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

On Friday XX/XX/year> I deposited a check into my Citibank checking account for XXXX dollars, a few hours later I was out and about downtown meeting up with a XXXX  XXXX to pay for my XXXX XXXX  I go to pay for it Im declined, afterwards I try to log into my app to see whats going on, Im locked out of my app I check my emails see if maybe there was something marked as fraud since I just tried to swipe a large purchase, no emails no alertsI call citi bank speak with someone who tells me my account was locked for a few reasons but dont tell me much then they tell me they need to transfer me to fraud department , the fraud department was closed! So I was out of luck couldnt use my card for my XXXX XXXX couldnt even use my card to pay for my dinner I was out having. I call today during their business hours I call at XXXX on XXXX  XX/XX/year> I get ahold of someone who tells me they need to verify my check from the issuer before they can unlock my account, they switch me around to XXXX different departments have me hold for XXXX minutes then tell me they verified the legitimacy of my check and to hold while they unlock my account, then after holding another XXXX minutes they tell me even though all my information is verified and good to go everything was checked out theres no reason they should have even locked my account but now they tell me I have to wait XXXX hours while my account is under review! How can it be under review when they themselves called and verified my check, and they wont let me access any of my funds or anything its truly ridiculous I also found it quite strange they demanding knowing what my own money is used for or what its for
Product: Checking or savings account

on XX/XX/year> in the city of XXXX XXXX, Louisiana XXXX XXXX there was an interruption to the att supplied fiber internet lines to the entirety of the city. 

In making an attempt to deposit a check at the Chase Bank facility on XXXX XXXX, I was notified the service was unavailable. 

Why is a major bank only maintaining one form of connection to the financial network? 

I run a XXXX XXXXy and I maintain XXXX forms of internet specifically for these types of issues.
Product: Debt collection

I received an unsolicited correspondence to my private from Portfolio Recovery Associates , LLC - who also addressed the entity as PRA, XXXX falsely stating that I owe an alleged debt to Portfolio Recovery Associates , LLC. I have no idea who this entity is that refers to the nature of their business as debt collectors. There has been no provision of an original contract or binding agreement complete with signatures between myself and the alleged debt collector. There is no validation of debt, and no consideration of written, verbal, or implied agreement between myself and this entity. That is grossly egregious, misleading, misguided, and inaccurate. It is unacceptable and concerning with regards to the abuse of misinformation and fraud on the basis of theft of identity as they have my personal information without my direct authorization, permission, or consent. This company has abused their practices and responsibility as an alleged debt collector. It is gross misconduct and abuse of the practices as a debt collector and is not tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act.
Product: Checking or savings account

Everything I had saved in my chime account was taken from me ranging from dates leading all the way up to XXXX of XXXX. This account was always used as a savings account and I never ordered a card for it. I disputed the most recent transactions adding up to {$2500.00} last month and it was approved with no problem. The other large amount of money has been a lot trickier as I was not aware that I could dispute that many transactions in one until a representative let me know. The total amount was a little over XXXX XXXX dollars. I first disputed these transactions around XX/XX/XXXX. The dispute was denied in under 2 hours. I just received the documents that was used to come to a conclusion today even though I requested them 2-3 weeks ago which puts them over the deadline they gave me. I opened another one the following day and that one was again denied within the same day. I have provided all the necessary information to ensure that the company understands that none of these transactions were made by me. I provided my XXXX XXXX history showing that I never had a chime debit card connected to it nor have I EVER received transactions from a chime debit card for any of the given amounts. I showed them emails I received of my passwords and pins being changed despite never having a debit card. I provided proof of my chime account being logged into from a different state. One that I have never been to or even know anybody that resides in. I have spoken to XXXX support and there is nothing that they can do for me since I do not know the person that made these visa transactions. The information chime provided to me made this even more frustrating, as It was nothing but pictures of the transactions I disputed with no further detail or explanations on why i was denied. I have called every day since reopening the case and I receive the same answer every single time. It is the same automated script I have gotten since all of this has started. The very few times I have been able to connect to a supervisor and share with them the information that I have, they understand my frustration and have even told me that if it were up to them, I would have already gotten my money back by now. I dont know if that makes me feel better or worse because it tells me that the investigation team is either neglectful or incompetent and regardless of what it is, everybody needs to know that chime is unreliable and nobody should bank with them whatsoever. I have been nothing but patient and respectful with them only to receive nothing in return when I have shown more than enough to prove my case. Hopefully this complaint speeds up the process at least a little bit. I will he providing the same information I provided chime in this complaint as well. Thank you so much for your time. The chime dispute Id number is XXXX
Product: Student loan

