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

We have a joint XXXX XXXX XXXX XXXX Account with CIT bank. It was designed as a variable high yield savings account with rates historically of 1.4-2 % APY that we have had since XXXX. However since XX/XX/XXXX it has remain fixed at 0.25 % despite recent rate increases in similar products. I did not receive any notification of this becoming the essentially a low fixed rate account similar to their eChecking or more basic products. When I noticed that they continue to hold this supposedly variable APY account at 0.25 %, I called for an explanation. When I spoke with CIT bank today for an explanation, the representative instead of addressing the issue or attempting to rectify it, instead she tried to sell me another product with what the original terms of the Premier High Yield account had been. On questioning, she confirmed that this was still a variable interest saving account and that there was no deposit amount or monthly transfer requirement that I did not meet to trigger this 0.25 % APY but instead the bank " has held this at 0.25 % for all deposited amounts for all accounts '' whether it is XXXX deposited or XXXX XXXX dollars. I believe they have violated their terms of offering a high yield variable savings account and without notification changed this to a low yield fixed savings account. I believe CIT bank owes me back additional interest plus compounding since at least XX/XX/XXXX on essentially a " bait and switch '' tactic.
Product: Checking or savings account

This is a second complain to the previos one with the number XXXXPlease read previous one for the whole story/details. 
Wells Fargo says that PIN was used in the fraud but checking it personally out and talking to the gas station personel PIN can be bypassed at the pump.We took pictures how you can BYPASS the PIN. 
In Washington State almost all the pumps have the BYPASS PIN option when you are using the gas pump and pretty sure that even the person that reads this complain is aware of the BYPASS option. 
Wells Fargo claims that the person that used the debit card entered a PIN.Why would someone enter a PIN or try to enter a PIN when you push the BYPASS PIN button when you have a cloned card? or whatever they used to fraud our card/account. 
We went at that gas station and we took pictures of the BYPASS PIN option. 
Wells Fargo refuses to pay the claim and they are lying that the PIN was used. 
PIN was BYPASSED. 
Please investigate this.Wells Fargo has a very bad reputation and its very well known that they are constantly lying and refuse to pay claims. 
The bypass pun option was used with multiple debit cards plus Wells Fargo and its a option fir all the debit cards.Please call the gas station and the staff there will confirm that.Thank you
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I always received my statements and notifications by e-mail. Faithfully I 'd receive my target emails every month. Then it stopped. I figured my balance was paid off since I was n't getting any more alerts or statements. Then yesterday I get a letter in the mail stating it was an attempt to collect debt. I paid my bill immediately considering I did n't even know I had a balance of any sort. But I received no notifications of payment due. Not sure if it went into my spam-it never done that before and we had the credit card for years-but even spam deletes itself after a certain time, so I could n't even be sure it went to my spam. Just know i did n't receive any alert. I am more than happy to pay the balance but not the steep {$130.00} fine. I called several times and they wo n't remove it. I am a faithful paying customer with a high credit score. They should check my history and see this is not my typical response, considering I 'd been a customer for years. Also I did n't receive any form of letters in the mail until after fifty days. If my account was overdue I should 've been alerted by mail way before this.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX Balance : {$8500.00} XXXXXXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XX/XX/year>
Product: Money transfer, virtual currency, or money service

XXXX Initiated a XXXX XXXX transfer from Capital One bank account to XXXX XXXXXXXX XXXX account. 
XXXX Amount showed up in XXXX  XXXX XXXX account temporarily before disappearing. 

Amount Transferred from Capital One to XXXX  XXXX XXXX : {$300.00} Actions taken : XXXXCalled " XXXX XXXX XXXXXXXX '' first to confirm on why transaction disappeared. They mentioned they were unable to accept the transaction, and returned it to sender bank " Capital One '' XXXX-Called " Capital One '', and they opened a claim to investigate. 
XX/XX/XXXX - '' Capital One '' responded via email the claim is denied without any justification. Called " Capital One '' for clarification, and they mentioned their system shows transfer was successful. 

