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

On XX/XX/2019 I received a voice message from Bank of America. The voice message as described by my assistant was as follows : " Hello, this is message is for Mr. XXXX is turning, this is XXXX XXXX XXXX. I'm calling with Bank of America 's Regulatory Compliance department calling in reference to an inquiry that you received from the Consumer Financial Protection Bureau. If you can please follow up with me at your earliest convenience, we need to confirm some information from you in regards to the inquiry no later than XX/XX/XXXX. My direct number is XXXX extension XXXX to my office hours are from XXXX XXXX To XXXX XXXX Pacific Standard Time on once again, this month to be just with Bank of America 's Regulatory Compliance Department. Thank you. '' The caller has not specified any methods of contacting them other than a phone number. Since Bank of America informed me in the past that it does not want to receive physical mail at their address and it does not monitor email mailboxes from which it sends me its messages I have no other options of contacting Bank of America in writing other than this portal. 

The caller from bank of america has not specified which information do they want to verify. They have my mailing address and my email address on file so they are free to send me any requests to verify any information they are not sure about. Meanwhile I would like to inform Bank of America one more time that my preference is not to communicate with them via the use of the telephone. If for some reason Bank of America is not willing to provide service to customer who are not communicating with them via the use of the telephone I would appreciate that they make a public announcement of that fact and include this restrictions into the disclosures of their service terms.
Product: Debt collection

I have been getting threatening phone calls from Allied Interstate about money I owe to someone. Since I DO NOT OWE ANYONE ANYTHING I told these people at Allied Interstate this but they continue to harass and make threatening phone calls. On Tuesday I received another of these calls from someone on my called I D as UNASSIGNED and decided to answer it. I've received numerous calls from this UNASSIGNED in the past but this is the first time that I actually talked to someone. The person told me that his name is XXXX XXXX and after getting verbally abusive toward me he told me that he worked for Allied Interstate, which is a debt collection agency, which I looked up after our phone call. Anyway, I told him I don't owe anyone anything and don't call again. After this call I filed a complaint with the FTC, report # XXXX, and thought that I would not hear from them for a while. This morning at XXXX am I received a call from XXXX, Texas ( XXXX ) from, you guessed it, XXXX XXXX! I reminded him that not only am I'm still on the do not call list and I did file a complaint with the FTC why is he harassing me AGAIN?? He said are you not this person and I said no. He told me that they would not call anymore and then he hung up. This person knew that I did not owe them anything but still continued to call and harass me!!! Please help me in this matter and tell them to stop this continued harassment. Thank you.
Product: Debt collection

I was contacted repeatedly from a rude guy who works fo r Hunter Warfield. I asked that he do not contact me, stop calling but calls continued. I do not have a signed contract with Hunter Warfield.
Product: Credit card

I wanted to stop a payment to XXXX comany listed as autopay on my Synchrony Bank credit card ( JCPenny credit card ) becuase contact number of insuance company was not working. But bank closed my card in place of stoping the payment to the insurance company.
Product: Credit reporting or other personal consumer reports

XXXX is the XXXX amount midland credit management has me in collections for, cant tell me for who or what. Turns out they dont care either. Ive disputed it, they keep putting it on there over and over again.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

I made complaint about XXXX credit card for wrong fully charging me late payment, interest fee's.My Credit Score was XXXX-it drop down to XXXX score But XXXX  and XXXX Never fix my Score on credit report.I want them to raise my Score from this incident up 56 points today. 

XXXXPrint complaint, Submitted to the CFPB on XX/XX/2020 XXXX XXXX  has lower score and it never got fix after XXXX Broken Law and Charge me {$25.00} late fee same day my payment was due, plus interest, but my SCORE Pludjer down hill.Maybe this is wrong place to make complaint maybe XXXX or I am on XXXX XXXX people here Not doing their Job watching out for Tax payers! Why is it everyone as Business can Break the Law and XXXX does Nothing, No-Fine, No-nothing if i Broken Law i had to pay fees ...
Product: Prepaid card