Numerous letters by myself to Navient, applications and office calls, over 20. Just recently i received a letter from them. I responded to the address they said to send all correspondences to on the front page. I sent a certified letter tooi thenand it was returned with a USPS stamp, they were not there. So I called the number listed.. disconnected. 
So an employee from Washington state attorney 's office, who I was working with, went to the address. The tenants had been there for 3 years! No Navient! He doubled checked the address and it was correct. Navient lied on the documents. So I wrote a another letter to a separate address asking for a working address and they will not respond.. but they have called distant relatives divulging personal info, and then hanging up on them. 
This happened about XX/XX/2018. 
They are unethical and now I see why they are in trouble with the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a case of identity theft in XXXX. I have been attempting to place an extended fraud alert since with Equifax and have gone through round after round of sending things in only to have them send me a letter asking me to send in the exact information which I'd sent in before. Sometimes they alternate between asking for A and B, and then when I'd send that in, they'd ask for C and D, and when I'd send that in, they then go back to asking for A and B. I've switched to sending them all of the paperwork each time ( not just what they asked for ), but they are still sending me form letters asking for what I already sent in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account XXXX XXXX open XXXX Amount XXXX Fraudulent account XXXX XXXX open XXXX Amount XXXX
Product: Debt collection

I have been trying to reach to this company about this alleged debt but I havent gotten their response so here I am seeking help to the CFPB and Atty General to get this matter resolved.
Product: Checking or savings account

Regions Bank has brutally charged me overdraft fees and there is no retraction in place. All except to hide my bank statements and trying to remove any information related to my previous accounts when I did nothing wrong. Regions also sent to collections.i I am victim aggressive identity theft. At one time Regions had the incorrect address and I requested the address to be changed but somehow it was immediately changed. Having an apartment number as if to deceive and commit fraud.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act. Specifically Cashapp failed to take timely and effective measures to prevent an address fraud on their platform. Leaving my account vulnerable and unprotected. Furthermore the dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund transfer Act and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$500.00}, {$0.00}, {$7000.00}, {$5000.00}, {$3500.00}. 
I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See also 12 C.F.R 226.12 ( b ).

-OPEN ACCOUNTS- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 

-CLOSED ACCOUNTS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7000.00} -This is not my account. 







5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3500.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I requested that the credit bureaus remove a bankruptcy from my report in year XXXX. In response, they stated that the information may have been verified by various reporting agencies, including XXXX, XXXX, and Equifax. However, each of these agencies provided vague responses, claiming the information was verified by another agency without specifying which one. They used unclear language such as may have been verified rather than providing a definitive source of verification. Ultimately, they refused to investigate further. I sent a copy of a letter received from the court they listed on my credit report and the letter stated that " the courts does not report public records to any reporting agencies. I have provided this letter previously to this CFPB. There are also collection accounts that have not been verified and shows on my report. I would also like to state that my personal information including social security number, personal home address and telephone number has been compromised due this agency. I have been notified that my information is on the dark web.
Product: Checking or savings account

I have a checking account with Wells Fargo and use their bill payment service. They mailed a bill payment to XXXXXXXX XXXX for my mortgage loan. I had fully paid off the mortgage loan I had with XXXX by the time they received the check from Wels Fargo and they told me that they never cashed this check and that they returned it. Wells Fargo keeps claiming that XXXX cashed the check. When I provided XXXX the proof of payment from Wells Fargo, they did further research and told me that XXXX did return the check and that XXXX, which Wells Fargo uses for their bill payment service cashed the check. Wells Fargo is still insisting on additional information from XXXX. I clearly told them to reach out to XXXX but they haven't done that. I also told them to look at the check that was cashed and that in the endorsement section, it looks like it was cashed to a Wells Fargo account. Wells Fargo still hasn't done anything and keeps asking me to provide more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from Experian " screenshot attached '' for which I followed the links and viewed the changes to the report. However, they continued to leave names I have never been known by and I proceeded to click the dispute buttons and proceed to dispute 6 names I am not known by, then it tells me the disputes are not sent " See Screenshot '' and asked that I call a phone number so they can help you. I have tried endlessly to speak to a live person but their " BOT '' always says, no representative is available how can I help you '' and of course, it eventually hangs up on me. I have submitted my Driver license as proof of my identity, my address, and my name, and apparently, that is not good enough either. I have attached a copy of my driver license as well. 

