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

On XX/XX/year>XXXX  I attempted to make a deposit of {$200.00} at a Wells Fargo ATM and it was cash of XXXX, {$100.00} bills. The first one deposited fine, but during the second one, the machine shut down and it didn't credit me the other {$100.00} and kept my card. I immediately called Wells Fargo and filed a claim, but they would not give me a credit if the {$100.00} because I had to speak to the Claims department for that, but they are not open on Sundays. We were traveling and this was a huge problem for us since we were counting on being able to use that money for the trip, but we borrowed money from someone and went on with our trip. I call them today, XX/XX/year> to see about getting the credit because it had not posted to my account. I spoke to the Claims department, then the Escalation Department, and then the Executive level of Escalation, and NO ONE WOULD GIVE THE CREDIT BACK TO MY ACCOUNT, because of their investigation. This all, took me hours of my valuable time and today, it took my MENTAL HEALTH! I ended up having the most XXXX  XXXX XXXX I have ever had and could NOT go to work, and still GOT XXXX HELP with giving me a credit for MY MONEY THAT GOT TAKEN IN THEIR ATM MACHINE! WELLS FARGO ONLY CARES ABOUT THEIR BANK AND NOT THE PEOPLE WHO BANK WITH THEM! I have been with the bank for years and have my Business Accounts with them also... But, I will be closing all of those accounts as soon as possible and will NEVER use them again! BEWARE!!
Product: Mortgage

I had a reduction in income I had to file bankruptcy to maintain ownership of my home. I dismissed my bankruptcy and I 've submitted several request for modifications and  XXXX    XXXX   has given me the run around stating they have n't received the documents I 've faxed even though I had faxed the requested documents several times.  XXXX   XXXX  has had my financials and modification request several weeks and now I have a property foreclosure sale date for  XXXX   XXXX ,  XXXX . Also The  Property  Foreclosure sale noticed is dated  XXXX   XXXX . The Tennessee law states the homeowner has to be given  a 30 n otice prior to the property foreclosure sale.  XXXX   XXXX   XXXX  mailed the notice of foreclosure on  XXXX   XXXX ,  XXXX  I did n't receive the notice until  XXXX   XXXX . I did n't get the notice 30 days prior to the sale date as required by the state of Tennessee. I want to keep my house please, please, please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER FINANCIAL SERVICE is reporting a fraudulent account on my credit report., see attachment. I disputed this account multiple times with the credit bureaus and with DISCOVER FINANCIAL SERVICE but the credit card company still reporting this fraudulent account. I asked XXXX to verify this account for me and they havent verify it either.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC IDENTITY THEFT REPORT Attached Experian is not repsonding to my letters! I sent them Letters in XXXX and they refuse to respond! 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

3 Fraudulent ACCOUNTS XXXX XXXX XXXX ( Orginal Creditor : XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Orginal Creditor : XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Proof of identity I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX Credit Report, XXXX Credit Report and My Transunion credit reports My XXXX Credit Card and My XXXX XXXX XXXX Card accounts are not showing as reporting on my reports. Thus causing my XXXX XXXX to be lower than they should actually be. Hendering me from obtaining credit.
Product: Credit card

I closed my BestBuy account earlier that had a Visa credit card issues by Citibank. I closed the account by paying full amount due earlier this month with XXXX remaining balance. Despite that, I was charged {$290.00} on XX/XX/XXXX on the debit card I had on file, set for auto pay. I called the bank to dispute the charge and they opened a case on XX/XX/XXXX but since then I haven't heard anything back and my {$290.00} are stuck in this process. I need the money back to stay on track with my bills and Citibank shouldn't have charged me in the first place as I had already cleared all my dues. 

DISPUTE DETAILS Case ID : XXXX Dispute Type : Duplicate Payment Dispute Amount : $ XXXX Date Submitted : XXXX
Product: Debt collection

I have a collection of {$640.00} that is a duplicate on my credit report across XXXX and XXXX with two seperate collection agencies and I would like to have the duplicate deleted so I know which one to pay. The collection agencies First Collection Service on XXXX and XXXX  with XXXX are both claiming the debt owed to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX Account Number  : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX PA Account Number : XXXX This is not mine.
Product: Student loan

I made several calls to Navient in regards to lowering my payments based on my income. I was instructed over the phone to go on line and see what plan I qualified for. In the meantime Navient would put my loans in forbearance for a minimum of 60 days, but before the time was up, Navient would send me messages stating that my loan amount had increased as well as the interest. The amount went from {$400.00} plus dollars, to {$800.00} and then {$1200.00}. After reviewing the loan plans, I was only eligible for XXXX, and that 's because they do n't give Parent Loans any justice. Also, every time I applied for this one income based payment plan, the re-payment amount rose to more than what I was able to pay. I was always told that they could n't get it any lower. There have been numerous occasions to where I needed clarification on there polices and payment plans, but the representatives were n't capable of helping me, and I do n't think they knew how to explain any of the plans properly. The website is very confusing and non-user friendly. I filed a form, and sent it in, and received in the mail a letter stating that I did n't qualify so they put me on another repayment plan that resulted in higher payments.
Product: Money transfer, virtual currency, or money service

Gemini Trust Company , LLC ( XXXX ID : XXXX ) froze my account on Wednesday XXXX XX/XX/2022. They asked me to upload a selfie holding my ID and a written statement, which I did the same day. 
After numerous reminders, they informed me on Thursday XXXX XX/XX/2022 that they had determined to close my account. They refuse to indicate any reason and said their risk process is confidential. 
Moreover, they indicate that I am not allowed to withdraw my crypto currency, but can only exchange it for USD or another fiat currency ( for which, by the way, they charge high transaction fees ). 
I indicated that this is insulting, as it is the first time in my life that I was designated as a risk, and I not even told why. And I indicated they are not acting as socially responsible company that is treating its customers fairly. I asked for an explanation and a fairer treatment. They continue to refuse this.
Product: Credit reporting or other personal consumer reports

I am submitting a follow-up complaint regarding an incident of identity theft. I wish to inform you that I have previously visited the FEDERAL TRADE COMMISSION website ( https : //www.ftc.gov ) and filed an identity theft report, with the FTC report XXXX XXXX. Pursuant to FCRA XXXX XXXX, XXXX XXXX XXXX are mandated to expunge any entries identified in an identity theft report. Attached are documents intended to facilitate the removal of erroneous information and fraudulent accounts that have appeared on my credit reports. Below is a list of unauthorized accounts : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXA. ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX Balance : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, NV XXXX XXXX XXXX A ( Original creditor : XXXX  XXXX XXXX A ) XXXX-XXXXXXXXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX XXXX : {$31000.00} -- -- -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX NV XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX A ) XXXX Balance : {$2400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXX  XXXX Balance : {$25000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$31000.00}. In accordance with FCRA Section XXXX ( a ), XXXX XXXX XXXX are obligated to remove any items flagged by the consumer as stemming from suspected identity theft within four business days of receipt.
Product: Credit reporting or other personal consumer reports

There is an account being furnished to my credit report that should have been removed in XXXX of 2023. Please see the attached response letter from XXXX XXXX XXXX and remove the following account from my credit report : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : $ XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1700.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$740.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting my XXXXXXXX XXXX XXXX balances as XXXX higher periodically every month. This is either because XXXXXXXX XXXX XXXX XXXX XXXX is reporting the loans incorrectly, or because XXXX XXXX is reporting the loans incorrectly, or both. As a result, every month my credit score creeps downward by a little bit, like XXXX XXXX 

On XX/XX/2024, XXXX XXXX reports incorrectly show that my XXXX XXXX. loans went up by {$2.00}, {$4.00}, {$5.00}, {$6.00}, and {$7.00} ( I have XXXX loans ). However, I am on the SAVE repayment program, I made my minimum payment due, and the balances did not go up according to statements from XXXXXXXX XXXX  website. This caused my Equifax and XXXX scores to go down by XXXX XXXX XXXX XXXX 

Similarly, in XXXX, XXXX XXXX reports incorrectly show that the loans went up by {$7.00}, {$24.00}, {$84.00}, {$95.00}, and {$100.00}. I made minimum payments then, and the balances did not go up according to XXXX. This caused my Equifax and XXXX scores to go down by another XXXX XXXX XXXX XXXX 

What's more, XXXX XXXX website does not have a way for these complaints to be made. 

I've attached some corroborating documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have Accounts passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This morning I just submitted my 3rd or 4th dispute with transunion against a XXXX account that all of a sudden just start showing as open on my credit report. This account is closed/charged off. I have let all 3 reporting agencies know this and transunion is the only one to continue reporting this false information on my report. On the report it says that the company derogatory mark is charged off/closed. But transunion is reporting it as open and reporting false payment history, lowering my credit score. This issue needs to be resolved immediately.
Product: Checking or savings account

I had an account with citibank i mobile deposited a check that i get for my daughter XXXX ( Ssi check ) they closed my account since my daughter wasnt on my account they said there was fraudulent activity so they kept the funds and dont want to release it and not only that i live in arizona so there isn't a branch here in XXXX so they said the only option i have is to travel 6hours i dont have transportation first of all i have all supporting documents that i am my daughters representative payee and the social security award letter and the check is also under my name its been passed 2 months and they dont want to help me and i dont know what else to do. Also i dont have my account number because they would send my statements to my online banking which i can't access since they closed my account and they didnt want to provide it to me or mail me a statement aswell
Product: Credit reporting 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 15 USC 1681. 

Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account XXXX Account Name : XXXXXXXX XXXX : Account XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 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. 1681s-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: Debt collection

BBVA USA now PNC is trying to collect a debt that I dont owe. Its been more than two years since I closed my account with them and after that they probably keep charging and charging into that account to then send me a collection debt. How if I closed more than two years ago this account, they unscrupulously keep sending me their marketing ( I called to stop them from sending me as well their marketing, they are not in compliance with that ), and keep charging me money that I dont owe. 

I called today XX/XX/2021, I did two different phone calls. The first phone call hang up because I requested to speak with a XXXX  customer service not a translator. My second phone call deny me the service because I requested the phone call to not be recorder, I know my rights and I can deny that, also he refused to include any names. 

Also, I dont even have on the documents the amount they says I owe to them. 

I want this company to stop harassing me with their marketing and tactics to collect money that I dont owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found an error on my Experian credit report for a closed XXXX XXXX XXXX Account # XXXX. The delinquent date in XX/XX/XXXX is inaccurate, it states that the account was 90 days in XX/XX/XXXX after it was 150 days late in XX/XX/XXXX. I disputed this inaccurate account with Experian via USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account on XX/XX/XXXX but the inaccuracy was not fixed. I disputed again with Experian via another USPS Certified Mail delivered on XX/XX/XXXX, Experian answered the dispute and updated the account XX/XX/XXXX but the inaccuracy was still not fixed. 

As a consumer I am entitled to an " actual '' investigation into my disputes, however, there's no independent investigation was done in regard to the inaccurately reported account that impacts my credit. It is irresponsible for Experian to cheat consumers with such blatant FCRA violation. Please respect the credit reporting guidelines and remove the disputed account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in several letters to XXXX, equifax, XXXX and collection accounts. On these dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent letters regarding inaccurate, unknown and not the same information reporting across the credit bureaus on my credit report and there has been no changes. Bankruptcy docket, the courthouse states that they do not furnish, provide, report, or verify bankruptcies with the Credit reporting agencies, vendors and third-parties. This information is public records. So it needs to be removed immediately. That Makes this willful negligence on their behalf and a violation of the FCRA. As a result it is affecting my credit score and causing damage to my reputation. They keep sending from one person to another. I have been dealing with this for over a year now and about this bankruptcy account I demand that this account be promptly deleted. Also I am writing this letter myself so please don't say that this is from a third party to stall the process of removal from my accounts.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as requested. I do not have a contract with XXXX XXXX XXXX. They did not provide me with the original contract as I requested. I do not have a contract with XXXX XXXX XXXXXXXX. They did provide me with the original contract as I requested. I do not have a contract with NCA.The did not provide me with the original contract as I requested.
Product: Credit card or prepaid card

I asked for my southwest airlines cc to be closed. Upon making my request, I was told recurring charges could still be made on my closed account!!! How is that possible?!! When I asked additional questions regarding charges on a closed cc I was transferred to southwest airlines!! Chase card services are horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is XXXX. So Im submitting it again hopefully for the last time. XXXX and XXXX have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below waswere opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Credit card or prepaid card

XX/XX/2018 : Online order that I attempted to pay using my Citigroup credit card was halted and flagged with a fraud alert. This is unusual in my experience. I do appreciate their attention to the growing complexity of fraud. However, the purchases had to do with firearms and combined with Citigroups recent actions that discriminate against customers based on lawful firearm-related business activities leads me to be deeply concerned they are blatantly violating consumer rights and engaging in unfair practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX 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 or about XXXX/XXXX/2017, Chase bank unexpectedly closed my checking account after being a good standing customer of theirs for nearly 15 years. For over a month they have been holding my funds of {$6800.00} in my checking account and not releasing it to me. These funds include deposits I made in my account as well as my salary from my employer. 

There is no kind of levy, seizure, garnishment, etc. on my account and the only explanation they 've provided me so far is that they are looking into it. I initially spoke with a XXXX XXXX at XXXX and he did not provide me an explanation as to why my funds have not been released back to me. It has been over a month that they are holding my funds and I have not been able to pay my rent or any of my bills. I find it utterly appalling that this could even be legal or allowed for a national bank to do. I am hoping I have not be defrauded as I have read several similar complaints online against Chase bank. Any help you would be able to provide me regarding this matter would be greatly appreciated. 

Regards, XXXX XXXX XXXX