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

I have experienced my worst banking experience as a result of dealing with Wells Fargo online representatives, and supervisors. As Power Of Attorney, I have attempted to close XXXX matured 48 months Time Deposit Accounts, and have the funds transferred to an account, which is titled in the same name as the TDA 's. On XXXX XXXX, 2015, I was advised this would be done, and would. take a few days. The transfer was not made. I called again and spoke with a supervisor who apologized, and promised she would take care of the transfer. Eventually XXXX account was closed and put into the savings. The other XXXX was not closed, and disappeared from the online profile. I made several other calls and spoke to supervisors who promised to close the account and make the transfer but never followed up.I called again on XXXX XXXX, spoke with a supervisor XXXX XXXX, who apologized, said he was not like the other supervisors, and ensured me the transfer would take place. Like the other Supervisors he did not follow up. 
Here we are nine days later. I spoke with a representative who said his name is XXXX. I asked to speak with XXXX XXXX. XXXX put me on hold. He returned and advised me the TDA had rolled over and I had to go into the Bank. I told it, it was not my fault since I had been calling since XXXX XXXX, 2015. He then said as POA, I could not request the telephone transfer even though the funds were going into an account with the same title. I told him none of the many representatives, and supervisors I spoke with gave me this information, and asked him why XXXX TDA was closed, and transferred. He said it was a mistake. I stated that the supervisors needed to be retrained, and at this point my request should be accommodated. XXXX agreed with the retraining, but did not agree to accommodate my request. As of XXXX/XXXX/15, I have not gotten any results. 




I would like to have this account closed, and transferred to the savings account with all accrued interest included. All supervisor and representatives should ask themselves, how They would feel if this happened to them. I think they would agree this is horrible, unacceptable service. 




Thank You, XXXX XXXX POA, For XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

About 2 years ago I filed a chapter XXXX bankruptcy where my student loans were not forgiven. On the credit report with all three credit reporting agencies ( transunion, XXXX, and XXXX  ) refuse to remove bankruptcy on all my closed XXXX accounts. They claim the loan provider XXXX verified it was discharged in bankruptcy. This is not true. My loans where discharged through XXXX from XXXX  for being a XXXX veteran. I called XXXX  numerous times and the have sent over proof they were closed due to XXXX but reporting agencies have continued to report bankruptcy. Im considering a class action lawsuit if not resolved. On a seperate complaint I have 18 hard inquires due to fraud they refuse to remove too
Product: Mortgage

XXXX XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX claims to have a valid transfer / assignment to our mortgage loan that complies to the National Mortgage Settlement Agreement. The allonge previously provided has an incorrect property address and does not contain the legal description of the property.
Product: Credit card or prepaid card

The Chase United Airlines Explorer card is offered with incentives that frequently change. I chose {$250.00} credit + XXXX  miles if we each spent {$3000.00} in 3 months. I did. Chase gave me {$250.00} credit but only XXXX miles. Chase has refused to provide the additional miles even though I have a screen shot of the XXXX miles incentive.
Product: Debt collection

In XXXX 2009 I joined XXXX XXXX XXXX in XXXX Indiana. About a year later I moved to XXXX which did not have a club with the same company so I could not continue my membership. This was turned over to collections and I made over 20 phone calls and finally the owners son was able to help me by finding my cancelation and he got the calls stopped and it did not apear on my credit. Now the company Affiliated Acceptance corp XXXX reported to my credit. The business is closed and they can give me no way to contact the business to get proof I canceled properly and they refuse to take it off my credit. HELP!
Product: Debt collection

