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

First and foremost my name is XXXX XXXX and I am an XXXX XXXX XXXX out of California. I've been in many high profiled movies and made many contributions in my field, I am also married to XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. Two weeks ago I was told I would have full access to my account on XX/XX/XXXX and they lied to me and now they're telling me I have to wait another2 weeks. I don't know what shenanigans is going on but I need help The reason for me to explain all my accolades and accomplishments is because I feel I am being taken advantage of by my financial institution and I am afraid I am at risk of getting my account closed and they will steal money from me, I've been in this situation before in XXXX where me and my lawyer XXXX XXXX had to go to court and file a lawsuit against another financial institution because money was stolen out of my account which I won my case. 

Now my problem with my financial institution is I deposited a check for {$50000.00} and hours later they disabled my account due to fraud. Which is highly offensive because all I wanted to do is move money from one bank to another. I was responsible to send a letterhead from my bank to Merrill Lynch to be on the safe side to prove I had the funds available. 

This is the I explained all my accolades because XXXX XXXX XXXX XXXX  and will never commit any fraud, I work hard for what I have and to accuse me of fraud without iota piece of evidence is not right. I just want to get this situation rectified first before I initiate a lawsuit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I pulled my credit report and found the following inquires to be unauthorized and fraudulent. 

I contacted XXXX  and TransUnion in regards of disputing the fraudulent hard inquires via letter and phone. XXXX  was able to remove the unauthorized hard inquires. However, TransUnion failed to remove them. I sent them a certified letter demanding removal for the hard inquires on XX/XX/XXXX. I tried contacting them via phone and still denied to remove the same hard inquires XXXX  was able to remove. 

They left me with no choice other than filing a CFPB complain hoping to get their attention and follow FCRA 's requirement and law but before taking any legal actions. 

Please advice them to remove the fraudulent and unauthorized hard inquires as my previous letter stated the following : 1. The inquiry was not authorized XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

2. The inquiry was not authorized XXXX  XXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

3.The inquiry was not authorized XXXX XXXXXXXX  XXXX Inquiry Date : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017, I had a nam e change. I notified all  XXXX  credit bureau 's and supplied all legal documentation, court order, social security statement, drivers license, etc.  XXXX  and   XXXX   have updated my report. TRANSUNION STILL HAS NOT PROPERLY UPDATED MY NAME CHANGE, IN FACT THEY CHANGED TO SOME FALSE NAME THAT DOES N'T EXIST, USING "  XXXX  '' INSTEAD OF "  XXXX  '' AS MY FIRST NAME. AND THEY ARE STILL KEEPING MY OLD NAME On the report. I have sent them numerous letters, telephone calls, uploaded documents and more recently had them sign for certified mail, DATED  XXXX   XXXX , ATTACHED, for all the documents they needed, including birth certificate. TRANSUNION  CONSUMER  RELATIONS AT THIS ADDRESS :  XXXX   XXXX   XXXX ,  XXXX , PA  XXXX  just mailed me an " updated '' credit report dated  XXXX   XXXX ,    2017 and said they have updated the information, BUT THEY DID N'T, they did nothing, except now hav e an incorrect name on my credit report along with my  old one. I hav e talked to these people on the phone, but they are all over in  XXXX  O R SOMEPLACE and tell you they will fix things but they do nothing - NOTHING! They are not properly trained and knowing they have access to all your credit information is somewhat FRIGHTENING to be honest. One person told me he was not allowed to change name and a SUPERVISOR WOULD DO IT, SO HE TRANSFERRED ME TO THE SUPERVISOR  AND HE SAID HE UPDATED IT CORRECTLY, BUT HE DID N'T, AND THAT WAS BACK IN  XXXX . This is ridiculous and they are holding up my purchase of a home. THEY ARE INCOMPETENT AND SHOULD NOT BE ALLOWED TO CONTINUE TO MISHANDLE PRIVATE INFORMATION AND CREATE FALSE NAMES.
Product: Debt collection

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 Dispute of Account Charges Due to XXXX  Dear XXXX  Customer Service , I am writing to formally dispute the {$590.00} bill on my XXXX  account for the period of XX/XX/XXXX to XX/XX/XXXX. I have been XXXX  since XX/XX/XXXX and remain in XXXX, with a scheduled XXXX  date in XXXX. As such, I could not have incurred these charges, and I believe they may be due to an error or unauthorized usage. 

