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

On Tuesday XX/XX/23 at approximately XXXX XXXX I received a phone call from XXXX stating there was an attempt to make a wire transfer to a XXXX XXXX XXXX in Texas. I was asked if I had my card in my possession and I said yes. I was not asked for any other information about myself or my bank. I needed to leave to go to a drs appointment so I told caller I could not deal with this now. caller hung up but kept proceeding to call and I finally stated give me the information and I will handle this. 

I was given the routing number and account number. I again hung up and put phone on silence. Apparently phone kept ringing and ringing and I did not pick up. When I finally finished at the doctor I picked up and was again asked to go online to do this wire transfer reversal. I kept stalling and hanging up and then finally I told the person XXXX on the other end to stand by as I was going into the bank. They stayed on the line and once I was in the bank and told this person I was in the bank they hung up. 

I proceeded to file a claim with Chase bank and received a case # XXXX and a claim XXXX XXXX 

Chase now restricted my account. 

Upon returning home, I went online and noticed I received various emails from Chase but the one that puzzled me was the one at XXXX that said we have sent your wire transfer as you requested. ( which I never did ) Wednesday XX/XX/23 I received another call from XXXX again at XXXX XXXX and I said ok hold on let me let you speak with the police officer as I am at the police station ( which I was not really at ) and caller hung up. 

Now later in the day Chase bank called me and stated they are DENYING my claim because I literally made the wire transfer ( which I never did )
Product: Checking or savings account

Hi, last year I was refunded from XXXXXXXX XXXX mid last year or so ( About XXXX usd ) I used XXXX Usd of it no issue and tried to process the remaining XXXX on a dog i was paying off. The money got refunded because my bank marked it as spam without notifying me. I had to call them after a few days to get that information. After letting my bank know that it was not fraud, i then was told they would look into it and it should be put back into my account within a few buisness days. A week or so passed and i called them again, and informed them i had been waiting on that XXXX to be deposited. They told me the same thing, that they will look into it and it should go back into the account in a few buisness days. A few weeks on calling turned into a few months ... After I had enough i demanded to speak with the manager to figure out what is going on as I was still waiting on that money to pay off my dog which had crazy interest that was racking up. I was told by the manager " XXXX '' that it was " stuck in a loop '' and that he would personally write a check and get it mailed express shipping ... After a week of not reciving the check we called again and he assured up it will be handled.. After another week or so we complained again and eventually after complaining enough times we recived a check that wasnt even valid. The manager confirmed that it wasn't cashed out and that he would find another way through a credit or a valid check. After being told flase promises the mangers stopped replying and we weren't able to hear back from the company on any update on the situation. It has almost been a year! at this point we switched banks because of this awful service and are considering a lawsuit.
Product: Credit reporting

I went to XXXX and requested my free credit report from both XXXX and TransUnion. There are no free credit reports issued through this website as claimed. Both companies will happily provide the requested report online -- if I pay for it. For free- they each refused, and told me to fill out and mail in a form with copies of my social security card, drivers license and XXXX.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PMAB LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PMAB LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX, NC XXXX
Product: Checking or savings account

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

I have made an XXXX report based on multiple fraudulent accounts appearing on my Experian credit report. I was involved in the XXXX data breach, so I feel like my identity was vulnerable to identity fraud and it started all of this happening to my credit profile. 


[ XXXX XXXXXXXX - XXXX -Opened XXXX XXXX ] [ XXXXXXXX XXXX  XXXX XXXX -Opened XXXX XXXX ] [ XXXX - XXXX -Opened XXXX. XXXX ] [ XXXX - XXXX - XXXX XXXX. XXXX ] [ XXXX XXXX - XXXX - XXXX XXXX. XXXX ] [ XXXX XXXX  XXXX - XXXX - Opened XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXX - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] [ XXXXXXXX XXXX  - XXXX - Opened XXXX XXXX ] [ XXXX XXXX - XXXX - Opened XXXX. XXXX ] I am attaching my original Experian letter that was sent a few weeks ago. In it includes some of the inaccuracies on each of the accounts. All three bureaus are supposed to match 100 %, which they failed to do. I want an investigation to fix every mistake on each account. Some of these accounts are very old and shouldn't be reporting anyways. If they still fail to fix each account so that they are matching the other two bureaus 100 % or delete each of these accounts immediately, then I will have no other choice but to take legal action to correct these violations of my rights. I appreciate your help in this matter and I'm looking forward to hearing back from you. Thank you.
Product: Money transfer, virtual currency, or money service

I wanted to deposite money into XXXX  but pnc bank wont connect
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, My name is XXXX XXXX and im submitting this complaint myself and there is no third party involved. It has come to my attention that your company MoneyLion is making a conscious effort of being willfully non-compliant of a lawful document that has been sent mailed multiple times certified mail, submitted through the CFPB multiple times, submitted the FTC, and submitted through the XXXX XXXX XXXX multiple times. These classified documents. Corporate policy does NOT AND HAS NEVER superseded federal laws of the FDCPA, Truth In Lending Act FCRA, and Title 15. The complete disregard of my lawful documents and rights will not be tolerated. My consumer rights have been violated due to various US Codes and at this point I'm a victim of harassment and abuse by MoneyLion. I will give 10 days as a courtesy for officers/employees/agents/CFO 's at your agency ( MoneyLion ) to review the documents I provided.It would be the MoneyLion legal departments best interest to do their due diligence and to settle this privately.One the enforcement of this lawful document goes into effect there will be NO further negotiations. I need to be contacted immediately regarding this matter. Attached to this complaint is a Validation of Debt, A Affidavit of Fact, Exhibits of violations of federal codes and Invoice that is due on XXXX XXXX.
Product: Debt collection

I am filing a complaint against NAVY FCU because they are attempting to collect a debt that I do not owe them. Account Name : NAVY FCU, Account Number : XXXX, XXXX I would like for NAVY FCU to show proof of verification that I owe them {$42000.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.
Product: Mortgage

In  XXXX  of  XXXX , I was diagnosed with   XXXX   XXXX  . I have been out of work, without a paycheck, since  XXXX / XXXX / XXXX . Return to wo rk may  be  2-4  months from now. I underwent  XXXX   XXXX   XXXX  in  XXXX .     We applied for assistance early  XXXX . Ocwen dragged the process out for months and finally denied due to what I was making before I stopped. I am only getting  XXXX  per month from  XXXX  insurance. That is only a third of normal income.     We applied again because they told us to. They said the denial should n't have been based on the old pay stubs. This took 2 months. Again, denied. They said they had to use the income we were making before I stopped working and would not even consider a temporary hardship assistance.     We ca n't make payments any longer an d may lose our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I reached out to The XXXX XXXX XXXX XXXX via certified mail in regards to a collection account for {$1100.00} on my report I have actually reached out to this company twice in regards to validating this debt. I have no contract with this company with my signature.This company doesnt have a license to collect a debt in the state of Michigan XXXX They also did multiple soft pulls on my credit report. This company never responded both times Ive reached out. On XX/XX/2022 I decided to reach out to XXXX, XXXX, and Experian via certified mail in regards to the collection account as well as a charge off account from Regional Acceptance and a few other accounts asking all three of the bureaus to validate these accounts. All three credit bureaus stated that the debts were verified I saw this information from the main websites they did not send me any of the documents that I asked for. I feel like the credit bureaus have failed in regards to treating me fairly. This has affected my credit score Tremendously and this has affecting me in regards to obtaining new credit.
Product: Consumer Loan

Hi, I have an account with BB & T # XXXX I pay monthly car loan payment of {$470.00} and recently I paid Extra Payment ( Second bi-monthly payment ) to reduce the principal but it went towards interest. I understand bank always finds a way to get money from customer but I want to reduce the principal as well. 

I filed several case with CFPB and finally I had a chat with XXXX XXXX, BB & T Branch banker, He explained everything and it was very clear until my second extra payment went towards interest, He told me any payment amount over {$470.00} will go towards to reduce the principal but he lied. It went straight to interest. {$2.00} made on XXXX/XXXX/2016. I was going to make more amount but I was afraid they charge extra interest and they did even after they said extra payment will reduce Principal, not deducted as interest. 

Right, now I 'm really disappointed and I want them to put {$2.00} toward principal as they promised or I was {$2.00} back.
Product: Debt collection

I received a call on my personal cell phone on XX/XX/2019 at XXXX XXXX ( Eastern ) from a man looking for my father. They told me that " someone '' gave them my number despite not even knowing who I am or relation to who they were trying to reach. They did not tell me who gave them my number.

They asked me to pass their contact information to him so that they may discuss " financial litigation '' with him. I asked what it was concerning, but they declined to tell me. 
This call was polite enough and I actually agreed to pass the contact info on. 
He said his name was XXXX from CRS and Associates Today ( XX/XX/2019 ) at XXXX, I received a call from the same number but was unable to take the call. I was left with a voicemail implying legal action was going to be taken as it was the final contact notice and the paperwork was going to be taken off the desk at the end of the day. I had already informed them that I was not the person they were seeking, yet the caller stated that it was " solely intended '' for my father. They know I am not my father, but still give me a message that they know only he is supposed to hear? 