Last year I checked my credit report and found the debt listed with different companies. I disputed them all through the credit bureaus and it was removed. A year later which is now a different company reported this debt to my credit files and when I spoke with a person from their company he it was my debt and I must pay or it will destroy my credit which it has since it keeps being reported then taking off. They ended up sending me a paper that showed Diagnostic and codes. I had my ssn used years ago so its hard telling what that person did. Also SSN and DOB are so easy to get now of days i don't trust anyone just becasue they have that. I believe they have crossed HIPPA Laws in some way. Why would they keep removing and adding it? So they can keep hurting my credit! Its wrong especially when the credit bureaus removed well over a year ago. 
Company is : Debt Recovery Solutions
Product: Debt collection

I was involved in a motor vehicle accident. I went to the emergency room for treatment and gave my insurance details. I had health insurance. Instead of billing the insurance company the hospital sent me the bills. I repeated told them to bill my insurance company. After few months I hired a lawyer. My lawyer called the hospital to bill my insurance company. Despite my and lawyers repeated calls to bill my health insurance the hospital sent it to collection company. I do not remember receiving any call from them. I found out about the collection debt when I applied for a home equity loan. The emergency doctor who treated me in the emergency room billed my insurance company and he got paid. This is an unfair, aggressive and illegal debt collection practice. The hospital is XXXX Medical center in XXXX XXXX TN
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX, XXXX, and Equifax 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 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. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My income taxes have been took in full for the last 4 years and my stimulus check and that mo ey is for my kids it says they con o ly take 50 % from a person with a family but they take 100 % of my check and 60 % of my pay roll I gave XXXX children at home and a wife the person receiving the money is working under the table not paying taxes at her father XXXX  office and she makes over XXXX a year and she still get government assistance because the XXXX  is her father friend and her XXXX XXXX XXXX XXXX is her friend from high school I'm being railroaded and my kids are getting the short end of the stick
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX has been reported as follows : XXXX XXXX XXXX  ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXXXXXX XXXX XXXX XXXX  ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS LATE PAID. XXXX, XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. XXXX ACCOUNT NUMBER XXXX BALANCE - ACCOUNT OPENED ON XX/XX/XXXX REPORTED AS COLLECTION UNPAID. 

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 an 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 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 written letters to exeter llc letting them know that this vehicle loan was opened fraudulently and is not mine. This account is showing up on my credit report and is not mine and no credit agency is taking it off no matter what I have told them about account being opened fraudulently. I had advised exeter llc that I request that they provide evidence that I must pay exeter in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
Product: Checking or savings account

First Citizens Bank has illegally withheld funds after the closing of my account. My account was closed because I informed them of an employee who was illegally changing my address.

First Citizens owes me money from a refund.

I have requested to speak with a member of leadership to arrange to obtain my funds. First Citizens Bank is refusing to have someone from leadership call me to make arrangements for my funds.

First Citizens Bank has failed to add the interest to the funds they illegally withheld.
Product: Checking or savings account

InXX/XX/XXXX I had opened up an account at the branch and they were offering a promotion to refer customers to HSBC. Each new account customer gets a {$250.00} bonus for being an " Advanced Checking Customer '' if acct is funded with $ XXXX. 3 months go by and I following up with bank that it still missing. They credit the account with {$100.00} and missing {$150.00}. I contact the bank again. They said it takes 8 weeks to post after the acct is opened for 3 months. After 5 months still not resolved. At 6 months, we follow up again and they said give it another month. So I've already placed at least 5 phones calls to the branch and main number. On XX/XX/, we call HSBC main number and they find the wrong promotion code is entered and file an investigative report. Said to give them a week and they will call back. I called them on XX/XX/, and they have no idea what is happening and still not resolved. I am filing a complaint in that they are misleading people to opening accounts but will not commit to the advertisement. They hold onto your money with no one taking charge to resolve the case. You can't close your account as they hold this issue open as hostage and charge you a penalty if you close prior.

This the 2nd complaint I'm filing as they have said they will escalate and then closed the case before it was resolved. When I called in and I had the customer service representative, XXXX to note on the account that my mother, XXXX, to be given full authorization to discuss all aspects of this account as I was traveling out of the country and yet they would not disclose the resolution to her. Because they did not fund the account in a timely manner, I was likely hit with charges while traveling abroad. They should reverse any account charges as if the funds were there. 

