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

On XX/XX/XXXX i notice wellsfargo bank had started charging me a service fee stating i did not gave {$1500.00} balance on my account or direct deposit. Back in XX/XX/XXXX this same issue happened and they told me the only way to avoid this fee was to open a savings account and set it up to transfer funds from my checking account to the new savings account automatically and i did that, up until recently i had no issues. This year however, these random fees started appearing on my statement. I called to inquire about the charges on XX/XX/XXXX and was advice it was due to the balance bring under {$1500.00}. I explained to the representative the savings account i had been forced to opened in the past to avoid the service fee.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the CFPB. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate resolution for these violations.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these accountsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting accountsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX  XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} U S DEPT OF EDXXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Original creditor XXXX XXXX Balance : {$200.00} XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXXXXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXX/XX/XXXX; XXXX XXXX XXXX Balance : {$780.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$93.00} ; XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I disputed inaccuracies on my credit report with Experian regarding the XXXX XXXX XXXX XXXX ( Account # : ... XXXX ). Despite providing supporting evidence, Experian failed to conduct a reasonable reinvestigation as required by the Fair Credit Reporting Act ( FCRA ) and violated several of its obligations under the law. Specifically : Failure to Conduct a Reasonable Reinvestigation ( FCRA Section 1681i ( a ) ) : Experian did not adequately address my dispute or verify the accuracy of the information reported.

Failure to Provide Relevant Information to Furnishers ( FCRA Section 1681i ( a ) ( 2 ) ) : Experian did not forward the supporting documents I submitted to the data furnisher.

Failure to Assure Maximum Possible Accuracy ( FCRA Section 1681e ( b ) ) : Experian failed to ensure the information on my credit report was accurate.

Failure to Provide Clear Dispute Results ( FCRA Section 1681i ( a ) ( 6 ) ) : The results letter I received was ambiguous, leaving me uncertain about the outcome of the dispute.

These actions are consistent with the allegations in the recent CFPB lawsuit against Experian ( XXXX XXXX. XXXX ). The lawsuit details systemic failures, including ignoring consumer-provided evidence, mischaracterizing disputes, and over-relying on furnishers ' responses without independent verification. These practices violate both the FCRA and the Consumer Financial Protection Act ( CFPA ). Experians actions have caused harm to my creditworthiness and financial stability.
Product: Credit card

I responded to a mail solicitation from Chase offering a balance transfer with a zero per cent interest rate. I applied and they issued a credit in my name within seconds. The problem is, they offered to transfer only part of my balance. I called immediately and told customer service that I did not want their offer and not to issue a card or open an account in my name. Within a couple of days I received in the mail a credit card. I also received a notice telling me that the account was closed. When I called customer service again I was told that I have a credit line of {$4000.00}. I did not want to transfer a balance from one card to another unless the transfer eliminated the original account. Now, they tell me that all this will be reflected on my credit report. It seems to me that this was a fraudulent offer designed to simply open a credit card account.
Product: Checking or savings account

I deposited {$2000.00} into a Chase Bank ATM in XXXX XXXX, New Jersey. The machine malfunctioned and did not credit my account. Chase initially investigated the issue and credited me the {$2000.00}. However, after the investigation, they claimed they only found {$200.00} and subtracted {$1800.00} from my account. 

I have requested more details about their investigation, but they have not provided any meaningful information. They also stated there are no cameras at the bank, which I find hard to believe. Their response has left me feeling hopeless, as they essentially told me, " Oh well. '' I need this money to pay bills and meet financial obligations, and I believe this was an error on their part that needs to be corrected.
Product: Credit card or prepaid card

I was notified by my credit monitoring servicer that my XXXX XXXX XXXX card serviced by Commenity Bank had been closed. I called the bank and I went through all the options until I received a generic message that stated, " If your accoung was close by the bank there is nothing that you can do and the bank has made that decision. However, if you would like to reapply you XXXX. '' I then logged into my online account which is still showing active to check if I had missed a message from the bank in the last 120 days regarding inactivity and there was no such message. Each store has their own policy on credit, and that is usually covered in the agreement you signed when getting the card. I should have been sent a letter stating which credit bureau they consulted if closing due to credit issues XXXX which there are none XXXX or what information led to their decision. They have failed to provide this information and are in violation of federal credit laws.
Product: Checking or savings account

On XX/XX/year>, I was charged an overdraft fee for a XXXX transaction processed on XX/XX/year>. When I look at my statement, my balance was never below XXXX or low enough for this transaction to overdraw my account. When I called the bank, I was advised that an " XXXX XXXX '' indicated my account was overdrawn. This spreadsheet shows transactions that occurred in a different order than my statement shows. 

This spreadsheet is inaccessible to their customers unless we request it at the branch. 

My complaint is that the bank must be transparent with finances so clients can manage their funds as appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered stereo from XXXX XXXX and had it finance through XXXX. I did not receive the item and XXXX XXXX told me they reached out to carrier ( XXXX ), and they show delivered and there's nothing can do. I reached out to the finance copany and they said XXXXXXXX XXXX shows its delivered they can not override it but there putting it on my Credit report. XXXX XXXX will not return my calls or emails. XXXX asked me to reach out to XXXX the carrier who delivered, I did and because they didn't tell me to do this unit il after XXXX deadline they can not open a dispute. XXXX emailed me proving I called and said XXXXXXXX XXXX has never reached out to them to start a dispute of where the item was.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

IThis debt is not mine I have enclosed proof of my identity and a copy of my FTC 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 notify [ the business where the account was opened ] and tell them the debt is the result of identity thef I have enclosed a copy of the Federal Trade Commissions 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 : 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 : Inform me 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not report correctly. I did pay Bank of America on time in XXXX. The report of payment is not even on the credit report. 
First pic shows empty payment of XXXX. I did pay on time! 

