23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a Citi Bank Visa Card. It has a large credit balance on it since XX/XX/21 and I have asked 3 times since then to have this money returned. I have spoken with two supervisors at XXXX and one supervisor at XXXX. I have been told that my request has been pended until XX/XX/21 and after review, it will take 3-5 business days to return my credit balance to my checking account. I find this to be unacceptable in as much as they were able to take funds from my checking account in just 2 days. Why will it take over 2 weeks to reverse the process? I have verified the dating of these activities and Citi 's own online system shows a credit balance as of XX/XX/21. I am most unhappy with the way this credit card company is handling this situation.
Product: Checking or savings account

On XXXX Sunday in 2024 I deposited {$1100.00} on my Bank of America account from my cash app account. The transfer was successful however, upon my attempt to withdraw my funds from the Bank of America, ATM, drive-through and inside the bank, I was refused. I tried the entire {$1100.00} {$400.00} and then {$300.00}. My account was restricted and I only received {$400.00} from the ATM.. I got a fraud alert on my phone that I answered and cleared, I tried the withdrawal again. it did not go through so I went back-and-forth between the drive-through and the inside bank and my app constantly viewing all my transactions confirming that all of my transactions were in fact authorized by me. Every single time- the app let me know, You can use your card with confidence. Try the transaction again. And again my withdrawal failed. 

I called the number on the receipts, provided to me by the ATM, keep in mind this is XXXX Sunday that XXXX trying to enjoy with my family, introducing our faith to my daughter, I was told that was the wrong department, and was transferred multiple times. 

In conclusion, I did not get the correct amount of funds that I requested from the ATM, the funds that I just deposited. 

My balance is reflected incorrectly. My balance is showing as if I was allowed the funds from the ATM, which I was not, so I wanted to go to a different ATM I couldnt. 


XXXX was ruined from my family and I because I decided to use Bank of America as my financial institution. My rent will now also be late because of Bank of America. 


I think it would be fair that Bank of America returned my funds as well as pay a fee for the inconveniences they caused, and the late fee that I will receive in addition to my rent, due to no fault of my own. My rent is late because of Bank of America 100 %. I deposited funds and try to withdraw them- a simple task and was met with an incredible disappointment. I have absolutely no confidence in this financial institution any longer. I hardly ever used this account now that my financial status is getting better and I tried to use this account. This is what I met with and it is ridiculous.
Product: Student loan

I have been repaying Navient for over 30 years. This loan started when I was under XXXX and I am XXXX now. It cost just under {$9000.00} to pay the balance, which Navient now claims is over {$9000.00}. I told them that I didn't want to be in debt for the rest of my life and although {$9000.00} plus was more than I could afford to repay as a lump sum I would appreciate their considering a smaller amount so that I could put this behind me. They emailed me instead with instructions to repay over {$9000.00} within 10 days, claiming that was as long as the offer was good for. I feel like the federal government shouldn't be in league with XXXX XXXX.
Product: Mortgage

Freedom Mortgage did an Escrow Analyst in the month of XX/XX/2020. Based on the computer generated analyst, it was determined my New Escrow was short {$2300.00}. This computer generated analyst was based on a " one time '' Local County Tax.I sent a letter to Freedom Mortgage indicating this " one time '' county supplemental tax should not be taken into consideration for future Escrow pay out.- My Home Owners Insurance went down and the Escrow Analysts should not have changed or even lowered. - Based on the New Escrow of an additional {$2300.00}, has now caused my Mortgage payment to go up {$200.00} per month, in which I can not afford to pay any additional money towards my Mortgage. I had a fixed rate I was comfortable with paying and now having an additional {$200.00} per month for a year, I can not afford to pay any additional amount. 

