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

I called XX/XX/XXXX asked that my funds be mailed to me I was told they would be to my home in 7 to 10 days here we are on the XX/XX/XXXX and my money is still in the account it 's my social security for me and my children this is all we have to live off and they are taken there time to get it to me. And said the only way for me to receive my funds is to wait for a certain department to handle the closing and mail me my checks. I do n't believe that it is being handled correctly and they should not be able to hold my funds. There should be options in how you receive your money and those options should be quick. Not to there discretion or when ever they feel like it.
Product: Payday loan

Filed chp XXXX and included all loans, being harassed for payment by XXXX and XXXX. My attorney contacted them to cease and desist. They continue to harass me with emails threatening a lawsuit.
Product: Checking or savings account

They froze my accounts because they suspected fraud. I did not knowingly commit fraud. US Bank did not contact me before they froze my accounts. I could not pay any bills. I could not purchase any medications that I needed. I am a XXXX  and I XXXX  from XXXX XXXX XXXX. I could not pay bills and as a result I was charged late fees because of the bank. I called and asked for my money several times. They froze my accounts ( 3 total business acct, personal checking acct, and a savings account ) on XXXX, XX/XX/2023 and nothing has been done to help me. I explained to the bank representatives that I was on a fixed income ( retired teacher ) and that I needed my money. I just need them to give my money back to me. The US Bank has sent me letters referencing this issue. Someone wired me {$84000.00}. I did not realize at first that it was part of a debt owed to me. I told them to send it back. I wrote a letter asking that the {$84000.00} be returned to me. It was put in my business account. They have not returned this money to me. Since they froze my accounts, I can not access them at all.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , inc ) due to inadequate customer Service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically cash app to take timely and effective measures to prevent and address on fraud on their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirement 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 or other personal consumer reports

I recently reviewed my credit report and I noticed i had fraud accounts on my report. please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX Account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.
Product: Mortgage

On XX/XX/XXXX at about XXXX XXXX someone from FAY or hired from Fay servicing First of all someone taped a letter to my door extremely early this morning ( it was still dark out ) My security cameras alerted me because the person was lurking in my windows and tried opening my front door. I did call the police as attempted break in. That is when I found this letter attached left on my door. So now that I know it was someone from Fay I suggest you know that there has been a police report filed and security camera footage given to police. I do not know what you think you are doing. The letter also states that you tried to contact numerous times and that is also false and the letter dated XX/XX/XXXX and put on my door XX/XX/XXXX and mortgage is not even more than 3 days late on XX/XX/XXXX. I have zero missed calls from Fay and I have only received bills from you. You should let us know what creeper you sent to my house and my hidden cameras caught them. So if Fay is going to stalk my home then you will have problems.They put letters on my door with lies. This stalking me, I keep records of everything and whatever courier or employee you used is a creep and I will press charges. I was petrified at a break in. My niece and nephew were in the home and this is dangerous. And even as of today on XX/XX/XXXX I am am 38 days late and will be making a payment within the week. I have also had nothing but issues since they took from XXXX. They were attacking me and not sending out information. They did not even record until XX/XX/XXXX and were harrassing me in XXXX and somehow are missing a payment from XXXX which has caused the late issue. Then this morning I sent them an email after this debacle at XXXX XXXX. Then at XXXX XXXX This XXXX XXXX emailed me saying she has not heard from me for awhile.Which is just a generic email and she obviously is just trying to look like she is doing her job while not even acknowledging the email I sent her 6 hours prior. All I receive from them are my bills and there is no need for any other correspondence. Also I have zero missed calls from them so they are not trying to contact me and as of last month XXXX XXXX was contact not the XXXX XXXX. 

Also their customer service email has never responded to emails from even 6 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have successfully disputed numerous accounts from the exact same companies on XXXX  and XXXX, however when I try to do the same on experience, its seems unless I buy a product from them there is an adverse response to my disputed items. This has resulted in over a XXXX point difference in my credit scores and has hampered my efforts to buy a home
Product: Debt collection

Collector is saying I owe XXXX form XX/XX/XXXX, its XX/XX/XXXX now. Its a balance of {$170.00} and they I have told them I have paid off this amount back in XX/XX/XXXX, they keep calling and saying need to pay, I need to pay.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account name XXXX Account # XXXX Account name XXXXXXXX XXXX XXXXXXXX account # XXXX Account name XXXX XXXX XXXXXXXX Account name XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX Account # XXXX Account name XXXX & XXXX XXXX Account # XXXX Account name XXXX XXXX account # XXXX Account name XXXX XXXXXXXX Account XXXX XXXX Account name XXXXXXXX XXXX XXXXXXXX Account # XXXX Account name XXXX XXXX XXXX account # XXXX XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX XXXXXXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A states I have the right to privacy.

15 U.C.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedated the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or to believe that the information is inaccurate
Product: Money transfer, virtual currency, or money service

XX/XX/2022 I was selling a bed on XXXX and I get a response asking if I accepted XXXX which I had never used before but I knew it was through the bank I use so I agreed. After that I get an email from XXXX saying I needed to activate my account. While I should have realized I shouldnt send money to XXXX at the time, I had also never used XXXX and trusted the email. After transferring XXXX dollars 2 times for a total {$400.00} it asked me they asked me to send another {$100.00} which I refused due to only having {$35.00} left in my bank. When I requested XXXX for a refund and stated I no longer wanted to activate my account they stopped responding. At this point I realized it was a scam and that night ( might have been the following day not sure if it was after midnight or not ) I filed a police report which I can contact the police department to get the report number and also as soon as my bank opened I reported fraud and they said they would look into it and get back to me which could take up to 90 days. It has been well over 90 days and I have still heard nothing back from the bank or the police. The police said there was most likely nothing they could do due to the fact most scammers are not even in the United States and the bank advised that XXXX will never send emails and both confirmed it was most likely scam Please help
Product: Student loan

They upheld the PSLF payment total not being met in my previous complaint, ok no big deal. On XX/XX/XXXX I got a letter via email that my account was now placed in forebearance, I never requested this and I have not gotten any clarification as to why this was done. I was placed in Exceptional Discretionary Forbearance with no notice or explanation. I am concerned at how my federal student loans are being handled by Mohela and afraid that this is going to negatively impact me in the long run when its not something I requested at all. I feel that Mohela has not provided enough sufficient information, accurate information even with regards to my previous complaint, where they didn't inform me accurately of what was needed just kept asking for more and more information until I filed a complaint with you and then and only then was I provided a definitive answer. I am significantly concerned about them handling my loans and placing them into status 's with no reasoning without my approval or knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME I DID NOT GIVE XXXX, TRANSUNION, XXXX WRITTEN PERMISSION TO FURNISH ANY FRAUDULENT ACCOUNTS ON MY CONSUMER REPORT PURSUANT TO 15 USC 1681 ( B ) IT STATES THAT I HAVE TO GIVE WRITTEN CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was open with XXXX XXXX XXXX on or about XXXX XXXX and monthly payments were never late. The amount of the payment always exceeded the required monthly payment. After almost XXXX years of satisfactory payments there was a DISPUTE filed with XXXX XXXX XXXX regarding XXXX XXXX. The Bank was alerted prior to XXXX '' XXXX Transaction Request for payment, XXXX XXXX XXXX XXXX the Transaction anyway and played me along for XXXX days then dropped the DISPUTE. I had informed the Bank I would not and never pay the erroneous Transaction, XXXX later refunded the Transaction amount however the damage was done late fees on top of late fees were processed. However my position has not changed and my relationship with XXXX XXXX XXXX was TERMINATED. The issue of Credit Inquiries or the amount of Inquiries I have no control over the amount of the Inquiries in the course of day to day living and the Credit Agencies should not be allowed to give them credence and make the Inquiries an issue against the XXXX XXXX!!
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
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

On XX/XX/year>, I initiated a dispute online with XXXX XXXX in regard to the tradeline, Synchrony Bank/Care Credit . It was reported that the credit grantor closed the account out. However, I requested for the account to be closed originally and was never late on my payments since I had payment protection setup with XXXX. I submitted the dispute and on XXXX it showed the status of the dispute was in review and how the estimated date of completion was supposed to be on XX/XX/year>. As of XXXX XXXX and Synchrony Bank hasn't fulfilled the investigation and it has been way past 30 days.
Product: Checking or savings account

On XX/XX/XXXX, I wrote a check in the amount of {$2800.00} to another Chase Bank customer who attempted to deposit the check on XX/XX/XXXX. The money left my account but was withheld by Chase from the other customer 's account for check verification and his account was subsequently closed. Chases XXXX verification system lists an incorrect phone number for me - I have had my phone number for nearly ten years and use it for two-step authentication into all of Chases online banking platforms. 

Subsequently, myself and the other customer both physically went together to a local Chase Bank branch in XXXX XXXX, XXXX, NY with our government-issued IDs, the original check, and Chase Bank cards linked to our respective accounts.

No resolution was achieved in-person. When we followed up with the phone numbers that the branch provided as next steps, we were each separately told conflicting information to solve the problem.

With no resolution from customer claims or the local branch, the Branch Manager escalated the issue to the Chase Executive Office last week ( XX/XX/XXXX ), at which point the other customer and I were each given separate case numbers. Our assigned case managers placed blame on the other customer and said there was nothing they could do to resolve the issue. It has now been a month and a half and there is no end in sight. 

Neither myself nor the other customer have access to this {$2800.00} as it is being held in a dispute status by Chase indefinitely. From my perspective, Chase has taken {$2800.00} from me and is holding the money with no intention of sending it either ( a ) back to me, or ( b ) to the intended recipient of the check. 

Any assistance to bring this matter to one of those two resolutions is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because XXXX is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Experian is govern by 15 USC 1681, And they violated my rights numerous of times. I demand the accounts listed below be removed because Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

Acording to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

ACCOUNTS XXXX. XXXX XXXX XXXX reported XX/XX/XXXX {$420.00} Reported XXXX XXXX limit {$200.00} You're using 214 % of your account 's limit XXXX. XXXX XXXX XXXX {$4300.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor XXXX  Opened XXXX XXXX, XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX MAINE XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$850.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original creditor name XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX reported XX/XX/XXXX {$170.00} Open balance XXXX XXXX  Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX XXXX. XXXX XXXX XXXX Last reported XX/XX/XXXX {$77.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXXXXXX XXXX XXXX Report info Take a look at some options to help your score Average score improvement if you take care of a collection in the first 2 years Removed XXXX pt Paid in full XXXX pt Settled for less XXXX pt Based on XXXX XXXX XXXX XXXX members
Product: Money transfer, virtual currency, or money service

Dear staff, I recently opened a PayPal account online, also formerly known as XXXX XXXX XXXX. I was approved for this account right away after applying for PayPal online account. When I tried to use me card my purchases would not go through, I called PayPal and they said they see I tried to make a purchase for XXXX at XXXX for toothbrushes. The agent stated since it was a new account I should try another store, unfortunately that did not work either, I made another call and the second agent said maybe the system is trying to determine if it's really me. 

I checked my account the next day and noticed that all my credit was done and the account was closed. I called PayPal and they said that they found an account in my name from XX/XX/XXXX '' which was fifteen years ago. They said I opened a XXXX XXXX XXXX account, which in fact I never had any accounts in XX/XX/XXXX. I reported this account as fraudulent to them and explained I never had or opened any accounts in the name of XXXX XXXX XXXX. I asked the agent what it was for, they told me they did not know and that can't see that far back. I then asked were it was opened again they did not say. I did ask for the amount that was in question the agent stated in or around a XXXX Dollars. Again I reported this as fraud and told them I never opened an account. I then asked for an account number so I can report a fraud claim, again they did not have one. The agent stated that she will submit the fraud to their back office and I will get a letter in the mail if it's in my favor. Unfortunately I can't report a fraud claim since I do not know what it is I am reporting. Secondly I never had a bill me later account that I opened. She then asked me if I know anyone that could have done this. I told her I was a student and had many roommates living with me, I could not confirm if someone stolen my information since this is 15 years ago. I checked with all the credit burues and they all checked their archives their is no documentation of any account in said names. 


I was approved for a XXXXDollar credit line and I want my credit back. Since this is fraudulent and I had not opened this account 15years ago. 

According to the FCRA accounts that are that old should have been deleted, other than child support or other federal loans. This was also mentioned that it was illegal to use an account that is a retail account from 15 years ago. I also reported all known addresses and phone numbers to the agent and she said none of them matched what she has. I also am on file with the three credit burues and they have all my address since XX/XX/XXXX. 

I am requesting that my account be reinstated effective immediately. 

I am also notifying the District attorneys office. And the BBB. I will also seek counsel since this is a fraudulent account and consumers have rights under the Law.
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 {$8000.00}, {$14000.00}, {$24000.00}. 
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 ) -- OPEN ACCOUNTS 1.  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$24000.00} -This is not my account.
Product: Checking or savings account

XX/XX/XXXX : Opened a Citibank account after receiving a mailer that said I would receive a {$400.00} cash bonus after depositing {$15000.00} into either my new Checking OR Savings account and as long as in good standing for 90 days ( XX/XX/XXXX ). 

XX/XX/XXXX : Deposited {$5000.00} into my new Citi Checking account XX/XX/XXXX : Deposited {$10000.00} into my new Citi Checking account XXXX : Account balance in Citi Checking : {$15000.00} At some point between XX/XX/XXXX and XX/XX/XXXX, I contacted Citi to see when the bonus would go through, they said after the initial 90 days, that the money would take another 60 days to be deposited so by XX/XX/XXXX. 

On XX/XX/XXXX after seeing that the bonus was not deposited, I contacted Citi who said they would look into immediately and make sure my bonus was processed. 

On XX/XX/XXXX : I received a letter saying that my account was ineligible for the bonus since my savings account was closed on XX/XX/XXXX. I never personally closed this account, so am assuming Citi closed it after zero activity. However my Checking is still active and in the initial bonus email it said only one account had to be active and have the {$15000.00} balance in it. 

I wrote them back and received another letter on XX/XX/XXXX saying that my account was ineligible since my Checking account was closed XX/XX/XXXX. They have the account number wrong, as well as my checking is still active as of today 's date : XX/XX/XXXX. Again, either way this is incorrect as my checking is still active and I only needed one active bank account as per their initial mailer and bonus email. 

They falsely advertised their promotion and my account is 100 % eligible for the {$400.00} bonus and I am now almost 30 days overdue for it. 

I am attaching : -Initial Bonus Email I received on XX/XX/XXXX after opening my account -Letter 1 I received on XX/XX/XXXX -Letter 2 I received on XX/XX/XXXX -A screenshot of my active Checking account with balance I appreciate your help in advance, thank you.