23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Discussed with LendingClub about communication. I called and explained to them that my company is now banning cell or smartphone during the hours except for break time. From now on, we have to use email communication regarding of loan payment issues. They did give me email address for communication on any aspect of issues. they gave me is XXXX I did email to follow up and they replied me to make a phone call to them repeating. I response to them that I can not making a call because of my time working and schedule which is unlikely will make phone call except for break time. Every time I call them during break time and it almost never reach them, mostly are on recording and too longer to reach them. Rarely made it through but my break time ran out. my break time is limit to 15 minutes. I wanted to use that break time to contact my family, friends, etc. They understood it. I sent them 4th time so far an no success.
Product: Credit card

A balance transfer was made from Citibank to American Express for a sum of XXXX. The money was sent to the wrong account. Citibank said the account number was off by a digit and they can not do anything since it was successfully sent. They provided a trace id number and a customer id number to give to the receiving bank. American Express said they can not work with the trace id number because they do not have access to citis account. They asked that citi provide a transmittal form with the account number they money was sent to. Citibank told me they are not able to provide that over the phone or through email but they will call American Express to help with the investigation by providing the form requested. A few weeks after, I received a generic email from Citi telling me my claim is closed and here is a trace id number. No call was made from citi to American Express. American Express also closed their claim. Im stuck with XXXX $ of money I never used plus the previous XXXX $ I was owing. Every effort to resolve this with both bank is proving abortive and no one is willing to provide the account where the money was sent. Or retrieve the money and credit it to the right account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/20 and XX/XX/20. This will be my 3rd attempt writing Transunion. They have failed to verify and delete these inaccurate accounts.
Product: Debt or credit management

I have a debt of XXXX $ from XXXX while I was still a minor. I turned XXXX XXXX. I just want to get this disputed.
Product: Debt collection

On XX/XX/XXXX, I filed a complaint about Transworld Systems Inc attempting to collect on XXXX balance account. Since XX/XX/XXXX, I have repeatedly requested an explanation of the debt. After filing a complaint with CFPB, I received validation of the debt. This company provided a zero statement. 

Here is the problem. Transworld Systems Inc provided CFPB a different letter than they presented to me. They deleted the fourth paragraph from the letter that was sent to CFPB. See attachment. The statement that was provided by Transworld Systems Inc has a XXXX   balance. But, the letter to CFPB states a balance. 

This collection was reported to my XXXX credit report in error, and XXXX has refused to delete the collection. 

Based on the provided statement from XXXXD XXXX XXXX XXXX XXXX XXXX, I have a XXXX balance. This account has been paid in full by the insurance carrier, contractual insurance allowance, and allowance provided by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX.
Product: Checking or savings account

On Saturday, XX/XX/2023 around XXXX MST, I attempted to withdraw funds from my checking account via local ATM at a gas station. All three attempts were denied as " ineligible account ''. Every single attempt was an attempt to withdraw from checking. After the first denial, I thought maybe I selected the wrong button and made sure I selected the correct one the 2nd and 3rd attempts. After being denied all 3 times, I went to a XXXX XXXX nearby. Again I was denied for the same reason. I called BofA Associate Banking and I was told I am selecting the wrong account. I have been a banker for over 30 years and a retiree from BofA. I know exactly what I was selecting and because I was not making a withdrawal at a BofA ATM, the foreign ATM 's will only allow you to withdraw from the Primary accounts, which are my checking and savings accounts. The reason for my complaint is the associate then told me that because I had at least 3 denied ATM withdrawals that my card was now locked untl XXXX EST. I asked if she could unblock the card and I was told " no, we can not unblock the card. It will happen automatically at midnight EST ''. I explained that I need access to my funds ASAP and she said I'm sorry there is nothing I can do. I am furious as a retiree and a customer over 40 years that I had no access to my money. I could not make purchases and I could not withdraw cash. This is a policy and practice that is absolutely unacceptable!!! As a consumer, I believe the CPFB needs to review this policy and hold Bank of America accountable for blocking me from reasonably accessing my funds. Thank you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This letter serves as my formal demand for the immediate correction or deletion of inaccurate and unverifiable information reported on my credit file. Despite previous disputes, you have failed to perform a proper investigation as required under the Fair Credit Reporting Act ( FCRA ). Your continued failure constitutes willful non-compliance, fraudulent misrepresentation, and a violation of my rights under federal law.

The following violations have been identified under both the FCRA and XXXX XXXX XXXX guidelines, requiring immediate attention :
Product: Checking or savings account

My business was a victim of end keeper fraud. The branch admitted it was fraud but the corporate Chase credit card processing branch still gave the funds back to the buyer. The fraudulent buyer who made a claim produced no tangible proof to chase or us except a one paragraph statement. The back never gave me a chance to prove we followed sale code as per the California state BAR. The buyer moved out of state after sale and made a fraudulent claim. XXXX never gave us a chance to view his complaint about merchandise or personally see if his claim was valid. The bank reversed the charges of {$6000.00} parts and labor and allowed the client to keep {$4000.00} of our merchandise. Chase bank and the credit card processing branch are the same company called Chase/XXXX. Chase lied and told us the clients bank made a case against me but turns out we both bank with chase.
Product: Credit reporting or other personal consumer reports

there are several hard increases on my credit report that I did not make
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX, Has violated my right. 
15 U.S.C 1681Section 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 instruction.
Product: Checking or savings account

On the evening of XXXX XXXX, XXXX between the hours of XXXX XXXX pm I accessed a Bank of America branch located at XXXX XXXX and XXXX in XXXX New York XXXX Prior to entering the branch I saw a man trying to access the three machines. I entered the branch and went to access the atm to the far left. He stated " That machine does n't work. '' Although I found his statement strange I used the atm to the far right. I withdrew {$20.00} from my account and proceeded to make a purchase at XXXX 's XXXX on XXXX XXXX. Several hours later at XXXX XXXX I received an email notification from Bank of America stating " your balance is below your chosen alert limit '' XXXX. Account : Personal Checking/Savings account-XXXX Date : XXXX XXXX, XXXX. '' There was a follow-up email at XXXX XXXX that stated " Debit/ATM card transaction occurred above your chosen limit amount Amount : {$400.00} Debit/ATM card : ending in -XXXX Where : at Bank of America-XXXX , NY Transaction type-ATM withdrawal When : on XXXX XXXX, XXXX. '' I immediately contacted BOA at XXXX XXXX to notify them that I did not withdraw {$400.00} from my account and began to file Claim Number XXXX. I informed them of all the above and they informed me they would investigate. I was also informed that during the investigation I did not have to worry and my account would be credited the {$400.00}. This morning I opened a letter stating that they determined that no error occurred in the instance. I followed up with a phone call and spoke with someone who identified herself as XXXX ( an account manager ) who informed me that the video footage shows the same person ( me ) who deducted the {$20.00} also withdrew the {$400.00}. This is inaccurate as I never withdrew {$400.00} from my account. During this process I was never informed that I should file a police report nor did I think I would be accused of withdrawing the money from my account. I do not believe they conducted a thorough investigation. I want to view the video footage and I want the {$400.00} returned to my account.
Product: Debt collection

This debt was charged to me by XXXX. It was covered 100 % by my XXXX  XXXX. I turned it into my Benefits Rep at XXXX. He found that the Doctor coded the procedure wrong. I then called XXXX and they gave me the proper code that it needed to be changed to. So, I called the XXXX Doctor and told him the problem. Nothing got done on there end. I repeated this back and forth with XXXX and XXXX for about 8 months. Finally after hours of phone calls, my Benefits Rep stepped in and made the calls. He was told that it was resolved and now years later it is not again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I have been a victim of identity theft for the last few years. I have been in a relationship with someone who has been abusing my credit for their own personal needs. I recently reviewed a copy of my credit reports from all XXXX bureaus to find several unfamiliar and unauthorized accounts and inquiries. To be specific this account from XXXX XXXX XXXX XXXX was allegedly opened XX/XX/2021 and is reporting an overdue balance of XXXX and which I have no knowledge of this account being established. I have tried several times to contact all XXXX bureaus regarding this inaccurate information on my credit report. In addition to that, I have submitted several disputes to each bureau regarding this as well.Neither company has tried to contact me or to update any of the reported information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX  – partial account number XXXX****.  (Please see page 4 of the attached credit report.)  I called the bank and let them know that I did not give permission to be added as an Authorized User.  XXXX has removed this from my credit report however, XXXX and Transunion have not.  I have contacted the bureaus to fix this issue however, I have not been successful.  This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Checking or savings account

I opened a Citi checking account on XX/XX/XXXX. The bonus term is to make a deposit of {$15000.00} for 3 months and I will get XXXX Citi Thank You points. I have contacted Citi customer service multiple times on XXXX, XXXX and XXXX and they have confirmed that I have fulfilled the terms for the bonus. They have confirmed that I should be getting my bonus at the latest on XX/XX/XXXX. But there is no bonus.
Product: Prepaid card

Purchased XXXX millions Giftcards to convert over to retail products they sell. The conversion site lets you log in but you cant convert the card. I have tried different cards multiple times ad no use. always the same error number. I called their support which said keep trying, use a different computer, different IP, etc. Its a ploy to keep your money and nothing else. didnt even care what the error code was. I have no vpn or other software to block anything. 


XXXX XXXX XXXX XXXX We are unable to process your order Thank you for placing your order. Unfortunately, we can not process your order ( Reference Number : XXXX ) for the following reason : We are unable to verify the order information you provided.
Product: Debt collection

Back in XX/XX/XXXX my wages was garnished for a credit card debt that I had no knowledge of. I did not know about the debt until my wages was garnished. At the time of garnishment my employer gave me the contact information for the debt collector. I disputed the debt XXXX XXXX, XXXX. The garnishment was dismissed. Now, on XXXX XXXX, XXXX a motion to continue writ was filed by another firm. I did not receive a letter from them, XXXX XXXX XXXX, XXXX. until XXXX XXXX. I again filed a motion to stop the garnishment and also filed an exemption due to me being the head of my household. The debt does not belong to me and in addition to that they failed to respond to my dispute as required by the FDCPA. The debt also seem to be time barred because the case is from XX/XX/XXXX and I can only imagine the date that the account was opened or the last time they receive a payment from the person who the account belong to. The is company is violation FDCPA for trying to collect on time barred debt and for not responding to my dispute within the required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.
Product: Student loan

On XX/XX/2019, I paid $XXXX on my student loan. This payment was made manually by phone because I changed my repayment due date. The representative of AES advised me to pay manually because my Direct Debit would not be applied. However, on XX/XX/2019, an unauthorized withdrawal of $XXXX was taken out of my checking account by Direct Debit. This wrongful transaction has caused undue financial hardship. I am disputing the period of time that I was told by representative on XXXX XXXX it would take (30) days to receive a refund. My account was wrongfully debited. My rights to disallow me my refund sooner is totally unjustified. Please investigate this matter in order for me to receive speedy resolution to this situation. I am in a dire financial crisis and need replacement of my funds as soon as possible.At first, I was going to resolve the problem by allowing the payment to be applied to the month of XXXX payment but recanted my decision to do it that way.
Product: Credit reporting, credit repair services, or other personal consumer reports

My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX BANK Inquired on XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

US bank has reported that on XXXX different instances the first is an account that was opened on XX/XX/XXXX that was charged off and closed by the grantor. The next instance on the credit reopt is the same account listed as opened on XX/XX/XXXX. There are XXXX different reporting agency on the report. The date report on on these account started XX/XX/XXXX. 

All of the of the information on the account is not accuarte and is fradulant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, Consumer, did not give XXXXXXXX XXXX XXXXXXXX my lawful written consent to disclose my nonpublic personal information to any nonaffiliated third parties. I am aware that XXXX XXXX XXXX, XXXX, XXXX, and Experian XXXX XXXX XXXX XXXX are nonaffiliated third parties. Furthermore, XXXXXXXX XXXX XXXX is providing inaccurate information to these nonaffiliated third parties. Neither XXXX XXXX XXXX, the consumer in which the report relates to, nor a court of competent jurisdiction issue an order for such information to be reported onto any consumer report of XXXX XXXX XXXX, Consumer.
Product: Debt collection

Agreed to a 12 month settlement agreement with American Express. The offer was to settle for {$1000.00}, spread out over 12 months, for payments of {$87.00} per month. The settlement was set up as automatic payments through my debit card. After my 10th payment, my debit card was scammed and I had to get a new debit card, with new card number from my bank. Immediately after receiving my new card, I called American Express and explained that I needed to change my card number on file, so that my last 2 payments could be charged without any issues, kickbacks or delays. I was told that the way it would be handled was the original settlement agreement would be closed, and a " new '' settlement agreement was set up with my new card number, for the last 2 payments. The final payment was made to my card in XX/XX/2021. It has been 2 months and there is still a balance of {$1200.00} showing up on my credit reports. I have tried to dispute this several times, and the dispute comes back as " verified as correct ''. I then tried to call American Express to ask what was going on and was told that I still have a balance because I did not make the payments on time per the settlement agreement. How did I not make the payments on time if they were automatically charged to my debit card by American Express? The response was that the last 2 payments were not made. I explained the situation with my debit card, and was still told that the year 's worth of payments that I made did not count towards my settlement agreement and therefore I still owe the remaining balance, and that's why it shows up on my credit report. When I click the email links to view the full terms of the settlement agreement, I get an error message that says " this page is not available '' so I can not even prove to them that they are violating my settlement agreement. I made all 12 payments, as agreed, and they are fraudulently breaching the settlement agreement and reporting an untrue balance. This needs to be updated immediately or I would like a refund of all payments made.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were discharged for bankruptcy in 2012. It shows up on our credit report and its been over 7 years. It needs to be removed after 7 yearsXXXX XXXX hasnt done it. Another credit bureau removed it why not XXXX It makes no sense. They want this to remain on the report for how long.
Product: Student loan

I was laid off from my job for the second time and decided to go back to school. As I went through they were lookin it my and my husbands income as well. I needed to get a full-time job, so when I went back to working full time they told me I had to start paying off this loan. I 'm XXXX XXXX less than half of my paycheck and is very burdensome. I struggle every month trying to pay that bill as well as my other responsibilities, i.e., my monthly bills. 
If I could get some of my {$66000.00} debt of student loans, and parents plus loans down, this would help me tremendously. I 'm trying to go back to school to earn an XXXX, but I will be XXXX or XXXX years old before I am able to even think about not having to pay any more educational loans.
Product: Checking or savings account

Robinhood has absolutely no way to get suppprt. I am unable to wire or transfer money out of the account in any capacity. I have high risk verified myself with my id and live face scan over 20 times and attempted every kind of transfer in every about but in the end they block the transaction for my security.

Their chat support feature never connects to an agent. I have tried over 20 times in 2 weeks and a live person never comes online.

There is no phone support, regardless of what number you call and even after entering your account information for a call back in the end it says they can not process the request and hangs up.

My money is being held hostage and there is absolutely nobody to talk to in order to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX5 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

15 usc 1681 section 602 : I have the right to privacy.

15 usc 1681 section 604a section : Consumer reporting agency can not furnish an account without my written instructions.

15 usc 1666 ( b ) : A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

In XX/XX/year>, my mortgage was transferred to Newrez. During the transition, my payment was not forwarded by the previous servicer, XXXX XXXX, to Newrez. Instead, the funds I submitted were returned to my account, resulting in Newrez not receiving the payment. Consequently, they incorrectly reported my account as being over 30 days delinquent. I have never missed a payment in over 20 years. Despite multiple attempts to resolve this with Newrez, they have remained unresponsive. Additionally, Newrez has repeatedly attempted to charge me late fees for supposedly receiving late payments, even though all of my checks were sent electronically and dated prior to the due dates. Documentation and statements available upon request.
Product: Mortgage

New Rez is holding on to my escrow money and has not paid my property taxes. The taxes are now overdue. I called the company several times to get them to pay my taxes and they told me to submit a copy of my past due property taxes to them. I did, but there has been no response. I've tried calling again and agan, but hold time is so long that I have left two messages to call me back ( since last Friday, XX/XX/20 ). They have not called me back.