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

On XXXX XXXX 2023 I deposited a check in business account at Bank of America. The receipt stated that my funds would be available on XXXX. The funds never got released. I had an overdraft fee of {$86.00} and the check was deposited to pay that fee to keep the account in good standing. Bank of America has closed the account, leaving me no funds available. The Deposit Agreement Disclosure pamphlet given to me, has no mention of this deceptive act. The unethical maneuver was intentionally left out of Bank of America guidelines, misleading the consumers. This Bank has promulgated a worthless greedy deceptive intrapment maneuver, by using the " Freeze '' option as a front for the account closure. Word play that tricks those consumers who don't read the Deposit Agreement and Disclosure. In addition leaving bank accounts open to collect measly overdraft fees, till consumers Deposit funds then they close your account for at least 6 weeks minimum stating a check will be sent to your address. There is no true overdraft protection. XXXX is when the close of the account " begin '', essentially starving me hard before I get my funds. Taking my money, after I tried to pay them and set it right, How can CFPB allow them to operate in this renegade way not disclosing, deceptive acts, entrapment, violating my rights procedurally, collusion, and creating economic retaliation are also a definite practice.They are so deep in to where they don't even honor their own receipts, And when I call customer services and fraud department the entire staff sound digitronic. The job has removed all human element. That check was a loan from my father 's insurance policy for my bills, Bankofamerica scammed me and I need help swiftly, for every day after XXXX I request {$1000.00}, this is the most ridiculous thing in financial history.
Product: Debt collection

I am providing a summary of events here : - In XXXX of 2023, I contacted XXXX and set up an online account when I changed my apartment in DC. I ended up getting service through XXXX and called XXXX to confirm that I would not have XXXX service installed at my apartment. 
- XXXX removed my online account but I continued to receive erroneous bills every month. And every month I would call XXXX to sort this out. They would verbally confirm that there was no balance and that my location never had service under me but were unable do anything more than tell me this over the phone. 
- On XX/XX/2023 a debt Collection Firm named XXXX, XXXX XXXX XXXX ( hereafter referred to as the " Collection agency '' ) wrote to me to inform that an account under my name was being sent to collections. 
- I requested validation of proof of debt ownership ( which wouldn't exist as I've never had XXXX service ) but they merely sent back a copy of the info on the letter which included incorrect contact information and a copy of the incorrect bills from XXXX today, XX/XX/2023. 
- I called XXXX again on XX/XX/2023 after receiving the collections letter who verbally confirmed I have no account, the account number the collections agency references is not tied to me, and that I have no outstanding debt. When I asked them to provide this in written proof, they refused claiming they could not.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/ ; XXXX XXXX XX/XX/ ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT FOR THE 3RD TIME ON BEHALF OF MYSELF. 

I have been disputing with the bureaus since XX/XX/XXXX, some inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor have they EVER responded within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX and again on XX/XX/XXXX I sent another letter to each of them, demanding they delete the inquiries that I did not authorize. Today is XX/XX/XXXX and I still have absolutely nothing, after SEVEN MONTHS of disputing! No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I pulled my  XXXX  major credit reports from  XXXX . I noticed an account being reported by Navy Federal Credit Union that I had no knowledge or record of. I disputed this account with all  XXXX  agencies under the complaint of " account does not belong to me ''. On or around  XXXX   XXXX ,   XXXX   I received an updated credit report and a summary of the investigation that simply stated "  Information  validated as accurate ''. No reason, method, or support to that statement.     In the updated credit report I found that not only did they not resolve my complaint but they allowed Navy Federal Credit Union to update information on the account from charge-off with a balance of    XXXX    and no late payments to having no high credit limit, a balance of {$2200.00}, a charge off amount of {$2200.00}, re-age the date of last payment from  XXXX  to  XXXX , and tack on  XXXX  reports of 90 days late to account that had a previous balance of {$0.00}.     I then disputed this new information with all  XXXX  credit agencies with the investigation results once again stating  " Information v alidated as accurate '' with out anything to support that statement.     I then proceeded to file a complaint with the BBB against   XXXX   about the matter. However, the BBB did nothing but open up a line of communication with  XXXX . No investigation supporting documents were furnished to support their findings, and they refused to correct the issue.     I then made direct contact with Navy Federal Credit Union. Once I was able to finally get a hold of the right person, after first being sent to the collection department to try and strong arm me into paying on an account that is not mine, they simply gave me the number for   XXXX   and hung up.     I am now in the process of initiate  XXXX  last effort to have the report corrected before I pursue legal advice on handling the matter.
Product: Checking or savings account

