23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$13000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$59.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  Balance : {$1800.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, XXXX XXXX all violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Equifax that I applied for credit in which I never applied for. they have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, employers, phone numbers and names corrected on my report as this is a violation of my consumer protection rights.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX  ( Original Creditor : XXXX  ) # XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

5 years ago I opened a personal account with PNC Bank. I used this account for a solid 2 years and out of the blue PNC closed my accounts and sent me a check in the mail. I called them and they advised they had the right to close my account without a reason. Ever since that happened I have not been able to get approved for a checking account anywhere. I have called many times and they always advise that they don't have to provide me any information relating to the account or to why I am getting denied a account. 
Over the last two weeks I worked with PNC bank XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and she was helping me to open XXXX business accounts for my company XXXX XXXX XXXX. After a 3 hour meeting with XXXX this week she was able to open the accounts. The next day those accounts were closed by PNC. I then called customer service and they advised me that I would need to see XXXX the bank XXXX to explain what is going on. I now have been emailing XXXX for XXXX days back and forth and she has advised me that I need to transfer all my businesses to my husbands name so he can open an account with them. I asked why and what is going on to make PNC not let me open an account with them via XXXX or XXXX. She is unable to provide any information about the denial. My concerns are did PNC open a extra account in my name to boost numbers and that account was used by a worker and was closed and this is why I cant get accounts with PNC or any other bank? Or is it based on my heritage that I am part XXXX? I just want a clear answer to what is going on to cause all of this. I never had any issues with banks until I had a PNC account. I am worried that PNC has maybe leaked my information or ruined my changes with ever getting a bank account now. I never had any charge off accounts or anything negative. Please advise on what I should do and if I should pursue legal help.
Product: Mortgage

I contacted US Bank because I was going through a divorce and need help with making sure that I could make my mortgage payments. I 've owned my home for six years, and never been late on a payment. My ex husband abandoned me and my XXXX month old son. I was told that US Bank offered many programs and that I would qualify for at least XXXX of them. So I applied for the loan modification, and was denied. I was n't given any other options! I applied again and was denied again. They said my income debt to ratio was too high. Well of course it would be! I have a mortgage and other bills! I thought the whole point of the loan modification was to help with you are having trouble!? I am now in the process of the short sale process, as well as the stages of foreclosure. I call the bank and email and they can not give me any answers to my questions. It 's like I 'm talking to robots. I have worked my whole life and to have my home taken away from me due to a divorce is so very sad. I 've never asked for assistance in my life, but when I really need it I 'm denied. How embarrassing this is for me. On top of this all, my ex husband has move to another state and is n't dealing with the stress of receiving certified mail, being served by the sheriff letters of foreclosure. What is the point of loan modification and offering it to someone? It gave me a little bit of hope then a nice smack in my face. I 'm looking for help! I 've drained every single account and IRA I had to try to keep my home. It 's a shame that my XXXX year old son and I are losing our home. I guess this is now the American dream.
Product: Checking or savings account

On XX/XX/XXXX The company owes me about {$700.00}. 
I had a fews dispute, and the money was coming back to my bank because I won the disputes. 

US Bank kept taking the amounts of money I won back, out of my bank. 
XXXX the last amount of money that I got back, it was around {$55.00}, and they told me that I won the dispute and that they would put the money back on my account, but had bring a letter in or contact them. 

I did not know they wanted me to come into the bank because I did not read the letter that they wrote me to come into the bank because sometimes I don't check my mail. I went to the physical bank because I was wondering why I could not hear my bank balance for my debit card when I called in on the phone, they said because I did not bring the letter into the bank or contact them, so they had to close my account. 

So since I did not contact him or bring the letter in they had to close my bank account. 

They sent my account into overdraft for no reason. 
I did not put any charge on my account whatsoever to go into an overdraft. 
It was their fault, not mine. 
Plus I won those disputes fair and square. 

This is what they said in the letter that they sent me. 

We are writing to notify you of an update regarding the recent transactions you alerted us to on your account. 

On XX/XX/XXXX we requested additional information from you concerning your dispute with XXXX XXXX in the amount of {$59.00} Side note : By the way they did not reach out to me on XXXX the XXXX XXXX. 

