23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a card with Current for about 2 years and received regular direct deposits to the card account. In XX/XX/XXXX, Current decided to close my account without warning or notice. When asked why the account was closed, I was provided a generic explanation and referred to their policy page. The account was closed with pending deposits expected to the account prior to closing. 

My federal and state refunds were scheduled to be deposited to the account. On XX/XX/XXXX my state refund was deposited to the account. My federal return had been delayed due to an IRS review of my return. On XX/XX/XXXX, the deposit was made to the account I had with Current. Attempts were made to change the direct deposit information with my tax preparer and the IRS. I was told I would need to contact the receiving bank once the refund was sent. 

I contacted current on XX/XX/XXXX to inform them the deposit was being sent. Because the account was closed, I wanted to know how the deposit would be handled. I was informed the deposit would be rejected and returned to the originator. On the date the deposit was sent, I contacted current again and asked if it had been received. I was told they did not have my refund. 

Over the next 10 days, I continued to contact both Current and my tax preparer to determine where my funds were. Current continually denied receipt of the refund. Since no one was admitting to having the money, my tax preparer investigated and informed me the refund was sent to Current and provided a trace number. 

Only after informing Current of my possession of the trace id and filing a police report did they admit to having received my money on XX/XX/XXXX. When I asked why the refund had not been returned to the originator as I was told, Current then tried to ACH the funds to an external account that was linked to my now closed Current account. 

I informed them this was against both their own company policy and banking regulations, They then asked me for new direct deposit information, which I provided, only to tell me they would not be able to ACH my refund since the account was not linked to the Current account at the time of closing. 

As Current and its affiliates were willing to violate policy at their own whim, I asked why now is it so critical to follow policy when they had blatantly disregarded it during the handling of my refund. I was ignored and told a check would be sent. According to Current, my check was supposedly sent on XX/XX/XXXX, As of XX/XX/XXXX, I still do not have my funds, When attempting to call Current, somehow, my DOB is now not matching even though my drivers license was provided and accepted as identification. They have illegally held my funds and refuse to give any further information on my missing money.
Product: Prepaid card

During the pandemic unfortunately I was robbed, and beaten until I was unconsciously. They stole my bag with all my belong such as Bank of America debit card, necklace, money and etc .... I filed a police report with XXXX XXXX case number ( XXXX. I found out they have also cleaned my account. They took all my money.
Product: Debt collection

on X/XX/17 at approximately XXXX XXXX, I received a call from XXXX ( from XXXX, AZ ). I did n't answer it and a message was left. The message said " This is a final courtesy call from the Weinberg Mediation Group before reporting that you have been uncooperative in the investigation against you I 'm extending you one last chance to contact our office if we do not hear from either yourself or your legal representation today. We will be left with no recourse other than to report your non-compliance in this issue to the parties involved our office number is XXXX when calling please have your file number ready. Thank you. '' I do n't owe any money aside from my credit cards and car lease, which I pay. This man who left the message sounded ominous and scary. He had a threatening tone and I do n't even know what he 's talking about. About 10 minutes prior to the call and the message being left, I received another call from XXXX ( North Dakota ). I 'm assuming both of those calls came from this " Weinberg Group. '' I did n't answer that one either and in that call, a message was not left. I blocked both those numbers and am filing this complaint, but I have a feeling they have plenty more numbers which they can call and harass me from. If they have the information they say they have, they can send me the information through the mail with actual information on it. They are not entitled to a fishing expedition and extortion tactics.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$19000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit card

Asked for account to be closed in XXXX which didn't happen yet their home page shows account closed, undue fees I feel is ungodly along with things showing up applied for when I never did.
Product: Credit reporting or other personal consumer reports

I noticed several unauthorized inquiries on my credit report : XX/XX/XXXX -- -- -- - Capital One XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX  XX/XX/XXXX -- -- -- XXXX XXXX XXXX XXXX XX/XX/XXXX -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XX/XX/XXXX -- -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- - Capital One Bank USA XX/XX/XXXX -- -- -- -- - XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX XXXX XX/XX/XXXX -- -- -- XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SYNCB XXXX, FL XXXX Was not informed about the collection. Account was made without authorization
Product: Student loan

I sent MOHELA as well as studentaid.gov proof of public service for the State of Arkansas in hopes that they would forgive my loans. I have never been in a position to repay the loans and I have always worked for the State of Arkansas and made less than {$40000.00} per year. I have had to file bankruptcy twice due to caring for a XXXXXXXX XXXX and being terminated because I had to be off work due to his illness. I was told that I could not add the loans in bankruptcy. I would like the loans forgiven. I had provided proof of service.
Product: Vehicle loan or lease

