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

On Wednesday, XX/XX/XXXX I deposited a tax refund check of the amount of {$3600.00} that I received through the mail by the United States Department of Treasury ( IRS ) to my XXXX XXXX XXXX Account. 

On Thursday, XX/XX/XXXX, when I attempted to login to my account, I was unable to view my account via XXXX  XXXX and when I attempted to use my debit card it declined. I called the bank on Thursday and they said that my account was flagged because I deposited this check. I verified with them my identity, where the check came from, who it came from, and that I received it by mail. I also pointed out that it is a Tax refund check sent to me by the US Department of Treasury which all of that information is found on the image of the check. They said it will take XXXX for them to review my account. I decided to called them on Monday, passed the XXXX hours mark and I called the bank was informed that Citi has decided to close my account because I violated their term. I was only notified because I called. No email or text alert did I receive with this update. 

They said it will take XXXX to XXXX  days for the process to be complete. However they are withholding all of my funds including the money that I already had in the account ( about XXXX ) prior to depositing this check. I have no access to the account and am unable to pay any bills. 

I spoke to multiple people on the phone, sent to different department. They all repeated the same thing. All read from a script, no actual person from this country. They all sounded like they work in a call center outside the United States., In addition during my phone call, I asked if the check that I deposited has been cleared and they said no. However when I checked on the US Department of Treasury, using their Treasury Check Verification System ( TCVS ) it confirms that the check is legitimate and also that it has been cleared and deposited to my bank account. Status shown as paid, see attached. 

However withholding all my funds, even money that was already in my checking and savings account prior to me depositing this check is unethical with no real verification or proof that I committed fraud.
Product: Checking or savings account

I received an email Last night my account received a deposit the deposit was reflecting in my account yesterday but not in my balance. I check today and my deposit is gone and Im charged an overdraft fee the deposit would have satisfied my overdraft. I requested a fee waiver and was told no. I requested to speak to a manager they refused to transfer me. I asked for corporates number they said they didnt have one. I requested a call back from corporate they said no guarantee spoke XXXX in an escalation queue who was rude and unhelpful. She overtalked me and didnt listen. Ive been a member over 18 years Usaa is going down hill with customer service and issues. I login and there is a banner saying members are being charged twice for debit card purchases and they are working to resolve the issue. This is unprofessional and I will be removing my direct deposit and going back to XXXX XXXX!
Product: Debt collection

Company was attempting to collect a debt. Company has been calling all times of night about a debt that I do not owe. I have spoke with this company and they will not stop the harassing. They have took it to the extreme and called my employer, asked them how much I make, am I a good employee, how many hours do I work, and when do I get paid. This company has literally called my boss, and asked him he is screening my calls. This is unacceptable in my eyes. This is very unprofessional.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I deposited a check into my account they ask me to wait the appropriate amount of days which was ten days to make sure that my check dont bounce and I did that and it did not and now they refuse to unblock my account they closed it now with my funds still there at a postive XXXX I just want me money sent to me
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information and Request for Permanent Security Freeze and Permanent Opt-Out Dear Representatives, I am writing to address two separate but related matters : A formal dispute of inaccurate information on my consumer reports from XXXX XXXX XXXX XXXX XXXX, XXXX, CoreLogic, XXXX and XXXX. 
A request for a permanent security freeze and permanent opt-out on my consumer file.

Part 1 : Dispute of Inaccurate Information Upon reviewing my consumer reports, I identified several discrepancies that I believe to be incorrect and require immediate rectification under the Fair Credit Reporting Act ( FCRA ). Below are the issues identified : Disputed Account 1 Account Name : XXXX XXXX XXXX Account Number : XXXX Dispute Reason Code : 003 - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX XXXX 
Disputed Account 2 Account Name : XXXX XXXX Account Number : XXXX Dispute Reason Code : 003 - Inaccurate Information Explanation : I have never held an account with this number under the name XXXX XXXX 
I request a manual review of this information, as the inaccuracies require correction. I have attached copies of my reports with the incorrect information clearly marked. Please investigate and remove the inaccurate information from my reports, and notify me in writing of the results of your investigation. 

