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

I opened a savings and checking account with Laurel Road bank in XX/XX/XXXX. The whole process was done online. I did not fund either of the savings or checking accounts until later. 
I received 2 small deposits into the checking account on XX/XX/XXXX, and XX/XX/XXXX. A few days later I was able to transfer those funds to other accounts outside of Laurel Road bank with no issues. 
On XX/XX/XXXX, I initiated an ACH withdraw from Laurel Road bank to withdraw money from another external bank to be deposited in Laurel Road checking account. The exact amount is {$6500.00}. My intention was to use those funds to pay my daughter 's tuition.

As soon as the money was withdrawn from the external account and was deposited into Laurel Road 's checking account, I was logged out and locked out of my account.

I reached out to their support, which later proved to be useless and are there only to buy time and keep repeating the same canned responses. The justification was that my identity needs to be verified! I was on the phone with them and was ready to provide whatever is needed to verify my identity, but was asked to wait for an email asking for docs to prove my identity.

Finally I received an email asking for a cell phone bill to prove my ownership of my phone!! and a recent external bank statement that is linked to Laurel Road. I provided those and was asked to wait.

Next morning I call for an update as I am getting close to the tuition due date, and then was told we need more information, and asked to wait for an email to know what is needed. This all could not be asked at once. It had to be done on multiple calls, and I had to ask for what is needed! Then, I send the required docs, and again get asked to wait.

Following morning, the same call with the same response, just wait. I explain that I am in a time crunch and that I provided all the docs needed and that the account worked fine before I transferred this amount before. They said they can't reverse the transaction to get the money back to where it was transferred from so I can pay tuition while they proceed with their ridiculous time wasting identity verification process from the XXXX. 

I kept getting pinged ponged between customer service dept, fraud dept, and resolution dept. I was promised to received a call from a senior person who can actually get things done rather than repeating canned responses. Ofcourse, the call never took place. 

Every time I call, I get presented with a lie just to wait. I am more eager to verify my identity than the bank is, it sounds like. 

This bank seems to employ the bait and switch way of getting people t transfer money to them, and then lock them out of their accounts. I've read online that a lot of people reported the same thing, so it is not a one-off type of scenario. 

This bank must be held responsible to their fraudulent behaviors. I will keep doing what I can until I get my money back, but wanted to report them so that they don't keep XXXX  people this way. I also submitted a XXXX complaint, and am looking into seeing them for damages because of inability to pay XXXX tuition.
Product: Debt or credit management

They are calling and harassing me multiple times a day and at inappropriate times. Always calling from a different phone number-if I answer I ask who they are and what company and why they are calling and they refuse to give that information just launch into some script. I want it to stop! 
I dont even know what this is about and the odd thing is -I just started recently as i have corrected and fixed some inaccurate info on the credit reporting agencies. Please have them cease the harassment! I dont even know what this is for! Vultures!
Product: Debt collection

Dear Consumer finance staff, I, XXXX XXXX XXXX, from XXXX New York, received an offer from XXXX XXXX to help me settle my credit card debt. On XX/XX/XXXX I received an offer from agent, XXXX XXXX from XXXX XX/XX/XXXX, to settle my debt with three Credit Card companies, a total of {$20000.00} to be reduced to {$10000.00} to be paid at 36 months installment of {$280.00} per month. I already paid to this agency {$280.00} on XX/XX/XXXX, and {$280.00} on XX/XX/XXXX. I was advised by, XXXX XXXX XXXX to stop paying my credit card bills that they will take care of the debt settlement. He also mentioned that the credit card companies will just void my debts due to me not having any properties or assets to back up the debts Ive incurred with the credit card companies. He also sent me some brochures and asked me to send him a copy of my drivers license, which I emailed to him at XXXX He also asked me to send him a copy of my Social Security Card, which I did not send to him. I became suspicious and proceeded to stop this withdrawals given that the agent mentioned above never responded to my emails, once the withdrawals from my checking account were taken. I have been also getting emails regarding educations on how to maintain a heathy financial activity. And received a call or two regarding such education and to confirm that I had received their brochures and forms. The agent, XXXX XXXX, told me that his agency will settle my debt, and given that I have no properties or assets, their agency could settle my debts with the credit cards, and they will just settle with them and consider the reminder of it a loss on the part of the credit card companies. They had me look in the internet for their credentials, and I found no negative consumers report on this agency or company. Their website is XXXX when I search for consumers report I only find their official website, as such, XXXX XXXX XXXX The debt settlement, as they called it, was with the following credit card companies, Capital One, XXXX XXXX , and XXXX XXXX  XXXX I must say that XXXX XXXX , put me under pressure to sign all documents as fast as possible, without giving me the chance to think about it and get back to him at a later time. I would appreciate if I can get any help you could provide to me for the situation I am in right now. I look forward to your response to my complaint. I can provide you with the document they had me sign on line by forwarding their emails at your convenience. Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went to my local dentist at XXXX XXXX XXXX XXXX and needed a procedure done and they offered me a in person payment plan that I would pay monthly and asked for my information, I asked if it would hurt my credit in anyway and they assured me that it would not hurt it in anyway the information was only going to be used for general purposes. As the receptionist entered my information I was informed by my mobile device that my credit was pulled with a hard inquiry and she said that it was not possible and said I should file a dispute to the Credit Bureau which I did on XX/XX/XXXX after receiving a credit card in the mail for XXXX XXXX which I did not approve.
Product: Credit reporting or other personal consumer reports

am filing a complaint against TransUnion for failing to properly investigate disputes regarding inaccuracies on my credit report. Despite submitting multiple dispute requests, TransUnion consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice appears to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ). This was highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against XXXX for similar violations XXXX I respectfully request that the CFPB take appropriate action to ensure that XXXX complies with federal law by conducting proper investigations and providing consumers with the necessary proof of such investigations. This is the account I've marked as inaccurate XXXX XXXX XXXX
Product: Credit reporting

EQUIFAX allowed 50 credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested EQUIFAX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission 56 inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as requested. 
I have contacted both Experian and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
Product: Checking or savings account

The complaint is about Chase bank. I was planning to close my XXXX XXXX savings account, so I needed to transfer the funds to my Chase checking account. Through the Chase website, I set up two electronic transfers, since there is a {$25000.00} daily limit. The first transfer on XXXX processed without issue. The second transfer on XXXX was pending review, and then I received a voicemail from the Chase fraud prevention department. When I called them back, they told me that I could no longer transfer funds from my XXXX XXXXXXXX account to my Chase account via ACH. I asked for an explanation, and they refused to provide one. They said I could do a wire transfer, probably so they could collect the associated fees.
Product: Checking or savings account

I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
Product: Debt collection

I purchased a pair of shoes from the merchant through a mail ordr catalog, Midnight Velvet ) a subsidiary of The Swiss Colony. After weraing the shoes twice they fell part literally and I called customer service about the issue and was instructed to return the shoes for a full refund, as of today I have yet to receive my refund. Since I returned the shoes via USPS, this debt is not owed and the merchant owes me a FULL refund. This is an illegal demand for payment and in direct violation of the FDCPA
Product: Credit reporting

XXXX is on my credit report 1 ) without an amount. I never had internet for 2014. XXXX billed for internet. I had XXXX for phone. I have history of records, payments, etc. I have paid in full but it is on my credit. I was late with small payment but should not have owed that anyway due to no internet for the year 2014.
Product: Debt collection

This debt was an identity theft with synovus/ first digital. I sent them numerous documents that this debt was fraudulent and instead of rectify the situation they sold the debt to XXXX XXXX XXXX who is now showing on my credit as negative
Product: Money transfer, virtual currency, or money service

paypal permanently limit my account, i requested to restore my account but they refuse i called customer service but no one can answer my call my paypal funds needs asap the funds in my paypal account is a personal payment for a project between me and my clients, i believe paypal mistaken limit my account
Product: Money transfers

I gave my mon-ey to JPMorgan Chase bankand asked ifthey could getit to therecipient inXXXX. Theysaid couldhandle it, andthat theywould takecare of it. 

Money nevergot to the beneficiary in the bank inXXXX! 

If I had n't been confident ofthe bank assuring methat they couldwire my moneyto XXXX, andthat thebeneficiaryin XXXX would get the moneyI would nothave givenJPMorganChase mymoney!
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA section 605B ( 15 U.S.C . Section 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, loans, insurance from the US Dept ED with balance of {$4900.00}, US Dept ED with a balance of {$2500.00}, XXXX XXXX with a balance of {$1000.00}, XXXX XXXX with a balance of {$530.00}, XXXX with a balance of {$330.00}, XXXX XXXX with a balance of {$1300.00}, XXXX with a balance of {$2600.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX a balance of {$250.00}, XXXX XXXX with a balance of {$350.00}, and XXXX XXXXXXXX  with a balance of {$19000.00}. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I called Bank of America to remove a charge from XX/XX/year>. I ordered a product from XXXX, a mens health company, which I never received. 

