23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

As a member with chase bank I received my check from my job and I usually cash my check online with the online banking. However this time was different, when I cashed my check my account was placed on a hold until XX/XX/XXXX to release my money, I spoke to several representative from chase bank and Im still confused at this matter. My money was released to me on XX/XX/2023 ( Monday ) as the next day came I noticed chase removed my money out my account stating deposited back leaving my account again in a negative. Im beyond frustrated how chase can simply give me my funds and take them away. This is un-acceptable especially around the holidays I never experienced any matter in such and will definitely like answers and much useful ways how I can get my money I worked so hard for. I use the same Routine in cashing my check all the time but his time is completely different.
Product: Checking or savings account

i opened an account back in XX/XX/2021 with an offer of {$400.00} credit when i keep minimum $ XXXX after 60 days of opening an account. 

Its been approx 6 months and the bonus did not get credited and I had to followup multiple times with the bank and still it is not credited. 

I even walked into the branch and complained but still it is not credited.
Product: Student loan

On XX/XX/XXXX of 2022 I asked for a refund of the payments I made on my student loans during the forbearance period. I asked for the entire amount I paid during the forbearance period to be refunded. They said it would take XXXX - XXXX weeks. I sent another email in XXXX and they responded the time period can take XXXX weeks. It has now been XXXX weeks. I need the money and this should have been taken care of by now. I also called and requested the refund in XXXX. 
Thank you for addressing this matter.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE OPEN UP A  XXXX   XXXX  ACCOUNT USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME  XXXX   XXXX  WHICH IS A FEMALE  XXXX , I AM  XXXX   XXXX . I SENT POLICE REPORT TO  XXXX  AND TRANSUNION SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.
Product: Payday loan, title loan, or personal loan

About  XXXX   XXXX ,  XXXX , I received in the mail a notice of pre qualification for a loan f rom One Main Financial . On their website, I supplied some information to see what loan amount I would qualify for. I received an email stating my loan was approved for up to {$12000.00}. I took in my information t o the One Main location  on the mailing. I was told I would qualify for {$6000.00}. I was also told to submit more information which I did, including my finished  XXXX  tax returns that showed an adjusted income of {$56000.0 0}. Ione Main Financial sent   me a denial of credit stating my income was not enough to qualify. Then, about  XXXX   XXXX ,  XXXX , I received another notice in the mail from  One Main Financial that I pre-Qualified for {$5200.00}. One Main kept running my credit report which caused my credit score to  fall due to to many inquiries, making the loan I did receive with another company on  XXXX   XXXX ,  XXXX , more expensive, due to the increased interest rate. This is not right.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I notified XXXX, Experian, and XXXX agency that I was a victim of identity theft via certified mail and as of today XX/XX/2023 XXXXon, Experian, and XXXX continues to report information that resulted from the identity theft. Section 605B, Block of Information Resulting From Identity Theft, requires consumer reporting agencies to notify furnishers of information, including financial institutions, that information may be the result of identity theft, and that an identity theft report has been filed. I provided them with FTC report number XXXX and XXXX, as well as a block that had been requested. Upon receiving such notice, Section 623 ( a ) ( 6 ) requires furnishers to block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from identity theft, not later than 4 business days after the date of receipt by such agency of ; 1. appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

All four requirements were met by me and will be attached to this complaint. At this time the agency has failed a requirement of the FCRA 15 U.S. Code 1681c2 to block the reporting of the information in my file that I identified as information that resulted from the identity theft, not later than 4 business days after the date of receipt by such agency which is a violation of law and is civilly liable to me for willful noncompliance actual damages sustained by me as a result of this failure under 15 U.S. Code 1681n.
Product: Credit reporting or other personal consumer reports

I did not authorize any of these inquiries XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Credit Unions XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Miscellaneous Reptg. Agencies FORTIVA XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Credit Unions XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX All Banks FORTIVA/XXXX Inquiry : XXXX XXXX, XXXX XXXX All Banks ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX  Auto Financing XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX Auto Financing
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my sleep quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.

