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

On XX/XX/2022 I made a deposit on my XXXX XXXX XXXX. Account at Truist Bank for XXXX {$32000.00}, Account No. : XXXX, this funds are on hold until XX/XX/2022 even though these checks where withdrawal from my client 's bank account on XX/XX/2022, on the other hand Truist is charging me three overdraft fees of {$36.00} that makes the total amount of XXXX {$100.00} according to them " OVERDRAFT FEE ''. I do not understand how this financial institution are operating above all laws and regulations, if this is a legal financial practice please let me know and if not please take action to protect the American people from this financial monsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I the consumer notified Transunion about the fact that I was a victim of Identity Theft and submitted the required documentation required by law, However Transunion received the documents and failed to block the UNAUTHORIZED ACCOUNTS from the consumer file within ( 4 ) business days. TRANSUNION DECIDED TO MAKE A FALSE STATEMENT CLAIMING THE ACCOUNTS WERE " VERIFIED BY THE CREDITOR AS ACCURATE '' Transunion is claiming the accounts are accurate however XXXX AND XXXX also conducted an investigation and concluded that the accounts were in fact UNAUTHORIZED and blocked them from their consumer file. 

After contacting Transunion and speaking to agents like XXXX for over an hour on the phone ( Proof in attachment ) I was told that the information would not be removed because it was " FACTUAL '' and that the only person who can report or remove information about me was the " FURNISHERS '' because TRANSUNION doesn't control any of the information on THEIR company consumer report. I continued by asking for the investigation procedures only to get disregarded and the phone hung up on me. 

Transunion is taking a severe advantage over me as a consumer due to their VITAL role which they ASSUMED in reporting this GRAVE information that is UNAUTHORIZED and does not belong to me with no consent. When I asked about my PRIVACY they said they had no OBLIGATION to it and that they simply report whatever the " FURNISHERS '' tell them to report. 

Transunion is now Knowingly and willfully non compliant because they are failing to adopt reasonable procedures in maintaining my consumer file. My privacy has been invaded and Transunion has failed to protect my confidentiality regarding my non public information. Transunion has failed to be impartial, fair or Equitable to me as a consumer and continue their misconduct. 

Transunion misconduct is negligent and has caused me irreparable damages both mentally and financially, due to Transunion unlawful conduct I am suffering severe stress and financial loss. I am being discouraged from disputing information that does not belong to me and Transunion has made it impossible for me to enter any credit transactions to obtain goods or services under credit for personal, family or household purposes, which has in fact caused me to cry at times, suffer from anxiety and XXXX. 

PROOF OF EVIDENCE TO MY CLAIMS PROVIDED AS ATTACHMENTS
Product: Prepaid card

I have a {$200.00} Amex gift card. I have attempted to use it at XXXX, XXXX XXXX, XXXX and XXXX. Each time, it gets declined by Amex. The stores can not help and Amex just told me to use it somewhere else, however this is frustrating that it does not work at several large stores and it is a large gift card that is seemingly useless.
Product: Credit reporting

Tired to cash a check at the local casino, XXXX XXXX, about XXXX months ago. It was refused and they referred me to Telecheck. Called them and they said it was lack of information and history. They updated my file, and said any check would be accepted. Tried to cash a check last week at XXXX XXXX and it was again refused. They gave me the refusal code and I again called Telecheck. They have you listen to a recorded message about the refusal before you get to talk to customer service, which I did and then talked to XXXX of their reps. He explained that the reason the check was refused was because there was no history of cashed checks with other Telecheck merchants. 
I live in XXXX NV ( less than XXXX people ). Do you think we have loads of merchants using Telecheck? Asked him if there was any negative information -- " NO '' was the reply. So my checks are getting refused for absolutely no reason except that Telecheck wo n't let the casino accept my check. 
This was made even worse since there were people around ( people I knew from church ) who saw that my check was refused. This was horribly embarrassing!! 
Telecheck has NO negative information BUT they are stopping me ability to cash a check at the local casino. 
I talked you XXXX of YOUR reps on the phone and she instructed me to file the complaint on-line using the category " credit reporting ''. You have permission to access any of my credit information to resolve this issue.
Product: Debt collection

After noticing the debt on my credit report, I sent a Debt validation letter to XXXX XXXX XXXX. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, XXXX XXXX XXXX did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the XXXX XXXX XXXX or any attempts by the debt collector to validate the debt they believe I owe. It has been more than several months since they placed the debt on my credit report and More than 1 month since I requested validation.
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan got the car from owner just for my bank to put a hold on the check causing me losing XXXX holding fee
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 at approximately XXXX I contacted XXXX and asked them why my credit report on their site XXXX XXXX own site, did not have my consumer statement. I wanted to also find out for sure if my report could be updated " immediately '' as they said numerous times in many ways can not happen ever. Yet the comments went in right away from Transunion a few minutes before I was speaking with a representative about why they were not showing up in XXXX XXXX credit report for me. They did show up on the accurate and probably true credit report that these agencies keep on us secretly or whatever as the agent read it to me, but it wasn't on my site, I have a screenshot at similar time. XXXX is important and consumers should have all of it. 
This is over a {$18.00} 30 day overdue reported by XXXX to the agencies and subsequent charging me {$2.00} without informing me at all of this {$18.00}, the overages as they were being charged in any way or the reporting. I found out from the free XXXX report and now I am on the path to trying to right this wrong XXXX and the agencies have collectively assigned me due to their broken and unfair system to put people who seemingly have good credit, to having bad credit so we can pay more interest and pay more fees, that is stealing! They should not be allowed to do this and should remove XXXX from my credit report and any and all derogatory remarks forever. They are costing me not only personal damage but my brand new american business a lot of damage too!
Product: Credit reporting, credit repair services, or other personal consumer reports

Two rounds of dispute letters were sent to remove the inaccurate account on my credit and i haven't received a response yet
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX sent a certified letter with attachments of my credit report and copy of my state ID and Social security card to TransUnion regarding incomplete and inaccurate on my credit report and asked them to do a complete investigation making sure all accounts information are completely listed and accurate. If this could not be done I requested that and account that is missing any information or not correct be deleted from my credit files in occurrence to 15U.s.C Sec 1681i ( a ), 15 U.S.C 1681 section 604A Section 2. They responded with updates that was not fully completed information and still inaccurate information still appears in my credit file. I am not sure who TransUnion did their investigation with but to my knowledge I am aware of anyone that was contact to verify information as it states in the fair credit reporting act. Account as follows : XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX  # 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 XXXX XXXXXXXX These account are not as the investigation states accurate and fully completed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX Balance {$100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$750.00} XXXX, XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$7000.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 XXXXXX/XX/XXXX
Product: Credit card

Bankruptcy XXXX XXXX was filed on XX/XX/XXXX. Self, Inc was listed as a creditor and notice was sent. After a few days and no changes made to credit bureaus, I reached out to ask about the situation. I received an email on XXXX with a case number and letting me know that I would get a follow up " within 5 business days ''. After more than 2 weeks had past I called again to inquire. I had to explain everything over again and provided them with bankruptcy paperwork. Self closed my account on XXXX at consumer request instead of included in bankruptcy. That caused the deposit I had given them to be applied to the account balance instead of returning to bankruptcy trustee. I noticed that I still have access to the account online- now I see that I have been accruing fees, interest and Self , Inc has in asked for me to pay the remaining balance after the deposit to close/clear the balance. I have a total of 3 cases with Self. I have asked for a call back from supervisor many times. I have a missed call on XXXX. I got an email saying they had tried calling and that if I still needed help to reply to the email. I did and it was a non-reply email.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed several inquiries being reported. On the dates of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These companies that is being reported I have no knowledge of and I have been a victim of identity theft.
Product: Credit card

