23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/2021 XXXX XXXX {$630.00} I enrolled into real-time rewards for my US bank altitude reserve card. But the charge above was not triggered the redemption system. So I lost the chance to use my reward points to cover this charge with XXXX cents/point rate. 

I have contacted US bank customer service but they refused to redeem XXXX charge with my reward points and did not provide any solutions. 

Please see the attached screenshot showing my real-time rewards enrollment. Car rental is included and highlighted. Apparently, there are issues in their system.
Product: Vehicle loan or lease

I finance a truck in XXXX dealer name XXXX XXXX XXXX give them XXXX in down payment more XXXX for plate My bank finance its Lend buzz Pass 2 months the dealer closed and never give my tags And I still make all monthly payments right Pass 6 months at day XX/XX/XXXX at XXXX XXXX  a town company come and Towin take my car. 
I stop by at police station the told me my car have been picking from the bank, I call the bank they says the dont have anything we this, I stop by at DMV the told me the car never has been transfer for my name and the car lend holding its not my bank its a credit union, all my personal items its inside the car iDs, SSN , drive license, bank cards. For me goo get my stuff I need to pay XXXX just for pick up my personal items. 
For all this 6 months I us make alright payments XXXX a month they take my car I did the complain at DMV ( complain number XXXX
Product: Debt collection

I am writing to express my profound distress and frustration regarding the extended period of over a year during which I have received no response to my claims of identity theft from your bureau. 

The weight of this ordeal has grown increasingly burdensome as each day passes without resolution. My attempts to seek justice and protection against the heinous crime of identity theft have gone unanswered for an inexcusable length of time. 

It is deeply disheartening to think that despite my diligent efforts to provide the necessary documentation and follow your bureau 's guidelines, I remain in a state of distress, insecurity, and uncertainty. The toll this has taken on my financial stability and emotional well-being can not be overstated. 

XXXX XXXX I expect a written acknowledgment of this dispute letter and a commitment to investigate my identity theft claims thoroughly and promptly. The law mandates a timely response, and I insist that your bureau fulfils these legal obligations without further delay.
Product: Checking or savings account

On XX/XX/2022 I wrote a check for my mortgage in the amount of {$2000.00} to first merchants bank. On XX/XX/2022 the check was deposited and cashed into an account at XXXX. The check was clearly written to our mortgage company. We contacted our bank which is Old national bank and we told to make a police report to report fraud. We did. Old national then said that they would reach out to XXXX with phone calls and letters which they did with no response from XXXX. Old national bank now says that they can not do anything until the other bank contacts them. Old national bank will not help us do to not having a bank manager at the bank the check originated from. They are FDIC insured for this reason and we still can not get any help. They have told us to file a complaint with you.
Product: Credit card or prepaid card

On XX/XX/2022 i was charged {$640.00} for XXXX XXXX XXXX XXXX. The charge was not authorized by me nor did i have knowledge of this charge and is therefore fraud. I called the company and was told the card was not present for the transaction and was made by a man. Im a woman and i was in the hospital at the time with covid. The establishment where the charge occured is also over an hour from my home. I filed a complaint on XX/XX/2022 and it was denied. I've filed another complaint on XX/XX/XXXX, XXXX im waiting to hear back. I want my money back since this is fraud.
Product: Checking or savings account

Hello, I attempted to use my mobile banking account and received a notification to call Bank of America. When I did call, I was told my account has been closed. I have no idea why and was told it was an identity issue, which makes no sense as I was and am able to identify myself. I am in XXXX, XXXX and looking to receive a refund from an airline company that did not receive my payment because of this account closing. I was issued a refund but I am unable to check my account for it because I have no access to my online banking anymore. Please help me with this situation, I truly need to go home. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following current and collection accounts listed on my XXXX, Trans Union and XXXX credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did NOT give written permission to have these fraudulent accounts furnished on my report. I surely hope that each company will comply with code ; 15 usc 1681a2 ACCOUNTS : XXXX 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

These late payments are not reflective of my standard payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$660.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$460.00}.
Product: Checking or savings account

This complaint address two issues I had for the same account at the same bank. I opened a Burial Reserve CD for my mother with XXXX XXXX  on XX/XX/XXXX. I am a her legal guardian & paperwork was provided to both banks, several times. It was for 5 years, which was to mature on XX/XX/XXXX. The account number was XXXX. In the meantime, BB & T bought XXXX XXXX  & the CD was assigned another account number XXXX. When the CD came due last XXXX, the rate they were offering was less than desirable & they would not match a rate I could get elsewhere, at that time I asked to close the CD. They refused to close it unless I had a representative from the funeral home ( of which they had no interest in the account until she dies ) come in to close the account. The funeral home was not an authorized signer & were not even aware of the account. Due to the time restraint with the grace period, I was forced to leave the CD with BB & T. I was then told to take the new signature card to my mother to sign, that it had to have her  signature, even though they had the Guardianship papers, which I provided yet again. I then recieved in the mail a modification notice with the new terms & rate. The second issue came with an Abandoned Property Notice I received on XX/XX/XXXX. It stated that since there had been no client related activity within the past several years, that the CD would be escheated to the state on XX/XX/XXXX. Even though I had been to the branch at least twice during the grace/renewal period, in person, & had to make a special trip to where my mother is in a nursing home to have her sign the new signature card, then returned to the branch, in person, to drop it off. I did sign & date the escheat notice to claim the property & returned it ( no they couldn't even provide a return envelope ) by mail on XX/XX/XXXX but surely, my account isn't the only one that may be escheated to the state in error.
Product: Mortgage

On XX/XX/XXXX my house was finance with XXXX XXXX company. XXXX insure me with XXXX XXXX XXXX XXXX of Florida. At this time I already had outside insurance on my home. Insured with XXXX XXXX co XXXX XXXX SC XXXX XXXX XXXX XXXX My house payment increase do to the insurance that was put on my home from XXXX. On XX/XX/XXXX I got switch over to Shell Point XXXX. XXXX XXXX XXXX company of Florida sent me a letter stating that this insurance have been cancel due to me having outside insurance. Cancellation date XX/XX/XXXX at XXXX am the day that the insurance was brought from XXXX. XXXX returned was {$910.00} back to XXXX. This document was faxed to Shell point along with proof of insurance on XX/XX/XXXX. My payment for XXXX is {$570.00} which it should be {$440.00}. I have called Shell Point several times and they fell to fix this. Have spoke with Supervisor of Shell Point and supervisor states, " I can't fix it until XXXX send us the money. '' Attempt to call XXXX and they are not accepting any calls. An analysis was done for XXXX brought payment down to {$450.00} due to escrow from insurance. My agreement that was sign when I purchase this house had no escrow account. Until this matter is taken care of and I receive my overpayment I refuse to pay. My agreement with this finance company is XXXX x 30 years. The number to my insurance company XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my dissatisfaction with the resolution provided by XXXX and Experian concerning my credit report disputes. I believe their closure of my complaints lacks strong verifiable proofs and has left me in a state of frustration. 

Both XXXX and Experian have informed me that the disputed accounts were considered valid, yet their explanations indicated uncertainty due to a lack of response from the furnishers of information. In contrast, XXXX has taken a different stance, declaring the disputed account as current and invalid. The inconsistency between these credit bureaus is causing significant distress and has led to the continued reporting of unverified and invalid information on my credit files. 

This situation is undeniably unfair and reflects a lack of diligence on the part of XXXX and Experian. Their failure to thoroughly investigate and resolve discrepancies in my credit report is not only disheartening but also has tangible consequences on my financial standing. 

I kindly request the Consumer Financial Protection Bureau 's intervention in reviewing and addressing this matter. I believe that a comprehensive and unbiased investigation is necessary to rectify the inaccuracies in my credit report and ensure fair reporting by all credit bureaus involved.
Product: Debt collection

I am writing to file a formal complaint regarding an inaccurate debt entry that has been reported on my credit report. After reviewing my credit report obtained from XXXX, XXXX, and XXXX, I discovered a debt associated with XXXX  XXXX XXXX XXXX that I have never opened or authorized. 

The details of this erroneous debt entry are as follows : Creditor 's Name : NCA  Original Creditor : XXXX  XXXX XXXX XXXX Amount of Debt : {$390.00} I want to emphasize that I have never had any financial dealings with XXXX  XXXX XXXX XXXX and have never opened an account with them. The inclusion of this debt on my credit report is not only inaccurate but also damaging to my creditworthiness and financial reputation. 

I have taken immediate steps to dispute this erroneous debt entry with  [ creditor 's name ] directly, but they have failed to respond or rectify the matter. It is disheartening that despite my diligent efforts to address this issue, the credit reporting agency has continued to report this inaccurate and unjust debt entry, which has had a profoundly negative impact on my financial standing. 

I request that the Consumer Financial Protection Bureau launch an investigation into this matter and take the necessary actions to rectify this egregious error. I kindly ask that you contact NCA/XXXX XXXX XXXX  on my behalf and demand that they provide verifiable proof of the alleged debt or immediately remove the entry from my credit report. 

I implore the Consumer Financial Protection Bureau to expedite its investigation into this matter as the inclusion of this false debt on my credit report is causing significant distress and adversely affecting my financial well-being. I kindly request that you keep me updated on any progress made and provide me with regular updates on the resolution of this issue. 

Please feel free to contact me at your earliest convenience should you require any additional information or clarification regarding my complaint. 

Thank you for your prompt attention to this matter. I am confident that with the intervention of the Consumer Financial Protection Bureau, this erroneous debt entry will be swiftly rectified, and my credit report will be restored to its accurate and fair state.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, My name is XXXX XXXX. I recently purchased a vehicle from XXXX XXXX of XXXX XXXX. They used TD Auto to help me finance the car. When I purchased the vehicle, I was informed by XXXX XXXX, the sales agent, that she would enroll me in a protection plan ( the XXXX protection plan ), and if I decided within several days that I did not want the plan, I could call back and unwind the plan. I did not understand the cost of the plan until later, and I did not realize that I really had no need for the plan until after purchasing the vehicle. So I immediately contacted XXXX to undo the plan - I have not been able to get in contact with her, and have not heard from her since. I need this expensive {$2900.00} protection plan undone and credited back to the loan. 

I was also charged a reconditioning fee of {$1000.00}. I was told by XXXX that this is a mandatory fee and the car could not be sold in Maryland without the fee. I objected, but did not have much of a choice at the time other than to accept the fee. After researching the fee further, there is no " requirement '' for such a fee, and the " reconditioning '' was not needed - I could have opted out. As such, I want this fee reimbursed as well and credited to my loan. 

I have been misled about these two add ons and I would like TD Auto to work with XXXX XXXX of XXXX XXXX to have these two fees reimbursed/credited to my loan. I have submitted a XXXX XXXX   XXXX complaint against XXXX XXXX as well.
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened a checking account on XXXX XXXX, XXXX. The account requires a daily average balance of at least {$10000.00} in order to remain fee free. In addition, I registered for a promotion whereby if I maintained a balance of at least {$10000.00} until the end of XXXX XXXX, I would get a {$350.00} bonus. I made a transfer into the new account of {$10000.00} which posted to the account on XXXX XXXX. As you can imagine, it takes a few days to get online access and to link an external bank account and transfer the funds. I logged into the account a couple months later XXXX XXXX XXXX XXXX to see I had been being charged a {$21.00} account fee for the past several months. I tried to chat with the Webster Bank team via secure messages on their online banking, to no avail. They insist that the first statement period was XXXX XXXX, XXXX - XXXX XXXX, XXXX and since the deposit posted XXXX XXXX, the average daily balance was slightly less than the required {$10000.00}. They will not refund all of the service charges to make me whole. In addition, they are not honoring the bonus which I signed up for even though it is clear I intended and made best efforts to fund the account, as you can see it was funded within a week. I will attached copies of all statements to this complaint.
Product: Debt collection

