23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I filed a claim with Bank of America Pre Paid Visa connected to my Maryland Unemployment Benefits and Pandemic Relief account in XX/XX/XXXX. The claim was for unauthorized charges due to the theft of my card. The claim was supported by a police report. I contacted customer service over 20 times and spent hours on hold just to be denied 2 months after the claim was made. 

It didn't make sense to me that after closing my account twice without notice " for my protection '' causing me to go months without my benefit funds, how Bank of America could deny my claim when ACTUAL FRAUD HAPPENED??? 

I just read an article about CFPB fined Bank of America XXXX XXXX for closing accounts for no reason and denying benefits to us for months. That's why I decided to make this complaint. 

Just recently, on XX/XX/XXXX I called BOA Pre Paid to reopen my claim. After doing so I was told someone reopened my claim XXXX XXXX XXXXXXXX. I don't know who did that but the agent named XXXX said that my claim had been reopened and HAS BEEN IN PENDING STATUS FOR ONE YEAR. 

I have email threads with many people about this incident. I can forward every piece correspondence to CFPB but I don't know where to attach or the correct email to forward this messages and emails. 

Please help me rectify this issue. BOA Prepaid claim number XXXX. XXXX XXXX. 

Again, they closed my account for fraud protection ( for my protectio ) but when actual fraud happens I get denied the money the was stolen. 

Thank you
Product: Debt collection

Received presentment from SANTANDER CONSUMER USA in regards to an alleged debt XX/XX/2022. Payment was tendered on XX/XX/2022. XXXX XXXX, doing business as chief executive officer acknowledged notice of payment on XX/XX/2022. I have not received full credit of account. XXXX XXXX, doing business as chief executive officer SANTANDER CONSUMER USA is now using force and coercion per credit reporting agencies and also using threat to commit grand theft auto on a settled debt.
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 # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX 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: Debt collection

I show discrepancies on my credit report. Enhanced Recover '' XXXX '' XX/XX/2016 for {$1200.00} XXXX has account listed as " Charge OFF '' and XXXX has account listed ad " Collection ''.
Product: Mortgage

On XX/XX/XXXX, PNC Bank took two mortgage payments out of my checking account instead of one, a result of a computer error, according to them. I called their customer service team, and they stated they would credit the second payment back to my checking account. After nearly three months, they have credited back approximately half the amount of the payment, but the remaining XXXX remains outstanding on my loan balance. I have called them multiple times concerning this issue, but they have been unable to solve the problem. As a result, I have been getting calls from their automated late payment telephone number, and have received a letter stating that I am behind on my payments, when technically the opposite is true. I have spoken to many people at the company, and all seem unable to help resolve this issue. I am submitting this complaint as a last resort in hopes that the issue can finally be resolved.
Product: Debt collection

I engaged in a consumer transaction in which I used my " Credit Card '' for a finance charge. I am now being charged cash payments in addition to the finance charge which congress states is a violation. My finance charge encompasses the sum of all charges 15 usc 1605. CAPITAL ONE is not reporting false information to consumer reporting agencies to corers cash payments for my consumer transaction which falls under the definition of a finance charge. I will attach congressional definition that support my stance.capital one account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One credit card account opened in XXXX. Account closed in XXXX. They show one payment 30 days late. I disputed because it was set up on auto pay, I have no record nor does my bank of a 30-day late payment. Their records are likely correct. If their records are correct, it is 1 late payment in 7 years. The late payment occurred in XXXX according to their records. Could this possibly be removed? My payment history is stellar other than this one occurrence.
Product: Debt collection

medical treatment was giving less than a 6 month period and is already in collections, this isn't fair specially during an pandemic they broke up my bills as 7 different Derogatory marks against my credit report instead of one complete remark, this affect my credit report dramatically and is not fair
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and VantageScore are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Money transfer, virtual currency, or money service

Several complaints about unauthorized payments but was denied each time through CashApp
Product: Checking or savings account

Regarding : Customer Name :   XXXX   XXXX   ; Checking Account Number :  XXXX  ; Bank : Citizens Bank NA On XX/XX/XXXX , 2017 Check  XXXX  was written payable to   XXXX   XXXX   XXXX   in the amount of {$200.00}. On the same day, that check was voided and check   XXXX   was written payable to   XXXX   XXXX   in the amount of {$150.00}.
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On  XX/XX/XXXX , 2017, both checks were cashed, thus putting the account ending in   XXXX   into a negative balance. I had called Citizens Bank and spoke to their representative  XXXX , who filed a fraud claim and reassured me that this would be resolved within 10 business days and that Citizens Banks would return my money to the account along with all the overdraft charges that resulted from their error. He noted that " Void '' was written clearly and legibly across the front of the check. He also told me multiple times that this was Citizens Bank 's error. The claim number I was given is  XXXX .
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I followed up 8 business days later on  XX/XX/XXXX . At that time, I was told it would take 8 weeks for Citizens Bank to refund me my money and that there was no way for them to expedite the process. They claimed that the fault was not theirs and that they had to verify that the check was indeed voided. I asked why this had to be verify as it was already on record that this check was voided, I received no answer.
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I called again on XX/XX/XXXX , 8 weeks after the voided check was cashed. I was told the claim was still open, but yet to be resolved. When I asked how much longer it would take, I received no answer. I have yet to receive the original {$200.00} back in my account, along with the {$70.00} in fees.
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On  XX/XX/XXXX , I received a letter dated on  XX/XX/XXXX , stating that Citizens Bank is not at fault, that this was a matter between myself and the payee. They refuse to refund me the money they withdrew without authorization in addition to the fees that resulted from the unauthorized withdrawal, thus going against their previous statements made on the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

