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

I initiated a transfer from my Venmo account to my debit card on XXXX  using their XXXXXXXX XXXX instant transfer. XXXX XXXX XXXX XXXX the money has yet to arrive. I have called XXXX where my debit card is and XXXX tells me it is XXXX XXXX Venmos problem and the money has not ever arrived to XXXX. Venmo tells me it is XXXX XXXX XXXX problem as they have sent the money. Venmo tells me it will take them a XXXX to investigate. In the meanwhile, I suffer, tremendous financial consequences for not being able to pay my bills on time and putting my company on the verge of bankruptcy.
Product: Checking or savings account

XXXX transferred {$20000.00} plus into my Wells Fargo checking account at my request electronically. This transaction was handled perfectly. Our intent was to write a {$20000.00} check to our daughter and son-in-law so they can complete a purchase on a home. 

The funds showed in our account as good on XX/XX/year>. We wrote a check to our daughter and son-in-law XX/XX/year> after seeing the funds were good. They deposited that check into their Wells Fargo account on XX/XX/year> at XXXX XXXX at the XXXX Georgia branch. 

This morning, we learned that our daughter and son-in-law have been told funds were insufficient in our account. We have pulled all account history, history and screenshots, this is incorrect. Wells Fargo removed the {$20000.00} from our account successfully. They have failed to deposit it or explain where the funds are to our daughter and son-in-law, again, who are also with Wells Fargo. We consistently heard from supervisor XXXX XXXX the problem was with the originating institution. Both accounts are with Wells Fargo. 

This morning, a circus of telephone calls involving the XXXX, Virginia, and supervisor named XXXX XXXX who was incredibly rude,, consistently failed to listen to anyone, and stuck to a script relative to filing a two day complaint with Wells Fargos executive office. She disconnected the call when I attempted to explain the source of the funds to try and gain some sense of empathy. 

To date, Wells Fargo was unable to locate the {$20000.00}. We have been told they can not talk to us because the funds were not deposited in our account. Our daughter and son-in-law have been told the funds are not in their account account. Weve been told there is no hold involved of any kind. Yet the funds were removed from our account, and attempt to deposit in their account account was affected, and the funds remain missing. 

Beyond my admitted frustration with a complete lack of service by Wells Fargo, Im highly concerned that my {$20000.00} is missing. Further, those funds are required by my daughter and son-in-law completed transaction on their new home. We need help, and we need it quickly. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received my social security at Ally because SS could not start direct deposit until XXXX. I had received a notice stating they would be closing my account. No reason provided. After my first complaint it stated they would extend closing. It was a lie. I initiated a transfer of my social security payment to my new bank XXXX XXXX XXXXXXXX XXXX  was professional enough to email me regarding the transfer not occurring as Ally had frozen my funds. I received a letter from Ally today stating they are still closing my accounts so no extension as they inform you on their response to the initial complain and my money was frozen. It took me over XXXX hour to where it appears resolved. I do not trust them. Ally insisted it would take 2 days to make a decision. I mentioned I had filed a complaint with your agency. After XXXX mins on hold the funds were unfrozen and will transfer to my new banking institution. Ally is committing fraud and illegal practices by freezing social security monies. These practices I am certain are happening to other seniors that unfortunately are not well versed and internet savvy. They need to be reported.
Product: Checking or savings account

Today, XXXX XXXX XXXX, I attempted to open a XXXX XXXX XXXX Account at XXXX XXXX ( a division of Texas Capital Bank ). I provided all required information including my full name, address, social security number, phone number, email address, employment information, and annual income information. I completed signing off on all terms and conditions and was told to have my ID ready for verification along with a mobile device, which I did. When I finished entering this information I was told that they could not open an account for me based upon the information provided. I called customer service and spoke to two different representatives, neither of whom could answer my questions as to why my application had been denied. They were only able to point to page 10 of their account agreement terms and disclosures under " Obtaining Consumer Information '' as to why it was rejected. I provided all of that information and as I told the representatives I have opened bank accounts in the past year with zero problems. They apologized and said they couldn't give me any more information as they use a third party verifier to validate application information and they had no other insights. I informed them that ultimately, XXXX XXXX is responsible for the performance of third parties providing services on their behalf and that this is an unacceptable situation. I was told that my complaint would be forwarded and my application forwarded for further review but that they could not do anything further at this time.
Product: Payday loan, title loan, personal loan, or advance loan

I had a personal line of credit ( PLOC ) with the XXXX XXXX XXXX. The PLOC was sold to JP Morgan Chase as part of the sale of XXXX XXXX. Subsequently, JP Morgan Chase put XXXX in charge of servicing my PLOC. 

