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

I am Bank Of America account holder and I had a check for {$6000.00} from XXXX XXXX that I needed to cash. The check was also drawn from Bank Of America. I provided the teller with with my passport, my social security card and my drivers license. She pulled my account up and said that in order to cash the check she would need to see my physical debit card or a debit card from any other financial institution, which I could not provide her with because as she could clearly see on her screen, my debit card was still on its way to me in the mail. 
I had no other choice then to go to a XXXX XXXX location and spend {$350.00} for their check cashing services. 
I spoke to several specialists at their customer service center who all told me that I had every right to have my check cashed and that this should never have happened. 
The customer service center suggested that I go directly into the branch where this took place and request to be reimbursed for the check cashing fee from the branch manager. The next day I went back into the branch and sat down with the branch manager. Before I told him why I was there, I asked him a few questions about their check cashing policies for account holders cashing checks drawn by the same bank. 
The branch manager said, " Yes, we absolutely cash checks. We would even cash a check up to {$50000.00} we would just request you call ahead so we can let you know if we have that much cash available " After I told him why I was there, showed him my reciept from XXXX XXXX and explained to him what had happened, he all of the sudden claimed he had no authority to do anything for me whatsoever. He did tell me though that if the system had automatically asked the teller to provide her with anymore ID verification ( like she claimed it had and the only option was a debit card in the mail ), there are actually several options the system allows a teller to choose from, which this teller did not do. 
I feel like I was discriminated against for being a private contractor and for my profession. 
This bank is guilty of Wrongful Dishoner ( defined in 4-105 ( b ), negligence and misconduct. I was embarrassed and left the branch location in tears by the way I was treated. I would like the {$350.00} I spent having to go somewhere else to cash a check because this bank failed to provide me with proper service. These people at the physical branch will take absolutely no responsibility for anything and have continued to make this entire situation as painful as they possibly can for me.
Product: Credit card

I was a victim of identity theft, My drivers license, Social Security card were stolen years ago out of my car while working out at a XXXX XXXX XXXX gym in XXXX California. 

The local authorities were dispatched a report was taken of the incident. I immediately proceeded to my bank to close all accounts, As I reach the teller I was advised by security that a man was trying to cash a check which were one of the items that were stolen out of my vehicle. 

Moving forward I noticed there were a few unauthorized accounts on my credit report that I have no knowledge of opening. Furthermore I've contacted all three major credit bureaus requested the incorrect information to be removed. 

I also contacted the creditor Wells Fargo bank and initiated a dispute. The investigation resulted in removal of the accounts by the credit bureaus but shortly replaced back on my credit profile. 

I submitted police report, FTC report, banking statement, utility bill that proves where I was maintaining residence for the past XXXX  years. 


Researching the law I learn I was supposed to receive a 1099 for the charge off which would be reported as income on my taxes it was never sent, even tho the accounts weren't mine. Wells Fargo has committed fraud by porting the same account under different account numbers. Im requesting deletion of the accounts from all major credit bureaus.
Product: Checking or savings account

I have been trying to open a cash app account and i keep getting told that I can not due to my account being closed. Apparently I have violated my terms of service but I only use cashapp for transactions to send my family money. My identity has been stolen during 2023 when I applied for my taxes and ever since then I have not been allowed to do much with any app or credit card.
Product: Vehicle loan or lease

CHASE AUTO has failed to Apply several tendered payments CHASE AUTO failed to reply in writing to previous notice of rescission of ALL security interest thereby forfeiting ALL claims. to date the company still has failed to abide by applicable federal regulation 12 CFR 226.23.

CHASE AUTO 's failure to respond is now considered tacit admission of Fraud, Counterfeiting, breech of agreement and false representation to name a few Again, pursuant to The Fair Debt Credit Collection Practices Act 809, Validation of Debts [ 15 US C 1692g ] subsection ( b ) and as referenced in your correspondence verification within 30 days to the address above : Verification requires " Confirmation of correctness, truth, or authenticity by affidavit, oath or deposition. In accounting, [ it is ] the process of substantiating entries in books of account '' ( XXXX 's XXXX XXXX, XXXX XXXX ). This verification should include, but not be limited to, signing the enclosed affidavit verifying the terms and conditions of the alleged loan and answers to ALL the following list of questions attached. 

I've retained copies off all correspondences sent, dates, certified mail receipts, phone call recordings that will be used as exhibits should legal proceedings become necessary.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$1500.00} I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report.

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights.

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I have called multiple times to speak with regions customer service I have gotten charged multiple times {$70.00} plus dollars every time in overdraft fees when I would have money in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX # XXXX, has violated my rights.

15 USC 1681 section 602 A. States i have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

The company used unfair business practices and broke federal laws and the company did not send disclosures that are required for leaders that are extended by XXXX months or more
Product: Money transfer, virtual currency, or money service

Money was requested but i never sent it. Instead of cancelling Zelle ended up sending the amount and would not refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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.

