23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Three years ago, I opened a 36 month CD with USAA and a 36 month loan secured by my CD. The maturity date of the CD and the loan payoff date was XXXX XXXX, XXXX Per agreement, funds from the CD would be eligible for withdrawal on XXXX XXXX, 2015, with any remaining balance on the secured loan to be paid from the CD with any remaining balance after deposited into my USAA checking account. 

On XXXX XXXX, 2015, I electronically signed into USAA to cash out the CD and pay the balance of the secured loan. Upon log-in, I discovered that USAA had already taken the loan payment from my USAA checking account, which resulted in an overdraft of appx. {$7700.00}. I then attempted to withdraw the funds from my CD to cover the overdraft, but the USAA system would not allow me to access my account. 

Naturally, I called USAA and informed representatives of the situation, and I made the following requests : 1. I asked that USAA please RETURN the {$9500.00} they had TAKEN from my checking account and applied to the loan. USAA representatives could not ( or would not ) reverse the charge. 
2. I then requested my CD funds be released and deposited into my checking account as to cover the overdrawn funds. USAA representatives could not ( or would not ) provide me access to my CD account or money in the account, although the CD had matured that day. 

Moreover, USAA representatives agreed that my account was overdrawn in error and that the loan balance should have been paid with monies from the CD against which the loan was secured, and they were BAFFLED as to why I could not access my CD or withdraw the funds, but they had no suggestions or apparent means of resolve. I was a told that the money withdrawn from my checking account was a " systems '' issue and irreversible. I was also told not to " worry '' as the " system '' would return the overdrawn funds to my checking account by XXXX XXXX XXXX, minimizing the possibility of more overdrafts. 

RESULTS:1. A negative checking account balance that could not be reversed by USAA nor covered by me, because USAA would not give back the {$10000.00} I had invested 36 months prior with the good faith understanding that I could withdraw the $ XXXX and accrued interest on the CDmaturity date of XXXX XXXX, 2015. 
2. A secure loan DUE but NOT PAID because USAA had overdrawn my checking account and blocked my attempts to withdraw the CD funds that would have covered the overdraft and paid the loan amount due. 
3. NON PAYMENT of four checks posted to my checking account that subsequently bounced, due to the overdraft CAUSED by USAA, and the REFUSAL on the part of USAA reps to reverse the overdraft that USAA made in error or give me access to the CD funds that were due to me that day. I will provide documentation with exact amounts and dates, if needed.
Product: Debt collection

On XX/XX/2020 I received a text from my sister saying she thinks she received a spam email regarding me. The email, sent by Halsted Financial Services, was a debt collection email. This email contained my full name, the amount of debt, the account number and all of my personal information. This was sent directly to my sister and was never sent to me. I asked my sister to forward me the email and upon viewing the email I believed that this was a spam email because I did not owe money to any company called Halsted Financial Services. But reading the email it appeared they are attempting to collect a debt that's owned by another debt collector. 

When addressing this with Halsted they dodged my questions on why this happened and why they are contacting me and instead tried to shake me down for money.
Product: Credit reporting or other personal consumer reports

The details of the fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX
Product: Checking or savings account

