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

On XX/XX/23 I submitted a check for a mobile deposit in the amount of $ XXXX.The check was from XXXX for paid family leave. The next day XX/XX/23 I received a confirmation e-mail the check was successfully deposited but wouldn't be available until XX/XX/23. The same day I received another e-mail saying my account was restricted. The same day I proceeded to call to find out what was going on. After numerous attempts to get ahold of an agent finally I was able to get ahold of someone. An agent told me they needed to verify the sender of the check. She went ahead and called XXXX to verify the check but couldn't get ahold of anybody. She told me to call the next day earlier in the morning. The next day XX/XX/23 I called and another agent attempted to verify the check but said the lines were busy and to try to call back later in the afternoon. I did just that and another agent told me later that day that my account was being closed and thanked me for the years of banking with them. I asked why and she said they have the right to refuse service to anyone and I would not be allowed to open another account with them. I asked what would happen with my money and she said I would receive a check for the money from my savings. I asked about the check and she said I could go ahead and deposit it somewhere else. I went ahead and deposited the check to another checking account I have at XXXX XXXX. This past Friday XX/XX/23 I checked that account and saw the check bounced because XXXX XXXX  still has a hold on the check when I was told otherwise. I try to call and get sent to the resolution department line which is just voicemail. When I try to talk to an agent as soon as they look up my account I am transferred straight to the resolution department voicemail again. I've made various attempts to get ahold of someone and have left voicemails in the resolution line and nobody has gotten back to me to this day. This issue has taken almost XXXX weeks and it's not resolved yet and I have not heard back from anyone. Agents I was able to get ahold of have given me misinformation about what is going on. My account and check are on hold. I do not have access to my money. Need to pay bills which I was going to use that check for. I do not feel they are taking my case seriously. I believe it should not be taking this long to investigate my account and verify the check.
Product: Credit card or prepaid card

Have been charged high interest rates and have always paid more than minimum due. 
Bank of America has been charging me 28 percent interest! Have always paid on time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer credit reporting agency,, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of person credit cards and other accounts. XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX  ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.
Product: Debt collection

Something is not right about XXXX XXXX XXXX filing a C-1099. In XX/XX/XXXX I learned by viewing a XXXX XXXX court filing that I was being sued by XXXX XXXX XXXX to pay an alleged debt. I responded to the small claims court filing with a defense document submitted after spending hours of my time learning how to do this. I was never served anything, one of my defenses. The alleged debt was a Citibank debt with known interest charge issues so I questioned the balance owed. However, the only option available to me after my response to the lawsuit filling was that I had to attend a mandatory mediation with a legal representative of XXXX XXXX XXXX. I was not prepared to defend myself. I agreed to a {$25.00} per month payment plan. Eventually the loan was paid off and satisfied. ( Payments stopped at some point with no further communication from XXXX. ) It was when I received a C-1099 form submitted by XXXX XXXX XXXX I learned that the company discharged the alleged debt in XX/XX/XXXX. How can they discharge a debt that was paid off? How can they have this as my " Best Buy Credit Card '' debt on their books in XXXX? I also have a Federal Tax Lien filed XX/XX/XXXX. It is essential that my tax filing is as accurate as possible. In the XXXX federal tax filing I am able to use the form to essentially discount the alleged debt amount and I should not be liable for a settled debt income because I paid it off. ( Plus both owed state and federal taxes from XXXX to present period makes me " insolvent ''. ) It looks to me that XXXX had me on its books as a debtor. Did the company represent to the IRS that I was in debt or had a discharged debt? I am working with a tax attorney to resolve my federal tax lien and my state tax debt. Please help me identify what may be wrong. Did XXXX submit a false claim to the IRS?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX    XXXX   has reported incorrect unpaid principal balance which has made my score go down. The company reported an increase by {$1100.00} between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  which is inaccurate. Please see the attachment of the correct unpaid principal balance during this time. I have attached document from  XXXX   XXXX  site about my principal balance.     I hope im not apart of  XXXX   XXXX  discriminated against  XXXX  Americans. Because this really make no sense to me as to why  XXXX   XXXX  is reporting incorrect balance to make my  credit score go d own.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, Experian/XXXX XXXX Account Number : XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Debt collection

