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

On XXXX XXXX, i received a text from Chime asking me to turn on my international transactions on. After not answering I received an email telling me my card was declined for a service I know nothing about. When opening the chime app I found 3 different transactions. One for XXXX and then one for {$25.00}. While looking i saw that they cancelled a bill that needed to be paid on the spot and they cancelled my transaction and NOT at my request! I had to call Chime 7 different times to talk to the dispute department and a supervisor in the dispute the department. On the 7th time someone finally put in a dispute after two days of waiting on the phone and having to beg to have my money returned and while also asking where my refunds I received from cancelled items were. The person who made the dispute told me he was going to make sure i was going to receive my money back today ( XXXX XXXX ). I told the dispute representative how they didnt allow my bill to be paid but allowed 2 transactions from XXXX that I can not locate what they are nor did Chime provide any clarity on the matter, for him to say Now you must wait up until 10 days for a credit of the amounts to your checking ) this is after Ive been overdrafted by them for {$20.00} and kept having to move money in between accounts so I could have money for the week while also waiting for my refund credits. They were of no help now it is Monday and i have no money for the week and had to fight and claw just to have a dispute submitted! Upon doing my own investigation into Chime as they provided me no information, i came to find how many reports there are regarding chime all the way up to them being sued. They told me they were a legitimate bank when after doing research they arent. I really need help because they allowed my money to be stolen and now even allowed me to be delinquent on a bill because they cancelled it and I never once authorized a cancellation! Please help and please please look into this situation!
Product: Debt collection

Since last XXXX of 2017, I have asked credit bureaus to verify and eliminate from my credit report the following accounts that I mention below which do not belong to me. Modifications of mixed names have not yet been corrected. Request to validate these debts that indicate they belong to me without positive reply
Product: Credit reporting, credit repair services, or other personal consumer reports

Defamation of character
Product: Checking or savings account

I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. 

When I complained about it they refunded the money but then the next month they did the same thing. 



XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to implement timely and effective measures to address and prevent fraud on its platform, leaving my account vulnerable and unprotected. Additionally, its dispute resolution process was unfair and deceptive, as it failed to meet the error resolution standards required by the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These shortcomings have caused significant inconvenience, financial loss, and unnecessary stress. I am seeking appropriate redress for these violations.
Product: Credit card or prepaid card

I have three transfers initiated from my key2benefits card that I never received. One on XX/XX/XXXX for {$200.00}, one on XX/XX/XXXX for {$470.00} and one on XX/XX/XXXX for {$500.00}. After the first wasnt received a filed a fraud complaint ( which was what I was instructed to do ) and they rejected it stating the funds had been delivered. My receiving bank has zero record of these 3 transactions. I have since followed up and been put on hold for very long periods of time just to get told they cant help me and dont have any way to track the money.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, this creditor ( XXXX ) has violated my rights. Under 15 USC 1681 section 602, states I have the right to privacy, 15 USC 1681 section 604 A section 2, also states a consumer reporting agency, can not furnish an account without my written instructions. Under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose!
Product: Credit card or prepaid card

XXXX XXXX has been taking {$5.00} a month from my account, for a year. I just realized this as XXXX dollars isn't that much to realize. I contacted XXXX XXXX, they have NO record of me in their system. No email, no name, nothing. XXXXXXXX XXXX told me to dispute the charges with my credit card company. I called capital one and disputed the 12 charges, and 1 pending charge. They temporarily credited my account while it was under investigation. A couple days go by, and they told me they declined my dispute as " activity on the account indicates these transactions are valid. '' How are they valid if XXXX does not have any information for me, how did I authorize these transactions?
Product: Credit reporting or other personal consumer reports

I have been arguing with transition now for almost XXXX weeks for my dispute with fair collections and outsourcing and the people intalk to literally tell me to contact cfpb if I don't like it cause they don't care
Product: Mortgage

have called carrington loan servicing numerous times represenatives keep transfering long hold times can not leave a message HOME WAS FORECLOSED ON BY CARRINGTON XX/XX/XXXX AND SOLD XXXX XXXX, BORROWER WAS ISSUED A 1099C BY CARRINGTON THIS YEAR /THE 1099 C SHOULD HAVE BEEN ISSUED FOR TAX YEAR XXXX BECAUSE I FILED A BANKRUPTCY AND MORTGAE DEBT WAS INCLUDED.A CORRECTED XXXX IS REQUESTED BASED ON BALANCES AND FIGURES ON XXXX XXXX DATE OF BANKRUPTCY DISCHARGED UNDER XXXX  XXXX, MORTGAGE DEBT INCLUDED,, CARRINGTON HAS MY WRITTEN PERMISSION TO SPEAK WITH XXXX XXXX XXXX ON THIS MATTER MY SPOUSE XXXX
Product: Credit reporting or other personal consumer reports

class action settlement states that removal of negative information from my credit report.Was supposed to occur company is XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting by the help of the complaint I am submitting to correct the information that the following accounts report in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish your investigation within 30 days, otherwise they will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. But despite the multiple written letters I have been sending to the Credit Bureaus that started from XX/XX/XXXX to XX/XX/XXXX, the Credit Bureaus have done nothing to correct the accounts on my Credit file. Though it tempts me to take legal action, I will be giving the Credit Bureaus one more chance to correct the following accounts : XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$150.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX  XXXX  XXXX Balance Owed : {$850.00} XXXX  XXXX  XXXX Balance Owed : {$450.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed ; {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit card

I had a fraudulent charge of {$5200.00} on XX/XX/23 - which I reported- XXXX XXXX XXXX fails to honor their {$0.00} fraud guarantee. Need to be credited for this charge ASAP.
Product: Checking or savings account

Bank of America had been charging my saving accounts for maintenance fee ( {$33.00} per month ) since last XX/XX/XXXX without my knowledge. They did not send me any electronic notification or statement in mail until today XX/XX/XXXX. I called them up asking why did this they could not explain why. I opened up the account in XX/XX/XXXX. They also charged my Visa card for interest for a cash advance check I used that had % 0 interest rate until XX/XX/XXXX. I want you to investigate and penalize them for cheating customers. I want refund for illegal charges that include maintenance fees, ( {$300.00} ) late fees ( no notification for payment deadlines ) and interests ( {$110.00} ).
Product: Money transfer, virtual currency, or money service

I have been contacted by a member of Sofi Bank security team regarding security concerns on my account and this individual claimed to be Sofi they were also calling from the same SoFi support number. They asked me to change my password and after getting off the phone with them my account had a new device log in and the password changed and a new phone number attached to my Sofi account ( Not my number ) I trusted this was Sofi security and turned out to be a scam and not long after my entire account was drained {$1700.00} stolen on XX/XX/XXXX. This was the most recent fraudulent transaction there had been multiple attempts to stealing money from my account in the past and all of those disputes were settled, in this case dispute SoFi was unable to provide a credit for my claim. Id like to make this known that there are scammers posing as SoFi security using the same number gaining access to Sofi money accounts and stealing their money. I am struggling to even have money for food and the bank that failed to recognize this security concern eastport on is denying me MY money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

I have reviewed my Credit report and found several account unrecognized items from your officeXXXX XXXX XXXX # XXXX, # XXXX. I do n't remember doing any business or having having a contract for services. Please forward me proof of contract or my signature etc.
Product: Checking or savings account

On Sunday XX/XX/2020 I opened a Suntrust account and deposited {$300.00} dollars over the course of the following two days. On Thursday XX/XX/2020 I was unable to access my account. Upon calling customer service twice. Both times it was stated that my account was being closed and all remaining funds will be mailed after the investigation has concluded. On Friday XX/XX/2020 my employer deposited part of my paycheck into this account that should have been closed. Upon calling customer service again. They would not let me access my money and kept stating policy over and over again. This is unacceptable. There is more than {$700.00} in that account that I can't use until they conclude their investigation and mail my money if they even do.
Product: Checking or savings account

Bank of America garnished my paycheck from my bank account without a court order or judgment. They claim I owe them money for my boat loan, but they have not shown me anything that states I still owe them. My loan should have been paid off in XXXX last year. However, I offered to make payments last year to settle this so that it would not affect my credit, but they told me I could not do that ; I could only pay it in full. But the lady I spoke to yesterday said she was sorry because whoever told me that told me wrong, and I could have made payments. The Texas government website states : " However, Texas does allow for a bank account to be frozen. Once your wages are deposited into your bank account, the funds can be frozen and possibly seized. In order to do this, a debt collector must have won the lawsuit and had an order issued by the court. This can be confusing because the order is called a " writ of garnishment '' but it still can not be used to take incoming wages. '' There was never a lawsuit! Bank of America has stolen money out of my account leaving me {$0.00} to live on. Bank of America told me that my paycheck that they took is nonrefundable, even though I never authorized this transaction and it was done without my knowledge. 

In the attachment, you will see my paycheck listed as a deposit for {$1700.00}, and then immediately Bank of America took {$1700.00}, listed as a DEBIT FOR CHARGED OFF ACCOUNT FDES, leaving me {$7.00} from my paycheck. 

I have also attached an article from your website showing that they have illegally garnished other people 's bank accounts titled, " CFPB Orders Bank of America to Pay {$10.00} XXXX Penalty for Illegal Garnishments. ''
Product: Debt collection

Every day I get calls from someone telling me to call XXXX about a debt, I know I do not owe anyone a debt but I have to stop and answer the phone XXXX or 3 times per day because of this person calling.
Product: Debt collection

I did not open these accounts and believe them to be fraudulent. I request a thorough investigation and removal from my credit report. Supporting documents are attached.
Product: Credit reporting or other personal consumer reports

The unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
THD/CBNA XXXXXXXX was still showing late payments. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or THD/CBNA customer service representative XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS XXXX AVANTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f )  Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AVANTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My capital one credit card is reporting that I was 30 days late on a payment in 2021. This information is incorrect and I need this removed from my credit report immediately
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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a 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 any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

On XXXX First Source Advantage sent a settlement offer for a debt. On XXXX a request for validation of debt was sent to the debt collector. On XXXX a second request for debt validation was sent to the debt collector. Although federal law requires a 30 day response, the debt collector has yet to validate this alleged debt and now they are in violation of the FCRA and should immediately removed this unverifiable information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Amount Paid : XXXX Payment date : XX/XX/2023 I called XXXX XXXX advised when I paid the account this will be deleted off my account. The information has not been deleted on the credit reporting bureaus.