23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I sent a letter out on XX/XX/2023 to XXXX, Transunion, and XXXX. However, its been more than 30 days, and the credit bureaus failed to send my investigation back. This is unacceptable. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Checking or savings account

On XX/XX/22, I was the victim of identity theft due to an impostor scam. The impostor contacted me identifying as a fraud department employee from Citi Bank. I was scammed into completing XXXX transactions that resulted in the loss of approximately {$30000.00} from my bank account. I contacted the bank immediately the morning of XX/XX/22 to report concern with money transfers from my savings to my checking account that I was not making. I learned that the scammer had in fraudulently opened up two additional checking accounts. Citi bank completed their investigation confirming fraud and credited my account with {$18000.00}. Two transactions that occurred during the fraudulent scam have not been credited. Citi bank has refused on multiple occasions to credit the two transactions completed on XX/XX/22 in the amount of {$4900.00} and XX/XX/22 in the amount of {$4900.00}. Citi bank maintains their position that the Transfers are considered authorized and consistent with my transactions. I have tried multiple times to appeal the decision given that Citi Bank has honored my fraud claim and that Regulation E applies to any EFT that was unauthorized. I was deceived into authorizing those transactions and I, the consumer, received no benefit. Between XX/XX/22 and XX/XX/22, multiple transactions occurred in my account that should have been detected by my bank as fraudulent and inconsistent with my banking practices, putting me at high risk for identity theft. Not only did my bank not safeguard my money, they allowed transactions to occur after I reported the concern.
Product: Credit card

Can't believe what just occurred so be careful with FNBO so they don't take advantage of you. We go to a restaurant once or twice per month and on XXXX occasions I played {$10.00} of XXXX. Got my credit card statement and noticed the charge of {$10.00} but then a separate charge of {$15.00}. Called the XXXX XXXX XXXX to ask what it was and they explained that they consider XXXX a XXXX XXXX and would not waive the {$15.00} fee. I have had this card for 28 years and use it frequently. Never a late payment and yet they will still not waive the fee. FNBO manager was rude to say the least. {$15.00} dollar fee on a {$10.00} charge is like going to a loan shark. Be aware! 

Never received a cash advance and charging a fee of 150 % is simply wrong.
Product: Money transfer, virtual currency, or money service

I was paid {$4000.00} by my sister. The payment automatically went to an old account. In order to access the account cashapp is requesting the security code of a debit card that I no longer have. I have contacted them multiple times to try to obtain access to the account. 

Their response has been to send me an email asking for certain account information. I have received the email 4 times from four different bots but have still not had my account issue resolved. I have attempted to speak to an actual person 4 times, but they continuously point you back to the emails which do not give you a response.
Product: Credit card or prepaid card

I opened an American Express delta skymiles card in XXXX with a promise of XXXX miles if I spent {$1000.00} in four months. I did that. I waited the 6-8 weeks it said for the miles to post to my Delta account. They never did. I called Amex onXX/XX/XXXX and was told this had happened to other people. They opened a complaint investigation and told me it would be resolved in a week. It was n't. I called back the following week and was told it was actually 7-10 business days, and would be resolved the the end of that time. It was n't. I called back today and was told the investigation takes four weeks. I spoke to a manager, who could not explain why the earlier representatives told me other times. He could not correct the error even though he cvould see that I had qualified. I know this is a minor complaint, but this company has failed to fulfill their terms and misinformed me multiple times about remedy. I feel like this stuff always happens to me and I 'm sick of it.
Product: Checking or savings account

The Bank placed a 7-day hold on my cashier 's check from XXXX XXXX in violation of Reg CC. This is abusive. The check was for {$8500.00} and there is more than enough money in my account there to cover it. Just another example of a bank abusing its customers
Product: Credit reporting or other personal consumer reports

Issued disputes on Experian and XXXX XXXX regarding errors on my credit report which were not corrected nor properly investigated
Product: Mortgage

I started to miss payments in XXXX of XXXX because my mortgage had increased by {$500.00} per month. I tried to call Freedom Mortgage to see what the problem was and they never could explain exactly why. They kept flip-flopping between something to do with the property taxes or the insurance. I never got a clear answer. I asked about possible loan modification/repayment options during the early part of XXXX in order to catch up with my payments but was told that they did not offer any of these services. I told them that my friend had received assistant through his bank with an FHA loan but Freedom Mortgage said, sorry, either you pay us the full amount or sell the house. In addition, I tried to refinance but they said no because I was behind. I ended up pulling money from my XXXX in order to reinstate the loan and wired the money to Freedom Mortgage on 8/16/17 which was one day before the sale date. I called Freedom mortgage to let them know and they said that my house would not be sold because I wired the money and they said not to send them any proof because they would review the wire when it came in. I offered to send them a copy of the wire receipt but they said that they did not need it. I assumed everything was ok but it turns out that the wire information provided to me by the bank was erroneous and my wire was rejected because of this. A few weeks after I received a letter on my fence telling me that the house had a new owner and to contact them in order to set up a " cash for keys ''. In a panic, I resent the money to reinstate the loan to them again but they sent me a check back telling me that they would not accept the funds. The mortgage has been reverted back to the lender and every time I try contacting them, they tell me sorry, nothing we can do and are not being responsible for the sale of the home even though I wired the money. I truly believe that the bank is acting in bad faith in that they did n't even bother to postpone the sale date after I notified them of the wire transfer. I have proof I sent the money in on the XXXX. My home was sold unfairly!!
Product: Credit reporting or other personal consumer reports