Me an my wife XXXX XXXX Purchased a XXXX XXXXXXXX XXXX from XXXX XXXX XXXX XXXX XXXX Kentucky and it was Financed thur ally financially it take the dealership over 60 day to get them the payoff check to them XXXX XXXX sent them a payoff check and it was no good so they sent them a second one and take Ally over 60 day to get there money for the payoff from XXXX XXXXSo Ally reported us to credit Bureau that me and my wife was over 30day late on are payment so now it show we have XXXX late payments on are credit report and it was not are Fault it was the dealership fault.
Product: Credit reporting or other personal consumer reports

in accordance with the credit fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights 15 u.s.c 1681 section 602 A state i have the right to privacy 15 u.s.c 1681 section 602 A section 2 has also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I requested an international wire transfer from Chase on XX/XX/XXXX. The wire was a routine wire that I normally due every two weeks. The purpose of the wire is to pay for my apartment rent, utilities in  XXXX. I currently live in XXXX under Permanent Change of Duty Station ( PCS ) for the Department of Defense. I will be in XXXX for three years, and then I will be coming back to my position in XXXX XXXX California. The government gives me housing allowance every two weeks to pay for costs. This money is sent to my XXXX XXXX XXXX XXXX as a direct deposit. What I normally due is that I transfer most of my money to my primary bank Chase to pay for my bills back home and transfer money to my XXXX account. I only use my XXXX XXXX to pay my car loan and to pay for groceries at the XXXX base. On XX/XX/XXXX, I received an e-mail that my wire was going to be delayed which I had no problem. I thought it was going to take 1 to 2 days so it was not a big deal at first. On XX/XX/XXXX, my wire still was not process. I called Chase long distance to check on the status, but the customer rep who assist me was not sure why my wire was delayed. Plus, she said the wire department was not taking calls at the moment. On XX/XX/XXXX, I called again getting the same answer. On XX/XX/XXXX, Chase customer service said that the wire was still not process. I asked to speak to a manger since the wire department was not able to take calls. To make the story short, the customer service center kept transferred me to different department. I had to re-explained my issue couple times to different representatives. I never got the chance to speak to a supervisor nor the wire department. At one point one department rep said that the wire department had sent me a secured message through Chase.com. I looked in my account and there was no message. I was on the phone for 1 hour 20 minutes  and I was given the round around. I was frustrated because with my wire not being transferred to my XXXX account. I had utilities bills that I needed to pay on XX/XX/XXXX. Luckly, I have a savings account with XXXX XXXX and was able to cover the expense, but I had to pay fees to pull the money from an ATM. Plus the long distance call is going to cost me money. On Saturday XX/XX/XXXX, I received a notification through Chase.com the wire department was going to contact me this week. It is XX/XX/XXXX in XXXX XXXX and I still have not receive a call or a resolution from Chase. I understand that we are in a pandemic, but Chase is a big corporation and should be able to adapt to change and find a way to find resolution to my wire.
Product: Student loan

I have a great amount of debt with Student loans. I have loans that were XXXX XXXX and now Navient. Ialso have Student loans from XXXX. My loans are over XXXX. I went to University XXXX and received a XXXX. However, I couldnot afford to pay almost {$400.00} a month living in the XXXX. The reps advised me to get a defferment The interest rates are high now. No one advised me of other alternatives.I lost my job and some someone told me about XXXX payment plan years later which I am on because Im not employed but what about all that interest that accured. No one is never willing to explain to you other options but defferment.I would like for my loans to be forgiven..the world states University XXXX is a fake college but ... i paid all that money ... student loans but no job ... I live with my XXXX mother my credit has been messed up.dealing with student loans and tjey say they are not going to report ... they lied ... they harass you, they say they want to help you..but all lies. They misinformed me how the payments would be afforfable.
Product: Money transfer, virtual currency, or money service

I am not receiving my money in my checking account from winnings I purportedly received from my online cash games. I was receiving notices on my online checking account that I was receiving " Uncatagorized '' items but those would just disappear. XXXX customer service representatives didn't know what " Uncategorized '' meant either. 

I bank with XXXX XXXX XXXX at their XXXX branch at XXXX XXXX XXXX, XXXX, FL XXXX and their Fraud Center phone number is XXXX. I understand that XXXX has been communicating with PayPal regarding my winnings. 

I cashout from my online games with PayPal and their customer service department is XXXX and their email address is XXXX. Their corporate offices are located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. PayPal receives the money from these online games and then PayPal then sends the money to my checking account.

