23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

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

In accordance with the Fair Credit Reporting Act, the following companies/accounts have 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 an account without my written instructions. 

Proceeding, below are the accounts in which have violated my rights. All of which took hard inquires on my credit on ( XX/XX/2021 ) XXXX XXXXL Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX XXXXXXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX  Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX number ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX number ( XXXX ) XXXXXXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX
Product: Checking or savings account

To be honest, my banks security is lack luster at best, I have a feeling that they are not honest about what is really going on in the background with compromised situations. And when you contact them, they give you what I beleive to be false information. My account has been compromised several times, and I have asked for a new account because it seems like someone is watching my account for big deposits, and they continue to say your safe, which I dont beleive. Flagstar Bank is the worst at being truthful with their customers and I have had enough.
Product: Credit card

Incorrect information on my credit report with 2 closed accounts with Capital One balanc of {$460.00} Opened XX/XX/XXXX closed XX/XX/XXXX & another capital one account balance of {$150.00} opened XX/XX/XXXX closed XX/XX/XXXX.
Product: Checking or savings account

ROBINHOOD, a trading platform / bank account provider, is stuck into the typically American banking institution nonsense of " sending SMS messages to authenticate logins ''. When attempting to access my account, I get a " we'll send you a code by SMS '' message and I CAN NOT proceed further because I do NOT use SMS messages- I have a LANDLINE telephone. This results in a catch XXXX - CAN NOT log in and access account, CAN NOT change or delete telephone number and CAN NOT reach company because they DO NOT respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX XXXX XXXX and Transunion that I am ( 30 60 ) days late on the XXXX XXXX CU partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind it would be impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX XXXX to resolve this however, I have not been successful.
Product: Debt collection

i never did any business with these companies XXXX XXXX and trident asset management i would like to have these tow accounts deleted from my credit reports a identity theft report has been filed
Product: Checking or savings account

My account was either hacked or someone stole my debit card info. I had money save in my account that I was barely touching because I was getting me a house. I left my card at XXXX is the only thing I could think of to how my card could fraudulent charges. But looking in my account the fraudulent charges goes back as far as XXXX where someone kept trying to take XXXX dollars out my account. I had my debit card in possession while these charges was being charged to my account. I NEVER TOLD THEM MY CARD WAS STOLEN. I told them it was misplace. I ended up locking my card because I couldnt find it then end up finding it. They try to say someone was using the pin to make purchases and purchases was made on apple pay which o never saved that card to my XXXX XXXX. I asked to close the account entirely and open a new one. I was denied the option and they said it was just the debit card. They opened my claims and a couple days later closed my claim and added the purchases back to account. My account is still getting charged from food lion, a store I dont go to! Someone tried to open a chase credit card in my name where I had to lock my credit. Its also showing my account is sharing access with lenders. I havent applied for any loans due to me trying to buy a house. I will sue them if this issue isnt resolved. Im out of almost XXXX dollars. It shows atm withdrawals and everything. I just want this rectified so I can close the account. None of this started happening until I started banking with chase! I have proof of them sharing my information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is sharing my information without my consent to insurance companies, this is illegal, and also in accordance to the FCRA law I would like to clear my report from any adverse action that are making my premiums high.
Product: Checking or savings account

Bank of america close my accounts did not get a reason I still do not understand
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a recent copy of my consumer credit report and noticed some unauthorized inquiries that I did not authorize nor benefit from. Please block and remove this fraudulent activity from my credit report as it hinders me from moving forward in my life and also damages my general reputation.
Product: Prepaid card

XX/XX/scrub>XXXX  Attempted to make a purchase at XXXX and entered this card for payment ; it was declined. 
XX/XX/year> Attempted to make a purchase on XXXX and entered this card for payment ; it was declined. 

