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

TD Bank took funds from my account for a safe deposit box I surrender back to them and closed the account three or more years ago. The funds were taken out of a new account I have, which has no safe deposit box tied to it. The branch I had the safe deposit box is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

The date the funds were taken out of my account was XX/XX/year>, and I have met with the Branch VP XXXX XXXX and Assistant XXXX XXXX XXXX, resulting in them investigating the matter. On XX/XX/year>, an in person meeting with VP XXXX XXXX and a locksmith, of their chosen drilled safe deposit box number ( XXXX ), revealing no contains. At this time, I was advised by the VP that my account would be credited with XXXX hrs. As of this date my account has yet to be credited and on XX/XX/year>, the Assist Manage advised me that they are still investigating the matter. 


Thank you,
Product: Credit card or prepaid card

I submitted a dispute to BBVA Compass Bank regarding two {$100.00} charges on my account dated XX/XX/19. I received ticket # XXXX on XX/XX/19 from XXXX and was told I would receive some forms to fill out and sign within 10 days. I never received these forms nor did I receive the dispute acknowledgement that they legally were supposed to send me within 30 days. Also this dispute has not been resolved within the two billing cycles they are supposed to have resolved it within legally. 

I called them again on XX/XX/19 asking again why I've received nothing and what was going on with my dispute and spoke to XXXX who stated he knew nothing about any forms and told me to wait longer. He also gave me the phone # to call the dispute department directly. 

I called again on XX/XX/19 directly to the dispute department and spoke to XXXX who stated that nothing has been done on my dispute and the ticket # was just notes stating I had started a dispute. When I complained about no one working on this dispute and them just giving me the run around, she stated she would put me on hold and " get this dispute to the finish line '' After leaving me on hold for a half hour, she just transferred me back to the original customer service department again! 
I spoke to XXXX and insisted on speaking to a manager so he transferred me to someone named XXXX who was just as useless and unhelpful as everyone else I've spoken to at BBVA. She said she couldn't control the mail if I didn't receive the letter, but wouldn't tell me that they had even sent one. She also wouldn't tell me why there were not any correspondences in my online messages or any copies of this non existing letter or what if anything was done on the dispute. She again told me just to wait and maybe this would end up in arbitration!! When I told her I was fed up with the run around I was getting and the terrible customer service her company has she couldn't have cared less. She stated " do what you have to do '' when I told her I was filing complaints against BBVA.  She said she would escalate my dispute to another manager but wouldn't transfer me to them so I have no idea if she even did that or if she just added another note or did anything at all to resolve this dispute.
Product: Credit reporting or other personal consumer reports

I do not have an XXXX credit card or account. I first noticed the XXXX Partial Account # XXXX ( last digits excised ) when viewing my Experian credit report late XX/XX/XXXX. I had never seen it before even though it is purported by Experian to be in existence since XX/XX/XXXX. During the Experian dispute process phone representatives stated that both my name and social security number are associated with this account. I do not recognize the account. None of my personal financial accounts have ever made payments into this account. I have never received billing notices or statements from XXXX regarding this account whether by mail or email or text. This is clearly fraudulent use of my name and social security number with no reference to my address or contact information. Experian will not remove it from my credit report until the fraud is recognized. I do not know how my identity information was obtained. I want any and all of my information associated with this XXXX account removed. Experian has started a fraud dispute on my behalf. I have also gone back and forth with XXXX on this issue. Concurrent with this CFPB complaint I am filing a further detailed complaint to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX GA XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.
Product: Credit card or prepaid card

On XX/XX/2020 to XX/XX/2020 I was traveling from XXXX AZ. to XXXX OH. 
On XX/XX/2020 I checked into a XXXX XXXX XXXX in New Mexico and was informed there was a problem with my XXXX XXXX XXXX credit card which was never out of my possession. 
I called XXXX XXXX XXXX and told them to cancel the card. 
I tried to resolve the problem over the phone to no avail. They gave me a case number for their investigation # XXXX. I called several times over the next few months and was told the investigation was ongoing. I had paid the bill so I would not be charged interest on the bad charges. I was told I did not have to pay disputed charges while they were under investigation but they would still add on the interest charges. 
The charges they never resolved are : XX/XX/2020 XXXX  XXXX XXXX  XXXX SC {$100.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX CA {$110.00} I was in XXXX AZ XXXX/XXXX/2020 XXXX XXXX XXXX SC {$97.00} As I explained above I was in New Mexico on my way to XXXX Ohio. Based on my credit card statement there is no way I was in any of those locations. 
Based on this information I do not believe CITI acted in good faith.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX XXXX ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX  See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, my credit score was XXXX. As of XX/XX/XXXX, I was alerted by XXXX XXXX that my score dropped by XXXX points. As this caused me great alarm, I looked into it and found that I had been sent to collections at Sequium Asset Solutions for a bill originating from XXXX XXXX XXXX for in arrears for approximately {$4000.00}. 

