23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/21 I was at XXXX XXXX in NY. I tried to use my Netspend card at the ATM. It declined my card and would not dispense any money. On XX/XX/XXXX I called Netspend and they said that my account was frozen because there was suspected fraud activity. I told them that the company that directly deposited my money had called them to verify if the account was still active. I asked why hadn't they contacted me before the denied access. I was told it was their policy to freeze an account if they suspected fraud. So I told them to close the account and send the check to my address. To this day I haven't received my money and I keep getting the runaround about my check. They're saying they sent it to my old address. I have informed delivery so I know that the check was never sent. It's been months and now they're telling me I had to wait 48 hrs to see where the check is at. I called back on 2 days later and then was told I have to wait 10 days for them to do an investigation. This is ridiculous and I want my money back. This company has been nothing but a nightmare since I've had it.
Product: Checking or savings account

Comerica Bank caused my inability to transfer, send, receive or make payments on my mortgage account and several other bills and services due to the frequent malfunctions of their mobile banking and web banking services. Comerica Bank, subsequently closed my checking account and ( 2 ) years later reported the account closure for account abuse, to Check Systems. Immediately I requested Comerica Bank rectify the issue, instead I received overdraft notices and related fees from Comerica. I also received fees and associated fees and issues from my creditors and mortgage company. At the time I was physically in recovery from XXXX XXXX and relied on the services Comerica provided such as web banking and their mobile banking app due to my physical limitations. Which at the time was suggested by Comerica Bank when you called or went into any of their local branch locations. On multiple occasions the mobile banking system and mobile banking app was down malfunctioning without warning or explanation sometimes hours sometimes days, this caused my inability to move money between accounts or send and receive money processing problems. Which resulted in late or delayed mortgage payments and other bill payment issues and related fees. Comerica charged me overdraft fees and various other issues snowballed due to Comericas failure to deliver on services they offered to provide which I had come to rely upon. I was forced to mail my Mortgage put me on a payment probation, requiring me to certify mail payments in as a result of this issue because of the automated payment process failures through Comerica Bank which stressed my recovery. After all of that Comerica Bank closed my checking account, after I requested the error to be resolved and the fees reimbursed to my account. I paid the balances Comerica Bank claimed I owed to prevent further damage before they closed my account despite knowing that the issue was Comericas fault. Now most recently I received a notice of account abuse from Check Systems when I tried to open a Credit Union account and realized that Comerica is still causing me hardships financially and reputation issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX XXXX and Experian with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit report that does not belong to me and/or is inaccurate information : Please assist me in getting these items removed : Fraud Reporting Information : XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX - That is reporting incorrectly. I have contacted XXXX XXXX   because XXXX  is reporting inaccurate XXXX XXXX Information. There was an overpayment where XXXX XXXX had to reimburse the money sent. Equifax is reporting inaccurate information. 

XXXX XXXX XXXX XXXX - This is a fraud account. This account was not opened by me. XXXX  is reporting fraud information and they was sent a FTC FORM. 

I have never had a XXXX XXXX XXXX account because whereI live they do not have XXXX XXXX XXXX XXXX. I have talked with XXXX XXXX XXXX Customer Service Rep and they do not see any accounts with my name on it. So XXXX   and Equifax is reporting incorrect information. 


Inquiries that was not authorized by me : XXXX XXXX XXXX 3 times
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of 2022 I noticed an unauthorized credit card account from XXXX on my credit report. I immediately contacted Experian, who promptly removed the fraudulent account from my report within a couple of days. They froze my credit and added an identity theft alert. 
Shortly after, at the beginning of XXXX I saw a personal loan from XXXX on my credit report, without any inquiry appearing from when the loan was applied for. I again immediately contacted Experian to dispute the unauthorized account. This time the dispute was denied, and Experian explained that the information was verified with the lender. If I felt this was in error, I could reopen the dispute, but I would need to file and Identity Theft Report with the FTC and try to contact the creditor. I did both. However, when I reached out to the lender, they said they could not assist me unless I emailed them from the email used to obtain the loan, which is clearly impossible. 
Furthermore, Experian required that I upload not only the Identity Theft Report on their portal but also my government issued ID and a bill or bank statement. I obliged, yet continued to receive emails saying that they could not honor my request and to submit all this verification. 
I elected to call and proceeded to wait on hold for 40 minutes to speak to a supervisor. I was eventually informed that one was available and that I would be connected. After about 10 minutes of dead air the call was disconnected.
Product: Checking or savings account

Santander has sent a letter stating they are closing down my vault lockbox at the end of this month but i already paid in advance for the period of XXXX
Product: Checking or savings account

NFCU closed my account without notice and is currently withholding my funds.
Product: Debt collection

