23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Chase is holding my money in escrow from an insurance claim check. I've had an inspection and they say I'm 50 % complete with the project. Additionally, I've submitted {$75000.00} in paid receipts. 

Chase has only released {$60000.00} of the total {$170000.00} in total insurance funds ... which is 33 %. 

I've tried numerous times to get help, but they refuse to release a reasonable amount of funds.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 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. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX Transunion XXXX XXXX Date Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

Chapter & Bankruptcy : Bankruptcy Reported on XXXX **Inquiries** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

I went in there on XX/XX/2015 and they gave me less than 7 days to pay off my loan. And they did not date my check for my correct pay date. I getting paid on the XX/XX/XXXX due to the Holiday. Lady was very rude and unwilling to call a manager.
Product: Debt collection

I sent the collection company three letters of validations regarding this, pursuant to 15 USC 1692G SEC. 809 ( B ) of the FDCPA. They have refused the certified letters the three times. I called over the phone and also requested a validation letter. They have not done so. 
They damaged my credit and the longer they don't respond, the longer my credit is being damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collections account that shows as derogatory on my credit that I discovered when applying for housing. The collections agency is " CONSUMER ADJUSTMENT CO '' for and they are reporting that it was was opened XX/XX/21 and reported on XX/XX/21. I never was billed from the original debt holder nor have I received anything from the Consumer Adjustment Co. It says it is a medical bill and I have had continuous health insurance for years. Sometimes I have had two separate insurance policies so it is highly suspect that I could have any medical bills outstanding. I have sent Consumer Adjustment Co a request to validate that the debt is in fact mine but there has been no response or any change in the reporting. I was clear that I was disputing the collection so this is clearly a violation of FCRA Section 623. The fact that the debt was never validated and yet they reported it is a violation of FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX. This seems like some unscrupulous practices to collect a medical bill that I do not believe I owe.
Product: Money transfer, virtual currency, or money service

I hereby ask you to protect American customers and consumers from this fraud-like Organization ( Moneygram ). It is an online money-transferring business. I have submitted the transaction on the XXXX of XXXX in the amount of XXXX XXXX It is quick and small help intended for my XXXX. Although the transaction supposedly takes XXXX days, I have proceeded with the transaction. 
But today is the XXXX of XXXX, and it has been XXXX days since I made the transaction. I have received an email on the XXXX saying that the transaction had been approved after XXXX days, and my mother came and tried to pick it up. However, the teller informed my mother that MoneyGram hadn't released the transaction. It is still pending at the Moneygram system. 
I have filed a complaint on the XXXX around XXXX am, I have never heard back a response. I've contacted Moneygram the following day, on the XXXX of XXXX, and customer service threatened to cancel my transaction without a service fee refund, or I have to wait XXXX more days to solve it. I have no problem canceling the entire transaction. However, I have no desire to pay a fee for these unprofessional scammers. 
I hope CFPB looks into it to protect individuals from the inadequate organization with false promises, terms & conditions, and irresponsible threatening behavior towards consumers & customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CITE XXXX XX/XX/2021 XXXX, NA XX/XX/2021
Product: Debt collection

For the past several days XXXX XXXX is listing property with my street address as scheduled for a foreclosure sale in XX/XX/2020 on its web-site at : XXXX XXXX XXXX I do not owe XXXX XXXX any money, it has not sent me any written communication regarding its attempts to collect an alleged debt from me, and no alleged creditor has contacted me regarding XXXX XXXX having any right to collect any alleged debt from me.
Product: Checking or savings account

