23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Wells Fargo refuses to send me loan statements to an account for which I am the legal payer. Wells Fargo also refuses to grant me online access to the account. Bank continues to send damaging reports to the credit bureaus regarding this account and refuses my request to remove the damaging reports. I am unable to manage the account accitvities without statements or access to the account. All of the above listed events amounts to the bank acting in bad faith. This is my second complaint issued thru this agency against Wells Fargo for the same issue. I am asking for direct intervention from CFPB in this matter. There has to be a law that says a bank has to send a periodic statement. How else can a customer verify that the bank is applying payments correctly or is n't doing something shady with the customers account.
Product: Debt collection

Had a account with bank of America they were committing fraud on my account despite there numerous attempts they were unsisesfu in 2022 I notice a big amount in the negative on my account I immediately called the bank and I closed the account and asked them to do a claim. Recently I noticed was in collection because of this the banker did NOT file a claim witch lead me to collections I was put on a check watch list an affected my credit score. Bank refuses 2 do anything about it won't give me I formation or let me speak to a supervisor
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, THE ACCOUNT BEING DISPUTED HAS BEEN PURGED OFF MY CREDIT REPORT AND IT IS NOW REPORTING AS A DEROGATORY. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT AND HAVE IT REPORTING WITH THE CORRECT ACCOUNT ACCURACIES.
Product: Checking or savings account

TD Bank branch informed me if I opened a checking account on-line and met several requirements, I would receive a {$300.00} bonus. The requirements were to have a direct deposit and have deposits over {$5000.00} within 90 days. I opened the account online on XX/XX/2019 and met the direct deposit requirements. I called the TD Bank customer service dept. immediately after I opened the account to ensure I did everything correctly. After 90 days I called the customer service asking where my {$300.00} bonus was and they said it can take up to 125 days. I called at 125 days and they said someone would get back to me in 48-72 hrs. After a week with no contact, I again called and they said someone would get back to me. After no contact I called again today they said I was denied the {$300.00} even though I met all the criteria for the offer. The customer service representative said that the response they received from the promotions department indicated that I failed to click a link when opening the account which disqualified me for the offer. I informed her that I did what ever the offer on their website instructed me to do and then followed up with a telcall to ensure I did the correct thing. 

I asked for a supervisor who then changed the story and said that their promotions department said there was no {$300.00} promotion at the time I applied. This is completely wrong since how would I know the details of what to do if there was not an offer. I think they are running a scam to get new accounts. I am so glad that I didn't move all of my accounts to TD Bank and tested if first.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; On XX/XX/XXXX I asked Experian to verify that all information they are reporting on my credit report regarding Account # XXXX XXXX XXXX XXXX XXXX was verified and accurate. On XX/XX/XXXX Experian responded with the following : " INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed, and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. " After obtaining a new credit report on XX/XX/XXXX, I noticed the Balance updated date was XX/XX/XXXX and status updated was XX/XX/XXXX. Experian failed to do a proper investigation of this account and failed to verify the accounts accuracy. In accordance with the Fair Credit Reporting Act, Experian 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, Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 EQUIFAX 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 a credit card account opened at XXXX XXXX on XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, an student loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 ( private case number ) 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: Vehicle loan or lease

Because of COVID, and my job being 100 % Commission, I fell behind 2 payments, but was in contact with Flagship the entire time. They assured me that due to COVID, it would not effect my credit. I paid the car off and my credit score dropped 100 points. When I called Flagship, they assured me it would take care of itself the next month ... .IT DID NOT. I would like my credit score fixed, please, and this taken care of. 
Thank you, XXXX
Product: Money transfer, virtual currency, or money service

