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

On XX/XX/XXXX of 2021, three unauthorized withdrawals were made totaling {$3000.00}, were made on my Bank of America EDD account. During this time I was in XXXX XXXX with family from XX/XX/XXXX .Attached you will find plane tickets, bank statements and pictures of my time in XXXX in order to verify my location during this time. On XX/XX/2021 I realized that my account had fraudulent activity, and promptly reported it to Bank of America. I have gone back and forth with Bank of America regarding this issue and they have been unhelpful and unresponsive to my situation. They have explained that there is video footage of me making these transactions. This is impossible, being that I was in XXXX with family. They also stated that they would make an appointment in order to review footage but have not communicated a time and date and have ignored all my calls and messages. During this times, COVID has been hard on my family and this amount of money is instrumental to not just myself but my growing family.
Product: Debt collection

Midland is saying I owe {$2100.00} to them. I asked for proof the debt was mine, original agreement signed with the original creditor, documents how Midland acquired the debt, proof that they own the debt. All I received was a copy of XX/XX/2022 statement from the original creditor. Now I'm in court fighting a debt collector
Product: Credit reporting, credit repair services, or other personal consumer reports

I am kindly seeking the CFPB help in getting these disputes resolved. Because your service as been great in the past, so thank you in advance. Experian and XXXX has created more financial hardship for me eversince I ask them to properly investigate the errors they reported on some closed accounts. But Experian responded through email totally disregarding the method I used originally to contact them through mail and not providing the information I requested. There are four ( 4 ) closed accounts XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. XXXX account # XXXX, date opened XX/XX/XXXX. And XXXX XXXX account # XXXX date opened XX/XX/XXXX, all have wrong credit limits with each credit bureau, the debt balances were only listed once and there was no full creditor information or current inquiries matching these accounts. which were closed because I wasn't responsible for them. XXXX conceded to the request and removed those negative accounts I listed before with any friction, so I don't understand why Experian and XXXX can't follow suit.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, made a purchase at XXXX XXXX, XXXX XXXX on the total amount of {$XXXX}, where I was offered the possibility of making the payment in installments. 

Firstly, they made me put my information into XXXX XXXX  ( First National Bank of Omaha XXXX where a limit of $ XXXX was granted, the attendant for reset mentioned system was not working and the transaction did not go through, I even received this note from skeps. On the other day, I received a notification from XXXX saying reset has confirmed a purchase on the amount of XXXX $ XXXX. 

I was asked to return to the store and, then XXXX, the XXXX who supported me, mentioned they would use XXXX and asked for my debit card details and ended up entering another loan in my name on the amount of $ XXXX. I have noticed that in the same day and he mentioned this was going to be adjusted once purchase is processed. 

I have been contacting the company since them and all they say is give us a couple of more days. 

I am still holding on my name XXXX loans ( XXXX with FNBO on the amount of XXXX $ XXXX and XXXX with affirm, on the amount of XXXX $ XXXX, and I do not have any purchase on such amounts and no one from reset is resolving my problem. I have contacted Affirm, who opened a dispute an contacted FNBO, who simply says that they are taking care of it, but tomorrow I have an installment being debited from my account, on a U $ XXXX loan I never received ( nor made a purchase on such amount ) Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX
Product: Vehicle loan or lease

on XX/XX/XXXX I Noticed the car was gone I Called The financing company and they told they took the car because they could not verify i had insurance, I told them yes i have full coverage, they told me to send the information. On XX/XX/2021 i switch insurance from XXXXXXXX XXXX to XXXX XXXX, but they never sent the information to the Financing Company. once they had the information, they told me i can get the car back, but they said i needed to pay for those fees which back than it was {$1700.00} plus storage fees. i said i am not going to pay for this when is not my fault.
Product: Debt collection

My recent credit report shows several accounts I believe were added without permission and are incorrect. Please block and remove these fraudulent accounts from my report right away.
Product: Mortgage

My school tax and city tax were incorrectly documented in my escrow account. I provided Citizens Bank with the accurate amounts for both but neither had been updated. They paid the correct city tax amount of {$3500.00} in XX/XX/XXXX but did not update the amount on the escrow account which they kept at {$25000.00}. I called the company multiple times over the course of 4-6 weeks ( XX/XX/XXXX until XX/XX/XXXX ) to have these updated and each time I was told it was in process. When I would call back, I was informed that nothing had been done yet and they would resubmit. This happened on multiple occasions. I was even told that I would have a manager call me within 24 hours to talk about this, but I was never called back. This also happened multiple times. I kept calling with frustration because my mortgage payment is off by almost {$5000.00} with these incorrect tax assessments, and I was frantically trying to get my payment adjusted to the normal amount, but Citizens could not get it together to make any adjustments. My school tax bill which is {$18000.00} which they also paid and have documentation of from the township remains at {$31000.00} on the escrow account. I finally called 2 weeks ago and was promised it would be " expedited '' or at least no longer than XX/XX/XXXX to be figured out. Today is XX/XX/XXXX and it has not been rectified and I am on the phone with Citizens again today and they are unable to resolve my issues. This is terrible customer service and business practice. They have no intention of making good on any of their promises and are causing me to pay thousands of dollars more than I need to keep in escrow at a time when not a lot of people have cash sitting around. I have no confidence in this bank nor do I trust any of their monetary practices. In what business is it acceptable to have such bad accounting practices. It is completely unprofessional. I have called Citizens so many times to resolve these issues but no one can help me so I am looking for an outside entity that can help me. I will never use them again for any type of mortgage or loan. I simply not trust the business practice or ability to manage money. Fortunately they have documentation of all the phone calls I have made with their empty and fake promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit on XX/XX/XXXX at XXXX EST and noticed the following erroneous inquiries listed on my credit that I did not authorize Navy FCU XX/XX/XXXX Navy FCU XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX/lXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX Navy fcu XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am retired fully on Social Security as my sole source of income. My deposit day with First National Bank of Omaha ( FNBO ) is the XXXX of the month. My funds ARE NOT in my account. 

