23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was hired by XXXX, XXXX in XX/XX/XXXX. I was provided a corporate credit card ( XXXX ) to which I should apply all work-related travel expenses as well as expenses incurred as a remote employee. 

I was laid off by the company in XX/XX/XXXX. At the time, there were outstanding expense reports that I had submitted, but had not been approved. With the layoff, I lost the ability to sign in to XXXX XXXX and so was unable to view my submitted reports. 

I started receiving calls from XXXX shortly after being laid off stating I needed to work with XXXX  to have the balance paid. I attempted to do so, and after several emails ( email thread will be submitted as part of this complaint ), a company representative responded that, " As of XX/XX/XXXX all items on XXXX 's account have been submitted, approved and sent for payment. '' I received another call from XXXX on XX/XX/XXXX about a remaining balance of {$680.00} and contacted XXXX by email again to say that XXXX was expecting payment from XXXX by XX/XX/XXXX, and if XXXX  expected me to pay the outstanding charge, it would need to provide me documentation of what they were claiming was my responsibility. 

I heard nothing further from the company nor from XXXX so I assumed the matter closed ... until this morning, XX/XX/XXXX when I received a call from XXXX XXXX XXXX ( XXXX XXXX ) stating I owed XXXX $ XXXX and that a XXXX representative stated I was responsible for the charges. I told the agency that I am not responsible for the charges and that they would need to provide documentation of any outstanding charges XXXX deemed " personal '' in nature. The agency rep responded that XXXX XXXX, XXXX 's Assistant Treasurer, told them I am responsible, but did not provide any further documentation about the case. 

I am unable to access XXXX systems, nor can I access transaction info on the XXXX site since the card is cancelled and has been sent to collections.
Product: Mortgage

I had a Home Equity about to go into repayment, I stopped at a branch to ask as question about if the loan would remain a fixed rate. The sales pitch began and I agreed to a loan for a larger dollar, filled out the app and supplied ALL info asked for. I received a call saying I was approved. A few days later I decided that this new loan would not be in my best interest. I called the branch and left a message for lender that I was no longer interested and I 'll just let the account go into repay. I received messages following up and I 'm sure a likely attempt to change my mind.TODAY I received a denial letter saying they regretted that after carefully considering my application they are unable to approve for these reasons ... credit application incomplete and failure to supply requested additional information. XXXX untrue, I denied them! My complaint is the impact and concern that this denial may impact my credit report and if so that needs to be corrected. I would call the Bank but want to make sure no other customers receive a denial letter when they were n't denied nor have their credit report impacted.
Product: Credit card or prepaid card

My balance is incorrect. It is about {$400.00} more then what I spent. This is the XXXX time they have done this to me. They tell me it will take 90 days for them to figure this out. I do not have 90 days to wait for my XXXX back. I can not afford to pay the bill and I do not want my credit score to be impacted.
Product: Checking or savings account

Wells Fargo lost my account information and refuses to fix it. I can not transfer money out of my account without physically going into a branch during a global pandemic. They 'investigated ' the issue for over a month and concluded that there is nothing they can do other than have me open a new account, which also requires me to go in person to a branch. 

Wells Fargo is a bad actor. They fraudulently open accounts in my name and then refuse to fix their error. Then they have the gall to suggest that I open another account as the only remedy.
Product: Debt collection

I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the I am writing to formally request that you cease all communication with me regarding the debt associated with PORTFOLIO RECOVERY A Last reported XX/XX/year> {$1600.00} Open balance Fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt, and I am exercising that right with this letter. 
Please consider this letter as my formal request to cease all communications with me, including but not limited to, phone calls, emails, letters, and any other form of contact. Failure to comply with this request may result in legal action as allowed under the FDCPA.

Please note that this letter does not acknowledge that I owe this debt or waive any defenses I may have regarding it. Furthermore, this letter does not permit you to report inaccurate information about this debt to any credit reporting agency. 
Thank you for your cooperation in this matter. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is illegally deleting then reinserting fraudulent debt! They reinserted XXXX XXXX XXXX inquiry, they are also listing XXXX XXXX XXXX amount is incorrect, and the delinquencies need to be removed, also XXXX XXXXl all delinquencies and remarks were remove equifax added back all of the account and delinquent remarks without notifying me by mail within 5 days prior to the reinsertion! Equifax has violated the FCRA federal law! I submitted my ID theft affidavit listed the fraudulently accounts and equifax deleted them, but now have reinserted the accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # ending in XXXX XXXX XXXX, has violated my rights. 

