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

This is a follow up of complaints XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX. 

Yesterday when I went to the Bank the person whom I interacted with Mr.XXXX   said the deposit of the cheque will be put on hold. However today, I see that the cheque status as " Return of posted check '' XX/XX/XXXX Show additional information for activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION activity type credit status type icon cleared Cleared. Select to mark activity type credit XXXX RETURN OF POSTED CHECK / ITEM ( RECEIVED ON XXXX ) ELECTRONIC TRANSACTION as Reconciled XXXX XXXX They also started the transfer that I requested to stop. They deducted " {$3.00} '' from my account on XX/XX/XXXX. 

They put a freeze on my ability to pay bills. 

They are overdrawing my account to transfer money out of a closed checking account which does not have money. 

This is the most atrocious scam I have ever encountered. As a citizen of this country, I am not sure why we tolerate practices like this. 

Hold Transaction layer PENDING DEBIT/HOLD ON XX/XX/XXXX activity type debit status type icon hold XXXX XXXX XX/XX/XXXX Show additional information for activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX activity type bank charge status type icon cleared Cleared. Select to mark activity type bank charge XXXX External transfer fee - 3 Day - XX/XX/XXXX Confirmation : XXXX as Reconciled XXXX XXXX XX/XX/XXXX Show additional information for activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... 
activity type debit status type icon cleared XXXX. Select to mark activity type debit XXXX FORCE POST DEBIT For an Overdraft Protection Transfer Posting Da te of ... as Reconciled XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

while checking my credit report I noticed a few things that's on my credit that doesn't belong to me I would like for these fraudulent accounts removed the accounts are 1.enhanced recovery company in the amount of {$230.00} that was opened on XX/XX/XXXX 2.XXXX  XXXX  XXXX  in the amount of {$6000.00} that was opened on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiples disputes regarding information Experian has wrongfully reported on my consumer report. It has been more than 30 days and have yet to receive any response or update. Please find the documents attached as I have taken the necessary steps advised to fix this urgent issue.
Product: Credit card or prepaid card

This afternoon, I tried to use my discover card at XXXX but it was declined. Soon after, i checked my account and was charged twice ( {$60.00} each time ) for the declined transaction. After speaking to with discover customer service, they informed me that discover cards currently could not be used in chip reader or swipe readers in stores *anywhere. * On the call, they said both transactions would be removed from my card. While i am happy that the charges will be removed, i should have been notified by the company about the issue. Since they were aware that their cards were not able to be used in stores, consumers should have been notified when they became aware of the problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I contacted XXXX to request additional information regarding charge-off account # XXXX, which is being reported by XXXX, Equifax, and XXXX. Despite providing my full name, address, the last four digits of my SSN, and the full account number, XXXX responded on XX/XX/year>, stating they could not fulfill my request due to insufficient information. Adhering to protocol, I filed a dispute with the credit bureaus on XX/XX/year>. However, on XX/XX/year>, XXXX reiterated the same response, yet the charge-off continues to appear on my credit report. Both response letters from XXXX is attached. 

Equifax, XXXX, and XXXX, how can you claim that the account has been verified by the creditor when XXXX can't verify me despite having all my details like full name, address, account number, and last four digits of my SSN? Please see the proof of attachment.
Product: Checking or savings account

I have been trying to withdraw my money from my XXXX account since XX/XX/XXXX without success. Because they make it so hard to access my money, I have been trying to close my account and have my money transferred to another bank for 2-3 weeks now without success. I have called them over and over and am told different information and have been promised that the problem is solved and I will get my money, but I still do not it. It seems illegal for them to deny me access to my money for 2 months now.
Product: Credit reporting or other personal consumer reports

Ive been waiting for days for XXXX to provide me the free credit report and they havent. I spoke to XXXX who gave me the case # XXXX, telling me itll take hours for the issue to be fixed and its been days. 