I tried to make it to the bank before they closed on Saturday XXXX, 2020. By the time I got around to the drive-thru at Wells Fargo on XXXX XXXX  XXXX, XXXX Tx XXXX. The police told me that I could only use the ATM because the bank was closing. Since I was going to XXXX XXXX XXXX to ride jet ski 's I decided to go head and put the cashiers check in my account through the ATM machine. So when I checked my account on Tuesday it said the funds were not available. This is when I called Wells Fargo at XXXX and the lady that I talked with said that the funds would be held til XXXX because the person that gave me the cashiers check had a returned check. I know my check was for {$7500.00} but ever month before this month I have deposited regular checks from the same person and bank for the last XXXX years. I called the Wells Fargo again on XXXX, XXXX and again on today XX/XX/2020. Today I put my boss who gave me the check on the line so XXXX transferred me to her boss XXXX who told us we need to have his bank call XXXX. This gets even better at XXXX XXXX  when The XXXX  XXXX XXXX opened he called his bank and she gave her number for us when we got Wells Fargo on the line. I had Wells Fargo on the line and we also had the lady from The Bank XXXX XXXX on the line the call went all the to the customer service department. She tried twice to reach the branch where the check was deposited and know answer. They still have my cashiers check and I do not have the funds available. I also learned that they never submitted the cashiers check for funds to be released.
Product: Prepaid card

Beginning in mid-XXXX 2023, Incomm began restricting use of card funds due to new security measures. When a transaction trips their fraud algorithm, the card is declined and locked. Incomm makes no effort to resolve the card security issue by releasing the lock after a certain time period. I have several cards that I've been unsuccessful in using for weeks. 

I've been in touch with XXXX XXXX, a Specialist I, with Incomm to resolve past issues with these cards. But she has stopped replying to my emails, so I again need to resolve this with some help from a regulator. 

The card serial numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach in 2023, due to me filing taxes with a tax company. I was informed to get a annual copy of my credit report. Upon reviewing my credit I noticed a auto loan on my credit. I have never applied for this loan. Per FCRA, unauthorized accounts shall be removed.
-- -XXXX  XXXX XXXX XXXX acct # XXXX opened : XX/XX/year>
Product: Debt collection

Constantly calling my ex husband up to 10 times a day despite hijm telling them it is the wrong number. Contacted them myself as well and asked they no longer call him and they continue
Product: Prepaid card

I was supposed to get my money on the XXXX they won't give it to me cause I don't have a picture ID or birth certificate all my bills are past due fixing to get kicked out of my apartment utilities are getting cut off XXXX XXXX XXXX XXXX  and I'm on XXXX no transportation.help me get my money please thanks alot.direct express is the company
Product: Mortgage

