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

My wallet was lost while out eating with my family or at work someone got my wallet and withdrew the funds fraudulently without my knowledge out of my account right before my rent and XXXX they stole all of my money from my account that I was depositing fraud was committed on my account I then disputes these fraudulent charges With my bank and was denied for no apparent reason I conduct my life on being honest and will never rob steal or cheat anyone my funds was stolen and my claim was denied behind someone wording my claim wrong till this day I haven't received my funds I never in my life been dishonest and the way this bank I trust and deal with to handle all my future funds denied my rightful claim made me look at everything different it's a zero fraud liability I read up on this bank since bring denied i would more than anything for this person to be caught because what navy federal put me and my child through behind this on top of this person to about to lose everything i work hard for please help me i am being evicted on tuesday over a XXXX and transaction and a XXXX dollar transaction that was not me i really need help immediately
Product: Vehicle loan or lease

On XX/XX/2023, I went to the XXXX NC Branch to apply for a used car loan. I had my children with me, I had a bill of sale with me and I recorded the transaction for my personal files and safety. XXXX was the representative that filled out the application on my behalf, he asked me a series of questions and he had me sign the electronic key pad for the promissory note, the GAAP Insurance and for the disclosures. I had asked XXXX XXXX for a copy of all the documents that I signed and he explained to me that he was not able to print them out at the moment but he assured me that I will retrieve the copies in the mail along with the response of a denial or an approval. I never received the copies. I did send an Adverse Action Letter upon receipt of the denial letter and then I received another letter from XXXX XXXX XXXX in response to my adverse action letter. I called customer service to get copies of the documents that I requested and I was asked if I had appealed the decision? I said I did not know I could Appeal the decision, no one had disclosed that information to me and is it to late to appeal it? The Rep. stated that it was to late to appeal it. She also stated that there are no signed documents along with my application. I know that the Bank that I am Banking with is committing Bank Fraud and there is no statute of limitation on Fraud. I still want a copy of all the documents that I signed on XX/XX/23 and I want this matter to be thoroughly investigated to further support my claims. I am the holder in due course and the original creditor therefore I was not supposed to be denied credit.
Product: Credit reporting or other personal consumer reports

Ive been fighting with the credit bureau to take these unauthorized accounts off my credit file. Ive stressed to them that Im a victim of identity theft and also Ive sent in supporting documents
Product: Debt collection

The Chase Bank creditors are using predatory calling practices ; when I tried to call to discuss debt solutions to high minimum payments due to COVID and absence of current income, they increased my minimum payment instead, and have repeat calls which are 24/7 and are harassing me. This is distressing especially for my health in this difficult situation.

Also, they have no reasonable debt accommodation options for a World Pandemic, nor to assist people who are highly affected by it like myself. They are unwilling to assist with staff or calling/software systems which are not predatory to the consumer.
Product: Credit reporting or other personal consumer reports

This is now my 2nd time demanding a removal of these fraudulent inquires, Experian needs to remove these inquiries they keep failing due to negligence and misinformation : ( XXXX  XXXX XXXX ( XX/XX/year> ), XXXX XXXX XXXX ( XX/XX/year> ) These are the inquires. Ive attached screenshots of the issue. I have RE-ATTACHED the fraud report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent notices multiple times to the Credit Bureaus regarding Fraudulent accounts and they've yet to remove accounts. FTC Report was filed and submitted along with proof of my identity to XXXX, XXXX, & XXXX. XX/XX/22 and XX/XX/22. As a consumer I'm supposed to be protected and they have violated my rights. Due to their inability to remove items I've been denied a mortgage loan for me and my family. My next step is to file a lawsuit against the credit bureaus for 1. Defamation of character 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance-616. Civil liability for willful noncompliance 15 U.S.C. 61681n ]
Product: Credit card or prepaid card

This card was open in XXXX I never applied for this card I never stayed @ the address where the card was sent when I talk to the collection company they said the person was paying with a money order so that mean that's not my handwriting and I can prove my signature and I bought a house in XX/XX/2016 so why would I have a credit card mail to a different address
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Zelle due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Zelle has 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 not 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 card or prepaid card

On XX/XX/2021 I applied and was approved for Chase Bonvoy Boundless credit card. On my application, I gave my Marriott XXXX  account number.

Upon meeting minimum spend, I should receive sign-up bonus of 125,000 Marriott XXXX  points and 1 free night certificate redeemable at any hotel night stay of up to 50,000 Marriott Bonvoy points I met the minimum spend on XX/XX/2021, but I did not see any points deposited into my Marriott XXXX  account I reached out to Chase through Secure Messaging on XX/XX/2021. On XX/XX/XXXX, I heard back from Chase through Secure Messaging that a new Marriott XXXX number has been created for me, and that I should reach out to Marriott to combine the two different Marriott accounts. 
I do not understand why Chase had created a new Marriot
t XXXX  account for me. Taht is not what I had asked for. Nonetheless, I reached out to Marriott to have the two accounts combined.

Marriott claims that the name on my original account is not the same as the account Chase had opened for me. Marriott also asked for name change documentation. There has been no name change on my end. I do not know what Chase has done and why Chase had opened a new account that is not under my name.

Since Chase did not deposit the 125,000 Marriott XXXX  points and 1 free night certificate into a Marriott account that is available to me, this is effectively the same as denying me the sign-up bonus.

I had been given the runaround by Chase and Marriott people many times. I have no recourse but to file this complaint hoping CFBP can help me. 

Thank you for your kind attention. I look forward to seeing Chase rectify the situation and deposit XXXX points and the free night certificate into my Marriott account.

Attached you will find communication from Marriott claiming that the two Marriott accounts have different names even though you can see that they are not different.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accts on my TranUnion report from DEPTEDXXXX that are old. 
I've disputed the items through my account on their website and called to dispute the outdated accounts and was told that I can't dispute them or they would move the reported date so that the item reflects a date more recent than was originated, so the item will stay longer on my report. The item was reporting past due when it had been transferred to another company and was an account over 7yrs. I contacted TransUnion by phone regarding this matter and was told that nothing can be done about it. I then asked how was this fair and accurate credit reporting if the information is wrong. The rep I spoke to told me that IF they were to verify w/ DEPTEDXXXX they ( meaning DEPTEDXXXX ) would say it's reporting correctly and the item would stay longer on my credit. 
I want the old items from DEPTEDXXXX removed from my report so that it's accurate.
Product: Payday loan, title loan, or personal loan

We received an email on XX/XX/XXXX that a dispute to the loan we secured with Affirm.com had been denied. However, we immediately notified Affirm that we did not make any such dispute. They responded more than XXXX weeks later on XX/XX/XXXX that said no unauthorized activity had occurred ( which is not true - a dispute was filed ) and they had restricted our account so that we would not be able to take out any other loans. It is completely unacceptable for us to notify a company of unauthorized activity ( as any responsible consumer should do ) only to be responded to by the company calling us liars and restricting our account to deny any future loans.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Several of the accounts listed exhibit inaccuracies in reporting, including erroneous amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrote letter for VALIDATION not VERIFICATION no response more than 30 days
Product: Debt collection

i paid XXXX insurance my last pymt iao XXXX in XXXX i got confirmation it was paid i have the screen shoot to prove it
Product: Checking or savings account

I received an offer from Citibank, which stated I was preselected for a XXXX XXXX  mile bonus if I opened a Citibank Checking Account and completed qualifying activity. I completed the qualifying activity on XX/XX/XXXX. The terms clearly state that the miles would be deposited, at most, 30 calendar days after activity was completed. 

I contacted Citi once on XX/XX/XXXX to confirm that the activity had been completed. I contacted them again in late XXXX to confirm, when they said it may take an additional 60 days to receive the reward, which was a red flag because this is clearly materially different from the reward terms and conditions.
Product: Credit reporting or other personal consumer reports

I have inquiries on my transunion credit repair. 

