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

In XX/XX/2023, I made two mobile deposits to my Citizens Bank checking account. Both were XXXX checks from the XXXX XXXX XXXXXXXX Department, one in the amount of {$6100.00} and the other in the amount of {$2700.00}. Without notice to me, Citizens Bank placed a hold on the availability of these funds. I called Citizens Bank on XX/XX/2023, to find out when the hold would be lifted, and was told that the entire amount of the 2 deposits would be available on XX/XX/2023. In reliance on this, I arranged for bill payments to be made on XX/XX/XXXX. 

On XX/XX/XXXX, I discovered that the hold had not been lifted. I called Citizens Bank again, and this time was told that the funds would not be made available until XX/XX/XXXX. My account in now overdrawn, by reason of the bill payments I made. I have no other income, other that Social Security. I am between apartments and will now have to sleep in my car until XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to resolve this issue with you over 1 year and you failed to remove the Fraud item XXXX XXXX off my Experian Consumer report. I am a Victim of Identity Theft and provided you with all the proof of the account not authorized by me to be opened and you still have not yet blocked or removed the entire account. The other two Credit Reporting Agencies, XXXX and XXXX  did their job and removed this item off my credit reports immediately. It is only your reporting agency that has neglected my dispute. Please have this account blocked/removed off my Experian consumer credit report immediately or I will take legal action.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX  XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : SECURITY CREDIT SERVICES Account Number : XXXX
Product: Money transfer, virtual currency, or money service

Western Union has promoted and has made known through their website that money I will be sending will be available in minutes. They are somehow delaying the transfer, when my family overseas need it the most. I have transferred an amount of less than 100USD. I talked to their Customer Service and they tell me to wait for the whole day for the transfer to complete without even giving any reason as to why whatsoever. I chose the service because of their promise of swift transfer in minutes, yet they did not comply with their own terms. I would understand if they gave me a understandable reason for the delay, yet there was nothing coming from them, they just wanted us to wait. I wouldn't have chosen the service if that were the case. They even suggested that the receiver to travel to a nearest local agent location to receive the transfer, which would make the receiver spend unnecessary and significant amount of money, effort and most importantly time, which we are short of. 

Transfer Tracking # ( XXXX  ) : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

VENMO BANKING SCAM- NOW ATTACHED IN BOTH EMAILS HERE ARE ABOUT 20 DOCS THAT SHOW VENMO ROBBED ME- MISPLACED MY MONEY - PUT IT IN THE WRONG BANK AND THEN, WITHOUT AUTHORIZATION, {$1400.00} OF MY MONEY FROM A XXXX XXXX CREDIT CARD - LINKED TO MY BANK ACCOUNT - AND THEY SENT IT TO XXXX XXXX WITHOUT MY CONSENT. I ALWAYS PAID XXXX XXXX THROUGH CHECKING- I HAVE NEVER PAID A BILL THROUGH MY BILL PAY BY WAY OF ANY CREDIT CARD IN THE HISTORY OF MY LIFE. THIS WAS A DELIBERATE AND ILLEGAL INVASION OF MY ACCOUNT - BECAUSE IT WAS LINKED. 

SORRY - FOR ALL CAPS But I am XXXX. 

So, now I have {$1400.00} my XXXX XXXX XXXX  's Checking account and have called VENMO and told them to fix it ASAP - they have put the money into the wrong checking account. It's in the wrong account and I have a landlord who lives in XXXX! Since VENMO had wrongfully taken {$1400.00} from my XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Credit CARD on file - WITH XXXX XXXX- NOT- I REPEAT- NOT with VENMO. THEY ACCESSED THIS XXXX XXXX CREDIT CARD THROUGH MY XXXX XXXX  CHECKING - WITHOUT PERMISSION and just charged {$1400.00} on it. So I took the money they put in my XXXX XXXX account and paid it ALL to XXXX XXXX XXXX- the card THEY USED without my permission for this exact amount. 

