23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Outside ATM at XXXX, CA US Bank on XX/XX/2021. ATM malfunctioned keeping my card and the machine kept spinning around. 
Branch manager was inside, he came out and said there was nothing he could do. I had to file a dispute online, which I did XX/XX/2021. It showed still pending on XX/XX/XXXX, so I was required to wait until XX/XX/XXXX to file a dispute. 

The XXXXXXXX XXXX  in front of me had the same thing happen, yet I didn't know this. He was making an online dispute or I wouldn't have used the ATM. No note on the machine saying malfunctioning. 
XXXX branch manager for US Bank told myself and the XXXX XXXX this had happened to several others before us. I asked him why there was no note. He said there was nothing he could do about it. He lied and said the weren't their ATM machines. Customer service told me the machines are US BANKS. 
I have called twice to the branch and ATM and nothing has been done. It is NOW XX/XX/XXXX. 5 days of collecting money and interest off OUR money we didn't receive. The branch managers excuse was because of COVID 19, the machines had been overused. 
The drive through ATM at this location only allowed you to deposit money NO WITHDRAWALS.
Product: Checking or savings account

Over the last several weeks, I was told by my bank account ( s ) had charge attempts on my accounts. Multiple times I worked with them and they credited my account! Forced me to consolidate into only one checking account. Issued new cards multiple times went through prof of identity at the bank two times. I was working with the fraud department for many hours many time, over several weeks. The last time they allowed the changes. They wont work with me, or listen to me anymore. They claim Im liable? 
This was a Bank Of American account Ive been a member from 2008. The charges are from overseas after they assured me it could not happen again! I have never made a purchase out of the country or used any of the services that the charges were made from!
Product: Bank account or service

Within the past few months TD Bank implemented a new way of applying transactions to personal accounts. If there is a pending charge ( s ) on the current day that would overdraw your account, and funds are transferred on the current day from another TD Bank linked account you are still accessed a {$35.00} overdraft fee per transaction. There is an option to take automatically have money from a savings account transferred to cover, but you are still accessed a $ XXXX fee. These fees are robbery and need to be addressed. XXXX oversight in record keeping can cost {$100.00} - $ 300 month just to catch back up. 
People in lower income brackets can not afford this it is not fair.
Product: Checking or savings account

I am a member of chime I was issued a refund from XXXX XXXX  a few years ago the bank has with held the refund even with all of the necessary proof that the refund was issued to them. And it is due to me I have reopened the dispute and asked for a resolution and they informed me I would have a resolution by XX/XX/2023 and still no resolution or my money back they keep telling me to wait XXXX hours to hear back here it is XX/XX/XXXX still no resolution even after my attorney spoke with them. They are still withholding the amount of {$1200.00}.
Product: Credit card or prepaid card

Back in XX/XX/XXXX. I was solicited by Barclays for a choice privileges credit card .that promised XXXX points. IF you spent {$1000.00} in the first 90 days .so I asked if I used them for a balance transfer would that qualify as well and they told me YES .we can do a balance transfer and you will definitely quality for the rewards points. I asked several different representatives because I wanted to be sure I was receiving correct info. So I applied and received the card waited about 30 days to check on my rewards points becoming available and when I called to enquire I was told your points are not available YET usually takes about 45 days no worries your post will be processed soon .waited another 30 days still no rewards called again was told exactly the same thing it takes time to be processed. Finally I called back after about 75 days later and was told we're sorry that card doesn't qualify for the points INLY if you spend {$1000.00} in next few days can you revive it .which was impossible cus they had given me a {$1500.00} limit .I was so discussed IF had been told you can only recieve the points by purchased ..then I would have done it that way and made the purchases to get the points .now I have received no points plus been CHARGED {$70.00} transaction fee for the balance transfer .I understand sometimes representatives know more than others .but I was told repeatedly the card I was applying for would qualify me plus I was misled when I called to enquire .this just isn't a legit way to do biz or treat your customers I'm still furious it's been months they could have at least waved the bogus fees they charged me .I have spoken to a few managers and I have a case number but no one has offered me ANY kind of fair conclusion.they need to train their reps better .I feel completely ripped off and lied too the mangers leave a message when they are unable to get in touch with you but they never call you back and follow up - when I call I get put on hold you can't win with these croocks live and learn I guess I wasn't expecting this from a reputable credit card company I'm extremely dissatisfied
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. XXXX  XXXX {$16000.00} XXXX   XXXX {$1100.00} XXXX/XXXX  XXXX {$410.00} XXXX/XXXX XXXX {$420.00}
Product: Debt collection

Receive calls all the times and asked I be remove from the do not contact list
Product: Credit card

i opened a credit card online and received the card, a copy of their version of my credit report and an extra card for my partner on XX/XX/XXXX, XXXX i started using it right away in order to take advantage of their offer ( spend {$500.00} get {$200.00} rewards ). 
after they turned off my card without warning, i was totally embarrassed at XXXX for declined card. they closed my card and supposedly at some point they sent me a letter ( when? ) with a deadline of XX/XX/year> that i never received. 
they want me to pay back the entire balance and froze my {$210.00} rewards. 
one phone person did finally say sorry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting all companies that were never authorized to use/ my pull information. 
View the list below : 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 AMERICAN EXPRESSXXXX 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: Credit reporting or other personal consumer reports

On XX/XX/2024, I noticed unauthorized credit inquiries on my credit report from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, BK OF AMER and XXXXXXXX XXXX  I did not give permission to these companies to access my credit. As soon as I saw these inquiries, I contacted each company to dispute the unauthorized activity. I also reported the incident to the credit bureaus and filed a report with
Product: Credit reporting, credit repair services, or other personal consumer reports

These are unauthorized inquiries ( XXXX and XXXX XXXX ), which I have not approved or given written permission to furnish in my credit report.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items DELETED from my credit reports effective immediately. I am attatching prooof that Equifax has admitted that I was in fact a victim of this data breach and the credit bureaus have done nothing. Please help me delete these illegal accounts from my credit reports. The accounts listed below should be deleted immediately from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can not even get the account numbers for these accounts because the information I provide over the phone does not authenticate the accounts. I then ask for them to mail documents to prove that I indeed signed off on these accounts as well as them. They tell me they will send the requested information, but I have never received the requested information. I have done this on MULTIPLE occasions via phone and mail. 


I have attatched a document showing that Equifax admitted I was affected by the data breach which has resulted in these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I was shocked and frustrated to discover an unauthorized inquiry on my credit report today. I always monitor my report, and this is the first time Ive seen something like this happen. I even refreshed my browser multiple times, but the inquiry was still there. This needs to be resolved immediately, and I demand a thorough review of my submitted documents to ensure that I wont have to deal with this issue ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX several of my credit card and bank accounts were compromised. In the course of addressing this issue I contacted XXXX XXXX XXXX and reported the identity theft and closed my account.Though I received correspondence the fraudulent charges were revered and the account closed, XXXX XXXX still reported to Transunion and XXXX the account was open and I had past due payments which were incorrect. After numerous phone calls and emails to XXXX XXXX and multiple attempts to dispute the incorrect information to Transunion and XXXX, XXXX XXXX finally closed my account and sent the correct information to my credit report that the account was closed and I was at a 100 % payment history. Just a few days ago now I received a change to my credit report with Transunion stating that once again the XXXX XXXX account is open and I am past due on the payment going back to XXXX of XXXX. I am at the end of my rope and don't know what to do anymore to fix this.
Product: Credit card or prepaid card

Once again these common criminals aid and abet con-artists and criminals when they allow one of their cardholders, in this case a XXXX XXXX XXXX XXXX to purchase our legal services under emergency conditions to try and help his XXXX girlfriend  from being thrown back on a plane out of the USA for God Knows What, and where our entire law firm team dropped everything to work on this deadbeat 's case all day, and then he does a credit card charge back because the US Government sent her back. We did everything that we could, but the test of a credit card under federal and local law is ( 1 ) whether or not he authorized said charge which he did pursuant to signed retainer agreement contract and ( 2 ) whether he received legal goods and services ( also attached ) which he also did. The contract itself states that we do not and can not guarantee legal results per ethics and law, kind of like a doctor can not promise if a XXXX won't result in the XXXX XXXX XXXX But either way we did the work, and deserve to get paid, not robbed as was done here, assisted by American Express, who unlike XXXX and XXXX, understands that a lot of their customers are scumbag con-artists, freeloaders, shoplifters and thieves. Please investigate and advise.
Product: Credit reporting or other personal consumer reports

Dear To Whom It May Concern, I sent a complaint to XXXX XXXX and XXXX about my information being leaked and they refused to take any disputes on their websites. 
I formally wrote to lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. 
I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes but is not limited to : 1. My academic records and personally identifiable information ( PII ). 
2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information. 
3. My IRS tax transcripts, which were obtained and used without proper authorization. 
These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards. 
Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements. 
2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose. 
3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations. 
4. Immediate notification to all major credit bureaus ( XXXX, XXXX, TransUnion, and XXXX XXXX ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach. 
This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will be left with no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties. 
I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the address listed above.
Product: Checking or savings account

I am the victim of identity theft. On XX/XX/2023, XXXX criminals repeatedly accessed my Capital One Debit Card through internet fraud. One is disguised as XXXX XXXX the other presents as XXXX gaming. Together, they took over {$500.00} from my account. 

When the first withdrawal ( for {$89.00} from XXXX ) occurred, I reported it immediately to Capital One. Their representative thanked me for calling ( XXXX employee ) while more charges advanced. 

I told her the fraud was going on as we spoke. She did not understand. I repeatedly asked for my debit card to be shut down. I dont think the representative understood the problem because English was not her first language. 

After perhaps ten minutes on the phone, she finally put me on hold, shut down my card and returned. 

She then told me I could not file a dispute until all the charges ( which are pending ) actually POST to my account. I have no money. All my money was stolen as she held me on the phone. 

By the time I got off the phone, the criminals had taken over {$500.00}. According to Capital One, I must do without all that money until the transactions actually post. Until then, the thief enjoys my money ; I have nothing.. 

I want someone too investigate this fraud, stop the posting of these transactions BEFORE the theft is completed. What is the purpose of a pending transaction if the card-holder can not dispute? I need help.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Unverifiable and Inaccurate Information Reporting Dear Compliance Department, I am writing to formally dispute the accuracy and validity of several items currently reported on my credit file. Despite previous disputes, these items continue to be reported without verification or legitimate evidence supporting their accuracy. The continued presence of such items is unwarranted and violates federal law. The specific accounts in question are : 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 DELETE Legal Violations The reporting of these items constitutes multiple violations of the Fair Credit Reporting Act ( FCRA XXXX and related laws, including but not limited to : 15 U.S.C. 1681c-2 : Block of Information Resulting from Identity Theft.

15 U.S.C. 1681e ( b ) : Compliance Procedures.

15 U.S.C. 1681i ( 5 ) : Reinvestigations of Disputed Information.

15 U.S.C. 1681b ( 2 ) and 15 U.S.C. 1681s-2 ( F ) ( I ) : Unauthorized Reporting.

15 U.S.C. 1681n : Civil Liability for Willful Noncompliance.

15 U.S.C. 1681 Section 602 : Right to Privacy.

Required Action Pursuant to 15 U.S.C. 1681c-2 ( a ), you are required to block the reporting of these accounts immediately upon receipt of this letter, along with appropriate documentation already provided. You are obligated to take the following actions within XXXX ( XXXX ) business days : Cease all reporting of the disputed accounts. 

Provide written confirmation that these items have been removed from my credit file. 

Failure to comply with this request will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing litigation for damages caused by your noncompliance. I reserve the right to seek compensation for financial harm, emotional distress, and attorney fees incurred as a result of your violations. 

I trust you will handle this matter with the urgency and seriousness it deserves. Please send your response and confirmation of the resolution to the contact information listed above. 

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

Global Lending Services XX/XX/2021 {$4100.00}. I am not sure where my information is being stolen from but I'm initiating this police report with hopes of getting these issued resolved as it is hurting my credit profile and creating debt that isn't mine. I am willing to prosecute.
Product: Student loan

I had initially contacted Great Lakes ( my student loan servicer ) on XXXX XX/XX/XXXX in order to enact a student loan payment refund under the CARES Act in order to get my student loan payments refunded that I had made from XXXX of XXXX to date. I had used their online services to send them email to request this refund, followed up by a phone call to them in order to ensure that they received my request successfully. The gentleman on the phone went over some details with me, ensured me that my request had been submitted successfully and that I should expect my refund within 30-45 days. After a few days, I received a call from Great Lakes regarding my refund request. The lady on the phone wanted to double check what dates/amounts that I was requesting the refund for. I informed her that I was essentially requesting enough of a refund to get me back to a {$10000.00} balance on my student loans, if possible. With that, we went down the line of my payment history on the Great Lakes website and concluded that XXXX XX/XX/XXXX to XXXX XX/XX/XXXX would be the requested date range for the payment refund and that the total refund would be {$5500.00}. The female representative from Great Lakes on the phone assured me that we were still looking at about 30-45 days for the refund to appear and agreed with that timeline. Following some weeks, I had still not heard nor seen a change in my student loan balance on Great Lakes or a refund in my account. With this, I decided to give it a few more days/another week or so before I called Great Lakes to get a status update. Upon calling their customer support line on XXXX XXXX, I was informed that my refund was still being processed, despite it being over 40 days since my request was submitted. Unfortunately with this call, I was informed that my request was now looking at a time line of 60-75 days, despite having submitted my request all the way at the end of XXXX prior. Unable to help me any further, I thanked the representative for their time and ended the call.
Product: Debt collection

I sent XXXX collection agency a letter on XX/XX/XXXX requesting written proof and signatures of the XXXX medical bills they have listed on my XXXX credit reports. In XX/XX/XXXX I was receiving government assistance and XXXX due to the fact that I was not working. I should not have a medical collection of {$75.00} and {$570.00} because I had XXXX. I also need proof of going to the XXXX and also my signature verifying that this was actually me. If they can not verify these please remove off of all XXXX credit report.
Product: Debt collection

I have continuously been harassed by this debt collector. They have contacted my work and my cell phone numerous times throughout the day, every single day. 

I have tried to offer them a payment amount and asked them to set it up on automatic payments but they say they cant take the amount I feel comfortable paying. I CAN NOT afford the amount they are saying I have to pay each month. Now they are threatening legal action but yet they refuse to take the amount of money Im offering to pay. This has been going on for almost a year.
Product: Credit card

Have had this card for about XXXX years now - no issues. XXXX credit limit, paid regularly. Always on time. My credit score took a dip recently but I just did a ton of work to get the funds to pay across debtors including especially my Apple Card since I like to use this one often and clear the balance. I paid nearly XXXX first week of XXXX and another XXXX on XX/XX/XXXX clearing my balance completely. I received an email on XX/XX/XXXX stating my funds were still be held AND that now I will have only a XXXX credit limit without warning. By law this requires 45 day notice - I would have been more strategic paying other things had u known and wouldnt assume Id have that as back up in case. No help when I call just keep telling me its because my credit decreased which i understand however I have a solid history with Apple and pay all my bills. This was suppose to help my credit and now has made it even worse and harder. Im just told to reapply for new limit which is ridiculous. As a consumer I had no time to prepare for this and in turn had caused additional hardship to my credit standing despite great efforts to clean it up. Please help - it cant be legal to hold money over a week then notify same day that you now cant access XXXX XXXX of it. XXXX and Goldman Sachs idk who is liable but I know that they both play a part in the shadiness of this situation