I kindly request an investigation into this matter and ask for the following actions : XXXX. Verification of Charges Please provide detailed records of the usage and account activity for this period.

2. Account Adjustment or Closure If the charges are incorrect, I request the removal of this balance from my account.

3. Credit Report Correction If this debt has been reported to the credit bureaus, I request that it be removed due to my documented incarceration. 



I am happy to provide proof of my XXXX  if necessary. Please respond to this dispute in writing at the address above or through an authorized representative on my behalf. 

Thank you for your prompt attention to this matter. I look forward to your resolution. 

Sincerely, XXXX XXXX
Product: Student loan

Ever since my payments to the loan provider XXXX were suppose to begin the repayment plan I have not been able to successfully pay my loans except for XXXX payments ; XXXX at the end of XXXX and XXXX in the beginning of XXXX. The successful payments I made were from my personal bank account, however since then I have switched the payment information to my other checking account which holds my college funds. My current account has more than enough funding to cover the payments so payment return due to insufficient funding is not an option, I am also named on the account so my billing and account information match up to prevent any potential identity issues of who is paying the loan. In the times I have talked to a customer service agent they removed my autopay and told me to reset it up just incase there was a system error which did not fix the problem. I questioned them on how I was receiving past due notices on my accounts if there were payment history transactions to my loans. They told me it could be because not all the loans were being paid, however, when I went to go add loans to my auto payment there were no other loans to add because they were not in repayment. When I look at my loan account summary it shows monthly day dates and amounts but when I look at my account payment history I have only had XXXX successful payments : XXXX. XX/XX/XXXX for {$240.00} XXXX. XX/XX/XXXX for another {$240.00} XXXX. XX/XX/XXXX for {$1500.00}. My repayment trouble began the beginning of XXXX when there was no payment posted or needed to be made and then beginning XXXX of XXXX a combined payment was posted for the XXXX month and a past due amount from XXXX. After I made the XXXX payment is when my repayment issues substantially increased. From XX/XX/XXXX until XXXX XXXX I have XXXX reflection in my loan summary and account history, for XXXX almost XXXX consecutive months I have nothing but pretend payments being posted and returned to me. They do not even reflect in my personal bank account transactions on XXXX of money being pulled out and returned. This is incredible unprofessional and extremely frustrating and I would just like help on resolving this issue and repaying my loans successfully.
Product: Checking or savings account

On XX/XX/XXXX Chase locked up my checking account. I had my XXXX money in there for my family around 3950.00 I was not able to get money out or purchase anything with my debit card. I called chase that night after 3 hours on hold I was told from there fraud department that I was not allowed to bank with them and they would send me my money back in 10 days. Not only did they lock up my checking account but my XXXX credit card through Chase is locked up and I can't see anything on my app my balances can't make a payments nothing they are going to ruin my credit. Well I call back the next day after 2 hours on hold I was told it was something to do from a XXXX incident with Chase. I banked with Chase from XXXX to XXXX I was kicked out in XXXX I was selling a boat somebody sent me a check I showed the check to the teller and she called the bank and confirmed it was a good check I deposited the check somehow it worked in reverse I called the bank as soon as I found out they stopped it the next day it happened again it worked in reverse somehow I called the bank they locked my account they said they would get back to me and the next day they got back to me and said I can no longer bank with them so they sent me my money back in XXXX so in XXXX of XXXX XXXX offered me a credit card I got approved for the credit card that is offered by Chase bank also they were sending me promotions through Chase bank to open up a checking account again I did three or four months went by everything 's been fine the day before XXXX they locked up my account they will not tell me why or give me any reasons. I have done nothing wrong they put immense amount of stress on me they are ruining my credit I can't make my payments please help me thanks
Product: Checking or savings account

