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

On XX/XX/year> I paid a payment of XXXX to a loan I had taken out through XXXX. On XX/XX/year> I paid off the loans taken out through XXXX in the amounts of {$500.00} and {$1000.00}. However, a couple of days later, my account had duplicate charges for the {$100.00} dated XX/XX/year> and for {$500.00} and XXXX, which pulled my account into the negative. I called Citibank to only dispute the duplicate charges and not the original charges. They assured me they wouldnt reverse the original charges. Weeks later they reversed the original charges. I then repaid XXXX on XX/XX/year> in the amounts of {$650.00} and XXXX due to now having accrued more interest because Citibank reversed the original charges that they blatantly told me they wouldnt. Then on XX/XX/year> the charge for {$100.00} was taken out of my account, on XX/XX/year> XXXX was taken out of my account and on XX/XX/year> {$500.00} was taken out of my account causing it to go negative. I called Citibank and they said the dispute was reversed and closed saying the charges were valid. I told them I already paid XXXX off and they need to refund that money to my account. They said I can only appeal the decision which will take 90 days. I called XXXX and they claim there is no overpayment and it could take 45 days for them to receive the overpayments. In the meanwhile Im out {$1600.00}. I have accrued late charges from my auto payments on other bills due to having insufficient funds. Citibank told me they wouldnt reverse the original charges and they did and because of that I had to pay more interest and now another overpayment that no one seems to want to claim they have.
Product: Checking or savings account

RE : Recurring bill pay to the landlord of {$2900.00} to be made on the XXXX ( approximately ) day of each month for rent due on the XXXX of each month. A physical check was sent by the bank ( Wells Fargo ) each month from XXXX XXXX through XX/XX/XXXX, received and deposited by the landlord without incident. A check was also cut on XX/XX/XXXX. The landlord reported not receiving the rent on either XX/XX/XXXX or XXXX, XXXX. The bank was contacted and claims were filed. A photocopy of the check was requested and received on XX/XX/XXXX, a week after the bank was contacted. The check was cleared on XX/XX/XXXX but no banking information was on the back of the check and NO ENDORSING SIGNATURE WAS ON THE BACK EITHER. Wells Fargo claims the check was cleared but has not provided any evidence of deposit in anyones bank account and refused to acknowledge this as fraud. Previous checks ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) show endorsement on the back and banking information where the check was deposited. I spent 3 1/2 hours in a Wells Fargo branch in person ( today XX/XX/XXXX, the date of this complaint ) with a banker and the bank manager who made phone calls and we were transferred multiple times to multiple departments ( bill pay, claims, escalation division ) with no resolution. They have said they will investigate but I have no documentation of that either. The bank manager and banker got the same run around that I did and all three of us experienced that together. Bottom line : Wells Fargo has not proven where the money went but has deducted funds from the account. They have not treated this as fraud though there is evidence that the landlord did not deposit the check. This is check fraud, unresolved and with no assurance of resolution. I am attaching bank communication saying the payee was paid- he was not. I am also attaching a photo of the back of the check. A check was cut that he did not receive.Help!
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act to conduct a reinvestigation of disputed information on my credit report, leaving unverifiable accounts unresolved. I have attempted multiple times to request debt validation letters, Experian has failed to do so. It was unsettling how quickly they completed investigations with no results. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These same failures align directly my unsettling experience. Experian has neither corrected, removed disputed items despite my multiple reach outs, evidence, and concerns provided. I have tried all attempts to contact including via phone, website, and letters. This is causing ongoing harm to my credit! I am requesting immediate action to remove or amend the disputed accounts, as Experian inactions violates federal laws and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I believe my identity was stolen in order to fraudulently create an account with XXXX. I have never had an account with the company or Jackson Capital System.
Product: Consumer Loan