I received Social security XXXX on the third of every month. 
This month the bank returned the direct deposit on XX/XX/2024. I was not notified of this. In fact when I called them numerous times and was assured my deposit would post by the XXXX  of XXXX. It did not. On the XXXX  of XXXX I was informed my account was locked by the bank due to " unusual activity '' I was never notified about this and no one can tell me what this means. They did tell me on XX/XX/2024 that my account is no longer security locked or frozen. They did inform me my direct deposit was declined and returned to social security. I was told to just call them and have it redeposited.. it's been two weeks and I still have no money to pay bills and I'm receiving late fees on everything I owe
Product: Money transfer, virtual currency, or money service

I was contacted by XXXX XXXX XXXX XXXX who offered attractive investments and claimed that my funds would be deposited into an investment account in my name, I did not receive a real investment account and I now understand that XXXX XXXX XXXX XXXX is not regulated in XXXX, where I reside, nor in the USA where the Merchant and its beneficiary pretended to be registered. I now understand that XXXX XXXX XXXX XXXX does not have the ability to provide segregated accounts for investment purposes. 
XXXX XXXX XXXX XXXX instructed transfer payments to a Beneficiary called XXXX XXXX which bank account is at M & T Bank, New York. ( invoice attached ) 1 transfer was executed for a total amount of {$2800.00} to this account XXXX XXXX, XXXX : When I found out that it was, a scam, a Lawyer sent a letter to the Beneficiary XXXX XXXX in XX/XX/XXXX. No reply was received. ( Letter attached ) XX/XX/XXXX, A lawyer sent a letter to M & T Bank. I received an email reply XX/XX/XXXX, form a XXXX Field Investigations Manager, stating I spoke with our legal department and we will be denying any claims at this point. You will need to go after XXXX XXXX  XXXX XXXX who sent you the actual invoice. They are not a customer of M & T Bank.
Product: Credit reporting or other personal consumer reports

Re : Dispute of Account Information - XXXX XXXX, Account Numbers : Experian XXXX Dear CONSUMER FINANCIAL PROTECTION BUREAU XXXX I am writing to dispute the information on my credit reports concerning the XXXX XXXX accounts, particularly Account Numbers : Experian XXXX and XXXX XXXX XXXX After reviewing my credit reports from Experian and XXXX, I have identified numerous discrepancies that need to be addressed promptly to ensure the accuracy of my credit information. 

XXXX. XXXXXXXX  Reporting Absence : XXXX - XXXX XXXX is not reporting on XXXX XXXX all. 

I request that XXXX XXXX be removed from my CONSUMER report, as the absence of information on this bureau creates inconsistencies and inaccuracies in my credit profile. 

XXXXXXXX XXXXAccount Type Discrepancy : XXXX XXXX Experian reports the account as an " Unsecured loan. '' - XXXX provides no information on the account type. 
- XXXX XXXX  is not reporting on XXXX at all. 

The lack of detailed information on XXXX about the account type raises concerns about the consistency and completeness of the reported data. 

XXXX. **Payment Status Discrepancy : ** - Experian reports the account as " Collection/Chargeoff. '' - XXXX reports the account as " Collection/Chargeoff. '' - XXXX XXXX  is not reporting on XXXX at all. 


The consistent reporting of the account as " Collection/Chargeoff '' raises questions about the accuracy of the information provided by XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX : ** - Experian reports a high credit of {$20000.00}. 
- XXXX reports a high credit of {$15000.00}. 
- XXXX XXXX  is not reporting on XXXX at all. 


The conflicting high credit amounts on the same account across different credit bureaus create confusion and could have a significant impact on my credit score. 

Considering these discrepancies, I request an immediate and thorough investigation into the accuracy of the XXXX XXXX account information on XXXX. Additionally, I request that you remove XXXX XXXX from my CONSUMER report as the inaccurate and incomplete data poses a threat to my identity. I kindly ask that you delete and block the information accordingly to ensure the accuracy and consistency of my credit reports. 

I appreciate your prompt attention to this matter and request updates on the progress of the investigation within the 30 days. 