All other online retailers I attempt to use the card to purchase anything, have been declined even though the balance is full and available.
Product: Debt collection

They keep calling looking for my mother, This is my home my phone #, I told them take my number off your call list and never call me again. The first person just hung up on me, They called again I talked to a supervisor told her the same, Do not call, wrong person, wrong number, she asked if I was a lawyer, made a " scuff '' sound in the phone and hung up. Got called again, and spoke with a XXXX XXXX, asked her if any notes on the account mention not to call. She just hung up on me.
Product: Checking or savings account

Someone was using my XXXXXXXX XXXX and card to purchase stuff on XXXX. It wasnt me who made those purchases, but they refused to give me my money back which is over XXXX dollars. Someone was making those purchases on XXXX on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated me federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. Account Name : XXXX XXXX Account XXXX : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXXk XXXX  XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : The XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 5. Account Name : The XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 6. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 7. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 8. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting, credit repair services, or other personal consumer reports

there are fraudulent information on my credit report : Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reached out to Wells Fargo Bank to investigate and secure a refund for several fraudulent charges that appeared on my account. However, I was informed that, according to XXXX regulations, they have the right to deny my request. In an effort to better understand the reasoning behind this decision, I asked for a copy of the specific XXXX  regulations that support their stance. Unfortunately, I was told that Wells Fargo would not provide me with any documentation to review. 

This lack of transparency raises a significant concern for me. Without access to the documented regulations, I feel powerless to dispute these unjust charges and fight for the funds that were taken from my account. If a financial institution is citing a regulation as a basis for their decision, it should be their responsibility to make that information available to their customers upon request. This is essential for verifying the legitimacy of their claims and empowering customers like myself to understand our rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account NORDSTROM/TD BANK Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that NORDSTROM/TD BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

I had an auto car loan with Capital One Auto Finance. On XX/XX/XXXX a {$20.00} late fee was assessed. On XX/XX/XXXX, I paid {$110.00} partial payment. On XX/XX/XXXX, I traded in my XXXX XXXX XXXX to a dealership. The dealership sent Capital One Auto Finance a check to pay off my auto loan on XX/XX/XXXX. The check did not post until Friday, XX/XX/XXXX. On XX/XX/XXXX is when Capita One Auto posted the payment to my account. I was notified by email on Saturday XX/XX/XXXX after business hours that the account was paid in full. I tried calling Capital One Auto Finance to discuss waiving the {$20.00} late fee however, the service center was closed. The dealership advised me it would take 14 days for Capital One Auto to receive the payoff which would take me Monday, XX/XX/XXXX. On XX/XX/XXXX, I contacted Capital One Auto Finance at XXXX XXXX  to waive the late fee since the loan was paid off early. Capital One Auto is telling me since the loan was paid off, there is nothing they can do about the refunding the late fee. They are sending a {$34.00} overpayment but can not refund me the {$20.00} late fee? This is a finance company, they can do what they want.
Product: Money transfer, virtual currency, or money service

i invested with a broker and sent money by wire transfer but the sccamer took my money i went to the bank to try to get help they did not do anything they told me was my problem
Product: Credit reporting or other personal consumer reports

This was my sixth time to complaint to you, to inform you that I want to do a follow up in the status of my request to remove these remaining inquiries in my XXXX and Equifax Credit Reports. I was hoping eagerly expecting that in my next update of my mentioned credit reports, I am expecting that these listed inquiries here will no longer be present in my credit reports : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

on the XXXX consumer reporting website, they have my name written in multiple different ways, and none of the names actually matches my birth name that's on my ID card. I have contacted XXXX through telephone 4 times in the last 14 months about it but they never fixed it
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a person loan with One Main Financial in XXXX of XXXX in the amount of {$10000.00}. I've paid so far approximately {$9200.00} since XXXX and my current balance is {$10000.00} as of XX/XX/XXXX. During the term of the loan, I've applied for two hardships in XXXX and XXXX, which at the time I was to pay only the interest of {$160.00} for three months on both occasions. ( {$1900.00} ). I have requested a copy of my terms and agreement and payment transactions. The interest on this loan is 24 % and so far, I have paid more than 100 % of the original loan amount. A loan for {$10000.00} with a 24 % interest should be calculated at approximately {$2400.00} in interest fees. In addition, One Main Financial also advised me that I needed to add a title loan to secure the personal loan, which my car title is temporarily owned by this company until I pay them another {$10000.00}. I am extremely concerned about this personal loan and at this present time, I should only owe approximately the interest fees since I've paid out {$9200.00}. I spoke with XXXX at One Main Financial, and she stated the loan will continue to accrue a daily interest amount of {$6.00} and the loan is scheduled to end XX/XX/XXXX. In addition to the 24 % interest fee, I will have to pay {$4800.00} in daily interest fees.
Product: Student loan

