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

On XXXX, Okay, so here 's what's going on with this situation. I am currently on XXXX, and I receive checks every XXXX weeks from them. 
Once I receive the check by mail. I then go and deposit the check into my checking account at Citi bank. After I deposit the check, I am not able to get the money until next day. XXXX is their policy when it comes to state XXXX checks. Okay, so the next day I go, and the check was not cleared yet. I called the XXXX number to speak to an agent and after they looked into it. The only answer that was given to me at the time was that it looked like the check was not a real check. So, I said to myself, how is this so if it came from the state. They made it seem like from their end that someone had deposited a check into the account, but it wasn't cleared but the funds were given to me anyway. I got another check from state XXXX in the amount of XXXX and funds were given to me because the check cleared again on the next day. I just received another state XXXX check and I was able to deposit it and again the funds were given to me because the check cleared. I looked at my account online the next day just to see and sure enough they had a block on my account. I go in to speak with a teller and she called whomever she needed to see what and why was my account blocked. The person who she spoke with on the phone from the Citibank team. Had her to ask me what I needed the money for and what bills did I pay from this money given to me. The teller tells me after speaking to whomever, that the check didn't look real, and it was fraudulent activity going on come to find out later on the next day. My name had been put on the fraudulent list which I had no clue about until I spoke to the manager at this branch. I am startled, disappointed in the way they handled things and treat their customers. They will be sending me out a letter explaining why they closed my account. I've been banking with them for 20 years and this has never happened before. I couldn't cash my check here, so I went to the check cashing place, and they charged me XXXX dollars. I will be getting another check from the state and i feel like this is going to happen again. Oh, I was also told by the manger to check back in a few more days to see if they have cleared my name form the fraudulent list. My address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and the branch where I go is located on XXXX here in XXXX. 

Thank you and I look forward to hearing from you soon. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX has violated my rights. 

1 ) 15 U.S.C 1681 Section 602 A : States I have the right to privacy 2 ) 15 U.S.C 1681 Section 604 A : It also states a consumer reporting agency can not furnish
Product: Checking or savings account

Hi there in XX/XX/XXXX- the XXXX of XXXX XXXX for XXXX dollars and some change taken away from my account. And then I got overdrafted. 
I later then got overdrafted in XXXX, XXXX and I am currently being overdrafted in XXXX. 
I have contacted Wells Fargo multiple times about the charges and the overdrafts. I have spoken to multiple representatives who have made fale promises and I never got my money back. 
I got overdrafted for a good amount of XXXX dollars and continue. Every customer service representative from Wells Fargo said that they can not really help me with the overdraft fees because I accepted the overdraft fee of XXXX dollars. 

I got over drafted from the following dates and the bank refuses to help me out, even when I am really kind to them. 

From XX/XX/XXXX to XX/XX/XXXX I got overdrafted XXXX  times for XXXX dollars. After a certain point the over draft fees stopped and the bank began to negate charges like I asked a long time ago. But I had over XXXX dollars in overdraft plus the amount that I was charged for items. 

From XXXX XXXX to XX/XX/XXXX I am getting overdrafted 5 times for charges that I thought the bank was going to negate. 
Then in XXXX, XXXX and XXXX I got overdrafted a fewtimes. 

I am really upset because I can not extend Wells Fargo grace period I asked customer service for help on many things. They did refund me XXXX dollars after they took a lot more. 
I also tried speaking to customer service about a return I made back in XXXX of last year but they also said that I was not able to get the money even after I sent them messages and gave them a receipt for an item I returned. I work for XXXX XXXX and I returned the guitar but Wells Fargo charged me XXXX cents that I knew I returned. And since I work at the shop and know many managers they told me to speak to Wells Fargo. 
Wells Fargo has been anything but helpful. 

I want a refund for the items that they overdrafted and for the money that they took from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Systems  a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in  XXXX  at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.
Product: Checking or savings account

2012 I had wells Fargo, multiple times my direct deposits would go in and disappear for 24hrs I would call customer service and they kept saying its normal and my funds would be available following day. As that would happen I would get overdraft fees do to no money because they would hold my money causing me to lose money all the time. As well as pulling out money I would have issues to pull money greater than {$500.00} without them putting my account on hold until I confirmed it was me. I also had a savings account which I kept loosing money due to my overdraft fee, so they would take from my savings to pay the late fees because they kept holding my checks after they were already deposited! 
I dont remember dates or money amount but it was a lot each time. As well as when I closed my account they kept charging me a maintenance fee even after I closed my account and I received multiple letters stating I owed them over {$500.00} of maintenance fees! And thats after I closed my accounts!
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about the security breach from Equifax. Upon visiting their website to see if I was affected by their gross negligence, I read their terms of use. In their terms of use they require that I waive my right to be part of a class action lawsuit. Not only has their negligence created a 44 % chance that my personal information has been jeopardized, they seem to be bent on protecting themselves rather than protecting the 143 million Americans that their company has affected.
As reparation for the breach, Equifax has offered a year of free identity protection to all citizens of the US. After the year is up, the consumer will automatically be charged to continue the services. 

To add to this monumental act of negligence and the ensuing act of hostility to the consumer 's right to their own information and their knowledge of the safety of their information, there was a {$2.00} XXXX sale of corporate stock by high level executives shortly after the company learned of the data breach, but prior to the breach being publicly reported. This is trading on information not readily available to the public and therefore insider trading.
Product: Debt collection

On XX/XX/XXXX I received a collection notice from Convergent Outsourcing, Inc. for a bill for XXXX. 

Per response sent via certified return receipt ( attached ) delivered to Convergent Outsourcing, Inc. on XX/XX/XXXX, the account was disputed and proven as fraud in XX/XX/XXXX/XX/XX/XXXX via the CFPB. 

That XXXX has sold, once again, the previously proven fraudulent account to Convergent Outsourcing, Inc. violates Federal FDCPA and State of Maryland laws governing collection accounts. 

I am cc : ing this complaint to the Maryland Attorney 's Generals Office of Consumer Protection and the FTC. 

The account is fraud and was proven as fraud therefore you, Convergent Outsourcing, Inc., are in violation of Federal and State laws attempting to collect it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX XXXX XXXX XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX XXXX and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

1 ) XXXX XXXX XXXX  : OPENED XXXX XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
2 ) XXXX XXXX : OPENED XXXX CLOSED XXXX BALANCE $ XXXX I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
3 ) XXXX XXXX  : OPENED XXXX CLOSED XXXX BALANCE ( UNCLEAR )- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. 
4 ) XXXX XXXX- OPENED XXXX CLOSED XXXX BALANCE $ XXXX- CREDITOR REPORTED LATE PAYMENTS FOR XXXX AND XXXX OF XXXX  FOR 30 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY 5 ) XXXXXXXX XXXX OPENED XXXX BALANCE XXXX CREDITOR REPORTED LATE PAYMENTS FOR XXXX XXXX XXXX XXXX AND XXXX XXXX  FOR 30-120 DAYS LATE. INCORRECT REPORTING OF PAYMENT HISTORY. 
6 ) XXXX XXXX : OPENED XXXX CLOSED XXXX UNCLEAR OF BALANCE- I AM A VICTIM OF IDENTITY THEFT THIS IS NOT MY ACCOUNT. LISTED ON REPORT TWICE WITH TWO DIFFERENT ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a 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 may not communicate with a consumer in connection with the collection of any debt. 


XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX XXXX XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXXXXXX XXXX Inquiries : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXXXXXX XXXXXXXX XXXXXXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX  Addresses : XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collecons : XXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXX XXXX & XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with.
Product: Vehicle loan or lease

I have relocated to another state and have been trying to get my car title transfer in the state where I currently live ( XXXX XXXX. The XXXX  DMV has asked for a copy of the original title from XXXX  ( where I used to live ) to complete the titling process. 

I have been in contact with Kia Motors Finance since XX/XX/2021 and have made several attempts for them to either send me the requested document ( so that I could share with the DMV ) or have them send it to the DMV directly. I have been unsuccessful in getting this ( fairly simple/routine request ) done and have wasted hours of my time. 

The Kia Finance representatives have continued to lie to me, each time convincing me that the issue has been taken care of - while the DMV 's records are still showing otherwise.

This issue has caused me harm as I was informed by the DMV that I woildnt be able to sell the vehicle until the title rransfer situation has been sorted out.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXX XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX **the account below is beyond reporting limits and needs to be removed asap! ** XXXXXXXX XXXX {$1500.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$16000.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

{$1400.00} was taken out of my Bank of America Acct on XX/XX/2018 from XXXX XXXX. The company contacted me and told me that my furniture was discontinued and offered me to order different furniture which I did this furniture was cheaper therefore i was suppose to be refunded the difference with in 3-5 business days and was scheduled to receive my furniture in 3 weeks I never receive a refund the company is closed and never delivered my furniture I filed a complaint with Bank of America on XX/XX/2018 and waited 90 days still no resolve the Bank shows they investigated on XX/XX/2018 and I had 45 more days to wait. Still no resolve Ive contacted the bank and I still have not receive my funds returned to my Acct. I paid using my Credit card/debit card connected to my checking Acct as a credit Ive been more than patient Ive  submitted receipts and if you go online it shows the company is closed. I would like my money back.
Product: Credit card or prepaid card

I am writing to file a complaint against Chase Bank regarding a dispute that was unfairly declined. On XX/XX/2023, I had a pre-booked parking arrangement with a service that was canceled due to overbooking. I quickly searched for an alternate parking service and found one on way.com, which advertised outdoor parking near XXXX XXXX for " {$4.00} '' per day via XXXX XXXX XXXX XXXX. However, after confirming my purchase, I realized that I was being charged " {$410.00} ''. I immediately attempted to cancel the purchase but was unable to do so due to unclear messaging on the confirmation email I received from way.com. I called my credit card company, Chase Freedom, to dispute the charge and was told to cancel via the app and wait for a Chase service representative to contact me for further details. I disputed the amount of " {$330.00} '' through the Chase mobile app due to the deceptive charge. 

I would like to emphasize that I did not use XXXX 's XXXX XXXX parking and went directly to XXXX XXXX 's XXXX XXXX, paying {$170.00} for 7-days of parking. Chase placed a temporary credit of {$330.00} on my account as a result of the dispute. However, on XX/XX/XXXX, Chase closed the dispute in favor of way.com and placed the {$330.00} back on my account, citing that I did not cancel with XXXX. I would like to reiterate that I did not cancel because I immediately called Chase at the moment to dispute the charge. I was never contacted by Chase to provide any supporting documentation, such as my receipt from XXXX XXXX parking of {$170.00}, or the screenshot of the advertised charge of {$4.00} on way.com. 

I am filing this complaint because Chase never received these documents, nor did the dispute resolution team acknowledge my efforts to dispute the services and provide documentation at the time of the charge ( XX/XX/XXXX ). I believe that Chase 's decision to decline my dispute was unfair and unjustified, as I ended up paying a total of {$580.00} to park ( {$410.00} of which, I did not use ). I request that you investigate this matter and take appropriate action to resolve this dispute in a fair and impartial manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following accounts has violated my rights. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 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 a account without my written instructions Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Mortgage

I contacted Quicken Loans about possible considering a home equity line of credit. XXXX XXXX, who was assisting me, obtained my private information and at no time told me she was going to pull my credit. I monitor my personal credit daily and at no time during the conversation did I advise her to pull my credit. What she did was illegal and unauthorized. If the phone call was recorded, at no time did I authorize XXXX XXXX or Quicken Loans to pull my personal credit.
Product: Credit reporting or other personal consumer reports

This CFPB complaint is being filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that Experian credit reporting agency block information appearing on my consumer credit report as it is the result of identity theft and fraud. I request this be done within 4 business days of receiving this complaint. The fraudulent and inaccurate information includes the following accounts : 1. A credit card account was opened with XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. XXXX. An account was opened at XXXX XXXX XXXX on XX/XX/year>, under account number XXXX. These fraudulent accounts have led to multiple unauthorized hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copy of my XXXX credit report, which clearly shows the fraudulent items in question. I do not recognize any of these accounts, or collections, as being initiated by me. All of the aforementioned accounts, collections, and hard inquiries are a direct result of identity theft and fraud. In support of my claim, I have also attached a copy of the FTC Identity Theft Criminal Complaint ( Case Number : XXXX ) as proof from the U.S. Federal Trade Commission that these accounts, collections, and inquiries are indeed the result of identity theft and fraud.
Product: Credit card or prepaid card

I have called capital one stating that I have been effected by the covid 19 I had a death in the family and can no longer make the payments. They sent me a letter stating that I can use skip dont have to pay for the month. Im telling them I need something longer term I cant keep calling in about this skip program its not working for me I need more help.
Product: Payday loan, title loan, personal loan, or advance loan

I have a title loan with titlemax and the total loan amount is {$2000.00}. Every time l make a payment the loan goes down but then I check later and it goes back to {$1500.00}. I have checked the total amount of payments I've made and it comes out to {$3500.00}