I checked my credit score saw a debt on there from ProCollect Inc. I then went to the website and used chat feature to reach out to someone. They asked my name, social Security number and phone number. They ask for my address but i told them i couldnt remember the address of the home the bill was for. They asked if my number was a cell phone I said yes. They then told me i owe XXXX plus XXXX for a unpaid bill from XXXX XXXXXXXX XXXX then gave me options on how to pay the bill. I told them i have no knowledge of this bill. I gave a 60 day notice and paid my final month rent when i left they said i didnt have a balance. I ask Procollect agent what it was for they said it was a cleaning bill I asked i never received any bill from XXXX saying I owe anything. They then asked me if i received a bill from pro collect i advised them no i did not. They then told me i have to pay the bill before XX/XX/XXXX. I advised them i am not paying a bill that i never got and never was told what it was for no detail no chance to dispute or pay if i do owe. I asked how i can get a copy of that bill he then told me consumer inqury. I asked how do i access that as i dont see that on the site. He then told me that i had until XX/XX/year> to pay the bill good night then disconnected the chat.
Product: Mortgage

I had the house sold and could not get a Mortgage payoff since XX/XX/2020. They have given me a number of excuses but still no payoff. Now the house is probably going to go into foreclosure.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Pa XX/XX/XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX  ), In accordance with 15 USC 1692g, I, XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt. I ASK THAT YOU SEND ME VERIFICATION OF THIS ALLEGED DEBT. PROOF THAT THIS ALLEGED DEBT BELONGS TO ME, A FORMAL DECLARATION IN WHICH YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE, AND MUST BE NOTARIZED, ARE REQUIRED FOR VERIFICATION. The Fair Debt Collection Practices Act requires you to stop collecting on this purported debt since it is being disputed, and this includes reporting to XXXX, XXXX, and Equifax about it. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. You are in non-compliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic personal information to nonaffiliated third parties and not providing me a notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. I request that you provide me the " Aggravated Value of Purchase '' document, which details the price you paid for this loan. ANY ATTEMPT BY YOU TO COLLECT MORE THAN WHAT YOU PAID FOR THIS DEBT IS A MATERIAL MISREPRESENTATION, FRAUD ON THE COURT, AND FALSE & MISLEADING. A WARNING IS BELOW! YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER AND IF YOU DO NOT CEASE ALL COLLECTION ACTIVITIES AND REQUEST FOR THIS ACCOUNT TO BE DELETED FROM MY CONSUMER REPORT, I WILL COMMENCE A CIVIL ACTION AGAINST YOUR COMPANY, IN THE UNITED STATES DISTRICT COURT. Please be advised that if you fail to respond to this dispute within 30 days, I will be forced to escalate this matter and take appropriate legal action. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if you do not comply with my request. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 and XXXX XXXX XXXX XXXX XXXX : # XXXX Ref # XXXX, has violated my rights and committed fraud on my personal information by attempting to collect a Debt that was not owed by me through the use of a third party Debt collection agency, XXXX XXXX XXXX XXXX XXXX. I have never opened an account with the above creditor, have a credit card with them, nor have I ever done business with or owe them a financial debt. 

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: Vehicle loan or lease

I was mailed a check this past XXXX from Wells Fargo Remediation regarding a car loan back in XXXX of XXXX. The letter was very vague and they identified that they had issues applying my payment. Those issues contributed to repossessing my vehicle in XXXX of XXXX. They state as a result interest and/or fees were incorrectly assessed. They enclosed a check for {$7400.00}. I took it upon myself to look more into this and I am completely speechless to what they did to me and hundreds of other customers. I am ( XXXX  ) of XXXX customers that were " scammed '' and had my car basically stolen from Wells Fargo. 
I then realized that WF admitted to signing up customers for insurance even if they already obtained on their own. They only have spoken to me about the ( 1 ) repossession in XXXX BUT they also repossessed my vehicle in XXXX of XXXX. My husband and myself had to gather up the money to get it back the first time. I remember that I was upset cause I was only 2 weeks late on my payment. Fast forward to XXXX and it was taken again and at that point my husband and myself were not able to get it back. No real reason was given to me on any of it. It was such an emotional and financially draining event. I never even received a final letter on what happened to my car after it was auctioned off. I have been speaking to Wells Fargo since XX/XX/XXXX of this year as I wrote them and asked to go into mediation regarding this because I want answers and quite honestly they have not made this right. They purchased an insurance policy from XXXX of XXXX - XXXX. I had my own insurance and my car was repossessed twice in that time frame! The entire situation caused me to have bad credit with a repossession on my record. I struggled for years to get another car because it would require much money down and lets not fail to mention the shame and just financial " RUIN '' it did to me. I married ( my first and only marriage ) in XXXX of XXXX. I got denied for home loans and I am sorry they need to make this right! I have every record of having the proper insurance on that vehicle. I also have the information to what happened to my vehicle after they took it in XXXX XXXX. They sold it in 5 days and the state of Texas requires 10 day ( ILLEGAL ). I also have all the info of large deposit on the car the day I bought the vehicle at dealership. What they did is a fraud and scam. My mediator " XXXX '' has not mediated with me but has had me call other departments that get me no where. I am asking for assistance from you all please. These last 30 days having to go back to such a traumatic experience is weighing on me. PLEASE HELP
Product: Debt collection

I contacted them to cancel my service and refund the amount as they did not give me any service but they abused me and now they are not picking up my call.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX 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. 

UNAUTHORIZED INQUIRIES XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

I am disputing the XXXX hard inquiries that are on my Trans Union credit report. 
The inquiries are from XXXX Bank and they are : XXXX. XXXX : XXXX XXXX XXXX ) XXXX. SYNCB/Walmart : XXXX XXXX XXXX ) XXXX. XXXX : XXXX XXXX XXXX ) I have sent XXXX letters to Trans Union to dispute these hard inquiries and they have done nothing yet to correct the issue.
Product: Credit card or prepaid card

By beginning of XXXX I discovered that my Bank of America Unemployment Card was used without my authorization and card was lost. 
I received a credit for the purchases after the dispute was submitted. 

By beginning of XXXX, the first week of XXXX, when I tried to log in on the online banking for my Unemployment Card the card was closed, I called Bank of America en they informed that Unemployment requested the closure of my account ( they lied to me ) I contacted Unemployment and they didn't know why my account was closed. 

The weekly deposit for XX/XX/2020 is not returned to Unemployment and Bank of America is not displaying the deposit in the online banking either, my unemployment website shows that the deposit of XXXX was complete on XX/XX/2020. 

When Bank of America reopened my account after I was several days calling, my account was negative for the amount of the credit that they provided about the dispute completed back on XXXX. 
They first time I called I was informed that my dispute was closed due to a prepaid account was closed and they credit taken from my account by Bank of America, agent said that she will submit a ticket on my behalf so they can reopen the claim and provide the credits again. 
I spoke with different customer service agents and agents from the Dispute and Fraud Depto in Bank of America, to mention names XXXX and XXXX, XXXX is a supervisor in Disputes and Fraud, Dpto handling the dispute opened in XX/XX/2020, I was informed by XXXX that there is thousands of customers with the same issue and Bank of America is correcting 1 by 1 and they don't work holidays or weekends, they don't have a estimate time for completing the ticket that she submitted about my case. Also XXXX informed that the ticket that I was told that they will submit on my behalf was never submitted but she will send a ticket on my behalf. 
This week I been trying to call Bank of America and every single time I tried to call from the phone that I have registered in my Unemployment Prepaid Account with them, Bank of America sent me to the Voice Mail or hanged on me, I never received a call back for the voice messages I left, but when I call from a different number that the one that I have on my account they answer and when I explain my situation they said please give me a moment to ask something to my supervisor and then transfer my call to a different person or department different than Dispute or Fraud, obvious they can not help with my case. 

It is a very frustrating situation, unemployment still depositing my weekly payments to that prepaid Bank of America debit card but since my account is negative because Bank of America don't want to resolve the situation my unemployment payments are covering the negative balance.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc. ) due to inadequate consumer service and unfair practices. Which violates the consumer financial protection act. ( CEPA ) 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 comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I noticed inquires that were not authorized by me and seem to be fraud. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was submitted to XXXX XXXX who was listed as the source for two dismissed bankruptcies on my Equifax Credit Report as inaccurate information and XXXX XXXX returned re-investigation results as removing the two bankruptcies from their report on XX/XX/XXXX. 

A dispute was filed with Equifax and proof of the deletion was included and highlighted, and Equifax is providing a generic response of accurate information. 

The dispute is for the removal of the bankruptcies. This has been an on going issue but I either do not get a response or I get another results letter stating it is accurate. 

Another re-investigation was filed with Equifax XX/XX/XXXX with proof and they just provided a electronic generated response and now they are saying the bankruptcies are listed as discharged and not dismissed, but still naming XXXX XXXX as the source of bankruptcies that are not on my report.
Product: Credit reporting or other personal consumer reports

I currently have three fruad accounts and inquiries on my credit report. 


1. XXXX XXXX {$760.00} 2. XXXXXXXX XXXX {$210.00} 3. XXXX XXXX XXXX XXXX {$750.00}
Product: Credit reporting or other personal consumer reports

Although all of my student loans have been transferred to XXXX, NelNet continues to report to XXXX, et al. that I have open accounts.
Product: Credit reporting, credit repair services, 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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with ought my written instructions.