23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I just reviewed a copy of my XXXX credit report and found the following information to be an error. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission.
Product: Credit card

I have XXXX credit card accounts with Bank of America. XXXX personal, XXXX business. Both are Alaska XXXX cards. 

For more than a year, BofA consistently applied payments of the balance in full from my checking account. 

In XX/XX/year>, I changed my autopay bank information to draw from a different account, a savings account. XXXX test deposits appeared in my account for verification purposes, and I entered those deposit amounts on the BofA app to confirm that the account was successfully charged. 

In the XX/XX/year> statement, despite successful verification and the presence of sufficient funds in the new account, the first payment failed. I called BofA and eventually the agent suggested that it XXXX have been an account type mismatch ; they had it as a checking account, but it was a savings account. 

I was assured that since this was not my fault, they would correct it and credit any fees and interest. This was not done. Nor was the autopay issue corrected. 

In XX/XX/year>, again there was no payment initiated, and more and more significant interest was accruing. I paid off the entire open balance with an ACH transfer, got another phone call reassurance that everything was taken care of. 

In XX/XX/year>, again it failed. 

A similar, parallel, situation happened with my business card with only manual payments actually being applied and significant fees and interest being charged to me due to BofA 's failure to fix the problem after multiple phone calls, emergency payments, and their " system 's '' refusal to refund fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX accounts tied to my social security number as a result the 2017 breach. The incorrect account has the wrong birth year but all of the correct addresses. The incorrect account reports all balances {$0.00} when in fact they have balances. This account is what is being pulled by creditors when I have applied recently. The other account has all correct information except all my previous addresses. 
I have been working on this for years. I've sent in my social security card, a copy of my drivers license and they still will not delete the erroneous account.
Product: Checking or savings account

I made a cash deposit at a ATM on XX/XX/XXXX around XXXX to XXXX XXXX at the Capital One Branch located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX NY XXXX in ATM # XXXX and while the ATM was counting the money it ran into a error and shut down for about XXXX minutes, the ATM did not apply my money to my account. because the bank is not open until XXXX I called customer service and I opened a case, the person who opened the case entered the wrong address and also the wrong ATM id, causing a delay into my investigation and ultimately a denial of the claim, because of human error at customer service, now Capital One is giving me a difficult time with the re-investigation. I understand that the ATM might be third party owned, but why cant they review the cameras at the Branch in the mean time to try to speed up the process or have it expedited because the customer care person entered the wrong address and ATM #. now they want me to wait another 10 business days
Product: Checking or savings account

I opened a XXXX Business CD ( business name XXXX XXXX  XXXX XXXX on XX/XX/year>, amounting to {$40000.00} with interest rate 3.5 % at Chase Bank office using their agent XXXX XXXX XXXX During opening, he stated that there was a system error which opened the accont with 0.01 % but confirmed that the system error would be automatically fixed during the weekend. 

On XX/XX/year>, the error was not corrected. I visited the branch and they filed a correction request with the approval of manager XXXX XXXX XXXX and promised a resolution time of XXXX business days. 

I visited the branch again on XX/XX/year> and requested the bank that either the account to be closed or interest error is fixed. They said closing the erroneous account would cost in over {$400.00} in penalties and promised to either fix the interest or request a waiver of fees. 

I visited the branch multiple times, during which XXXX XXXX XXXX assured me that the issue is escalated to very high level management. 

Today is XX/XX/year>, half of the CD 's maturity is over and the interest rate is still not fixed as promised. In every step of the process, the bank mispresented the facts.
Product: Money transfer, virtual currency, or money service

Hello, During my residency in XXXX, I opened and used a Paypal XXXX account linked to my email " XXXX ''. 
At 2018, I left XXXX permanently to settle in XXXX, from there I had no access to my paypal account which contained about XXXX CAD. 
Many times, I ask paypal to give me the opportunity to recover my money before transferring the account to XXXX, the proposed solution and access the account and perform the operation. However, this solution is unfeasible since I have to move from XXXX and XXXX to access my account and transfer the XXXX CAD. 
Until today the case is pending, no solution has been proposed by Paypal to solve my problem. 

