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

XX/XX/XXXX I was food shopping using my ATM card at self-checkout. I was notified by bank of America that a {$1000.00} was withdrawn from my checking account and a purchase of {$900.00} was made at a XXXX. I did neither. Was refunded for those. On same day in XXXX different transactions, XXXX withdrawals were made from my savings account. XXXX for {$3600.00} and XXXX for {$4600.00}. I did not do either. I have never withdrawn large sums of money using my ATM card ever - been with bank over XXXX  years!! They denied that claim. Said I made the transactions or gave permission to someone. I did not. Second letter said I did not exercise care to safeguard my account. The self-checkout machine at store does not provide any security in entering one 's pin number. Anyone watching could have memorized it. Also leaving the store, I was distracted by a man asking directions using his cell phone. With the sophistication of criminals today, it's possible my card was scanned in some way. Or I dropped it. I have no idea. I have a hearing problem so if dropped I did not hear it. Bank notified me of transactions, I put in a claim, few days later put in a police report. Have notified State 's Attorney General 's office, Added a complaint to Federal Trade Commission. Attrorney General 's Ofc looking into. I've gone back and forth with Fraud Department for over XXXX months. Will not let me speak to investigator. No one can give me answers. A second fraud occurred XX/XX/XXXX. Believed I was speaking with someone at Fraud Department. He said he was a supervisor there and was going to help me resolve claim. Asked me all kinds of questions such as DOB, address, phone number, accounts, cred card info etc. I gave it all. Said he would transfer me funds from XXXX XXXX. Asked me to set up an account and he would try to send {$1700.00}. Didn't happen. Said he would call me back - didn't happen. After that I realized I was scammed again. Be trying to talk with Fraud Department about this too. left on hold long periods of time. They haven't returned call. I have all alerts on accounts, credit agencies accounts are frozen. I don't believe he is able to get anymore funds.
Product: Bank account or service

I received a check from  XXXX   XXXX  for approximately {$7000.00} for vehicle repairs. The check was made out to myself, my wife and the body shop where we received an estimate.   My wife and I had not made a final decision regarding the repairs. We had planned on finding a more competitive estimate.   We deposited the check in to my  Regions Checking Ac count. Regions not only froze the check ... but my entire account. They told me it was improperly endorsed due to the fact that the body shop had not signed the check. This has been going on for ove r 3 week s. According to  XXXX   XXXX  ... Regions has CASHED our check. The insurance company is willing to re-issue the check but must get it back from the bank first. Regions is refusing to return it and telling me I must physically bring a representative from the body shop in to the bank to endorse. Once again ...  XXXX   XXXX  is saying the CHECK HAS BEEN CASHED. It would appear the only party benefitting from the insurance settlement is REGIONS BANK at this point. I want regions to clear that check ... and deposit in to my account and stop holding my money  hostage. They  should not have the right to CASH the check and hold the funds. If there was a problem ... they should have returned the check NOT cash it and HOLD THE MONEY earning interest. This is upsetting to me and I feel like the bank has overstepped their powers ... and is acting like they get to decide things they have no jurisdiction over. Give me my money. I will worry about the body shop and state farm and my personal business.  Three weeks  is ridiculous. Time to move on. If there was concern about the endorsement ... enough time has now passed to clear the check. Please contact  XXXX   XXXX  at Regions Bank in  XXXX , GA.
Product: Credit card or prepaid card

To my knowledge, I was never late on my XXXX XXXX credit card with account number XXXX. But I realized that I was reported as being 30 days past due in XX/XX/XXXX which is not true. I have had this credit card since XX/XX/XXXX with no late payments and not sure why all of a sudden I was reported late. To my knowledge I have always have 100 % positive payment history and have not only tried to pay way before my due date, but also have tried to pay more than the minimum amount. I am on XXXX XXXX in the XXXX XXXX and this late payment is really hurting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and XXXX XXXX are reporting on my credit files. These loan belong to a family member. If XXXX XXXX had contacted me regarding loan payments. I would have paid instead of letting them hit my credit. They never contacted me and the owner of the loans we never contacted either being that we have the same mailing address. According to the credit bureaus policy. These account fall under XXXX XXXX so I am requesting complete removal of the accounts period. I owe neither institutions a dime. If the owner fails to pay in the future I will pay to eliminate destruction of my credit. 

XXXX XXXX does not belong to me.
Product: Credit card

On XX/XX/scrub>XXXX XXXX XXXX XXXX  XXXX, I received XXXX emails from Capital One indicating someone applied and was approved for a XXXXXXXX XXXX XXXX using my information. Based on the emails, this person also updated my phone number and billing preferences. This fraud also resulted in a hard credit check on my credit report. 

I have already contacted Capital One, and the card and account have been cancelled. I never had a Capital One account prior to this, so the perpetrator must have had enough of my information to create a new account and get approved for the card in my name.
Product: Debt collection

It has come to my attention that XXXX XXXX XXXX ( XXXX ) and XXXX XXXX ( XXXX ) have recently made multiple inquiries for new credit on my behalf. In addition, I have received phone calls from both companies stating that I am passed due on accounts that were opened with an address that is not even a real address ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ). I want to be clear : I have NEVER authorized either of these companies to run my credit or open new accounts in my name. I have called both companies on 6 separate occasions to find the root of this problem and resolve it but their customer service representatives have been unable or unwilling to investigate it for me. These transactions were unauthorized and these businesses should be investigated immediately for fraudulent business practices. Please investigate this matter and correct the disputed item as soon as possible.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TRANSUNION for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TRANSUNION consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TRANSUNION complies with federal law and provides consumers with the necessary proof of investigation. I have submitted a dispute 6 times to correct this issue.

COLLECTIONS 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 XX/XX/XXXX Employment Information : XXXX XXXX Addresses My name on credit reports should only show as XXXXXXXX XXXX XXXX not anything else
Product: Checking or savings account

Years of being charged overdraft fees, especially during COVID 19
Product: Credit reporting or other personal consumer reports

My vehicle was declared a total loss on XX/XX/XXXX after an accident. I was in regular contact with XXXX XXXX, the dealership where I purchased the car, expecting my warranty to be waived and my loan balance to be updated accordingly. 

Despite this, Nissan XXXX incorrectly reported late payments on my credit report for XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 60 days late ). 

Key Facts of the Issue : XXXX. On XX/XX/XXXX, I made my final scheduled car payment. After that, I completed all required paperwork and steps related to my total loss by late XX/XX/XXXX. At that point, I was under the impression that my loan balance would be adjusted accordingly, and no further payments were necessary. 
XXXX. XXXX XXXX did not process the warranty cancellation until XX/XX/XXXX, leaving an incorrect outstanding balance on my loan for months. 
3. Nissan XXXX did not contact XXXX XXXX until XX/XX/XXXX, despite the total loss being reported in XXXX. 
XXXX. The final payment was sent from XXXX XXXX to Nissan XXXX on XX/XX/XXXX, clearing my account. 
XXXX. Despite this, Nissan FXXXX reported late payments to the credit bureaus, damaging my credit score. 

This was not a failure to pay on my part. It was a processing delay between Nissan XXXX and XXXX XXXX. If the warranty had been waived promptly in XXXX or XXXX, my balance would have been adjusted correctly, and no late payments should have been reported. 

Requested Resolution : - Immediately remove the late payment marks for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from my credit report. 
- Ensure my credit history is updated correctly to reflect on-time payments. 
- Provide written confirmation that the incorrect late payments have been removed from all three major credit bureaus ( XXXX, XXXX, XXXX ). 

I have already attempted to resolve this issue directly with Nissan XXXX, but they have refused to correct the inaccurate reporting. If this issue is not resolved promptly, I will escalate further. 

The confirmation of Nissan XXXX 's outreach to XXXX XXXX on XX/XX/XXXX and XXXX XXXX processing on XX/XX/XXXX was provided verbally in phone conversations with both companies. I request that Nissan XXXX review its internal records of customer interactions to verify this information. 

