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

XX/XX/2020 I was refused my money from the by XXXX XXXX ( financial relationship specialist ) that said, thats to much for me to ok. Let me get my manager. XXXX XXXX XXXX ( Branch manager ) told me, I got your {$10000.00} but your going to have to prove that your XXXX XXXX. Note, that I had already taken out {$5000.00} a week earlier. I had to leave & go get my paperwork to prove that I XXXX XXXX XXXX which I did. They didnt need to check this earlier! Ive been with Regions Bank ( XXXX XXXX XXXX XXXX. XXXX, Texas XXXX ) for years, taking out loans that I paid off for the big rig that I XXXX. I believe I was XXXX profiled or they didnt follow their own protection policies because Regions didnt check all of this the first time! I feel I was being called a lie or cheat for no reason. Branch manager said, we have lost a lot of money on these loans. 
I was put in increased risk for COVID-19 for the extra touching of items to prove something that didnt need proving. I didnt get to my business after being treated unfairly & disrespected for no reason than I didnt look the part. 
I file a complaint with Regions Bank. I talked to XXXX & XXXX on the complaint line they took my complaint but said, I cant let you know the outcome but you have my empathy!
Product: Bank account or service

This morning, Saturday, XXXX XXXX, 2015, I called customer service at ( XXXX ) XXXX and learned that U.S. Bank 's policy is to opt customers into overdraft protection by default ; customers are expected to explicitly opt out. Interestingly, during the automated review of the status of my account, which I completed just before speaking to the U.S. Bank representative, the teleprompt indicated that I did not have overdraft protection on my account. I mentioned to the U.S. Bank customer service representative that I did not recall this being pointed out to me during the account onboarding process. The representative 's response was that I should contact the member who opened my account or the branch manager. I asked the representative to remove the unwanted overdraft protection, and after trying to discourage me, he finally removed the overdraft protection, at least that is what was indicated to me. I was advised that it would take 2 business days to remove the overdraft protection. Additionally, my request for a courtesy credit of the fees incurred to date, of which there is a total of {$340.00}, was denied.
Product: Mortgage

On XXXX of 2023 I sent up automatic payments for my mortgage with Wells Fargo Home Mortgage. Providing bank statement to prove this. In XXXX of 2023 I received a letter from Wells Fargo Home Mortgage stating I was behind on my payments. I looked at my bank statement and see Automatic Home Mortgage payment XX/XX/XXXX of 2023. Auto payment was not made on XX/XX/2023. I did not stop the automatic payment. It looks like Wells Fargo stopped the automatic payment. I called Wells Fargo about this and they said I was never setup for auto payment. I then asked what does it mean then on my bank statement. Wells Fargo did not have an answer for me about what this means. I then went to the Attorneys Generals office of MN for some help. Wells Fargo responded and still maintains that I was not setup for automatic payments. Wells Fargo also is still avoiding to answer the question " What does it mean on my bank statement Auto Payment Wells Fargo Home Mortgage? '' What is even more concerning then is why did Wells Fargo Home Mortgage auto draft a payment if I was not setup for automatic payment according to Wells Fargo. I was making my payments early and so it does not show auto pay until I stopped making them early, which would be XXXX of 2023. Then the auto payment shows back up in XXXX of 2023. Then it looks like Wells Fargo decided to stop the auto payment.
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 four 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 XXXX, XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$9500.00} ; XXXX XXXX XXXX Balance : {$6800.00} ; XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} ; XXXX XXXX XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$290.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$9500.00}
Product: Money transfer, virtual currency, or money service

Cashapp never responded to my complaints and just closed my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On my Experan Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX  XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX  ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX  XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you
Product: Checking or savings account