This mortgage will go into default due to the additional {$200.00}, per month, based on an incorrect Escrow Analyst. - I called Freedom Mortgage and they refuse to let me speak to an Escrow Specialist or Supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : XXXX
Product: Mortgage

I have been trying to reach out to lakeview XXXX regarding my escrow issue, they are requesting over XXXX to paid and if not theyll roll it over to my monthly mortgage payment. I have tried unsuccessfully to go over this with someone. I really dont know what else to do at this point. They said my escrow was short by {$1800.00} but they are asking an additional {$2400.00} on top of that. I can not speak to anyone about this! Thanks.
Product: Debt collection

This company violated my consumer rights and heavily impacted my credit score on XXXX, XXXX and XXXX by sending them to collections and on my credit accounts it states that it was opened on XX/XX/XXXX and two others on XX/XX/XXXX ; I have no knowledge of this and want this removed due to fraudulence. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " It states an entity, company, person and etc. are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts an entity, company, person and etc. post on a credit report. '' And due to Grnte Dir Ln also known as XXXX/XXXX XXXX XXXX not being able to verify the account numerous of times nor provide any type of proof I would like this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2019 a hard pull was made against my credit report. said credit report pull was not authorized by me! the recipients info reads : " factual data ''. 

please remove this hard pull from my report.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX I deposited {$2500.00} in XXXX bills of XXXX 's into an atm at a Chase bank. The atm malfunctioned and said that it ran into a snag. The only thing I received in return was a receipt stating the error. I called them the next day stating the problem and that my funds were not to be found. They fixed the problem and gave me my money, but on XX/XX/XXXX they ended up taking away {$2300.00} out of my account without notifying me. I called them the next day to figure out was going on and they reversed my money and claimed that I only deposited {$130.00} in single dollar bills. I spent the next two months talking back and forth with supervisors, branch, district, and executive managers. I tried my best coming to terms to resolve this issue but they supposedly did investigations and are certain that I deposited only {$130.00}. I've been banking with Chase for more then 6 years and I'm aware that there can only be a specific amount of bills that can be deposited into their atm 's. I would under no circumstances jeopardize myself and abuse these simple rules since I have bills to pay. They tell me they've reviewed footage of my deposit and found nothing. I trusted my bank to properly manage my funds and instead they steal my money and ruin my credit. This has been a very stressful time for me since I thought they could help me and own up to a mistake that happened on their behalf. All I received in return was an executive manager telling me on a phone call that took place on XX/XX/XXXX was what proof did I have that I deposited my money. They won't budge and clearly have no interest in returning me the money I earned.
Product: Credit card

I a writing once again because I was a victim of Identity Theft. I 've been trying to resolve this macys account that I did not open up for years. It 's obvious that someone used my social security number and all of my information and opened up this account. I had filed an identity theft form. Why is it taking years to resolve this. I MYSELF did not open up a macys account. Why is it that macys is same that the account was legitimate. When someone uses all of your information to open up an account it is still fraudulent. I MYSELF NEVER EVER EVER EVER OPENED UP A MACYS ACCOUNT. I should not have my credit penalized for this either. Macys have given me the run around for years. NOW THAT THE IDENTITY THEFT IS FILED I AM HOPING THAT THEY CAN SEE THAT I NEVER OPENED UP A MACYS ACCOUNT AND I WANT IT REMOVED!!!!!!!!!!
Product: Mortgage