Some strange behaviors from multiple employees have been noticed from using Ally bank. ( 1 ) Check with lesser amount than the amount written on check was submitted and deposited at that lesser amount, despite the assured reviews and checks that are performed by automated systems and employees to correct the amount ( 2 ) It has failed a total of 3 possible interventions until 4th call was made. a ) automated/manual review that checks submitted amount against the value written on actual check, b ) secure messages sent from the website that Ally insists are always answered, c ) a call to inquire about the issue and put a case note, d ) a follow-up call to finalize after amount has been posted. ( 3 ) Check submitted with a higher amount than the amount written on check had its value successfully corrected, meaning the system is working. But not for earlier incident. ( 4 ) Mobile banking feature was used to try and send a large amount that was later cancelled. Other subsequent mobile banking transactions have successfully made through. ( 5 ) Weeks later, mobile banking feature was used to send a lower amount and has triggered a fraud alert. Upon calling abut the " Mobile banking lock '' and failing its security  checks, On XX/XX/XXXX, Ally went even further and suspended COMPLAINTANT 's entire account. Although it's understandable that someone could have impersonated the account holder, representatives at Ally couldn't give a clear explanation on why this wasn't triggered when a larger amount was involved. COMPLAINTANT uploaded/emailed photo ID, social security card and a utility bill per Ally 's request on this unfounded authentication check. On XXXX, Ally representatives denied to unlock the account as these documents did not have enough to support the unlock. Finally on XXXX, COMPLAINTANT had his account unlocked only using date-of-birth and social-security-number via the call with Ally representative. COMPLAINTANT is against puzzled as to why Ally did not ask those for those earlier. 
Yet do this day around XXXX, Ally is careless in handling XXXX payments in time. Ally can feel free to show that it takes days and weeks to process payments based on contacts that might have already received payments from the COMPLAINTANT in the past or were recently added. Ally has the right to process payments or retain security postures that it deems necessary, or even to refuse service to anyone ( as long as not based on gender/age/religion/nationality ), COMPLAINTANT would like to retain the right to assert that some/many/all employees of Ally have a bias against the COMPLAINTANT, thus require additional authentication that they not require onto others.
Product: Bank account or service

I opened a Citi checking account over the phone and I supplied a bonus code that made me eligible for a {$400.00} bonus if I deposit $ XXXX and left it in the account for 30 days. I deposited the $ XXXX on XXXX XXXX XXXX. So on XXXX XXXX XXXX I fulfilled the requirements for the bonus. The terms say that the bonus should post 90 days after the requirements have been completed. So I should have received the bonus 90 days after XXXX XXXX XXXX, which is XXXX XXXX XXXX. It is over a weeks since that date and the bonus has not yet posted. I have been back and forth emailing and calling them to no avail. I have an email confirming that I fulfilled the bonus and that the bonus should post by XXXX XXXX XXXX. However, even showing them this email they have to said they need to launch an 'investigation ' which will take up to 30 days. I do n't see why they need to investigate anything when I already have an email from them saying that I have fulfilled the bonus and should receive payment.
Product: Money transfer, virtual currency, or money service

I requested to borrow money from Cash App. Somehow the account the money was sent to is not mine and they have refused to assist me with contacting where they sent the money. They verbally told me over the phone to go to my local sheriffs department because they did nothing wrong. I am not saying the fraudulently sent my money somewhere. I am saying whatever account it went to is not mine and need to get this money sent back to Cash App. I did contact the bank where they supposedly sent the money. The only information they could give me was that the account that Cash App says they sent the money to does not exist. At this point no one is helping me and Cash App wants me to repay the money " borrowed ''. I never got it. Please help me locate these funds.
Product: Credit reporting or other personal consumer reports

My credit and personal information has been compromised by the EQUIFAX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

EQUIFAX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXX Communications - Would not provide act # Amount Owed {$190.00} CREDENCE Credit Resource Management Act : XXXX. ( Won't provide full acc_ {$340.00} Designed XXXX XXXX Amount Owed : {$1100.00} XXXX Credit Card Chase Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is several items on my account that doesnt belong to me and payment history is incorrect../ I have made several attempts to distribute or contact the agency and it has fallen on death ear ... I am at the point that I dont know what to do
Product: Credit card or prepaid card

I reached out to chime to file a dispute in reference to someone stealing all of my identity. I reached out to the police and Chime on XX/XX/2023 offered police incident report and 45 min later chime said they have concluded their investigation and that no error occurred. I dont have money to give away or throw away. I also emailed them and said I would like another investigation ( rebuttal ) and contacted the XXXX. Please help me
Product: Credit card

I am filing this complaint against Citibank, N.A., regarding the handling of my XXXX XXXX XXXX XXXX account. I was issued this card after applying for it, and I successfully activated it on XX/XX/year>. However when I attempted to use it that day to pay for parking at XXXX XXXX XXXX, Citibank immediately locked my card, citing suspected fraud. 

