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

Applied for the Huntington Bank checking account on XX/XX/2020 Approximately {$15000.00} was deposited in line with an account sign up bonus for {$500.00} that required a deposit of at least {$15000.00} A bank account ( acct # XXXX ) was linked to make the inbound deposit A second bank account ( act # XXXX ) belonging to me was linked ( and verified with trial deposits ) to allow for money movement between my main accounts. 
On approximately XX/XX/2020 I initiated an electronic withdraw in the amount of {$15000.00} to my second account ( act # XXXX ) at an external bank. This withdrawal was blocked by Huntington Bank and a hold place on my account. I have follow up several times, about every other business day, with the bank customer service reps to determine how to remove the hold and I offered to provide further documentation if any was required. 
Each time they suggested I step into a branch location. 
Given that I opened the account online, the bank only has branches in Ohio and the ongoing pandemic it didnt make any sense to require me to drive 9 hours across state lines to show up in person. I offered to send documentation or to simply have them close the account and send my money back. 
I escalated to managers to no resolution. 
The bank continues to hold my money ( approx {$15000.00} ) hostage from me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several accounts that l believe to be fraudulent and have negatively impacted my credit report. Below is a detailed list of the accounts in question 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 XXXXXXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. ese accounts and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Checking or savings account

Funds were wired to an XXXX bank account in the XXXX XXXX which was closed. Funds have not been returned to our account. We have exhausted all options with Bank of America. 
1. USD XXXX were wired to our vendor in the XXXX XXXX on XXXX XX/XX/2022. 
2. We immediately realized the account was closed and contacted Bank of America of the error within 8 hours. 
3. We have contacted XXXX in the XXXX XXXX. They say that account was closed and they have no record of receiving the funds. 
4. We have contacted Bank of America several times regarding returning the funds. The funds still have not been returned. We have contacted the wire transfer department and our branch manager to no avail.
Product: Checking or savings account

I wrote a check to myself in the full amount of my paycheck of {$1800.00}. and made a mobile deposit on XX/XX/2020. The funds were supposed to be available the next business day XX/XX/2020. The following business day when my funds should have been available instead there was a hold placed on my account with the following description : ( FM Deposit Hold-See SM ). 

I wrote the check to ensure that it met the minimum balance requirements of this account to avoid a fee until I'm able to have my paychecks directly deposited into my account. The check has been paid by the bank the check has come from but I still have a hold on my account for that check, and was told by your company that the duration of that hold will be 6 business days, which ensures that the earliest amount of time the funds would become available will span between 2 business weeks. I have absolutely no money. We are living in times where we fear every day for our health, financial security, and overall well being. Rent is due the XXXX  of the month and this situation places a greater burden on me that adds to the stress we already endure.
Product: Credit card or prepaid card

On XX/XX/2022, I received an offer to settle my Indigo MasterCard account with Genesis Financial Solutions , Inc. for a sum of {$230.00}. I had an outstanding balance of {$650.00}. I knew that I wouldnt be able to afford to make a payment but the due date of XX/XX/2022, as is shown in the attached screenshot. Upon speaking with an agent, they informed me that I could make it past this date to close this account. 

On XX/XX/2022, I made a payment of {$230.00}. I spoke with an agent named XXXX, who informed me that this account would be shown as closed and settled. The confirmation number for this payment is XXXX. 

Unfortunately, I was then informed ( after XXXX business days and seeing this account still shown as open on my credit report ), that that payment was simply put toward the overall balance and not put toward closing my account. I was told, verbatim, that my account would be closed by XXXX, the representative. 

Furthermore, upon speaking with another representative after the XXXX days, I was lied to by the next representative I spoke to, and she said she didnt recognize the name XXXX. 