Continuing the letter. Unfortunately we have not received a response to your request. Without the requested information, we are unable to assist you in resolving your dispute. 
Due to the above circumstances on XX/XX/XXXX we will be reversing the provisional credit previously issued to your account on XX/XX/XXXX in the amount of {$59.00} plus any applicable fees previously refunded. 

Please contact us if you would like the information used during our research. Thank you for your patience and cooperation throughout this process. No further action is needed at this time. 

If you have any questions kind of please contact card member services representatives at XXXX. We are staffed XXXX hours a day, XXXX days a week. We accept relay calls. 

We truly value your business and as always, you can view and manage your account in the US Bank mobile app or at XXXX 

Sincerely, card members services. 
This letter was sent to me on XX/XX/XXXX. 

Please help fix this issue for me. I also wanted to include that the people who talk on the phone at US Bank were being very rude to me when I was trying to file my disputes. 

Thank you guys, please tell them to open back up my account so that I can have my bank account and so that I can receive the rest of my money from my disputes. Thank you so much. Have a good day.
Product: Credit reporting or other personal consumer reports

I disputed that this account is reporting 30 days late on XX/XX/year> in the payment history section. It's making this account look as if it's not paid. Which it paid and closed. But the payment history section makes this account appear as if I still owe. I asked XXXX XXXX XXXX to correct this. They claim that this account is accurate. I would like for a removal of this account. It appears as if I still owe and I don't.
Product: Student loan

Attended a school named XXXX XXXX. The school took a loan from Navient. I left XXXX after attending a few months. The school closed and became XXXX College. XXXX College closed and became XXXX College. However, it 's impossible to locate the transcripts from XXXX because it closed. It 's impossible to show proof that I attended that school. Thus, proving that the school is a scam school, which works with companies like Navient in order for both Navient and the school to take away money from the student. In other words, the school disappears, but Navient still demands payments. Money that they should n't have taken from a scam school, but still took. Navient now expects me to pay {$21000.00} for only attending a few months. Money that I should n't pay because it was all a scam. This money should be paid by the scam school.
Product: Debt collection

XXXX was terminated in XX/XX/2019, and had no contract with my company. My credit card company agreed to review my case with XXXX and determined my company did not owe XXXX about {$250.00} since I HAD GIVEN NOTICE TO TERMINATE XXXX XXXX properly. I was previously on an auto-pay to my credit card company.
Product: Credit card

Costco sold their XXXX XXXX credit card to Citibank. We did not want a Citibank card so we changed our XXXX XXXX card to a different account. We did not request or authorize Citibank to issue us a card or account but apparently they did it any way. We never received the cards. Instead we received a bill for an unauthorized charge by XXXX auto club. We noted that XXXX also sent an unauthorized charge to our XXXX XXXX. We contacted XXXX, they refunded their charge to our XXXX XXXX. We contacted Citibank about the duplicate charge and they investigated and agreed that it was a duplicate unauthorized charge. After multiple and multiple phone calls, Citibank still has not removed the duplicate charge. We assumed that it was taken care of when statements stopped coming, but now suddenly a statement comes in the mail after months of not being received in the mail telling us that the account is past due with absurd late charges. WE DID NOT REQUEST A CITIBANK CREDIT CARD AND DID NOT AUTHORIZE XXXX TO MAKE A CHARGE TO THE ACCOUNT. WE NEVER RECEIVED THE CARDS AND NEVER HAVE USED THE ACCOUNT. CITIBANK WAS TOLD TO CLOSE THE ACCOUNT AND REMOVE THE DUPLICATE CHARGE ON MULIPLE OCCASIONS, BUT THIS HAS NOT BEEN DONE. NOW OUR CREDIT REPORT IS SHOWING LATE PAYMENTS FOR AN ACCOUNT AND CHARGE THAT WAS NEVER AUTHORIZED OR USED.
Product: Money transfer, virtual currency, or money service

I sent money on XX/XX/year> via Western Union to a bank account in XXXX. The mode of payment was XXXX XXXX, i used my debit card. The transfer was supposed to be instant as i paid the fee for it. After i sent the amount, it said that the transfer was complete, but the receiver never got it. I called WU to check what happened and they told me to wait 24 hours, which i did but still the receiver did not get it. The receiver is a family member and not a stranger, just FYI. I have sent money to this account several times. 
WU told me to check with their bank and they had called the bank but they did not receive any transaction detail either. Now WU agent that i called is saying that it might take 7-8 days for this transfer, when i paid a fee for it. 
This isn't the first time that i lost money. Last year around XXXX same issue occurred where it showed that the money was transferred but my receiver never got it. WU instead asked me to provide her bank statements, which is totally against privacy. So this time i asked them to file a claim and they said i need to wait to do this.
Product: Money transfer, virtual currency, or money service