Under the FCRA, I am entitled to a thorough and transparent investigation of my dispute. If the investigation is not conducted properly, I will consider filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and may seek legal advice to ensure my rights are protected.
Product: Debt collection

Was contacted about a debt that I did not have with them. My information was sold to them and now they placed an open account on my credit report with my authorization.
Product: Debt collection

On XX/XX/2020 the main creditor was XXXX XXXX XXXX XXXX XXXX, La. for services that day. I had currently had XXXX at that time which before leaving I provided that information to bill them. XXXX and XXXX have my current mailing address and I never received any bill from them. I decided to check credit report and I noticed that I had 2 negative accounts with LAW OFFICES MBA ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX PH : XXXX. I made several attempts to reach out to them regarding matter. They will not answer/respond back when i left my info. I disputed with experian which I am assuming they were able to get in touch with them. They deleted one account but not the other. They stated I still owed them which is inaccurate information. 
Listed below is the info for the debt : date of service : XX/XX/2020 amount : {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable legal and lawful Proof ( an original Consumer Contract with my Signature with XXXX and XXXX inquiry on file of the account # XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, XXXX  and Equifax is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on my credit report. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. FTC Report attached, Delete XXXX inquiry and XXXX account immediately.
Product: Mortgage

XX/XX/XXXX, I pursued assistance from Wells Fargo mortgage through their loan modification program and home preservation program. I was experiencing financial hardship and pending a XXXX retirement from XXXX. I was instructed to not pay what I could on mortgage payments because it may jeopardize qualification for Wells Fargo mortgage home preservation program. I continually submitted requests for information from Wells Fargo mortgage for home preservation program without any acknowledgement of acceptance into the program from XXXX XXXX, XXXX up until my pleading letters XX/XX/XXXX to keep home. I also attempted to seek assistance from Department of Veterans Affairs due to pending XXXX XXXX rating from XXXX injuries sustained during XXXX XXXX. Neither Wells Fargo nor Department of Veterans Affairs assisted in advertised home preservation or assistance programs. I was never contacted nor did I sign for served foreclosure documents. I was living in home and had all intentions of keeping home, but desperately needed assistance and all programs were a false sense of hope. I was thanked by Wells Fargo for documentation 8 days prior to auction of my home XX/XX/XXXX. I was attempting acceptance into home preservation program from XX/XX/XXXX until the following XX/XX/XXXX. The timeline of foreclosure, false programs for home loan modification and preservation, fees on foreclosure, amount house was auctioned for, to whom ( Wells Fargo Bank ), the Dept. of Veterans Affairs lack of assistance and advertisement of false veteran homeowner 's assistance, and the fact I lost my VA home loan in foreclosure. The XXXX. of XXXX XXXX nor Wells Fargo have contacted me about foreclosure since my 3 day eviction notice XX/XX/XXXX. 
Wells Fargo misrepresented information relating to a loan modification and home preservation. The Department of Veterans Affairs also misrepresented home veteran homeowner 's assistance programs that did not exist. The Wells Fargo mortgage did not provide a written decision of denial, explanation of denial, or any alternative loan modification or preservation options. All departments involve in home loan and home loan assistance need further investigation for unsafe and unsound foreclosure practices in Wells Fargo mortgage and Department of Veterans Affairs.
Product: Debt collection

WFBNA CARD : XX/XX/year> : Balance : {$9300.00} I have contacted the original creditor myself and have been unable to get them to verify that this is indeed my debt. 
I have enclosed copies of my requests to the creditor, asking them to validate my debt, and the receipts showing that I sent these letters certified with signature request. I was provided no evidence of validation and/or my obligation to pay this debt to this creditor. 

15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumerwishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that thedebt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that thedebt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector orcreditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector orcreditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

I have never made these inquiries I want it to be deleted XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In according to the fair credit reporting act XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. XXXX XXXX via XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights .15U.S.C 1681section 602 A .states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 .It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

ate Assigned XXXX XXXX, 2017 XXXX XXXX, 2017 XXXX XXXX, 2017 Original Balance {$3800.00} {$3800.00} {$3800.00} Current Balance {$0.00} {$0.00} Responsibility Individual Individual Individual Status Payment after charge off/collection Account legally paid in full for less than the full balance Comments Account paid for less than full balance, Paid collection, Account previously in dispute - now resolved by data furnisher Dispute resolved reported by grantor Account Previously In Dispute - Now Resolved - Reported By Subscriber
Product: Checking or savings account

My account was compromised on XX/XX/XXXX $ XXXX was taken out from my account I called to file a claim and today I found out my claim was denied because of no information
Product: Credit card or prepaid card

Online I notified the Bank of America that there was a fraudulent charge on my card I didnt realize that I was also asking the Bank of America to close my account resulting in the loss of my earned points
Product: Credit reporting or other personal consumer reports

