23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone used XXXX to get {$1000.00} out of my bank account. I immediately called Wells fargo while it was still pending and informed them that this was not authorized by me at that time. I did not know that they were able to stop the withdrawal. I was told to wait and see, if the pending actually went through and of course it did the next day. I had to change bank account numbers and I did XXXX fraud claims and each one went to higher and higher escalations and every time it came back that I authorize the payment I dont see how they can say that because I called them while it was still pending and told them it was not me, I got a letter on XX/XX/XXXX informing me that my account had been hacked on the same days that I had troubles. I sent them XXXX pages of screenshots and evidence that it was not me because in the subsequent days I was attempted to be hacked around XXXX more times, but since I had a new bank account number, they did not go through Wells fargo tells me theres nothing more I can do because they believe XXXX lying but I dont see how they can think that because I call them within XXXX minutes of seeing that pending transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I have XXXX account in my credit that is not mine
Product: Checking or savings account

Requested an HSA refund from my HSA account -- this to comply with Medicare Part A eligibility. I used the transaction history provided by their site to specify the amount of refund and provided them with the forms they requested ; I submitted these forms on XX/XX/XXXX. They sent checks with the wrong amounts that can't be reconciled with the transaction history they provided. I have not cashed these checks because I want the amounts corrected. Today is XX/XX/XXXX. I have contacted them several times about this and each time they tell me they need 3 to 5 business days to review and resolve. I never hear back. I have also sent a certified letter to their mailing address. I hold their checks and await their instructions, but no instructions are forthcoming. 

DOCUMENTS attached : Consumer Complaint Confirmation from the Federal Reserve -- XXXX XXXX -- XXXX of form submitted to bank XXXX -- XXXX of form submitted to bank HSA_OVER_Contributions -- EXCEL showin how I calculated amounts HSA Withdrawal Dispute -- WORD doc sent to back via registered mail Transaction-Export -- CVS file of my txns downloaded from their site HSA Transactions with errors marked EXCEL of above CVS file with errors marked. 


Optum Bank has received all these documents from me.
Product: Credit card or prepaid card

On XX/XX/2022, my wife used her additional card ( ending in XXXX ) on my XXXX XXXX XXXX account to make a purchase of {$790.00} using XXXX XXXX with the merchant " XXXX ''. It is for an XXXX XXXX mini. 

The merchant has already shipped the XXXX on-time, and the recipient has already received the XXXX and started using it. 

However, after more than 2 weeks later, we are still unable to see the transaction in the Amex Mobile app nor Amex website. 

We have contacted the merchant on XXXX, and the merchant confirmed that they have received payment. However, we are still not yet charged for this transaction. 

This caused 2 issues for me : 1/ This caused me to worry that Amex may suddenly come back and charge me out of the blue, months or years down the road, causing significant stress. I would like to have a closure on this issue as soon as possible while memory is still fresh, instead of keeping this issue in the back of my mind indefinitely. 

2/ This billing error caused me to miss the Amex " Plan It '' no-fee promotion that ended in XXXX. Had Amex posted the transaction on-time, I would have been eligible for the Plan It feature and I would have been able to pay this charge in installments without any interest.
Product: Credit reporting or other personal consumer reports

Disputed Collection Account - XXXX  To Whom It May Concern : The following collection has violated my federally protected consumer rights. 

I am writing to dispute the collection account that is erroneously appearing on my credit report. This alleged debt from XXXX was sold to XXXX XXXX XXXX, but I never signed any agreement authorizing this debt or collection actions. 

Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector may not use unfair practices when collecting a debt, including falsely representing the character, amount, or legal status of the debt ( 15 U.S.C. 1692e ). Furthermore, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies must ensure maximum possible accuracy of the information contained in a consumer 's credit report ( 15 U.S.C. 1681e ( b ) ). 

Since I never agreed to or authorized this alleged XXXX debt via any signed contract or agreement, any collection actions are invalid. The collection account on my credit report is therefore inaccurate and must be removed immediately, in accordance with the FCRA 's accuracy requirements. 

Reporting information that you know or have reasonable cause to believe is inaccurate and failing to correct inaccurate information after notice is a violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) ). 

If you do not promptly remove this collection account from my credit report, I will have no choice but to file a lawsuit against for violations of the FCRA and FDCPA and seek actual damages, statutory damages, and attorney 's fees. 

To protect my rights under federal law, I demand that you remove the inaccurate XXXX collection account from my credit report within 30 days. I look forward to your prompt attention to this serious matter.
Product: Checking or savings account

On XX/XX/XXXX I went into a branch about a credit card come to find out someone tried to open and account in my name in XXXX but with negligence on behalf of navy federal credit union it wasnt identified or brought into question until I was approved for the credit card after being denied for years most of my banking has been done online without problem but once i come in person identify myself with every document or passcode they required Im still denied access to my funds I have had this account for XXXX  years Im a XXXX 100 % percent total and permanent XXXX veteran my only income is not accessible to me at no own fault of mine.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX | XXXX | XXXX XX/XX/2023 U.S. House of Representatives XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Honorable XXXX XXXX : Bank of the West closed my account with no explanation. It has taken me months, and countless hours to transfer all my affairs to a new bank. Not to mention the bounced check charges I have incurred. 
After receiving the attached letters I went into my local branch on XX/XX/XXXX here in XXXX XXXX and spoke with the manager XXXX XXXX XXXX. She said she had no idea why I received the attached letters. Despite my complaints she said there was nothing she could do. I take great pride in handling my financial affairs. I pay my bills on time like my father taught me. Never in my XXXX years have I had an experience like this. Banking is a necessity in todays world. One can not function without a bank account. By the time I received the letters I had been a loyal customer for over 8-years. Why the sudden cancellation of my accounts, without explanation? Was my identity stolen? Was my account being used in a fraudulent way? Regardless, at least an explanation is in order prior to any closing of accounts. 
I can not believe that a bank can treat its customers with such arrogance. Why are banks allowed to behave this way? I am very upset about this and I am seeking an explanation. 
Why are banks allowed to close customers accounts with no explanation or reason? 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am submitting this complaint with my own free will. Please review the attached documents to assist with my complaint.
Product: Credit card or prepaid card

My Capital One Bank Menards Big Card Credit Card # : XXXX is lost/stolen and the {$6900.00} in transactions are all fraudulent charges and transactions. The charges are not my charges. They are all fraudulent charges.
Product: Credit card

CAPITAL ONE BANK MADE TWO HARD INQUIRES ON MY XXXX CREDIT REPORT THAT I DIDNT CONSENT TO
Product: Debt collection

This debt from I.Q. DATA INTERNATIONAL, INC, was added to my credit report. The amount is XXXX which I do not owe from an apartment complex, XXXX XXXX. First off the apartment complex was aware we were moving. We had no central air during the summer, we were given the wrong apartment and various other issues they were in breach of the lease agreement. Management was aware and notice was given then they turned around and posted an eviction letter, they kept our deposit, and we moved.No one ever contacted me on any bill. The date is wrong wrong on this we lived there in XXXX this was reported in XXXX. Furthermore this apartment was rented out the next month. We are not liable for this debt and certainly not that amount. Interest is also collected this is a non interest collection. Who ever heard of collecting interest on a collection debt. This company was involved in a class action lawsuit for exactly what is going on here. I want this off of my credit report. Nothing has even been sent to me substantiating this debt. I have disputed this multiple times. with no results. This is my last resort before legal action.
Product: Vehicle loan or lease

Beginning in  XXXX  of  2016 , Gateway One Lending began to report my account as being delinquent, despite receiving my payments on time. After several attempts to rectify this situation, to no avail, I have no other choice but to seek outside assistance, including possible legal action. My attorney has made several calls  to Gateway One,   only to be given numerous explanations to why this miscalculation continues to damage my  Credit  worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 credit bureaus are reporting inaccuran=cies in late payments all between XXXX XXXX and XXXX XX/XX/XXXX. All othe months are not correcty reporting informaiton. For example XX/XX/XXXX Transunion and XXXX says i am current but experian says im 30 days late.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 Business Days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN
Product: Credit card or prepaid card

REceived prepaid mastercard I did not apply for from PAYPAL, issued by the XXXX XXXX, Arrived in US mail. I have frozen all credit and signed up for OPTOUT on credit card offers. I called Paypal several times and was only directed to other numbers that have recorded lines. I called XXXX  XXXX, got a ticket number XXXX. When i called back they said I had to call PAYPAL but were unable to provide a number. they only said call paypal. I do not have a paypal account. I do not want a new account. I do not to give any information out.
Product: Debt collection

Creditor- BMW Financial Services Amount shown on XXXX - {$10000.00} Date reported : XX/XX/2020 Negative remarks : They indicated i owe them money when my account is closed. I was told on a recorded line that the amount of {$10000.00} would NOT be reported to ANY creditors within a year so we could potentially resolve this issues at hand. They have went against their word that was recorded on their phone line!
Product: Credit card or prepaid card

On my XXXX, XXXX I sent my dispute to this company about a account that was opened under my name without my knowledge or consent. And to date I still have not received any kind of response to my complaint or to know if they did any kind of active investigation into this matter. I have attached a copy of letter sent to company along with police report that I have been a victim of identify theft in this matter.
Product: Mortgage

I have been searching for a satisfaction letter to get a release of XXXX for an old HELOC that was opened in XXXX that has a {$0.00} balance XXXX phone calls requesting a payoff/satisfaction letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) no letter sent. 
XXXX emails requesting Payoff/Satisfaction Letter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX A representative for NewRez said XXXX sent it on to the escalation team yet still absolutely no response. 

XXXX XXXX XXXX XXXX also reached out on my behalf with no response early this week. 
This is holding up my closing on my house and potentially causing significant financial distress as I can not sell the house without this and am about to lose my buyer and my new home purchase if we can not obtain the Payoff/Satisfaction letter by months end as the buyers only gave us until XX/XX/XXXX before they will be moving on. 

Everyone I have talked with at New Rez tells me that the loan balance was {$0.00} when they acquired the loan from XXXX XXXX XXXX  in XXXX of XXXX so they have no documentation as they didn't onboard the mortgage because the balance was {$0.00} and I need to contact someone at Specialized Loan Servicing, but in the same breath say New Rez absorbed Specialized Loan Servicing in XXXX of XXXX. They no longer exist. When I call or email the numbers for XXXX online, it goes directly to NewRez. 

My XXXX  works for a XXXX XXXX so she had her XXXX  reach out as well to the rep at New Rez they work with and still we have not received resolution
Product: Credit reporting or other personal consumer reports

I just wrote a letter stating, 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2025 Ive contacted XXXX at XXXX I spoke with a live rep by the name of XXXX about not having access to my online portal with XXXX however its saying my account is suspended when it shouldnt be, yesterday XX/XX/2025 it says my fraud alert was placed back on and back off without my consent it shouldnt have been placed back onto my account without me doing so. However I was trying to dispute an account that shouldnt be on my credit report XXXX XXXX its repeating an amount of {$110.00} as of mortgage / rent I do not pay mortgage and I didnt report any lease of no kind for rent services with XXXX. I do have a XXXX  account but its a credit builder account thats it. This new account ruined my credit worthiness Ive dropped over XXXX with XXXX and XXXX with Equifax and XXXX due to this error. I asked that it be investigated and removed from my credit report immediately. Equifax and XXXX are currently being sued due to not investigating, and reporting errors on consumer reports. This has caused me mental and physical stress.
Product: Money transfer, virtual currency, or money service

Robinhood has decided to end their relationship with me I would like to restore that relationship I am a multi millionaire thats interested in investing in the best application Out there to buy and sell stocks which is Robin Hood so I would like to restore this relationship as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've tried disputing a couple of fraudulent accounts on my credit report, an d the Bure  au has taken some of it off but only the collection things. I 've sent letters to the collection agencies and have gotten little response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine? Most recently about a month ago I did send in an Identity Theft document and all of the items it asked me to include. Feel like after six months of disputing and working hard that it 's really going nowhere. Would like to have this stuff taken off my credit report bc it is not mine. Thank you I leave out of the country for months at a time, and someone must have used my information and apply for credits because I was always getting declined no one could tell me what happened. Police said too m uch time passed. I did file though as requested by the credit bureaus. They still ignore us. I hope that this credit bureau gets fined or punished somehow.
Product: Credit card

Fortiva is the servicing company who handles my XXXX card. I 've had other issues with this care, one that I had to report previously to your agency. I am back to file a complaint against them for how the handle the payments that are made toward the balance. I made the minimum payment due on XXXX XXXX, XXXX and the funds were removed by XXXX on XXXX XXXX, XXXX. I reviewed the account online and it says I have {$84.00} available to use. I went to a XXXX store close to my residence today and tried to purchased {$81.00} worth on cleaning products for my home. The cashier was great and tried it twice. After that, I pulled my phone out to confirm the available credit. During this time, their front end is getting busy. Here I am standing in line with my XXXX XXXX XXXX son wondering why my purchase keeps being decline. The cashier called them for me and when the representative came on, he proceeded to tell me that even though the payment was made, the funds would not be available to me until XXXX XXXX, XXXX. I was livid and most importantly, embarrassed. He proceeded to tell me that he knew how I felt and I was like no he did n't. I told him how embarrassed I was and that they 've had my money since XXXX XXXX. They are illegally holding my money. I am including the screenshots of their website, my bank account and their card agreement posted on their website. I need this policy reviewed. I want an apology for the embarrassment I went through.
Product: Credit card or prepaid card

