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

On XXXX I was alerted that my account had been restricted with navy federal credit union. I was not given any information to why however I know exactly what is going on. On XX/XX/30 I accepted payment to my business account via wire transfer, before their items were even delivered they were demanding a refund. I have a signed contract and tracking information I provided to navy fed along with a security appeal form. Turns out after a quick search this women is a known scammer who tries to buy high end items then get a refund and keep the items and sell them on XXXX and other marketplaces. She tried to tell me that I sent her a piece of paper instead of a horse therapy device before the device was even delivered to her. I believe she accidentally got her scams crossed. My contract states that I will only provide a refund after the item is returned to me in unopened condition, and the refund is issued by the manufacturer via a cashiers check. She signed this. She marked my wire deposit as fraud and navy federal instantly locked all of my accounts. Not just my business, leaving me with absolutely no money. I also sent them screen shots of other people complaining and warning of the same type of experience with this woman. I have no access to any funds. And they will not give me any information. I requested for my account to just be closed and withdraw cash from my account as I literally can not feed my children, I can not run my business, I can not even get gas. Navy federal did not even give me an explanation why my account was restricted, however this is the only possible incident I could possibly think of. They requested more info from me via a form without telling me the details. They wont communicate. I asked to speak to the department and was literally denied saying they wont talk till I submit the form, which I had emailed to them twice. I have read numerous articles on forums saying they are notorious for not replying to these appeals for months even up to 4 years for one gentlemen. I am literally left without a XXXX. A wire authorization form was filled out to send this payment, I even sent them a copy of that. Immediate action should be taken to protect their members livelihoods. They have left me in limbo with no communication and without access to my money. All because of a scammer trying to trick them. This was not a card dispute or even ach. This was a verified wire. I am appalled and a young single mom with XXXX children. I serve my country and trusted this bank to not only protect me, but at the bare minimum communicate. At this point they are holding my funds with no reasoning. 

I even submitted a police report in this XXXX XXXX and sent them the incident report number. I am being treated horribly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Social security : XXXX D.o.b XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This document is for fraudulent accounts opened in my name, the account Im Disputing is XXXX XXXX  OPENED XX/XX/XXXX with a balance of XXXX, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the Equifax data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.
Product: Credit card

XX/XX/XXXX was my second time reaching out to the XXXX major credit bureaus about this credit card that was fraudulently placed on my account. I've asked for proof of this debt and proof that it was me who opened this account and the only response I have received back is either the information is confirmed or that the creditor may not have my information to reach out to me. stalling I even furnished them with my police report number. XXXX
Product: Credit card

This is an ongoing issue. I got the Bank of America Silver Visa at the time of opening my checking/savings account at the location closest to the XXXX postal code. 

At first everything was great, but gradually nasty things emerged. 

Although I had set up online payments they weren't going through. I contacted the friendly bank official immediately. He had provided me with his direct line and email. He responded with a video link explaining " how to set up online payments ''. I did watch, but honestly, this wasn't my first account or first time setting up auto payments, and not even my first BOA account. 

He even insisted I visit him in person so he could " show me '' how to do it. I had no desire to interact with people who were clearly unwilling to accept responsibility. I would set up auto-pay. It would invariably go to - it is past due. I wasn't even getting alerts!! No alerts about payment dates which is another thing I got used to over the years. I wrote to them many times. 

They have done nothing to fix the flaw on their website/system. Also, sometimes the payment itself does not go through, and I have had to keep an eye to make sure it doesn't fail. 

It is almost as if they are very eager for my credit score to go down. They just sent me a letter informing me that they're reducing my credit line for " not paying on time '' in part. 

This is just nasty. I don't deserve to be treated this way!! 

I have to add, that I am an accomplished XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may be unemployed now, but I am not brain dead yet. 

But this is not how any customer should be treated. 

BOA has kind of a monopoly. There are no other banks that offer the range of services that BOA does. More recently, this seems to have become their point of contention significantly affecting the quality of service.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XX/XX/2020 I was late on payments on my XXXX loan due to covid and my decrease in hours. This showed a negative report on my credit report
Product: Credit card or prepaid card

I purchased a vacation fare from Costco XXXX on XX/XX/21 using my Citi Costco Card for {$470.00} to include airfare on XX/XX/21 and XX/XX/21 and 2 nights hotel for XX/XX/21 and XX/XX/21 at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX OR. When I checked into the hotel, I provided my name, reservation information and Citi Costco card for incidentals. I incurred no incidental charges and used the level of room ( 2 queen beds ) that I reserved. I completed all travel on those dates. When I returned home, I saw that I was charged {$190.00} by the hotel for services that were covered by the Costco XXXX reservation. I submitted a dispute to Citi for the {$190.00} including documentation of the reservation. On a letter dated XX/XX/21 that I received on XX/XX/21, Citi stated that because I received services I would not receive credit. Instead they started a dispute for {$190.00} against Costco XXXX. I received the services I paid for from Costco Travel ; the hotel charged me for services that they were paid for by Costco XXXX. At no point was I contacted by Citi about opening a dispute against Costco XXXX. 
To remedy this, Citi needs to resolve my dispute correctly with XXXX XXXX and remove their dispute against Costco XXXX.
Product: Credit card

On XX/XX/year>, Alliant Credit Union mailed me a check for {$77.00} without any explanation. The check was sent on a single sheet of paper stating " see receipt for reference, '' but no receipt, purpose, or explanation was provided. I believe this check may be related to credits recently posted to my Alliant XXXX credit card, which Alliant closed without my consent. However, Alliant has not provided any accounting of these credits or the source of the funds for this check.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX  XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against XXXX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Prepaid card

XX/XX/XXXX Received {$500.00} Vanilla gift card as a retirement gift XX/XX/XXXX Tried to use card - it had a XXXX balance XX/XX/XXXX called Vanilla Visa and filed a complaint. Was given case # XXXX XX/XX/XXXX Received claim paperwork - filled it out and emailed right back to the email address indicated XXXX XX/XX/XXXX checked progress on website balance.vanillagift.com- it said they were waiting on paperwork from me XX/XX/XXXX called and representative said that the email XXXX was not good. Send to XXXX AND XXXX. 

XX/XX/XXXX resent my gift card dispute packet to both email addresses. Also am filing this complaint per advice from others on XXXX. : )
Product: Credit card or prepaid card

XXXX XXXX XXXX I purchased 3 US Bank visa gift cards on XX/XX/XXXX for {$500.00} each. 
Upon opening the packaging, I noticed these US Bank gifts cards were tampered with. I tried spending them in store, but the magnetic strips were defaced with glue. I called in to the number of the back of the card to inform US Bank to close the cards down and send me replacements. 



I was assured this would happen. It did not. Replacement cards were eventually sent to me, but a hold was never placed on the original cards. They were used fraudulently the very next day ( XX/XX/XXXX ) and a week later, I received cards worth a few cents instead of the {$1500.00} I had loaded on each one. 



It is now almost a month later and there is no sign of resolution. 

I am staying at my address of XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX until the XX/XX/XXXX. Please ensure that if resolution is sent via mail, it arrives before then. I would also accept the full {$500.00} being transferred into the replacement cards I was sent. 



Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give consent for this company to use my personal information for any reasons and by doing so have violated my rights and privacy. Not Only did they use my information they also used inaccurate information at that, damaging my reputation. The Company I am Referring to but not limited to is XXXX, Credit Bureau Company.
Product: Bank account or service

In XXXX, I obtained a new mortgage from Wells Fargo in Washington state. Much to my surprise, and without my consent, I also got a new credit card. When I inquired with the bank about it, they said something along the lines of " mortgages come with credit cards. '' Later, another employee contradicted that quite clearly. In the end, I decided it was a harmless transaction, and I retained the card. But it was decidedly weird, and it smelled fishy. I attributed that to a simple error, but in light of the recent findings that Wells Fargo I now suspect it may have been deliberate. To the extent that you are so empowered, I would encourage you to investigate Wells Fargo prior to the XXXX date identified in the public reports.
Product: Debt collection

This account has not provided any documentation to support the reporting amount/balance on my credit report. They have also not responded to any of my validation letters sent
Product: Debt collection

Re : Cease and Desist Letter Pursuant to XXXX XXXX Dear Resurgent I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into.

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.

I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages.

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law.

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE AN ACCOUNT XXXX XXXX REPORTING ON MY CREDIT REPORT INCORRECTLY. THIS ACCOUNT HAS BEEN OPENED SINCE XX/XX/2004 PLEASE HAVE CREDIT REPORTING AGENCIES FIX ACCORDINGLY
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX
Product: Bank account or service

I tried opening an Account with XXXX ... ..subject to approval thru Chex systems ... Check systems denied me ... The bank gave me Check systems contact information..I called Check systems and they refused to take me off their list..I told them I filed chaper XXXX, and all previous debts were discharged. Check systems told me I owed them XXXX ... I asked for what ... the agent had no response! They still have me on their list.
Product: Credit card or prepaid card

