23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is about account number XXXX. I have disputed XXXX XXXX XXXX with Experian they removed the account and then they reinserted it back. This is a violation 15 U.S. Code 1681i ( 6 ) B ( iii ) i was suppose to receive a notice that if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. Account # XXXX it is a violation of my consumer rights. 15 USC 1681I ( 7 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus a certified letter, requesting an investigation/deletion of this hard inquiry from XXXX XXXX  XX/XX/18. It has now been well over 90 days and still no response.This hard inquiry have caused great hardship, stress, and has caused my credit score to decrease drastically. The three bureaus have violated the FCRA, laws that protect all consumers. They are suppose to report accurate information and to respond to consumers within a timely manner.
Product: Credit reporting or other personal consumer reports

I am writing this letter in reference to these accounts below. That affects me greatly and shows on my credit report. These accounts show up on my credit record since I was victim of identity theft and had my information hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

USAA continued to send requests to my home address - where the first name is correct- but the last name is incorrect! 

Ive had the email Return to sender and Not at this address! but they continue to come!
Product: Credit reporting, credit repair services, 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. 
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX  XXXX, XXXX XXXX XXXX account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a consumer to any consumer reporting
Product: Prepaid card

Concerning American Express Serve prepaid card. An ATM transaction I was charged for but did not receive the funds. Theft of funds by charging me more then what was approved I have disputed the ATM transaction and Serve sent this document claiming to be from the merchant. The document and statement are fraudulent. I went to XXXX XXXX and got a copy of the transaction and as you can see it was declined by the institution. I also contacted the ATM provider, XXXX, they too show it was declined. 

Attached is the statement showing amounts taken from my account along with receipts for what was authorized. I was only able to have these XXXX transactions corrected by including them with the disputed ATM transaction. You can only dispute it if they send you a form. Complaining to customer service goes unnoticed and they are used by management as a shield for their unscrupulous practicies. As a result I 've been taken for thousands over the years. 

Serve blames the merchants. This is not on the part of merchants, this is being done in the '' back room '' of Serve. When the correction of the XXXX transactions was made, the statement reflected not what was taken out XXXX XXXX & XXXX but what the original payment order was XXXX & XXXX. The difference of XXXX was put back into the balance. When I confronted Serve with where the money went and where it came from I was put on indefinite hold, shuffled around to numerous departments and fed all kinds of XXXX. until it was admitted Serve was the culprit. They call it " padding ''. Padding their pockets is theft. 

I wish the CFPB to force Serve to cease its unscrupulous practicies and turn over detailed transaction records relating to all current and past accounts held in my name
Product: Checking or savings account

On XX/XX/XXXXXXXX XXXX central time I called Wells Fargo from both of my numbers on file on the account I been having over 5 years since XXXX from the state of XXXX. Online banking is doing illegal stuff not trying to access my mobile banking through my XXXX XXXX and XXXX XXXX XXXX with two different numbers on my XXXX XXXX XXXX  account
Product: Checking or savings account

On XX/XX/2023 I had multiple unauthorized transactions from XXXX. Claim ID : XXXX. The claim total was {$2200.00}. On XXXX XX/XX/2023 I received provisional credit for the claim. On XX/XX/2023 one of the merchants refunded me {$510.00}. I recevied a letter from Bank of America stating they would recoup this amount from me due to provisional credit and did so succesfully on XX/XX/XXXX. XX/XX/XXXX I received a letter from BofA that my claim was won in my favor and that out of the {$2200.00} the {$1600.00} credit was now permanent. Case closed. Now, come XX/XX/2023 I wake up to find a misc debit in the amount of XXXX was taken out of my account. I called to inquire why this amount was taken and for what? Every Customer service representative that I spoke to said that they were escalating my claim, blah blah blah. I stated that they can not double recoup the credit taken already. They STOLE my money and I expected for immediate rectifying of the situation since it was their error. Over and over all I heard was our back office has to fix it, they are a no contact office-They only read our notes. I asked to speak to a supervisor after one of the CS was completely rude and she was still like you owed that credit back. It has taken 6 days for them to finally understand that there was XXXX transactions with same amount by XXXX different vendors. They said we are sending back for reconsideration. "!!!!!!!!! '' There should be no consideration when you take money that was already paid back. The credit they took was a permanant credit!!!!!!!!!!! This is stealing. Finally I got another manager on the phone and she stated that she see 's where the error occured and it will still take the " back office '' of the claims department XXXX more business days to fix the error. This is beyond disgusting! This is my money that was stolen from and their procedures are XXXX! If a bank makes an error, there needs to be a quicker way to remedy the situation. I am considering filing a lawsuit to due the reprucussions of their mistake! 1. I had my work corporate card payment coming out of my account the XXXX and due to them taking out the debit ( stealing ) my money, my work card payment was returned and my company has a XXXX return payment policy. My work card is now CLOSED. I could have lost my job ( and still could ). 2. This was right before XXXX and today is the XXXX of XXXX and my money has STILL NOT been returned to me. I had to borrow money from family to finish shopping for XXXX for my XXXX XXXX children. The harm and emotional damage this bank has caused me is beyond horrible. I STILL DO NOT HAVE MY MONEY BACK. No one is willing to help and you can not talk to someone who fixes immediate errors. I hope the CFPB looks into these policies and procedures for fixing their own errors in timely fashion. My livlihood has been struck hard by this. I AM NOT HAPPY! I will see you in court BofA. My new phone number is XXXX.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE AUTO FINAN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I went into XXXX XXXX of XXXX to see about the possibility of purchasing a vehicle. I did sign a document stating that XXXX XXXX XXXX is who I am applying. 
for a car loan with. After spending about five minutes hearing XXXX XXXX jiggle all the numbers around in loan offers. I finally got up and went home. When I returned home, I seen that there are seven other banks on my Experian account that says I applied for credit with them. So I did make a report to the Office of Attorney General of California and when I received a mailing from The California Office of Attorney General in the return mailing back from The Office of Attorney General California it shows that XXXX XXXX had slipped two other documents that I was not shown on XX/XX/2023. On the second page labeled XXXX Dealer Track it shows that I agree to submit this application and any other application to other banks that XXXX XXXX XXXX XXXX XXXX XXXX me. I was not told of any other bank my word of mouth nor by paperwork when I was there on XX/XX/2023, I find that what XXXX XXXX did was deceitful into doing. 
one thing, that is to demolish my credit report with numerous bank loans. bank loans that I did not authorize.