XXXX, which is servicing my PLOC on behalf of JP Morgan Chase, has withdrawn from my bank account ( XXXX XXXX XXXX checking ) to pay off the entire loan amount ( {$25000.00} ) without my authorization on XXXX XXXX XXXX. 

This mistake by XXXX has resulted in an overdrawn status for my checking account as well as delinquent payments for my mortgage payment, credit card payments, etc. 
I noticed this mistake by XXXX on XX/XX/XXXX, when I was notified by my bank ( XXXX XXXX XXXX checking account ) that my balance was below zero. I called the XXXX customer service to reverse their mistake, and I have not heard back from XXXX to correct this mistake. 

I am shocked to learn about the lack of controls at XXXX, which allowed this type of mistake to be made by a customer service agent, and I am even more shocked by the lack of response and communication from XXXX in terms of resolving this issue as soon as possible. As I understand that XXXX is a servicing entity, but the PLOC is owned by JP Morgan Chase, so I am filing my complaint against JP Morgan Chase, who is responsible for choosing the servicing company.

Due to their mistake, my credit score is suffering tremendously, which will result in higher interest payments for future mortgages, missed investment opportunities, mental stress, embarrassment, and mistrust in the financial institution.
Product: Student loan

Hi, I have not been able to log into my Mohela account. I tried to register my account and it says that someone has already has an account with that information. Then when I try to login with that same information it says that " the information you provided does not match our records. Please try again ''. The link about having issues with logging in is not helpful.
Product: Debt collection

I have XXXX items that are in collection on my credit report. I do not owe these debts as I had medicare at the time and I met my required deductable. {$140.00}. I was put into collection for a dr 's office and cardioloigist visit. To clairfy this they both are trying to collect a debt from me when I confirmed with medicare that they paid these bills. I should not be in collection as it is ruining my credit score and report. I keep getting letters from richard sokoloff ( atty ) that is trying to collect this debt. I wrote to the atty 's office as well and explained I spoke with medicare and it was confirmed that I met my annual deductable and they paid these XXXX accounts.
Product: Debt collection

I sent PORTFOLIO RECOVERY a letter asking them to verify this account belongs to me. They sent me old XXXX XXXX statements. THIS is not what I ask for. I want the Original contract from me and XXXX XXXX with my signture etc. If they can not give me this, please removed the account OFF my credit reports ASAP. I sent many letters and they have yet to provide proof. 

PORTFOLIO RECOVERY # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , VA XXXX ( XXXX ) XXXX Placed For Collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : DEBT BUYER Balance : {$4000.00} Date Updated : XX/XX/XXXX Original Amount : {$4000.00} Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Banking ) Past Due : {$4000.00} Pay Status : >In Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX HAVE FRAUDULENT INQUIRIES ON MY CREDIT REPORT FOR THE DATES LISTED : XX/XX/XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO. THIS HAVE TO BE AGAINST THE LAW.
Product: Credit reporting, credit repair services, or other personal consumer reports

according the Fair Credit reporting Act and XXXX  accounts : 1. XXXX XXXX Account # XXXX 2.XXXX XXXX XXXX Account XXXX XXXX 3. XXXX XXXX XXXX Account # XXXX 4. U.S bankruptcy Court Account # XXXX is in violation of my rights. 

under false pretenses shall be fine under title of 18, imprisioned for not more than 2 years or both. " 15 U.S.C. 1681q See the FCRA specifically provides ( 1 ) the consumer report for a purpose which the consumer report is authorized to be furnished under this section ( 2 ) the purpose is certified in accordance with section 1681e of this title by a protective user of the report through general or specific certification. As a result of you unlawfully obtaining my consumer report without permissible purpose you are liable to me ( 1 ) actual damages or statutory damages up to {$1000.00}, ( 2 ) punitive damages, and ( 3 ) cost of litigation together with attorneys fee. 15 U.S.C. 1681n ( a ).
Product: Mortgage

We currently have a loan with Bayview Loan Servicing. Our loan had been sold to Bayview from XXXX bank, which they are in their full right to do. We had requested a loan modification in XXXX 2016. We had provided all the requested documentation and final tax document that they requested. We faxed and emailed to the loan modification person. Then she left and then we were assigned to another loan person. I again was asked for the same information that I had already provided, which I did again. Then I kept getting letters asking for the same information again. I have tried calling and emailing the loan rep numerous times without any return call or response. I even tried to get a hold of the asset manager and left messages, again with no return call. I finally gave up on my loan modification as they refuse to respond to me. We are only one payment behind. I need to know what my legal rights.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the accounts listed below, which still appear on my credit report even after your investigation. These items must be re-investigated immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These accounts are hurting my ability to obtain credit and are highly injurious to my credit score. It is my understanding that in accordance with the Fair Credit Reporting Act, Public Law 91-506 Title VI, Section 611. please provide the names and business addresses of each individual and items of contractual documentation of whom you verified above, so that I may follow up. Also, please send an updated copy of my credit report after your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went off to school in 2009, I signed a master promissory note. Pursuant 16 CFR 433.1, 433.2, and 433.3 my master promissory note attached below is my negotiable instrument used to pay this alleged debt in full accordance to the law.
Product: Debt collection

