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

A company, named  XXXX   XXXX   XXXX   XXXX , opened a business bank account with  Fifth Third  Bank at a location in  XXXX , North Carolina in  XXXX  and operated the account for over  one  year without any problems. However, though the account was opened in the name of the business, the bank listed an individual as the 'owner ' and 'secretary ' without the company 's authorization and without confirming the designations. The actual shareholders and directors of the company were not aware of the bank 's error until the bank initiated a new process for verification of wire transfers in  XXXX  or  XXXX  of  XXXX . The company 's owners initiated a wire transfer for a corporate client which was blocked by the bank after the individual erroneously listed as 'owner ' told the bank he had nothing to do with the company and therefore could not and would not be able to verify the wire transaction requested. The bank acknowledged to the company 's shareholders and directors that it previously did not confirm the individual 's relationship to the company before listing him as the owner of the account, but the bank has nevertheless refused to offer any type of resolution to the company. The company shared all corporate records with the bank to establish ownership and corporate structure, but the bank 's legal department never returned messages or attempts to communicate and resolve the issue. The funds which were withheld were in excess of {$120000.00} and cost the company several corporate clients due to lack of payment, resulting in loss of revenue estimated in excess of {>= $1,000,000}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had service with   XXXX    XXXX  and I stopped paying because I wanted to cancel my service and they were not willing to cancel my service. So, before  XXXX  I stopped paying. I did not pay any service to  XXXX   XXXX  ; so, basically that would be called the delinquency date. I found out that I had a collection with a delinquency date of  XXXX ,  XXXX  which I dispute since that delinquency is not correct because I stopped paying before  XXXX .     Perfection Collection responded by "  XXXX , The delinquency date we were provided when we purchased the account is  XX/XX/XXXX . We are willing to settle this account for 50 % of the balance owed. Once settled, we will delete this account from the credit bureaus in it 's entirety. '' So basically they are saying that they purchased the account and the delinquency date is  XX/XX/XXXX . So they say they are not responsible for providing a false delinquency date. This is not acceptable
Product: Student loan

Had to re certify my income based student loan plan. AES did not obey my request to discontinue automatic payments, and then after my IBR plan was approved, they still took out the prior amount. They set the " effective date '' of the plan in the future.
Product: Credit reporting or other personal consumer reports

hello, I'm reporting on my American Express accounts. Historically I've only have had XXXX American Express accounts ( a XXXX, XXXX and XXXX accounts ( their coloring system ). 
in recent years I've had to go into defaulting on my credit cards, all of them in my history. 
I've been trying to pay back on my accounts this past year or so with the help from the website called National Debt Relief ( NDR ). So as they were looking into collecting my accounts so they can start negotiating with my creditors, they said that they were showing 4 American Accounts. And I told them that that was incorrect, I only had 3 accounts with American Express. 
So they only kept 3 accounts and worked on them.

But about a year later, American express started legal action on me on my American accounts but I thought I was protected by NDR. After a lot of back and forth I figured out that the 4th account was the one they put legal action on. And what I had figured out this past XXXX is that American Express DUPLICATED one of my 3 Amex accounts and that was why it was showing as a fourth account in credit history. 
So this concerns American Express account ending in XXXX at about {$11000.00}. so I don't remember the 4 account ( duplicated account ) account number but it will show the about same dollar amount, close to the $ XXXX. my other American accounts are {$7400.00} and {$5500.00} and those are valid and NDR are working on them with me. 
Please let me know if this makes sense. if not, please give a reach out to me ( email is best, since I don't like to answer unknown number till I have you in my contact list ) at email of XXXX but if you do have only phone contact initially, my cell is XXXX but please do your best to leave a message so I can return the phone call. thank you.
Product: Payday loan, title loan, or personal loan

Dear Wells Fargo, I applied for a credit card consolidation loan and fell for a gift card loan scam. 
The lender said that my credit wasn't that good, so they wanted to make a payment to my Wells Fargo Visa for {$480.00}, and XXXX XXXX for {$190.00} and {$190.00}. He told me that he wanted me to immediately repay the money as a measure of good faith that I wouldn't refuse to make my monthly loan repayment once the loan was disbursed. He also told me that he would provide instructions on how to repay trial deposits once I had received them. 
I did as the lender asked and repaid the {$480.00} from my Wells Fargo Visa and the {$190.00} and {$190.00} from my XXXX XXXX MasterCard. 
The deposits were returned on XX/XX/2021 - over 30 days later. 
The deposits were made from a XXXX XXXX XXXX account. 
Once I had repaid the trial deposits of {$480.00}, {$190.00} and {$190.00} I stopped communicating with him. 
I thought that Wells Fargo could perform a search on this XXXX XXXX XXXX account and see if this account had made any other deposits in any other Wells Fargo account. Then, contact law enforcement and get records from XXXX XXXX XXXX along with a SSN # and track this person down. 
Regards, XXXX XXXX ( XXXX ) XXXX
Product: Checking or savings account

It has been over a decade since I have used welllsfargo as my bank. For years, I went into their branches complaining that there was something wrong with the banking systems. Information online never matched what was read at the atm, reviewed in the branch by associates, information over the phone and online info. The amounts were always different and somehow wellsfargo was able to find a way to charge me hundreds of dollars by using this mismatched information against me. My account was constantly overdrawn and I had hundreds of dollars in overdraft fees. Since switching banks, I no longer have these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. I sent my request way past 30 Days before but I still didn't receive anything from Experian. Per FCRA, without any response for 30 Days after disputing my accounts should be considered as deleted or removed. 

XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$4800.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$930.00}
Product: Mortgage

HELP! for two years, my mortgage company has been dragging me through the XXXX XXXX XXXX claiming they're "... doing everything to help. '' A SALE DATE HAS BEEN SCHEDULED FOR XX/XX/XXXX, THIS MATTER IS URGENT! 

In XXXX of XXXX, when the country shut down because of coronavirus outbreaks, my primary source of income and employment disappeared. I worked as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructor with the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. When stay- at-home orders were put into place, work disappeared. As the pandemic progressed, most of the studios closed permanently, and university cutbacks eliminated many adjunct positions. 

In XXXX of XXXX, I contacted Selene Finance about Loss Mitigation. I initiated the application process, which began my two-year journey with that dysfunctional company that has destroyed me mentally and physically. AND NOW I MAY LOSE MY HOME! 

I have hundreds of documents that record this heartbreaking experience. Phone calls that begin as chastisement then end with admissions, on their part, of how poorly organized and unprofessional they are. " It's like talking to a XXXX XXXX XXXX, '' complained XXXX XXXX, a Selene employee assigned to my case as a mediator to help wring some answers from the black hole that houses their underwriters. You ask a question, and the answer is so cryptic and unhelpful that it might as well say, " Not today. '' Once an inquiry crosses the XXXX XXXX, an answer never comes back. 

When the process began, they said to call every couple weeks, to check on the progress of their assessment, but they have 30 days to make an initial decision. You can call the DAY THEY MAKE THEIR DECISION, to make sure they have everything they need. They say everything is correct, then a week later, they send a letter stating they didnt have what they needed. Im denied BECAUSE I DIDNT SUBMIT DOCUMENTS.

This process happened over and over again. They said to try sending everything via email, fax and USPS, so they wouldnt lose anything. I did. I highlighted, initialed, labeled, color-coded, and more, but nothing works. The Housing Assistance Fund for Montana could help, but they need a No Help letter from Selene, which they wont give BECAUSE THEY SAID THEY CAN HELP. But the letters always say Im non-compliant, so I cant get assistance, from anyone. Im their hostage, and now they have my home, which Ive lived in for 20 years. My XXXX mother and my son, who is dying of XXXX XXXX, are also victims of Selenes deception, manipulation, I dont know what word to use. I just know its wrong. 

This XXXX  feels intentional. Its heartbreaking because I would have had the entire amount to pay off the past due, but these delays sink my even deeper in debt. + Ive attached the latest set of documents that I just sent to Selene Finance. I have two-years-worth of documents. Ive also included the sale notice, which makes me cry every time I think about it.
Product: Mortgage

On or about XXXX or XXXX 2023 I logged on to my mortgage site, Mrcooper.com, to check to make sure my payment was scheduled to come out on XX/XX/2023. I immediately encountered a big red banner explaining Mrcooper was under a cyber attack as of XX/XX/2023 and the site was locked for security. A link was provided and on the FAQ was a statement that when ACH payments would resume MrCooper would notify customers. On XX/XX/XXXX {$2200.00} was taken from my checking account under the NSM DBA MRCOOPER name. Mr Cooper customer service can not verify that the payment was received by them. Therefore I have no idea whether they received it or the cyber criminal has. They also provided me with a link to file a complaint with them ( www.mrcooper.com/legal/complaints ) then after filling the customer " ticket '' and clicking submit it will not accept the " ticket '' because the site is shut down. 
Also I would not have even known that the company was under an attack unless I logged on... no email or phone call was ever received by me. 
I do not understand how the company can go ahead and process transactions with having a secure way to confirm payments received.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunbit is showing as late payment on my accoung, however this loan has been adding to my current open and active bankruptcy case. This should not be attempting to collect a debt while actively in bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I composed and mailed via certified mail a correspondence to XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX XXXX due to the fact that they were reporting to the credit bureau ( s ) false information that there is a {$2500.00} account balance that is past due for an account number ( truncated on credit report ) XXXX. I mailed the correspondence to the mailing address listed on the credit report which was XXXX XXXX XXXX XXXX XXXX, CA XXXX. Per USPS tracking number XXXX this address was not found and the correspondence was returned to sender. The address on the credit report was incorrect or outdated but nonetheless this correspondence was returned to me. I looked for another address for this corporation and found XXXX XXXX XXXX XXXX, CA XXXXas the address ; per USPS tracking number XXXX this correspondence was received on XX/XX/XXXX and signed for by a XXXX XXXX ; hopefully this address was the correct address for this corporation. As it is very costly to send certified mail ( {$7.00} per mailing, {$15.00} total thus far ) I am filing this complaint to ensure that this corporation has received my correspondence and dispute in regards to this alleged debt. Also, to ensure a public record of my correspondence to them in case they choose to ignore or not reply and this issue needs to go further and into a litigious process.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2022 a customer paid me on cash app for her nails. The total cost was {$150.00} dollars. Today XX/XX/2022 I get a text message saying that the customer had filed a dispute and will be getting the refunded payment from my account. Cashapp proceeds to take {$150.00} out of my account. Prior to this I was not notify about the dispute in the first place, the only message I got about the dispute was regarding the payment being taken out of my account today. I contacted Cashapp the moment I found out what happened, I waited hours for a response just to hear that they can not do anything about the money I lost, instead they told me to discuss the issue with the scammer myself. I messaged them on social media, contacted their live support, and I call their number. I was scammed out of my time and money. Not only is Cashapp support line terrible, they are letting scammers get away with stealing from small businesses without doing anything about it.
Product: Credit card

We got a call from something called PayPal Credit. We have always minimized credit card use. I have heard of pay pay but I have never set up or used " pay pal credit ''. They said I had an unpaid amount of {$400.00} from XXXX XXXX 2015. Why so long to call and ask about it? They said this exact amount was to a company called XXXX which I had never heard of. They had no information about what was purchased. There is no company on the internet by that name. I do know the VA and OPM were hacked and Federal employees had their personal information hacked and I do believe this is a scam.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Debt collection

my father has a loan with XXXX XXXX in XXXX okla. he listed me as a reference.. my father has already started the process of bankruptcy and has already made pymnt to attorney for retainer. this company continues to call and harass him and now calls me once a week even though contact has already been made with me several times.. i told the store manager today to stop calling me and she was rude to me telling me he put me as a reference and she has the right to call me when i told her to stop calling me and that she knows he is filing bankruptcy and to continue to call me is harassment she told me that it was not harassment to call me every 10 days i then told her not to call me again and hung up on her.. this company is known for harassing customers and their family for payment.
Product: Debt collection

A balance due of {$180.00} appeared on my credit report in XX/XX/2020. I have disputed this twice through the credit bureaus as I have no knowledge of this account or the balance due. IC Systems simply responded that it meets FCRA Requirements. I have no idea what this charge is for. I never received a bill or communication in the mail, it just appeared out of no where on my credit report. I require proof be provided that this balance due belongs to me. I also require the delinquency date and that this be removed from all three credit bureaus for failure to provide proof that this is my bill and for failure to notify me by mail before reporting to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon, i filed a dispute on XXXX XXXX on XXXX  because it is stating a derogatory paid in full then speaking to XXXX XXXX they explained a late fee which impossible due to the payment was reported in full? it can be both? i asked them to update they explained they updated it and it is XXXX  that did not update it over a year ago! now i have filed a ftc on a different type of fraud because this is wrong and FRAUD you can not choose not update the file for over a year.
Product: Money transfer, virtual currency, or money service

I signed up with the company to send some money internationally. I provided my personal information including my driver 's license and credit card information. Once they had my information they refused to open an account/ Refused to give me any information as to why. They still have my personal information and I want it deleted from their records.
Product: Credit card or prepaid card

On XXXX XXXX I purchased a car with my American Express serve card. By Thursday XXXX XXXX the car dealer took the car back because the car was very broken. They advises me there associate took the American Express by accident he was new and did not know they did not take it. The dealer advises to place a dispute in the charge and they would approve it and Amex would give me the money back. Since then no one at Amex can answer a question, they continue to extend the time for the dispute. The car dealer approved the reversal on XX/XX/XXXX and I am attaching said letter. No one at Amex can explain why you money is still not returned and refuse to help in any way. I have been hung up on, lied too, and still do not have my XXXX back. No one has a answer as to why they just say the dispute team is looking into it but never let me talk to someone handling the actual dispute. They give me nee dates further and further out each time, but zero answers.
Product: Credit card or prepaid card

I paid off my Kohls Charge Card in full on XX/XX/22 in the amount of {$120.00}. They charged me twice for that amount. I called and they said they couldnt refund my money & would send me a check within XXXX weeks! I told them to close my account. My bank refunded the overcharge of {$120.00}. Now, they have charged me the {$120.00} again along with a {$30.00} fee! I tried calling again, but only get people in XXXX and they are INCREDIBLY unprofessional and XXXX Im placed on hold for upwards of XXXX minutes, only to have the next associate hang up on me after calling XXXX unprofessional! I do not owe this money & I cant get them to fix it.
Product: Checking or savings account

Bank of America- I have XXXXhree overdraft transactions I was not aware of, when I called I realized that they declined one of my payments. When I asked them why this happened, they said it was an XXXX  decision. I asked them if I was notified about the use of XXXX  for my bank account and they said no - and that it was not really public knowledge but said it was a press release in 2020 that talked about it, but even the agent also didn't know much about it. Then he asked me if I wanted to change any of my settings for my overdrafts I said NO, I do not want to. Today, I received an email saying that I changed my settings but I remember saying I did not want to change any settings. I am concerned that BOA is using XXXX  to make decisions for me and my financial management without my knowledge or permission. I am hoping this can be resolved and help others that may also be experiencing such challenges with the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$13000.00}.