Sincerely,
Product: Debt collection

XXXX XXXX letters from XX/XX/XXXX stating they were XXXX XXXX XXXX XXXX different debits. XXXX debit was listed as XXXX XXXX account ending XXXX for a total of {$9000.00} for an alleged debit from on or before XX/XX/year> of {$4000.00} from XXXX XXXXXX/XX/XXXXXX/XX/XXXX. The debit was listed as XXXX XXXX account ending XXXX a total of {$1000.00} for an alleged debit from on or before XX/XX/year> of {$480.00} from XXXX XXXX XX/XX/XXXX 
XXXX ) have absolutely never had a XXXX XXXXXX/XX/XXXX 
XXXX ) these XXXX alleged accounts are well over XXXX yrs old. 
XXXX ) and I question that they claim XXXX accounts with XXXX different names.
Product: Credit reporting

I have been the victim of Identity fraud where my credit has been pulled multiple times. I have had multiple inquires that were not from me or initiated by me on my Transunion credit report. I have attempted to speak with supervisors about the issue and have written multiple letters in regards to this matter with no avail. I have gone as far as contacting the companies that are in question and they refer me back to the credit bureau. The inquires that are to be removed are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have been sending about {$300.00} monthly to a XXXX XXXX in XXXX for over a year. Sometimes, if they have an emergency like someone is sick or i jured, I will send more. This was after getting to know the head pastor and and assistant pastor over XXXX XXXX and phone calls and texts. I have seen many, many, many photos of them leading XXXX services and revivals. I have spoken to them on video phone as well. Suddenly both XXXX XXXX and Moneygram REFUSE TO SEND my monthly gift WITHOUT EXPLANATION. I tried to send them {$600.00} recently to buy an Air Conditioning unit for ther church because their old one died. It has been over 120 degrees Fahrenheit in the daytime in XXXX XXXX where they live!!! PEOPLE ARE DYING FROM SUCH HEAT!!! But both XXXX XXXX and Moneygram have REFUSED TO SEND MY MONEY EVEN WHEN I BRING IT TO THEM IN CASH!!! I want the servce they OFFER EVERYONE ELSE!!! There are severe limitations to who offers such services to XXXX. I can not just pick another service! I served my country 28 years and held a XXXX XXXX XXXX, why am I being singled out for NO SERVICE?!? Or do they just not like people of XXXX or XXXX!?!!! The pastor in XXXX has visited the USA several times and is friends with the ex-governor of Arkansas, XXXX XXXX. How is a XXXX XXXX deserving of such abuse!?!?
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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.

- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.

- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$120000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2020. On multiple occasions I requested XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Money transfer, virtual currency, or money service

I have a Coinbase account with approximately {$62000.00} dollars in it. I have tried 35 times over the last 2 days to attach the front and back pictures of my Driver 's License as requested. They claim that the need arose due to AML rules. They already have my information from when I originally opened the account so this may be a delaying tactic. I have deposited funds and withdrawn funds up until Tuesday morning X/X/17. I have tried loading the documents approximately 10 times via my computer from scanned documents and approximately 25 times from my XXXX XXXX. I do n't believe the site is really working. The failure happens so fast that I bet their servers are clogged. Meanwhile I have lost the opportunity to withdraw funds costing me several hundred dollars. All they have are auto-bots for assistance and no live people. I sent them two e-mails but of course they claim they are being overwhelmed and we should expect a response in a few days. From what I have read on blogs this is a delaying tactic by them and they send form e-mails out as part of their delaying tactic. If they indeed believe they are a financial institution as they state then the State of CA. should investigate them. I have no confidence in them.
Product: Credit reporting or other personal consumer reports

I don't want this on my report, u can delete it immediately, it's not mine. 

XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX
Product: Vehicle loan or lease

I feel I may be owed fees from the auto loan I had through Wells Fargo.
Product: Debt collection

Requested that Portfolio Recovery Associates ( PRA ) provide contract with my authentic signature that started this alleged debt. PRA only provided computer screen print-out which is unacceptable. 

PRA conducted unreasonable investigation.

Moreover, received dispute resolution past the 30 days time limit which is a violation of the FDCPA. Other times when I submitted dispute and never received a response.

PRA has continued violating the law through intimidation, deception, and illegal debt collection.