My loan is overseen by the lender MOHELA. They, without my permission, placed my loans in forbearance in XX/XX/year>. I do not want my loans in forbearance because I will be responsible for all of the accrued interest. The only way to release my loans from forbearance is to call MOHELA. I have called them several times and each time got an automated response to hold. I was only hold for XXXX hours XXXX time without anyone answering my call and just last week I was told in the automated response that my wait was XXXX hours. I waited XXXX hours without anyone in customer service picking up my call. I need to speak to them about the repayment of my loans immediately and no one answers the phone. This is unacceptable as I am a paying customer and they are holding my loans hostage in forbearance while charging me interest in the meantime. I should be able to speak to someone in regard to my loans that they service. Their customer service is nonexistent and there are complaints all over XXXX about them and this issue. Please help me to get assistance. This is not professional and unethical.
Product: Checking or savings account

Initiated an online bill pay to the local church choir for {$670.00}. two months later the church indicated they did not receive the check from the bank although the account indicated the cash withdrawn from our account and payment issued. Called the bank of XXXX XXXX and requested a stop check. They issued a stop payment on XXXX, XXXX and the bank did a stop payment, charged our account a fee of {$30.00} on that day and sent an email confirming the stop payment. However, as of XX/XX/year> the bank had yet to credit our account for the {$670.00} dollars. Called the bank and after a couple of transfers, was referred to investigations who initially indicated the money ad not been withdrawn from the account, which after a brief discussion agreed that it actually had been withdrawn during the inline bill pay process, BUT, I would need to file another claim to request my money be returned. That had no explanation as to why my money was being held nor why an additional claim needed to be made, investigated and approved. I have filed another claim and also requested that the stop payment fee be returned since they did not also return my funds for nearly two weeks. I was informed that was another department and would have to call them to request. And the only reasons I have a fee is I was closing my accounts with Citi and they down graded my status. So have now been inundated with fees which appear punitive given account closing. In closing the account I transferred the money to my new bank and was charged a {$25.00} wire fee, I transferred money back in to cover the XXXX fee and then was charged a {$15.00} fee to move money in that I am only moving in to cover the fee! I then was hit with the {$30.00} stop check fee and two weeks of trying to get the remaining {$670.00} from the bank. The account is overdrawn due only to fees at this point as I am waiting for the return of my funds. I would not be surprised to see an overdraft fee hit this account next as well as a negative credit indication which would be entirely their issue.
Product: Debt collection

This collection company " clx systems '' seems like a fake company. Their website has a phone number, XXXX area code, that is disconnected. I tried a second number, XXXX, that is an automated system that just bounced me back and forth trying to sell me different products. I 'm starting to think this company is not real. All i want to do is pay the debt so it can be removed from my credit report but there is no way to get a hold of this " clx systems '' collection agency.
Product: Checking or savings account

To Whom It May Concern : This correspondence is to address multiple garnishments from an established business checking account with Bank of America. 

Bank of America applied a second offset charge in the amount of {$1600.00} posted on XX/XX/23 to satisfy a delinquent Business credit card payment. Initially, an offset payment was posted on XX/XX/23 for the amount of {$170.00}. 

Once the first offset payment occurred, I contacted Bank of America and was informed by a representative that this charge was erroneous and that a Bank employee could not make a credit card payment without my authorization. During this contact, I filed a complaint with the representative to have the payment reversed and funds reapplied to my account. After this encounter, I never received any further correspondence providing the outcome regarding this complaint. It was not until the second offset that occurred on XX/XX/23 that I learned from Bank of America employees this garnishment occurred and will continue to do so to satisfy the credit card debt. 

Please kindly note multiple attempts were made to Bank of America to make suitable payment arrangements to stop the progression of collection efforts. Bank of America refused to lower payments with a reasonable and realistic payment plan. Further, Bank of America failed to provide any notice that garnishment would occur. It is noted on my account with Bank of America, I acknowledge and made several attempts to rectify this debt accordingly. At the recommendation of a supervisor, I wrote an email correspondence to the escalation team for assistance. Since this correspondence was sent shortly after the XX/XX/23 occurrence, I have not received any communication from Bank of America seeking to resolve this matter.