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

I tried to use my checking account today and it was declined. I called my local US Bank and was told that my checking account was closed by the bank and that I would receive the balance of cash in my account by a cashiers check in 7-10 business days and a letter. I was given a number to call to get more information, but no matter how many times I requested to be transferred to a higher person to get an explanation or resolution, I was told the exact same information and the representatives were very rude and dismissive of my complaint. I told every person at US Bank that I spoke with that I have no money for groceries because all of my money was in my checking account ( which Ive had for over 20 years ). They did not care and told me repeatedly that I will have to wait to get the check in the mail. I was not told by US Bank that they were closing my account and had no warning so that I could withdraw my money. I was even told that US Bank can close an account at any time they want and that its written in my banking contract. I stated that I dont think its legal for a bank to deny me access to MY MONEY for an indefinite period of time. So now I have NO money for groceries and gas for XXXX weeks. I also have written checks that have not been put through yet, so I will now have NSF fees to pay and possibly penalties from the companies I wrote checks to.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies regarding reporting, with incorrect amounts and dates being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had paid off my XXXX  credit card through a debt collector, which was Midland LLC. I have tried speaking with both companies and neither of them said they could help me resolve the report on my credit report on XXXX  stating that I'm still paying on it. Which it should be closed, not open anymore.
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$9000.00} ; XXXX XXXX XXXX XXXX Balance  : {$6500.00} ; XXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/year> ; XXXX  XX/XX/year>.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 a lot of transactions happening on Zelle " Failed '' due to a system issue by Zelle. This was a glitch in the system that happened on XXXX XXXX 2020 maybe because of the date or year. I regularly receive rent money via Zelle and money is debited from my tenants bank account ( which is XXXX ) and deposited into my bank account ( XXXX XXXX ) within a minute and shows up in the Activity section of Zelle app. But on XX/XX/2020 when my tenant sent me {$1800.00} in rent via Zelle through their XXXX XXXX app the money was sent to Zelle but Zelle had  a glitch in their system and they sent me an email saying payment was delayed. The payment was delayed for few days and then the Customer Support of Zelle said that payment was marked as " Failed '' on XX/XX/XXXX and that the money will be returned back to the sender 's bank account who is my tenant. The sender has not received the money back as of XX/XX/XXXX and I had the sender contact their XXXX XXXX to followup with this " Failed '' Zelle payment but XXXX XXXX insists that money is sent and I have it in my XXXX XXXX. I have not received the money in my bank nor do I see it in Zelle app and asked for written confirmation via email from Zelle telling that this payment failed. I am attaching that email as proof of failed payment. 

Right now the issue is that XXXX will not return the money back to the sender who is my tenant so she can pay my rent which was due XX/XX/XXXX. Nor will Zelle send money to my bank since they say money has " Failed '' to transfer. Right now the money is in a limbo situation where both XXXX XXXX and Zelle and my bank XXXX do not know where the money is. 

This is just my story and there are a lot of other people like me who are complaining on twitter. This is a serious issue as from my and sender 's perspective money is lost and both parties ( XXXX and Zelle ) are playing blame game and not resolving the issue. 
Here is the link to twitter where you can see people are complaining and attaching screenshot of that as proof. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have always paid in advance but my payments have not been applied and I have been charged late fees. This has occurred several times.
Product: Money transfer, virtual currency, or money service

google pay has frozen over {$1500.00} of my family 's food money and refused to release or refund it for no apparent reason. I have been contacting them regularly for over six months & continue to refuse to give our money back to us again was frozen for no apparent reason causing my family extreme financial hardship. I know you guys are extremely busy but I appreciate you immensely because everyday people would be helpless and hopeless without you.
Product: Student loan

I have on 2 occasions tried to discuss repayment and lowering the amount. They have it set based on income and if I could afford to use all my check to pay this loan I wouldn't have taken a loan in the 1st place.
Product: Credit card

I have not been able to access billing for my Pay Pal account with XXXX XXXX. I received a paper bill on my account yesterday. 

I attempted to sign in on internet and it says we are not able to confirm it is you. 

I almost fell over when I saw the balance was up to {$240.00}. So I called the number on the billing. I asked for the amounts charged and found three transactions totaling approximately {$50.00} at best. 

I asked for the fees to be removed and they went thru the approval system too get one for {$41.00} removed at that time I then asked for the customer service representative or a phone number to contact them. I was told they didnt have access to that. She stated I would have to call the bank So again I asked for contact information and she was not able to provide it. 

I told her that I believed these fees had been limited by a recent law. She then said I am not able to access that information. 

She then asked me for payment in full and I offered a {$50.00} payment. She accepted and it was processed. 

She then said if I paid the balance by XX/XX/XXXX there would not be any fees added. 

I told her I would be contacting consumer credit and will find out if this is a legal practice. To charge four times the balance in late fees. Then would make the payments if found to be wrong. 

{$41.00} dollars monthly on a {$50.00} charge for five months is absolute consumer XXXX. Please advise.
Product: Mortgage

I purchased a condo in XXXX XXXX, Florida for approximately $ XXXX and closed on the sale on XX/XX/XXXX. Once XXXX XXXX XXXX  ( my original lender ) sold the loan to Amerihome Mortgage, I almost immediate had repeated problems with Amerihome Mortgage ( listed XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX ). Amerihome held this mortgage from XX/XX/XXXX until pay off on XX/XX/XXXX. 

Amerihome insisted on purchasing additional flood insurance on my behalf, despite having a HOA flood policy in excess of {$1.00} Million and a personal flood policy I purchased separately. I provided documentation of both these policies to Amerihome on several occasions, and despite repeated requests to speak to someone in their insurance department, they insisted that my flood insurance coverage was insufficient. In XX/XX/XXXX, they purchased additional flood insurance " on my behalf '' for an annual premium amount of approximately {$550.00}. They rolled that cost into the loan payoff amount and are now refusing to refund any of that annual premium amount, despite my having owned the condo for barely 4 months ( from XX/XX/XXXX through XX/XX/XXXX ). 

Please help me obtain the refund I am due. In my opinion, Amerihome 's practices are deceptive. They repeatedly refused to connect me with anyone in their insurance department who could give me the reasoning why a {$1.00} million dollar flood policy was insufficient and what the justification was for buying flood coverage in excess of that and the personal flood policy I carried.
Product: Vehicle loan or lease

I just received a letter from the Comsumer Financial Protection Bureau. They state that all of my information has not changed. This is because Wells Fargo Auto Finance has refused to cooperate by aski8ng for six months of Bank Statements showing that ; 1 ) I had worked for XXXX XXXX XXXX for 3 years, 2 ) My job title is incorrect for XXXX XXXX XXXX ( and I have the proof of my job title from that company. 
3 ) Wells Fargo Auto Finance failed to ask for 6 months of Bank Statements showing that my deposits, which went Direct Deposit, were accurate, I did not make {$2600.00} a month, and I have no assets of {$1400.00}. 

If they had asked for proof of this, they would never have given out a loan of this size. This could also end up going to court for Elder Abuse via Financial Exploitation. 

I had banked with Wells Fargo since XX/XX/2015, my banking records would have more than shown how much income I earned. I also did not receive the sale paperwork for one month after the sale of this vehicle. A friend went down with me to get the sales paperwork, and we were told it wasn`t ready ( after one full month after the sale ). However, the major mistake was made by Wells Fargo Auto for not asking for visual proof of income. 

Every, and any Loan Company asks for 6 months of bank statements in order to give out a loan of this size. Wells Fargo Auto is fully at fault for not asking for my bank statements for the past 6 months. WElls Fargo Auto is fully at fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in reference is my account with XXXX XXXX XXXX XXXX XXXX. 

Issue XXXX : Debt is validated but being reported inaccurately Issue XXXX : Differing reported balances [ XXXX is showing {$1000.00}, Experian is showing {$1000.00} ] Issue XXXX : Date of last payment is difference [ XXXX is showing XXXX XX/XX/2022, Experian is showing XX/XX/2022, XXXX is showing XXXX XX/XX/2022 ] Issue XXXX : Account numbers all differ According to U.S. Code 1681i- if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Debt collection

I did not authorize this debt and it does not belong to me. Please review the attached documentation.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally dispute fraudulent inquiries that have been reported on my credit report by TransUnion. My name is XXXX XXXX, and I currently reside at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Upon reviewing my credit report, I have identified several inquiries that I did not authorize. These fraudulent inquiries are negatively impacting my credit score and financial reputation. Despite my efforts to resolve this issue directly with TransUnion, the unauthorized inquiries remain on my credit report. 

I am requesting that the Consumer Financial Protection Bureau investigate these fraudulent inquiries and instruct TransUnion to remove them from my credit report. I have taken steps to protect my identity, including filing a police report and placing a fraud alert on my credit file, and have attached copies of these documents for your reference. 

The fraudulent inquiries in question include the following : 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 I appreciate your prompt attention to this matter and look forward to your assistance in rectifying this issue. The presence of these unauthorized inquiries on my credit report is causing me undue distress and is unjustly affecting my financial standing. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

VANCE & HUFFMAN LLC consistently calls after I ask for signature proof of me a agreeing for a debt with THECHECKCASHINGSTORE to be sold or signed off to VANCE & HUFFMAN which I did not do.
Product: Credit card

I used a Citibank check that comes in the mail to pay my taxes. Written on these checks clearly is there is a transaction fee for balance transfers. Not considering writing a check is a balance transfer I used the check. Surprising I was charged a fee for doing this. I contacted the customer service line and was told to write the President of Citibank if I was not happy with there reply. I did this and received a call from the executive office. I explained my problem and was told they would pull the offer and review. After 5 days I received a call from Citibank stating that this is the offer and there is nothing they can do. I explained I can not afford this fee and because I have been a loyal Citibank customer for 20 years I would like a courtesy of this being waived. Citibank would not show any loyalty to me and refused to help me. They even had the nerve to say they do not make money off of me. I said you have had my money in your bank for over 20 years and you have certainly made money on me. I feel these checks they keep sending are very misleading to there customers. I was so shocked that Citibank would not budge on showing any courtesy to a customer. I am filing this complaint to try and get some satisfaction from Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Dept of Ed/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 XXXXXXXX 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 states a consumer can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax is reporting inaccurate information on my report.
Product: Credit reporting

I recently disputed inquiries in my credit file which were not initiated by me. Equifax place these eroneous inquiries in my file instructing me to contact the creditor. If I did not contact the creditor to have them placed there why is the burden placed upon me to have them removed instead of the reporting agency, who caused this error to began with. Not only is it illegal to provide false information it is also making it harder to gain new accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Attn : Complaint Department XXXX XXXX XXXX, XXXX XXXX I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) Sincerely, XXXX
Product: Credit card or prepaid card

Hi, The financial institution related to XXXX XXXX XXXX store made a unauthorized pull of my credit report information without my consent. I didnt request a new credit line or products, based on the information obtained of my actual credit report information they made a adversely decision to reduce my previous credit line with the institution affecting my balance and increase my credit utilization from 60 % to almost 98 % affecting adversely my credit score. 

When I inquired the institution of the unauthorized access to my credit report and requesting to restore the previous credit line, they only provide me the option to request a credit limit increase and check again my credit report. 

I explained that I didnt request any new products or credit with the institution and didnt provide my consent to access my credit file. They told me its in terms and conditions, but I didnt agree with that or signed. I ask for the papers to review it, they cant provide me that until 30 days. 

I request a copy of the transcript and they told me at the end of the chat I will have it, but the entire conversation was deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Blessings, I've contacted each of the companies that appears on the list and they did not help me at all, which I informed them that I would be making a report for what is happening to me since I have nothing to do with this that seems to be fraud and I need you to please help me remove it since my credit dropped because of all these inquiries that do not belong to me. 
SYNCB/AMAZON XXXXXXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX Inquired on XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, after a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities. 

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
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Ive disputed with Experian, the deceptive collection account from XXXX XXXX XXXX alleging i owe debts in the amounts of {$670.00} and {$430.00} being reported on my Experian credit report. Ive requested Experian and the collection company to verify I owe such alleged debt, it has been well over 30 days for XXXX XXXX to investigate the disputed information and they have failed to verify the information. Per the law, 15 usc 1681i 5 ( A ) if the information can not be verified it MUST be deleted from my credit reeport immediately. it is Experian responsibility to maintain reasonable procedures and 100 % accuracy in the information their reporting. Per 15 usc 1681e ( b ) and they have failed in doing so. Experian, Is violating the FCRA and if they fail to delete this inaccurate information from my credit file, they must be held liable per 15 usc 1681n
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints about information on my credit report. As of XX/XX/2019, XXXX XXXX is sending me emails sating that a XXXX XXXX account isn't being paid, but I have checked the status and it is saying that it is current. 
I have said multiple times that the primary on that OLD account negotiated a new deal with a dealership in order to obtain a new vehicle. This was all done WITHOUT my knowledge or consent. 
I was told that it is none of my business as to what was negotiated yet I am still being harassed about this said XXXX account. 
My credit score dropped 61 points and according to the credit bureaus, there were no changes to status, which is why I am curious as to why it dropped 61 points out of nowhere. 
All of my accounts are paid and up to date. 
XXXX XXXX has been harassing me constantly, sending emails about raising my credit scores by opening personal loans through them. 
They have also included my home mortgage into my accrued debt which has nothing to do with my car payment or my credit cards and are constantly telling me that if I refinance it will help my scores. 
This is a scam, dropping my credit scores to scare me into opening new credit cards with their help and to obtain personal loans with their help. 
I have documentation showing that no changes were found but my score has dropped. 
This is now becoming harassment. 
I have done nothing but pay my bills on time. 
The credit bureaus are dropping scores for the XXXX of it to see who is XXXX  enough to open up a loan through them and through XXXX XXXX. 
How is any of this legal!!!!???? 
This is
Product: Mortgage

I have been trying to short sale my house for nearly two years now, the most recent has been submitting yet the documents all over again in XXXX of this year. Previously in XXXX of XXXX and beginning of XXXX I believe, first time was around XXXX of XXXX. I keep getting the runaround, I have a buyer his offer was accepted and we've ( my realtor and I ) have been trying to get this EHLP Loan/Lien paid by Carrington since they will not release it. I and my realtor have submitted everything they've asked for, and I get a letter stating my short sale was denied because I did not submit the documents needed, they don't list the document or documents just that I didn't provide it. I am sick of the back and forth and lack of communication from the short sale department. Now I'm getting phonecalls non-stop, between the hours of XXXX - XXXX by the way, I live on the West Coast the property is on the East Coast, that is still before XXXX, why is Carrington calling at these times? Unprofessional is just one of the adjectives to describe what dealing with Carrington has been like, I just want to get the short sale done and avoid foreclosure.
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1681 et seq. govern access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by credit report agencies. 
( XXXX XXXX XXXX ) shouldn't be on my credit report needs to be delete immediately I would like for transunion to take this old account off my credit report. it has been over seven years and its still on there.