Based on my knowledge I don't owe this creditor.
Product: Credit reporting or other personal consumer reports

FCRA viloations not my XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6300.00} Status Account charged off. {$6300.00} written off. {$6300.00} past due as of XX/XX/XXXX. 
XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$2200.00} Status Account charged off. {$2000.00} written off. {$2200.00} past due as of XX/XX/XXXX. 

THE XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1700.00} Status Account charged off. $ not my address XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Resident type Single family not my phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint regarding how an account was being reported. While my complaint was to remedy future reporting the company made it owns narrative of my complaint and provided a reason as to they would not change what they have reported up until now. I did not ask them to change what they have reported in the past ; but, they spontaneously changed the narrative for their own purposes and answered their own version of the complaint. 

My complaint once again is THAT they have and intend to continue to report a closed/charged-off account as an active live account. The balance owed is intermingled with actual live accounts and skews the reported debt to available credit ratio. This is a malicious act on the part of the account holder as they are fully aware after 6 years ( because of its age ) the true effect of this account is negligible on the XXXX. If the account is reported as a live account, the enormous difference in weight on the XXXX  score ( 30 % ) is a malicious/bad faith effort by the account holder to pressure account holder into paying off the account. It is a misrepresentation of the truth for malicious reasons. I am serving them notice of this egregious action and demanding they cease and desist from future misreporting of this account, or be exposed to considerable punitive damages.
Product: Credit card

I would like assistance in disputing a charge on my Discover Card. I am a XXXX year old retiree who became involved with XXXX amongst many others.Also on my credit card their merchant 's name is different, It shows as XXXX And XXXX FL. I was contacted by an unsolicited telemarketing phone call last year. They offered me a very profitable online business, a website and training. They disappeared right after I paid them. I tried to get in touch with them and they would not return my calls. I opened a dispute with my credit card, Discover and they told me It has passed too much time and could not help me, they blew me off. I have been in touch with the Attorney General 's Office and they advised me that I have 540 days to dispute since they did not provide the services that they promised me. I am beyond frustrated with this situation, I hope you can help me get my money back.
Product: Debt collection

i am a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX  can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text saying my Netspend debit card was used at an ATM and withdrew {$43.00}. I immediately called the bank because i had my debit card in my possession. By the time i got to the prompt to stop my debit card, the thief had took 9 {$43.00} transactions at a XXXX XXXX ATM machine in a XXXX XXXX. I had the customer service rep to stop the card and mail a new one. On XX/XX/XXXX i went to file a police report with the XXXX Police Dept with Officer XXXX and my police report number is XXXX. My claim number at Netspend is # XXXX. I was told by Netspend i could get a provisional credit of {$400.00} but i had to send them dispute paperwork which i emailed to them on XX/XX/XXXX. I did everything i was suppose to do and Netspend had until XX/XX/19 to give me the provisional credit and they emailed me on XX/XX/19 saying they will not be giving me any credit. Im so so upset because i have been with this company for over 6 years, i have my direct deposit going to this debit card but they are treating me like the thief instead of the victim. I provided everything that they asked me for and yet in still they are treating me as though i did this myself. Their exact reason that they have on a message on their site for my account is the pin for the card was not changed prior to the period for unauthorized usage and no declines for insufficient funds so the person making the transactions had inside knowledge of the account balance. This is crazy because they did 9 {$43.00} transactions and by the time i was able to get through the prompts on Netspend customer service line to stop this debit card, i only had {$100.00} and something dollars left in my account. I'm so upset because i need my {$400.00} and i'm upset because i have been with this company Netspend for years and this is how they treat their loyal customers.
Product: Debt collection

Midland credit management this past weekend Around XXXX to XXXX contacted a third party about Me allegedly owing money to XXXX XXXX. 
The third party they contacted was never listed on the credit card or application.
Product: Credit reporting or other personal consumer reports

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

XXXX - XXXX {$12000.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXXXXXX {$8000.00} XXXXXXXX XXXX XXXX XXXX  {$270.00} XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XXXX XXXX XXXXXXXX {$490.00} XXXX - XXXX {$880.00} XXXX XXXX XXXX  - XXXX {$760.00} XXXX - XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX - XXXX {$270.00}
Product: Money transfer, virtual currency, or money service

I tried to deposit {$2500.00} into my Coinbase XXXX  account. I had forgotten to transfer my money from my checkings account to my savings account, so the transfer failed. Immediately after realizing, I added the money to my checkings account, and then the transfer was successful. 
The money was deposited into my Coinbase XXXX account, but then my account was completely disabled. I am currently unable to transfer money back into my bank account, which is a huge problem for me. I am also not able to buy/sell XXXX, meaning I'm being exposed to much more risk than I want. I previously had {$2500.00} in Coinbase XXXX meaning over {$5000.00} of my savings is frozen. 
I have three unresolved email threads with XXXX, but each time they stop responding. They gave me some very simple advice such as " refresh the app '', " update the app '', " logout and login '', which are not helpful. It seems that they have disabled my account on their end, and all this would take to resolve is a switch on their end.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit card or prepaid card

On XX/XX/19 I called XXXX XXXX customer service to report that I am XXXX and needed to submit my military orders for my account to be coded for SCRA. The calls were routed to several reps, all of which had no information or were clueless about SCRA and the benefits to military service members. They were all of no help and could not provide me with any information to email, mail or fax my orders.
Product: Debt collection

I pulled my XXXX credit report XXXX XXXX, 2016 and noticed a collection from Central Credit Services who is also known as XXXX. I immediately pulled the other credit reports and on XXXX it shows the owner of the debt is XXXX XXXX XXXX who is formerly know as XXXX XXXX XXXX XXXX. I have NEVER heard of these people nor have I ever received a letter or phone call from either of these agencies regarding this alleged debt. Also, there is not any contact information on the credit reports for me to contact these people. The information I do have I researched on my own to find out the address of each agency. I believe these agencies need to validate this alleged debt in writing by supplying the original loan agreement, contract, etc. under FDCPA 809 ( b ).
Product: Debt collection

I have a loan with FAIR COLLECTIONS & OUTSOURCING. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and FAIR COLLECTIONS & OUTSOURCING with no successful resolution. XXXX  only reporting me late. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX account # XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, Has violated my rights.15 U.S.C 1681 section 604A section 2.It Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

The following inaccurate debt was reported to my 3 credit bureaus. They have never contacted me via email, Postal mail or phone call. Then they BACK DATE it almost over a year and report to my 3 bureaus. When I called the number on the bureau, they had to transfer me 3 times and had to look for my account and they couldn't find my account, and I informed them this was all taken care of XXXX XXXX XXXX, I even requested on a dispute process their exact response " Sir, its already on your credit bureau you can not dispute '' and then mysteriously we got disconnected. Worst part is this all happened during the Covid-19 Pandemic. -- -- -- - Collection Agency XXXX, XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Original Amount Owed {$560.00} Amount {$560.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Contact XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX ) XXXX
Product: Debt collection

To whom it may concern, i sent a dispute letter on XX/XX/2023. My tracking number is XXXX. This letter was to remove some inaccurate accounts that do not, an has never belonged to me, enclosed was a letter of verification, an FTC report, along with my correct identification. When they came back verified, they never gave me reasons they used to do so. 
I am exercising my rights under code 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

I HAVE NO KNOWLEDGE AND HAVE NOT AUTHORIZED THE FOLLOWING INQUIRES. MY WRITTEN CONSENT WAS NOT GIVEN 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 XXXXXXXX XX/XX/XXXX
Product: Debt collection

This company - Kehoe Financial Group - is looking for somebody named XXXX XXXX. I am not XXXX nor have I ever known him. They called me from various numbers ( the last being XXXX ) and continued asking for him. Each time, I would tell them they have the wrong number and to stop calling me. On Friday XXXX XXXX 2017, I received a call from this company at XXXX PST lasting 6 second before it was disconnected. I received an immediate call back from their rep who was a man who was SURE he was right. He said I hung up on him and that was rude. At this point, this company had been calling me for quite a few weeks. I yelled at him, hung up, and called their corporate number. Once I called their corporate number, I was told that my outburst was recorded and they did n't tolerate that behavior. First of all, they never stated that my calls were being recorded prior to me calling their management. This is a breach of my privacy. Secondly - and most important - I 'm not actually the guy they 're looking for. The manager then told me that my number is listed in their system as 'wrong number ' yet they still continued to call. Her tune changed from being incredibly rude to realizing that she was just belittling somebody that has ZERO business with their company. She stated that she would put it on the do-not-call list, however, I 'm very skeptical that this group of incompetent people can successfully accomplish this basic task.
Product: Mortgage

The property was sold on XX/XX/XXXX, settlement date. It was explained to me that the settlement company would wire proceeds to the bank on the same day, absolving me of any further financial pmt. Late XXXX was reported on XX/XX/XXXX, after sale of property by the lender. I have tried since then to address but without success. Late reporting is negatively affecting my credit score and ability to get a good rate for a new mortgage. Had the mortgage since XXXX and was never late, until the month property was sold. It is unfair and does not make sense.
Product: Credit card

I am owed XXXX XXXX Dollars for a credit card balance refund. 

I have called in XXXX times, per my records. I have sent XXXX Emails, and XXXX direct messages to the support team. I have contacted the highest level of support. 

It appears they have absolutely no intention of returning my money to me. 

They claim that a check was sent, but it was not. I have also not received an affidavit or an electronic transfer either. 

I am beyond words at my frustration here. I am quite certain they are making no effort to amend this because it has been over a month so far.