Upon calling customer service at XXXX PM XXXX XXXX to resolve the issue, I was informed that Citibank could not verify my identity. I offered multiple solutions to verify my identity, including visiting a local Citibank branch with proper identification, but I was told this was not an option. I called back at XXXX PM Central Time to attempt to resolve the issue, but I was again informed that my only option was to wait for a verification letter to be sent via mail, which would take 7-10 business days to arrive. During this time, I would not have access to my account and would be unable to use the credit card that was issued to me. 

I find this process to be highly unreasonable and an unnecessary hardship. The inability to verify my identity through alternative means, such as in-person verification, digital verification, or providing official identification over a secure channel, effectively locks me out of my account without due process. This not only disrupts my financial activities but also raises concerns about Citibanks customer service and accessibility policies.

I believe this practice is unfair and restrictive, potentially violating consumer protection laws. I am requesting the CFPB to investigate Citibanks verification and fraud prevention policies, particularly regarding : The inability to verify identity through reasonable, alternative means beyond a mailed letter. 
The excessive delay in regaining access to an account without clear justification. 
The lack of immediate and accessible customer service solutions for account holders who are locked out of their accounts. 

I respectfully ask for CFPBs assistance in ensuring that Citibank provides fair and transparent access to their accounts, including improved identity verification options that do not unreasonably delay or restrict access. 

I appreciate your time and attention to this matter. Please let me know if additional information is required.
Product: Credit reporting or other personal consumer reports

Your response was addressed as VERIFICATION. I did not ask for VERIFICATION, but VALIDATION. VALIDATION is forwarding copies of actual proof of the alleged debt & alleged debt from the ORIGINAL creditor, not who you purchased the debt from. VERIFICATION is being willing to testify under oath that you have the documents on hand from the original creditor. The printed statement attached is not VALIDATION-this is not a contract between me & INSERT COLLECTION AGENCY NAME whom I have never had any contact with nor received any information from them until you mentioned them in your letter. For the second time, I've asked where is the contract that shows you've been given the right to collect on the alleged debt from the ORIGINAL creditor.

Since you are 3rd party, they have no rights to collect anything from the alleged debtor since there is no way you can prove you were on any original contract. Familiarize yourself with 73 Am Jur, 2nd, Section 90. You have no right to " subrogate '' ( substitute ) yourself into a contract, whether it is by purchase, assignment, transfer, or trade. If you " bought '' the debt, you did it on your own behalf, not at the request of any alleged debtor, and therefore are a " stranger to the transaction '' ( voluntary payee ).
Product: Credit reporting or other personal consumer reports

After reviewing a copy of my personal credit report, I have come across a few inconsistencies. I understand that mistakes may happen, but these types of mistakes are severely damaging to my chances of owning a home. I have researched the dispute process and I am aware that you must complete your investigation within a thirty-day time frame. 
Below are the errors I have identified : XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$3300.00} on the XXXX partial account number XXXX, as well as reporting incorrectly a collection/chargeoff of {$730.00} partial account number XXXX. ( Please see pages attached from my credit report. ) In addition, the bureaus have changed the opening date on these accounts to XX/XX/2020, and they have also changed the account numbers. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I request that these line items be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are being reported on my credit report and I would like them removed I have disputed these accounts previously they are against the consumer laws reporting inaccurate information to my credit report The Fair Credit Reporting Act ( FCRA ) protects consumers from fraudulent accounts on their credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting a follow-up CFPB Complaint to request the removal and deletion of the fraudulent accounts and information from my Credit File in accordance with the Fair Credit Reporting Act section 605b. On XX/XX/XXXX, I sent a dispute letter along with my personal identifying documents and the FTC report that I received for reporting the fraudulent activities that I found on my Credit File. Through my research, I discovered that I can request an investigation into my Credit File under the protection of the Fair Credit Reporting Act section 605b and request that the Credit Reporting Agencies remove any accounts and information that resulted from the fraudulent activity. Therefore, I request that the Credit Bureaus remove the disputed items from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX KANSAS XXXX, MO XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. In the event that the Credit Bureaus find any documents that may support the claims that the disputed items belong to me, I request that they send me copies. However, if the Credit Bureaus do not find any such documents, I expect immediate deletion of the disputed items from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts on my report that are invalid and are not mine
Product: Credit card

