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

I deposited a check at Bank of America on the XXXX of XXXX for XXXX at the XXXX, Texas location. I received a receipt that states XXXX available on XX/XX/23 at XXXX & XXXX available on XX/XX/23 at XXXX. The representative at the bank also told me this information. Well, it's the holidays and none of my money is available they have a hold on it. I have spoke with several customer service representatives and supervisors regarding this matter where XXXX reps stated something different from what the supervisor advised me. So, it's like who do you believe or trust when you are continuously getting conflicting information. I was told XXXX available on XX/XX/23 that's what I'm expecting. Nobody seems to know anything or can tell me the correct information, but misinforming customers is not okay.
Product: Checking or savings account

I went to a local Bank of America XXXX to deposit a {$10000.00} check. I was given a print out with a transaction ID informing me a hold. I was given dates the funds would be available. The deposit was made around XXXX pm on XX/XX/XXXX. {$5300.00} was supposed to be available on XX/XX/XXXX at XXXX pm and {$4400.00} is supposed to be available XX/XX/XXXX at XXXX am. As of today XX/XX/XXXX that portion is still not available. I have {$4.00} in my account and was told my money would not be available until XX/XX/XXXX at XXXX am by one customer service rep. I explained that it depending on that money and can not live on {$4.00} for nine days. I was then transferred to another customer service representative and was basically told nothing could be done. I have previously banked with XXXX XXXX and made large check deposits and my funds were available the next business day. Given the circumstances I was lied to about when my funds would be available I would like to File a complaint against Bank of America for not processing check deposits in a timely manner. I will have to borrow money for my bills, rent, and groceries until the money is available. This is the second time Bank of America has placed a hold on my funds. The first time was in XXXX and was a paycheck from my employer in the amount of {$600.00}. I understand that the check has to clear but the fact that I have used other banks and never had an issues with a hold this long makes me very upset. Bank of America was not willing to do anything. I asked if I could just have at least {$500.00} available to hold me over until they process the check and was told no. {$4.00} is not going to last 9 days. They need to reevaluate how the process check deposits. They told me all banks take that long and place holds but not in my experience with other banks.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : 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: Checking or savings account

Money was illegally withdrawn using stolen debit card information from my Wells Fargo checking account debit card. Wells Fargo has refused to reimburse me for the stolen money for just over {$19000.00}. They have told me that no fault was found in their investigation with the stolen funds and I will not be reimbursed. Furthermore, they have refused to release any details of the investigation they claim to have performed.
Product: Mortgage

Dear Sir, Ditech is my 2nd mortgage company. I was XXXX for 8 months. I applied for hardship loan modification, sent in all the paperwork. When I started working in XXXX I called to let them know. they requested paperwork for modification. They kept losing my paperwork and assigning different relationship managers. I followed up constantly. This went on for several months. Today, I called and they said my modification was denied because Im working and make enough money to support my monthly payment. they now want me to pay {$7000.00}.
Product: Credit reporting or other personal consumer reports

this account XXXX XXXX XXXX has been deleted from my credit report XXXX deleted this account from my credit report so equifax has to delete this account from my credit report
Product: Credit reporting or other personal consumer reports

I am filing this complaint personally. After examining my credit report, I noticed entries for late payments. However, more than 30 days ago I sent correspondence regarding these listings, but I have not received a response, and they have failed to provide adequate validation for these supposed late payments. I kindly request your assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
Product: Debt collection

I am receiving this letter from Nelnet loan services, this is the second time Nelnet has requested identity theft when I did not request for identity theft. I requested for debt validity and requested verification of the debt which was not answered. Attached to this is a letter I requested plus the green return receipt which I know they have received this letter on XX/XX/. Also the response of the debt collector. Nelnet loan services did not provide me this information, in pursuant to 15usc1692g validation of debts, without this information this alleged debt can not be owned by me but Nelnet is the owner of the {$26000.00} debt. Please discharge this debt.
Product: Vehicle loan or lease

My truck was reposseed on XX/XX/2019 i never got any default notice or phone call the came and took it and left plates and sold it in 4 days
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 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 an account without my written instructions. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : 1. Credit the amount of the credit balance to the consumers account.

2. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer.

3. make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number. Please refund the available balance on the account please. 

This creditor is in violation of 15 US code 1692J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2022, I obtained an XXXX XXXX XXXX XXXX with a balance of {$1000.00}. 

On XX/XX/2022, I opened the gift card for the first timed and checked its balance online, only to notice that someone has already used this brand new gift card : XX/XX/2022 PAYPAL XXXX XXXX XXXX {$960.00} XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA - {$0.00} The fraudulent transactions were done by PayPal and it includes the phone number XXXX which is a known scam number. I did not make that purchase and in fact haven't opened up the card until XX/XX/XXXX. 

I already contacted XXXX XXXX multiple times but they have explained that I need to work with the merchant, PayPal, to resolve this dispute. A CFPB complaint against XXXX also states the same. 

The credit card number in question is in the attached file XXXX
Product: Money transfer, virtual currency, or money service

I ask for a cashiers check from my personal checking account. I did not have the plastic card but have my identification document, other credit and debit cards available. I was also able to login into the bank app. The cashiers check was of XXXX. The funds available in that account surpass the cashiers check amount.

The bank teller got documents and were able to confirm my identity however they said the system should send me a notification on my phone. Which didn't happened. So the bank teller said they can not provide the cashiers check.

They asked me to try on their ATM using the digital wallet where I installed the debit card. It asked for my pin and it didn't allowed me to withdraw too.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently got my credit report and as I was reviewing my credit, I noticed a few inaccuracies and would like your help in correcting these errors. There are some inquiries reporting that I have no knowledge of. 

I have called these credit bureaus and was told to file a police report. Nowhere in the law does it state that I have to provide a police report this is clearly a stall tactic and going against my human rights. The inquiries below need to be deleted from my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I demand the deletion of these inquires
Product: Money transfer, virtual currency, or money service

Venmo is having an ongoing issue with their app where the users are not able to access the funds in their accounts. My funds are being held in my business Venmo account with no option to transfer them to my bank. The transfer button has completely disappeared. I have been trying to resolve the issue with the company since XX/XX/2023 ( over a month ) and every time I speak to someone they say there is no update but they will escalate it to the app engineers. I am told every time that I will be reached out to within 3-4 business days. As mentioned this has been ongoing for a month and no one has reached out to me. I have called every week for updates and they say the same thing- theyll escalate it, no update. They are unable or unwilling to facilitate a manual transfer, and have no option for me to receive the funds that are in my account. I asked if I am the only one who is having this issue and they stated, no, that its an issue many users are facing which means they can not access the funds in their Venmo accounts, either. I do not understand how this is acceptable. The customer service will not provide info for customers to be in contact with management or higher level of escalation. I am essentially stuck, with no options to receive the money I made through my small business markets. This is detrimental to my company as I need that money to pay bills. Etc.
Product: Student loan

In XXXX I applied for and was granted XXXX  XXXX status. I provided proof from state of Virginia XXXX XXXX   XXXX and my Dr. completed documentation. my {$3000.00} loan was discharged. In XXXX I received a notice asking if I was employed. I called Nelnet ( loan holder ), explained I could not work. They asked that I send email stating such, which I did. They were contacted again in XXXX the year XXXX XXXX were XXXX  in my XXXX. On XX/XX/XXXX I received a letter dated XX/XX/XXXX stating my loan is in default and my Social Security funds will be offset. I contacted the Department of Education on The evening of XX/XX/XXXX after waiting on the phone for 40 mins. To speak a representative comes on the line tells me I needed to reapply for XXXX XXXX every three years  until the end of my life. She said my check will be taken and she rudely hung up as I was asking questions. On XXXX XXXX I contacted Nelnet, they explained they received the email they requested from me but I neglected to sign it. 
I also sent a hard copy letter with signature. When I asked for a copy they couldnt provide one, but they informed me that Ill need to reapply. They said they could not stop my Social security checks from being taken. Im a XXXX yr. old senior with an XXXX yr. old Ill mother. Well be homeless if they confiscate my funds. Ive written them all to no avail. I asked them to reinstate me. They refused. Please help me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 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 XXXXXX/XX/XXXX.
Product: Bank account or service