I am writing this complaint to address the fact that I did a modification with my previous lender ( XXXX XXXX XXXX, XXXX ) 3 years ago who sold the loan to the current loan servicer ( West Coast Servicing ) ; when the modification was finalized the balance on the account was brought current. I have been working with West Coast Servicing and gave them proof that the loan was brought current from the modification and they are insisting that I owe them XXXX dollars. Please see supporting documentation that I have been making all payments for 3 years and the account is brought current. Included in the attached are the paid checks for Year XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX are available through West Coast Servicing because I submitted those statement directly to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX once again messed up the reporting of my card which is against the Fair Credit Reporting Act. They adjusted the credit history with the agencies and the agencies adjusted my score. After talking to XXXX ID XXXX we discussed the fact that he was going to make sure my payment history was reported accordingly. I told him my score finally went back up but I was unsure of XXXX as I had t heard from them. He talked to me on XX/XX/XXXX and he told me he would make sure it was reported with the correct code. As of XX/XX/XXXX, my score increased XXXX points. XXXX then filed a dispute and I got notified in my email. Today i received notification my Transunion score decreased XXXX because i had no payment history. Once again XXXX XXXX is trying to XXXX me over with their reporting as they told the bureaus the card was closed when it was never closed. I received a letter from XXXX XXXX stating it wasnt closed through the CFPB yet they again misreported it! This has caused me to lose a house loan due to their error and if its not recited this week, they will be getting sued! I have made on- time payments since XXXX. The card was open XX/XX/XXXX but not used until XX/XX/XXXX. Payments on time since then. I do have a case and if they do not start reporting it correctly and rectifying the error they made XXXX already, I will file a lawsuit against this company. XX/XX/XXXX it was correctly reported. By the XXXX XXXX again misreported it and the score dropped the exact amount of points! This is not ok to do to someone just because this company is incompetent. It has ruined my life on more than XXXX occasion in less than XXXX! I wont stand for it. They have incompetent staff.
Product: Checking or savings account

I deposited a check into my checking account that I received for doing work from a company, my bank sent it back stating that it was Alter/Fict and did not honor the check 3 day 's later I called the Bank in which it came out of and the clarified that it was from the bank their was a bank account but they couldn't give me information on another persons account but that it was a business. I asked chase fraud department if they were going to go after the company and since they froze not only my account but both mine and also my two children 's accounts also can they help get the funds for the check they said it was my problem to go after them I would have to do that, finally after a week of talking to people I at least got my two kids money out of their accounts but they did take {$6.00} from my one son 's account that was his and close it. and they closed my daughters upon her taking her money out. they put a overdraft fee on my account along with the amount of the check of {$1900.00} and they added a fee for {$12.00} to it now I get calls for collection of the account to pay it and a closed savings account in which is all fees for either {$5.00} transfer fee or a {$5.00} service fee on it nothing of which I owe. I also have called multiple times to the cooperate office for help to the XXXX XXXX XXXX for help with the check and to chase fraud and have gotten no where so I am coming to you since this started when I deposited the check on XX/XX/XXXX and it is now XX/XX/XXXX and I am still out my pay for the work and I have a checking account stating I owe money at chase frozen closed.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX co XX/XX/XXXX {$1500.00} XXXX bank XX/XX/XXXX {$1500.00} XXXX XXXX finance {$15000.00} XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

Ive recently check my credit report in because I decided to change my life and chase my dreams and noticed a few in accuracies on my profile. Please check every piece of information and make sure its accurate and accountable in accordance to the Fair Credit Act
Product: Credit reporting or other personal consumer reports

Hello, This letter is a formal complaint that all three credit bureaus are reporting inaccurate and incomplete credit information. I respectfully requested to be provided proof that these debts/credit were in fact authorized with an instrument bearing my signature, and for legitimate business purposes. Failing that, the unauthorized debt/credit must be deleted from the report as soon as possible. 
On XXXX XXXX XXXX I submitted a certified letter to all three credit reporting agencies due to discrepancies and inconsistency in the reports. The certification receipt confirmed all three did receive my letter requesting them to verify my disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

It has come to my attention that this company is reporting negatively on my credit report, calling me and sending mail to my house for a debt that was apart of identity theft. I have disputed this several times and sent over paperwork to prove this is not my debt but this company refuses to acknowledge it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 45 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Debt collection

Approx 3 mos ago ( End of XXXX ) ..I contacted a company who I thought still had my file XXXX credit report showed XXXX bal tried to get title..they informed me that debt had been sold altho I was never notified... was referred to another company & then was referred to a Law firm in XXXX... they NEVER sent me letter they had file ... When I contacted them I kept asking why I was never notified... all the representive said was " You can make an arrangement or I put the vehicle out for Repo now '' ... I felt I had no choice to make an arrangement but they never answer the phone when you call..Have been trying get ahold & only able to leave msgs for over a week..One representative finally called me back... But at XXXX ... And also I am in XXXX & They are in XXXX  XXXX... They claim they are a Law firm ... Weinstein & Riley
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I opened a Venmo account several years ago. I have never used it. I attempted to add an account 2 days ago and it would not let me. I then emailed me that I need to give them more I.D . information. I did not want to do that so I told them to close the account. They REFUSED to closed my account unless I sent a copy of my U.S. Passport and a separate picture of me holding that passport. I do not want them to have my passport data, included XXXX, XXXX XXXX, place of birth, XXXX 
They refused to close the account without this information
Product: Student loan

The loan provider took me out of deferment while I am still enrolled in school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Decided to make a big move to buy my first home. I knew I wanted to go into the first time homeowners program. Due to them being able to help you financially as I was sitting with my mentor he said my credit needed to be pulled. I knew I had good credit so I had no worries about that being the first step. Out of surprise a big list of accounts I have never ever seen or heard of in my life showed up. Those accounts do not belong to me. Please remove those things for my credit report. 

XXXX XXXX  XXXX XXXX {$4200.00} XXXX   XXXX {$6200.00}
Product: Debt collection

I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX  XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. 
I was sent a letter by XXXX XX/XX/XXXX that my personal information was hacked from their office. 
I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). 
XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I found some discrepancies on my credit report but negligence due to XXXX lack of seroiusness of the compant I have sent them multiple documents and still no response nothing I feel tired of XXXX XXXX please help me get a straight answer I reuested information from XXXX XXXX XXXXXXXX and XXXX they just push me over to the credit agencies and I get no where I have not spoken or I have not agreed in making payments of any kind because legally these account are fraud the XXXX  regulates all documents must be shown for acknowledgement of the debt this is not an attempt of not paying but ejercing my right to get all validation documents as this creditor never send me anything not even a collection notice they just starting calling me and harrasing me and I am tired
Product: Credit reporting, credit repair services, or other personal consumer reports

These derogatory remarks need to be removed from my credit report under the law US C 1681 and US C 1681s-2 XXXX XXXX XXXX {$810.00}. : XX/XX/XXXX XXXX XXXX XXXX. {$380.00}. XX/XX/XXXX XXXX. XXXX {$370.00} & {$62.00}. : XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I, XXXX XXXX XXXX, the undersigned consumer, am writing to formally address the recent denial of credit in connection with my business loan application submitted to Fundation LLC. Upon reviewing the situation, I believe that this denial constitutes an adverse action and appears to be in violation of several provisions of the Equal Credit Opportunity Act ( ECOA ), codified in 15 U.S.C. 1691 et seq., and related regulations and statutory provisions.

Specifically, I believe that Fundation LLC has violated the following legal provisions : 15 U.S.C. 1691c ( Equal Credit Opportunity Act Notification of Adverse Action ) 15 U.S.C. 1691 ( Discrimination Prohibited ) 15 U.S.C. 1681m ( Duties of Creditors Regarding Adverse Action ) 12 CFR 1002.9 ( Regulation B Adverse Action Notifications ) Reasons : *Applicants business industry is ineligible for a lender credit product * Lack of establishment earnings record or earnings insufficient for the amount of credit requested '' I assert that these reasons are insufficient, and based on the information provided, I believe this is discriminatory or fails to meet the legal standards for clarity and non-discrimination under the Equal Credit Opportunity Act.

Moreover, Fundation LLC use of my personal financial information, such as my Social Security number/credit card, without granting credit or providing any benefit, raises concerns of unauthorized use and fraudulent activity. This is a violation of 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ) of the Fair Credit Reporting Act ( FCRA ).