I have never ( in my life ) had an account with XXXX XXXX XXXX and believe that this is fraudulent. I submitted a dispute with XXXX who stated that the disputed information was confirmed to be me ; I submitted a dispute with XXXX who deleted this fraud from my credit report. As of this note, I have submitted a fraud claim with XXXX XXXX XXXX and have not heard back from them.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ). This practice violates. against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I made a digital deposit of {$1000.00} yesterday XX/XX/year>. {$400.00} of that was made available right away. I proceeded to make a bill payment of {$200.00} leaving approximately {$260.00} still in my account with Wells Fargo. I woke up this morning, Checked my account balance, and it was - {$130.00}. I called Wells Fargo and they said that due to some unusual activity with my employers bank, which I received the check from, Wells Fargo decided to hold all of the check, the entire {$1000.00} including the XXXX I received yesterday, XXXX of which I had already spent. according to the terms of my agreement on this account, whatever shows as available is meant to be available for spending and yet because I spent that {$200.00} and then they removed XXXX. I am now in the negative and overdrafted, and they sent me an email today, the XXXX, saying that if I did not have that overdraft compensated for by XXXXXXXX XXXX tonight, overdraft fees would start applying. This was confirmed to be true by their customer service representatives. They have essentially stolen my money and now theyre going to charge me for it. They said they will not be making my check available until XX/XX/XXXX, which is fine because I dont need anything until then, but as of yesterday I had {$400.00} available, I spent XXXX, and then they withdrew that entire XXXX. So now THEY have overdrafted my account and they are going to penalize me for it. I have spoken to them three times today and cant get anywhere. It should be noted that I have pictures of my account showing how much was available, when it was available, what was posted when, and what the terms of my agreement are with this bank account, which states that whatever shows as available is money that is there to be spent ( in this case, the {$400.00} as opposed to the full XXXX ). It should also be noted that I spoke with my employer. Nothing looked unusual on their side and my full {$1000.00} had cleared their bank account. It was no longer there. i.e. Wells Fargo has it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other 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 .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXXXXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX  Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Thank you for taking the time to read this. Upon review of my XXXX, XXXX and XXXX credit files I noted 3 payments that are reported as late. I have disputed the late payments already two times and I am sincerely hoping someone there can take a closer look at my file. The payments were, in fact, missed, but prior to me missing the payments, I called every month I was unable to pay and was unable to get through to your company ( XX/XX/2020, XXXX, 2020, and XX/XX/2020 ). I was affected by COVID and tried to get a deferment and couldn't get through and therefore accounts ended up being late. I am hoping you can make the necessary adjustment under the CARES Act.
Product: Credit reporting

In XXXX 2015 Experian stated to me that they could not delete the inaccurate personal information from my credit file such as the incorrect addresses, incorrect names, social security number variations ( when they clearly know my ssn and have proof sent to them ), inaccurate telephone numbers, inaccurate employers, etc. It is still reporting on my credit files and this is violating the FCRA and my consumer rights. They stated that the furnishers of data submits this information ( whether right or wrong ) and it would be up to me to contact them. Again, this is a violation. They even suggested me file a police report to remove the items.
Product: Debt collection

I have this company reporting false and wrong information on my XXXX XXXX and XXXX  credit report. Enhanced Recovery Company its an account that is fraud that they are reporting under my name
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report. They are hurting my abiity to obtain credit. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to all   XXXX   credit bureaus in  XXXX  asking them to remove credit inquiries that were not authorized by me. I have fraud protection on my credit files so that authorization must be given in order to pull my credit. Can you please help me. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I went to a XXXX  and they reviewed my credit card and I saw that I had 20 hard inquiries that I don't recognize and it is hurting my credit score.
Product: Debt collection

The lender sent a representative to my house who knock and rang my doorbell before XXXX XXXX  ( approximately XXXX XXXX  local time ) on a Saturday. The lender has previously sent representatives under the pretense of verifying occupancy which has been done and yet they continue to send people and this time at a very early time in the morning. I contacted the lender to inform them and no apology was made and did not say they would not do so again.
Product: Bank account or service

