23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Checking or savings account

On XX/XX/XXXX they charge me XXXX overdraft fee. On XX/XX/XXXX they charge me an overdraft fee of XXXX and XXXX. When I called to ask questions, no one can answer me. This is an ongoing process since XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I opened SunTrust Checking and Savings accounts online and promptly followed up with applications for a Prime Rewards MasterCard ( Application ID : XXXX ), which was immediately approved for a credit line of {$2000.00}, and a Cash Rewards MasterCard that was declined ( supposedly because only one application can be approved at a time ; Application ID : XXXX ). Although the Card that was approved ( last 4 digits : XXXX ) showed up in my online account immediately, it was not very long afterward that it vanished and I was presented with vast assortment of misinformation over the course of the past week -- including being told on XX/XX/2020 by the Credit Card Underwriting Department that my Card had been stolen and later being told by the Credit Card Fraud Department ( reaffirmed this past Friday ) that a replacement Card had been ordered -- before being informed today ( by a representative who claimed that no supervisors were available ) that my information could not be verified and that I would need to bring my identification into a local SunTrust branch before the approval process could move forward.
Product: Debt collection

On XX/XX/XXXX I received a credit alert saying an collection account was added to my collection file. I never received a letter or phone call saying my account was late or that it was in collections. This is for a timeshare maintenance fee from last year that I was a cosigner on in 2010. Additionally when I call Aspen National to discuss the person I spoke to was rude. I told him i would talk to my lawyer to discuss the legality of this being added to my credit. Several times he stated I didn't need a lawyer or " if you hire a lawyer you are still going to owe {$830.00}. Finally, he hung up on me.
Product: Bank account or service

I was charged over {$15000.00} in bank fees in 3 months. My cash deposits were held as pending and fees accumulated due to the timing of the deposits. Holding deposits caused negative balances, NSF checks and many bounced check fees. A detailed review of my account listed the time of many transactions as " time not available ''. 

My account was set up for XXXX transactions. All transactions over XXXX are charged {$1.00} per transaction. I made several requests to have my account changed to an account that would accommodate more transactions, but the account was never changed. In one month I had XXXX transactions. 
Information about my account was provided to third parties without my consent, which proved damaging to my reputation. 
Requests for reimbursement of the fees were ignored and then finally denied with out any explanation.
Product: Checking or savings account

1. I opened a checking account in Truist Bank and made an initial deposit of {$50.00} on XX/XX/2023 2. On XX/XX/2023 I lost access to my online banking account. I called the support and was notified that my account is permanently blocked. 
3. In a few weeks I visited their office to ask if my account can be unblocked. The bank teller told me that there is nothing they can do. I asked them when my deposit is going to be refunded. I was told that it's gon na be refunded via check in a few weeks. 
4. On XX/XX/2023 I received a statement that said that the service fee was charged. I called the support and was told that the only option is to visit their office again 5. On XX/XX/2023 I spoke with their branch leader - XXXX XXXX. She assured that they can solve this issue but first they need to unblock my account. She told me that it takes two hours and after that my initial deposit will be refunded. 
6. Today is XX/XX/2023 and my account is still blocked. The branch leader doesn't pick up her phone. I still receive statements when I get charged for service which they do not provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX MY SOCIAL XXXX, MY COMPLAINT IS I DID A DISPUTED WITH EQUIFAX AND TOLD THEM THAT THE XXXX CREDIT CARD ACCOUNTS XXXX XXXX XXXX XXXX AND OTHER XXXX CARD XXXX XXXX XXXX XXXX ARE ALSO FRAUD ACCOUNTS, THESE ACCOUNTS SUPPOSED TO BEEN REMOVE OFF MY CREDIT FILE. AND ALSO THE XXXX XXXX XXXX XXXX ACCOUNT THAT HAS A BALANCE OF XXXX DOLLARS. BUT ITS STILL SHOWING PLEASE HAVE REMOVE EQUIFAX REMOVE THESE ACCOUNTS THANK YOU
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX  TX -- Physical Address XXXX XXXX XXXX I resided at this residence between XXXX. During this time I paid my monthly rent as per agreement through the end of my contract. Provided 60 day notice as required, and paid pro rated amount for the month of XX/XX/XXXX. 
Received a text message XX/XX/XXXX of owed rent which I immediately responded and have text documentation to show that the ledger would be updated. 
Received collection notice from XXXX indicating a collection charge for $ XXXX for unpaid rent. Immediately contacted the collection agency and apartments to resolve the matter. Provided the following : Leasing Agreement Copy of 60 day notice moving required Monthly statements of paid rent XXXX Letter from utility company ( XXXX XXXX XXXX showing transfer of services to new location XX/XX/XXXX. 
Email correspondence from XXXX XXXXXXXX XXXX XXXX with XXXX XXXX indicating that he would be contacting XXXX to update their records.
Product: Debt collection

