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

On XX/XX/22, at XXXXXXXX XXXX, I tried to access my checking account using a XXXX XXXX  ATM located at XXXX XXXXXXXX XXXX XXXX PA XXXX # XXXX My checking account is with Citizens Bank, but the XXXX XXXX  ATM was close to a restaurant where we had reservations. At first the ATM said " The card monetary limit exceeded please contact your financial institution. '' I tried to withdraw a lower amount but received a similar message that this withdraw could not be completed. Later the next week, when going online to see what my balance was, I noticed a {$400.00} dollar withdraw and several transaction fees. I quickly filed a complaint with Citizens Bank. 

Citizens Bank has refuted the claim that any fraud has occurred. I can not contact them directly, and they have failed to speak directly to me, nor have they asked for copies of the ATM printout. I have contacted the XXXX XXXX branch and per their teller, they have never heard from Citizens Bank regarding the transaction. 

I have made several phones calls ( they can not forward your call to the dispute department ) and have spent a lunch hour in a branch office, trying to recover my lost {$400.00}.
Product: Credit reporting

Equifax will not remove my public record of bankruptcy filed on XXXX/XXXX/2008 which was dismissed. Florida Bankruptcy Court told me that it would only remain on my credit report for 7 years from filing date. All other reporting agencies automatically removed it after 7 years from XXXX/XXXX/2008. I disputed that dispute and they only confirm that it is correct and will not remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, my husband and I filed a Debt Management Plan with XXXX XXXX XXXX and XXXX XXXX was listed. XXXX XXXX was contacted by XXXX XXXX XXXX and made aware of the plan.XXXX XXXX was paid the full amount of payment each month. In XX/XX/XXXX we were asked to come into the office to sign papers from XXXX XXXX home office concerning the XXXX. The office manager stated that the checks XXXX with held until these papers came, I asked why and told her " you can't do that '' she then assured me that they would be credited to the account and it would be ok. I read over the paper and me and my husband sign the papers. XXXX XXXX XXXX made the payments every month and was never late, we were then able to add extra money to the payments which helped us pay off the account the loan quicker the loan was paid off in XXXX of XXXX. After after checking my credit report I saw that XXXX XXXX had marked our payments XXXX XXXX and XXXX days late and that was the months the manager withheld the payment checks and the other checks that came in every month were all marked XXXX days late under the law a payment has to be an actual XXXX-day late, XXXX XXXX was aware of the debt management plan from the very beginning they were aware how the payments were going to be made and they were paid in full never XXXX days late and they kept coming up with excuses, it took me a long hard time to get even a letter from XXXX XXXX to say that the account was paid and closed. I called and tried to get this corrected XXXX XXXX refused to make the corrections to the credit reports of mine and my husband 's I would get excuses as that was between me and the credit bureaus I was also told that " well we thought you were coming in in person to pay it '' and I also would get excuses about how the mail was messed up. I charge that XXXX XXXX knowingly falsely and willingly damaged mine and my husband 's credit reports and will seek damages in court
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

My credit was ran by a mortgage company without my permission which resulted in my score to drop and shows as a hard inquiry. I called the company and they said they didnt run my credit which is a lie. I recieved the alert through XXXX. It shows an inquiry was made XX/XX/19 and XX/XX/19. The third party is called XXXX XXXX XXXX and the mortgage company that ran my credit without permission is called garden state mortgage lending.
Product: Debt collection

XXXX bill for my daughters of {$510.00} is on my credit report. The entire amount that was posted on my credit report of {$510.00} was paid to XXXX office on XX/XX/2019 at XXXX XXXX. The payment id # is XXXX. I submitted a dispute via XXXX XXXX and XXXX came back XX/XX/XXXX and said the debt is valid. I explained in my dispute that it had been paid in full. I would like it removed from the report. If it can not be removed at least show the XXXX balance.
Product: Debt collection

{$630.00} open balance. Original Creditor XXXX XXXX. I C SYSTEM LAST REPORTED XXXX XX/XX/2020. i NEVER OPEN THIS ACCOUNT ITS NOT BELONG TO ME
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so mad I could spit nails. We have heard nothing from Experian regarding the data breach. We tried to get information and were sent to an non-working contact site. How will we even know if our financial data was compromised? What 's taking so long? 

Since we have no control over credit reporting agencies, what can any consumer do to protect him/herself? We did freeze our credit in XXXX XXXX, but we understand that the hackers broke into the Experian data base around that time. I could find no email address for Experian either, but when I opened their website, it showed that I could purchase protection from them. HA! 