I am not liable for this debt with PORTFOLIO plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$1600.00}
Product: Credit card or prepaid card

First of all, OLLO arbitrarily and capriciously placed a hold on my account, according to XXXX or similar name thereabouts when I called on XX/XX/2023 @ XXXX @ the security department, states in essence, they believed there was a possible fraudulent charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, knowing how fraud works and was a part of the international credit card investigators association and knowing the master contract with XXXX XXXX, this entity needs to make necessary and proper notification, and failed to do so, and just arbitrarily and capriciously placed a hold without so much as sending an email to verify said transition which happens to be about {$520.00} or so to a wigs.com. This charge was in fact true and genuine. 

Since XXXX was a customer service rep and obviously not schooled in investigations, she was not professional in answering my questions, why a hold and what notifications did they in fact do in any " due diligence '' to ascertain if the charge was legitimate or not, so not I have sustained damages and emotional infliction of emotional distress when I tried to charge {$1.00} for a simple RX i needed and card was declined. Evidentially this charge evoked a hold for over two weeks now. 
Not even a letter or any official snail mail notification was sent out which is part of a " due diligence '' procedure to hold entities such as OLLO as per contract with XXXX XXXX international as they must adhere to certain rules and procedures to maintain a contact with XXXX XXXX to keep using their services and to issue cards in the first place. 

Thus I am alleging, negligence, in how OLLO conducts business and their record keeping and how they fail to adhere to XXXX XXXX XXXX XXXX when dealing with their customers. 

Thus, we will be filing a small claims case against above for negligence accordingly and IIED against their customer ( XXXX ). 

We suggest XXXX write paper and everyone involved in the paper chain, substantiate their role in this when I comes to justification in court. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters were sent to dispute the public records. In the first attempt, the CRA responded with a generic reply stated that the public records have come back verified. The second attempt no response. I have reached out to the public records vendor and received a letter with letterhead and signature stating that they in fact DO NOT report to the CRA 's. The CRA 's have failed to provide me with original signatures and/or contracts. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the CRA 's are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts the CRA post on a credit report. Otherwise, anyone paying for that reporting services could fax, mail, or email in a fraudulent account. 

I have requested to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) the CRA 's have on file of the accounts listed. The CRA 's have yet to positively verify these accounts and this has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the CRA 's are unable to provide me a copy of the verifiable proof, they must remove the accounts listed below.
Product: Checking or savings account

The morning of XX/XX/XXXX I woke up to XXXX fraudulent transactions of {$1200.00}, {$1200.00}, {$1200.00} and someone sent themselves {$900.00}. I disputed the {$900.00} immediately and chime declined it the same day. I disputed it XXXX more times and they disputed them both. The second time I disputed I provided them with a police report. At this time the other transactions were pending so I couldnt dispute them. I disputed them XX/XX/XXXX those disputes are still pending but are not in the original amounts. The new amounts were split into XXXX transactions in the amounts of {$970.00}, {$970.00}, {$750.00} and {$470.00}. Including the {$900.00} this amounts to {$4000.00} that leaves {$500.00} of my money completely unaccounted for by chime. I have been a customer since XX/XX/XXXX almost XXXX years now and have never disputed a charge. Their customer service has been less than helpful and this is absolutely ridiculous. Someone was able to by pass the XXXX factor authentication and login to my account change my number to theirs and complete all these transactions. Chime put XXXX effort in blocking these suspicious transactions but blocked an almost {$30.00} transaction from XXXX XXXX a week prior. My email was spammed with XXXX of text messages and the spam hasnt stopped. I woke up to XXXX of calls and text messages as well that all occurred with the time frame of my money being stolen. Ive seen XXXX threads, XXXX videos and even news outlets that covered stories on the same fraud that happened to me and chime didnt help anyone of these people get their money back.
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in a XXXX XXXX XXXX which I had financed with USAA to XXXX XXXX. XXXX XXXX issued a payoff for my loan that USAA received XX/XX/XXXX per their own admission and I was out the door with my new car. I called USAA canceled all necessary auto pays, and thought nothing of it. 