Now Venmo tells me I owe them - XXXX. I try to call them over a dozen times. They refused to answer and out of 12 calls I was purposely disconnected nine times. They are trained to hang up on the customers- under the idea that these people will give up and just go away. I texted them in CHAT dozens of times and only kept the attached conversations, but I went crazy. They dragged this out for months and harrassed me via MULTIPLE texts- OVER 100 OF THEM- but would not respond with a single human being. They ran me in circles and refused to close my account. 

Now they are well KNOWN FOR THIS KIND OF theft - taking money repeatedly from people I know- and then telling those people they can not get their money back- they say I have it. I do not have it. It's in a locked account that these criminals are making interest on every day. 

They have no intention of making right on what they did. Two of my clients, XXXX XXXX XXXX ( PhD head of Covid research in XXXX, and XXXX  from XXXX, XXXX XXXX XXXX have both had their MONEY TAKEN BY XXXX STOLEN XXXX XXXX XXXX then sent {$700.00} to my Venmo Account 2 months ago and they stole this money too. They REFUSED to give it back to XXXX XXXX and refused to release the money to me. They refuse to even answer a phone call or respond to anything in their chats. They have driven me to the point of rage, depression and they have financially destroyed me with both of the these malicious acts of outright theft. 

NOTE : This is a XXXX owned bank and they should not be able to do business in XXXX. They are targeting and robbing the American people.
Product: Credit card or prepaid card

My Capital One account has been closed and paid in full for a long time I NEED it OFF my credit report. I was supposed to receive a letter stating these facts and still have not received it. Your yuck to put it on my credit but no one cares to make it right and remove it once its been paid! PLEASE take it off my credit report Im working hard to repair it but you need to do your job in order for that to happen. Thank you And I have no document because the collection agency lied and never sent it I was supposed to have it in 7 days well im still waiting months later
Product: Money transfer, virtual currency, or money service

I was blackmailed after chatting online with a woman. XXXX XXXX XXXX XXXX XXXX  and they took screenshots and threatened to send the pictures to my XXXX friends unless I paid them {$300.00} on PayPal.
Product: Payday loan, title loan, or personal loan

I took out a loan on XX/XX/XXXX for {$750.00} I made 24 installments every 2 weeks totaling {$4400.00}. I have since found out the max interest rate allowed in nj is 30 % and they were charge about 700 % and they are not licensed in nj. When I contacted them on XX/XX/XXXX they would not refund the amount I have over paid in interest. I am seeking to get a refund in the amount I have over paid.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable Reinvestigation of disputed information on my credit report leaving inaccurate Or unverified Account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against experience alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. these failures aligned with my experience where Experian has neither correct it nor removed Dispute it items despite the evidence provided, Causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction Violates fragile law and my rights as a consumer
Product: Checking or savings account

My debit card was stolen, and someone ran up approximately {$840.00} on it in 1 day. I noticed approximately 24 hours from the first charge, and notified the bank ( CHASE ) immediately. They filed 3 separate claims ( 1 to XXXX, 1 to some place I've never heard of called XXXX XXXX XXXX XXXX XXXX, and 1 to XXXX ) - all used in XXXX, AZ while I have clear evidence which can be substantiated that I was in XXXX, AZ working from home. They initially refunded the money while they investigated, but on XX/XX/XXXX, reversed the refunds. I called them today ( XX/XX/XXXX ) and they stated that " because your PIN was used correctly for the transactions, your claims were denied. '' It is my understanding that, under the Electronic Fund Transfer Act, I am only liable for {$50.00} of the CLEARLY unauthorized charges ( since I reported within 2 days ) and I told that to CHASE claims dept, but they shrugged it off as if they are not bound by that law. The reversals thus far have come out to an amount of {$270.00}. The investigation vs XXXX still seems to be ongoing.
Product: Credit card or prepaid card

My name is XXXX XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX NY, XXXX. This is in regards to American Express card # XXXX On XX/XX/2020, I purchased tickets to a XXXX basketball game from XXXX  using my American Express card for {$550.00}. The company sent me the wrong tickets and refused to exchange them. I contacted American Express and they sided with the company since the company has a policy of no refunds. American Express did not look into the nature of my complaint - i.e., I was sent the wrong tickets. 

The game was cancelled due to COVID and then the whole XX/XX/2020 XXXX  season was cancelled. XXXX offered me credit that is good until XX/XX/2020. Unfortunately, all arena events are cancelled in my area for XX/XX/2020due to COVID. I again submitted a dispute to American Express. They did not read the complaint and simply re-stated that the company does not issue refunds. 

XXXX XXXX have refunded all ticket holders for the XX/XX/2020year and XXXX  is keeping the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian along with the help of XXXX XXXX has improperly reported information on my credit report for years and broke the law. They have admitted this to me in writing and I demand remedy from Experian for the improper use and damages. I have attached a affidavit and the exhibit proving these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Dept of Educatiion that they are inaccurately reporting that I was late in XXXX 2017. I have asked them to provide me with proof of these late reportings. Please assist me in getting these late  reportings removed from my credit file. 

There are 3 XXXX of XXXX Accounts that are reporting inaccurate late payment.s
Product: Credit reporting or other personal consumer reports

Hi, XXXX XXXX XXXX XXXX rejected my policy due to a wrong report from LexisNexis, the report reference number : XXXX & XXXX. 
Report : DATE CAUSE OF LOSS AMOUNT XX/XX/year> Damage to property of others {$0.00} I would like to dispute this report, my neighbor caused this fire but it's reported in my name. in 2022 XXXX, I lived in XXXX XXXX apartment ( XXXX XXXX XXXX ) XXXX XXXX but the fire originated from the second floor ( XXXX XXXX XXXX ), I have the fire report from the XXXX XXXX Department XXXX please find the attached fire department report and my leasing agreement. 

Even this incident was reported in the news channels and they did mention the fire was originated from the second floor. news link XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to the credit bureau regarding inaccurate & unknown items on my credit report. Until this day ( 42 days ) later, I have not gotten any reply from the credit bureau regarding my dispute. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been 42 days so they should be deleted promptly. I demand that these items be deleted immediately or i will file litigation due to stress, frustration & denial of credit due to these inaccurate items on my credit report. My personal information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection letter was sent to me by DNF ASSOCIATES add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, DNF ASSOCIATES LLC has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX dropped my score by XXXX points. I put a complaint in, but to see their specific reason I would have to pay them. I believe this is unfair. They should provide a detailed response for free. My utilization is less than 24 %, all my payments are on time, I have owned my home for 33 years. My mortgage is less than 30 % of its value. All my payments are on time. I am paying off my credit cards, with a new equity loan, using less than XXXX dollars of it. I would like an realistic response and one that is free, telling me why the drop in plain and detailed information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry date- XX/XX/XXXX XXXX XXXX cbna PO Box XXXX XXXX XXXX , sd XXXX RE : Unauthorized Credit Inquiry Dear XXXX XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, Inquiry date- XX/XX/XXXX Consumer portfolio svc XXXX XXXX XXXX XXXX XXXX , ca XXXX RE : Unauthorized Credit Inquiry Dear consumer portfolio svc, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

Respectfully, - Inquiry date- XX/XX/XXXX XXXX XXXX XXXX RE : Unauthorized Credit Inquiry Dear XXXX, I have recently reviewed a copy of my credit report. I am concerned because there was an inquiry by your company that I do NOT recall authorizing. 

It is my understanding that you can only make an inquiry to see my credit report if I authorize it. I would like for you to remove this unauthorized inquiry for it is negatively affecting my credit score.  Please send me confirmation that this has been done. Otherwise, in the unlikely event that I am remiss then please send me documentation showing me so, and I will review it for its authenticity. 