Same thing with Transunion, cant see the report or the score, even that I paid for it. Theyve been having technical difficulties for ever. I had to submit a complaint in my card. Transunion has always had a mess with my information and I have provided several times my IDs and still having issues.
Product: Credit reporting or other personal consumer reports

I recently seen some unauthorized inquires on my credit report on XX/XX/XXXX, which I did not sign any paperwork for or have consent I am completely unaware of this matter that took place during XX/XX/XXXX. Also my credit has been involved in a XXXX XXXX XXXX  data breach as well as XXXX.
Product: Debt collection

This is the second time that this fake debt collectors calling and harassing me that I owe them money from a payday loan that has closed for 4 months and the XXXX XXXX XXXX and when I had went to the bank they said you owe {$470.00} and the debt collector said I owe them {$600.00} their was no contact or a letter by mail and they have called me and harrased my family so I had gave my debit card that I do n't use and they set up a payment plan for me and I told them that I ca n't afford it because I am on social security XXXX and the collectors say if I did n't pay them the will have me arrested and send me to court to get the money so I had send them {$100.00} to keep them off my back and Wednesday they have called me from all types of fake phone numbers and they call from a XXXX voip and I told them do n't call me any more because. I am paying the client myself and I got screamed at and the collector said you are sending your money in the wrong place and why? And comming to find out this XXXX bassed company National Mediation Services is a fake company.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX  : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : authorize inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX : unauthorized inquiry XX/XX/XXXX XXXX : unauthorized inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : unauthorized inquiry
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX  XXXX XXXX Balance Owed : {$4600.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00}
Product: Credit reporting or other personal consumer reports

Subject : **Dispute of Inaccurate Information Repossession/Charge Off Account** To whom this may concern, I am writing to formally dispute the accuracy of a reported account on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have identified an entry related to a repossession of a vehicle, which I believe is inaccurate and requires investigation.

The entry in question is related to a repossession of a vehicle from a dealership that is no longer in business. Specifically, the original creditor listed is XXXX  XXXX XXXX, and the account number is XXXX. As the dealership ( XXXX XXXX, XXXX XXXX, XXXX  ) has ceased operations and is no longer in business, I have not been able to verify the accuracy or legitimacy of the debt.

Under the FCRA, I am entitled to a timely investigation of any disputed information on my credit report. As the original car dealership is no longer available for validation or resolution, I request that you initiate an investigation into this entry, including verifying the validity of the debt, the correct amount, and the accuracy of the reporting of the repossession.

Please be advised that, in accordance with the FCRA, you are required to complete your investigation within 30 days and provide me with the results in writing. If you are unable to substantiate the validity of this account, I request that you remove this item from my credit report.

Thank you for your prompt attention to this matter. I look forward to your timely resolution of this dispute. 

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

I have attached an FTC report with inquiries I did not authorize. There is also an account from XXXX XXXX XXXX XXXX and I do not have a loan with them and it is showing on my credit report.
Product: Credit card or prepaid card

I have reach out to the three credit bureaus on many occasions. Each of my credit reports are not matching. On XXXX XXXX XXXX XXXX  a charge was made for XXXX dollars to a collection agency called XXXX XXXX in someone elses name I did not realize it to a couple of months later because I had a brain injury. I notice it around XXXX XXXX XXXX. Bank of America told me that I had to still make payments and at the time I was out of work. I did not make the payment. Last year around XXXX I agree with them I would start making XXXX dollar payments. So far I made a total of XXXX in total towards the bill. I have also made many disputes my credit is showing as bad debit which has caused a lot of hardships were I pay very expensive car insurance now. They closed all my credit cards its been a ruff year for me. This is not the only card that I received the charge on I gave another one as well. This really ruin my credit I am finally able to take the time out to start getting into my credit report. I gave follow up with Bank of America spoke with rashod the manger. I only speak with him I have set up a payment plan of XXXX dollars since last XXXX and it is now XXXX and it still shows I have not made one payment since over a year. The only reason. Why I did this program wa sto restablisg on time payments this is really upsetting.
Product: Student loan

