23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was the victim of a scam/fraud on my bank account XX/XX/XXXX. I notified the bank as soon as I was aware of it and before they notified me. Instead of treating me as the victim I was I have been treated as the perpetrator. They froze my bank account even though I let them know that my only source of income was coming in which was my Social Security check. They let me know that they would be taking out the complete amount of what they said needed to be returned to the bank from the fraud which would leave me only {$450.00} to live on for five weeks until my next check. I was also told that since my account was frozen NO money could be taken out even by me. 
When I requested that my account be closed and my balance sent to me I was told that the balance was only {$100.00} because the teller that was handling the case authorized XXXX bills that came in after the account was frozen. How can an account that is FROZEN be used at the tellers ' choosing without notification to the account holder? 
I have had many lies told to me such as that the Area Manager of the XXXX XXXX was going to go to the branch personally and close the account and have the check sent to me by XXXX since I have NO money to live on. No check arrived. I called the branch again and the same teller said that when she went into close the account and send me the check she found that the account had been closed supposedly by Corporate Security and a check sent. However, despite me changing my address the check was sent to my old address which will have to be sent to my forwarding address then to me. I was accused of telling Corporate Security to close the account, by this same teller which I denied. I have been treated very bad verbally by this teller, had phone calls not returned by her boss at the branch, calls not returned by the Corporate office person I 've been working with and a lot of promises made and told a lot of lies. I still have no money. My money is being kept away from me and no one seems to be able to give me any answers about the fraud case or how to get my money back. This bank has even said they have very little experience with this type of thing so was n't sure what had to be done. It 's called Policy and Procedures. Needless to say I will never use this bank again. 
Due to this bank not giving me my money I have had to contact Social Security and stop Direct Deposit of my checks because I ca n't open an account since I do n't have enough money to do that to get Direct Deposit of my checks.
Product: Credit reporting or other personal consumer reports

Identity theft and improper use of my credit and information.I have no knowledge of none of these hard inquiries, it wasnt done by me and I never gave any consent to use my credit information From these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am bank with chime I have submitted a dispute claim XXXX support correct documentation they asked me to XX/XX/2022 the next day it was denied I also did a rebuttal on XX/XX/2022 with more supporting evidence and on XX/XX/2022 it was denied again then I did another rebuttal XX/XX/2022 with even more supporting evidence that the transactions where unauthorized and told I receive email its denied
Product: Debt collection

This company never sent me my right to dispute and never sent me a single written communication until after I filed a complaint against them. Even after they sent that letter supposedly verifing a debt that I do not believe I owe, still no right to dispute, and they committed libel against my person by putting a collection mark on my credit without even talking to me. The law states that they must send me written communication 5 days after initial communication, I guess they figure that they could try and get around the law by never trying to contact me. Now they claim they did try to send me a letter before the one I got, so I sent them a certified letter with return receipt telling them that unless they can provide me proof of this, they will remove their info from my credit report or I will take legal action. The usps confirms this letter reached them on XXXX XXXX XXXX   2017, it was signed for but since they refused to date the return receipt, I can only assume this was read on the same day. The 30 day mark has been reached and since they no longer have enough time to remove the info from my credit, either provide me proof that a letter was received by me or I turn everything over to my lawyer who will be in contact about your violation under the FDCPA. If this complaint is not responded to, I will let my lawyer know this also. I have exhausted every attempt to try and solve this issue in a fair manner and both XXXX and XXXX have refused to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my XXXX XXXX. Please see the following items below : XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my XXXX XXXX. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and FTC reports for fraudulent accounts on my credit. These accounts have not been removed. 

XXXX  - XXXX {$530.00} XXXX XXXX  XXXX {$10000.00} XXXX XXXX XXXX XXXX {$2300.00} XXXX XXXX {$340.00} XXXX XXXX  XXXX {$10000.00} Experian - XXXX XXXX {$2300.00} XXXX {$530.00}
Product: Student loan

I have been attempting to contact XXXX regarding my federal student loans and my participation in the Public Student Loan Forgiveness Program. I made a call to XXXX on XX/XX/2019 at XXXX XXXX  and was on hold for over 40 minutes, waiting to speak to a customer service agent. At no point in this 40 minutes was I able to speak with a live representative. The automessage suggests to " call back at a later time, '' but I have also experienced excessive wait times later in the day. 