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

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XXXX XXXX,2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have had a traditional XXXX yr mortgage with Chase ( account XXXX ) since XXXX. We were never delinquent on a payment, each month Chase sends me a monthly statement with a coupon for the next payment. In XX/XX/XXXX, I never recieved their statement or coupon, and I did not send in my XXXX mortgage payment. I recieved the statement + coupon for XXXX, and XXXX was paid on time. The first week of XXXX I was contacted by Chase telling me our mortgage was delinquent, I looked into it and agreed that I missed XXXX 's payment, and made 2 payments in the next week to catch up. Now we are trying to apply for a line of credit, but were denied, as Chase reported we were delinquent x 2 payments, I say we were delinquent for 1 payment, as when I was notified that our XXXX payment was never made, I paid it plus our regular XXXX payment in the next few days. 
Now due to this error we have been denied a line of credit we need for expenses for an upcoming child 's wedding, not to mention the negative impact this has had on our credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, WELLS FARGO, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, WELLS FARGO, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Debt collection

Credit Control Services is reporting under XXXXcredit bureau and have not verified debt.
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding persistent inaccuracies in my credit report that have not been resolved despite these attempts to correct them through direct communication with the credit reporting agencies and creditors.

I am requesting that you could help me to : 1. Conduct a thorough investigation into the inaccuracies I have outlined. 
2. Ensure that the credit bureaus and creditors involved take the necessary corrective actions. 3. Facilitate the removal of the erroneous late open accounts and outdated/inaccurate public records from my credit report. 
Accurate credit reporting is crucial, and despite my repeated efforts to correct these errors, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on the CFPB to intervene and ensure these inaccuracies are rectified. The following items should be remove as soon as possible : 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: Checking or savings account

I received a letter from Wells Fargo so I called the number and believed it to be the bank -- I provided personal information such as my birthday and social security number. The phone number was XXXX.
Product: Mortgage

On XX/XX/XXXX, Regions Bank sent me a letter indicating that I had no homeowners insurance despite my new homeowners insurance policy being sent to them on XX/XX/XXXX directly by the insurance company. When I go to the bank 's portal, they indeed show the correct policy number, but incorrectly entered the effective date as XX/XX/XXXX instead of XX/XX/XXXX. There is no way to reach a live person to inform them of their error and they are saying they will buy and charge me for a homeowners policy.
Product: Credit card

Synchrony bank closed my XXXX 's card in XXXX XXXX XXXX. The account had a zero balance from XXXX to XXXX. A {$15.00} bill was due on XX/XX/XXXX. I disputed the amount and requested verification of the transaction. Synchrony didn't investigate or contact me about the charges. I didnt make payment on XX/XX/XXXX because amount was in dispute. Synchrony added late fees and finance charges without following proper procedure of consumer protection laws. They immediately reported negative to credit bureau. In XX/XX/2024 I paid the amount of {$15.00} after not getting any response from my original dispute. After paying the amount that was originally disputed synchrony continued to add fees and charges. And reported negative to credit bureau. I contacted customer service and they admitted to reporting negative information without following procedures. And I would say they attempted to use questionable tactics to coerce me into paying additional fees other that what was originally disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am currently in the middle of purchasing a house. I am a veteran just trying to use a VA home loan to accomplish my goal. I have been approve based on my credit score with XXXX  but lack of reported credit and unwillingness of communication between credit bureaus and companies, even at my own personnal request, as well as between the credit agencies themselves is appalling. The only thing I was requesting was proper communication between all parties involved. 
My loan officer ran my credit reports from three credit bureaus. On all three reports there was missing information between the three. XXXX, Equifax and XXXX  all had info on them that was not in the other. The report showed an open line of credit open on Equifax but not the other two.XXXX showed a child support balance, paid in full. And XXXX   showed another State child support also paid in full. What i asked of the bank showing the line of credit to report it to the other two credit bureas, they claimed they only report to equifax and refused to report to the other two agencies. When i contacted XXXX they informed me that there was nothing they were willing to due to add the credit line to the report. Both Washington state and North Carolina State child support agencies informed me they report to only the one respective agency. When I requested the paid balances be reported to the other agencies they replied with the same answer of they refused my request. I have tried to get this issue resolved so i may be able to use my VA benefits to he best of my ability but feel as though there is no cooperation or willingness for a smple exchange of information. I am requestion assistance in resolving this issue in a timely matter due to the process of requiring a home for my family and I. 
Thank you -Time frame and date of incident is : Report generated XX/XX/2019 @ XXXX Attempted actions to correct issue : XX/XX/2019 between XXXX and XXXX ( Mountain Time )