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

In XX/XX/XXXX I overdrew and account and all monies were paid back when I reopened the account in XX/XX/XXXX otherwise I would not have been able to reopen any checking or savings accounts. In XX/XX/XXXX they went into my account again adjusted it again for XXXX which was paid in XX/XX/XXXX. I disputed it and it was returned. My account was again offset in XXXX for XXXX. I filed a complaint with the federal reserve and all monies was returned again, As of XX/XX/XXXX the loss department headed by XXXX XXXX withdrew it again without notice. I explained that there are no monies owed or I could n't reopen the account he was crass and careless saying the money was owed without any evidence.
Product: Checking or savings account

This complaint concerns the inability of the bank to communicate with its clients concerning its fraud examination and claim determination process. We are concerned that mishandling of our complaints is evidence of widespread disregard of the bank 's obligation to its customers and should be examined on a systemic basis.

Our underlying claim involves several unauthorized debits on our debit card. When we discovered them we asked the bank to cease the debits and investigate the fraud. They credited our account, then after " investigation '' withdrew the money. They never advised us how the debits were authorized, they only told us that our account usage reflected the fact that we must have known ( and therefore authorized ) the debits. After 2 requests for reconsideration directly with B of A which were frustrating and not fruitful we then filed a complaint here. 

We were contacted by XXXX XXXX in B of A Compliance on XX/XX/19. I explained our issues and concerns and she said she would get back to me. B of A issued a letter dated XX/XX/XXXX claiming to have resolved our claim and credited our account with {$460.00}. The letter does not explain how they resolved our claim. We do not know whether they reversed their their previous decision that the debits were " authorlzed '' We do not know how they determined the amount of money they credited to our account. Their assertion that the claim was resolved was hollow. 

Ms. XXXX called left me a message telling me that the claim was resolved on XX/XX/XXXX. I returned her call that day, and in fact tried her twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX and once today on XX/XX/XXXX. She has not returned my call. I have no more information than I had prior to filing my initial claim. This can not be an acceptable banking practice.
Product: Payday loan, title loan, or personal loan

My account has a XXXX dollar balance. On XX/XX/21 they charged my bank {$37.00}. It never made it onto my account activity. It also says my account is as of today 11 days delinquent. I have tried emailing them as well calling at different times of the day. No one responds to emails or answers the phone.
Product: Checking or savings account

On XX/XX/2022, I attempted to open an M & T Bank MyChoice Checking Premium Checking account online. I made it through the application and created a user ID & password, but was then told that the account could not be opened online and that I should visit a branch. I never did visit a branch and considered the matter closed. Then in XXXX, while visiting my parents for XXXX, they gave me a letter from a collection agency stating that M & T bank had, in fact, opened an account in XXXX, been charging me a monthly fee, and then turned the account to collections. In the initial application, I provided M & T bank with my XXXX XXXX box location in XXXX, XXXX For my physical address, I used my parent 's address since this is the address on my driver 's license. Any mail on this account should've been sent to the mailing address I included in the initial application, not the physical address I only visit a few times per year. This is a secondary point, though, since I was never properly informed that the account was, in fact, opened. I have yet to receive an email, call, or text from the bank concerning this. The only correspondence I ever received was to an incorrect address.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, XXXX XXXX XXXX XXXX XXXX XXXX of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Bankruptcy - XXXX Bankruptcy - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the following accounts inwhich I deem to be fraudulent and I'm demanding that they be removed and blocked from my credit files immediately. The orginial account is from XXXX XXXX, a city inwhich I do not reside in ..someone obviously stolen my identity. Therefore, you and your companies shall remove the following unauthorized accounts. 

1 ) XXXX XXXX Co {$330.00} account # XXXX 2 ) XXXX XXXX {$240.00} account # XXXX I'm requesting all documents used to open these accounts in its original form, or these accounts shall be removed/ blocked immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute fraudulent accounts that have been added to my credit report without my authorization. As a victim of identity theft, I request the immediate removal of these fraudulent accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 

Fraudulent Accounts on My Credit Report : Credit Card Opened by the Thief XXXX  Card Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Credit Card Opened by the Thief XXXX  Card Services Account Number : XXXX Date Fraud Began : XX/XX/XXXX Date I Discovered It : XX/XX/XXXX Legal Basis for My Dispute : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 As a victim of identity theft, I have the right to request the blocking of fraudulent information from my credit report. 
Experian must remove fraudulent information within XXXX business days of receiving my dispute and supporting evidence. 
XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i If disputed information is inaccurate, incomplete, or unverifiable, Experian must delete it.

