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

I made a deposit of {$4000.00} to this account with a cashier 's check from my credit union XXXXXXXX XXXX on XX/XX/2024. I was advised when depositing the check that initial there was no hold to then be told after the check was deposited that there was a XXXX hold, and she would see if she could release the funds by Wednesday. I leave the bank and check my deposit slip and it states that there is a XXXX  day hold on the check due to my account being overdrawn multiple times. Wednesday comes and no call from teller as stated. So, I go into the branch and ask about the status of the deposit and to have some of the funds released as I planned to go out of town and had items that required payment in a couple of days. I was told that there is nothing that they can do. So, I then speak to the bank XXXX who advised me that due to fraud being on the rise that they can not my credit union, the bank can not release the funds, and she's unable to call corporate because I haven't been with them for XXXX  years ( but I've been with them for about a year and a half. I proceeded to show the stub of the cashier 's check which showed that the cashier 's check was valid and asked wasn't a cashier 's check supposed to go in as cash she advised no and that she would contact corporate to advise of the wording on the deposit slip only and then stated that the funds were not released from my credit union. I left the bank XXXX and informed her that I was filing a complaint as this is unacceptable and unfair. I reached out to my credit union and advised of the situation and was advised that they cleared the funds on XX/XX/XXXX at XXXX pm. I then proceeded to contact the bank via phone and spoke to a XXXX  XXXX who basically advised the same thing that I would have to wait for the hold to be released. This is unacceptable if my credit union cleared the funds then the funds should have been in my account on the XXXX not me wait until XX/XX/XXXX according to the receipt. But upon checking further and as advised by the XXXX XXXX XXXX online the release date to release the funds shows XX/XX/XXXX. There is always a problem with this bank and every complaint goes unanswered. I want my funds released immediately, an apology, and the closure of this account, and this company should shut down completely. I will also move forward with filing a complaint with the Attorney General office as I feel like my race played a part in why the XXXX at the branch did not attempt to assist me.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to have my personal information corrected on my credit report with both TransUnion and XXXX, but unfortunately, these attempts have been unsuccessful. Despite my efforts, the incorrect information has been repeatedly marked as " verified '' without any explanation or proof provided by either reporting agency. 

I have requested the removal of incorrect addresses and alleged employers from my report, but as of 41 days later, these inaccuracies remain, with no justification from either TransUnion or XXXX. Additionally, XXXX continues to display incorrect variations of my name, despite clear instructions to correct this. 

Enclosed are copies of the letters I previously sent, along with proof that both TransUnion and XXXX received these letters. Despite this, the false and unverifiable information continues to appear on my credit report. 

I kindly ask for immediate action to rectify these issues and provide a clear explanation of the " verification '' process used to confirm these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous letters to all 3 credit reporting agencies about reporting 2 repo 's on my credit report from XXXX XXXX and XXXX XXXX i did not give them any written consent to report these. As law 15 usc 1681a2 states.
Product: Debt collection

I am writing to formally dispute the failure to remove fraudulent accounts from my credit report, despite confirmation from the associated bank over the phone that the identity theft report was valid and the accounts would be promptly removed. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Numerous times my money has went missing from both my XXXX  and cash app. once you send money and it might be to the wrong person you will not receive it back. However with cash app it would authorize purchases i never agreed upon. taking money from my cash balance and from my actual account
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next XXXX  days. Enclosed are the pertinent documents for your thorough review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Debt collection

On XX/XX/2022 I received a collection letter from Frost-Arnett in an attempt to collect a debt for XXXX XXXX XXXX in the amount of {$100.00}. They provided reference number XXXX. Upon research with XXXX my insurance company, I agreed that I do owe the provider {$100.00}, but never received an invoice from XXXX XXXX, so I decided to pay. I entered the Frost-Arnett payment portal as a guest and authorized {$100.00} to be paid from my credit cared ending in XXXX. However, I received immediate notice that they in fact charged me {$110.00}. Upon research they state in the terms and conditions that they may change a convenience fee but stated they would tell you that amount before you submit. That did not happen and this is quite deceptive. I'd like the {$6.00} fee returned to me as I would have just mailed a check to avoid the fee had they disclosed that amount upfront.
Product: Debt collection

I was selling a property and a past judgement of a Credit Card Debt came up on my Title Commitment. I contacted the creditor Capital One and negotiated a settlement on XX/XX/XXXX. We closed on the sale of the property XX/XX/XXXX, and funds were released to the creditor. I was told that a satisfaction or lien release would be recorded 22 days after the payment cleared. Its been over 4 months and they have not recorded a release as of today XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

SST took over the loan from XXXX XXXX, they lied and said they were servicing the account however, XXXX XXXX states closed on my credit report and SST is now listed. SST then closed and reopened the account dropping my credit score by over 50 points.
Product: Payday loan

Illegal interest rates charged in Louisiana by XXXX/Call Call/XXXX. Also these companies may not be licensed consumer lenders in Louisiana. I have paid back over 3 times the amount I borrowed. This situation has caused a strain on my marriage. My interest rate was at or above 139 %. Louisiana interest rate cap on personal consumer or revolving loans is 12 %. I am using this complaint as a cease and desist letter. I borrowed {$5000.00}. and paid back {$16000.00} as on XX/XX/2015. Does that seem fair!! I know you are helping other states so please help Louisiana residents too.
Product: Credit reporting or other personal consumer reports

I have no supplied proof under the doctrine of the estoppel by silence, Engelhart v. Gravens, ( MO ) 281 SW 715,719, I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been desputing an account with XXXX XXXX through XXXX, TransUnion and XXXX. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Product: Mortgage

My mortgage is currently serviced by Bank of America ( B of A ). It is a loan backed by XXXX XXXX  and is currently delinquent. On many occasions, I have sought loss mitigation efforts with XXXX and contacted their loss mitigation department regarding the same. B of A has refused to process my loan modification and issue clear underwriting determinations. Per XXXX regulation 24 CFR 203.604,  contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to XXXX. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

After B of A started the loan modification process they transferred the debt to XXXX. XXXX has advised that B of A did not send over notification that the loan modification was in process. This action is a clear violation of CFPB law. Since XXXX is now proceeding with foreclosure action, I am seeking your assistance on this matter.
Product: Debt collection

I sent a debt validation letter and they replied that they could n't find any account with my name on it but they are reporting to   XXXX   that I owe a debt to them
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts need attention:XXXX XXXX XXXX Amount $XXXX   Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXXt  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.
Product: Bank account or service

For my non-qualified pension, in 2014 Wells Fargo took over administration. They insist on withholding Illinois income tax as if these pension payments were " supplementary wages '' and that therefore the standard exemptions are not allowed. In both law and practice, this is incorrect. In law, by all legal definitions these payments are not wages or supplementary wages. In practice, when I fill out my Illinois tax return, I am able to apply my exemptions against these payments since my qualified pension is not taxable. A letter from the XXXX addressed to me states " Wells Fargo is in error '' and that Wells Fargo should provide for exemptions when calculating withholding on these payments. Extensive correspondence with Wells Fargo has reached the stalemate as described above.
Product: Checking or savings account

I went to the ATM XX/XX/year> and I attempted to make a {$500.00} deposit. However the ATM started spitting back out the cash, specifically only {$120.00}. Then an error message appeared giving me the option to input the amount that was deposited, which was strange because i never seen this prompt before. And when i typed in the amount it declined it and kept my {$80.00}! I am in utter shock I need my money back asap.
Product: Money transfer, virtual currency, or money service

I made a payment from my XXXX account to my American Express credit card on XX/XX/XXXX for {$600.00}. Generally, XXXX offers the option to issue the payment as either a Wire Transfer or a Real Time Payment. For some reason, their mobile app automatically routes the transaction through the Real Time Payment network, so my payment was issued as an RTP, which according to XXXX, is settled immediately. On the American Express side, they claim that they can not locate the payment and asked for a document providing confirmation of the settled transaction, which they provided. Now, American Express says that the funds were returned to XXXX on XX/XX/XXXX, but XXXX can not locate the funds on their end, stating the following : " Please provide a tracking number or reference number for the return of the funds. We can not locate the funds without a reference number. Please note, the reference number listed in the letter from American Express is their internal case number, not a number related to the transaction. ''
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX Inquired on XX/XX/2023 XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : -
Product: Mortgage

XX/XX/2019, I was contacted by Freedom Mortgage, our current mortgage company. XXXX XXXX, loan officer, offered a refinance opportunity to drop our current rate by half a point, which would get us to 3.5 %. He let me know the benefits of refinancing with freedom mortgage and we agreed. 
My wife and I have signed several e-documents and we also submitted all requested documentation in a timely manner. 
In the middle of XX/XX/2019 I received a call from Freedom Mortgage collections asking us to pay for month of XX/XX/XXXX. I kindly let them know that we would be signing our new mortgage loan in that month. According to XXXX XXXX we would be have XXXX dollars when the signing was complete. 
Soon after I called XXXX, to find out what was taking so long. He let me know that we had to pay our sewage bill to our township. I immediately paid that bill, scanned and forwarded the receipt to XXXX. 
My wife also had a follow up call with XXXX and he let her know that all documentation was submitted and we were set to close. 
Unfortunately, XXXX XXXX, stated that we did not submit our proof of occupancy. I contacted my wife to verify and I found that she did submit all documents requested. 
We had a conference call with both XXXX XXXX and XXXX. XXXX stated he submitted all documents to XXXX, however XXXX stated that she never received them and failed to contact us so we could work the open issues. 
I have contacted both XXXX and XXXX supervisor and they have not contacted me yet. The billing cycle for XXXX will be over on the XX/XX/XXXX and will miss that payment. 

XXXX Manager XXXX XXXX XXXX XXXX Manager XXXX XXXX XXXX
Product: Checking or savings account

I was charge over draft fee when I didnt have overdraft protection ad when I had money deposit into my account thy hold my money in holding then charge me over draft fees then deleted my money that's in hold then they'll take my money and hit me with overdraft fee and then when I make. A purchase they will show funds available then after my purchase is completed the bank will take the funds for the purchase back put it in hold and charge me overdraft fee then they will take the payment for my purchase out of my funds way later on and forcing overdraft fee are they taking the payment for my purchase way later when I don't have the funds in my account forcing them to overdraft my account with the purchase payment I earlier on had the funds and made my purchase and getting confirmation the payment went through but after that the bank take my payment back with out my knowledge and then wait days later when my account is low on funds are no funds now they wan na charge my account for that purchase which I felt was odd because when I made the purchases and they take my payment right then and there and then why would they take my money back for my purchase after confirmation that it went through and i felt like wellsfargo bank was double charging mu account like right now i already told them if i dont have the funds for a purchase dont allow the purchase to go through because of the overdraft fee well thy authorize a {$300.00} payment to go through with out the funds in my account for them charge me a overdraft fee leaving my account overdrawn by {$300.00} right now after i told them i dont have overdraft protection so why they authorized these transactions but I cant make purchases when ever I want to if I have overdraft protection but they allowing payments to tske out my account when i dont have funds in my account and they cant answer why they allowing the payments to go through with out the funds been in mu account and they constantly do this to mu account
Product: Checking or savings account

**Subject : ** Dispute Request for Refund of {$680.00} I am writing to formally dispute a transaction and request a refund of {$680.00} for an item I purchased via XXXX XXXX XX/XX/year>. The item was shipped from XXXX, and I was informed by the seller that there would be delays due to the holidays. After waiting the recommended XXXX days, and maintaining consistent communication with the seller, the item still had not arrived. I contacted the seller again, who confirmed that the item had not been able to be located, and an investigation with customs had to be open. The seller agreed to issue a refund but was unable to do so directly due to XXXX 's XXXX refund policy via the web. Consequently, I was advised by XXXX to dispute the charge with my bank. I submitted all supporting documentation to Citizens Bank, including the sellers willingness to refund the amount. However, my refund request has been delayed and I have not yet received the funds. This situation mirrors a previous issue I had with Citizens Bank regarding an ATM deposit, where the bank initially denied my request despite evidence of an ATM malfunction. I believe the handling of these disputes has been unfair and reflects a concerning pattern of delayed refunds, which negatively impacts me as a customer. I request that Citizens Bank promptly issue my refund of {$680.00}. I have provided all necessary documentation and evidence to support my claim. I appreciate your prompt attention to this matter and hope it can be resolved quickly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my Transunion credit report is inaccurate. This is my second request to have incorrect addresses and names corrected on my report. This is a violation of my consumer protection rights.
Product: Debt collection

I was victim of Declared Natural Disaster : Hurricanes Irma, Maria and Puerto Rico Earthquakes and COVID19 Pandemic I was not elegible for some assistance and that reason I was unable to still making payment. I have medical condition and request the Federal Forgiveness for Declared Natural Disaster Victims or any medical forgiveness. I request closed and removed from my credit report the derogatory marks. Multiple times I dispute at XXXX XXXX was closed and removed but the other 2 still open with new collector. XXXX and XXXX still 3 derogatory remarks. Please help me to recover my credit as per elegible FRCA requirements
Product: Credit card or prepaid card

my card was lost/stolen, I immediately locked my card and notified discover. I also noticed there were some charges already made on the card. I have tried several times to dispute the charges all to no avail. They still have not provided me with any proof that they used to validate the purchases.
Product: Credit reporting or other personal consumer reports

Security breach my information been exposed twice and now bad lean holds have dropped my credit
Product: Payday loan

I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.
Product: Debt collection

I moved out of an apartment early along with my partner. There was a fee equal to 2 months rent, this final bill was sent Friday after XXXX XXXX. The following Tuesday the debt was paid in full, on XX/XX/2020. As Monday the XXXX was a federal holiday and the credit union that need to raise my limit was closed. 

On XX/XX/2020 I started to receive odd calls on my cell from XXXX one at XXXX XXXX, one at XXXX XXXX  and one at XXXX XXXX. Two additional calls were place at XXXX XXXX  on the XXXX. At approximately XXXX XXXX I received a call from " IQ Data International '' on my work phone which is not public from XXXX. The caller did not identify themselves and said they were calling in regards to an old debt from the XXXX XXXX XXXX. I stated the debt was paid in full but they could provide a debt verification letter if they wanted to place it was not. I stated it was my right to have them prove the debt and the caller stated it was not and that I clearly had debt since they were calling me at work. Caller refused to provide a debt verification letter. I confirmed the amount paid and said I would email confirmation when they hung up on me. I called the XXXX XXXX XXXX  within 5 minutes and they said they would resolve the issue. 

The apartment manager emailed these addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX And stated the account was paid in full and attached a statement. My partner was CCed on the email but I was not. 

My partner received numerous other spam calls from a XXXX area code which the debt collected ID as them. 

My XXXX  profile was also view by a " XXXX XXXX '' whom is listed as a senior rep at IQ data. 

No letter has been sent in the mail from them and I can show as such, as I have USPS informed delivery.