S

ubject : Immediate Demand for Deletion and Suppression of Fraudulent Information Due to Identity Theft To Whom It May Concern, I am writing to demand the immediate deletion and suppression of fraudulent information currently present in my credit file. As a victim of identity theft, I did not authorize or make the charges associated with the items listed in the enclosed report. This false information is damaging my credit report, and I require that it be corrected without delay. I reported the theft of my identity to the Federal Trade Commission ( FTC ) and have enclosed copies of the FTCs Identity Theft Affidavit as supporting evidence. Despite this, it has been over 30 days, and your agency is now in VIOLATION of federal law for failing to take the necessary action to correct my credit file. As per 15 U.S. Code 1681c2, a consumer reporting agency must block the reporting of any fraudulent information in the file of a consumer, identified as resulting from identity theft, no later than four days after receiving notice. This legal requirement has been ignored, and I demand that the fraudulent items be deleted and suppressed immediately. Your agency 's failure to comply with this statute and take swift corrective action is unacceptable. I expect full compliance with federal law and that my credit report be accurately updated within the next few days. If you continue to ignore this request, I will not hesitate to seek legal recourse to enforce my rights under the Fair Credit Reporting Act ( FCRA ). I anticipate a prompt response and resolution of this matter. Please confirm in writing once the requested deletions and suppressions have been completed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Equifax continue to report the same account multiple times on my consumer report. Which is causing me harm. This is inaccurate reporting. There are several inconsistencies listed from each reporting agency and I have repeatedly asked for the account to be deleted. This means XXXX, XXXX, and Equifax continues to willfully violate federal which states they MUST report accurate information and validate any information that is believed to be inaccurate. This information has not been properly verified as the information is not consistent with each reporting agency which makes it impossible to validate as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed Transunion about a collection account thats on my credit report that they wont delete from credit report
Product: Bank account or service

Untimely direct deposit. Received pay statement XXXX XXXX. XXXX was XXXX XXXX. Have called many times. No getting answers. Payroll deposit still has not posted. My job has sent a test payment and checked the numbers twice. Falling behind on bills, coming in Dept and other prproblems such as rent and XXXX. Would like to no what legal actions can I take n the state od Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person ; I am a living human being. I have rights under 15 USC 1681 that have been violated and are continuously being violated with no resolve by credit bureau, credit furnisher and CFPB. 

Transunion who is governed by 15 USC 1681 has violated my rights numerous times and my request for them to correct said issues has been ignored as well. I demand the 2 accounts listed below be removed immediately. 

In accordance with 15 USC 1681 I have the right to privacy and I DID NOT give Transunion written or verbal permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX reporting 5 late payments and closed simultaneously ) XXXX XXXX ( reporting late payments and never receiving payment ). This account was paid through Bankruptcy Court in 2015 ( rqst no delay in deletion )
Product: Debt collection

I demand a cease and desist of all illegal activity in pursuant of 15 USC 1692C ( c ) your corporation is in clear violation of the FDCPA as well as my rights as a consumer under the consumer protection act of 1962 they have not only use illegal communication tactics by illegally, furnishing my information without permissible purpose but also have used mediums of communication that are unlawful such as reporting of an alleged debt that they never properly validated or verified in pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

If the debt is not handled and removed from my report, I will have no other option but to file a claim, as stated in the consumer credit agreement any inaccuracy deceptive or unfair debt collection practices will be handled through arbitration I am giving your company the chance to fix this before taking those steps and measures but I will, if needed as its very clear in the agreement in which was not clearly nor conspicuously disclosed to me.
Product: Bank account or service

I have an Executive Global Banking Account at Citibank. 
In XXXX XXXX, trying to use internet banking, I note that my account was blocked without any notice. Since then, I have call the bank several times and they always tell me that my account manager will call me back, but she never calls. At XXXX XXXX I spoke with my account manager assistant, who told me that the bank was " evaluating '' my account and the will let me know the conclusion shortly. Since then, I have send several emails to my account manager and her assistant without any response, but every month the bank charges me the management fees to my savings even when I cant make any financial operation with my money. Literally, the are stealing my money.
Product: Debt or credit management

XX/XX/year> Consumer portfolio auto loan lender placed a charge off due to car being totaled from accident. I set up payment plan which unfortunately was not enough so now it's been charged off. 

Credit services for washer /dryer waa placed on my credit twice. 

XXXX placed charge on credit XX/XX/year>XXXX  for equipment not being brought back but it was turned in via XXXX  rep
Product: Credit card or prepaid card

I have a credit card with the company Capital One. Capital One gives customers the option called quick fund release to pay their bill and have the funds release within minutes the same day through XXXX   XXXX. One of the Senior Account representatives told me you can do a quick fund release once per day every day. I perform this payment of action on XX/XX/XXXX and my funds were released. I performed the same type of payment on XX/XX/XXXX. However, the representatives told me my payment would not be accepted and my funds would not be released because I perform this action yesterday and my payment has not been posted to my account. I do not understand why I wasnt able to do this when I have always done a quick fund release without my payments being posted to my account. Im trying to pay my bill and they arent letting me. I dont understand why.
Product: Mortgage

Loan was transfer to seven different loan servicing co. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They change loan to Home equitXXXX XXXX XXXX XXXX XXXX  ALL FILE BANKRUPTCY SELENE FINANCE IS NOW THEY ARE NOT CORPORATING TO SEND ORIGINAL PAPERS