There seems to be little protection for citizens again big business whether it 's fraud, theft or any other kind of abuse. 

Thank you.
Product: Checking or savings account

Citi Online bank sent me a letter on XX/XX/2021 telling me that they suspected fraud on my account and they froze it. They gave me a phone number to call ( XXXX ) to get this problem resolved. 

I contacted Citi Online bank shortly after receiving their letter. I was transferred to their fraud department. I answered all of their questions including my security questions, and even my security word needed for all transactions. After supplying them all of the information, they told me that they were closing my account and that I would be issued a check within 30 days. I asked them what fraud took place. They abruptly hung up on me without supplying a reason why this was a fraudulent account.

Yesterday I contacted Citi Online bank at the same number and was again transferred to their fraud department. They did say that whomever told me that it would take 30 days to receive my money from the account they closed was in error. They said that it would actually take 30 - 60 business days to make the final confirmation, and then I should wait another 7-10 days for the check to make it through the mail. ( I was able to transfer this money to this bank in less than 3 business days ). I then went to a calendar and counted out the business days and found that I may not receive my money until the end of XXXX. I had asked the customer service representative if I would at least get interest on that money, and he said that I should not expect that. 

Since they closed the account with my money in it, they should not be able to wait four months before they give my money back to me!
Product: Money transfer, virtual currency, or money service

A domestic transfer of {$5000.00} was initiated on Sunday XX/XX/XXXX from US Bank Savings account to my XXXX XXXX ( XXXX ) checking account. The funds cleared US Bank on XX/XX/XXXX. By XX/XX/XXXX the funds had still not arrived at XXXX. I called XXXX XX/XX/XXXX- they recommended I cancel the transaction to receive my funds ASAP. I provided XXXX verbal approval to cancel the transaction. On the morning of XX/XX/XXXX funds were no longer pending at XXXX. 

By Monday, XX/XX/XXXX the funds had not arrived back at US Bank. I called US Bank- they had no record of any pending transaction. I called XXXX shortly thereafter. XXXX confirmed again the transaction was cancelled morning of XX/XX/XXXX. XXXX did not have a 15 digit trace number to provide since the transaction was cancelled. 

I called US Bank Monday, XX/XX/XXXX and spoke to representatives at US Bank for 2 hours. Eventually US Bank informed me there was no trace number since the transfer was cancelled, and they were unable to see the funds pending in my account since the cancellation of transfer had not been processed. They assured me the funds would clear by Tuesday XX/XX/XXXX close of business, and to call back Wednesday XX/XX/XXXX if I hadnt seen anything. 

Wednesday, XX/XX/XXXX arrives and still no pending deposits and no funds have arrived. Wheres the {$5000.00}? I call US Bank, and once again they have no idea. They spend 30 min trying to figure it out, but no one can tell me where the money is, if its lost, or when ( if ever it will arrive ). I have exhausted all options I am unable to reach anyone at US Bank that is able to help.
Product: Checking or savings account

Law firm illegally removed funds and placed hold on remaining funds in 3 of my Bank of America accounts. Two accounts were IRA and XXXX rollover accounts and the third was my personal checking account. This will, also, affect my taxes due to the IRS for XXXX. 
There was one non-refundable processing fee. I am involved in guardianship case # XXXX in XXXX County, XXXX, Texas in XXXX XXXX XXXX 's probate court # 2. He did not authorize this action to be taken by the attorneys so I assume bank was given fraudulent documents by attorneys of the XXXX XXXX, XXXX XXXX XXXX, specifically being XXXX XXXX XXXX and XXXX XXXX XXXX who represent my brother XXXX XXXX XXXX who opposes me in guardianship case of my mother XXXX XXXX XXXX which he filed application for XXXX/XXXX/XXXX. I filed for guardianship in XXXX XXXX and this law firm has since that time waged an unethical, illegal campaign of retaliation and ongoing witch-hunt against me for their stated purpose of wearing me down by taking funds I need to hire legal representation for myself and cause me to fear lack of funds to even pay for my and my family 's basic needs such as food, clothing, bills, etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX To whom it may concern, I was informed by your company ( XXXX ) that ( account XXXX ) ( XXXX XXXX XXXX ) was deleted from my credit report. 

