23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

My wallet was stolen at my gym and inside of it was both my XXXX credit and debit card, my license/SSC and my XXXX XXXX XXXX credit card. I informed my gym that my wallet was missing but, nothing ever turned up. Shortly thereafter I started receiving email notifications of unusual activity but, this was in between XXXX XXXXXXXX being taken over by XXXX XXXX and I feel as though my issue fell through the cracks ; it was very difficult to get through to their customer service due to all the changes they were making and I would respond to emails marking charges as suspicious but, the only response I would get was to call in. The unauthorized charges still persisted, that is until charges were made out of state. Once the out of state charges came XXXX XXXX finally locked my card. There are multiple charges out of state. I started receiving packages, here and there, from places I had not shopped ; I contacted vendors informing them of the fraudulent purchases yet, they refused to work with me and pointed me back towards my financial institution. I have returned the few unauthorized items I received AND I STILL HAVE NOT BEEN REFUNDED. Ive called MULTIPLE times to get the matter straightened out ; Ive spoken with agents who are all telling me different things, some say we need to reassert the disputes to rectify the situation others are saying they can reassert the transactions but, nothing will change. I speak with managers who are rude who conveniently have computer problems and can no longer help me. The reason my address is on these purchases is because my license was in the missing wallet. My SSN has already been used to fraudulently open an unauthorized credit card. I will not be held responsible for the EXCESSIVE and clearly FRAUDULENT charges on this card. I never wanted a credit card with XXXX XXXX and this is why! XXXX XXXX has horrible customer service, they insinuate a charge is mine because of an address. I have documentation of emails with vendors that can not locate these transactions because the personal information I am providing doesnt match the transactions madeso how can they be mine and I be the one held responsible??? I have filed a police report for identity theft, fraud and I had to buy a new license. XXXX XXXX needs to stand behind their customers!! This is negligent ; XXXX XXXX has NEVER treated me this way and situations like this make me regret continuing to do business with XXXX XXXX. This company doesnt have heart or morals. Instead all theyve done is run my name into the ground and mock me by letting someone ( s ) get away with stealing. 

I was informed that my SSN has been used to open up fraudulent credit cards. This is a legitimate problem, someone is using my credit cards and address to make unauthorized purchases. I have filed a police report and this matter needs to be rectified with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was horrified to see inaccurate accounts on my credit report this morning. I have no clue how this could have happened. I'm usually so careful when checking my credit report, but today, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was just a technical issue, but the errors remained. I'm really disturbed by this, and I'm requesting that the documents I've sent be reviewed thoroughly to prevent this from happening again.
Product: Bank account or service

Santander Bank 's lack of transparency and customer service is detrimental to the consumer. Specifically, the information provided on my money market account lacked accuracy and timeliness. The interest rate, which I understand can be changed at anytime, is not communicated until the monthly statement is released and in this instance it was incorrect. As such, the first communication of the rate appears on the monthly statement. Since I am able to calculate daily interest rates myself, I monitor the account on a regular basis. From XXXX XXXX to XXXX XXXX, I noted a change in the interest rate. I phoned the branch and they told me the rate was reduced XXXX % ( from 1.25 % to .75 % ). They could not tell me the actual date. That same afternoon, I phoned their customer service. I spoke with XXXX XXXX, who told me the statement was produced on XXXX XXXX but was not yet available online. He expected it the next day and agreed to call me the next morning. On XXXX XXXX, when I did not hear from XXXX XXXX, I telephoned the service center and spoke with XXXX XXXX. She told me the statement was produced and the rate appearing on it was 1.25 % ( how could this be if the rate had been changed to .75 %? ). XXXX XXXX, during our conversation, told me she was having a problem with her computer and would call me back in five minutes. She never called back. Several hours later, I called the branch ( XXXX XXXX XXXX ), expressing my anger and disappointment and stating I needed to hear from someone in authority at the executive offices. I have not. Bottom line, one would be over one month in arrears in knowing actually what they are earning on their funds. This is good for the bank but unfair to the customer. Santander should update the account website with the interest rate being earned. They already show a vast amount of other pertinent data. One could conclude they do not want the customer to know.
Product: Vehicle loan or lease

