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

My previous CFPB and XXXX  complaints about my card being blocked from Apple Pay were responded to by US Bank with a phone number for XXXX XXXX XXXX XXXX. 

I called the number to finally get my card added and was told my entire account is under review and it had nothing to do with the XXXX XXXX situation. When the representative couldnt provide any more details about what this means, I was transferred to manager XXXX ( XXXX ID # XXXX ) who was immediately combative on the phone, overtalking me and not attempting to assist at all. Right after I got off the phone with XXXX, my debit card was suspended and removed from my US Bank app completely. 

Im continuously dealing with issues when attempting to do normal, simple things like using my US Bank debit card or adding it to XXXX XXXX. When I call customer service to get it resolved, the representatives never know whats going on and I always get to a very rude supervisor who attempts to argue with me and proceeds to suspend my debit card. 

This is the second time this exact situation is happening - supervisor XXXX suspended my debit card the same way as reported in my previous complaint when I couldnt use my debit card. 

After hours more of phone calls and waiting on hold to get to different departments, Im still being told that a specialist needs to call me directly with absolutely no additional details provided. I have no idea when this block was placed or why, how long it will take for a specialist to contact me ( Ive never had a request like this actually fulfilled by US bank ), and what wouldve happened if I put money in my account or attempted to use it for something important. 

Dealing with this bank has been a headache from the start, I can barely make a transaction and Im constantly on the phone trying to resolve problems I wouldnt have at a more established bank. Overall a joke of an experience with very very low-grade supervisors answering customer calls.
Product: Money transfer, virtual currency, or money service

I am writng to formally experess my concerns regarding Zelle 's handling of my disputes, particularly in light of the recent CFPB lawsuit hughlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepencies, my financial institute 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. This lack of accountability and trasparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

After bank of America changed online access security ; I attempted to pay my monthly statement online. And, I was not able to access the account online. I called Bank of America to pay the monthly minimum, when the agent informed my social security number did not match what Bank of America had on file. I informed the agent the number I was giving the agent was correct. However, the agent informed he was unable to accept the payment. The agent informed I would need to download a form from the website and send the completed form to Bank of America. I also went to a branch to pay my account. However, I was told the account could not be retrieved with the social security I presented. I completed the recommended forms twice. Currently, Bank of America is assessing the account late fees, over-the-limit fees. This situation has been going on since XX/XX/2017. Now, I am receiving letters from Bank of America threatening to charge off the account. And, Bank of America has submitted negative credit reports to the credit bureaus.
Product: Debt collection

I wanted to obtain an auto loan and was informed of the account on my credit report. I was informed of the auto loan on my report due to denial of the loan. My information was exposed in a XXXX and XXXX XXXX data breach. The loan was obtained around XXXX XXXX XXXX
Product: Debt collection

I have mailed out dispute letters regarding all accounts that are a result of identity theft on XX/XX/year>. Followed by An FTC report. All companies listed below have failed to provide me with proof of ownership of this debt, and proof of my signature allowing these companies to sell my information illegally to other companies not authorized by me. 
These accounts are a result of Identity Theft and must be removed from my credit report, as that debt is not mine.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX
Product: Checking or savings account

Chase bank hasnt provided my provisional credits and processed all of my disputes from unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am formally disputing the recent update to my credit report on XX/XX/year>, regarding the XXXX XXXX XXXX  XXXX account and requesting a re-investigation of all reported details. First, I dispute the balance of {$6100.00}, which exceeds the original credit limit of {$5000.00}. This reporting is inaccurate and misleading, reflecting a 124 % utilization rate, even though the account is marked as charged off. Under FCRA 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure maximum possible accuracy, and this discrepancy should be corrected or removed. Additionally, I challenge XXXX XXXX 's status as the creditor. I do not acknowledge this debt and request proof of XXXX XXXX  legal right to report this debt, specifically a valid contractual agreement containing my full signature that establishes my obligation to repay the debt. Without such documentation, this reporting violates FCRA 15 U.S.C. 1681s-2 ( b ), which mandates that only accurate and verifiable information can be furnished by a creditor. I also dispute the current payment status, marked as Charge-off with a past due amount of {$6100.00}, since this account was closed. No additional payments should be marked as past due, making this reporting inaccurate under FCRA 15 U.S.C. 1681i. Moreover, the worst payment status is listed as charge-off, but the payment history shows significant inconsistency, violating FCRA 15 U.S.C. 1681c, and should be corrected or removed. Lastly, I dispute the remarks, stating " Charged off account ; Account closed by credit grantor, '' as these are misleading and should be removed in compliance with FCRA 15 U.S.C. 1681s-2. I request a full re-investigation of all account details, including the balance, creditor status, payment status, and remarks. Please provide written confirmation of the results of your investigation, along with a valid contractual agreement containing my full signature if this debt is valid.
Product: Credit card or prepaid card

On XX/XX/XXXX, I accidentally sent a payment to a closed Discovery Card account through a bank transfer. I notified them of this and they issued me a check in refund and deposited it. On XX/XX/XXXX, I revived a statement for the closed account showing a zero balance. On XX/XX/XXXX, I received a statement of {$270.00} balance on the closed account that they were attempting to collect. I have made no purchases on this account since XX/XX/XXXX. I sent a letter to contest the validity of the debt before the end of XX/XX/XXXX and have not received a response as of XX/XX/XXXX.

I received a statement with a {$290.00} balance on XX/XX/XXXX, and they have reported a non-payment to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached and my dispute letter with my ID
Product: Checking or savings account

On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from my account.
Product: Checking or savings account

Citibank has been failing to make recurring payments from my account to XXXX XXXX the credit card company this month. 
I keep seeing unauthorized charges on my account as well as double payments to XXXX. XXXX claims they did not make a {$25.00} payment on my account. It later fell off, but it caused problems with my account being overdrafted. 
XXXX XXXX tried to make a credit to my account and Cit Bank refused it, because they say that my account was blocked due to non-sufficient funds, which was caused by unauthorized and double payments to merchants. The payment from XXXX XXXX would have taken my account out of the negative CitiBank is mismanaging my account every month and causing my account to be over-drawn. 
I'm asking for a full investigation
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, a friend wanted to send me {$180.00} via VENMO, I had just set up an account roughly a day or so before that, I followed the steps per the app, listing my card information. However, after the money showed up in my " Wallet '' I was unable to transfer to my card. I called my cardholder they had no idea what could be the problem, but suggested I do it as a bank transfer. So I added the bank routing information and the account number and was told I would see two transfers on XX/XX/XXXX. On XX/XX/XXXX two pending items showed for XXXX amounts, I tried entering those amounts but the system wouldn't take them. I tried requesting help, ultimately I called. Finally, on XX/XX/XXXX a XXXX and a XXXX transfer occurred I went back into the system and verified my bank account. I received an email XX/XX/XXXX, that confirmed my bank verification. I again attempted to transfer my funds only to then receive a request dated that day for a Photo ID, along with a statement the account was frozen. I followed the email instructions on the very next day, Monday XX/XX/XXXX, I then called to make sure allowing for time to confirm, that the did in fact receive it, as they use a link service to have you send it. I was told nope, I would need to resend. So I again resent my id, only this time I screenshot the link page verifying they received the communication. Now mind you I was told my case was being expedited previously. I called back on the XXXX, and was told to give it 6-7 days for the " account specialist '' to review. I received a request for Customer Service Surveys, which I filled out honestly, a statement of activity for a timeframe prior to my account existing, I logged in a few times to see if it was resolved to no avail. On XX/XX/XXXX I once again called to be told to " give it one more day '', I asked several questions as to exactly what happens if nothing happens, which basically is what Venmo 's Customer Service is a glorified can't do much dept. And then bang at XXXX on the XXXX ( XXXX minutes after you can no longer call ) I received and email stating my account has been permanently terminated for reasons only they know, because I somehow violated the user agreement, thank you XXXX XXXX No here is how to request your funds, here is what to do NOTHING! I only found this by locating a TV station that had tried to help others in my situation. I have all my emails and screenshots, I live on social security as I am a XXXX old, retired XXXX ( I have XXXX as well as XXXX, and other health complications ) person living on minimal income the funds in question represent 10 % of my monthly income, I would appreciate help in resolving this matter... I can be reached at XXXX. Thanking you in advance
Product: Debt collection

I am writing to formally dispute the accuracy of the information reported on my accounts, specifically Account Number : XXXX. Below are the details of the discrepancies I have identified : Account Details : Account 1 : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account 2 : Experian Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Account XXXX : XXXX Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Balance Owed : {$2900.00} ( Inaccurate ) Last Reported : XX/XX/XXXX ( Inaccurate ) Dispute Details : The balance owed on all three accounts is reported as {$2900.00}, which I believe is incorrect. 
The reporting dates for these accounts are inconsistent with my records. 
I have previously disputed these inaccuracies, but they have not yet been resolved. I kindly request that you review and correct the following : Update the balance owed to reflect the accurate amount. 
Correct any inaccuracies in the reporting dates and account status. 
Please provide me with a written confirmation of the resolution once these corrections have been made. If you require any further documentation or information from me to process this request, please let me know. 