ATTEMPTED TO GET A TITLE LOAN BUT DID N'T FOLLOW THROUGH AND THE LOAN WAS NOT FUNDED, YET THEY REPOSSESSED THE CAR. I NEVER RECEIVED ANY MONEY FROM THE COMPANY AND YET THEY STATE I OWE THEM XXXX DOLLARS IN ORDER TO GET MY CAR BACK.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found fraudulent information reporting on my credit report. I would like for these items. Be removed off my critter port because it is hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, 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 Charges filed with XXXX XXXX court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Debt collection

On XX/XX/2021 the State of New Jersey had a pending transaction to go into my account Navy Federal checking account to deposit Back funds owed to me. Currently, I am in a COVID19, Financial hardship, which is documented, and facing losing my home. Navy Federal Credit Union deducted the Majority of funds in the amount of {$4400.00} out of my account Without notifying me of any amounts owed for the debt, the charge account was also disputed, and I did not agree to their terms on my account. My checking account was not opened simultaneously with a credit card, and I did not consent to Navy Federal to remove Unemployment Funds from my account during a National Pandemic. On XX/XX/2021, Ive made at least four attempts to speak with a supervisor regarding this matter and was informed by multiple representatives no supervisor was available, but one would call back but call back but I was not provided with a date or time. The representatives also refused to provide their identity in which I repeatedly to know the first and last names of whom I was speaking with so I could document for my records. requested them and was spoken to very rudely without an attempt to find a resolution to the circumstances. The representative, XXXX did not want to hear what I needed to say nor would he provide his last name. Navy Federal Credit Union is Not operating with Fair Practices within the Government guidelines for individuals effected with a hardship due to the Pandemic. I also explained why I needed for the transaction to be reversed, the representative would not allow any other options for the account to be resolved. Navy Federal Practices are Deceptive, and I do not have a clear record of what was owed nor do I have access to the account to review any transaction histories or statements.
Product: Credit card or prepaid card

Did a Claim at chase bank for dissatisfied service received at XXXX XXXX  this clinic gave me a XXXX  I paid XXXX $ in total, the first time I try to to do a claim for every amount I paid there contacting chase XXXX they told me the money can t be refund, so I did a claim on the purchase did with my debit card for XXXX, they provide a Tempory credit, I did send them to prove my claim medical record for XXXX doctor picture of the catastrophic damage caused by the XXXX, they denied my claim with no reason today et took XX/XX/2022 they empty my account for it
Product: Checking or savings account

This would represent the 1st of a few complaints. In XX/XX/XXXX, I purchased a {$18000.00} certificate of deposit. As I can remember, I was told it was a tax write-off. I was also told it would automatically renew ever 5 years. What I was not told was, if the bank is sold, I will not be able to get my money back. From what I gathered, XXXX Bank sold out to XXXX and XXXX sold out to PNC Bank. I have other information that state that XXXX Bank sold out to XXXX Banks. in XXXX, i was losing about {$40000.00} per month in the violation of the RICO Act and in violation of 18 USC 1956 " money laundering or proceeds form specified unlawful activity with XXXX Bank facilitating those crimes. That is in another complaint against XXXX Bank. 
I do not think it is felonious activity should be excused when public officials/ court officers are involved. I have included the Certificate of deposit that I never collected from. I did hire a lawyer and was still unsuccessful in getting my money. My understanding from my lawyer is that PNC sent bulk money to the NC State treasury without identifying information with it. The State want a letter for PNC stating what batch of money my money was in, PNC refuse to provide any such statements. 
we as citizens work to have our money stolen, than we are expected to pay more money trying to get back money we have already worked for. That is starting to look a lot like slavery involuntary servitude and racketeering facilitated by the Banks, we work and they take the money. 

I am a farmer, a licensed general contractor and father, I do not know how to deal with banks who intentionally ignore the CFR regulating the banking industry. In all, we are out about {>= $1,000,000} from the time I purchased that certificate until XX/XX/XXXX. 

considering what all that has happened related to Banks, money laundering and the violation of the RICO Act, after the lost of this {$18000.00} plus interest, I feel this is a common practice in banking in the united Sates to perpetuate slavery. it is my firm belief that the State of NC facilitate the banks and lawyers in stealing millions from the XXXX community with impunity. I firmly believe these acts are intentional acts to harm the economy for XXXX citizens in NC as was done in the XXXX XXXX XXXX, they are still doing the same thing in XXXX
Product: Debt collection

XXXX XXXX XXXX sent an unsolicited debt recovery notice from Credit Ninja. Have never sought credit from Credit Ninja.
Product: Money transfer, virtual currency, or money service

Square has blocked me from using their app. I can not access or transfer my funds until next year. I will be behind on my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts are XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. Along with a plethora of fraudulent credit inquiries.
Product: Debt collection

I had a debt with XXXX XXXX XXXX in XX/XX/XXXX and paid it off XX/XX/XXXX. It never showed on my credit report before now after it was pais and this company Focus RECIEVABLES Management IS ON MY CREDIT REPORT SAYING ITS UNPAID. IVE TRIED NUMEROUS TIMES TO GIVE THEM A CALL TO REMOVE IT, PROVIDED PROOF AND IT IS STILL SHOWING ON MY CREDIT REPORT.
Product: Debt collection

We have filed this complaint over and over and once again our request for proof of the debt and requested information i.e. communications from them to us has not been provided. We requested a copy of any correspondence including audio recordings given to us so we can forward to our attorney and to the Attorney General. We will vigorously continue to fight this type of predatory lending where an agreed upon amount is established in court between the consumer and the attorney and then after the consumer has paid off the amount they are told oh no that was not the correct amount. We have the documentation and have sent it to the Attorney General 's office. This is predatory lending at the highest.Attached is a new judgement brought against us without notification from them that they were filing and the attorney who has contacted us. This is the only way we have been notified of any court proceedings after filing. And they still have not provided the documentation.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and XXXX of Inquiries. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I had massive identity fraud happen to our bank accounts. Someone got a hold of personal information and were able to use our debit card with XXXX ( it was the last XXXX of my SS # ). They had all enough personal info to answer questions on Bank of America XXXX so they could transfer thousands of dollars to be used. We were first alerted of suspicious activity on XX/XX/XXXX when they used a mobile XXXX XXXX in a California XXXX XXXX for the amount of {$970.00}. Soon after that, they telephoned transferred {$10000.00} from my savings to checking to use the XXXX XXXX for more fraudulent activity. We were able to quickly stop this and Bank of America closed the account. They credited the account the {$970.00}. On XX/XX/XXXX, I was shocked to find out the funds were taken out of my account and the claim was denied. I reopened it after more explanation and again on XX/XX/XXXX it was denied. Bank of America has been disorganized, dysfunctional, and every single person from my local bank agent to the original person in the fraud department has quit. In the meantime, more money has been deposited into the closed bank account and it is frozen and they refuse to give me my hard earned money. They owe me {$1500.00} and I will NOT allow this bank to take it. We had to start completely over with EVERYTHING. It has taken months to fix and the fact the bank is trying to tell me it didn't look like fraud is disgusting.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent accounts from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any accounts listed in Identity Theft. Once again HERE ARE THE LIST OF accounts THAT I WANTED TO REMOVE ACCT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$840.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1700.00}.
Product: Credit reporting or other personal consumer reports

Request to Block Fraudulent Information on My Credit Report Under 15 U.S.C. 1681c- 2 ( a ) I am writing to request the removal of fraudulent accounts from my credit report under 15 U.S.C . 1681c-2 ( a ). I am a victimf of identity theft ( ftc # XXXX ), which I believe is connected to the data breach at XXXX. As a result, my personal information was compromised and has been used without my consent to open accounts idn my name. 
The accounts that do not belong to me are listed : XXXXXXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX, XXXX Dear TransUnion I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the XXXX XXXX XXXX, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made 2 ACH withdraw from XXXX. one for $XXXX, one for $XXXX.On XX/XX/XXXX, I made another ACH withdraw from XXXX.On XX/XX/XXXX, I found out from my bank, XXXX, that they have suspended my account by mistake, they reopened my checking account but they sent those ACH deposits back to XXXX already.Since then, I have been contacting XXXX multiple times via email, phone call to see if I can find out where those total of $XXXX returned fund is. I got some standard response about they will let me know when they have more information.I confirmed from XXXX XXXX multiple times that the money is already sent back to XXXX XXXX  account the same day. And it will be up to XXXX to credit those fund bank to my XXXX  account.So far, 3 weeks past, I still didn't have any information about where that $XXXX fund is and what XXXX will do to fix the issue.XXXX Case ID: XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist Request Regarding Unauthorized Credit Inquiries Dear transunion I am writing to formally request that you cease and desist from conducting any further inquiries on my credit report without my explicit authorization. My name is XXXX XXXX, and my Social Security Number is # XXXX. 

Upon reviewing my recent credit report, I have identified the following unauthorized or questionable inquiries : Inquiry Date : XX/XX/year> Inquiring Party : XXXX XXXX XXXX XXXX XXXX These inquiries were made without my permission and are affecting my credit score and overall financial profile. I request that you take the following actions immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 




XXXX XXXX, XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$290.00} ; XXXX XXXX  XXXX Balance : {$3100.00}
Product: Checking or savings account

Im writing to file a complaint against Navy Federal credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagging post of charges in credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances, despite initially available funds I believe that this practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

I receive a letter that XXXX XXXX XXXX has allowed my data to be compromised, and they offered " Experian 's XXXX XXXX  '' as compensation. ( Sidebar : this is in no way a comparable penalty to XXXX XXXX XXXX for their negligence ). After signing up with XXXX XXXX, I could not access my Experian account. I have had my credit frozen for years and wanted to reconfirm it was frozen. However, I can not access my account or create an account using my social security number and name. The Experian site says my name, social, address etc. are all inaccurate information. I tried to contact them via phone to resolve this issue ( XXXX ) and after XXXX attempts I could not get connected to a representative to discuss whether my account is compromised or whether there is a problem with their website. There is no other contact information. No chat and no email. There is only an address where you can send a letter. Meanwhile, I don't know if my credit is secure with Experian and can not access their site to check. 

This is the bare minimum and they should have many more contact methods including a service line that has real people to help with real problems. I would like to have this issue resolved so I can log in to Experian.
Product: Credit card or prepaid card

Inquired about {$300.00} increase and did not receive a response to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The info midland provided to credit reporting agencies are contradictory to the letter they have sent to me. Specifically the last payment date should reflect XX/XX/XXXX both in their letter to me and to their report to the agencies, which is not the case they stated it was XX/XX/XXXX to the agencies.
Product: Money transfer, virtual currency, or money service

I checked my transaction on line and over the phone before pickup and its status was available. However, when I attempted to pickup at the ACE CASH EXPRESS - # XXXX at XXXX XXXX XXXX I was told the transaction was not available. She also gave me a printout that stated the number to call and a warning message which shocked me. I called money-gram while at the location and was told money-gram was refusing to provide me its services due to discomfort which is not a term of service or policy. When I contacted my sender they stated to me the transaction is still available and shows available when I check it a moment ago today X/X/2017 at XXXX. I am confused by what is happening and am wasting my time and money to travel to pickup. I called again at XXXX XXXX and the agent stated the transaction is not available and the sender has to call in even thought the website states the transaction is available.
Product: Mortgage

My loan with Dovenmuehle XXXX XXXX was paid off in XXXX of 2021. I have reached out to them multiple times to receive the deed and have still not gotten it. I'm trying to sell the property and need the deed to complete the transaction. 4+ months to get this me is unacceptable.