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

Please see previous complaint # XXXX DiscoverBank. In addition to that complaint, multiples entries on my DiscoverBank checking account # XXXX  monthly statements. Entries are as ACH when, in fact, a check was issued from my checking account with DiscoverBank, also referencing XXXX XXXX, where I have closed any accounts in my name and my name only in XX/XX/2017. Anything referencing XXXX XXXX, in my opinion, on any of my accounts, these accounts will be closed. With their XXXX  XXXX class action case it seems these other banks, Discover, XXXX, might be heading in the same direction. In addition, I can not print or view these ACH entries, not acceptable. I keep a very detailed record of everything and not being able to print these so called cleared checks is not acceptable. I also know this is being done deliberately. It is very obvious to me when banks and businesses try to XXXX the customer as indicated above, it stinks of something illegal. When I was always able to print my checks and now some are being entered as ACH from XXXX XXXX, it certainly indicates something questionable is going on. As mentioned in previous complaint DiscoverBank, now I can not even contact this XXXX XXXX, Associate, Executive Advocacy, DiscoverBank, if she is not a fraud, with questions regarding my accounts with DiscoverBank. The scenario continues to grow and get worse.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I've reached out to the bureaus around XXXX or XXXX about this issue. Please help me delete the following fraudulent accounts and inquiries from my credit reports. 

Please delete the fraudulent accounts. These are not mine. I have attached in this complaint my FTC reports. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I disputed account information with this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX citing incorrect information being reported. The account showed as Charged Off on two of my reports and continued to report as late ( XXXX and Equifax ). The vehicle was repossessed on XX/XX/XXXXXXXX  and sold at auction on XXXX at this time I never received a Notice of Sale nor a Notice of Deficiency Balance. I asked XXXX and Equifax to investigate and the action took more than 30 days and a proper investigation was not completed. My XXXX  complaint was answered in the proper timeframe but at that time the creditor illegally re-aged my date of last activity AND did a hard pull that resulted in an inquiry. As of XX/XX/XXXX, my Equifax report shows the date of last activity to be XX/XX/XXXXXXXX  and my XXXX report shows the date of last activity to be XX/XX/XXXXXXXX  although they continue to mark my account as late on my XXXXXXXX XXXX XXXX XXXX Comments are listed as Repossession, however, on Equifax the payment history for the last 2 years ( XXXX XXXX XXXX XXXX is listed as XXXX XXXXXXXX XXXX services failed to accurately report information across the credit bureaus and the bureaus failed to properly investigate the same. Further, following the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 
Unfortunately, my files are too big to attach here, however, I have attached a few screenshots of relevant information and am happy to provide more details in another venue.
Product: Debt collection

These companies constantly have been calling when I do not have the fund to pay at this present time. Which I am going thru a bankruptcy and everything is taken time. But these companies keep calling threating me regarding making payments.
Product: Credit reporting or other personal consumer reports

This is my last and final correspondence to your non-compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of accounts that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the accounts XXXX question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? As I stated, I have already given your company quite enough time to investigate the items in question, but I am willing to give you XXXX more chance. I have attached an invoice for violations. Please remit payment to address on invoice. Please investigate and remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

Thursday XX/XX/2024 XXXXXXXX XXXX $ XXXXdeclined/. Amount available to spend : {$77.00} The reason for the decline : for my protection. 
Action taken by me : requested the purchase be approved multiple times. 

Me : Hi I'm getting declined Me : Unusual activity Me : Remove the hold XXXX  : Hi XXXX, okay. You can dispute the purchase from this link. 

XXXX : Dispute a purchase XXXX  : Tap to get started Me : No dispute Me : Remove the hold XXXX  : If you haven't already, starting a dispute for this purchase is the best and fastest way to get it reviewed XXXX  : Dispute a purchase Tap to get started Please note, if the purchase is still pending, you can only dispute it once the purchase has settled. 

Me : I'm not disputing Me : Remove the hold XXXX : I'll get you to someone who can help. It may take a few minutes, but you don't have to wait. We'll notify you when they reply. 

Me : Hey XXXX I don't have a minute I'm at the register XXXX leaves- -Advocate enters- Advocate : Hello XXXX! XXXX here! I would be more than willing to look into this, give me a few minutes while I review your account. 

Me : Thank you -10 minutes passes- Me : XXXX !? 

Advocate : I'm still checking your case. I really appreciate your patience, allow me a few more minutes. 

Me : I didn't have a problem with my account yesterday Advocate : I understand you're upset and I do want to help you with getting this taken care of. Our team has a zero tolerance policy when it comes to abusive language. If you continue using this language I won't be able to continue assisting you. 

Me : it was the chat bot Me : You just hurry up Me : Hello Advocate : I believe this is going to take a few more minutes than expected. Thank you for your patience while we are working on this. 

Me : XXXX this is absurd Me : What unusual activity is your buisiness? 

