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

My checking account is with Citibank. I went to make a small ( approx. {$5.00} ) purchase at a store and was shocked to see my transaction declined. I know that as of that date, after all pending bill charges cleared I would have had an account balance of approximately {$2000.00}. After the charge was declined I logged into my online account and saw that my balance was zero. I investigated further and saw that a " bank fee '' of nearly {$1900.00} had been debited from my account that morning. This was not a transaction that I authorized or initiated.

After nearly 2 hours on the phone, getting the runaround and passed around to various departments, it was determined that an investment account that the checking account was linked to was closed ( without my authorization or any prior notice ). The bank fee that was debited was for closing costs associated with the investment account, leaving me with no available funds. Once again, I did not initiate any account closures. This was purely an error on Citibank 's part. 

My next question became how to get my funds reinstated because I had bills due that day. It took a tremendous amount of time and effort to resolve this. Over a 24 hour period I spent more than 6 hours on the phone and an additional 2 hours at my local Citibank branch, being left on hold, being told " I'm sorry sir, there's nothing we can do. '' I would ask to speak with a supervisor who could help and was told there was no supervisor available. I should not have to go through this much time, trouble, and stress to resolve an issue that Citibank caused themselves. 

The incident caused me to miss a day and a half of work. I run a small business and unplanned time away from the office is very costly for me. I should be compensated for the time and undue stress that I had to endure. 

What is incredibly frustrating is that most of the people in the call centers refused to listen or to offer any sort of assistance. The banking call center told me it was a problem from the investment side, so they'd forward me to the investment department. Then the investment department would say they can't see a problem on their side, and would tell me I had to contact the banking department. The banking department would tell me I had to visit my branch to resolve the issue, so I'd visit the branch and they'd tell me I had to call the call center for resolution. It wasn't until I became extremely flustered and started to lose my temper a bit when someone finally recognized this was a big problem for me and went above and beyond to help.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. I demand that you remove the following inquiries immediately. 
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 or prepaid card

I got an email from credit union from a new account that I supposedly made. I havent opened up a new account so Im concerned someone is trying to steal my identity and made a credit card with my information
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this off XX/XX/2023 and it remains on my report and no help when it is being disputed on credit services website
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off the account earlier in the year and put the card in my drawer because i dont use it. All of a sudden in XXXX I get a notice on my credit report that there is a 30 day late reported. I called XXXX and told them it was fraudulent charges for a subscription I didnt subscribe to but not only that my account was set up on auto pay as I have NEVER been late. They said they would look into it and remove the negative reporting. In the meantime I paid the past due balance and they actually owe me money. They never removed the negative reporting so I called again and they said it would be taken care of-which they did nothing again. I am a long time card holder and have never been late on any of my credit cards and they actually owe me money.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

the account number from XXXX XXXX does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from experian and XXXX and XXXX thank you
Product: Credit reporting or other personal consumer reports

15 USC 1602 ( g ) ( 2 ), there was no evidence of indebtedness, there was only the agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void. DELETE.
Product: Credit card or prepaid card

I purchased ticket to attend an event that advertised XXXX XXXX XXXX XXXX, and other services. Upon arrival I did not receive any of the services that were advertised, the XXXX XXXX XXXX XXXX toys were bootleg versions of a national trademark. So i contacted the vendor and they did not want to honor my refund as they claimed there was no refund policy. In an attempt to resole the issue i contacted my credit card provider and they did not want to honor my dispute for the simple fact that there was a no refund policy. Yet, the services advertised were not provided. I appealed it and they remarked that they could not resolve my dispute because there was a no refund policy. However, I did not obtain the items I paid for, which I attempted to explain.
Product: Bank account or service

