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

I lost my debit card, the day before I was supposed to get paid along with my phone. My cell phone does not have a passcode and I have all my password saved on it. I was. I was given an old phone from a friend and was able to restart my phone. I opened all my apps and bank account to find out I was charged {$1000.00} by XXXX in unauthorized payments the day of XX/XX/2021, I called Bank of America and reported the issue as soon as I could. I was told the charges may not post since I reported this and would receive a credit back within two business days. I waited until Monday when the charges posted. Tuesday I checked my account and I still did not have a credit posted and I had two important payments coming out the next day which put my account in a negative status. A week later my claim was denying. I called once again and I found out the claim was denying because it was filed as my debit card was in my possession. The person told me that he would file a complaint and would resubmit my case once again. Once a again a few days later my claim was denied, they believe the transactions were made by me. Furious I called once again and I was told to contact XXXX. I contacted them through phone and email and got confirmation from them that they believed the charges to be fraud and to go ahea and call my bank and file a claim. I got this in writing from the company and went into a Bank of America branch and had it faxed on XX/XX/XXXX. I called on XX/XX/XXXX to find out the status of my claim to once again receive the horrible news that my claim was denied. They claim that the charges were made with the knowledge that there would be a deposit made to that account on that update and they knew how much to spend. I was told to file a police report at this point. I quickly called the police department and filed a repost on XX/XX/XXXX. I am now waiting for their response once again on the claim. I am so frustrated and really need to recover my funds. It is a large amount of money and the two bills Still need to be paid. I dont know how to proceed at this point if they deny my claim or what I should be doing to prevent this. Any help would be welcomed. I have never had such horrible customer service from a bank.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report from all XXXX bureaus XXXX, XXXX, and TransUnion. By law code 15 usc 6802. I have not received a disclosure on these inquiries. I have not agreed to any of these matters. I ask that all inquiries are removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Equifax website for determining if I am part of the major personal information breech reported on XXXX XXXX, XXXX XXXX https : /XXXX ), I am believed to be at risk and my personal information has been compromised. 

A data breech on this scale is utterly irresponsible and totally unacceptable.
Product: Checking or savings account

On XX/XX/2021 I deposited a Business Check in Ms. XXXX XXXX bank account, Account # ending XXXX in the amount of {$800.00}. The check was written out to her sister whose name is XXXX XXXX by mistake. JP Morgan Chase flogged the transaction as fraud and ask Ms. XXXX XXXX to close her account a open a new one. Chase refused to give the recipient the {$800.00} and also refused to return the funds back to my XXXX XXXX XXXX account. I have spoken to my bank which is XXXX XXXX XXXX and they said that Chase needs to contact them to return the funds. I have contacted JP Morgan Chase also, along with Ms. XXXX XXXX and to date, JP Morgan Chase still refused to return my {$800.00}. This matter have been going on for 45 days now and to date JP Morgan Chase wants to keep the {$800.00} and not the return the funds. I am requesting JP Morgan Chase to return the funds to my bank account immediately.
Product: Credit reporting

I wrote Experian on XXXX XXXX and included all copies of ID their website says they require. I had specific questions I asked for an investigation to be done. It is XXXX XXXX and they have not responded to me in violation of the law.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$450.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

I keep getting calls from Concord Servicing Corp Phone number XXXX. They are looking for a " XXXX, XXXX ''. I am not that person. I have called them and emailed them asking them to remove my number from their system and to stop calling me. They continue to call. Please make them stop.
Product: Checking or savings account

Bank of America was suppose to have set my account to pay all outstanding checks and debit card transactions as long as the balance did not fall below {$200.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Disputing Accuracy of Credit Report Dear TransUnion LLC, I am writing to dispute the following information in my credit report. The items in question are not accurate. 

Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX XXXX  According to 15 U.S. Code 1681e - Compliance procedures, ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
Regarding the treatment of inaccurate or unverifiable information, according to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 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 ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

I am requesting these items identified permanently removed from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have been a Wells Fargo customer since 2002 and since then I have been charged overdraft fees for things that were held and processed only after the funds weren't available. This has happened many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I found after several phone calls and investigative questions that a company by the name of LexisNexis reported false and derogatory information regarding an accident that I was involved with onXX/XX/XXXXin the fact that according to XXXX XXXX, their 3rd party reporting company " LexisNexis '' provided a report stating that the NE DMV records purportedly revealed that I was " At Fault '' pursuant to a Nebraska DMV record they pulled. Because of this information, my rates were provided at an increase for insurance product. In arguing the finding I was told that XXXX used this 3rd party reporting company and that there was nothing that could be done ... WHAT??? So I'm just supposed to sit back and eat that proverbial sandwich? Not hardly!

I immediately contacted the Nebraska DMV who provided ( at the cost of {$3.00} ) a report that clearly states " An entry for an accident which may appear below is for statistical purposes only and does not indicate a determination of fault '' and went on to describe the date and report number of this accident. Further, the Gentlemen at the Nebraska Department of Motor Vehicles stated that they do not provide any information of guilt or not for an accident, so they do not know where XXXX  or LexisNexis would have pulled this information.