I attended the XXXX XXXXXXXX XXXX XXXX : XXXX and was regularly lied to and persuaded to take loans out to continue my education at the XXXX. They regularly made pervasive and widespread substantial misrepresentations on my potential career opportunities my education, job placements, and future costs of education. I was told on multiple occasions that if I refused to sign the loan agreement forms, I would be removed from student housing and no longer welcome at the school. I was often told to stop into the office to sign paperwork for the next semester without being told that I was signing loan agreement forms. Many of these loans had variable interest rates not provided to me and were split into smaller individual loans to hide the total costs. I still have both Federal and Private loans from the XXXX XXXX. The Federal loans are being discharged because of Borrower Defense. 

I attended the XXXX XXXX of XXXX from XX/XX/XXXX to XX/XX/XXXX The Private Loans - Currently handled by Navient Loan 1 - Original Principal - {$23000.00} -- Current Balance = XXXX $ ( XXXX in interest alone ) Loan XXXX - Original Principal - {$22000.00} -- Current Balance = XXXX $ ( Interest payed {$40000.00} ) Loan XXXX - Still in Repayment - Original Principal - {$15000.00} -- Current Balance = {$25000.00} ( Total Accrued Interest {$23000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX typeSingle XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXesident typeSingle family XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXpeSingle family XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Resident typeSingle family XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Dispute filed with BESTBUY/CBNA Credit Card contacted Local Bureau but not all Bureaus XXXX Dispute filed with XXXX ( Account has been removed from XXXX, however, the remaining financial institutions XXXX, and XXXX have failed to remove this account from my consumer report. )
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00}
Product: Debt collection

Was called by Cemenity Bank. They new my name and phone number. The debit was for a relative. I would have been OK with it however the collector was rude and belittling. He asked him so stop calling my number I said I was on the government do not call list. He said I was XXXX. I asked him repeatedly to stop calling my number. Finally I had to repeatedly telling to stop calling my number I ordered to get him of the phone. 
Here is the number they gave me to call back and the extension # XXXX
Product: Debt collection

I received a notice of a civil action lawsuit from our constable today for {$820.00} + fees of XXXX. I wasn't even sure what this was for, apparently it was for target. i didn't even remember this debt. I contacted the company listed, Weltman , Weinberg & Reis Co. , L.P.A . I was told that they sent me 2 letters and 1 call. When I said I didn't get any letter I was told they were sent 1 in XX/XX/2020 and 1 in XX/XX/2020. So 2 letters were sent in 2020 over 13 months ago and the next step is a lawsuit? next step is a lawsuit after shutting down from a pandemic? I dont even remember seeing these. This is a disgusting practice. I spoke with their attorney, XXXX XXXX XXXX ( ( XXXX XXXX XXXX ) ), who very confidently informed me that letters were sent. I am assuming that the company halted civil action lawsuits for a period during the pandemic, but then just file a lawsuit with no new notice??
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  This account is listed innacurately amongst all 3 credit bureaus. The " Date of Last Payment '' is showing a different date each for XXXX, Equifax and XXXX. 
Id the date of last payment is incorrect it falsely manipulates the statute of limitations on when this account is supposed to fall off.

This is a violation of my consumer rights. Please delete this account immediately Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Vehicle loan or lease

This company has reprocessed my vehicle for the second time after unlawfully reprocessing the first time and never resolving the issue which cost me over XXXX dollars and continued to charge me fees. They recently reprocessed the vehicle again after improperly adding an extra {$150.00} to my monthly payment for insurance and offering me a deferment that was never actually complete because there were still charges the very next month, After violating the FDCPA for not advising the mini-Miranda every single time they sent unwanted emails. A claim will be filed with the courts by legal counsel for the violation and possibly a class action I know there is several other consumers they screwed.
Product: Mortgage

