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

I will start off by saying I am a previous XXXX XXXX XXXX XXXX. I feel like each time I have a situation that is out of my hands that involves needing a banker, I have a hard time getting good customer service because of this. I feel like they are discriminating against me because of me being a previous XXXX that they may not necessarily like or agree with. However when it comes to bank errors, I do not feel like I should be treated like an employee but rather a customer.. 
The most recent happened today. Over last year. I randomly have paper statement fees hit my account. I believe today was the 4th or 5th time. I have asked more than once for an audit of my accounts to make sure that all of my accounts have the fees being waived. Each time I call in, I am being told that it is something on my end and that they will be willing to waive the fee just one more time. They are constantly asking to remote into my phone to verify that I am not lying when I tell them how my online banking is showing.. However when I ask them what I am doing they can not give me an answer.. Today when I asked what would happen If I got a fee again the employee told me they would have to escalate it to a department higher to figure it out, And/or the fee would not be waived again. I asked if they would just escalate it today so that this is not happened later.. I was constantly put on hold so that the employee could talk to her manager, with whom I have had problems with in the past. The first employee told me she would escalate it but then the XXXX came on the phone And through our conversation she told me She never said she would escalate it and that that first employee was not being truthful, But she can note the account of our conversation. She also told me this would be the last time. They have a fee reimbursed even though they don't know why I'm receiving them.. This is just XXXX of many situations that I am constantly having a problem with.. Last month I had a problem with fraud on the account and I was told to call the XXXX # Because the manager doesn't like when the employees help me out. The XXXX number told me it sounded like a branch issue and I went back-and-forth trying to get help wasting my time. I was also told that I needed a contact XXXX in regards to my dispute even though I am not the one that committed the fraud, they expected XXXX to help me, which of course XXXX declined. A time before this I was shorter {$2000.00} while doing a withdrawal which I understand happens however as the cash was being given back to me, i was Told I need to be more Careful And not just take the cash being handed over the counter because next time I won't get my money back... Even though they were aware I was the customer that they shorted.. Apparently because I was an employee I should know better and the customer service is on a different level. 
I am stuck with having my checking accounts at US bank because my mortgage is there. However I would like my Home branch to be transferred to a different location, I no longer want to deal with this branch or this manager.
Product: Credit reporting or other personal consumer reports

Under the stipulations of 15 US Code 1681i ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, TransUnion, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the record information. This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite my previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my 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 creditor. 

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

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Citi inconsistently continues to change dates of delinquencies. I have requested statements from them showing the accuracy of information and have yet to receive anything from them. They only say that the information has been validated with no physical proof. It leads me to believe that both accounts are being reported inaccurately. The constant updates they make continue to drop my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft/fraud.

I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX   XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, EQUIFAX, XXXX XXXX XXXX   XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/XXXX, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX, XXXX XXXX XXXX   continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.
Product: Debt collection

I am being sue my Citibank for {$2000.00} XXXX XXXX dollars credit card I have with XXXX XXXX on XX/XX/2022. According to XXXX company citi bank hired them to sue me, lawsuit. XXXX couldnt prove the dates they contacted me, when ask why couldnt you call me and let me know, they reply we send u a letter. I never received a letter. Its was almost XXXX someone knocked on my brothers door to deliver a summons for me. Since my brother notify me, I have had XXXX XXXX Trauma and I cant sleep. I am a single mom trying to stay afloat in this horrible times. I have no message from Citibank or XXXX prior to this letter. I have made payments on this credit card but not able to keep up with the demand of rent and childcare. I have to appear in court on XX/XX/XXXX which now I have to miss work. I leave in fear now because I am worried what will happen to my child if I am not able to pay on court date. I am not able to afford an attorney to represent me. I am so scared. Citibank shame on you {$2000.00}, a single mom trying to make ends meet, my heart hurts for my son. I do not know where else to turn. XXXX XXXX and thanks Citibank my records are now published on the public website and I am being harassed by others.
Product: Credit reporting or other personal consumer reports

Experian has failed to to fullfill its legal obligation under the XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputesd information on my credit report leaving inaccurate or unverifiable accounts XXXX CFPB has recently filed lawsuits against Experian, alleging systematic issues such as falling to foward cosumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. XXXX failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. XXXX requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inactions violates federal laws and my rights as. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I made and uninformed decision when I applied for this card. It wasnt clear to me. ( law 15 USC 1602 ) So the agreement is fraud and a violation. 

Also They dont have permission to report on my consumer report with out my permission. 

XXXX bank ( XXXXXXXX XXXX ) XXXX XXXX bank ( XXXXXXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX  XXXX XXXX XXXXXXXX XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. XXXX ( XXXX. XXXX ) XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am a XXXX XXXX XXXX female I have rights under 15 USC 1681. Equifax is govern by 15 USC 1681. And I feel like they violated my rights numerous of times. I demand the account listed on my report to be removed. According to 15 usc 1681 : I have the right to privacy and I didnt give Equifax written permission to furnish those accounts.
Product: Credit card or prepaid card

I was paying payments for a trip through cash app. I paid {$100.00} XX/XX/XXXX, XX/XX/XXXX {$260.00},, XX/XX/XXXX {$260.00}, and XX/XX/XXXX {$260.00}. I was told my trip was confirmed. Then she said it was cancel and they gave us a better deal. Today I called XXXX  and was told flight was canceled XXXX received full refund. She never told me I was refunded. Today I asked her about it and she said the flight was still on. I asked for my ticket number and she can not confirm it. Then she text and said she will confirm Sunday. Cash app and my bank ( XXXX XXXX ) will not help
Product: Credit card or prepaid card

I had purchased a vehicle from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX. The contract was for me to pay biweekly on the car loan which was to call in and make a payment on the scheduled date. If I'm late they would also call me for a reminder to make a payment. I started to notices transactions I wasn't making on my credit card around XX/XX/2020 so I contacted BANK OF AMERICA and informed them and they offered to cancel the card, send a new one and refund me for the purchases that I didn't make. A few weeks past and it happens again, a purchase made on my card that I didn't make, I contact bank of America and they will send me to there claim department and I would have to wait on there phone line for HOURS to reach an agent and no one would answer the phone line. I have been trying to reach them for weeks regarding these purchases and still NOTHING. I had canceled my card and got a new one and random purchase would still continue to happen on my account. I canceled my card about 5 different times. I have not been able to reach the BANK OF AMERICA claim department after the agent would verify my account. I got so angry and fed up I seek out to try to find the person who was responsible for these random purchases. So I started to contact the stores these purchases were being made at. They gave me the name of a person that works for XXXX XXXX XXXX. This is the same person who has been taking my car payment over the phone. I quickly filled out a police report on their employee and XXXX because I trusted XXXX XXXX with all my personal information. This person called me and told me her information was hacked by someone in her family and they somehow got my personal information which is completely unbelievable because I thought I was doing business with only XXXXXXXX XXXX XXXX After finding out my personal information was so exposed to anyone to get ahold of I started to reach out for help. I really want to stop doing business with XXXX because I'm super afraid of who has my personal information now, I would like to return the vehicle and receive a refund because this has destroyed my confidence and trust of knowing my information would be safe. They had put me in so much debt and trouble by me having to invest so much time in trying to get help and still BANK OF AMERICA have not refunded me. XXXX and their employee have stolen {$3800.00} of unauthorized purchases made on my BANK OF AMERICA CREDIT CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I check my credit through experian 's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to experian, XXXX and XXXX  directly, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from experian stating that my information was on the dark web. I was also affected by the XXXX  breach. I have attached the identity theft report along with my social and drivers license.
Product: Student loan

I submitted an IDR payment plan switch. I received notice that my plan was not approved due to lacking a signature. I have been waiting months for this switch. I did the online application which allows you to simply check a button for a signature. I did this. Multiple people are being denied due to Mohela 's incompetence. Switch my payment plan!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, CREDCO add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, CREDCO add a hard inquiriy on my credit report per XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I opened a Paypal dispute with XXXX for a defective keyboard that I had purchased from them for {$17.00} on XX/XX/year>. XXXX originally refused to provide a free return label for an item that was clearly delineated/marked as having free returns. XXXX did initially send me the return label, so I had closed the Paypal dispute at that time. After sending the item back, and having the return shipment confirmed as been delivered according to the USPS tracking, XXXX continues to refuse to confirm that the return has been received. Over 14 chat representatives have given me contrasting responses as to the current status of my return, saying it needs to be checked by the specific warehouse that received it to they never received it and are still waiting on the return. I tried opening the Paypal dispute again, but Paypal is refusing to citing no real terms as to their arbitrary denial of reopening for the dispute. I have yet to receive a refund for my return for a defective item from XXXX.
Product: Checking or savings account

I disputed XXXX unauthorized charges to Chase Bank. They opened a dispute yesterday and within 24 hours closed the case and said there were discrepancies with my dispute and felt they no longer needed to investigate further. I never received any correspondence until I called. I did not receive my provisional credit of {$1600.00}, I asked to speak to a supervisor and was left on hold for almost an hour. I went to the local bank and was told they have nothing to do with their fraud department and could not help me. The merchant is called XXXX. It is an online casino. I spend a great deal of money on their site and make many purchases daily but never more than $ XXXX at a time. The charges on my account are {$740.00}, {$390.00}, {$250.00}, {$99.00} and {$99.00}. I am a single mother with XXXX XXXX  children. I can not afford to lose this amount is money it is literally a mortgage payment over an overseas company illegally charging my card with no repercussions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX, VA had forced place insurance on an auto loan " jointly '' owned by myself and my ex husband XXXX XXXX. I called in and provided XXXX XXXX with proof of XXXX and paid $ 70.00+ to ensure the account would not incur and issues. I was advised the forced placed insurance amount would be fully credited back to our account and there would be no issues moving forward. Recently I pulled my credit report and saw that they had reported to Trans Union 10 Late Payments from the date of when we last spoke. This information is INCORRECT. I have tried to communicated with them and ask for them to correct this error and they refuse. I was told that " they '' were not aware all of the forced placed insurance would not be refunded and therefore it left our account with a small balance of roughly {$270.00} which projected a small increase in payments. We were never made aware of this and therefor though payments were being made and made on time they continued to report to our credit bureau and not advise us. When I asked why they never contacted me I was told since I am not Primary they had to call my ex husband first and never got a hold of him. Why did they not exhaust all forms of communication? This account is mine as well and they had ALL of my information including an email address. They neglected to contact me and insist this is not their fault.When you have two borrowers on a note both are responsible and both are to be contacted. But yet they contradicted themselves stating they did foresee the refund amount not being fully refunded and they never stated why they did not contact me. If you look back on my 16 years worth of Credit History there are no late payments. So their breach of duty and negligence has caused issues with my Credit Report and is impacting both my ex husband and I in a negative way. I find this to be immoral and poor business practices. They by all means should correct this ERROR they made and be sure to have our Credit Reports corrected as well.
Product: Checking or savings account

On XX/XX/17, my savings account was charged a {$5.00} " maintenance fee ''. I have had this same savings account for over four years, and have never been charged a maintenance fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX : {$360.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$850.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE NOT GIVEN ANYONE consent to my nonpublic personal information nor have i given any 3rd party consent to furnish a report. Please be reminded, no consent is identity theft. Please remove the following : XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX Please promptly remove this data within XXXX business days pursuant to 15 USC 1681-c-2 to avoid any further legal proceedings. Thank you for your timely compliance!