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

Discover bank requires a SSN to open a checking account and does not allow the use of an ITIN. Spoke to multiple agents who all said that I simply would not be able to open a checking account ( despite having a credit card and savings with them ). 
It also states on the bottom of the application that they need either of the XXXX, not necessarily a SSN : " Important Information To help the government fight the funding of terrorism and money laundering activities, federal law requires financial institutions to obtain, verify and record information that identifies each individual and entity that opens an account. 

What This Means for You - When opening an account, we may ask you to provide your name, address, Social Security Number or other Taxpayer Identification Number ( " TIN '' ), and other information that will help us to verify your identity. You may also be asked to provide a driver 's license, state ID card or other identifying documents. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the findings of your recent investigation into XXXX XXXX Bank XXXX Account # XXXX. Your investigation, as outlined in your correspondence dated XX/XX/year> failed to meet the standards required under Section 1681o of the Fair Credit Reporting Act ( FCRA ).

Under Section 1681o, consumers are entitled to recover damages resulting from negligent noncompliance with the FCRA. Your failure to conduct a reasonable and thorough investigation constitutes a clear violation of this statute. Specifically : 1. Failure to Investigate Submitted Evidence : I provided [ list specific documents, evidence, or supporting materials ] on [ date ]. This information appears to have been ignored or inadequately reviewed during your investigation.

2. Inaccurate or Incomplete Findings : The conclusions reached in your investigation do not align with the evidence I provided or the facts of the matter.

3. Negligent Noncompliance : Your investigation process did not meet the standards required by the FCRA, as it failed to reasonably ensure the accuracy and integrity of the reported information.

I request that you immediately re-open this matter and conduct a proper investigation. Additionally, please provide me with a detailed explanation of the steps taken during your initial investigation. If you fail to address this issue adequately, I reserve the right to pursue legal remedies as provided under Section 1681o, including recovering damages caused by your negligent noncompliance. 



Please confirm receipt of this letter and provide a response within [ state a reasonable timeframe, e.g., XXXX days ], as required by law. Should you require additional information, feel free to contact me directly at XXXX, XXXX. 



Thank you for your attention to this matter.
Product: Debt collection

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

On my report there is a closed account with huge amount of missed payments. SEARS/CBNA Its not mine account. 
Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SEARS/CBNA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

Date of Issue - XX/XX/2018 Ally Bank is using a credit reporting agency ( XXXX , XXXX ) that is providing inaccurate information about consumers credit history and causing Ally Bank to deny credit to consumers based on bad or inaccurate information. 

There are numerous reports online about XXXX, XXXX providing inaccurate information on them, and also many complaints specifically siting Ally Bank as the company that is using XXXX , XXXX for services. Many are stating that credit scores from XXXX are significantly lower than from XXXX of the big three agencies. And many complaints mention receiving denial letters specifically from Ally Bank, like myself. This is infuriating people! 

I have what is considered excellent credit and I protect it well. As a result, I have my and my wife credit on freeze with the big three credit bureaus ( XXXX, XXXX, and XXXX ). We took these steps because in today 's age, no one can keep our information safe from criminals and this step had to be taken. 

Why is a company like Ally Bank using a company like XXXX , XXXX when it appears they can NOT provide accurate information on consumers credit? Why? 

I called Ally Bank and tried to talk to someone and explain what happened and I got no where, so here I am writing this formal complaint against Ally Bank to this agency. 

To make matters worse, I am a current Ally Bank car loan customer who is two payments away from paying off a car loan with them and have always paid on time every month. So Ally is XXXX off their existing customers. Again - I HAVE OUTSTANDING CREDIT, and yet I receive a denial letter from Ally Bank making me think there is a serious problem, when really the ONLY problem is a company they are choosing to use, and Ally themselves. I will never again authorize any car dealer, or other institution to use Ally Bank again on my behalf, and I want a written apology letter from Ally Bank about this letter of denial I received. Shouldn't Ally Bank try to be a professional and reputable company and only use institutions that can provide accurate information about valuable customers and consumers? Is this too much to ask?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXXXXXXXXXX XXXX XXXXXX/XX/2021 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 XX/XX/2021
Product: Checking or savings account

Reference current/unresolved complaint against XXXX XXXX, cfpb Complaint $ # XXXX filed XX/XX/XXXX. XXXX has sent the chargeback to US Bank putting my checking account overdrawn by the disputed amount of {$720.00} which was charged on overdraft fee of {$36.00} for a total of {$760.00}. Please refer to the cfpb Complaint referenced above. I believe the client is engaged in fraudulently keeping the two custom tables I made and shipped to her as well as procuring a complete refund via a questionable chargeback claim. As a result of this fraudulent chargeback, XXXX XXXX via We Pay has debited my US Bank account. I have tried to rectify this chargeback/overdraft with USBank with no action on their part. Also, I have never authorized, nor signed up, for overdraft protection with US Bank. My major concern is that my Social Security benefit will be direct deposited on XX/XX/XXXXinto my US Bank checking account. With the existing overdraft, my check will be wiped out leaving me no funds for the month of XX/XX/XXXX. The circumstances at this point in time make this my only source of income.. According to Section 207 of the Social Security Act ( 42 U.S.C. 407 ) my Social Security benefits are protected from garnishment by US Bank or XXXX XXXX. US Bank at this point in time is intentionally slow walking remediation. They have refused to expedite the manner in any way other than by mailing a form to me at their convenience. They are in effect preventing me from submitting the necessary information to mitigate this fraudulent chargeback. US Bank is not guaranteeing me protection of my Social Security funds and has alluded that they will use them to offset a chargeback they were not authorized to make.
Product: Consumer Loan