XX/XX/2019, a customer chose to pay me {$850.00} for repairs to her home via Venmo.com. Venmo allowed me to accept the payment and gave me an option to transfer the money to my bank. After initiating the transfer Venmo.com told me my money will be available in 24 hours. When the 24-hour period expired I messaged and called Venmo.com about why I had not received my money like they told me in an email. Venmo.com never responded to my text but the did answer the phone on Friday, XX/XX/2019 to tell me that my transaction had been flagged for review and I will need to wait three business for them to finish their review. They could not tell why my monies was being held other than to say the FTC is reviewing my transaction. They never advised me that my money was being held nor could they tell me why the FTC or ACH needed to review my transaction or a hold code. This is financial burden to me and my business and I deserve my money plus interest due to the unexplained delay.
Product: Checking or savings account

I am writing to express my deep concern and frustration about an incident that occurred at your XXXX, Minnesota branch. On XX/XX/year>, I attempted to withdraw {$4000.00} from my checking account. However, I was treated with a level of disrespect and discrimination that was both humiliating and deeply distressing. 

When I requested the withdrawal, XXXX, an employee at the branch, informed me that I could not take out that amount. When I asked for clarification on the maximum allowable withdrawal, she stated it was against company policy to disclose that information. 

I then approached another employee for assistance, but XXXX intervened, telling the other worker not to help me. She claimed to be the XXXX and threatened to call the police if I did not leave. The situation escalated when she followed through on this threat, falsely telling the police that I was disturbing the peace. This was not only frightening but deeply embarrassing, especially as a XXXX XXXX  in XXXX. 

I believe XXXX actions were racially motivated. Her discriminatory behavior and the unjust closing of my accountsafter years of loyal business with Chaseare unacceptable. No customer should be treated this way, and such conduct has no place in any professional environment. 

I request a thorough investigation into this incident and appropriate action against XXXX. I also seek a formal apology and reconsideration of the unjust account closures.
Product: Vehicle loan or lease

In XX/XX/XXXX, Santander offered their clients a 2-month forbearance due to the COVID-19 pandemic and stated the payment in forbearance would be added to the end of the loan. My salary had been decreased during the pandemic, so I decided to accept the help. Santander sent me the forbearance letter informing me that I did not have to make my XX/XX/XXXX and XX/XX/XXXX payments and informed me that the maturity date on my loan would change from XX/XX/XXXX, to XX/XX/XXXX. I didn't read the entire forbearance because I thought I was signing what they were offering me. However, after reading the document today, it appears to be an " extension '' agreement for customers who were late making payments and behind on their car payments. Neither applied to me because I HAVE NEVER BEEN LATE MAKING A PAYMENT NOR HAVE I EVER BEEN BEHIND ON MY PAYMENTS. In reviewing my transaction history, it appears that the first 2 payments that I made after the forbearance period, Santander applied 100 % of XX/XX/XXXX and XX/XX/XXXX payments to interest ; my account balance remained {$29000.00} for 5 months, from XX/XX/XXXX until XX/XX/XXXX. They also added a comment to my credit report for those months stating that " Affected by Natural Disaster '' for months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In the past, I question Santander about the interest they were taking from my monthly payments because it was never the same amount and seemed to more as the balance decreased. I would like to know what they meant by the comment they added to my credit report because XX/XX/XXXX and XX/XX/XXXX were the ONLY months - since I purchased the vehicle - that I did not make my monthly payment. In addition, under the Actual Payment section, they are reporting that I did not make my XX/XX/XXXX and XX/XX/XXXX payments. That information is not true - I paid my XX/XX/XXXX car payment on XX/XX/XXXX, and the XX/XX/XXXX payment on XX/XX/XXXX. On XX/XX/XXXX, I traded the XXXX for a XXXX and the XXXX dealership paid off the XXXX on XX/XX/XXXX. Santander reported the XXXX to the credit bureaus on the same day, but DID NOT report that the XXXX was paid in full with a XXXX balance ; therefore, they are reporting 2 high-balance car loans when it should only be one. All of their reporting affects my credit and credit scores. Lastly, I had a car loan with them for 2 years, before I purchased the XXXX, I was never late and never missed a payment, yet they charged me a ridiculously high-interest rate like I had never done business with them before.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding Citibank and their handling of an insurance payment related to my XXXX  credit card account. 