Thank you in advance. 
XXXX XXXX if this message is broadcast please hide my e-mail and my name
Product: Debt collection

i XXXX XXXX do not owe portfolio recovery any money they are debt collector that buys debt but i dont have a signed contract with them they need to delete this item off my credit report asap delete this asap
Product: Checking or savings account

XX/XX/XXXX, I deposited my Aunt 's social security check through the Chase Mobile App. I am her legal guardian and responsible for her care. I have been getting her check direct deposited for the last 12 years, with the last 4 months being a paper check. The previous 3 checks were deposited with no issue through the mobile app. On XX/XX/XXXX, I received an email from Chase stating they were unable to accept the deposit, as the endorsement didn't match the name on the check. I haven't endorsed a check in years, I ALWAYS write " Deposit Only '', which is what I wrote on this check. XX/XX/XXXX, I again tried to deposit through the app, and again received a message on the XXXX, that I would have to go into the bank to deposit the check. Today, XX/XX/2022, I went physically into my local Chase branch to deposit the check, in person and found out the bank was going to put a hold on it until the XXXX of the month. When asked why the hold was going to happen, they said that it was due to my account being overdrawn. I explained to them that my account was overdrawn because they initially did release {$1500.00} of the check into my checking account, allowed charges to go through, and then removed the money when they decided not to accept the deposit. I asked if they could force post or cash the check and was told they could only deposit it and they could not do anything about the hold. I am not seeking compensation and I will be filing complaints with every agency that allows it. My family and I are all closing our Chase accounts and have now moved over to XXXX XXXX XXXX XXXX which accepted the check and made the funds immediately available. For the last 4 years, Chase bank has been going considerably downhill in customer service, banking services, and questionable policies. This is not the first time my account has been overdrawn due to a bank error. I have had to contact them no less than 9 times in the last 2 months due to charges going through when no funds are in the account, even though I am opted out of their program that covers charges when accounts don't have enough money. They are supposed to decline the charge and multiple times now, they have not. They closed our freedom card account and our Slate account, even though our Freedom card was in good standing and paid on time because our Slate card had a few late payments on it due to my husband being out of work for 18 months during our lockdown. In fact, we didn't miss any payments until the XXXX month of his unemployment. They refused to enroll us in any kind of hardship program or to give us any assistance during those months. They call my husband and me, 7-10 times a day EACH, even if I just talked to them earlier in the day, including XXXXXXXX XXXX! Again, I am not looking for any kind of compensation, we want nothing more to do with Chase Bank or JP Morgan, but I want complaints filed, formal and informal, so people have the chance to know that Chase Bank is not the quality institution it used to be.
Product: Debt collection

I have been contacting Account Control Technologies and have been on and off the phone with them for two hours trying to get my itemized statement over the phone. For one thing, they never sent a written statement that the debt sent to their agency, which is my right. The  XXXX   XXXX  office says they do not have access to it and can only mail it within  7-10 bu siness days. I have asked for how the collection fees are broken down and  XXXX   XXXX  has refused to give it to me. I have been directed to corporate offices in Ohio and California and three times have been transferred back to their office. They refuse to give me information on my account. I have asked for a written document detailing that if I have my debt paid in full before  XXXX / XXXX /  XXXX  , that it will not be reported to my credit. They have outright refused to put anything in writing outside of the itemized statement. They told me that over the phone and do have recordings of that conversation, but I wanted it in writing because I know how shady and deceptive those places are. I have been put on hold for extended periods of time until I finally hung up and called back. My call has been outright ignored  three  times when I began requesting that it be elevated outside of their office.  XXXX   XXXX  has said that they are the only office that will deal with my account and speak to me about it, but they do not have  access to my itemized account information. In the period of two  days, I have been told that they can add fees to my account while it is in their office ( by  XXXX   ) , which he was corrected and told that my college still owns the account and they have no authority to add anything, but the " fees '' and they are the ones who set the date to report to my credit ( by  XXXX  ), but then when my call was elevated to  XXXX  and then  XXXX , they would not tell me what those fees were. They said they can add up to 18.25 %, but did not have the percentage and said that was n't the only fee that would be on there. I just need my financial information and I am trying to protect myself. I have called the university and ACT is contracted through them, so they handle all accrued fees from when it is handled by them. I just need to be informed that I am paying the correct amount!!!! I need this information quickly before  XXXX   XXXX  or it will completely screw up my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the provisions of the Fair Credit Reporting Act, I assert that the list of accounts mentioned below has infringed upon my federally protected consumer rights to privacy and confidentiality, as outlined in 15 USC 1681. 