I called into FNBO @ XXXXXXXX XXXX CDT as instructed by FNBO. I was told by their employee, XXXX, that the funds were in. They were not showing up in my online access to my account ( checking ). He transferred me to a Manager on Duty named, XXXX. XXXX instructed me to call Social Security Admn to obtain the FEDERAL TRACER ID # which I did. Social Security Admn informed me that the deposit advice had been sent to FNBO. I called FNBO back with the Federal Reserve Tracer ID #. FNBO informed me they lost my deposit. FNBO has no answers for me my rent is due ; I can not buy my prescription medication ; I can not pay some other mandatory bills as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX accnt ending XXXX was closed on or about XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX 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. 

Account Name : XXXX XXXXXXXX # XXXX - Balance XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All three provide useless telephone contact. To try and get into their reporting via any site they provide a lark, a joke a facade. They do not work. Frankly in my opinion by design!!!!!
Product: Money transfer, virtual currency, or money service

Im ready to formally express my concerns regarding Zelles handling and disputes, specifically with the recent CFPB lawsuit highlighting significant issues with the platform. Regardless, using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed me to investigate my claims satisfactorily. They informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams and scammers. The lack of transparency and accountability is concerning an unacceptable about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple complaints to the CFPB about Equifax 's failure to remove an erroneous bankruptcy on my credit report. I have submitted to them all of the supporting documents showing proof that it was deleted by the Consumer reporting agency they continuously claim is verifying the information. Because of their failures, this has hurt my ability to obtain credit including being charged higher interest rates than I should have been charged if they just do their jobs and remove this false and erroneous information.
Product: Debt collection

I have been receive d 4 call s so far from  Focus Receivables Management   XXXX   XXXX   XXXX . Twice I tried to return their call all I got was person not in or person is on the phone. To day I left a message  Do Not   Call send me a letter with all the details.
Product: Credit reporting or other personal consumer reports

There were inquiries added on my report that needed to be removed.
Product: Credit card

I have two Accounts with First Progress secured lines of credit. I have always paid off in time and fully. I have a bank account connected to my cards and the payments process and clear and the first progress always hold the payments not putting them towards my available credit for almost two weeks as of recently. This is excessive especially when there has been no returned Un honored payments, and I put a down payment securing the lines of credit on each one to build and repair my credit.
Product: Vehicle loan or lease

TD Auto Finance ( Finance Company ) has received an extra payment of {$6700.00} on XX/XX/XXXX, The company has not applied the payment towards my loan or Loan principal and hence, I have requested to refund the funds. 

The First complaint for refund was submitted on XX/XX/XXXX requesting a refund and the company spent 45 days without a response nor sent me a return check. 
The second complaint was filed on XX/XX/XXXX, The company have informed me that they are ready to forward me a check in 5 business days and I have kept following on the refund status every day until XX/XX/XXXX. 

On every occasion and call I have informed my financial hardship situation and pleaded to consider this issue as a priority and help me ( The customer who never failed or delayed a single payment. ) Me being a XXXX and XXXX XXXXXXXX was taken as an advantage, and been neglected & abused periodically for financial robbery and mental abuse with unnecessary and weird questions. 

Starting XX/XX/XXXX I was abused with weird security questions which were not questioned as a security question since the start of the loan and I am being put on long holds for over 30 minutes cycles for each and every call, and finally the call gets disconnected automatically after the wait.
Product: Debt collection

Good morning, I was made aware of the charged for a router that were due by a collection agency over the phone in late XX/XX/2023. Initially, I figured it was a scam call until I received a letter. Very confused, because I was never initially contacted by XXXX  ( the company that owns the property ) I never thought it would be sent to a collection agency. 

The first call with CBE I told the receptionist I was not comfortable giving my bank account over the phone and needed a website, which had not been provided. After doing my own XXXX search, I found the account online. Still, unsure if this was indeed a scam because there is an option to agree to pay less on their site which struck me and I would imagine any reasonable person as odd, I waited. I received an alert through XXXX alerts of a change to my credit of a collection on XX/XX/XXXX and immediately paid the $ XXXX dollars. Mind you, no due date on the amount owed was never given to me, and was never seen on the CBE Group website. 

