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

a joint account with a XXXX XXXX from XXXX XXXX XXXX XXXX, XXXX, Florida XXXX. has been identified with theft since XX/XX/2015 to the current present day. I have reported this to Federal Trade Commission an the United States Supreme Court for the illegal activity has been going on with I XXXX XXXX XXXX and XXXX XXXX for the culprits are felons from XXXX County Florida, XXXX County, XXXX County XXXX, and XXXX XXXX XXXX Florida. is stealing and embezzlement and money laundering through the XXXX XXXX XXXX  XXXX XXXX of Mr. XXXX XXXX.
Product: Payday loan

the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account ( s ) are accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate " XXXX XXXX  opened on XX/XX/XXXX for $ XXXX {$710.00} which was paid and closed, XXXX XXXX XXXX XXXX on XX/XX/XXXX for {$8900.00}, and lastly XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for {$240.00} ''.
Product: Checking or savings account

{$970000.00} of Cashier checks were stolen after sending from my Wells Fargo XXXX account. Since I have submitted many requests to Wells Fargo many times to investigate their fraudulent clients that support the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has stolen all the cashier checks I have sent. Wells Fargo has decided to cancel my checking accounts and have stated that it is my responsibility to investigate their fraudulent clients. There is no evidence that Wells Fargo has investigated these fraudulent clients. Therefore, I am requesting an investigation and response from the CEO of Wells Fargo that they are not interested in investigating these stolen cashier checks. Wells Fqrgo must be responsible to return to me the {$970000.00} in stolen cashier checks by asking the XXXX cashiers to return the stolen checks. Attached is the list of cashier checks. Thank you. XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX my wallet was stolen and a rental car was taking out on my card using my id, the id and the debit card had two different names on them but was still able to be used, at the rental car company. I called and disputed the charges and they told me that it would take 10 days to investigate. After the XXXX  days I was not contacted or sent a letter stating the findings, XX/XX/XXXX they put my account in a negative balance of XXXX $ and said that there was nothing else they could do about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters, disputed, called and notified my credit bureaus that this is a result of identity theft. My wifes ex sister in law was staying at our house when we were out of the state and this was opened and had access to our bank account cards. My XXXX email was hacked and breached and to my understanding was used to correspond with this company. My wife and Is phone were hacked and flashed for our number and it took getting new phones to resolve this. We had to stop payments on this when my wife balanced the check book and realized money wasnt balancing and there were multiple withdrawals for this including having to get new cards and accounts etc. Its my understanding also that the address used was XXXX XXXX XXXX XXXX but we moved in XX/XX/2018 to XXXX XXXX XXXX XXXX and utilized our XXXXXXXX XXXX XXXX  account. Its my understanding that the calls on the original loan have voices from multiple different people. This loan shows refinanced and it was my understanding that this was to be closed and removed but it looks like someone got to run off with the money and I did not take this loan with my knowledge or consent. The contract I have seen only once stated interest in the amount of something like 188 % which I dont believe to even be legal. They are stating I owe {$2500.00} to them and this is a result of identity theft. I just recently learned my rights and have asked them to remove this after the XXXX account and Equifax breach along with my drivers license and wallet being stolen from me at work. I have had multiple loans with my credit union and would never need a loan with this insane interest which is predatory to say the least.
Product: Checking or savings account

I opened two savings accounts with Capital One on XX/XX/2023. I made my first deposits ( {$100.00} ) to both accounts. Both were immediately frozen the following day. After a few weeks, my funds were still listed as currently not available for withdrawal. I assumed it was normal for a new user, but after a month of having this message, I began calling Capital One to inquire about the status of my savings accounts. 

The number provided on their account message ( XXXX ) directs you to Capital Ones Customer Service line. After clarifying my accounts information, it directed me to a customer representative which is actually a voice message that instructs you to leave you name, number, and issue as a voicemail and wait for a call back. Another week went by and I had not received a call back, nor access to my savings. 