In regards to my previous dispute it has been over 30 days and they have failed to provide the documentation into this investigation. 

The credit agency did not provide any valid proof to deny of my claims. They just validated my complaint that they provided information to the credit collection agency without my explicit written consent. If my signature is on file giving creditor the explicit consent to furnished extremely detailed reports to consumer reporting agency I would like to receive a copy of that document for my review. If said document can not be provided within 15 days these alleged late payments should be removed expeditiously. 

15 USC 1681 Section 602 States I have the right to privacy. Creditor is not allowed to disclose detailed information to a consumer reporting agency with my express written consent to do so. Once again creditor did not provide this document with my written consent. Until they can provide this document I reiterate that these allege late payment be removed expeditiously 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I have not provide any written instructions to any agency to complete this transaction. I am requesting proof of a written signature acknowledging my formal consent. If you can not provide this proof of wet signature, you are obligated to remove all late payments from my credit report within 15 days.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. Creditor violated my right be reporting alleged late payments to your agency which under law they do not have the right to report as a transaction.
Product: Checking or savings account

Dates : XX/XX/2021 Amount : {$700.00} Actions taken : I was robbed for my unlocked phone, and the suspect then emptied my bank account. I filed a police report, still have not received my money back. Just trying to fix this situation! 
The company, Citi Bank hasnt done much since.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems, There is incorrect personal information on my report that I am requesting to be updated and corrected - attached to this complaint are : - Letter - Drivers license - Social security card - Address Please have these inaccuracies corrected.
Product: Debt collection

To whom it may concern, I am writing to formally report two fraudulent accounts that have been listed on my Equifax credit report as a result of identity theft. I did not open these accounts, nor did I authorize anyone to open them on my behalf. The details of the fraudulent accounts are as follows : Account Name : XXXX XXXX XXXX XXXX Account number : XXXX I became aware of these unauthorized accounts on XX/XX/year> and I have taken immediate steps to secure my personal information, including [ mention actions youve taken, such as filing a police report and freezing my credit. 

Please remove these fraudulent accounts from my credit report, as they do not reflect my credit activity or financial responsibility. I have also attached supporting documentation, including a copy of my identity theft affidavit, police report, and any relevant communication with the creditors involved. 

Thank you for your prompt attention to this matter. I trust that this will be resolved quickly to prevent further harm to my credit standing. 
Sincerely XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax shows all of my open accounts as last reporting/updating as of XXXX and XX/XX/2021. Even my current report, as of XX/XX/2021 shows incorrect reporting data. I've reached out to my creditors and every company informs me that they report EVERY month and have obviously reported properly. 

My report also shows an account twice from XXXX XXXX XXXX which has been in dispute for fraud as the account was opened fraudulently. I've filed a police report with the XXXX, an FTC Identity Theft Report for that. 

With this issue, Equifax is falsely providing an incorrect credit score to any potential creditor with not updating my accounts properly.
Product: Prepaid card

Got a gift card a few years ago ( XXXX or XXXX ), and haven't been able to 'activate ' or use since the numbers of the card and the numbers at the back apparently don't match. 
Tried filing a report online TWICE, and no, I'm not going to send a copy of my SSN, but the photos of the front and back of the card was sent along with my driver 's license. I got no reply. 
Tried calling the number on the back - after several tries of being on hold for an average of an hour, when I do finally get someone, the line cuts off, and they don't bother calling back, which makes me think this is a way for them to scam people.
Product: Credit reporting or other personal consumer reports

I've asked this company to remove this account from credit before and they fail to do so. As a consumer they are violating my rights a consumer. I never signed a agreement with XXXX. Please provide wet signature where I signed an agreement with XXXX. I only signed an agreement with the apartment complex not XXXX. National Credit system is violating my rights as a consumer. Please send all Original Account -Level documentation ( OALD ) Also send when the account was bought and also send proof of title and ownership that National Credit Systems owns this account and how much they purchased this account. National Credit Systems have 30 days to provide me with all the information I am requesting. After I receive the information I am requesting I will be going to XXXX XXXX XX/XX/XXXX. I never signed an agreement with XXXX at all. 15 USC 1681 states written permission has to be given for an account to report on an individual credit report. I did not give written consent for National Credit to report anything on my credit file. Please remove account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an official grievance against Experian situated in XXXX. XXXX XXXX XXXX, TX XXXX. This company has continuously disregarded my consumer rights under the Fair Credit Reporting Act and has resulted in me much unwanted financial AND mental distress. For starters, they're reporting a Fraudulent, flawed & unverifiable account on my credit document and in addition, an account where my personal information was compromised and charges included without my consent. To make it even worse, I did not benefit from anything whatsoever in these fraudulent charges. Below is the fraudulent account that I need to be deleted : XXXX XXXX XXXXXXXX, Opened Date XX/XX/2014, Highest Balance {$630.00} Regardless of my goals to resolve this unpleasant nightmare for a number of months now, Experian has entirely ignored my interactions and legal submissions to delete this FRAUDULENT information from my credit document. I am well aware of the many, various other issues filed towards this company for their illegal and shady business. Yet still, in some way, this company is still in business. This company 's unprofessional & negligent habits has made lots of extreme harm, not only to my ability to establish credit & good interest rates but also to my persona as a Professional and as a person. Please help me, and the countless other consumers just like me, to put a stop to the performance of these dishonest & immoral business techniques asap. I genuinely respect your time and service in this matter and hope to hear from you very soon. I am attaching the previous Letter I sent to this company as well as proof that I am a victim of identity theft.
Product: Checking or savings account

On XX/XX/2020 a total of {$6300.00} was stolen out of my TCF Checking account. I reported the theft IMMEDIATELY. I reported the theft while it was actually occurring. 

On the same day, I submitted a dispute to TCF. 

On the following day, XX/XX/2020 - XX/XX/2020, I submitted additional details to TCF including a policy report, IP Address logs, phone numbers, etc and explained that the funds were stolen by a person who fraudulently claimed to work for XXXX XXXX 

On XX/XX/2020, TCF informed me that they were unable to assist me in refunding my money because a " third party service '' was involved.

This is incorrect and it shows that TCF did not review the facts of my case. There was no third party service involved. There was only a person claiming to work for a third party involved.

I would like for TCF to refund my {$6300.00} because the funds were stolen. 

Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, 2017 I sent a letter to Capital One/ Neiman Marcus  asking to investigate and remove the incorrect reporting of an account of mine. It currently reports as " Past due 30 days, two times. '' I sent my letter to the address that was listed on my XXXX credit report, which is the following : XXXX XXXX XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX 2017, that letter was returned as undeliverable. This means that the address furnished by the original creditor Capital One/ Neiman Marcus is reporting inaccurately. According to the Fair Credit Reporting Act, only ACCURATE and VERIFIABLE information may be reported on a consumer credit report and if it does not meet any of the aforementioned criteria, by law, it must be removed. Therefore, I am requesting that not only the negative remarks be removed from the reporting of this account from XXXX, XXXX and XXXX, but that they also furnish said reporting agencies with the correct address information to be reported.
Product: Student loan

I went to XXXX XXXX XXXX in XXXX NV, and they promised to be able to have a job for me by when I graduated. It's now been over 10 years and XXXX XXXX XXXX is now closed. I have been there multiple times even after graduation up to 2 months before the school closing down. I still work as a security guard and navient is threatening myself and my mother to pay a ridiculously amount of money. My mother is on social security and I make very little money to support my family. I explained to them all my bills also letting them know I have child support being taken out of my check, and naviant stated to me, " that is not my problem, you should not have gone to school if you can't afford it. They should stop having poor people go to school ''. and they continue to threaten with ridiculous amount of money and saying if I don't pay they will ruin my life/credit and my mother 's. I am afraid to answer my phone Everytime it rings. My wife and I are talking about divorce due to not being able to repay this. I do not know what I can do and I feel I was defrauded by not only XXXX XXXX XXXX but also by naviant.
Product: Debt collection

Called called me looking for XXXX I informed them that was not me and then they said good, this must be XXXX  her daughter I said who are you? They went on to say My name is XXXX XXXX I'm calling from main resolution group XXXX XXXX owes a debt of {$3400.00} XXXX  since she has until this evening at XXXX o'clock to contact them or she will be put on a schedule l To have charges filed against her I was informed that I was welcome to pay this amount on her behalf to prevent her wages from being garnished. They would be continuing down the list of contacts to try and reach her. After refusing to identify myself they asked if I would verify the last 4 of her social security number to which I responded I do not know that information but the number that they gave me to verify was in fact her ssn, I did not verify this. They informed me that unless she called them before XXXX XXXX  today they would move on to the next person on the list to call which is XXXX XXXX XXXX who could not possibly be contacted as she is a toddler. I hung up with them at XXXX XXXX  XXXX. 
This number has called XXXX  as well with a similar rhetoric two times as well.
Product: Debt collection

I have disputed this account as a fraudulent account. I filed a police report, signed an affidavit and submitted an FTC Complaint. Since then the original account from XXXX XXXX XXXX was removed from my credit file. But also since they have sold the account to 3 collections agencies. 1st- XXXX XXXX XXXX 2nd- XXXX XXXX and now 3rd to I.C Systems. I have not received an communication from the collection company or else I would have told them it was fraud. I should not have to be subject to my private information being used and sold to a potentional fraudster. I am a victim of ID theft and this account should have never been able to be sold for a 1st 2nd or 3rd time. 
**** Please Note the Fraudulent account was removed each time from each collection company. However the I.C Systems account which was placed on my credit file in  XX/XX/2019, was not. ***** This account needs to bee removed from my file again for the 4th time. Im going to have the Consumer Financial Protection post/pin this information because I am sure I am not the only one that this is happening to. Having to send my personal documentation every time XXXX XXXX XXXX and their 3rd parties try  to asesnate my character has become more time consuming and costly and it is affecting my good name and ability to manage my personal well being.
Product: Vehicle loan or lease

my vehicle was repossessed in the spring of 2021 by Bank of America, after that the vehicle was sold at auction and charged off as and debt profit and loss write-off on my credit report. Bank of America is claiming a balance of {$9200.00} on my credit file. This is incorrect because at lease off the vehicle I purchased a Gap insurance policy. Which Bank of America collected after repossessing and selling the vehicle. So for almost 3 years they have reported false and erroneous details on my credit report. Which resulted in a drop off my XXXX XXXX, resulting in me being denied working in my industry, housing, and the purchase of another vehicle. Ive submitted over XXXX disputed with Bank of America and they've denied them all knowing that the balance was paid in full by the gap insurance policy I purchased for the vehicle. Bank of America has done terrible and shady business with me and violated my rights under numerous State and Federal laws. In the corresponding attachments you will see the original loan agreement with the {$840.00} Gap insurance policy highlighted. Noted this is my 3rd complaint filled with Bank of America thru the CFPB and each complaint is still pending 30 days after submitance with no correspondence from Bank of America.
Product: Checking or savings account

XXXX XXXX I deposited a check into my business account at Citizens Bank. Previously I have deposited multiple checks into my business account with my business partners name and signature as well as my own.The check was from a vehicle that I just sold which are all of the checks that I deposit are from vehicle sales. Citizens has verified the funds from the institution the check was drawn and cleared the check. XXXX XXXX Citizens Bank has received the funds from the deposit but placed a hold on the check until XXXX XXXX stating that because my partner was not on the account and there was a double endorsement there was a hold placed on the check. I checked daily to see if the status had changed and made multiple calls I was told the funds couldn't be verified so I called the issuing bank and I was given a number to provide to Citizens for verification of funds. Citizens bank then decides to extend the hold until XX/XX/XXXX. Still claiming the back office is reviewing the check.This was done but each time that I called in the representatives continue to change the story from unable to verify the funds, double endorsement, this is a business account, the back office is reviewing the check. Multiple representatives have told me that the bank can just keep extending the hold but won't give a reason to why they would do this. I went back to where I sold my vehicle and asked for the check to be cancelled or return my vehicle.The company gave me a print out showing that Citizens bank had received the funds XX/XX/XXXX so they are unable issue a new check of give back my vehicle. XXXX XXXX I went into the Citizens Bank in XXXX MD and talked with a bank and he told me that the back office just had a hold on the check. I called the XXXX number to Citizens and the representative told me that XX/XX/XXXX the decision was made not to cash the check and funds would be returned to the issuer XXXX XXXX. This is completely fine I can either get another check issued or go back and pick my vehicle up. XX/XX/XXXX. I stopped at the Citizens Bank in XXXX XXXX to get an update. Now the representative has told me that an extended hold was placed on the check until XX/XX/XXXX. Its already been settled that the funds were not going to be issued because of the endorsement but now Citizens is just refusing to return the check. Someone is pursposely extending the hold on a check thats not going be cash for no reason! After 30 days I'm unable to go back and get my vehicle and Citizens has taken the money and has their employees trained to make up excuse after excuse. Citizens Bank has really taken the position to steal my money and this seems completely okay with them. After making so many calls and listening to so many lies this has become draining. No one can answer as to why that are refusing to just give the check back.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.