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

XXXX. XXXX XXXX XXXX : Phone PAYMENT XXXX on XX/XX/XXXX XXXX XXXX A XXXXXXXX XXXX  XXXX {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$220.00} credit card web payment XXXX XXXX XXXX : XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} mobile XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$850.00} mobile payment web XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WEB XXXX {$1200.00} XXXX. XXXX XXXX XXXX : XXXX payment XXXX web on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$960.00} XXXX. XXXX XXXX XXXX : XXXX payment XXXX web payment on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  : XXXX XXXX {$980.00} XXXX. XXXX XXXX XXXX : XXXX payment XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} online payment web XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX {$1300.00} mobile payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} I called the fraud hotline and went to Bank of America to formally file the complaint for the second time since XX/XX/XXXX with an OPEN ACTIVE FRAUD CASE started with {$30000.00} down to {$2200.00} as of XX/XX/XXXX due to CONTINUAL fraudulent activity. I am a senior citizen on retirement funds from Social Security only. I requested that they cover my bills Car Insurance, Gas, Lights and Spectrum due to them being on Automatic Deduction/ ( ACH ) this situation of invalid security and privacy status. Each one will be declined account status ONLY DEPOSITS while investigation is conducted. I have no other recourse, and it will be BOA 'S fault as my credit scores DROPS due to their neglect in security.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things in my credit report. To this day over about 2 months later, I have yet to receive a response. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives me a reason to immediately remove these items from my credit report. It's been about 2 months now so they should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress that was caused to me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit card

Last Month I attempted XXXX purchase a Wireless Rioter I went 2 XXXX XXXX & Ordered one I made a mistake when Paying for it which resulted in XXXX Pay placing the charge on my Discover Credit Card.On XX/XX/2015 I notified Discover Card about the charge & also XXXX XXXX which resulted in my not receiving the Rioter or the Refund.I had emailed discover Customer Service a # of times & have been getting the Run Around.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My HSBC credit card number was stolen and initiated the below purchases without my knowledge XX/XX/XXXX XX/XX/XXXX XXXX - XXXX XXXX NY {$61.00} XX/XX/XXXX XX/XX/XXXX XXXX  XXXX  XXXX CN {$27.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX MO {$1200.00} In that same date XXXX the HSBC security team found several other fraudulent charges as follows XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XX/XX/XXXX XXXX XXXX XXXX XXXX ND XX/XX/XXXX XXXX XXXX SP XXXX XXXX XXXX FL All of these transactions were blocked as a part of fraud prevention and we reported fraud from our side and and credit card was closed. And a new credit card was issued But the charge we disputed for the amount of XXXX on XX/XX/XXXX XXXX XXXX XXXX  XXXX MO is reinstated in the statement. Now there is a late fee and finance charge was accrued. Got a statement of Account number ending in XXXX New Balance {$1200.00} Minimum Payment Due {$76.00} Payment Due Date XX/XX/XXXX Neither me nor my spouse XXXX XXXX initiated this purchase and we never received any services from XXXX XXXX XXXX  XXXX XXXX MO for the amount of {$1200.00} And when I called the fraud investigation team, they are saying My spouse XXXX XXXX initiated the purchase, and the HSBC send us the bill of XXXX XXXX and surgical through email stating that the name is correct, verifying the bill from our side which states my spouse name is correct but the address is incorrect, our XXXX number is missing.There are hundreds of apartment units in this apartment complex If his name was used in the above transaction, He was a victim of identity theft dated XXXX and his police report is also enclosed. 
So I filed a new police report under my name for the above said transactions in my local police department. 
And more over the fraud investigation team told us to call this XXXX XXXX XXXX company and we called them they told us to send an email regarding this matter and the send email is also enclosed. And when we call them they are asking us which company are you calling from and the fact is that we dont have a company in the first place and we dont know who is this XXXX XXXX  XXXX company.Moreover it is oblivious that somebody initiated several purchases on the same date. 
We called the HSBC regarding this matter several times, chatted several times, send email but got rejected and even send a register letter to the HSBC billing department and there is no help from the HSBC credit card company.
Product: Payday loan, title loan, personal loan, or advance loan

Due date is the XXXX of month. loan on autopay. they pull funds 2-3 days BEFORE the due date when on automatic payments. excuse is oh its the weekend. XXXX due date is a MONDAY yet they still pulled the funds the XXXX. UDAAP issue
Product: Credit reporting

I received my credit report XX/XX/XXXX because I had finally become financial able to buy my first home. I saw that XXXX XXXX XXXX was on my credit report saying I owed them {$5200.00}. I disputed the account with XXXX XXXX XXXX and all three credit bureaus. Neither the company nor credit bureaus will send me the proof proving I owe the money even after disputing this account for a total of 3 months. I would like for both the company and the XXXX bureaus to send me proof, such as a customer agreement I signed or some kind of promissory note with my signature, ID, and social security card proving its my debt. I would like a detail response as to how the information is being verified, and I would like a detailed payment history, if not I would like for the company and all XXXX credit bureaus to remove the incorrect information from my report.
Product: Debt collection

Spring Oaks Capital reporting inaccurate information on an open account which is not under FCRA compliance.
Product: Credit card

I dont recall ever having a chase account for this amount. I have called them may times only to get the run around by them.
Product: Debt collection

I LIVE IN A ROOMING HOUSE, MY IDENTITY WAS STOLEN AND MULTIPLE APPLICATIONS AND INQUIRIES WE MADE FRAUDULENTLY UNDER MY NAME. MY ROOM WAS BROKEN INTO YEARS AGO AND ONCE AGAIN RECENTLY..I NOW HAVE PROTECTION SO THIS WILL NEVER HAPPEN IN THE FUTURE..

PLEASE NOTE THERE ARE ( 5 ) FIVE HARD INQUIRIES FROM THIS SAME COMPANY ON MY REPORT FRAUDULENTLY. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian suffered a data breach and the burden was put on me for proof and a police report. I receive an email due to filing a complaint with the cfpb which is still active, so instead of doing the right thing I am now being subjected to do their investigation for them
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have been asking XXXX XXXX and Citi Cardsto update their records and my credit report to not show credit card information in my report which dose not belong to me. I have contacted them on numerous occasions, filed complain with XXXX  credit reporting agency requesting them to update the information, however nothing has been done. Once again I am a victim of identity theft and I have never authorized XXXX XXXX and Citi Cards to open an account under my name.
Product: Debt collection

I sent a certified letter to Midland Credit requesting the purchase agreement/ sale data file with original creditor name & account number but instead I received on a sheet of paper the following : Original creditor : XXXX XXXX XXXX XXXX original account number XXXX with & current owner- Midland Credit Management , Inc with ref account MCM XXXX. It further states that even though the account is sold and owing, as the legal owner of this obligation if they don't hear from me or received payment by XX/XX/year>2025, they will take further collection activities/ efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent dispute letters to investigate inaccurate information I've found on my credit profile. It's now XXXX of XXXX and I've never received a response to my request, no investigation has begun and no response has been sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained a copy of my credit report. from all three reporting agencies.

I found multiple incorrect Accounts that did not belong to me and incorrect personal information.

Including this Account : XXXX XXXX XXXX {$140.00} Opened XX/XX/XXXX On XX/XX/XXXXI Directly Disputed this account via certified mail. These disputes were sent to the Furnisher of the data and each CRA.

On XX/XX/XXXX Equifax addressed other issues but did not Validate the above account.

Equifax failed to provide me with any of the information I requested.

On XX/XX/XXXX I sent a Second Direct Dispute to the Furnisher. Informing them that the account had not been validated and again requesting information On XX/XX/XXXX I finally received a response from the furnisher including a computer generated form with no proof of ownership, account balance, or any information validating ownership of the account.

On XX/XX/XXXX I reported the account as fraud to the Federal Trade Commission and mailed a fraud report to Equifax I also Faxed the complaint and spoke with equifax on the phone.

On XX/XX/XXXX Equifax acknowledged receipt of my complaint and without my authorization provided a personal fraud statement on my behalf, claiming it was mine, and opted me out of promotional offers, and provided my work cell phone number for all without my consent. they then sent letters to the other Credit Reporting Agancies instructing them to do likwise.

On XX/XX/XXXX Equifax validated the account as accurate, again without providing me ANY Validated, or Verifiable information.

On XX/XX/XXXX I sent one Final letter demanding compliance with the FCRA it has been nearly 6 Months and Neither Equifax of XXXX XXXX has made any attempt to provide validating information, and after receiving evidence that the account is fraud they continue to report it as mine. This has caused me financial damage and my next step will be a suit for violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I asked the credit bureauto perform a verification on the collections that are on my credit report. They have stated that all the accounts are accurate. While I performed a through research myself and find improperinaccuracies after they performed their research. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 Section 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions
Product: Credit card or prepaid card

Hello, On XX/XX/XXXX I received a letter that has the date of XX/XX/XXXX at the top from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR, XXXX This is the company that administrates my XXXX XXXX Credit card, issued by XXXX XXXX XXXX that I have had a perfect record with for approx. 6 years. I have spent thousands and thousands of dollars on this card/account. 

The letter says that due to inactivity my account/card has been closed ( 24 months of inactivity ) and the closure is effective immediately. I called the company and asked why can not this be turned back on? I want it back on and to use it. They said they would love to ( this is the 1st, 2nd, 3rd, and 4th person I spoke to in progression of supervision ) turn it back on but the system can not turn back on an account that has been closed. 

This has effected me via my credit score. It has lowered my overall available credit dollar wise. It has also closed my second longest aged credit account. This will also force me into a hard inquiry to replace the card as well. So in many ways this has impacted my credit score and it is not fair as a consumer. 

I asked why I received no notice that the account was to close? No call or mail stating this would happen. The reps said well you could have used it online and I asked who buys diamonds online? Seriously? But if I had known I would have bought a smaller purchase just to keep the account open. 

The main issue of why I couldn't use this card this year is Covid. I didn't use it last year as I had just paid off several purchases and the jewelry for my wife and family/friends was all still pretty new. So I skipped XXXX XXXX and etc. XXXX is different and I have been actively going to the local XXXX XXXX as well as many across several states ( I travel as an executive for my business employer ) and none of the stores are open. 

I feel that this is an unfair act and the company is exercising it's terms in an unfair method outside of good faith to me as their credit consumer. A simple phone call, email, or letter would have not only avoided this but also gotten them a sale/profit. Instead they have closed this account without warning and using an extremely poor excuse to not be able to fix it. Basically once its done it is done. Well their IT people could fix this is they wanted to. 

I was under the impression that it was not " legal '' or allowed to close a consumers credit account during this pandemic. Is this true? Can someone help me? All I am asking for is the account to be restored to it's previous state and I will use it immediately and regularly. 

( I recorded this call the same as they told me they were doing and have the file available if need be but it is too large to upload in this complaint. Over 10 MB. ) Thank you, XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXccount Number : XXXX
Product: Checking or savings account

I was just trying to transfer my money in my savings account with Citi back to the checking account I have with XXXX since they were giving me major headaches in terms of being able to even access MY VERY OWN MONEY. I started by trying to transfer {$10000.00} ( the max daily amount ) back, but I was met with the same old " transaction blocked '' and that I have to call their number at XXXX. This same process has been going on for weeks. I try to transfer money, I call to have the transfer go through, they put me on hold to transfer me to another department, the block gets lifted, I try to transfer it again because they say it should be all good, and back to the very start where my transfer gets blocked and I have to call again. I tried to get it resolved with the citi executive response unit originally at phone number XXXX where I was able to open up a case with them, but they told me to just follow instructions I got from a letter in the mail. Even after doing that, it just started me back on the cycle again. I need this money now more than ever now that my grandmother in the XXXX has died this past weekend, and I fear I will never be able to get MY money back in a timely manner to be able to help with my family there, not to mention being able to keep up with my own monthly payments as a young, newly XXXX, unemployed XXXX old that is not making a lot of money. I have had to put my life on hold because I can not use this money to invest into my education further. Nothing I do with citi 's phone numbers and teams leads to anything helpful, and I am absolutely sick of having to deal with them. I just want the {$25000.00} from my savings account with them out and back with XXXX.
Product: Checking or savings account