It is now XX/XX/2023 and my savings accounts are still not updated. I have called Capital One several times, using different lines listed on their site to get someone to clarify what is happening. I have not received a consistent response. On XX/XX/XXXX, I was told that it could take up to 60 days from the account being frozen to receive a check after theyve investigated my account. I do not know what could be investigated being that I only made one deposit. It has also now been more than 60 days ( it has been 90+ days ). 

I need answers to these circumstances as I have been in the dark since XXXX. I have not had access to the money I deposited nor do I feel comfortable continuing my savings relationship with the bank.
Product: Credit card or prepaid card

i had a card with Capital One and just made my payments today. They promised to send me a new card as they deactivated mine as I thought it was lost and lost it in the house The old number is XXXX XXXX XXXX XXXX and it is current as I just paid my monthly payment of {$30.00} this morning but they keep sending my card to an old address of XXXX XXXX XXXX, XXXX XXXX, Florida. 

I asked them to change my address but they refused to do so. They send me bills to my current address of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida but refuse to send me my new card. 

They say that XXXX  XXXX XXXX, XXXX XXXX, Florida is not the name on file but I changed it many times with them over the phone and they agreed to change it but now not willing to do so, so I will never get the new card. 

I just called Capital One today at XXXX XXXX XXXX but they are not willing to change the address. I just made a payment today. 

I have no card because I changed my address and they are not willing to change it but promised to do it. My social security number is XXXX. They read me a bunch of numbers of cards I never even ever had that I am unfamliar with.
Product: Credit reporting or other personal consumer reports

I am disputing the inaccurate reporting of a charge-off account on my Experian credit report. The account details are as follows : Account Name : XXXX XXXX  Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Closed. {$810.00} written off. 
Status Updated : XX/XX/XXXX Balance : {$0.00} ( Balance updated on XX/XX/XXXX ) Credit Limit : {$350.00} Highest Balance : {$810.00} Payment History for XX/XX/XXXXXXXX XXXX XXXX  ( Charge-Off ) The balance of this account is {$0.00}, and it is closed, yet it is inaccurately reported as a charge-off. This negatively impacts my credit score. According to the Fair Credit Reporting Act ( FCRA ), all information must be accurate and up-to-date.
Product: Checking or savings account

US Bank IRA CD Requested transfer to another bank ( XXXX ) on XX/XX/2023 at renewal date of XX/XX/2023. After numerous calls and requests and faxes sent from XXXX to US Bank, as of today XX/XX/2023 the transfer still has not been processed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Removal of Late Payment Due to XXXX Hardship Dear Mercedes Benz I am writing to request the removal of a late payment from my account [ Account Number ] XXXX dated XX/XX/XXXX and XX/XX/XXXX Due to the financial hardship caused by the XXXX pandemic, I was unable to make payments as scheduled. Under the CARES Act, I request that this late payment be adjusted or removed in light of these circumstances. 

Thank you for your consideration and understanding. 

Sincerely, XXXX XXXX
Product: Debt collection

I recently had my credit report run and and in the findings was a charge from CitiCards CBNA. The only date it shows in XXXX XXXX with a {$8000.00} limit. Below this it states that the card is OVER THE LIMIT at {$8200.00}. It was reported to my credit report that an account is now over the limit. I do not ever recall opening this account as I do not know what Citicards CBNA is. I have never been approved for anything as high as {$8000.00} nor have I ever been able to charge anywhere close to the amount.
Product: Checking or savings account

I received on XX/XX/XXXX a notice that was included with my monthly statement. This statement notified me of changes to my account. The changes were to be in effect on XX/XX/XXXX. I  believe that any changes to my account should be sent to me, in writing, 30 days before the change takes place. Huntington Bank. XXXX XXXX, Ohio. I have talked to a bank rep on the phone today and she was to file a complaint and send me info on all of our accounts. ( My husbands ' and mine ) I am not sure that I can trust this bank to do the right thing, that is, make the changes 30 days from the date of notice. I can not find a date on the notice paper that was sent, but it was included with my monthly statement. I also wonder about how short the actual inactivity fee can go. They changed it from 2 years on a savings account to 12 months. These changes have not affected us at all but I think that down the road things will progress to the point that they will be benefiting from customers naivety. 
Thanks for your timely response, Huntington bank customer.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate removal of a charge-off entry from my credit report within 4 businesses days which appears to have been reported inaccurately and in violation of several provisions of the Fair Credit Reporting Act ( FCRA ), along with other applicable laws. Specifically, I am referencing violations of 15 USC 1601, 15 USC 6801, and 15 USC 6802, which govern the privacy and accuracy of credit reporting and information management. Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX Account number XXXX As stated in 15 USC 1601, the purpose of the Truth in Lending Act is to promote the informed use of consumer credit, ensuring transparency and fairness in the reporting and assessment of credit information. The charge-off in question does not reflect my accurate credit history and, therefore, is in violation of this acts consumer protection standards.

Furthermore, as outlined in 15 USC 6801 and 15 USC 6802, financial institutions are required to establish and maintain proper privacy protections for consumers. The inaccurate reporting of this charge-off violates my rights under these statutes, as it improperly discloses information about my credit status that may not be accurate or in compliance with the law. These sections further stipulate that unauthorized or inaccurate reporting of personal financial data is prohibited. 

I kindly request that you thoroughly investigate this charge-off entry and remove it from my credit report if it is determined that the reporting does not meet the requirements set forth by the aforementioned laws. In addition, should you find that the charge-off is accurate but still being reported incorrectly or beyond its legally permitted time frame, I request that you take the necessary action to correct or delete the entry accordingly. 

Please inform me promptly of the actions taken in response to this request, and do not hesitate to contact me should additional information or documentation be required. I trust that this matter will be resolved in compliance with federal law and in a timely manner. 

Thank you for your immediate attention to this issue.
Product: Bank account or service

My name is XXXX XXXX, I have been using the XXXX XXXX Rush Card ( debt card ) for the last 18 months, I am XXXX of the XXXX that has not received my paycheck, I have had my bills cut off, and not they are talking about my car being late on payment with that, also my car insurance has lasped. I do n't know what else to do, my HR dept, ca n't give me my money because they ca n't get the money back into their account so they can send me a check back. I live from paycheck to paycheck, and there is no savings on my end, so what I get every two weeks, is all I have. Please help me, and the XXXX other people that are in the same predictament.
Product: Payday loan, title loan, or personal loan

I received a loan with Mariner Finance. I made more than the monthly payment on my first month and my balance did not reflect it. I was told in XXXX of XXXX that my payments were current until XXXX of XXXX. I wanted to pay the principle as explained to a Mariner finance. She explained making payments online will go towards the monthly payment. When I said I want to pay my " principle balance '' in XXXX and XXXX my balance was still not correct and found my payments current until XXXX XXXX. I would like the finance and interest charges from XX/XX/XXXX to XXXX XXXX returned. 

XXXX  closed my case because Mariner Finance employee was able to copy and paste their previous message when I asked for specific calculations. I feel wronged and I need your help. 

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally raise my concerns regarding Zelle 's handling of disputes, especially in light of the recent CFPB lawsuit, which highlights significant issues with the platform. Despite using Zelle on numerous occasions and reporting discrepancies, both my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering lost funds was impossible and that tracking these transactions was not feasible. The CFPB 's findings show that Zelle has not only failed to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is deeply troubling and raises serious concerns about consumer safety.
Product: Mortgage

I am XXXX  XXXX, have a XXXX XXXX XXXX ; reading and writing is very difficult ; I am on social security XXXX  -- using the computer is very difficult XX/XX/XXXX Mortgage Company Mr. Cooper is my loan service. When Cooper took over servicing my loan, I wrote a letter asking for public accommodation, modification to policies and procedures so I can call my payment in each month and XXXX waive its {$20.00} over the phone payment fee. My file was noted I am XXXX   XXXX and XXXX and the {$20.00} convenience fee was waived. 

My account was assigned to the Escalation Department and originally I spoke to management of this area who assured me there is no fee for making payments by phone. 

Last month I called and used the computer with assistance of a service rep XXXX it took an hour to find a simple task ). I don't remember if my account was logged in. I learned that once an account is logged in, it sends a message through the computer system that customer is able to use the system which is FALSE. I use a screen reader and I have great difficulty composing letters ( takes forever ) due to my XXXX XXXX. SO NO, USING THE COMPUTER IS NO GOOD FOR ME. 

.XXXX XXXX, XXXX I called to make my mortgage payment as usual and the representative stated there was not record I sent a letter to Mr. cooper mortgage asking for fee waiver and from this date forward a {$20.00} convenience fee would be added for calling my mortgage payment in. I was offered methods of payment that do not work for me. 
1. Pay by check. I do not receive my social security check until the end of the month and it takes up to 15 days for the mortgage company to process my check. So this doesn't work, 2. Pay online -- It is very difficult for me to use the computer and my ability to read. So this doesn't work. 
3. Pay via auto withdraw. I can not always pay my mortgage on the same day and time each month due to other bills ; I am on a limited income and have to pay bills as I am able. So this doesn't work either. 

The customer rep stated she had no record of the ( attached ) letter and the mortgage company would waive the convenience fee of {$20.00} this one last time. She said was was aware of the Americans with Disabilities Act but the mortgage company has alternate methods of payment and therefore they comply with the ADA. 

I need to be able to pay my mortgage by phone or I will be severely put behind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 
XXXX XXXX XXXX Balance {$11000.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXXXXXX XXXX XXXX Balance {$5600.00}
Product: Credit reporting or other personal consumer reports

Please remove and block.

Since I never gave permission for these false accounts to be included on my credit report, I humbly ask that they be removed. You must take immediate action to delete this false information from my files.
Product: Credit reporting or other personal consumer reports

ATTENTION EQUIFAX! 
My name is XXXX XXXX and I currently reside at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA, XXXX. My date of birth is XX/XX/XXXX and my Social Security Number is XXXX. I am writing to you regarding a few discrepancies I have encountered in my credit report. I am a victim of identity theft and I need your help to remove these fraudulent accounts from my credit file. While checking my credit report, I noticed an account I did not authorize made by the following that I will be listed below. I did not authorize any of these employers/employees at these companies to approve or view my credit report. This is a serious breach of my privacy rights and violates the Fair Credit Reporting Act 605B. I would like to request that these accounts be immediately removed from my credit file that Equifax has under my Social Security Number. I am requesting that you place an immediate block on the following fraudulent information in my credit file within 4 days of receipt of this correspondence. Also, I found a fraudulent address. Please block this fraudulent information per section 605B, 615 ( f ), and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act.

FRAUDULENT ACCOUNTS! 
XXXX XXXX XXXX : {$30000.00} Balance updated : XXXX XXXX, XXXX Credit limit : {$30000.00} XXXX # : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving XXXX  XXXX Balance : {$0.00} Balance updated : XXXX, XXXX Credit limit : {$3000.00} Account number : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving XXXX Balance : {$4300.00} Balance updated : XXXX XXXX, XXXX Credit limit {$4000.00} XXXX # : XXXX Open/closed : Open Date Opened : XX/XX/XXXX Account type : Revolving FRAUDULENT ADDRESS! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX, Capital One, XXXX XXXX XXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. 

Please remove this fraudulent account. 

Account Balance {$630.00} CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I had received multiple advertisements from Mariner finance and when I was in a tight spot I applied. I was offered XXXX but didn't need that and took XXXX. I've paid on time every month and sometimes twice a month for over a year. My payoff amount is 3 times what I borrowed and discovered I was pay for extras including life insurance. They have made this loan impossible to payoff and they are making 3 times their money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reporting company asurint used my criminal history over seven years ago and now I was disqualified from two job opportunities. I called the company and was told that since I live in Florida they can use any criminal history no matter how long ago it was according to your website anything over seven years can not be reported so I'm not sure if they are correct. 
Thanks XXXX XXXX