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

BB & T ( now Truist ) did not follow proper procedure or stated policy to protect my account. On XX/XX/XXXX, BB & T removed me, the only signature for the restaurant account, XXXX  XXXX , XXXX, and replaced it with XXXX XXXX, representing himself as the new owner. I was the only person allowed to sign on this account. Upon discovering I could not log into my XXXX  XXXX I went to the bank. I asked XXXX XXXX, manager, what happened. She said did they not call you, you better get a lawyer. I was not present, and I had not given written permission or spoken to anyone giving approval for this action. 
XXXX  XXXX, located at XXXX XXXX XXXX, XXXX, GA XXXX, operated from, XXXX, XXXX to XX/XX/XXXX, and was independently owned and managed by XXXX XXXX. 
Notes : Regarding BB & T and XXXX XXXX email to XXXX XXXX on XX/XX/XXXX. 
I did not ever call BB & T and tell them to remove my name from the XXXX  XXXX account and replace it with XXXX XXXX. I did call BB & T and asked them to unlink my personal account from the XXXX  XXXX business account. XXXX XXXX did go with me on a few occasions to BB & T when I was cashing a check to cover the weekly tip out for the staff. I did not ever request to meet with a manager to make changes to the XXXX  XXXX business account. I find the words Mr. XXXX used at the end of the second paragraph perplexing. Taken together, these facts gave BB & T a reasonable belief that XXXX Lively was authorized to act for XXXX  XXXX, XXXX Ms. XXXX knows what happened. We have not been given the name of the person who ultimately signed and is responsible for BB & T action. We must remember that Mr. XXXX is a conman. He filed a defamation suit against me, accusing me of saying just that, his complaint was struck by the court. 
Over a period of 6 months Mr. XXXX did everything possible to gain my trust. It is obvious he was successful. By mid-XXXX  I began to have misgivings about the sale. A change in his behavior and care for the restaurant were a problem for me. When he continued to stall on the lease for the space and ultimately took unexecuted documents to BB & T and changed the account signature, also removing my password to the Point of Sale and payroll account I withdrew my offer to sell.
Product: Checking or savings account

I downloaded an app called digit to help me manage my money and savings. Its a legit app, I even researched it before I downloaded it. I closed my checking account with my bank that I was using through digit. When you use the digit app it can automatically transfer money into a savings account through them. So when I closed my bank account I wanted to withdraw my money that Digit had automatically saved. Easy enough I had to verify my routing number and account number and they would send me a check. I did verify my account and the app kept refreshing me to the home page. I did this several times on different days and got the same results, so I decided to contact digit. What I found out was that they did not have a help hotline only an email address. Irritating, but I emailed them. My first email I sent was in XXXX on the XXXX, I received an automated email back saying that they would be in touch within 48 hours. I checked my email all week and nothing. I never received any phone calls either, so I emailed a second time on XX/XX/XXXX, again same automated message. And again no real response to my emails. So I emailed again for a third time on XX/XX/XXXX and the same thing happened. I have now emailed Digit again today on XX/XX/XXXX, I have emailed a total of four times over the course of two and a half weeks and each time they said they would be contacting me within 48 hours. Im very  frustrated and would just like my money back l. It shouldnt be this hard to contact support.
Product: Checking or savings account

