23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to request of the information contained in my credit in accordance with 15 U.S. Code & 1681i- Procedure in case of disputed accuracy, and 15 U.S. Code & 1681e ( b ) - compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 

Bellow are the accounts I am requesting to be reinvestigated : Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and credit cards as well as car loans from the following creditors ; XXXX XXXX XXXX  XXXX {$1200.00} XX/XX/XXXX, XXXX XXXX {$2500.00} XX/XX/XXXX, XXXX XX/XX/XXXX {$7900.00} & {$8100.00}, XXXX {$110.00} XXXX, XXXX XXXX {$120.00} XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2022, I noted a charge on my XXXX personal account in the amount of {$0.00} and I challenged it with XXXX and demanded a complete accounting as to how " XXXX XXXX XXXX XXXXXXXX '' got there. In my mind I see this XXXX cent charge as an entry method to pave the way to take money off my account from that unknown source apparently coming from XXXX. All Citi did in response was remove it from my history and state it was resolved I fortunately printed a copy of that charge before they removed it. Smells like old mackeral sitting the sun ... ... ... .....
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING INQUIRIES ATTACHED. REMOVE THEM IMMDIATELY. 

THERE ARE ALSO ADDRESS LISTED THAT ARE NOT CONNECTED T ME AND INCORRECT DOB LISTED ON XXXX WITH XX/XX/1983. 

THE ACCT LISTED BELOW IS NOT MINE : XXXX ACCT # XXXX i HAVE FILED FTC REPORT AND DISPUTED THESE ACCOUNTS NUMEROUS TIMES I HAVE NEVER RECIEVED PROOF OR VALIDATION THEY BELONG TO ME.
Product: Prepaid card

I purchased a XXXX  Gift Card for {$500.00} at XXXX XXXX on XX/XX/year>. An XXXX XXXX Bell Bank tried to Register the XXXX  Gift Card for Purchases on XXXX XXXX XXXX XXXX said they dont accept Gift Cards anymore only Debt XXXX or XXXX Cards or Credit Cards only. I asked for my {$500.00} back right away from Bell Bank XXXX XXXX XXXX, Minnesota & they refused to give me my {$500.00} Money Back right away. I buy everything online with XXXX XXXX. I need the Money back right away for my XXXX XXXX XXXX for XXXX also I buy from XXXX on line Platform. We called the Company of the Gift Card which is ( XXXX ) ( XXXX ). 
They said it will take at least 2 months to get me the Funds Back. Im XXXX legelly XXXX & XXXX. I need to Eat & so does my Dog. I has to go to XXXX because of XXXX Banks not doing anything. I got the Forms to file a Complaint in XXXX XXXX XXXX also. I need help now!!
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and North Carolina Laws Dear SANTANDER CONSUMER USA, I am reaching out to address a serious issue regarding the unauthorized reporting of information to my credit report, as protected by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and North Carolina Identity Theft Protection Act, particularly Chapter 75A of the North Carolina General Statutes.

It has come to my attention that SANTANDER CONSUMER USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that consumer consent is a necessary requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

Additionally, North Carolina state law, specifically Chapter 75A of the North Carolina General Statutes, reinforces the requirement for consumer consent for credit reporting. This legislation aims to safeguard individuals from identity theft and the unauthorized use of personal information.

I assert with certainty that I have not provided consent for SANTANDER CONSUMER USA to report any information to my credit report. This lack of explicit permission constitutes a violation of my rights and could potentially damage my creditworthiness, in clear defiance of federal and state laws.

I demand that SANTANDER CONSUMER USA immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Chapter 75A of the North Carolina General Statutes. Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including North Carolina identity theft protection laws.

Obtaining consent is not optional but a legal obligation under these specific sections of the FCRA and North Carolina state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I expect immediate attention to this matter and urge SANTANDER CONSUMER USA to rectify these violations promptly, respecting my rights under federal and state laws.

Done in good faith.
Product: Checking or savings account

I closed one Citi account on XX/XX/23 due the death of my spouse, opened a new one at Citi in my own name by transferring funds on the same day, and then making a large deposit by check with new funds. Because of the size of the new deposit, my account was flagged for fraud. Citi made no attempt to reach out to me to alert me that my account was being frozen. The record of my new account disappeared from the app/online banking when I went to view it a day later, although I can still see my closed account. This should not be allowed. There should still be visibility into an account with a check pending. 

I have been in touch with Citi customer service on XX/XX/23 and they say there is nothing they can do to unfreeze my assets until the large check clears. That requires reaching out to the person who wrote the check to me. They should be able to segregate these issues and take the time they need to clear my large check without unfreezing my other assets. I have bills to pay, I am left with only {$11.00} in cash, and no clear timeline for settling this issue. I have a 20-year relationship with the bank, direct deposit with an excellent employer, and they still do this to me.
Product: Checking or savings account

I received a promotion to open a checking account at BMO bank ( Exhibit XXXX ). To receive {$600.00}, the terms stated : XXXX. On XXXX XXXX after account opening, your Average Collected Balance over the 120 days must be at least {$10000.00}. 
XXXX. Have at least ten ( 10 ) electronic transactions post to the account within 120 days of account opening.