Some one has stolen my identity and changed my SSA check from my savings account to my checking account. My checking account keeps getting hacked and hit with all types of charges. They have also taken my XXXX XXXX XXXX Records and I believe they will commit fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Capital one card about a late payment back in  XXXX  and  XXXX  of  XXXX . I called in  XXXX   XXXX  and wrote a letter in  XXXX   XXXX  after I realized this was listed on my report and asked for it to be removed as I was a victim of fraud with my checking account and had to close account out and it affected making my payments despite the reasonable case that I made, the creditor is acting unreasonably.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( XXXX ) Appropriate proof of the identity of the consumer ; ( XXXX ) A copy of an identity theft report ; ( XXXX ) The identification of such information by the consumer ; and ( XXXX ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$8300.00}, XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1300.00}, XXXX XXXX XXXX XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$1100.00}, XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$680.00}, and XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX DATE OPENED XXXX XXXX, XXXX BALANCE {$0.00}.
Product: Mortgage

I refinanced my VA loan with XXXX XXXX XXXX XXXX in XXXX of XXXX at 2.75 %. It cost me about $ XXXX to do the refinance, but it was worth it as the rate came down significantly. XXXX XXXX then sold or transferred the loan to Freedom Mortgage Company. A loan officer called me on XX/XX/XXXX from XXXX asking me to " call as soon as I can '' regrading my mortgage. I called him right away - assuming that something was wrong or there was some kind of problem. It turns out he was just trying to get me to refi again. I mentioned that this seemed like " churning '' as I literally refinanced less that XXXX year ago and that the rates are about the same right now ( in fact, current VA rates are a little higher than my existing rate ). I told him it was unethical to call me to do a refi in these conditions, and that he should have made clear in his message that it was a sales call. I asked that he not call me any more and that in the future if I wanted to refinance I would initiate it. He called me again the very next day - leaving a message to see " if I had any more thoughts '' about refinancing. So ... I am making this report because I want them to leave me alone - AND it seems obvious that trying to get someone to refinance a mere XXXX  months from a refi is textbook churning - it would not be in my financial interest and would only generate commissions and fees for his company.
Product: Checking or savings account

Bank of America is reporting me as suspected fraud on XXXX and XXXX XXXX because of that I am unable to open a checking account. I have been trying to open an account because in two years I would like to try and buy a house. That negative remark stays on your account for seven years. I wrote a letter to the Office of The President if they could stop reporting this. I was transferred to a department and the customer service rep was condescending and rude. I tried to explain my situation. I do not owe the bank any money, whatever I did wrong it was paid so they should stop reporting it.
Product: Credit reporting

I had two Federal Tax Liens filed against me. I have worked extensively with the IRS and XXXX County Court Clerk to resolve this issue. Consequently, the IRS has issued WITHDRAWAL OF TAX LIEN for both tax liens. The XXXX County Court Clerk has recorded both tax liens as ( WTL ) WITHDRAWAL OF TAX LIEN. However I ca n't get EQUIFAX to report these items correctly on my credit report. This is very frustrating. I have worked hard to correct my credit and I have. But I ca n't get EQUIFAX to report them correctly on the credit report. The other XXXX ( XXXX ) major credit bureau 's were competent and prompt in deleting the tax liens from their credit report. But for some reason, EQUIFAX refuses to report credit correctly.
Product: Credit reporting or other personal consumer reports

FCRA Violations Not mine not my credit cards XXXXXXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$24000.00} XXXX Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1500.00} Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8000.00} Status Account charged off. {$8000.00} written off. {$2700.00} past due as of XX/XX/XXXX. 
never lived here XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX  family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX family not my phone number ( XXXX ) XXXX ( XXXX ) XXXX not my names XXXX XXXX XXXX XXXX XXXX XXXX XXXX not my inquiries XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my XXXX report, XXXX XXXX alerted me to new accounts opened in my name and affects my credit and I have never applied for them, and they do not respond to me The accounts are : XXXX XXXX / XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/ XXXX, XXXX XXXX XXXX. They are using my information to make fraud with my social security and affecting my credit. COMENITY CAPITAL BANK MY P.
Product: Checking or savings account

Starting XX/XX/2023 my partner and I had started the process of accessing this account, which belongs to my father. ( He is unwell and moved to assisted living. ) We obtained a POA and have been using it since XXXX to get my father 's financial affairs in order. This bank has dragged its feet every step of the way and took months to even read the XXXX and accept it. On XX/XX/XXXX, almost three months later of back and forth, they have accepted the XXXX but say it only gives me the power to change his address and order checks. They will not let me get online access to the account, issue a debit card, or close the account. I can not even see what's in it or coming out. They want a notarized letter to do any of that. That is not how the POA works. My father 's other bank, XXXX XXXX, accepted the XXXX in a week and granted me full access which is what the XXXX does. Every other account, from banks, retirement accounts, pension, debt collectors, and utilities has accepted the POA except for this bank, United Community. 