Incident Description : On XX/XX/XXXX, I was involved in a motorcycle incident, resulting in my bike being totaled. My XXXX insurance issued a check for the amount of {$5200.00} USD on XX/XX/XXXX, to cover the cost of the bike. This check was cashed on XX/XX/XXXX ( copy attached ). 

Since XX/XX/XXXX, I have repeatedly checked my account to ensure the total amount was applied correctly, but it never showed a XXXX balance. Despite my numerous complaints starting in XXXX, no action was taken to resolve this issue. 

Actions Taken : In late XXXX, Citibank informed me that the check might have been lost and requested more evidence of the check. 
I contacted my insurance company and obtained a copy of the cashed check. 
On XX/XX/XXXX, I complied with Citibank 's request to send the copy via fax for security reasons and successfully sent it. 
Following this, I checked in weekly for a status update. Each time, my calls were forwarded, and I was told they could not find the fax. 
I continued to check as recently as XXXX  and XXXX  weeks ago, but encountered the same issues. 
Throughout this period, Citibank has contacted me monthly to correct the debt. I have repeatedly explained that I do not owe anything and that the issue is due to their failure to apply the insurance payment to my account. 
On XX/XX/XXXX, I called to request a formal complaint. I was put on hold for almost an hour, but my request was neither complied with nor given any resolution or time frame for resolving the issue. Additionally, they provided me with a " direct line '' that is not associated with the XXXX  credit card customer service. 
Current Status : As of today, XX/XX/XXXX, Citibank has failed to resolve the issue, provide any temporary solution, or comply with my request for a formal complaint. Despite my numerous attempts to rectify this situation, they have not properly applied the insurance payment to my account, causing undue stress and inconvenience. 

I am seeking the CFPB 's assistance to resolve this matter promptly and ensure that Citibank correctly applies the insurance payment, removes any associated debt from my account, and takes corrective action to prevent such occurrences in the future. 

Thank you for your attention to this matter. 

Sincerely, -XXXX
Product: Money transfer, virtual currency, or money service

Hello CFPB, Thank you for your time in taking care of it. 

This is XXXX XXXX, My last social is XXXX ( i also have other names as XXXX XXXX, XXXX XXXX XXXX, and XXXX ). 

I have been living in the USA since 2000. I am a US citizen. I was sending money to my family, friends using XXXX XXXX money services. I recently reached out to XXXX to get the details of money I sent from the year 2000 to now but MoneyGram declined through my email requests. I contacted MoneyGram ( customerservice@moneygram.com ) and at XXXX several times and all my calls routed or attempted by abroad ( XXXX, XXXX or some other country I dont know they even exist and also representatives are very rude in responding and not useful for customers ) representatives and they even dont know the USAs geography and simply denied my request many times as usual and declined to transfer my calls to any of the US customer supports but they say can not transfer or no US customer support available. 

The MoneyGram company has headquarters based in the USA but all the poor customer support from abroad? What privacy we have as an US citizen? 

During my recent discussions with my family members and friends, I came to know that some of the recipients either received less than the promised conversion rates or never received at all. I need the complete details from 2000 to now for reconciliation. XXXX simply declined my tax paid money and I paid thousands so far for as a fee. I have every right as a US citizen to get my information. I am sure I am entitled to my complete details as requested. I am a middle-class employee and this money is my hard-earned. 

Please take this as my written complaint to get my info and help me. I sent Money where i lived from XXXX, XXXX, XXXX and other places. 

I will pay a minimal fee if I required to pay to get my required info. As I already paid XXXX dollars as a fee sending for money. 

People I sent money through XXXX : 1.XXXX XXXX , XXXX 2.XXXX XXXX, XXXX 3.XXXX , XXXX XXXX XXXX, XXXX XXXX. Any others I sent. 

Sincerely, XXXX XXXX XXXX XXXX XXXX