I retired in XXXX of XXXX at the time I was a Suntrust Bank customer and that bank merged into Truist Bank so from XXXX until today I have been depositing my annuity check into my checking account. On Saturday XX/XX/XXXX I deposited my check through mobile up load and during the uploading process the phone stated that it didn't see my signature so I followed the prompts and took several pictures of the beck of the check because the face of the check was immediately accepted. I canceled the upload and started and this time, which was the second time it accepted my deposit. On Monday morning I looked into my account and a 7 day hold was placed on my check so I called the bank and was placed on hold for 3 hours so I decided to go to the bank. while enroute to the bank I called and left a voice mail to let XXXX XXXX know what was going on and by the time I arrived she had received information that my account was closed to deposits and my debit card had a warm hold placed on it and it will not work??? I advised her to look at my history with this bank, I have been depositing my annuity check in this bank for the last 24 years and nothing like this has never happened and please explain why? She advised me that all of my accounts are closed for the next seven days or until the investigation is completed??? I further advised her that I have to pay my bills and I'm going to pay late fees and I can't afford it ... the late fee for my truck note is {$74.00} and my credit cards are {$30.00} and I have 8 cards including my Truist card. To this date I have not been given a reason for this 7 day hold and I need to pay my bills???? I tried to call the administrative offices and I spoke to XXXX XXXX and she said that when I opened the account with Truist that I agreed to allowing them to place a 7 day hold on my check at anytime. I live from month to month on my pension check and this has created additional debt and no one can explain why and XXXX XXXX stated that Truist will not refund any of my late fees and I have to wait until XX/XX/XXXX before my retirement check is released!!! this is not right and I have not done nothing wrong! Please I need help! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was sent to XXXX on XX/XX/2018 regarding unverfiable information on my Transunion credit report. As of XX/XX/XXXX ( today ) I called XXXX and talked to " XXXX '' in XXXX 's Special Handling Department. She claims Lexis Nexis is sending them verification of my disputed item ( s ). I have proof of " suppression letter '' attached and " security freeze '' letter attached, I placed on my Lexis Nexis report in XX/XX/2018 XXXX suppression ) and XX/XX/2018 ( security freeze ), yet they are still claiming Lexis Nexis " verified '' their information. Lexis Nexis has assured me via phone and per suggested " suppression '' and " security freeze '' that information can not be accessed through their portals with XXXX once these items are in force which they are now and were at the time of supposed verification. XXXX claims they " verified '' and Lexis Nexis is still reporting according to XXXX. I would like Lexis Nexis to abide by their " suppression '' confirmation and " security freeze '' confirmation ( documents attached ) and protect my privacy by disallowing XXXX to continue to verify their information they are supplying erroneously and obstructing my rights under FCRA.
Product: Debt collection

I previously had Internet service with XXXX XXXX. Couldn't afford the service anymore. I was informed I owed {$240.00} for the devices used for the Internet service. Called them and instructed a sales rep come pick up their device. He did pick it up and informed me there was nothing owed once the device was returned. I received a call from an attorney who stated I owed the amount listed above. I informed her the device was returned. I look at my credit report and the amount they claim I owe has gone up to {$500.00}. I don't owe XXXX XXXX anything once their device was returned.
Product: Credit reporting or other personal consumer reports

DESPITE MY CONTINUOUS ATTEMPTS TO CHALLENGE THE INACCURATE INFORMATION SUPPLIED TO EQUIFAX. REGRETTABLY, THE MATTER PERSISTS UNADDRESSED AT THIS JUNCTURE. 

Details of the hard inquiry : XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a small business loan through Wells Fargo. When I was approved the banker stated that I was approved for a credit card as well. The banker stated that there was a promotion going on spend {$5000.00} in 3 months and get {$500.00} cash back and receive your cash back in 12 weeks. I fulfilled the offer within 3 months with over {$6000.00} spent. After not receiving my money as promised I made a call to the credit card department. The representative I spoke to stated to me that I would receive my money in 3 to 5 days. I did not receive it so I made another call the representative I spoke to said that the previous representative was misinformed and I would not receive my {$500.00} cash back from Wells Fargo for 45 to 60 days. I then made a call to the banker that opened this credit card for me and he made a call to the Wells Fargo credit card company and they stated to him that they would be paying me my {$500.00} cash back within 3 to 5 business days. Again, it did not happen. I then made another call to the banker and he stated he called the credit card company again and the person that he spoke to was misinformed and told him that I would not receive my money for at least 45 days. I need a call to corporate and made an official Complaint about this and never received a phone call back so I called back to corporate and they stated to me that I would not receive my money until XXXX of XXXX. I since then have contacted the local news and the Federal Reserve Department. My banker made a call to me and he stated to me that Wells Fargo said that he was not allowed to discuss this with me any further. Shortly after that conversation in executive from Wells Fargo contacted me and told me that they were working on it it was going to take some time. What time is there to take Wells Fargo offer and they did not fulfill their offer I am getting the runaround from Wells Fargo I'm thinking this is why they have a bad name in this banking business. Just trying to get my money and they are not fulfilling this offer that I have in clear writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation to Transunion about XXXX XXXX XXXX about an account to be removed from my credit report. Transunion agreed to have this account removed then added it back to my credit report claiming that the account was verified. Even if that was true, someone used my name and info to get an apartment in my name so I am asking Transunion once again to remove this account permanently from my report. I am asking that you correspond with TRANSUNION to resolve this matter because it has been well over 30 days, it has been months that XXXX hasnt responded to this investigation. I originally submitted a complaint dated back to XX/XX/2021 and this account wasn't addressed until the early part of this year. As you can see that XXXX complaint was filed awhile ago. Transunion is the only reporting agency that is reporting this erronious account on my credit report. The statute for the 30 day investigation is far beyond 30 days. Please remove immediately!
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I purchased from XXXX XXXX XXXX a XXXX washer, dryer-dishwasher and upright vacuum total price {$3200.00} not including finance charges on my loan. Having not missed any payments on this loan since I purchased these appliances I have had my washer repaired twice for the same reason and my dish washer has broken down twice within a year this last time was on XX/XX/XXXX I have spoken with the service people who always make me wait at least a week or more to have someone come out and repair my appliances always for the same reasons, I have asked that they replace these defected appliances. They tell me they will only repair them or to call the manufacture, I should not have to pay for defected products that are suppose to be new. Please help me
Product: Credit card or prepaid card

Got notified by credit that someone tried to increase purchasing amount on my cred card.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Privacy Act of 1974 The Privacy Act of 1974, as amended, 5 U.S.C. 552a, establishes a code of fair information practices that governs the collection, maintenance, use, and dissemination of information about individuals that is maintained in systems of records by federal agencies.

15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Checking or savings account

I want to file a complaint with USAA banking service and its money transfer service XXXX. I was a victim of a complex scam involving fraudulent checks and USAAs partner service XXXX and I believe USAA and XXXX did not do enough to protect my security. I was trying to find roommates for a house I wanted to live in, off campus from my University. I was in contact with an individual who " was out of the country on an internship '' but was interested in the house when she returned in time for summer classes. I was mailed a check to cover the security deposit on the house which ended up being larger than what we agreed upon ( XXXX instead of XXXX ). I was told to deposit the check and send the rest of the money back through XXXX. I deposited the check through the USAA mobile app and there were no errors and the funds were immediately made available as though the check was legitimate and the funds were sent to my account. USAA partners with and advocates the safety of using XXXX so I believed it was a safe service to use for me to send the remaining funds back with. I sent {$1000.00} total on XX/XX/XXXX XXXX EST and another {$1000.00} total on XX/XX/XXXX XXXX EST, so {$2000.00} was sent in total for my case. For the rest of the money, I was convinced to send it through XXXX XXXX. I placed the order with XXXX XXXX believing everything was still fine but my order was placed on hold and they contacted me explaining I was a potential victim of a scam. XXXX XXXX helped explain why they believed I was being scammed and gave me advice on what to do next ( contact police/bank ). I believed everything was fine until I checked my banks mobile app again and it had now said that the check has not been fully processed until XX/XX/XXXX. I called USAA on XX/XX/XXXX explaining what happened and was instructed to fill out a fraudulent report just explaining my story and that I would be updated in 3 business days. The check was canceled by the scammer two days later on XX/XX/XXXX and the bank called me telling me they would not help recover my funds because I was a victim of a scam and not fraud. Now that I realized I was a victim of a scam, I searched online and there are several cases of scammers exploiting USAAs security with fraudulent checks and its partner service XXXX. I believe USAA and XXXX failed to protect my security compared to other services like XXXX XXXX which ended up preventing me from being scammed further by holding my transaction until they could speak to me on the phone to obtain details on the transaction and warn me of scams. USAA and XXXX did not warn me or other users about how scammers are actively targeting and exploiting their clients through XXXX. In addition, USAA did not attempt to gather any sort of information and evidence from myself which may help in the capture of my scammer, the return of my funds, and the prevention of others who will be scammed in the future due to USAAs compliance with. Their lack of action with fraudlent checks and XXXX encourages scammers to continue expoliting clients who use their services.
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached ID Theft Report. FTC Report Number : XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft. 
ID and Social Security card and utility bill is attached as well
Product: Credit reporting

I have been trying to dispute this on my credit report. XXXX is reporting me as failure to pay. I have made over XXXX {$25.00} dollar payments. I have tried to upload a copy of XXXX check that represents over 65 such payments to XXXX. Yet, experian just goes by what XXXX is reporting. what about these 65 payments I have made and have proof of? Why is n't XXXX reporting that? i ca n't get anywhere with Experian and their dispute system and it 's negatively impacting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My initial identity theft report and was filed on XX/XX/2019. Report number XXXX. Trans union reported those items but, has yet to remove the inquires that came with those fraudulent accounts. XXXX has removed everything. XXXX has yet to address the matter. The only update was a generic response, that they were investigating the matter and needed more time. 

Now after I filed the initial complaint and the items were removed by transunion and XXXX. I have 3 new accounts that weren't showing on my credit report and wasn't included in the initial report, because of that fact. On XX/XX/2019 I had 3 accounts, that I have no knowledge of and they are as follows : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. I am at a lost for words, I have a Fraud Alert on my credit file and yet and still the bureaus are reporting these fraudulent accounts to my credit file. Without as much as a phone call or email to ask me, the consumer if in fact these are my accounts or a part of the identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX these companies completed Hard Inquiries on my account, has violated my rights. I did not authorize these inquiries and want them removed. 

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. 

XXXX XXXX XXXX- XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I paid off the full balance on my Capital One Quicksilver card, ending in XXXX. Three days later, on XX/XX/2023, they charged {$43.00} in interest to the prior balance that had been paid off. It is important to note that when I paid off the balance, there was no indication that interest would be charged after the fact, or any notice of what that interest was so that I could have chosen to pay off the interest at the same time. 

I had an identical issue with XXXX, and when I spoke with their representative, they removed the interest charges. Today, XX/XX/2023, i called and spoke with a rep at Capital One and explained what had happened. I was placed on hold and ultimately told there was nothing they could do. I advised that there should have been an option to pay off the balance plus any accrued interest at the time i had made the payment and that there was no indication that any additional payment would be needed. 

I have several cards with Capital One, all of which were paid off on the same date and this is the only card that had interest applied thereafter. 

I am simply asking that they remove the interest charge, applied to a {$0.00} balance, of {$43.00}, regardless of when that interest accrued. If the policy is that this interest be paid, then the system should offer the option of including any accrued interest when you pay off your balance. The screen clearly stated that I was paying off my full balance when I made my payment of {$1900.00} on XX/XX/2023, and that was clearly inaccurate information and misleading.
Product: Credit reporting or other personal consumer reports

XXXX notified XXXX XXXX to cease the sharing of nonpublic perusal information to third parties. In addition, to the impermissible purpose, their prvacy policy and contracts states " we may '' share your Data. I have directly expressed they " may not ''. 

XXXX XXXX is ignoring the opt out request that I have expressed in the XXXX XXXX XXXX. XXXX has a right to privacy
Product: Credit card

Logged into my Bank of America Credit Card account to make payment. Two payments had been made that month ; not late and one late payment in the cards history, over several years. Credit account with Bank of American for over a decade. 

Upon loggin into my account, I noticed it was closed the day prior. After contacting the service department, they stated that I had used excessive credit and assumed I was a risk, closing my account without notice with a balance outstanding. 

I just checked my credit score yesterday and realized that this had negatively effected my credit score by XXXX points, due to a balance being left over during closing. 

There was no notification for allowing me to transfer the balance to another credit company or at the very least, pay it off or reduction prior. 

If I 'm not mistaken, credit card companies, within the United States must give at least 45-days notice prior to closing credit accounts or changing terms.