Me : Not any more Advocate : I'll reach out directly to our specialty team so they can help you with this. What's a good email address to reach you at? 

Me : Don't have time for this I'm going to try one more time then your fired Advocate : Give me a moment while I check on this, please. 

Me : You see how your employees bait me to swear!? 

Me : I'm not amused at all
Product: Mortgage

I got divorce on XXXX, I am in the military and Chase had denied numerous times for me to sell the house. I being thru the Short Sale process since XX/XX/XXXX and chase has denied the sell every single time. In one occasion their explanation was that they will not work my realtor ( after being working with her for 1 yr ). Today, XXXX XXXX they stated that it was deny because missing paperwork. I had provided everything that they had asked for.
Product: Checking or savings account

To whom it may concern, I have tried to close my account with US Bank for a week now. The US bank customer service representative said all pending transactions needed to be cleared before I closed my account. So, the representative deleted my debit card associated with the account on Wednesday XX/XX/22. On Friday XX/XX/22 I spoke with a different representative who said I could now close my account. I sent their email address a handwritten letter and included a ticket number which is XXXX. I included all of the information that was asked of me and requested by US Bank. On Wednesday XX/XX/22, I received a notification from US Bank that my balance was negative in the account I requested to close. To my surprise the account was not closed. I called the US bank customer service line and to my surprise they are now saying I need a notarized letter. I did not receive any communications from US bank between XX/XX/22 and XX/XX/22 notifying me that I needed a notarized letter. US bank did not communicate this requirement to me on XX/XX/22 over the phone. I feel as though US bank is not allowing me to close my account. Additionally they charged me a {$4.00} analysis account fee on XX/XX/22 which I did not consent to nor was I notified that I would have to pay this fee to close my account.
Product: Credit card or prepaid card

In XX/XX/XXXX I did not get a bill from Commerce bank and they put a negative remark on my credit history as missed payment. I have been making payment to them and even told their representative about not getting the bill but they did not pay attention to it and they even closed my account. I have paid the balance down since XX/XX/XXXX from XXXX to XXXX as of now. After they closed my account and put a derogatory remark on my credit report i have been denied credit by other credit card company to even increase my credit line so that i can start a new business. I am going through a hard time as a result of this action of Commerce bank without my knowledge and inspite of them putting my wrong SSN in their system which again gives me hard time to get to right person in timely manner through their automated system. 
I need this negative remarked moved from my credit history and this credit card reopened. I am willing to pay it off in next 60 days. Please help me I have a family to feed and I have been a very responsible person to pay down the credit card and this is really irresponsive of Commerce bank to do this to me without even notifying me and giving me enough time to fix the problem even though the problem did not happen because of my actions.
Product: Mortgage

I have an existing complaint in progress. The company tried to call me and when I called their main line their is no option to speak to anyone. XXXX requesting correspondence via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 29 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit card or prepaid card

I have a credit card with Bank of America. I paid off the card and then started getting charges for XXXX XXXX XXXX XXXX XXXX college. I called to report four fraudulent charges on my card between XX/XX/XXXX and XX/XX/XXXX. The claims person took the information and repeated it back to me correctly and then promptly cancelled the card.. I was out of the country at the time and this card was locked away. I looked at my account again on XX/XX/XXXX and noticed 2 of the four charges were not addressed and another, new fraudulent charge was made on XX/XX/. I decided it best to call when i was back in the states. When I got home today, XX/XX/XXXX, I received my new card and at XXXX XXXX I called customer service to report that they neglected to address two charges as part of my original claim and that I had a new fraudulent charge after the card was canceled. Customer Service told me to call claims at XXXX. I called claims and waited XXXX minutes. The rep in claims told me I had to call fraud because if she added these charges to the claim, she would have to cancel my new card. She said, I should reference my claim XXXX. XXXX. Oddly, she gave me the same phone number I used to reach her ( XXXX ). I called Fraud and waited an hour to speak with a Fraud rep. The Fraud rep told me i had to call claims because the fraudulent charges are part of an existing claim. I explained that I just called Claims and was referred to Fraud. The rep then put me on hold for another hour and was sent back to Claims. The the claims rep again refused to help stating I needed to call back the Fraud department tomorrow ( at the same number i called for both Claims and Fraud ) and speak to someone in Fraud. At this point id been on the phone betw. these two departments for 3 hours and neither would help investigate and/or remove the fraudulent charges. I wanted to cancel the card at this point and was told that if I did, I would be responsible for paying all fraudulent charges in full. No one in Bank of Americas customer service, customer claims or fraud departments could help me. I was told to call back at the same number yet again. I can not afford to take hours off of work to find someone at the bank to resolve the fraudulent charges. All other banks have customer service that helps resolve in one call. No one at Bank of America will help. i disputed the charges online and the system told me to contact customer service. I am at a loss and very frustrated.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : # XXXX XXXX, ( XXXX ) Account name : # XXXX XXXX ( XXXX ) ( XXXX ) Account name : # XXXX XXXX ( XXXX ) XXXX XXXX XXXX Account name # XXXX  ( XXXX XXXX XXXX ( XXXX ) Account name : # XXXX  XXXX ( XXXX ) ( XXXX ) ( XXXX ) Account name : # XXXX XXXX  ( XXXX ) Account name # XXXX XXXX XXXX ( XXXX ) Account name # XXXX XXXX XXXX ( XXXX ), has violated my rights. I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

