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

I opened my savings account at Discover Bank and I transferred all my savings from my current savings account to them. After they received the money they shut my account down, told me there was fraudulent activity, and gave me a number to call them to look into my account. After being on hold for more than 8 hours I was finally able to speak with a specialist and she told me the money would be sent into my previous account immediately but it wasn't. I had to call again and be on hold for more than 4 hours and this time they told me they will be sending a check in between 60-90 days. I then asked to update my address since I will be moving and I will not be able to receive the check by the time they send it. They have transferred me from one department to another for this and are refusing to update my address or explain why they shut down my account the second the money was accepted. They have taken my money and refuse to communicate with me. 

I opened my Discover savings account on XX/XX/XXXX, I transfer XXXX on XX/XX/XXXX and they received the money on XX/XX/XXXX at XXXX am and six hours later they closed my account and refuse to send the money back. 

No one answers the phone, I asked to talk to the supervisor twice and they don't pick up the phone, one agent told me they would cancel the transfer immediately and the other that it will take 90 days, they refuse to update my address for the check to be sent and they are not taking any action on my case. They advised me to talk to my other bank to see if they can recall the transfer since they are not able to do it sooner but they already take and hold all my money.

I am not able to wait for that long for my money to be sent back, those are all my savings, I have bills to pay, rent to cover and expenses to be cover.I need help and they are not helping me in any way. Please help me get my money back I really needed it.
Product: Vehicle loan or lease

Vehicle was illegally repossed. Vehicle was covered with a car cover. The car cover was removed. The repossession agent can't remove or move from the vehicle.
Product: Debt collection

National Credit System # XXXX ( XXXX XXXX XXXX, XXXX, GA XXXX XXXX The XXXX  XXXX Amount of XXXX. In Collection Ive advise the XXXX XXXX send copies the sign leased. Also send me proof of the Identification used. Never received any documentation or documents about the eviction notice or court order to evict. 
Because there was Identification of false record or ID theft fraud have been victim i
Product: Mortgage

I 'm first unsure about the dates because this has been an ongoing ordeal dealing with Beneficial. About 5 years ago I had a loss in income which cut my salary down to a point I could barely support my family. I have XXXX children and I was seeking modification of a home loan at which I was paying and to this day is still paying at an interest rate of 12.12 percent. When I refinanced with Beneficial about 9 years ago I was very naive about the process and the in and outs of the home mortgage industry. I felt at the time I was uneducated in the process and struggling to understand the benefits and process. I know now that that the person that was working with me was thoroughly taking advantage of me. I spent time trying to consolidate my bills and to try to make just one payment to one company. The person gave me no money for the equity in my house but paid all the credit cards I had at the time off ( which totaled about {$4000.00} ). I had pretty good credit and I do n't understand why my interest rate is so high. Throughout this ordeal I found that I was unable to make my mortgage payment once in two different years and I resumed the payments once I was able to. I asked for modification of the loan each time and asked for help on more than one occasion and the company refused to offer any assistance. I did find on my statement that this company has created some account ( Outstanding Deferred Interest Balance ) and doubled my monthly mortgage each time. There was no discussion with me when this account was created. Along with that my mortgage payment has increased each year based on what is owed on my home insurance which is built in. Each year I get a letter telling me my escrow does n't have enough to cover my insurance principal. The letter tells me if I pay a certain amount my mortgage payment will not change. Well I paid the extra money this year and my mortgage payment still went up. This company has n't been very fair with me over the last 9 years although I have paid in good faith even though I now know I was taken advantage of. I tried to refinance my home mortgage last year and found that I 'm in such a hole with the way they have set me up that I was told that in order to refinance that I would have to bring {$20000.00} to the table to be able to refinance. I desperately need help dealing with Beneficial.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( XXXX ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year>XXXX  and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Back ih 2014 A bottled water company did not deliver water and I called and canceled their service. They kept billing me I set up all my accounts on auto pay. I called the company and they refunded to my credit card. One year later they started to bill me for the service I never received and for the money they returned.I called the credit collection company and noticed them of my dispute. Another year passed and yesterday the filled everything again with the credit bureaus. Calling the credit collection company again accomplished nothing
Product: Debt collection

In the past I disputed a collection attempt with Midland Credit Management through the consumer reporting agencies now as of this year 2021 I have been getting court documents for a debt legally Midland doesn't have any rights to.
Product: Debt collection

I have a Judgment that shows as " Satisfied '' on my Credit Report, indicating Asset Acceptance as the Plaintiff. When I contacted the Courthouse ( XXXX County Minnesota ) they reported the judgment was " not satisfied '' or had " not received a " satisfied '' letter ; ultimately providing information to contact a local attorney who was listed on their end as XXXX XXXX ( XXXX ) who has yet to return my call. I later had to contact Asset Acceptance, whom when asked provided the original credit agency as XXXX XXXX and stated it was transferred to a " Law Firm ''. I was then informed that the judgement was not satisfied. Asset Acceptance reported that the information would be with the county courthouse. They could not verify the debt or reported " Judgment '' as they do not sue. Judgment was filed by Asset Acceptance and later in turn released to XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX were unable to verify that I was served with judgment papers and could not tell me when I was allegedly served by XXXX County ( Minnesota ). No information identifying me being served or the nature as to any court documents have since been sent or presented to me.
Product: Vehicle loan or lease

Commerce Bank- they charge a XXXX processing fee that is not disclosed in the terms of the loan provided by the dealership. 
-took 6 phone calls for then to provide the correct steps on where to have my bank send checks so my car payment is accepted. 
-They accepted the first check in XXXX set with my bank for recurring they returned the XXXX checks saying the account can't be found the XXXX check number is XXXX They have attempted to send me to collections for the missed payment. 
On XX/XX/XXXX XXXX sent another recurring payment via check number XXXX, they have yet to process the check. 

This issue falls under XXXX since the fee 's are across all non commerce bank customers. Checking Books are not a normal thing any longer. Most people and business use electronic payments due to safety.
Product: Vehicle loan or lease

On XX/XX/2023, I wrote a letter to BMW Financial Service to dispute the alleged debt associated with the vehicle in question. This letter was received by BMW on the XXXX of XXXX. In this letter, I requested BMW to provide me in writing a copy of the validation of the debt, as well as, the name and address of the original creditor. BMW has failed to do so within 30 days of receiving my request. On XX/XX/, I wrote BMW Financial Services a follow up letter informing them that their failure to comply with FDCPA 15 USC 1692G has made the debt associated with the vehicle invalid. This letter was received on XX/XX/2023. At that time, I request that remedies be made for their failure to comply with the law to which 15 days have been given to do so. Again, BMW has failed to comply with this request. I am filing this complaint due to BMW inability to adhere to the laws identified by the Fair Debt Collection Practice Act which is reviewed by the CFPB that they report into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly ( 60 ) days past due on the XXXX XXXX  partial account number XXXX. ( Please see page 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.
Product: Debt collection

I received a phone call from  Miller Stark Klein and Associates . A representative by the name of  XXXX  contacted me about a charged off account  for   XXXX   XXXX   auto  loan. He informed me of the debt owe and gave me options to pay  XXXX  lump sum or set up a payment plan. As I tried to get more information about the payment, the representative became very rude and aggressive ; which resulted in him disconnecting the call. I contacted the number and requested to speak with a supervisor. I spoke with  XXXX   XXXX  and she listened to the call. After assuring me the employee will be " dealt '' with, she proceeded to offer a lesser amount towards the debt owed. I agreed to pay the amount, in good faith and in hopes of not getting sued, fined or prosecuted. Weeks later, I began getting calls from another company stating they are calling to collect a debt for the same charged off account. I began to do my research because things seemed a bit odd and I find out  Miller Stark Klein  had no legal rights to my account. This has caused majo  XXXX   XXXX   because I 've had to go back and forth with companies about who 's the actual debt collector ; and I had to file a dispute with my bank. This company is using scare tactics to retrieve money on charged off accounts from   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is not reporting my credit on time they reporting a whole month later I pay on time every month they report it the next month which is makin my credit score not approve as it should be! I will like my credit score as it should be! I have them in court also for fraud!
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$920.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

