23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

We had a checkbook stolen from a desk at work. Several checks were written by the thief to " Account Holder '' and were cashed. A freeze was placed on our account at Bank of America. To freeze the account, they put a {$880000.00} charge on the account causing us to be overdrawn by over {$800000.00}. We called on XXXX XXXX to report the issue. I sat on hold for over an hour. I spoke with someone who looked at the account and could not figure out who/what placed the hold on our account. He then said he had to transfer me to " Check Fraud '' ( which was who I thought I was calling in the first place ). I waited on hold for 30 more minutes and no one answered. My husband, at this same time, stopped at a Bank of America branch. The branch manager tried to help by opening a new account for us. But, he was not allowed to transfer OUR money to the new account and close the old one because of the " Freeze ''. He called the " Check Fraud '' department and sat on hold for over an hour, himself. My husband had to go back to work, so they gave up. We called back again last night and waited on hold for over 90 minutes ( all call logs will be attached to this message ). This morning ( XXXX XXXX ) I am seeing MORE fraudulent/stolen checks clearing our account. I have been on hold, so far, for 18 minutes as I write this complaint. No answer. We have no access to bill pay, automatic payments, nothing. We are being treated like the criminals in this situation with no lifeline from the bank. If you 're going to freeze assets in an account, you had better have someone available to assist as soon as I call the first time. The fact that we ca n't reach ANYONE who can investigate and make us whole after the bank allowed a stranger to cash checks is a crime in and of itself. My next call is to a local news station. I want access to my money so I can close the accounts and move all business to my credit union. As of right now, a criminal has access to all the money he needs from my account, but I ca n't have access?!
Product: Debt collection

I am a victim of identity theft. I have been in contact with all major bureaus letting them know that a bankruptcy that appears on my credit file does not belong to me. Two of which have respected my wished and removed the bankruptcy from reporting. However, XXXX and LexisNexis have not. I have sent in paperwork multiple times with proof that the bankruptcy does not belong to me ; I have filed an FTC report and specifically stated for the information to be " blocked off my credit report file pursuant to section 605B of the FCRA, '' to no avail.
Product: Credit card or prepaid card

Months ago, I cut up my Bank of America credit card and sent it back to the company to close my account. Yesterday I received in the mail a 'change in terms ' to my credit card ending in XXXX. I tried to call the phone number to tell them the account was closed, but it asked for a credit card account number ( which I do n't have ) or a social security number ( which I input, but it did not recognize ). Since it did not accept my social security number, I got a recording that threatened " extended wait times '' because I allegedly did not input my number. I got tired of being on hold and hung up. THIS ACCOUNT HAS BEEN CLOSED. I HAVE NO OPEN ACCOUNTS WITH BANK OF AMERICA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$73000.00} XXXX XXXX XXXX Balance {$20000.00} XXXX XXXX Balance {$17000.00} XXXX XXXX Bankruptcy XXXX Dismissed XXXX XXXXXXXX Bankruptcy XXXX Dismissed XXXX XXXX Bankruptcy XXXX Dismissed
Product: Credit reporting or other personal consumer reports

Im at a lossI woke up this morning to find wrong accounts on my credit report, and I cant understand how this could have happened. I always check my credit report, and its usually accurate, but today there were errors that seemed to appear out of thin air. I even refreshed my browser multiple times, hoping it was just a temporary glitch, but nothing changed. I am begging you to carefully review the documents Ive sent to fix this, so I dont have to feel this constant XXXX  anymore.
Product: Checking or savings account

XX/XX/XXXX I opened a checking and savings account and deposited {$50000.00} into savings in order to get the bonus described below : Citi XXXX Account Package https : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX & XXXX From a 3rd party source ( different promotion period ) : {$700.00} bonus Open new eligible checking and savings accounts in the Citi XXXX Account Package during the offer period XX/XX/XXXX to XX/XX/XXXX. 
Within 30 days of opening your account, deposit {$50000.00} in XXXX-Citibank funds between the new checking and savings accounts. 
Maintain a minimum balance of {$50000.00} between the checking and savings accounts for 60 consecutive calendar days. 

XX/XX/XXXX I called and talked to a rep XXXX and transferred {$10.00} as I received an email stating that the checking acct would be closed. 

