23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XXXX XXXX, XXXX I found out that Capital One bank put hold on all checking account I had. I immediately contacted bank via secured chat because I can not reach anyone over the phone. My depost {$240.00} showing totally unavailable which make me extremely upset due to terrible banking experience with this bank before. I had made several complaints against this bank due to stole funds against my will on XXXX XXXX, XXXX for total {$80000.00} plus all lost interest earning for 2.5 years total {$8000.00} and travel expense to branch 7 times to collect stolen funds. This bank never change its stolen nature. I as consumer has great concern regarding the safety of my deposit. Most recently I sent two messages to this bank to ask my stolen funds, but I can not get any assistance. On XXXX XXXX, XXXX I notified this bank to return all my deposit plus stolen funds in XXXX XXXX, so I can close my accounts to end this terrible banking experience with Capital One. However I was directed to call Fraud Dept. I indicated to bank rep that my deposit had no fraud, and I do not want to continue my deposit simply because the prior terrible experience in XXXX XXXX as reported several times to CFPB for immediate assistance. Now 2.5 years passed, I can not release my pain, suffering to lose my savings to a theft XXXX XXXX who I do NOT authorized at all. I once again to ask all my deposit back plus stolen funds in XXXX XXXX, so I can discontinue my terrible banking experience with Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX, XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX Balance : {$55.00} ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$55.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Nelnet Refuses To Mail Me A Paid In Full Letter After I Paid The Private For Profit School Student Loan Scam Off On XX/XX/2018.I Have Called Several Times And Every Time They Give Me A Different Answer, Thirty Days, Fourty-Five Days Etc.They Have Their Scammed Money, Why Can't I Have My Paid In Full Letter? After Trying To File A Complaint With Four Different People All Calls To CFPB To File A Complaint Fell On Extremely Rude Ears Refusing To File My Complaint Over The Phone.I Don't Understand The Reason For The Runaround From CFPB.
Product: Prepaid card

For the past several years my funds are deposited to Reliacard on a Thursday. By Friday Reliacard loads those funds to my card, but not until midnight. In the past three months they are now delaying this until Monday or Tuesday. This gives Reliacard 3 to 4 days of holding my funds ( and I suspect thousands of others ) for their use before loading it for my own use of my own funds. 

I have called each time and have heard a different answer each time. Once I was told " it's a system glitch and your funds will load by XXXXXXXX XXXX '' ( they weren't loaded for 3 more days. Another time I was told, " this is how it always has been, funds take 3-4 days to post '' ( this is not only untrue, but completely unnecessary ). Then I was told, " We don't know why this is happening but we are getting calls from ever state about it so we think there is a system malfunction, they don't tell us why ''. Then I was told, " your funds should be loaded the day we get them by midnight so your state must not have sent them '' ( untrue, they did ). Then I was told, " we are not allowed to discuss this with callers '' ( callers are customers and these are our funds- if they can't discuss why they aren't providing access to OUR OWN funds, who can? ). 
This is a critical issue. I depend on child support and suddenly having to wait 3-4 extra days and spend time calling the company to receive no answers creates a crisis for me, as I need that money to pay critical bills. 

Today, XXXX XXXX said that she could not escalate me to her supervisor, XXXX XXXX, and that she legally did not have to provide anymore information about this issue. 

PLEASE HELP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act 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.
Product: Checking or savings account

Regarding Wells Fargo Small Business account checking. 
Wells Fargo is charging me these fees for an unknown service that I did not sign up for. 
I called in and the initial representative thought they were from a 3rd party.

A 2nd representative found they were from a " treasury services '' department in Wells Fargo but he had no info on the charges himself. 
In the treasury department under a service called XXXX  ( something I did sign up for about that time but did not see any info in that contract not had anything explained to me about client analysis fees ), after long research time on the phone Wells Fargo XXXX XXXX told me they also had no info what these charges were for. 
They refereed me to my 'relationship manager ' XXXX XXXX XXXX 
I have informed Wells Fargo before that XXXX XXXX when I called her told me she was not my relationship manager, the system was defaulting to her because she was the branch manager, but she just changed positions out of there and was not longer the that branch manger and was in fact not my relationship manager. 
Wells Fargo suggested course of action was to send an email to my relationship manager XXXX XXXX, but to date I have not heard a reply from that and doubt that I will. I beleive Wells Fargo Small Business is charging me for a service that I did not sign up for, is irrelevant to my company situation that is not actually providing a service, and can not provide me any info about it or how to stop it or get it refunded. 
Lastly, I as overdrawn this month by an amount similar to these unexpected fees which has caused additional fees, problems paying my other debts/financing and general issues with cash flow management impact on my business, and maintaining my credit score. 

I have recordings off all the calls and a copy of the email available on request. 

