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

I deposited a check in my bank account for XXXX XXXX .. it was a check from my compensation department for an injury I suffered on my job. The job has been frozen and my account has been closed and no one will tell me why.. They wont return the money from my account and are telling me its not my money and that the check was a fraud.. I have XXXX XXXX and change in my checking and XXXX XXXX and some change in my savings.. The check cant be a fraud because I work for XXXX local XXXX electrician union.. PLEASE HELP my rent is 3 months backed up now and my credit cards are falling behind I need my money back
Product: Money transfer, virtual currency, or money service

XXXX transfered me {$2600.00} XXXX XX/XX/2024 on my credit card Wells Fargo Vis No : XXXX XXXX XXXX XXXX I called customer service in wells fargo asking to cash the amount because I need to pay my mortgage for XX/XX/2024 Customer service notified me that I can cash my money AFTER ONE MONTH FROM TRANSFERE DATE!! 
I objected and filed complaint to customer care justifying that since you have the money already in my account, and my account with you in good standing, don't owe you anything so there is no reason to freez my money especially I need it for paying my mortgage. 
The representitive got my account information u=n XXXX to transfere the money. 
I keep check my account to see their deposit which they never transfere I called to check the situation SEVERAL TIMES every time I get an answer from very LAZY voice from wells fargo representitive which every time says they need more time. 
XXXX and XXXX are 2 representitive that I felt they don't know any thing about anything and they threw responsibility on each other ( Please aske for the record of calls to see what kind of customer service this bank provide and what kind of employees they have ) Today is XX/XX/2024 at XXXX XXXX  and I still can not get my monet. It is even more than a month. 
On XXXX I borrowed money to pay my mortgage On XXXX I borrowed money to pay my mortgage. 
WHY DO I BORROW MONEY TO PAY MY MORTGAGE AND I HAVE FROZEN MONEY WITH THIS BAD REPUTATION BANK AND IT IS HOLDING MY MONEY WITHOUT ANY REASON AND WITHOUT ANY EXPLINATION. 
i AM RESPECTFULLY ASKING YOU TO HELP ME GET MY MONEY AND CHARGE WELLS FARGO A FINE OF THE SAME AMOUNT THEY HOLD WHICH IS {$2600.00} WITH TOTAL OF {$5300.00} AND MUST PAID IMMEDIATELY Thank you
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 

I initially brought this matter to your attention, and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : XXXX a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$860.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been notified that XXXX XXXX is not my account I have contacted them and the company to let them know its not me this is the second time the same debt that is not mine is showing up on my record.
Product: Checking or savings account

I opened a promotional checking account with HSBC in XX/XX/2018.. after meeting the requirements on the promotion website. HSBC is yet to pay me my bonus of {$200.00}. 
I spoke to three differents customer service but none of them are helpful and they keep telling me different things. 
I think HSBC promotional checking account being advertised is a scam because my bonus was not credited which forced me to close down the account, coupled with customer agent 's not doing their job well.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Bank account or service

Over 2 months ago USAA put a security freeze on my account. I have called in a total of 5 times concerning this, and the last 2 times, they have said the issue was resolved. I still can not login to USAA.com " for security reasons ''. I just want my accounts unlocked at this point so I can move them out of USAA and to a better, more responsible bank.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns using zelle and their handling of disputes, particularly in light of th CFFB lawsuit that highlights significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, XXXX and my financial institution failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFFBs findings that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card

I purchased flights from XXXX ( XXXX ) to XXXX ( XXXX  ) and then XXXX  to XXXX XXXX ( XXXX  ) on XX/XX/2024. The flights will be on XXXX XXXX. I made the purchase using points and cash through American Express ( AMEX ). On or around XX/XX/XXXX, I asked to make a schedule change after I closed my card. Now I'm being bullied around by the company and I can not make the change.

Originally, when I made the change request, I tried making it online at XXXX XXXX ' website. It would not allow me and told me to call AMEX. So I did. They told me they could not help me and to call XXXX. So I did. A rep from XXXX  told me they could not help me and told me to call back to AMEX. So I did. On or around XX/XX/XXXX, an AMEX rep created a case saying I'd need to pay {$50.00} or so to make the changes. She said someone would call me back to finalize the change. But it never was resolved. I'm now about 4 hours into being on hold from various phone calls and starting to get frustrated.