Based on these facts, and the small amount due, which was paid, I am requesting this collection be purged from my credit file as I see it as unfair practice by both XXXX  and CBE Group. 

Thank you. 
XXXX
Product: Credit reporting or other personal consumer reports

I have tried, over the course of several days, to freeze my credit info on Equifax 's consumer website, myEquifax. It continuously stated that, " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' I tried to find a phone number in the support section of myEquifax to call Equifax to no avail. I had to go to the Equifax main website to find their support number. It is XXXX. It is only available from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I called this number on a Sunday and after waiting over a half an hour, I finally was connected to a representative. I told him about the issue with myEquifax and he explained to me that this was due to a technical glitch because of XXXX XXXX XXXX 's data breach. Apparently due to the overwhelming high requests to freeze credit information, their website is misconstruing these requests as a DDOS, distributed denial-of-service, attack. I explained to the representative that it is extremely inconvenient to have to call and wait XXXX plus minutes to freeze and unfreeze my credit information. He then told me that they were trying to resolve the issue as soon as possible. I then told him that they needed to get their act together as XXXX 's and XXXX 's websites had no issues whatsoever handling the huge influx of requests to freeze credit information!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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: Debt collection

XX/XX/2019 my account manager XXXX XXXX at XXXX XXXX XXXX IN XXXX, VA XXXX talks to me every rude because my car payment was late advised I was going through some financial issues and then she begin to ask me why cant XXXX people never pay there bills on time .. I have had issues with her or more then one occasion. I have addressed her manager and he assured me I would never be spoken to in a rude manner again. and nothing has changed.,. it has been to the point where ive disconnected the call due to rude behavior and she has call back threatening to take legal action on me and I cant handle it .. she calls me all day every hour on the hour. its to the point where I have to cut my ringer off.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy
Product: Credit card

Hi, Ive been a loyal customer since XXXX of Citi bank credit card and recently noticed my account was closed. Additionally, payments I made in XX/XX/XXXX are not showing on my account. Can you please help me understand why this happened and how we can resolve this? 

Thank you, XXXX XXXX
Product: Bank account or service

I processed a wire using HSBC online banking, on XXXX XXXX, 2016, in the amount of XXXX. The beneficiary of this wire was XXXX XXXX. The payment was for a flight to XXXX that was taking place on XXXX XXXX. The funds were deducted from my account, but on XXXX XXXX, XXXX informed me that they had not yet received the wire transfer. I called HSBC immediately and learned that the wire was being held due to them needing more information. I was told that I would need to reach out to my account manager, XXXX XXXX, who is based at the XXXX XXXX XXXX XXXX branch. Since this payment was urgent and I was unable to reach XXXX XXXX, I had the wire processed from another account at a different bank. This payment went through immediately. When was finally able to reach XXXX XXXX, I requested that he have the funds returned to me, as I had already made the payment from another bank. He told me that he would let the wire department know not to process the wire and to refund my account. He informed me that it could take up 3 days to receive the funds. 

After 3 days, my account had still not been credited. I reached out to XXXX XXXX, who in turn sent me an email with the branch manager, XXXX XXXX, asking me several personal questions about a flight that had already taken place. I did not understand why they would need to ask questions about a wire that I was no longer sending. I explained that I only want my money back, but after several emails back and forth, with XXXX purposely avoiding my questions, I answered the questions presented, since XXXX insisted that this would be the only way for me to get my money back. That was on XXXX XXXX. It is now XXXX XXXX, and my account has still not been credited. 

XXXX emailed me today, stating that my funds will be " blocked and reported to XXXX. '' How is it that a bank can do this? I do not want the wire to be processed, I have already taken the flight and returned. I only want my funds put back into my account. This is theft and a bank should not be able to get away with this.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance Owed : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection report of {$950.00} from XXXX XXXX XXXX on my credit reports. It shows account was opened XX/XX/2022. I was not in the states around this time due to a XXXX  XXXX, and did not make any purchases with {$950.00}, nor did I open any account to a company named XXXX XXXX XXXX. This collections report is showing on my TransUnion and XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

False information and without permissible purpose
Product: Credit reporting or other personal consumer reports

I am the victim of identity theft and XXXX, XXXX, and Experian as well as secondary credit reports are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. These credit cards and hard inqiruies need to be removed immediately! 

Credit cards to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. 

Inquiries to be deleted : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end.
Product: Mortgage

Wells Fargo Bank NA refused to allow the consolidation of a Home Equity Line of Credit ( HELOC ) obtained at the time of original home purchase. When XXXX approved our first home mortgage hardship modification, Wells Fargo also refused to consolidate our HELOC with the first home mortgage when they forced us to modify the loan later on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus asking them to verify debt on my report and according to their investigation account XXXX came back as verified. By law 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.

If you take a look at my most recent credit report, you can identify the inaccuracies on the report which is a violation of the FCRA and subject to further legal action. In the comment section it's noted the account has been disputed but reporting incorrect information.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of Trans Union ] with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which addresses civil liability for negligent failure to comply with the requirements of the Act.