Hurricane Ida XX/XX/XXXX property damage reported to insurance, adjuster came out & never heard anything back. Called Carrington mtg to ask about claim. They rec 'd money from insurance & put it in escrow. I need funds to make repairs. Send out ck in XXXX, but I never rec 'd. XX/XX/XXXX I called mtg never rec 'd ck, they stop pmt on ck & issued new ck. I rec 'd ck & deposited. It bounced because it was 1st ck which had stop pmt I thought it was a new ck. XX/XX/XXXX called back asked for another ck since ck bounced.They were to express check to a physical address, never rec 'd. XX/XX/XXXX rec 'd the 2nd ck at XXXX XXXX XXXX I called mtg co & asked if it was still good, gave the ck #, it was good, I deposited it in XXXX which is bank written on & XXXX said it was no good. XX/XX/XXXX called back told me they stop pmt on XX/XX/XXXX, which is the day they said it was good, waiting funds to go back into escrow ( 15 business days ) then will reissue ck with 3 day label. Phone call from XX/XX/XXXX didn't do anything!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, you advised me that all negative accounts I was disputing had been updated and removed and you removed these accounts from my credit profile. However, on XX/XX/XXXX you reinserted an account and failed to delete several other negative accounts. This was done without proper verification as required by law. Experian has failed to address this matter promptly and accurately as required by law. I have names of Experian representatives I spoke with on several dates saying accounts were to be deleted in four business days according to 15 USC 1681c-2 ( a ). The same accounts being disputed have been removed from XXXX and XXXX report completely, so per Consumer law 15 U.S. Code 1681i ( 5 ) requires the removal of inaccurate information, also Experian is violating 15 U.S. Code 1681 e ( b ), which is Failure to Maintain Maximum Possible Accuracy, Credit reporting agencies must ensure the maximum possible accuracy of the information they report. The presence of inaccurate accounts on my report directly contravenes this mandate. You are violating 15 USC 1681 s-2 ( b ) ( 1 ) ( A ) among other laws. Also Experian reinserted Accounts that were deleted AND HAS NO PROOF OR VALIDATION TO REINSERT. EXPERIAN XXXX SEND INFO TO ME THE CONSUMER OF HOW ACCOUNT WAS VERIFIED. I have mailed and sent in all info and proof of deletions from XXXX and XXXX. I also uploaded all necessary info to Experian and sent certified mail and info was received according to Experian Reps
Product: Credit card or prepaid card

Dear Sir/Madam, Two charges dated XX/XX/XXXX and XXXX, 2020 to XXXX for {$40.00} and {$100.00} are fraudulent and should be removed from the account. These charges were never authorized by me nor by the primary account holder. These charges were removed two months prior by chase following my complaint to chase, and then again appeared on the credit card current statement. 
The phone number listed next to the so called merchant does not even work [ XXXX ]. 
It took me over a dozen calls to Chase, each time after i : repeated the same complaint over and over again and again, Chase told me they have to transfer the call to fraud department which was disconnected. 
Eventually, i : spoke with fraud department today, and they told me that they investigated my complaint and found that that charges were correct, i : questioned them how can it be correct, when the so called merchants phone number does not even work and that it seems to me that someone in Chase fraud department is getting paid off, i : then demanded to speak with a supervisor, the supervisor gave me an email address to complaint to which i : did, XXXX It looks to me that Chase is part of the fraud on me and i : ask CFPB to please interfere and stop Chase 's misconduct. 



XXXX XXXX Tel : XXXX XXXX XXXX
Product: Credit card or prepaid card

Accent Ending : XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, KS XXXX Phone : XXXX SSN : XXXX I disputed a transaction for XXXX {$180.00} which posted on XX/XX/20. My travel plans had to be cancelled due to Covid travel restrictions which should have resulted in a full refund according to the XXXX website refund information. When only a partial refund of {$83.00} was issued, I contacted my credit card company, Citi Cards, to begin the transaction dispute process regarding the additional {$100.00}. 

Citi Card began an investigation and on XX/XX/20 I received an electronic document indicating that Citi had been in correspondence with XXXX which resulted in them confirming that I was due an additional refund of {$100.00}, for which they had already begun to refund process. Citi stated 'If the new credit is not posted, we will reopen the investigation and continue working on your behalf to resolve the issue '. 

On XX/XX/20, after receiving no additional credit from XXXX and no additional information from Citi Card regarding their monitoring of the account or situation, I contacted them to inquire about the status of my dispute. I explained the correspondence I received and the commitment Citi had made to proactively monitor the account for the credit XXXX had confirmed with THEM was still due for the account. The agent was polite and kind and asked that I give it a little more time for them to work on it. 

