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

This is a two-part complaint ; this complaint is for the Bank of America XXXX I will be submitting a complaint on the law office after I obtain as much information as I possibly can. A legal order was submitted on XX/XX/XXXX from a law office in XXXX XXXX  regarding a judgment for toll violations ; I live in XXXX and never received correspondence from this law office before. 

I learned about the order on XX/XX/XXXX as I expected my paycheck that day but was met with {$0.00} in my account due to my account being frozen ; my ENTIRE paycheck was subsequently removed from my account due to the court order, which I doubt is legal as it did not seem to follow either XXXX or XXXX XXXX XXXX guidelines on garnishment, otherwise my account would still have money in it. 

I asked for a copy of the court order from the bank on XX/XX/XXXX and was refused. I was then told that I should wait 1-2 business days and the court order will be in my account documents. I was told to call the law office and was provided with the phone number and court docket number. Needless to say, I have been given the run-around by the law office so far, especially after informing them that the docket number this office gave to the bank turned up a court case for an *entirely different person. * There will be more details in the complaint against the law office. 

The court document is NOT in my account, and it is 3 business days from my initial call. I called the bank and asked if the legal department had this documentation and to provide it to me as I was told... they refused and acted as if they told me from the very beginning that the legal department would not provide that information to me. I then informed them I was lodging a complaint to the CFPB.
Product: Debt collection

on the date XXXX I sent a letter stating that this agency is in violation of 15 U.S.C 1692g. This agency fail to respond satisfactorily with deletion and to cease all collection activities of the accounts that are reporting on my credit report it has been over 45 days later and I have not received a response. I truly feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. it has been well over 45 days so they should be deleted. I demand these accounts be deleted and to cease all collection activities immediately or I will file for litigation which I will be seeking {$3000.00} per violation for Defamation, Negligent Enablement of Identity Fraud and Violations of 15 U.S.C 1692g.
Product: Credit reporting or other personal consumer reports

Experian did not properly investigate and allows items to stay in my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, XXXX, and Equifax ) and I still haven't received a response from any one of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company named XXXX has reported a debt for a medical service I did not have with XXXX XXXX XXXX. Ive  contacted XXXX XXXX XXXX numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Inaccurate bankruptcy information reported. Incorrect court name and case number. See attached documents.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX loan that attached my vehicle for XXXX  back in XXXX with One main financial group here in XXXX  I was quoted that I was approved for {$12000.00} but I only got XXXX because I'm an XXXX XXXX I got less because I didn't have a check stub. and I was stuck with over XXXX in interest fees that I'm still paying.
Product: Checking or savings account

Subject : Complaint Against TD Bank for Unauthorized Transaction Dispute To : Consumer Financial Protection Bureau Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account Number with TD Bank : XXXX MERCHANT NAME : JUSTFLY TRANSACTION AMOUNT : {$4000.00} I am writing to file a complaint against TD Bank regarding an unauthorized transaction on my account. On XX/XX/XXXX, a charge of {$4000.00} was made to the merchant XXXX, which I did not authorize. 

Upon discovering this unauthorized transaction, I immediately contacted TD Bank to dispute it. Despite my prompt action, TD Bank denied my dispute, asserting that I had authorized the transaction and traveled. I want to clarify that I am undocumented and therefore unable to travel, making it impossible for me to have made this transaction or traveled as claimed by the bank. 

Since then, I have repeatedly contacted TD Bank, including in XXXX, XXXX, and XX/XX/XXXX, seeking a resolution. I have visited the branch where I opened my account numerous times and called TD Bank numerous times as well, but I have not received any assistance or satisfactory explanation. 

I have been a loyal customer of TD Bank for years, consistently maintaining a balance of at least {$20000.00} in my account. It is deeply distressing that my longstanding relationship with the bank and my trust in them have been undermined in this manner. Additionally, I am the sole caregiver for my paralyzed parents, and the loss of these funds has significantly impacted my ability to provide for their health and well-being. 


I respectfully request the CFPB 's assistance in resolving this matter. Specifically, I am seeking the recovery of the disputed amount of {$4000.00} and a thorough review of TD Bank 's handling of my dispute to ensure compliance with federal regulations and fair treatment of customers.
Product: Checking or savings account

