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

I am a victim of bank fraud and I can not get any help from Regions Bank where I have been a member for 40 years or more ( through many name changes with the bank... XXXX, etc, ). 


On XX/XX/year>, my partner, XXXX XXXX, had a XXXX  XXXX and almost died twice. I spent the next nine weeks with him in XXXX XXXX XXXX XXXX from early morning to late night. He came home on XX/XX/XXXX. Sometime during XXXX someone evidently contacted Regions Bank and convinced them to send them a debit card to my account. NO ONE from Regions Bank contacted me at anytime to question this request. Then, whomever got the card, went to an XXXX XXXX XXXX in XXXX, PA and withdrew ALL OF THE FUNDS in my checking account. I did not realize this until my automatic payments to various utilities and businesses began to bounce. 


I immediately contacted Regions Bank and told them that this was in error. They have conducted investigations and say that I authorized this transaction. That is a lie. 


The people at the bank have told me that they sent this card to someone in Pennsylvania but will not tell me who nor the address that it was sent. They gave them a bank card WITHOUT cancelling my debit card. This, in itself, makes no sense. 


I am at a loss as what to do. The funds stolen were {$4900.00} and went to XXXX. When I XXXX XXXX it comes up as XXXX. 


At NO TIME have I authorized ANYONE to get a bank card on my account. I need help since the bank is not helping me. Please help me get this money back or let me know who I need to contact in order to get it back. I have a Police Report that I filed with XXXX and the report that I filed with the Federal Trade Commission . 

I have also filed a complaint with the Tennessee Secretary of State XXXX XXXX ; my US Representative XXXX XXXX ; the Commissioner of Banking and Finances for the state of Tennessee XXXX XXXX and the Federal Trade Commission. I am at a loss as to what else I can do. This is a travesty. I am XXXX XXXX XXXX and can not afford to lose money this way. I trusted Regions Bank for decades and now they are letting me downstealing from meat my most vulnerable time of my life. 

Sincerely, XXXX XXXX XXXX Phone XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I see some inquiries that I do not recognize. Please remove from these inquiries off of my credit report. TRANSUNION, XXXX, AND XXXX PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My car got repossessed On XX/XX/XXXX and I've bin having issues with the company wellsfargo auto for almost a month an a half and even though I was behind when I got the total amount to get the car back I notice it was un accurate I asked for a transaction history and was able to notice a couple mistakes and I asked them to fix them and they only keep telling me that they have looked over it and they don't see any mistakes and that they keep adding to the quote they have given me to get the car back but I can clearly see in the copy of my transaction history that they are able to put and remove transactions and I think they just closed my case since they are unable to do anything to benefit me for how many times they look into it instead of fixing it like I've asked till today XX/XX/XXXX unless they are still looking for my two missing items and also I don't know what else to say when they keep telling me the same thing even though the information they have given to my credit bureau states about the same amount i've bin telling them and I've bin trying to get someone else to help me out with this but even a banker  agrees with me and have tried to talk to them won't do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Capital One on Wednesday XX/XX/XXXX because there is a late payment being reported on my credit report in XX/XX/XXXX. The representative stated he saw no late payments in my history but he could not go beyond 180 days in the past. I have never been late with my payments. I still have a current open account with Capital One that I want to keep.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXXXXXX XXXX dated XXXX 15 U.S. Code 1679cXXXX reporting unauthorized fraudulent inquiry from citybnk dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX XXXX dated XXXX 15 U.S. Code 1679c XXXX reporting unauthorized fraudulent inquiry from XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This account was closed last year by the bank thinking it was fraud. Then they re-opened it. However on my credit it still reports open. 

I have written to the bank and they have no fixed this. 

I have called and asked for this to be fixed and it still reflects this information. 

This is my care credit old card, it sits dormant in dispute mode and need to be marked CLOSED XXXX. 

I have tried endlessly to call the bank to get the credit report entry resolved. I am told they report it and it still shows and unknown status.
Product: Checking or savings account

For the longest, I have been getting overdraft fees reaching to {$500.00} at times due to overdraft fees which is {$20.00} per transaction at times totaling up to {$500.00}. Theres money in my account prior to the overdraft fees which I would always be confused about. Is there anyway I can get assistance in this matter? Its been happening for years now and Im XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 16 CFR 313.7 and 313.10 ( a ), XXXX XXXX XXXX XXXX is mandated to provide a clear and conspicuous opt-out notice to consumers, explaining their right to opt-out of the disclosure of non-public personal information to nonaffiliated third parties. 