PRA are in violation Fair Debt Collection Practices Act and the Consumer Financial Protection Act.
Product: Credit reporting or other personal consumer reports

Hello. I've reached out about accounts on my report that are illegally being reported. These accounts include negative or adverse information that I am requesting be permanently remove the following companies, XXXX, XXXX and TRANSUNION have failed to provide me with the contracts with my signature to verify that the these accounts belong to me. 

Closed accounts : 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 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 Consumer Laws to reference U.S.C 15- Chapter 41.

15 U.S.C. 1681i ( a ) 5 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) 5 15 U.S.C 1681S-2 15 U.S.C 1681 ( i ) 15 U.S.C 1681 ( i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Contacted XXXX XXXX for refund sent to inactive account for son Called XXXX, rep answered XXXX XXXX  XXXX. Advised needed to validate account and asked for pass code. Said sending a text to validate account advised to get son on phone to validate his account. Told me to logout of XXXX   XXXX while refund processed. Read off last transactions to me. Said could see sons account was inactive and a new account was formed. Said could not verify son. Received weird text from XXXX   XXXX saying cancelling {$210.00} payment. Rep said that was part of the process to validate. Said needed another contact in my cash app to third party refund. Called my mom XXXX XXXX. The rep gathered same info from her. Put me on hold. Got a fraud alert from my bank. Asked rep what was going on because bank called and texts started coming in sayin pin changed, card disconnected and money transactions and cancellations. Rep hung up. My account had been wiped cleaned. I tried to get back in XXXX  XXXX. Contacted fraud alert at my bank. Deleted account to prevent further transactions. 

My account was wiped of {$4600.00} in about 22 minutes while on hold with the fraudulent XXXX number. XXXX XXXX investigated and concluded my account was compromised and advised me to contact my bank for a refund. My bank denied the dispute and advised me to contact XXXX XXXX since I initiated contact with the fraudsters and file a police report. XXXX XXXX has yet to respond on my next steps for resolving my refund
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX - Date Opened XX/XX/XXXX Account Name XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX, 2017 I wish to make a complaint for the customer service I received recently by the Assistant Vice President Licensed Branch Manager XXXX XXXX at the XXXX XXXX Branch. I 've had many issues with overdraft fees charged on my account by Key Bank errors in the past. On XXXX XXXX 2017, I was charged an overdraft fee for insufficient funds since I 've had many issues with Key Bank errors I asked for a refund as a courtesy. The customer service I had spoke to on the phone advised me to go into a Branch near me and speak to a personal banker at a Key Bank Branch near me and they 'd be able to help me. When I went into the XXXX XXXX Branch, I spoke to a bank teller who advised me to go into the Key Bank Branch where I had opened my account and they 'd be able to help me better there. I went into the Key Bank Branch located in XXXX XXXX and spoke to a bank teller who, told me I had to speak to a personal banker in regards to the refund because she was unable to authorize the refund since I had a substantial amount of courtesy refunds already. Which in fact was inaccurate as they had been Key Bank errors. On Tuesday XXXX XXXX, 2017, I went into Key Bank to speak to a personal banker in regards to overdraft fees I had in the month of XXXX. When I spoke to the Assistant Vice President Licensed Branch Manager XXXX XXXX, I tried explaining what had happened with my prior overdraft fees and asked if I could have a courtesy refund on some of the overdraft fees since there had been issues with the prior fees. As I explained what the problem was she rudely interrupted me without letting me explain thoroughly and kept shouting at me " was it a bank error? '' As I had explained, this time it was not a bank error but since I had to deal with many bank errors prior to this one I wanted to ask if I could have a refund as a courtesy. I am absolutely disgusted with the customer service I received by the Assistant Vice President Licensed Branch Manager XXXX XXXX, she was beyond ridiculous! I have never met such a rude person ever before and her behavior was completely out of line! I had to get up and walk out from there before I lost it. As we walked out of the bank she continued to be rude and unprofessional, laughing and smiling and shaking her head as we walked off.
Product: Credit reporting

Transunion will not do a proper investigation. They continue to say the the accounts were verified. Which is a lie! I have no account with this company nor have I ever signed any contract to do business with them. They have neither lent me anything nor have they provided services to me for which I requested. They are under an order to Cease and Desist and accordingly, this must be removed from my credit report immediately.