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

On XX/XX/2021 I was unfortunately involved in a scam by making a purchase for an item through XXXX. I had chosen to use XXXX though my Chase Bank account and attempted to send {$600.00} to the individual who was a registered user of XXXX. The XXXX XXXX department flagged the transaction and the status was XXXX XXXX. Within XXXX minutes, I saw another post warning people of the scam for the item. I immediately called XXXX and requested for them to not authorize the transaction, I spoke with the XXXX XXXX department and they said they will cancel the transaction. I was assured through XXXX people at XXXX that my transaction would not go through. About XXXX minutes later, I received a notification through the app that the payment had been delivered and the {$600.00} was deducted from my account. 

I immediately called XXXX to find out why the transaction was processed and I was told you authorized the transaction. I explained to them that I discovered it was a scam and requested that the transaction be canceled. Again, they repeated that I authorized the transaction and that XXXX should only be made to family/friends. XXXX said they would open a claim with XXXX, but when I received a secure message from XXXX on XX/XX/2021 that my claim was closed, I called them and asked about it. They again stated that since I authorized the transaction, there was nothing else they could do about recovering the funds. 

I am highly disappointed in XXXX and their so-called fraud department because even though THEY flagged the transaction as suspicious and it required further review, they allowed the transaction to process anyways. 

There is XXXX protection against getting scammed online, but I figured an app that was a part of most big banks, there would be some sort protection for its users who now do most of their transactions online. 

It just makes me sick that in the world of online transactions, there is nothing that the banks are willing to do in order to support their customers who trust them to hold their hard earned money with them.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your immediate attention a pressing issue regarding fraudulent items on my account. It has come to my notice that unauthorized transactions and charges have been made, jeopardizing the security and integrity of my financial information. 

As a victim of fraud, I am deeply concerned about the impact of these unauthorized activities on my financial well-being. I demand swift and decisive action to rectify this situation and protect my account from further harm. 

I insist that these fraudulent items be promptly removed from my account without delay. It is imperative that your company takes immediate action to investigate these unauthorized transactions and address the issue to prevent any further damage to my financial security. 

Furthermore, I request transparent communication throughout the process of resolving this issue, including regular updates on the progress of the investigation and the steps being taken to address the fraudulent activity. 

In addition to the removal of these fraudulent items, I expect to be compensated for any financial losses or damages incurred as a result of this fraudulent activity, as well as for the inconvenience and stress caused by having to deal with this situation. 

I urge you to prioritize this matter and provide a swift resolution to ensure the protection of my account and restore my confidence in your company 's ability to safeguard its customers ' interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXXXXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I don't recognize these inquiries i asked credit bureaus to remove them but they didn't remove them i am providing identity theft report which ill attach, and I am requesting to remove them because they are inaccurate and not mine.
Product: Credit card

I received a notification from XXXX XXXX that my crediit had changed. 
I looked at the report and it said a hard inquiry from synchrony bank for a Lowes credit card was made on XXXX. 
I did not authorize this and do not own a Lowes credit card.
Product: Debt collection

I have gave ALL parties 3 chances to cure. I have requested info on the investigation, also proof of my wet signature on the contract stating I will pay alleged debt and not just verified. This account has been removed and XXXX XXXX XXXX continues to furnish the account on my report without sending me any communication. 15 USC 1692. Following parties have violated my rights and with the help of the CFPB I will seek damages. I demand account deleted IMMEDIATELY!!! Please see attachment!!! 18 USC 8
Product: Checking or savings account

XX/XX/year>, I recieved an electronic deposit of my student loan refund from XXXX XXXX  XXXX XXXX to my Chime Checking account # XXXX, in the amount of {$6600.00}. I then transfered the money from my Chime Checking account to my Capital One Checking, account # XXXX, on XX/XX/year>. Upon deposit of the funds to the Capital One account, Capital One froze my account to investigate the validity of the funds. On, XX/XX/year>, I recieved an email from Capital One, stating my account was closed due to possible fraudulent funds being deposited, pending further investigation. 

Since XX/XX/year>, Capital One continues to state that the funds are still being held until Capital One returns the funds to the " original insurer ''. Capital One will not send proof that funds are in process of being returned or where funds are being sent. I assume the original insurer Capital One is referring to is Chime ( Stride Bank ). Chime has been contacted on multiple occassions and denies recieving funds or communication of any kind from Capital One. 

The funds are being held by Capital One, and have not been returned to the original insurer or made available to me.

Capital also has not proven that the funds were fraudulent, yet still will not allow me to re-open my account.

Capital One has been notified that a complaint with CFPB is being filed and has been informed that a request to escalate this matter to the managment team of their investigation department is requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is illegally reporting three charged-off student loans to the three credit bureaus past the 7.5-year period. In XX/XX/2021, I sent a letter to XXXX  disputing three charged-off student loans and requesting they be purged from the three credit bureaus in accordance with FCRA regulations ; however, XXXX  responded stating the information they reported was accurate and refused to request removal of the information from the three credit bureaus, XXXX, Equifax, and XXXX.
Product: Mortgage

Loan servicer : XXXX I submitted a complete loss mitigation application on XX/XX/22 My application was assigned to a single point of contact ( XXXX XXXX ) and, per the attached letter, I was told I would be contacted within 5 business days to discuss the status. I never received ANY follow-ups regarding my application. 

My online account does not contain any information about the application decision. 

On XX/XX/22 I called XXXX  to inquire about the status, unsuccessfully attempted to reach my XXXX, and was put on hold for over 30 minutes. 

When another customer service rep finally answered, she reviewed my account and told me the application had been denied. However, she could not tell me why I was denied nor whether I could appeal the decision as none of those documents had been uploaded into the system of record. 

Notwithstanding XXXX XXXX and XXXX XXXX XXXX violations, on its face it appears that the company would prefer that the account go into default rather than working with me on a resolution.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report. 
I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim. 
I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and 605 ( b ), 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 Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a report to the CFPB regarding the problem with an investigation into a credit reporting issue between XXXX and the XXXX main credit bureaus. That claim number is XXXX. 

The company, Transunion, gave the below response : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' This information is simply untrue as I immediately contacted Transunion at ( XXXX ) XXXX and escalated the call to a supervisor who confirmed that the misinformation regarding the late payment to XXXX is still in my credit report as of XX/XX/XXXX. In the section of my report that reads " Late Payments last XXXX  years '' it reads ( XXXX ) late payment for 30 days. However, in the historical section of my report it has OK for every month as if no late payments have ever occurred. 

I don't know if this is an oversight or if it's intentional. However, this error and inaccurate reporting is costing me financially. Transunion has misrepresented to the CFPB, a government agency, that the information contained within my report is not present on my credit report when in fact it is.
Product: Debt collection

On XX/XX/XXXX, I got a letter in the mail from Unifin Inc . It stated that I had atotal amount due of {$4900.00} and that I must pay it or this would be reported against me. The letter lists three different debt companies : XXXX XXXXXXXX XXXX XXXX. None of which that I have any accounts with. I had an account prior with XXXX that is past the statue of limitations to begin with. The issue at hand is the fact that I am a 100 % completely XXXX Veteran and became XXXX while serving my country. This company is contacting me about some debt they can't validate because I was overseas and had protection from the military lending act as well as the service members civil relief act ( scra ) from XXXX XXXX when I became XXXX. All accounts were notified when I XXXX and when I became XXXX. This company is harassing me for debts not owed.
Product: Credit card or prepaid card

To Whom It May Concern, I have a XXXX 's XXXX XXXX XXXXXXXX Card managed by US Bank and no one returns my calls about this billing issue. My XX/XX/XXXX statement had a balance of {$250.00} and the due date was XX/XX/XXXX. I mailed a check for the full amount on XX/XX/XXXX, which was cashed on XX/XX/XXXX as per my bank statement ( XXXX ). On Monday, XX/XX/XXXX, I have received my new statement showing the amount for XXXX unpaid and a few extra charges related to the payment not being received. I have called the number on the statement ( XXXX ) and left a few messages and no one returns my calls. Furthermore, I find it disturbing that every time I called, it goes directly into a voice mail for a single person ; no life person ever answers my calls. I need assistance in resolving this matter, since on one will return my calls to resolve this matter.

You may contact me at XXXX, but I would prefer that you contact my nephew at XXXX. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has my name sabotaged. They are having everything I apply for denied. Stating delinquency credit card balance too high late. But I dispute them for letting my information. Get hacked in the data breach, they are doing nothing. I have recieved a Letter from them Stating I have no credit e file I have not use any credit in 10 years and trying to make it look. Like Im XXXX. So I applied for a small loan that same day it was denied with information form Equifax. But they just wrote me starting I have no credit file and no history with them. This is a disgrace I am being blocked from credit by Equifax but they never protected my Information and let an unknown data breach occur.
Product: Credit reporting or other personal consumer reports

I reviewed my report and found late payment inaccuracies. These dont align with my usual history. Please make the necessary corrections. Thanks!
Product: Checking or savings account

On  XXXX   XXXX  I deposited a {$6000.00} check via my mobile device into my new account at Regions Bank in  XXXX , Al. The payor was a jewelry company that purchased an item from me. That company is located across  the street fr om Regions in  XXXX  and their check was drawn on a local bank. I was recently divorced and chose per my decree to return to my previous name  XXXX   XXXX . I opened the new account under  XXXX . I was previously  XXXX   XXXX  and the check was payable to  XXXX . On  XXXX   XXXX  I realized the deposit had not been credited to my account so I called Regions Customer Service. I was told the process normally takes  24  hours and would possibly post that day. It did not post that day so I called Customer service again and I was told that federal law allowed them to hold my deposit for 11 days. On The night of  XXXX   XXXX  I checked my mail and I had received a letter from Regions fraud department that said " we have received confidential information that the deposited check may not be paid '' and the funds would not be available until  XXXX   XXXX . On  XXXX   XXXX  I went into Regions to check on the possible fraud issue and I was told it was not fraud but the check was not paid by the payor 's bank due to NSF funds. I went across  the street to the jeweler that wrote the check. I viewed his on line account and saw that the check WAS  paid and had been drafted from his account. I also spoke to his banker who also confirmed that Regions had been paid for the check and it cleared the payors account and the funds were available. There was never an NSF issued. I went back to Regions and spoke again to the assistant manager, who then said there was a problem with my identify. I immediately provided her with my drivers license, SS card, and voters registration card, ALL under  XXXX . I then pointed out to her that Regions allowed me to open the account under  XXXX  with a  XXXX  ID. She contacted the operations manager and the fraud department in an effort to at least release a portion of my funds to meet my immediate need. The bank refused my request even though they had received the funds and I had proven my identity. This caused an egregious hardship on me and my family. Regions employees all told different lies about the receipt of the funds and the reasons for the lengthy hold. Even though the bank may be legally allowed to deny me access for 11 days to my money there was never a valid reason for them to do so. I am furious! They even offered me a LOC that would cost me interest to cover my immediate need. Regions should be paying me interest for holding my money! The law that allows banks to do that should be amended to define " just cause '' if the funds have been paid and consumer ID is verified.    XXXX   XXXX   XXXX
Product: Debt collection

I froze my credit card in XXXX of XXXX after my office shut down and I was temporarily unemployed. Previous to this office closure, I had always paid on time and had not missed any payments. When I called to reinstate my account I was told that it was past due and I needed to set up a payment plan with a specific website with a specific PIN number which I obtained. I was then contacted by mail in XX/XX/XXXX by an office representing the credit card company which stated the same information with a different total then I had. I wrote them back by mail in XX/XX/XXXX as was stated in the letter and detailed the agreed upon repayment plan and to confirm the payment restart date of XX/XX/XXXX. I did not hear anything further from anyone else until I was served with a summons on Wednesday XX/XX/XXXX stating that I had a court date of XX/XX/XXXX regarding this very credit card. They set up a plan and then proceeded to ignore the entire plan without contacting me and letting me know that they were no longer adhering to the plan we had agreed upon.
Product: Mortgage

Mr. Cooper failed to pay my condo insurance from escrow ( which has enough funds ), resulting in expiration of my policy. My call to their customer service line not only failed to resolve the issue, but also provided no proposed resolution or timeframe for doing so.
Product: Vehicle loan or lease

Refinanced with another bank. J P Morgan received the pay off a day late and negatively reported a late fee. When asked they said they couldn't reverse it even though it was just a day.
Product: Checking or savings account

On XX/XX/year>, I received an email notification from Robinhood stating that my account was being restricted due to unrecognized actions. 

Despite my attempts to address these issues through proper channels, Robinhood didnt want to answer and give my money back and chose to freeze my account without warning. As a result, I am unable to access the funds which is XXXX $ held in my Robinhood account According to the email notifications received from Robinhood, all eligible funds will be returned. However, I can not reach my Robinhood account, and there isnt an answer when I can reach my account again. 

However, the sudden restrictions of my account without adequate communication or opportunity to address the issues is unjust and has caused significant inconvenience and financial hardship. I filed this complaint to find a solution.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer. I am now opting out any and all authorized. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 U.S.C 6802b ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and
Product: Credit card or prepaid card

In XXXX of 2013 I was interested in building my credit so I opened a secured credit card with Bank of America. Since that date I have never missed a payment, I have always paid my balances off and my current balance is {$0.00}. According to XXXX and XXXX my credit score is between a 723 to a 754. I recently applied to have my account graduated from a secured credit card to an unsecured credit card. And you won't believe it, but I was declined! As far as I can remember, I was not given a reason, nor was I sent anything in writing from Bank of America as to why they did not approve the graduation of my card. I am extremely confused and disappointed since my scores are great and I have had no derogatory information.
Product: Checking or savings account

I am a XXXX XXXX for a small Subchapter S corporation. We have three accounts with Regions Bank. There have been an attempt to defraud the account which the Bank successfully blocked, however since the last 4 days beginning from XX/XX/2022 and running, my and the company 's CEO 's access has been blocked on line. I can not get any information through the Bank 's call center as to what I need to do to fix this situation. I have made three trips to my local branch attempting to restore my access to the money. I was told by the Branch Manager, XXXX XXXX, at my local branch of Regions Bank located at XXXX XXXX XXXX XXXX XXXX that the access has been restored to all accounts and provided with the reset information, all to no avail. My access was blocked. My ability to meet company payroll obligations are in peril because of my inability to access the accounts. I tried to do a transfer from the company 's main account to the payroll designated account, yet despite assurances that all is restored, I was blocked from doing interaccount transfer which will result in overdraft fee due to schedule federal quarterly employment tax obligations, as well is the state, not mentioning other company bills and obligations. All my pleas with the Regions are met with indifference and lack of ergency. The Bank Fraud Department refuse to provide any information in writing or orally, and keeps sending me to my local branch.
Product: Credit card or prepaid card

A dispute was filed with Comenity Bank over the phone regarding a purchase made on XXXX, the amount of {$1500.00}, a Mens bracelet, Item was refused via XXXX, received back by merchant on XXXX, XXXX tracking info attached to this complaint as well as transaction detail.. For whatever reason, merchant has not refunded to date. Dispute was filed several days ago, nothing done in re thus far as far as I know.. The account in question with Jared/Comenity Bank XXXX XXXX XXXX. Please see attached transaction detail as well as XXXX tracking info showing return..
Product: Checking or savings account

My mom put an overdraft protection on my bank card ever since Ive had navy federal but anytime my balance hit XXXX they charge me a fee multiple times even tho my account has overdraft protection just recently Ive noticed it has not done that anymore but Ive been a navy federal member for years and these past few months is the first time I have not seen the extra fee come out now what my account does is take money from my savings account to finish paying off the balance