23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, We have lit. spend hundreds of hours trying to clear up a mess XXXX bank has made! 

1. It started with a chargeback for XXXX that was charged to us that was not authorized twice ( one was credited back the other was not ) we only authorized XXXX to this via trip avisor and so disputed such All we got was a complete run around of the cvc chip was scanned but was not, then stating merchant has not violated terms??? 

Never did we get the funds back despite the tons of calls to XXXX and the XXXX which are your customer service agents. And sent tons of documents in dispute 2. Then we got a charge on the card but was kept being told it was interest with a zero balance Finally we asked the card to be canceled and cleared up and never hear from XXXX again. The statement Being doctored many times by your agents it appears. 

3. Now not only did we never get the credit but you hit our credit report losing 85+ points over your continual mistakes Please clear up our account a credit would be nice but at this juncture just want our credit restored from YOUR Continual mistakes XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Oregon XXXX XXXX XXXX XXXX Cell XXXX XXXX XXXX Office
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I mailed my FTC report and my license to XXXX, Equifax, and XXXX. I will be filing a civil suit against these companies. I have fraudulent accounts reporting on my consumer report illegally.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple dates since XXXX of 2020 I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently XXXX because of their negligence.
Product: Checking or savings account

The company XXXX XXXX, and spinoff BM Technologies , IncXXXX ( also called XXXX XXXX XXXX ) refused to honor it's issued check numbered XXXX, acting as a payment agent. The check arrived via USPS First-Class Mail with a South Dakota return address. Calls to the phone number on the check ( around XX/XX/XXXX ) go to a call center that says that the check is stale-dated, and asks if I am a merchant. I am not a customer of the bank payment service company nor a merchant. The check is dated XX/XX/2022 ( XX/XX/2022 ) and was deposited electronically XX/XX/2022 and accepted by the accepting depository institution XX/XX/2022. The check was returned on XX/XX/2022 along with a {$10.00} Deposited Item Return Fee from the accepting bank. The depository bank can not give any information as to why there is a stop payment besides that the check may be stale-dated, which it was not. The check was deposited within six months after it's date. The funds need to be replaced for the check so that the the customer 's account is properly charged and there is a timely credit for the value of the check presented for payment. Contacting the principal doesn't help as its agent handles payment after the payment is authorized.
Product: Credit reporting or other personal consumer reports

Accounts compromised on XXXX XXXX  1681e. Compliance procedures ( a ) Identity and purposes of credit users 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. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
Product: Vehicle loan or lease

This dealership is the reason the CFPB was formed given their multiple violations of consumer law during our experience on XX/XX/2018. During the negotiation process for a new vehicle we were forced to execute what was indicated to be a required compliance document several times, yet when they tried to reintroduce fees we had already requested be eliminated for ancillary products and services they were unable to produce the previous versions of this required compliance documentation. 

We left the dealership for two hours while they supposedly shopped our credit with financial institutions. They indicated with a strong credit profile we should expect 3.88 % or better, however, when we sat down to sign final documents and immediately requested that we first confirm our loan APR term, it was indicated to be 4.49 %, even with a 850+ middle FICO score and more than 30 % down. When we questioned this rate we were told the APR is determined before you get to my department but I think I have a coupon that could get you a better rate P if you are willing to open a new account at a credit union. We declined and they were not able to produce the approved rates they received for us at any other institutions, even though they indicated earlier we would be an ideal fit for their lender partner XXXX that specialized in 800+ FICO borrowers. It was an indication to us the dealership & /or manager was receiving an incentive to try and place our loan with the 4.49 % institution they did even though it was not the best qualifying rate for our loan terms. They hadnt even shopped our great credit with their parent XXXX even though there was an active promotion for 3.86APR for well qualified buyers for our specific vehicle and our preferred 60-month loan term. When we inquired as to why, the manager indicated they were unaware of the promotion and a second manager indicated our FICO didnt mean we would get that rate because XXXX may not like our credit profile.
Product: Checking or savings account

Wells Fargo initially set up my account that was a custodial account incorrectly. After being given all the legal documentation as to what type of account shouldve been opened, they opened the wrong one. Also, they took XXXX of my money and transferred it into a portfolio for stocks. They told me this would be the best way to go to earn more money on the money that you have. So I did that, and I lost {$5000.00} because of it when I asked for them to take out that money and put it back in the main account. It took them days to do so. They left it in there as long as they could. The name of the manager at the time who did this it was the XXXX XXXX, Florida location and his name was XXXX. He is no longer with the company, not sure why? However, he gave me that advice The entire time in which I thought was good advice due to me, not knowing any different. This was my first time having this type of account. And again he was given all the legal documentation that came from the judge that indicated what type of account to open. So Im sure there was more than XXXX lost but that is what I can remember. And I feel like because he gave me bad advice thats the reason I lost {$5000.00} and the bank should be responsible for giving that back to me. Or need, I say, put it back in the XXXX account where it was taken from.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department, I am writing to dispute several accounts that have been incorrectly reported under my credit profile. These accounts do not belong to me, and I am requesting their removal from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were reported in error and should be removed from my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and correction of this misinformation. 

Please confirm in writing once these items have been deleted. If you need any additional documentation, do not hesitate to contact me.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 they failed to investigate. My claims adequately they informed me that recovering lost funds was impossible, and that tracking these transactions was unfeasible the CFPB finding indicate that there has not only neglected to protect the consumer, but has also allowed repeat offenders to exploit the system leaving us vulnerable to scams this lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety
Product: Credit card or prepaid card

I received a credit card from Chase/XXXX that I did not apply for. Very disturbing that a credit card was opened in my name. Chase has still not told me how/why the card was opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I XXXX XXXX sent a letter saying there are wrong and unknown things on my credit report. It has been over 45 days later I have not received a response yet. I feel like i am being wrongly treated and ignored of my disputes. I believe failure to look into these items within 30 to 45 days gives a reason to quickly remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be delete immediately or I will file for a case due to the distress caused to me. I have repeatedly tried resolving this issue and I have already filed an FTC report as well as attached my Identity theft Affidavit as well. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  : Original creditor : XXXX XXXX XXXX  Placed a collection on my consumer report, that is not mine. The other 2 credit reporting agency have removed from my report. Between XX/XX/year> and XX/XX/year>, your XXXX XXXX XXXX collections account was reported as closed.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

Today I received a message via email that my " card information may be at risk due to a data breach at a business where you shopped recently. To help protect you from fraud and give you some peace of mind, were reissuing your card with a new account number and security code. '' I subsequently called the card issuer, Capital One Visa, and asked for the name of the merchant that suffered the data breach. I stated that I wanted to stop doing business with the company to avoid further risk to my account. The representative expressed sympathy with my concern but refused to name the company. 

Unsatisfied with this answer I asked to speak to a manager and was transferred to a fraud specialist at Capital One Visa. The manager repeatedly refused to disclose the name of the organization.

This is unacceptable. If a company fails to secure its data then customers should have the right to know about it. Capital One 's actions seem more concerned with protecting a company from the consequences of its data breach than protecting the individuals, like myself, who have actually suffered a real loss and remain concerned that we may be exposed to additional compromise. In other words, how can I be sure that the new card I have been issued won't be compromised again if I unknowingly return to the same business that caused the problem in the first place? 

Furthermore, how can I be reasonably expected to protect myself if companies merely circle the wagons and keep customers in the dark? This is about far more than just exposure of my credit card account. What else was exposed by this data breach? Capital One Visa should automatically be obligated to notify customers of a data breach so that customers like myself can mitigate losses and protect assets from all forms of data exposure. 

In closing, companies with insecure and/or badly managed data management practices should be exposed so that security minded individuals like myself can make educated decisions about the management and exposure of our data to companies we do business with. This includes credit card companies themselves. How can I protect myself from something I am not allowed to see?
Product: Checking or savings account

{$10000.00} from unemployment benefits XXXX stolen. Was held against my will in a store. 
XXXX XXXX XXXX XXXX  XXXX in XXXX NY. 

The cashiers stole my unemployment benefits. My husband helped them the ordeers of protections didn't work he and the cashiers that work thier have a culture in the store against me. 

Police won't help!!!
Product: Credit card

I have a credit card with Bank of America and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Bank of America and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Bank of America says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Bank of America says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Bank of America. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company pulled my credit twice in one day without my authorization or consent
Product: Bank account or service

On XXXX XXXX 2016 Bluebird By American Express locked my DEBIT card out due to a credit added to my account, they said that was against their policy which I figured was not due to you can transfer money from XXXX account to another you can have direct deposit from an employer. I am a XXXX and I had a client which I replaced a part on his truck he bought the part cash and he gave me the old part to turn in for a credit which was how he paid me for the labor, I went to the vendor that he bought it from and they issued me a credit seems I did not have an account with them they needed to put it on a bank card or credit card, at the time the only card I had was my BLUEBIRD by American Express card which I felt was ok to do. Now Bluebird has been saying this is under review for the past month the last time I talked to them was XXXX XXXX 2016 they stated they reviewed it and they would be sending the funds back to the merchant, I called the merchant to tell them to be on the lookout for the funds to be returned and they have seen nothing, now the BLUEBIRD people stated give them 5-7 business days. So as I am writing this this have me on hold been15 minutes. But the transaction was done on XXXX XXXX 2016 and they locked my card out on the XXXX of XXXX, I have called them at least 15 times, they wanted a letter sent to some address in Utah which I paid {$18.00} to get XXXX here next day, there was a receipt from vendor so I sent them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and noticed there were 3 unauthorized hard inquiries ; XXXX XXXX, XXXX, SXXXX XXXX XXXX that were on my report due to reported inaccuracies or someone applied for something in my name, these inquiries are affecting my credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a new complaint on Experian with regards to how they handled my dispute with a collector and their extremely difficult processing methods of providing information for disputes. 

I had filed a complaint with all three credit reporting agencies and CFPB with regard to an inaccurate credit report on my file. The CFPB complaint number is XXXX. Experian notified me of the final results of the dispute on XX/XX/23 ( XXXX ) without providing any written or electronic documentation. I was only able to know what the result was after speaking with the Experian operator who said that the debt collector has reported that the information is accurate. When I inquired about written documentation for my record the operator said that the information is not recorded and is via communication that can not be forwarded to the consumer. I was told to reopen a new dispute and send upload documents which I did. But Experian 's website upload evidence is extremely difficult and impossible to upload. 

The website has a 1-2 min limit on how fast you can upload information. I had to copy-paste info the subsequent time to apply faster, but then the website refused to upload documents. My files were already in PDF and less than the allowed size. The operator then told me to convert the files to black and white, which I did as well and wasn't that simple to do. Even after all these fixes, Experian refused to upload files. In my last conversation, the operator stated that they do not know the reason and I must send the documents by mail. 

With this experience, my concern with Experian is that they have purposely made the process so difficult for consumers that it is almost impossible to file a dispute with the information requested. Not providing any documentation of the results is also against transparency to their customers and gives protection against inaccurate filings on our credit reports.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2024
Product: Debt collection

Credit acceptance is attempting to take money from me for 8 years ( XXXX ). It is now XXXX. Im XXXX I do not know them. I was told it should have been removed and resolved.