For some reason Capital One flagged me for fraud. They asked me for my social security card and my Drivers license picture. Which I submitted ... and I had to ask for a replacement card from social security. Then they decided that I did not need the picture of social security ..just the number, which I submitted. I scanned the front and back of my ID card and sent them via e-mail. I called back because they did not send my money. They said there was a problem with the back of my ID card. So I sent the picture again. I tried three times. Each time it would not work for them. So we tried other ways. They sent me a link to my phone. ( which did not work ) to take a picture of my ID card. I tried to take a regular picture and send it via email. The claimed it did not work. So I sent them a hard copy three weeks ago and they said they did not receive it. The amount is for {$920.00}. I have paid off everything I ordered from XXXX XXXX so I do not know why I would be flagged in the first place. Things are very tight here and because of this I have had a negative balance on my bank account so I would like to solve this ASAP. My best outcome would be to close the account and receive the amount they owe me.
Product: Checking or savings account

I OPEN AN ACCOUNT WITH REGIONS BANK ON XX/XX/2020 WITH XXXX CASH ON THE NEXT DAY THE CLOSED THE ACCOUNT AND WILL NOT GIVE MY CASH BACK. 
THEY CLOSED THE ACCOUNT I'M PRETTY SURE BECAUSE XXXX XXXX NO OTHER REASON HOWEVER I DON'T CARE I WANT MY MONEY BACK
Product: Consumer Loan

I leased auto from GMAC back in XXXX for about XXXX year lease. I lost my job and was unable to continue making payments. GMAC took me to court and repossessed the vehicle. They are continuing to report this account after the passed XXXX year limitation. They seem to modify the date of this account to prolong this account as active. If you look at the account they have not updated this account until I made contact with them for status of this account. The are still operating under the name of GMAC when in actuality they are now XXXX Bank which is deceiving within itself as a corporation.
Product: Debt collection

i disputed with the credit bureau as well as with the creditor and the credit bureau responded with a letter stating the accounts was verified. I counter responded back asking for proof of verification and validation. No other response has been giving nor any documentation. I 'm assuming that there verification was someone looking at a computer and saying this is my account which is unacceptable. It has now been well over XXXX days and the issue has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX  XXXX Balance {$14000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported with XXXX  and alleged to be XXXX XXXX is reported in deficiency of reporting mandates and or codes therefore the deceptive calumny must be eradicated as is my in a manner acceptable requested resolution, please do so HERE AND NOW! This claim has assumed XXXX XXXX of XXXX XXXX XXXX XXXX in at least one or more of the following reported data fields jeopardizing its credibility and integrity as reported when reported :
Product: Checking or savings account

Hello Citi Bank disputes, This is XXXX XXXX, emailing and following up regarding my dispute XXXX. 
Attached below in two of the pictures is the product I received from the fraudulent/scam locksmith that came out in XXXX of XXXX  and charged me XXXX dollars for a fake key. Again I was not able to to reach the merchant as there is no company listed or called XXXX XXXX XXXX online or locally in my area. Also I included my mechanics bill for checking my car security system and key, as I was trying to figure out what was wrong with it. I have emailed Citi Bank the receipt for this transaction. 
Regards, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I went out for lunch with my colleague at XXXX pm sharp from our office located at XXXX XXXX XXXX NY XXXX to the restaurant XXXX XXXX allocated at XXXX XXXX XXXX with about XXXX minutes walk. After we arrived at this restaurant in XXXX minutes, I discovered my Chase Bank - XXXX unlimited credit card was lost. I walked back for two blocks at the street trying to find my card but I could not find it and realized someone might take it. I called the bank immediately to report my card was lost. Unfortunately, the customer service line has been busy until around XXXX pm. The Representativeness accepts my call. She checked my credit card record and told me that a transaction at {$940.00} was charged from the store " XXXX XXXX XXXX XXXX XXXX '' ( I knew this name later from my account record ). I was told by Chase Bank that they will give me back credit for this unauthorized transaction. I saw the transaction has been taken out from XXXX, XXXX statement as promised on XX/XX/XXXX. However, this charge was added back to my credit card account on XX/XX/XXXX. I called the Credit Card Fraud department on Chase Bank on XXXX XXXX, he told me that I should call back to Credit Card Fraud Recovery team on Monday, XXXX since that recharge bill is this Recovery Team 's matter. I called representativeness on XX/XX/XXXX stated that I disagreed with this purchase since I did not authorize this transaction and I did not sign it for purchasing. However, this bill of {$940.00} is still on my account, and the bank requests for payment.
Product: Money transfer, virtual currency, or money service

On the XX/XX/2021 one I received a spoofed phone call from XXXX XXXX at XXXX PM MST this phone call was a very professional act of fraud completely imitating the XXXX XXXX fraud detection phone call that I have received in the past and made me believe my Zelle was being XXXX therefore I followed through and ended up getting scammed into sending money forward to another person using my own phone number.