This has now gotten into what I believe is Pure Harassment and Abuse. 

I received a phone call yesterday from a company that states that the Credit Bureau provided my personal information to them and I do have that on a recording. I have spent well over a year telling them to quit selling or giving my information out to companies to call me, as I am on the " Do Not Call List '' and they just continue to do so. I believe this is where the Identity Theft Originated From, as several companies have indicated this scenario and two have been confirmed to be Scammers. 

I personally tracked down one large group of Student Loan Scammers and Have ALL of their information. Ironically that group has an account with Experian enabling them to run credit reports on people ( I have valid proof on that too ). 

I had to remove all of the XXXX  accounts from Experian due to the fear that my information has been provided to more scammers than I am currently aware of. 

I recently started the process of a USDA Direct Home Loan and as a result of all of Experian 's Games with my credit score and refusal to fix the inconsistencies on my credit report, I may be denied that opportunity. I had a score and now I don't.
Product: Credit card or prepaid card

Received an email from Bank Of America on XX/XX/2022 stating applied for a credit card. I looked up the phone numberXXXX that was listed in the email and many sites said it was a fraudulent number. I ignored it. I received the credit card on XX/XX/2022. I called Bank of America today at XXXX to cancel. They said a request was made to send another card to Kansas. I live in Louisiana. They said they did not send a card to Kansas, they knew something was wrong. I looked at my credit report online and it does not show I applied for a credit card. The guy I spoke to at Bank of America said that people will add negative information about phone numbers so people will think its a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. My Freedom Mortgage loan ID is XXXX. 

Since XX/XX/XXXX I have been having ongoing issues with my Freedom Mortgage account. After a few months of going back and forth, we finally came to the conclusion that an escrow analysis was not done since our loan modification and I was overpaying for my mortgage each month from XX/XX/XXXX to XX/XX/XXXX. 

After multiple agents told me not to pay the full amount of the mortgage due ( {$1500.00} ) and just to pay the previous amount ( {$1200.00} ), Freedom Mortgage reported me to the credit bureau, against the advice given. I was advised in XX/XX/XXXX by two agents that Freedom Mortgage would contact the bureau to correct this because of the discrepancy in my mortgage and the going back and forth to try to figure out the correct payment. 

On XX/XX/XXXX I spoke to two agents at Freedom Mortgage XXXX and XXXX who both advised that I send proof of this negatively impacting my credit score to the email address XXXX and they would fix it. I did this and never heard anything back. 

On XX/XX/XXXX I paid a lump sum of {$4300.00} even though I was advised AGAIN to wait until the escrow analysis is complete to ensure that I do not continue to overpay ; however, I did not do that to be sure that it does not also negatively impact my credit score. 

Here is an outline of the calls and agents I spoke with, if you can PLEASE pull the calls and listen to the multiple agents advising me to not pay the full payments due : XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX -- Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} XX/XX/XXXX - Rep XXXX Partial payment advised of {$1200.00} actual should have been {$1500.00} ( this is the month I was reported to the credit bureau after multiple agents told us to make this payment and DID NOT advise that what I was doing would negatively impact my credit, at this point I was unaware that what I was doing was not best practice and I should have never been advised to make partial payments ) XX/XX/XXXX - Rep XXXX Payment made {$1500.00} XX/XX/XXXX lump sum payment made of {$4300.00} I truly appreciate any and all help you can give me regarding the credit bureau and getting that removed from my credit report. My next step is to receive legal counsel and have a lawyer request the calls to review them if no one can help me after a year of my credit being torn down. At this point, my wife and I are trying to move as our family is expanding and due to my credit being significantly impacted, we are unable to do anything. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I submitted employer verification to XXXX on XX/XX/22 under the temporary PSLF program. The verification I sent only gives me credit for months under this special limited program which expires XX/XX/22. 