I did not understand the meaning of Average Collected Balance and the *branch manager at the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX explained that it simply means money deposited and not later returned. XXXX XXXX confirmed that I may deposit a check and that the first day of the 120 days would be on the day that the check is deposited. 

I opened the account on XX/XX/XXXX at the XXXX XXXX XXXXXXXX and XXXX XXXX again confirmed that the check deposit would be day one of the 120 days period. I deposited a check for {$10000.00} at account opening. 

There was an issue with a charge on the account that was corrected on XX/XX/XXXX and XXXX XXXX confirmed that the average collected balance would be above the required {$10000.00} [ for the {$600.00} bonus ] if the current balance was held until the end of the 120 days ( Exhibit XXXX ). 

My statements ( Exhibit XXXX ) show the {$10000.00} deposit on XX/XX/XXXX, eleven electronic transactions ( XXXX ) and an average balance above {$10000.00} until XX/XX/XXXX ( 123 days ). However, the bonus payout on XX/XX/XXXX was only {$400.00} instead of the expected {$600.00}. 

XXXX XXXX investigated the issue of the reduced payout and found out that he himself had received incorrect information from the bank, and that the information that he had provided in turn was incorrect. Apparently, BMO did not start the 120 days clock on the day that the check was deposited but at some later date. I assume when BMO lifted the check hold? This is not even shown on the statement! The calculated average balance was therefore somewhere between $ XXXX {$10000.00} and this only qualified for the {$400.00} bonus ( See Exhibit XXXX ). 

XXXX XXXX was very sorry for the incorrect information he had provided, and he and his manager requested that I receive the missing {$200.00} for the full {$600.00} bonus ( Exhibit XXXX ). 

Unfortunately, the bank refused to pay the {$200.00} despite the incorrect information that I had received ( Exhibit XXXX ).
Product: Mortgage

My mortgage is with Huntington Bank. It is due monthly on the 1st in the amount of {$640.00}. I was late paying my mortgage this month, due XX/XX/2020and logged on to my account to pay the mortgage payment XX/XX/. I could view my account, and my banking account is also with Huntington and completely accessible, but was locked out of making my mortgage payment on their online website. Grace period for my loan is the 16th of the month, but this occurence is still one day less than the 30 days for it to be referred to the credit bureaus as delinquent. I acknowledge that I was late, understand a late fee ... but what I don't understand is why you are locked out of the website when you are trying to bring your account current? I have the conversation recorded with Huntington and they said that they now can lock you out of your account on the 16th day, and they can do so " without notice ''. Is Huntington purposely trying to promote foreclosures or promote ruining one 's credit score when a person is attempting to pay their bill ... especially in economically trying times like COVID?
Product: Credit card or prepaid card

I pay the card on time every month I thought I set up payment on line but didnt I paid payment 2 days later. I requested late charge be waived they wouldnt waive due to my grandma couldnt talk Bc in hospital due for XXXX. I didnt want to upset her while in hospital. I make all payments advised them to look at payments being made. Im authorized on the account also I help my grandma with her bills. Also I spoke to manager XXXX ( XXXX ) she told me her manager couldnt call me and no other manager could call or resolve issue. I told her to put in complaint and she said they will just note account and no one will call back to resolve or write back to resolve the issue. She offered to give a XXXX credit but then came back and couldnt do it Bc it wasnt my grandma also.
Product: Bank account or service

This pertains to file # XXXX where I have proof that BB & T is lying. On my original complain I stated to BB & T had debited out {$100.00} premature from my account. All this started back on XXXX/XXXX/2015. Where i have made a cash deposit if {$100.00} bringing my balance to {$95.00}. Then on XXXX/XXXX/2015 there was a charge of {$28.00}. And here is where the problems starts. BB & T charges me {$36.00} OVER DRAFTED FEE on XXXX/XXXX/2015. The reason is that BB & T has stated that on XXXX/XXXX/2015 there was a withdrawal of {$100.00} Plus {$3.00} fee for using another banks ATM. The problem here is that it was not on XXXX/XXXX/2015 that the Withdraw occurred but on XXXX/XXXX/2015. I have the Bank Statement for BB & T which I printed off their web site. And what BB & T sent to me. As you can see, from the Bank Statement I am providing it shows where the Withdraw of {$100.00} occurred on XXXX/XXXX/2015. But BB & T takes the {$100.00} on XXXX/XXXX/2015 making my account go NEGATIVE. Furthermore, on XXXX/XXXX/2015 I make yet another deposit of {$100.00} again in cash. But because BB & T took out the {$100.00} on the XXXX/XXXX/2015 it has caused nothing but OVER DRAFT FEES which have total now to a {$260.00} ... And BB & T does not want to remove the fees when I have PROOF directly from their website. 

I have attached Both The Bank Statement that BB & T provides their customers and the So call Bank Statement they provided me with their entire letter providing nothing but misleading information plus inaccurate transactions from the bank to cover its shine! 
But as the saying goes : A picture is worth a thousand words! You be the judge of the proof yourself. And again BB & T states the {$100.00} was for XXXX/XXXX/2015 when it clearly states it on the personal bank statement from the bank on line the transaction took place on XXXX/XXXX/2015.
Product: Credit reporting or other personal consumer reports

After recently checking my credit report, I believe that I've been a victim of identity theft and found numerous accounts and credit inquiries of which I have no knowledge of. I have attached an FTC Report. I conrm that these accounts and inquiries were made without my authorization. I request that the following accounts and inquiries be removed from my credit report immediately : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Todays date : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I submitted a credit dispute to Equifax due to a negative line of credit from XXXX XXXX in the amount of {$11000.00} due to an auto repo. I exercised my right under the FCRA rule 611 ( a ) ( 6 ) ( Biii ) which states that a consumer may request " a description of the procedure used to determine the accuracy and completeness of the information shell be provided to the consumer by the credit reporting agency. 
On XX/XX/XXXX, i received in the mail a generic computer generated response stating that the account had been verified as accurate. 
To make matters worse, the same account appeared double on my credit credit file. first account # XXXXand second account # XXXX with the last two digits of the original account number missing. Which unfairly brought my credit score down even further. 
The credit reporting agency mandates that a debt collector must delete their reported collection if account has been tampered with.
Product: Student loan

I am owed a refund of {$670.00} from Mohala. They sent me an email on XX/XX/XXXX stating I was eligible for this refund because they did not give me enough notification before student loan repayments restarted in XX/XX/XXXX. I am eligible for a refund for payments I made in XXXX, XXXX, and XX/XX/XXXX. It has now been five months and I have not received this refund. I submitted a previous, CFPB complaint response was that they would look into seeing whether I was eligible for this refund. That is an unsatisfactory response considering they were the one who emailed me and told me I was eligible for this refund in XX/XX/XXXX. I want my money back. This is criminal.
Product: Debt collection

XXXX XXXX XXXX XXXX uses intimidation tactics, many phone calls and letters to attempt to collect from XXXXXXXX XXXX XXXX -which is not related to XXXX XXXX , even if I have repeatedly written to them informing them that I am not the person they are looking for and not even had ever any accounts with that " bank '' in Nevada . I am a current account holder with XXXXXXXX XXXX  XXXX, in good status and never had any contact with any collection agency representing my banking institution. They are either " phishing '' to see if any innocent bystander answers, or re-dating debts that are not even mine. Not even my name is correctly stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$96.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

On XX/XX/2018 we were notified by BoA that our mortgage has been sold to XXXX mortgage and that we were responsible for our payments to BoA until XX/XX/XXXX, at which point from XX/XX/XXXX - XXXX would be responsible for our loan. 

We were unable to make payment through the website previously utilized for BoA mortgage payments, and as of today, XX/XX/2018, are officially being 'handled by XXXX Mortgage '. 

Some reviews and reading about this company and transitions for other BoA customers to their company and care made me very concerned. We have, to date, not been notified or informed by XXXX regarding account information, payment method, or any other relevant account related information. Efforts today to call them directly resulted in being informed that our accounts had not completely transferred over and were unavailable. We were then informed we do not have an account number yet and were told we were not going to be charged a late fee because we were in a grace period, but no details for the grace period were available and no definitive information or record could be provided to verify this. 

More importantly, various sites offer accounts of customers being mishandled and misdirected to the expense of their mortgage loan status and credit score/health - and without being provided ANY documentation, verification, or communication at all by this company - I am incredibly concerned. 

This whole initial experience and lack of information has us at a disadvantage that seems to wreak of unlawful behavior and complete lack of necessary procedure. Their customer service is unwilling to provide us any additional lines of communication and information and BoA is being even more unhelpful. I'm frustrated that they have created this incident and necessitated this difficult transition but have no responsibility or help to provide. 

Please help.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened an account with XXXX, account number XXXX, in response to a promotion at the store. The clerk at the store used an old address ( off my driver 's license ) to open the account instead of the correct address I wrote in handwriting on the application. When I called to close the account ( because I never received an actual card ), I was told that the statement was sent to the old address in XXXX and that they would send me a statement for the account balance of {$23.00} to my new address. The account was closed on XX/XX/XXXX, and I sent a check for {$23.00} for the account balance on XX/XX/XXXX. XXXX then sent me a new account statement for {$24.00} in late fees for a {$23.00} balance even though any late fee was attributable to their own mistake in issuing a card to an old address. They continue to mount late fees of 100 % interest each month. Please help. XXXX XXXX