XX/XX/XXXX -Called " XXXXXXXX XXXX XXXXXXXX XXXX again, and they said they couldn't process the transaction and asked to re-open the claim with proof of statement, that amount was never credited. They clarified it is sender bank 's " Capital One '' responsibility to make sure transfer is completed. 

On XX/XX/XXXX sent an email to " Capital One '' claims with the statements and screenshot of " XXXX XXXX XXXXXXXX '' to show amount was not credited. 

Between XX/XX/XXXX XXXX : Called " Capital One " twice to get update and they had no positive response As of XX/XX/XXXX didn't hear anything back from Capital One, and looks like money just vanished.
Product: Debt collection

The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA and  HIPAA by  not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. I have not sign or even authorized anything to the compa ny. If Collection Service of Athens does not have any documentation, they need to remove this from my  credit file immediately.
Product: Credit reporting or other personal consumer reports

At Experian the three representatives keep hanging up on me when I attempt to reach the company over denied credit rendering my attempts futile in obtaining the information needed to satisfy my inquiries into the matter. Experian isn't the only one XXXX does it as well. The representatives require more training to handle incoming calls whether someone is calling to update their membership, dispute an item, or dispute a possible inaccuracy on one 's credit report. This has happened numerous times and I'm starting to question myself on their investigation into disputable information. Please address due to the fact that I can not get anywhere with these credit bureaus disputing or inquiring my credit report ( s )
Product: Credit reporting or other personal consumer reports

I don't know what else to do. For over a year now I have been submitting letter after letter to Experian about the many inaccuracies on my reports. At this point if they do not start to respond within accordance of the law I am hiring counsel to handle this for me. This treatment is starting to be extremely taxing on my mental health and biased. I have been keeping all of my records and their responses and they are in clear violation of the FCRA
Product: Debt collection

A few months ago I tried switching my phone from XXXX to XXXX. After all I decided not to because it was n't cost effective. So months go by and I am thinking that everything is clear I pull my XXXX report right before I begin negotiations on purchasing a home. I found out I have a collection from Amsher for {$60.00}. I immediately contacted them, they forwarded me to XXXX. The representative told me i have a XXXX balance with XXXX and it was an error on their part for reporting for early termination. I contacted Amsher who promised that once my account is updated by XXXX that situation so be fix, since I requested verification of the {$60.00}. While this might be only {$60.00} it has been reporting negatively on my credit. Costing my family a lot of money. I have tried reaching out but there has been no response from this debt collector.
Product: Credit card or prepaid card

Due to identity fraud on my debit account with XXXX XXXX, they had to change my bank account number entirely. I did update my number on American Express, yet for some reason, they charged my old debit number for my credit card payment. This was an additional payment ; no payment was required at this time, and the money was in my account. The bank had just changed the number. Obviously, when American Express charged the wrong bank account number ( for both of my AMEX cards ), the payments were rejected. I've already re-made these payments ; however, AMEX charges me a {$29.00} fee on each account, which is not fair. I messaged the online chat system about this, and the representative recommended calling customer service. However, there are extraordinarily long wait times. Attached is documentation regarding the fraud case that I am dealing with that has led to XXXX XXXX changing my bank account number. I would not make an extra payment that was not required if the funds were not there, and it is not right that I am being charged a return payment fee in this circumstance.
Product: Credit card

I only need CIti to BLOCK a {$79.00} monthly debit on my credit card that is from XXXX, which continues to debit and Citi just sends me a new card so I now have XXXX cards issued from Citi. 

I have notified the XXXX at XXXX in person to cancel my membership as they are not XXXX compliant. She now says she has no access to cancellations she keyed as the software has changed. The corp. is in XXXX. The system has my last name misspelled, but has my CITI card with correct spelling! Now she says the membership was cancelled. 

I sent Citi XXXX XXXXXX/XX/XXXXXXXX in XXXX XXXXXX/XX/XXXXXXXX registered mail certified receipts to complain on disputed debits. 

XXXX is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. They rejected my XXXX Mail. XXXX return not there. I physically went to XXXX to advise on returned mail. Mgr. confirmed it is odd and obviously the address is CORRECT. Received assurance cancel is in effect. Still {$79.00} hit again. 