I was informed to contact Capital One in reference to hardship programs offered due to me being injured and under workman compensation for 6 months. I requested the interest be reduced to assist me with paying the CC bill on time each month. I was informed I could not be on a program such as that because my CC payment was not pass due at least 90 days. I informed the Supv. I have never had any 30 day late payment, I attempt to pay all bills from Capital One on time and I need relief with the interest. I was once again informed they could waive any late fees for the next 90 days. In an attempt to have the Supv. understand my hardship, I asked if they could at least assist with waiving the interest on XXXX 's bill in order for me to get back on track and not have to receive a 30 day late. I advised them my salary decreased and I truly need to be on a Capital One hardship program that can assist me since I have been with them for several years and have other credit card and auto loans that I pay on time as well. They were unwilling to assist stating I have a pass due amount. Indeed and explained that is why I called in seeking assistance. I was then asked if I wanted to close the account. This is what you state to a consumer who has a job related injury and needed assistance for a short period of time.
Product: Mortgage

I refinanced our mortgage with a closing date of XX/XX/26. Prior to close we received notice that servicing would transfer from XXXX to PHH Mortgage on XXXX. The payoff statement compiled by XXXX was for a payoff on XXXX to account for this. We closed on XX/XX/26. Funding of the loan occurred XXXX and a check was sent to XXXX ( per XXXX instruction ) by the closing attorney. XXXX received this on XXXX and turned around and sent to PHH. It has been confirmed that PHH received the envelope from XXXX on XXXX ( the payoff date that was calculated for my closing ). Never seeing that my loan was paid off I started to contact PHH about this. Finally after several weeks of contacting them they claim to have lost the payoff check and to cancel the check and wire the funds ( which I had suggested weeks earlier ). Last week the closing attorney wired the XXXX payoff funds to PHH and PHH has confirmed receipt, however, they claim that they payoff funds are short since PHH has been accruing interest since XXXX, the date they received and subsequently lost the original pay off check. I have complained there should not be any extra interest since they lost the check in the first place and so some group at PHH is looking into it. When I look online, PHH still shows that no payment has been made and my full balance is outstanding. When I called, they again said the payoff was short and that they can not apply the funds in any way until the issue with the interest is resolved, which last week I was told could take 20 days. They also would not say that they would not report me as delinquent when the 60 day grace period is over in a couple days. I fully expect it will take the full 20 days to hear back from them and in a couple of days that my excellent credit score is going to be ruined, and that PHH will start charging me delinquent fees for non-payment, even though they have several XXXX XXXX dollars in their account from my payoff. You cant get a hold of the person you are working with and they dont return calls when you leave messages. Trying to get an email sent to you will take 2-3 business days as our system is only set up for internal emails. It is all a scam to delay, delay, delay so they can continue to accrue interest/fees. They are a terrible company. Given that the consumer has no say in who the servicer is, being forced to deal with them has been a nightmare and they should not be allowed to service mortgages at all. Just check any review of them. I am beyond livid that there is no one legally responsible for making sure a refi loan is paid off and that I spend hours trying to get someone at PHH to handle this. They are absolutely the worst servicer I have ever dealt with.
Product: Credit reporting or other personal consumer reports

I submitted a dispute package to TransUnion on XX/XX/year>, regarding fraudulent accounts on my credit report. This package included a police report, proof of identity, and a request for GAAP-compliant verification of the accounts. According to FCRA 1681c-2, TransUnion is required by law to block fraudulent information within 4 business days of receiving proper documentation. However, as of XX/XX/year>, no action had been taken. 

When I contacted a TransUnion representative on XX/XX/XXXX, they falsely claimed that all disputes, including fraud-related ones, follow a 30-day process, which contradicts the FCRA 's clear 4-day blocking requirement for identity theft cases. This misinformation, combined with the failure to block the fraudulent accounts, has caused delays and financial and reputational harm. The dispute system currently indicates that the issue wont be resolved until XX/XX/year>, far exceeding the legal timeframe. 

Additionally, I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ), including CFPB Complaint # XXXX ( submitted XX/XX/year> ) and # XXXX ( submitted XX/XX/year> ). Despite these complaints, TransUnion has failed to comply with its legal obligations, and the fraudulent accounts remain on my report, causing ongoing damage to my financial standing. 

TransUnion has violated its obligations under FCRA by failing to block the fraudulent information within the legally required timeframe and providing false information about the dispute process. This continued mishandling of my personal information and refusal to act is a direct violation of the law and has caused undue hardship.