1. Account name : Bankruptcy # XXXX In line with the Engelhardt v. Gravens ( Mo ) 281 SW 715,719 case and the doctrine of estoppel by silence, it can be reasonably deduced that the lack of evidence presented by me suggests the absence of the alleged debt.

According to the US Bankruptcy Court, it has been established that they do not report or furnish information to credit bureaus or agencies.

Thank you
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the results remain unchanged. Recently, I conducted an investigation on my credit report, which caused me severe distress, and I discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported with 100 % accuracy. 

In accordance with the Fair Credit Reporting Act ( FCRA ), all information on my credit report must be reported accurately. These accounts are in violation of FCRA regulations under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting.

Attached are copies of all correspondence previously sent to your agency. I urge you to promptly address these errors and ensure that my credit report reflects accurate and verified information, as mandated by law.
Product: Debt collection

I disputed items inaccurate on my credit report.This is not my debt. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS.
Product: Student loan

I graduated from college in 2007 and began teaching. I have tried in the past to get the XXXX XXXX  repayment plan. I was turned down two different times. I have XXXX in XXXX XXXX XXXX schools and should have been able to get on this plan. Navient has steered me into defements. My interest has become almost as much as the original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX BANK XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX ( Original creditor : XXXX XXXX NY ) XXXX. Please delete this account immediately.
Product: Credit card or prepaid card

Hello, Wells Fargo has added an unjustified fee charge of {$1.00} to my billing statement of XX/XX/XXXX to XX/XX/XXXX. I have been paying my the full balances on the scheduled due dates and I should not be charged fee or interest. 

They had also added incorrect interest charges of {$1.00} and {$1.00} to the billing statements of XX/XX/XXXX to XX/XX/XXXX and XX/XX/XXXX to XX/XX/XXXX respectively. I emailed them on XX/XX/XXXX and XX/XX/XXXX ; however, Wells Fargo was not willing to make correction. On XX/XX/XXXX, I emailed them stating that I would report to the Consumer Financial Protection Bureau If Wells Fargo was not willing to make correction. 
Then, they added credit in the amount of {$2.00} to adjust the incorrect interest charges of {$1.00} and {$1.00}. The changes are shown in the statement of XX/XX/XXXX to XX/XX/XXXX. 

These recent unjustified charges are in addition to the problems I filed in complaint # XXXX which they fixed only after I reported to the Consumer Financial Protection Bureau. 

These recurring additions of unwarranted fees and interest charges to my billing statements, even after informed them, are intentional acts of harassment. 

I am attaching the billing statements from XX/XX/XXXX to XX/XX/XXXX for your reference. 

Thank you
Product: Debt collection

I dont owe anything to FMS Investment Group. I request to stop and cease all methods of communication with me. PLEASE STOP HARRASING ME!!! My name is XXXX XXXX not XXXX XXXX XXXX!!!!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I ordered a copy of my credit report and discovered that there were items listed in my consumer report that aren't allowed by law and need them removed immediately. According to the FCRA the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The rules of construction exclude any report containing information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments shouldnt be included in the report as stated in sub section 603 ( b ) ( 3 ). I need these transactions removed from my consumer report because I never provided written permission for the consumer report to be furnished in the first place and under the FCRA subsection 604 ( permissible purposes of consumer reports ) ( a ) ( 2 ) my rights have been violated.
Product: Debt collection