I then personally drove to the XXXX  NE Police Department and obtained a copy of the police report from the accident which CLEARLY INDICATES that the other driver was AT FAULT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, causing me bodily harm and totaling the vehicle in which I WAS DRIVING.

This blatant and outright defamatory information that this 3rd party company " LexisNexis '' is providing to XXXX knows who is absolutely uncalled for and erroneous in every fashion with respect to this matter, in addition it has cost me at this point over 3 hours of my time and personal expense to correct an issue that absolutely otherwise does not exist in any NE DMV or XXXX  Police Department or public office.

I find this to be a gross negligence of their actions and a dereliction of their responsibility to properly report the public findings on me, and if this information is incorrect, what else is, and who else have they done this to that may or may not realize it ; especially when at the end of the day their negligence causes a rate increase that is not warranted or called for and blemishes my otherwise impeccable driving record!
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not relating to any transaction by the consumer. XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX1 ; XXXX XXXXXXXX XXXX XXXX, FL XXXX ; XXXX XXXX BalanceOwed : {$7900.00} ; XXXXXXXX XXXX XXXX Balance Owed : {$4900.00} ; XXXX Balance Owed : {$330.00} ; XXXX  XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has my bank account information showing on my consumer reports without deposits made by employer and all transactions and I want it removed immediately as well as I want to opt out of all three credit agencies being able to access my personal information and account information and anything concerning or pertaining to my social security number permanently
Product: Debt collection

On XX/XX/19, I received a call from XXXX which showed as " XXXX XXXX '' on my caller ID. I answered the phone after confirming the number was from Synchrony Bank. The collector asked for me, and I said he was speaking to me, but my attorney needed to be contacted, as I signed Chapter XXXX Bankruptcy papers on XX/XX/19. The collector did not recite the mini Miranda ( which, XXXX XXXX did, even after I let them know to contact my attorney, their collector identified herself, the company, and recited the mini Miranda, as per FDCPA regulations ), did not identify himself, or the company ( so I do not even know which Synchrony Bank card he was calling about ), or ask me any information that would indicate I am who I said I was, other than my name ( most collection companies will ask some sort of identifying question ). I worked for a collection agency and I am very well-versed in FDCPA laws and guidelines. Regardless of quickly the conversation was, the collector is required to identify themselves & recite the mini Miranda.
Product: Prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM ABSOLUTELY INFURIATED AT THIS POINT. I HAVE BEEN FAXING THIS INFORMATION FOR MONTHS AND I AM STILL GETTING THE RUNAROUND. I CALLED TODAY ( XXXX, 2024 ) for an up date. I was told yet again that I was missing information. Each time I call I get the run around over and over. 
I am very very put off that I now being asked for my drivers license. I NEED TO KNOW TO RESOLVE THIS ASAP. 
THE REPS EITHER TO DO SPEAK ENGLISH WELL, OR THATU DO NOT KNOW WHAT THEY ARE DOING. YOU HAVE MY GIFT CARD THAT WAS GIVEN TO ME BY MY CHILDREN YET BE XXXX  XXXX MADE AN ERROR MY MONEY IS BEING WITH HELD. NO ONE CAN CALL ME TO RESOLVE? This absolutely horrible and an obvious ploy to with hold funding from the XXXX and XXXX which I am both. Id like to have this resolved asap. Pls call if you missing anything aside from dumping this and waiting for a customer who has done everything asked yet this is no resolution or even an attempt resolve. ( contact ) XXXX IVE BEEN TRYING TO RESOLVE THIS FOR FOUR MONTHS
Product: Checking or savings account

I logged into check my Credit Karma Score and found out that somehow a Credit Karma savings account was opened in my name that I did not open. I contacted Credit Karma about the account and told them I didn't open the account. They kept asking if I wanted to close my account as if I opened it. I told them each time I wanted the account deleted as I never signed up for it. They asked me if I wanted to close my account again and again. It's not my account. I did not sign up for it. There has never been any activity on the account from what I can see. No bank accounts linked nor any transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company claimed they would followup with me. They have not. I filed another claim and you said I was not a customer. Attaching my order history and communication with your company here. You can not escape accountability for your horrid customer service.
Product: Debt collection

THIS COMPANY ; XXXX XXXX XXXX XXXX XXXX XXXX HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!
Product: Credit reporting or other personal consumer reports

Its incredibly frustrating to see accountsshowing up inaccurately on my credit report. Ive tried multiple times to resolve this with you, but nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three bankruptcies reporting on my credit report with Experian. Ive contacted them and told them I have proof from XXXX XXXX which is where they are getting there public information from that these bankruptcies was removed from my public records because they were open fraudulently they dont belong to me.
Product: Checking or savings account

I stepped foot into Wells Fargo on XX/XX/2022 to close my safe deposit box. I first attempted this on XX/XX/2022 but was told I would not be serviced without an appointment. 

Both keys were surrendered and the box contents were removed. I was told a key deposit of {$20.00} would be refunded. I have yet to receive this refund but have received a notice from Wells Fargo that the safe deposit annual fee is past due.
Product: Payday loan, title loan, or personal loan

I owe this loan company named OneMain Financial XXXX dollars but here recently every time I make payment 99 % is going to interest and it's supposed to be a 35 % interest loan. The payment is XXXX a month. They say it's because My payments haven't been spaced exactly less than 30 days apart so if I dont pay in exactly 30 days or less every month they send almost all of the paymentto interest. I can understand a little bit of a hike in interest but not going from 35 % to 99 %
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, this writer contacted XXXX XXXX XXXX Credit Bureau Department via email and requested they NOT list any accounts pertaining to me derogatory or not, to any of the ( 3 ) main major credit reporting bureaus pending a internal investigation by their Dealer Compliance Department into a ( fraudulent buyer contract ) intentionally misrepresented and prepared by the dealer. 

The next day on XX/XX/2021, XXXX XXXX XXXX aggressively ignored the email request and listed the account debt to all ( 3 ) major credit reporting bureaus. 

Since that time this writer had filed disputes with the ( 3 ) credit bureaus and also filed a complaint with the Federal Consumer Protection Finance Bureau. 

On XX/XX/2021, XXXX XXXX XXXX Director of Dealer Compliance ( XXXX XXXX ) responded to the Federal complaint ( see attach. ) by falsely stating that the loan or contract in question had been 'sold back ' to the dealer and that there would NOT be ANY CREDIT REPORTING TO THE CREDIT BUREAUS. 

AS THIS WRITER PREPARES THIS STATEMENT, THERE IS A CURRENT PENDING DISPUTE WITH TRANSUNION TO HAVE THE ACCOUNT REPORTED BY XXXX XXXX XXXX ON OR AROUND XX/XX/2021, REMOVED. 

ON XX/XX/2021, THIS WRITER ALSO RECEIVED A LETTER FROM XXXX XXXX XXXX COPIED TO THE DEALERSHIP ( XXXX XXXX XXXX ) STATING THE CONTRACT WAS NOW 'RE-ASSIGNED ', NOT SOLD BACK TO DEALERSHIP AND THAT I ( Buyer ) WAS STILL LIABLE FOR A FRAUDULENT CONTRACT. 

I'M ASKING FOR AS VERIFIABLE PROOF, XXXX XXXX XXXX SUBMIT DOCUMENTATION SHOWING WERE THIS WRITER ( BUYER ) DEPOSITED ( {$7000.00} ) DOLLARS DOWN ORIGINALLY TO THE DEALERSHIP XXXX XXXX XXXX  ( XXXX, FL. ) as was fraudulently claimed in the buyer contract or SEND RETRACTION LETTER TO THIS WRITER COPIED TO BOTH PARTIES!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, have submitted all necessary documentation five times to TransUnion LLC and they continue to report such accounts. TransUnion LLC has willfully and knowingly continued to report false information on my consumer credit report and are liable pursuant to 15 USC 1681n and 15 USC 1681o. TransUnion LLC is in violation of 15 USC 1681c-2 ( a ) by deliberately failing to block the information from my consumer credit report. TransUnion LLC is in violation of 15 USC 1681b ( 2 ). TransUnion LLC is in violation of 15 USC 1681b ( b ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX XXXX Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor XXXX ) XXXX.
Product: Student loan

In XXXX I registered and enrolled in a XXXX XXXX XXXX program at XXXX XXXX. I was not a high school graduate nor did i have a G.E.D. I was very excited because at the time that was not a requirement or barrier in enrolling for the program. All they required is that I take some sort of test to prove that I was at required reading and writing levels to attend. I passed the test with no problem. I was so excited being a young single mom with an opportunity to start a career path. My student loans were approved. I started school but unfortunately had to drop out after a few months because I could n't find child care for my daughter. And could n't afford to pay any fines or payments back on my loans because I was not working and on public assistance receiving Cash Aid and receiving food stamps to take care of my daughter. A couple years had gone by and it was time to enroll my daughter in pre-school. I thought this would be the perfect opportunity to go back to school and finish what i started a couple of years ago. So I contacted the school and had to jump through hoops to get back in but I did everything that was asked of me. Paid a {$400.00} dollar fine and got 4 letters of recommendation from people I knew. And I wrote an Letter and Essay on why I thought i deserved another chance. Once again I was given a huge hug by the Dean and she told me how proud she was of me and I started Class a week later. One evening when i had gotten home i recieved a call from the school reminding me that i needed to bring in a copy of my diploma or GED to keep on file for their records. I explained to her that must be some sort of confusion. The next day in class the Dean pulled me out of class and told me that their policy had changed and they overlooked it in my file. And that I had two months to take my G.E.D and show proof in order to continue taking the class and stay enrolled. I became so discouraged that After a week I never went back to class. And here it is 8 years later and the government is garnishing my tax refund.