SPOKE WITH A MANGER TODAY AT XXXX XXXX XXXX XXXX AND SHE WAS EXTREMELY RUDE AND TOLD ME THAT THERE WAS A 60 DAY LATE ON MY XXXX XXXX CREDIT CARD. THIS CARD HAS NEVER BEEN LATE AND DEFINITELY NEVER BEEN 60 DAYS DELINQUENT. THIS ERROR IS KEEPING ME FROM GETTING APPROVED FOR A CAR LOAN PER THIS MANAGER I SPOKE WITH TODAY. UNFORTUNATELY I DONT REMEMBER HER NAME BUT SHE WAS RUDE AND WAS A LENDING SUPERVISOR! I HAVE LOOKED AT SEVERAL DIFFERENT VERSIONS OF MY CREDIT REPORT FROM SEVERAL DIFFERENT SOURCES AND NONE OF THEM SHOW THIS 60 DAY LATE. BUT XXXX SAYS I HAVE ONE. WHICH IS INCORRECT.
Product: Debt collection

I paid XXXX, XXXX dollars, XXXX dollars, Almost 860 dollars paid. 

Credit bureas should make a correction, there is wrong amount and furthermore under fair trade act, less than 500dollars debt should not be listed in credit reports as a correction. US Congress supports veteran like me. Credit bureau should update. 

Attached files are evidences.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attention to cfpb ; A company called XXXX is putting false information on their search seite and refusing to remove the info. I have tried to resolve the issue with the company directly however I am receiving no response and it has been 3 months and this poses as a security issue for me and my family as our personal info. is being exposed. They put my name in these listings XXXX XXXX ; XXXX VA and XXXX XXXX in XXXX XXXX VA. I don't go by this mane nor do I live in any of these places. Also a company XXXX XXXX ; XXXX ; XXXX ; and XXXX ; XXXX ; XXXX and many other like XXXX ; is posting false information in these names XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX also XXXX  ; XXXX ; and many other search seites is being posted like this and I want all these false info. to be removed and also XXXX   posted false divorce records against and refuse to remove the info. also a with hold persuant. to USCIS false odd file control number is circulating on XXXX and on other searches as well in XXXX XXXX XXXX and I requested this to be removed but they denied this request also also XXXX and complaints XXXX falsified slanderous alligations against me that could harm my security and I pose as no threat to no one any I am a legal law abiding US citizen.
Product: Checking or savings account

I have an XXXX XXXX Citibank credit card. While on the internet, paying my CC, I received an ad for a Citibank XXXX XXXX account. Since, I have the CC I decided to open a savings account with them. On XX/XX/XXXX, I applied online, and opened a savings account with Citibank, and transferred {$3500.00} into the account. Everything seemed ok with the account so far. On XX/XX/XXXX, I deposited another {$2000.00}. I checked my account on-line on XX/XX/XXXX and everything was still OK. I was planning on making another deposit on XX/XX/XXXX, when I noticed that they had blocked my account. When I called the number on the back of my Citibank card they informed me that my account was under suspicion to be a fraudulent account. They wanted me to send proof of funding, my drivers license, and a utility bill with my name and address to XXXX, which I did. I have been on the phone with them more than 9 times since my account has been blocked. I have been asking to speak to a supervisor or manager to clear this up. They take my phone number and inform me that a supervisor is not available at this time and they will put in a request for a call back. I wait, and wait, NO CALL BACK. I call again and get the same run around. Now, I visit the Citibank website, I log in, pull up a current statement and see that my account balance is {$1.00}. On XX/XX/XXXX it shows a OTHER DEBIT amount of {$5500.00} subtracted from my account. I keep trying to have my account unblocked, but to no avail! I do not know what else to do? They are getting away with stealing thousands of dollars from who knows how many people. PLEASE HELP!!! I have contacted my banking establishment and they have closed the claim stating that the funds where transferred and excepted. There is nothing they can do about it.
Product: Money transfer, virtual currency, or money service

Someone had my phone and stole all the information out of it and somehow sold my cash app to a gambling site and now I can't have cash app and I think my identity is gone
Product: Prepaid card

I have two $XXXX  prepaid American Express cards that get declined anywhere I try to use them. Ive called customer service many times and all they say is try another merchant. The cards are getting declined everywhere!
Product: Checking or savings account

On XX/XX/year>, I discovered that an unauthorized transaction of {$8000.00} was processed on my account ( Account XXXX : XXXX ). This transaction occurred while my virtual credit card was locked, which should have prevented any such activity from being processed. I did not authorize or approve this transaction. 