may I remind you. I have been denied credit from what I believe is from the inquiries. On document labeled attachment B it shows that that XXXX XXXX statements. 
does not show he was checking another bank. Also, when I went into the financial office XXXX XXXX had. 
everything ready for me. Which means he made eight bank?

loan offers on his own without my permission while I was.

waiting in the lobby to call me in the office.
Product: Credit reporting or other personal consumer reports

This is my second complaint. I filed a dispute with your organization last XX/XX/2024 and explicitly identified the bogus accounts. There are still phony accounts on my credit report.
Product: Debt collection

Credit Corp Solutions. contacted my work phone and a third party about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Consumer Credit Corp Solutions. nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$730.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Product: Credit reporting or other personal consumer reports

Dear CFPB XXXX, I am reaching out to file a formal complaint against Experian due to inaccuracies in the personal information on my credit report. I have identified incorrect names and addresses in my credit file, which not only impact the accuracy of my credit history but also pose a serious risk of fraud and identity theft. 

These errors violate the provisions of the Fair Credit Reporting Act ( FCRA ), which requires credit agencies to maintain verified and accurate information in consumer reports. The inclusion of unauthorized, incorrect data compromises the integrity of my report and exposes my identity to potential fraudulent use. 

My correct information is as follows : Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX Last XXXX digits of XXXX : XXXX I have repeatedly requested that Experian correct this information, but no adequate measures have been taken to address these errors. This not only affects my credit but also represents a significant threat to my personal identity security. 

I request that the CFPB oversee this process and ensure that Experian complies with the FCRA by promptly correcting these inaccuracies. The accuracy of my personal data on my credit report is essential to protecting my credit history and preventing potential fraud. 

Thank you for your assistance in ensuring that Experian takes the necessary actions to reflect only accurate information corresponding to my true identity. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Debit card fees when you use ATM that's not Wells Fargo they charge you additional ATM fee!
Product: Credit card or prepaid card

I have had two Capital one credit cards ( GM and XXXX XXXX ) for over seven years and over this period I have requested credit line increases to each account and was denied each  time. 

The general reasons for declining, poor credit history, too many open accounts with balances, etc., I understand. However, each of my requests were, these credit cards are not eligible for credit limit increases and we are working on it. My question, after seven plus years? 
I spoke today to a Capital One representative and he says the only viable solution is to apply for another card. I suggestedthe two small limits ( $ XXXX and $ XXXX ) be combined and was told again, these two cards are not eligible for combining. 
I mentioned I did not want a hard inquiry for this seemingly internal issue but he did not offer any other alternative. 
I am asking for a practical solution to this problem instead of the seven+ years of runaround which is totally unacceptable at this advanced technology stage.
Product: Debt collection

Filed a complaint with CFPB about FCO. FCO responded that they sent a ledger, and renter agreement. However, all of which the company is stating that has been sent is a false information. As I have NEVER received ANY validations of debt from this company.
Product: Bank account or service

I have banked with Fifth Third Bank for over 10 years. I have even worked for the company prior to taking a position that requires me to travel for business. I have had multiple issues with the bank whilst traveling and having access to my funds via my debt card I was told that I would always have issues unless there was a change to the address that would indicate that I would be in Texas, I agreed as I had several instances in which I had been denied the ability to pay for items at the point of sale. I called several times to discuss this with the bank and received POOR, UNCONCERNED AND UNPROFESSIONAL service. I spoke with no less than XXXX employees explaining myself over and over only to have my account address be one thing and the mailing address to be another. I had a bank product ( EAX ) removed from my account and was not notified at the time that the notation of my Texas address would preclude me from this account feature. I request that ALL calls made from XX/XX/2016 to XX/XX/2016 be pulled and listened to, as well as a copy of said calls be sent to me. I request that the EAX feature be added back to the account and that all managers and CSRs to whom I spoke be held responsible for lackluster, incompetent and rude service. Including XXXX, XXXX XXXX and XXXX.
Product: Checking or savings account

Simple bank shut down this morning and the service was transfered to the parent Bank BBVA USA, hundreds, if not thousands of people are unable to access their accounts on the new platform. We can not access our accounts, or our money, customer service is not responding and no solutions have been presented.
Product: Credit reporting

the incorrect information on my credit report was not mine it was identity theft as a join account my husband and I. we had previously to the law enforcement. please review the report and correct all negative information they not mine. okay thank you.
Product: Vehicle loan or lease

Date of Incident : XX/XX/year> Company Involved : XXXX XXXX XXXXXXXX XXXX NCB Management Services Amount in Dispute : {$8500.00} I am filing this complaint regarding a billing issue that has resulted in inaccurate information on my credit report. Despite making my payments on time, XXXX XXXX XXXX failed to process a payment on XX/XX/year>. When I contacted customer service to resolve the matter, I was informed that there was no record of my payment, even though I had consistently made payments as required. 

Despite my efforts to address this issue, XXXX XXXX XXXX did not take corrective action, which led to a repossession that should not have occurred. As a result, NCB Management Services is now attempting to collect a debt of {$8500.00} that I dispute due to the original billing error.
Product: Checking or savings account

Some time during the last week of XX/XX/2021 a check was stolen from the desk drawer in my private office at work, and subsequently cashed at another bank. The signature on the check was not mine. Check # XXXX in the amount of {$15000.00} dated XXXX. 

When I saw the check on my bank statement about 1 month later, I immediately called the police who arrived, and filed a report, and I called Chase Fraud Services and explained what happened. I provided all necessary paperwork and documentation including the police report and signed affidavits. I subsequently closed all accounts and opened new ones. A detective is working on the case. He stated it will be months before any progress is made, if any because banks are very slow to respond to subpoenas and by that time any video recordings of the transaction will be long gone.

During the initial call with Chase Fraud services I was reassured that because my bank account funds are insured by the FDIC I would be credited back for the fraudulent check. These phone conversations are recorded by Chase. I was then asked a few questions and I answered as accurately as I could, but later realized these questions seemed to be phrased in such a way as to protect the bank from liability. 

Ultimately my claim was denied by Chase Fraud Services. See enclosed letter dated XXXX. 

When I called Chase Fraud Services to question the claim denial, Chase Fraud services said that as per my answers, I did not take adequate precautions to " conceal '' the checks. Of course they were concealed they were inside a drawer of the desk in my private office that is off limits to the general public, but apparently that didn't stop someone from sneaking in there and removing the check.

Another question that apparently caused the bank to deny me reimbursement of the stolen funds was " Does anyone else have access to the checks in your deck drawer ''. My answer was " yes ''. My bookkeeper has access to the contents of my drawer- but they didn't ask me to clarify who has access other than myself. 

As I stated, despite early promises that the issue would be resolved to my satisfaction and my account would be credited, Chase Fraud Services ultimately denied my claim stating that I did not safeguard the checks carefully enough. Please see enclosed denial letter.
Product: Checking or savings account

Today is XX/XX/XXXX. I have been contacting Citibank for the past month and a half. The issue is I've been trying to get my bank statements from the beginning of XXXX to the end of XXXX. I don't have an account with them anymore. I've called multiple times and have gone to many branches. The branch would tell me they don't have access to my old account and tell me to call corporate. Corporate would then tell me that they don't have access and that I have to go to a branch. I need these statements ASAP for tax purposes. The IRS sent me a letter stating they need proof of income for those specific years and the bank statements are the proof I need my deadline is the XXXX of XX/XX/XXXX. I don't have that much time!!! I'm just looking for someone that can help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

Received a {$50.00} XXXX gift card issued by US Bank National Association with instructions to register at www.prepaidgiftbalance.com or XXXX. Packaging was fully sealed and a sticker is covering the card number inside the packaging. Yet I can not register it, because its already been used. How could it be used if its fully packaged and sealed? The bank seems like the scammer to me, and they wont file a dispute without my information. This seems like an elaborate ploy to gather consumer data.