23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The amount that this collection agency is trying to collect is incorrect. The company ( XXXX XXXX ) provided information for {$350.00}. Harris and Harris is claiming that I owe {$430.00}. Where is the additional {$87.00} coming from? Fees? Does the original agreement permit this? This is incorrect information that is being reported on my credit. I want all documentation that was transferred from XXXX XXXX to Harris and Harris. Because the information is inaccurate. Theyre knowingly damaging my credit and falsifying information on my report.
Product: Checking or savings account

I had on my account an overdraft and I sent money to my account to enough money to cover my negatives before XXXX on Friday XX/XX/XXXX so I dont get charge fees and still me having money on my account and with no negative in a positive balance with money the bank chase still charge me on Saturday XX/XX/XXXX at XXXX {$34.00} XXXX times which is {$100.00} dollars and they change the date as they did it the XXXX of XXXX a day before taking my money so freely when I even took scream shots to have proof of it because they have done this before on my account doing overdraft fees when is not there and now that I call customer service to help me they dont want to return my money or help and they just hang up the phone saying they cant help me at all or return my money back after speaking to XXXX different customer service specialists. Please help they shouldnt take peoples money freely when you dont have a negative on the account balance. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of Transunion to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA sections 609 and 611, the Credit Bureaus are required to verify the information and status of the accounts being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed accounts claiming that the information they present is accurate, with which I greatly disagree. I am submitting this complaint to you today to request that Transunion provide me copies of documents bearing my signature to verify the status of the disputed accounts. If the Credit Bureaus failed to comply with the condition and continue the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected 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
Product: Checking or savings account

Back in XX/XX/XXXX, I was a target of a bounced check in my checking account from capital one. A person posed as an employer emailed me from my college email asking if im interested in an internship opportunity. Then when I replied back with my interest, we started communicating through emails regarding the hiring process and steps. The employer told me that theyll send a check from my college for the supplies needed for the internship and when I deposited the check, it became a bounced check and I noticed red flags so I told my bank about the scam. Now currently I have a negative {$2300.00} on my checking account and Ive called my bank multiple times trying to resolved this problem but my account is currently restricted and they told me to email them evidence of me being scammed and theyll respond back to me but its passed 15 days and nothing has changed. Ive called & contacted my bank. The dates Ive called my bank regarding this bounced check scam are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking why they have decided to close my account with them. My bank stated that I have to paid them back the {$2300.00} first before I could receive the rest of the money from my savings account but I told them numerous of times through the phone calls that I was a target of a scam from a bounced check. The bounced check that I deposited even have my colleges name on it indicating that it was from a job from my college. The scammers wanted me to deposit the check and then use the check money to send it to a sales representative who could help me buy the materials I needed for the job and when they started to get persistent and impatient of me sending the full amount of money I started to get suspicious. I have a lot of screenshots of exchange email conversations with the scammers and evidence of the bouncing check. My bank states that if I send them those evidence then they could help me with the negative {$2300.00} but its been weeks and they still have not responded or helped.
Product: Debt collection

Pulled credit report on XX/XX/2019 and noticed item on report Mailed letter to company about item on report.

Company signed for certified letter.

No response was received from company.

Sent second letter to company for verification of item on report.

Company signed for certified letter.

No response was received from company.
Product: Checking or savings account

Someone had perpetuated a fraud against me, possibly from Bank of America and I need my money back immediately as this is causing me incredible stress & grief! 

On XX/XX/2024 I deposited money at BOA ATM Machine. 
I then went to the XXXX XXXX Minutes later as im exiting the store My phone rings with an XXXX number. I dismissed this as I always do with XXXX numbers It immediately rang back again and I then realized it was B.O.A. 's number XXXX XXXX so i picked up to hear " Hi this is so & so from BOA calling from the fraud Dpt on a recorded line can I speak to XXXX? '' " Yes this is he ''. He then gave me some speech about someone trying to fraud my account, and after several times of me questioning him, he assured me since this was BOA phone line hes calling from that it was legit. He had me wire {$690.00} through XXXX from my account which left me around XXXX dollars. 
Ive had to borrow money as that money I deposited was for Bills! 
Ive had calls in the past from BOAs XXXX XXXX XXXX XXXX phone line regarding fraud attempts so this is why I made the foolish decision to send the money. 
If needed I have screenshots of the incoming calls from the XXXX XXXX XXXX on XX/XX/2024 I need MY money credited back to my account now yet Bank of America had denied my claim 3 times now! Please help Someone please call me regarding this ASAP! XXXX
Product: Credit card or prepaid card

I have had so many problems with this company since the beginning I should have stopped when I started. The company seems to make there own rules when they want and will lie straight to ur face whenever something does not seem correct. When you go to make a payment on their app it says payments processed after XXXX eastern will POST the next business day. So I decided to make a payment the day before at XXXX am central. I waiting till around XXXX and asked them why the payment had not been postted they proceeded to tell me that the funds will post and Be made available in 2-3 business days. Now that doesnt make since, however when u call to discuss it they get made mad and start to make up rules on the fly to cover themselves and there is nothing you as a customer can do about it but what I am doing now because u can hear them laughing in the background and all they tell u is that how it gon na be and thats the answer your gon na get. Thisis not the first time in have dealt with them. They are not a company and don it have a professional customer service department.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and as a result, fraudulent accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these fraudulent accounts and inquiries be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified : Fraudulent Accounts XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3000.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$3800.00} XXXX. XXXX - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$440.00} XXXX. UNAUTHORIZED COLLECTION - Account # XXXX - Date Opened : XX/XX/XXXX - Amount : {$130.00} Fraudulent Inquiries XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX - Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry from Bank of America on XX/XX/2022. 
I did not authorize this.
Product: Credit reporting or other personal consumer reports

This is my second notice asking the following credit bureaus XXXX, XXXX and Equifax to remove, XXXX XXXX XXXX account # XXXX from my consumers report. Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and XXXX XXXX XXXX and Federal trade commission. 
15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report was shared with third parties in XXXX XXXX without my consent and permission. All financial data ( social security numbers, account data, personal history ) was exported abroad to call centers in XXXX XXXX. The customer service representatives refused to help or update my credit repot. The credit score is the lowest of all credit reports and vary across different services ( XXXX, XXXX ). Compared to XXXX  ( XXXX ) and XXXX  ( XXXX ) the Equifax credit score is the lowest. They dont update monthly payments, which ultimately hurt my FICO score. Im concern about identity theft with Equifax. Last year, a customer service scammer claimed to work for Equifax. He begged me to buy a family membership to include third parties. I told him I didnt have dependents or family associated with my financial accounts. Months later, I was called from scammers telling me that my social security was at risk and had to confiscate it and I had to pay money. I had to file a police report. Not only is Equifax plagued by identity theft issues. My credit score falls behind 80 points because they dont update my credit history on a monthly basis. I told Equifax to stop exporting my data abroad to XXXX XXXX call centers, and provide customer service from the U.S. As a consumer, I deserve to have federal law monitor any security risks that Equifax could pose to my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I was attempting to purchase a new car from the XXXX XXXX XXXX and they informed that my Experian and XXXX credit reports each contained a security freeze. While I was immediately able to unfreeze my TransUnion credit report via their website, the Experian report showed it being unlocked on their membership website that they gave to me. On XX/XX/2019 I spoke with XXXX and they still said that it was frozen. When I actually called Experian they said that it was frozen and that I needed a PIN that had been sent to me in the mail at the time of the freeze. I informed them that I never received it and why on earth would they send a PIN that could unlock my credit report through an unsafe delivery system where anyone could take it? Then they wanted all of my private info such as bank statements, utility bills and copies of my government identification to be sent to them via the US Mail and then they would mail me my pin -- again, another chance for some credit thief to get my personal information. When I asked XXXX the supervisor if I could speak to his manager he laughed and refused to help even when I pleaded with him that I had to buy a car to continue to keep my job. Furthermore, he wouldn't say if he was in the US or not and refused to give me the name of the operator who I had spoken with previously even when I said that I was going to file a complaint with the FTC he didn't even care about my situation and was uncooperative. I became very upset and hung up the phone and now here I am. I need my credit report unfrozen and I think that the FTC should fine Experian so that in the future they try to help their customers instead of making it so difficult to deal with them -- especially since they have such a monopoly on the credit reporting industry.
Product: Credit reporting or other personal consumer reports

there was a credit inquire on my Transunion that took place on XX/XX/2022 that I didn't not authorize or give permission to used my information so I call the bank and informed them on the fraud account that was attempt to be open was not authorize by me so they close the account immediately they told me to call Transunion to get the inquire remove but they try to tell me I need a police report and they would look into but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXXXXXX, XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX has violated my rights. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  # XXXX 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 an account without my written instructions The following accounts are all fraud and need to be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

In XXXX, I lost my job because of COVID-19 crisis and I faced significant financial hardship. 

Then it became very difficult for me to pay the credit cards on time because I had to buy food and housing to survive, so I contacted the creditor CAPITAL ONE to request some time to be able to pay the cards due to the crisis we were experiencing, the creditor told me that there was no problem but, they still reported in my history that I did not pay on time, violating the CARES Act by covid-19, I contacted them again and they told me that they could not do anything that it was going to stay that way, forgetting all the aid that the government in power had provided, affecting my credit history. 

despite this request and the compliance with the CARES Act, CAPITAL ONE reported those payments as late on my credit report. 

All those requests were made by telephone calls. 

I kindly request that the CFPB investigate this matter, as I believe CAPITAL ONE has failed to comply with the CARES Act provisions and is unfairly damaging my credit history. 

It should be noted that as soon as I was able to recover, I fulfilled my obligation to pay the entire debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax company. I am trying to lift a security freeze on my credit report. I have tried all possible means to do that - app, IVR, phone call, web site. Online means give an error. Calling via phone - the place you on hold for hours and the call drops.
Product: Bank account or service

Around XXXX XXXX, 2015 I went into the bank I usually go to, where I also go to XXXX. I then asked the representative to help me. XXXX helped me but then he said that my issue needed to be handled by a banker ; my banker XXXX. He then asked me to wait on the lobby, until XXXX was ready for me. Instead XXXX did not call me into her boot even though her boot was empty. Instead, she scurried in and out of her office several times to get XXXX to communicate with me instead of calling me into her office to speak directly to me. Almost three months went by. I did get XXXX calls from corporate to tell me that what I say is not true. Today, I went into the bank after making an ATM deposit. The representative from the XXXX booth to the left from the door, asked me if she could help me ; I do n't remember her name. I told her that I wanted to speak to the manager. She then tells me the manager is not in, and neither the assistant manager. She then tells me I can help you. I told her my story, but when I mentioned who discriminated on me, she gets out of her cubicle and tells me to leave and get out of the bank because I was making a scene. She called telling her my story making a scene. I waited for her to call someone to throw me out. She just went to the back of the bank and then came back and called a customer to her cubicle. I then asked the person at the XXXX cubicle next to her to help me. She yells out to him, do n't help her she is done here! He then tells me, he has an appointment. This is the excuse they were trying to make for XXXX, that she might have had an appointment. But then XXXX took the time to speak to the customers who were waiting, who came after me, but said nothing to me. The manager finally called me today XXXX/XXXX/15 at XXXX, but then at the end of the call, she tells me that if I do n't like the way I am being treated at her branch, that I should go to another branch. No wonder discriminations is main stream there, the employees cover up and protect, make excuses and deny for each other. I have emailed corporate, XXXX, and XXXX, but no one responds or mitigates my humiliation. I see that Chase has many legal law suites and many Chase hate websites, like XXXX. I see now why. There are so many complaints against Chase ; how shocking. I can see why, Chase adds fuel to the fire, instead of mitigating the complaints. Todays visit solidifies that if I had been a white person ; I would not have been treated this way. And having XXXX accounts with Chase, does not matter to Chase. I was very humiliated the first time ; however, today I have been deeply humiliated. I have been in XXXX California 60 years, and spent 29 years XXXX Count ; however, I never had these type of issues XXXX, but XXXX XXXX XXXX XXXX, it is a frequent occurrence, I am sad to say. Thank you.
Product: Checking or savings account

My account at Bank of America / Merrill Lynch will not allow for trading of XXXX and XXXX stock. By only allowing selling of the securities they are purposely driving down the price and manipulating the market.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I wrote to XXXX, XXXX, & XXXX   in regards to them saying I owe {$720.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote Convergent Outsourcing myself informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately. I would like this inaccurate information deleted immediately from all three credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S  information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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