The unauthorized transaction happened on XX/XX/23 from my account that was attached to Paypal for a total of {$1200.00}. A {$500.00} transaction, another {$500.00} transaction, and a {$200.00} transaction. 
I notified Paypal of fraud right away, and filed a claim through them. Within 24hrs the claim was supposedly denied, but I was not contacted about it. I knew that refunds take time, so I gave it some time, and I kept noticing that Paypal kept trying to pull {$700.00} from my account. I think the initial transfer from the fraudulent person was denied for whatever reason, and now when Paypal tried to pull the money it would not go through because I froze my account. 
Unfortunately, with my being busy with work I did not have time to get someone on the phone, and when my wife called they would not speak to her. After a week long work trip I got home and called to figure out what was going on. They told me that the {$700.00} was sent to the fraudulent person because they viewed my claim and denied it stating there was no evidence of fraudulent activity. 
I don't understand what lack of evidence they are talking about. If asked I have loads of evidence that I did not authorize these transactions. 
I have read up what to do about this situation, and it sickens me to see that Paypal has allowed this same exact situation to happen to multiple people. A fraudulent transaction happens, and when a claim is made it is denied within 24hrs.

I asked to speak to someone higher up, and when transferred the call was disconnected on their end. It has been an absolute nightmare working with Paypal, and I just want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XX/XX/2022.
Product: Checking or savings account

On  XXXX    differtent ocassions the bank mngr.  XXXX   XXXX  acted in avery unprofessional manner and tried, without my permission to have me talk to his investmenet person.Then when I filed a complaint against him I got a rude and threatening call from his supervisor,  XXXX   XXXX  threatening to close my account at once and to mail me back my money.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

UNAUTHORIZED INQUIRIES : XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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 without my written instructions. My legal rights have been violated. Due to this violation this account must be removed from my credit report immediately. 


In accordance with the Fair Credit Reporting Act, 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 without my written instructions. My legal rights have been violated. 
Due to this violation this account must be removed from my credit report immediately.
Product: Checking or savings account

in XXXX on XXXX XXXX on the corner of XXXX XXXX i think, can i ask you something chase banks used too print a new febit card on the spot if i lost mine so past time they like corporate law what coroorate its a bank? so they give me an XXXX XXXX yr old atm card but thing is, if theur printers print atm cards i dont think they get as a bank its still my XXXX money and if im im a store long story short can yiu ask XXXX   do i not look cia.gov cause no i know im not a chase private client, its ok i am with XXXX. my email XXXX  is XXXXXXXXXXXX so ond my buddies had the samr situation and they printed him 2 new debit cards in two days both in XXXX. intelligence identification protection act. im gon na change banks obviousky but instead og printig me a new debit like withh my friend goes we sent iy on XX/XX/XXXX si w/the holidsys XXXX thd holidays guy said hd special XXXX it two days to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown person obtain car lease was purchased in my name XX/XX/2017 while i was away on vacation i did not authorize any purchase from this company i never had car in my possession this is a fraudulent account used to obtain goods in my name i will attach hotel receipt as evidence along with police report XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/2017 Balance XXXX
Product: Debt collection

I had an XXXX account and called around XXXX of last year and settled my account because of divorce and they took it off my credit report and now portfolio company now says they have it now and it is back on my credit for XXXX and the account was XXXX? It is killing my credit? Please help me please I dont need anything else on my credit trying to pay off debt not get something taken off and then put back on again? Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 XXXX XXXX - Account Number : XXXX Account Name : XXXX  - Account XXXX : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX  - Account XXXX : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I've been disputing the following below items with the bureaus and they all remain on there in violation of the Comprehensive Credit Act of 2020, Section 401. I've sent them multiple letters. No collection should remain without a contract. Same goes for inquiries as well. I have no authorization/contracts for such. There should not be any late payments either for accounts that I've paid in full, i've already discussed with them about this. 