TransUnion & XXXX continue to violate federal consumer protection laws. You are required to do a reasonable investigation. I continually ask for the proof they have completed such investigation to validate the account listed as XXXX XXXX. They instead keep sending the same generic response with no evidence to support their claim. It is my belief they both are violating the law by not doing an investigation at all or my simple request for proof of such verification done should be honored. Since they have had 2 separate occasions to provide me with documentation for their claims this is my final and last attempt. If you do not have the paperwork to back up your claims then I kindly request you delete this collection or please go ahead and pay the arbitration cost as outlined in your service agreement so I may pursue my claims and recover damages you are causing me.
Product: Checking or savings account

Chase bank has sent me a letter to close my personal bank account and when I call in they have no reason why and the letter I received is treating me that they may close my other accounts ( Business and Credit Cards ) and I am and have been current no bad checks etc ... I want to prevent this from happening I have all my credit cards coming out in auto pay this is a disaster. I need help ... If they close my Credit cards ( 2 ) than they are going to tank my credit that I need to conduct my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I asked all three credit bureaus to Verify the information that XXXX XXXXXXXX was reporting on my report, the account is almost 10 years old and should not be reporting anymore and they will not help me with this problem. I have contacted everyone and still no help. 

XXXX XXXX XXXX XXXX Account # XXXX Opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I sent in all required documents to dispute an Identity theft which occured on my personal profile yet I received nothing in return for any of the major XXXX XXXX XXXX, I am at a lost of how to resolve this issue as this theft has ruin my life.
Product: Debt collection

Reached out to creditor requesting information regarding this collection. I was not provided any bill, contract, or document indicating that this debt is own by me. I have been trying to have this matter resolved and need assistance. This has affected my personal life and credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX {$600.00} I have contacted Experian. They told me to file a police report. When I went to the police station I was told that the company XXXX XXXX was a collection agency. Meaning someone that makes up or buys peoples debt. Stealing information and putting someone else 's debt on me. While stealing my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX Balance : {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am a victim of Identity theft. I have provided proof of my ID Identity theft report from the Federal Trade Commission and a notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all the qualifications under 15 USC 1681c-2 for Blocking and Removal of the information on my consumer report. You must comply with the law.
Product: Debt collection

I received a credit report notification for a new account and it was a debt collector. Not only have I never received a bill from the original creditor for any amount owed. I never received a notification of this debt from the debt collector therefore I could not dispute this debt. I am very certain I do not owe this debt as I have never received any bill, nor notification. Furthermore I believe this violates the Fair Debt Collection Practices Act section 15 U.S. Code 1692g.
Product: Checking or savings account

Fees charged for Check Image Statement after conversion to Huntington Bank XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call XX/XX/XXXX {$2.00} XX/XX/XXXX {$2.00} reversed via phone call Told bank this is a reoccurring issue ; each month different excuse. 
Told bank I was filing a complaint.
Product: Credit reporting or other personal consumer reports

I ask for proof that this an account of mine. Which I The card in question is the same card that I have been using for several months. I think. I do not have any other card. The card is another card. I asked Spring Oats Capital to send me proof of the account. Well the sent me someone else information for the card in question. This person lives in a different state. The person is male. Spring Oats Capital said I am the person in question. They said I owe the {$710.00}. The amount I owe on my card is less than {$400.00}.
Product: Checking or savings account

On XX/XX/XXXX I deposited a check for {$6700.00} into CitiBank. A check for rent from a tenant. 
I called the bank on XXXX and they said the funds will be available on the next business day. 
I called on XXXX and they said they will be available tomorrow. 
I called on XXXX they said they will be available on XX/XX/XXXX. 
I havent received any written communication to support this. 

On XX/XX/XXXX The branch manger told me to get proof the funds have cleared the tenants account. The tenant confirmed the balance has been taken out of the tenants account on XXXX. I emailed the branch manager and ccd the tenant. 

I will attach a copy of last months rent deposit and an older check from XXXX I deposited remotely and the email to the manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX 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 XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance XXXX {$350.00}