23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 a transaction was sent to my sister through XXXX XXXX XXXX XXXX app ( XXXX ). This transaction was never received by my Sister. I have disputed this with the bank twice. The only information they provide is that the transaction was completed. They have not provided any information about the transaction between XXXX XXXX, XXXX, and XXXX ( my sisters bank ). My sister has worked with her bank on the transaction and according to their records there is no transaction associated with number provided above to them. 

I have been to my local branch on 2 occasions : The first occasion I met with an Assistant Center Manager at the XXXX Indiana Branch XXXX XXXX. At the time, this transaction had been sitting in pending for upwards of a week. Neither myself or my sister were users of XXXX so she first had to sign up. I was not aware that I needed to do anything with the XXXX app since it is integrated into Fifth Thirds website and gives no instruction about downloading the app or anything else except to click here. After a week, I went to the bank met with Assistant Manager and Asked her if she could cancel the transaction. At this point she could see that the transaction had been pending for several days. She commented that she did not know why it had set out there so long and that it should have returned to my account if the funds were not sent after specified period days ( which had already transpired ) She ended up resetting my account in XXXX. When she did that two things happened. My transaction changed to sent and a transaction for XXXX $ that my sister sent to me through XXXX came through. I was told to wait a few days and it would show up in my sisters account. 

On XX/XX/XXXX I returned to my local branch and met with the XXXX XXXX the Assistant Vice President of the local branch. He investigated and was puzzled why the transaction had not gone through. He also indicated that the money should have been returned when it stayed in the pending status longer than the allotted time. We filed a dispute on XX/XX/XXXX concerning the transaction ( XXXX ). This dispute was denied approximately 10 days later with the only explanation that the transaction had been sent. I filed an appeal only to have it denied 60 days later with no information provided other than the notice from XXXX indicating the payment was sent. 

I would at least like to know the dates and account numbers that were involved in the transfer. I have not been able to talk to anybody other than low level customer service representatives who transfer me to different departments each which is staffed by another low level representative who has no power to do anything except take messages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score online, and found that a hard inquiry had been made on my credit that I do not recognize. It shows no contact information on who made the inquiry, and I have never applied for a loan, mortgage, or credit card. Since I don't know where the hard inquiry came from, I have no way to contact the company who made the inquiry, and therefore am worried about attempted fraud.
Product: Debt collection

The account is not my account and I have never had any business with Portfolio Recovery/XXXX XXXX 
I sent a letter regarding a debt collection attempt for Portfolio RC on behalf of XXXX XXXX  indicating that I owe a debt that is not mine. I sent a letter dated advising that the debt was not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Product: Credit reporting

I spoke to a representative from Equifax regarding negative information from XXXX XXXX retroactively placed on my report for years XXXX and XXXX. This information was placed on my report in XXXX of XXXX almost 4 years later and after 4 years of Equifax reporting no negative information for XXXX XXXX. I was told by an Equifax representative over the phone that on XXXX XXXX, XXXX another update was being done on my file and in a few week after this update the negative reporting for XXXX and XXXX would not show on my report. 
I have requested Equifax to remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis i have already opt out and did a credit freeze but most importantly Bankruptcy do not report a bankruptcy therefore they have to delete this off my report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App due to inaccurate customer service and unfair practice which violates the consumer financial protection act Cash App failed to protect my identity from fraud leaving my account vulnerable and unprotected and they did not comply with the electronics fund transfer act and regulations
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I found erroneously reported information on my consumer report with XXXX. 

I had XXXX remove the information ( bankruptcy ) and Equifax is not removing the item from my credit report.
Product: Credit card or prepaid card

Dear Synovus, you are facing civil penalties. As dated XX/XX/2023, In addition, please see attachments. XXXX XXXX All Rights Reserved.
Product: Mortgage

On XX/XX/2019, I received notice from my insurance company ( XXXX XXXX XXXX ) that my insurance payment due from my mortgage company was past due in the amount of {$990.00}. 

I then tried to call NewRez - my mortgage lender who had recently bought my loan from XXXX XXXX. In trying to call NewRez, I " experienced '' their VRU phone menu for the first time. It took me over a half hour to talk to a person, after getting hung up on 3+ times in multiple different transfers. When I finally talked to an agent and they tried to transfer me to the Insurance department, I was hung up on again. 

When I did finally talk to someone, I was put on hold for over 30 minutes and no one ever came back to get me off hold. I can not believe that this company is allowed to function as a company when they can't even figure out how to answer a phone call. I am so frustrated that I had no choice in who my mortgage was being sold to and that I have no choice to move my mortgage away from NewRez - a company whom I did not select. I should have a means of moving my mortgage to a company that I choose to work with without having to refinance. 

