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

XXXX XXXX has a Free Checking Account ending XXXX. This account was opened on XX/XX/2022. On XX/XX/2022, he deposited a check into the account, in the amount of {$4500.00}. He also made a withdrawal in the amount of {$120.00}. Prior to the check being deposited ; his account balance was {$1.00}. After the deposit of the check his account balance had been {$4400.00}. The following day he made a debit card transaction in the amount of {$2500.00}. The transaction was with XXXX XXXX XXXXXXXX on XX/XX/2022. XXXX XXXX XXXXXXXX approved the withdraw and the plaintiff has never withdrawn any money from gambling account bankroll with XXXX XXXX XXXX XXXX. After this transaction had been processed the remaining balance left from the deposited check was {$11000.00}. Afterwards he attempted took withdraw more money and learned that restrictions had been applied to his account preventing his from processing any more withdraws. Additionally, he learned that the check had been returned to sender rather than allowing the remaining balance from the check in the amount of {$1100.00} be received and made payable to him therefore the sender XXXX XXXX discrepancies with the accountholder would be with merit therefore resulting into liability of the accountholder. However, the account holder should not bear any responsibility nor liability of the funds of the check wherein the only monetary value in which he actually received had been a withdraw in the amount of {$120.00}. The plaintiff needed the entire amount of the check, or it was useless to be used in the way it had been as the {$2500.00} deposit into XXXX had stayed with XXXX. Finally, Dollar Bank has valued the account holders free checking account at a negative balance of {$2600.00} with additions too late fees. Since this issue hasn't been resolved thus caused closure of the account. Either the remaining balance of the check should be made payable to the account holder XXXX XXXX or the entire check amount of {$4500.00} minus the {$120.00} withdraw equaling {$1400.00} should be made payable to XXXX XXXX. As the check had been expired when accepted by Dollar Bank and negligently deposited into the account holder 's free checking account the account holder should either receive the whole check or no check at all. No regulations allow a portion of a check made payable to an account holder to be seized when the issues of the check had been brought to the attention of the bank before depositing.
Product: Debt collection

The first call came about 1-2 weeks ago from Revenue Group claiming I owed a medical debt for the XXXX XXXX. I told him it was an error, and I told XXXX . XXXX then to Stop Calling Me, and even prefaced Stop Calling Me with the statement of Now That I'm Saying This You Must Abide ... STOP CALLING ME. 
He called again today, XX/XX/2018 at XXXX. I recognized his name, XXXX. I reminded him that I already told him to stop calling. He says " well i don't see anything in my notes ''. I told him It's not my fault if he neglected to note that, and now he's in violation of federal law. He tried to argue with me, but before he could I told him to XXXX XXXX and hung up. 
Those calls are on a recorded line.
Product: Credit reporting or other personal consumer reports

Im concerned about having no negative effects on my credit yet trans union moves me from exceptional credit rating to very goodwith nothing to list as a reason
Product: Debt collection

I have an account on my credit report from collection agency Caine and Weiner whom I never opened an account. The account # is XXXX the original creditor is XXXX it was open XXXX the balance owed currently is XXXX and was updated XX/XX/year>. 
This is not my debt I would like to see XXXX of debt assignment, copy of payment from creditor, a copy of original contract, and factual dispute to credit bureau. If can't provide documents delete account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX Date of inquiry XX/XX/2021 XXXX XXXX  Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX  XXXX XXXX Date of inquiry XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021
Product: Credit card or prepaid card

I hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and XXXX XXXX and XXXX are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

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

On XXXX2020 I sent a letter regarding inaccurate and unknow things on my credit report. To this day ove 60 days later I have no received a response yet. I feel as if I am being overlooked and ignored of my disputes. Section 611 ( a ), it is painly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they must be deleted as soon as possible.t I demand these accounts be deleted immediately or I will file for litigation due to the stress poor time managemen. My information was impacted by the XXXX  data breach and may have got into the hands of the wrong people!
Product: Credit card

I am disputing the collection account with CREDENCE RESOURCE XXXX account XXXX dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CREDENCE RESOURCE XXXX provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Checking or savings account

From XXXX XXXX XXXX, I went on a trip and stayed in XXXX, Ohio. On the night of XX/XX/XXXX, my phone that had a cardholder on the back of it was stolen. In the cardholder were my license, metro card, and three cards. One was a credit card from XXXX XXXX, and the other were a debit card from Wells Fargo and a credit card from Wells Fargo. There was no cellular service in the area during my entire trip, so I was unable to log in to my bank account from another phone to shut off my cards. On the day of XX/XX/XXXX upon returning home, I was able to log into my bank accounts and saw that there were several hundred dollars worth of fraudulent purchases on each of the three cards. I immediately contacted XXXX XXXX and Wells Fargo to report fraudulent purchases on my cards. XXXX XXXX refunded me within the next few days. Wells Fargo also refunded me for the fraudulent charges on my credit card. Regarding my debit card, I reported 10 fraudulent charges that were made on my card totaling {$910.00}. Wells Fargo contacted me via email on XX/XX/22 stating that they had processed my claim. I checked on their website and saw that the fraudulent claim for {$910.00} was denied and the case had been closed. I called a few days later asking why this occurred and they reported that after reviewing the claim, no fraudulent activity was detected. And yet, Wells Fargo approved my credit card fraud claim. It makes no sense to me that they would approve one fraud claim on one card and not the other. My guess would be that whoever used my debit card got the vendors to run my debit card as if it were a credit card, meaning that they were able to bypass having to enter a pin number which only I know. Otherwise, they would not have been able to use my debit card. Also, the area I was in during my trip had thousands of vendors who had their own systems and devices for collecting card payments, which would have made it easy for whoever used my cards to continuously run my cards and have my debit card be charged as a credit card instead. However, I made it very clear on the phone when filing the fraudulent claims on both my debit and credit cards that my phone had been stolen with all cards in the cardholder in the back and that I did not authorize or make any of those purchases. I also explained that I did not have any access to cellular service during my trip which prevented me from logging into my account, shutting off my cards, and reporting the fraudulent charges earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the past XXXX months, I have had two Hard Inquiry from XXXX, I currently obtain no credit or purchase anything from this financial institution. I have attempted to call twice and they indicated nothing shows in there part at the same time this affected my credit score, Please advice what can be done in this matter
Product: Checking or savings account

There was a deposit into my account for a XXXX, capital one placed a hold on my account on XXXX XXXX. I have called several times and they keep giving me the run around, they have me leave a voicemail for a team that has only reached back out once. The team advised that the account would be closed and funds would be dispersed via a check however over XXXX year later I keep getting advised that the account is closed and that there is nothing they can do to get me the funds. The funds are not involved in any type of dispute and there is no money owed to the bank. Capital one is an online bank and I believe they are taking advantage of the fact that no one can come in branch.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am requesting again in regards to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXXXXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX ENTRIES FROM CONSUMER CREDIT REPORTS NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : XXXX debt buyer never informed consumer of debt purchase re-ages debt, falsely reports new account activity, as recent payment delinquencies and used same account number multiple times REMOVE ALL XXXX XXXX XXXX  FROM CONSUMER CREDIT REPORTS NOW
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX XXXX  It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within XXXX XXXX, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.
Product: Checking or savings account

On XX/XX/XXXX, I tried to withdraw the entirety of my balance at Marcus, {$14000.00} and transfer it to a separate institution. Marcus showed my " Available to use '' as {$14000.00}. 

I received a call on XX/XX/XXXX, and approved the transfer. 

On XX/XX/XXXX, despite approval, the transfer was reversed. Upon contacting Marcus via chat that same day, they told me to retry the transfer. I did. 

On XX/XX/XXXX, I received a call from Marcus saying they had to cancel my transfer because the funds have not been in the account long enough. This was despite Marcus saying that I had the exact amount available to use before I made the transfer. They also wouldn't say how long the funds needed to be in the account. 

Basically, Marcus is preventing me from moving all of my funds out, despite the entire time it showing that the funds were available to use and at one point, them telling me to make the transfer again.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts on my credit report, that I reported to XXXXXXXX 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 yet they are not removing these fraudulent accounts. They have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt. The followings are the fraudulent accounts : XXXXXXXX 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
Product: Debt collection

On the afternoon of XXXX XX/XX/2024 I, my wife, and mother, received calls from a company stating their name was " XXXX '' informing me they were under contract to find me to help serve me with a debt collections lawsuit pursuant to a bad debt from Zoca Loans doing business as Rosebud Lending. 

I filed a report with the XXXX XXXX Sheriff 's Office ( XXXX, TX ) Report Number XXXX XXXX XXXX Sheriff 's Office XXXX XXXX XXXX XXXX, Texas XXXX Report Number XXXX I am XXXX XXXX in the XXXX XXXX stationed at XXXX XXXX, TX ( formerly XXXX XXXX, TX ) and was part of the XXXX XXXX XXXX XXXX hack several years ago as well as XXXX. I have multiple fraud alerts on my credit and immediately checked XXXX, XXXX, and XXXX and did not see Zoca Loans or Rosebud Lending. I executed internet searches for Zoca Loans and Rosebud lending and called them to explain this loan was obtained using fraud and I did not enter into this contract. 

A service representative reportedly named XXXX stated they would not engage me despite my assertion this was fraud and I had never contacted Zoca Loans or Rosebud Lending before. XXXX stated Zoca Loans did not check credit and issued an {$800.00} loan under my social security number and sold the debt to XXXX XXXX XXXX in Florida and XXXX Loans would no longer communicate with me or help me resolve the issue because they sold the fraudulent debt to a debt collector. 