On XXXX XXXX XXXX  a person by the name of XXXX XXXX used my social security number without my authorization or consent to open up an account with XXXX XXXX also currently known as XXXX. I have no knowledge of this person, nor do I have any association with them. Using the address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX, the account was opened using her name and my social security number. The email associated with the account was XXXX. The account was disconnected in XXXX XXXX XXXX  and the balance left on the account was {$380.00}. Recently I received a notice of a collection on my credit report from XXXX XXXX XXXX. I contacted XXXX XXXX at their office who advised me to file a police report and to contact XXXX XXXX. I contacted the XXXX XXXX XXXX XXXX Department on XX/XX/XXXX of XXXX and made a police report for identity theft. The police XXXX 's name was XXXX XXXX with the ID number of XXXX. The police report number is XXXX. I also contacted the XXXX XXXX department and spoke with their level XXXX security representative named XXXX. Her direct line is XXXX. I submitted my driver 's license, a current utility bill, a utility bill from XXXX, and a fraud packet I filled out to prove I am not that person and do not owe the debt. Currently I have a fraud protection alert on my credit although this was not in place for XXXX so the debt was placed recently by XXXX XXXX XXXX on behalf of XXXX XXXX even though I have proven that I am not this XXXX XXXX individual and have never lived at those apartments. I also spoke to XXXX XXXX who is the property XXXX for the property listed above. He has no record of me living in the apartments listed because it was XXXX XXXX who has lived there and opened up this account without my consent or knowledge. XXXX has had several data breaches which could also be the result of my social security being used. XXXX XXXX was negligent in allowing this person to open an account using my social without verifying her identity which would show it does not match me. They have continued their negligence by keeping me on the phone for hours and making me jump through hoops to remove the fraudulent charge from my credit report. As of today XXXX XXXX XXXX the charge remains although I have fully cooperated extensively. XXXX XXXX does not do their due diligence before assigning accounts or when collecting debts when it comes to verifying identity. XXXX XXXX wants me to find more bills from the exact date of when this person opened up an account. They accused me of needing to protect my identity better placing the blame on me as their current customer instead of the identity thief. XXXX XXXX XXXX won't do anything until XXXX tells them too which is the result of a holding pattern of no one getting anything done. Meanwhile my credit on my credit report is damaged causing me extensive stress and hours of work missed on the phone asking for help with no resolution at hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is violation of FCRA ( 15 U.S.C. 1681 ... ) As this information is inaccurate and they will be sued for that reason. Trans Union is the only agency reporting this information as I have attached all screen for proof and other lagel documentation from prior disputes with CFPB. 

Records : # XXXX # XXXX # XXXX They have sent a generate response, which holds no weight. I demand a discription of reinvestigation and all parties involved. That would included names, phones number, addresses and documetation of proof. Please provide me the method of verification and accuracy of this account # XXXX ( XXXX XXXX XXXX  ) as XXXX  and XXXX  have remove this acocunt from my credit report. 

Now that we have made all the attempts to get this corrected and have a paper trail, we can move to forward to the courts and Trans Union will have to explain Why they are the only agency that is reporting this inaccurate information and destroying my credit report.
Product: Checking or savings account

XX/XX/year> I went to make an ATM withdrawal from the TRUIST Branch in XXXX, XXXX. My card was confiscated. I went into the branch to inquire. I was told that they do not service their machines. I was clearly upset. I asked what was wrong with my account, they could not answer. The next day, I received a phone call saying my card had been destroyed. The employee could not tell me why my card had been confiscated or if anything was wrong with my account. Approximately a week later I talked with the branch leader, he informed me that Truist was ending their relationship with me and that there was nothing wrong with my account. He said machine error took my card. Last week I received a letter stating my account will be closed sometime in XXXX. Today, XX/XX/year>, I received a letter stating if I step onto Truist property I would be trespassing.