After 4 months of waiting and communicating via email with XXXX, I eventually asked for a refund which I never received. I then contacted BoA and opened a dispute. I provided BoA the entire email string between myself and XXXX which clearly shows that I was charged and never received what I ordered. BoA closed the claim due to lack of information. 

I tried reopening the claim and 2 different operators kept send me to different departments, pushing the problem onto someone else.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion regarding their inadequate investigation of a dispute I filed about incorrect information on my credit report. Despite providing substantial evidence, TransUnion failed to address and rectify the inaccuracies in my credit file appropriately. Specifically, the disputed account XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, I was never late on this account and should not be reporting closed. Please look into this late payment and ensure that it is updated as paid. 

XXXX XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX : Account number : XXXX, Please delete this account from my report. There are many inaccuracies. Clarify this information to me or delete this account immediately from my credit report. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 

XXXX XXXX XXXX | XX/XX/2023 : Account number : XXXX, This is inaccurate. This inquiry is unauthorized. Delete this inquiry immediately. 
TransUnion 's response was a generic form letter that did not address the specific issues or evidence I provided, indicating a lack of a thorough investigation as required under the Fair Credit Reporting Act ( FCRA ). These inaccuracies have significantly harmed my creditworthiness, impacting my ability to secure credit and favorable financial terms. I request the CFPB to investigate TransUnion 's handling of my dispute, ensure a proper investigation is conducted, and mandate the correction of any inaccuracies in my credit report. Attached are copies of all relevant correspondence and evidence. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit reporting agency to verify this bankruptcy and to give me the name of the representative at the court. This bankruptcy should've BEEN OFF my report. Experian is the only one showing this information
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, XXXX I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt collection agency Wakefield & Associates has been contacting since XX/XX/2002. I have provided Wakefield proof I dont owe the {$35.00} copayment. I paid the doctor my copayment and the check was cashed by the doctors office. Wakefield is aware I dont owe any money but refuses stop calling me. I told them to stop harassing me for payment and to stop contacting me.
Product: Debt collection

Got a call from XXXX threatening me about a payday loan from Check n Go. They said I need to turn myself in to the police. My bail is {$25000.00}. I need help, I 've never received any letters from the payday loan company or any summons. Needless to say I live in Missouri and I get a call from an out of state number about this matter. Also, this XXXX number had the sheriff 's office call me. And said that if I 'm pulled over I will be arredted for this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am writing this complaint today because my rights have been violated repeatedly by the company listed below. This company has violated my rights under 15U.S. Code 1681and U.S. Code 1679 I have a right to an accurate report and this company is reporting an inaccurate balance. The balance being shown is not correct as well as reporting an inaccurate file. I was charged a repossession fee twice. I purchased GAP insurance when purchasing the car, the lender was paid out by GAP to cover the loss vehicle. The file should be a point of sale and was reported as a installment loan. Because of these violations mentioned, I'm it be removed immediately as the solution. 
account to be removed as followed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I've had my Chime Checking account for years now with direct deposit from my former employer. I just changed jobs and set up the new direct deposit with my new employer. However, my bank refused to offer real time verification to XXXX, so my first check was issued as a paper check. I thought that a paper check for the first check was a thing of the past in the first place? Since Chime is 100 % online, my only choice was to do a mobile check deposit of my paper check. So far, no big deal, just a hassle, but now here comes the unacceptable part! They tell me they are placing a hold on my check for an entire week, XXXX business days! This is a business check through ADP! It's NOT going to bounce! It's not out of state or anything and it's from my new employer! I haven't been paid in almost a month now and I am penniless! I need my money now! I have child support to pay! I chatted with them through their app and they said it would be resolved over the weekend, which was an outright lie! So Monday came and went and I had them call me this time and even spoke to a supervisor. They had absolutely NO compassion and NO flexibility in their rules. It was like talking to a brick wall. Maybe I'm more demanding than most, but I think it is absolutely unacceptable in this day and age to have to wait XXXX business days to clear an in state paycheck from an employer who I am setting up direct deposit with!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  improperly reported the following lates XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 60 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX 120 Day Late, XX/XX/XXXX120 Day Late, XX/XX/XXXX 120 Day Late,XX/XX/XXXX120 Day Late. Needs to reflect on time payments
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was removed from XXXX. XXXX and XXXX have not removed the account, although validation has not been done. There is no possible way they validated when XXXX received the same information and could not validate which resulted in the account being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX calls have been placed to Equifax and not having my credit report scores, and update available to me.