The phone number that the call appeared to come from both times was a local number to me, but the contact information they gave me was located in another state.
Product: Student loan

On XX/XX/26, a student loan I refinanced with SoFi was funded. At the time I refinanced, I responded to an offer to get a {$500.00} cash bonus as part of the refinance. After the refinance was completed, I reached out to inquire about the bonus and was instructed to ensure that I had a W9 on file and that the bonus would be paid in 30 days. I completed the W9 and have followed up with SoFi several times as I still havent received the bonus, and I am not getting helpful assistance. They keep telling me to do the W9 and the bonus will come, which Ive done and it hasnt. The company seems to lack solid controls for ensuring they can fulfill their customer commitments and Im very frustrated. I want the money that was promised to me.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file 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 XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$460.00} ; XXXX XXXX Balance : {$390.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$630.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$820.00} ; XXXX XXXX XXXX  Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account, nor have I been into their office to apply for a loan since 2013. These illegal practices are an attempt to sabotage my credit history.
Product: Debt collection

I have an account that is fraudulent that have been listed with your agency and have been listed with various credit reporting agencies with this false information. ... that needs to be removed i have gone through alot of trouble to get this taken care of I have filed a police report and a ftc id theft affidavit ...
Product: Money transfer, virtual currency, or money service

On XX/XX/year>. My wallet and phone were stolen. I call chase bank to cancel my card and flag my account as the thief had hacked into my phone, and proceeded to use XXXX XXXX. Then after calling chase, I see that the thief began zelling himself, after I asked chase to close my accounts while I try to solve the issue. The thief XXXX himself, I called chase and they told me the previous representative did not lock my accounts. After now locked I filed a claim. Now they are denying my refund for the XXXX  transaction that I did not make.
Product: Debt collection

The company levied the amount in my bank account after I had told them I am unemployed. 
I was behind on rent and was facing eviction during that time of the levied amount. They did not show up for court. The Hand-delivered the court ordered so I was unable to have documents submitted for the judge. Although the amount was put back because it showed it belongs to my mother, I was suffered from the loss and lease termination due to can not pay rent for three months. 
The Debtor did not take in consideration what I was saying and still pursue their documents to court when they knew I can not hire an attorney. This is unacceptable because I had proof, I am a fulltime student, low-income home, and single-mother. They did not listen and pursue whatever they can without talking to me. 

Debtor collect levied wages XX/XX/XXXX. Eviction Notice was instructed for the amount by XX/XX/XXXX. Unable to hold of anyone regarding the money. Luckily, my mom was able to borrow her friends so we do not lose our home. 
Court was XX/XX/XXXX. DEBTOR was NO SHOW. They were hoping I do not show but I was in Court with XXXX XXXX. 
Money was returned. It causes hardship and inconsiderate of what they did. I was behind rent by months. By truth, it is not I do not want to pay, but I was being kicked out of my home if it wasn't for my mom 's help. I am suffering from financial due to loss of employment. I have yet to catch up on car payment, student loans, and rent plus taking care of a teenager. 
Midland Credit do not check their facts. I am saddened that if I do not understand my rights, I would be homeless with a child. Please check this debt company as what they did was not ethical. 
I have documents to back up on all the dates I am implying. It has all personal account numbers. I can attach the court papers and bank levied upon requests.
Product: Credit reporting or other personal consumer reports

# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING INACCURACIES ON MY CREDIT REPORT!!! The original issue I had with XXXX XXXX  is that months after selling my debt to a collection agency the account was still showing open with late payments. I disputed the account and they attempted to update after months of inaccurate reporting. Now it shows as a charge off debt that was written off as a charge off yet I have received no 1099-c from the IRS. 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. This is considered trust fraud. As the debt was supposedly written off in XX/XX/2022. The account was removed from XXXX but still listed on both Equifax and XXXX. I am demanding that XXXX XXXX  and all three credit bureaus remove this debt immediately or I will take further actions against them and their business practices.
Product: Debt collection

After they were notified they created a derrogatory account on my credit profile with XXXX and have not responded with any verification materials
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX These companies have misused my information and have not tried to help with removing there incorrect information from the clients credit report please have this fixed immediately as my rights stated below have been violated.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer Report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.