Upon discovering the unauthorized transaction, I immediately contacted my bank, Current Bank, and spoke with a customer service representative named XXXX. During this conversation, I initiated a dispute for the transaction under dispute number XXXX. As of XXXX XXXX  on XX/XX/year>, my account reflects that this transaction is under dispute. 

Despite my clear request to restore my account balance to the state it was in before this unauthorized transaction, XXXX was unable to provide a satisfactory explanation for why my account balance had not been corrected. 

I believe that the banks actions may be in violation of Regulation Z under the Truth in Lending Act ( XXXX XXXX XXXX ), which prohibits a creditor from taking action to collect on any disputed portion of a transaction or from deducting disputed amounts and related charges from a consumers credit limit while the dispute is under investigation. 

Adding to my concern, on XX/XX/year>, a deposit of {$2400.00} was made into my account. However, instead of being credited to my account balance, this deposit was applied against the disputed transaction amount, which is still under investigation. This action is in direct conflict with the protections provided under Regulation Z.
Product: Checking or savings account

The following accounts were opened as a result of identity theft. 

XXXX, CALIFORNIA ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$1800.00} Closure Status : UNPAID Closure Status Date : XX/XX/year> XXXX, CALIFORNIA ; XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$9800.00} Closure Status : UNPAID Closure Status Date : XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX IL XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$4600.00} Closure Status : UNPAID Closure Status Date : XX/XX/year> BMO BANK N.A . COST CTR XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL XXXX Date of Closure : XX/XX/year> RTN/ACCT # : XXXX / XXXX Original Charge Off Amount : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The address provided below do not belong to me and was use fraudulently to obtain goods and services. I am disputing this address and would like it to be removed from my XXXX, Transunion and XXXX credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX.
Product: Credit reporting or other personal consumer reports

This Account was charged off on the following date : XXXX 2023. Since then the Account has repeatedly been updated as charge off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This Inaccurate Information falsely manipulates the statute of Limitations. You failed to investigate this Account properly after I asked you to do it THREE times which your neglect has violated my rights. I am demanding a Deletion of the Account : XXXX XXXX XXXX Account # : XXXX.
Product: Debt collection

Sunrise credit services sent me a letter attempting to collect a debt on XX/XX/XXXX on behalf of XXXX XXXX  I have told them on many occasions to cease and desist. 


I filed a complaint with cfpb on XX/XX/XXXX, Complaint ID XXXX-XXXX, over their attempt to collect on the same debt.
Product: Credit reporting or other personal consumer reports

I demand proof Transunion contacted the FTC to verify my affidavit and the name and address of the persons contacted to validate the reinstated account or delete this fraudulent account. FCRA 611 15 U.S.C 16811
Product: Checking or savings account

This complaint is in addition to complaint XXXX I have received several calls from chase bank multiply times of the day and evening and I keep telling each representative that my bank account should be under investigation in regards to the fraudulent activity that happened on XX/XX/XXXX and XX/XX/XXXX. I have been a long time customer with Chase and to be treating in such a manner is unbelievable. Each person that calls me tells me the same thing I am sorry but i don't see anything other than the closed claim. This is my primary bank account and now i will not be able to obtain this round of awarded payments for the stimulus because they direct deposit to be taken because of this overdrawn balance. I need to know that someone is handling this complaint and there is some movement towards getting this matter resolved.
Product: Credit reporting or other personal consumer reports

I have an ongoing issue with TransUnion 's reporting of the XXXX XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report. TransUnion has failed to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy. 

The account contains incomplete and inconsistent information, including missing balance details, payment terms, and contradictory payment history. For example, the account shows late payments ( XX/XX/XXXX : 60 days past due ; XX/XX/XXXX : 30 days past due ) despite being listed as " Paid, Closed. '' These inaccuracies render the account unverifiable and misleading. 

I filed multiple disputes with TransUnion, including the following dispute reports : Report Number : XXXX ( XX/XX/XXXX ) Report Number : XXXX ( XX/XX/XXXX ) Report Number : XXXX ( XX/XX/XXXX ) Report Number : XXXX ( XX/XX/XXXX ) Report Number : XXXX ( XX/XX/XXXX ) Report Number : XXXX ( XX/XX/XXXX ) Despite these efforts, TransUnion has failed to correct the errors or provide verification of the account 's accuracy. Their responses have been generic and inadequate, failing to address the specific inaccuracies I identified. 

TransUnion has also violated 15 U.S.C. 1681i ( a ), which requires them to conduct a reasonable reinvestigation of disputed information. They continue to report the same incomplete and inconsistent data, which has caused harm to my creditworthiness, including credit denials, higher financial costs, and emotional distress. 

I request that the CFPB take immediate action to ensure TransUnion complies with the FCRA by : Permanently deleting the XXXX XXXX XXXX XXXX account from my credit report due to its unverifiable and inaccurate nature. 
Conducting a comprehensive audit of their procedures to ensure compliance with 15 U.S.C. 1681e ( b ). 
Providing a written explanation of how they verified the account or why they failed to correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Incorrect Address ( never lived here ) : XXXX XXXX XXXX XXXX XXXX, Fl. XXXX Incorrect Name : XXXX, XXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.