So I have had my PayPal account since 2019 its a business account but I never use it for business I always use it for personal use so my ex boyfriend who owed me money had someone else to pay me and he has sent me proof of the person who sent me the money so when I check it was there so I transferred it out to my bank Im guessing they had got into a dispute and that person went back to PayPal and lied to them and said that they never received something so by him disputing that money they put my account into a limit suspended status until they reviewed of what was going on I sent in screenshots of what was sent to me from my ex of this friend was sending me money not for any item he was sending it to me for him but now they ruled in his favor and refund him the money and charge me XXXX $ charge back for his lies so now my account is negative XXXX and I cant use PayPal anymore because of his lies on top of that I dont know who this person that my ex had to send me the money I truly believe that this was a scam and I was set up for him to get money not only get the money back but to get my account closed its not right or fare that I get penalized for it when he literally lied and has XXXX proof of what he claims he also sent additional XXXX after he sent the XXXX that i never touched because I didnt know he was sending it.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX announced a data breach that exposed the personal information, including accounts, of XXXX XXXX people. The sensitivity of the personal information held by XXXX and the scale of the problem makes this breach unprecedented. As a result, on XXXX XXXX XXXX, I reached out to all of XXXX major credit reporting agencies ( via their websites ) and requested that all debt be removed from my credit reports under the U.S. Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate items on my credit report dating back to XX/XX/2018. Equifax has repeatedly refused to delete the inaccurate items on my credit report in addition they have yet to send my results of the disputes. The 1st dispute was XX/XX/2018, The 2nd was XX/XX/2018, The 3rd was XX/XX/2018 and the most recent was XX/XX/2018. Every dispute was mailed by certified mail, but yet Equifax hasn't deleted or mailed by results to me. Equifax has gone over the allotted day for a dispute, which is 30 days. they have broken the law mandated by the ( FCRA ).
Product: Credit reporting or other personal consumer reports

I do not have the current dates of when i filed a complaint but i did file a few complaints to experian in regards of having collection agencies on my credit reports, I explained several times that i have never signed any agreement with any agency for the purpose of an alleged debt, experian kept responding the same all the time which was this information is correct, I asked experian to have any and all collection agencies removed from my credit report and they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a identity theft victim
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I used Zelle on my XXXX  bill pay feature to send {$500.00} to my sister on XX/XX/XXXX. She used Zelle on her credit union 's bill pay feature to reimburse me yesterday, XX/XX/XXXX, @ XXXX XXXX. Since then she and I have gone back and forth with our financial institutions to determine why I haven't received the {$500.00}. Her credit union confirmed that the funds were deducted from her account and credited to my account. However, the funds are not there, in my account. Not the financial institutions nor Zelle will take responsibility for this fiasco. They've set up a merry-go-round of excuses as to why your money is lost and gone, tough luck. Zelle is a XXXX party subcontractor with my bank, XXXX XXXX. Many banks offer this so-called " service. '' When you have an issue with this " service, '' the bank blames Zelle, Zelle blames the bank, and they both blame the consumer. I noticed there are XXXX of complaints representing an untold amount of consumers ' hard-earned cash regarding Zelle and banks that misrepresent the ease and reliability of the service. Zelle typically responds that basically the consumer is too stupid to understand how to use the service. The bank must have a list of reasons why it's the customer 's fault that the money seems to now be lost in cyberspace. They include that the customer must've done something wrong or that Zelle has an " instant '' pay option and a " standard '' pay option - NONE of that instant/standard information is prominently displayed by Zelle OR by the banks. This company, Zelle, needs to be investigated by the XXXX, the XXXX, and all State Attorneys General! The Banks should also be investigated in the same way. This is fraud and willful misrepresentation on the public and frankly, we're sick to death of it!
Product: Checking or savings account

I received a check to sell my boat. Prior to depositing the check I called the issuing bank to verify the account was active and had the funds. I deposited the check into my chase accouint and waited the XXXX days for the funds to clear. prior to releasing any product I called chase on XXXX seperate recorded lines to confirm that the check was a good check & the funds were in our account. Both times yes I was told the funds are good and I could proceed. 

10 days later I was told the check was a fraudulent check and they reversed the money. On top of all that now they are clsing my account due to this fraudulent check. I had a wire transfer & payroll check deposited to cover the negative balance immediatly when I was told it was a fraud check and my accountg was negative. Now I have no access to my account and get get the money out of my accouint to open a new accouint. 

I never wouldve been in this situation had chase not told me on XXXX sepearte occasions that the funds have cleared and all was good to proceed.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, & XXXX continue to violate federal consumer protection laws set in place to govern these companies. I did not give permission for either consumer agency to provide me with the service they provide. Therefore gathering my allege financial history with XXXXXXXX XXXX and incorrectly claiming they have verified the information is a violation of my rights. If you have done a reasonable investigation then you should be able to provide me with proof that you did see documents or talk to someone with first hand knowledge to attest to this information you are reporting. Either way I do not give you authority to report this account and you should not have access to it as its private and releasing it in such a public manner puts me at risk of data breaches.
Product: Checking or savings account

This company is Still holding on to my account. They said they closed the account however there are still funds in the account. this company has closed my account for no reason. it hasn't been any funds returned on this account. can you please withdraw these funds from my account and allow the transaction to be withdrawn from my account.
Product: Credit card

I can not pay with my debit card to pay monthly payments. It requires a checking account number and routing number. Check have become obsolete. I gotten hit with multi late fees because I move money from bank to another. I feel this is done to make it difficult for a customer and get charge with a late fee. I asked to have XXXX waive. I thought I paid my card in full. I had a XXXX balance I was going to get hit with another late fee. I was told no. I ask the agent twice to have a manager review my request. Then the windo chat was disconnect.
Product: Credit reporting or other personal consumer reports

I am disputing 2 accounts with TRANSUNION that those accounts have items with inaccuracy information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ], I am requesting : 1. Immediate RE-investigation into the disputed items listed above. 2. Removal of late payments and also correction of the inaccurate information. XXXX. An updated copy of my credit report reflecting these corrections. I have attached copies of supporting documentation to aid in your investigation, including : A copy of my credit report highlighting the disputed items. Documentation supporting my claim of inaccuracy. Please conduct a thorough investigation and provide me with a written response regarding the outcome within 30 days, as required by law
Product: Checking or savings account

XX/XX/year> {$2000.00} mobile deposit received XX/XX/year> {$2000.00} deposit was accopted XX/XX/year> funds delayed Account closed : no funds withdrawn / wont allow me to withdraw funds / check cleared / boss supervisor called & confirmed details and writing of check via telephone
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit System has made inaccurate report to my credit file. I asked that they immediately remove this from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time XXXX XXXX HAS not responded to my dispute in regards to XXXX XXXX REMOVING MY DATA INFORMATION including from third party credit bureaus, which includes experian, XXXX, XXXX. This company has also responded to a different claim other than my own also with a different name. The correct claim number is XXXX, as reflected in the attachment. I have no idea who XXXX XXXX IS, this is not me. My customer number is XXXX. Please respond and remove the data information that was sold to Experian XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/, I discovered that I have been a victim of identity theft. I've been able to verify fraudulent charges from my XXXX XXXX account, lines of credit opened in my name, and additional activity with my identity. I have reached out to the original creditors and provided copies of my Identity Theft report from the Federal Trade Commission and Incident report from local law enforcement to each creditor/company to clear me of any debt due to fraud/identity theft. I also sent those same copies to Transunion, XXXX, and XXXX in order to have the fraudulent accounts and debt to be removed from my file. After relentless calls to each of the three Credit Bureaus it has been verified that the supporting documents have been received, but each bureau still reports that the accounts have been verified as accurate after investigating my disputes. I placed a security freeze/fraud alert with all three bureaus, yet I still have an outstanding number of inquiries on my file, along with inaccurate personal information. I also understand that my rights have been violated under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Consumer Credit Protection Act. Especially under Title 15 U.S.C. and plan to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I received an alert from XXXX that Bank Of America reported me 30 days late in XXXX of 2021. I have never made or been 30 days late on any credit card payments. 

After receiving the alert from XXXX XXXX I contacted Bank of America on 2 separate occasions I explained to them that I have never been 30 days late in which the customer service rep agreed. She also stated she would place a research ticket and someone would contact me once the ticket had been reviewed. 

I have not received any phone calls, letters or emails from Bank of America stating I was late or in jeopardy of being late. During the call I instructed the agent that the online access to my account for payments had been blocked for some reason. I also explained that I never had a returned payment so there should be no concerns of a returned payment. 

The agent ask me to go online while she was on the phone to try and make payment so she could see if it would g through. I tried to make payment and sure enough the account was blocked from making the payment. The agent put me on hold and said that she needed to write up my issue and she would be back with me, once she came back to told me she had a long write up and my credit should be corrected and and someone would be contacting me. I explained to her that this was my 3rd effort to get this corrected and my next attempt would be with the CFPB or AG 'S office she assured me my account would be fixed. 

I told her my account had been closed for years but I never missed a payment she told me she noticed my accounts were closed and that should not effect access to me making online payments. I also explained to her that eventually the I needed a response and my credit repaired since my score dropped 65 points. 

The agent ask me to stay online with her she was going to transfer me to online support to find out why I could not have access to making online payments. The agent said she would get support desk on the call and explain to them the issue and then transfer me to them so I would not to continue to hold. Apparently she was not able to do that because I was transferred and was put on hold for over 1:45 minutes until i just gave up. I have called back two times since then and still no help. My wife and I have noticed that after the late fee payment date i get access to make the payment online.

This entire process has been terrible the customer experience has been horrific Bank Of America is in violation of the Fair Debt Credit Reporting Act. I received no correspondence for a late payment and no calls. It has been 60 days with no response to any of the several complaints I have made.