Companies that can not execute on the basic functionality of answering the phone and talking to a customer should be shut down.
Product: Credit reporting or other personal consumer reports

I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. Also for all the Charge Off accounts li
sted below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

Also i attached a notice that Experian sent to me stating that these dispute didn't come from me but they did, and also i haven't heard a response from XXXX and XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Since XXXX 2019 I've been trying to fix this problem. I have a student loan from XXXX University, administered by Heartland ECSI. My loan and payments showed in my XXXX credit report. I disputed to XXXX  the payment history information and balances as it was incomplete and inaccurate. The dispute was submitted successfully. In less than 12 hours, XXXX  responded saying " they deleted the account from my credit report ''. This has caused me serious problems : ( 1 ) I've not been able to fix it, even though Hartland ECSI confirms they have been reporting my payments to XXXX  on a monthly basis ; ( 2 ) XXXX  says they can not add the account back, even though they deleted the account without my request ; ( 3 ) My credit has been significantly affected as it plunged my credit history to the floor, thus lowering my credit score SIGNIFICANTLY. I have evidence showing ( 1 ) the  account exists, it is mine and it was in my XXXX  report. ( 2 )  Hartland ECSI has evidence of reporting my information to XXXX, and ( 3 ) that the account has been deleted and never restored since XX/XX/2019. 

I really need this to get solved. It has negatively affected me, lowering my score and limiting my credit options.
Product: Student loan

On XX/XX/XXXX I XXXX XXXX XXXX Navient ( XXXX of my student loan servicers ) to obtain their phone number so I could call and conduct some business. After getting what appeared to be a legitimate phone number for Navient, I called and a woman/representative answered ; she seemed legitimate, and the name given was " XXXX XXXX XXXX '' from XXXXXXXX XXXX  XXXX XXXX She had knowledge of my XXXX XXXX XXXX and was asking if I needed to consolidate the XXXX loans into XXXX, and to make lower payments. The representative said she could consolidate the loans and lower my monthly payment for a XXXX time enrollment fee of {$590.00}. I told her I couldn't pay today ( XX/XX/XXXX ), but that I could pay in a week ( XX/XX/XXXX ). I proceeded to give her my debit card information, last XXXX digits of my social security number, parents name/number. 
Fast forward to today, XX/XX/XXXX and I just received a text message from XXXX XXXX XXXX XXXX saying the {$590.00} XXXX agreed to pay is going to " drafted '' from account on XX/XX/XXXX. It includes another bogus telephone contact number. 

Please help. 
Thanks!
Product: Checking or savings account

US Bank has frozen all my personal and all my business accounts due to suspected fraudulent activity. I sent a XXXX deposit of {$500.00} to a car dealership, XXXX XXXX XXXX in XXXX XXXX Florida from my personal US Bank account and US Bank tagged them to be a fraudulent business, but I informed them that is not the case because I received both cars from XXXX XXXX XXXX. I paid the remaining balance with a check through my local credit union as they had no problems with me paying this merchant. I told US Bank that they have erroneously identified XXXX XXXX XXXX as a fraudulent organization in their system. These cars were shipped from XXXX XXXX, Florida to XXXX, Cailfornia to my home address. I have possession of both of them. I verified that the VINs are clean with the DMV and the police department. However, US Bank still decided to freeze all personal accounts and all business accounts. They have frozen two ( 2 ) of my personal checking accounts, one ( 1 ) business checking account and one ( 1 ) business savings account for a total of four ( 4 ) accounts. They stated they want to end all relationships with me. I went to a local branch to withdraw my funds, but they said they can not release either my personal funds or my company funds. 

I have included the XXXX XXXX ads with XXXX XXXX XXXX in which they had advertised for my two purchases with them in XX/XX/2023. I have also included the copies of both titles which are clean and verified by the DMV and the police department.

I have also attached all the information about the company as a legitimate business entity. They have ZERO complaints to the XXXX XXXX XXXX and they are registered with the state of Florida as a legal business entity. In addition, I have also attached the 100 % positive feedback from all their customers from XXXX XXXX. 