I deposit appoximately XXXX in order to cover all my bill payments. The bank name Wells Fargo has charged me overdraft fees for no particular reason, I was told anytime, when you deposit funds in your account when your balance is in the negative, and you deposit your funds into your account, there should be no overdraft fees. While Wellsfargo charge me up to XXXX overdraft fees, for nor particular reason. and could not address the issue of why the bank did so. I was told by a rep that if my account access a overdraft fee is to call back to the back and the bank will resolve the issue. Well I was misinformed about the situation when I talked to another rep, to resolve the matter. And the rep told me I should have gotten the rep name and number. I feel like Wells Fargo is a scam. Why would I get the rep number and call the rep concerning my account. I was treated very unfairly and I decided to file a complaint. Wells Fargo has charged me XXXX in overdraft fees.
Product: Payday loan

My balance was under {$50.00} and they added charges totaling over {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX, I noticed several fraudulent charges on my Bank of America credit card account and called their fraud services. A fraud case was opened and several, but not all, of the charges were cancelled. 

On XX/XX/XXXX, 3 of the fraudulent charges went through, all from XXXX XXXX XXXX XXXX, with the amounts {$120.00}, {$230.00}, and another {$230.00}. 

On XX/XX/XXXX, I received provisional credit for {$120.00} and {$230.00}, but not the other {$230.00}. 

On XX/XX/XXXX, the credit became permanent and the case was closed even though there was a remaining fraud charge of {$230.00}. 

On XX/XX/XXXX, I called the fraud number again and asked about the other charge. The representative told me they " didn't add that charge to the system '' and said they would take care of it, and that I would be getting provisional credit for it. 

On XX/XX/XXXX, I called again because I didn't get the credit yet, and the representative that time told me that I wouldn't get credit until the case was closed, and that the previous representative was mistaken. 

On XX/XX/XXXX, the claim is still " being researched '' according to the Bank of America website, so I called yet again. The representative XXXX XXXX from Texas ) told me that the still hadn't put the remaining charge into the system, and that he would do that and give me the provisional credit. 

Now it is XX/XX/XXXX, and I still haven't gotten provisional credit for that last charge from XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Re : Notice of Dispute Dear CFPB, I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : XXXX XXXX XXXXXXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX XXXX Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. ) XXXX XXXX - Delete this account because you are inaccurately reporting ( ATTACHED REPORT SO YOU CAN SEE THE DIFFERENCES IN EACH ACCOUNT. 


You have XXXX  days from the receipt of this notice to conduct a reasonable investigation to determine whether the above information is inaccurate and delete the items from my consumer file. Please forward any changes to my file to the address above. 

Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inquiries that i did not consent to, authorize, nor benefit from. According to the FCRA 1681 ( B ) ( 2 ) nothing on the consumer report shall be furnished without the written consent of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have filed a complaint multiple times about fraud and Identity theft on their online platform. I have called and mailed disputes about the issues numerous times. I also have a police report about the matter. 

All three credit Bureau 's enabled the false reporting, after I expressed the issue to them, and they still continued to allow the false reporting Ignoring the FCRA LAW.

INQUIRIES ( 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/19 @ XXXX from XXXX states calling from portfolio recovery I received a call, agent identified herself and the company. I ask her to remove my number she told me she could not do so. I then asked her to cease & desist all calls to my number and gave her my number. She said she couldnt do so and ended my call. 
XX/XX/19 @ XXXX from XXXX another call and I answered and stated to cease calls before I heard a voice then they hung up XX/XX/19 @ XXXX from XXXX agent stated from portfolio recovery I asked her to cease all calls and she said she couldnt do so until I told her who she was speaking to. I again asked her to not call my number. She hung up.
Product: Vehicle loan or lease

In XX/XX/XXXX, Navy Federal Credit Union charged off my auto loan and reported it to the credit bureaus. In XX/XX/XXXX, I submitted a Consumer Loan Payoff Letter, which was Accepted for Value ( A4V ) and returned with my endorsement, fingerprint, and stamp. I also issued a Promissory Note as part of my payment, which was received and confirmed by Navy Federal via certified mail receipt. Despite this, my account was not updated to reflect the payment. 

In XX/XX/XXXX, a third-party company, XXXX XXXX XXXX wrongfully repossessed my vehicle, even though my loan had already been settled. XXXX XXXX obtained my personal information through Sums Skip and XXXX XXXX, a company that I did not authorize to have access to my private data. On XX/XX/XXXX, XXXX XXXX attempted to confirm my personal details over the phone. I refused and was directed to contact Navy Federal. 

On XX/XX/XXXX, when I attempted to retrieve my vehicle, I was informed that I would need to provide a key for verification with Navy Federal, or else a new key would be cut. The vehicles VIN was covered, and the vehicle was locked when it was taken, raising concerns about the legality of the repossession.