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

Dear CFPB, A series of errors and disrespectful representatives has resulted in a loss of funds and a late fee for my rent. 

It started with my Now Card which was compromised. I called and had the card closed and replaced. There were 3 fraudulent transactions on it. I later would find out that for some unknown reasons the three transactions were split and sent to 2 different reps. One fraudulent transaction was approved. The day I received the replacement Now card, I also received a letter saying 2 of the 3 transactions were not approved with the erroneous excuse being that my card was not compromised. 

Later 2 reps, one a supervisor said themselves that was crazy and it should not have happened.

I called them back XX/XX/XXXX. The rep said it would be expedited and done by the next day. 

I called back XX/XX/XXXX to learn he had lied and had not processed it. The rep that day said it would be rushed and finished by Tues XX/XX/XXXX. I had been expecting it by XX/XX/XXXX in order to avoid a late fee on my rent ; and believing them I was stuck in a bad situation. 

On Thursday XX/XX/XXXX I called again. It had still not been done. I first spoke to a rep who sent me to a Solutions Dept. The supervisor there assured me it would be fixed this time and that it had already been approved after being on hold for 20 minutes and it would be back in my account within 2 hours. I called back about 3 hours later and spoke to another solutions dept rep. She informed me it had never been approved and that XXXX from before had lied. She then passed me to the department that is supposed to deal with card services. The card services rep did not want to get me to a supervisor and told me the manager was in a meeting. She assured me the manager would call me back that day. Come Friday XX/XX/XXXX I had not heard back. 

Friday XX/XX/XXXX I called back. I was sent back to solutions and then card services. The card services rep did not want to help me. After putting me on hold saying she was going to get me to management she simply put me back in the cue which took me back to the main numbers again. The next rep then did not want to help me and hung up on me. I then called back the main line, asked for a supervisor. That supervisor claimed to be sending me back to Card Services. After a long hold I was disconnected again. I called back again and got to Card Solutions Dept. A woman with a sassy attitude said she would finally get to me to a manager. After 30 minutes on hold, she hung up on me. 

I have still not received the refund of {$7.00} from the fraudulent XXXX transaction, {$30.00} from the fraudulent XXXX XXXX XXXX transaction and have lost {$50.00} in late fees due to the insane disrespect and refusal to get me to a manager or supervisor by the regions tech support staff. I demand that Regions pull the calls from XXXX in solutions and the card services dept with me, reimburse me for the 2 fraudulent transactions and compensate us with credit for the {$50.00} we lost only due to the games Regions shady phone reps were playing with us.
Product: Checking or savings account

Huntington bounced one of my checks. I opened this checking account because the bank told me I had a 24 hour grace period overdraft period. I used my debit card online by accident. I have a credit card with another bank that looks just like Huntington 's card that caused my Huntington account to be overdrawn by {$5.00} -- IT WAS MY FAULT BUT IT WAS ACCIDENTAL. My rent check bounced because I was short by {$5.00}. I have had my Huntington checking account for 7 years and have never bounced a check. I called the Bank and they told me the 24 hour grace period is at their discretion whether to honor the the grace period. My question is this -- -what are the discretion parameters???? If they do not honor a {$5.00} shortage in funds then they really don't have a 24 hour grace period -- advertising a 24 hour grace period and not allowing a {$5.00} shortage in funds is close to fraudulent and not acting in good faith to me as a long term customer in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX, XXXX, XXXX XXXX, XXXX, XXXX Wrong Address : XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Employers : XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They didn't place a freeze on my credit report
Product: Credit reporting

Different 3rd Party Debt Collection companies continue to buy and resell and report to XXXX credit agencies some bogus debt supposedly owed to XXXX XXXX for unpaid telecommunications/internet services which I never had. I have lived at current address for almost 4 years and had XXXX XXXX for nearly 10 years. This bogus debt keeps reaccuring on my credit report from various 3rd Party debt collectors whom can not vaildate the debt and do not possess the required documents to support their claims. They continue to renew it and it comes up as recently reported as recently as a week ago. Sometimes it is reported multiple times on the same credit report as slightly different debt, for under {$200.00} dollars most often as {$56.00} or {$150.00} dollars debt. This needs to be removed and the credit bureaus refuse to take any action to remove this despite it being in violation of the FCRA.
Product: Credit card or prepaid card

I had checked my credit report on XX/XX/XXXX and saw an unfamiliar credit card on my record. It stated it was an Amex card ( number starting with XXXX... ) It was opened in XX/XX/XXXX. The current amount balance is {$29000.00}. At one point that highest balance was {$72000.00}. After calling American Express, I learned that it is a personal credit card and I am listed as an authorized card user and not the main card holder. They had at least added my name and social security info. I had call 3 credit bureaus on XX/XX/XXXX ( XXXX, XXXX, XXXX ) and they will be investigating this issue. In the mean time, I had the credit bureaus put a credit alert and credit freeze moving forward. I had spoken to Amex again on XX/XX/XXXX and will said they will be investigating this issue as well and will see if they can remove me on this account. I'm just afraid that whoever is using my information will try to do damage on my identity and credit. Amex was unwilling to share the information of the main card holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because on the dates of XXXX, XX/XX/XXXX, and XX/XX/XXXX, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX  Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My savings account was frozen on the XXXX of XXXX by citibank after I made several withdrawalls. They said it was being closed and investigated for fraud. I have never received a reason why and I have called the company dozens of times.XXXX  is frozen and they keep extending their date when they say investigation will be completed. I lost my apt due to inability to access these funds. the company refuses to give me a reason or send me the balance of my account. I need my money sent to me immediately
Product: Credit card or prepaid card

Several months ago, I received a statement from Bank of America for charges and payments to an online company ( can't remember name ). The balance was {$0.00}, but I called to let BoA those were not my charges. I was very skeptical of the phone rep and did not provide any specifics. By the way, I do not have an account with BoA. 
XX/XX/2023 - An email was sent to my husband 's email saying, your new " Bank of America XXXX XXXX Banking '' account is now open. Neither of us applied or opened a new account. 
XX/XX/2023 - I received a BoA debit card in the mail with my name on it. I assume it is linked to the " new '' account we supposedly just opened. I'm trying to contact the bank to cancel the card and find out what I can regarding the mystery account. Very odd that communication is going to my husband 's email, but my name is on the documents. 

Given the recent lawsuit regarding BoA opening accounts without actually notifying individuals, I thought it would be important to report this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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

I just logged in to see my complaint status, a supposedly resolved. Not true, the company First Advantage XXXX XXXX finally responded, but only to the CFPB. I was never notified, nor did they reach out to me, probably because their " client '' Arise never provided a legitimate contact for me as part of the identity theft scheme. XXXX knows that their " client '' is engaged in unscrupulous and illegal activity yet chooses to retain them and take their fees for background services. CFPB responded to this site ( not me personally ) with : XXXX XXXX XXXX XXXX. First Advantage were instructed to perform the background check for XXXX. XXXX  being a client of First Advantage, certified they had obtained the consent / authorization of the individual in order to have the background check completed. First Advantage reasonably relied on this information and performed the services accordingly. First Advantage 's background process doesn't provide our consumers with any fully visible Personal Identifiable Information ( PII ) such as date of birth ( DOB ) and social security numbers ( SSN ) for identity protection purposes. If this is in fact a case of fraudulent actions, be assured First Advantage didn't deliver anything to the fraudulent actor who may have submitted the application. Our apologies if this has caused any inconvenience of your time and effort to resolve this matter. Any further concerns regarding how this incident may have occurred should be questioned with the potential employer or client ( XXXX  ) in which this was applied. 