I financed some furniture through Synchrony bank/XXXXy in 2015 XXXX I paid off the debt right away and never used the card they sent. Now 8 years later I get sent a new card. I call to cancel the card and they tell me the account doesn't exist. After speaking to multiple managers the only information I have gathered is : Accounts are automatically closed after 3 years and out of the system after 7.

This new card has no expiration date, I was told that their cards don't expire. If Cards don't expire why was I issued a new one? 
There is now no record of the old account and they don't know where the new one came from. 
They can't send me anything confirming that I have no open accounts and owe no money. They also can not make outbound calls so I have to sit here the entire morning on hold. 

By their own terms they must have closed my account after 3 years, which means this new card was opened without my permission. 

They don't think this happened, but can't confirm it and can not say with certainty exactly what happened or where this card came from, but want me to just trust that everything is okay. 

XXXX XXXX ( XXXX XXXX XXXX ) they will only send me something stating that I owe no money and have no open accounts if they can open a complaint that would affect my credit report.
Product: Mortgage

XXXX XXXX was denied a modification on his home equity line of credit because Chase stated the loan is at an affordable payment. They have not offered any other alternative other than a short sale. XXXX XXXX has been paying his XXXX mortgage on time which also is with Chase. There are IRS liens on the property. XXXX XXXX is on a payment plan with the IRS. The house is underwater. XXXX XXXX was simply asking to capitalize the arrearages. This is an interest only line of credit currently. XXXX XXXX is in residential construction and had suffered through the recession which affected the housing industry since XX/XX/XXXX The past year in XX/XX/XXXX was the XXXX year which was profitable
Product: Checking or savings account

Good afternoon, Someone took money from my Wells Fargo checking account using two ATM machines. I filed a dispute and received a new debit card ( Claim # XXXX XXXX I assumed that, since Wells Fargo was sending me a new card they acknowledged there was a fraud, otherwise there would not be a reason to think the old card was not good to use. 

I called the bank on XX/XX/2020 and some specialist called XXXX answered with an arrogant and rude attitude. He kept raising his voice and interrupting me and told me that I was the one using the card to retrieve the money, practically calling me a liar and a thief. Since I insisted, he then kept me on hold for 30 minutes, just to come back to tell me what he and the previous guy I spoke to, had told me before : that the dispute was denied ( I have a screenshot of the phone call waiting time ) I also asked him to check the cameras to verify it was not me the one retrieving the money but he did not do that and instead he kept telling me that I was the one taking the money because I was the only one who had the ATM card. 

I've been a client of Wells Fargo for more than 20 years, I have a checking, a savings accounts and my business account was being processed but now I just want to close all my accounts and have Wells Fargo giving me back my money. 

Thank you for your attention, I really hope you can help me with this uncomfortable situation. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I've had a debt collector by the name of RMP SERVICES, LLC ( Receivables Management Partners , LLC ) that received my medical bill from XXXX XXXX XXXX XXXX without my consent. This includes my social security number, date of birth, and address, which is private information that I did not consent to giving. I did not consent to XXXX XXXX XXXX to share my information ( social security number, phone number, address, and date of birth ) with the debt collection agency RMP SERVICES, LLC. This is a HIPAA violation, specifically unauthorized disclosure of Protected Health Information ( PHI ). I was also harassed numerous amount of times with phone calls from this debt collector agency. This is in direct violation of the FDCPA which states that debt collectors are prohibited from using abusive language, threats or harassment. I paid them a total of {$100.00} with XXXX payments of {$25.00} on the dates of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was even told after finally responding to the harassment of calls that I would have to pay {$150.00} at first. I told them I couldn't possibly do that and {$25.00} would be the best I could do. Now they have sent this medical debt to another company under the legal name XXXX XXXX XXXX.