I have now realized that this same item was REINSERTED onto my credit report In accordance with the requirements of the FCRA SECTION 611 ( 15 U.S.C S 1681i ) ( 5 ) ( B ) ( ii ) ( A ) ( B ) Requirements Relating To Reinsertion Of Previously Deleted Material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is Reinserted in the file, the consumer reporting agency shall notify the consumer of the Reinsertion in writing not later than 5 business days after the Reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency I have received no such Notification, This is a serious violation of the FCRA and I now reserve the right to pursue legal action for this clear violation of the FCRA! 

I demand that you immediately Delete this Account from my credit report in order to avoid legal action I will also fax this to the CFPB. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple Disputes Sent XX/XX/2022 - XX/XX/2022 Experian Response Received XX/XX/2022 Consumer Reporting Agency policy to report consumers nonpublic information is only applicable if all the disclosure requirements have been met by law by each Financial Institution under 15 U.S. Code 1638 and 15 USC 6802. I XXXX XXXX  the consumer, sent three notices certified mail about the validity and accuracy of the accounts below. The Consumer Reporting Agency was given the opportunity to ensure accuracy and produce all general disclosures with consumers written consent required by law 15 USC1681b upon there reinvestigation. In response Consumer Reporting Agency stated that all accounts are accurate and have been Validated however the Consumer Reporting Agency failed to provide any Disclosures from each Account in question 15 USC 1681i. Disclosures are in fact a part of the accuracy of each account by law under 15 USC 1638 and 15 USC 6802. Failing to provide disclosures upon reinvestigation of Accounts listed the Consumer Reporting Agency has no consent to furnish. These Accounts and the Consumer Reporting Agency have not complied with15 USC 1681e and 15 USC 1681m. I the consumer have rights and the Consumer Reporting Agency failed to comply with requirements of the law 15 U.S. Code 1681i along with other Laws and Regulations listed above that fall under The Truth and Lending Act, Consumer Financial Protection Bureau, Federal Trade Commission, Contract Law, and State Law. 

ACCOUNTS FURNISHED WITHOUT CONSENT XXXX XXXX Alleged Balance {$770.00} Total {$890.00} XXXX XXXX Alleged Balance {$800.00} Total {$1100.00} XXXX XXXX Alleged Balance {$1000.00} XXXX XXXX XXXX XXXX Closed PAID {$77.00} XXXX XXXX ACCOUNT NEVER OPEND
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX and XXXX XXXX XXXX was sent an initial dispute letter in XX/XX/XXXX of an incorrect reporting of a collections on my credit report. Both companies have been sent 3 letters with 2 being certified by mail letters in which XXXX XXXX never responded and Equifax claimed to do an investigation and stated information was verified. After asking for a reinvestigation from Equifax and demanding for detailed documentation of an original signed contract and the persons first and last name of whom Equifax spoke with at the collection agency to verify that this collection account that is listed as XXXX on my credit report is in my name. I also asked for specific steps Equifax took to investigate this collection, in return all I keep getting from Equifax is " We verified that this item belongs to you. We have verified that this item has been reported correctly '' and still showing the same info to me as listed on my credit report. This collection is being reported INCORRECTLY on my credit report. This account number with XXXX XXXX is 1 ) being reported as an incomplete account number on my credit report 2 ) this account does NOT belong to me XXXX ) Last Payment Date listed as XX/XX/XXXX is inaccurate and does n't exist. Equifax has violated the FCRA rules by not investigating this account properly and I 'm requesting this collection to be deleted from my credit report immediately.
Product: Credit card or prepaid card

I recently applied for and was approved ( XX/XX/2020 XXXX for an Amazon XXXX Rewards Visa Signature Card ( black color ) issued by JP Morgan Chase Bank. The card was sent in the mail to me, I activated it and created an online account with Chase to manage the card. The physical card is a BLACK color and the online account also showed a visual representation of the card as a BLACK. 

About 10 days later or thereabout, I received an email saying congratulations on being approved for a Amazon Rewards Visa Signature Card ( blue color ). It had the same exact 16-digit card number as the black card in my possession. I thought this was strange. I logged into my online account with Chase and I see that the visual representation of the card was changed from BLACK and is now BLUE. This meant my card was changed from an Amazon XXXX card ( with 5 % cashback rewards ) and relegated or reduced down to a regular Amazon card ( with 3 % cashback rewards ). Thi is NOT what I approved and got approved for. 

I contacted Chase Bank a NUMBER of times and I'm getting double-talk responses back that didn't address the issue of why my account card status was changed. The Chase Bank representatives suggested that maybe my Amazon account was not a XXXX account which it is and has been for 2+ years ) and therefore my card was reduced in status. 

I still have no resolution almost 2 months later now which has forced me to file this complaint. I request and want my account brought back up to Amazon XXXX Rewards Visa Signature Card status ( with 5 % cashback rewards ) because the rewards percentage difference I am being cheated out of is substantial. 

I have attached 3 image files to this complaint showing : ( 1 ) The Amazon XXXX Rewards Visa Signature Card ( black ) in my posession ( 2 ) A screenshot of my valid Amazon XXXX Membership ( 3 ) Corresponce from Chase Card Services that did NOT help resolve my situation Thank you! 
XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX transfered loan to Planet home lending XX/XX/XXXX without transfering payment XX/XX/XXXX + additional {$760.00} trying to attach a tax impound account that was not due or correct.Planet Home LENDING REFUSED TO ACCEPT CANCELED CHECKS ALONG WITH letters from the tax office to clear up the wrong information.Planet kept changing every month two three times in the month payment amount.From {$980.00} to {$3100.00} on a fixed rate loan.I was able to obtain some records online in XX/XX/XXXX ( After that Planet changed my online access so that i could not get history ) PRICIPAL CURTAILMENT + MISAPPLIED FUNDS + REVERSAL SHOW up yet no explaination or consistancy in the billing.The middle of XX/XX/XXXX I spent hours on the phone to get answers on why i could not get a copy of the so called billing to compare it to my real payments.Or a copy of the TRUST DEED who was the investor .To get transfered to a Man ( in private client of Planet Home Lending ) NOW I AM REALLY AFRAID OF WHAT IS GOING ON ... .HE claimed i have a comercial loan ... I have a copy of the appraisel shows residentail single family homes XXXX conforming legal houses on a single lot all seprate meters garages yards .Neighborhood is also small income residential property ..Planet is changing my loan ... ..refusing to get me who this investor is... THEY HAVE TRIED EVERY AVENUE TO FORCLOSE ... I HAVE NEVER MISSED A PAYMENT ... ... I HAVE LETTERS FROM THEM TO SUPPLY CFPB
Product: Mortgage

The Case number of the original complaint : XXXX We would like to follow up with the original complaint, After PHH mortgage agree to rescinding the foreclosure of the Sheriff 's sale, we are still waiting for the PHH mortgage to change the status of our home to loss Mitigation, We requested that PHH mortgage follow through and help us find the solutions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I XXXX XXXX XXXX show on my credit that your company is reporting false information on my credit. Flagship Credit Acceptance claims I open an account in XXXX FRAUD. 

I want a deletion letter asap this originated in XXXX it has been 7 years I want it removed for violation of false information! 

If I do not get a deletion letter I will report you to the XXXX XXXX XXXX, state attorney office, Federal Trade commission and consumer financial protection Bureau. 



FLAGSHIPCR XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX CHARGED OFF ACCOUNT AUTO BAD DEBT ; PLACED FOR COLLECTION ; SKIP CHARGE OFF AMOUNT IS XXXX I need this to be a priority if not I will take action and complaints will be filed. 



Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've noticed that it's accounts that I have no knowledge of on my consumer report as a result this issue is hindering me from obtaining credit account XXXX XXXX XXXX XXXX account XXXX XXXX XXXXXXXX these accounts I do not recognize please remove
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Experian are reporting repeat hard inquires on my reports. I have requested the removal of these repeat hard inquiries from my credit report on several occasions. These inquiries are negatively impacting my credit score and are in violation of consumer protection laws.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), credit reporting agencies are required to ensure that the information on credit reports is accurate and fair. Repeat hard inquiries for the same credit application or transaction are considered unfair and can result in unjust damage to a consumer 's credit score. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), creditors and credit reporting agencies must act in good faith and provide accurate information. The presence of multiple hard inquiries for the same transaction is a violation of these principles.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXX OF XXXX / {$0.00} / XX/XX/XXXXXXXX XXXX  / {$0.00} / XX/XX/XXXX XXXX XXXX/ {$16.00} / XX/XX/XXXX XXXX  / {$0.00} / XX/XX/XXXX
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 {$0.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received onXX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- AUTO ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX   opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Experian and XXXX has failed to fulfill its legal obligation under the fair credit reporting act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian and XXXX alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed items dispute the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian and XXXX inaction violates federal law and my rights as a consumer. 
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