23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I obtained the XXXX Payday loan from the XXXX XXXX XX/XX/XXXX, I paid biweekly payments of XXXX through the end of XXXX, I ran into financial difficulties the beginning of XXXX with payday loans, using short term debt to cover long term debts since my job went from full time to part-time, by the middle of XXXX I was in over my head and requested lenders to seize ACH Debits from my account, I could no longer afford all of my bills. I sent letters to letters explaining my situation, The Cash Store never responded nor tried to contact me, from XXXX we went through years of difficulties from job losses, to ill parents, to moving to another state, deaths, etc ; therefore, in XXXX my husband and I filed a Chapter XXXX Bankruptcy to include all debts. I haven't ever been contacted by the Cash Store until the beginning of this year XXXX, a third party company ( XXXX XXXX/XXXX XXXX XXXX ) on behalf of the Cash Store , first contacted me at my employer XX/XX/XXXX and 2 or 3 times a day every since. I related to them over and over that I filed a Chapter XXXX Bankruptcy in XXXX and it was discharged XX/XX/XXXX, Ms. XXXX stated she had a copy of my bankruptcy and the debt wasn't included, she told me the debt was taken out in XXXX and ended in XXXX. She threatened me on several occasions that she was going to garnish my wages. I requested her to stop calling my employer that I would be fired if she continued to call but she insisted that she could call as much as she wanted since I owed her. The calls never stopped, they even contacted some of my coworkers trying to reach me. On XX/XX/XXXX while at work I got a call that showed up on my caller ID that appeared to be XXXX County Court so I answered and another individual stated she was calling to verify my employment to start garnishment procedures. I hung up, went to my vehicle and called Ms. XXXX and pleaded with her not to garnish my wages and to please stop calling my employer, she continued to threaten me stating that she was going to have a Sherriff serve me a work, I begged her not to do it and she said the only to prevent it was to set up monthly payment of XXXX ( XXXX ) for six months. To stop ( fraudulent, which I didn't know ) court proceedings and harassment at work I agreed to the payments, she took my bank card information and set up monthly payment for XXXX per month for the XXXX of every month starting XX/XX/XXXX, I borrowed cash from my relatives to ensure I had the cash in the bank on the XXXX ; however, the bank returned the cash it was flagged for fraudulent reasons. I contacted Ms. XXXX right away and told her the bank rejected the payment and I was going to report her to the FBI and she said I'm still on her docket to be sued and my wages garnished. I NEED THIS TO STOP ASAP. The name of the company that showed on my bank account is XXXX/XXXX  XXXX ; however, the payment agreement has the company name as XXXX XXXX XXXX , the person that's been threatening me is Ms. XXXX, her phone number is XXXX. They also contact me at work from XXXX and XXXX 2 or 3 times daily.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX collection accounts reported by XXXX XXXX XXXX which has been identified as fraudulent. These fraudulent accounts have negatively affected my credit report. I have listed the details of the accounts in question and also attached a credit reporting showing proof of these fraudulent accounts. 

XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$620.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Amount : {$690.00} These accounts have caused multiple fraudulent inquires and collections on my consumer report. I have listed these fraudulent collections as reported. These accounts were not made, opened or initiated by me at all. I ask that you and TransUnion reporting agency block all reporting that is a result of identity theft within XXXX business days of receiving this complaint. I have attached the number of my FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the Federal Trade Commission that all collection accounts are the result of identity fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. 

XXXX XXXX  XXXX ACCOUNT NUMBER : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Debt collection

There is an account listed on my credit file National credit Systems show for {$720.00} this is unknown and I have disputed with NO verification received. I want this removed off of my credit file ASAP.
Product: Checking or savings account

I have been a Chase Customer for over 10 years. I usually send wire transfer to my family abroad through the bank lobby. But on XXXX/XXXX/2020, I was turned away at the bank and asked to send the wire transfer by myself using the Chase App. The reason given was that my branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Texas was temporarily closed and other bank lobbies were closed due to Covid-19. And so I was forced to attempt this transaction by myself for the first time without any help or tutorial videos. The wire transaction details are as follows : Wire Date : XX/XX/2020 Wire Amount : {$400.00} Wire Transaction # : XXXX Wire Reference # : XXXX Unfortunately while conducting the transaction, I entered the recipient 's account number wrong. I noticed this immediately after I sent the wire. Since Chase Bank disclosure on the website allows corrections to be made within 30 minutes of sending a wire transfer without any fees or penalty, I immediately called Chase Bank customer service and requested an amendment to my wire transfer to correct the error. The XXXX # for that phone call is XXXX. I was told by the agent that someone from the Wire Department will reach out to me within 24 hours to validate the request. By the end of the next day I did not hear from anyone at Chase Bank so I called again on XXXX/XXXX/2020 and was advised by another agent to re-file my amendment request ( Phone call XXXX # XXXX XXXX. Again I was told that someone from the Wire Department will call me. No one did. On XX/XX/2020 I called Chase Bank yet again and was advised by another customer service agent to wait a few more days to hear back from Chase XXXX XXXX call XXXX # XXXX XXXX. Again, no one called or emailed me from Chase. Finally, on XXXX/XXXX/2020, I called Chase Bank and demanded to speak to a Manager. I requested an escalation of my issue and she did XXXX XXXX # XXXX ). Since then, the only communication I received from Chase Bank was an online secure message telling me that the transaction can not be amended or reversed, but without telling me how and when my money will be returned to me. I need my money and fees refunded.
Product: Credit card or prepaid card

Discover closed my account for know reason upon getting approved of the credit card they took me through various verification process I supplied my bank statements proof of address and paperwork from irs validating my identity exc. I barely use card and pay on time for 3 months as covid19 approach they paused usage of card and ask me to sign a release form from irs from filings of XXXX being that irs was shut down and they werent able to get verifiable information they ask me to submit 3 months bank statements for verification I submitted and I noticed through XXXX  that they flagged account saying its closed. With know explanation.
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX concerns regarding Zelle 's 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 XXXX me that i overing lost fun : XXXX XXXX '' impossible and that tracking these transactions was unfeasible. The CFPB 's 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. identify you and your account. 
lawsukhighlidoting fidant foues 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 was unfeasible. The CFPB 's XXXX indicate XXXX XXXX has not XXXX 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

on my 3 credit reports shows 3 inquires from Capital One Bank that i do not recognize. 

Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX Cap One Inquiry from XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I called Capital one about few charges in my account that was not mine.. I went through all charges and had credit of {$330.00} ... some of the credits came off of my account but not all. I got this card to rebuild my credit. I have made payments on time and even got higher spending limit. I have received my new card. Online it shows my card as not having available credit. I told the lady in the phone what was going on. My info, cards, checking was being used by someone other then me.
Product: Checking or savings account

My checking account was compromised and monies removed without my knowledge. The fraud committed was at four branches of the Bank Of America on the same day in Georgia. Person or persons withdrew {$18000.00} over four times in the same day. Based on the bank records Tellers paid the person or persons in cash from the four Georgia locations. Where was the security and bank due diligence? The account is located in XXXX at the XXXX XXXX location. I filed a fraud claim and the Bank Of America denied it. They gave away my money without a notice to me or a challenge to the fraud person. I 'm in XXXX and someone is stealing my money in Georgia and the bank did nothing. The next day I viewed my account and went to the branch office and filed a fraud claim. My wife and I gave them our debit cards and the office manager disposed the cards and we closed the account. I have filed an appeal to their decision and awaiting a final decision to my appeal. In the mean time I have filed a police report and will taking additional steps until this issue is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a refinance loan on a property with XXXX XXXX in XX/XX/2020. My credit report was pulled for the first time with my consent in XXXX. Three months later, due to completely unprofessional conduct in regards to proceeding with my loan application ( Covid slowed the process down by a bit, but not to the extent that mine was delayed ), the credit inquiry was close to expiring. On XX/XX/XXXX, I emailed the loan officer specifically about making sure my credit is not pulled a second time, and I was assured it wouldn't be. On XX/XX/XXXX it was pulled via XXXX XXXX a second time, this was without my consent. Since XX/XX/XXXX, I've repeatedly requested to XXXX that this inquiry be removed from my credit report. They have not done so. ( At five months into the process on XX/XX/XXXX, I had no choice but to move on to a different lender, since XXXX still could not get to the point of closing the loan at the agreed rate and closing costs that I signed off on in XXXX, and it was clear that proper and respectful customer service was not a concern for them. ) Since it was pulled again in XXXX, my credit score has dropped 20-plus points due to that new inquiry. I was told by XXXX at the beginning of XXXX it would take 10 business days to remove. It's been over 50 business days, and after having yet another conversation with XXXX about it, it was clear it is not a priority to get it resolved, at my expense.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer ID : XXXX Chex Systems INC XXXX XXXX XXXX XXXX, MN XXXX ID TYPE : Drivers License ID # : XXXX SSN : XXXX I am writing to request an investigation of the following information that appears on my Chex Systems XXXX report. I have never opened or used the following account numbers or inquiries : Bank : XXXX Bank ; XXXX XXXX XXXX, XXXX, PA XXXX ( Date of closure : XX/XX/XXXX ) Routing : XXXX Account : XXXX ; Routing : XXXX Account : XXXX Inquiries : XXXX XXXX A Part of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Citizens Financial Bank- XXXX XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX- date XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX XXXX union- date XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX- date XX/XX/XXXX XXXX XXXX- date XX/XX/XXXX
Product: Debt collection

Upon checking my credit today, XX/XX/2022, I found a debt collections account open. I was never noticed or contacted about any debt or debt collection for {$120.00} with ConServe. I don't even have access to pay it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$410.00} ; XXXX XXXX XXXXXXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Product: Mortgage

I fell behind on my mortgage and applied for a refinance/bailout with M & T bank. I was approved, signed/notarized all the documents, and returned them to the bank XXXX 2015. I apparently missed a signature page and M & T resent the documents without informing me. Someone signed for the documents that does not belong to my household. I have personally experienced mailmen and UPS people switch the numbers of the house and deliver other peoples mail to me. I tried to express to M & T that it was not me who signed for the documents. but they will not resend the documents to me. Instead, I need to reapply.
Product: Checking or savings account

More than XXXX months ago Bank of America changed the PIN number of my debit card without without any previous notice. About XXXX weeks ago I contacted Bank of America and asked them to provide me the new PIN number because Bank of America was asking me for the number in order to process wire transfers to other bank accounts. The Bank of America representative told me that I had to stop by a BoA branch in order to reset my PIN number. I told him that I was residing abroad and that I could not travel to the US just to reset the PIN number of my debit card. The BoA representative told me that they were going to mail the new PIN number via regular mail but I asked him to mail the new PIN via express mail because BoA was asking me the PIN number to process a wire transfer. The BoA representative refused my request and reiterated that they were going to mail the new PIN number vial regular mail. I have been waiting for more than eigth weeks for the new PIN number but new the PIN has not arrived yet. Not having the new PIN number of my debit card is very inconvenient for me because I can not make payment or transfer funds from my account at Bank of America to other bank accounts. 

I will appreciated if you look into this matter and help me to resolve the problem with Bank of America.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

Citibank continues to not allocate my payments to Promotional Balances as requested through their credit services app.

I made 1 purchase online with Home Depot and Citibank fractured the balance into 6 separate Promotional balances. I requested Citibank to just combine into 1 balance as all are due on XX/XX/2024. Citibank refused. 
I have managed to pay off 4 of the balances leaving 2 balances. Citibank again fractured the account back ( Citibank has done this twice now ) into 4 separate balances.

I just made a payment to payoff 2 of the 4 balances and the minimum amount due on the account. Citibank did not allocate the payment as instructed and I still have 3 different balances.

I am a senior citizen and I believe they are making this difficult to pay off by creating separate balances so that I will owe the interest that is deferred until all is paid off. This is a scam and they are harming the consumer. I feel so stressed and sick by this fraudulent practice of Citibank. Please help as their customer service representative was extremely rude and yelled at me.
Product: Credit reporting or other personal consumer reports

Around XXXX I had a legal name change. Uploaded the documents to Experian at XXXX XXXX XXXX  Which at the time had the option for Legal name changed. It has been almost a year, they apparently can't find the files. They refuse to accept the original way of uploading or an email.
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS ISN'T ME. PLEASE SEE ATTACHED.
Product: Checking or savings account

Hello, On XX/XX/2022 at around XXXX XXXX  while I was at work, I received a notification that a {$400.00} atm withdrawal occurred from my chime debit card. The second I got the notification I locked my card on the chime app and then I got a second notification that another transaction of {$140.00} was attempted but could not go through due to me locking the card. I immediately called my bank chime and told them I did not authorize this transaction. In the midst of being on the phone I also verified that I still had my debit card. I spoke with XXXX at that time and she told me that she canceled my card and will be sending me a new one but that I had to wait until the transaction settled before I could dispute it. So I waited until Monday when the transaction finally settled and called Chime back and disputed the amount. Within a matter of hours they decided that the transaction was valid and that they were dismissing the case. Once I got that email that they were dismissing it, I called them back and they told me I had to supply evidence that could help support my rebuttal. Im not sure what information they needed so I wrote them a letter of what happened as they requested. They opened the case again then denied the case again same day. I sent them photos of how far the location was from me ( which is about 45 minutes away ) and they still denied my claim. I have most recently sent them my time card with my clock in and out hours proving I was at work at the time the transaction happened and they are still denying the claim. Theres no way I could have done this if I was at work. I can not be in 2 places at once. I never even been to the location the transaction happened. I have been trying to contact the owner but to no avail. My next step is to drive down there and see if I could get some footage of whoever was making a transaction at that time, but I should not have to be the one to do all of this investigation. A bank is supposed to protect my money and they are not. I just want my money back!
Product: Checking or savings account

Complaint already filed in regards to USBank access to mobile banking. They closed it stating that they locked my out on XX/XX/XXXX and after complaining open it XX/XX/XXXX. On the date I was able to get in line. The very next day again and still of of today XX/XX/XXXX I still can not gain access on mobile app. I have not used a VPN since this date. Why I am still getting the message there is a problem on our end. It shouldnt last long so please try again shortly. I reported no fraud and have not had fraud yet they decided to lock out my accounts. I am begging to have my access to my accounts. This is not right. 

Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/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: Debt collection

I have been falsely alleged that I owe over {$20000.00} in student loans in the year XXXX, and XXXX and XXXX. 
Fed loan alleges XXXX XXXX College for imputing the information. 
Can you help please?
Product: Credit reporting

The collection agency reported to the XXXX that they 're report is accurate and it was not included to the Bankruptcy.