accounts from the year XXXX to XXXX has been opened without my knowledge using information leaked from the XXXX breach
Product: Checking or savings account

After the passing of my XX/XX/XXXX, I contacted XXXX XXXX in XXXX XXXX  to close my father 's account. I was told to me by someone in the estate department of the bank that I needed to submit these documents to define kinship. I submitted these documents at that time. It's XXXX of XXXX, and we are still waiting for a resolution from the bank and No contact from the bank about the status of funds in his closed account. 
They would not permit the local branch to assist with the matter. They required us to fly to XXXX XXXX to close the account when they had a local branch within the local city. It would have caused hardship on our part Popular Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, DEPT OF ED/XXXX XXXX XXXX opened XX/XX/XXXX Balance {$2300.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, DEPT OF ED/XXXX  XXXX Date opened XX/XX/XXXX XXXX {$4600.00}, DEPT OF ED/XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and DEPT OF ED/XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Bank account or service

Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching. 
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.
Product: Checking or savings account

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

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a zelle payment was made to XXXX XXXX for {$2000.00}. This payment was not made by either person on our account. XXXX says the zelle payment was accessed via fingerprint online. I'm the only one with fingerprint access and I did not approve or send this zelle
Product: Checking or savings account

In early XX/XX/2023, a Chase Checking Account check payment ( Check # XXXX, for {$1600.00} ) I made payable to my landlord ( XXXX XXXX XXXX XXXX ) and sent via USPS Mail was fraudulently intercepted and cashed by an unknown party via XXXX XXXX. I promptly notified Chase and submitted the necessary documents with a signed statement from my landlord representative on XX/XX/2023. Chase opened the claim, investigated, and issued a credit for the stolen check amount {$1600.00} on XX/XX/2023. However, Chase reversed this credit in XX/XX/2023, removing {$1600.00} from my account without a clear reason. When I called Chase customer service to inquire, Chase representatives provided different and conflicting responses. One explanation I received is that Chase has repeatedly contacted XXXX XXXX ( the bank that cashed my check without properly verifying the identity of the payee ) and has not yet received a response. Therefore Chase can not reimburse my stolen check amount until they receive a response, with no definitive timeline of when Chase would assume responsibility to reimburse me if XXXX never respond at all. The initial credit that Chase provided for me is only a courtesy and expires after 90 days if Chase can not resolve the dispute with the other bank. Another reason that other Chase representatives have provided is that a Chase employee had revoked the {$1600.00} credit in XXXX because they thought my account had been credited twice ( I only received the credit once in XXXX ; this is easily verifiable from my account statements and activities ). After dozens of times contacting Chase without a clear resolution during the span of 10 months, I still can not recover the money stolen from my checking account. Chase can not offer me any clear timeline or pathway for this issue to be resolved if XXXX XXXX never responds to Chases multiple inquiries. In the last letter I received from Chase on XX/XX/XXXX, they are putting the responsibility in my hand to recover my funds from XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2023 I went to the XXXX store in XXXX FL and made a purchased for {$1600.00}. I was given an extra discount for being a XXXX XXXX Customer and the total purchase was more than {$1500.00}. While walking out we noticed they had charged a 5 gallon paint at regular price when it was marked down. We returned and they apologised, refunded the item and re-do the purchase at the discounted price. 
Two days later, on XX/XX/XXXX, I received a notification from XXXX about a charge. I called the store to ask what is was about it, they said they didn't know and that I should call synchrony bank to find out. 
I called Synchrony credit services and they didn't know what the charge was either but went ahead and canceled my credit card and issued a new one. At that moment I lost access to all my transaction history. Four hours later I called the store and cancelled the items I had purchased ( they were appliances and had not been delivered ). When the transaction was canceled, they told me the " mystery '' charge disappeared from their system, proving that it was related to that purchased. 
Few days later, Synchrony had not issued the refund for the cancelled appliances. I called them several times and they said they had to investigate the matter. I went to the XXXX store and brought my paper receipt. They called Synchrony bank and sent them the receipt. At the same time they showed me a transfer balance they were doing to my new account. I told them I had made that payment on XX/XX/XXXX. Then they said it would take few days to update on the new account. 
From XX/XX/XXXX that Synchrony cancelled my credit card, they didn't give me any access to my transaction history. 
Just today, I found out, they posted a {$690.00} balance transfer form my previous card. I called them I told them that was an error and mentioned the payment done on XX/XX/XXXX. They said they couldn't do anything about it but send me the statements and I could then dispute it. 
Payments I made : XX/XX/2023 paid {$2300.00} ( They said that was the full amount owed ) Purchased after that. This information was provided by phone today by one of Synchrony credit services account manager. 

XX/XX/XXXX : {$37.00} XX/XX/XXXX {$110.00} XX/XX/XXXX {$13.00} XX/XX/XXXX {$320.00} XX/XX/XXXX {$240.00} XX/XX/XXXX : Paid {$710.00} All purchases done after XX/XX/XXXX were with the new card and are correct but the balance transfer of {$690.00} from my previous card is incorrect. My payment of {$710.00} posted the same day they close my account and their system marked it as balance when I actually paid it off. 

The cancelled credit card that the balance was transferred from last 4 digits are : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I called one of my creditors to replace a damaged credit card. Citibank, NA ( SYW ) Shop Your Way Mastercard XXXX. During that call the representative DID NOT obtain my authorization to pull my credit report. Furthermore, I've had this account open for almost 20 years. As soon as I learned of this FRAUDULENT credit report pull ( today XX/XX/19 ), I took action and called them back. They listened to the call from XX/XX/19 and agreed that my claim was valid. I do not trust Citibank to remove this inquiry from my credit report, however, bethatasitmay, I feel they should be held accountable for violating the public 's trust by illegally obtaining my credit report without my consent. This action by Citibank was completely unauthorized, fraudulent, and borderline criminal. The reason we have consent it to avoid situations like this where borrower 's scores are lowered and to no fault of their own, now have less access to credit or competitive APR 's. I'm buying a house and this has negatively impacted my interest rate! Totally unacceptable. Please help me hold Citibank accountable. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

New address : XXXX XXXX XXXX XXXX XXXX old XXXX XXXX XXXX XXXX XXXX fl XXXX ftc violations listed : XXXX/XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$3700.00} Term -- Monthly Payment {$140.00} Responsibility Individual Balance {$4200.00} Highest Balance {$4200.00} XX/XX/XXXX Account Type Flexible Spending Credit Card Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit {$3000.00} Term -- Monthly Payment {$120.00} Responsibility Authorized User Balance {$2900.00} Highest Balance {$3300.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$210.00} Times 30/60/90 Days Late 1/0/0 XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$110.00} High Balance {$110.00} Remarks --
Product: Credit reporting or other personal consumer reports

Subject : Lack of Response from Transunion Regarding Section 609 Dispute. 
To whom it may concern, I talked to a representative of Transunion on XX/XX/2024 regarding disputed accounts on my credit file. The representative said that Transunion had received the required documents I have sent in to remove the disputed accounts. I called back on XXXX XXXX to make sure Transunion kept their word, it never happened. I am expressing my concern regarding the lack of response I have received from Transunion regarding disputed accounts I have filed under the provisions of Section 609 of the FCRA. I submitted a formal dispute to Transunion, exercising my rights. Under Section 609, it stipulates that the credit reporting agencies must provide a detailed verification of the accuracy of the information they report within 30 days of receiving dispute. However, since my last initial submission, I have not received any documentation regarding my dispute. Giving the significance of Section 609 in protecting consumer rights and ensuring accurate credit reporting, I find this deeply concerning. It is imperative that the credit Bureaus fulfill their obligations under the law by promptly responding to disputes in a timely manner. I did not receive a written response response within the reasonable time frame concerning the actions taken in response to my disputes. I am well aware of my consumer rights and will not hesitate to pursue further action including filing a complaint with my State Congress. 
Thank you, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion are reporting an unsubstantiated claim by XXXX XXXX XXXX a collection in the amount of {$2700.00} partial account number ****XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.
Product: Money transfer, virtual currency, or money service

Hi, i did a wire SEPA transfer on XX/XX/XXXX of a sum of XXXX Euros into my Coinbase wallet and im still waiting for my money, talked with the costumer support few times, i have provided all information i have been asked and im still waiting. 

They claim that the reason why i havent receive my funds is because i need to verify my ID, by XX/XX/XXXX my identity was still verified, now i have changed my phone number and im trying to verify my id but their verifiying ID app isnt working at all. 

Thank you in advance XXXX XXXX XXXX