Company stated that it would provide a detailed bill in it's response but there was no detailed bill or any other information that will help me identify the debt in question. And they didn't provide the steps that the CFPB asked to do when the complaint was submitted. this violate my consumer rights. I am denied that allegedly bill belong to me and I request to remove this collection from my credit reports immediately.
Product: Checking or savings account

I was sent notice that I was eligible for a tax deferred account by my company. My account was locked and I called. They referred me to fraud department and " XXXX '' " we will never do business with you '' never gave me an explanation.
Product: Credit card or prepaid card

Today ( XX/XX/22 ) at approximately XXXX ( XXXX  ) I requested a small credit limit increase of {$400.00} on my XXXX XXXX account. At no time in the process leading up to, during or even after was I notified there would be a hard pull on my credit. There wasn't so much as a small hyperlink to skip over. It wasn't until I got an email from a credit monitoring service that I was aware of the hard inquiry at all. I never would've requested the increase had I known about the impending damage to my credit nor did I consent to the pull at any time in the process. When I called to speak to XXXX about this I was transferred to a supervisor who then did nothing but gaslight me, XXXX and eventually landed on ( essentially ) " Well it's our policy, you should've just known and I'll forward your concern to the tech team. They'll review it and see about making it more clear online. '' I have never had a hard inquiry on my credit due to a limit increase, whether offered by a company or requested on my part. How was I to anticipate XXXX ( parent company of Citibanks ) would be different, especially as my Citi card is one of those who have never done a hard pull after the initial to first get the account? When I asked how they could do a hard inquiry without my request I was told that " you consented by requesting an increase '' but again, this " policy '' was not given anywhere in the process. 

I'm so upset that such a minimal increase is going to negatively impact my credit for years, especially as I didn't consent to this. In no way is this small increase worth a ding to my credit and I would've never done thus had XXXX been forthright or actively asked for consent to pull it. 

I do hope someone can look into this and hopefully protect anyone else from ending up here as well. I'm hoping also to find a way to remedy this with the credit bureaus. 

Thank you for your time, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

The Bureaus are govern by 15 USC 1681, and they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681, I have the right to privacy and I did not give a written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent JJ Marshall Associate letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.
Product: Debt collection

I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against AR RESOURCES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the said company to dispute account and was sent paperwork to fill out a fraud report. On XX/XX/2015 this account was opened without my knowledge. In the amount of {$3100.00}. I didnt authorize this account. I didnt purchase anything ever from XXXX XXXX XXXX. Ive had only one phone company for 15yrs and that is with XXXX not with XXXX XXXX XXXX or XXXX.
Product: Debt collection

I already canceled all the services and the XXXX  XXXX still charge me for next circle bill, I refused to pay them and the collector marked as debt, they said they decided when to stop my service.
Product: Debt collection

Portfolio Recovery Associates XXXX XXXX. This is not my credit card. It is showing in collections on my XXXX account. This account does not belong to me. the amount due is {$230.00}.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$30.00}
Product: Credit reporting or other personal consumer reports

I 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 of 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 are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX 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 a period of one year, at which point I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified.

Several times I have contacted EXPERIAN regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These collections have been removed by other credit bureaus but remain unverified and inaccurately reported by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60 days. 
I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you make a fair and informed decision in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that EquiFax failed to meet its obligation to safeguard my data, leaving me with a lifetime of future threats to my identity and irrevocable loss of security to my financial information. I believe that EquiFax executives have improperly profited from advance knowledge of this data breach - refer to http : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX charged off and wrote off this debt as a loss and bad debt. However, I have not received a Form 1099-C as required by the Internal Revenue Service ( IRS ) when a debt is canceled or discharged. Failure to issue this form while reporting a charge-off to credit reporting agencies may indicate that XXXX XXXX XXXX XXXX has not officially discharged the debt. This raises serious concerns about the accuracy of the information reported.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXXXXXX - {$720.00} These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

stated they verified a bankruptcy and I received proof from the court which I sent them that they do not verify bankruptcies with outside companies or credit bureaus
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to file for a credit card through XXXX XXXX. As the hard inquiry was being processed on my Transunion account, I received several alerts that someone was attempting to gain this access by using my information. I am seeking to have this hard inquiry removed. It is dated for XX/XX/year> XXXX