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

Hello, I had a bank account with XXXX and they sold the division my account was with to Citizens Bank they started the transfer of the bank accounts in XXXX, I was supposed to debit card at the end of XX/XX/2022. The accounts would be officially transferred to Citizens Bank on XX/XX/XXXX they were but I couldn't get into my account for days then I called and the line has been busy every since, then I call the lost card line and was told on XX/XX/2022 that I would get a XXXX of my debit card sent to me in 2-days, I have not gotten that card yet. Basically, I have no accessbiility to my money for over a month and 1/2 and the bank isn't offering any messages online to state what is going on.
Product: Debt collection

XXXX XXXX XXXX used the incorrect address when filling against me for damages in court. Therefore, I had no knowledge that I had the opportunity to defend myself before a judge in the court of law. Because I was never informed of the court date, I never knew I owed them anything until Sterling Associates appeared on my credit report. I contacted the company and they in fact confirmed that my name, phone number and address was listed incorrectly. At that time Sterling Associates then made me aware of what the charges were for. Charges were to cover paint, carpet and towel rack in the bathroom. I left a {$300.00} deposit to cover the cost of paint. There were no other problems with the apartment. When I moved in the carpet was 12 years old per  management. I asked if it could be changed and they said no. So why charge me for carpet when it was already time to change it? I believe that XXXX submitted incorrect information purposely to take away my right to argue my point before the judge.
Product: Debt collection

XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX  on behalf of XXXX, XXXX, XXXX  XXXX XXXX. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a Capital One. I haven't been able to review the account history to know if it was mine. I had a capital one card in XXXX. I'm told that I was sued by Capital One and I live in Washington now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from XXXX  to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX - 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 XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Experian has failed its legal obligations under the Fair Credit Reporting Act ( FRCA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to finishers accepting unreliable responses, and failing to adequately notify consumers of the dispute outcomes. These failures to align with my experience, where Experian has neither corrected the information nor removed disputed items the evidence provided, causing on going harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a 100 % rating Got notice I was 1 day late on kohls Bal of {$15.00}. I had a critical parent out of state I forgot. But it shows 14 delinquent that can not be afraid someone might be using my info.Yhis is extremely upsetting to me. Even in XXXX when filing chapter XXXX had XXXX paid on time. Not sure what to do
Product: Debt collection

I contacted this company on XX/XX/2022 through the XXXX and asked them not to contact and that they are violating several of my consumer rights. This company continues to contact via correspondence as recent as XX/XX/2022 and phone calls. See attached Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I asked In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 In accordance with the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The account list below has violated my federally protected consumer rights to privacy and confidentialty under 15 USC 1681. 

Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX Have violated my rights. 
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 : States a consumer reporting agency can not furnish an 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 or any other advertise item of information, other than records of convictions of crimes of 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 of has a reasonable cause to believe that information is inaccurate.
Product: Debt collection

I contacted XXXX regarding electricity service that I never authorized in my name. They advised that they would take a note that it was fraud. It is the result of identity theft. However, a company is still attempting to collect this from me.
Product: Credit reporting or other personal consumer reports

I am reaching out to address potential errors on my credit report. I kindly request your thorough examination of the following information to ensure its accuracy, timeliness, completeness, and verifiability. 

I have no knowledge of the accounts listed below and therefore request an investigation into their origin. I possess no documents such as a police report or fraud affidavit pertaining to these accounts. Additionally, please verify that they are not untimely, incomplete, inaccurate, or unverifiable. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Student loan

My student loans take up almost half of my yearly income. I'm having a hard time living off of $ XXXX/month, especially when unexpected things pop up like medical bills, car repairs, moving expenses, etc.. With all my bills paid, I have less than {$100.00} leftover to spend or put in savings or towards those unexpected costs. I can't keep up with it and PNC/XXXX  have only one option to reduce my monthly payments - not even based on my income and only a 1 year option ( as if my income is going to increase so significantly in a year that I will be able to afford $ XXXX/mo on my private student loans and over {$200.00} for my federal loans ) - and have made it insanely hard to enable that on my loans. 

I'm having panic attacks about being able to make these payments and afford to live even at the bare minimum. I've had to work two extra jobs and insane hours to keep up, but I can't do it anymore. My XXXX XXXX XXXX XXXX is XXXX, making it near impossible to do my job and grow in my career. 

I don't want to be a mooch and never expected to pay nothing for my education but there has to be SOMETHING, some option available to reduce my payments to a reasonable and livable amount. Please, please help me. I've tried everything I can think of, including an attempt on my own life. Please help.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I'm a XXXX for a volunteering nonprofit from XXXX, Florida that supports a lot of other charities with donations. We had about {$6200.00} in our account. 

About two weeks ago I got a call from one of their customer reps saying that I needed to come to verify the proof of the lease on our po box address ( a voicemail I listened to prior to coming in ). This was an issue caused by Chase improperly setting up the business banking account, when it was opened a month ago. I came to fix the issue on XX/XX/2021, and their rep informed me that the account has been closed. Then, she brings over the branch manager who proceeds to lie to me that I was informed that the account would be closed, if I didn't bring the proof of lease in a certain amount of time ( I still have the voicemail on the phone that does not mention that ). She then tells me that the check will be shipped out for the balance of the account, and that there is no possibility of reopening of the original, but that I could open a new one. At this point, hearing enough maltreatment, I just walked out. 

I then spend two hours climbing the tower of phone customer reps to get to the one who deals with extreme cases like mine. She tells me that she understands my justified frustration, and that she will inform her supervisor of this, but that she can do nothing for me ( except for opening a new account, after I get the check ). She also informed me that the bank does not inform accountholders of account closure, which is a terrible practice. I could have been writing worthless checks and not even know it. 

We still haven't received the check ( it's been 9 days ), so I can't even open a new account with another bank. Holding on to our money, after they closed the account is theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am relieved that you removed some information related to my complaint earlier this year. But there is still an inquiry that lingers to my report that has yet to be redacted. 
This is the Inquiry that I'm Talking about : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax regarding errors on my credit report and they failed to complete their investigation in 30 days. They illegally verified erroneous information without providing proof and without providing their procedures. They are non compliant to the FCRA and willfully report misinformation and deny my right to an investigation.
Product: Credit reporting or other personal consumer reports

I submitted complaints to Experian within these last two months in regard to inaccurate information reported by furnishers on my credit report. Experian reported back that the disputes had been verified by the furnishers. After contacting the furnisher of information, I became suspicious that Experian was conducting inadequate ( Sham ) and misleading investigations into disputes regarding my credit profile. Additionally, the late payments and debts ( included in bankruptcy ) was placed back onto my credit reports. I have a right under the Fair Credit Reporting Act ( FCRA ) to have my disputes investigated thoroughly, but Experian has failed to fulfill this obligation. Experian has responded to disputes with generic statements or resolutions that did not appear to involve any meaningful investigation. My evidence supporting the inaccuracies in my credit report was not acknowledged or addressed in the responses. 
The results of the disputes were issued in unreasonably short timeframes, suggesting that no thorough investigation could have been conducted. These actions not only undermine the integrity of the credit reporting system but also violate the provisions of the FCRA, which requires credit reporting agencies to conduct reasonable investigations of disputed information. 
I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate Experians dispute-handling practices to ensure compliance with federal law and to protect the rights of consumers like myself. I also urge the CFPB to take necessary enforcement actions to hold Experian accountable for any violations uncovered during the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently I looked at a copy of my credit report and noticed so many inaccurate information being reported. I feel these inaccurate information WITH REGARDS TO MY NAME ON MY CONSUMER CREDIT PROFILE AND THIS IS adversely affecting my credit report and costing me thousands of dollars in interest every year. I requested an investigation into the inaccurate information on my credit report by writing a letter to XXXX. it has been over 60 days since i requested for an investigation and a deletion of this inaccurate information but equifax has refused to respond to me and continue to violate my rights under the FRCA guidelines. 

THIS ADDRESS IS INACCURATE. IT IS NOT MY PRESENT ADDRESS NOR IS IT MY PREVIOUS ADDRESS. DELETE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTACHED IS MY MOTOR INSURANCE CARD WITH MY PRESENT ADDRESS ON IT. 
NOTE : PRESENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX CT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OF XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit card or prepaid card

XXXX fraudulently submitted two charges to Citi XXXX for scam cash advances, although I had no XXXX account and have never, ever, made a cash transfer on line. Citibank added {$200.00} in fees and interest for the two non-existent cash advances. After several telephone calls, Citi Customer Service removed the charges ( XXXX x {$1900.00} ) AND the {$200.00} in fees and interest, BUT the fees and interest keep reappearing on my Citi credit card bill. All those reachable at Citi by telephone, in XXXX, are consistent only in stating that I have reached the wrong department, whether Customer Service, '' " Fraud, '' or " Security. '' Each of those departments say one or both of the other two should take care of the matter. Transfers to " technical support '' mostly result in recordings to call back at " normal business hours '' even when the attempted transfer by Customer Service was is well-within the Citi business day. You are then disconnected. The one time I got through, the rep listened in silence and then hung-up. Citi seems to have no way for customers to get errors in billing by Citi permanently corrected. The bill for XX/XX/2022, billed the same {$200.00} for a cash advance in XXXX even though the bill shows no such cash advance. This amount, identical to the former, removed, fee and interest changes, is, presumably, the Citi computers trying to get the amounts removed by Customer Service. The " dispute '' record on line claims that Citi has never issued any credit for the XX/XX/XXXX and XXXX, 2022 XXXX fraud, which is also false. 

XXXX, whose " security department '' informed me on XX/XX/XXXX, XXXX, the " cash advances '' were a " known scam, keeps sending what it imagines are threatening emails. I forward the emails to XXXX security and will never pay them a cent.
Product: Checking or savings account

Wells Fargo erroneously debited my checking account {$2500.00} saying in a letter that " they made a mistake ''. As a result, my account went below {$0.00}. I was charged fees and my account was closed. Shortly thereafter, they also closed my 2 credit card accounts, both in good standing. I've tried speaking in person with bank staff. They are hostile, contentious and unable to explain why Wells Fargo debited {$2500.00} from my account or why my credit cards were closed without any notice. As a result of closing my credit card accounts, my credit score has dropped XXXX points. This has affected my ability to run my business and has caused irreversible damage to my business and livelihood.
Product: Checking or savings account

My issue started with an overdrawn balance of XXXX on the XX/XX/2019. I was not aware of the issue until receiving a correspondence form TD Bank in the US mail, that my account was overdrawn. The letter informed me that the account was overdrawn and a fee of {$35.00} was assessed on XXXX. 

I then deposited {$140.00} on XX/XX/2019. I was surprised that the account was still negative ( XXXX ) I then deposited an additional {$100.00} for a total of {$240.00}. however, my balance was reflecting {$90.00}. 

At XXXX XXXX I was able to speak to a platform clerk. He was able to help with reversing one overdraft fee of {$35.00}, a maintenance fee of {$15.00} and a paper statement fee of {$1.00}. He suggested that I speak to the manager of the branch., who would be available later in the day. I returned later on the XXXX but the manager was not available. I then came back the following day on XX/XX/XXXX again the manager was unavailable and the person on the platform would need an override key. I then went again yesterday XX/XX/2019 spoke with the manager, who agreed to credit half the fees and made it sound like she was doing me a huge favor. 

Subsequently, I was able to get online access and could see that I was accessed an overdraft fee on XX/XX/2019 and again on XX/XX/2019. I am irritated that a XXXX negative balance has morphed into {$280.00} of overdraft fees and a {$15.00} maintenance fee for being below {$100.00}. The bank is engaging in unfair and deceptive practices. 

I am attaching the account activity from XX/XX/XXXX XX/XX/2019and  attaching an image of my account being accessed an overdraft fee today XX/XX/2019.
Product: Bank account or service

Chase closed my checking accounts and personal savings account and wo n't tell me the reason at all.
Product: Credit reporting

Equifax Reporting company is making to many hard inquiries to my credit report. The have listed improper and negative information on my report. I have disputed items several times with them on line and have gotten no satisfaction by their explanations. They have blocked me from using their web site to continue to dispute the information they have listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX is violating my rights. 

15 U.S.C 1681 Section 602 A. states that I have a right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 also states that a consumer reporting agency can not furnish an account without my written instructions.