He told me that the bonus would be posted no later than XX/XX/XXXX, as he explained 60 days after account opening,. ( 60 days + 90 days to maintain the fund in the accounts XXXX XX/XX/XXXX I called and talked to a rep XXXX, then XXXX as the bonus was not yet posted. XXXX said that he would escalate my inquiry and check back within a week or so. 

XX/XX/XXXX I called and talked to a rep XXXX, who apologetically told me that the case had not been resolved yet and asked me to wait a couple more days. 

XX/XX/XXXX I contacted through chat and talked to a rep XXXX XXXX copy attached XXXX. He told me that it had been resolved and a snail letter was sent out. 
I asked why the bonus was not posted, he told me that he could not check the result and I would need to wait for the letter. Or, I could call again. 

XX/XX/XXXX Called again and talked to a rep, explained the whole thing, and clearly stated as follows : > why such a long wait? 
> searched for Citi XXXX XXXX XXXX on the web and found many cases XXXX XXXX XXXX XXXX  XXXX > unless it is solved right away, will file a complaint to the Consumer Financial Protection Bureau While I was on hold, somehow I was cut off. So, I am filing this complaint After this many phone calls, no bonus. I would find out what kind of craziest reason they say I was disqualified for the promotion although all the reps looked into my account activities and kept telling me to wait for the bonus to eventually show up. I believe that they do this, hoping customers get frustrated and give up.
Product: Credit card or prepaid card

My account was sold from synchrony bank to a 3rd party on XX/XX/2018.I have been making payments to the 3rd party since.i just received a XXXX for this same account from synchrony bank. however I never settled on the account I have disputed it with the bank and still havent heard anything and it has been a month they just keep telling me it was never sent out or was done in error by sending this out it causes issues with the IRS and I need to file my taxes but cant till this is fixed
Product: Debt collection

XXXX XXXX purchased a credit card debt from XXXX XXXX XXXX, assignee of XXXX XXXX   and hired FEDERATED LAW to represent them in the Court of law in order to collect on the debt. On XX/XX/XXXX, a lady named XXXX who claimed to be with law enforcement agency and wearing a " badge '' and shorts, t-shirt, flip flops, came to my place of employment with her XXXX small children. She was asked to leave by human resources and to contact me at home. She left and then immediately called my place of employment again, being harassing. She left her number and I called her to try and set up an appointment and all She stated was someone would be out next week to my home address, which I verified with her, as I believe she was trying to give me Court papers. Instead, On XX/XX/XXXX, she showed up again at my place of employment. I asked her to please wait outside as I was getting ready to leave work and I would meet with her. I came out and she was still inside. I told her I needed to use the restroom. She said " really '' I said yes. Then when we got outside she continued to stand by the employee entrance area. I said this is embarrassing and why didn't anyone come to my residence. She accused me of avoiding her and threatening to fine me. They took me to court and Sued me and unfortunately the judge sided with them which I disagree with. Not only violating the FDCPA, the company failed to provide evidence that I owe the debt and that they have a claim in the debt. I asserted lack of standing not to mention being threatened, harassed and humiliated at my workplace.
Product: Credit reporting, credit repair services, or other personal consumer reports

A debt to XXXX XXXX XXXX was paid in full. The debt was paid to the company and it had a XXXX balance. Now a collection agency is trying to collect on the same debt that XXXX has paid in full. They sent me the receipt with a XXXX balance. I have the proper documentation stating that it is paid in full. XXXX XXXX  is also trying to collect on this debt. I will attach the {$0.00} balanced receipt
Product: Debt collection

I didn ; t even know I owed a debt until my credit report was pulled. The debt has been paid and nothing is owed
Product: Debt collection

The original credit is XXXX  for {$470.00} and they sold it to Jefferson Capital System LLC . I do not know if this account and have filed several dispute and they did not provide me with no proof of this debt belonging to me. The account number is XXXX and it was opened according to my credit report on XX/XX/2016. It has been 7 years and I still have this debt that do not bring to me on my reports. Im trying to buy a bigger home for me and my kids.
Product: Checking or savings account

On XXXX at XXXX XXXX, Chase bank deleted my phone number from my account so that they could close my checking account that I've had for over 10 years without me knowing. I still have not received the over XXXX XXXX dollars that I had deposited in that checking account. They also refuse to tell me why they closed my checking account. This has caused me financial hardship during the current Covid-19 pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XX/XX/23 ) i've contacted this company about reporting inaccurate information accounts that dont belong on my report that are currently giving me a hardship within my life that's stopping me from making purchases and extended my credit to the companies that I actually want to do business with. I know under U.S.C 1681 e ( b ) they should be furnishers of information, such as creditors or lenders, have a responsibility to provide accurate and complete information to consumer reporting agencies. 