WELLSFARGO GAVE MY BUSINESS ACCOUNT AWAY TO A MAN WHO HAD NEVER BEEN ON MY ACCOUNT EVER!!! I HAVE HAD THIS ACCOUNT FOR ALMOST A YEAR AND I WARNED THEM THIS WOULD HAPPEN, THE DAY BEFORE IT HAPPENED! THEY NOTED THE ACCOUNT WITH THE XXXX NAME AND I ADDED A HARD FREEZE! THEY BYPASSED MY HARD FREEZE IN THE XXXX FL BRANCH AND GAVE THIS MAN MY ACCOUNT. MY BUSINESS HAS SUFFERED AND YET THE BANK THINKS THIS IS A JOKE! THEY NEED TO DO THEIR JOB AND LOOK AT THE FACT I OPENED THAT ACCOUNT WITH PERSONAL FUNDS TRANSFERRED FROM MY PERSONAL WELLSFARGO ACCOUNT! I HAD THAT ACCOUNT AND WAS PAYING THIS MAN CHECKS FROM THAT ACCOUNT. I SHOWED THE PROPER PAPERWORK TO ESTABLISH THAT ACCOUNT, AND THEY GAVE ALL MY FINANCIALS AND ALL TO SOMEONE ELSE!!! THEY REMOVED MY NAME FROM MY ACCOUNT. THEY ALLOWED FRAUD AND DID NOR HAD DONE ANYTHING ABOUT IT! WELLSFARGO FOLLOWED NO PROTOCOL OF THEIR OWN. ITS BEEN STATED ON MANY RECORDED PHONE CALLS WITH THEM THAT XXXX XXXX  DID NOT FOLLOW PROTOCOL AND ALLOWED THIS MAN TO TAKE MY ENTIRE ACCOUNT AND SHE BYPASSED THE FREEZE I HAD ON THE ACCOUNT! THIS WILL BE TAKEN CARE OF..
Product: Debt collection

TransUnion didnt do a thorough investigation on my disputes I put in
Product: Mortgage

On XX/XX/2019, I paid off my mortgage. My contract stated I do not pay any fees if I paid if off early, which I did. My Escrow account had a {$1000.00} balance. I was expecting this amount to be sent back to me. Instead I received an escrow refund of {$980.00}. 

I began calling in XX/XX/2019 on what the status is of my account. The call center first said they would take out {$25.00} to close the account, even though my contract states otherwise. 

When I received the refund check an additional {$24.00} was taken out. I contacted their call center and they said it was for closing my account.
Product: Checking or savings account

I went to TD Bank at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX on XX/XX/XXXX ( Sunday ) to establish a Rental Deposit A/C ( Landlord & Tenant A/C ). Tenant 's check in {$3300.00} was deposited same day and a deposit slip provided to me before I left ( copy of bank 's account opening form with all the details and my signature is attached for reference ) On XX/XX/XXXX, after I have evicted the tenant not paying rent for 6 months, I went to the same TD Bank to close the rental deposit account and want to withdraw the deposit to compensate my rental loss. I was told that the rental deposit account was closed in XX/XX/XXXX after no activities for 6 months since account opening and they were unable to retrieve any history of this account. I was asked to request for a statement of this account to be mailed to me and then talk to the Branch Manager with the statement. Nothing was received so I went to the bank again on XX/XX/XXXX and meet the Manager, she was also unable to find anything ans request me to wait for her call after she investigate the case with the Back Office, nothing happened, so I called the Manager on XX/XX/XXXX and XX/XX/XXXX to follow the case. The Manager said they are unable to do anything without the deposit slip which I was unable to locate in my files. I raised the question to the Manager that who authorized the closing of the account without my signature and are they able to locate any record of the deposit made on XX/XX/XXXX or XX/XX/XXXX and where the fund goes after the check was cleared. 
The Manager was unable to give me an answer and keep asking me for the deposit slip and/or the check copy which I can not find. 
As far as I know, this kind of Rental Deposit A/C can not be closed without my authorization, but no one in the bank can tell what happened. 
I am requesting the Bureau to help that what I can do in order to get back the fund of {$3300.00} deposited by me to the bank.