XXXX XXXX XXXX {$4300.00} - Closed & paid in full never late ( unverified late markings ) XXXX potentially negative months XXXX XXXX - Inquiry Unauthorized Inquiry from XX/XX/XXXX XXXX XXXX XXXX - XXXX, debt buyer??? 
Opened XX/XX/XXXX {$290.00} XXXX XXXX XXXX - unauthorized inquiry Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - unauthorized inquiry Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX
Product: Checking or savings account

My mother, who XXXX XXXX, had an account at Key Bank. 
I am the executor of her estate. 
For the last almost XXXX months I have been requesting records of her account for the years XXXX XXXX XXXX along with any XXXX tax forms. 
Every attempt has met with resistance, stalling, stonewalling, or outright refusal to allow me the documents. 
I have went certified mail letters to their CEO and general counsel, which resulted in a reply which was another obvious stalling form letter from someone with no last name, saying that they have been trying to contact me ( garbage ). Several calls to the number in the stalling letter resulted only the ability to leave a message. There have been no replies to the messages. 
The executor, after having duly qualified, essentially stands in the shoes of the depositor in terms of what he or she may request of the bank. Thus, just as the decedent, during his or her lifetime, could have requested statements and the like from the past, so may the executor. All dates are shown on the attachments.
Product: Debt collection

I informed this company that it was a fraudulent account, showed them that the account was removed prior to it being given to a collection agency. 

They responded with an itemized invoice, and billing statements - which serves no purpose. If the account was fraudulent, it being used has nothing to do with it being fraudulent. 

The account was also blocked from all bureaus, CFPB, In XXXX of 2019, FCRA 605b.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again., XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX ( Original XXXX : XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$55.00} ; XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern ; The reason for this letter is to dispute an unauthorized inquiry on my credit report. 

Made by your company XXXX on XXXX. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 

For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Had tax refund deposited direct from irs to wells fargoXXXX for the last 3 years, did the same this year only XXXX changed their policy about XXXX  personal and business accounts and now Im not eligable for direct deposit. I call paypal and they say when direct deposits are rejected that they automatically send funds back to issuing bank, call wells fargo and they cant find the account number that ive used through them for 3 years so I call the issuing bank ( XXXX XXXX ) for the irs and they show the date they sent to wells fargo and also provide me a trace number but show that wells fargo has not sent the money back to XXXX XXXX I've ran around in circles for 3 months trying to find my money and can't get answers from anyone.
Product: Money transfer, virtual currency, or money service

PayPal extorted my money. During this difficult time due to covid19 my work place is shut down and I am not able to work. Because of this I have no money. My friends reached out to me and tried to send me donations via PayPal because they know my difficult situation and that I have XXXX children who need food. First they charged me a fee from the donation money sent to me. Second they claim I am a new seller and that they must hold my money for 21 days. I am neither a buyer or a seller. I am a recipient of Charity. These people are just sick stealing from a family in need during a global crisis. More than likely they are also collecting interest on my money while they " hold it '' and they won't give it to me for 21 days. You have to be a real evil company to steal from a guy with XXXX kids. I will never use or recommend their service to anyone ever again. If you want to send a friend money or receive money from a friend don't use PayPal ...
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX is not reporting accurate information, Transactions or experience are excluded from the information on consumer reports accordsing to Congress. Please remove this late payment to prevent future litigation. XXXX XXXXXXXX XXXX accounts needs to be deleted immediately this account do not belong to me. According to the FCRA all information must be 100 % accurate. XXXX XXXX needs to be deleted this account is not reporting accurately.