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

On XX/XX/2023, I booked and purchased XXXX round trip tickets from XXXX to XXXX via XXXX XXXX. Upon completing the transaction, I immediately realized that I'd made an error and laptop had auto filled my first name incorrectly. I immediately contacted XXXX XXXX to make a correction ( their website states that corrections are allowed ). The representative informed that she could not correct the simple error and informed that she'd cancelled the tickets and that I'd receive a refund within 10-15 days due to me contacting within 24 hours. I asked for a credit, another solution but rep cancelled everything. I then went to my Citibank app and disputed the charges equally {$4800.00}. 

I followed up within days to explain the situation to Citibank and they informed that I'd need to break down each individual charge and they credited the charges and assured me that they'd begin the investigation. Numerous times I contacted and submitted information that I was asked for, however, Citibank continued to take XXXX 's side and expect documentation from XXXX via me informing that they'd promised me a refund, however, I'd explain again and again that XXXX refused to put anything in writing and I could only send snapshots of the conversations via XXXX XXXX and submit the information that name changes were allowed via their website. 

After approximately, a month or so, Citibank informed that they had completed their investigation, sided with XXXX and reversed the charges. I've filed complaints, spoken with XXXX from their executive complaint department and continue to get the run around. 

Now XXXX has sent me a letter alleging ( as they have numerous times ) that Citibank was given the refund thus a credit and that I need to contact them. Furthermore, XXXX also sent me a notification that they will give me a refund or credit if Citibank gives me a written statement that the dispute is finished, that I've been charged, and am paying the amount. I once again forwarded this to Citibank, spoke to XXXX in the executive office who informed that she'd assist and send me a statement and yet again, I've received nothing. 

In speaking to others, they've shared in these instances that their money has been refunded or credited to them by the credit card until the dispute has been " thoroughly '' investigated. I feel that this was not done and the blame was put on me. There was never an explanation as to why my disputed charges were allowed to be paid to XXXX. Why after being a customer for over twenty years, has Citibank not absorbed some of the funds and demanded that XXXX credit me?
Product: Bank account or service

In XXXX of 2015, Discover Bank 's customer service person advised me by phone that, following 3 different months of writing more than XXXX checks/month on my money market checking account, I had reached the limit, and that a XXXX month would cause this account to be closed. This message was confirmed in a D. B. letter dated XXXX, which I received in early XXXX. I then wrote XXXX checks, including XXXX to the IRS for XXXX XXXX estimated tax payment due XXXX. 

However, on XXXX, I learned that this account had been closed XXXX when D.B. sent me a check for $ XXXX. The consequences of D.B. 's actions were : fees for returned checks from the closed account ( including XXXX for {$270.00} by the IRS ) ; stress caused by D.B. 's NOT advising me that the account was being closed on XXXX ; desperate attempts were required to provide funds for other checks, even though the money market account funds were sufficient ; even though I was told that a XXXX month of XXXX checks would trigger a closing, I lost control of my personal finances unnecessarily. 

The injustice of this is obvious to me, especially because I also have a regular checking account with D.B., into which D.B. could have transferred the $ $ before closing the money market account. This I could have arranged, if I had known before the closing that it would happen. The financial penalties ( exceeding {$300.00} ), plus the aggravation when several checks were returned for insufficient funds that were totally unnecessary should be borne by D.B. I have kept records of the transactions named above until this matter is resolved to my satisfaction.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX ( XXXX/XXXX/XXXX ), I initiated a SEPA withdrawal transfer from my wallet on Coinbase with the value of XXXX. I received an automated email saying that the money would arrive in my bank account by XXXX XXXX ( XXXX/XXXX/XXXX ). Today is XXXX XXXX ( XXXX/XXXX/XXXX ) and the money still has n't arrived in my account even though on Coinbase the transfer is said to be completed. I have sent multiple support tickets which have n't been responded to. The dates of the supports tickets which got automated responses are ; XXXX XXXX, XXXX and XXXX. I sent XXXX before those which did n't even get an automated response. For a company that deals with consumers money to not respond is outrageous. I have waited over a month for something that was said to take a few days and am still waiting.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am reaching put to you because I copied the letter that I sent to Experian regarding the accounts presented in the email. I need these accounts removed because either the information being provided is fraudulent or the account is reporting frivolous information. However, the credit bureau acts like it doesn't understand this. I am homeless right now and I have no transportation. I want to be in my car. I appreciate everything that you are doing for me. CFPB I need your assistance please. 

Good Morning Experian, I am reaching out to you because I have an issue with certain accounts still being present on my Equifax credit report. I do not know why these accounts are still being reported when they have not provided the necessary documents like a physical signed contract that shows that I agreed to do business with their company. Equifax also has not provided this information to me. I am exercising my ability to preserve my rights under the Uniform Commercial Code 11-1-308 and USC 1-308. The codes states UCC 1-308 is a Uniform Commercial Code ( UCC ) section that states that a party can perform or accept an agreement while reserving their rights. This means that the party will not give up their rights if they perform in a way that the other party demands.

My social security number belongs to the social security administration and anything purchased with this identifier number is an obligation of the United States 18 USC 8 means that anyone attempting to collect a debt from me is guilty of the false claims act ( FCA ), 31 U.S.C. 3729. The following accounts fall into this category : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basically, you need to understand that the above referenced creditors are not reporting the account information correctly. Once again the following acts are being violated the Fair Credit Reporting Act and the Consumer Law Act.

I am also referencing 15 USC 6802 and 15 USC 6801 for charge offs.

I am referencing 15 USC 1692g and 15 USC 1692 c ( c ) for collections.

I am referencing UCC $ 2-302 which is used to remove any negative items like collections, medical debt, student loans, charge offs, and late payments from your credit report whether you owe the debt or not, it can be removed.

I am asking that Experian not violate these rules or regulations as you have been found guilty by the Consumer Financial Protection Bureau of violating laws pertaining to the False claims act yourself. In other words, there should not be any derogatory accounts reporting on my credit report. 


Sincerely, XXXX XXXX
Product: Mortgage

Carrington Mortgage bought my loan about 3 mo ago from XXXX XXXX XXXX. It is a XXXX property. With escrow etc it comes out to XXXX monthly. I found out my insurance company had increased my policy by 3 times the amount in XX/XX/XXXX. This brought my escrow account to XXXX negative. I cancelled that policy effective XXXX XXXX. And started another policy that is 3 time less. With no warning or chance to pay the negative escrow Carrington just sends me a bill for my new payment of XXXX mo. On a XXXX property that only has XXXX yr taxes. They want and escrowed amount of XXXX mo. I have called them twice and now emailed them in reference to this. Their agents tell me it is an escrow cushion. They are asking for XXXX year escrow and my property taxes are XXXX and my insurance is XXXX yr. I told them I wish to pay the negative escrow not to raise the payment. Even with the old insurance amount, negative escrow, and taxes they are still asking for an additional XXXX in my escrow account. I sure can not afford to have my monthly payment increase by XXXX just like that!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Citi bank has been lowering my credit limit on my card. The most recent letter states it was because I dont have the score necessary to maintain the limit due to : negative public records, delinquency, not having credit open long enough etc and that they are using XXXX for my score and it is reporting a score of XXXX as of XX/XX/XXXX. This is not true I have no late papyments, negative public record or negative items in my report. I confirmed with XXXX online and over the phone. They are showing my score as XXXX and per the XXXX rep on the phone yesterday theyre is no way they are getting that low score for you from us there is nothing in your credit report to generate that low score. I have called Citi bank multiple times and they can not or will not give me an answer as to what is driving my score down on their systems or what the negative items the letter references are exactly. At one point an account manager XXXX got flustered with my questions and lied to me saying she was transferring me to the credit department but instead just sent me back to main customer service line. While in the phone at another point with a customer service representative XXXX he stated at one point there was an issue with the system feeding in wrong scores but that should have been fixed and was a while ago. 
I submitted the dispute of the score through Citi but got a letter on XX/XX/XXXX saying everything was accurate without any further details or supporting evidence or documentation. 
My feeling is that there must be some sort of system issue where scores are being mixed up or they are pulling in a similarly named persons score. They stated that the credit lowering process is automated by the system and no one is reviewing it and based on my calls its is sounding like nobody at Citi customer care knows how it works. There looks to be the possibility of it is a system issue to have a greater impact than just myself and the process of them regularly lowering the credit limits to within a few hundred dollars of the outstanding balance that has always been paid in time could lead others to go over their credit limits and negatively impact their accurate score by using more of the percentage of total credit available. It looks to be to be both unfair and deceptive as the score is wrong and they will not give me a complete and supported answer i to what is the cause of it, while trying to just get rid of me on the phones as opposed to giving real answers to find the truth. 

I do apologize for any typos and formatting errors in this write up as I am doing it on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY MORTGAGE WAS PAID IN FULL WITH NO LATE PAYMENTS ON XX/XX/2021 XXXX XXXX IS THE MORTGAGE COMPANY THE AMOUNT OF THE LOAN WAS XXXX
Product: Debt collection

The XXXX XXXX XXXX and I came to an agreement that this debt was not owed. They have adjusted my account to a XXXX balance and I was told they would contact Hunter Warfield to let them know to remove this debt from my credit report. I called Hunter Warfield on XX/XX/23 and they refused to do so and stated they havent received any information to remove the debt.
Product: Credit card or prepaid card

On XX/XX/XXXX someone opened a Venmo Visa card in my name and charged around {$600.00} to said card. I received a notification of a new card added to my Venmo account which was not done by me, so I contacted Venmo to report that this was not me. The next day my bank account was hit. They were not able to get money from my bank account because the bank caught it in time and notified me. The Venmo Visa Card however was opened with a credit limit of {$11000.00} and is now showing on my credit report.
Product: Debt collection

I am having a serious problem with the Carter-Young XXXX XXXX they are located in Georgia. 

I have sent the debt collection company 5 emails, 1 fax, and have also communicated with them via their website. I have provided proof that the debt is false on 6 occasions. I have also filed a complaint with the Better Business Bureau. 

The collection agency responds to my every communication with generic replies that proves to me that they arent reading what I send to them. For example, I have on 4 occasions provided a detailed explanation of what they need to do to rectify the problem. On 3 of the occasions I received a generic reply saying please advise how you would like to address this situation. On 1 occasion they said they didnt get the proof I sent even though the proof was attached to their reply! 

Because of this erroneous item on my credit report I was not able to be pre-qualified for a mortgage and lost out on the house we made an offer on. 

I have been communicating with Carter-Young for almost 3 weeks and the problem still isnt solved.
Product: Checking or savings account

As a personal customer Wells Fargo for 27 years, I have maintained a business checking account with the bank since 2014. I primarily use this account to receive payments for my small business that provides consulting services to small wineries in XXXX. Due to COVID-19, I have not had any revenue in the past three months coming into my account and therefore had a zero balance. While I understand that this is a legitimate reason to close an account, I received absolutely no notifications from the bank over the course of the past three months regarding the closure. I woke up to an email this morning informing me that my account has been closed without any prior notification. I find this to be very deceptive as the bank claims that they typically notify account holders at the 30, 60, and 90 day intervals before closing an account. The sudden closure of my account has now put me in a difficult position as I have restarted generating revenue and Im unable to transfer it to the US to use it to support myself.I would like to reiterate that my frustration stems from the fact that I was not notified in a timely manner about the potential closer my comfort rather on the day of the closing. After contacting Wells Fargo, they were unable to offer me a solution to resolve this matter and therefore I would like to file a complaint. As I receive an email from the US Postal Service showing images of the mail I receive on a daily basis, I would be happy to submit documentation proving that I did not receive any communications from the company.
Product: Money transfer, virtual currency, or money service

There was a fraud situation that I discover where I wire transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX contact me that they locate the bank account and waiting on AMEX to recall the wire transfer. Amex is claiming that they cant how are they supporting their customer if they are not willing to help where XXXX XXXX is did their job
Product: Mortgage

I closed on a mortgage with Ameris bank in XX/XX/2019. I have no access to my transactions online or via telephone. I received notice that Ameris did not pay my City of XXXX taxes for 2019. Also, I have not received a form XXXX for 2019 or any statement of my account. I have tried calling, but they can't find my information.
Product: Checking or savings account

I deposited XXXX $ in atm machine but after that atm machine took all my money and said error and then never give me back my XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX stated that XXXX XXXX verified the bankruptcy with the courts but per the letter I received from the courts that 's not true
Product: Credit reporting or other personal consumer reports

Dear XXXXXXXX XXXX XXXXXXXX XXXX I am writing to formally request the removal of account # XXXX from my credit report. This account has been settled, as evidenced by the filing of a 1099-C Cancellation of Debt form. Since the debt has been canceled and reported to the IRS, this account should no longer appear as an outstanding debt on my credit report.

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this account be updated and removed from all three credit reporting agencies ( XXXX, XXXX, and TransUnion ) immediately. 

Please confirm in writing once the necessary updates have been completed. 

Thank you for your prompt attention to this matter. 

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

The loan balances are not updating, is it being reported to the credit bureau monthly or quarterly? and how often should it update?
Product: Credit reporting or other personal consumer reports

Truist Bank/BB & T/Suntrust XXXX XXXX XXXX XXXX, NC XXXX Reports charge off from XXXX. This account was also paid in full. The letter is attached. it was not a charge-off as reported. It was on auto pay and paid on time It was not a charge-off as reported. It was on auto-pay and paid on time.
Product: Checking or savings account

Good afternoon, I logged onto my PNC Bank account on  X/X/2017    and realized that I was going to be overdrawn. I deposited enough money, plus extra, to cover the items that were causing my account to be overdrawn that were charged to my account well within the deposit cut-off time for that business day. This morning,   XXXX  , I noticed I had  4  overdraft fees. Upon calling the bank I learned that even though I had made the deposit on  X/X/2017   , they only make {$100.00} of that deposit available to me to use, they hold the rest for  1 bu siness day  ( no matter how big the deposit is ),  in this case the total deposit was for {$330.00}. I had not known that, the last time I spoke to a representative, they told me I just had to have my deposit in by  XXXX  that same day in order to avoid fees.  <P/> So even with that being the case of {$100.00} being available to me I only should have been charged for  2  overdraft fees. When I received my overdraft detail statement it shows that they deducted in order of time payments came into their system for my debit card purchases ( not smallest to largest ) and then for my remaining  4  auto-deduct items that all came from the same vendor at the exact same time they took largest to smallest causing me to get overdraft fees for all  4 ite ms  (  including a {$23.00} item and a {$36.00} item ) instead of just the  2 l argest fees.  <P/> This is a horrible business practice. I am the sole supporter for a family of  XXXX  working on a VERY tight budget. It is not right that I had made the deposit in time to cover negative items, but due to their hold policy and them posting by time and then largest to smallest I was charged {$140.00} in overdraft fees. They did not make this known to me at the time I opened my account. I feel as if these business practices are solely in place to cause consumers to incur more overdraft fees. Additionally, I learned that it is their practice to use pending debits to decide overdraft as well, not just posted items. So, if they can use pending debits to decide overdraft, why can they not use pending deposits? My account statement online shows that once every single transaction posted on  X/X/2017    I was positive, not overdrawn, but because they did not technically really " post '' my full deposit I was overdrawn in their " behind-the-scenes '' system.
Product: Credit card or prepaid card

This is a follow-up to Complaint XXXX. 

On XX/XX/2023 Wells Fargo climed that a check would be sent to me within XXXX days. It is now XX/XX/2023. WELL BEYOND the reasonable amount of time for them to send the check. The check has NOT been received. 

It seems that Wells Fargo is just making false promises in hope that a customer they have stole funds from will just go away. That will not happen. 

I will keep opening complaints with the CFPB, the XXXX the FTC, and the attorney generals office until this is resolved. I am not going to allow some large corporation try take advantage of a because they think they can. You're large corporation money doesn't scare me and I will continue to do this until it is resolved and the company returns the funds they have stole from me. 

I am not contacting another company via a phone number. That is not my responsibility. However, I will take the information that Wells Fargo provided and file all those appropriate claims and complaints with XXXX XXXX XXXX so we can ensure this is properly documented and everyone can be aware of these unethical business practices by these large corporations. 

I'll also start email people that work at the companies as I know XXXX give a ton of email address out there for me to contact. It doesn't seem the customer service want to resolve this issue so I just email individuals from the companies in hopes I can be put in touch with someone that does want to resolve the issue. 

Thanks for understanding. 

Regards
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXXXXXX  Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


5. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.