23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was charged {$25.00} on a free student checking account as a monthly fee with no notice, after 5 years being a customer of the free checking account. My savings account was also closed. When I asked about the fee, I was told that " as a result of a technical issue, some Student Account were mistakenly converted into either a Citibank Account Package in XXXX and XXXX. '' I noticed the fee and contacted Citi and was told that they are working on the problem but have no timetable for when the fee will be added back to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.
Product: Checking or savings account

On XX/XX/2021 night time, I logged in to my Prosperity Bank app. I viewed my checking account and saw : IRS XXXX {$1400.00}. 

Seeing that XXXX {$1400.00} description made me think, Okay. The IRS deposited my 3rd stimulus payment. It was already deposited, so it should clear by morning. 

I downloaded a new stock trading app XXXX and entered in my bank account information. The app said depositing funds from my bank takes up to 5 days to complete. After a few days, I received a XXXX notification message saying my bank reversed my transfer. 

I never received any funds. I never had access to the funds. 

When my IRS XXXX cleared, Prosperity charged me {$35.00} and immediately charged me {$35.00} and took it from my {$1400.00} deposit. I never went negative, for how can I go negative if nothing was ever received? I never accessed anything. 

Both Prosperity Bank XXXX XXXX charged me {$35.00}. 

So Im being charged {$70.00} for being negative, when really prosperity reversed that transfer. 

Prosperity Bank XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX   XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) Transunion ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a foreclosure with Vanderbilt mortage in XXXX I sent the correct information to them from Vanderbilt with they stated that they report for XXXX and after several disputes they keep reporting the foreclosure for XXXX and thats not correct
Product: Mortgage

City of XXXX. property tax dept. notified me of a refund for XXXX prior years available to me. I was given by the city all the steps to obtain this refund and notified M & T bank/ mortgager and obtain all needed documentation from M & T Bank and sent everything to the XXXX . Property tax revenue dept. I obtained lettered permission for the refund to be sent to me by M & T bank. Followed up to find process/and check was approved but notified that the check will no longer come to me but to M & T Bank per a petition filed by M & T Bank on their own after my petition was submitted. Per the city the check was made out to M & T Bank and has already been sent to them. The bank denies the submission of an alternate refund request and denies of any change in payee. M & T states they will keep the check and not sent it to me but place it into my escrow account and will do a 2017 review and lower my mortgage payments for just one year instead of returning the refund. The bank continues to deny why the switch happen and continues to deny any check received from the City of XXXX Revenue Dept. I have documentation of the approval letter from M & T giving the Dept. of Revenue permission to send the check to me. I believe this is a fraudulent move by the bank to obtain funds for property taxes for a period of 3 years totaling over XXXX dollars that has already been paid through my past and present mortgage payments. I suspect that I am not the only person to expeirence this bate and switch. The City of XXXX Dept. of Revenue and M & T bank are blaimiing each other for this event. Numerous calls to Bank and Dept. of Revenue for the City of XXXX. has not fix the issue above. I need assistance to get the full amount issued to me. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX
Product: Mortgage

I have a mortgage that is a XXXX account. I have been trying to get a loan modification from Nationstar Mortgage and without success. Finally they sent me a letter offering a modification with the monthly payments higher than what they were before. My home has been sold from one lender to another. The balance they are reporting is not accurate. many of my payments are not showing and only a small portion is showing. Please help me with this matter
Product: Mortgage

I have received a call today and yesterday by the number XXXX ( XXXX XXXX, IA ). The voicemail script is following : " Hi this message if for XXXX XXXX  this is XXXX with Wells Fargo home mortgage executive office calling in reference to correspondence XXXX  received from you through the consumer financial protection bureau my phone number is XXXX operation are Monday through Friday XXXX until XXXX XXXX  central time thank you .... '' I have written the letter to WF CRD SVC addressed XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ). As far as I understand the internet search, this office is meant for credit card offer ; therefore, her statement of home mortgage has the discrepancy. Also, I only know the phone number XXXX, therefore, I believe this call of XXXX is the action of some kind of illegal activity.
Product: Debt collection

This is not my debt I no longer live at this address XXXX XXXX XXXX XXXX XXXX Georgia XXXX You've paid off 0 % of your collection amount. 
Balance {$570.00} Highest Balance {$570.00} Opened XX/XX/2017 ( 1 yr, 4 mos ) Account status Open Type -- Responsibility Individual  Remarks Placed for collection Original Creditor Name 1XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Information Regarding Bankruptcy Verification Dear Equifax Customer Service, I hope this letter finds you well. I am writing to request clarification and additional information regarding the verification of my bankruptcy status as reported on my credit file. I believe it is essential to ensure that the information reported is accurate and complies with applicable regulations. 

Firstly, I would like to understand how and from which sources Equifax received the information used to verify the bankruptcy associated with my account. Specifically, I am interested in knowing the details of any documentation or records that were utilized to confirm the accuracy of this information. 

Additionally, I would like to request a copy of the written signature or authorization that grants permissible purpose for Equifax to report this bankruptcy on my credit report. It is important for me to ascertain that my rights are being upheld in accordance with the Fair Credit Reporting Act ( FCRA ). 

I appreciate your attention to this matter and look forward to your prompt response. Please provide the requested information within XXXX days, as stipulated by the FCRA. If you require any further information from my side to process this request, please do not hesitate to reach out. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I closed on a Home Equity Line of Credit to pay off debt with my creditors on XX/XX/2023. The Title Company that I used sent checks made payable to my creditors and instructed me to mail them out directly to my creditors. I mailed the checks out on XX/XX/2023. The checks were stolen. I found out that XXXX of these checks fraudulently endorsed and deposited into someone's Bank of America Account. One of the checks made out to my creditor XXXX XXXX posted on XX/XX/2023 in the amount of {$8700.00} and the other check was made out to Bank of America to pay the balance on my credit card with them posted on XX/XX/2023 in the amount of {$7100.00}. I first contacted Bank of America on XX/XX/2023 to file a fraud dispute. I went to a Branch on XX/XX/2023 and contacted the bank several times since then with still no resolution. These checks were made out to my credit card companies to pay off my balances. Bank of America was negligent in allowing someone to deposit these checks into a random account not belonging to the companies that they were issued to.
Product: Checking or savings account

I received a promotion from Citibank to open both a Savings and Checking account and if a minimum of {$15000.00} between both accounts stayed in the accounts for 60 days, I would receive a {$400.00} bonus. The bonus was to be paid within 90 days after meeting the criteria. I opened my accounts XX/XX/XXXX and they were funded XX/XX/XXXX. The promotion stated the accounts had to be funded within 30 days of being opened. I met this requirement. I had a combined balance of {$15000.00} or above, which I actually still have to this day, which meets the 60 day requirement on XX/XX/XXXX. If calculating 90 days from that, I should have received the {$400.00} bonus by XX/XX/XXXX. I have yet to receive it. I've had two online chat conversations and spoke with a XXXX, a personal banker, who all confirmed I have a promotion associated with my accounts and I indeed met the requirements. A case was opened and researched and I have since received a letter stating no promotion was associated with my accounts. I don't see how this can be the case other than that Citibank does not want to pay it out. I have no branches near me so the only way I could have opened my accounts was through the link that I received. 

Also, when opening the accounts I never received any welcome packet, account information, or disclosures which is a violation of Reg DD, correct? 

I am extremely disappointed with Citibank, who is a billion dollar corporation, and should have better business practices than this. I would like for my {$400.00} bonus to be deposited into my account as was expected. 

Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , INC ) due to inadequate customer service and unfair practices, which violate the customer 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 resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have repeatedly requested to cancel the XXXX XXXX that I purchased from XXXX XXXX  on XX/XX/23. Since I have 5 days to request a refund from my initial purchase, I sent an email with intent to cancel my membership on XX/XX/23 and again on XX/XX/23. I requested that the business refund my initial deposit of the {$1800.00}. Following up to my email, I called the XXXX XXXX phone line on both days, at ( XXXX ) XXXX. The first representative told me that their inbox was full and to try again at a later time. The second representative told me to give them 5 days to respond. I never received a response from them regarding refunding my money, until XXXX month after I filed a dispute with my bank. The reply came from a man named XXXX XXXX XXXX on XX/XX/23 and it did not address their lack of response the previous month. XXXX only emailed me to say that his legal department would be in touch with my bank. Since my money was never refunded and I never heard from them since, I have no choice but to start the process of taking legal action. It should only take one message to a business in the appropriate timeframe, for them to acknowledge that I am due a refund, especially since I was a hotel guest at the time. The disorganization of this business is not myjurisdication, but it should no longer be my burden.
Product: Credit reporting or other personal consumer reports

I have reach out to TransUnion and XXXX the last XXXX years multiple time via phone mail and online Ive sent them both about 10 letters certified mail to make corrections and remove this incorrect information from my credit report they never do. I ask them to provide proof and validation regarding this they never do I also would like to where where they obtained this information from
Product: Money transfer, virtual currency, or money service

I am writing to formally express my deep concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit that has shed light on significant issues with the platform. Despite using Zelle multiple times and reporting discrepancies, my financial institution and Zelle have failed to investigate my claims adequately. They have informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The CFPBs findings reveal 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 and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