Since you are at the point of being eliminated, I want you to take this very seriously. PNC bank lost thousands of my money in a XXXX project on a LOC. The Bank did not adhere to original contract instructions and used extortion for me not to sue them. Due to a ineffective representation by my attorney, and not being able to contact PNC this has been a nightmare. You fined them once for illegal transactions and foreclosures which happened to me and I am not backing down. Under the FOIA I request that you contact someone other than the XXXX because they only send the same XXXX documents. No one from the XXXX asked me for the original contract or even contacted me. I am tired of this corrupt government entities and being a XXXX year federal employee an very aware how the government works and the waste, fraud and abuse of funds. I am not going to let them take my money and ruin my life which they have, If you look at all PNC complaints you will realize what they have done to many people. I want them prosecuted for the entire LOC and I want damages because it killed my father and ruined my life. They did not know what they were doing and a corrupt township not following state enacted laws and regulations were incompetent. Pennsylvania is number XXXX in corruption and the oversight committee in the state are licensing boards. I have filed with the XXXX and even sent a FOIA request to them and have hard nothing. This is against the law and the previous director was formerly a bank lobbyist in XXXX. I am not asking for anything that should not transpire and I want them prosecuted again. 
Please respond or I will write the White House. 
XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX XXXX XXXX P.S. Do not tell me you are not capable to exercise your right in this transaction and under FOIA you only had so many days to respond. The Bank extorted me to sign a document that I would not sue them. What does that tell you. At first I refused but my attorney said they would not release funds I put in myself other than the LOC which is illegal. Waiting to hear from you.
Product: Checking or savings account

On XX/XX/year>, I noticed a fraudulent charge of {$3000.00} from XXXX XXXX on my Chase checking account. I immediately contacted Chases fraud department to dispute the transaction. After reviewing the case, Chase verbally confirmed that the charge was fraudulent and unauthorized. However, when I requested a written statement confirming this, Chase refused to provide any documentation.

I then visited a local Chase branch to request a formal letter stating that Ch
ase identified the charge as fraud. The branch informed me that they do not issue such letters. I later called Chases fraud department again, and while they acknowledged the fraudulent nature of the charge, they still refused to provide any written confirmation for my records.

Additionally, I have received conflicting information from Chase regarding the status of this charge. Initially, Chase representatives stated that they could not provide documentation because the charge had not yet posted. Later, I was told that the charge had indeed posted. Regardless of whether the charge officially posted or not, I still need written confirmation of Chases fraud determination.

Chases refusal to provide documentation creates significant challenges for me, as I need an official fraud determination for legal and consumer protection purposes. Their failure to provide this information despite confirming the fraud verbally is unacceptable and obstructs my ability to take necessary legal action.

I am requesting that Chase provide a formal written statement acknowledging that this charge was identified as fraudulent, as they have already confirmed verbally. This documentation is critical for my legal records and consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX Account Name-XXXX  XXXX Account # XXXX Account XXXX XXXX Account # XXXX Account Name XXXX XXXX XXXX  Account # XXXX Account Name- XXXX XXXX XXXX Account # XXXX Account Name- XXXX Account # XXXX Account Name-XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX Account Name-XXXX XXXX ( Original XXXX : XXXX XXXX XXXX ) Account # XXXX Account Name- XXXX ( Original XXXX XXXX XXXX XXXX ) Account # XXXX Account Name-XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : I
t also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and came upon an alleged XXXX XXXX  Bankruptcy reporting on my consumer credit report. This is an error and Transunion has violated my federally protected privacy rights by reporting such false information on my consumer credit report. I have filed a notarized Affidavit with the United States Bankruptcy XXXX XXXX XXXX XXXX Indiana notifying them of their potential violation of state and federal law by providing Transunion with my private court records. I received information back from the aforementioned Bankruptcy Court stating they do not report to or provide information to any credit reporting agencies. Pursuant to the Congressional Findings and Statement of Purpose of the Fair Credit Reporting Act, 15 U.S.C. 1681 ( a ) ( 4 ), Congress states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. I did not authorize or give anyone access to my private and confidential records, including the alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I requested merchant information from bank and they have no information on merchant. I filed a claim twice and reported debit card lost. Bank is denying my claim based on someone having used my pin possibly being written on my debit card. Bank can not verify transaction was authorized and can not verify merchant exists. 
They did try to find the merchant either
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( XXXX Account # XXXX ), has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right privacy.

15 U.S.C 1681 section 602 A. States 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose,
Product: Credit reporting, credit repair services, or other personal consumer reports

My second mortgage for my Colorado Housing and Finance Authority ( CHFA ) loan shows up in forbearance. My first mortgage has never been in forbearance. The second mortgage does not take payments unless I sell the property or refinance. I have tried to contact Colorado Housing and Finance Authority ( CHFA ) and they can not tell me what is wrong. They say that it doesn't show up as forbearance on their side but are unwilling to provide me with any type of documentation except for the closing disclosure from when I originally wrote the loan. Without any documentation, the credit bureaus or loan officers can not resolve so I am unable to buy a home with it in forbearance.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 Section 602 states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documents XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have taken steps to address this issue by reporting the inaccurate information, which has deeply affected my personal life and caused considerable emotional distress. The presence of these fraudulent items on my consumer reports has hindered me from purchasing my dream car and supporting my family. This information is not mine, and I never authorized its inclusion on my report. As a victim of identity theft, I have attached my letter and the FTC report for your review. If this matter is not resolved promptly and appropriately, I will have no choice but to take legal action against your organization.
Product: Mortgage

Our mortgage was held by XXXX XXXX until XXXX of XXXX. In XXXX of XXXX, we requested relief due to COVID and XXXX XXXX gave us relief in the form of 3 monthly payments, covering XXXX, XXXX and XXXX of XXXX, that would be moved to the end of our loan. We owed {$1300.00} per month for those months which, again, were understood to be being moved to the end of our loan. We resumed paying XXXX XXXX in XX/XX/XXXX and didnt miss a payment until our loan was sold. 

Carrington Mortgage Services , LLC bought our loan from XXXX XXXX as a part of a disaster forbearance package. Carrington claimed we were delinquent for those 3 COVID months and owed all of it plus the month of XX/XX/XXXX, which was their first payment period as new owners of our loan. 

It took some time to get into contact with Carrington to find out what the issue was. We spoke to a woman named XXXX several times who told us not to pay the full amount owed on their website until we got to the bottom of things. Meanwhile, the letters from Carrington claiming we owe still more money for fees while the clock is now into the 3rd month without a result. 

We now owe $ XXXX+ for the original COVID forbearance and the 3 months since Carrington bought our mortgage and now Carringtons website wont even allow us to pay off the total, which were willing to do at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you in advance for your assistance. I have been trying to get this issue resolved with Equifax for some time now. I notified them that some has been trying to open accounts with XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX in my name. I did not apply for anything. I have attached an identity theft report to have these things deleted.
Product: Checking or savings account

My wallet and cell phone were stolen on XX/XX/2021. I actually had to file a complaint about the other Bank that had not returned my money from that account. Now Chime has FINALLY made a decision about the transactions that were unauthorized on that account and what they did was contact the companies that the transactions were with and ask them for a refund. 2 out of the XXXX issued full refunds. XXXX refunded {$3.00} out of {$75.00} and I refuse to take that. Now keep in mind the theif stole my items, took XXXX to the casino, withdrew {$20.00} from an ATM at the casino then took the XXXX where ever they went that cost almost XXXX bucks. Now Chime refunded the ATM withdraw and the other transactions that happened when the theif arrived at the place they were going but what it cost to get there is my treat? No and not to mention all of the trauma of dealing with being robbed but then the people that are supposed to protect my LIVELYHOOD are robbing me of it as well. It is unbelievable to me and I have closed all the accounts wirh Chime. I want them to send me a check for the {$75.00} and {$11.00} that they have no idea where it is or why they have it but it is gone from my account and I want nothing else to do with them.
Product: Checking or savings account

Obviously this is a game to CashApp. I can care less how stupid these people are because they are just digging themselves deeper and deeper and CFPB allowing it to continue is proving the XXXX that they are useless also. Just ok at sending out mail for people. So the both of you continuing to do absolutely nothing except ignore my rights as a consumer, as veteran and as an XXXX is only building the case proving both of your detriments to the XXXX  people is fine by me. I will continue to allow you to bury yourselves. When I take this evidence to the highest court in the country for reasons that none of you are smart enough to understand, you will learn. Until then I'm going to just keep on allowing to ignorant. 

Cash app responded the to my second complaint with the same response they had to my first complaint. Which didn't make sense or even relate to a young but proving that they are not paying attention or don't care that they just don't give a XXXX XXXX way they are ignoring one import fact. 

