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

On XX/XX/XXXX, I had a customer make a transaction through my business venmo account for the amount of {$2200.00} and then another payment made on XX/XX/XXXX in the amount of {$2800.00} for items that i was shipping to him. Everything was okay, i shipped out the items to the customer and they were delivered to him on XX/XX/XXXX. On XX/XX/XXXX, I got an email stating that the customer is disputing the charges and he did not receive the items. So i provided venmo with all the necessary information needed to support this persons dispute, in reality he was trying to scam me. Long story short when he disputed these transactions it sent my account to be frozen because you cant accrue disputes through your business account or you can have your account frozen and they hold the money for XXXX for " liability reasons '' .They investigated my customers claim and denied the claim and deemed it in favor of me due to me being able to provide, the tracking info and it being delivered to his house, itemized receipts of the items and the cost. So needless to say, i have now shipped and this customer has received {$5000.00} in items that i have not gotten paid for and dont have the items any longer. I can not get anything other than the same copy and paste scripted answer from anyone i talk to. Why are the funds being held still for liability reasoning when these transactions are the only two transactions made. Venmo denied his claim and deemed my favor which the funds remain mine. My account initially was froze because of this customer disputing these charges but in reality he tried to receive my items and then once they delivered, he tried to dispute the charges and say he didnt receive it. So why is it that i am being told to wait when this customer caused the funds to be frozen but the dispute was denied so after the dispute investigation the funds for these transactions should be released to me. Im so sick of dealing with this platform. Its nothing but issues along with a bunch of others based on my research.
Product: Credit card

I received an email from Citibank stating I owed {$95.00}. I do not have nor have I ever had a Citibank credit card. I called Citibank and explained that I did not have an account with them and that I had received an email the lady told me to forward the email and gave me the address to forward it to. When I went back to the email it was no longer there. I called citibank again and the lady looked up using my social security and date of birth to see if there was an account, but she could not find an account and told me not to worry about it. A month later I received a bill. I called again re explained the above and was told do n't worry about it because she could not find an account. The following month another bill came I called again and this time I was told to call XXXX that this was the fraud department. I have been trying to call for the last 3 days but the phone is always busy. I do n't know what else to do. Can you help me get this resolved?.
Product: Checking or savings account

XX/XX/23 I was notified that PNC Bank was questioning {$8400.00} check clearing my account. I called the customer service dept. immediately as directed. This was a fraudulent check that PNC let clear my account EVEN THOUGH THE NAME ON THE CHECK WAS NOT AN AUTHORIZED SIGNER ON THE ACCOUNT. This started XXXX days of misinformation given by both their customer service department and their account takeover department. I had to close the old account, open new account, set up auto credits and debits, buy new checks and notify outstanding check recipient 's of the problem. First I was told by XXXX in customer service that I didn't have to do anything, the money would go back into my account. After thinking about it that didn't sound right which prompted XXXX other calls, XXXX of which gave misinformation, and finally being directed to the account take over department. There, I spent a total of XXXX hours and XXXX minutes on hold XXXX different times getting more misinformation. XXXX told me that all checks would clear, but I would have to call in each time I saw XXXX in the old account and release it. WRONG! That's not what happens. Any outstanding checks bounce! Which caused XXXX of the people I wrote checks to to accrue charges of {$25.00} each from their banks for a returned check. THEN, the money I transferred over from the old to the new account bounced back. After speaking to Account Takeover Dept again was told that the original person that transferred the money missed a step so the money went back. Imagine if checks had been written on the new account-more bounced checks. I have names, dates, times, hold times, everything documented. This whole thing was a nightmare that didn't have to happen if PNC had not let a check clear written my someone not on the original account. I'm out the cost of new checks and XXXX {$25.00} bounced checks that I had to cover. Not to mention a total of XXXX hours and XXXX minutes spent on the phone with XXXX  from PNC.
Product: Debt collection

In XXXX, I closed my account with XXXX XXXX due to the fact that I never had service and my phone always said mobile network not available. I only had the phone for a few months and made several attempts to resolve the issue via customer service, which never fixed the problem.. I went in to the XXXX  store on three occasions to update and receive a new phone. My account was locked? they dont know why, but i never received a new phone. I also made a payment to them in XXXX for {$36.00}. and change for the service and another {$58.00} and change in XXXX to upgrade my phone, that never happened.XXXX charged another month on XX/XX/XXXX for {$36.00} and change after I had closed my account..I asked XXXX  to send me a paper invoice and I would be happy to pay the balance. I was told, " we don't XXXX  paper statements ''. So this account was turned over to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Mo XXXX. They made numerous calls to me and I told them I would not pay for the amount is incorrect. So they contacted XXXX and filed a collection report against me for over $ XXXX the new amount to file a collection report. 
On XX/XX/2023 I filed a dispute with XXXX stating the above information and it was deleted from my report, but not after losing XXXX points on my credit report. My report number to XXXX is XXXX After I was contacted by XXXX about the deleted collection report, I contacted the collection company and requested that they contact XXXX and report their mistake. I think that they fudged the bill over {$100.00} so as it would be included on my credit report as a collection of a debt.
Product: Checking or savings account

We opened a High Yield Savings account in XXXX with BMO XXXX. We deposited {$30000.00} into the account. We then paid student loan payment and had an automatic deposit from a paycheck go into the account. Right after, we received a notification that the account was restricted. I attempted to call multiple times and was told there was no issue with the account. 

Fast forward to the end of XXXX, our employer reported that the {$1000.00} that was to be auto-deposited into the HYSA from wages was returned to the employer due to account freeze/restriction. 

Every time we call, theres a new hoop to jump through. We have submitted every item that has been asked of us. But still the account remains frozen. 

When I call, I often get accidentally disconnected starting the process to speak to a person all over again. Or I will encounter their voicemail. 

Today, before XXXX, I was told that they had all the info they needed and the account would be unfrozen within a few hours. It is now XXXX hours later and still the account remains frozen, our money inaccessible. Their customer service line says theyre only open until XXXX. 

We need help getting the money back. At this point, all I want to do is close the account.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan for the amount of {$6000.00} with Upstart on XX/XX/2022, XXXX XXXX. My loan was approved on XX/XX/2022. Subsequently, I tried to accept the loan on XX/XX/2022 in the XXXX and was denied based on the hard pull that was done on my credit file after my acceptance of the loan. The reason for denial included in the adverse notice was " monthly debt obligations increased by more than XXXX XXXX of total verified income or {$200.00} since application. '' I called Upstart to understand what changed over the weekend as I knew for a fact that nothing had change to which Upstart wasn't able to provide me any further explanation or facts about my monthly obligations during the application and post approval of the loan which was provided as a reason for declination on the adverse notice and asked me to contact XXXX and XXXX to obtain clarification. I reached out to both the credit bureaus and confirmed that nothing had changed in my credit report/file between XX/XX/2022 to XX/XX/2022. I also have copies of my credit report from XX/XX/2022 and XX/XX/2022 which confirms that nothing changed. I have talked with the team lead as well at Upstart and she wasn't able to provide me further explanations or rationale of their decision other than what was mentioned in the adverse notice. She kept on asking me to reach out to credit bureaus to obtain further clarification ( which i had already done before talking to her and mentioned it to her ). As such, I strongly believe that the declination reason provided by Upstart is inaccurate and my application was declined incorrectly and inappropriately and/or Upstart is unable to provide me detailed explanation to me of their declination decisions which I as a consumer is entitled to under the Equal Credit Opportunity Act ( ECOA ). As such, this demonstrates their failure to comply with ECOA as well.
Product: Credit card or prepaid card

An online purchase was made on XXXX/XXXX/2017 for the amount of {$460.00} The merchant was XXXX and the shipping company was XXXX. On several occasions, I notified XXXX  that I live in a high-theft apartment building and that my signature is required. I also informed XXXX that my building has an " on-site '' property management office that operates during normal business hours ( M-F/XXXX ), so if I 'm not home, there is an alternate option.
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I received a mobile text message to my personal cell number that the item in question was delivered. At the time I received the message, I was at my work office which is located in a different city ( XXXX, CA ). I immediately contacted XXXX XXXX customer service number and asked if the item was delivered to the onsite management office since I was n't home and there was no one there to accept the delivery. The XXXX customer service rep ( in XXXX ) said that it was delivered and that was all the info they had.
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When I got home from work, there was no delivery. I then initiated a " contested charge '' with Citi Cards and explained that the shipper ( XXXX ) did not acquire " MY '' signature and I did n't take delivery of the item and that either A ) the item was simply left at my door or B ) someone else signed for the item.
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Then I contacted XXXX again to get details about what happened. They said they spoke to XXXX and that they acquired a signature from someone named " XXXX ''. I explained that 1 ) that 's not me, 2 ) there 's no " XXXX '' at my residence, and 3 ) if you compared signatures from what was collected and mine, it would be obvious that they did n't collect MY signature.
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Citi Bank Billing Dispute Dept. " claimed '' they conducted an investigation, which did n't even include a signature comparison. I provided Citi Bank Dispute Dept. a signed document stating 1 ) I did n't receive the item, and 2 ) a copy of my California State Drivers Licence which has my signature on it as a reference. Citi Bank has stated that the investigation has been closed and they reversed the conditional credit. How is that possible?
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I demand that Citi Bank Billing Dispute Dept. apply a credit of {$460.00} since they did n't conduct a MEANINGFUL investigation which would have provided overwhelming evidence that XXXX failed to follow procedure in acquiring MY SIGNATURE for this item, OR, to follow the instructions given to XXXX to deliver the item to a secure location ( onsite property management office ).
Product: Student loan

I have been contacting Action Financial services since XX/XX/2019 about my account. In XXXX I spoke with Mr. XXXX XXXX and on XX/XX/2019 & XX/XX/2019 I spoke with Mr . XXXX XXXX. XXXX XXXX lied and said we never spoke but he was the person I faxed my 1040 form to. He admitted that his company made an error and I was reimbursed for the money they took from XXXX to XXXX and Mr . XXXX XXXX sent a letter to my job to stop the garnishments. Mr . XXXX XXXX did not put me into the repay program and they are still garnishing money out of my paycheck every month ; {$600.00} a month! I have sent my 1040 form that his been signed since XX/XX/2019 @ XXXX and I also have several fax confirmations of what was sent. Mr . XXXX XXXX has lied repeatedly saying he never spoke to me and I have proof that we spoke and that he did in-fact send the information to my HR Department. I have also spoken to Mr. XXXX XXXX and he too ignored my 1040 and still did not put me in the program. ON XX/XX/2019 I was on a three way with XXXX from XXXX XXXX XXXX XXXX XXXX. and I called Acton Financial services at XXXX and now the call goes straight to voicemail ; I spoke to XXXX XXXX on XX/XX/2019 and Mr. XXXX XXXX who hung up on me when I told him I re faxed my 1040 for the 50 th time. I also told Mr. XXXX that I reported his company and he hung up on me! I have repeatedly sent the information that they need and yet the keep garnishing my money.
Product: Credit card

Chase Bank disabled my credit card around XX/XX/XXXX, because there were international transactions that were not conducted by me ( at least this is what they told me, saying someone tried to swipe my card in XXXX or XXXX ), to protect me, which is good. 
However, Chase decided to close my account around XX/XX/XXXX without telling me any reason, while I was away with no knowledge, and when I came back, Chase told me that since the account had been closed over three months, they could not give me the rewards points I earned for about 3 years, which was over {$1000.00}
Product: Credit reporting

I was released from State tax debt and Federal tax debt by filling out an innocent spouse forms. The credit bureaus have stated that they are either paid or released, which I did n't pay them I was released from those debts. And they are still on my credit reports. I feel that they should be completely removed from my credit reports since it was never my debt, it was my ex husbands debt from his business which was not in my name. And XXXX credit bureau does n't have that these tax liens were released from my name.
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 violates the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and affective 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: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN and AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute fraudulent items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/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

XXXX XXXX, XXXX, XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax, Experian, Transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Bank of America is practicing unfair and deceptive descriptions and processing regarding credit card autopays. The attached PDF includes proof of banking industry standard regarding autopay, the CFPB 's description and definition of autopay, and the despicable way in which Bank of America utilizes the term " autopay '' when they know it is not autopay. 

The CFPB recently passed Part 425 Rule concerning recurring subscriptions and other negative option programs and the CFPB calls for Clear and Conspicuous disclosure that is easy to understand by ordinary consumers.
I've provided pictures of what other Banks are doing to provide clear disclosures around this service and what BofA does that is so misleading and wrong. 

I hope you will give this information a good hearing and put an end to Bank of America 's deceptive practice regarding Autopay for credit cards.
Product: Mortgage

I filed for acceptance in the XXXX program with my servicer, Wells Fargo Home Mortgage. I was denied acceptance into the program for the Underwriter intentionally miscalculated and included my bankruptcy payment. They had been notified that the bankruptcy was to be dismissed, not discharged, on XXXX XXXX, 2016. Not once was I offered assistance with the XXXX Program. I contacted the XXXX number and was counseled by XXXX XXXX. I contacted XXXX and am now awaiting assistance from a XXXX who contacted me on XXXX XXXX. XXXX XXXX, who is assigned to work with me at WFHM stated I was denied for the XXXX because my investor rejected it. When I asked her the name of my investor, she stated XXXX FHA. On XXXX XXXX I received a call from XXXX stating she was with the XXXX XXXX of XXXX. She conferenced XXXX into the conversation and prompted her to look for the qualifying criteria for the HAUP. XXXX ( after stating to us she was familiarizing herself with the program while on the phone with us ) stated to me in order to qualify for the XXXX that I had to be actively seeking unemployment and that 's the reason I was denied, for I did n't state on the documents that I was actively seeking unemployment. I thereby stated, " Anyone with common sense knows that if you are receiving unemployment in the state of Texas, job search is a requirement and nobody told me that I had to state that on the documents that I faxed in to them for the HAMP program. Nowhere on the forms does it ask are you actively seeking unemployment. '' What kind of games are they playing? 
I submitted all requested documents timely. The point is .... Although I submitted my award letter from the State of Texas verifying I was unemployed ... Wells Fargo FAILED to consider me for the Unemployment Program. 
I was transferred to the Special Forbearance Dept of Wells Fargo by XXXX on XXXX XXXX and spoke to someone who identified themselves as XXXX XXXX. He assured me someone would contact me on XXXX XXXX. No one ever called. Now I 'm being told to resubmit paperwork for an appeal. Why do they send people through this unnecessary stress? 
Did n't the Federal Government allot monies for these programs so the investors at this bank would be compensated? 
They never offered to extend the duration of my mortgage to lower my payments. 
They never offered to reduce my interest rate to lower my payments. 
Their only offer is a short sale or deed in lieu for my home! 
It 's as if they intentionally SET THE HOMEOWNERS UP FOR FAILURE! That is their intent! 
Now, I do n't trust them to have my best interest in assisting me in keeping my home. 
They are going to get their money, just work with us, but ... unfortunately, they do n't seem to care. 
My prayer is XXXX XXXX for Wells Fargo Home Mortgage. 
Shame on you Wells Fargo Home Mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccuracies in my credit report and formally request corrections to ensure its accuracy. Upon review, I found multiple discrepancies regarding my address history. These address are not associated with me and must be removed. 

The incorrect information to be removed includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my credit report with the following correct information : Full Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To support my request, I have included copies of : My government-issued ID confirming my name and date of birth A recent utility bill verifying my current address My Social Security card to confirm my SSN This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request the following actions : Conduct an investigation to identify and remove inaccurate information.

Update my credit report with the correct details provided. 
Send me written confirmation once the corrections are made, along with an updated credit report.
Product: Debt collection

I was involved in a workplace accident while working for XXXX XXXX XXXX  in XXXX, Arizona in XX/XX/2013. I spent 2 days in the hospital in XXXX and collected tens of thousands of dollars in medical bills. The Industrial Commission of Arizona ruled in my favor and found my company, XXXX XXXX XXXX, to be at fault for the accident and ruled that they pay my medical bills in their entirety. They paid all of my bills, except {$840.00} for an XXXX service for XXXX I had because of the accident. 

Now, after applying for a mortgage, when my lender ran my credit score, I discovered this outstanding bill that is in collection with an agency called TCS Thunderbird in XXXX, AZ. Their number is XXXX-XXXX-XXXX. Today I spoke with XXXX who is in charge of my bill, and he said that I am now liable because of the amount of time that has passed. He also told me that filing an appeal or dispute was pointless because of the amount of time that has passed.