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

I was on my way to work and I was receiving text messages from Citizens Bank. With the amount of messages that were coming through were making me worry. Upon arriving to work I immediately logged into my Accounts ( 2 checking ) I noticed that one of my accounts had {$1000.00} removed from it. I clicked on it to see how this money was removed if my husband made a large purchase or something. No it was a " XXXX '' transaction. So I went started to call Citizens Bank. Then I clicked on the other account to see {$900.00} be withdraw through " XXXX '' in front of me. I did not know what to do. I did not know who was doing it. I did not know the email it was going to. I clicked on the " XXXX '' app from the Citizens account and Request the {$1000.00} back as I was still on hold and did not know what else to do. The {$900.00} was still pending. When someone from Citizens came on the line I explained the situation, told her that I am being a victim of fraud. I did not authorize this or know this email address. That I did request the {$1000.00} but I do not know how that works but the Citizens system is not allowing me to request the {$900.00} back as it does not show me the account it came out of why. She did not know why and was transferring me to Fraud prevention. They said you can not request the money back we will put in a case. They did not give me a case # or anything. I hung up called my husband. He left work went straight to the bank they advise we close both accounts as they can see the account # online and now can process ACH on our account. So they did that with him. They also called the fraud depot and processed a claim. Which said I did not do. They denied the claim said I was online at the time the transaction was happening I must have been talking to the person. I said I was not I was talking to the Citizens rep. The filled the claim again and denied it again! " XXXX returned the {$1000.00} as they said this email address over exceeded the amount you can request in a day and I requested mine back so they returned the {$1000.00} back but I was not able to request the {$900.00} and Citizens will not help!
Product: Credit card

I opened up a credit card with BBVA Compass. The credit card came with a promotion of getting XXXX points worth a {$100.00} statement credit after opening up the credit card and then making {$1500.00} of purchases within a time limit. I have made the purchases within the required time limit and have not received my points. I received a voicemail message from BBVA Compass on XXXX XXXX, 2016 admitting that I had met the terms of the promotion and that I would receive the points within 2 weeks. It is now XXXX XXXX, 2016 and I still have not received the points that I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

One about XX/XX/2020 I had numerous accounts deleted from my report as follows XXXX/XXXX  # XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX, XXXX XXXX  XXXX # XXXX # XXXX # XXXX from Equifax I have reached out numerous times requesting those accounts be reinstated Equifax also sent me 3 separate credit reports stating those accounts are being reported. The problem Im having is when financial institutions are pulling my report from Equifax those accounts are not being reported I signed up for My Equifax credit monitoring online they also showing those accounts not being reported I have contacted them over the phone and have spoken to a supervisor without resolution on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

A company ( DUVERA BILLING SERVICE ) is trying to collect a debt, which are also listed on my personal credit report. I have requested several times for verification. This company ( DUVERA BILLING SERVICE ) will not furnish a signed authorization, they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my personal credit file and again all I receive is statements
Product: Debt collection

The company XXXX has been asked to give the following : Original Contract with my signature Pay off Disclosure Interest Rate Disclosure Balance history Payment history Credit Insurance A check / payment from myself I have received none of the above. This debt has gone from XXXX to XXXX XXXX XXXX To the Bureaus. Take a look at the attached letter from XXXX XXXX XXXX XXXX. They claim they dont know the interest rate. Dont know the Last payment if assignee ( if any???. They have no contract, And to boot at the bottom of the letter is says : This is not an attempt to collect a debt???? WHY WHY WHY XXXX/Equifax are they on my credit report. And as of XX/XX/XXXX it is 4 years and that is the Statue of Limitation in my State of Pennsylvania ... ... soooooo REMOVE NOW!!!! On XXXX XXXX and XX/XX/XXXX it says the debt started XX/XX/XXXX, so thats 4 years, they have no payment history as you can see from their letter, and no checks, contracts anything. So you must remove by law, because im not being sued, this is not my debt and you must remove by law.
Product: Debt collection

I rented with XXXX XXXX from XXXX at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX IL XXXX. During the first year, my bedroom flooded and my insurance paid. I lost a XXXX  and XXXX brought in nothing so I couldnt move out after. I signed on again and then my sewer backed up into my kitchen and my tap broke. Maintenance locked it up for up to 1 month because he claimed he couldn't find the tap part. We washed our plates with bathroom water which turned yellow-brown sometimes XXXX I have XXXX kids. I couldn't let them drink or be there when the XXXX sink would bubble out daily with sewer water. I left to rent with XXXX in XXXX, instead of XX/XX/XXXX when my lease was to end with XXXX XXXX. Meanwhile, a neighbor on the same floor was given another room on a higher floor when she experienced mere flooding. I thought it was because I owed so I didn't complain. 