Debt was paid at the end of XX/XX/XXXX because I got XXXX in XX/XX/XXXX. My mother paid for that bill inFULL. I got a bill for collections for medical {$730.00}. I have a private doctor and XXXX and XXXX which COVERS ALL hospital and medical procedures will attach a COPY. tHE LAST XXXX BILL WAS OPENED IN XX/XX/XXXX, and the other one was open XX/XX/XXXX. I have had XXXX SINCE I GOT OUT XX/XX/XXXX until present. ACCORDING TO COLLECTIONS AND PAPERWORK WILL SHOW THAT i WAS XXXX AT THAT TIME AND IT IS IMPossible for me to apply for a phone in XXXX!!!!! ... Please investigate and any information needed please feel free to email me or call me XXXX, The XXXX debts are illegeitmate and the one debt for XXXX for XXXX opened on XX/XX/XXXX was PAID IN FULL. PLEASE CONTACT T-MOBILE and ask them why my account was open when i was it was paid in full and the other claim I was XXXX for 7 months more after the account was open ; and who authorized this transaction of opening another line on my name wihile me being XXXX in unsafe and strictly unprofessional. If these debts are not erased I WIll contact a lawyer if proof given today is not enough, the last image is the imei number which can tell you where the phone is and when it was used last. Please look into that as it will clear me,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was made aware of the Equifax data breach on XX/XX/2017. I checked on their potential impacted victims sight and was identified as having my information potentially impacted by this breach. I have checked two of my three credit reports, and there is no current suspicious activity. I have placed a 90 day fraud alert on my credit accounts to be made aware of any activity. I have also read up on the year of credit monitoring that Equifax is offering the impacted victims, but would potentially compromise their ability to join in any class action lawsuits. Since I believe this is not done in any good faith I am not currently planning on participating in this
Product: Credit card

On XX/XX/XXXX, I opened my PayPal online account to make payment. I saw an offer on the left side of the screen and I tapped the offer to view it. I closed the window as I wasnt interested in the offer. Fast forward, I reviewed my account as I received notification that I was over the limit ( And yes, Im over the limit due to this monthly charge ). I was surprised to receive this message as I do not use PayPal credit card. To my surprise, Ive been charged {$120.00} monthly since XX/XX/XXXX. When I called Synchrony bank, I was told that I accepted the offer of Payment Security Debt Cancellation Program. This shocked me because I did no such thing. They admitted that by clicking to view the offer, I purchased the program. This is wrong. This is unfair. I canceled it on XX/XX/scrub>XXXX
Product: Checking or savings account

Wells Fargo handled my debit card dispute for " merchandise/services not received '' completely incorrectly. I can clearly explain why in this complaint. This is in regards to Wells Fargo case number XXXX. The dispute was opened around XX/XX/XXXX. They denied my claim today on XX/XX/XXXX without ever sending it to the merchant 's bank and requesting any evidence or documentation. They should have done this according to XXXX guidelines as I already attempted to resolve this matter directly with the merchant. Wells Fargo is aware of this due to the signed forms they requested from me which I faxed back on XX/XX/XXXX. According to research on the internet, XXXX demands that the issuing bank requests supporting documentation or evidence from the merchant and/or merchant 's bank. If the merchant and/or merchant 's bank is unable to provide any supporting documents or evidence that they did provide the consumer then it should result in an automated reversal in favor of the consumer. However, Wells Fargo has told me the exact opposite of this. They are telling me that it is my responsibility to provide supporting documentation that I did not receive what I paid for. They said without this, they can not move forward with the dispute. I told them it was their responsibility as my bank to request that from the merchant, and that they have it backwards. The Wells Fargo Executive Customer Relation agent today I spoke to at XXXX told me that I need to call the claims team and request to have my claim reopened, and that I must provide documentation that I did NOT get what I paid for. Again, this is the exact opposite of how it works. I also tried to explain that the merchant was completely unresponsive and they have closed my account so I am unable to provide any sort of evidence that I did NOT receive what I paid for, even if that was my obligation ; which it is of course not my obligation. It is plain and clear that Wells Fargo handled my claim completely incorrectly and now I am suffering for their ignorance. They are now informing me that my claim is closed and they're reversing all of the provisional credit.
Product: Credit card

I am being contacted by XXXX XXXX XXXX about an account that is not mine. I have advised them several times that the account is not mind as I am a victim of identity theft. I have filed a police report can advised them of the same. However, they continue to contact me by phone and harass me into giving them a payment.