23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian ( CFPB ) Complaint # XXXX Experian has not resolved the issues, Experian has not and still refuses to provide the requested information. Despite Experians XXXX that they lied about in their response I still can NOT contact Experian as they do not allow consumers to actually contact them!!!
Product: Payday loan, title loan, or personal loan

In XXXX of XXXX I signed a contract to purchase solar panels from XXXX XXXX XXXX ( XXXX ) with a backup battery that would power my home in case of an outage. The high pressure salesman promised we would be making all our own power and saving credits to pay for our own electricity usage through the winter. The salesman told me I would be stupid not to buy solar and keep paying Consumers power when I could just be paying myself. The system was installed in XXXX and wasnt finished until XXXX. The System hasnt worked to the contractual agreement ( to power production ) since, if it even works at all. The battery has never worked to power our home. I have had several service calls from XXXX and they never fix the system. The same day I received the letter in the mail that XXXX went out of business my system went out completely. XXXX tells us the problem is with XXXX and that we should call them. After several calls XXXX does nothing. 
I am currently paying a {$330.00}. Per month payment on a $ XXXX loan to XXXX and receiving no solar power from the system. In addition to high electricity bills from XXXX XXXX and my monthly propane bill.
Product: Debt collection

this company is beiing file against SunTrust Line of credit. account XXXX. This is i as a line of credit that they close because after eight year never missed payment unite my father dead and we went through some hardship. SunTrust employee just harassments me for XXXX on the account call my home three to four time a week. there representative need to train they close my account with out being 30 day late. they sent the statement for the XX/XX/XXXX bill and the billing cycle is 31 day. I ask them not to call my house any more. and they said just pay the XXXX and we will stop call. this is nothing more then harassment for XXXX. never being late or missed any payment. the representative told me that my line has a10 grace time before it come pass due. this is what there me respresentative. went dose the hardship come in after loss a family member and upstanding
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, I noticed that several accounts have been opened using my identity. I did NOT authorize these accounts and I have contacted each individual company with no response as to where these accounts come from and why they are showing up on my credit report/profile. Below I have listed several accounts that are recognized as fraud : XXXX ) XXXX XXXX XXXX XXXX {$410.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXXXXXX {$470.00} XXXX XXXX ) XXXX XXXX XXXX {$710.00} DATE : XX/XX/XXXX XXXX ) XXXX XXXX {$1000.00} XXXX XXXX ) XXXX XXXXXXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX  ) {$38000.00} XXXX
Product: Checking or savings account

I have my checking account with Truist Bank. 
My branch is in XXXX, FL. 
Routing number XXXX On XX/XX/22 I performed a mobile deposit of a check valued at {$560.00} and the balance was available the next day. That check was written by a credit union. On Saturday XX/XX/22 I performed a mobile deposit ( using the banks mobile app ) of a check from XXXX XXXX of XXXX, XXXX for {$2100.00}. I fully expected the funds to be available by Tuesday XX/XX/22. Instead, while my posted BALANCE showed that amount had been added, my AVAILABLE balance did not reflect it. When I contacted the bank, I was told that those funds would not be released until the morning of XX/XX/22 because, " There is a lot of check fraud in Florida '' and " We don't know if the bank will recall that check ''. 

I have never had ANY check held longer that 3 full business days. And after doing research online, I discovered dozens of similar complaints for personal and business accounts where large checks are being deposited and Truist Bank is taking up to 2 entire weeks to release those funds. This was a check from an automobile dealership that I had already waited 10 weeks for. 

I think this is either illegal or poorly considered. I can not be held personally responsible for account balances - either the check will clear or it won't but don't use pitiful excuses to defend a bad policy
Product: Credit card

My credit limit was drastically reduced. {$3000.00} to {$300.00} due to a routine credit check. The reasons given were inaccurate and some of the things mentioned were present when the account was approved which makes little to no sense. 

Payments made on this account were never late.
Product: Checking or savings account

Hello ok so my account was closed due to fraud. First they restricted my account and then they lifted the hold and unrestricted my account they said my account was good. I had a check for XXXX from XXXX XXXX XXXX bail settlement the money was available on XX/XX/XXXX to be in the account they closed my account due to that the check wasnt verified from the maker but the check did clear out I called XXXX XXXX XXXXXXXX bail settlement and they said the check was cleared XX/XX/XXXX but chase is giving me a hard to release my funds due to that they cant call the maker because the number does not show on there system to call meanwhile the check was cleared I tried to give them all numbers from that maker and still there system is not showing the number to the company I do have a recipient with the sequence number that the check was deposited and also have the letter that came with it I told XXXX you guys should use XXXX to XXXX the company because it shows the number and the reason why they had a bail settlement out for. I would like them to release my funds and send me the check of my funds that was available and then the check was cleared please please help me with this to get my money back
Product: Debt collection

In XXXX of last year a {$60.00} collection suddenly showed up on my credit file and I immediately contacted the collection agency " XXXX '' about the account. I was immediately informed that the address they had on file was not the correct address and the letter they sent to me never got to me so that I could pay the bill before it ever went to collections and reported on my credit report. The agent agreed and it was understood that as long as I paid the {$60.00} account they would immediately remove the account from my credit report due to not having the right address on file. This conversation took place on XXXX XXXX, XXXX and I was told it could take up to 30 days. As of XXXX XXXX, XXXX the account had still not been removed from my credit file so I called them back and spoke with XXXX, the supervisor and she ensured me the account would be DELETED from my credit file within the next 24-48 hours and if not to call back as well as she would be sending me a letter. Here we are XXXX XXXX, XXXX and I 've called twice and left messages and have yet to have anyone call me back and the account is still listed on my credit report. I am in the process of purchasing a home and this is hendering my score. I only want them to keep their word as I did mine when I paid them.
Product: Credit card

In connection with a Citibank credit card, we submitted CFPB complaint number XXXX, to which Citibank responded more than XXXX months ago, as follows : " [ Citi ] sent a letter to the customer and advised that because we value his business, we applied credits totaling {$1000.00} for the difference. '' Citibank 's statement was false ; no credit was ever applied or otherwise given. 

Our original complaint stated the following : " Prior to XXXX turning over its XXXX credit business to Citibank, XXXX resolved an account dispute with us, confirming in a recorded telephone call that we were entitled to a {$1000.00} credit and that such credit would be credited to our account forthwith. Before the credit was received, the transfer of the credit card business by XXXX to Citibank was competed. Citibank thereafter repeatedly promised ( in recorded telephone conversations ) to make good on the obligation it inherited from XXXX and complete the {$1000.00} credit forthwith. Citibank inexplicably has repeatedly failed, and now refuses, to complete the promised credit in violation of both its agreement to do so and in default of XXXX ' similar promise to which Citibank succeeded to. Citibank has even had some phony dispute resolution expert named XXXX XXXX pretend to be seeking a resolution of the matter. His promised response was never forthcoming, and his failure and refusal to return telephone calls confirms Citibank 's continuing bad faith in this matter. The dispute is unresolved after more than XXXX months and countless hours of effort by us and unfulfilled promises from XXXX and Citibank. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been opening credit cards in my name.  XXXX  company,  XXXX    XXXX    also known as  XXXX  even settled with me over allowing someone to fraudulently open accounts in my name. I have sent that settlement paperwork and police reports to Equifax, yet they refuse to remove the   XXXX   account. Additionally,  XXXX  authorized the removal of this account and they refuse to comply. Furthermore, additional account such as  XXXX  and  XXXX  have been opened in my name and they refuse to repsond to the submitted police report by removing the accounts. Finally, in the last  two  years I have n't authorized anyone to check my credit c=and they are constantly reporting people checking my credit even though my file contains an extended fraud alert.
Product: Credit reporting or other personal consumer reports

I recently reviwed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove from my credit report as soon as possible.
Product: Credit card

Today I received a letter dated XX/XX/XXXX from Home Depot which stated my account thats always been in Good standing has been closed. Reason being I had 2 checks returned in the last 6 months. As long as Ive had a Home Depot card I have never had a check returned to MY bank. Or written a check that was returned for any reason. In XXXX I called and informed the fraud dept something was wrong. I couldnt use my card. Some one besides myself was making payments to the account. 2 to be exact .i told them I make my payment on the 1st and that was Not me making these payments. I was Instructed not to worry about by the agent .Really sir. I was issued a new card. 
In XXXX or XXXX someone attempted to change my address and request a new card. I know this because now card # 2 is not working. No one notified me a card was issued. 
I never received the card .they sent yet another card the account number is XXXX XXXX XXXX XXXX. Today I get a letter that account has been closed. Because my account had 2 returned checks in 6 months. Even though I notified them I had no knowledge of anyone making payment to this account in XXXX maybe late XXXX. I didnt have any returned checks .my payments come from XXXX XXXX XXXXXXXX XXXX XXXX. Those payments they couldnt say who made them but they was returned. Now this will show on my credit for no fault of my own. Resolution I was told to reapply .again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. 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 XXXX  more than 21 times. XXXX 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

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Opened XXXXXXXX XXXX  allegedly owe : XXXX I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.
Product: Credit card or prepaid card

Citi Card is charging me {$670.00} for a charge that was fraud. They claim I received goods. I did not. 
XXXX tracking data shows the package was refused, and returned to sender. 
Citi security dept says they can do nothing. 

New card issued XX/XX/XXXX charge back on bill XX/XX/XXXX, now charging interest.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 I noticed {$4000.00} was removed from my savings account. I called my bank Wells Fargo immediately to inform them of this and opened a fraud claim. Apparently someone had opened an account with the XXXX XXXXXXXX XXXX and had my money from Wells Fargo transferred to that account.They told me it would take 10 business days to investigate my claim. I called everyday to stay on top of this and to get additional information as to how this could have happened. Finally on the 11th day I called Wells Fargo as no one had contacted me, it was then that they informed me that my fraud claim was closed and denied. Claiming it was done by me through my device based on the IP address. Obviously my phone was hacked because i did not authorize or do this, nor does anyone have access to my accounts. It clearly states on google that that your IP address can be hacked and your device can be taken over. I am single parent and this was the money I was saving to fix my furnace, why would I transfer all the money i had to an account in XXXX and leave myself with nothing? I just do not know what to do at this point? Any assistance you can provide me would be greatly appreciated. Thank you!
Product: Money transfer, virtual currency, or money service

Good day, On XX/XX/2022, I attempted to transfer {$170.00} from my debit card to the debit card of a family member by using Moneygram 's online service. Usually, it takes a 30-minute to an hour window for the party to receive the money. However, this specific transaction has been stuck saying, " your deposit is on its way. '' When I contacted Moneygram on XX/XX/2022, to inquire about the status of my transaction and why it was taking so long, no reason was given to me except that the representative who claimed to be a supervisor would create a ticket. However, she said the ticket could take up to 90 days to be resolved, and I could no longer get a refund or cancel the transaction. As I am writing this message, my transaction is still pending. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these accounts ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I received a random message from a lady XXXX from California to discuss cryptocurrency investment and having more growth opportunities in the future. I wasn't interested at first and somehow got convinced after continuous follow up. I started doing this with a minimal amount of XXXX  . This is the company this lady referred to me and it is a crypto trading platform. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I set up the account and did trading. And, Invested in their staking options. All were going well, and able to withdraw the crypto and convert it into XXXX and deposit it into the bank account. It proved to work end to end. So, I believed more and started investing more. I was influenced to invest more to make more money as part of the XXXX merger that happened in XXXX 
I invested about XXXX, and the lady lent me XXXX thru crypto and did trading, and my account was more than XXXX in the middle of XXXX. This lady XXXX also funded me as XXXX XXXX. The deal is to use her as a referral so she will get the bonus benefits, and also, I should be paying back her fund as i start getting the staking bonus every day. I have been doing this for a month. Meanwhile, there was an offer from the crypto company that if I invested more than XXXX, I would get 50 % of that as an investment bonus. Also, this lady said she could help me pay XXXX. So, I agreed to invest XXXX to get a bonus of XXXX. She paid only XXXX and the remaining, and she can't help due to cash flow issues from her side. So, she continuously pushed me to pay the XXXX to get the bonus before the due date. I did it and got the bonus, and currently, my account shows XXXX. I tried to withdraw XXXX, and the issues started. They locked my money, claiming I was using another account and using the same device to login and committing fraud with their system and I was asked to pay XXXX as a penalty which is XXXX XXXX of XXXX profit I received. I reached out to their customer care ( only via chat and they don't have direct contact ph number ), and asked if they could deduct from my existing money and pay back the remaining, but they refused and asked me to pay the XXXX to withdraw the money. This is where I started as a victim, and here I am now. 

I sent all my crypto coins via crypto.com XXXX deposit thru crypto XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX XXXX XXXX deposit thru wire transfer XXXX Total= {$290000.00} I have created a dispute against this issue using XXXX. This is a paid service and I have already paid XXXX as an advance to create a dispute against my case to recover my money back.
Product: Mortgage

PHH Mortgage XXXX has engaged in a pattern of action that has prevented me from submitting a complete modification package. PHH actions have included : Refusal to access or acknowledge previously documented instructions and communications by PHH personnel to me with respect to steps to avoid default Case Managers/single point of contacts have stated " I do n't have access to your file or any records of previous conversations '' ... '' it 's not my job to find out what anyone in another PHH department told you '' Threats including threats for me to not communicate in writing Repeated loss of documents and accusations of non-submittal despite my file being submitted by XXXX HUD Counseling Agencies and ( NACA and XXXX XXXX XXXX XXXX XXXX Misrepresentations, false statements from the beginning of my hardship to the present that caused me harm and prevented me from avoiding damage to my credit standing Instructions by PHH representatives that were misleading, faulty and harmful that caused me to lose options that were available to me prior to my home going into default Repeated refusal to provide accurate information on whom was the investor and/or the means by which the Investor could be contacted Refusal to answer questions or requests for informationListing my home for Trustee sale at the same time a review for modification was stated as being in process
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and theXX/XX/XXXXXXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a personal loan with United Community Bank, in XXXX, Georgia in XX/XX/2020 and they have failed to report complete and accurate information concerning my loan to all THREE major credit bureaus such as XXXX, XXXX  and XXXX. The loan is for {$2500.00} and the current balance is {$1600.00}.
Product: Debt collection

Some one opened two accounts in my name at XXXX a town I do not live in. This is identity theft and it is the second time that has occured XXXX.