Charging late fees with no reason : Payments made on time claiming excessive and unfounded late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018, your DEPT OF ED/NAVIENT student loan account balance increased by {$3600.00} from {$3200.00} to {$6900.00}. 

i dont understand, they keep playing with my information it goes up and down and they always want more. i cant pay this also ive paid thousands of dollars in student loans already, also never finished the program. i dont understand why they want more and more. it is impossible and i have my loan on forbearance and yet they over charge when its suppose to be frozen out my account for a year. 

can they just keep over charging people because they want to. 

ive called and all i get is hung up on ..
Product: Checking or savings account

I opened a new bank account in XX/XX/2023 with Citizens Bank. The bank teller, XXXX XXXX XXXX has proven she is unfit to handle money. 

OnXX/XX/2023 I made a cash deposit of {$600.00}. Before I left I checked the receipt and noticed it was not deposited into the correct bank account. She put my money into a complete stranger 's account. At first she questioned if I knew my account number and didn't want to admit her mistake. I got the manager involved and he fixed the problem and was able to reverse the money back into my account. 

Also, on XX/XX/ she missed place {$100.00} of my deposit. Every time ideal with this teller she losses my money. She tries to tell me that she balanced the books, and I'm wondering if she's pocketing my money or if she's putting it somewhere else and somebody else 's account again. Unfortunately for me, when I left the bank I had a doctor 's appointment to run too and I did not catch her error until after the bank was closed. 

This {$100.00} was for my business account as a nonprofit founder. These were donations, not my personal money. This money is meant to pay my bills so I can continue to help other veterans. And, XXXX XXXX misplaced XXXX funds. The amount I deposited was {$590.00} ( one check for {$200.00}, XXXX XXXX {$100.00}, XXXX XXXX  {$20.00}, XXXX XXXX {$5.00}, XXXX XXXX {$1.00} XXXX {$590.00} ). If needed, I can provide a list of donor 's names and the event information where these donations were collected.
Product: Checking or savings account

My payday was on Thursday XX/XX/year> and as of XXXX EST Friday XX/XX/year> Capitol One has not made the funds from my direct deposit available.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information that appears on my credit report. I have noticed that there are collection accounts listed under my name from XXXX XXXX and Jefferson Capital Systems, which I believe are inaccurately reported and are not mine. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute information that I believe to be incorrect. Specifically, Section 611 of the FCRA [ 15 U.S.C. 1681i ] provides the right to dispute incomplete or inaccurate information. I request that you investigate and remove these incorrect entries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/18 XXXX XXXX  XX/XX/18 XXXX XXXX XX/XX/18 XXXX/XXXX XXXX XX/XX/18 XXXX   XXXX/XXXX XX/XX/18 All of these companies have been added to my credit report without my permission Ive fine called all of them and they said it would be disputed and off my credit report in 30-90 days and it has been that long since I contacted them and they still havent been removed from my report.
Product: Debt collection

In XXXX of 2021 my husband and I moved out of a property managed by XXXX XXXX XXXX ( operating as California Investors ). The property had been lived in for 12 years and had a higher amount of wear and tear than most properties. Upon move out we were sent a itemized statement totaling over {$5000.00}. I have attached the edited version of the dispute letter sent to the collection agency. The charges were reduced to {$4400.00} however several items disputed were never addressed. We were not supplied with proper documentation ( receipts missing for most charges, photos missing for some charges, charging for items covered by wear and tear ). A 30 day notice to vacate was given but original creditor is still charging rent for that month. No response was given to original dispute, I had to reach out to the original creditor to attempt resolution. I asked for a debt validation from the collection agency ( Hunter Warfield ), and was sent the same information previously supplied. It was incomplete, missing receipts, some additional photos included but again my disputes were ignored. I drafted a formal dispute letter to the collection agency ( attached ) to dispute the amount owed again and before being able to send it I was notified the debt is now on my credit report. I have made it clear at every step that the amount owed is disputed.
Product: Checking or savings account

I deposited a check drawn on the same bank into the ATM checking account XX/XX/XXXX. The bank gave me none of the money for immediate use. Now it is XX/XX/XXXX XXXX XXXX and they have still not credited my account. Even though if I physically still had the check, I could walk it right down to the bank and cash or deposit it and get full use of it right this second. So my money right now is lost in the banking system and I have no access to it. What good is the ATM for making deposits if it just going to make it more difficult to gain access to my money. Somethings wrong with this and I have not had any food to eat for over 24 hrs because I ca n't get my money. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