Attached Documents for Proof : - Proof of total loss date ( XX/XX/XXXX ). 
- Proof of my XX/XX/XXXX payment. 
- Proof of a {$0.00} account balance with Nissan XXXX This issue has caused unfair financial harm, and I expect immediate corrective action.
Product: Debt collection

I have contacted this company on 3 separate occasions attempting to get a validation on an inaccurate account they continually furnish. My letters have been unanswered. I filed a complaint with the BBB  requesting this company provide me with a contract or documentation bearing my signature specifying the terms and conditions of this account. Despite my very specific and yet legal request this company has refused to provide any information. In response to my previous request a representative from XXXX XXXX stated their only obligation is to identify the original creditor, the date opened, and the current balance. Clearly they are idiots to put it nicely! If you think that as consumer any company or collection agency can just say you owe without and proof is merely ridiculous. By the FCRA 609 a documentation must be provided. You as a  company can NOT just say you owe and that it it, do you know how much fraudulent activity would occur if this was the case. I am seeking assistance in someone educating and inform this company of the law. I was told hat the loan had been recalled from collections ( not sure what that mean ) I think that was an attempt to misled me. I was also told that debt validation was " on its way ' however I still have n't received anything
Product: Checking or savings account

Opened a TD XXXX Checking account ending XXXX in XX/XX/2022, completed required direct deposit of {$2500.00} in 60 days but never got the advertised {$400.00} new account bonus. There was also a fraud on the account so the TD fraud department set the account to " no check '' status. I went to the local branch and opened a new TD XXXX  Checking account ending XXXX and the local branch agent told me the {$400.00} bonus will be credited to this new XXXX account, but still never received it.
Product: Checking or savings account

I opened an account with Suntrust for 2 of my business. I went out of town and left the account information inside a car I rented. I reported it to the bank and they closed my account. As of date I have not received the funds that was used to open either of the accounts. I called and listed the branch only to get no where. Finally to make me go away they claimed the check were sent and cashed however they went to an address different than that of the debit card which makes no sense. When I asked for a copy if the voided check they put me in an infinity loop of no resolution.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that appears on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, I have the right to hold these company liable for negligent noncompliance if these errors are not corrected in a timely and accurate manner.

The inaccurate information is as follows : The Bureaus XXXX XXXX XXXX These inaccuracies have negatively affected my credit standing, and I request that you promptly investigate the matter. Please provide documentation that supports the accuracy of the reported information or delete/correct the errors immediately
Product: Checking or savings account

I have banked with USAA for more than 21 years. I reported fraudulent activity on my account that occurred XXXX months ago. They came back and stated it was not fraudulent, on XXXX XXXX. XXXX was taken back, on top of the {$XXXX} that I had in the account, leaving me in the negative. I asked them to provide me with whatever evidence they used to determine it was nonfraudulent, and they turned around and sent the exact same evidence I sent them in order to reopen the case. So within XXXX days of me reopening the case, they closed the case. So what took them XXXX months, only took XXXX days ; they clearly did not look at my new evidence at all. I asked them to reopen the case again. They asked me to send specific proof, I sent that specific proof, and theyre telling me it would take another XXXX months to simply review what they asked me to send in order to prove my case. In the midst of the investigation, they are threatening to close the account. XXXX and XXXX is lost to us this year, and USAA  does not care. I asked them for a temporary credit since the investigation is open, and they would not do so. Every day now I am receiving letters from USAA threatening to close the account which is in the negative. I am the victim in all of this, and I just feel as if Im being treated like the criminal. Its so unfair that they should let me go into the new year like this.
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. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 or other personal consumer reports