On XX/XX/XXXX, USAA charged out of my account via ACH a full payment for the auto loan that they had received a payoff for.

Upon speaking with customer service, I was told absolutely nothing could be done and I would have to wait XXXX days or so for a refund. My account with USAA is now currently negative, and will continue to accrue additional fees every day it remains that way. That money was meant to buy food and supplies for me for the next XXXX weeks and now I have nothing and no remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX, and Transunion. I have disputed this with the three credit bureaus. I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 


Late payments Account Name : XXXX XXXXXXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XX/XX/XXXX Account Name : XXXX Account No. XXXX Dates of Late : XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX I have paid these accounts on time. How did they verify this?
Product: Checking or savings account

Fifth Third Bank will not stop emailing me bill reminders - multiple monthly. 
I closed my parents accounts ( deceased ) and the estate account around 2 years ago. I have called multiple times. I have written multiple times. I have contacted them on XXXX  multiple times. They claim it will stop but never does. It causes me mental distress every time I receive the emails. I just want them to stop. The bill reminders come in my mothers name, she has been gone since 2016. Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

Name of the product or service involved. 
XXXX XXXX ticket / Cash App purchase The dollar amount in dispute. 
XX/XX/XXXX at XXXX XXXX Captured {$240.00} XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX at XXXX XXXX Captured {$28.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Captured {$10.00} XXXX XXXX Identify your attempts to resolve the issue ( s ) with the company, corporation, or organization. 
XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX
Product: Checking or savings account

I noticed my Chase Business checking account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) was overdrawn, so I checked it and found that dating back to XX/XX/XXXX, someone gained access to my business checking account number and routing number and started doing ACH debits. The payments were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  The names used were XXXX XXXX XXXX and XXXX XXXX. Two names I've never used and people with whom I have never associated. The amounts ranged from the {$500.00} range up to {$4000.00} more recently, totaling approximately {$21000.00}. 
Once I noticed this, on XX/XX/XXXX, I called Chase Bank and filed a claim. They state they are only allowed to reverse charges that were within 30-60 days of the first occurrence. The most recent occurrence was XX/XX/XXXX. Within the past couple weeks, the criminal debited my account for more than {$10000.00}. I called all of the above companies and they stated they couldn't do anything and to talk with my bank, who is not helping me any further. 

In the past, I received texts or emails about suspicious activity, which I believe this is, and I never received any notifications from my bank regarding any of these debits, even though someone else 's names were used for the transactions. 

The transactions with dates and amounts are in a supporting document. 

The only caveat to this is that some of the earlier funds were returned, but only about {$4000.00} worth. I am still missing approximately {$16000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX XXXX Inquiry : XXXX XXXX, 2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Mortgage

Received a mortgage account statement with what appears to be a late payment fee from Truist. My mortgage is paid by automatic debit and was deducted on time. I have waited on the phone for over 2 hours and 25 minutes, and no one responds.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX XX/XX/year> Conserve XXXX XXXX XXXX XXXX, NY XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owned the debt. 
This letter is to inform you that I have rights to request a validation of this debt and your ability to this money from me. I asked that prove that I am indeed the party who is contractually bound to pay off this debtor stop collection activity and remove it all together. 



Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with the promise to pay the original creditor Complete payment history on this account, to prove that the amount you wish to collect is correct. 

