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

XX/XX/21-My checking account was disabled. 

XX/XX/21-I reached out by phone to First Tech, and was told that my account was frozen, no deposits or withdrawals could be made. I could not speak with the fraud department personally, I would have to correspond through post mail.

The reason I am submitting this complaint is a few factors 1. There is no timeframe for resolution that they stated which they could guarantee.

2. There is no way to communicate with the fraud department, except by post mail.

3. There are oversensitive fraud measures relative to other banks I have used.

3. I desperately need this money to pay my credit card bill. I was consolidating it here from a few different accounts in order to make the payment. The total amount is ~ {$6500.00}.
Product: Credit card or prepaid card

XX/XX/2023 I am largely inconvenienced due to the Neglect to properly verify All information before Capital ones ( XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX on letter XXXX XXXX XXXX XXXX, VA XXXX on envelope ). issuing a credit card in my name. Its overwhelming and stressful to try to regain any form of peace and security during the process of protecting myself from future attacks. my address is public record. Therefore, providing a card with the use of ( an out of my state address, false income amount. my zip code with a out of state address on the application ), and All of my personal information is Neglect on capital one behalf. Also, the person ( s ) that stole my personal information Must be held responsible for their actions.
Product: Credit reporting or other personal consumer reports

Under XXXX USC XXXX ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

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

On XX/XX/XXXX, my credit card got stolen and there was a charge of XXXX. I put my card on pause as soon as possible and as it was the weekend, I waited until the next weekday ( XX/XX/XXXX ) to call the fraud team. They saw a secondary charge of XXXX dollars at a bar somewhere else that I'm not even old enough to enter and got denied ( because it was on pause ). They said they would look into it and then denied it after 3 months?
Product: Credit reporting or other personal consumer reports

Stop ignoring me. I have been trying to communicate my concerns regarding the inaccuracies on my credit report for months now but to no avail, this is an issue that I want to be addressed and this complaint is obviously not a mistake or sent in error. These are challenging times and the circumstances are not in my favor, the burdens keep piling up which continuously impacts my life negatively, having these inaccuracies corrected or removed from my credit report will be immensely helpful.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXX XXXX  account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies are violating my rights under 15 U.S.C 1681 section 602 A States I have the right to privacy, .under 15 U.S.C 1681 section 604 A it's also states that a consumer reporting agency can not furnish a account with out my written instructions..15 U.S.C.1681c ( a ) 5 section States no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse items of information other than records of conviction of crime which antcates 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate..
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect a close friend or family member has stolen my identity. I've been working on my credit for 4 years faithfully. I've seen many disturbing things that do not belong to me. I've disputed many things with transunion and XXXX  they seem to agree with me and erased allot of the things on my report. I was a victim of identity theft in the worst way. XXXX worked with me professionally. We got my score to XXXX on XXXX XXXX and XXXX XXXX so you see when I logged into experian I was very bothered that they still have lots of information dated back to 1992 many of them which is hurting me and allot of very wrong information never fixed which is also hurting me. Like I said I was a victim of identity theft in the worst of way. If you look at my credit report with credit karma and credit sesame tells another story I've worked with them for 4 years even though XXXX  still has a little work to do. I just want experian to erase what doesn't belong their anymore and also dispute many things that are not mine cause my identity was stolen so I can move on and eventually buy a house and live a credit worthy life .I 've worked to hard for this to hit any road blocks I just joined experian identity theft monitoring XXXX dollars a month that's how serous I am. I just hoping that experian does the right thing and helps me. I reached out so many times to correct this credit report situation and I'm not getting anywhere please I need. I'm also on a fixed income in on social security XXXX for three years now. This is why I've been working so hard on this cause I don't want to live without credit. I suffer from XXXX XXXX XXXX I also suffer from XXXX XXXX XXXX, XXXX XXXX, XXXX. This is very important to me cause of all my illnesses that having a great credit and a clean credit report. Since I live on a fix income it's very important to have a good credit. That's why I've been working so hard these last few years. For my son my wife to have a better life and experian is holding me back. My number is XXXX if you can have them reach out to me that would be great I can't get nothing going thank you XXXX XXXX
Product: Student loan

Nelnet constantly uses gaslighting and manipulation tactics to avoid fixing issues and dragging out processes. I have been dealing with this for over a year now. XXXX sent over the information on XX/XX/XXXX they said it would be updated in 20 days and they still refuse to make the update or provide any real information. they are criminals and they refuse to give customer service by email. I work full time the hours their service is available and I also refuse to accept service from them by phone as is my legal right as they are not trustworthy and I need documentation of everything. Which is clear by the way they deal with people. Please help me this time I am exhausted of having to file a complaint with the CFPB everytime just to get them to talk to me and then you close it .... what is the CFPB for if not to help people? It has been XXXX months. They purposely cause deleys to rack up interest and fees that are not owed to them. They are criminals. They employees and members of this company should be in prison.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy. LexisNexis has 15 days to reinvestigate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX Subject : Notice of Dispute and Request for Compliance under 15 U.S. Code 1691 I am writing to formally dispute [ describe the issue, such as an unjustified denial of credit, discriminatory lending practices, or another violation under the Equal Credit Opportunity Act ( ECOA ) ]. Under 15 U.S. Code 1691, I have the right to receive a clear explanation for any adverse action taken against me regarding credit decisions. 
Account numbers : XXXX On XX/XX/XXXX, and on XX/XX/XXXX I applied for credit card, XXXX XXXXXXXX and I was [ denied, subjected to unfair terms, etc. However, I did not receive a legally required written statement explaining the reasons for this decision, as mandated by the ECOA.

I request that you immediately provide the following : 1. A detailed written explanation for the adverse action taken against me.

2. Any documentation or records used to make the decision.

3. Proof that your decision complies with ECOA regulations and was not influenced by any prohibited discriminatory factors.

Failure to provide a timely response may result in legal action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing civil liability as allowed under 1691e of the ECOA.

I expect a response within [ reasonable timeframe, e.g., 30 days ] from the date of this letter. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against National Credit Audit Co. for Violations of Consumer Rights Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against National Credit Audit Co. for multiple violations of consumer protection laws as outlined below : 1. National Credit Audit Co. has placed a collection on my consumer report without providing validation information, contravening 12 CFR 1006.34 ( b ) ( 5 ).

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 

3. The collection agency has engaged in false, misleading, misrepresentation, and deceptive practices, infringing on my consumer rights.

4. National Credit Audit Co. has furnished accounts to consumer reporting agencies without providing mandatory disclosures as required by law, thereby violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

I hereby dispute any debts and revoke all rights of National Credit Audit Co. to communicate with me through email, text, or calls. Additionally, I request debt validation, the purchase agreement between the debt collector and the original creditor, and proof of their licensing and bonding.

I urge the Consumer Financial Protection Bureau to investigate these violations and take appropriate action to ensure that National Credit Audit Co. complies with consumer protection laws. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX in XXXX Florida continued to call my home number after three seperate attempts on my part to get them to cease. On my first conversation with a representative they determined that i was not the party that they were trying to collect from but gave me that individuals full name ( violating FDCPA disclosure laws ) and they assured me i would not be called again. The phone calls continued daily. After a length conversation ( taped ) in which a female supervisor advised they couldn't always see the numbers they were calling in their system, I was again informed that I would absolutely not be called again. After that call I documented calls from ERC on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 2x ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. There were more but these are documented. 
On XX/XX/XXXX I again spoke with the company. I have advised on all three conversations that a XXXX person uses this phone line as his life line and that these calls were a nusiance and causing stress and harm to this individaul. I have since been contacted by their complaince officer assurning me that i will not be called again. He also claims this is a " call forwarding '' issue which is nonsense because the person they told me they were trying to collect from ( 2x ) had this number over thirteen years ago. I know this to be fact from the ten other companies that called in the first year I had the number. This leads me to believe that ERC participates in collecting past statute debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, USAA reported our credit card accounts closed or settled. This was not the case. The credit reporting agencies stated this as negative reporting during a time we were house-hunting and preparing to secure a mortgage pre-approval. 
We decided not to apply to a lender until we could be sure our reports were clear of this matter. 
USAA staff first stated no knowledge, then cited errors by the credit agency, then finally a supervisor acknowledged the error, affected thousands of consumers, stated the error was reported on monthly credit card statements. This was not the case. I asked for letters supporting the accounts were in good standing and these were received. USAA stated the corrections were made with the credit reporting agencies and corrections take 30 days. 
As of today, the alerts remain on our credit profiles. I asked the supervisor if this error was required to be reported to CFPB, given published XXXX issues at USAA, and was told not required. 
As information, USAA call center staff stated the errors could not be addressed until consumers called USAA, as it was not clear who was impacted. 
Yesterday, XX/XX/XXXX, a message from USAA came to my USAA banking inbox stating the error had occurred, and what had been done to address it, which is what they should have done initially. 
This notice to your agency is to make you aware of this matter. 
USAA contacts " XXXX, '' Supervisor on XX/XX/XXXX ; Executive Resolution " XXXX, '' on XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2018, I received a XXXX title loan from Lenco Finance. Extra charges were applied for credit life and accidental death insurance ... I asked if the loan was paid out early if I would be penalized. The answer was no and I would get credit for the unused portion of insurance. On XX/XX/18, 5 days later, I called for a payoff. They gave me a total of XXXX. I questioned the amount being so high and asked if I was getting credit for the 2 insurances they added to the loan and was told I was getting credit. I called the insurance company to inquire on what the refund would be and was told that I had to request a cancellation through the loan company and they would reimburse me the money. I called Lenco and asked for a printout that showed a breakdown on how they were calculating the payoff amount and was sent a printout that only showed the amount of XXXX as payoff. No indication of how this amount was calculated. I know it was a high interest loan but I knew I would be paying the loan off early to avoid the high interest charges. I understand that I incurred some fees but do not understand how they calculate that I owed them XXXX for a XXXX loan that I paid off in 5 days.
Product: Credit reporting or other personal consumer reports

Hello All, These hard inquiries are fraudulent and doesn't belong to me and need to be removed. Please see the following : 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 XX/XX/XXXX Thank you, Best Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX, XXXX, Experian there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT XXXX XXXX XXXX, XXXX XXXX, CA XXXX THIS IS NOT MY ADDRESS PLEASE REMOVE IT
Product: Checking or savings account

I am a XXXX XXXX XXXX  at a XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) of life insurance policies in our book of business ( including my own ). This morning, XX/XX/2020, I processed two policy loan disbursements against the cash value of two of my own life insurance policies. I used the mobile deposit feature of Discover Bank 's mobile app to deposit the two checks into my Discover Checking account ( a process I have completed at XXXX XXXX  XXXX without fanfare many times in the past ). 

A few hours later I received an email from Discover stating I needed to contact them immediately regarding " unusual activity on [ my ] account '' and that they had frozen my accounts. 

After being hung up on, I called back. The second person asked for my full social security number, which I refused to provide ( the first person did not need this information - nor did anyone else I subsequently spoke to ). I was abruptly and rudely transferred to the 'front office ' by the second rep. Eventually, I was put in contact with a specialist, XXXX. Not sure what department she was in or what she 'specializes ' in because she didn't seem to think it was prudent to identify herself. For whatever reason ... 

After some two factor authentication and a bit of back and forth, XXXX advises my accounts ( both checking and savings ) have been frozen for 10 days to make sure the checks clear. This makes absolutely no sense at all.

I can understand putting a hold on the funds I deposited or only making part of those funds available ( the mobile deposit feature even notifies you that only a part of the deposited funds will be immediately available ). Sensible enough.

However, I can not understand why Discover Bank would think it was even remotely acceptable to freeze both my checking and savings accounts for 10 business days - two full weeks from today. 

I gave XXXX the check numbers and account information for XXXX XXXX XXXX, where funds are distributed for XXXX XXXX XXXX XXXX XXXX life policies. She said she would call XXXX XXXX XXXX and verify the checks to unfreeze my account. She said she would call me back no later that XXXX Central Time. I never received a call back. 

I have no access to my money. How am I supposed to pay bills? How am I supposed to buy groceries? How am I supposed to put gas in my car?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The error on my credit report that was addressed is inaccurate and your refusal to comply with my dispute request is not acceptable. Additionally, this just proves your lack of proper record keeping. Now, this item is reporting to be past due, yet it is closed and the balance is XXXX. Lets correct this immediately! This is your final chance to resolve the inaccuracies on the item : XXXX BANK XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Date XX/XX/XXXX
Product: Checking or savings account

I opened this checking and savings account with Discover specifically because they offer cashback on all purchases, but they have been cheating me continually on this!!! Now they claim you only get 1 % cash back and ONLY up to {$3000.00} which they NEVER told me when I opened the accounts, after I just deposited and spent $ XXXX in XX/XX/2022 alone and they only deposited a pathetic {$30.00} for this into my savings account for cashback redemption!!!! I am sure they have been cheating me all along as I have not been watching it closely and never seem to get more than {$30.00} no matter what I spend or pay!!! I think they are doing this to all of their customers and committing fraud!! The rep claimed today when I called that it is correct, but it is not, even if I receive a pathetic 1 % up to {$3000.00} the minimum it could be is {$300.00}!!! I want my money!!! I have attached a copy of all transactions on my account for the month of XXXX and also a copy of the bank statement from my savings showing the pathetic deposit for cashback redemption today!!! I can also provide all past statements if needed to also go after them for past amounts owed from these cashback redemptions too, in fact I may look into filing a lawsuit over this!!! I am sick and tired of being cheated by these crooked banks!!!!