Inquiries 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 XXXX
Product: Credit reporting or other personal consumer reports

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

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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

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

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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed account : XXXX XXXX XXXX Balance Owed : {$2600.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Product: Checking or savings account

Please see attached -- -for complete information What Happened. 
On XX/XX/XXXX a check was mailed by a XXXX XXXX XXXX to BMO bank at Mortgage servicing XXXX XXXX, XXXX .The bank deemed it as fraudulent. They sent me the check ( exhibit XXXX ). I noticed a different lender on it not BMO. Apparently BMO sold the mortgage to XXXXXXXX XXXX XXXXXXXX. BMO did not give me any notice, which is required as 15 days before they entertain another holder. 
The fraud Department got involved and a XXXX XXXX XXXX XXXX XXXX XXXX called and said they were locking the accounts-which is the equity, a personal, a business, and charity account along with this. I informed her that there was NO fraud ever on the other XXXX accounts. She said the bank will close the accounts on XX/XX/XXXX but gave me the option to close before that date.They informed me that my computer was hacked and had to be cleaned and showing me proof and after that all XXXX accounts would be opened, verbally.The fraud department changed my equity account number from XXXX to XXXX the supposedly fraud check copy was sent to me on XX/XX/XXXX and reflected the old account number ending in XXXXExhibit 1. I complied with the banks request to clean my computer. ( XXXX ) Exhibit 8 but there was nothing whereby someone could hack into it. XXXX XXXX send me a letter dated XX/XX/XXXX which stated the closure of the other XXXX accounts ending in XXXX personal, XXXX -charity, XXXX Exhibit XXXX. On XX/XX/XXXX a letter from BMO bank was sent to me removing the restrictions Exhibit 3. It stated there the restrictions were removed after they reviewed it on ACCOUNT ( S ) Plural, Exhibit XXXX. No specific account numbers were shown on that letter. I took the letter to the XXXX XXXX and dropped it off with a XXXX XXXX XXXX XXXX ( Retail Relations manager ) copy of his card Exhibit 4. He said he would fax it to XXXX XXXX, fraud department. He said he would call me -- -he never did. I drove to the branch with my wife and he said the restriction removal was for the personal account.only? He said the charity account was open and never touched but business account is still locked? He said he would open a new personal account -- which he did, with new debit cards. But NO online access? and the new account would be closed on XXXX XXXX? I asked him, why then did you open a new personal account and he had no answer.? He became very rude bluntly saying " Good Bye XXXX "!!? I was handled extremely poorly by this bank with no transparency. They are linking me to fraud on the equity account. The accounts were opened since XXXX.
Product: Debt collection

Company contacted me at my place of business and continued to call until they got me to agree to debt and agree to payment plan. They then reverted from no interest to interest on debt. Afterwards they have no served me for a lawsuit. They have been also verbally abusive at times on the phone and very rude.
Product: Credit card

PayPal misled customers into signing up for lines of credit they never wanted In XXXX, PayPal ( PYPL ) was ordered to refund {$15.00} XXXX to customers and pay a {$10.00} XXXX fine after the CFPB found the company had illegally signed people up for unwanted credit. Many who thought they were signing up for regular PayPal accounts unwittingly registered for lines of credit through the company 's lending arm, according to the CFPB. Some people only found out when they started getting debt collection notices for past due amounts or found evidence of the new account on their credit report
Product: Debt collection

I received an email from CEDARS Business Services on Friday, XXXX, XXXX at XXXX PM EST. In the email, Account Manager, XXXX XXXX, states that I have a past due balance of {$30000.00} from XXXX XXXX XXXX  which is located in the XXXX XXXX. The account manager is assuming that I knew the account was in collection and that they had sent me other emails about this fraudulent account. First, of all, this is the first email that I received from them. Second of all, I never took out a loan for any money with this bank or any other and left the XXXX with XXXX balance with my XXXX XXXX XXXX  account. I have the last statement from this bank dated XX/XX/XXXX. It states all the transactions that have been carried forward and it states XXXX balance. I wasn't able to close the account before I left but the last information I have clearly states that I owe the bank nothing. I believe that someone else has either committed fraud or used my name in identity theft because I have no knowledge or responsibility for the debt they say I owe and are attempting to collect. I have asked them to stop all communication with me and with this email, address or otherwise and I have recorded a dispute with XXXX. XXXX removed the hard inquiry that they had recorded on my credit report as of XX/XX/XXXX. My statement is that when I left the XXXX as an XXXX in XXXX in XXXX, I had not taken out a loan at all and had no outstanding debt. This company has not provided a debt validation letter ; just, a file # XXXX and a balance of {$30000.00} which is completely erroneous and implies that someone has been using my name or credit without my knowledge which is considered either fraud or identity theft. The email I was sent is from XXXX and does not have an letterhead address from the company on it which I found strange even though XXXX business service is listed in XXXX as a registered debt collection agency. I did XXXX their address ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, California ) and I plan to follow up within the 30 day period from when I received the email stating what I just told you and request that they do not contact me about the referenced debt, in compliance with the Fair Debt Collection Practices Act. I dispute having any obligation for this debt and have NO knowledge of it.
Product: Credit card

Elon Financial Services manages my XXXX  credit account. I have authorized " Auto Pay '' to be processed through my checking account. I receive a statement monthly for my balance due. On several occasions the company has received a credit from a vendor which occurs after my statement has been sent. They do not send or notify me that they will apply the credit when my auto pay is collected. When the amount of the auto pay is different than my statement, I have to call my credit union for the amount. This is an adverse system that affects my ability to correctly balance my checking account. 
My XX/XX/XXXX bill was billed for {$2500.00} on my statement but only {$1300.00} was collected. Elon Financial received a credit on my XXXX XXXX account of {$1100.00} after my XXXX account closing date but as it was received before my payment was due they applied the credit to my amount due on XX/XX/XXXX. The XXXX charge was then listed on my XXXX bill in the amount of {$140.00} which significantly affected my payment due on XX/XX/XXXX. This system affects my ability to budget for my XXXX charges and could not be employed if I were mailing my payment.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$190.00} for RS Clark Associate. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Product: Debt collection

XXXX XXXX Pre-trial Center phone number:XXXX Called me on XX/XX/XXXX and notified me of an overdraft debt to Us Bank from XXXX. 
talked to a nice lady she notified me of the debt and I said I would call her back. I called Us bank imminently afterwards and they can not pull up the debt, and are not perusing the debt. I called the collection company back and request written notice of the debt and they gave me my address and the past 2 addresses I've lived at and said I have already been notified in the mail. ( Which I have not ). I  then asked for them to verify the debt with us bank and he basically refused. I also told him what us bank told me about not being able to access the account since its been 13 years. he went on a sepal about thats because the debt was sold. again i asked him to verify the debt he said he did not need to and that they will see me on Friday when they serve me for defrauding a financial institution. I again asked them to get a hold of us bank and he went on a tangent and i said Fine go ahead and sue me because in Ohio the statue of limitations on suing for debt is 6 Years he incorrectly said its 7 years. the debt is from 13 Years Ago! they did not even give me the amount owed.
Product: Vehicle loan or lease

I was about to be XXXXXXXX XXXX XXXX XXXX and the vehicle was having transmission issues, I told the bank to come to repossess the vehicle and cancel the loan
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : collection/Charged Off XXXX XXXX XX/XX/XXXX {$180.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$4000.00} Inquiries XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This debt collection company " Collection Management CO '' is being falsely reported on my credit report, as well as showing a past due balance which is against the FCRA ad i want them removed from my credit reports immediately. It opened on XX/XX/XXXX, and has already been removed from XXXX, but not XXXX  and XXXX. 
Its amount is for XXXX and showing an open balance on XXXX, while past due on XXXX