I disputed a collection acct that was placed in my credit file on Monday, XX/XX/XXXX. I disputed it immediately because the collection company never notified me of this debt after speaking with them on Wednesday the XXXX. XXXX they told me I must pay the account for them to delete it. The original creditor XXXXXXXX XXXX  owed me money. I never owed XXXX because they were overpaid. I had close the account and canceled services. XX/XX/XXXX were still taking payments out of my auto pay in XXXX and XX/XX/XXXX I demanded them to stop, they wait two months and never picked up the equipment and then bill me for the equipment a total of {$1800.00}, I returned the equipment at a mobile store of XXXX was given a receipt of return in XX/XX/XXXX. I was told at that point by XXXX customer service that my bill would be reduced to XXXX and I actually would be credited XXXX  XXXXfor a payment that was not due to be paid, XXXX cleared the bill down to XXXX and then subsequently that started billing me again even though I was not an account holder I discussed this with the collections company I systems who told me that if I paid it, they would remove it from my credit file and send a letter to delete I had disputed this with XXXX two days prior within three days they returned an investigation saying that they verify the information is correct. They never sent me any information on what they retrieved a violation of my credit act. They are required to not only investigated, but they are required to retrieve the information that was verified and send all of it to me, which theyve not done, they actually contacted. They wouldve known that the account was already paid off and settled. I am suing. XXXX and I filed a complaint with the attorney generals office in the state of Pennsylvania for having chased was never owed and Im filing for damages and damage the reputation of my otherwise pristine excellent credit. My prior score was XXXX and it dropped XXXX points because of this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had gotten a hold to my information and purchased plenty of things with my stolen debit and Id card I then had to replace along with other things that came up missing in the aftermath. I thought this was something from XXXX that I purchased from XXXX XXXX for XXXX and maybe they may have gotten the amount wrong but I still didnt understand why it is over XXXX Ive never purchased anything for this much but after looking further into after I been trying to figure out what is this and why is it showing up on my credit report this is an unauthorized charge I dont know where this came from and I would like them to investigate this so I can get it removed asap its putting me in serious debt and its not my debt I didnt do this I dont know what this is and have tried calling XXXX XXXX XXXX after looking up the number online and they never answer the phone I can never speak to anymore I left messages I tried calling another number of theres that came up and I still am not able to speak to anyone
Product: Mortgage

My mortgage company failed to pay my windstorm premium out of my escrow account. I contacted them in XXXX of XXXX when I received a letter asking for payment. Loan Depot told me that this was an error and that they would contact the insurance company for the invoice and get it paid. I also emailed Loan Depot the invoice. The premium was never paid so my policy went default. The insurance company called to let me know that I was no longer covered because Loan Depot never sent the payment. I went ahead and paid the premium to the insurance company directly so that my coverage could continue. A couple weeks later, Loan Depot sent the company a check from my escrow so now the policy had been double paid. I again called Loan Depot to complain and they were extremely unhelpful and incompetent. The insurance company sent me a refund for the double payment however Loan Depot is charging me {$370.00} for the policy going default. It was Loan Depot 's fault that the policy went default. They sent the payment 2 months late and caused my policy to be canceled. Loan Depot is now refusing to take responsibility for their error and refund me the {$370.00}. I never got any communication from Loan Depot stating that they could not or would not make the payment. This whole situation is completely Loan Depot 's fault and they owe me a refund of {$370.00}.
Product: Credit card or prepaid card

There is a discover card that was opened in my name and on my credit report it shows an incorrect birthdate because this card was opened before my XXXX birthday
Product: Credit reporting, credit repair services, or other personal consumer reports

A representative mis guided us on a payment plan to make sure we were all caught up on payments. One month in XXXX was missed but was paid within 2 weeks after the due date, we have made a payment each month but company has said we are past 50 days late and has used our payments incorrectly and inaccurately. 
Also with the law of 15 USC 1681 a, it should be reported accurately if reported at all between purchase of company and customer. The company is 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. 

Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : 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 or other personal consumer reports

I am requesting that the following account be removed from my credit report due to FCRA violations. XXXX XXXX XXXX XXXX XXXXXXXX The creditor could not verify this account, and Experian failed to provide validation of the account. I also submitted my FTC report and my XXXX data breach claim number, and this account was still not removed. XXXX and XXXX have since removed this account. Please see the attached credit report and data breach claim id and remove this account from my credit report.