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

Last year, my father passed away so we've been working on settling out the estate, selling the house, etc. 

We finally closed on his home XXXX weeks ago, and I received a check for my portion of this. Roughly XXXX. Well, I didn't want any issues with the bank so I went in person with my ID/Debit Card to the local Capital One branch to deposit the check. I asked about how long it would take to clear and they informed me it would be the next business day! ( Great! ) Well, next business day rolls around and the check was placed on a mandatory hold for 5 business days. Now, this wouldn't be so bad. But on top of the hold, they completely disabled my Debit Card. I couldn't make purchases or even transfer in/out money. So, queue a 5 hour call with Capital One. They were trying to call the issuing bank but apparently they couldn't verify the check with them for some unknown reason. They " claimed '' to have unlocked my card during this process, but it never happened. I called back the next day to maybe get different information, and well, I did... This new representative told me there was nothing they could do until the 5 day hold was released. ( I was fuming with them, at this point. I had wasted 5 hours of my time on the phone with them for no reason. May I add, the CSR dude I was speaking with had CHICKENS in the background and I could HARDLY understand a word he was saying. ) Well, with nothing to do I stood by and waited until yesterday ( tuesday XX/XX/year> ), and the check had cleared! ( yay! ) Or so I thought. My card was still disabled, so i had to call back. Queue another 30 or so minutes on the phone with their CSR. She unlocked my card and that was that. Cool. ( Again, so I thought ) This morning I wake up and I was going to sit down and start paying off some debts, paying for my classes, etc. 

I opened my account and noticed I had an alert saying I needed to call customer service ( AGAIN!! ) Admittedly frustrated with them at this point, I called anyway. Now my account is under further review AGAIN! When I asked the time frame, they were unable to provide this. 

What in the world are my options?? My car insurance is due in XXXX  days, and if not paid, will be cancelled. I can't use my debit card, I cant use the ATM, is this something I should go to a lawyer for? Try to get a supervisor? ( This was totally unsuccessful last week when I tried to get someone higher up ) I've received absolutely no communication from the bank on WHY my funds are being held for a second time.
Product: Credit card or prepaid card

In XXXX of 2011 I filed chapter XXXX, i had a secure credit card with Capital One for {$500.00}. I had a XXXX  balance when i filed for protection under the XXXX. Capital One Closed my account and when i called them to verify the closure of the account they said that they would refund my Deposit of {$500.00} after my XXXX concluded. 
My XXXX has concluded and when i contacted Capital One i was informed that the only way for them to refund my money was to have the Trustee or my Attorney write a letter and request the refund. 
When i asked why i was never given an acceptable response other than " company policy. '' Now i will need to pay my attorney to write a letter and the cost will probably be half of the deposit refund. 
although i can provide Capital One with the court docket showing the Filed and Entered statement as Chapter XXXX is closed they would rather make it more difficult to get my money back. They charge 29 % interest on the money i would use but i wrote them a letter asking for the same interest that i would have paid them included in my refund. 
I am writing because i am tired of these companies taking advantage of consumers and by having the CFPB investigate and publish this accounting there just might be one consumer that will close the account and request the refund, or have it paid to the trustee as an asset. The card was listed on my creditor list disclosure however the balance was XXXX so there was no liability. 
The reason for the Chapter XXXX was to stop the foreclosure process on my home, i had requested a workout from the lender, XXXX XXXX XXXX, but they refused.
Product: Vehicle loan or lease

Ally Financial Has Reported numerous times that I was late on my payments and that I was actually not late on. The last of which is at the end of XXXX and the beginning of XXXX. The first initially happened because their website where I usually make payments was down. I traded the vehicle into XXXX and the debt was paid free and clear but Ally financial still reported that I was late on the car. This is not in accordance with the FCRA regulations.
Product: Mortgage

I have had a home equity loan with USAA for about 10 years. Durning that time I have made the agreed monthly payment plus a separate payment ( {$200.00} ) that was applied to principle only. This worked fine until USAA transferred the administrative tasks to XXXX XXXX  in XXXX of this year. Since then XXXX has taken out interest first then applies the remainder to principle. I have called USAA a number of times to resolve this only to be told they will get back to me by the next day, this has not happened. I have also called XXXX and was told by them that USAA has directed XXXX not to process the loan in that manner. I was also told by XXXX that they will send me documents to clarify my loan, this has not happened. 
To support my claim I have : 1. email from XXXX 2. Bank and loan statements from USAA 3. Loan Statements from XXXX I have not attached these documents as they contain sensitive information you stated such not be include in this submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized inquiries on my credit report. Someone else must have applied in my name and according to the Fair Credit Reporting Act these unverified & unauthorized inquiries must be removed immediately. 

XXXX XXXX XXXX  XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 -XXXX  XXXX XXXX  XXXX- XX/XX/2020 2020
Product: Student loan

I received multiple calls from EdFinancial and they never left any message or sent me any written correspondence regarding the reason for the phone calls. They called me on XX/XX/22, XX/XX/22, XX/XX/22, and XX/XX/22. 

I did speak to a representative on XX/XX/22 and they informed me they received my IDR application ( I recertified my income as I've been on IDR plans for awhile now ) and suggested I ask them to cancel my application to keep my payment lower. I was hesitant, but was assured that my recertification wasn't due until next year because of the president 's student loan pause. I received written correspondence that we discussed canceling my IDR application. I have no way of seeing what repayment plans I'm on or recertification due dates in EdFinancial 's portal. I'm completely in the dark it's totally unacceptable. 

I now show a payment due, but never received a statement. I have included a screen shot of the balance claimed that I owe, the fact that there are zero statements available, and all document received in my inbox to date. I shouldn't have a payment due. The president extended relief. Furthermore, how would I have known since I wasn't provided with the minimum appropriate documentation? I just happened to login. 

I believe I'm deliberately being provided with false and misleading information by EdFinancial.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXX To whom it may concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. The unverified items listed below remain on my credit report in violation of Federal Law.

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly. 

Who in your company verified these accounts? 
How did they verify them? 
Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. 
Include the documentation that was used to verify the dispute. 


You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 

Delivered in the presence of : XXXX XXXX
Product: Credit card

On Sunday XX/XX/year> I made a purchase at XXXX  for {$690.00} using my Citi card and I received an email receipt for that purchase ( XXXX ORDER # XXXX Thank you for your purchase! ). Upon receiving that receipt I clicked on the attached link " View your order '' and the title of that page is " No longer available '' the site says " the link you followed is no longer available. '' I immediatetly opened a support ticket with the web hosting service of the merchant, XXXX XXXX Support Ticket # XXXX, and their reponse was " I would like to clarify that XXXX is a website and shopping cart service that some merchants use to run their online stores. We do not manage the shipping or sales of any stores. We don't manage any of the day-to-day operations of any merchants or operate on behalf of any merchants. 
If you have exhausted all avenues to contact and resolve your concerns with the merchant directly, I encourage you to reach out to either your bank/credit card provider or XXXX depending on how you paid for your order. This is because most banks have built-in security measures to protect you as a buyer and they will be able to provide you with the appropriate next steps. Your bank/credit card provider or XXXX will truly be in the best position to help provide you with further options regarding your payment and possible refund options. '' I have attempted to email the merchant many times and have never received a response, and still 3 months later the merchant store is still unavailabe. 

On the XXXX XXXX  the ORDER # XXXX is still stuck in the Ordered phase with Not Shipped and Not Delivered. 

These documents have all been uploaded to this dispute however with no human response from Citi on the dispute other than a letter that states " We may be able to assist you if you provide us with a documentation showing the merchant agreed to credit your account. If you are unable to provide this, you will need to seek other means to obtain credit. '' It seems obvious that there is blatant miscommunication or that this is not being handled by a human... I can't make it any clearer that there has been no response from the merchant EVER yet the investigator states that they are waiting for documentation from the merchant...? 

The dispute was originally completed in favor of the merchant somehow which 100 % must be a mistake made by Citi. 

We must appeal this or assign this to a new investigator. 
The merchant had disappeared instantly after making the purchase, other than the receipt there has been no contact, no updates, no tracking, and no delivery of anything. 
All of the docoumentation shows that yet for some reason the Citi investigator keeps resolving the incident in favor of the ( non-existent ) merchant.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I got a message from a number claiming to be Wells Fargo, detailing that someone had committed fraud on my account. This number was XXXX. Upon answering NO to if it was an authorized transaction, I got a phone call from what appeared to be Wells Fargo from the caller ID. I heard the automated Wells Fargo message and was connected to a representative by the name of XXXX XXXX. He explained that in order to secure my account, I needed to transfer funds to myself. I transferred {$3500.00} as well as {$500.00} for a total of {$4000.00}. Once I had realized what had happened, I brought this up to my bank. I had an understanding that due to Regulation E, customers were still entitled to a refund or compensation even when tricked to give personal information. They have denied my claim, even though after reaching out to others, I found out that a similar scam happened to a friend using XXXX and was able to get his money back in a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to report a severe identity theft incident stemming from a data security breach involving XXXX XXXX software, impacting me as a subscriber to XXXX XXXX of California since XX/XX/XXXX. This breach has led to a global compromise of personal information, severely jeopardizing my safety. 

The breach exposed sensitive data, including my social security number, account number, banking details, credit and debit card information, date of birth, health insurance, provider name, prescription details, and other personal information. Subsequently, this breach has affected my social media accounts, credit accounts, and billing accounts. Furthermore, I have discovered unauthorized debt collections on my account that I had no prior knowledge of. 

This incident has not only compromised my financial security but has also caused distress and uncertainty about the misuse of my personal information. I am taking immediate steps to mitigate the impact of this identity theft, including working with law enforcement, financial institutions, and credit bureaus. Additionally I've reported this incident with the FTC Identity Theft service and have attached documentation that supports my claim. 

Upon learning of this data breach I found the following inaccurate damages to my credit report that should not exist under the law 15 U.S.C 1681. 

THE ACCOUNT BELOW ARE NOT ACCURATE AND ARE THE RESULT OF MY INFORMATION AND DATA BEING BREACHED XXXX XXXX Balance {$350.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$620.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance {$370.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Balance {$420.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$120.00} Balance updated XX/XX/XXXX XXXX XXXX Balance {$630.00} Balance updated XX/XX/XXXX XXXX XXXX LATE PAYMENT XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3200.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$2200.00} Balance updated XX/XX/XXXX I request prompt intervention and investigation by the Consumer Financial Protection Bureau ( CFPB ) to address the implications of this breach and to ensure that appropriate actions are taken to prevent further misuse of my personal information. I appreciate your attention to this matter and look forward to a swift resolution.
Product: Money transfer, virtual currency, or money service

I was requested by a XXXX XXXX XXXX an amount of {$1500.00} as deposit for a rental apartment in XXXX. This amount was sent by XXXX XXXX Zelle on XX/XX/2023. Upon arrival to the apartment, he/ she never showed up and there was no such apartment as well. I have never been a victim of such a scam. A previous payment to XXXX ( @ XXXX ) to the same person of {$850.00} was refunded by XXXX. This was part payment to the same rental. 

The Zelle payment is being denied by my bank XXXX XXXX as " nothing they can do ''. 

Claim : XXXX Zelle Transaction ID : XXXX The name in the lease is XXXX XXXX. Payment was requested by a XXXX XXXX XXXX
Product: Student loan

I have not been able to lower my monthly payments or remove my co-signer from one of my loans. My private loan is serviced my Navient but I also have Federal loans with XXXX XXXX. I am struggling to make ends meet and this debt is overwhelming. 
Please help. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 XXXX XXXX
Product: Debt collection

I had a judgment against me the judgment was not re certified and recorded at the 10 year expiration. I filed a motion to dismiss with prejudice on XXXX XXXX, the judge signed the order dismissing the case with prejudice on XX/XX/year>. A Motion to Continue writ was filed in my case on XXXX XXXX and the Judge signed the Order Continuing Write on XXXX XXXX. This Motion was filed by O & L LAW GROUP, XXXX XXXX XXXX XXXX. 
According to the FDCPA this is a violation because it means attempting to collect on a debt that has been already definitively ruled can not be collected
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I sent XXXX, XXXX, and Experian a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue
Product: Debt collection

I was contacted by Williams & Fudge on XXXX XX/XX/2023 in reference to alleged debt owed, I stated to the representative that this account had already been resolved and there is no reason for them to contact me on this matter. The representative stated that regardless of it being resolved previously this amount is still owed. I asked if i was intended to pay this amount that was previously owed and resolved and the representative responded with yes, I would have to pay again for the alleged outstanding account. I asked them to provide evidence that this account was not resolved, and I would be retaining a Lawer on the matter. The representative responded, " come on what lawyer are you going to get, who is your lawyer ''? This type of behavior is a form of harassment commonly reported in association with this company and is a form of intimidation and ridicule intended to be used in predatory tactics..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I submitted a complaint to both equifax and XXXX about fraud account inquires in my credit report i even submitted a police report showing ive been dealing with this problem.
Product: Checking or savings account

I'd like to file a complaint against Citibank for closing down my Savings account XXXX on XX/XX/2019 based upon an overdrawn status. The negative balance of {$59.00} were all service fees billed by the bank during the past two months due to XXXX balance in the account. 

When I opened the account with Citibank Online on XX/XX/2019, I did NOT believe the account was fully opened and therefore no initial deposit was made to the account. Because I had neither full access to online banking nor any mail correspondences from the bank I could not see the status of the account. However on the statement dated XX/XX/2019, I did notice two fees were billed to my account : {$25.00} Monthly Service Fee, and {$34.00} Overdraft Fee. This resulted in a negative balance of {$59.00} which had turned my account into overdrawn status. On XX/XX/2019, a letter arrived stating that my account was closed because of the negative balance and I am still responsible for paying the overdrawn amount or Citibank may take adverse action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor is reporting incorrect information on my credit file. The credit bureau has a copy of the correct information but repeatedly refuses to update the correct information because I am a XXXX.