I get CITI automated collection calls. No live person when I call back. XXXX months of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISCOVERED THAT THER IS BMW FINANCIAL SERVICES/CREDIT ACCOUNT ( ACC NO : XXXX ) IS REPORTING IN MY CREDIT REPORT. I'VE NEVER HAD BMW ACCOUNT. THAT IS WHY I FILED FTC IDENTITY THEFT REPORT AND SUBMITTED THAT DOCUMENT TO THE CREDIT REPORTING AGENCIES. ALL THREE REPORTING AGENCIES, XXXX, XXXX, AND XXXX  DELETED THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT, BUT RECENTLY XXXX  REINSERTED A FRAUDULENT ACCOUNT BACK TO MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am receiving notices on my credit score from a XXXX XXXX XXXX XXXX XXXX app that is stating I made 6 late payments even though I have never missed a payment or accrued interest. I believe my credit score is misrepresented and I desire a dispute to have this misconception amended and my credit score brought up. 

Further, I am receiving many more credit inquiries than I have agreed to. For example, XXXX XXXX sent me a card saying I was preapproved, so I agree to have the card and they made a credit inquiry and did not send the card. I have seen similar tactics from XXXX XXXX  and XXXX XXXX.
Product: Debt collection

For the better part of XXXX  days Wells Fargo bank tried to collect on a loan without standing. They had not issued a decision letter in the PPP process. They simply demanded payment. Please see case XXXX for reference. After a review, the abuses seem to be part of a pattern, ( See case XXXX ) I am not seeking my money to be returned other than the fees they inappropriately assessed.
Product: Credit card

Comenity is the third party vendor of XXXX, a clothing store. I am a customer of Comenity via my relationship with XXXX. I am XXXX XXXX XXXX and am being charged for a paper statement. I can not navigate their complicated online payment process. It changes every time I attempt to access it. I can not talk to a live person as their system is fully automated. I challenge the CFPB to call the number they provide on their statement ( that they charged me {$2.00} for ) to speak to a live person. That number is XXXX. 

If you do get a live person, please let me know how you did it. 

This lack of service with a fee associated with it triggers a XXXX violation as it is unfair and deceptive. I also allege this constitutes as elder abuse, as the online payment process is mired in poor design and elderly people like myself can not get help. 

Given Comenity 's record of XXXX violation with add on fees, I am asking the CFPB to direct their examination team to exam their polices and pricing procedures. Since it's impossible to lodge a complaint with Comenity due to their non responsiveness I would ask that the CFPB review their complaint monitoring and logging program as well.
Product: Vehicle loan or lease

Bought a car that was mistakenly repossessed with us auto. When I finally after 3.5 months got the car back I found out that they went out of business. Through a friend I found out the company that took over the payments which was Westlake Portfolio Management. After reaching out to them I was told I owe XXXX dollars for late fees and 2 months worth of payments. I asked to explain in which they gave me the same answer. Very rudely. Set my payments for the amount of XXXX a month which was never taken out. Sent money orders which was returned. And now they are saying I owe XXXX. Upon looking for another car I have been denied multiple times because of this, so now I have to find a way to work daily
Product: Debt collection

I am bringing to your attention a matter that has significantly disrupted my life and caused me severe hardship. This collector reports continues to report an account on my credit report that should not be there. On   XXXX   XXXX  , 2017 I wrote to this company and had them served notification of my dispute by certified return receipt mail In the letter I asked that they produce my signature to show where I agreed to pay this alleged debt along with all other documents that I may have signed and agreed to. No such documents were produce and yet the company just kept on reporting the account on my credit report as a valid account despite my dispute to the credit bureaus. My legal counsel has advised me that this is a violation of Sec 809 of the Fair Debt Collection Practices Act that is enforceable in court.
Product: Checking or savings account