I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX went to my bank to apply for a home loan in which I was denied. I was informed by my banker that the reason for my denial was due to a delinquent auto loan that was no my credit score. This came as a shock to me since I have only financed XXXX car in my life and I am currently still driving and paying on this vehicle. I was also informed that the delinquent auto loan account was held by XXXX Bank, which alerted even more red flags as I have never done business with XXXX Bank in my life. It was clear to me that I was now a victim of identity theft and someone had obviously taken my information and applied for a auto loan in my name. I have filed identity theft reports with my local police department case number ( XXXX ) and with the FTC, reference number ( XXXX ). Under the FCRA it is the responsiblity of all credit reporting agencies to ensure the accuracy and completeness of all accounts and information that they fursh. Upon pulling my credit report I have seen numerous inaccurate accounts, addresses and personal information on my credit report. I would like Experian, XXXX and XXXX to help in correcting this already nightmare of an experience and please remove the inaccurate information from my credit report
Product: Checking or savings account

On XX/XX/2023 there was a charged on my bank of America business account for {$710.00}. I contacted Bank of America and let them know this charge was fraudulent my card were missing and the transaction was unauthorized. On XX/XX/2023 Bank of America sent a letter denying my claim. They have not provided any factual information showing the charge was valid ( because it was not valid ) they have not reached out for more information on the dispute they did not take into account my police report nor my federal trade commission report. Bank of America is attempting to hold me liable for a fraudulent transactions with no valid reason as to why.
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 XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, has violated my rights.

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

I have 1 previous addresses that is totally wrong I never lived there and there are 3 charged off accounts that are not correct that status is wrong
Product: Credit reporting or other personal consumer reports

RECENTLY I CHECKED MY CREDIT REPORT AND I NOTICED SOME FRAUDULENT ACCOUNTS ON MY REPORT, CAN YOU PLEASE REMOVE THOSE FRAUSULENT ACCOUNTS FROM MY CREDIT REPORT, BECAUSE THEY ARE AFFECTING AND HARMING MY ABILITY TO OBTAIN CREDIT RIGHT NOW.
Product: Credit card or prepaid card

It took me 4 months to apply for an AE credit card, and I am glad I got him. But I used it for 10 days, and the customer service cancelled the credit card because of a failed payment. I immediately called to explain the reason. The payment failed because my XXXX bank was closed. And I immediately changed another bank account to pay the money, and now I dont owe any money, and the credit card customer service at the time said in person that as long as I paid the money, she could help me reopen the credit card. I can continue to use it, but I didnt expect it to be closed the next day. I called in and asked. They only told me to re-apply, but my re-application was rejected. I only used it for 10 days and paid the {$150.00} annual credit card fee. I was very angry and felt that it was unfair to me, and the credit card customer service personally said that I can continue to use it! But it did not materialize. Need to be able to get help from your company again! Thank you
Product: Student loan

I contacted XXXX XXXX XXXX in XX/XX/XXXX after I received a notification that I had only made XXXX qualifying payments toward my Public Service Loan Forgiveness program. I called them to ask about the number, since it should be much higher, closer to 90 payments at that time. I refinanced my loans to enter the program in XX/XX/XXXX, and have been with qualifying employers the entire time, paying under repayment programs that qualify as well. I asked them to review the number of payments. I called again in XX/XX/XXXX when I didn't receive any response to my first inquiry. I was told that it wasn't properly submitted, and that they would ensure it was submitted for review now. I called again in XX/XX/XXXX and again in XX/XX/XXXX, asking for updated. I was told it was still under review. I called yesterday ( XX/XX/XXXX ) and was again told that it is still under review. I asked about timeframes for these reviews, since my forgiveness will be coming up in XX/XX/XXXX. The person stated that their policy is to finish these reviews in 90 days, but due to so many requests, they are prioritizing them by those who are coming into forgiveness first. I asked when my date comes up, am I required to still make payments if they haven't completed the review. She stated yes. I asked how is that possible when I made requests over a year ago now. This company needs to get its act together.