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

Since XXXX i have had my account locked for an review for a month now i been wringing them everyday since sending things like selfies with my dl and passports documents verifying deposits i have been almost evicted because of late fees because i have had an account Ive called for two weeks no one can help me and i have been writing since last week and no one has responding back to me reguarding my request i dont even want they account cause this has been the absolute worst bank to be with never have your back i remember i got scammed for XXXX taking out of my account and they basically told me after 90 days they cant help me. I just want my remaining funds sent to me in a check so i never have to deal with this bank again. Another option is open the account like i was promised and let me transfer everything out. Tired of crying and being stressed bout money thats suppose to be mine and kept safe by an fdic bank chime needs to handle the customers better
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 1 dollar to transunion, to check credit score a week later they charged me 27.99 as I went to call them they told me I signed up for a subscription witch theres no way I signed up for anything XXXX a 1 dollar credit report, as I called them to ask them to take the subscription off and I did not purchase it they told me they cant, and I have to keep it for a month, as I ask how come if they said it started after the free 7 day trial some substitution starts, I said to them well if it didnt start yet than take it off she still replied we cant, I ask for a supervisor and she hung up, I called back three times after they get my info they will leave you on hold for 15 20 mins than hang up, so I called back the next day and talk to a woman that said she take it off and I was all set than another charge came, I am now just so upset they can do this, so I called back 2 days later after another charge came and the lady again said theres no way they give refunds, I told her this is fraud she said have a nice day and hung up on me, so after reading up online I found thousands and thousands of people had the same issue, so from learning from them I went to the website and did it online and still was charged and noway to take it off besides the evedince of my calls, I also been getting tons of phone calls from XXXX XXXX and when I called them back to talk to a supervisor I have learned that transunion is there coparnts and you have to log onto there site and go to share personal information and take it off, I just cant belive this is a credit place and to do this this is unbelievable, I am contacting a attorney I dont car if its 30 bucks and 27.99 I'm taking this to court or am asking what I can do this is crazy how many people they been doing this to and customer service is a joke, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company DISCOVERBANK account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Recording Act, Upgrade ( a creditor and financial institution ) and XXXX XXXX XXXX XXXX has violated my rights. Under 15 U.S.C. 1681 section 602, states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section 2, also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 U.S.C. 1666b, 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: Debt collection

In XXXX, I had a car loan from XXXX with UAC. When the pandemic hit, they charged off my car without any prior notice. The only notice I received was the charge-off notification itself. I was not given any opportunity to discuss or make arrangements with them before this action was taken. Furthermore, in XXXX, my credit report shows that the account is still in collections. It indicates that the charge-off happened in both XXXX and XXXX of this year, which is inconsistent. I have filed multiple disputes to correct this error. After extensive research, as there was no contact information on my credit report, I reached out to them again in XXXX. They once again demanded payment without providing an explanation. They informed me that the only way to pay this debt was to go to the original dealership. However, when I contacted the XXXX I bought the car from, they stated they no longer have access to this record for this debt where they wanted me to pay. As a side note, I would like to indicate that at the time of taking out the loan my name was XXXX XXXX, I have since undergo a name change to XXXX XXXX in XXXX I did notify the company of this I have also notified through disputes on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

Submitted initial complaint on XX/XX/2024 because company never assited with any investigation into identity theft. Upon receiving a letter dated XX/XX/2024 requesting my identity information ( ID, Police Report ) company has stated they are still investigating. Per the 15 U.S. Code 1681i - Procedure in case of disputed accuracy the company not only received 30 days but the additional 15 to complete investigation. As of XX/XX/2024 there is no update and information should be removed from my credit report or Civil Suit will be filed.
Product: Checking or savings account

Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a deeply concerning matter regarding my recent experience as a new customer with Citibank. I opened a Citibank account online in XX/XX/2023, attracted by a {$1.00} Cash Bonus promotion for new account holders with {$75.00} of deposit. Unfortunately, my experience has been far from satisfactory, and I am turning to you for assistance in finding a resolution and fair compensation for the issues I've encountered. 

As per the terms of the promotion, I diligently followed the provided links and deposited {$75000.00} into my Citibank account. I ensured that these funds remained untouched for the required qualifying period, with the expectation of receiving the Cash Bonus as promised on XX/XX/XXXX. 

To my great disappointment, I have not received the promised Cash Bonus as of today. Despite my multiple attempts to resolve this issue through Citibank 's customer service channels, including chat and phone support, I was met with frustration. Citibank representatives informed me that there is no record of the promotion being linked to my account, which is perplexing given that I meticulously followed all the necessary steps during the online account setup process to qualify for the promotion. 

I kindly request that the CFPB investigate this matter on my behalf, recognizing the documented steps I took to participate in the Cash Bonus promotion and ensuring that I receive the Cash Bonus as originally promised. Additionally, I believe that fair compensation for the inconvenience, financial loss, and time spent trying to resolve this situation is warranted. 

I trust in the CFPB 's commitment to consumer protection and ask for your assistance in addressing this matter appropriately. I will cooperate fully and provide any necessary documentation to help resolve this issue promptly. 

Thank you for your attention to my concerns. 

Sincerely,
Product: Student loan

Payment made on XX/XX/2023 to EdFinancial and was paid to two of the loans but wanted the payment to be put towards a different loan. Called and requested that they change and representative said it would be XXXX days and called back on day XXXX ( XX/XX/2023 ) and that representative said XXXX business so to call back in a couple days. Called back in XXXX business days on XX/XX/XXXX and that representative said to could be up to 3 months. Needed this paid to get a mortgage and explained to him the situation. He then put the reallocation of money onto emergency status and said it typically takes XXXX business to go through. Have been calling about updates and all I get is they have the form but nobody has acted upon the request. They will not give me the form in writing or through email so I can show the mortgage company and will not give anymore updates on how long this will be taking. I have to wait on hold for upwards of XXXX min for them to take to me and do not get any answers or updates. Should have never happened or the first two times I called in they should have let me know that it would be longer so that I would know and be able to appropriately respond and figure out my mortgage information.
Product: Credit reporting or other personal consumer reports

The impact of the inquiry from your company on my credit report has been ongoing and harmful.
Product: Credit card or prepaid card

I used an atm located at a XXXX XXXX in Philadelphia on XX/XX/XXXX I use XXXX through XXXX they say they use XXXX XXXX an XXXX XXXX uses pay fare Atm is run by XXXX Atm malfunctioned the withdrawal was supposed to be for XXXX money never came out of machine and I was still charge XXXX I made a complaint against XXXX  with the XXXX XXXX XXXX an let bank know what happen so they can file a regulation E Atm company responded to me on XX/XX/XXXX an approved claim I let bank know but they never responded to me I email them Constantly no response I sent them screenshots showing the approval just frustrating because they say they say they dont take calls over the phone for this type of situation they only take emails Ive emailed them plenty of times and have never responded back to me XXXX said money shouldve been in my account 5-7 days they are very Unresponsive and very unprofessional
Product: Credit card or prepaid card

On XX/XX/XXXX I called in a payment of {$600.00} and gave my debit card information for my comenity credit card, the rep stated the payment went through I explained to the representative I keep my card locked for security reason and asked if the payment would be processed right then and there and the representative stated yes. However the put the payment through the next day when my debit card was disable. So I called back on the XXXX on site realized the payment wasnt processed and make a other payment on XX/XX/XXXX and the same thing happened again where the payment was processed on the XXXX from my debit card and the waited till the XXXX to put the payment through on their end while my card was disabled. On the XXXX after realizing they did not take the money off my debit card I went online and signed in to my XXXX credit card and had them debit my XXXXXXXX XXXX checking account where the payment was satisfactory. On XX/XX/XXXX Comenity. A man closed my a. Oh thank stating I was a high risk. I have never been late with a credit card payment with XXXX since having this account close to two years.
Product: Credit reporting, credit repair services, or other personal consumer reports

A company named " XXXX '' is the payment servicer for the US Department of Education. On XX/XX/XXXX, XXXX cashed my full {$7700.00} student loan payment. United States postal service sent me a copy of the signed delivery confirmation upon delivery to the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, MO XXXX. As of today, XXXX, the financial payment service for the United States Department of Education claims my student loan payment is " unable to be located. '' I have shared the original copy of the XXXX employee 's signature on the delivery confirmation and the XXXX employee 's signature on the payment receipt for cashing my {$7700.00} payment. It is shameful that XXXX is illegally reporting student loans as outdated collections on credit reports after cashing customers ' checks for nearly XXXX XXXX dollars. After cashing my student payment of {$7700.00} XXXX refuses to correct my credit file to report the status as " paid in full. ''
Product: Debt collection

am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : 1.ACCOUNT NAME : XXXX XXXX XXXX NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN An XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the estimated 143 million Americans who was affected by the Equifax hack that occurred XXXX 2017. I 've worked hard to be in a position where I am financially secure. I will have to live the rest of my life, fearful of my finances being undone with the data stolen from Equifax. 

- Equifax has shown they can not be trusted to not securely manage my personal and financial information. 
- Their lax approach to securing my data that I did not consent to their gathering has put my finances at risk. 
- Not only have they stored my data unencrypted within their unsecured network they failed to address these issues and continued to lie to the victims. For example, this tool which was generating random answers and not actually informing people if they had been hacked. https : //www.equifaxsecurity2017.comXXXX - There has been a reckless disregard for the security of the information they have gathered on consumers. Their inability to be transparent and truthful has made it impossible for consumers to secure their personal data. The very company consumers have to work with to remedy the crime can not be trusted.
Product: Money transfer, virtual currency, or money service

I created a XXXX account. I added 17 valid XXXX  packs to the account totaling {$790.00}. They have now blocked my account and will not release my money to me. Stating I need to show proof of purchase of the packs. Once they loaded to the account showing valid the receipts were not kept. None of the packs have been reported. They were loading from the devices that I verified, by a cryptic link sent to the email address associated with my account. 
I have a valid XXXX XXXX account that accepts XXXX  XXXX  cards. I am being told I cant have my cash. I have sent a copy of my drivers licenses a Picture of me with my drivers license and a picture of my valid XXXX card and I am being refused my money.
Product: Debt collection

XXXX on XX/XX/17 Harassing robo calls that when I answer they delay quite a bit before continuing but began by saying this is a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of on going and troubling ID THEFT. I have several fraud items reporting on my credit report. I have sent police reports as well as other supporting documents showing this to be true. Transunion has stopped responding to my request to remove these fraud items. The person responabile for this ID THEFT is a wanted fugitive and is begin actively sought by law enforcement.
Product: Student loan

myFedloan never notified my of the change in deferment, they never notified me vial mail or call regarding this which reflected missed payments on multiple loans on my credit report. I have made several attempts via phone and letters to fix this issue but I have not been able to get clarity and I am asking these derogatory marks be rescinded as they have failed to update my contact information, address and my accounts should have and still are in deferment My DOB is wrong in their system I have sent in numerous letters and called regarding this to get this amended, without avail.
Product: Credit reporting or other personal consumer reports

Lexus nexus since XX/XX/XXXX. I Did all that was required. XXXX XXXX from collection agency took fraud off and notified all 3 credit agencies and lexus nexus by XXXXOscar. 
Lexus nexus still wanted to contact XXXX and they say XXXX will not respond back and they just don't do anything I spent 3 hours on phone tonight with 4 different agents. It is well over 30 days so lexus nexus just sends 15 page letter stating they can't ID me even after i sent them all info and they have sent many letters with information about problem! but I have to call after every bi weekly letter because they make no sense. they just say, ignore its pending. or ignore we have you ID 'D So as of XX/XX/XXXX they say XXXX will not respond and my problem. I looked on my XXXX app and can see fraud was deleted from my credit report. Called XXXX over and over to tell them to respond to lexus nexus but can't get past automated line they hang up. at XXXXXXXX XXXX got through to XXXX  to tell them to contact lexus nexus about it being taken off report. at 2 minutes to 8 after going through verification process that took 10 minutes they said i need fraud dept and is now closed. I explained problem and she said she could not help me. no one will help.
Product: Money transfer, virtual currency, or money service

Wells Fargo VERIFIED a SCAM CHECK of XXXX on XX/XX/2022 when I clearly MULTIPLE TIMES asked them to check properly before deposit the check. They deposited and make the cash available. When bank returned back the check, I realized I was scammed and immediately reported to the bank. Unfortunately, I have already XXXX and Wire Transfer the money to the scammer thinking that was the money from the check who Wells Fargo VERIFIED. 

Now Wells Fargo don't want to take responsibility on their own mistake. After I realized I've been scammed, I asked multiple bankers to check the check without telling them that is a scam check. And THEY KNOW it is a scam check. Why in the beginning they verified and cashed it?????
Product: Debt collection

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX PORTFOLIO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX
Product: Other financial service

Had an agreement with CheckCare Systems in  XXXX   XXXX   GA. F or a $  XXXX  /month f ee they would guarantee payment of any NSF check writte n to my  business as long as I had the proper information recorded on the check and it was {$100.00} or less. We also had an agreement if they were able to collect on checks that did n't meet those criteria they would pay me for them if they were able to collect them.They were supposed to issue me monthly checks along with reports showing which checks they received from my business. My bank automatically sent all my returned checks to CheckCare Systems for collection. They stopped sending me the money they collected on my behalf so I told them to stop drafting my account the $  XXXX  /month  service fee until they paid me what they owed me. In  XXXX  of    2016 I  spoke to  XXXX   XXXX  who said he was  a manager th ere and told him to deduct the monthly service fees from what I was owed and send me the money they owed me. He said he would do that. Since out conversation in  XXXX  of    2016 I  receiv ed 1 p ayment from CheckCare Systems for {$70.00} I believe it was. They currently owe me over over {$1000.00} and refuse to pay me. I know they owe me {$600.00} for a check {$300.00} for another check and {$70.00} for another. These are checks I collected on at my business from the customers who wrote me NSF checks that CheckCare Systems later electronically swiped from their accounts. In each of those cases I reimbursed my customers the money they paid me because they were charged twice once by me and once by CheckCare Systems. For their collection efforts they change me $  XXXX  /month  and charge the customers a collection fee. I sent them a certified letter demanding all the money they owed me along with all the NSF checks they were holding for m y business that they were unable to collect on. I 've made many phone calls to without success and I hope you can hel p me settle this matter.
Product: Credit reporting

Account Type Date Opened Credit Limit Balance Reported ByXXXX/XXXX Credit Card XXXX XXXX, 2015 {$9000.00} {$0.00} EquifaxReview your credit report accounts for accuracy. 

This is fraud and identity theft as I never authorized this.