I am writing to formally file a complaint regarding a chargeback denial by Goldman Sachs. On XX/XX/year>, I placed an order to XXXX XXXX for {$1000.00}, and on XX/XX/year>, I received a damaged box that was missing all of my items. I contacted the carrier involved, XXXX, to report the damage but never heard back from them, and after I contacted the company about my issue, they did not understand the issue I had, and by the time they did realize, they told me they were unable to issue a refund or replacement. Unfortunately I was outside the 30 day time limit XXXX gives for a case like this, so I was eventually forced to file a chargeback on my Apple Card on XX/XX/year>. Despite providing a police report for stolen/lost property and pictures of the damaged box, my chargeback request was denied on XX/XX/year>. How are those things not sufficient evidence for a chargeback? One important thing to note is that the system used for filing a chargeback is terrible, as I was kicked out in the middle of filing it from my phone turning off automatically, and it submitted itself, which may have contributed to the issue I am now facing. Why does a chargeback need to be filed in the messages app in the first place? Clearly, there are many issue with Apple Card disputes, and I am no longer confident in using this card for any large or important purchases.
Product: Credit card or prepaid card

I discovered a atm withdrawal on XX/XX/2023 from my cash app account in the amount of {$87.00} I immediately began to look for my cash card and couldn't find it anywhere so I reported that the transaction was not authorized I believed that when doing this they had deactivated the card cause I was prompted that it was required when reporting card as stolen. Then around XXXX pm on XX/XX/2023 I received another notification of a withdrawal in the amount of {$47.00} I have cancelled the card now successfully but I can't seem to report the transaction through cash app now
Product: Credit reporting

Experian is not responding to my request to investigate and correct accounts in my credit report that are reporting incorrectly.
Product: Checking or savings account

initial contact was on XX/XX/2023for case # XXXX and case # XXXX finally after contact with cfpb they responded on XXXX XXXX XXXX gave a vague answer. after recontacting chime bank about an explanation about funds being stolen from my account unauthorized by me they gave me the round around about giving the merchant that visa gives them 30day to respond. these reps do not investigate anything at all they seem to be reading from a rehearse script and are not really aware that unauthorized means unauthorized. " We are still awaiting a response from the merchant. Please feel free to contact Chime Member Services via email at XXXX if you feel that this issue has not been resolved, or if you have additional questions or concerns. Sincerely, Chime Consumer Response Team '' I get a different answer my money still was stolen and chime plays games with its members. its XX/XX/2023 and nothing has gotten resolved. its been 4 months and nothing the CEO don't care about any consumer. they just like stealing money from hard working consumers..please help..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 60 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 60 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.
Product: Credit card or prepaid card

In the month of XXXX, 2019, I stayed at a hotel in the country of XXXX for two nights. I paid for my hotel stay using my XXXX Citibank card and by using the XXXX App. The cost of my two night stay was approximately {$260.00}. No problems so far. 

Some time after my stay at this hotel, I saw on my credit card statement an additional charge of {$1800.00} issued by the hotel. The name of the hotel is XXXX XXXX, XXXX. 

I immediately called Citibank to dispute this charge. Citibank suggested I call to hotel to attempt to find answers to the problem. I did, four times, but nobody was able to offer me any information on the charge. With that, Citibank began an official investigation. They gave me a temporary credit of {$1800.00}. 

On XX/XX/XXXX, I received a message from Citibank saying the dispute had been resolved in the merchant 's favor because the cost of the two night hotel stay was {$260.00} and I had indeed stayed for two nights. They had investigated the wrong charge! And then they removed the conditional credit of {$1800.00}. 

I emailed them back immediately, letting them know that they had investigated the wrong charge, as evidenced by the fact that my conditional credit was for {$1800.00} but the documents they had sent me were discussing a different amount. 

Three weeks later, I got a reply that they had reinvestigated a charge of ... {$260.00}. Again, they had investigated the same unrelated charge! Despite the fact I had gotten a conditional credit for {$1800.00} back in XXXX, Citibank was continuing to investigate the charge of {$260.00} for my original two night stay at the hotel, a charge that I never disputed. 

I have emailed Citibank again over this but have gotten no reply. Meanwhile, the charge of {$1800.00} continues to charge me nearly 30 % interest. 

I am attaching the 3 documents I have so far received from Citibank. If you look at them in order, you can see the absurdity of the situation at hand. 

I would be grateful for any assistance on this matter.
Product: Vehicle loan or lease

My loan payment is due on the XXXX of the month. I called XX/XX/XXXX to request a modify or to put the payments behind due to being unable to work from a XXXX. They denied it. He pushed me to make a payment. I made a payment that day. At the time I had the money in my account that was all I had. They waited 6 days to put the payments in. The payment was returned. They called me I then paid XXXX toward the XXXX then the new payment was due. I requested again for help. I have called many times 5 times to be exact. I asked for a supervisor to call me who speaks English so I can understand. It is now XX/XX/XXXX the and I have had no call. They have been calling me to make more payments. I told them to look at the notes. I asked several times why I was denied for help? He said he could not answer me. I explained my situation. I have been on XXXX XXXX XXXX. My pay has decreased. I need a few months to get caught up. I put XXXX down on the car and my payoff is the same as when I bought it 6 month ago. They said the dealer charged fees. As of now I have not been able to get answers from Capital One or have this resolved to get help. My payment is XXXX for 60 months at 11 % at the time they over charged me ineterst. My credit was very good. I have equity in the car. I don't understand why they could not defer two payments or help me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institute and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable snd raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Product: Student loan

I cosigned for some of my daughter 's loans. She is having financial difficulties and asked all her loan servicers for a forbearance all of them except Wells Fargo granted the forbearance. Wells Fargo did not acknowledge the request. I myself requested the forbearance, but again we never got a decision, they just kept hounding me. I do n't even have a job right now, and they have absolutly destroyed my once excellent credit. On 2 occasions they just took the money straight out of her wells Fargo checking account. Bad choice to choose wells Fargo for her student loan.
Product: Checking or savings account

I had an account with PNC. Back in XXXX XX/XX/XXXX PNC charged off {$340.00}. Stating they had closed my account. Making my account XXXX. 

On XX/XX/XXXX they reopened my account to reverse provisional credits that were issued in XXXX. Then making my account negative {$760.00}. Then then charged off the {$760.00} on XX/XX/XXXX making my account XXXX balance. Who has then stated and I have documentation the account is CLOSED. 

They sold the debt to a third party who has been contacting me saying I owe them over {$1000.00}. I also have the company I disputed with that I originally received the provisional credits for saying I owe them the money for the credits which I never received and were reversed from PNC. 

Fast forward to XX/XX/XXXX. I transferred a XXXX XXXX deposit to my bank which at the time was changed. I believed it was going to my debit card as all my other XXXX XXXX deposits do. It was accidentally sent to PNC. Keep in mind this account has been closed since XXXX and I still have the debt collectors whom PNC sold the debt to still contacting me. I notified PNC who at first said they would send it back. After a week goes by I call them back and they stated I owed them money and they are keeping it. The account is closed. No deposits should be going through. I asked for updating documents stating they received this amount and reflecting from the new debt collector, I received nothing. I told them they sold the debt that it is my money and needs to be returned, I received nothing. I only received a copy of statements reflecting a XXXX balance and charged off made back in XXXX. I contacted XXXX  about this. Heard from PNC in an email and by phone. I asked that all correspondence be put in writing to me as I dont want anything done over the phone. I want it all documented. I asked for my money back Im told theyre trying to figure out a way to put it in an email because they continuously tried to call me to explain to me I guess the situation, so its weird. They wont send me an email what they want to tell me on the phone, Im unable to even log into this account because its close XXXX XXXX will not do anything about it and theyre keeping my XXXX dollars. What they are doing is illegal its not right if you close my account and you sold the debt, nothing shouldve gone in that account. My taxes didnt even go in that account. The account is closed. I tried to withdraw the money from the PNC account to my new bank account. It said it was closed, somebody needs to help me because this is a scam and its not right. I now have two collection agencies contacting me for the same thing someones not communicating with somebody and theyre stealing money please help.