23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Received my credit card statement from Citi and a charge for {$7800.00} was listed on XX/XX/2022 for a company called XXXX out of XXXX XXXX XXXX contacted Citi customer service and notified them that my card had been hacked it appeared.They went through my charges and found where whomever had hacked account had tried to charge the same amount a week later but had been red flagged and never went through the second charge.They referred the case to their fraud dept for review.Someone contact me and asked several questions in regards to my card XXXX noticed when receiving my recent statement that they had added the charge back on to my balance after it had been removed.I called Citi back and notified them about the issue and asked why it hadn't been resolved.They said it would be resubmitted to fraud dept.I haven't heard anything since this response. 
I contacted the company XXXX concerning the fraud charge and last e-mail wasas follows XXXX XXXX, Thank you for your patience! 

You are receiving this automated email as your request is currently with the XXXX XXXX XXXX XXXX team and youve been waiting several days for a resolution, likely beyond the original expectations provided to you by our support staff. 

Your business matters to us and were diligently working through an increased number of requests at this time. There is nothing more you need to do on your end but we wanted to assure you that your request is still active and we will address it with the same urgency and importance as the merchants were currently helping. 


I would like to have this pursued by the CFPB and get this fraud claim resolved Thank you XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2021 my ending balance was {$140.00} and then on XX/XX/XXXX somehow my balance went to - {$40.00} after they charged me {$32.00} overdraft fees. I have these problems before they authorized any transactions without my consent and charged me overdraft fees. I dont have any funds on hold so how did my account goes from {$140.00} to - {$40.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX Balance : {$21000.00}
Product: Vehicle loan or lease

I disputed this with the company directly and I never got a response from them every time I call so they can correct it they dont. The problem is from their end because they were not taking payments from my bank account. They were taking it a week after my due date.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$500.00} of Paypals virtual currency, XXXX, to my paypal digital wallet. The cryptocurrency showed up properly. 

Then, I ordered my toddler some items on XXXX. I used Paypal to check out, and used Paypals checkout with XXXX of which the only XXXX I had was their token, XXXX. The checkout said it would sell {$40.00} of XXXX, and would finish the remainder after I finished checking out. The checkout process errored out when it sent me back to XXXX. 

I checked my Paypal account and the {$40.00} XXXX it sold was gone- the details said it shouldve been transferred to my Paypal balance, but it was not there. 

To complete the Gap order, I decided to sell {$60.00} XXXX myself ( not during the checkout process ), and the {$60.00} appeared in my balance. I completed my Gap purchase using {$51.00} of that balance. 

I then sold the remaining {$400.00} of my XXXX into my Paypal balance. As of right now, I have XXXX in my Paypal balance, when I should have XXXX. This is calculated as my starting {$500.00} less my gap purchase of {$51.00}. I am missing the initial {$40.00} that Paypal misplaced during my initial checkout. 

Paypal has no way to reach a live person. I opened a support ticket and gave them the summary of transactions, clearly showing I was missing {$40.00}. They closed the ticket today ( XX/XX/XXXX ) denying my case, with no evidence showing where the {$40.00} went. 

I do not take this escalation lightly, but it is clear Paypal is not equipped to properly handle transactions involving their new cryptocurrency XXXX
Product: Mortgage

This is my XXXX complaint that I have submitted. The last complaint ( XXXX ) the company denied it and referred to the Servicemembers Civil Relief Act ( SCRA ) and stated that it only applies to prior to the military. My complaint references the Louisiana SCRA which extends to all persons on active duty residing in Louisiana. If the company could please abide by Louisiana state law it would be much obliged. I have attached a copy of the Louisiana XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I STARTED OFF ATTACK THESE INCONSISTENT ACCOUNTS IN XX/XX/XXXX A FEW CAME OFF BUT MANY REMAINED AND I FIND THAT INCONSISTENT WITH THE REPUTATION OF THE 3 MAIN CREDIT BUREAUS ( TRANSUNION, XXXX, XXXX  ) TO REPORT MY INFORMATION THAT IS ACCURATE CONSISTENT AND VERIFIABLE HOWEVER MY CREDIT SCORE IS SUFFERING BECAUSE THEIR ARE MULTIPLE ACCOUNTS THAT IS PASSED MY STATES STATUE OF LIMITATIONS ON WRITTEN CONTRACTS. 

WHICH MEANS NOT ONLY ARE THESE NEGATIVE ACCOUNTS INACCURATE BECAUSE THE WAY THEY ARE REPORTING BUT THEY ARE INACCURATE FOR EVEN BEING REPORTED AT ALL. 

SOUTH CAROLINA LAWS GOVERN THAT THE STATUE OF LIMITATIONS ON WRITTEN CONTRACTS IS THREE YEARS YET I HAVE PROOF THAT THE CREDIT BUREAUS ALLOWS THESE CREDITORS AND COLLECTION AGENCIES TO CONTINUE TO REPORT INACCURATE AND UNLAWFUL INFO ON MY CREDIT REPORT WHICH IS INDEED A VIOLATION OF THE FAIR CREDIT REPORTING ACT. 

XXXX XXXX XXXX has already Filed Lawsuits on two Accounts as if they were not passed Statues of limitations in my state they even renewed the dates the accounts were opened to make it seem like they were chasing a debt that was supposed to e already extinguished I missed the court date and they was awarded judgement. 

XXXX is also trying to collect on a dent that is passed the statue of limitations I attached proof. 

XXXX  XXXX XXXX  Continues to report on a dent that happened back in XXXX my reason for disappointment in this is either self explanatory or has already been mentioned FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997,  Filed ( D.C. No. 95-cv- 01743 ).
Product: Debt collection

In XX/XX/2017, I had cancelled the service with XXXX and tried to port three numbers to the new cell phone company. Two of the three numbers were able to port, but my major cell phone number XXXX was unable port. I believed the XXXX played the dirty game. 

Finally I had to get a new cell phone number instead. 

After three months, the XXXX send me the bill for {$75.00}. I denied and disputed for that bill.

One of the phone number, my wife opened for her XXXX. But never been used for so long, because of her XXXX  was no longer in working condition. 

I called the XXXX asking for the proof of data using. No one ever response, but the XXXX send it to the collection agency. 

This is the latest collection company : IC System XXXX Reference #  XXXX Account # XXXX Balance due : {$100.00}
Product: Checking or savings account

I was recently informed of a negative information report included in the file ChexSystems maintained under my Social Security number. Upon ordering a copy of the report, I found an entry from XXXX XXXX XXXX XXXX from XXXX. 
I am unaware of ever owing this bank {$8600.00} on these date : Reported For : Non-SUFFICIENT FUNDS ( NSF ) ACTIVITY Reported Name : XXXX XXXX XXXX Reported Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reported SSN/ID : XXXX Drivers License : State : Date of Closure : XX/XX/XXXX XXXX/ACCT # : XXXX / XXXX Original Charge Off Amount : {$8600.00} Closure Status : UNPAID Closure Status Date : XX/XX/XXXX Please validate this information with ( the bank listed above ) and provide me with copies of any documentation associated with the said Reported Information bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 
RE : Consumer ID # XXXX Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see XXXX XXXX XXXX, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful non-compliance.

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX I XXXX XXXX   XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX XXXX TransUnion LLC XXXX. XXXX XXXX  XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX  XXXX  XXXX  XXXX
Product: Mortgage

XX/XX/XXXX I began a modification for my Home Equity Loan with the holder of the loan, Bank of America. After a very frustrating process of them losing documents and re-asking for documents that I had already submitted, they approved the modification XX/XX/XXXX. They sent me documents and we returned them signed in a timely fashion. B of A then signed and return the loan documents and our first payment was XX/XX/XXXX. We have made our payments on time since. Then XX/XX/XXXX they sent out new documents that our modification had been approved. I did not understand. We had completed everything with a signed loan agreement from B of A. When I called they did not give me an answer. Just that I needed to sign. I explain that 4 months ago I had completed the process and have been making my payments on time. After several weeks of going back and forth, they admitted that there was a miscalculation in my loan, but no explanation as to the mistake. I told them that I would not sign new documents as I already have a signed loan agreement with them. What 's to say, if I sign, that they wo n't come back again in 5 months and ask to change them again. I continue to make my payments in a timely matter. They continue to call and tell me to sign or they will withdraw the modification. I have a legal agreement with them. I need help to get them to stand by the original loan documents.
Product: Mortgage

Rushmore Services which holds my Mortgage has been paying my Homeowners ins and I have already switched the payment to me paying my self rather then the mortage Co.

I sent them back a check for {$1000.00} which was the money they paid to My Ins company..

I sent back a check to them because im paying the Ins myself rather the having them pay it.

Now I'm getting a run around, they received my check which should be applied to them for paying the inc. I want that money applied to reduce my monthy mortgage payment. Instead they are returning the money to me.

I also had this issue with them a number of months age when I gave back the premium I received from my Ins company. 
I want the {$1000.00} aplied to my acct and reduce my monthly mortage payment. 

XXXX XXXX
Product: Debt collection

I settled a delinquent account with XXXX credit and they continue to report it as open and holding balance which is not accurate. The receipt and official statements are attached below.
Product: Checking or savings account

This is about Chase Bank branch located at XXXX XXXX XXXX XXXX XXXX CA. 
My wife XXXX XXXX went into this branch to deposit a {$700.00} Check she placed her debit card in the reader and handed the check that she had previous signed to the teller for deposit. She asked the teller if she needed anything else the teller said no you can go, she did not get a receipt.. The money never appeared in her account. My wife filed a report with the XXXX XXXX Sheriffs department. Case number XXXX the detective on the case first name is XXXX at the XXXX Sheriffs station her number is XXXX XXXX XXXX branch manager had my wife and I come in today to look at Screen shots of my wife at the teller station on XX/XX/2018 at XXXX to XXXX XXXX It appears she cashed the check which she did NOT. When you look closely at the screen shots it is very obvious they have been Photo Shopped The manager would not give my wife or I the pictures, and was going to delete them.
Product: Credit reporting or other personal consumer reports

I wrote XXXX XXXX XXXX and Equifax regarding some accounts on my report that looked suspicious asking them to verify the accounts and they have yet to do so. Subsequently i filed a FTC report and a police report which Ive attached. As you know 15 USC 1681 c-2 states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency As i stated Ive attached all the necessary documents for these accounts and the FTC report has a list of said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One # XXXX is reporting erroneous lates to my account that I should not have. I made my payments but for some reason the payment was returned. My XXXX   account that I used to pay was valid and I had money in there, my bank drafted a letter for Capital One stating that there was no reason on their end or mine that the payment was returned. This was an issue with Capital One and I would like these lates removed off of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a late payment on an account and I called to settle the situation, and even after paying the loan, they still report it as a late payment even though Im on track
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX I'm a living human with all the rights of 42 me from the fcra by being a US citizen please advise this complaint is against XXXX and transunion for the XXXX XXXX account it should not be listed as paid for less than the full balance but be listed as paid in full they have it listed as charged off at {$31000.00} which is true they did charge it off at {$31000.00} but I retained it possession of the truck continued making payments until the balance was {$19000.00} when trading the truck in they received {$13000.00} and this year XXXX XXXX issued me a 1099 for the remaining {$6900.00} making that truck paid in full not settled for less than what it was agreed but in fact paid in full I have checked with the tax industry professionals and they tell me that if it was originally charged off at {$31000.00} but I retained possession of the truck until the until what was owed was {$19000.00} then there should have been a amended charge-off and the total should have been adjusted being that there is no total adjusted that makes it being listed wrong and it is a violation of the fcra I would like to see the tax papers showing that they in fact change the charge off amount to the {$19000.00} or {$19000.00} that was owed and that he said it was paid in full secondly they have disputed this fact over and over which is a violation of my rights since I began they should be forced to remove this car this account without haste Sera writes afford me the right to have this file deleted because they have posted fraudulent account amounts I can prove that I made the night paid the truck down XXXX while still having possession and that means that unless they have the amended tax paperwork to show it's listed incorrectly
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, 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 this account is fraudulent though your company claims to have verified this 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 TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, 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.
Product: Checking or savings account

I am a Premier account holder at Well Fargo XXXX XXXX at XXXX XXXX  in XXXX, XXXX. I am filing a complaint against them for their refusal to let me withdraw less than 1 % of my savings from their teller windows and also making it very difficult. 

First, on XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX refused to let me withdraw more than {$3000.00} from my account, claiming that they do not have cash. It was strange that a large bank like Well Fargo did not have more than {$3000.00} in the morning. And then, I heard that others were able to withdraw after me without any problem. Therefore, I think that she was also discriminating against me. 

Second, XXXX XXXX also refused to let me withdraw more than {$4000.00} today, claiming that they do not have cash. She promised to call me because they were getting cash later today but she did not call me. 

Third, they also made things difficult. XXXX XXXX asked me to increase " debit crd overdraft limit '' from my online account to withdraw more from atm. There was no overdraft limit, but I still could not withdraw enough. It turned out that she directed me to the wrong section. It should have been the " atm withdrawal limit '' section. This section was also hidden so I could not find it easily. Their website instructed me to call XXXX to increase it. However, XXXX refused to do it, claiming that he does not serve a Premier member. Why instruct me call that number, then? The Premier team instructed me wrong again by asking me to increase it from their website, when their website did not have that option. I wasted time because it turned out that their atm limit is not high enough, so I still have to withdraw from the teller window. 

Fourth, there was also a security issue. XXXX XXXX discussed my issue by mentioning the amount that I want to withdraw to another banker who was in the meeting with a client. That client found out that I had certain amount of money and kept looking at me. She should not have mentioned it in front of a stranger. 

Because of these issues, I had to cancel all of my holiday plans and wasted several days but I still have not been able to withdraw enough cash that I need.