Have to many hard inquiries from 2 years ago when purchased vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a dental bill in XX/XX/XXXX for approximately XXXX. I had 2 insurance carriers on file with the dentist and followed up in late XXXX to ensure the bill was taken care of by the insurance carriers. I was told at that time it was paid in full and no other payment was required. I never heard from the dentist again. Without any correspondence, I received a call from Capital Accounts LLC in late XXXX notifying me I had a XXXX debt with the dentist office. I let them know that account was paid in full over 2 years prior to their call. They refused to provide me documentation of the charge or the insurance payments and have continued to update the credit bureaus with the delinquent charge. I switched jobs and relocated and have different dental insurance and have had difficulty getting information from the previous dental carrier since the service provided was so long ago. Capital Accounts LLC again updated the credit bureaus this month of the delinquent charge making it look current. I don't see a way to get this resolved and do not intend to make payment for old unsubstantiated charges.
Product: Checking or savings account

On XX/XX/XXXX, I opened an account with US Bank. I had signed up with the summer promotion they had. I opened it up with the promotion code. As a criteria for the promotion, I had direct deposited {$500.00} from my paycheck on XX/XX/XXXX XXXX. These were done within 60 days. 

I had submitted a secure message to the company regarding the issue. There are no dates since I can not find the original message sent. However, I did receive missed calls and eventually a letter from XXXX XXXX, a Customer Care Specialist. They stated that I have met the requirements for the {$200.00} promotional credit and would be credited after XX/XX/XXXX 

OnXX/XX/XXXX, I called XXXX XXXX and left a voicemail. Since then, I have not received the credit nor a call back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX - XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$49000.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX by phone and mail to remove an item that doesn't belong to me and I have taken further action and I wont the debt removed as there is fraud that was investigated in the past that and I was told by a company working on my behalf that the information would be removed and it yet still appears. 

Dates of unauthorized inquiry XX/XX/XXXX for XXXX XXXX {$300.00} Credit Card agreed to remove from my credit report up to 30 days Date:XX/XX/XXXX {$4300.00} XXXX XXXX  Never Lived here asked for verified documents never received form original company neither heard back from XXXX 

XXXX XXXX - Debt {$2600.00} XX/XX/XXXX opened. Contacted both XXXX and Creditor no corrected actions. Reported on XXXX, Equifax XXXX XXXX XXXX - Debt {$2500.00} XX/XX/XXXX Opened No corrected actions of removal. Reported on XXXX XXXX and Equifax XXXX Debt {$920.00} Contacted by mail and phone Actions was deleted from one credit bureau but not XXXX and Equifax XXXX and company continues to report the information now. 

Equifax Credit Bureau Reports XXXX Debt {$170.00} inaccurate information, also disputed by mail on XX/XX/XXXX no corrected actions of deletion.
Product: Checking or savings account

So I use to have a XXXX cash app accounts but they were compromised and hacked. The last one I had Cash app unknowingly closed it without giving me any reasons as to why. So now when I try to create one they tell me to submit my SSN and correct government information like my name ect. As soon as I submit the information required They tell me that the information isn't correct. I have tried several times to call them and tell them what's going on but nothing gets done. I just want my correct government information approved so I can setup a cash app account or restore my other one they closed
Product: Debt collection

On XX/XX/XXXX at XXXX, I began receiving phone calls on my office line ( which I never provided to Portfolio Recovery or any old employers, since I have not been with this employer long ). Personal calls are not permitted on our phones, so I am facing disciplinary action or possible termination if it continues. 
Since then, I've received multiple calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I reached out via email to ask that they cease and desist contacting me period, but especially at work. 

My credit report does not indicate any past due or collections. All of my credit cards and my auto loan are in good standing.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection Act ( CFPA ). Specifically, Cash app failed 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 reporting or other personal consumer reports

I did not consent, nor benefit from, nor authorize the following account ; Nelnet- {$23000.00}
Product: Checking or savings account

On XX/XX/XXXX19 I logged into my account to check my balance and if check # XXXX for {$50.00} had posted. The check had not been presented but the balance was only {$18.00}. I then initiated an instant deposit for {$54.00} externally through XXXX, the merchant processor for credit payments. Proof of deposit and date attached. Bank of the West ( BoTW ) is a participant in instant deposit and I have previously taken advantage of this service from XXXX with BoTW. When I logged back into the account on XX/XX/XXXX check # XXXX still had not be presented, but my instant deposit was. When I logged in on XX/XX/XXXX, check # XXXX was presented as well as my instant deposit of {$54.00}, however a fee of {$35.00} was assessed. I reached out to BoTW on XX/XX/XXXX and spoke to two bankers before speaking to a supervisor, XXXX. XXXX told me because my instant deposit had not " posted '' until the XX/XX/XXXX, although presented and available on XX/XX/XXXX, I was charged a {$35.00} fee. I asked XXXX if BoTW was an instant deposit participant and she attempted to refer me to their online banking department. I was not sure how that internal department could assist me, so I presented the following scenario : If both my current and available balances were {$0.00}, XXXX, and I initiated an instant deposit externally for {$50.00}, would I have immediate access to the {$50.00} deposit. XXXX 's reply was " not necessarily '' which seems to imply there is some degree of ambiguity in how BoTW makes funds available and fee assessment. XXXX then confirmed that the information provided was the extent she was able to assist me and did not reverse the fee. I asked if I could the dispute the fee said no. When asked if BoTW was self-governing XXXX attempted to refer me to my branch manager. I asked if the branch manger would present the same unresolved conclusion XXXX said yes. I asked one last time if BoTW was not self-governing how can I dispute the fee and XXXX deflected the inquiry as asking " legal advice '' about outside agencies that govern BoTW. As of XX/XX/XXXX19 the {$35.00} has not been reversed. Attached image shows two other instant deposit transactions that were used to avoid insufficient balances.
Product: Checking or savings account

Hi there, I am a XXXX XXXX XXXX XXXX XXXX  and I opened a new Chase Checking account in-person at a branch in XXXX, Arkansas in an attempt to open my first bank account that was separate from a joint account I share with my parents. 

I made my initial deposit on XX/XX/2024, by way of a personal check in the amount of {$4600.00} that was comprised of my student-loan funds that were dispersed to a separate account. 

Presumably because the initial deposit was a personal check in a large amount ( {$4600.00} ) to a new account, the funds from the check were held, and by the time I was notified via mail that the funds needed to be verified, my account was closed. The check was written by my significant-other, who is a long-time Chase customer and verified the personal check he wrote by way of a phone-call from a Chase representative. When I went back to the bank branch on XX/XX/2024, I opened a new account with {$100.00} cash, and that account was also subsequently closed. Both funds have been returned to me by way of a mailed check. However, I have been informed over the phone that Chase bank has chosen not to do business with me and will not allow me to open a new checking account or credit card. The bank representative informed me that this " ban '' would last at least five years, but would likely last forever. 

I am reaching out because, especially at the inception of my career ( I XXXX XXXX XXXX XXXX last month and will be practicing law in XXXX XXXXXXXX as of this fall ), I really hoped to do business with Chase bank as my bank of choice. However, through no fault of my own, I am somehow barred from doing business with Chase. After countless phone calls with customer service representatives, I have not gotten an answer as to why I can not open an account. Not only am I interested in banking with Chase, but I am interested in several of Chases credit card offerings and other financing opportunities. It is my understanding that I am barred from these products and services as well. 

It is my hope that as a result of this communication I will be able to remedy this situation. I hope to bank with Chase and utilize Chase Credit Cards and Financing opportunities, and at this time, I am unable to do either of those things. 

I thank you in advance for your help, and I appreciate your attention to this matter.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/18 I logged into my XXXX account and tried to withdraw my balance of {$350.00} to my connected XXXX bank account. I received an error message, something to the effect of " withdrawl failed. '' I then emailed the skrill support at XXXX to alert them to the problem. I then ultimately received an email on XX/XX/18 whereby they informed me that my account was getting closed. They didnt really give me a reason other than quoting some of their terms and conditions etc. I assure that no fraud was committed by me in any way. I have no idea why they closed this account. I want an explanation and at a minimum I want the {$350.00} that was left in the account.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I initiated an external account transfer for {$1500.00} within the Bank of America Prepaid App. I have used this account a few times over the last decade, since the Employment Development Department here in California requires that all claims are paid to a specific type of prepaid Bank of America Account ONLY. My first time using my account was XX/XX/XXXX ; I enrolled in XXXX XXXX XXXX  through the XXXX department of the EDD when my daughter was born. It was during my first enrollment that I had used a XXXX XXXX Checking account as the linked external account, solely for the purpose of being able to transfer and access my funds. When I transferred money XX/XX/XXXX, the Bank of America system reverted my then-recently updated XXXX XXXX  Account back to XXXX XXXX, and it transferred the money with just one click ( it didnt allow me to review the details at all ; it didnt even ask me to confirm the request. It just sent it, and luckily I noticed the last 4 digits of the account were NOT correct. I called BofA immediately, and was told wait a few days and the money should come back to the account. Well, the money never showed back up. I finally filed a real complaint XX/XX/XXXX and it has been more than 30-45 business days that I was told was needed for the claim investigation. I also requested a copy of the investigation file, since I have never received any correspondence whatsoever in any format from Bank of America, either electronically or standard mail, and I needed some peace of mind. The last time I spoke with someone from BofA, I was told that the funds would be returned to me in just a couple days. Help!!! I want my money back!!!
Product: Checking or savings account

I have already filed this information with my lawyers and the banks. I expect the federal government to do its job this time and investigate the fraud that was perpetrated by Bank of America and its employees. Immediately.
Product: Credit card or prepaid card

I woke up and saw that my cashapp card was used for 3 transactions while i was asleep. I immediately emailed cashapp support and attempted to file a dispute. 

I was given the run around as the screenshoots and emails i printed and attached show. 

XXXX claimed in a email that my account was going to be credited provisionally for the transactions. However the credit was never applied. 

I asked about the credit to which i was tpld to wait 1-3 days. i asked again and was told that the credits are on my account but are not displayed and i will not have access to the money until the dispute is complete in 45 days. I was also told to not inquire about the disputes again. 

This is not the first time cashapp has mishandled disputed transactions.
Product: Debt collection

I have already filed an initial complaint on the debt company XXXX XXXX. That one is still being worked out. This complaint is on the law firm they are using O & L law group. I was contacted out of nowhere about threats of a lawsuit about a debt. There was no confirmation of the debt. No payment arrangement or anything. Just straight to the lawsuit.I am the victim of identity theft and I had multiple fake accounts opened. If this debt is legit it could be one of those. But there is no way to confirm. This law firm is known for shady tactics. Do a XXXX search on them and you will see a XXXX star review for this law firm. They are known for threats, shady tactics, and basically stealing your money for a debt that is minimal, maybe old, or may not even be yours. This firm needs to stop.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my re
port immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card or prepaid card

I first opened my ( secured ) Capital One XXXX card in 2019 with a {$200.00} limit. About two years ago I called and asked to raise the limit by depositing more money, which was not allowed more than 30 days after opening the account. I recently learned that Capital One will 'graduate ' a secured card into an unsecured card after 6-12 months and good payment history. This would allow me to gradually get credit line increases, since a secured card can not be increased. I have had the card for nearly 4 years and have a perfect payment history, but when I called Capital One to request that the card be upgraded to an unsecured card, my request was denied and I was instead told to keep making on-time payments.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report I would like to have them removed from XXXX, XXXX, and EQUIFAX.
Product: Debt collection

I did not get full disclosure of contract from from third party service. I did not commit to a contract not did I receive any notice about the reporting of my information. I did not authorize my information be released or to be reported to Credit Bureau. This has damaged my credit and score.