THERE IS NO ERROR TO LOOK FOR! SOMEONE USED STOLE MY DEBIT CARD FROM MY BAG. USED IT AND PUT IT BACK. 

YOU HAVE THE DATES WRONG FOR THE TRANSACTIONS. 

THIS HAPPENED AT A CASINO. A CASINO THAT HAS TOLD ME THEY HAVE FOOTAGE OF SOMEONE THST IS NOT ME PERFORMING THESE TRANSACTIONS! I CANT GET THAT FOOTAGE! CASHAPP HAS TO GET IT. 

THERE IS NO ERROR TO LOOK FOR! 

I NEVER CLAIMED THERE WAS AN ERROR! 

THERE WAS UNAUTHORIZED TRANSACTIONS PERFORMED ON MY ACCOUNT. 

WHAT ERROR COULD YOU POSSIBLY LOOKING FOR? 

CAN YOU PROVE THAT I PERFORMED THESE TRANSACTIONS? 

CAN YOU PROVE THAT I AM LYING AND COMMITING FRAUD IN DOING SO? 

IF YOU CAN NOT PROVE EITHER OF THE TWO THINGS ABOVE THEN YOU HAVE TO CREDIT MY ACCOUNT PER REGULATION E. 

I NEVER STATED THERE WAS AN ERROR ON MY ACCOUNT AND YOU EOULD NOT FIND AN ERROR. THE PERSON THAT USED MY CARD HAD MY PIN NUMBER. IT HAD TO HAVE BEEN SOMEONE THAT WAS ABLE TO SEE ME USE MY PIN. I AM AROUND A LOT OF PEOPLE ALL THE TIME. BESIDES OWNING A BUSINESS I AM A XXXX XXXX! I DEAL WITH PEOPLE ALL THE TIME! 

YOU HAVE TO PROVE THAT NOBODY STOLE MONEY FROM MY ACCOUNT! YOU CANT BECAUSE THEY DID! IN ORDER FOR YOU TO DENY ME YOU MUST PROVE THAT I AM COMMITING FRAUD BY LYING!
Product: Money transfer, virtual currency, or money service

Hi CFPB- on XX/XX/XXXX my venmo acct was hacked and {$1800.00} stolen and transferred to a XXXX XXXX in two separate transactions. Venmo has been of no help and all messages and texts from venmo are not coming to me as it seems that the fraudsters have hacked the venmo system DIRECTLY and have access to other customer accounts and information. Venmo has not made an announcement regarding this security breach and is still giving me the run-around re : my missing funds that were supposed to be held in an fdic account XXXX prior to being stolen ). 

I have repeatedly asked venmo for a phone call to discuss since my theft as their is no other method to communicate and it has been 2 weeksto no avail. I still dont know ehat is going on with my money or the security of my account. 

XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for cash out refinance with Better Mortgage on XX/XX/year>. On XX/XX/year>, a staff emailed me stating that Better Mortgage could not close the deal. I went to another lender who was willing to use the appraisal report I paid for when I applied through Better Mortgage. This new lender needed some information from Better Mortgage but they refused to cooperate. Below is a list of the requests the new lender sent to Better Mortgage : " 1 ) Completed Appraisal ( must be 1st generation copy ) and XML format of the appraisal OR a Written Release so we can request the Appraisal directly from the Appraiser 2 ) Must have XML ready appraisal ( UCDP Acceptable ) OR a Written Release so we can request the Appraisal directly from the Appraiser 3 ) Copy of Engagement letter from the Better 4 ) Lender release from Better 5 ) Appraiser Independence Requirement Compliance statement from Better and proof of payment 6 ) Paid receipt documenting our borrower paid Better for this appraisal report. ''
Product: Checking or savings account

My direct deposit which was successfully processed and posted at my employer and should have shown in my checking account on Friday, XX/XX/year> has not shown up, been processed or become available in my checking account. 

Further, transfers into and out of my account take an exceptionally long time. They sit in review for 3-4 business days when my other banking institutions can move funds within 1-2. This seems like a stalling tactic that harms consumers and benefits the bank.
Product: Mortgage

PNC Bank holds the mortgage for my home. I ask about removing the escrow account. They would for a {$900.00} fee. I ask them to provide the paperwork authorizing this fee. They told me there was none.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions