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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX  ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX Bank ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( XXXX XXXX XXXX  ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX  ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I sent {$400.00} to XXXX XXXX for my Church Anniversary. I confirmed the correct information and sent the transaction. I was alerted by XXXX XXXX about the transaction because it went to a lady name XXXX XXXX. I spoke with Zelle and XXXX XXXX and was told by them that they did not know how this happened but it was on Zelle. I filed a report and never received my money. I ask them to reach out to XXXX XXXX to return my money since it was a glitch on there end. I was told they couldnt contact her. I had an officer reach out to her and she blocked the number. I never received my money.
Product: Bank account or service

I am a regular depositor of many years, 30+, at Citi Bank in XXXX XXXX XXXX , opened up a new account, a Roth IRA . The bank was not crowded. The representative at the desk who assisted me failed to disclose a very important detail. If you are retired, you can not open up an IRA or any related product if you have no income. She also said it was a MM Roth and did n't pay much interest but was the most liquid and I could take it out at any time. On the application or paperwork she gave me I clearly stated I had no work phone number and certainly would have checked retired, if it is a selection. I made several visits to this branch inquiring of any proof of my account as I never received any mail about it nor was I able to view it on the ATM screen. Finally, a different service rep printed out the fact that I made such a deposit and the existence of my account. It was this sheet of proof, that I presented to my tax accountant on XXXX XXXX, XXXX. He informed me to withdraw the funds immediately due to no income made in XXXX. So, I went to the nearest branch in XXXX ( XXXX XXXX ) They had me fill out paperwork and then suggested I return to the XXXX branch where I opened it up to resolve it. I told them that I should not be penalized as an early withdrawal because it should not have been at all. Well, I insisted that they call the XXXX branch and clear it up. I still had tax business in XXXX. They called the Retirement product division and a XXXX XXXX had me to write a letter with the account number and that I wanted it returned and deposited in my checking account. I had to sign it, it was faxed to him. I still had to fill out the distribution paperwork and on it I selected the box, do not take out federal taxes. After explaining to the XXXX representative, XXXX, that I am not agreeing to pay any taxes at all because I was allowed to open this account in error. I waited on line and she gave the teller my paperwork and the transaction was complete. I am concerned that the IRS is going to treat it as an early withdrawal still, even though there was a misstep.
Product: Payday loan, title loan, personal loan, or advance loan

Back in XXXX I enquired about an {$800.00} loan. When she told me the 259 % interest, I declined. She transferred me to a man who convinced me to take out the loan as he told me I could pay it off early and not have to pay that much. I thought it would be a monthly payment but it has been weekly. I pay almost {$100.00} a week. I have paid {$2500.00} to date and my principal amount is {$600.00}. Is this legal? The people sounded like they are from XXXX. My current loan balance is {$930.00}. I will give this information to the FTC and Attorney Generals office as well. This sounds like a predatory loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 17th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

i have requested my credit report and there was a reported debt on there from EOS CCA which stated i owe them {$4500.00} for an XXXX Bill i then contacted XXXX to inquire about the bill seeing as i had no knowledge of even having the service with them. I was first transferred to customer service which they have informed me they have nothing in their system of me ever having service with them which then i proceeded to be transferred to their collections department for further confirmation and again they also told me they have nothing even stating i was ever a customer through them. my question is what can i do about this to have them to remove the debt from my credit report this to me sounds illegal to try to collect a debt and report a debt that i do n't even owe.
Product: Debt collection

On XX/XX/2022, I sent a debt validation letter to [ XXXX XXXX XXXX XXXX XXXX ] company and they has failed to validated my debt, which shows the amount of {$1800.00}.
Product: Checking or savings account

I have a letter from Ally Bank that states the following " Furthermore, our Bill Pay Service Provider advised the payee for your Bill Pay payment is a managed payee and the address the checks were sent to is the address they have on file for that payee. Our Bill Pay Service Provider also advised they have established the best address to use for non-coupon payments or electronic payments, and for that reason, they do not allow edits to the payment address. We recommend discontinuing payments to XXXX XXXX XXXX XXXX XXXXXXXX as our Bill Pay Service Provider will remit the payments to the address they have on file for XXXX. '' I would like to report Ally Bank to CFPB claiming that Ally Bank continues to redirect funds sent to one company with the name " XXXX XXXX XXXX' with a pricipal place of business in XXXX, PA to a different company named " XXXX '' located in XXXX, OH based solely on a similarity of the names. Ally Bank continues to deny that " XXXX XXXX '' and " XXXX '' are different entities. By failing to correct its or its business partner 's practice and continuing sending customers funds, intended to be delivered to one organization, to a completely different organization located in a different City and State solely based on a similarity of their names, Ally bank indicates that it continues to mismanage customers ' funds.
Product: Debt collection

I entered into a payment plan of XXXX payments. Upon making the second payment, the company ( XXXX XXXX XXXX located in XXXX, OH ) with malice intent to defraud me, placed the account into collections in an effort to collect the debt again. I spoke with a representative from the collection agency ( Recovery One XXXX XXXX XXXX XXXX ) and told them this account was paid in full on XXXX/XXXX/2016 and to check with their client. I have since received XXXX phone calls and a mailing date XXXX/XXXX/16 from the collection agent demanding payment for this account. XXXX acknowledged receipt of my payment, however they continue to refuse to remove the account from collections despite this account being paid in full. XXXX has an F rating with the XXXX Ohio. In reading other people 's complaints, it appears this company willfully attempts to defraud others as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Macys Inc. reported that I was late 30 days ( {$8.00} ) on my credit account with them. i checked the last year and have not been late once. I would like this removed.
Product: Credit card

Capital One Credit Card company exaggerated and inflated interest rate. I opened this account since 2008 and closed a couple years ago and still at XXXX. The account has never decreased in interest rates and faithful pay the account. I have compared balances in order credit card companies like XXXX and Orchard Bank and they have been paid in 5 years with a similar high balance of {$1000.00}. I suspect this company is violating to inflate charges and fees so people can never get out of debt from Capital One Credit Card.Other companies like many banks will post your payment by midnight on the due date no by the hours set up by this credit card company that is a limit of XXXXeastern time or central time. I felt like I never going to be out of the debt from XXXX that has not go done for the last 7 years someone needs to audit this company inflated interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

At credit care/ synchrony bank are saying I never payed off my credit card in which I did there adding additional fee of XXXX when the amount was XXXX And I happen to give them XXXX and XXXX also XXXX because I thought payment didnt go through and from there bank it maxed to XXXX saying I didnt owe anything but it then had error in there system saying I owe. I do not owe this company I completely paid them off and they took my money and over payed it they gave me XXXX back which I will never understand as of why cause they owe me more then that.
Product: Mortgage

My husband XXXX XXXX called multiple times in XXXX and I would like them to look for the calls as they state " they are recorded '' ... as ALL individuals we spoke to -whether it be my husband or myself spoke of adding the XXXX amount to the remaining principal. We were told on all occasions that if we received loan modification paperwork to ignore it as they would actually send us paperwork to sign via docusign. During this time they said it could take until XXXX of XXXX we didn't have to pay nor would it affect MY credit as my husband filed XXXX XXXX. They all said not worry. Even the gentleman on XX/XX/XXXX at night spoke to us and said he was confused until he spoke to someone who told him that because we never had missed during the forbearance process so instead of being praised for that we are being told that we NOW have to send that paperwork they wanted in. It took me 3 hours to get it together. I am suicidal have been hospitalized recently and they are aware I am on SSDI. I sent them myself as my husband is trying to work XXXX XXXX as he lost his job XXXX of XXXX and he had got XXXX with that extra XXXX, but things are tight. Companies are not paying well and he is XXXX to the XXXX XXXX  so he is not allowed to get fully XXXX which seems to be a problem with hiring now. So is injured from a XXXX accident and he is still TRYING to XXXX  but he pays most of that money in a rental care which we told them in the hardship letter. 
They have all the documents they needed tonight now. BUT the lies beforehand? WHY! I want an explanation. YOU do not care if people take their life with no home and car... you lie about info. What is wrong with you!
Product: Checking or savings account

How XXXX  is this?? XXXX  is the only appropriate word to utilize in this complaint against W.Fargo and their XXXX Complaints Management office. 
I have ben experiencing tremendous identity theft since XXXX XXXX. I had everything in place to prevent what W.Fargo allowed, specifically my W.Fargo accounts were disabled and deactivated by myself. Still W.Fargo allowed identity thieves into my Retirement Savings and Checking account to steal {XXXX}. Identity thieves took over my accounts and W.Fargo would not help me get back into my accounts, and to this day, I still have been unable to access my W.Fargo accounts.

W.Fargo determined that 41 transactions were fraudulent which totaled {$XXXX They replaced {XXXX} without notifying myself ( the account holder ) - and the identity thieves stole this also- for a total of XXXX  These identity thieves have my Personal Info. through a XXXX XXXX XXXX XXXX XXXX. Wells Fargo is aware of this- yet W.Fargo continues to allow these thieves to pass their so-called authentication process!!! Any current W.Fargo accounts in my name were not opened by me- nor do I have access to these W.Fargo accounts.

I have made countless requests for W.Fargo to not put and replacement monies in these acounts, because they do not belong to me!! And W.Fargo refuses to mail me a Cashiers Check for my monies and close these bogus accounts. And W.Fargo recently replaced XXXX}. 
XXXX more into one of these bogus accounts, and still refuses to mail me a cashiers check for my money. 
And again, I repeat my first sentence : How XXXX is This??

W.Fargo has a habit of financially rewarding Identity thieves over and over and over. Meanwhile, the customer reaps the consequences of this XXXX  Behavior @ @ @
Product: Checking or savings account

I was sent a fraudulent email that appeared to be from XXXX, banking services, that in order to release the funds to be deposited into my bank account in payment for product i had listed, i needed to refund the amount overpaid by the buyer to the XXXX account. Rather than return {$500.00} from the {$1000.00} refund purportedly sent to my account, however, the {$500.00} dollars was taken from my checking account with no payment deposit. I called the number on the fraudelent email to report the incident to find that i was speaking to a scammer, attempted to cancel the transaction, and was told that the funds were already available in their account and could not be returned. I have not consented to this money being taken from my account, and was simply returning an overpayment that i never received to my own account. USAA has not further investigated the fraudelent claim and the scammer- who took money from my account without my consent- is now withholding my money and i am being told there is nothing we can do to retrieve it, despite having all of their XXXX account information where the money had been sent in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute via phone to Transunion to correct this information so it can accurately reflect on my credit report. 

I received a copy of my credit report and I am disputing some items that need to be corrected. The following 3 accounts WERE NOT DISCHARGED in my Chapter XXXX bankruptcy. Please add these accounts back to my credit report. Please correct the balances (the balances are NOT XXXX). Please correct the date closed (these accounts are still open). Please remove the remarks (accounts were not discharged in Chapter XXXX bankruptcy). 

#1: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX
 
#2: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date Closed: XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX 

#3: XXXX #XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX Date Opened: XXXX Responsibility: Individual Account Account Type: Installment Account Loan Type: STUDENT LOAN Balance: $XXXX Date Updated: XXXX Last Payment Made: XXXX High Balance: $XXXX Pay Status: >Account Included in Bankruptcy< Date ClosedXXXX XXXX Remarks: >CHAPTER XXXX BANKRUPTCY< Estimated month and year that this item will be removed: XXXX

These are federal student loans debts that WERE NOT discharged in my Chapter XXXX bankruptcy. My bankruptcy was discharged in XXXX. Until last week  the above accounts were reflecting correctly (correct balances and open accounts and not discharged) . Due to the actions of Transunion of inaccurately closing these accounts my credit score dropped 80 points.
Product: Credit reporting, credit repair services, or other personal consumer reports

i contacted transuion and explained to them that i had a number of unauthorized inquires on my credit file and they refused to delete them as requested by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to Executive Order 13892, Sec. 8 ( a ) - it is a requirement for agencies to comply with the provisions of the Paperwork Reduction Act, section 3512 of title 44, United States, and section 1320.06 ( a ) of title 5, Code of Federal Regulations, applicable to collection of information ( other than those excepted under section 3518 of title 44, United States ). Equifax violated my Rights as a Consumer.
Product: Debt collection

I received a negative credit report alert, approx1-2 yrs ago, of an outstanding balance ( {$370.00} ), for an apartment unit ( XXXX ), that my wife and I never leased, out of XXXXXXXX XXXX We have never been/lived, nor have I ever leased an apartment unit in XXXXXXXX XXXX My wife and I, have always lived in XXXX XXXXXXXX XXXX ; I have been trying to get it resolved, for the past year, or so, to no avail. 

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
Product: Checking or savings account

SITUATION : XX/XX/XXXX blocked, XX/XX/XXXX closed. My newly opened checking account was suddenly closed by the fraud team. I've been a Citi credit card customer for years. 

BACKGROUND INFORMATION : 1. On XX/XX/XXXX, I saw a bonus offer for opening a checking account. I tried doing it through the Web. The web crashed in the mid. When I tried again, the offer won't apply. 
2. So I called to open the account and asked for the offer. It took one hour or so. The agent told me I would need to provide utility bill or something to prove my address later. 
3. In mid XXXX, the card not arrived yet. I moved at beginning of XXXX. I asked my friend still living at the old address to check the mail. So I called Citi. The agent told me the card mail was returned by post office because the address in Citi system does not have an apt number. But I obviously had provided my apt number in the call. and I was told to wait after 30 days to request a replacement card. 
4. 30 days after I opened the account. I called for an expedited replacement card. 
5. I received the card. Then I realized I had no PIN. Then I called again for a PIN mailer. The previous agent didn't told me I would need a PIN mailer, nor did he tell me there was an expedite fee. And the newly opened account was overdrafted. 
6. I also got to know I'm not eligible for the bonus offer because I didn't fund it within 30 days. I don't have any account information until I receive the card. How could I fund it? 
7. At early XXXX, the account was linked to my online banking. Then I tried to pull money from XXXX XXXX. I was told there is a block on my account. I was required to submit some docs. That's OK. But it asked for both a utility/statement and a paystub, which was not told to me when I opened the account and not necessary for a checking account in my opinion. I called the department for new account again, the agent assured me it should not ask for paystub. I can just ignore that part or upload a blank document. I followed his advice and only provided a bank statement. This is likely the reason of closure by fraud team. But the docs passed requirement by the new account team. 
8. It seemed fine after I uploaded the docs. The money transfer was completed. But then on XX/XX/XXXX, the account was first blocked and then closed. When I call the fraud team. They wouldn't provide any information but just ask me to wait for mail. 

I don't even know whether the mail would make it to me or not since I'm not sure whether my address is corrected in citi system. If everything worked out correctly, I would spend weeks waiting for the mail and get my money back. But I didn't do anything wrong in the whole process. 

What CITI did WRONG : 1. The first agent didn't put my address correctly, causing me to wait for extended time and lose eligibility for the bonus. 
2. The agent for expedite card didn't provide me complete information and didn't remind me about the fee. 
3. The agent provided me with wrong information about verification documents.
Product: Credit card or prepaid card

I bought swimming pool motor from a company at XXXX but the motor has stopped after four month and since the motor has one year warranty I talked to the company about it, they said I should talk to the manufacture company XXXX XXXX XXXX XXXX, I talked to the Manufacture about the case and they told me the seller company should contact us all warranties work through the seller companies and I forwarded their email to the seller company and the seller company repeated the same answer " we can't do anything contact with the manufacture '' they said.And then I disputed this amount of purchase which is {$190.00} however Discover card found this charge valid despite i sent them all the needed documentations.