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

XX/XX/XXXX, there was a fraud transaction on my account that I didnt recognize. then also 2 XXXX  transactions that I didnt recognize either. I immediately changed my account information and ordered a new card. The next day they put an XXXX hold on all my accounts and wont let me access any of my money. I called customer service for days and they told me there was a XXXX dispute charge from XXXX  I have no idea about it I dont even have a license to be involved with XXXX. they told me theyd send a cashiers check. I recently called a week later saying I havent received the check and they said they extended the investigation to XXXX and I wont receive my money till the investigation is done. All of this has been absolutely unfair and Im being punished for something I didnt take part in. My direct deposit also went into that account and they wouldnt let me have that either, literally holding onto all my money. Ive called them countless of times and theyve treated me horribly to the point where Im crying. they dont seem to care that I cant pay my bills or help my family, I dont have a dollar to my name for gas or food. I have bills to pay and a XXXX to pay for. this has caused alot of emotional stress for me and my life. they dont care to help they keep repeating that its their policy and hang up on me. I just dont think any of this has been fair. please help.
Product: Bank account or service

I am the successor trustee for a trust account opened at Bank of America, branch located at XXXX. - XXXX, FL XXXX. 
The original trustee is deceased and I have been trying for over one week to gain rightful access to the account. I did provide a copy of the trust agreement, which designates me as the successor trustee, as well as the death certificate of the original grantor/trustee. However, nobody at the bank seems to understand how to make the proper modifications to the trust account to provide me with access. Time is of the essence and yet phone calls are not promptly returned, and when they are returned, all I get is stalling from the branch manager, XXXX. 
Their delays are causing irreparable harm to the trust. Please investigate and resolve this issue including any applicable penalties for the unjustifiable delaying tactics this bank is using.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my husband and I each set up a credit freeze with TransUnion as a result of our personal information having been compromised. After many attempts with the on-line system which would not work at the time, we spoke with a representative that sent us a PIN and set up the freeze on the phone. 

On XX/XX/XXXX, we attempted to access our accounts. The on-line system would not recognize our information. I called three different numbers for Customer Service, and could only get a voice answering system, which continued to repeat the same options, none of which applied to our question. When I entered all of the personal information in the voice prompts to see if I could get through, the system again said it did not recognize the information. Even when we were given the option to reach a person, the same loop continued. I have not been able to contact them regarding the freeze on our accounts. 

How is a consumer supposed to manage their credit if they can not contact the company? 

TransUnion has consistently been a problem. I can not understand how such an inept company is allowed to access and manage such important and personal information as that contained in a credit report. I have no confidence that they are capable of protecting this sensitive information.
Product: Debt collection

This debt is not mine due to fraudulent activity on my account and the result of unauthorized transactions that were placed, my response is going to be the same. I notified your office with a debt validation letter saying I owned this debt with my signature, and evidence this wasnt fraud, Im a victim of identity theft/ forgery please prove you are the original debt collector if you cant prove that you are the original debt collector, and not speaking on the behalf of any other company this debt needs to be closed. Unauthorized transactions on my account Im not liable for once again this is due to fraudulent activity, and forgery my account was taken over I have and had no control over that, my account was hacked like many other Americans that Is a victim of fraud I have rights.
Product: Credit reporting or other personal consumer reports

The accounts listed on this report are fraudulent. I demand investigation and removal from my social. I did not give consent and authorization to opening these accounts. Listed below are the fraudulent accounts : XXXX XXXX XXXXXX/XX/XXXX, {$1400.00} XXXX XXXX XXXXXX/XX/XXXX, {$700.00} XXXX XXXX XXXXXX/XX/XXXX, {$1300.00} XXXXXXXX XXXX XXXX XXXX, XX/XX/XXXX, {$690.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, {$1600.00}
Product: Money transfer, virtual currency, or money service

There have been numerous and continuous fraudulent transactions taking place on my VENMO account. This includes no less than {$1200.00} of withdrawals to online gambling accounts over several withdrawals. This also includes the linking or attempted linking of my VENMO account to a fraudulent bank account. The linking of the bank account occurred after I had already made complaints and those complaints were not answered or otherwise reasonably responded to by VENMO
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the Metro 2 Data-filled Field Formatted Reporting Standards, per CDIA!

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5- day notice to me as mandated by reporting regulations that you MUST comply with.

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ).

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint involves XXXX, XXXX XXXX, and XXXX XXXX. 

I have held an XXXX credit card for several years, and historically it was associated with an account at XXXX XXXX. I had automatic payments set for that account and never had a late payment. 

In 2022 XXXX switched providers to XXXX XXXX. I do not recall receiving any notice of this change, and the first I heard of it was when I received an alert that my credit score had dropped by nearly XXXX points. This change was made before I received a new credit card showing any kind of XXXX XXXX logo, and the automatic payments that I had set up at XXXX XXXX  did not transfer to XXXX  XXXX. 

I brought the account up to current in early XXXX immediately after learning about the issue, and in XXXX I mailed a letter to XXXX XXXX describing the issue and requesting to have the late payments removed from my credit history. XXXX XXXX responded on XX/XX/XXXX that they were unable to do so. 

I am requesting to have the late payments removed from my credit history. The change between credit providers was made without any input on my part, and had it not taken place my automatic payments would have prevented the issue from occurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that TransUnion actually investigate instead of giving semantic answers. I have provided more than enough information to conduct an investigation. I am requesting that all of the attached letters that have previously been sent to TransUnion be ACTUALLY investigated. This is my final notice before I file a lawsuit for willful non-compliance under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )
Product: Credit card

Roughly XXXX  months ago I received several highly attractive balance transfer offers from my Citibank with respect to my Citi card. The offer said that balance transfers up to a certain amount would receive a low introductory rate of 0.99 % for XXXX months. I took advantage of the offer by transferring the maximum balance allowed by the promotion. I went about using the card as I would any other month and I would send a payment each month roughly equal to what I spent on the card that month, thinking that I was leaving the initial balance transfer amount untouched since it was subject to a promotional low interest rate. To my surprise, several months later I began to see my interest charges increase substantially. When I called to ask why this was happening, the representative told me that my monthly payments are first applied to the balance I had transferred so the remaining balance above the initial transferred balance began accruing interest at a super high rate of ~27 %. I don't have the initial offer to see if this was explained correctly, but regardless, I feel like this is predatory marketing at its finest and should not be allowed or the disclosure should be in big bold print. Thank you.
Product: Checking or savings account

I deposited a cashiers check for {$2300.00} to my chase checking account XX/XX/year>, from my XXXX XXXX  account. The cashiers check was made out to myself. I had deposited the check to chase online XXXX XXXX. After XXXX days when the money was not shown, nor still is as of XX/XX/XXXX, as pending, or available, I believed that there was some sort of error with the internet and the deposit did not go through so I did try again. After XXXX business days, there is no reason a cashiers check should not be available. In addition to the bank not releasing my funds, I was hit with XXXX or XXXX overdraft fees. This is not the first time this bank has done this. Any check deposited, they put a XXXX  day hold on which is beyond ridiculous. I called my bank to find out why my deposit was not showing up. I was told that there was a XXXX day hold, and that I broke banking regulations by depositing the check twice, and they would be holding the check for additional days. I spoke to the bank where I got the check from. There are no problems on their end, as it was my money. No holds to stop chase from clearing the check. Nice trick. They use the interest on my money that they wont release.
Product: Debt collection

Caine & Weiner, the collection company is trying to collect on an invalid debt owed. The collection agency falsified balances, falsified payments and falsified records thus this collection agency has no legal rights under FCRA 621 ( a ) ( 2 and Fair Debt Collection practices. I have attempted to contact the credit bureau and the collection agency with no positive results. This collection agency is abusive and clearly in violation of the law.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO XXXX, EQUIFAX XXXX XXXX TO NOTIFY THEM OF UNAUTHORIZED ACTIVITY AND IDENTITY THEFT. I HAVE ALSO SUBMITTED AN IDENTITY THEFT REPORT ALONG WITH COPIES OF ID AND SOCIAL AND OTHER VERIFIABLE IDENTITY DOCUMENTS THAT FUTHER SUPPORTS MY COMPLAINT. MY IDENTITY WAS COMPROMISED A TIME BEFORE AND YET HAS NOT BEEN PROTECTED BY BUREAUS NOR HAVE THEY CORRECTED THIS ISSUE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

PayPal owes me several refunds and has told me over and over again that it takes 5 business days for the refunds to post to my bank account and my mom 's bank account. Well it's been over 5 business days and I have checked both my bank accounts and my mom 's bank account and there's not one refund posted to either of our accounts! PayPal will not answer the phone whenever I call them about this. PayPal claims that there are cases still open, yet those so called open cases have refunds attached to them and the cases that don't should have been closed in favor of my mom and me. This is based on several things involved in those so called open cases. I have tried several times calling PayPal no luck they won't answer the phone. I send them messages in their message center and they continue lying to me. There is absolutely no reason whatsoever that I should believe PayPal will send me and my mom our money back even though they are supposed to. Plus I want PayPal to send my refunds to a bank account I gave them but they refuse.. my XXXX XXXX XXXX  account even though I've linked it to my PayPal account like PayPal told me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am writing this complaint because have noticed inaccurate accounts being reported with EXPERIAN whom I have disputed with a number of times regarding the very same inaccurate accounts. EXPERIAN is in violation of 15 USC 1681e ( b ). I want them to reinvestigate the inaccurate accounts once more because the accounts have continuously to returned verified when the accounts are in fact inaccurate. I want to ensure that I get a response from EXPERIAN, so I submitted my dispute through this portal.
Product: Debt collection

False charges upon move out. Inaccurate accusations. Tried to settle they refuse to come to agreement. XX/XX/year> for {$4000.00}
Product: Checking or savings account

The bank is holding my money illegally. The funds were retrieved from the third-party account I mistakenly sent it to. I called him when the bank closed the claim, even though I called them less than 30mins after the money was sent and he said he will refund me the cash through his bank. The bank which is the same bank has debited him of the money but they have refused to give me my money back saying they closed the claim when they fully know that the money has been debited from the third-party account. I ought to have made a profit with the money but XXXX did not allow me to make the profit.
Product: Debt collection

A XXXX XXXX called stating i owe a debt of XXXX dollars and asked for my employer name and credit card number. she knew my last XXXX of my ssn, my address and birthday. When i asked to send proof od debt in the mail she would n't. I placed fraud alert on my credit til i know if this is legitimate. She then had a man call me threatening legal action because i did n't give a credit card number and when i called back he claimed to have a lawyer next to him ready to take action if i did n't pay Please tell me if this is legitimate or not. The name is stp and the numbers they called from are XXXX and XXXX
Product: Checking or savings account

I opened an Everbank XXXX XXXX account in XX/XX/year>. I recently found out that they lowered my interest rate and offer a new, higher interest rate to new customers under the same product name. While I know that my account is a variable rate account, nowhere in the disclosures did they inform me that this would be a promotional rate. This is a plain and simple violation of UDAAP, and they need to be held accountable for their unscrupulous business practices. Ill be pulling my money immediately from this institution and suggest the CFPB consider enforcement action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 USC 1681. 


XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX, has 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 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 antedates 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 has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously been affected by an attempt by someone to open a XXXX XXXX account in my name and disputed it directly with XXXX XXXX. 

After reviewing my Equifax report, I noticed inaccurate information. 

The following inquiries are listed on my report in which I did not authorize nor am I benefitting from the inquiries : XXXX - XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Re : Account number : XXXX Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payments reported on XXXX to XX/XX/XXXX for my XXXX I XXXX you to know that I understand my financial obligations, and if it werent for XXXX, Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have been making my payment on time. Since then, Ive had a spotless record of on-time payments. 
It has come to my attention that the missed payment on my record could hurt my ability to qualify for new accounts. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the any late payments on this account. 
Please send an update to XXXX, XXXX and XXXX to remove the late payments on this account. 
Thank you for your consideration, and I hope youll approve my request. 

Best, XXXX XXXX
Product: Checking or savings account

IN XX/XX/XXXX XXXX, AND XXXX OF XXXX BANK OF AMERICA LOST/STOLE OVER {$6000.00} DOLLARS OF PLAINTIFF 'S XXXX XXXX COMPENSATION PAYMENT DEPOSITS IN EXCESS OF $ XXXX THAT XXXX XXXX COMPENSATION DEPOSITED IN MY BANK ACCOUNT. 

THE BANK STATED FUNDS WAS SENT TO UNCLAIMED PROPERTY AS REQUIRED BY PROCEDURE.THEY COULD NOT PROVIDE ME WITH PROOF OF THIS ( LIKE i.e transaction or tracking number ) XXXXTHE BANK DIRECTED ME TO CHECK WITH THIER UNCLAIMED PROPERT.GOV, BUT UNCLAIMED PROPERTY STATED THE BANK NEVER RETURNED PAYMENTS. 

I CHECKED WITH XXXXXXXX XXXX COMPENSATION THE SENDER OF XXXX XXXX XXXX PAYMENTS. THEY SAID NO FUNDS WAS RETURNED BY BANK OF AMERICA, TO XXXXXXXX XXXX COMPENSATION. THE BANK OR UNCLAIMED PROPERTY, OR BOTH OF THEM TOGETHER LOST/STOLE MY XXXXXXXX XXXX COMPENSATION PAYMENTS DEPOSITS. 

-I HAVE CONTACTED THE BANK IN-PERSON, BY PHONE, AND EMAIL. 
XXXXI HAVE FILED COMPLAINTS WITH XXXX XXXX FDIC XXXX POLICE REPORT, -CREATED MY OWN LEGAL ASSISTANT APP TO LOCATE OTHER VICTUMS AT : https : XXXX THIS APP INCLUDES MY BANK ISSUES, FACTS AND EVIDENCE AND DEFENDENT BOA TO RESPOND. NO RESPONSE.