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

Citizens Bank has repeatedly failed to respond to three claims of fraudulent wire transfers to another account at its bank. It was initially reported in-person at their XXXX, XXXX branch XXXX XX/XX/2022 to its branch manager, XXXX XXXX XXXX It was on that date that the fraudulent transfers were discovered. The subject account was originally opened and maintained at this location. 

On XX/XX/2022, I called Citizens ' customer service number ( XXXX ) to check on the report of the claims. I spoke with representative XXXX XXXX. She said she would escalate the claims. She also conferenced in XXXX XXXX to discuss. She took my phone number and said she would call me back. She never called me. I believe this is a recorded line. 

On XX/XX/2022, I called online services ( XXXX ) to follow-up on the claims and also emailed XXXX XXXX. The person I spoke with updated the notes on the account to reflect that I was calling for an update. 

On XX/XX/2022, I called online services again but wait time was very long. XXXX XXXX called me to see if XXXX XXXX has reached out yet. I let her know that I had not received a return call. 

On XX/XX/2022, I called online services again. I was advised that a claim had been open for two of the transactions ( Claim No. XXXX, dated XX/XX/2022 ) but not the third so another claim number ( XXXX ) was opened on XX/XX/2022. The representative informed me that I should receive a letter within XXXX days advising on the status of these claims. I never received a letter or letters confirming or advising on the status of these claims. 

Despite calls on XX/XX/2022 ; XX/XX/2022 ; and XX/XX/2022, I have yet to be able to obtain a status on these claims for fraudulent transfers. I have waited, at times, over an hour on the bank 's online services phone line without ever reaching any representative. I can only call since there are no Citizens bank branches in XXXX, where I reside.
Product: Credit card or prepaid card

Arrived home from vacation with a credit card opened in my name. The card is in my name and sent to my home address, but the originator of the card is an address in North Carolina. XXXX XXXX XXXX XXXX. XXXX, NC XXXX. I contacted Bank of America on XX/XX/2022. The account was closed and it was recommended I contact my local authorities, file a report with the FTC.gov, and notify the credit bureau to make sure the account is closed and removed and that no other accounts have been opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY REPORT SHOWS INQUIRIES I NEVER AUTHORIZED. 

XXXX XXXX XXXX XX/XX/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 XXXX
Product: Debt collection

While trying to renew my vehicle registration I was informed that I owed XXXX fees and to call the debt collection. When I called I was informed by the debt collection that I owe {$1500.00} since XXXX, a debt I have no knowledge of nor ever received any notices concerning this debt. I am XXXX and my car is a necessity to go to doctor visits, etc. I am currently on XXXX XXXX due to my XXXX and facing housing crisis. I can not renew my registration until the the debt is paid. I have requested verification of this debt and the company has refused to provide the misrepresented amount of this debt and has refused to provide me with their fax number. On XX/XX/XXXX, I wrote a letter as well requesting verification of this debt by certified mail. I am already experiencing major struggles and unable to pay the amount that this debt collector says I owe. I seek your assistance in resolving this matter in a timely manner.
Product: Checking or savings account

I had been employed through a company known as XXXX XXXX and XXXX XXXX. They were supposed to put funds into my bank account via direct deposit on XXXX but I was told by the bank I was part of the 1 % impacted by that " error. '' The funds hit my account a number of days later. About a week later, on the XXXX, the company put a redacted amount for the total payment made. They were able to take the money I had earned out of my bank account. I called the BOA about this and they told me I had to speak with the company about this money being taken out of my account. They could not give an explanation as to why they were able to take this money out of my account. When I asked if this can happen often they said this is a " one off '', however I have yet to recieve that payment for the company which is due to me for services rendered and BOA has been no help or resolution in the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the company a certified letter back on XX/XX/, and it was received on XXXX XXXX XXXX but I never got any response in regards to what I was asking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector many not communicate with a consumer in connection with the collection of any debt.
Product: Checking or savings account