To whom this may concern this is in regards to several unauthorized checking account transactions made via debit card. Bank of America claimed my first two claims were considered invalid as they failed to add the correct amounts and transactions I provided. Also, due to having previous business done with this merchant they were denied. Another claim was initiated XX/XX/2023. This time for the claims they did XXXX XXXX separate claims, doing each transaction that was not authorized into separate claim. I called first thing on Sunday morning XX/XX/2023. These series of transactions happened on XX/XX/2023. Transactions cleared on XX/XX/2023. I first attempted to contact XXXX XXXX the merchant, the phone number provided under these transactions was out of service. I reached out via email. They then emailed me back calling me " XXXX '' in several emails. I did not feel as if my account was secure or safe. The transactions that were unauthorized is a total of {$19000.00}. Bank of America is currently undergoing investigation of the charges and Ive only received {$40.00}. I wanted to make the CFPB aware of this ongoing issue and any help that can be provided would be greatly appreciated. Images attached are faxed photos. Such amount is creating financial hardship. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an apartment by the name of XXXX  thats is showing up on my credit report as well as a company by the name of XXXX XXXX ..I disputed this with both credit bureau and company and it hasnt been solved.. I have never reside at this place called XXXX..Also a company by the name of XXXX  XXXX  XXXX XXXX and XXXX XXXX.which is been serviced by XXXX XXXX XXXX credit is on my credit report.. which I have no idea or affiliation with these companies..
Product: Debt collection

I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

I noticed a collection on my credit report that I was not aware of and don't believe is mine as i have no outstanding debts with anyone including the company the collection company is attempting to collect the debt for, Charter Communications. 

I attempted to contact the Collection Company, Amsher Collections and asked them to validate the debt and asking them to prove the debt belongs to me. I asked to verify the personal information on the account, asked them to send me a contract, statements or documentation from Charter Communications with my name or address on it that shows what the charges are for. 

I sent letters to Amsher on XX/XX/2023 and got no response so, I sent another letter XX/XX/2023 and again got no response so, I sent a third letter on XX/XX/2023 asking them why they have not responded and for the third time got no response. 

I've also attempted to dispute the collection account with the three credit reporting agencies beginning on XX/XX/2023 and agin on XX/XX/2023 and currently with disputes that were sent XX/XX/2023. The problem is the credit reporting agencies will not respond to my disputes either! 

I read on the CFPB website that the collection company and the credit reporting agencies are supposed to respond within 30 days of a dispute but I have yet to get a response from any of them. 

After doing some research I read that the credit reporting agencies are no longer required to respond to consumers about disputes on their credit reports, is this true? How can these private companies not be held accountable for misinformation they are reporting? 

This misinformation is hurting my credit and my financial stability and the fact that they don't comply with Federal Laws that are supposed to protect consumers is frustrating.
Product: Checking or savings account

Deposited cash into PNC ATM. ATM ate my {$700.00} without providing receipt or depositing into account. Immediately went inside to the bank and reported. Since that received voicemail and email and to my reply use only silence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over to Experian for investigation into the accuracy of the information that has resulted in a public record Bankruptcy. They sent a reply back within 6 days, when a proper investigation takes up to 30. I contacted the Federal court and they stated they do not verify any information over the phone. I would like Experian to provide me with verified proof. I also did a dispute with XXXX XXXX XXXX XXXX XXXX reviewed the bankruptcy information. Case or ID # XXXX the results are : This item has been deleted from the credit file. If you have, additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX. Attached is proof of this account being deleted!!! Please follow suit and delete this information as well. I formally request that the following inaccurate items be immediately removed from my credit report. This must be removed in order to show my true credit history, as these items should not be on my credit report.
Product: Credit reporting or other personal consumer reports

I am Filing an Complaint As A Federal Protected Consumer To Exercise My Consumer Rights To Resolve Inaccuracy, Unfair Activity In Concern With My Credit report. 

I Am Also now opting out of ANY and ALL authorization I the consumer may have given you written, no-written, verbal and non-verbal per 15 USC 6802. Im Rescinding that authorization per 15 USC 6802. According To 12 CFR 1016.7 states that a Consumer may exercise the right to OPT OUT at any time. This is effective immediately and indefinitely.

According To 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

According to Fair Credit Reporting Act, 15 U.S. Code 1681 - Congressional findings and statement of purpose. Accuracy and fairness of credit reporting The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.