Fees charged to date : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Our XXXX Acccount/ FIFTH THIRD BANK Also known as. XXXX also known as XXXX XXXX should not be reporting late IN XXXX, XXXX OR XXXX OF XXXX. 

I am just mortified. MY WIFE CAN'T STOP CRYING. 

MY WIFE CALLED IN AND DISCUSSED MY ACCCOUNT WITH XXXX 'S CUSTOMER SERVICE BACK IN XXXX OF THIS YEAR. IT WAS CONFIRMED THAT THE ACCOUNT WAS DEFERRED FOR BOTH THE MONTHS of XXXX, XXXX AND XXXX. TO OUR DISMAY AFTER CONFIRMING WITH XXXX STAFF THAT THE ACCOUNT WAS DEFERRED WE NOTICED WE HAD BEEN MARKED AS LATE! 

the staff said they wouldn't do anything to help us! but we confirmed it was deferred on a recorded line! 

MY WIFE AND I WOULD HAVE NEVER LET THAT HAPPEN. WE ARE TRYING TO CLOSE ON A HOME PURCHASE. 

WE HAVE NEVER PAID THIS ACCOUNT LATE AND WE HAVE HAD THIS SINCE LOAN SINCE XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I forward a complaint on XX/XX/XXXX, file # XXXX with Transunion with regards to a charged off account with XXXX and XXXX furniture store. I closed my account on XX/XX/XXXX w /  XXXX and XXXX because after they negated to replaced my defective sofa bed after they stated they would. XXXX and XXXX purposelessly kept my account active past the 180 days through 515 days before the account was finally charged off on XX/XX/XXXX. XXXX and XXXX erroneously have me making a payment on XX/XX/XXXX, 5 years after authorizing my account to be closed and advising them that no payments would be made, because of their refusal to replaced a defective purchased sofa bed. They willfully kept the account active and changed the date the account was supposed be removed removed my credit report from XX/XX/XXXX to XX/XX/XXXX. Transunion was completely incompetent in conducting thorough investigation. The inaccurate information given by XXXX and XXXX is what Transunion updated without any further inquiries. I sincerely would appreciated if the CFPB would seriously investigate this matter completely mishandled and overlooked by Transunion. Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Venmo closed my account and they are refusing to release my funds on the account
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage supplied a list of 71 judgments & liens on me to XXXX XXXX. They are all incorrect, either duped 4 times, and all satisfied any years ago. 
I have written to First Advantage for a copy of this list to dispute it. They have not sent me a copy. I sent two written requests.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> : XXXX XXXX XXXX XXXX XX/XX/year> : XXXX XXXX  XXXX  XXXX XX/XX/year> : As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate my late father social security number. It have been used sinc e 2012,  even though he have been deceased sinc e   XXXX   XXXX  ,2012.
Product: Debt collection

I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.
Product: Debt collection

This company is harassing me and extorting in the name of XXXX company they say that I owe them and for me that deals with scam they are sending me aggressive letters and bulgars when they call me I need them to stop harassing me
Product: Credit reporting or other personal consumer reports

XXXX XXXX doesn't have a signed contract and no identification XXXX XXXX XXXX XXXX has been reporting false information on my credit report. The account associated with XXXX XXXX  is a fraudulent account and has been closed for several months. Some how XXXX XXXX is still adding monthly late payments to my credit History as if the account is open and active when the account has been closed for several months. This is a violation and should not be allowed.
Product: Bank account or service

My Brother passed away XXXX XXXX XXXX. I turned in his bank card to First Merit Bank Monday XXXX XXXX XXXX so that no one would be able to use it. I provided his death certificate with my ID. I was told when the account sat inactive for a period of time the funds would be released. It is XXXX XXXX and I receive a bank statement every month showing a {$1.00} fee being charged for the bank they have. The account has activity by First Merit for a card they have in their posession, the account will not ever sit inactive with them doing this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of MIDLANDCRE XXXX, XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX. I am XXXX years old. I am a senior citizen. I am an XXXX veteran of the United States of America. I object to being treated like this. 
My Identity was stolen to open credit cards, get cars, set up utility services and cell phone services and other things that I have not been aware of. 
This needs to stopped. 
I am demanding that all of these fraudulent account be removed from my name and reports with your agency immediately!
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, mandates us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates being reported.
Product: Mortgage

On XX/XX/XXXX Chase Bank sold my mortgage to XXXX XXXX XXXX California. I was advised on a phone call to Chase on XX/XX/XXXX that the ongoing electronic transfer would continue with XXXX Bank. 

On XX/XX/XXXX, the Chase Bank automatic portal was disconnected. In subsequent calls to Chase and XXXX, I found out that the ACH transaction was scheduled for XX/XX/XXXX when it previously had been scheduled for the XXXX of each month. 

