these things. I would like to go to the furthest of lengths to get this fixed
Product: Money transfer, virtual currency, or money service

I called Wells Fargo to exchange my dollars for yuan. When I called the XXXX XXXX  number the phone agent gave me an exchange rate of .XXXX dollars to XXXX yuan. When I went to my local Wells Fargo branch they gave me XXXX dollars to XXXX  yuan. So I received about 8 percent less money than I should have and their records on the transaction show their rate and not the rate I agreed upon over the phone. I need help getting the money I agreed upon or giving the money back at full rate.
Product: Consumer Loan

I asked for {$1800.00} they approved me then when I went to sign the paperwork it said loan was for {$2600.00}. I told them I did not want {$2600.00} they told me that I needed to take it or they would have to re approve me and draw up new paperwork which would 2 weeks. So I signed the paperwork. After 16 months of paying them over {$200.00} I had more than paid off the original loan amount and my husband left me. I could no longer afford to pay this so called and tried to renegotiate with them. At this point the lady got extremely hostile and rude towards me and all but called me a beadbeat. So I stopped paying it. Now 8 months later their debt collector is suing me for {$2600.00} plus attorney fees which I can not afford. Need help with this and their illegal lending practices.I 'm