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

On XX/XX/2023, my account Providers from XXXX Bank the reason that they close my account because they said that we wouldnt be a match for my banking needs which is a lie. I do have all the proof from them that they promised me a refund and you keep giving me the runaround my refund was supposed to be a total of {$1200.00} plus another {$53.00} and change they have not cooperate with me. Theyre not trying to give me a refund Ive called them so many times and at this point I am really ready to sue them so they can refund me my money so I do have all the proof you need I will send you the proof so youll see what kind of people they are they are scammers and they are stealing everything that I took. I had disputed with them and they keep giving me the runaround.
Product: Money transfer, virtual currency, or money service

My Venmo account got hold since 180 days ago, I had file a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to you. I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. please review it thanks.
Product: Prepaid card

I was given an American Express {$500.00} gift card. The card only allowed me to make a few purchases and is now declining no matter where I try to use it despite it having a remaining balance of {$280.00}. I contacted American Express and they said its being declined for security purposes and to try again in 24 hours. However, despite waiting the 24 hours the card still does not work. The company has no resolution and continues to tell me to wait 24 hours. This is not acceptable. I have never had an issue with a gift card like this in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report on XXXX and found that a hard inquiry was made by Chase bank on XXXX XXXX XXXX I did not apply for a credit card. XXXX removed the inquiry and asked me to file a fraud/police report. I also froze my credit. 
Its under JPMCB
Product: Checking or savings account

I received several emails from Wells Fargo saying they have received my application ( XX/XX/22 ), next steps in application ( XX/XX/22 ), and access your documents/welcome to Wells Fargo your account has been approved ( XX/XX/22 ). I did not have any contact or try anything with Wells Fargo so this is a case of fraud. I called Wells Fargo and they agreed an account was open in my name and they closed it down right away.
Product: Checking or savings account

Citi bank sent a notice without reason that they were closing my brokerage account then sent 5 more letters closing all of savings, checking and CD accounts. All sent within the last 2 weeks. Again no reason why the were closing the accounts. I have had an account with Citibank for over 40 years with no issues.. I have called the bank, visited the branch directly and sent emails and to date no one has responded including my relationship managers or the branch managers. No reason was provided for the closing of the accounts. I have 3 XXXX 's with an 18 month maturity with a prime interest rate which they are closing a well. I can not get that rate in todays market and still have 16 months until maturity. I should be compensated for the loss of interest if they want to break the XXXX 's without my approval. Is Citi overextended on the rate and will make it convenient to close my account and others that fall into my same situation? I have been told from the branch accounts are being closed without reason. That can not be fair to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I sent a final letter to EXPERIAN requesting a copy of what they used to verify the following accounts : 1 ) XXXX for {$1700.00} 2 ) XXXX for {$1200.00} 3 ) XXXX for {$280.00} 4 ) XXXX XXXX for {$680.00} 5 ) XXXX XXXX XXXX   for {$4500.00} 6 ) XXXX XXXX XXXX for {$13000.00} 7 ) XXXX   for {$4300.00}.

I also asked them to delete Multiple incorrect addresses & Names they had on my credit report & to send me a copy of the updated credit report. The did NOT do any of this. They only sent me a letter stating they will NOT reinvestigate XXXX, XXXX, or XXXX XXXX. Yet they still have NOT provided me with the copy of what that used to verify these accounts. Experian needs to be held accountable.
Product: Debt collection

15 usc 1692c ( c ) If a consumer notifies a debt collector that consumer refuses to pay a debt, the debt collector must cease all communication.
Product: Debt collection

Good Afternoon, I wanted to reach out to inform you that I have sent numerous letters in attempt to clear my name and to dispute debt that is not owed in my regards, I have not received any response from the collection agency. I have reached out to all 3 credit bureaus as well and they just stated its under review. I have sent letters out since XX/XX/2021 and its now XX/XX/2021. Giving we are approaching XXXX soon. I am writing to you to see if you can help me clear this debt that they have no proof of. I have asked for them to show proof of bearing my signature, the third party they received my information from, and to provide me with the address and name who provided them with this info.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$3000.00} XXXX XXXXXXXX Balance : {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my consumer report was not accurate and I did not give any kind of consent for my personal information to be shared my right to privacy has been violated I have been under mental distress because of my privacy being violated and the consumer selling my information to third party organization I request that the inquiries be removed off my report immediately or I plan to take legal action I'm aware of my open end credit plan
Product: Student loan

Good Evening : In XXXX, I went through a separation and subsequent divorce. My student loans at the time were financed through ECMC. I requested to make partial payments until I was financially stable again and was told that I had to make full payments or my loans would go into default. I could not afford full payments at the time. Through the separation and divorce, I was forced to file for XXXX XXXX bankruptcy. I made 5 years of monthly payments, which included regular payments to my student loans. Despite payments going to the student loans, I was not given credit for these payments. My loans remained in default and very sizeable default fees and interest accrued. I contacted ECMC about this matter and was told this was policy and federal law. Upon finishing up my 5 years of bankruptcy payments ( all of which were on time ), I was told by ECMC that if I made 9 consecutive monthly payments, that my loans would be taken out of default. They then would begin to work with me to waive the default fees and interest accrued. After my 9th payment was made, my loan was sold to XXXX. Nothing was waived, adjusted, etc. My loans that were {$56000.00} are now {$110.00}, 000. XXXX is attempting to set me up on a payment plan of over {$800.00} a month for 30 years. According to their calculations, this will have me paying {$280000.00} upon completion of this payment plan. That is over 5 times the amount of my student loan amount. I attempted to contact ECMC on XX/XX/XXXX to inquire about the fee and interest waivers, but I was bounced around to 3 different people, who provided me with a total of 6 telephone numbers to call. I have read multiple articles on XXXX and their deceptive practices. I am fearful of what my student loans will turn into through this company after the previous inflations.
Product: Credit reporting or other personal consumer reports

I filed a dispute with Equifax XXXX XXXX THEY ARE REPORTING A LATE PAYMENT WITH XXXX XXXX in which the creditor made a mistake of reporting a late payment in which I have supported documentation from the creditor however XXXX & EQUIFAX DID NOT UPDATE TO REMOVE THE LATE PAYMENT I FILED A DISPUTE numerous of times via certified mail and Ive also filed a complaint against EQUIFAX XXXX XXXX for failing to protect my consumer rights According to section 605 b of the fair credit report act I have also filed a legal suit against Equifax XXXX XXXX for emotional distress they have caused so much damage to my personal credit report also report late payments XXXX XXXX reporting inaccurate information EQUIFAX REPORTING A INACCURATE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX is not my address My current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Im seeking {$89000.00} in damages FROM EQUIFAX along with the removal of all hard inquiries and fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  And all hard inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, and 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 an account without my written instructions.
Product: Mortgage

we had a mortgage with well fargo. we went through several attempts to go through mortgage modifications. the home was sold at auction during one of the modifications processes we were lead on and switch from one loan modification to the next. We were in evolved in the az class action law suit against well fargo. we have not been able to find out if we are included in this new law suit,.
Product: Checking or savings account

On XX/XX/XXXX, I purchased something with my Citi checking account in the amount of {$28.00}. Later on, I closed the account. On XX/XX/XXXX, I have not received my order and attempted to check with the merchant. I found out that the merchant has abandoned their contact. With no contact available, I highly suspect that this is potential fraud. On XX/XX/XXXX early morning, I called Citibank to dispute this transaction. Its rep informed me that because the account is closed, thus they are not able to submit any disputes.
Product: Checking or savings account

On XX/XX/2023, visited XXXX, VA branch and requested account opening for small business, sole proprietor checking account, in response to a promotional advertisement for {$500.00} opening account bonus. Upon discussing with the Branch Manager and an associate, they agreed to open account and informed me of a special interest rate. Upon disclosure of the {$500.00} promotion, the demeanor of representatives changed and they informed me that a promo code was needed. After providing the terms of the promotion, attached with complaint, and pointing out that the fine print eligibility did not contain such language, they continued to argue with me about the bonus not being paid once terms were met. Regardless, I informed the representatives that I would like to proceed, and that if bonus failed to be paid after all terms were met, I would escalate at that time. The associate then began the account opening process, obtaining all required information to complete the account application. Upon nearing completion, Branch Manager, came back to advise that I would not be paid the bonus. Upon asking for this statement in writing, and advising that it an illegal practice to advertise terms and not honor them, Branch Manager, terminated the application process and I advised that I would file a complaint with CFPB. This complaint serves as that promise and to outline the illegal activity this financial institution is undertaking.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX my vehicle was stolen while I was out of town. Since then my insurance company ( XXXX ) and the GAP coverage company ( XXXX ) has paid the vehicle off. However, Tidewater Finance is still reporting {$8500.00} balance on my credit report with 90 days past due. I spoke with XXXX a Tidewater Insurance representative XX/XX/XXXX in which she confirmed on a recorded phone call Tidewater Finance received : {$12000.00} from XXXX XX/XX/XXXX {$250.00} from XXXX XX/XX/XXXX {$7700.00} from XXXX XX/XX/XXXX The following payments are a total of {$20000.00} in which I mentioned is an overpayment according to the credit reports " highest balance '' amount. Then XXXX ( Tidewater representative ) stated the payoff was actually {$20000.00} not the {$20000.00} reported on my credit file. So, I mentioned this is a difference of ( - {$56.00} ) ... not {$8500.00} which is the outstanding balance being reported as of XX/XX/XXXX. XXXX then began typing again and said " I see we received the payments. I'm not sure why it didn't update. '' After being put on hold she then came back and said there's a balance of {$530.00} on the account. I inquired " how were the payments applied? '' XXXX stated they were applied to the principal and I would need to speak with the Consumer Response Team to get a credit reference letter as this was " beyond my knowledge ''. Upon being transferred the call was disconnected. I have yet to be able to get a representative on the line again.
Product: Credit reporting or other personal consumer reports

My CFPB # XXXX Transunion dont respond.

I have made several disputes with Transunion and they have ignored this. I wrote a letter to the Bankruptcy that is reflected in my credit report on XX/XX/year>, to send me his contract because they reported this incorrect account on my credit it has been more than 30 days since this and they have not sent me anything. I also made three previous disputes with Transunion requesting the information or research they use to report this account and they have not sent me anything. Attached I have the letters sent and the certified acknowledgments of receipt as evidence that Transunion is committing several violations and they have not deleted information from my credit that they can not verify. They also do not comply with updating information or sending me their independent investigation. The public record # XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company PORTFOLIO RC ( Original Creditor : 08 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$2800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS INVESTIGATION HAS TAKEN MORE THAN 30 DAYS AND XXXX IS CAUSING COMMERCIAL AND FINANCIAL INJURY TO ME. I INTEND TO FILE A FEDERAL CRIMINAL COMPLAINT AND FEDERAL CIVIL COMPLAINT AGAINST XXXX I WAS AN IDENTITY THEFT VICTIM OF THE XXXX XXXX BREACH AND XXXX IS NOT REMOVING THE FRAUDULENT ACCOUNTS IN ACCORDANCE WITH THE LAWS BELOW. 

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, XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXXXXXX 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: Mortgage

Many things but the most recent is after being denied a modification for many reasons and 4 years of being abused and tortured I finally received one in XXXX 2014. I was given a XXXX/XXXX arm. I had numerous questions about the documents but was told if I do n't sign them like it 's written they would take my home. After over 1 1/2 years of making modification payments I receive a statement in XX/XX/XXXX that that said I owed back escrow and my payment will go up almost {$300.00} which is now more than I was paying before the modification. I have not paid the extra money because I think what they 've done once again is illegal. But they are now charging interest on the amount I 'm not paying.
Product: Credit card

To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains a late payment/payments .reported on XXXX XXXX  .for my credit card name of XXXX XXXXXXXX account ending XXXX. 
I want you to know that I understand my financial obligations, and if it werent for circumstance that caused me to miss a payment, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I lost my father in XXXX so I left the country to XXXX for my father burial that caused me a later payment to fall behind so please I will be very much grateful if you can take of the 3 late payments of XXXX  XXXX on my credit report, my circumstances have changed since I left XXXX to XXXX for my father burial. I improved my money management Since then, Ive had a spotless record of on-time payments. 
Im planning to apply for a mortgage/auto loan/etc. ], and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [ payment/payments ] on XX/XX/year>. I promiss to pay on time. 
Thank you for your consideration, and I hope youll approve my request. 
Best, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested a pay off letter reflecting paid in full and closed. Bridgecrest sent a {$0.00} balance letter but still reflects the account being in discharge status instead of paid and closed as requested by me. The letter is also written in deceptive practices showing at the bottom of the letter stating " This is an attempt to collect a debt. This is definitely not a paid off letter. I honored my responsibility by paying off the debt. Bridgecrest should do the same by giving me a true and honorable letter of paid in full.
Product: Credit reporting

After submitting all documentation and the debt collector for my identity theft case sent a letter, equifax still will not remove all of the fraud information from my credit.
Product: Credit card or prepaid card

I would like all negative credit card, XXXX and Capital One reporting removed from my credit report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found unverifiable, invalidated, inaccurate, and questionable items that XXXX XXXX XXXXXXXX didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. I really hope we do not have to take this to court. The following account is in question XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, after reviewing my Experian credit report, I discovered discrepancies. XXXX XXXX is eporting two unauthorized erroneous accounts and Experian is allowing the company to do it with adequate proof and permissible purpose. I have repeatedly requested Experian and XXXX XXXX to provide proof of authorization to obtain my reports, authorize transaction under my personal information, and also wet ink signature application, including proof of my identity. Still to this day, I have not received anything but a letter, claiming verified. I want to know how Experian proved the frivolous accounts belong to me legally and it is a credit transaction. I have never given authorization for the two frivolous accounts that is showing on my Experian report. I have never given XXXX XXXX consent or permissible purpose to report anything. The fraudulent activity have impacted my credit report and financial standing, causing me XXXX. I expect this matter to be resolved expediciously, or I will hire attorney.
Product: Debt collection

I received a summons in the mail for a debt I have no clue about and so I called the number on the summons at XXXX and spoke to guy name XXXX stating that he is an attorney for XXXX XXXX XXXXXXXX XXXX., I asked him what was this letter for and he asked me to verify my address and my last four digits of my social and I asked him why. He said it is being used to collect a debt and so I advised him that I have asked before, not to be contacted anymore and that I will be filing a complaint with CFPB. I then went on to ask him what is this pertaining. He stated again that he is a 3rd party attempt to collect a debt for a credit card in the amount of {$2600.00}, so I explained to him that I never had a credit card and I also asked him if so do he have an original contract with my XXXX XXXX on the signature line stating that I have obtained credit with this agency. He stated No. That's when I asked him to be taking off the do not call list again. He stated that I need to pay them or I am going to jail.
Product: Checking or savings account

Accounts open that i never opened and consumer agency reporting it on my credit without my consent which is illegal and I want all of it deleted!