My husband and I took out a HELOC in XXXX with Wells Fargo. At the time, we were approved and locked in at around 7.87. A few days before the signing the documents, Wells Fargo raised the rate to 8.75 or so. We had no choice because we were purchasing another home that required this HELOC to fund the sale. 
Fast forward with the financial meltdown on our business in XXXX. We found ourselves in a financial crisis in XXXX. We turned Wells Fargo for the next several years to get a modification on our second to no avail. I was getting the runaround from them. Constantly sending documents, faxes and phone calls to Wells Fargo unanswered. Promises made by Wells Fargo and documents list. 
On XX/XX/XXXX my husband and joined in a Class Action Lawsuit against Wells Fargo. Wells Fargo failed to help us in the year XXXX on a modification we desperately needed at the time on a HELOC. Wells Fargo gave us the runaround up into XXXX. When we had no choice but to file XXXX.
Product: Credit card

The merchant is XXXX, my purchase was for a " Drill Bit Sharpener '' on XX/XX/2025 for {$160.00}. The merchant provided false tracking numbers with both USPS and XXXX. The item associated with XXXX of these tracking numbers weighed only XXXX XXXX, the " Drill Bit Sharpener '' weighs ~ XXXX XXXX. I disputed the charge for non-delivery of goods and provided details of the false tracking-numbers/shipments. Although I have provided extensive documentation of this fraud, I have been denied a refund by both the merchant and my CITIBANK credit card.
Product: Credit card or prepaid card

I AM FILING A FORMAL COMPLAINT AGAINST XXXX XXXX XXXX WITH CITIBANK. SHE INFORMED ME THAT SHE IS NOW ASSIGNED TO MY CASE BECAUSE I FILED A COMPLAINT AGAINST CITIBANK. SHE IS MORE RUDE AND MORE SNIPPY. SO YOU FILE A COMPLAINT WITH A FEDERAL AGENCY TO PROTECT YOU AND CITIBANK SENDS YOU A PERSON TRAINED TO CRUSH YOU. 

I HAVE REQUESTED THE INTERNAL RECORDS TO SEE THE CARD ENDING IN XXXX THAT MAGICALLY BECOME XXXX AND CARD XXXX. XXXX CAN SEE THOSE RECORDS. SHE HAS INFORMED ME THAT SHE ALREADY SEES WHERE CITIBANK IS RIGHT AND I AM WRONG. 

I WILL ONLY BE RECEIVING " STATEMENTS '' IN XXXX WEEKS, ARRIVING AFTER SHE MAKES HER DECISION. 

THIS PROCESS IS TOTALLY UNILATERAL. CITIBANK IS IN FULL CONTROL.
Product: Mortgage

Hello, I have called several times to inquire why my property taxes have not been paid yet by Selene finance and still do not have an answer. I am being told SelenXXXX is waiting on an " Approval '' for my property taxes to be paid, however, that doesn't make sense as Selene is the one paying my escrows. Apparently, when Selene purchased the loan, the escrow account was not set up and the setup is still pending. We can not continue to wait indefinitely for the " approval '' of our escrows to be paid. 

My property taxes are nearing the due date in which I will incur a penalty for late payment. Additionally, the taxes should have been paid in XX/XX/2021 so that we get the 4 % discount. The lack of communication and clarity pertaining to our escrow account is unacceptable. We have done everything required of us to make sure our mortgage remains current every month and will not allow Selene Financial to put our credit worthiness at risk and/ or our home in jeopardy of being foreclosed upon. We made one final attempt to request an update on our account, specifically relating to our escrows, before contacting the CFPB to file a formal complaint, but still no response.
Product: Credit card

I encountered difficulties with my Chase Bank account recently. Despite following the necessary procedures and guidelines, I faced challenges in resolving certain issues. The troubles began on XXXX XX/XX/year>, when I attempted to perform action on my account. However, I encountered unexpected obstacles and errors in the process. 

Despite my efforts to rectify the situation, including contacting customer support and seeking assistance through various channels, I have been unable to resolve the issue satisfactorily. The lack of clear communication and timely assistance from Chase Bank has made it challenging to address the problem effectively.