National Debt Holdings Certification Number : XXXX XXXX XXXX XXXX XXXX XXXX Certification Number : XXXX Phone XXXX ext XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Suite XXXX XXXX XXXX, FL XXXX Zoca Loans states it does not check credit and as a member of the US Military I am at risk for ID theft. I place alerts on my credit however Zoca Loans advertises it does not check credit and simply releases funds. https : //www.zocaloans.com/en/faq/ # contact-us-section Zoca Loans stated XXXX used a phone number I do not recognize to verify me XXXX Zoca Loans stated it used an email I have never used to verify me XXXX I called XXXX to find out if how XXXX can access this email and they will not allow me to access this email. 

Zoca Loans stated they transferred the funds to a bank I have never heard of and the bank states there is no record of my social security number of file for any account ( Rep XXXX XXXX at XXXX - XXXX XXXX name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank in NY and the XXXX XXXX. 

I did not apply for this loan. I did not submit identification for this loan. I did not consent for my information to be used for this loan. This is fraud and I believe this is a crime. I did not sign any document a reasonable and prudent person, business, or trained loan underwriter could assume is permission to tie me to this debt. Neither business entity can produce my legitimate email, my legitimate phone number, my signature, my banking information, or anything about me. This is fraud.
Product: Checking or savings account

Subject : Formal Complaint Regarding CITI Bank - Complaint # XXXX ( Additional Information ) Dear Officers of the Office of the Comptroller of the Currency, Iam writing to provide additional information regarding my formal complaint against CITI Bank ( Complaint # XXXX ). Iwant ot bring ot your attention aspecific incident that has caused me significant distress and financial hardship, further highlighting the inadequacies ni CITI Bank 's customer service and account management practices. 
On XX/XX/XXXX, Ideposited my tax refund into my CITI Bank account with the expectation that these funds would be available for my immediate use. However, to my astonishment and utmost frustration, on XX/XX/XXXX, CITI Bank froze my account, placing a hold on those funds pending verification from the Internal Revenue Service ( IRS ). 
The sudden freeze on my account by CITI Bank, without prior notice or explanation, has had severe consequences on my financial well-being. It is both disheartening and perplexing that CITI Bank would take such preemptive action without reasonable grounds or due process. Iunderstand the importance of financial institutions adhering to regulatory practices and combating fraud, but freezing my account on the mere basis of a tax refund deposit is unacceptable. 
Iemphasize that my tax refund is a legitimate source of income and does not warrant such extreme measures. Ibelieve it is CITI Bank 's responsibility to exercise prudence and diligence in evaluating customer accounts before implementing such disruptive actions. The repercussions of this account freeze have left me without access to the funds deposited, exacerbating my financial strain and compromising my ability to meet my essential obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit but do not belong to me. this info is fraudulent and i need it removed ASAP! 
I want this investigated and removed.
Product: Debt collection

I've been in dispute with XXXX XXXX with a debt that they think I've owed. The dispute started in 2019 when XXXX XXXX unilaterally changed the terms of service by changing the billing from prorating to monthly cycle. In my previous complaint to CFPB about XXXX XXXX, I presented my case and XXXX XXXX was not able to prove that it had communicated with me via any email, phone, in statements for paperless billing consumers or any other forms that are applicable to paperless billing consumers about this change and I wasn't aware of this change until I ended my services with XXXX XXXX. I disputed the debt and XXXX XXXX and I have been hung on this issue. Currently, XXXX XXXX has sold the wrongful billing statement to different debt collection agencies over the years and now I'm being harassed by different debt collection agency every year with a disputed debt Validation Letter and hence I now have to deal with said agencies. The new agency is IC, systems to whom the debt has now been sold to and despite explaining to them the issue, this process is not working and I'm afraid this debt with show up my credit report despite it being fraudulent. I, request, IC systems via CFPB to immediately cease any attempts to report this to credit agencies without further as this debt is fraudulent.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i Method of Verification and 1681a ( 3 ) ( e ), an investigative consumer report must contain accurate and complete information regarding a consumer 's character, general reputation, personal characteristics, and mode of living through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Furthermore, in compliance with FCRA, 15 U.S. Code 1681e ( b ) Compliance procedures, I am entitled to review this information for its completeness, accuracy, and appropriateness. 

I am highly requesting as a part of your investigation : Which Neighbor did personally interview?

Which Friend did you personally interview?

Which Associate did you personally interview?

The name of the original creditor The creditors ' address and telephone number.

The persons name they verified the dispute with The Valid documentation used to validate the dispute.

Also, the procedures your company has in place to ensure maximum accuracy with my consumer report.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried contacting Experian time after time after time about an item reporting on my credit file and every time they send me a letter saying the item has been verified without sending me proof of how they verified this item. My letters that I sent over provided detailed dispute requesting that they validate this item and send me proof that it 's my account along with the proof they received proving this. If they used real people to process and read a letter that I sent I think its clear that this item has errors that show it 's not a valid item its listed that its a 156 month term with a {$300.00} payment on an {$8600.00} loan it does n't take a rocket scientist to know that the math does n't add up and either Experian isnt really verfiing the info and are allowing wrong info to be reported which is a violation of the FCRA or my request is just being ignored which is also a violation of the FCRA. They should n't be allowed to continuously ignore consumers request and provide only half the info requested without showing proof of what info I asked for.