Transunion ( XX/XX/23 ) i've spoken with this company about the same problem reporting inaccurate information there telling me to just wait XXXX ( XX/XX/23 ) I've contacted this company about inaccurate information
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I took out a loan ( account number XXXX ) with Santander Consumer USA in XXXX for the purchase of a new boat.The boat is a vessel documented with the United States Coast Guard and thus does not have a state title. I paid off the loan in XXXX of XXXX but never received a satisfaction of mortgage. I sold the boat in XXXX of XXXX but the person buying the boat is unable to get the boat documented with the Coast Guard as Santander USA has still not submitted a proper release of lien to me or the Coast Guard. I filed a complaint with the CFPB and Santander sent me a lien release on XXXX XXXX. This lien release was sent to the Coast Guard National Vessel Documentation Center but was rejected as " the satisfaction of preferred mortgage is not eligible for recording because the legal capacity of the person signing on behalf of XXXX XXXX is missing. " The Documentation Center is requesting a new instrument be sent that includes the required information. I spoke to Santander Consumer USA today and was told that they would not accommodate my request and that I should file a second complaint with the CFPB. My first complaint with CFPBXXXX am requesting your assistance in getting Santander Consumer USA to submit an acceptable lien release to me and/or the National Vessel Documentation Center.
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding the inadequate investigation and improper credit reporting practices conducted by XXXX, TransUnion, and XXXX in relation to a disputed collection account reported by XXXX XXXX XXXX, XXXX. 

Despite numerous attempts over the past several months to dispute this account and provide evidence proving that the debt is invalid, the credit bureaus have failed to take appropriate action. Their investigations have been inadequate, and they continue to report the account incorrectly. 

Specific Issues with the Investigation : Failure to Conduct a Proper Investigation : Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the credit bureaus are required to conduct a reasonable investigation into disputed information. However, the responses I have received have been generic and automated, simply stating that the account has been " verified '' without considering the evidence I have provided. This failure to perform a thorough investigation has resulted in the continued reporting of inaccurate information. 

Improper Collection Reporting Under Louisiana XXXX XXXX : The original creditor, XXXX Bank, prematurely charged off the account XXXX days before the payment due date, violating the agreed-upon terms. 
No final demand letter was sent, as required by Louisiana Revised Statutes 9:3527, before the debt was charged off and sold to XXXX XXXX XXXX. 
The debt is now time-barred under XXXX three-year statute of limitations for open accounts ( Louisiana Civil Code 3494 ), making it ineligible for collection and reporting. 
These violations demonstrate that this debt should not have been reported to the credit bureaus in the first place and should have been deleted upon my initial dispute. 

Failure to Provide Proof of Debt : Despite multiple requests, XXXX XXXX XXXX has failed to provide valid proof of the debt, such as the original purchase agreement with my signature or a complete payment history. Under FCRA 611 ( a ) ( 1 ), if a debt can not be verified, it must be deleted from the credit report. The credit bureaus have ignored this requirement, allowing inaccurate information to remain on my reports. 

TransUnions Failure to Delete the Account : TransUnion recently marked the disputed account as " closed '' rather than deleting it entirely. This is unacceptable and does not resolve the issue, as the account should not exist on my credit report at all. Merely " closing '' the account does not address the legal violations associated with its reporting. FCRA 611 ( a ) mandates the deletion of inaccurate or unverifiable information, not just its closure. 

Violation of My XXXX Rights : The continued reporting of this invalid account, along with the credit bureaus XXXX XXXX XXXX XXXX XXXX for their investigations, has caused significant stress and hardship. Their failure to conduct a proper investigation and correct the inaccuracies on my credit report is a direct violation of my rights under the FCRA
Product: Credit reporting or other personal consumer reports

HARD INQUIRIES MADE IN ERROR OR PLACED ON MY CREDIT MORE THAN ONCE AS IT ONLY SHOULD BE ONE TIME OR NOT AT ALL AS SOME I DIDNT APPLY FOR IT AT ALL. PLEASE DELETE.


XXXX :ON XXXX XXXX XXXX XXXX XXXX  KY XXXX

NEVER APPLIED WITH THIS BANK OR COMPANY. PLESE DELETE

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FLORIDA XXXX  
THIS IS A DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE XXXX XXXX XXXX: ON XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX  
THIS IS DUPLICATE ONLY APPLIED ONCE NOT TWICE THIS IS ERROR PLEASE DELETE


THEIR IS MORE THAN ONCE ON MY CREDIT SAME COMPANY EITHER DIDNT APPLY AT ALL OR APPLIED ONLY DID IT ONCE ON MY CREDIT IT HAS BEEN PLACE MORE THAN ONCE TWO OR THREE TIMES NOT ACCURATE PLEASE DELETE AS I MADE SURE TO PUT DATES OF THEM ALL. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. I obtained copies of my credit report, and noticed some inaccurate information. To this date XX/XX/XXXX. I have not received any investigation results, nor notifications regarding my disputes. XXXX XXXX and XXXX are constantly sending Stall letters, which is a blatant disregard of the law. I also submitted another set of letters on XX/XX/XXXX. It's been over 30 days with that, and still nothing.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX : DOCK NUMBER # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXXXXXX : # 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, has 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Per Consumer Law, 15 U.S.C 1681b - Credit reporting agencies such as, Transition, XXXX, and XXXX does not have the right to report anything or any matter with a consumers written consent. 

15 U.S.C 1681c - 1 Without my written consent these items still remain on my credit and I want them removed immediately because this is identity theft. 

Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$990.00} Actions That Were Taken ; I did not give written consent for XXXX, XXXX, or Transunion to put this on my credit report Fraud Account Remove Immediately. 
Company Name : XXXX XXXX XXXX Date : XXXX XXXX Amount : {$590.00} Company Name : XXXX XXXX  Date : XXXX XXXX Amount : {$530.00} Company Name : XXXXXXXX XXXX  Date : XX/XX/XXXX Amount : {$800.00} Company Name : XXXX XXXX Date : XXXX XXXX Amount : {$280.00} Actions That Were Taken ; I have reached to each credit bureau individually and I have received any response to remove this information
Product: Debt collection

upon dismissal XX/XX/XXXX of employment at XXXX XXXX XXXX, i was sat down under duress and was told and directed to sign a promissory note to pay back company in loss prevention. i do not owe the company money as i did not commit the monetary fraudulent transactions. This action lacked consideration. i was interrogated for over 3 hours and was held against will, no food, water, or bathroom was given to me upon requesting. The individual took my cell phone was going through it provoking me, making me fearful of never seeing my kids again, threatening me throwing papers around the room, he was demeaning and intimidating me. i would not voluntarily sign anything, and my original statement was ripped up. This action was reviewed by court on XX/XX/XXXX and my case was credible and i was gained my unemployment benefits.
Product: Credit reporting or other personal consumer reports

This fraudulent scam predatory company closed XXXX complaints and DID ABSOLUTELY NOTHING TO ADDRESS THE ISSUE, which is Experian NOW has stolen almost 20 months of on time never late payments to XXXX and refuse to give them back
Product: Checking or savings account

Description of complaint : I received a notification that I spend XXXX on a XXXX coin recharge. I immediately logged in and talked to PayPal they stated this was cancelled and not to worry. I changed my password and deleted my bank info immediately and the charge ended up going through on my account and overdrew me and non of my bills can be paid. I have never purchased If you have any questions or concerns, please contact the XXXX assigned to your complaint : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX  Page 1 of 3 this before and my PayPal has never been spent more than 60 at a time and they keep saying this was not fraud. I even have the chat from them stating it was cancelled and I was Safe I then also have the picture showing where someone logged in that didnt match all my logins and I even have proof I have never purchased this and I didnt do this one from XXXX XXXX. PayPal is acting like they dont care and claim to be safe when they let someone take my money and are fighting me on it.
Product: Credit card or prepaid card

I purchased a gift card Visa debit card and loaded XXXX onto it I came home the next day I tried paying my XXXX bills with it and it wouldn't go through the payments I attempted to make were over the phone so nobody had the card number until I called the number on the card for assistance. The representative asked me for the entire card number the exp date and the XXXX digit code she said I couldn't use the card to pay bills. I then went to do my laundry using the card and the charge was declined I called again to the number on the card and it now had a XXXX balance I believe the rep took the funds for herself they customer service is in XXXX XXXX I found out. This has happened to many other people the charges they said were made on XXXX play