Excessive wait time to speak with a XXXX agent is effectively preventing me from being able to manage my federal student loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated XXXX XXXX XXXX XXXX XXXX Secured Loan Individual XX/XX/XXXX Paid, Closed. XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms - - - - {$720.00} - 24 Months TRANSWORLD SYSTEM INC/XXXX Account Name Account Number Account Type Responsibility Date Opened Status Status Updated TRANSWORLD SYSTEM INC/XXXX XXXX Collection Individual XX/XX/XXXX Collection account. {$1800.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX Balance Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until {$1800.00} XX/XX/XXXX - - {$1800.00} - 1 Months XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, it's essential to eliminate any erroneous entries from my credit report. Would you mind verifying the documents? Certain accounts listed seem to be misrepresented in the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX  DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Debt collection

I have been living at XXXX XXXX XXXX for over a year. My contract ended XX/XX/2022. My final payment amount was {$1700.00}, which payment was made on XX/XX/2022 and was reflected in the bank account on XX/XX/2022. In addition to this payment, I lost one of the keys to access the pool for which the company charges {$75.00}, which was paid in full. All documents attached show that I did not owe this company XXXX XXXX XXXX anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX | sent a request to SEQUIUM ASSET SOLUTIONS to validate the account that was was opened on XXXX XXXX, XXXX with a balance of {$180.00}. To this day SEQUIUM ASSET SOLUTIONS has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after review it there were 3 accounts reporting on my credit files that I had no Knowledge of. The first account is XXXX XXXX XXXX. The second accounts is TD Auto Finance. And the third account is XXXX XXXX XXXX I did not authorize them to open these accounts. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRAI 'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I conducted a transfer from an account to which I was added as an authorized user ( unbeknownst to me ). I advised Penfed after I looked deeper into the matter. I was then questioned as to where the funds came from and was advised that my accounts would be closed. I was not provided with details after an investigation was concluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccuracies on XXXX, XXXX, and Experian for years but the investigations come back accurate or incomplete. The reports show I have an auto repossession which is NOT accurate. I have asked for this to be removed numerous times. I have not received any response to ANY of my letters, I have sent the letters twice.
Product: Bank account or service

i order a XXXX on line which the site said ebay and that i can pay with my pay pal account and that my order is protect. on XXXX/XXXX/2015 i get an email from XXXX saying my package was delivered as XXXX so i get home around XXXX and i see no package so i called XXXX and they said the package was passed off to United State Post Office and that they received an email from the post office that the package was delivered. So i called the post office and they tell me the package was left on the front pouch and i told them there was no package left i told them i went back to my camera that i have outside of my house and it do not show anyone coming in my from gate at the time they said the package was delivered so they open an investagation and gave me a claim number and said some will call me within XXXX hours. witch they did n't it was more like 5 days when i received a call back and the rep. just told me the same thing i had on my compliant form that the package was delivered on XXXX/XXXX/2015 at XXXX i told him this is the same information i put on my compliant tell me something else. I asked the rep. if he spoke with the person that said they delivered the package and he said no i said why not he said they might not remember i told him that 's not an answer he said he would checked with the person and get back with me. a few days went by and i call the post office back and they told me my case was closed i said the rep. i talk to was going to check and get back to me. so i open another case with the same complaint and they told me the same thing. no one did anything about this and i want to know why. right now im out XXXX and my son son do n't have his XXXX.
Product: Credit reporting or other personal consumer reports

They have listed XXXX inaccurate names XXXX ) XXXX XXXX ( Last name Completely Misspelled ) XXXX ) XXXX XXXX Incorrect last name! 

The only accurate name is XXXX XXXX! Refer to my driver license which is displaying the proper name which is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my lease account with Ford Credit. In XX/XX/year>, I leased a vehicle that began experiencing mechanical issues due to a manufacturer defect. By XX/XX/year>, the defect had worsened to the point that I could no longer use the vehicle properly. As a result, I returned the car and submitted a written cancellation letter explaining that the defect had rendered the lease void. 



Despite this, Ford Credit has continued to keep my account open, sent the vehicle to auction, and reported the lease as active on my credit report. This is unfair and has caused financial harm by negatively impacting my credit standing. I made every effort to resolve this matter properly by returning the vehicle and providing formal notice, yet Ford Credit has not corrected the issue. 



I am requesting the following : XXXX. Immediate correction of my account status to reflect the lease termination. 

XXXX. Removal of any negative reporting related to this account from all credit bureaus. 

XXXX. Confirmation in writing that my account has been properly closed with no remaining balance. 

XXXX. Compensation for any financial harm or inconvenience caused by this situation. 



Please address this matter as soon as possible. If I do not receive a resolution within [ reasonable timeframe, e.g., XXXX days ], I may need to escalate my complaint to the appropriate consumer protection agencies. 



I appreciate your prompt attention to this matter and look forward to your response. You can reach me at [ your phone number ] or [ your email ] if you need any further information.
Product: Credit card

I am dissatisfied with a resolution provided on a previous complaint XXXX. 

Although immediate issue of disputed transaction was resolved, but mainly due to me hiring an attorney that was able to get XXXX to credit back transaction. 

However, transaction over the total card limit was allowed without any fraud detection or any attempt to contact me. Not only that but resolution was going through a different process then what normally happens even from Wells Fargo dispute department personnel. Bottom line company didn't do anything to even question a massive unauthorized charge until after the fact and 45 days into it when resolution was reached without banks involvement.
Product: Student loan

I receive upwards of AT LEAST 10-15 phone calls/voicemails every single day from Sallie Mae, in regards to my student loan bills. Due to the high volume of my medical bills that I am juggling as well, occasionally my payments to Sallie Mae are a TAD late ( tad as in a couple days to a week ), but they are always paid. I am tired of the round-the-clock harassment that I receive from Sallie Mae. My health concerns/disability are my top priority, which unfortunately is not necessarily affordable in America, and the last thing I need is constant XXXX phone calls reminding me to pay what I already am well aware of. Even if I DIDNT have a debilitating disability, the amount of times that good ol Miss Sallie Mae calls would STILL be deemed unacceptable, excessive, and extremely unnecessary. My own grandmother cant even leave me loving voicemails sometimes because XXXX keeps blowing up my voicemail box, and its extremely tedious to repetitively delete all of XXXX hundreds upon hundreds of voicemails that shes left for me. I have wasted MINUTES, I repeat MINUTES, of my life deleting voicemails from Sallie Mae. Wasted seconds I could maybe deal with, but minutes? That just crosses the line. I feel as if I am being stalked and violated by a crazy ex gf that I never had, and quite frankly, I am sick of it. XXXX XXXX. RANT OVER, and thank you for coming to my XXXX Talk.
Product: Credit reporting or other personal consumer reports

CFPB, XX/XX/2023 To whom it may concern, On XX/XX/XXXX, I went on the XXXX XXXX website and noticed that my XXXX credit score had dropped XXXX points. Also, I've noticed that my Equifax scored dropped XXXX points. Therefore, I've contacted both XXXX and Equifax to no avail. They both told me that they were unable to disclose any information about my accounts with them. Both companies representative just gave me bureaucratic jargon. The only thing that was straightforward was the information posted on XXXX XXXX website which I have enclosed. 
XXXX website stated XXXX change : XXXX XXXX XXXX account balance decreased between XX/XX/2023 and XX/XX/2023 credit card balance decreased by {$170.00} from {$240.00} to {$70.00}. Note : Credit card limit is {$1300.00}. XXXX stated nice work you using less than XXXX presents. All payments made on time. 

Equifax XXXX changes were Balance increased, balance decreased, payments made on time and account information changed.

Balance increased : XXXX XXXX balance increased between XX/XX/2023 and XX/XX/XXXX by {$7.00} from {$9.00} to {$16.00}. Equifax stated great job you still using less than XXXX percent. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance decreased by {$170.00} from {$240.00} to {$70.00} Payments made on time Account information changed : I've spoken to representative in regards to this matter. Note : XXXX XXXX is the credit card issued by the XXXX XXXX XXXX ( XXXX ). Still, nevertheless, my scores should not drop XXXX XXXX points and XXXX Equifax points by bringing my utilization down from XXXX percent to under XXXX percent and making on time payments. I have {$2700.00} credit line with very low utilization ( less than XXXX percent ).
Product: Debt collection

Halsted Financial Services has contacted my number on three separate occasions without my explicit consent, and I have not engaged in any business dealings with this company. On XX/XX/year>, I formally requested that they cease and desist from further communication.