Account Name : XXXX XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are Equifax : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to block information from my credit file as required by the Fair Credit Reporting Act Section 605B.

I sent a letter requesting the block on XX/XX/XXXX. Along with this letter was documentation establishing my identity and documentation supporting my claims that this was a result of identity theft ( e.g., my FTC Identity Theft Report, FBI IC3 Complaint, 2 police reports, and a criminal indictment ). This letter was delivered on XX/XX/XXXX.

According to FCRA 605B, Equifax is required to block this information within four business days of receiving the request and documentation. While 605B allows for companies to decline to block information, Equifax did not provide any explanation or claim under 605B as to why they were declining to block the information.

It has now been 10 business days. The information was blocked by both XXXX  and XXXX. Not to mention I have a letter from the creditor acknowledging cancellation of the debt.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX and spoke with XXXX on XX/XX/2024 at XXXX XXXX XXXXXXXX the following accounts that are showing paid on my credit report however disqualify me from being able to rent a home. I asked that these accounts be deleted from my report as they are paid and I was advised by XXXX that even though they are paid, they stay on the account for seven years after delinquency date is submitted, which makes no sense because if I would have never paid the debt, the account would have fell off of my credit within seven years as well. The accounts that need to be removed are as followed XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts are paid and positive standing therefore, its only right that they are removed because though they are paid, they are still reflecting negatively on my rent and credit score.
Product: Vehicle loan or lease

I Have been off Out Work for A Year Now And Lost My Income, before Then I Paid My Car Note On Time Every Month And I Would Sometimes Add Extra Money To My Note To Be A Head. I Am At The End of My Payment and I am about to start back To Work I have Someone Calling me Every DAY!!! I have Explained my Situation over and over and over again It's really Stressful. I will Settle for A Lesser Amount to Get it paid and to get my XXXX  Thank You
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXX 's inaction violets federal law and my rights as a consumer.
Product: Student loan

At this time I suspect Sallie Mae student loan provider of predatory lending and am writing a complaint. My son is enrolled as a full-time student at XXXX University XXXX XXXX. He has student loans with private student loan lender Sallie Mae. As of XX/XX/2024, his monthly student loan payment with Sallie Mae was {$25.00}. In XXXX, we made a payment in the amount of {$75.00} to cover current amount due as well as advanced payments, and was told by the Sallie Mae representative that the next payment of {$25.00} would be due in XXXX. However, around XX/XX/2024 I received emails and calls from Sallie Mae that the payment was past due. On XX/XX/2024 I called Sallie Mae and explained that the next payment due was in XXXX. The Sallie Mae representative reviewed the account and said that a payment in the amount of {$5200.00} ( not {$25.00} ) was the current amount owed, and was due immediately! She went on to explain that the {$25.00} payment amount was part of the in-school enrollment option ; that option had ended and that my son was no longer eligible, even though he is a XXXX student. I advised that I wasn't aware that the in-school enrollment had a statute of limitations. My son and I had not received any notice from Sallie Mae that the in-school enrollment option was a limited plan, nor that it is independent of a student 's enrollment status. Or or that the payment would be XXXX as high! When asked, Sallie Mae offered an alternative plan, with a monthly payment of {$990.00}! That is still XXXX higher than what was budgeted for my son 's student loan payment amount. I was told by the rep there wasn't an option for the former payment amount of {$25.00}, and I only had 24hours ( ie XX/XX/2024 ) to accept the alternate plan of {$990.00}. As a single income provider, I can't afford this new student loan payment amount.
Product: Checking or savings account

XXXX will not send out debit cards. Its been 2 weeks and they refuse to get a card to me. Their solution is just sending another card so they can hold my money another two weeks. Ive waited well past the 9 business days. These people are charging money and not providing the services they claim they provide.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, i wrote to Capital One in reference to their reporting on my credit report and put them on notice about them continuing to report activity on a closed/charged off account which is CONTINOUSLY causing damage to my credit. This per said account charged off for loss in XX/XX/2018. From the IRS website it states that whenever a account is charged to profit or loss/closed reporting must CEASE from that date and no more than 90 days you must report the date of first delinquency that led to the default and that date is to be considered the commencement date of default. This account states CHARGED OFF AS BAD DEBT and has still reported CO which credit bureaus refer as CHARGED OFF. An account can only charge off 1 time. The reporting of CO after the closed date shows inaccuracies and should be removed IMMEDIATELY for not complying with Section 623 15 USC 1681a as this has caused me to not get qualified for a home mortgage. Also when an item is wrtten off for loss, the company notified the IRS that the debt was considered a loss, but to date I have yet to receive a 1099c form to be able to notify the IRS that the debt was written off and I can report it for income. The company has failed to meet he obligations of the IRS and has me feeling as if Im committing tax fraud right along with Capital One. Please help me resolve this matter as I have put them on NOTICE 2 times before and now I will be seeking STATUTORY and PUNITIVE damages for their negligence
Product: Bank account or service

On XXXX XXXX, 2016 I attempted to use my debit card to purchase gas for my car and it declined. When I called the debit card customer service line, they informed me that there was a fraudulent transaction for XXXX dollars and some change. I was then told that my card was indeed blocked and that I would be mailed out a new card in 2 business days. I also advised that my online account could not be unlocked until I received my new card. I then called back on XXXX to be transferred to the fraud department. At this time I was told that my card would be mailed in XXXX to 10 business days. I called again on XXXX to make sure my card was mailed out and to ask about automatic payments i have leaving my account. I was assured that my account was blocked and no one could charge my card. On XXXX when I called I was told again that my card would be mailed in XXXX to 10 business days. I was also told that my card had been charged the remaining balance to XXXX dollars fraudulently. I asked the representative how this happened as I was informed on XXXX that my account was blocked. The Rep. then transferred me to their fraud department to seek more information. I spoke with a gentlemen in the fraud department that then advised me that I was not the person my account stated I was. He stated that public information and my account states that I am a woman and that he did not believe I was who I had said I was. Again this is after I verified all the information that was asked of me several times and after I was given access to my online account after the bank blocked the account. The fraud representative asked me to verify my last XXXX digits to my cell phone and then he would call me back to make sure I was who I said I was. He hung the phone up and never called me back. I am now being told that I can not file a fraud claim on the over {$400.00} in fraudulent transactions that were made on my account because the bank refuse to acknowledge that I am the account holder even after I verified all the information needed to access my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an employee for an attorneys office. A salesperson from XXXX XXXX XXXX  XXXX, who was selling office equipment came to this law firm and drew up a contract for XXXX XXXX for XXXX XXXX XXXX XXXX, the name of my employer who has an office in XXXX, TX. After failing to secure the agreement, the salesperson made a unlawful decision to use information from me to make a deal without my knowledge to another financial company, XXXX XXXX. I knew nothing of this until I saw in my credit report with a balance of {$10000.00} from XXXX XXXX. XXXX XXXX never verified my information or if there was any equipment in the office. They just informed me that I needed to pay off a balance for {$10000.00} using my NONPROFIT organization which does not exist at the address on the paperwork. The equipment listed on the paperwork does not exist in this office either. I have disputed this with XXXX and Experian and both say that it is accurate. It is NOT accurate. I have not received any paperwork from XXXX XXXX for me to sign. If I need to submit the documents, I can. I have the original contract with XXXX and what looks like an invoice from XXXX XXXX. I also have recorded the conversation between the salesperson and myself. I want this off my credit report and the my name cleared of any payments to anyone regarding equipment that does not belong to me.
Product: Mortgage

Apologies, my thoughts are all over the place as we've been dealing with this issue for months now .... 

In XXXX, my wife and I refinanced our HELOC into a home equity loan and Shellpoint bought the loan. From the moment Shellpoint took over servicing our loan, we have had nothing but issues just trying to pay them. We have sent instructions 3 times online to pay our bill, yet have only been successful paying once. We call and get no information ( no one can help us ) and no follow up back from them, yet we jump through all the hoops they ask of us. It has been such a hassle to work with them that we decided to refinance again. However, Shellpoint is now rejecting the wire from the bank to pay off our loan. Shellpoint practices predatory debt servicing and is not allowing us out of this loan. The pay off was wired to Shellpoint on XX/XX/XXXX and they credited our account, then debited it - same as they had with our other XXXX payment attempts that didn't go through. Also, Shellpoint took XXXX of our payments, never applied it to our loan, and said they never received it/sent it back - depends on who you speak to there. 

We were notified of Shellpoint taking over our loan in XXXX of XXXX - normal, standard practice after taking out a new loan. Unbeknownst to us, Shellpoint had set up auto-payments to draft funds from a XXXX XXXX account that did not belong to us. We only learned of the error when Shellpoint mailed us a letter about the insufficient funds notice they received from XXXX. So then I created a login for Shellpoint 's website and cleaned up the XXXX instructions, then used the new ( correct ) instructions to set up a one-time payment ( to cover the missed payment ) and set up automatic payments for future months. The one-time payment went through, no problem - cash was taken from our XXXX account and correctly applied to our loan. 

However, with the first automatic payment, the cash was taken from our XXXX account on XX/XX/XXXX but not applied to our loan. Shellpoint says XXXX told them the transfer was rejected ( NSF ) and the money was returned to XXXX. XXXX says no such communication occurred and the money was never returned. There's a disconnect here somewhere. The XXXX ID # for the transfer from XXXX is : XXXX. Also, the ACH instructions that were used to set up this transaction have been deleted and we didn't do that - someone on the Shellpoint side would've had to do that. I've already provided all this information to Shellpoint via multiple phone calls. Weve tried paying you 3 times so far and have had only XXXX transaction successfully occur. 

This needs to be fixed. Shellpoint should be able to practice predatory servicing. It's crazy, all we're trying to do is pay. Please help us.
Product: Credit reporting

I had a dispute on my credit report for XXXX XXXX. This account was not valid since XXXX Loans was sold my mortgage by XXXX shortly after I filed for Chapter XXXX Bankruptcy. That Mortgage was transferred back to XXXX, I contacted XXXX Loans to verify this information before contacting the Credit Reporting Agencies and they agreed it should n't be on my report. Both XXXX XXXX and Equifax were reporting it as 120 days late but Equifax was showing a balance due. I filed a dispute with both Reporting Agencies, XXXX XXXX removed it from my report after a week. Equifax did NOT remove it, they left it on my report only removing the Balance Due. When I contacted Equifax regarding this mistake they proceeded to tell me I had to file another Dispute which would take another 30 days. I contacted XXXX Loans again and they confirmed again it should n't be on my report as the Mortgage was given back to XXXX. Equifax is also not updating their system regarding my credit scores, they show a vastly different amounts owed and score than what XXXX XXXX is reporting my credit scores. Equifax reports my credit score as XXXX yet XXXX XXXX shows it as XXXX with vastly different amounts of what I have opened and owed to my current creditors. This is preventing a XXXX veteran from purchasing a home for his family.
Product: Credit reporting or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX Balance Owed {$6300.00} XXXX XXXX XXXX XXXX Owed {$1200.00} XXXX XXXX XXXX Balance Owed {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX {$140.00} XXXX XXXXXXXX XXXX XXXX Owed {$120.00} XXXX XXXX XXXX Balance Owed {$85.00} XXXX XXXXXXXX XXXX XXXX Owed {$69.00XXXX XXXX XXXXXXXX XXXX XXXX Owed {$79.00} XXXX  IXXXX XXXX XXXX Owed {$83.00} XXXX  XXXX XXXX Balance Owed {$150.00} XXXX XXXXXXXX XXXX XXXX Owed {$73.00} XXXX  XXXX XXXX XXXX Owed {$84.00} XXXX  XXXX XXXX XXXX Owed {$61.00} XXXX XXXX XXXX XXXX Owed {$84.00} XXXX XXXXXXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX XXXX Owed {$0.00} XXXX XXXX XXXX Balance {$12000.00} XXXX XXXX XXXX Balance Owed {$2400.00} XXXX  XXXX XXXX XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX