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

I had multiple overdraft charges at times over XXXX. I closed my account after multiple calls overdrafts nsf fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a request XXXX XXXXXXXX XXXX  for an alleged debt they reported on my credit report. They received this information request on XX/XX/XXXX and as of today, XX/XX/XXXX I have not received any sort of correspondence pertaining to my request at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The file reported is inaccurate and erroneous and is leading to a negative impact on my file. 
3 credit bureaus are required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below ; XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/22 Balance : {$0.00}. I respectfully request that XXXX credit bureaus would take a step to update that wrong information from my report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By submitting this complaint, the Credit Bureaus must comply with my request either by proving that the information is accurate or remove the actions of their bureau.
Product: Credit reporting or other personal consumer reports

See the attached documents. 
WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?
Product: Credit reporting, credit repair services, or other personal consumer reports

MY INFORMATION WAS USED TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I DID NOT OPEN THESE ACCOUNTS THEY DO NOT BELONG TO ME IT IS NOT MY DEBT I am writing to request and initiate a formal complaint against Equifax, XXXX   and XXXX  XXXX. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and am submitting this complaint myself with no third party. I, XXXX XXXX XXXX, consumer and sentient original creditor have never provided approval for any of my information to be shared with any third parties. XXXX has wilfully neglected to abide by the Fair Debt Collection Practices Act. Stated in USC 1681 FDCPA : the entire banking system is dependent on an accurate credit report. I never gave XXXX any permission to furnish or report anything to the consumer report associated with XXXX and is in violation of USC 1681 ( c ). My identity was stolen by XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. For years, I have been battling with getting the information off of the credit records by providing the police reports which has caused me to lose my home, many business opportunities and my XXXX XXXX
Product: Debt collection

FRANKLIN COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you FRANKLIN COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : FRANKLIN COLLECTION or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # *********** DOB XX/XX/XXXX ADDRESS XXXX
Product: Bank account or service

Wells Fargo has withdrawn a $ 30 monthly fee from my checking account since XXXX 2014 without my permission. I have only recently been made aware of the withdrawal. Wells Fargo insists they can only credit me for 90 days and will not return the remaining balance of {$150.00} to my account.
Product: Checking or savings account

Sofi Bank sent me an email stating that they had restricted my account because I had an incoming wire and needed access to the funds. Sofi does not have a brick and mortar bank and as such limits customers to withdraw {$1000.00} per day so as soon as I started withdrawing my funds ( 2 days ) after the domestic wire cleared my account the email was sent. I immediately contacted Sofi banks customer support number and got a lame excuse about their back office will contact me in a day or two I said " If I do not get a call back by the end of business today '' I will be filing a lawsuit in the XXXXXXXX XXXXXXXX minutes after the conclusion of that call I get a call from there " Member Security Team '' the lady helping me asked if I had made the atm withdraws I said yes then in a move I've never heard of she asked me who sent me the wire I told her it was a friend who owed me some money and then she proceeded to ask me for their phone number so she could confirm this person sent the wire ... I don't even think that is legal but I furnished the information to her. I really think SOFI is over reaching and I find it unbelievable that on suspicion they can restrict an account owner from accessing their funds. This seems completely wrong on multiple levels.
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 : 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 has violated my rights. Or list of inquiries 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Franklin Collection Services is trying to collect a debt of {$1100.00} from " XXXX XXXX XXXX '' that I have no knowledge or am aware of. I am very aware of my rights and the Fair Credit Reporting Act. I demand that Franklin Collection Services provide documented proof ( My signature on a contract with them or XXXX XXXX XXXX ) that shows I had any sort of business with them. Otherwise I am prepared to take full legal action against Franklin Collection Services for illegally trying to collect a debt from me that I do not owe.
Product: Vehicle loan or lease

Santander USA, harmed not only one veteran credit but two. We  paid the vehicle entirely, online. And they repossessed the vehicle and didn't clarify, that by me turning in the vehicle for emergency reasons, that mine and my brothers credit would be affected. Santander USA is doing unethical business practices. 

I was always on time with my car payments and never missed one payment, in the time i owned my car. I had a personal emergency, that caused me to turn in the vehicle, if i would of had better advice than that i would of sold the vehicle. 

So not only, did Santander repossessed the vehicle, i was paying on time which i turned in, they ruined my credit and my brother 's credit, they sold the car, and the money they made out of all the payments i made, and on top of this, they want the full amount owed. 

This is after we had a conversation, and now both myself and my brother who had XXXX credit scores, have bad credit and debt because of this business unethical business finance practice and XXXX XXXX manipulation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Creditor : XXXX Amount : {$890.00} Collection Agency XXXX XXXX XXXX sent to my parents home address in North Carolina. This is my US address and I moved to XXXX with my husband and family in XXXX Sent all documentation of proof of my XXXX address, Passport, Permanent Resident Card, Utility bills and followed XXXX  ID Theft Claim Process as was advised Called all three credit agencies and out a fraud alert account Spoke to someone at FTC, but was not able to file a report or police report due to be in XXXX and no idea who has my Social Security number I was given information that the address was used XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Illinoisn XXXX for the months of XXXX XXXX ( I have lived in XXXX, XXXX, XXXX XXXX and bought my home in XXXX ) XX/XX/XXXX spoke to XXXX and was told XXXX was cleared up, however, it still appears on my credit agencies list of debts and is affecting my credit rating. 
XX/XX/XXXX Creditor : XXXX XXXX Amount : {$650.00} Collection AgencyXXXX XXXX Letter sent to my parents home address in North Carolina , I called XXXX XXXX and explained the situation, they asked me to fax over proof of my address in XXXX and ID documents etc, which I did. I also sent the XXXX information. 
XXXX XXXX made me aware it was the same address in XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX I thought I had taken all steps to recify this situation. I was not able to file a police report. I do not live in the US. I live in XXXX and it has been Covid. I have no idea who is commiting these crimes. I called all three credit agencies and the FTC and put all alerts on. However, in XXXX of XXXX, I just recieved a new collection notice. 

XX/XX/XXXX Creditor : XXXX XXXX  Amount : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX A letter was sent to my parents house in North Carolina in XXXX, XXXX addressed to me. 
I called XXXX and they made me aware this was the SAME address in XXXX ... this person is still using my Social Security Number for over 2 years to open accounts. 
They opened XXXX XXXX on XX/XX/XXXX, XXXX XX/XX/XXXX. 
The address is XXXX South XXXX XXXX XXXX  XXXX, XXXX IL XXXX I called XXXX and let them know. 

Can you please help me?? This is severly affecting my XXXX XXXX I want to cancel my Social Security number.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy - Federal - XXXX Violated my rights .... 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

Everything has to be 100 % accurate on my credit report and Under 15U.S. Code 1681e ( b ) and U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against Comenity Bank regarding their failure to respond to my dispute. 

On XXXX, I mailed a dispute letter to Comenity Bank to formally dispute the accuracy of the reported information related to my account. As supporting evidence, I included a copy of how this account appears on my credit report. Despite my efforts, I have not received any response from Comenity Bank to date. 

As a consumer, I have the right to dispute inaccurate information reported by creditors such as Comenity Bank. Their failure to respond to my dispute is a violation of my rights and the guidelines outlined in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are all reporting transaction history on my consumer file. 15 USC 6801 and also there are numerous of inquiries that I didn't authorize on my consumer file. I want them all deleted.
Product: Credit reporting or other personal consumer reports

Hard inquiries on my credit report. The companies have no knowledge of my information on file. I provided them with my name, DOB, social security number, contact number, and address. With all the information they couldnt find me in their system. Was even connected to different departments and yet to be found in their system.
Product: Debt collection

I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.
Product: Credit reporting

I have XXXX items on my Equifax credit report they will not remove, I have disputed all XXXX by calling and sending them a letter. They still refuse to remove these items from my credit report. They have only posted comments, ( Consumer disputes this account information ), but when I apply for credit I am denied because of these items on my credit report. 

The XXXX item I did file a bankruptcy back in 2006. The law says after 7 years of the date of filing a chapter XXXX bankruptcy it is to be remove from a credit report. As you see Equipfax still has this bankruptcy on my credit report 9 years later. 
Filing for personal bankruptcy is that, under the Fair Credit Reporting Act, a record of this stays on the individual 's credit report for up to 7 years for Chapter XXXX ( up to 10 years for Chapter XXXX )
Product: Money transfer, virtual currency, or money service

I contacted Remitly ( WR ) in XXXX, XXXX, XXXX and XX/XX/2023 about a fraud transaction involving an individual XXXX XXXX from XXXX that stole my {$500.00} taken out of my checking account on XX/XX/XXXX and XX/XX/XXXX that was intended for an business transaction. Each time I contact the organization, they rudely pretended that there are no transactions that matches the description and that they were going to follow-up with an investigation but did not. Today, I called and finally got an individual to admit that the transactions was in their system. It is my belief that they encourage this sort of actively evident by the refusal the follow-up with these fraud charges. I contact the organization prior to sending the money to ensure that this was legitimate and they verified it was. I also sent several emailed but again, I am unable to get a response. Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, TSI/940 has charged my account for someones elses bill. XXXX had my infomation on file and a teneat was occupying the property and the bill was in there name at the time I was billed. I never recived any bill because it was not my responsibly. The bill is paid off in full and I called spoke to a rude supervisor who finally resolved the issue and said she update dthe account and it would be deleted off my reporta and transfered to the old tenats responsible. This wa in XX/XX/2018 it still is reporting to my credit report.
Product: Debt collection

Used XXXX of my Capital One Credit Cards to purchase XXXX gift cards at XXXX XXXX in XXXX California, yet when using that purchased card ( and amount ) to load the value into my XXXX account it showed as no value on the card. I'm aware of, and received notice, of a class action settlement for using debit or credit cards at XXXX ( http : /XXXX/, XXXX v. XXXX XXXX XXXX XXXX and am concerned about both the initial issue, as well as XXXX 's response when I made them aware. I took the card, and receipt, back to the exact location it was purchased was asked to leave my name and number, and the clerk made a photo copy of all the documents and said someone would call the next day. The next day passed, and then the following day I followed up again, in person. Again, I was asked to provide my name and number, and they still didn't follow up are offer refund for a faulty product they offer. It's been several days beyond that point and still they have not follow up on their statements or promise. 
I've alerted Capital One of the issue, and am looking for resolution.
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 : STATE OF MI OFFICE CHI : Account Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$2100.00} Account Name : XXXX XXXX XXXX : Account Number : XXXX : Balance : {$1900.00} 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 agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I received a call on my cell phone from a XXXX XXXX XXXX phone number XXXX. The person gave their name of XXXX XXXX and asked if I knew XXXX XXXX in TX? I said I did not. He told me that XXXX was trying to access my bank account to send money to his XXXX account and that he could step me through ways to cancel the payments. He then stepped me through my XXXX, Venmo and XXXX accounts to " cancel '' the payments, but he was actually sending money to someone's email address. I was able to work with XXXX XXXX XXXX to stop payment on all transactions, but Venmo doesn't accept stop payments. They send the money to the person up front and then want me to reimburse them. They have locked my account and said they will send me to a collection agency if I don't pay the XXXX I owe them. I don't understand, with the raise in scams, why this is their practice. I tried to block XXXX XXXX and report him, but Venmo has no easy way to speak to someone if you have an issue. I will not do business with them ever again and don't intend on paying the XXXX I was scammed out of.
Product: Checking or savings account

Simple Bank transitioned to BBVA with months of reminders and weeks of customer preparation. I have not been able to speak with someone at BBVA to gain access to my account since transition day, Saturday XX/XX/2021. I have called multiple days and been left on hold for hours then hung up on. 

My debit card still works but I have no idea the amount left in my account nor the ability to speak with anyone to discuss anything at all. 

I want to close my account with them and transfer to a credit union but its day 5 and looking like I wont be able to until next week.