Like I said, they have dragged this on since XXXX. It's hard to get them by email or phone and there are no branches near me. They are going against a notarized POA and what it lays out and says. They are telling me to get a notarized letter which doesn't make sense. In telling me that, they also said to make sure any recurring charges are handled, and when I asked how I'm supposed to do that without having access to the account, they ignored me. 

I have no idea what's happening to my father 's money in that account. Neither does he because he can't access it and keeps forgetting that he even has it. It has money in it and recurring charges. Are any of them fraud? Is it over drafting the account? Is it junk he doesn't need? I don't know because they're ignoring my POA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first time attempting to get my credit report from Experian through XXXX. 

I fill out the online form and when I submit, I receive the following message : " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. 
To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX Request form. '' My credit score has dropped significantly and I'm noticing strange debt in my credit card report. This service is offered freely for us tax payers, and I thank the US government for that. However, Experian should be accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are Unauthorized HARD Inquiries on my Credit Report. Please I am asking for assistance to remove them. I am trying to buy my first home and these are a problem for me. Please help me. They are all on my XXXX XXXX and Experian reports I would NOT have given the Authorization to run my Credit in multiple sequence as such such as I know very well the Negative impact that it can have on me. I really need your help with this. I have called multiple times and all I do is get a Voice Tree that never takes me to a Live Human whom I can Speak with, I get cut off as they are asking for information that I do not have and would not have had as I do n't have an account with them, the few times I do get a Live person they do n't know who to transfer me to. Please Help me Thank You. 

Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of Company-XXXX Inquiry Added XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company- XXXX-Date Inquiry Date -XX/XX/XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Name of Company-XXXX -Inquiry Date-XX/XX/XXXX XXXX  XXXX, CA XXXX ( XXXX XXXX XXXX Name of Company - XXXX XXXX I -Date Added-XX/XX/XXXX XXXX  XXXX I XXXX, MN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Date Added- XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX Inquiry Date-XX/XX/XXXX XXXX XXXX  XXXX, IN XXXX ( XXXX ) XXXX Name of Company - XXXX XXXX XXXX Inquiry Date- XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Name of Company XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Name of Company XXXX XXXX XXXX XXXX- Inquiry Added XX/XX/XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX Name of CompanyXXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Name of Company - XXXX XXXX XXXX Inquiry Added XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX/XX/XX/XXXX XXXX -Inquiry Added Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquires XX/XX/XXXX & XX/XX/XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion, XXXX, XXXX 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 an account opened at XXXX XXXX XXXX ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX  ( account # XXXX ) Date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) date opened XXXX XXXX, XXXX XXXX XXXX account # XXXX ) opened. This account ( s ) has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 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: Debt collection

This account was resulting from identity theft and disputed and removed previously now its cycling back on my credit reports. I would like the account to be deleted from all three of my credit reports. XXXX, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXX XXXX Account Number : XXXX Please delete from my credit report immediately 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX XXXXXXXX Account Number : XXXX Please delete from my credit report immediately 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is in violation and not reporting accurate. 
XXXX XXXX Account Number : XXXX Please delete from my credit report immediately Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Consumer Financial Protection Bureau CC : Attorney General 's Office CC : State Senate CC : Federal Deposit Insurance Corporation CC : Controller of the Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency Please see the attached file.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXXXXXX and I do not have a contract with FINANCE SYS plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$50.00}
Product: Credit reporting or other personal consumer reports

Dear Sir or Madam : I am a XXXX  citizen and XXXX XXXX I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The account is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX  XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX {$130000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXX