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

I hope this message finds you well. I am writing to formally express my dissatisfaction with the recent action taken on my account regarding a deposit made at the XXXX XXXX branch of Bank of America in XXXX, TN. 

I recently experienced a change in employment, having lost my previous job, but I have now secured a much better-paying position. However, this recent deposit has caused considerable inconvenience due to an unexpected hold being placed on the funds. 

On XX/XX/XXXX, at approximately XXXX XXXX, I deposited a check for {$3600.00} via mobile deposit at the location above. The receipt provided indicated that a hold was placed on the deposit, with the reason stated as : " We've placed a hold on your deposit because we have information indicating the check ( s ) may be returned. '' According to the receipt, I was told that the funds would not be available until XX/XX/XXXX, at XXXX XXXX. This hold has caused significant frustration and disruption, as these funds are crucial for me to cover immediate living expenses following my job transition. 

Due to the holidays, the bank was closed and I was not able to go inside and get the check. 

After numerous calls to Bank of America on XX/XX/XXXX, from XXXX XXXX  to XXXX XXXX, I was informed that the account would be closed, but no reason was given. I could not go into a branch and have a cashier 's check because the account was in the " active '' closing stages. The bank will be releasing the funds on directly to me, on XX/XX/XXXX or the check could be sent back to my employer. I was also told that I should call back tomorrow, Friday, XX/XX/XXXX, and ask for a hardship extension. 

I called today, XX/XX/XXXX and escalated the call to a supervisor, XXXX XXXX ( sp ), and was informed that nothing could be done because the account is actively closing and that the funds will be released on XX/XX/XXXX. I was not told that. At this point, I am getting the run-around and it is not fair. If our relationship is over, give me my things and we both can move on
Product: Credit card or prepaid card

In reference to prior complaint # XXXX-XXXX  Citibank refund me {$100.00} for insurance company XXXX XXXX XXXX. 
Yet, the insurance company never refund me for the amoun of my wedding ring lost at the airport or at leas half of the value. 
Citibank never refund me the {$200.00} offer in their page to open a new credit card or use your card now and you will get the refund on the next stament.
Product: Debt collection

Barclays Bank is reporting an erroneous account on my credit reports with XXXX, XXXX, and XXXX  that does not belong to me. I have attempted to resolve this issue but Barclays has refused to send me the validation necessary for leaving it on my credit reports,. 

BRCLYSBANKDE XXXX
Product: Checking or savings account

The funds will not be available but the bank is releasing funds and charging me over draft fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX  XX/XX/XXXX that amount of {$470.00} account number starting with XXXX XXXX XXXX  XX/XX/XXXX the amount of {$1500.00} account number starting with XXXX Social security administration account number XXXX date XX/XX/XXXX for the amount of {$21000.00} XXXX XXXX account number XXXX date XX/XX/XXXX in the amount of {$1600.00} XXXX XXXX  account number XXXX in the amount of XXXX date XX/XX/XXXX XXXX XXXX  XXXX the amount of XXXX date XX/XX/XXXX XXXX XXXX account number XXXX in the amount of {$630.00} XX/XX/XXXX XXXX XXXX XXXX account number XXXX XX/XX/XXXX amount of {$3800.00}
Product: Money transfer, virtual currency, or money service

I received a phone call from what I thought was a lending company I worked with in the past but it was not and was told to transfer {$900.00} from XXXXXXXX XXXX to different phone numbers. I believe they have my account information and SSN. I suspect fraud and would like to close out accounts and put a freeze on my SSN.
Product: Credit reporting or other personal consumer reports

Dear XXXX Consumer Relations + Credit Rent Boost, I hope this letter finds you well. I am writing to bring to your attention a discrepancy that I have noticed in my credit report with XXXX. After thoroughly reviewing my credit reports from all three major credit reporting agencies, I have noticed that a specific account is correctly reported by XXXX but is missing from my XXXX report. 

Here are the details of the credit card account in question : Creditor : XXXX XXXX Account Number : XXXX Account Type : XXXX Date Opened : XX/XX/2013 Account Status : XXXX  I would like to kindly request that you investigate this matter and include the account in my XXXX credit report. The accuracy and completeness of my credit report are crucial, as it directly impacts my financial credibility and access to various opportunities, including loans and credit facilities. 

Enclosed with this letter, please find copies of my credit report from XXXX, clearly indicating the presence of the credit card account. I believe that by rectifying this omission, my XXXX credit report will more accurately reflect my credit history. 

I understand the importance of maintaining accurate credit information, and I am confident that XXXX will take the necessary steps to ensure the completeness of my credit report. Please keep me informed of the progress of this request and provide me with written confirmation once the credit card account has been added to my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the XXXX because of an account that is showing up on my credit report. I notified them letting them know that the account # XXXX was incorrect and doesn't belong to me. I asked them to remove the information because it was reporting wrong information. I asked them to send me information about hw they verified it with the original furnisher and they didn't send me anything from the city of XXXX. They said they already looked into it and wasn't going to do it again. At this point I feel like my request is being ignored and pushed to the side. I don't undertsand how XXXX is saying one thing, experian is saying something else and XXXX doesn't show anything at all. There is no account on XXXX and I told Experian and XXXX the say thing.
Product: Debt collection

Called in and Attorney was very verbally abusive and claimed that I did not over pay for my debt even though I confirmed with payroll from my employer that I over payed on my debt in excess of XXXX and was due to still have my wages garnished on my very next check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted dispute and they did not fix it. There are 3 accounts that are incorrect. All three are paid by garnishment and or by insurance also they made the balance greater after my dispute and it is on a closed account.They will not allow me to dispute anymore and it leaves the accounts showing negative on my report however other credit reports did fix them but Experian and XXXX and XXXX XXXX  is blocking me to prevent me from disputing these accounts.
Product: Debt collection

M S Gerald phone number XXXX called my work number, and demanded my social security number, when I asked what it was regarding the man informed me he would tell me after he collected my information. They have also been calling my cell.
Product: Debt collection

Around XXXX on XX/XX/2023 I called conserve debt collectors. I asked for proof of the debt and I was told, " we do not need to send that we are a contractors with the school not a debt buyer ''.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Karma and or XXXX hasnt reported my credit card with XXXX XXXX credit line bank of {$2000.00} and {$0.00} balance carried monthly in over a year. Attached is proof
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Service, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX RE : Requesting More Information To Whom It May Concern ; I'm seeking more information about an account which I opened with your company. 
Please provide us with the following information : 1. The original Retail Installment Sales Contract or Lease Agreement, associated with the sale and financing/leasing of this vehicle. PLEASE BE SURE TO INCLUDE ANY ARBITRATION PROVISIONS. 

2. The full payment history on this account. That includes monthly balance, required minimum payment, and the actual amount paid. Please be sure to include the date of each payment.

3. The Notice of Sale/ Notice of Default, informing me of the date, location and method through which the vehicle would be sold, and how I could redeem the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

4. Explanation of Calculation of Surplus or Deficiency, including an itemized description of costs and fees. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

5.Any notices regarding our clients right to redeem personal property contained in the vehicle. PLEASE PROVIDE PROOF OF MAILING FOR THIS LETTER.

6. Details regarding whether this was a public or private sale. If this was a private sale, please advise as to whether this was a wholesale transaction ( dealers/ vendors only ) or open to nonprofessional buyers.

To respond to this letter, you may contact us by email or USPS mail. PLEASE NOTE THAT EMAIL IS SIMPLER FOR BOTH YOU AND US.
Product: Debt collection

Dispute Letter Under 15 U.S. Code XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : Fair Collections & Out XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Dispute of Nonpublic Personal Information Disclosure Dear XXXX XXXX XXXX XXXX, I am writing to formally dispute the disclosure of my nonpublic personal information by your institution, as I believe it violates the provisions set forth in 15 U.S. Code 6802. This law restricts financial institutions from disclosing nonpublic personal information to nonaffiliated third parties without proper notice and consent.

According to 15 U.S. Code 6802, a financial institution may not disclose any nonpublic personal information about a consumer unless : The institution has provided the consumer with a clear and conspicuous notice that accurately describes the institutions policies and practices regarding the sharing of such information.

The consumer has been given an opportunity to opt-out of such disclosures.

I have not received any such notice from your institution regarding the sharing of my personal information with third parties. Therefore, I request that you provide me with : A copy of any notices sent to me concerning the disclosure of my nonpublic personal information.

Details on any third parties with whom my information has been shared.

An explanation of how this disclosure complies with the requirements outlined in 15 U.S. Code 6802.

Please consider this letter as my formal request for an investigation into this matter under the provisions of applicable laws. I expect a response within thirty ( 30 ) days as mandated by law.

Thank you for your attention to this important matter. I look forward to your prompt response. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. Experian and XXXX must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX : {$600.00}
Product: Credit reporting or other personal consumer reports

Hello i have an account from XXXX XXXX XXXX but i dont know who that is or i have never used that bank account.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent, inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such accounts and also other documents, so I may review the information to confirm or deny whether the accounts belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently given a 2 month extension on my lease as assistance because of the government shut down. I was assured that XXXX was doing this to help us but they failed to process the extension correctly and reported the loan as 30+ days late when its not late due to the extension. I have called several times and they have failed to update it to correctly report.
Product: Mortgage

I have been paying my mortgage payment on time and the bank issued a notice to the credit bureaus that I am two months behind.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding a negative item that continues to appear on my credit report. Despite my explicit statement that this item is unverified and incorrect, it persists on my report, which is deeply concerning.
Product: Credit card

On XX/XX/year> I picked up a rental car at XXXX in XXXX, MA. XXXX XXXX made the reservation and was shown on statement as responsible for the bill as their insured had damaged my car. I have attached documents showing XXXX made the reservation, stated they would pay direct or reimburse, and the XXXX bill shows XXXX as the " bill to '' party. 
Enterprise insisted on a credit card from me " ONLY TO COVER GASOLINE, TOLLS '' as it was clear XXXX was paying all charges including insurance. I was surprised to see a credit card charge appear a month later for {$550.00}. I called XXXX and XXXX told me XXXX only paid {$290.00} and I had to pay the rest. I never received any bill for the so-called " rest '', I never authorized use of my card ; it was clear with XXXX I gave the card only for gasoline and tolls if necessary. I asked her to contact XXXX for payment and refund me. She refused. It was easy for her to simply keep my money. 
Both XXXX of XXXX and XXXX XXXX at XXXX have refused to talk with me. XXXX has even refused to show me a bill justifying the {$550.00}. [ I assume for the additional rental days as my car was not ready on the anticipated Friday pickup ]. 
I contacted Citizens Bank XXXX to dispute this unauthorized charge on XX/XX/year>. They have made it impossible to deal with them over the last 8 months. Their customer service attendant will not allow the customer to speak to the dispute dept. they relay messages. I was given a claim number 3 times. The first 2 claims were " lost ''. 
claim XXXX XXXX XXXX I was directed to submit documents by email ( or snail mail ). NONE of my emails were ever acknowledged! Numerous phone calls led to nothing. I received XXXX letter asking for documentation, another saying I had won the dispute and then a month later another letter saying it was reversed. They showed me a copy of the XXXX contract as proof. It was the same contract I had to them! And it showed the " bill to XXXX '' instructions. 
Citizens obstructs at every point in the process making it impossible to communicate. The customer can only leave messages with the customer service person. The form letters that arrive much later in the mail do not address the issues. A simple denial without investigation. 
My credit card was used without my permission, a bill was not presented for the {$550.00}, XXXX will not rectify this nor even talk to me. 
XXXX will not pay the bill nor reimburse me, despite written promises to do so. 
Citizens XXXX has done everything to obstruct my bona fide attempts to dispute this unauthorized use of my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I submitted a complaint with the CFPB about Transunion and the account XXXX   XXXX XXXX XXXX XXXX. I ATTACHED THE COMPLAINT WHICH IS XXXX AND TRANSUNION RESPONDED TO THE COMPLAINT,,, THEY RESPONDED ON XX/XX/2018 STATING THAT ACCOUNT I DISPUTED DOES NOT CURRENTLY APPEAR ON MY TRANSUNION CREDIT REPORT, YOU CAN SEE IN THE COMPANY REPONSE SECTION WHAT TRANSUNION STATED AND I CALLED A TRANSUNION REP ON XX/XX/2018 AND SHE STATED THE ACCOUNT ISNT REOMVED FROM MY CREDIT FILE,,, THIS IS NOT RIGHT TRANSUNION HAS REINSERTED THE ACCOUNT WITHOUT WRITING ME BY MAIL,,, THIS ACCOUNT SHOULD HAVE BEEN REMVOED FROM MY CREDIT FILE,,, I WILL SUE YOU TRANSUNION FOR THE NON COMPLIANCE,,, I HAVE ENCLOSED A COPY OF THE COMPLAINT SHOWING THAT THEY REPONDED STATING THAT THE ACCOUNT ISNT APPEARING ON MY REPORT SO WHY IS IT MY REPORT, THEY SHOULD HAVE TOOK THE ACCOUNT OFF ON -XX/XX/2018 WHEN THEY RESPONDED TO THE CFPB COMPLAINT,
Product: Money transfer, virtual currency, or money service

l am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

YES MY NAME IS XXXX XXXX AND I AM A VICTIM OF FRAUD THE FOLLOWING ACCOUNTS ARE REPORTING INACCURATELY ON EQUIFAX, XXXX AND XXXX I HAVE REACHED OUT TO ALL THREE WITH NO PROPER RESPONSE AND I HAVE REACHED OUT TO THE BANKS INWHICH THEY ALL SAID ITS UP TO THE CREDIT BUREAUS THE ACCOUNTS ARE ALL CREDIT CARDS FROM FRAUD AND THEY ARE XXXX XXXX ACCOUNT # XXXX AMOUNT {$7500.00}, XXXX XXXX # XXXX AMOUNT {$6100.00} AND XXXX XXXX {$3200.00} ACCOUNT # UNKNOWN BUT IT WAS OPENED XX/XX/2016 AND THE OTHER ACCOUNTS WERE OPENED XX/XX/2016
Product: Debt collection

I received a call in  XXXX  from a company called  XXXX   XXXX   XXXX  . They are a debt collector hired  by Mobiloans. De spite this debt being several years old, I agreed to a payment plan because it seemed affordable and they were offering me a settlement of  XXXX  for a debt that was  XXXX . I agreed to pay back the amount of  XXXX  in  3 in stallments of  XXXX . I received a letter through email confirming this information. Yesterday, I was reviewing my bank account and noticed that the first amount taken out was  XXXX . I called the company to inquire about this and was directed to a man named  XXXX . He immediately became angry and said that there was no way this was an agreement and that he would be fired if he ever offered something like this. He then called me the "  XXXX   XXXX . '' He wanted to know who signed the letter and I said it was only signed  XXXX   XXXX  but it was sent by  XXXX   XXXX . He then forwarded my call to  XXXX   XXXX .  XXXX   XXXX  was very agitated and said the agreement was no longer valid because I did n't make the agreed upon payments. I said you have my account information and you took  XXXX . She said it 's not valid and you have to make payments in the amount of  XXXX . I said I could n't afford that, especially in the summer months as I am a teacher and do n't get paid in those months. She accused me of bouncing a check t o Mobiloans and  threatened th at I may very w ell be prosecuted. I did n't believe that I did this and she became very angry. I said I ca n't afford this, I have brakes to be repaired on my car. She said " oh now you are telling me the truth, why did n't you do that to begin with? ", " Now, maybe I can work with you. '' She again brought up the NSF check and ask me if I had ever been prosecuted. I said, No, of course not. I did not agree to the payments. She was very angry with me and basically hung up on me. I called Mobiloans and my bank and both told me that there was not a returned check. I called her back and she was really angry and very mean this time. She said " are you calling me a liar? '' I said, to not take a dime from my account and I was contacting an attorney. She accused me of talking to her like she was a child. She said she would send me proof of the NSF check right away, which I have not received. I looked this company up on the internet and apparently the NSF check and threat of prosecution is a tactic this  XXXX   XXXX  uses often. This is a horrible company and should be shut down. Thank you,  XXXX   XXXX