On XX/XX/XXXX, I was notified of account closure with funds on the account which are not accessible and due to the account closure the funds are inaccessible
Product: Debt collection

On XX/XX/2022, a garnishment for the amount of {$300.00} was taken out of an account I opened roughly 4 months ago. This completely drained the balance of the account, that is only set up in order to receive a discount on a loan. I was not served papers or notified of this garnishment. I have not received any mail, phone calls, or emails about this garnishment. The information I received has my maiden name on it, which I have not had for over 12 years. My phone numbers haven't changed in 20 years, my email address has been the same for 12 years, and I have had another checking account active for over 18 years. They also could not confirm my previous address. They did not email me the information about the case that I requested. The first time I called the attorney 's office and asked a few questions, the gentleman I was speaking to hung up on me. I attempted to look up the court case in XXXX XXXX ( where they told me the judgment had taken place ), and there is no record available. That's not even the current county court, as I have no lived in XXXX XXXX in over 15 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Transunion requesting verification/validation on multiple debts that they are reporting on my Credit Report. I specifically stated in the letter " do not respond to my request by stating these accounts have been verified, but provide me with copies of the information you have in my file verifying/validating these accounts ''. Today XX/XX/XXXX I received a letter from Transunion dated XX/XX/XXXX with several of the accounts listed in my letter still coming back as verified or updated. There was no physical proof of verification/validation included as I requested. Under the FCRA it is my right to view what is in my credit file and being used as verification/validation of these accounts.
Product: Debt collection

XXXX debt colkector on behalf of XXXX lending called 2 of my cousins and said if i didnt call them they were going to have the sherriffs come XXXX me and i was in serious trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A COLLECTION NOTICE FROM AUDIT AND ADJUSTMENT I PAIDED THE COLLECTION IN WHICH IS WAS A MEDICAL COLLECTION..AMOUNT XXXX ON I WAS PAIDED MONIES BACK BY MY INSURANCE COMPANY AND THIS COLLECTION SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE IT WAS A MEDICAL COLLECTION.. I HAVE FILED A DISPUTE WITH EQUIFAX AND TO THIS DAY IT IS MARKED AS PAIDED BUT NOT REMOVED. ACCORDING TO THE NEW LAW A PAIDED MEDICAL INSURANCE BILL PAIDED BY INSURANCE SHOULD BE REMOVED..
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are falsely reporting account XXXX in the amount of XXXX.
Product: Credit reporting or other personal consumer reports

I kindly request a thorough review of these inquiries and immediate removal of any that were made in error or without my explicit consent. It is crucial that my credit report accurately reflects my financial behavior, and these unwarranted inquiries are undermining that.
Product: Debt collection

I checked my credit score and noticed a bill in collections for {$4900.00}. Called XXXX  and figured out the account was not made by me and it is identify theft. The lady I spoke too said the person made the account in XXXX. Ive had no knowledge of it until XXXX when the bill went into collections. She told me to make a police report, which I will do today XX/XX/XXXX and to make a report on this website. I also disputed it through the collections company which is Convergent, but they denied the dispute.
Product: Credit reporting or other personal consumer reports

i came across the CFPB Equifax LAWSUIT I feel i was negatively impacted hurting my chances at credit after receiving a response to my earlier dispute that accounts were verified come with the receipts or be quick to delete the accounts. XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXXXXXX XXXX I mailed a letter to XXXX XXXX requesting validation of a debt that they have reported to the credit bureaus : Experian, XXXX, and XXXX. 

In this letter sent on XXXX XXXX, XXXX I also requested that XXXX XXXX cease and desist communication with me. I mailed these documents certified mail and domestic return receipt ( see return receipt attached ). XXXX XXXX received these documents on XX/XX/XXXX. To this date, I have not received validation of this debt AND the debt still remains on all 3 of my credit reports. 

On XXXX XXXX, XXXX, I mailed my FTC Identity Theft Report to all three credit bureaus : Experian, XXXX, and XXXX. In XXXX, all three credit bureaus removed the account from my credit bureaus. But later that month, they inserted the XXXX XXXX account back on my reports. I requested verification of the debt by the credit bureaus, but NONE of the bureaus responded with the verification of the debt and they simply stated that XXXX XXXX have verified the account. I requested the documentation of the verification, but none could be provided. 

I am utterly uphauled at how XXXX XXXX, Experian, and XXXX have handled this matter. They are ruining my reputation by illegally reporting information to my credit bureaus. This illegal information have caused me much anguish and stress as I have struggled to buy a house for my family due to this inaccurate reporting of information. 

XXXX XXXX has not reached out to mediate this situation. They do not see the urgency mediating this matter. They have violated my federally protected consumer rights and they believe that they can get away with this without consequence. 

XXXX XXXX has had ample time to resolve this issue and they have done NOTHING!

I demand the immediate removal of this account from the three major credit bureaus and all secondary credit reporting agencies for violating my federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX  XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX Account XXXX : XXXX Please remove it from my credit report. 

16. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following personal information is incorrect XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

The list of accounts and personal information below has violated my federally protected consumer rights to privacy and confidentiality under the following : 15 U.S.C. 1681 602 ( A ) I have the right to privacy 15 USC 1681 and 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C 1681 604 ( A ) ( 2 ) : It also states a consumer reporting agency can not furnish an account without my written instructions. I have no knowledge of these companies and they shouldn't be reporting as I never gave permission for the reporting per Section 1681 ( A ).
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the v

ictim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report.

Here is the list of accounts/items that do not belong to me or were opened without my permission. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I do not have exact dates as this problem has been ongoing since    XXXX   XXXX   2016.  I am currently a   XXXX   XXXX  , unemployed, with a cosigner who is also  unemployed . My income is  XXXX  $ I am o n scholarship a nd   XXXX   at my   XXXX   XXXX   and have absolutely no way to make any sort of payments to Navient. I have been told numerous times by Navient there is a form online to fill out, which I have completed and sent back, only to be told that I must mail the document in. I have sent transcripts and asked for an explanation however, the responses I received were automated. I do not currently have a cell phone, I live abroad and rely solely upon wifi. Navient refuses to resolve my issue via secure emails and will not discuss the problem with my cosigner. My cosigner has attempted to talk with  Navient  as well, they assured her that my loans could be deferred  as I am a full time student  however they need to speak with me. This all could be easily resolved if my cosigner were allowed to speak on my behalf, yet apparently this is not an option. I am now receiving emails telling me it is nearly too late, I have logged onto my account, desperately tried to find a REAL person to email my issues to and have had no success. Each email I send is responded to with a computer generated message asking me to call instead. I am incredibly frustrated, I have never had a good experience with Navient and would like this resolved immediately so that I am not further into debt than I already am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I am submitting a claim regarding some violations with some Debt Collection Agencies that have impacted my Consumer File greatly, these fraudulent actions have made it impossible for me to obtain credit to purchase a home. 

I would like to file a complaint on Capital One Account # XXXX in the amount of a {$800.00} Credit Limit as well a Capital One Account # XXXX where both accounts are now showing on my consumer file as delinquent. 

I recently reviewed my consumer file and currently educating myself on my Consumer rights and violations and noticed my rights have been violated, I have received numerous of letters as well as unauthorized calls and scare tactics advising I could be sent to a collection agency and according to 15 USC 1692 ( c ) Communication in connection with debt collection. My rights were violated by not receiving my prior consent given directly to this debt collector nor the express permission of a court of competent jurisdiction, a debt collector may not communicate with me the consumer in connection with the collection of any debt. I did not give my express consent and my rights have been violated. I have screenshots and letters along with the Company 's logo showing communication which I will provide in 15 USC1692 ( b ) 15 USC 1692 ( b ) Acquisitions of location information Violations Debt Collector has violated my rights by speaking with my daughter and providing her with information regarding this debt advising debt information on a few occasions as well as via text messages, this violates 15 USC 1692 ( b ) ( 2 ) also by submitting Capital One Post cards/mail with logo which violates 15 USC 1692 ( b ) ( 4 ) ( 5 ) 15 USC 1692 ( d ) Harassment or Abuse this debt collection agency may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limited the general application of the foregoing, the following conduct is a violation of this section. This debtor has done so by repeatedly and continuously harassing me by causing telephone to ring, with the intent to annoy abuse and harass my daughter and I. 



I have provided this company with a Cease & Desist Letter as well as requesting validation of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a fraudulent account on my credit report. I have contacted them multiple times and I also contact TransUnion to remove it but they have keep this account that is preventing me from obtaining necessary financing.
Product: Student loan

In XXXX I decided to attempt to go to school and per-sue a degree in a field that I was working in. 
I was never informed about the actual cost during any of this time. In that I didnt have any experience to compare this process to, I was only sent paperwork to sign to stay enrolled. This was online, through XXXX XXXX University, and the lender was Sallie Mae. 
I was never sent any sort of documentation regarding the cost, wether by semester, quarter or annual. .as I recall, I was contacted at work on a variety of occasions that I needed additional funding to continue. But never a specific cost. No documentation, only signature pages. 
I still have never received any such documents. 
At some point Sallie Mae sold accounts to Navient. In XXXX I was placed on XXXX XXXXXXXX and could no longer work, and I am still in the same physical condition. I was able to have a large portion of the loans, that I was shocked at the balance, excused. I am receiving SSI income and still attempting to pay the balance of the private loans, those i never was informed about. 

At this point, the interest on one loan is over 10 %. I dont see an end. The fast talking people that would call, and basically threaten me, with cutting access to the classes, just sign this form..
Product: Credit reporting or other personal consumer reports

I am formally disputing inaccurate and unauthorized information listed on my credit report. Ive received no notice an given no consent. This dispute is made in accordance with 15 U.S.C. 1641 ( b ) and 15 U.S.C. 1641 ( c ). I did not authorize the release or reporting of my personal information to the companies, and this constitutes a clear violation of my privacy rights. These entities have no legal grounds to report anything under my name.

Furthermore, my credit report contains unauthorized inquiries, which I did not initiate. According to 18 U.S.C. 1028, unauthorized inquiries are, by definition, identity theft. I consider these inquiries a clear case of identity theft, I demand that all disputed items be immediately removed from my credit report. 

In addition to these unauthorized inquiries, I have found private educational accounts being reported on my credit file without my consent. I do not wish for these private accounts to be disclosed or included in my credit report. Under the Privacy Act of 1974 ( 5 U.S.C. 552a ), which governs the collection, maintenance, use, and dissemination of personal information by federal agencies, I am entitled to control how my personal information is used and disclosed. This disclosure without my consent is in clear violation of my rights under this Act.

15 U.S.C. 6802 and 16 CFR 433.1 and 16 CFR 433.2 establish clear obligations regarding the protection of personal information and prohibit unfair or deceptive practices. 

Pursuant to title 18 U.S.C 8 I do not owe any debt to these entities and I demand the immediate deletion of the items an inquiries in question to correct my credit report. 

Ive listed all the items SEE ATACHED.
Product: Checking or savings account

This has taken place over XXXX to XX/XX/2019. Moneylion touts savings for consumers and free atms. I have always been charged fees. {$2.00} every time I use my atm. They have no bank branches. Customer service always busy. Emails to support 2 never answered. Bank sends account balance errors with wrong amount. I feel they owe me {$120.00} dollars in fees. I want my free atms and refund then I will close this account.what they represented is not true for consumers.