Thank you for your prompt attention to this matter. 

Sincerely,
Product: Credit card

CitiCards said they were going to do a " soft pull '' when I asked for a credit line increase but they did a " hard pull '' and it is now on my credt report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} 15 U.S. Code 1692e - False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt Without limiting the general application of the foregoing, the following conduct is a violation of this section 15 U.S. Code 1692k - Civil liability Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of INQUIRY REMOVAL BELOW XXXX, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX To whom it may concern you have violated my rights under the FCRA. 

On ( XXXX ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( XXXX ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 


Late payments ACCOUNTS : Need removed BELOW. 



XXXX XXXX with account number XXXX Remove due to inaccuracy - I never agreed to this XXXX XXXX I owe no debt this company is violating my rights to privacy pursuant 1681b 2 company has no permission to report anything using my info pursuant to 15 usc 1681.4 Enclosed are the accounts that you failed to mark a " Notice of Dispute ''. Please delete these accounts from my credit report. 

Thank you for your time and attention to this matter. 

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

I just discovered this yesterday : My credit report shows a XXXX address ; lifelong XXXX resident. Student loans from XXXX that I was trying to make good on through the XXXX, were transferred to service provider GC Services. They made XXXX successful attempts to contact me declaring themselves the owner of my loan ; thought they were picked up by XXXX with the rest of my loans ... I was wrong. 
XXXX address was garnered by GC Services via XXXX XXXX XXXX XXXX no need to skip trace me ... still at same address ). The address was adopted to my credit report and thus adopted by my XXXX XXXX XXXX XXXX, XXXX account and still learning more ... 
XXXX is a function of XXXX. The address was added to my XXXX credit report XXXX/XXXX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX collected from XXXX, a division of XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX gave the information to XXXX  They act like I am talking about area XXXX when I bring up XXXX. 
There was absolutely no reason to skip trace and/or change my address. This is systemic problem that occurs too frequently with full plausible deniability on the loan servicers ' part. They just send the bill to the wrong address and tell me it is my responsibility to keep my address up to date with the XXXX. It was until they changed it ... ..XXXX admitted to the practice of providing information that XXXX not be accurate and provides full disclaimer and disclosure that the information they provide is to be used at the risk of the user, that would be GC Services in this case. 

The scam is this : the student loan contracted by XXXX  makes a singular attempt to reach the owner of newly acquired loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. they barely satisfy the minimum requirement to inform the consumer of their new responsibility that is not a choice BTW. The default happens soo fast and they ca n't wait to sell you a rehabilitation plan that they get paid a commission upon successful completion. This serves as an economic engine of millions of students making 'rehab ' payments and tacking on fees and interest. All the while, the loan service ca n't wait to reset the clock if miss a penny. 
My first conversation with XXXX several years ago and XXXX XXXX yesterday was " who are you? '' ... '' we own your loan, its in default, would you like a rehabilitation plan? ". The opportunity to pay the loan on time is often so obscure and this is on purpose. This is a very well ingrained scam where everyone but the consumer is getting a cut. 
I look forward to your response. 
Thank you
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 XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX XXXX Account name : # XXXX XXXX  XXXX Account Name : # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, US Sept. of Education 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 an 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, other than records of convictions of crimes which antedates the report more than XXXX 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: Mortgage

GMAC filed bankruptcy and sold our loan off. Ocwen financial now services it. XXXX years ago they showed us at XXXX on line for our loan. I set it up for auto pay bi monthly to pay it off faster. since then the amount has gone up to XXXX and yet we have not been late once nor have we missed any payments.
Product: Credit card

The account was closed after being paid in full. I called apple to confirm everything the account was settled and had no pending charges. Apple then charged a fee and didn't notify me until after 30 days. They sent a letter and the fee was paid over the phone. the late payment was reported to the credit bureaus and i believe it is retaliation over closing the account. i have tried to call apple multiple times and they were not helpful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting rolling multiple lates on my account. I have not received any statements or any phone calls from Innovate to inform me of any lates. I thought my payments were being made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, XXXX, XXXX XXXX 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 an account without my written instructions this is not me once again however I keep getting these negative reports and it's hurting my credit
Product: Credit reporting or other personal consumer reports

I currently have some fraudulent accounts Appearing on my credit report.