US Bank seems to have a very common practice of doing this to their customers as noted below : https : //www.consumerfinance.govXXXX  My US Bank account numbers are : Personal : 1 ) ) XXXX - Checking 2 ) ) XXXX - Checking Business : XXXX ) XXXX - Checking XXXX ) XXXX - Savings Please help. I need access to funds to operate my business and pay my bills and mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These accounts are fraudulent and I would them removed from my account immediately. These accounts is ruining my credit profile and hindering me from purchasing a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$320.00}, {$0.00}, {$1600.00}, {$430.00}, {$420.00}, {$0.00}, {$0.00}, {$0.00}, {$0.00}, {$130.00}, {$2400.00}, {$470.00}, {$440.00}, {$420.00}, {$1800.00}, {$540.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$430.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

9. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$470.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account. 

14. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$420.00} -This is not my account. 

15. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$540.00} -This is not my account.
Product: Debt collection

XXXX XXXX XXXX was found guility for predatory lending and collection. These accounts are to be removed and discharged per the lawsuit. XXXX still appears on my credit.
Product: Credit reporting or other personal consumer reports

Company has continually reported inaccurate information without verification while claiming they have met FCRA standards. Company has had a long history of doing so as 2 accounts they had previously reported as meeting FCRA requirements were found to not meet them and have incorrect information. This file contains both incorrect amounts being reported as the amounts in both letters differ as well as the amount on my credit report are different. The address and personal information is also incorrect and does not match me as it was claimed I was contacted and this never happed due to then information being incorrect and belonging to another user. Company is liable for lying over the last 12 months about running correct reports to FCRA standards. ID does not match current address or previous address or college address.
Product: Credit card or prepaid card

I have had a credit card with Comenity bank for their Victorias Secret credit card. My payment due date has always been on the first of the month by XXXX XXXX. When i logged into my account to make a payment today at XXXX XXXX, i was notified that the cut off limit for payments that day had been changed from XXXX EST to XXXX XXXX EST. No mailing had been sent to me to notify me of the new terms of my credit card. Furthermore, i am signed up in paperless billing, and no e notice or email was sent to my account. Supposedly, I have had my late charge removed, but I have no confirmation of that. This is an extremely deceptive tactic and regardless of if my late fee is waived or not, government agencies absolutely need to follow up with Comenity bank on this
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, Elan Financial reported to XXXX and XXXX credit bureaus that my credit card account was 30 days late. By reporting to the bureaus, Elan Financial violated my consumer rights and is refusing to honor the fact that they did so and delete said account. 

USC 1681a Section ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Meaning Elan Financial and I should have been the only person ( s ) to know that the account was 30 days late, but the illegally reported that info to 2 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an informal dispute directly to Experian XXXX and XXXX informing them that I have not given my formal permission for the inquiry into my credit file nor written expressed permission contained in a list of companies that i have no knowledge of I ask that this information be removed and or deleted from my credit file the credit bureau s have failed to investigate this matter conduct a proper investigation into the disputed inquiries
Product: Credit card or prepaid card

They do not answer when you call and this game of phn tag gone on too long. Asked for phn appt and being denied by this XXXX a mgr at above number. They will not reverse charges on a fraudulent merchant I dealt with an atty who was hired to do a job and he failed to do it and I had to hire another atty and just did yesterday. Need original atty charges charged back to 1st atty so can pay new atty to do the work that 1st atty admitted needed done but he failed to do it in 2 mths of charges. I gave him enuf time to do the work and all work now is getting redone..Need to dispute original {$5000.00} CHARGE AND 2ND CHARGE OF {$6600.00} ... ALL IS GETTING REDONE BY ATTY XXXX XXXX CHARGED YESTERDAY ON THIS CARD.YOU MAY CONTACT THEM TO SEE ITS REDOING WORK ON A CHILD CUSTODY CASE.
Product: Credit card or prepaid card

I had a credit card that was applied for around XXXX which was originally " Air Tran ''. 
I am not sure which year ... but it was taken over by XXXX and Chase Bank. I had a balance on it through " Air Tran '' that was under a promotional rate of 3.9 % until it was paid off. During the time that I was paying down the credit card ... I never used the card for purchases. I had paid the credit card off in early XXXX. I still did not make any purchases and then in XX/XX/XXXX ... I see a {$39.00} charge. When I originally applied for this card ... there were no fees. Because I did not make purchases ... I never reviewed my statement as I just continued to make the minimum payment ... for many years. After reviewing my previous statements, I realized that they have been charging this fee since XXXX. I immediately cancelled the card. ( I had a XXXX limit on the card ) They waived the {$39.00} fee for XXXX but refused to waive the fees from the previous year. I was never given any proper notification ... no email ... nothing in the mail. I want my {$78.00} back. I asked them and they refused. I am assuming since Trump took over ... the credit card companies are back to their old ways. They started charging the {$39.00} years after they took over the credit card. They are a big bank making big money off of the little guy!!!!!