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

Back in XXXX of 2021 I was awarded grant funds from SBA in the amount of XXXX. Citi without warning disabled my account and stopped me from accessing my funds even though I pleaded with them at the time that I was in another country and was trying to get home so my daughter could get medical attention. They did not care. Once I was able to get home after borrowing money from family I received a letter in the mail that stated I had 10 days to prove my XXXX was my own. Upon me calling to submit my documents they told me it was too late and the account was going to be closed. I got the run around for 3 months even though they told me the account would be closed 30 to 60 days it took 90 days to close. They told me the funds that were granted to me were returned to the SBA and I waited for months to receive reimbursement. Finally after calling so many times Citi admitted that they still had the money even after telling me they didnt for months. I was then told that in order to get my money I would need to go to my nearest branch and pick up funds. I pleaded with them and told them there were no branches in the state of GA and that my nearest active branch was in fact in Florida XXXX Florida. After constant calling I decided to finally go and see if I could pick up the remaining of my funds of {$10000.00} The banker XXXX told me it was not possible so a trip taken for nothing I wasted hundreds of dollars and Citi reps or the company still had no mercy they then proceeded to say changing their entire story that the SBA needed to have a subpoena sent for me to get my funds or they would keep my funds indefinitely. I attempted to have this done Turns out SBA could do nothing for me. As they have stated many time the money is supposed to be sent back to the treasury then to them once declined by the bank. No one could understand why Citi held on to my funds the way they were doing they never had any real answers as to why my accounts were closed but still had not sent my money even though the accounts are literally closed and they stated if I did not get subpoena they keep my funds indefinitely. This has been the worst experience of my life and I want justice I'm tired of calling speaking to their rude nonchalant representative who are just so nasty. I want justice I want my money and I want compensation that I spent months and months trying to make it without the money that was awarded to me! I need that money now and needed it then!
Product: Credit card or prepaid card

I was notified by Maryland Unemployment agency of benefits being deposited into account and have not received a card. There was no option to have funds deposited to any other account but a specified " Bank of America '' prepaid card. I do NOT do business with Bank of America and never received the card. 
They are now charging a fee at their convenience to send regular XXXX  of card which is totally bogus. It's seems they sent prepaid card purposely through snailmail and are trying to profit off of {$10.00} to " resend '' something that was purposely not mailed properly. Knowing that people are in need of their money and two weeks is enough to pay the fee to have it really sent.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the collection accounts reported by XXXX XXXX XXXX on my credit reports. I believe these accounts should be removed as they are not in compliance with the Fair Credit Reporting Act ( FCRA ), and my rights are being abused. 
XXXXXXXX XXXX  XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1400.00}.
Product: Checking or savings account

B of A EDD dept *XX/XX/2021 EDD deposited 2x payments of {$910.00} which gave me an available balance of {$1800.00}. No pending charges. 

I went immediately to store and made a purchase of {$9.00}. After purchase, per BofA EDD online account ( the BofA Prepaid mobile app ) Available Balance After Transaction : {$1700.00} Card Number : XXXX XXXX XXXX XXXX Should be {$1800.00}, not {$1700.00}. 

*Same day, immediately after, I made another purchase across street of {$10.00} After purchase, per BofA EDD online account ( the BofA Prepaid mobile app ), Available Balance After Transaction : {$1500.00} Card Number : XXXX XXXX XXXX XXXX Should be {$1800.00} not {$1500.00} ... 

I called twice today XX/XX/2021, and even transferred to management which claimed there records show the correct amount after both purchases which totalled {$1800.00}, but my billing statements state otherwise. 

I was offered no reason why this could happen, and told to fax or email statement to the same department that the website is working from. 

Im requesting a full account review to credit my funding which has been taken with no record or reason from B of A edd dept
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have never been in legal contract with Credit Collection Services. I have requested verification of debt and have not received a response. I have also requested a copy of a contract showing my wet ink signature. I have demanded they remove themselves from my personal credit report with all 3 credit bureaus IMMEDIATELY. I have also requested all documents and verification to be sent to the address listed below with no success. I do not owe any debt to Credit Collection Services. I do not know who this company is nor have I ever heard of them. 

Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

XX/XX/scrub>XXXX  ; I processed a one-time payment of XXXX It did NOT process within the before/by XXXX XXXX XXXXXXXX time as stated so I cancelled the payment and on XXXX before XXXX XXXX after Midnight the payment processed by deducting {$4.00} from my XXXX prepaid checking account anyway even though it is not due to it not being due until XXXX XXXX XXXX and is the minimum payment amount due is/will be {$45.00} a month until repaying the {$750.00} credit card loan balance. My issue now is that the credit card site reads- {$4.00} adjustment though it's not increased to decrease my actual overall almost {$750.00} balance due on the credit card.
Product: Debt collection

On XX/XX/XXXX, I received a text message from National Recovery Agency saying I owe a debt. I do not. I called the the company that I supposedly owe the money. They checked the account number given by NRA, checked by my name, ssn, and they dont have any accounts in my name, by an account number ; in fact they dont even use that type of accounting number. 
I always use a third party payment system to purchase items, and dont pay the company directly. 
The NRA texted me again on XX/XX/XXXX. 
I dont owe the company any money, dont have any account with the company, and dispute this debt. I did not call NRA directly as I believe it to be a scam of some sort. Ive never heard of an debt collection agency texting, however, Ive never had to deal with debt collection.
Product: Checking or savings account

Hello, i was charged an overdraft fee of {$35.00} for a transaction of {$11.00}. I spoke with a customer service representative and a manager over the phone. They said you already had 2 fees waived since i opened the account, that is probably 4 months or so. But as i told them chase never charged fees if the transactions were under a certain amount. The manager denied and said the fee will stay. Im a middle class person, living by paycheck to paycheck. I cant afford to pay {$35.00} for {$11.00}. Please assist.
Product: Debt collection

I got a text message saying I had a debt of XXXX dollars from the XXXX  XXXX I called the XXXX XXXX customer service and I was told my account was in good standing. They texted me a link to pay a balance some how some way they had my account number for my XXXX XXXX account number. I didnt not pay any amount since I was told by XXXX XXXX customer service that the debt collection amount is a scam
Product: Credit reporting

TransUnion Credit Reporting Agency showed XXXX ( XXXX ) Collection against me in XXXX 2015. I disputed them with a CFPB complaint, XXXX! The original Creditor, XXXX XXXX XXXX and the Debt Collector, XXXX XXXX XXXX XXXX responded and sent letters. I was told that there was an error in the reporting. I was told that the original creditor ( XXXX XXXX XXXX, XXXX XXXX ) instructed the Debt Collector to remove my name from the account ( s ). The Debt Collector ( XXXX XXXX ) told me that TransUnion would remove the Collections from my Credit Record in 30 Days. I waited 45 days and checked. It was still there. I filed a complaint with TransUnion and they never responded. So I am back again to you, CFPB! Please help me to resolve this issue as it is affecting my ability to refinance my home!
Product: Checking or savings account

BB & T was offering a promotion for new customer ( I am a new customer ) for a {$300.00} bonus if an account was opened using a code and by midnight XX/XX/2019. I opened the account with the code before midnight. On XX/XX/2019 my opening deposit of {$50.00} dollars was credited to new account. The terms said 2 ACH deposits of {$100.00} dollars needed to be completed with 75 days of account opening or another action. I had multiple ACH deposits of {$100.00} within the 75 days. one on XX/XX/XXXX and one XX/XX/XXXX and thus completed all the terms of the bonus. 
1 ) New customer 2 ) Opening a bright checking account by XX/XX/2019 with code 3 ) Two ACH deposits of at least XXXX with $ 75 days. 

After several weeks I began calling BB & T, I got many lines. It takes 3 months, it takes 90 days for account review plus 4 weeks. Then I started emailing them about where was my bonus. First it was 90 days plus 4 weeks, when that passed it was only for people who got it by mail, and I could not remember if I got it by mail, with my high credit score I get lots of offers, then it was you opened it on XX/XX/XXXX and it was too late. I sent the email screen shot of NEW ACCOUNT OPENING, dated XX/XX/XXXX. Banker told me this now needed a corporate review. 

They are lying to me over and over and have no intention of honoring the bonus after I played by their rules.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with XXXX XXXX XXXX in XXXX of XXXX in the amount of XXXX for 3 years - 36 payments. This loan was ALWAYS paid on time, every month, with never a single late payment. 
The last payment was sent in XX/XX/XXXX in the amount of {$1200.00} for the remaining balance on the loan per their payoff schedule. 
Three months later I get a notification that my credit report has a derogatory mark from this company for {$100.00}. 
I have never received any notification, bill, or statement from them for this amount. 
Since I was notified of this charge I have tried to access my account online through multiple avenues but appear to be blocked from access to any of my data after the loan was paid off. It can not find my account information, it's as if the loan does not exist even though I was previously able to access it. 
I have emailed and called over a three week period asking for an explanation. Emails were never responded to. On the phone calls, I was told a manager would look into it and call me back, which has never happened. 
Now I have this derogatory mark on my credit report causing problems for me, with nobody at this company able to explain this charge or provide any information whatsoever.
Product: Credit reporting or other personal consumer reports

I was so surprised when I checked my credit report and it has these inquiries that I don't remember ever approving or permitting to be reported on my file. I do not recognize these and they don't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported several items at several times to all 3 credit bureau 's but all accept Equifax has taken the actions to investigate and correct the reported fraudulent accounts. The following are the account names and amounts : XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX : {$660.00}, {$150.00}, {$2800.00}, {$3100.00}, {$3900.00}, {$6200.00}, {$1400.00} XXXX : {$1300.00}, {$1100.00},
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED

Account name : XXXX XXXX
Account number : XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear CAPITAL ONE, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri state identity theft and credit reporting laws, specifically Section 570.223 of the Missouri Revised Statutes. 

It has unequivocally come to my attention that CAPITAL ONE has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consumers consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouris identity theft statutes, particularly Section 570.223, criminalize the unauthorized use of personal identifying information, including the illegal access, use, or dissemination of personal data for fraudulent purposes. This includes unauthorized credit reporting that impacts a consumers financial standing. 

I assert with unwavering certainty that I have not provided consent for CAPITAL ONE to report any information to my credit report. This undeniable lack of explicit permission constitutes a clear violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and Missouri state laws. 

I demand, with the utmost certainty, that CAPITAL ONE immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state law under Section 570.223. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Missouris identity theft statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CAPITAL ONE will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report, and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

No money was withdrawn or used, however a hard inquiry was placed on my credit from Amex on XX/XX/21. It must have been declined because I don't see an open account, however the hard inquiry is still impacting my credit report.
Product: Credit reporting or other personal consumer reports

I disputed accounts with Experian do to identity theft, the accounts came back as verified within a matter of days. I then submitted a notarized and certified letter requesting a method of verification and asked Experian to send me all the proof that they received in order to verify that the debts belong to me. Again they did not comply and verified the debts on my credit report as accurate within days, They did not provide me the documentation i requested. This is a direct violation of my consumer rights 611 of the FRCA. Experian send these generic response 's to consumers in order to dissuade consumers from exercising their rights and this needs to stop. They do not care how their inaccurate reporting effects consumers. They receive money from data furnishers who report inaccurate information. I am attaching the method of verification letters that experian has received and not honored.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my credit report that I did not recognize. I called the number to the bank from my credit report and none of my information matched any of their applicants information. I did notice the hard inquiry is only on my XXXX report as of right now. On their website, there is an inquiry for XXXX XXXX which is a past name of mine, which I have not used since 2008. The bank could not give me any information but did say there was a similar name and they would report the application as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to purchase a car and during the negotiation of the car they asked to run my credit, I asked how many times they were going to run my credit which will result in a hard pull on my credit report, they told me that they were going to only do one hard pull on my credit. When I check my credit report I see that I have two credit inquires from XXXX XXXXL and XXXX XXXX XXXX XXXX in which I did not authorize since I was told that the hard pull that they told me about would be for another bank.
Product: Checking or savings account

I had wire fraud on XXXX for amount XXXX from Citi Bank. The Bank said that they cant help me return money. When I spoke on the phone with manager he told me that Citi Bank is not responsible for my money and that I can hire lawyer of my choice to sue the bank. I talk to people in the XXXX branch-no one was able to help me.
Product: Credit card

I am unable to transfer my Chase Ultimate Rewards points to XXXX Partners due to an error on Chase 's end. My entire name matches completely between Chase, XXXX XXXX, and XXXX XXXX. An error occurs when I try to manually transfer AND when a Chase representative tries to transfer points. 

Email corrrespondence to have my issue resolved on XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. These attempts have led to being transferred to another representative who can not resolve the issue and transfers me to another representative. 

3+ Phone call attempts in the last month to transfer points that were met with an action to, " escalate the situation to the Marketing Department to see if they can resolve the issue. '' in which I haven't heard anything from Chase regarding these escalations, even beyond the " 10-business day '' expected response-time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies had been reporting erroneously collection accounts and accounts that do not belong to me, I have requested these companies ( collection agencies ) to verified and or validate the origin of this debt and all of this companies ( collection agencies ) had responded to my CFPB complaint that they don't have this accounts with them, therefor this is inaccurate reporting from credit reporting agencies. I'm requesting for this accounts to be removed from my consumer credit file immediately, as they are in violation of the FCRA section 609 ( b ) .Information place on a consumer credit file must be 100 % verifiable and  accurate. Please send me an updated copy of my credit report with these correction made and remove my name from all pre-screening offerts, and opt me out of your systems.
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 payment on an account that i was in fact paid on time. The consumer reporting agencies need to report all information 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 : XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # XXXX XXXX XXXX, Account # XXXX, XXXX, Account # XXXX, XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXXXXXX, Account # XXXX ID XXXX XXXX Have violated my rights. I looked at my XXXX credit report on XXXXXXXX XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act, Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to not 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.