The definition provided for " nonaffiliated third party '' is sourced from 16 CFR 313.3. According to this regulation, nonaffiliated third parties include persons who are employed jointly by a company and another entity that IS NOT an affiliate of the company. Based on the provided definition, Experian, XXXX, and XXXX are considered non-affiliated third parties in the context of consumer credit reporting. 

They ARE NOT affiliates of XXXX XXXX XXXX XXXX with whom I have a direct relationship. They are separate entities from XXXX XXXX XXXX XXXX that provides my financial information. They ARE NOT jointly employed by XXXX XXXX XXXX XXXX with whom I, the consumer, has a direct relationship. 

Therefore, when my financial information is shared with Experian, XXXX, or XXXX for the purpose of credit reporting, they are considered non-affiliated third parties under this definition. This is why I am opting out of such reporting. Additionally, this opt-out should explicitly encompass my transactions and experiences, refraining from reporting non-public personal information on my credit report. 

According to subsection ( e ), it is mandated that XXXX XXXX XXXX XXXX complies with my opt-out direction as soon as reasonably practicable upon receipt. Furthermore, subsection ( f ) emphasizes that a I retain the right to exercise the opt-out at any time. 

Crucially, subsection ( g ) specifies the duration and revocability of my opt-out direction. My opt-out direction will remain effective until I revoke it in writing or, if mutually agreed upon, electronically. 

Even after the termination of our relationship, as stated in subsection ( g ) ( 2 ), the opt-out direction continues to apply to nonpublic personal information collected during or related to our specific relationship. 

I bring these provisions to your attention to ensure that our communication aligns with the regulatory framework outlined in 16 CFR 313.7. 

The request the account in question to promptly reflect positive status, ensuring no balances indicating account utilization. These reported details contravene our opt-out request, which prohibits the reporting of my transactions and experiences. It is crucial the account portrays a positive status in alignment with my request. 

I emphasize that any opt-out clauses established by XXXX XXXX XXXX XXXX XXXX not supersede the provisions set forth by United States Code ( USC ) or Code of Federal Regulations ( CFR ). Regardless of XXXX XXXX XXXX XXXX internal policies, the rights granted by federal laws take precedence. 

This ensures that my rights as a consumer, as granted by federal regulations, are protected and upheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been seeking to have Equifax remove fraudulent inquires from by credit report for the last several months. I was repeatedly told by Equifax that I could not question these inquires and that I had to contact the issuers that made the inquire and have them report to Equifax that these inquires were made due to fraudulent activity. Despite the fact that I am not sure I did not have the right to question these inquires, the problem was that I had contacted the issuers multiple times, and each of them indicated that they had so reported to Equifax more than once. After months of effort, an Equifax representative finally told me that I could have these inquires investigated by Equifax if I faxed a written request with certain information and supporting document. I did this on XX/XX/2019. On XX/XX/2019, Equifax sent me a letter stating that they were unable to locate my credit file. This is a blatantly implausible statement. Equifax had sent me my credit report on XX/XX/2019, and it was identified by a specified Confirmation Number, which I was required to include in my letter. Thus, it is simply impossible to believe that Equifax could not find my credit file using its own Confirmation Number. This seems to me to be a continuation of Equifax ' unwillingness to take reasonable and appropriate action to investigate and correct, as appropriate, false items on one 's credit report and to throw up obstacles to doing so. Equifax claims that it need me to mail it evidence of my social security number along with official evidence of my address. It is incredible that Equifax would request anyone, let alone someone who already had their identity stole, to send such personal information throught the mail, especially when Equifax was already provided, at its insistence, with their own Confirmation Number for my credit file. No one should have to risk, needlessly, sending such information through the mail.
Product: Credit reporting

My mortgage was sold to XXXX. XXXX failed to pay the real estate taxes. Every transaction in the escrow account is incorrect. When they did pay the real estate taxes late, they paid them XXXX, putting the escrow account in a deficit. I notified them in XXXX I would take responsibility for the taxes and insurance. In XXXX I paid the real estate taxes and in XXXX I paid the home owners insurance. My escrow statement reflects that XXXX paid the taxes in XXXX, but XXXX County only received my payment. I provided XXXX a binder on the home owner 's insurance with proof of payment and they went ahead and made a payment, which has been returned to them. 

By diverting the funds, they owe me money, but they are reporting me delinquent to the credit reporting agencies. I have submitted copies of cancelled checks and the agencies tell me that is not enough documentation. They say they have to report what XXXX tells them. XXXX has mishandled my money which has dropped my FICO score from XXXX to XXXX. I have no other blemishes on my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I have been banking with TD Bank for over 15 years now and have generally had a very good experience with them. I received an email from TD bank in XXXX of XXXX stating that I was pre-approved for a TD " Fit Loan ''. So I filled out the required webpage info and a few days later I received notice that I'd been funded for XXXX. I viewed this loan as a line of credit type of loan where if I were to use it, I would be charged principal and interest in paying it off, but I had no intentions of using it. A few weeks later I got a notification that my first payment would be do and it was something ridiculous like XXXX a month to service a loan I'd not used one penny of. So once I figured out the scam that TD just assumed people would pay their usory fees to service this bogus loan I called them and said I want to get rid of this ( unused loan / line of credit ) and they then quoted me a payoff amount of something like XXXX. Again, the original loan was XXXX and I didn't use a penny of it it just sat in my account. So then I said to Avant ( the loan service organization that TD hired to sub these fit loans to ) that this was usory and borderline criminal but I just said let me pay this off and close this thing immediatelty. They then swept like XXXX out of my savings account to pay of the XXXX they originally gave me " against the loan '' and unbenownst to me, left a remaining balance that I didn't find out was remaining ( plus a new larcenous interest I fee ) that I was schedule to pay in XXXX increments for the next 8 amount of months as they conitnue to rack up the interest payments. THis evening, XX/XX/XXXX I called TD FIT Loan and asked for a payoff amount and they sent an email and I am sending in what I'm hoping is the final payoff of this loan tonight and I've reemphasized that I want them to close this account out 100 % so we shall see on that one. Regardless, I'm an investment banker and this just seems fraudulent and a misrepresentation at best and at worst missappropriation of TD Banks clients ' money. Please look into this for us consumers. These banks get away with murder.
Product: Student loan

On XX/XX/23, my XXXX request on XXXX was completed. Review of the application is listed as completed. 

The next step listed was Your loan servicer will reach out to you with additional details regarding your completed application. Contact them if you have any questions. 

I have not heard from my loan servicer and I am unable to reach my loan servicer. I have called at least 4 separate times, requesting a call-back twice.
Product: Credit reporting or other personal consumer reports

I did authorize any of these credit people to pull my credit report. My name is spelled incorrect also and the address used as not my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit reports and found that the credit reporting agencies are illegally reporting inaccurate and false information about me. The following alleged accounts are listed as a collection with a balance This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. 

According to the Fair Credit Reporting Act, I have the right to a fair and accurate credit report, and the credit reporting agencies are required to remove any information that is NOT TRUE, ACCURATE, AND VERIFIABLE. 
Please remove this inaccurate account information IMMEDIATELY from my credit report and send the updated report showing your compliance with all FCRA laws and METRO 2 Reporting Standards as well as these accounts removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Last XXXX On ( XX/XX/XXXX ) I discovered ( XXXX {$8100.00} XXXX ) had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item according to FCRA section 611 ( a ) ( b ). I did not receive any such notification. 

Transunion removed account according to do XXXX and Transunion.com Dispute file number:XXXX XXXX XXXX Creditor has agreed to remove account XXXX {$8100.00} XXXX This account is a fraudulent account and continues to be reported.. I filed a affidavit with the FTC on XX/XX/2021. 
My FTC report number is as follows ( FTC Report Number : XXXX ) XXXX XXXX {$5100.00} Account number XXXX XXXX {$8100.00} XXXX Also my information was breached due to the XXXX security breach which I have also filed a claim ( XXXX ) This letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy under section 623 and section 611 I demand to know the methods that were used to verify this fraudulent account in writing. ( date account was established, balance owed, a copy of my original signature agreeing to terms and conditions, etc I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

Please delete this item immediately.
Product: Credit reporting or other personal consumer reports

I took out a TD retail card for XXXXXXXX XXXX XXXXXXXX for {$4100.00} on XX/XX/XXXX. 