On XX/XX/XXXX, the property manager met me in the garage and took my unit keys from me because she said they, the management, didn't want me to have access to the building. Meanwhile, I was supposed to rent the unit till my lease was up on XX/XX/XXXX. She said to send any interested persons that would want to rent my unit, to pay my bill, to her office. I parked my car on the XXXX floor of the buildingsgarage, even after I moved in XXXX, and I used the elevator to access it. It was then I felt the issue was a XXXX one. 

I asked the XXXX XXXX team if I could bring them a check to pay down my bill, they said no, and that a collector would contact me to work with me. 

Now some months later, Im looking for rent after renting with XXXX and Im being rejected for having a rental collection on my credit score. I called FCO in MAryland, they claimed they called me but didn't leave a voicemail, text or send an email. I found FCOs mail, far later than their dispute date and they said they can't do anything about it, and can not take it off my score. 

Now, I have XXXX little kids, and I'm XXXX. I have complained and sent all this in an email for the right figure to pay off so I can rent, they have not replied. 

I need urgent help to reach them fast, to get the right figure to pay and to take this error off my credit report as it's not true, and they did not contact me for the amount to be paid. {$9700.00} is the bill they have sent me, but if they took the keys from me because they did not want me to access the building, and with a broken tap, Do I have to pay those months because of the lease? Did they not break it up by taking the keys? 

Please, urgently help me and my kids. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 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, XXXX '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 ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 
XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Since XXXX I have not been able to have access my unemployment benefits for alabama unemployment. I filed my claim in XXXX and have been receiving benefits since XXXX with no problem out of nowhere my card locks and has been suspended according to customer service and I have tried three times to speak with somebody higher than customer service and tier 2 to resolve this issue and unsuspend my benefit card to access my monthly benefits every week I certify my week and it's processed to their card and has been since XXXX when I stopped being able to access it according to customer service I needed to do an identity verification one time out of the three times I've been able to speak with somebody a woman gave me a long fax number I've got two documents or three documents needed which I mailed them because I couldn't figure out how to do the facts so I did the other way she said which was my back and front driver 's license and a copy of my social security card and a tax return prove my social security number they claim they never received it's now been months several months as I still claim my weeks with no way to access my funds and nobody to tell me nothing cuz when I call back now I can't even get anybody to tell me exactly the address or fax number of where to verify that I sent it correctly since they say they never received it please help me to get my benefits back in order and unsuspend my prepaid card account this is ridiculous
Product: Checking or savings account

On XX/XX/2023 I sent someone on XXXX {$1300.00} for a bag. After the money was sent they blocked me and I never received the item I paid for. I filed a claim with my bank, Wells Fargo bc the money came from my checking account but they denied my claim. The Wells Fargo representative who helped me file my claim said I would be able to get my money back but the following XXXX they denied it and I did not get my money back and they said it was my fault.
Product: Money transfer, virtual currency, or money service

I am trying to link PNC account to XXXX investment app. I tried several weeks ago to link my account and it said that PNC doesn't allow that but that they are working on it. 

I waited several weeks ... maybe a fee months and then tried again today. ( XX/XX/2020 ) They still do not have it straitened out so that the two accounts can be linked. I would like it to work as soon as possible. Thanks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened up a fraudulent account under my name. I did not authorize this account nor was I aware it existed until it was sent to collections. I filed a police report and sent it to XXXX at their request. I've made XXXX amd the credit bureaus aware and it is still not fixed. This account should not be on my credit as it is not mine and is fraud.
Product: Credit reporting or other personal consumer reports

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


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

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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$7800.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$0.00} INQUIRIES : 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
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we need to eliminate any erroneous accounts from my credit report. Can you review the documents? Several accounts listed have incorrect reporting, with inaccuracies in amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just completed a chapter  XXXX  bankruptcy that included the    XXXX   XXXX      home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   home loans should now read closed. zero balance.
Product: Credit reporting

I have filed several disputes for the account XXXX XXXX acct # XXXX. The credit reporting agency says their reporting correctly, which their going off the creditors original info. XXXX is a collection agency. They bought the original acct from XXXX 's clothing acct # XXXX in which the XXXX delinquent date was in XX/XX/XXXX. What XXXX XXXX is reporting is from the time they bought the acct in XX/XX/XXXX. This account has been delinquent over 7 year and is still reporting to all three credit report agencies. I 've sent letters to XXXX XXXX and to the credit reporting agencies requesting this to be deleted and both are not complying nor are they spending the amount of time to investigate to get the accurate info.
Product: Checking or savings account

On XX/XX/2022 I contacted my banking institute [ XXXX  ] to request a replacement debit card as I'd recently lost my wallet. As my payroll was going to be deposited on XX/XX/2022 I paid the additional fee of {$24.00} for expedited processing of 2-3 business days. On about XX/XX/2022 XXXX sent me a text saying a delay had been experienced on their behalf and I would receive my package on or about XX/XX/2022. 
Subsequently XXXX claimed delivery on XX/XX/2022 at XXXX with no signature being required. I looked everywhere and spoke to my housemates and confirmed no package was delivered to be found. 
Ultimately on XX/XX/2022 I had to go to my employer and have a card issued so I could finally access my payroll monies. 
Thru no less than 10 calls with the banking institution I have been told I would receive the {$24.00} back thru reimbursement, that I had to take the matter up with XXXX  for reimbursement to Ultimately no reimbursement would be given. XXXX 's policies are that the sender file complaint not the receiver. 
Subsequently I requested a dispute be filed against that transaction stating I'd paid for services but did not receive them. The institution flat out denied me to file a dispute. 
Phone calls to the parent company of fifth third bank have proven untruthful because nobody at any level knows of the possessorship.
Product: Credit reporting or other personal consumer reports

I contacted Experian on XX/XX/2024, as of this date I not received a response to the fact that I am a victim of identity theft. Per the 15 U.S. Code 1681i Experian is ib violation
Product: Debt collection

I got a call in regards to a debt that I do not recognize and have never received a bill for. I told the debt collector that I currently do not have the money but that I could settle the whole thing for {$100.00}. He started laughing at me and saying that there was no way I would be able to settle a bill that high for that little amount of money. felt that he was belittling me for being poor because he also had an exaggerated mocking tone.He then started saying that I would have to do a {$50.00} a month payment plan to which I responded that I could not afford that much. He then cornered me into admitting that I could potentially afford a {$10.00} a month payment plan. I kept telling him I have never received a bill for this I dont know what it is and I really just want to receive a debt validation letter before I take any more action. He was arguing with me, saying that he does not need to send me a debt validation letter, because all of the information, including the debt validation letter would be on their website. He then proceeded to show me the website, and once I was logged in, I saw that the only information available was a balance and my name, and my date of birth. And I told him that this was not enough information for me to pay him right then and there. We argued back-and-forth for a couple more minutes about whether or not I should be able to receive a debt validation letter. He tried to manipulate me into promising that I would do a {$10.00} a month payment plan if I received the debt validation letter. he basically said that it needed to be that exchange. I told him no I would need to read over it make sure it was accurate and speak with a lawyer. He was becoming more and more upset and starting to get aggressive in his tone, and volume that he was using with me. I told him that I felt that he was being very unreasonable, and that I had never spoken with a debt collector who is being this unreasonable. He would not let me get a word in basically this entire conversation, and at this point, he was speaking very rapidly, and I felt that he was speaking nonsense, so I hung up on him, I could very much tell that he was trying to coach me and just saying certain things trying to make me feel like I had no option to think about what I was doing before I paid him. I also felt that it was very strange that at one point in the conversation he said, I old one bill for about XXXX but add another later point in the conversation he said that this was the sum of three bills. I also told him that I was frustrated and confused with the situation, because had I received this bill I wouldve been able to apply for XXXX XXXX or financial assistance or just do something to square it away in general. He told me that this is not true, because it was a physicians bill that there is no way any of my insurance couldve covered it, and that there is no way I wouldve been able to get financial assistance. I felt that he was very much manipulating me into making a decision right here now to give him my credit card information over the phone.
Product: Checking or savings account

I have two complaints relating to BofA : 1. A Cashier check fee charged on XX/XX/XXXX for {$15.00} on my business account ending in XXXX. I should have free cashiers check yet a {$15.00} fee was charged. I'm requesting a {$15.00} credit as I should have free cashiers check. 

2. I paid off my auto loan first quarter of this year and have yet to receive any type of payoff or lien release for the vehicle. I can not sell or trade in my vehicle. I purchased another vehicle and was unable to trade in my XXXX XXXX XXXX weekend. This is an unfair practice that it would take 6 months to get a lien release? I want this lien release overnighted to me as soon as possible so I can sell my vehicle. 

XXXX XXXX XXXX Please have Bank of America provide a written mailed response to my home address on both of these issues.
Product: Credit reporting or other personal consumer reports

I am sending to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt.

I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : Complete payment history, as per the precedent set by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

Date of Last Activity.

Full, accurate social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor. 

The obligation between your company XXXX XXXXXXXX XXXX XXXX XXXX XXXX and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company. 

Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt. 
Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
Any other pertinent information regarding the creation of the debt by your collection agency like ( XXXX. Where the debt originated from, XXXX. ) The sum paid by the bad debt buyer for the plaintiff 's debt, XXXX. ) How the total amount was determined, and XXXX ) A list of documents that authorize the collection of debts. )
Product: Debt collection

As you can see from the screenshots of my call log, they call after midnight and before XXXX, regularly. This is just 2 examples of it. They dont want to talk, they want to terrorize me & interrupt my sleep. Business shouldnt even be open during these hours for them to be calling. The harassment is non stop. I had to set my XXXX to only ring for saved contacts just to avoid being waken in the middle of the night or at sunrise by CBE GROUP ( XXXX )