XXXX transferred my loan and this verification to Mohela on about the same date. 

Mohela ( nor XXXX ) has credited my employer verification. I sent a support email on XX/XX/22 to Mohela about this verification and have received no response. 

I have called and their auto line hung up on me after an hour hold time. 

I am concerned that if there is any type of error on the form or any of the months do not apply then I will lose the opportunity to try to chisel together other proof that this time should qualify. The time I submitted would put me over 120 payments and therefore qualify for loan forgiveness. However, if any of this time does not qualify I will not be eligible for forgiveness. Therefore, this is an urgent matter of great concern to me. Their customer support is non-responsive.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a dispute to Experian regarding an account that was being reported that is unverifiable. I contacted the furnisher and they stated that they do NOT own the account, that another company does. Because of this I requested that Experian removed this information. It has been more than 30 days and I have not received a result of the investigation.
Product: Debt collection

TRANSWORLD SYSTEMS INC Reached out To me through a letter attempts to collect a debt of {$830.00} that was originally the XXXX XXXX and XXXXXXXX debtI spoke to someone from Transworld systems Ask them how did they get this information about me and who did they get this information from because I did not sign any contract or give anyone any permission to give my information to a 3rd party debt collector which is you guys they said to me that the XXXXXXXX XXXX internal turned it over to them I told them by law they can not accept it because I did not give them any Right to give a 3rd party my information I did not get any mail or any phone call asking me is it OK to give my information to a 3rd party or giving me a chance to opt out from the XXXXXXXX XXXX XXXX XXXX and you guys want {$830.00} that is not the original debt that I owe so can you please turn it back over to the XXXX XXXX XXXX XXXX Because I don't know who you are and like I said I did not give anyone the right to give you my information you are a 3rd party company which they verify that to me on the phone so now my rights as a consumer is being violated because XXXX decided to give by information to a 3rd party that collector without giving me a chance to opt out And explaining to me that I can opt out I do not order these people any money they're trying to get more money out of me and I never contracted with these people on any level.
Product: Credit card

Request for Assistance with Account Closure and now a Refund Dear Sir/Madam, I am writing to request your assistance with reopening Case # XXXX, as the process of closing my account is still pending. According to the previous case notes, after closing all my accounts, the bank agent informed me that no further transactions would take place after 30 days. However, there were three merchants who refunded my account well after this period, without my knowledge. According to XXXX XXXX XXXX statement, the account in question was closed on XX/XX/year>, but it appears that it was not actually closed. I would like to understand why these funds were accepted and more importantly, why they were not automatically returned to me. I believe I should have been informed about this, and I am disappointed that this was not the case. I can't help but question Alans statement in his previous response, We are committed to serving our customers in a fair and ethical manner... 

I contacted the bank, and they assured me that they would issue the credit balance via mail. However, it has been over a month since that conversation, and I have not received the check. My BMO account indicates that the refund ( transaction ) took place on XX/XX/XXXX. Since then, I have moved, but I have a forwarding request with the postal service, and I have received other forwarded mail. 

Today, I attempted to use the chat function on the BMO website to inquire about the status of my refund, but I was logged out just as I received a response from the support agent. I was able to log back in and was reconnected, but the agent informed me that they could not assist me with credit card issues and advised me to call the helpline. Unfortunately, I was informed that the wait time for the helpline was another half hour. 
I have spent a significant amount of time trying to resolve this issue and finalize the closure of my accounts. I respectfully request your assistance in expediting the account closure and refund process, which has been ongoing for several months. 

Thank you CFPB for helping me with this. I look forward to your prompt response. 

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

Experian and XXXX XXXX are not reporting my XXXX XXXX XXXX and it is affecting my credit in an adverse manner. I can not upload supporting documentation on their websites. All 3 credit bureaus are still reporting a 30-day late payment to the XXXX XXXX XXXX, which is paid off now. But, I have sent them copies of XXXX XXXX XXXX payments to XXXX to support our claim and they still refuse to correct the inaccuracy.