I closed my checking account with PenFed Credit Union & moved approximately $ 17k from savings to another institution as I wasn't happy with the fees I was being charged to use supposed free ATMs not to mention other issues. Since then, it seems I've been having issues with deposits showing as available as there is nothing to indicate they aren't, but when a withdrawal comes through it doesn't clear and I'm subsequently charged these fees. Additionally, in the past if funds were not available they simply did not allow the withdrawal to go through. Not to mention, that if I'm transferring money from another credit union for a loan payment, lo and behold that money is immediately credited. The problem I have is that when I've transferred money and look to ensure it's available it shows that it is but when the IRS for example tried to deduct payment from that account it was allowed to go through then reversed. I was then charged an overdraft/insufficient funds fee. I've never seen a " reversal '' the entire time I had my savings account which was a couple years if not longer. More recently, I transferred money between credit unions and the same thing occurred. The money showed available but when I initiated a payment I was charged a massive fee which took the bulk of what I'd deposited. I'm more than aware of what my accounts look like when a deposit is on hold or available & as I said, I'd never had an issue until I moved my savings and closed my checking. I'd contacted their leadership ( XX/XX/21 ) regarding the incident with the IRS because I was required to a fee of {$220.00} or so to reinstate my payment plan. It would have cost me a fraction of that if the IRS could deduct my payments directly but I couldn't trust that PenFed would allow the payments to go through. So I'm tasked with extra burden of mailing these payments or incurring extra fees to pay online. PenFed claimed after months of no response that they'd been unable to reach me although my contact info was current and updated. I should also mention that " coincidentally '' I'm having some difficulty receiving the title or having the title of the vehicle I'd financed with Penfed sent to the new lienholder. Lastly, I'm in the process of paying off a small loan to close this account since I have already refinanced my car loan with another credit union. However, I wanted to make my dissatisfaction taken seriously which is why I am filing this complaint with the CFPB.
Product: Credit card or prepaid card

On XX/XX/2020, I made a purchase at Lowe 's for {$4500.00}. I used my Lowe 's store credit card so that I could take advantage of the 24 month no interest financing that was being offered. 

On XX/XX/2020, I logged onto my Lowe 's credit card ( Synchrony Bank ) website to manage my auto-pay settings and setup monthly payments for my purchase. My account was previously set to auto-pay the statement balance. I cancelled that option and setup a recurring payment of {$190.00} on the XXXX of each month ( my balance due date ). 

On XX/XX/XXXX, Lowe 's credit card ( Synchrony Bank ) drafted my bank account the full {$4500.00} instead of the {$190.00} that I had setup. 

On XX/XX/XXXX, I noticed the overdraft and called Lowe 's credit customer service. They confirmed that the auto-pay settings on my account were set correctly and apologized for the overdraft. I asked for them to refund the payment and was told that in order for them to refund me I needed to fax over my full bank statement to them showing the amount was processed and not pending. That didn't sound right to me, so I called back to speak to someone else and was told the same thing. I asked if I could send a redacted bank statement showing only the related Lowe 's purchase and was told that they would need the full unredacted bank statement. 

I did not authorize the draft of {$4500.00} and in order to get the money back, I feel that Lowe 's credit ( Synchrony Bank ) is asking for my private information that they don't need before processing the refund.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/year> Equifax Legal [ Address of Equifax Legal Department ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Legal, I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

Please review the inaccurate information being reported :
Product: Payday loan, title loan, or personal loan

The company has been giving me a hard time. They put micro deposits in my account and when I entered them to verify my bank I kept getting a error. Someone helped me out then I had to enter a card just in case I wanted a payday loan and they keep claiming it needs to be verified. They have taken {$10.00} out of my account. They still saying they need to verify my card information. I feel like its a scam or fraud.
Product: Checking or savings account

I have been making monthly payments to Wells Fargo for quite some time without any problems. All that changed back in XXXX when, while I was out of state, I received a call from Wells Fargo telling me that they have not received my XXXX payment. I was greatly confused due the fact that all my payments are always sent out the first of the month. Wells Fargo said that I could make a payment over the phone, which I did to keep everything current. When I returned to the states, I looked up my accounts and found the problem ; for some odd reason Wells Fargo wrote an account number across the top of my XXXX check, it was not my account number. I even enclosed a copy of my bill along with the check to ensure everything was processed correctly. I have a copy of said check if needed. That check was cashed at my bank but applied to someone else 's account. I believe they refer that action as UNATHORIZE ACCESS to my account. I explained to Wells Fargo what has happened, and they asked me to give them 10 days to investigate this complaint, over 10 days had past and no response from Wells Fargo. The next call I got was from a collection agency wanting money on Wells Fargo 's behalf. My credit score was close to perfect, but, thanks to Wells Fargo 's mix up, my credit dropped. I have reached out to WF many times and just got different reps telling me the same thing and nothing being done about their mistake. They spent my money on someone else 's account and keep sending me bills wanting more money. They stole money from my account and took no responsibility for their screw up. It is now clear why the XXXX XXXX XXXX gave Wells Fargo received an F rating. I can provide every paper work needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I need clarification as to why you are reporting certain information on my credit report. Please review the following XXXX XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Open balance {$3100.00} High credit is lower than balance, delete for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for Experian, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account that XXXX XXXX is reporting on my credit. This account is past is statue of limitations and company is still reporting it as a new collection. The account was closed in XXXX with no balance but a deactivation fee was applied without my knowledge. I have disputed it with XXXX since and it was removed off my report in XXXX. It seems XXXX has bought invalid debt and is illegally reporting this on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person with rights under 15 USC 1681, and I want to file a formal complaint against the consumer reporting agencies for violating my rights under the Fair Credit Reporting Act. Specifically, the following items on my credit report were reported without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These actions violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, as well as the following sections of the Fair Credit Reporting Act : 15 U.S.C 1681 section 602 A : right to privacy 15 U.S.C 1681 Section 604 A Section 2 : consumer reporting agencies can not furnish an account without written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section : no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) : no person shall 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. 
Additionally, I did not authorize the following companies to access or pull my credit report, and these inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX I have contacted these companies and they have no proof that I authorized these inquiries or that they were made for a permissible purpose. Therefore, I request that these inquiries be removed immediately. 

Thank you for your prompt attention to this matter. 

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

Im addressing a huge concern about XXXX handling of disputes regarding the reports that I have seen about CFPB law suiting issues with that platform. Despite using XXXX numerous times and reporting discrepancies, XXXX has failed to investigate my claims adequately. They informed me that recovering any of my lost funds were impossible and tracking any of those transactions wasnt worthy to them. The CFPB reports that were made states that XXXX has failed to protect consumers and has allowed repeated offenders to exploit the system, leaving users accounts open to fraud and scams.
Product: Student loan

I provided documentation and asked that my loan balance be reviewed. I was told someone would get back to me in 14-21 days. On the XXXX day I received and email telling me that they were sorry but due to overwhelming requests they didn't know when they could get back to me. I attempted to call today. The hold time s. After 1 aid it would be 30 minutes! After 1 hour and thirty minute i gave up and wrote a letter an uploaded it along with back up documentation on Nelnet 's portal
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

i disputed these addresses they are unmailable means mail did not reach its intended distination due to the address being incorrect, incomplete or illegible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX is reporting to the credit bureaus false information concerning said credit card. XXXX XXXX closed my account and every payment made afterward was said to have been put forth for maintenance of the account. This was the reason for the balance never changing. 
XXXX XXXX Last reported XX/XX/XXXX {$530.00} Reported balance Credit limit {$400.00} You're using 133 % of your account 's limit OVERVIEW Credit limit {$400.00} Minimum monthly payment -- OpenedXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) RemarksProfit and loss write-off Account information disputed by consumer Account closed by credit grantor Account information disputed by consumer
Product: Credit reporting or other personal consumer reports

i recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all informatin with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates ( XX/XX/year>, and XX/XX/year> ). now i'm requesting you to investingate this account and update these payments to paid on time immediately. THANK you for understanding and prompt actions. Also the account has been closed to. i just want them to update that it was on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I would like to address my concern also my concern also addressed to the CEO XXXX XXXX. Over 1 month ago Target red card sent me a letter on XX/XX/18 saying my account is closed which is so mind bothering I did nothing wrong I submitted my payment now they closed my account and this going to affect my credit score and become a very badly. I even made means right, I returned the items I bought to get back to my balance even made a payment at the store the other day please open my account back OR Make means right either offer an arrangement or settlement. Target red card has truly impacted credit and lied serval times they so call state As a result, your account was closed per the terms of your credit card agreement due to multiple returned payments. When I only authorized one payment why would I make 2 payments in a month .... please help me to understand how fraudulent your system works and send out a arrangement saying multiple payments returned accounts can be closed.I requested this over 1 month ago and still nothing received expected for being lied too your Reps are not trained and they are no help they told me to upload my bank letter which I did and still never heard anything back its kind of sad this is the way a credit company treats their customers. I heard nothing but from them back on.. I SPOKE TO XXXX  AND STILL NOTHING RETURNED. TARGET HAS ALOT OF EXPLAINING AND I WANT THE CEO TO CONTACT ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX These account is no obligation of mines and violates my consumer rights 15 usc 1692j, 15 usc 1692c ( b ), 15 usc 1692c-, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, 15 usc 1692b, 15 usc 1681b In order to finish my report you have to have my written consent, 15 usc 1691. Experian and XXXX have prolonged remove Fraudulent information in retaliation of multiple Disputes i put in for violating my consumer rights. Both Experian and XXXX refuses to comply by phone and have hung up on me multiple times. A XXXX representative told me she had my file mixed with someone else and still havent removed these accounts.
Product: Credit card or prepaid card

Have called Sychrony Bank several times regarding my account was issued a bank card in XX/XX/XXXX that I applied for was issued the card was not able to use the card because I was told I had to prove my identity 4 days after applying for the account it was reported on my XXXX   then XXXX  and XXXX credit report so I mailed out ID and prof of address by priority mail. I keep calling to ask have they received mail and I get no answer XXXX from the fraud department says the process can take up to 30 days to be resolved so my question is why report this to my credit report if I can not use the card or if you did not think I was the person that applied for cards. As big as this bank is i think there should be a safer way to identify a person which they sent a text message to my phone number on my credit report I also have locks and pay for credit monitoring on all 3 of my reports but that was good enough so they asked me to MAIL my identify to them which i think is unsafe and puts me at risk for identity theft. Who sent it ... 
XXXX XXXX ( Sender 's street address omitted intentionally from this email ) XXXX, GA XXXX Who will receive it ... 
SYNCHRONY BANK XXXX XXXX ( Recipient XXXX XXXX address omitted intentionally from this email ) XXXX, OH XXXX US Sat XX/XX/2019 XXXX XXXX Who is carrying it ... 
The XXXX XXXX # XXXX XXXX Carrier detail ... 
USPS Priority Mail Tracking details ... 
Tracking No. : XXXX Shipment ID : XXXX Order / Item # : -- Reference # : -- Ship date Wednesday, XX/XX/2019 Delivery date ... 
Sat XX/XX/2019 XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX I had two charges show on my Citi Card. One in the amount of XXXX. One for XXXX. The charges were XXXX XXXX charges based out of Texas. I do not live in Texas, I have never been to Texas, I do not know anyone in Texas. I still had possession of the card. I also have two finance charges related to the fraudulent charges, on XX/XX/XXXX, XXXX for XXXX and the second for XXXX. Citi caught additional charges and shut the card off noting fraud on the initial day of the XXXX  transfers. I called and disputed the charges and they sent me a new card. They never contacted me regarding the dispute so I called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to inquire about the fraudulent charges because they did not issue a conditional credit and the interest charges were running. I received a letter in the mail on XX/XX/XXXX regarding my dispute being closed due to lack of necessary information stating that I did not provide information they needed. Thats patently false and with having called 7 times previously it is absolutely absurd to think I was not available to provide necessary information. Now when I call the call center they basically tell me the dispute is re-opened but there is no record of it on my account, nor can anyone see the re-opened dispute when I call them.