In the previous letter I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. CAPITAL ONE BANK US ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Product: Credit card or prepaid card

My credit card was skimmed / stolen and there were many fraudulent charges on my card. Barclaycard US identified the charges as fraudulent and removed them from my account. 10 days later the fraudulent charge posted. I called to get it removed, so they credited me. Then they posted the charge again. So I called again. They removed it once again. Then it posted ... again. So I called and they removed it ... for a third time. Then the charge posted once again. I have called 7 times and no one will help me resolve this issue at Barclay and it is incredibly unfair I am being charged for a fraudulent charge. Barclay has acknowledged that I should not be responsible for the charge but they still will not remove it even after they say they will and I have no idea what else I can do at this point which is why I am filing this complaint.
Product: Credit reporting

For every day in which I am unable to utilitze the online service to file a dispute with Experian Credit Monitoring Service, I will be submitting a complaint. On XXXX XXXX, 2016, I received an email from Experian Credit Monitoring Services indicating a change to my credit report. I logged into this service, in which I am paying a fee for each month, and attempted to dispute the information that has been reported to the credit bureau ( s ) as per Experian Credit Monitoring Service ; however, when I attempted to do so, I received a notification online indicating that I am not allowed to submit a dispute online, and that a reason can not be provided to me. Two documents have been attached to this complaint submission, one document showing the email notification I received from Experian Credit Monitoring Service, and the second attachment is the notification I receive when I attempt to dispute the information reflected in my account with Experian Monitoring Services.
Product: Credit card

It is attached in the letter. They prematurely closed my account without reason or explanation and forced me into liquidation and financial hardship and duress.
Product: Credit card or prepaid card

Synchrony Bank offers store-specific credit cards. We have two credit cards, one for Lowes and another for XXXX XXXX. Both cards offer a promotional no interest for 12 months, and the Lowes balance is {$0.00}. When making my monthly payment for the XXXX XXXX card, it was applied to the Lowes credit card. That would mean that the XXXX XXXX card automatically incurs fees ( interest fees and late payment fees ). 

I suspect that Synchrony Bank is purposefully applying payments to the wrong card so they can charge fees. 

Note : The bank representative corrected it when I called, but it still smells fishy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went a pulled my credit and there are some items that are not mine. I filed a report with the FTC and the police. Im doing this on my own behalf. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

put complaint through this agency and you closed the case attempted contact again with Barclays bank they said they only correspond through postal mail and dropped my case and your agency just closed without resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. What's going on there at the CFPB and at Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, XXXX, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. I also contacted the bank and they agreed to not report the accounts on my file. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

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

On XX/XX/XXXX XXXX XXXX, TX XXXX Also, On XX/XX/XXXX XXXX XXXX, FL XXXX On XX/XX/XXXX XXXX ( no information given on credit report ) On XX/XX/XXXX XXXX XXXX, XXXX ( no information given on credit report ) On XX/XX/XXXX Conn Credit Corp. pulled my credit.

I request that you initiate an investigation into [ inquiry sources name ] inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your assistance in this matter,
Product: Bank account or service

On XXXX XXXX, 2016 at XXXX a Treasurer of the XXXX XXXX XXXX of XXXX, MA received an email requesting the wiring of {$3600.00}. The email looked like it came from the XXXX President due to the return email address matching that of the XXXX President and the signature in the text. The email was actually a fraudulent email and the XXXX President had not sent it. 
Believing the funds were needed for a XXXX project, the Board Member went ahead and wired the money to a XXXX XXXX XXXX with an account held at Wells Fargo Bank, XXXX XXXX XXXX, XXXX, MS XXXX at XXXX on XXXX XXXX. 
Several hours after the transfer was complete, the Board Member realized that this was a fraudulent email and notified and filed a report with the XXXX Police Department. 
XXXX was already closed, so the Board Member was unable to contact them until the morning of XXXX XXXX. 
On XXXX XXXX at XXXX XXXX sent Wells Fargo a service request to let them know about the fraud. 
Wells Fargo responded at XXXX EST that the service request had been received. 
At XXXX EST on XXXX XXXX, {$3200.00} of the {$3600.00} was withdrawn in person at the Wells Fargo Bank on XXXX XXXX XXXX in XXXX, MS . 

Wells Fargo, in communication with the Detective on the case, noted that they did not begin the process to put a hold on the account until XXXX XXXX. This is 24 hours after they were notified of the fraudulent activity. 
Additional funds were removed from the account through XXXX XXXX. Thus, the account was not put on hold on XXXX XXXX as stated by Wells Fargo. 

Wells Fargo notified XXXX that no funds were available for return on XXXX XXXX, even though the remainder of the funds, in the amount of {$450.00}, continued to be withdrawn from the account through XXXX XXXX. 

We have documentation from Wells Fargo and XXXX that supports all the above information.
Product: Mortgage

On XX/XX/2018, I was informed by the Director of Mortgage Operations that I would received a refund of {$500.00} after my mortgage closing. On XX/XX/2018 I received a check in the mail for {$450.00}. After contacting the Director of  Mortgage Operations, I was informed that I would not be refunded the additional {$58.00} because of the type of loan I received.