A {$1700.00} check from a different bank 's account was debited from my account. They have the same routing # and account number.
Product: Payday loan, title loan, or personal loan

Loan was taken out in XXXX of 2019. I have paid over {$1000.00} for a XXXX loan and now I am receiving threatening letters from a debt collector. They are refusing to send me my payments and loan agreement.
Product: Credit reporting or other personal consumer reports

Accounts on my credit report are not mine and need to be removed
Product: Credit card

Please see timeline below. 

XX/XX/year>, I signed the contract with XXXX XXXX XXXX XXXX XXXX as XXXX XXXX XXXX to repair my bathroom because the shower pan was leaking and damaging the adjoining floorboards. I paid XXXX {$9400.00} for the work per the estimate they provided, which was charged to my XXXX XXXXXXXX XXXX credit card. The total amount of the work was {$10000.00}, and {$9400.00} was the first portion that was required to begin work. 

XX/XX/year> XXXX began work on the shower. They tore out all the shower walls leaving the walls exposed where you can see the wood studs ( photos attached ). They did not dispose of the tile and material, and left it sitting next to my house, which caused a pest problem with cockroaches that necessitated me to pay for pest control. 

XX/XX/year> After multiple calls from us, XXXX contractors came back to inspect exposed shower walls. They said they need more money to continue repairs as there are more problems with the wall having water damage. They said they would reach out to my XXXX XXXX company ( Homeowners of XXXX ) to provide new adjustment for the original estimate. Per my XXXX XXXX company, no documents or information was received from XXXX XX/XX/year> - XX/XX/year> Calls were made at least every other day to : XXXX. XXXX XXXX XXXX number, XXXX reports were made and were promised to be given a call back in XXXX hrs. No return calls were ever made. 
XXXX. ServPro Claim Representatives, calls are not answered. Short texts are received saying I'll get you updates by tomorrow. They never called back or gave any further response. 

To this date, there has been NO response from XXXX regarding my request for a refund of the {$9400.00}. 

On XX/XX/year>, I filed a billing dispute with Citi to request credit for the amount that XXXX charged me, for " goods and services never received ''. 

XX/XX/year>, my attorney sent XXXX a demand letter seeking a refund for the charge they made. 

XX/XX/year>, I sent Citi all the supporting documents for my case, including all communication with XXXX, photographic evidence of bathroom being torn out and left undone, signed contract, etc. 

XX/XX/year>, Citi issued me a decision letter regarding the dispute saying that I am responsible for the {$9400.00} amount paid to XXXX. This is unacceptable because XXXX clearly was committing fraud and breached the contract and refused to refund me for services that were never received. 

Citi said they can resume the investigation if I send the contract ( which I already had done in the previous request of documents from them ). ( Please see attached the decision letter ). 

XX/XX/year>, I sent all the information Citi requested again and request them to resume the investigation. 

Please help me by communicating to Citi to cancel the charge from XXXX. Attached is all the documentation and proof regarding my case. 

Thank you.
Product: Debt collection

This complaint is connected to the one i filed ID XXXX, where they presented some documents that are partial or lacking some pages to it. I have some of the documents that they didn't submitted in response to my complaint.
Product: Credit reporting or other personal consumer reports

On Or around XX/XX/XXXX I notified the credit bureau agency that the balance reported on my XXXX XXXX XXXX XXXX was incorrect for this month .My current balance was {$69.00} out of {$1500.00} credit card balances .However after undergoing a investigation that wasnt properly investigated by the credit bureau agencies and not the creditor they left a {$590.00} increasing my credit utilization affected my credit score negatively.On XXXX XXXX the poor investigation lead to denial of credit.