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

On XX/XX/XXXX I enrolled in the bonus program through Ally Bank. The program was if we deposit fresh {$50000.00} we get {$500.00} bonus or 1 %. I received an email that I was enrolled and that by XX/XX/XXXX I will receive the {$500.00} bonus. These are the dates and times I spoke by phone to agents at Ally Bank. One agent on XX/XX/XXXX, at XXXX and XX/XX/XXXX at XXXX confirmed that I was enrolled and qualified for the {$500.00} bonus and that I will receive it on XX/XX/XXXX. I never received the {$500.00} on XX/XX/XXXX, and as of today I never received it. I called again on XX/XX/XXXX at XXXX and spoke for almost an hour to an agent by the name of XXXX XXXX and she said that she is opening a case regarding it, and it will take 7 to 10 business days to receive the {$500.00}. Again, I never received the {$500.00}. I called again on XX/XX/XXXX, at XXXX, and again the following times : XX/XX/XXXX at XXXX, and on XX/XX/XXXX I called twice at XXXX, and again at XXXX. All those times the agents told me that they could see that there is a case open and that it has been escalated. The case number is : XXXX. In addition, I emailed them regarding the {$500.00} bonus on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The only response that I received was that I have a case # XXXX, and that it needs further review. As of today, I have not filed yet a complaint with the State of New York. I am aware that this is same issue as not getting the interest I was promised. I am asking you to help me resolve it. I greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Westlake - Wilshire has my account showing closed by grantor and paid charge off. This is untrue! I paid it in full through a refinance of my home back on  XXXX - XXXX -14. I even have a letter from them showing this, yet Wilshire-Westlake reports differently. I 've tried to resolve this many times with them, but they do NOT correct the credit bureaus. please help me to have this corrected. it is lowering my credit score, as well as I keep having a hard time getting credit and refinancing my home.
Product: Credit card

Payment Dispute : XXXX ( Wells Fargo ) card claimed we did not make a payment for XXXX statement. Enclosed is a letter from XXXX XXXX XXXX XXXX stating that the payment was made. 
I am enclosing a copy of our Bank statement for XXXX showing the withdrawal on XX/XX/2023 ( highlighted ) in the amount of {$3800.00}. 

CASE # : XXXX XXXX XXXX is the XXXX account holder. XXXX XXXX is also on the account and our Card number ends in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX. I have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Money transfer, virtual currency, or money service

I opened account in Mid XXXX or XXXX I had a charge for a subscription I call PayPal we canceled it together they refunded my account then the following month they put it back on there and then I called and tried to have it removed they did not want to remove it so I let that account cancel so in XX/XX/XXXX I opened a new account and then I ordered a subscription of ugly food and canceled it was hit the next month so that was twice that I've had two accounts going to a negative balance when that is not allowed to happen supposably so I am willing to pay for the two things but I don't see that it's fair being I can not overdraft my account but payal can put me in the negative balance and so I'm really wanting PayPal to release my funds I don't care about ever using PayPal again I just want my tax return for XXXX back I am currently unemployed and it would really help thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/20 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly 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 should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

To whom it may concern. 

On XX/XX/XXXX I was checking my credit as I regularly do and noticed one of my scores was XXXX -- that would be a 30 % decrease in my score in a matter of months with XXXX activity on my part. 

Upon review, it turns out that a XXXX Infinity was purchased and ultimately repossessed, auctioned and sold. The account, charged off. That charge off is what is on my credit along with the late payments from the auto. 

With that, XXXX shows an account # XXXX in my name XXXX XXXX and my ssn but not my Idaho address. The account shows at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please remove and repair my credit report to the good standing it has been for 22 years. 

Thank you.
Product: Debt collection

My credit report is showing that I owe a collection debt from a utility company in Texas that I never signed up for. I've also never lived in Texas. The utility accounts were opened on XX/XX/year> and the amounts are for {$320.00} & {$510.00}. Credit Systems International is the debt collector and the utility company is called XXXX XXXX XXXX.
Product: Bank account or service

On 2014 I took the big decision to move from XXXX XXXX to USA ( XXXX, XXXX ) to start new with my fiancee and XXXX daughters. I 've been a successful student and business person in XXXX XXXX and an example citizen. Recent after opening a checking account on Bank of America, I deposited a couple of pay checks ( computer/business checks ) from my previous employer from XXXX XXXX to my BoA account. Only XXXX of them bounce back as a " bad check '' for a really small amount of around {$200.00}. Bank of America automatically without notice closed my account for " fraud/bad check '' and now I 've been flagged as if I were some kind of criminal, when I 've never in my life have n't even taken a piece of gum without paying it. This is frustrating. I do n't owe BoA any money, everything was paid of in cash at a local branch. I tried contacting BoA at local branches, corporate offices, and by phone, none of them helpful, I get the same answer, BoA flag as a fraud check and there 's nothing we can do ''. So now I have to wait 7-10 years so I can have my finance life back? This is NOT FAIR at all. I should not pay this consequences, much less my fiancee who has nothing to do with this, she was just an authorized person on my account to have access to a debit card and be able to make purchase with my hard earned money. Please investigate BoA and my disputes, all I want is to be removed from the XXXX and be able to open a regular checking account at any bank like XXXX, XXXX XXXX, etc. I have great relationship with local banks in XXXX XXXX that can vouch for me, including the biggest bank in XXXX XXXX, the XXXX XXXX XXXX, which I have accounts for XXXX years now. Please help get my life back, buy a house, get a checking accounts for direct deposit, and more. THANK YOU
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file after being denied credit, I discovered that incorrect information is being reported, including fraudulent accounts such as an apartment lease, a mobile phone, and a credit card. I am filing this complaint against Experian, XXXX, and XXXX for failing to thoroughly investigate and verify the accuracy of this information before reporting it. 

I have formally disputed these accounts with each credit reporting agency, notifying them that I do not recognize or authorize these accounts. Additionally, I suspect I am a victim of the XXXX data breach, as I have received notifications indicating my information was compromised. I believe these fraudulent accounts were opened as a result of this breach. 

Based on my understanding of the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, any account identified as fraudulent by the consumer must be thoroughly investigated and blocked from the credit file. Furthermore, under Section 611 ( a ) of the FCRA, credit reporting agencies are required to report accurate information and must promptly investigate and remove all disputed inaccuracies. 

These fraudulent accounts are causing significant hardship, and I request an immediate investigation into this matter.
Product: Bank account or service

Starting in XXXX XXXX, I noticed my USAA checking account ending in XXXX was suddenly in the negative ( over {$1500.00} ). I had not made any large purchases to create this negative balance. I spoke with USAA who informed me that my account was negative due to multiple {$800.00} transfers ( deposits ) coming from an external account I did not authorize -- an external account which had been closed with no activity for over 2 years. USAA claimed that the external account was nicknamed " XXXX, '' however, this name is unfamiliar to me and I have never nicknamed any account " XXXX. '' These {$800.00} deposits all bounced in my USAA account due to NSF ( non-sufficient funds ), but strangely, these bounced deposits resulted in an {$800.00} debit to my account every single time without any obvious transactions showing withdrawals of these NSF deposits. USAA was confused and could not provide evidence of where the money went FROM my account, despite my repeated requests. The bank also refused to close my account during the fraud investigation, resulting in a final negative balance of {$5500.00} ( {$790.00} and {$4700.00} ) when the account was closed on XXXX XXXX XXXX. 

I am not trying to gain any money out of the situation. I have stayed in constant contact with USAA since the first moment I noticed the fraudulent activity on my account, however, as shown from the attached timeline, USAA has repeatedly refused to give me the account statements and other documentation, denied me access to USAA online to reconcile my account, discontinued business with me, and otherwise acted unprofessional and unwilling to help me rectify the situation. After speaking with a XXXX XXXX Legal Assistance attorney, and with USAA refusing to work with me, I am left with no choice but to file a CFPB claim for assistance. The NSF money that was transferred from the closed account to my USAA account, thus bouncing, was not my money and I did not authorize the withdrawal transactions. I would like for my account to return to normal status and the situation to be over. I greatly appreciate any help that you can give!
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX
ACCOUNT NUMBER:XXXX
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX 

TO WHOM IT MAY CONCERN, THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E EXPERIAN, TRANSUNION & XXXX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, XXXX XXXX XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; TRANSUNION, XXXX XXXX XXXX  IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL. FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS. 

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Student loan

I made a XXXX dollar loan payment on XX/XX/XXXX. The payment did not reflect on the account. I contacted the company and they said they were going to send me an email so I can send in the confirmation I received. Then on XX/XX/XXXX I made a XXXX dollar payment and received a confirmation receipt. On the website it shows I only made a XXXX dollar payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

This is update information to previous filed complaint against Bank of America Attaching the complaint numbers This is pleading filed today in XXXX case to vacate summary judgment. 
XXXX FHA case filed complaint at XXXX  XXXX Bank of America has done many illegal acts
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and validity of the following accounts reported on my credit file. Upon reviewing my credit report, I identified multiple discrepancies that raise significant concerns regarding the legitimacy of these accounts and the manner in which my personal information was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX IS A FRAUDULENT ACCOUNT ON MY CREDIT FILES IVE CONTACTED THEM AND THE CREDIT BUREAUS NOTIFYING THEM OF THE FRAUD. POLICE REPORT IS ATTACHED SHOWING THE FRAUD.
Product: Vehicle loan or lease

On XX/XX/year> I received a response from Santander Consumer USA stating that there will deny my monetary compensation OF {$20000.00} also will be reporting to credit bureau which is violation of Federal laws under the federal Trade commission ( FTC ) Truth in Lending Act ( TILA ) fair credit and reporting ( FCRA ) fair debt collection practice ( FDCPA ) and Gramm- Leach Bailey Act ( GLBA ) Santander will also be liable under me 1 fraud ) and 2 BREACH OF CONTRACT
Product: Vehicle loan or lease

Due to COVID-19 there was a extension put onto my account for 2 months. I was never informed that it would impact my credit due to the extension. I now cant get into my new place because my credit went below a XXXX due to this. 
I called them I'm not getting no help
Product: Mortgage

I WANT TO SAVE MY HOME I AM BEING PLAYED WITH IF THE LENDING COMPANY DOES NOT WANT TO HELP AND TAKE RESPONSIBILITY THEN I NEED TO SEEK LEGAL ADVICE FOR FILING BANKRUPCTY! THIS LENDER HAS BEEN PLAYING GAMES WITH THE MODIFICATION SINCE LAST YEAR AND IT ROLLED OVER TO 2019 I JUST WANT MY MODIFICATION PLEASE STOP! I HAVE ALL THE RECORED CONVERSATIONS WITH SUPERVISORS -MANAGERS AND THEY EVEN SAID THAT A NEW TRIAL MODIFICATION WILL GO OUT
Product: Credit card or prepaid card

I received a Marketing solicitation from Arvest Bank. I do not have any relationship with them. When I emailed them to ask me to remove my address from receiving marketing offers they responded to a link where I can do that. Any other bank would have taken care of the request instead of making it difficult to do. 

When I went to the link it makes you put your account number and social secure which are mandatory fields. So clearly it was for existing Customers. When I replied back their replay was another link for the Do NOT Call List. Which only asks for phone number which makes sense because it IT a DO NOT CALL LIST opt out.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The fraudulent credit card accounts still remains on my credit reports from all three credit bureaus, Wells Fargo is using fraudulent personal information to keep the fraudulent account on my credit reports. I spoke with Wells fargo and sent them a FTC report and nothing have been done to remove the account. They are using fraudulent unauthorized addresses to my identity and reporting it with the account to the credit bureaus. I'm not receiving any mail from these creditors, this is unlawful. The business addresses that Wells fargo is reporting to my credit report is XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX and a closed transit station called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. 

This account number reporting on : ( XXXX and XXXX XXXX ) and ( XXXX XXXX ) was deleted from my credit report and Wells Fargo reinserted back the account to my credit reports using these fraudulent unauthorized addresses above.
Product: Debt collection

Debt collector called my minor son and left threatening message regarding a debt I do n't owe.
Product: Credit reporting or other personal consumer reports

well this is mostly about a data breach I was exposed to that has lead to several fradulant hard inquires. I had tried calling in but the company didnt do anything about them so it has lead me to taking this route.