( end response ) Not only has this caused an incident of identity theft and hardship, the background check company is knowingly engaged in illegal activity ( note forged " consent '' ) and does not get a formal response from XXXX who is a paying client. I expect to hear from this company and Arise to resolve this illegal and criminal activity in the next XXXX business days or legal action will be pursued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts that have been disputed and I have never gotten any reponse back have sent tin police reports and everything needed and nothing has changed. I have disputed several items and they are still on reports. some of which are fron many years
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX to : Equifax Equifax XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 Re : Unauthorized Credit Inquiry To Whom It XXXX Concern : I recently received a copy of my credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. The following inquiries, I believe are or may be part of FRAUD : Inquiry : XXXX  Date of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX Date of Inquiry : XXXX Contact : Not Available Inquiry : XXXX XXXX XXXX XXXX XXXX of Inquiry : XXXX Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX  Date of Inquiry : XXXX Contact : Not Available
Product: Bank account or service

Family account was established XX/XX/XXXX for those family members who were not able to pay full prices for all future family reunions. So XX/XX/XXXX after the markets fell, and we could not go on family reunion trips regularly, I ask the bank what amount was need to keep account open. Myself being the treasurer of the family club fund left {$290.00} the amount I was told in the MB Financial Bank in XXXX XXXX IL. In between that time my sister XXXX XXXX whom was the name on the account had moved, there was no mail forwarded to new address from old address so, long story short they deducted all funds over the course of the five years. Now present day we went to go close out the account was told we ca n't get any of our money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$4300.00} XXXX XXXX XXXXXXXX Balance : {$610.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are Collections and Charge offs and Late payments that are on my credit report and I have contacted XXXX, Equifax and XXXX on many occasions and they have failed to respond to my disputes.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

At this time, CashApp, by way of evasiveness in communication, refuses to acknowledge that I am the owner of a cashtag, $ XXXX. I have mailed them the information with a notarized statement as to my being the person behind the hashtag. They have not responded, which means that they are ignoring the matter or refusing to acknowledge this issue to the point of resolve.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, 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 Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Its been more than 30 days to investigate on going issue also i can not view annual free credit report. they continue to tell me to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery stated that once the balance was paid this item would be removed from my credit report. Instead of removing the item, they reported this account as settled TODAY. Instead of simply removing the item from my credit as a promise. A letter stating paid and agreement to remove is attached.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have XXXX business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My ENTIRE CREDIT REPORT WAS DELETED after I submitted an Identity Theft Report in XX/XX/2017. 
Positive Accounts have been REMOVED and SUPRESSED FROM RE-REPORTING MY ACCOUNTS TO MY REPORTS! 
i CONTACTED THE cREDIT bUREAU AND WAS TOLD TO CONTACT THE CREDITORS THIS MISTAKE WAS MADE BY XXXX AND THEY ARE REQUIRED TO FIX THIS ISSUE AND REPLACE MY INFORMATION BACK ON MY REPORTS AS IT WAS BEFORE THEY DELETED IT. 
THEY DELETED INFORMATION FROM XXXX  XXXX, XXXX, AND XXXX XXXX XXXX XXXX ACCOUNTS THAT WERE NOT REPORTED AS FRAUD! 
THIS IS ILLEGAL TO TAMPER OR REMOVE WITH MY CREDIT ACCOUNTS THAT I HAVE NOT REPORTED TO BE CAUSED BY IDENTITY THEFT AND I NEVER DISPUTED ANY OF THEM! 
XXXX IS IN VIOLATION OF MY RIGHTS TO FAIR CREDIT REPORTING. XXXX  IS NOT LEGALLY ALLOWED TO REMOVE ACCOUNT INFORMATION THAT HAS BEEN REPORTED TO MY CREDIT REPORTS UNLESS AUTHORIZED TO DO SO WHICH THEY WERE NOT. 
XXXX  IS PREVENTING MY ACCOUNT CREDITORS FROM THEY'RE RIGHTS TO REPORT MY ACCOUNT INFORMATION AND THEY ALSO WILL TAKE ACTION WITH MY TO FILE A COMPLIANT IN COURT TO FORCE THIS ISSUE SINCE THIS HAS BECOME A PROBLEM FOR THEM BEFORE. I HAVE COMMUNICATED WITH XXXX  XXXX AND XXXX XXXX XXXX XXXX, AND XXXX.