( XXXX XXXX XXXX attained a copy of his credit report after applying for an educational loan that was based in part on this particular collection account reporting a debt owed for an unpaid balance on an auto policy. On or about XX/XX/XXXX XXXX contacted a representative employed through a collections agency understood as ( Caine and Weiner ), as reflected on his three major credit bureaus personal profile via the contact information that is displayed beneath the amounts and account information. On or about XX/XX/XXXX XXXX spoke with a representative of this aforementioned debt collection company named XXXX XXXX and asked numerous questions with regards to the account and the reported information at issue herein. She stated that the debt was incurred for coverage that existed and was in place from XX/XX/XXXX to XX/XX/XXXX, and that it was for a two car policy. The cars and respective VINs associated with this policy are as follows ; XXXX XXXX XXXX, with VIN ( XXXX ), and XXXX XXXX XXXX, with VIN ( XXXX ). During the conversation with XXXX XXXX, XXXX asked her numerous questions, where at one point she became belligerent, circular, combative, evasive and redundant ; not answering the question. XXXX repeatedly asked how the debt accumulated, and she stated it occurred for non-payment from XX/XX/XXXX to XX/XX/XXXX. XXXX stated that this could not be possible as auto insurance policies cancel well before a near three month lapse in payments. XXXX asked again how the debt accrued and she repeated the same information, indirectly answering the question and slurring her speech. XXXX is not equipped nor willing to reconcile a debt with this collection agency if they are unable to verify how the debt accumulated and in the face of his demand and request, as afforded through consumer rights laws, that reporting of negative information cease immediately, be removed, all relative information be provided per his request consistent with the debt amount being asserted against his credit profiles with the three major consumer credit reporting bureaus ( XXXX, XXXX and XXXX  ), and that a negotiation or mediation prior to legal action be undertaken so that the debt is truly appreciated for what it is and reconciled from their appropriately without underhanded extortive tactics being utilized to manipulate money from XXXX by asserting a bizarre undue amount against his credit profile information with the three major credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company to request the documents be sent to me to validate this debt and have yet to be sent any information. Then I contacted the XXXX Experian and XXXX and reported the fraud. Experian told me that it does not meet the guidelines. This account is not mine ALSO this account is 60 month terms that would have ended XX/XX/2021 but still reporting late payments. The balance continues to fluctuate going up and down. Last month XXXX they reported a {$310.00} payment due. This account is incorrect unfair and becoming a burden on my credit. Also the date opened, payment status, date last active, and date last reported are not the same. Under fcra guidelines I have the right to a fair and accurate credit file..Please remove this account from EXPERIAN AND XXXX ASAP!
Product: Prepaid card

Issue : XXXX XXXX XXXX Account and Fraud Claim with Bank of America for XXXX Summary : I have a XXXX XXXX card with Bank of America for XXXX, which is currently closed due to XXXX ending its business with Bank of America XXXX. Despite multiple attempts to authenticate my identity at Bank of America branches, my prepaid account remains blocked. Both branches I visited stated I need to make another appointment for future verification. 

Details : Account Closure and Authentication Issues : My prepaid debit card with Bank of America for XXXX is closed due to XXXX ending its business relationship with Bank of America XXXX. 
I have been instructed multiple times to visit a bank branch to authenticate my identity. 
Despite proving my identity at two separate bank branches, my account remains blocked.

Both branches informed me that I need to schedule another appointment for verification.

Fraud Claim : I filed a fraud claim with Bank of America in XXXX. 
Despite submitting a police report and other required documentation, the claim has not been fully approved. 
The original prepaid card was sent to the wrong address. 
All the information on the Bank of America prepaid account was incorrect, which I had to update. 
Partial Approval and Check Cashing Issues : I received partial approval for my claim, amounting to {$20000.00}. 
I am encountering difficulties cashing this check at both the bank branch and check cashing places. 