Now I have received an electronic document XX/XX/20 that states the dispute was found 'not in my favor ' due to my correspondence being received after the requested response date. However, I do not see where anything was requested which was not provided. 

It is my opinion that I received this generic decline letter due to a lack of investigation regarding my case and a failure in due diligence to monitor my account as was promised in the XXXX correspondence. 

When I called in XXXX it was not to open a new dispute but rather to follow up on a dispute which was not being attended to by the credit card issuer. Additionally, the fact that I am only now receiving a notice of resolution indicates that my case was not resolved within the predetermined guidelines for billing disputes. 

I have been and continue to be, an exceptional customer. That being said, I expect exceptional service and have not until now had reason to feel that I was getting less than that from Citibank. I am requesting that this matter be re-reviewed and the {$100.00} credit be issued by Citi due to the company failing to follow up with the credit from XXXX. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

This vehicle was reposed during the time I had a lost was a severe accident which i could was hospital bound and disoriented for months. I contacted Wells Fargo Dealer services at the time when i was able to talk about my situation and advised them due to my XXXX i could not continue to pay for the car because i was out of work. That they would sympathized because prior to the accident i made every payment on time and their car was not involved with the accident. The Representative said i would be taken care but they would have to get the car back but due to the circumstance that would not continue to put it on my credit. I was happy but .. i began to get more ill and when I finally did recover enough to get my affairs in order everything changed when i contacted wellsfargo again. Even they got the car back they are still reporting things on my credit and They were rude and said they have know knowledge of it. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

Please know that I was not late on the mentioned accounts here.. I wonder why Transunion report it as late when in fact payments were processed before the due date. Credit Bureaus wont give me a concrete reason as to why they wont fix the account. CFPB Please step up and fix this for me XXXX   XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX,
Product: Credit card or prepaid card

Every time I make a payment American Express forces me to verify the funds by calling my bank and reviewing my private info by forcing me to call my bank. I feel violated. Its been going on for over 6 months now.
Product: Credit reporting or other personal consumer reports

The company named below has been reporting to the Bureaus that I've had a CHARGED OFF ACCOUNTFIXED RATE since XX/XX/2018. The account shows a joint account ownership. I've even gone in person to find out, and report this fraudulent activity to them, and they refuse to produce any evidence, or documents, etc. 
Their information is listed below. 

AMERICAN HONDA FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm in the process of trying to remove inaccurate information. I recently checked my report, and I noticed that there are inaccurate addresses, inquiries, and collections without my permission. The inquiries are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the consumer Financial Protection act ( CFPA ) .specifically, cash app failed to take timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

There was a breach of information and I believe I was one of them. Ive been getting unsolicited calls from loan companies that I never inquired and I believe there are some credit cards that may have been obtained using leaked information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Credit previously agreed to remove a single missed payment from the consumers credit report. 

Supported documentation of agreement is attached. 

Stated persons credit report displayed/updated, with all 3 credit reporting agencies, in accordance to reflect documented agreement between the individual and Ford Credit. However, Ford Credit has  defaulted to reporting the missed payment. All 3 credit bureaus are, again, reporting a 30-59 day missed payment XX/XX/2018. This in return has compromised consumers credit score. 

Consumer has sent concerned complaint to Ford as well as to all 3 bureaus without resolution.
Product: Money transfer, virtual currency, or money service

Paypal Case ID XXXX In short I sold a phone to a customer on XXXX. I received {$330.00} for this phone through Paypal on XX/XX/XXXX. They told me they'd like to return the phone and I said fine. After I received the phone I planned on returning the phone. I never received the phone. Then Paypal/XXXX   debited my account {$350.00} on XX/XX/XXXX even though I never received the return. Now Paypal is charging me an additional {$370.00}.