It is clear that this company is engaging in fraud and fraudulent tactics.
Product: Consumer Loan

I made a payment on XX/XX/XXXX. They have not credited my account in such a way that I can use the card. I made a {$570.00} payment on XX/XX/XXXX. Synchrony Bank /Paypal Master Card has acknowledged they received the payment however are not allowing me to use the credit because they say there is an investigation into this payment. I spoke to a representative on XX/XX/XXXX who told me it was an " investigation '' but would not give me any details. He told me it would be released in two days. After two days I contacted a supervisor who told me it would be released today XX/XX/XXXX. That has not happened. My issue is simply after making 11 months of payment I do not understand why they would investigage this payment. I have enjoyed 11 months of receiving NEXT DAY credit for my payment until without warning Synchrony Bank / Paypal Master Card changes the policy.
Product: Debt collection

I XXXX XXXX paid my last collection today that was a debt sold to Portfolio Recovery Associates. The debt I paid off on a negotiated  settlement was originally owned by XXXX, XXXX, and the timeline for a legal collection purpose existed. However, upon a discussion with Portfolio Recovery Associates with my attorney on a conference call with me, it was determined that another collection that was originally  owned by XXXX XXXX Nevada, NA actually defaulted back in 2012. So it was determined that Portfolio Recovery Associates acquired a debt that was not valid. Accordingly, this collection should have never been reported on  any credit bureau. Therefore, I respectfully request through the Consumer Financial Protection Bureau that this item be removed from all credit bureaus immediately and permanently. XXXX XXXX
Product: Credit card

On XX/XX/year>XXXX  at approximately XXXX, I received four emails total, two from Capital One and two from XXXX XXXX. Although I am a Capital One customer, I noticed these emails were sent to another email that is not associated with my Capital One profile. I immediately opened these emails and the Capital One email mentioned my email was updated to the account, that the XXXX XXXX this person applied for was approved, and that the card will arrived in 7-10 business days. I tried to access the documents to try and see any information but it kept telling me the information was incorrect. The XXXX XXXX emails were about the inquiries and hard credit check. 

At XXXX, I called Capital One. I spoke to multiple people but eventually ended up at the fraud department. I was told there was nothing they could do nor could they give me any information because they could not access the account. They informed me to report it to the credit bureaus, put a fraud alert out there, and also to report the identity theft, after that call ended I did just that. 

On XX/XX/XXXX, I called Capital One again. They still could not help me. I was extremely frustrated because I do not understand why someone can get approved for a credit card using someone else 's information. Companies that handle extremely sensitive information and use this sensitive information to approve or deny credit cards like Capital One, should have the person applying for their products prove and provide evidence of identity BEFORE getting approved for a credit card. 

My social security number is compromised and I am terrified of what is to come I am not sure how they obtained it nor do I know if it's one person or multiple people that have it and I am sure I will never know, which is scary. I am XXXX XXXX years old and I have been trying to build my credit and flourish financially for not only myself but my family and our future as well. 

As of XX/XX/year>, I have done all that you can do in two days to report and dispute this unauthorized occurrence with Capital One, credit bureaus, and local police department. My local police department recommended me to investigate further before making a report because right now there's not any information to go off of. I believe that any company should be able to access any information especially when it was a fraudulent application and approval. My financial and successful future that I've worked very hard to build so far could be in jeopardy due to my name and social security number being unknowingly compromised and approved for things I did not authorize. All because companies like Capital One seem to care more about getting more things approved for their benefit than protecting the real people these fraudsters are pretending to be. 

I feel violated, helpless, and extremely scared.
Product: Mortgage

I have try to modify my mortgage 5 time since XX/XX/2019 the only thing they offer is short sale or deed in lieu been in a forbearance Plan but there no willing to work with me.
Product: Checking or savings account

Hello. This added information might be helpful to the original complaint I made on the telephone this morning. About XXXX months ago I applied for a construction bank loan ; I was told that I needed to submit them my last year 's tax information to be granted the loan. For that reason after searching the internet for a qualified source I found a company with someone who called himself XXXX said he would prepare me the required tax documents if I could email him my bank statements for the last last XXXX  months .That is exactly what I did. He said since he had a real estate background he would know exactly what I would need. Since I did not hear from him for over a month, I called his number at : XXXX and was told that he had taken my files home and he would be preparing it on his own, and he would let me know when to pick it up. He never called me back until about 2 weeks ago I had a telephone call from someone who introduced himself as a wells Fargo fraud Dept. agent and said a suspicious activity is taking place in my bank account and the sum of {$4500.00} from my account has been withdrawn from that account. While I was totally shocked, I answered I never authorized any person to withdraw money from my account. Then I was told that in order to reverse that transaction Wells Fargo bank would need my authorization first. He further said that he would send me a text and upon my confirmation of that text the fraudulent transaction would be reversed by the bank, and I shouldn't worry about it any more. Being in a state of shock in order, to obtain more information about this suspicious activity I called Wells Fargo bank found out that the telephone call never came from the bank and {$5500.00} was stolen from the account, bringing my balance to {$0.00}. The bank managed to reverse {$1000.00} of which but they were unable to reverse the rest of the stolen transaction due to the fact that there was no funds available in that account. I feel so helpless and since I am a XXXX person and live on my social security income I would be very much obliged if you were kind enough to investigate this blatant broad daylight rubbery. Here is information from the case numbers printed on the letters I have received from the bank : XXXX # XXXX and claim # XXXX
Product: Credit card or prepaid card

The same complaint was also filed in early XXXX but not sure what happened to it. 

I made a purchase of ~ {$700.00} on XX/XX/XXXX using Amazon credit card from Synchrony. I started to make monthly payment but months later noticed that my account balance was staying the same. Towards the end of XXXX, I contacted Synchrony and asked why my balance was staying the same, they said it was due to Card Insurance that was being added to my account each month. First, I never asked them to add Card Insurance to my account. Second, when I learned of that, I told them to remove it immediately. But, months later I was still added card insurance and I decided to file a complaint with CFPB, FCC and Texas Attorney General. 
In XXXX, I noticed that card insurance was still being added to my account so I called Synchrony again and requested to remove it. They gave me a phone number to cancel it. I called that phone number and requested to remove it but these idiots never removed it. 

If my account is not been reimbursed for all these unauthorized charges by the end of XXXX, XXXX then I will file a case with Small Claims Court for fraudulently adding these charges to my account and piling up extra interest.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Ut XXXX AFFIRM INC XXXX XXXX XXXX, FL XXXX XXXX XXXX, CA XXXX XXXX Dear Affirm REQUEST FOR VALIDATION AND DISPUTE OF CHARGE-OFF ACCOUNT REPORTING I am writing to formally dispute the reporting of the charge-off account associated with XXXX and XXXX on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ) and 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers of Information ), you are legally obligated to provide complete and accurate documentation to verify the legitimacy and accuracy of this account 's reporting. Additionally, under XXXX XXXX, I have the right to demand validated evidence of this debt.

I am requesting the following documentation to validate this account : XXXX. Authenticated Double-Entry Accounting Records I require authenticated double-entry accounting records that show all transactions debited and credited, providing an accurate and compliant breakdown of this account 's history. Simple statements or conclusory responses will not satisfy this demand, as outlined in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Authenticated Evidence Based on XXXX  XXXX I require documented proof, including original signed contracts or agreements, that legally supports your right to report and collect this debt. Compliance with [ State Consumer Debt Collection Law/Act, with a citation if available ] is necessary. 

XXXX. Verification of Permissible Purpose and Reporting Status Please provide documented verification of your permissible purpose for reporting this account, along with confirmation of the current reporting status. I am requesting a clear, documented basis for your continued reporting. 


XXXX. Documentation of Debt Securitization If this debt has been securitized, sold, or transferred to another entity, provide documented proof of your legal right to continue reporting and collecting on this account. 

Furthermore, this account has been reported with severe inaccuracies. Given the reporting errors and the lack of appropriate validation, I am requesting the immediate deletion of this account from my credit report. 

Please respond within 30 days of receipt of this letter with the requested documentation or confirmation that the account has been deleted from my credit report.

Failure to respond with proper validation may lead to further action, including filing formal complaints to the IRS and pursuing legal remedies to enforce my rights. 


Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly a balance of {$150000.00} to XXXX ; Experian and XXXX on the XXXX XXXX XXXX partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from XXXX XXXX XXXX. ( Please see page attached from my credit report as well as the statement datedXX/XX/XXXX from XXXX XXXX XXXX. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax by USPS mail in XXXX to investigate the completeness and accuracy of several accounts reporting on my consumer report. Equifax performed the investigation, however, Equifax failed to notate that the accounts were previously disputed. My understanding of the FCRA is that once an account is disputed by a consumer, a notice of dispute must be added to the account on all future consumer reports. I disputed the accounts again and pointed out that the notice of dispute was missing for the accounts that were previously disputed. In my dispute, I requested that these accounts be removed for being in violation of the FCRA. Equifax received my dispute via USPS mail on XX/XX/XXXX. Equifax completed their investigation, and deleted one account, XXXX XXXX XXXX. The other accounts remained, and Equifax has again failed to add the notice of dispute to the accounts that were in question. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Car Rental from XXXX on XXXX ( # XXXX ) total amount paid {$1000.00}. Disputed the {$300.00} deposit from XXXX with Discover Card in XXXX of XXXX. The disputed charge of {$300.00} was a " deposit '' from XXXX for the rental. I did not know that and made the dispute for that charge I saw on the statement. Discover is telling me they looked into the dispute and find it is a valid charge. I sent them ( upload ) the XXXX invoice, an email from XXXX XXXX Customer Service dated XX/XX/XXXX saying it was only a deposit. I also sent a copy of a email from Discover dated XX/XX/XXXX telling me the dispute was in my favor and will not be charged for any related interest or fees. I called the Discover customer service and explained everything. They told me the email telling me it was resolved was an error. I uploaded all the documentation I have and was told Discover would look into it. Today XX/XX/XXXX I received an email telling me my dispute was Denied and I owe the {$300.00} plus the added fee 's {$360.00}. I just got off the phone with XXXX customer service who said they would send Discover a " payback '' form. The person said this should show Discover that I was never charged the {$300.00}. I don't know what else to do, I am so upset with this credit card company.
Product: Debt collection

This debt was sod to a debt collector in 2024 I contacted the creditor for correct amount information and had asked if this debt was sold to a third party or put into a trust! I was told to contact XXXX XXXX about the debt, how should not have my personal information. I have since contacted the now debt collection XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  has me in there system when the info doesnt match mines
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax repeatedly keeps ignoring the fact that I've asked them to remove the address circled on the attached page a number of times. Some how they can't seem to read! I haven't had that XXXX XXXX address in more years than even I can remember. Remove it now or I'll get an attorney to help them figure out how to remove it. Last chance!
Product: Debt collection

I have repeatedly asked this debt collection to cease contacting me. They have been unable to show the debt is mine and it is way past the statute of limitations. Yet, they still contact me after being asked to stop
Product: Debt collection

On XX/XX/year>, I financed a purchase through XXXX using Acima Leasing. After returning the merchandise, XXXX issued refunds directly to Acima on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, totaling {$990.00}. These refunds should have been applied to my lease balance, effectively clearing it. 

Despite this, Acima has failed to credit my account with these amounts. I contacted Acima multiple times via chat and phone, and was told the refunds are under manual review, which could take over XXXX weeks. However, it has been more than a month since the first refunds were issued, and my account remains unresolved. 

In the meantime, Acima continues to attempt collections on this lease, despite the account being paid off through the refunds. This situation may soon impact my XXXX due to XXXX XXXX that I should not owe. I am seeking immediate resolution, including the application of the refunds to my account and cessation of collection efforts.
Product: Debt collection

Has called me several times before XXXX, they have called at XXXX or before from their east coast offices.
Product: Money transfer, virtual currency, or money service

My computer got hacked and got wrong wiring instructions, i was sending a wire to who i thought was a vendor " XXXX XXXX '' on XX/XX/2023. My bank ( XXXX XXXX XXXX '' sent the wire to XXXX XXXX XXXX XXXX  -- - the beneficiary on the wire was " XXXX XXXX ''. Once we found out this was a fraud, workers credit union on XX/XX/2023 sent a request to Key Bank to return the wire. Key Bank sent an email stating that the beneficiary of the wire was a name '' XXXX XXXX not XXXX XXXX XXXX. Key bank also stated that XXXX XXXX wired this money 2 more times to other Key bank branches -- the first being Key bank in XXXX XXXX XXXX  then that got wired to Key Bank- XXXX XXXX XXXX 

To me, Key Bank has a responsibility here -- 1 ) they never checked to make sure the beneficiary was correct -- i sent it to a business and it ends up in someone personal acct??? that should send a red flag 2 ) then the person " moves '' that same money to two different key bank locations -- that should be a BIG red flag the amt of the fraud is {$46000.00} actions taking 1 ) filed a report w FBI 2 ) filed report w local police 3 ) my bank - XXXX XXXX fraud div has contacted Key Bank Fraud and am waiting on response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report : XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, ONLINE