I don't know where the disconnect is happening that's preventing me from receiving my money. The games signifyonline in the games cashout sites that the money was sent to PayPal. My PayPal account is XXXX
Product: Consumer Loan

I was in a car accident and was dealing with both my primary autoinsurance company and my GAP insurance. My primary paid a lump sumamount with a remaining balance of less than {$900.00}.. I was in discussions wwith my GAP insurance and had told all of this to the lender of my car. 
They had said to make a certain amount of payments.. one was approx. 
{$140.00} one month and then next month was {$200.00}. I was told that bydoing this, my account would stay in good standing while I worked outmy issue with the secondary insurance company. Each time indiscussion with Santander I made sure that by making these partialpayments my account would remain in good standing and notaffect my credit. Each time I was reassured that there would be noaffect on my credit and my account would remain in excellent standing. 
Now, after all is said and done, my account did not remain in goodstanding and my credit was affected.
Product: Debt collection

An account that has already been previously disputed under identity theft, is re-appearing as a collection on my consumer report. I did not know that after being resolved, my life could be put on hold again at the cost of identity theft that has been reported over and over. I can not believe this company is going above and beyond to ruin my life, and that my identity is still not being protected.
Product: Mortgage

XX/XX/2020 called the company that is servicing my mortgage loan ( Citizen One Home Loans XXXX XXXX XXXX XXXX XXXX, VA XXXX ) to ask questions regarding private mortgage insurance and having my mortgage serviced. Initially called was at XXXX XXXX eastern and was on hold 2 hours and 15 minutes until I could speak to someone. That is terrible customer service. There needs to be a better system in place to speak to someone from mortgage company.
Product: Credit reporting or other personal consumer reports

Recently I looked a copy of my credit report and noticed erroneous and inaccurate information on my credit report. These accounts are hurting my credit score and the ability to obtain credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX There is inaccurate address that must be deleted from my credit report. My actual address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX FL XXXX.
Product: Debt collection

Convergent Outsourcing XXXX XXXX Attorney General Attorney General XXXX XXXX XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, WA XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : {$680.00} To Whom It May Concern : Convergent Outsourcing - I do not have any obligation to this debt you are inaccurately reporting on my credit bureau nor have I received appropriate notice from you & you are in violation of my rights! According to my credit file you reported this debt opened on XX/XX/XXXX, last reported XXXX/XXXX/XXXX ; I check my credit vigorously this information appeared on my credit report within the last few days I just checked my file not even 4 days ago so how you are reporting an open date nearly 2 years ago is beyond me! Pure XXXX! I want this removed from any credit reporting agencies you have illegally reported ASAP! 
XXXX - XXXX is this XXXX, it says you are the original creditor but that does n't make sense my account with you has never been late and I pay my bill. I thought this was the uncarrier XXXX - this is so out of the blue and VERY annoying, I suffer from XXXX and XXXX and do not need these irritations in my life- I do n't know who got my account mixed up or whatever but I do not owe this money! If you do n't correct this swiftly I will end my tenure and take my business to someone else more competent. 
Attorney Generals - I am formally filing a complaint against both of these companies for the false information they placed on my credit bureau report! This is ludicrous! Absurd! XXXX!! 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX, XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I was mistakenly charged with three payments regarding a hotel visit I had on XX/XX/year>. These charges are not attached to anything and were made by the hotel i stayed at without any justification. I have included pictures of the charges on my credit card in the attachments for : {$100.00} ( 2 ) and {$200.00} After filing a dispute with Wells Fargo for all the charges, they denied my claim today ( XX/XX/year> ) even with the evidence ( which I provided below ) of the booking which I paid for on XX/XX/year>. 

There is no basis for these extra charges and after contacting the hotel three separate times about the issue, they failed to explain why the charges were made and any further evidence/comminication.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, Im only XXXX years old I started building my credit at XXXX but I stupidly had lots of credit cards at the age of XXXX but when I turned XXXX I paid most. And when I checked my credit score a couple days ago I see this one I never ever seen before it just upsets me seeing companys trying find any money. I have no idea what the XXXX it is : / just upsets me because in a couple days Im turning XXXX and it just sucks knowing someone took your identity and did this. If yall can please just help me I dont want to have this on my report for the next 6 years please
Product: Credit card or prepaid card

Further to complaint XXXX - XXXX I am writing to raise a complaint regarding Citizen 's bank 's failure to comply with CFPB regulations. 

Citizen 's response to complaint XXXX - XXXX and the evidence provided to support their response confirms that they had incorrectly recorded customer account details and, as result breached a number of requirements to provide disclosures to prior customers of XXXX as set out in the CFPB Regulations ; notably but not limited to ; XXXX Credit and charge card applications and solicitations XXXX General disclosure requirements XXXX Subsequent disclosure requirements Citizen 's have also demonstrated that they have breached CFPB regulation XXXX ( f ) and provided documented evidence to that effect. This evidence had previously not been provided due to the failures in the obligations to fairly disclose information to consumers as described above.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act 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 XXXXXXXX XXXX XXXX XXXX. # XXXX XXXX XXXX. # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Loan was under originated under a another company. current loan Loan Care took loan on XXXX. Loan Care is saying that i own a payment for XXXX which was paid to previous mortgage company. Loan Care has reported to my credit that i am over 30 days late which I am not and will not fix the problem. I have sent multiple documents including bank statement to prove that payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion.
Product: Credit reporting or other personal consumer reports

I've attempted several times requesting documents that proves this is my debt. XXXX XXXX XXXX XXXX XXXX XXXX. These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under 15 1692g, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.