Very poor customer service. They refuse to provide a number to call into the corporate office. They would only provide an address to write in and it may take 30 days to get a response.
Product: Debt collection

This was from years ago. My bank blocked payment from an online casino deposit on XXXX. I paid last year to get it removed off my credit report. Now it appears 3 times again on my credit report.
Product: Credit card

Accounts were opens and used in my name Tried disputing them with the company and they stated I did not have enough information to give them and are continuing to call me for payment
Product: Debt collection

I chatted back about CFPB XXXX the {$42.00} debit isn't valid because the books have been already returned and it's too old to be sent to y'all to handle from XXXX I required y'all to stop trying to collect the debt and close the account out and send it back to XXXX XXXX. Client Account Number XXXX and Accounts Receivable Resources Account XXXX
Product: Bank account or service

I got scammed in XX/XX/XXXX. The scammer had me made payments to her Bank of America account on XXXX different dates : XXXX/XXXX/2015 for {$6800.00}, XXXX/XXXX/2015 for {$19000.00} and XXXX/XXXX/2015 for {$16000.00}. The account 's holder name is XXXX XXXX. I filed a fraud claim with XXXX XXXX on XXXX/XXXX/2015 but no replies from the fraud department. I also had filed police report, FBI report ( IC3 ) and FTC report. Since I did n't get the diplomatic package in the mail as promised, I should get my money back. The whole thing was a fraud.
Product: Debt collection

THIS COLLECTION XXXX XXXX CREDIT COLLECTION SERVICE IS REPORTING INACCURATE INFORMATION TO MY CREDIT REPORTS WITH THE CREDIT BUREAUS.THE INFORMATION THAT THIS XXXX XXXX COLLECTION AGENCY IS REPORTING IS NOT CORRECT AND INACCURATE AND MUST BE DELETED IMMEDIATELY.HOW MUCH DID THE COLLECTION COMPANY PAY FOR THIS INACCURATE ITEMS THEY ARE REPORTING IS UNKNOWN AND NEITHER DOES MY CREDIT REPORTS REFLECT SUCH AMOUNTS. THIS IS A CLEAR VIOLATION OF THE FCRA AS THIS IS NOT ACCURATE OR COMPLETE. SINCE I DO NOT KNOW ANYTHING ABOUT P AND C, THEY MUST DELETE THIS IMMEDIATELY!!
Product: Credit card

CitiBank refuses to honor their printed terms and conditions to give me XXXX Thank You Points for every dollar spent on a cruise charged to my CitiBank Thank You Premier credit card. Their written terms and conditions ( T & C ) state : XXXX Thank You Points for every dollar you spend on purchases at ..cruse lines. Further down on the T & C it specifically states : " Cruise lines are classified as merchants that provide passenger transportation on the open sea or inland waters for the purpose of vacation or pleasure and operate predefined and advertised routes ''. 
My credit card charges ( dated XX/XX/XXXX and XXXX/XXXX/15 ) are listed as for " XXXX XXXX XXXX '' in a category called " MISC AMUSEMENT / RECREATION SERVICES ''. The total amount of the XXXX charges is $ XXXXCitiBank says that even though this is a cruise, because their system code for this charge was NOT a cruise code, they will not honor their terms T & C. They say they have sent this matter XXXX to their dispute department and my request has been rejected XXXX. They also tell me if my car repair shop ( or anyone else ) sent in a charge with the cruise code I would get the XXXX points per dollar spent. CitiBank says it is not their problem if something is mis-coded. They say the actual facts or truth as to what was charged does not matter, nor do their T & C. Only the coding matters.I disagree and look forward to assistance from your office in this matter.
Product: Credit reporting or other personal consumer reports

I AM UNAWRE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVED PROPER NOTIFICATION PLEASE PROVIDE THE CERTIFIED MAIL AND RECEIPT WITH MY SIGNATURE ON THERE STATING THAT I RECEIVED IT. COMPANY IS SHOWING THIS AS A CHARGEOFF ACCOUNT BUT 1099C FORM OR CERTIFIED MAIL WITH RECEIPT NO RECEIVED.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Maryland FCRA Laws Dear NATLCRSYS, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXX XXXX Maryland. 