On XX/XX/XXXX, a verbal acknowledgement was given that the ACH debit would take place on XX/XX/XXXX. 

Complaint : 1 } I never signed any type of authorization for a debit of my Chase account to a third party. 
2 ) I never received a written disclosure from Chase or XXXX bank stating the ACH transfer would be made with basic information : ( Date, account and amount ). 
3 ) The scheduled date, without any notification of the change in ACH date would have resulted in a overdraft if the proper account was not funded. 
4 ) Chase refused to take any ownership of the accuracy or verification of the transferred information to XXXX Bank. 
5 ) XXXX Bank initially refused to give me any type of notification of the intended transfer on XX/XX/XXXX or XX/XX/XXXX due to some version of their restrictions in disclosing information. 
6 ) How can any bank authorize a bank withdrawal to a third party without written or electronic consent? ( Chase reported that the original bank ACH " would remain the same '' on XX/XX/XXXX ) 7 ) On CFPB Inquiry call XXXX XXXX ), I was advised that a 15 day notice was to be given by the banks.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN Contact info XXXX XXXX XXXXXXXX XXXX, IN XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX Auto Financing Companies Contact info XXXX XXXX XXXX XXXX, AZ XXXX To whom it may concern : I have been contacted by your company about a debt you allege I owe.

I am instructing you not to contact me any further in connection with this debt.

Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so.

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Product: Credit reporting

I disputed the Bankruptcy on my credit report with Equifax Credit Reporting Agency. The Bankruptcy was dismissed. Based on the law the Bankruptcy should be removed from my credit report because I never filed for the Bankruptcy. I am going to provide the dismissal papers for my complaint against Equifax Credit Reporting Agency.
Product: Debt collection

Sequium Asset Solutions I never heard of, this company is trying to correct a {$970.00} payment from me. On XX/XX/2020, they had put this debt on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that I have disputed still appear on my credit report and are unverified
Product: Debt collection

I have XXXX collections on my report that do not belong on there the first collection is from XXXX XXXX the account number is XXXX the second one is XXXX account number is XXXX the last collection is from XXXX  the account number is XXXX by 15 US code 1692c if a consumer notifys a debt collector to cease further communication with the consumer the debt collector shall communicate further with the consumer with respect to such debt
Product: Credit card

On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.
Product: Mortgage

applied for a mortgage with Navy Federal Credit Union in or around XX/XX/2020 all required documents were submitted. Loan processor request LETTER OF EXPLAINATION and PAY STUBS which was submitted as well. underwriter response denied loan stating what my DTI were excessively high. 

after receiving denial letter I was confused by their boiler-plate response, see : Attached. 
no details regarding actually reason for denial- my highest debt would be a mortgage with NAVY CREDIT UNION on a owner-occupied duplex.
Product: Debt collection

called the company on XX/XX/2024 to pay the debt, was advised that they would collect the funds and provide the payment information to the clerk of courts with 10 days to clear the now paid debt refused to provide receipt for payment or any proof that the transaction had been accomplished. 

After providinmg the payment information on XX/XX/2024 I was advised that they would not process the payment until the following Monday, further delaying the resolution to the matter at hand. 

Because of their delay, my drivers license remains suspended and I am in jeapordy of losing my employment as a result.
Product: Credit card or prepaid card

CITIBANK on numerous occasions have unethical banking practices and has misappropriated funds. Citibank has discriminated against me as a customer and consumer, Citibank is recorded retaliating against me and violated my banking rights. Citibank in multiple instances have not properly adjudicated claims according to the law, have charged fees that were not owed. When I raised complaints with Customer Service Management, Corporate Office ( Citibank Executive Response Unit ) and Citibank Legal, regarding being harassed by a Citibank associate, my Privacy rights being violated and being antagonized and hung up on by Associates and ultimately disrespected. My phone calls are being evaded, I am prevented from speaking with and opening complaints with the Executive Unit and not being allowed to inquire on my accounts. I have been prevented access from my own funds and not allowed to view my transactions. I was charged banking fees to my Checking account erroneously and most recently a claim for {$230.00} was not adjudicated according to California State guidelines. In addition, My secured credit card was closed due to retaliation due to my advising I will seek legal advice. My funds have not been returned and open claims have not been legally resolved. My Citibank Visa was not graduated to a revolving account as advised and after consistent on time payments in which I called and made numerous complaints with no response nor solution from Citibank. 
Citibank has blatantly misrepresented and attacked my character and made false claims as a means to cover up their unethical bank practices, conduct and illegal activities. I have been unable to view, access and perform transactions on my account. I have been prevented from escalating to the department that investigates disputes. My Consumer rights have been grossly violated and Citibank has performed in a criminal capacity as well. There is legally recorded evidence as well as written. 
Past incident dates include but are not limited to XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX