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

I am writing to bring to your attention a concerning experience I have encountered with Current, an online banking service, regarding the handling of my account and the delay in resolving a critical issue. 

On XX/XX/year>, I initiated a transfer of funds from my XXXX XXXX account to my newly opened Current online banking account, totaling {$3400.00}. This transfer was made with the intention of saving for a significant deposit on a new living arrangement, as my current residence has become uninhabitable due to various issues. The funds successfully reached my Current account on XX/XX/year>. However, to my dismay, upon logging into my Current app, I discovered a small red banner indicating that my account had been locked without any prior notification. Despite diligently checking my email for any correspondence, I did not receive any communication regarding the lock. I immediately sought assistance through the app 's chat function, only to find it unhelpful as I was merely informed that my account was under review. No details regarding the reason for the review, its expected duration, or potential resolution were provided. Frustrated by the lack of clarity and the urgency of my situation, I attempted to contact Current 's customer service via phone. Regrettably, locating their contact information was challenging, and upon finally reaching them, I was informed that their fraud team was investigating the matter and that I would be contacted once a resolution was reached. Despite their assurances, a whole month has elapsed since the funds were transferred into my account, and I am still without access to them. As of XX/XX/year>, I am deeply distressed by the prolonged delay and lack of communication from Current. I am in urgent need of these funds to secure alternative housing and have shown considerable patience in awaiting a resolution from the institution. However, the continued absence of clarity and access to my funds has placed me in a precarious financial situation. I implore the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that Current provides a swift and satisfactory resolution. My ultimate desire is to have the funds returned to their original source, as the current circumstances have caused undue distress and inconvenience. 

Thank you for your attention to this matter. I trust that your intervention will lead to a fair and expedient resolution.
Product: Credit card or prepaid card

I am an American Express Serve card holder, and Im currently having problems with direct deposit. Several other customers are having the same issue and the company os offering us absolutely no details and have had the same response for days. Ive been hung up on by customer service reps, told multiple different etas as to when I will get my funds, and jus been treated with the impression that the company does not care. All the have offered any of the customers is template responses that change every few hours. We all have bills to pay and this company is holding all of our money with no explanation.
Product: Bank account or service

I opened an account at the PNC Bank XXXX XXXX, 2015. I received a document showing a Routing number of XXXX, a {$25.00} deposit into a Virtual Wallet Account and a confirmation number XXXX. I called PNC, at XXXX about not having received an account number. They could not find my account using the confirmation number or my social security number. They have {$25.00} that was used as the initial deposit.
Product: Debt collection

This was not sent in error, I am a consumer by law and my information was misused and now I have some false not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 


Company : CITI Account # : XXXX
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX I noticed a charge on my prepaid debit card for XXXX deducted from my prepaid debit card from a XXXX XXXX store. This store charged me for a phone i did not purchase and left with the merchant. I called NetSpend, who say that they credited the card. On Friday eve XX/XX/XXXX this unauthorized charge reappeared on my card, so On Saturday XX/XX/XXXX I called and explained again that this charge was not authorized, I sent them proof from my current carrier, showing that I did not authorize nor did I purchase this phone. The representative, blocked my card, without notice, and hung up on me. When I called back and requested to speak with a supervisor, three other representatives hung up on me, it took me three hours to reach a supervisor, who apologizes, and stated that the card should not have been blocked, and he rushed me another card. I got three cards that weren't active in the mail, and some snotty man in escalated billing reactivated the card they blocked that Saturday, leaving me open to this merchant. It has been over two weeks, they have not replaced my money, and are ignoring my emails regarding my dispute. They refuse to return the money withdrawn from my account or provide me a provisional credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am filing a formal complaint regarding inaccurate delinquency reporting on my credit file related to my student loans. Nelnet incorrectly reported my loans as delinquent in XX/XX/year> to all three major credit bureausExperian, XXXX, and XXXX. This reporting is inaccurate for the following reasons : -My loans were in forbearance, meaning no payments were due at the time. 
-The loan balance was transferred from Nelnet XXXX XXXX ( a federal student loan agency ) in XX/XX/year>, meaning Nelnet no longer serviced or owned the loan at the time of the reported delinquency. 
-I have no recordelectronic or papershowing that any payment was due for the reported period. 
-There is no documentation indicating that I was required to make payments on the dates associated with the delinquency. 

Since this erroneous reporting has negatively impacted my credit score, I request CFPBs assistance in investigating this matter and ensuring that these inaccuracies are removed from my credit report. I ask that CFPB hold Nelnet and the credit bureaus accountable for reporting only verifiable and accurate information per the Fair Credit Reporting Act ( FCRA ). 

I appreciate your prompt attention to this issue. Please keep me informed of any actions taken regarding my complaint. 
Thank you.
Product: Checking or savings account

I am writing to report a serious heartbreaking issue with Charles Schwab Bank. They are holding my money hostage, and because of this, my XXXX XXXX and I are on the brink of starvation. Every day, I watch my kids go hungry because I can not access the funds that rightfully belong to me. Despite my desperate pleas and multiple attempts to resolve this with the bank, they have shown no compassion or urgency in releasing my money. The situation is unbearable and is causing immense emotional and physical suffering for my family. Please, I beg you to help us in this dire time of need.
Product: Credit reporting, credit repair services, or other personal consumer reports

An erroneous Chapter XXXX is reporting on my credit report and LexisNexis will not provide Method of Verification
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 


Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been invested into different Cryptocurrencies through a United States based exchanged called Coinbase. I have used this exchange for the last 4-6 years. I have bought Crypto, sold Crypto, converted, and sent Crypto from Coinbase over the last 4-6 years.

Recently, in the past 4-6 months, my account has been locked from buying/depositing/selling/sending/ or withdrawing.

When I go to the website to seek on learning why my account has been locked, Coinbase says that they need to review my account. After many attempts on learning of the review process, Coinbase finally got back to me and said " We have completed your account review, and buy/deposit/sell/send/withdraw services remain XXXX at this time . You are still able to receive any cryptocurrency you currently have on Coinbase. '' This has happened 3 times over the past 4-6 months. 

It's the same revolving " solution '' as there is no true solution. 

So, now I have money on that account with no way to withdraw the money and be done with the account. 

Coinbase has not offered any solutions on how to fix this. I only get an email to try reviewing the account in 30 days. 

I need help to get my money off of this horrible exchange.
Product: Credit card

XXXX Dispute Summary Case XXXX On XX/XX/XXXX, I filed a dispute with XXXX XXXX Avant  Credit Card reporting a late payment for XX/XX/year>. I provided both bank and credit card statements showing XXXX payments totaling {$520.00} for XXXX. 

While Avant initially corrected my report, they moved the late payment to XX/XX/year>. I filed another dispute, supplying the same documents proving I made XXXX payments totaling {$520.00} in XXXX. After multiple phone conversations, they confirmed that I was not late in either XXXX or XXXX. 

However, the dispute results came back with the late payment moved back to XXXX. Every time I dispute, they alternate the late payment between XXXX and XXXX, despite having already verified the information as accurate. 

Additionally, my report incorrectly shows a {$25.00} payment for XXXX instead of the correct {$520.00}, which brought my balance to zero. I pay off my cards monthly, making it impossible for any late payments to occur. Despite XXXX reviewing my statements and agreeing with me, they continue to allow Avant to switch the late payment between months, even though the issue has been resolved multiple times.
Product: Debt collection

I XXXX XXXX a natural person consumer pursuant to 15 U.S.C 1692a ( 4 ) I am the creditor who extend credit creating a debt. Debt which means any obligation or alleged obligation which this is alleged pursuant to 15 U.S.C 1692a ( 5 ). You P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 1 ) you obtained my location information fraudulently. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 2 ) you stated that i the consumer owes an debt. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692b ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt .P & B Capital Group LLC is in violation consumer rights under Fair credit Reporting Act 15 U.S.C 1692c ( a ) without the prior consumer consent given directly to the debt collector. P & B Capital Group LLC is in violation Pursuant to 15 U.S.C 1692d ( 1 ) harassment or abuse, use or threat of us of violence or other criminal means to harm the physical person, reputation, or property of any person. You damages my consumer report. P & B Capital Group LLC is in violation pursuant to 15 U.S.C 1692f false and mislending information. P & B Capital Group LLC is in violation 15 usc 1692e ( 2 ) ( A ) the false representations of the character amount, or legal status of any debt. P & B Capital Group LLC is in violation pursuant to 15 usc 1692f ( 1 ) unfair practices, collection and amount unless such amount is expressly authorized permitted by law. Violating 15 USC 1692f ( 8 ).
Product: Debt collection

National Credit Audit Corporation ( NCAC ) XXXX XXXX XXXX XXXX, TX XXXX has reported to all major credit reporting agencies of an alleged debt which they purchased from an apartment complex where I previously resided. 

On XX/XX/2019 I received written notification of this alleged debt. On or about XX/XX/2019 and again on or about XX/XX/2019 I requested the following of National Credit Audit Corporation ( NCAC ) : in accordance with Section 809 - Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide me, in writing, the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay National Credit Audit Corporation ( NCAC ) what you say I owe ; Identify the original creditor ; Provide a verification or copy of any judgment ( if applicable ) ; Show me that you are licensed in my state and provide me with your license numbers ( if applicable ). 

Finally, in accordance with section 805 ( c ) - Ceasing Collections, of the Fair Debt Collection Act, do not contact me about this or any other matter, except by official mail and then only to advise me that your debt collection efforts are being terminated or that you are taking specific actions allowed by law. 

To date National Credit Audit Corporation ( NCAC ) has failed to provide the requested documentation. There is not written documentation of me entering into any agreement with National Credit Audit Corporation ( NCAC ) and this was a debt National Credit Audit Corporation ( NCAC ) purchased from the originalcreditor, yet they alleged I owe them ( National Credit Audit Corporation ( NCAC ) this debt and at the amount of the alleged original debt and not the amount they purchased this debt.
Product: Checking or savings account

On XX/XX/XXXX, my daughter received a text, addressed to ME, from Chime bank, stating to expect my Chime Debit card in the mail. She notified me immediately. I've never even heard of Chime. 

I immediately contacted Chime ( support at chime dot com ) via email, and inquired as to how to close this fraudulently opened account. 

Chime is requesting a photo of my ID, as well as a photo of my Social Security Card, in order to close this account, stating they need this information to verify my identity. This is AFTER they asked for the last 4 of my Social, my email address, my phone number, my address, all things that can be used to identify me. I do NOT understand why, after providing details I am already uncomfortable providing, to a bank that DID NOT REQUIRE THESE DETAILS WHEN THE ACCOUNT WAS FRAUDULENTLY OPENED BY SOMEONE, they now what photos of sensitive documents. 

I am MORE THAN HAPPY to provide a photo of my passport and a utility bill, but there is NO WAY I am going to photograph my Social Security card and send it to a bank that required NO form of ID, to open the account, in the first place. Especialky when I already gave them the last 4 of my Social, so they can verify my ID that way.

In addition, SEVERAL employees asked for this same information! I can't even get a single, dedicated person assigned to help me close this fraudulently opened account. Instead, it's being passed around from employee to employee, and instead of LOOKING at the information I've ALREADY provided, they're asking for the same information, over and over again. 

To further complicate matters, I'm currently XXXX on a XXXX  ( with no way of opening an account- I had to get special permission from my command just to post here, because there's NO internet underwater, and limited internet when we surface ). They're expecting me to take pictures of personally identifying documents, in a place ( XXXX XXXX XXXX ) where cameras just aren't allowed, for obvious reasons! 

I just want any account that was fraudulently opened, closed, IMMEDIATELY. 

I have also submitted report to identity theft dot gov.
Product: Mortgage

In  XXXX  of  XXXX , I received a notice from   XXXX   XXXX   XXXX   XXXX   that my loan was being transfered to Shellpoint mortgage. They sent me a bill in  XXXX  and I have been paying. However, very prominently displayed on my statement ( attached ) is a demand for {$29.00},   XXXX   I was shocked. I called to inquire and the representative said it was legal fees from when I modified my loan with   XXXX   XXXX   XXXX   in  XXXX . I was told it would come off the  XXXX  statement. However, when I called in  XXXX , I was told that I might owe this money. How can I owe this money when the modification happened in  XXXX  and I have been current and paying my bills?
The second issue is that this mortgage company has put forced placed insurance on me when they know that there is no structure to be insured.  XXXX  of  XXXX , the house for this mortgage burned down -- only the land remained. Even though I have been living like a dog, in trailer without water or electricy, I work two jobs to pay my mortgage. That property is all I have. ( You can read about my struggles in w  XXXX   ). I would like help before I get caught in the bureaucracy of this crazy lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX Credit Card Account # XXXX Date opened : XX/XX/XXXX Date Paid and Closed : XX/XX/XXXX Credit card that was closed on XX/XX/XXXX Amount : {$1.00}, XXXX 
This account was closed and is also too old to be on my credit report. 
I have wrote the company and emailed the company and it still has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX US Dept of Education Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX Dept of Ed/XXXX Account # XXXX XXXX of Ed/XXXX Account # XXXX Dept of Ed/XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX have 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.
Product: Credit reporting or other personal consumer reports

Problems 2 years ongoing company 's denied due TransUnion .order credit report dispute accounts that doesn't belong. Notice due ton going dispute the accounts was removed then was reattached notice soon as my credit report reach XXXX marks. My scores decreased for any giving reason. While XXXX, XXXX continue to increase. There is problems some were in TransUnion computer systems attack below is printed out TransUnion soon reach XXXX marks it dropped Down XXXX. I'm Making on time payments. No other new accounts opened
Product: Mortgage

When signing for a loan estimate with Sovereign Lending Group on XX/XX/2019 I was told I had 48 hours to cancel the transaction. After reviewing the documents I questioned several items via email ( on XX/XX/XXXX ) and didnt receive a response. As the 48 hour deadline approached with no response I requested a cancellation and my deposit refunded on XX/XX/XXXX. This was for a VA XXXX which didnt require an appraisal, pest inspection, or points but I found all of those items within the loan estimate. I specifically told them I would not sign an agreement to purchase by down points but they slipped that on there as well. I heard back from them on XX/XX/XXXX saying they were unable to read their emails and they apologized. They didnt address the cancellation or any questions I had posed to them. Consequently, I ended up having to challenge the charge on my credit card. I just heard from the credit card company and they stated they received a response from Sovereign Lending Group in XXXX XXXX, CA. They are reviewing their response but it appears Sovereign is trying to keep the deposit.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, On XXXX I initiated a dispute with Wells Fargo Bank concerning fraudulent charges that were made in my checking account. However, rather than conducting a thorough investigation, Wells Fargo Bank hastly denied my claim in less than 24 hours on XXXX ( Screenshots Attached ). As can be seen in documents provided the disputed transactions are highlighted which include 25 transactions between XXXX and XXXX.It is evident that Wells Fargo Bank did not take the necessary time to conduct a diligent investigation into my dispute especially with charges being made in another state ( New Mexico ) which I've never been to, which was told to the customer service agent I spoke with over the phone. Overall the swift dismissal of my claim suggests a lack of genuine consideration I urge the Consumer Financial Protection Bureau to launch a full investigation into Wells Fargo Bank 's dispute resolution practices and to hold them accountable for their negligence.
Product: Credit card

I opened a credit card in XXXX of 2023. I was promised a physical card in the mail but I still have yet to receive a card. I have no access to use this credit and have not made any purchases except the initial purchase made when I applied for it at Old Navy. 

I had called them previously to ask on status and it seems that they blew me off on getting me the card but have no problem calling me about interest payments, which is unfathomable considering I cant even use the XXXX card anyway. What is going on here?
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in XXXXXXXX  So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX Equifax : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX XXXX : XXXX, date filed XX/XX/2013, reference # XXXX See attachment