The account has the wrong mailing address and wrong last name. Furthermore, none of my 3 payments were processed. I was not informed of this by the company, instead I got a XXXX XXXX notice several months later in XXXX that my score decreased by XXXX points. I was also unaware that I had the following charges : - XX/XX/XXXXXXXX  I was charged {$29.00} late fee - XX/XX/XXXX I was charged {$40.00} late fee - XX/XX/XXXXXXXX  I was charged {$40.00} late fee Total : {$100.00} This is predatory and fraudulent because I did not receive any emails that the payments did not go through or that I had late fees. However, I received confirmation emails the 3 times I submitted payment that each payment was processed. Due to the credit company 's OWN error of having the wrong mailing address, I never received any paper notices that money was past due. I thought this whole time that I was in good standing, and not aware of the issues until AFTER the card services reported 2 missed payments. 

- XXXX, paid {$440.00} over the phone to bring my account to good standing so I could update my address. I was told they could reach out to the credit bureau to remove the false late payments. Customer service could not tell me why the payments were not processed, and blamed this on me. 
- XX/XX/XXXX, called to confirm the payment was processed, and was told my address was still incorrect, I owe more money, and that the company does not contact the credit bureaus. 

Prior to this I submitted payment : - XX/XX/XXXX {$1000.00}, email confirmed received XXXX, {$800.00}, email confirmed received XXXX, {$1000.00}, email confirmed received Total : {$2800.00} I am requesting that all late fees be reimbursed, that the 2 late payments be permanently removed from my credit report, and that my credit score be adjusted to what it was prior to those 2 marks. 

I have never missed a payment in over 7 years, this is the first incident, and it is not even my fault. My highest score in XXXX was XXXX before all this. I appreciate your understanding and help to resolve this dispute and reinstate my correct credit score.
Product: Checking or savings account

On   XXXX   XXXX   XXXX   Bank of America widrew funds from my personal checking account without my permission for   XXXX   XXXX   card that is in default. The funds came from my family to support my  XXXX  kids and soon at was deposited Bank of America Stole everything besides leaving {$100.00}. They sent letter stating that they have the right under " setoff ''. I read the agreement and had friend attorney look at it and he informed me that is was illegal. Never gave them permission or authorization to take everything out of my personal checking account for   XXXX   XXXX   card account. Please find letter attached.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to report inaccurate information on my consumer report. My name is XXXX XXXX I do not have any other names or known by any other names. If you have any different name spellings delete them immediately. My address is XXXXXXXX XXXX XXXX XXXXXXXX GA XXXX there should be no other addresses listed on my report if there are delete them immediately as they are non mailable and do it belong to me. LexisNexis is reporting an alleged bankruptcy that does not belong to me. I have asked for the validation they used to confirm this bankruptcy is mine.
Product: Debt collection

Capital Recovery Systems at Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX has repeatedly tried to collect debt against me that is not mine. They have purchased parking tickets for a vehicle I have never owned. I have a similar name and live in the same town as the vehicle ( XXXX ). XX/XX/XXXX we cleared this up with them and they released us from this claim. Now they are sending letters to my parents home in XXXX that I have not lived in for 20 years. This is for the same debt that again is not ours. It is stressful on my spouse to have debt collections after us for debt that is not ours. Now they are interfering with the rest of my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my reports for accuracy and I see an account for XXXX XXXX. I paid this debt in full and it has been removed from XXXX and it is supposed to be removed from all XXXX credit bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$360.00} XX/XX/2019 I've sent XXXX rounds of letters and that the account still remains on my credit profile and have not been fully validated
Product: Debt collection

I have a collection account negatively affecting my XXXX Credit Report, this account was paid by my Insurance, and I have a copy of the claim paid to my Insurance I already talked to the original Creditor and they recognized that the account was paid in full, The Credit Bureau made an investigation and the Collection Company reported this account as Accurate I need to remove it, please help me, I have a proof that this claim was paid
Product: Debt collection

In XX/XX/2020 I began receiving calls from a " collection company '' that would not identify itself regarding a " past due '' amount owed to XXXX for my business domain name. I called XXXX to inquire and they confirmed all of my accounts were current and that they do not use collection agencies. 

In XXXX I continued receiving phone calls from this collector, and today received an invoice from them : Certegy Payment Solutions , LLC, XXXX XXXX XXXX, XXXX, FL XXXX I know this is a scam but still have concern they can report this false information to credit bureaus. I don't want that headache! 

I'm not sure what you can do, there must be hundreds of scammers like this one, but wanted to report it anyway. 

Thank you, XXXX XXXX