It has unequivocally come to my attention that NATLCRSYS has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX 's identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for NATLCRSYS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NATLCRSYS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NATLCRSYS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Payday loan

I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to the department of Education back in XX/XX/XXXX I was told if I submit documentation that I was having extreme financial difficulties to send in my paperwork and they would remove the late payment from XX/XX/XXXX. I sent all the necessary paper work and a letter to explain I was having a mental break down during XXXX. My mother passed away from XXXX XX/XX/XXXX, I was in a XXXX  XXXX, I was diagnosed with XXXX in XX/XX/XXXX I was back and forth in the emergency room because they had no idea what was wrong with me. In XX/XX/XXXX my XXXX daughters were in a terrible car accident my XXXX  daughter almost lost her eye and needed XXXX  XXXX. I explained this to them I sent in my mothers death certificate and a copy of the accident with my daughters names listed and copies of their birth certificate as proof I was their mother. The department of education still refused to remove the late payment from XX/XX/XXXX. 
I also sent a dispute letter to XXXX, Experian and XXXX for the following violations : CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
MY RIGHTS HAVE BEEN VIOLATED! FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer report which CONGRESS clearly states IS NOT to be included on my CONSUMER REPORTS.
Product: Credit card or prepaid card

They closed my account and still have over XXXX in there and cant use it
Product: Debt collection

You are trying to contact me at my job for about 3 weeks now. I have sent an e-mail on XX/XX/2019 to your company asking you not to contact me at my job. This is an illegally practice.
Product: Debt collection

Starting, XX/XX/year> XXXX. and XX/XX/year> at XXXX. and XX/XX/year> XXXX. XX/XX/year> XXXX. till XXXX. speaking with, XXXX and XXXX trying to find out why, I'm being charged so much for my car insurance, I still have been giving and answer. 
I spoke with, XXXX for the president office on XX/XX/year> who call me back the XXXX stating that she haven't investigated why of yet and will call me back. I contacted this person back in XX/XX/year> and its been over a month and not a word. 
My payment is due the XXXX and as of yet, I find myself still waiting. 
I will not continue to payout my money and not know what I'm paying for or why?? 
USAA has not tried to help me resolve this matter and without any avail it looks like their 're going to.
Product: Credit card

On XX/XX/XXXX a person attempted to open a credit card with JPMCB Card Services ( Chase ) using my information. A credit check-hard inquiry- was placed with XXXX without my consent. Thankfully, the application was declined. I have a fraud alert with XXXX until XX/XX/XXXX. I was unaware of this inquiry until a second attempt on XX/XX/XXXX with same company ( Chase ). This time XXXX XXXX notified me that a hard inquiry was placed again with XXXX. I immediately contacted JPMCB Card Services at XXXX and they verified it was fraudulent and declined the application. They did send me information on how to protect my identity. Also, they said they would contact XXXX to report the inquiries were fraudulent. I did have to create another report for the first hard inquiry as it was not identified as fraudulent. In both cases, I had a fraud alert with XXXX and Chase did not check with me prior to proceeding with the credit checks.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A.

Section2. It also States consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting XXXX on my credit report also Experian which XXXX erased because of 15 USC 1681 ( c ) 15USC 1692 ( f ) and 15 USC 1692 ( c ) cease and desist which should have gave the same results as the other bureau also XXXX is reporting a XXXX XXXXXXXX which no long have a account with my credit account see attachment this needs to be removed immediately