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

Today on XX/XX/XXXX, I received my paycheck via direct deposit of XXXX. I only received XXXX. Then when I checked again I only had XXXX. I had pending transactions that were covered by a {$50.00} money order that I put in my account on XX/XX/2023. The money order cleared the next day on XX/XX/2023. This morning I went to XXXX and paid {$19.00} because I had $ XXXX in the bank and knew that I would have a tiny overdraft and that my paycheck would come in after XXXX today. So when I checked my account earlier it said that I was overdrawn by {$13.00} something and there were no pending transaction listed because everything was already cleared not pending. There were pending transactions of {$62.00} dollars. {$50.00} of that was already cleared and covered by the {$50.00} money order. The remaining balance should have been {$13.00} something and that is all. So I should of had {$1300.00} deposited into my bank not {$1200.00}. XXXX took {$53.00} dollars out but that is correct. Someone miscalculated my direct deposit and is acting like I never had the {$50.00} dollar money order in the bank at all. That is where my missing {$50.00} dollars is and I need it back asap. I am a single mom of XXXX  and I need all of my money. I called Citizens customer service line and the lady on the phone was no help at all. She kept getting confused and she did not know why my account was missing {$50.00} dollars. Then she put me on hold and when I asked for a manager and never took me off hold. I just need my {$50.00} dollars back because my account was in good standing until this morning when I paid for breakfast for my mother who did not have any money and was very hungry but that would have been only - {$13.00} something in that is all. Please help.
Product: Credit reporting or other personal consumer reports

There is inaccurate personal information on my credit profile such as phone numbers and names.
Product: Credit card or prepaid card

XXXX XXXX engaged in unethical behavior by canceling my lowes card for false reasons. 
On XX/XX/2018 I received an alert on my credit report that's account of mine was closed. Having not initiated this closure immediately counted lowes credit service. They told me it because a had delquent accounts. Well I called them out on that because I knew I did not have any. Well I was put in touch with a XXXX in the excutive offices he was no help and did not even try to help he was oh well. I was then contacted by a XXXX in the excutive offices she sounded like at first she wanted to help. She told me she would send it up to her risk management team and they would pull my credit again and make a decision, just Incase there was an honest mistake. Being humans a mistake was possible so I'm like ya go a head she the told me it could be 7-10 days before they know the out come. So when she finally found an answer she was like sorry we can not pull credit again your just out of luck. So I then was put in touch with XXXX boss who told me if I get I copy of credit report and it showed no delinquencies she could get it reopened for I did that and there are NO delinquencies on it. Anther hoop synchrony wanted me to jump through that I did and it was not go enough. She finally said she could not help me and would have the VP of synchrony help me. Well the VP called and offered no help at all. Then I was put in touch with XXXX and he tried to tell me that XXXX XXXX reported my credit card late so immediately called them and guess what they no. Even provided me a letter to prove that the info synchrony got from XXXX was in correct. Still did not help. I honestly believe that some where along the line an honest mistake was made and they have gone above and beyond to cover it up. Have also been waiting for someone to call for over 3 wks to settle the account they closed for fraudulent reasons. Also I have attached the letter stating the account was closed for delinquent accounts and my credit report showing XXXX delinquencies. Also attached is the letter from XXXX XXXX stating that did not report any delinquencies in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I WANT WRITTING TO DELETE THE INFORMATION FROM MY FILE. THE ITEMS I DELETED ARE LISTED IN THE REPORT I AM A BIG TEAM OF IDENTITY THEFT AND I DID NOT MAKE THE CHARGE. I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRAY, COMMISSION IDENTITY, THEFT, AFFIDAVIT. PLEASE DELETE THIS ITEMS ASSOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed accounts below. These accounts were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the accounts removed from my file. 

( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX )
Product: Mortgage

Due to circumstance beyond my control I have been in default on a mortgage with US Bank since the Fall of 2012. Since this time I have been working earnestly with US Bank to find a solution which would allow me to stay in my home. I can afford a mortgage at a lower rate than I had previously, but all the bank will offer is a much higher rate with a 40 year term ( I will likely be dead at this point ). During this period I have also attempted to sell the home unsuccessfully either as a short sale, or for an amount that would satisfy the outstanding US Bank Debt. The process for resolving mortgage issues is laiden by a XXXX XXXX bureaucracy that is incomprehensible which, rather than providing affordable solutions to struggling home owners, forces them into greater debt for longer periods of time. Qualification for the HAMP program is also a puzzle - I initiated my loan prior to the cutoff date, but now am being denied consideration because I modified the loan after the cutoff date. Any banking official with a reasonable IQ can understand that it is in the bank 's interest to create a mortgage agreement on a 30 year term that I can afford ( I can afford {$2200.00} with taxes and insurance ), rather than force me into foreclosure and lose money on the house after it sits unmaintained and uninhabitated for a long period of time then sold on the auction block - yet I ca n't get a decision maker on the phone to see the logic in this.
Product: Debt collection

LVNV Funding Acct # XXXX Date opened XX/XX/2016 or XX/XX/2016 ( depends on which credit report bureau ) $ XXXX $ XXXX {$720.00} ( depends on which credit report bureau ) The only reason I found out the accts were on my credit report was the fact I applied for a small business loan due to covid. I was surprised since I don't have a lot of debt. 

I immediately pulled all three credit reports to find out why my score was so low. At first, when I disputed the accounts with the bureaus thinking it was my old XXXX XXXX account and a debt collection co. purchased from XXXX XXXX acct. which I knew was too old to be reporting. Well apparently it isn't a XXXX XXXX account. Its some off the wall bank. 
I ended up googling the companies and finding out it is actually a bank and a debt collecting company on behalf of that bank. 

First of all, I have never heard of that bank and most definitely did not open any bank account. What is strange is I have never been contacted by either companies by any means of communication to ask for payment. I have had the same phone number for 22 years and lived at the same address for 7 years. I have requested information be provided as to when the bank acct was opened, who opened the account and where this took place, any executed agreement reflecting my info and signature, details on the debt like when and what was purchased for either $ XXXX {$720.00} or {$720.00}? and why haven't they contacted me. All three credit bureaus have different information. One states that this company is a factory???? Did I buy something there? If so, please provide actual proof that they have the right XXXX XXXX. This wouldn't be the first time this has happened but usually the bureaus remove it right away since it isn't the correct XXXX XXXX. Please look further into this. After they realize I am not the owner, please have them remove it from the Credit Report Bureaus as this is affecting my loan status.
Product: Credit card

They charged the account off, sold the account to a collection agency, and then bought the account back. Now they are saying they don't have the account and refuse to accept payments. 

I've been contacting them and the collection agency since XX/XX/year>. In the process, this is just sitting on my credit report and I'm trying to purchase a home.
Product: Credit reporting or other personal consumer reports

My TransUnion credit score was lowered by XXXX points. I have reduced my credit utilization, have had no adverse actions and have not opened any new accounts. The activity seems arbitrary with no explanation. Over a month ago I paid down a revolving credit line which should improve my score but the balance still shows up on my credit report. It is way past the closing date and TransUnion claims my accounts are checked daily. Interestingly I used another account to charge a small amount and my credit score was reduced again before the payment was even due. The account has a {$20000.00} line which I only used {$600.00} of and my credit score went down. It seems they pick and choose what data they want to use to determine the score.

I want to see all of my current credit balances reflected on the report and if my score decreases I want to know why.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX THE INDEPENDENT BANKER XX/XX/XXXX CITIZENS BANK XX/XX/XXXX TROPICAL FINANCIAL XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICES XX/XX/XXXX XXXX BANK XX/XX/XXXX XXXX BANK DELAWARE XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

I have tried XXXX times to complete a credit freeze with TransUnion after I was notified by XXXX of my credit card companies that my SSN was found on the dark web following the massive data breach. I attempted this XXXX  over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with XXXX and XXXX over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other XXXX companies, but less than XXXX hours later, I received XXXX spam calls in XXXX hours, which is extremely unusual ( typically XXXX per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax is continuing to report XXXX allege collections that they claim have been verified as belonging to me but they failed to provide any evidence to support their claims. I have repeatedly asked with whom they spoke with or provide the documentation so that I may contact this person or follow up with them about the documentation because I have received no notices for me to dispute this information. Furthermore these collections are illegal as I have no contractual obligation to these companies and they have not received any court orders that compels me to pay these collections.
Product: Credit reporting or other personal consumer reports

PNC BANK account # XXXX balance {$13000.00} opened XX/XX/year> I XXXX XXXX XXXX did not authorize anyone to open this account I have no knowledge of this account I have contacted PNC several times was told they can not locate an account with my name with ssn nor the account # referenced above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I tried multiple times to temporarily unfreeze my credit report at Experian throught their online portal as my husband and I are refinancing our home. I received a mesage that they couldn't process my request online and that I'd have to submit a significant amount of documentation via the U.S. mail to obtain a PIN to then be able to unfreeze my report. When submitting my request online, I provided my correct PIN information and all other correct information so I'm unclear as to why Experian can't process my request online. I then have tried calling Experian about 10 times today and can not get a hold of a real person. I really do not want to have to send my SSN via U.S. mail and risk it being compromised. I unfroze my consumer report at the other two Bureaus - XXXX and XXXX  - within minutes. Experian is incredibly non-consumer friendly and makes it incredibly prohibitive to remove freezes. Now, I willl likely miss out on a good interest rate because it will now take me about two weeks to get my security freeze lifted.
Product: Checking or savings account

On XX/XX/XXXX we submitted a dispute to USAA for a charge that was made on XX/XX/XXXX in the amount of {$1300.00} to XXXX XXXX XXXX XXXX for services and the creation of an E-commerce  website. On XX/XX/XXXX we were sent a letter by USAA requesting additional information to better investigate the dispute. We sent the email correspondence between XXXX XXXX XXXX XXXX and us. We also sent dates and screenshots of the proposed E-commerce website that was not finished and the evidence of missing information, lack of prices for dresses and lack of contact information on the website. USAA presented us with a temporary credit for the amount we had paid to XXXX XXXX XXXX XXXX while the investigation was pending. On XX/XX/XXXX we were sent a notice stating that after thorough investigation of the documents sent to them by us and XXXX XXXX XXXX XXXX, they saw no errors and were going to reverse the temporary credit of {$1300.00} putting my family in a deficit for paying our mortgage and living expenses. We were livid to see that while the dispute was being investigated, XXXX XXXX XXXX XXXX had added material to the E-commerce site to make it look like the website was completed and fully functional. The reality is that when we went on the E-commerce site thinking that it ad indeed been fixed, we could not purchase dresses the contact information was still wrong and when we investigated the drop down links on the home page the text was in " gibberish '' text. There were no links to process orders, there were no shipping information options, and there was no method of verification that an order was even placed. The dresses displayed had no prices or information if they were even in stock and when we tried adding a dress to the cart it indicated the total for the dress was {$0.00}. The website and services we paid XXXX XXXX XXXX XXXX were not completed and we do not see how the USAA dispute department could have stated that there were no errors on the E-commerce website. We believe the dispute department did not fully access the E-commerce site and thoroughly investigate the functionality of the website.
Product: Payday loan, title loan, or personal loan

A line of credit was set up without my authorization by XXXXXXXX XXXX XXXX with : Comenity Capital Bank XXXX XXXX XXXX XXXX OH XXXX Im writing to dispute the entire accounts existence. When I contacted XXXX XXXX XXXX about a medically necessary procedure on XX/XX/2022, I was told I could get a line of credit to pay for all of the procedures I needed. I was told my insurance would not cover {$5000.00} of the charges. At that time, XXXX XXXX requested my social security number to conduct a soft credit check to see if I qualified. She told me I did and that I would get documents to set up the line of credit. She also stated I would be billed for everything after the procedures were completed. My first procedure was scheduled for XX/XX/2022. I never received any creditor paperwork or contact, credit card, nor did I complete any application or sign off on a line of credit. I didnt even intend to use a line of credit if I was able to pay for everything with my XXXX  XXXX 
I received a letter in the mail from Comenity that I assumed were the credit application documents. When I opened it on XX/XX/XXXX, I was shocked to see that it was a bill due XX/XX/XXXX. It showed a charge of {$5000.00} that was billed before I even went for my first scheduled procedure on XX/XX/2022. I attempted to pay this bill on XX/XX/2022 using my XXXX debit card as I didnt want any late fees or anything to negatively impact my credit score. That was a Sunday and I intended to call and question the company about this account that following Monday. Unfortunately, I ended up going to the XXXX that night due to complications from the procedure that was performed. At the hospital they informed me the procedure wasnt performed correctly, I was admitted to the hospital, and had to get the procedure done again. I remained in the hospital for almost a month in recovery and have been in home recovery since. While in the hospital I received a collections call on or around XX/XX/2022 from Comenity. At that time I disputed the account and all charges. I was told by the rep that it was not uncommon for an unauthorized account to be set up, and she put the entire account in dispute. I later contacted XXXX at XXXX XXXXXXXX XXXX because the charges should have first been sent to my insurance company. She agreed to bill them and told me that I wasnt billed for all of the procedures. To date, they have not responded to requests from me or my insurance company for a bill breakdown.
Product: Checking or savings account

I deposited a personal check in the amount of {$1000.00} on Saturday XX/XX/2021 to my Bank of America account at an in-person teller. 

I was told at the time of deposit that a hold would be placed on the funds until Wednesday XX/XX/2021, which I took no issue with. 

Later, I was notified that the hold would be extended to Wednesday XX/XX/2021 which, to my best reading of the Expedited Funds Availability Act, is in violation of the law. 

Regardless, after I could not get the hold released, I asked for {$400.00} of the funds which, again, the XXXX appears to entitle me to at *least. * Again I was told they would not release a single dollar of my money. 

I even brought up the act and the person I was talking to was doing internet research on it just to figure out what it even is .... which indicates to me that the bank is likely just dismissing the provisions of the act if their own employees arent at all familiar with it. 

No written notice was given that were enacting any kind of exception hold ( and even if they had, that would expire before they release my funds anyway ) and no explanation was given for the full week extension of unavailability of the funds. 

This is very frustrating and, as far as I can tell, illegal. 

I doubt that any action will be taken that could remedy my situation any faster than just waiting another 6 days will, but hopefully there is something that can be done to force them to follow the law. 

Thank you and take care. XXXX.
Product: Debt collection

I.C. System, INC is continuing to report 2 fraudulent collection accounts on my credit report even after disputing several times that this debt does not belong to me, and I have no knowledge of them. They have failed to provide validity on the 2 collection accounts they are reporting on. 

XXXX XXXX XXXX- Not sure what that is, but I've never used it. Claims the account was opened XX/XX/XXXX, I do not recognize it, and I vehemently deny all claims to this debt. I DO NOT and HAVE NOT owned any animals to receive a bill from a pet hospital. 

XXXX ( XXXX ) - They say this collection is from XX/XX/XXXX, which is weird being that I still have my current XXXX  account from XXXX. It doesn't make sense and is clearly fraud, really wondering how they're confirming this data and would like a full investigation launched into this company and their practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjustment collections agency is engaging in the illegal practice of re-aging debt. An old collection fell off my report and they placed it back on as if it was brand new. I disputed the fraudulent action immediately with all three bureaus. This unethical company verified the debt was correct. Thats impossible. If they dont resolve this illegal matter immediately, I fully intend to sue as they are blatantly violating my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am receiving credit reporting inquiries for credit that I did not apply for, someone is using my name, address and social security number to apply for credit : I received a Notice from Customers BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Phone : XXXX stating that credit was denied on XX/XX/year> for a Loan Program through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for this loan, someone is using my personal information to apply for credit. 

On XX/XX/year> someone applied to the XXXX XXXX XXXX XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX for XXXX credit using my name, social security number and address. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX. 

I have not applied for any credit for any reason, someone has access to my personal information.