On XX/XX/XXXX, an overdraft fee was posted to my account. On XXXX XXXX, I have a balance of {$5200.00}, and my credit card companies pulled {$2000.00} out on the XX/XX/XXXX, however, due to Cadence bank 's technical issues, these charges were not processed or validated until later days, but were posted without showing up on the online banking app. The balance wasn't reflected correctly. The bank itself also has an alert message : Please be aware that some transaction data from XXXX may be unavailable to view in your online account. We are working to resolve the issue as quickly as possible. '' After talking a supervisor, they failed to honor the issues caused by their technical problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I requested my consumer report from XXXX XXXX. On XX/XX/2022, XXXX XXXX  sent my consumer report labeled as " XXXX XXXX XXXX. '' After reviewing and seeing all my information that XXXX XXXX has been providing to financial institutions, XXXX XXXX is committing identity fraud and violating privacy protection for consumer information. XXXX XXXX has not received written permission from me to disclose such information. I have no contract or agreement with the company to furnish my personal information ( name, SSN, address, phone number, Drivers License #, and banking information ) to any person or corporation.
Product: Mortgage

Issue Description : On several occasions, I attempted to make my mortgage payment to Carrington Mortgage Services using the payment coupon they issued. However, despite following the instructions on the coupon and ensuring that the payment method complied with their stated requirements, my payment was either rejected, not processed correctly and my payments never returned. 

When I contacted Carrington Mortgage Services for clarification, I was given conflicting information and was unable to resolve the issue satisfactorily. Their response was that I was attempting some type of debt eliminatin scheme and left me feeling that my payment was unfairly mishandled, potentially putting my mortgage account in jeopardy through no fault of my own.
Product: Credit card or prepaid card

Tere are something i havent apply for i nenes Then of ny Credit report so please
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed dispute in regards to the incorrect items on my credit report. it has ben well over 30 days and i haven't received any investigation results.
Product: Debt collection

I was disputing a negative derogatory on my credit report the apartment complex I applied guarantee me that if I applied I would have nothing to loose because if I were to be denied I would be refunded my administration fee back and they did refund me my money back now I look on my credit report this collection agency is coming after me for refund I received for not being approved. This business has not only reported a fraudulent amount towards my credit report but has misuse there advertising to mislead consumers into applying only to ruining their credit because they are using a system that are not based on facts but probability algorithm. Which does not comprehend with a person income. I have email of them stating how I would receive my email and proof I paid my own money to the administration fee.
Product: Credit reporting or other personal consumer reports

I have disputed unknown information and inquires on credit report provided documents of proof still nothing was investigated or changed. My personal information has been used to inquire bank accounts and loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE THE DISPUTED ACCOUNT AND INQUIRIES OF FMY CREDIT REPORT FOR THEY HAVE BEEN CAUSING SEVERE DAMAGE TO MY CREDIT. THE ACCOUNT DISPUTED WAS NOT AUTHORIZED BY ME. PLEASE HAVE IT OF FMY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and transunion fail for provide factual documents about these accounts : XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the recent reinvestigation conducted by your agency regarding the inaccurate account information on my credit report that was not removed, despite clear evidence of its inaccuracies. This failure to delete the disputed account is a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : [ Amount ] {$4800.00}
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX XXXX, Wednesday, XX/XX/2020, between the time of XXXX through XXXX, the XXXX XXXX walk-up ATM at XXXX XXXX Street in XXXX, California malfunctioned after I selected to withdraw {$900.00} from my Direct Express Mastercard ending in XXXX AND SO NO CASH WAS DISPENSED! Because of the XXXX XXXX 's XXXX holiday, the XXXX XXXX branch was closed so I was unable to speak with anyone in person. I called DIrect Express Mastercard at XXXX and filed a claim dispute on the same day of XX/XX/2020 and was given a service request number, and I was advised to fax an affidavit explaining what occurred as soon as possible to prevent any recovery of my money from being delayed. I faxed the requested information to Direct Express on Friday, XX/XX/2020, and on XX/XX/2020 Direct Express Mastercard supervisor/manager XXXX confirmed receipt of my affidavit. HOWEVER, from XX/XX/2020 through XX/XX/2020 I was unable to get through to speak with ANYONE at Direct Express Mastercard. Either I was unable to remain on hold for an hour or my call was disconnected by Direct Express Mastercard due to heavy call volumes. Finally, today, this morning after calling Direct Express a second time since my first call was disconnected after being placed on hold for management, XXXX or Direct Express Mastercard advised me that on or before XX/XX/2020, FIFTEEN DAYS after filing my ATM claim, Direct Express Mastercard response will be available. I requested that XXXX submit a message to the investigation unit advising them that they had ONLY TEN DAYS from the date of XX/XX/2020 to issue me a provisional credit. And XXXX confirmed receipt of my affidavit on friday, XX/XX/2020, two days after filing my ATM claim. And in speaking to XXXX XXXX branch manager XXXX XXXX yesterday on XX/XX/2020 at XXXX, he advised me that after balancing the walk-up ATM yesterday, a discrepancy was identified in the total amount of cash the ATM was suppose to have in comparison to the total amount of cash actually present inside the ATM. I also reported this same information to XXXX during my call. The {$900.00} was part of my monthly Social Security payment, and I have no money whatsoever.
Product: Debt collection

Someone used my personal information to obtain services with XXXX XXXX XXXX in my name without my knowledge or consent. Franklin Collection Services has placed this fraudulent account on my credit report in the amount of {$640.00}. The last activity date was XX/XX/2020 I contacted Franklin Collection Service and informed them that this account was fraudulent and they stated that they would have to contact XXXX XXXX XXXX regarding the account and wait for a response before they could give me a response about the account. 

I sent Franklin Collection Service a copy of the FTC report and ID Theft Affidavit that I filed as well as a request for them to validate the debt. I have not heard anything else from them.
Product: Bank account or service

Wells Fargo ( WF ) has about XXXX customers. 

US adult cell phone usage is about XXXX %. 

Therefore, about XXXX WF customers do n't own or use a cell phone. 

Yet, WF has just instituted a security policy that prevents those XXXX customers from accessing their funds in its SurePay payment system. 

WF customers are required to obtain an " advanced access code '' in order to send money via Surepay, to friends, family, or businesses. The only way to get a code is to request and receive a text message on a cell phone. There is no other way to get a code. This new measure was put in place with no notice. 

I spent 2 hours on the phone today discussing my frustration with this new obstacle ( my cellphone has no service in my rural Colorado area, so I can not get a code ) with WF customer service, escalation, and corporate staff. In a nutshell, their response was " we do n't care, we are not going to make any changes ''. I expected them to offer alternatives, of which there are clearly many, but no, just more of " this is how we do it, if you do n't like it, go somewhere else, because we just do n't care ''. 

I do n't think WF should be allowed to deny me access to my money, and the ability to transfer it to others of my choice, in this manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting act.XXXX XXXX XXXX account # XXXX & XXXX XXXX XXXX account # XXXX, has violated my rights. 

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.
Product: Credit card or prepaid card

I have recovered from my identity being compromised and upon review of my credit report I notice this account was unfairly closed. I was in communication with this company while on XXXX XXXX and wish to have this account restored as it was not authorized by me. They lost payments and have had terrible communication but I was willing to make it work never wanted to close this account because it would affect my credit. Synchrony needs representatives who CARE and properly tracked payments and notes on calls. No one ever knew what I was talking about and they took the initiative to close and we find it interesting that many stores were closing too.
Product: Credit card

In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section six two states I have the right to privacy ( 15 USC 1681 ( section 6 4a section 2 ( It also states a consumer reporting agency can not furnish an account without my written instructions under 15USC 166B a creditor may not treat a late payment on a credit card account on an open end consumer credit card as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance XXXX : {$9900.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance Owed XXXX {$68.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Equifax and XXXX an FTC Identity Theft Report via USPS Certified Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX  on XX/XX/2022, which they received on XX/XX/2022 and XX/XX/2022 respectively. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( Per 15 U.S. Code 1681c-2 ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called Equifax and XXXX today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and both companies claimed they were not obligated to remove the fraudulent items from my account, even though XXXX had already removed the fraudulent accounts from my credit file. For this reason, the items still remain on my Equifax and XXXX credit report and are still causing me and my reputation personal harm and discrimination.
Product: Credit reporting

I 've tried to navigate equifaxes dispute form to no avail it does not show the items I want to dispute. I have paid XXXX out of XXXX of those depts and the other I have no idea where it 's from.
Product: Checking or savings account

On XX/XX/2019 I used my XXXX XXXX XXXX debit card at the bank of Oklahoma outside ATM between the hours of XXXX and XXXX XXXX. The branch address is XXXX XXXX XXXX XXXX XXXX, OK XXXX. 

I attempted to withdraw {$400.00} and there was a {$3.00} service fee since I do my banking at XXXX  XXXX XXXX. After putting in my pin number and typing in how much money I wanted to withdraw the ATM completely turned off. I waited a few minutes and the machine did not come back on. I pulled around to the front of the building and went inside to talk to the teller. She said Oh man ... It turned off again? She assured me that the {$400.00} withdraw would show up as processing on my bank statement for a few days and then it would completely fall off since the money was never dispensed. I withdrew {$100.00} from inside the branch and left. 

About a week later I noticed that the {$400.00} ATM withdrawal that I never received was debited from my account. My husband and I have contacted Bank of Oklahoma several times and have even filed complaints through XXXX XXXX XXXX or assistance with this issue. Bank of Oklahoma says that the money was dispensed. If that is the case, we have been asking that they view the security footage from the ATM because the money was not received by me. My only guess is that the ATM came back on eventually and dispensed the money to someone else. After multiple claims have been opened, we have not reached the proper resolution.