Desired Resolution : Full resolution and approval of my fraud claim. 
Removal of the block on my prepaid account. 
Assistance in cashing the approved check for {$20000.00}. 

Attachments : Police report and other documentation submitted for the fraud claim.
Product: Credit card or prepaid card

Opened XX/XX/2019 and closed on XX/XX/2019. There was a problem with the bank account that I had linked it with and they didn't get payed properly so they closed. 
Now they are reporting me as bad credit and it is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, On XXXX XXXX I mailed debt verification letters via USPS certified mail to XXXX, Equifax and XXXX disputing reappearing deleted inaccurate collection accounts previously deleted from my credit profile.I requested that reporting agencies send proof of debt which included contracts and other compiling evidence to conduct a proper reinvestigation.Moving along, Im a XXXX veteran already dealing with day to day challenges and the reappearance of these accounts has created great burden for me and my family.
Product: Debt collection

I have been contacted by Franklin collections Agency, I have tried to work this debt that belongs to a family member out with them, but they refuse to comply back. I have sent validations letters, cease to delete letter and a pay and deletion letter still no answer back from company.
Product: Money transfer, virtual currency, or money service

People claiming to be USCIS officers, ICE officers, and police officers in my location have called me saying that there is an active warrant on me. They insisted that this should not be discussed with anyone until it is confirmed and cleared. Then they asked me to download a screen sharing app. And then made me make a transfer and send a cash check to the location for " immigration bond '' to temporarily stop the arrest warrant and my " public defender '' ( can't remember the exact term they used ). 

Then they put me on hold for around 5 minutes. Attached is the information they gave me to send the money about the " Immigration bond '' ( Bank of America Business Account Name : XXXX XXXX XXXX XXXX XXXX. Account XXXX : XXXX. XXXX XXXX : XXXX. Amount : {$5900.00} ). They sent me a " confirmation '' via email which it's address and the content looked fake since it was not a .gov email, and that's when I realized this was a scam and told them I can not trust your statement anymore. They threatened that they will be coming in tomorrow to arrest me since they have a warrant, so I told them okay and I hung up. 


After that, I called USCIS, ICE, and local police myself to check, just in case they are real officers and they clarified that there are no such people. Also I learned that all warrants are public so I searched if there really is a warrant on me, which turned out that there are none. 

I called Bank of America trying to cancel all the transactions, but sadly they said they can not assure that the cancellation will be made since the check has already been cashed. I tried to file a dispute on the day that I got scammed, and I think we were able to file one for the XXXX transfer, but the associate told me that I would have to wait for the processing transaction to be cleared for me to file a dispute. However, I called multiple times to make sure that the claims were filed and to check the status of it. 

My defense for falling into such scam was that the phone number they've been calling me were actual office numbers anyone can look up on XXXX ( as you can see on the attached file and my phone call history ) so that made me think that this was real. I have no idea how they were able to do that and I don't know who would not freak out and doubt about this if one thinks that an actual police officer and government agents are calling in this situation even if they did nothing wrong. 

Also, the number XXXX ( XXXX ) XXXX is the number that the scammer " who claims herself to be the Police OfficeXXXX '' said is her personal number. 
The names and titles they were using are XXXX XXXX ( claiming to be Police officer ) XXXX ( Claiming to be ICE agent and superior of the Third person, can not remember the last name at this point ) Third person ( Claiming to be someone in Office of the Principal Legal Advisor, XXXX, can not remember her name ) I've already gone ahead and filed in a police report to my local police department about this matter hoping they can catch who these people were.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found unauthorized accounts. Kindly remove these accounts from my report, as they are damaging my credit rating.
Product: Credit card or prepaid card

On XX/XX/XXXX, There were a series of fraud transactions online on XXXX using my XXXX XXXX credit card. I got email 's confirming all these transactions ( 6 orders ). Immediately I called up XXXX  and reported all the transactions. They told me they will take care of all the transactions and cancelled few of those transactions except two of them. 

I have repeatedly called XXXX XXXX and each time they refer me to the fraud department which is closed most of the time I called and once when I got fraud department the have referred me back to a different number. 

I am tired of complaining with XXXX XXXX and meanwhile I am getting late fee and interest charges on these fraud transactions. 

Fraud orders on XXXX ( most of them are reversed out after my initial complaint. 
Order # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX On XX/XX/28, my XXXX XXXX credit card ending with XXXX shows the two below transactions REFERENCE NUMBER - XXXX Amount - XXXX Reference NUmber - XXXX Amount - XXXX
Product: Credit card or prepaid card

I purchased a One Vanilla prepaid card from XXXX on XX/XX/2020 in the amount of {$65.00}. I tried using the card but it did not work. I went back to XXXX to make a complaint but I was told once they sell the card they have nothing to do with it working or not. I was referred to the company one vanilla. I called one vanilla on XXXXXX/XX/2020 to make a complaint and was asked to submit the original receipt and my picture ID and they would resolved the issue in 1-3 days. Case number XXXX. After submitting the documents I called back and was told to wait another 1-3 days. This went on for about two weeks, each time I call I get told to wait 1-3 days. I called again on XX/XX/XXXX and was told it would take 10 business days from XX/XX/XXXX which is XX/XX/XXXX. I called back today XX/XX/XXXX and was told it would take 1- 10 days from today. The company one vanilla seems to be ran by a company called incomm and so far they have refused to refund my money or provide a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We recently filed a complaint with CFPB regarding an experience while attempting to refinance our mortgage with Fifth Third. We have received and reviewed their response, including what appears to be fraudulent documentation, notably a customer initiated withdraw request. AT NO POINT DURING THE REFINANCE PROCESS INITIATED IN XXXX DID WE REQUEST A WITHDRAW. As indicated in our initial complaint and all conversations with Fifth Third we requested the loan process be continued. 

We are extremely dissatisfied not only with Fifth Third 's decision but are extremely disappointed that they would attempt to state we requested a withdraw. If they sincerely believed a withdraw request had been made we should have been contacted or received a copy of such a withdraw. Further, had such a request been made we believe it would have come up during discussions of our loan ; at no point during those discussions did anyone at Fifth Third disclose that such a request had been made. We would assume, that had such a request existed, that Fifth Third would have wondered why the customers continue to call inquiring about the loan and requesting updates as to its progress. All communications regarding this loan have requested that the process be continued and our incongruent with the current claim. It appears false documents have been created to support this false claim which is extremely disturbing. Fraudulent practices have no place any industry and we believe this must be investigated. 

We are requesting Fifth Third address this situation with the following pieces of information : 1. Who they claim made the request as well as associated date, time, and in what format.

2. Why we were not notified of a request being made in relation to our loan.

3. Why the form they have submitted is BLANK ( which is likely because no such request had actually been made ) 4. An overview of the investigative process they will take to ensure the security of our application and current home mortgage given the very clear evidence of a fraudulent request associated with our account. 

Additionally, a number of the requests we included in our initial complaint have apparently been ignored or denied. We request an explanation of why the requests have been denied and the appeal process. Notably, why as current customers NO ONE from the company has returned our calls or attempted to communicate with us. We remind Fifth Third that we are CURRENT CUSTOMERS now with significant concerns regarding fraudulent activity on our account and request the curtesy of a phone call with an individual who will be able to facilitate an appropriate investigation. 
As though the customer service we received was not horrible enough, we know have to contend with either fraudulent documentation created by our bank to support their position OR investigate a serious act of fraudulent behavior by an outside party which the company allowed to occur. This is unacceptable and continues to cause significant distress.
Product: Money transfer, virtual currency, or money service

I funded XXXX loans, XXXX on XX/XX/XXXX and the other on XX/XX/XXXX, which were subsequently canceled and supposed to be refunded. I have yet to receive a full refund. I am still owed {$460.00}. Their customer service has ghosted me or lied every time I reach about regarding this issue.
Product: Credit card

I had automatic payments set up for a card with Capital One. Capital One is telling me the automatic payment was cancelled on my account before the due date which I do not recall doing. As soon as I was aware of the automatic payment not being processed I made a payment of the full statement balance ( {$1900.00} ). This payment was made within 24 hours of the due date. Capital One is telling me there is nothing they can do and that I am to be expected to pay interest on the balance in the amount of {$54.00}. I explained to Capital One the automatic payment should have paid my statement on time yet something happened with their system, yet they are not willing to credit the interest charge.
Product: Credit reporting or other personal consumer reports

This inquiry was conducted by the creditor without my authorization and must be swiftly expunged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is absolutely misserable to work with. I had them freeze my credit report two years ago. They issued a 10 digit pin. I have my PIN and can provide it to them, but they don't provide anywhere to enter it. Now they are not using the PINS and I have spent 1 hour trying to work with their miserable automated phone system. This company should not be in business.