This account was opened in my name this is a fraudulent account I have tried to resolve the issue with the credit card company Destiny Account # XXXX no progress has been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/20XXXX 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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX  XXXX : XXXX, XXXX XXXX XXXX : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have not addressed the complaint. There IS A SYSTEM GLITCH. Your company has confirmed there is no negative items on my report so WHY IS YOUR WEBSITE/PORTAL REFLECTING NEGATIVE INFORMATION. Actually do investigation and fix the issue rather than give a generic response. Refer to XXXX
Product: Credit card

Late payments are reported on my account Ive always paid on time the dates are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a papy copy of my consumer report because I was getting alerts of severe delinquency that was affecting my credit score. I recieved a report from Transunion and noted inaccurate information. On XX/XX/2020 I mailed a certified letter to Transunion asking them to reinvestigate an incorrectly reported account on my consumer report. I recieved a response dated XX/XX/2020 with an additional copy of the updated copy stating " Verified as Accurate ''. Having this serious delinquency being reported has impacted my credit worthiness and caused me to pay higher interest rates and be denied lines of credit. Transunion violated my consumer rights according to 15 U.S. Code 1681b.a ( 2 ). I have been caused great financial harm and emotional strain due to this inaccurate reporting and unwillingness to correct my report. As a veteran of the United States XXXX XXXX this information misrepresents who I am as a responsible consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX  several letters for years. I recently sent them certified letters on XXXX XXXX, 2019 ; XX/XX/2019 ; and XX/XX/2019. I sent letters disputing an account for Bank of America that does not belong to me. I asked them on many occasions to investigate this account. They all come back with, this account is verified to belong to you. I have asked for proof and method of verification done in this process but was never done. 

I have never had an account with Bank of America nor have applied. 

At this point, I am tired of asking them to comply and do their job. I need assistance in this matter.
Product: Credit card

Apple Card 's consumer service is very low end. Texting is an endless circle. Calling is a computer that does not respond. 
I would like to share my endless texts. 
I got 2 emails stating the Bank tried to call. I never received the call. I asked for a call back.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My information was sold and brought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and Experian has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$1300.00} DATE OPEN : XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$0.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$3.00}, XXXX DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX SD XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : {$550.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3100.00} DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : {$3700.00} DATE OPENED : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : XXXX ACCOUNT BALANCE : UNKNOWN DATE OPENED : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT BALANCE : XXXX DATE OPENED : XX/XX/XXXX
Product: Credit card or prepaid card

I applied for an increase in the {$600.00} limit on my Citizens Credit Card. The Citizens denial letter listed the reason for denial as : " Due to your recent credit line increase on your account. '' I called and learned this reason was NOT TRUE! The real reason was a " Bureau Score Reason '', i.e. " XXXX payments due on account ''. I told the Citizens agent that I had over {$100000.00} invested with Citizens and had a four-month issue with XXXXXXXX XXXX that I have been challenging but have been unable to receive any acknowledgement from XXXX XXXX . I run the XXXX XXXX XXXX XXXX XXXX and help people XXXX XXXX. They tend to have no credit. In trying to help someone establish credit, I registered with a XXXX XXXX  cashier for XXXX XXXX credit card. I stipulated that the limit would not exceed {$1000.00}. The cashier agree and said absolutely the limit would not exceed {$1000.00}. The person for whom I was establishing credit, was present and is willing to testify to everything I've mentioned. After receiving the XXXX XXXX CC and the person started using it, I learned that not only had XXXXXXXX XXXX unilaterally increased the limit but even allowed charges exceeding their unilaterally increased limit. I have written and used email to communicate with XXXXXXXX XXXX ( including their XXXX XXXX XXXX XXXX ). They mailed me a 12-pagXXXX credit card agreement document which they claimed was the binding contract. Until receiving this document I never saw it nor was it ever referenced during my contact with the XXXXXXXX XXXX cashier. I maintain the original " binding '' contract between me and XXXX XXXX is the agreement reached with the XXXX XXXX rep. ( i.e. their cashier ). XXXXXXXX XXXX  apparently ignores this binding contract. I continue to communicate with them in an effort to deal with the truth of what happened. So far they have continued to ignore the truth and instead rely on a fictional reality that I was given their credit card agreement document when dealing with their cashier, but again this is not the case.
Product: Money transfer, virtual currency, or money service

{$2800.00} was stolen from me by a Citi customer ( without my endorsement on the check ) and Citi still allowed the check to be cashed into their account. After allowing this check fraud, Citi would not get back to me and give me back my money after the customer has been indicted for grand larceny by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the XXXX day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you