I had a friend offer to use their AMEX card so I could pay to make the change. I called AMEX on XX/XX/XXXX for another 61 minutes. They said they can not take my XXXX card ( or any non-AMEX card ), they will not let me mail in a payment, and they will not let me use an AMEX that is not in my name. I asked them how to make the change. They said they could call XXXX XXXX back and see if their answer changes. This time, they told me I have to drive down to the departures gate at my local airport and have them make the change. I'm now 5 hours into calls. 

So on XX/XX/XXXX, I drive to XXXX  and spend another 3 hours in travel and time there. At the airport, I am told they also can not help me. I paid {$9.00} in parking fees and am now XXXX hours into figuring out how it's possible to make flight changes. I've tried using my money, I've tried using a friend 's card, I've tried mailing money, I've tried driving to the airport. How is it possible to make this reservation change? The agent at XXXX XXXX recommended I file this complaint as he said he can not think of any other workaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Transunion. I am trying to secure a VA home loan through a 3rd party ( XXXX XXXX ). I have been informed that my credit score with Transunion, XXXX, and XXXX are high. The underwriters at XXXX XXXX noticed on a hard check credit report with Transunion that the special messages section of the report claims " input SSN is deceased ''. The underwriters will not consider a loan unless the discrepancy is corrected. Speaking with Transunion by phone, I was told, by two different agents, that on their system I am not listed as " deceased ''. When my lender or I pull up the hard credit report through private and company systems online, my report claims I am deceased. This discrepancy has stopped my loan process. I have posted a consumer statement to my report in my account with Transunion. My time on the phone with this company on XX/XX/ was about 4 hours in all with no adjudication achieved. Over the phone I was told that the errant report would be replaced with the current report on their system. As of today, XXXX here in Tennessee, the errant report remains on my report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at approximately XXXX, I visited XXXX XXXX United Bank drive through ( the closest to me ) to send an international money transfer of {$5000.00} to XXXX XXXX the money was needed for my late XXXX XXXXXX/XX/XXXX funeral, they stated availability date on the receipt, was XX/XX/XXXX, but up till today ( XX/XX/XXXX XXXX, the money was never received, I have tried working things out with the bank but to no avail. 
On XX/XX/XXXX, I reached out to the branch manager to get a tracking for the transaction, I was told it cost {$50.00} which I was ok with but I never got the tracking requested, then a few days later I demanded a refund and was told that the receiving bank will charge {$35.00} and till date I have not gotten my money back. 
I have been going back and forth with United bank since then, when I call they say they will reach out to their wire department and let me know but I never hear back from the bank until I call them and they give me the same story, like a loop. 
On XX/XX/XXXX, I received an email from the XXXX XXXX branch assistant manager that the money was confirmed to be credited to the beneficiaries account on XX/XX/XXXX and was asked if I still wanted it recall and I said yes because the funeral was already done, I also reached out to the beneficiary and he confirmed the money was not there, I reached back out to the branch to get proof of remittance and got nothing back. I even gave them the receiving bank contact information because they claimed they could not reach them ( I mean I got the info from XXXX and they could have gotten it too if they tried ). 
I also received an account closure mail on XX/XX/XXXX from my branch in XXXXXX/XX/XXXX that they've elected to close my account, I called to ask why and I was told that it is because I don't buy groceries, gas etc like everyone else with that card thus they see me as high risk, I then asked about the pending international wire and the manager said that the bank has been forthcoming from the beginning that the information used was incorrect ( I did double check with the beneficiary and it was correct ) then I asked why he didn't say anything when I called him XXXX XXXX 's branch ) before to complain about the issues with XXXX XXXX branch and he said because you did not send it through my branch. They also ended up not closing the account. 
After over six months of calling customer services and dealing with two managers and two assistant managers, United Bank has failed to deliver, track/trace or recall the {$5000.00} sent since XX/XX/XXXX. 
If you bank with or are thinking about banking with United Bank ( www.bankwithunited.com ), please save yourself these headaches, do not wire money with them!
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$650.00}
Product: Mortgage

My most resent issue is XXXX XX/XX/year> I processed a payment to Lakeview XXXX for what was due on XX/XX/year> They received the payment and credited it to my XXXX. Then the same day of XX/XX/year>, they themselves through my account processed XXXX more payments. These payments bounced out of my checking account but, because of this, it caused the online account I have to show my next bill due was XX/XX/year>. So, I ( under the impression, thinking XXXX payments were made ) asked for a refund for XX/XX/year>. 

Come to find out, I didn't make a payment for XX/XX/year> and they processed a refund for XX/XX/year>. 

Now why would I ask for a refund for a payment I already made for what was due this same month?? Why would they just move my refund request for XX/XX/year> to what I already paid, at the start of XX/XX/year> and what was already credited to my loan?? 

I also NEVER RECIEVED this refund. And I have filed XXXX urgent requests to their " XXXX XXXX XXXX '' showing them the bank statements that they requested, to prove I did not get these refunds. And they now say, NO payments were EVER received. So, I have XXXX $ totally unaccounted for towards my Loan and that same XXXX $ is missing from my Checking account. 

I had a different mortgage provider when I initialy financed my home, and I have had CONSTANT issues since Lakeview XXXX purchased my Loan without my consent over 1 year ago
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I filed a dispute on my credit report. Showing inaccurate and unauthorized accounts and inquiries.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.The particular account LVNV FUNDING LLC position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request again to address the inaccuracies on my Credit Reports. I received a letter from CFPB on XX/XX/2022, that TransUnion Credit Bureau closed my complaint to protect my PRIVACY. I called the TransUnion Credit Bureau after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were : XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XX/XX/2022 ; on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior request and I'm including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Student loan

Have been making payments to Navient for years and recently I was XXXX  for 4 months but receiving XXXX  benefits. I tried to continue payments however, had to stop to ensure basic household expenses were paid. When explaining this to Navient they said that was unacceptable and needed to find a way to pay or they would start legal proceedings against me and sent a letter stating that. Ive tried to explain that when I first started re-paying the loan it was more than {$10000.00} and after a few years of repayment, its still over {$10000.00} with no headway. They said it has to do with the interest rate, which I understand but at the rate of repayment, it would take more than 15 years to pay off. They call 5 to 6 time per day with the same message, when can we expect payment. I also explained, I just started with a new job that doesnt pay as much as the last and its state government and we get paid once per month and dont have the extra funds to make a payment in the middle of the month but if the payments could be a little lower I could pickup the payments. To them thats unacceptable and dont have any other means to pay. They continue to ask about my co-signer and she passed away on XXXX  and cant help. I know I owe the money and will pay but something has to give.
Product: Checking or savings account

XXXX sent me a letter on XX/XX/year> stating they were closing my account and any funds in my account would be mailed to me in the form of a cashier 's check. I called XXXX to get clarification and was advised a check was mailed to me. When I did not receive any check I called back and was informed my funds were sent to unclaimed properties.
Product: Consumer Loan

I am a XXXX single women living on a fixed income. 
I took out a title loan with Title MAX for {$3200.00} in XXXX of 2014. I understood that I would have a payment of {$410.00} each month until I reached the total {$3600.00} which was the loan plus interest. 
After XXXX payments of {$410.00} each month or {$3300.00} I still owed {$3200.00} of principle and another {$410.00} of interest. 
When I realized that the payments were only fees I asked the women at Title Max " do you expect me to pay this every month and not pay off the loan ever? If I had been told that I would have never taken the loan. " In the first week of XXXX I had an accident that totaled my car. Now Title MAX wants to keep {$3600.00} from my insurance settlement. Which means that I will have paid {$3700.00} for the loan which I had for less than a year. 
Now that I know how the loan was structured I have come to realize that Title MAX gave me the loan so they could get my car from me. 
Now since they are taking {$3600.00} from my settlement I will have only {$400.00} left and will not be able to replace my car.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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

XXXX  COLLECTION AGENCIES KEEP CALLING MY DADS CELL XXXX TIMES DOCUMENTED. ARE ILLEGALLY REPORTING XXXX XXXX TO ALL CRAS.
Product: Credit card or prepaid card

Card was used fraudulently to make purchases on XX/XX/2019. One charge was blocked automatically by card fraud detection, however, 3 other charges were allowed that were not authorized. 

A fraud claim was submitted for these 3 charges and a  temporary credit was applied, however, these charges were not approved and were put back on the account on XX/XX/2019 with explanation " - We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' As explained to company, the replacement card issued was never received and was likely stolen and used for these transactions. However, no these charges have not yet been credited and company appears to not have adequate security practices for replacement card use and makes fraud claims difficult to settle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has appeared on my credit report as of XX/XX/2019. I have never had any dealings with this company. 

Validate Account XXXX Account Number : XXXX