XXXX  also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report. 

Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Product: Debt collection

Merchant and Medical Credit Corporation violated the Fair Debt Collection Practices Act, Telephone Consumer Protection Act, North Carolina Collection Agency Act, and other applicable state statutes for its ' continual calling me for someone's else debt which I informed the representative several times that this is a wrong number.
Product: Credit card or prepaid card

Hello, I recently took out a new TD Cash card. My new account number ends in -XXXX. I have another TD Cash card that was closed due to inactivity ; that card ends in -XXXX. 

I activated my new card today -XXXX. When I logged into my online account, my old closed card -XXXX appears instead of my new one. 

I called customer service to get my new card -XXXX added to my online account. My username is XXXX. They advised that I would need to create a whole new account for my new card, which I don't think is right.
Product: Debt collection

I was contacted by text message, although I never opted in to receive text messages. I was told I could set up a payment agreement and pay a certain amount each month to avoid collection activity on my credit report. I made the first payment that day as I needed to do so to set up the payment arrangement. Right after my first payment I see this debt reported on my credit report for {$580.00}. The balance owed after my first payment is {$260.00}, per their website with my next payment scheduled for XX/XX/2024. There are no payments reported as being made although they reported this after my first payment was made. The balance is incorrect. Not only that I took the necessary steps to rectify this. This is very deceptive collection practices as I set up the arraignments to avoid this happening. Wrong amount and incorrect information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # : XXXX, has 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 : 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 did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. I need the accounts below DELETED from my report : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My bank has informed me that there is negative information reported by : Renasant Bank included in the file XXXX   maintains under my Social Security Number. Upon ordering a copy of the report, I see an entry from this bank listing a ACCOUNT ABUSE in XX/XX/2018. 

I do not recall having an account from this bank in 2018. 

Please validate this information with Renasant Bank and provide me with copies of any documentation associated with this checking/savings account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number. I am doing this on my own behalf.
Product: Checking or savings account

Hello, I have a savings account with Marcus and the account was locked without notice in writing or phone call over the connection to another bank. The company failed to follow procedures correctly as the account was confirmed via XXXX as a Personal Account. This was done on XX/XX/XXXX - the representative asked for me to call them back but did not indicate the account was locked nor indicate an urgency in the message. When I called them back on the XXXX, the representative was not aware of the reason to the call, did not inform me of any issues on the account and could not give me a timeline when the rep who sent me the email would be available. 
I informed the rep that I did not have unlimited time to wait and expected a direct call back or email, none of which happened. There was no notice that my scheduled credit card payment would not be made. The payment to my XXXX Credit Card at XXXX Bank was declined result in a late fee of {$29.00} and Finance Charge of {$3.00}. The company refused to accept any form of written evidence of the charges and made me take time over the phone to verbally detail each item. I then received another call ( t XX/XX/22 ) to call them back and then learn verbally that finance fee reimbursement was denied behind reasoning that was flawed and continued their non-transparency in dealing with me. I am expecting a refund of my fees paid to XXXX in the amount of XXXX to be reimbursed by Marcus for non-communication. I have attached the credit card statement with fees and the returned payment confirmation. The company made no effort to fix this matter and made no disclosure of a closure despite the fact that I was in full compliance- even their email to me indicated a request for a call back without time frame and did not indicate that the account was not sending funds. They did not communicate in an open and transparent matter and did not trust their technology to verify the legitimacy of my accounts, leading to the financial penalty that I incurred. I have attached a copy of the fees incurred as a result of Marcus ' actions...
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, addresses, names and did not authorize companies to run my credit. Please remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has placed me in XXXX XXXX and or XXXX XXXX XXXX due to ATM Fraud that took place on this account. I called in and spoke with a Bank Of America agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked Bank of America to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in 2014.
Product: Student loan

I contacted Fedloan Servicing after noticing that according to my statements, none of my payments have been credited towards the PSLF program. This has been going for about the past 6 months or so. Fedloan Servicing says they have applied payments, despite there being record of doing so.

Also, about three weeks ago I faxed in my PSLF form to renew/verify my employment status does qualify under the PSLF program. However FedLoan Service recently sent me a message that stated my Employment is Not Certified for PSLF.

I've tried logging into my account, however I keep getting an error message that I've been logged out of my account. I've tried resetting the username and password, but I continue to get the same error message.
Product: Credit reporting

I contacted Experian by certified mail on XXXX XXXX, 2016 and XXXX XXXX, 2016 asking them to verify the information they were reporting on XXXX XXXX XXXX acct XXXX. They still have not provided me with any verification. I also contacted XXXX and XXXX who both have removed this account from my credit.
Product: Money transfer, virtual currency, or money service

Blockchain.com is preventing me access to my money that they are holding in my account. Between XX/XX/year>, and XX/XX/year> I made XXXX unsuccessful attempts to obtain service, all attached as documentation. 

My experience is not unique with this company. Also attached page XXXX is a sampling of the over XXXX complaints lodged against Blockchain.com holding customers money XXXX is a frequent refrain. 

Please help me get access to my money.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit profile, I noticed there is an inaccurate listing. The account XXXX XXXX XXXX XXXX {$590.00} is a very error in reporting.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law The account, therefore, needs to be investigated immediately to publish my correct credit record.