The credit bureau can not reinsert fraudulent information unless the creditor provides proper certification, and I must be notified within XXXX business days if reinsertion occurs. 
XXXX. Fair and Accurate Credit Transactions Act ( FACTA ) 15 U.S.C. 1681m Identity theft victims have the right to place fraud alerts on their credit file to prevent further unauthorized use. 
XXXX. Identity Theft and Assumption Deterrence Act 18 U.S.C. 1028 It is a federal crime to use another persons identity to commit fraud.

I have reported this crime to the Federal Trade Commission ( FTC ) under FTC Report Number XXXX and have taken legal steps to protect my identity. 

Requested Actions : XXXX. XXXXmmediate removal of the fraudulent accounts from my credit report. 
XXXX. Written confirmation from Experian stating that these fraudulent accounts have been removed permanently. 
XXXX. Placement of a fraud alert on my file to prevent further identity theft. 
XXXX. A free updated copy of my credit report reflecting these corrections.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance XXXX : {$0.00} XXXX XXXX Balance Owed : {$2500.00} XXXX  XXXX Balance Owed : {$1400.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ''
Product: Checking or savings account

Capital one bank froze my account for trying to withdraw XXXX at bank I can't even use my card. I also have a promissory note for my ppp loan. They are holding my funds and I need this resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that Credit Bureaus are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
1. The following information is outdated. I would like it removed from my credit history report XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 
2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

3. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car financed with Credit Acceptance and the engine blew. I called them and and they asked if I wanted to return it but never indicated that it would be considered a repossession. Had I known I would have kept the car even though it wasn't running. I just don't understand they never at any point indicated that it would report negatively on my report. We also agreed on a settlement for which I paid. I don't think that is correct that there was no mention that the account would report bad since they are the ones that recommended turn it in.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I sent {$930.00} using Zelle through XXXX. to XXXX XXXX XXXX for XXXX tickets. His email XXXX. I contacted XXXX XXXX afterwards to report scam & request info I could contact him or his bank. I received screen prints from their trace with all the pertinent information eradicated. I went into my local branch and no, they could not give me any of his info for his privacy.
Product: Debt collection

Blitt and Gaines for XXXX XXXX sends me a letter XX/XX/XXXX stating they are suing me for a debt that judgement was made against me back in XX/XX/XXXX. I wrote them and asked them not to contact me again and I looked on the XXXX XXXX circuit court and they resubmitted something to the courts recently with an incorrect date of XX/XX/XXXX trying to re age the debt that has exceeded statue of limitations. XXXX XXXX kept telling me they had no record of what I was talking about and this has been removed from my credit report. I was fired from a job inXX/XX/XXXX because they tried to garnish my wages.
Product: Debt collection

I have been receiving calls for a few years now about a " loan '' that I took out. No one will provide me in the mail with any information, other than this case is now in " legal ''. Incredibly aggressive tactics, AND the story, most notably the date of when this loan was taken out has changed numerous times, depending on what company calls. Most dates seem to be in the XXXX to XXXX range, however, I am given an address that I have n't lived at since XXXX and an employer name I have n't worked at since XXXX and a XXXX ( I have never banked at XXXX ) This new company seems to have my current address and made an insinuation that I am " hiding '' something when I refused to provide the last XXXX of my SSN or Verify my address. I do n't know this company and I do not owe ANYONE any money, so I am a little bit nervous about sharing personal information over the phone to someone aggressive, ESPECIALLY when internet searches of this company reveal some pretty bad information, including their previous name of XXXX, who was seemingly sued multiple times for poor debt collection practices. They have also called my wife on her cell phone. I just want this to stop, I am not paying anyone, anything. I get up, go to work everyday, have good credit, and am a good person, I just wish these people would actually go and make an honest days living, instead of this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to get annual credit report with my valid name and ssn. Please help us.
Product: Checking or savings account

Okay so I have a chime account I've had three cards already sent to me, I keep telling them someone has my direct routing number and account number there was a charge on XX/XX/XXXX I believe it was for {$70.00} they explain to me they will go ahead and do it they will go and put that money back on my card I get an email just now saying they're not going to do it I don't know what's wrong with these people when I call them on the XX/XX/XXXX I also told them about the {$9.00} someone had gotten an XXXX ride from XXXX XXXX and this is where they're located and I'm thinking it has something to do with them they never found that dispute I spoke with them today they act as though they didn't even know what I was talking about and now I get an email saying they're not going to put the {$70.00} back on my card I'm very serious with these people I see that they have all kinds of issues all kinds of complaints and they've been sued before I see this I didn't know this. My name is XXXX XXXX my email address is XXXX. my phone number is XXXX. I spoke to them also today about someone else trying to use my card I'm not sure what it was for I think they might have caught that but they're they're saying that it's my card it's not my card I just got this card 3 weeks ago it's something else going on someone has my account and routing number I do believe. I really would appreciate your help because this company is full of it and they need to be stopped. Thank you so much!
Product: Mortgage

FOR SOME REASON, I FEEL LIKE I 'M BEING TARGETED FOR FORECLOSURE! Provident Funding Associates LP seems to be looking for cause to " accelerate the sums secured by the mortgage, commencement of foreclosure proceeding and sale of property. '' SEE ATTACHED LETTER AND ITEMS XXXX
Product: Credit reporting

: THE INVESTIGATION HAS BEEN OVER 30DAYS. NO REPLY THEY MUS BE DELTED. 
. 
. inquiries unauthorized XXXX, XXXX XXXX AND XXXX XXXXMus be deleted no validation from the companies or from the Credit union.
Product: Student loan

The loan was put in default by error. We were contacted about payment and put the loan in forbearance due to a financial hardship. However, the people we were contacted by was not the actual loan servicer, but a scam company masking as our loan servicer.

Now the result has placed the loan in default, which should not be because the original loan payments should no t be due until completion of college. Also, a semester was just completed from XX/XX/2018-XX/XX/2018. The student is still actively attending school.
Product: Credit card or prepaid card

This is the only card I've ever had that makes it next to impossible to use your card. The only way you can make payments is through using the actual card number and exp date as a credit or debit transaction. That's okay for household utilities, but what about credit cards and other bills? They provide no routing and account number that will allow you to pay other bills. So your options are credit debit transaction or withdraw from an ATM. As XXXX  card designed for elderly and XXXX, this is ridiculously inconvenient. They used to offer a direct bank transfer for a small fee though it took 3 to 5 business days to hit the other account, at least it was something. They stopped the service with no warning or explanation over two years ago, but it's still featured on their website and customer service still tells people it's available ( if you manage to reach someone ) and it still lets you start the process, and takes the money out of your XXXX account for a few days just to bounce it back to your card and leave you floundering trying to figure out how to transfer money to a legitimate account each month. XXXX XXXX? Blocked. XXXX XXXX and XXXX? Blocked. XXXX transfer? BLOCKED. And that's on top of the countless complaints of fraud and issues with ATM machines where people get a receipt for a withdrawal but no money. Please! The government needs to find another vendor and shut them down. It shouldn't be so hard to use your own money to pay bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lien was removed and its still showing just for this agency. I am having trouble with them removing inaccurate information of my report even the ones I have advised do not belong to me they were removed from my other credit reports except this one. It seems I have to fight for them to remove things which isn't right. I disputed directly through their website and still no response
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/17 I disputed with the credit bureau Equifax information on my report that was incorrect. The inquires that I disputed were not authorized by me and I wanted them off of my report. Inquires disputed were ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). Equifax failed to remove the negative inquires that were on my report stating they were authorized. I contacted the original creditors listed but they failed to assist me and one of which is shut down ( XXXX XXXX XXXX ) do to fraudulent activity I could not contact. These inquires are hurting my report and I need them removed. I have a Fraud Alert placed on my report because of companies like these appearing on my report.
Product: Debt collection

I was covered under my parents insurance at the time of this happening. Therefore they should pay for the charges and not myself
Product: Debt collection

Threatened to send sheriff to my work to serve me. Called repeatedly after asking to stop and informed them that the debt was not valid. Used abusive language calling me an XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

I have disputed this account on multiple occasions, as recently as XXXX XXXX The information on the account is not mine. I have requested a copy of the contract with the wet signature and proof of my identification that should have been provided. I have not received this information or any response. The XXXX XXXX  does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a few letters to Equifax and I they still haven't responded to the letters its been well over 30 days my first letter was sent out XX/XX/2020. I  also sent a follow up letter and got nothing from them.