XX/XX/XXXX i purchase Make Money program i thought it was great deal.Transaction went through both Paypal/Clickbank my instution DECLINE Transaction # {$17.00} and last 4-digits # XXXX and Transaction # XXXX was {$4.00} + {$0.00} tax = {$5.00} last 4-digits # XXXX But XXXX XXXX he set me up in XXXX XXXX  Ceo XXXX XXXX XXXX gave me Link for XXXX .So since XXXX XXXX Decline i went to XXXX purchase gift Card for {$50.00} went back in purchase Transaction # XXXX {$29.00} + Tax {$2.00} = {$32.00} from Visa last 4-digits # XXXX and Cash Juice link i Paid Upgrade for many different items was Bundle Deal XXXX {$4.00} + {$0.00} tax = {$5.00} and XXXX XXXX Suppose gave me XXXX Free Points i only got XXXX. i only used on XX/XX/XXXX between 8900- 9100, and Next Day they was completly all gone .Tried contacting XXXX XXXX No Luck , XXXX Ad Bar owner XXXX XXXX No infomation.They gave me Link for my website : XXXX_MakeXXXX but as i research it goes to redirect link opens different window.That same Day XXXX ran Decline payment from XX/XX/XXXX for XX/XX/XXXX {$4.00} Unauthoriza went through XXXX. and XXXX on XX/XX/XXXX {$5.00} Unauthorize went out of our account XX/XX/XXXX Then XXXX put {$5.00} back in out account, But on XX/XX/XXXX XXXX Unauthorize took {$5.00} out. Unauthorize.Paypal refuse me again to OPEN up Dispute i try today and yesterday they suppose to protect me but dont there thefts too.XXXX had No reason to debit my account, and my Credit card infomation supposed Not be on file.I never agreed for the to keeep on file only paypal.Transaction unauthorize..I want Refund for fraudulent transaction fees and i still keep my cashjuice account open, But XXXX XXXX said i make {$1000.00}. aweek not made anything .So i made couple day ago ftc.org complaint on everyone.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan was taken out in XXXX the car was a lemon and the loan repoed in XXXX and i have paid the reaming balance off but they will not update my credit report
Product: Debt collection

Company has left multiple VM identifying themselves as debt collectors looking for my wife.
Product: Checking or savings account

XXXX XXXX bill pay software is flawed. I have only had this account two months and have gotten charged excessive overdraft fees four times because of their flawed online bill pay software. I was charged overdraft fees of {$33.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. The software does not accurately display outstanding unpaid bill pay payments. The amount of available funds should only reflect what is actually available taking into account bill pay payments that have been added, regardless if they have been cashed or not. I have used other bank bill pay software and have never had this issue. Their bill pay system is set up so customers will not see the correct available funds and then process a bill payment which ends of activating another overdraft fee. Their bill pay software is not intuitive when it comes to outstanding payments that have been done.
Product: Debt collection

XX/XX/2021 I disputed an account that doesnt belong to me, no written information received that this debt belonged to me. XXXX XXXX XXXX in the amount of {$480.00} XXXX Ross is an unknown account to me, I did not open this account in XXXX therefore this account doesnt belong to me. The dispute came back XX/XX/2021 stating that account was verified. Account was nit verified and information was not sent pertaining to this account.
Product: Checking or savings account

So i opened this account in the fall BMO banking, didnt have any issues until XX/XX/2021 i received a promo incentive from bmo apparently it was for opening an account with them, ( XX/XX/XXXX had been sent with XXXX to my other account ( XXXX  XXXX XXXX on XX/XX/XXXX however when the money had already been used, a transaction from for reversal promo was made an it brought my account to negative {$200.00}. The promo I received was {$200.00} After receiving that i was then charge an overdraft fee every business day since start XXXX XXXX XX/XX/XXXX Which then they proceeded to close the account Account was closed apparently an sent to collection to XXXX  on XX/XX/XXXX th I then received a deposit of XXXX with unknown deposit date as am not allowed to look at that since my checking was close but am able to look at my balance also spoke to someone XX/XX/XXXX from BMO customer service number called XXXX XXXX ( XXXX ) XXXX XXXX & they told me they see the deposit but i can not access it because checking is closed & why am i being denied my money even doe they close this account any money received is being held. They are not allowed to give me my money but accept transactions. When its there money i get charged an OVERDRAFT fee everyday which i will have to end up paying, but they are currently holding XXXX an more money incoming the following month. Can i get some help or a better understanding thanks for your time.