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

ON DATE : XX/XX/19, I received a check from a family member for funds used for the purchase of a special needs van for a special needs child in my family. When I went to the bank, Chase N.A., at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, they refused to cash my check. this check was from their bank. The bank manager,  XXXX XXXX, informed me that he has to force me to get an account in order to get more than {$1500.00} for non-members. I called the FDIC to complaint while in his office they refer me to CFPB. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was refer to the bank manager, XXXX XXXX. Who then told me that he too was informed by his management chain that for non-members highest they can do is {$2000.00} or he would be forced me to open an account to get the rest. I went to another bank, chase, location : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, was informed their bank doesn't process depositors. 
At the end of the day. Went to ( 5 ) banks to cash ( 5 ) different checks from ( 5 ) completely different banks. Chase was the only problem child.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by the tax consultant that my identity has been stolen because someone had already filed under my personal information. I called IRS and took measures. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am not familiar with. Please remove these items from my report. 

XXXX XXXX {$2700.00} XXXX XXXX {$2800.00} XXXX   XXXX {$2700.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX   XXXX {$340.00} XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX   XXXX {$590.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$400.00} XXXX   XXXX {$16000.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX XXXX {$740.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been trying to have a Debt Collection company removed from the Credit Agencies ( XXXX, XXXX, and Equifax ). 
The negative reporting was removed in XXXX from XXXX, in XXXX it was removed from XXXX, as of this date Equifax will not remove the dispute. Five requests have been sent to Equifax with the last one sent XX/XX/XXXX. Equifax dispute online via internet does not work properly and phone calls achieve nothing but a run around. 
All disputes with Equifax have gone unanswered.
Product: Debt collection

I have an auto loan from Westlake Financial Services on my credit report for an auto loan that is not mines. I do not have a vehicle nor a drivers license. I contacted the company and they directed me to complete an identity theft affidavit.
Product: Mortgage

I was approved for a Home Affordable Unemployment Plan ( HAUP ) with my service provider, Bayview Loan Servicing for 6 months. In the meantime I also requested a loan modification to reduce my mortgage payments. I was told that while my modification would be in review to keep paying the reduced mortgage payments under the HAUP plan. I was denied the modification and was then told that the HAUP agreement was no longer in effect as a result of the modification being denied. I was never told that the HAUP would be cancelled if I did not get the modification I requested. I continued to send in the " reduced '' payments under the HAUP agreement as I 'm still unemployed. I have been charged late fees on my account when I am not late on my payments, my monthly statements are never accurate and I continue to get calls every month regarding the same issues of " nonpayment '' on my account when I make the payments on time every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that there is an account which is erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX Balance : {$20000.00}
Product: Mortgage

In XXXX XXXX I purchased a commercial property and XXXX was the lender on the promissory note in which the commercial property was used for collateral. I made my payments faithfully and was never late. On XXXX XXXX, XXXX I got an on demand letter from First Citizens Bank, from a XXXX XXXX who was a Senior Vice President of First Citizens Bank out of the North Carolina office, prior to receipt of this letter all my business was done with the local banker in XXXX XXXX, FL. On receipt of this letter I immediately called my banker, he indicated to be that he no longer could help me " because the big guys upstairs took this over and wanted this note to end ''. I tried to deal with the above mentioned party to no avail. I was told that the full note was due and that if I could not pay, then I needed to consider selling the property. First Citizens Bank bought out XXXX in XXXX. I was doing fine with that bank until XXXX. After I received the letter and it was clear that I was not going to get any help or relief from the on demand payment call, I reluctantly entered into a short sale contract in XXXX of XXXX. At this point I had paid into this property timely, timely, for 13 years!! In XXXX of XXXX the same XXXX XXXX from First Citizens Bank accepted an offer to sell the property for a proposed price of {$340000.00} leaving me approx. {$240000.00} short of paying off the note. The property then sold. At this point I was still current on all payment through XXXX of XXXX. I do not understand why I had to sell the property for which I had never been late paying on. I pride myself on my family values of paying what is owed on time always. So now the property is gone and on XXXX XXXX, XXXX a year after the property was gone I received a Summons and a Complaint was filed in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX, Florida. The Plaintiff First Citizens Bank and Trust Co, as survivor by merger with XXXX, f/k/a XXXX, filed suit against me, the Defendant in an action for damages in the amount of {$240000.00}. At that point I was like " What!! '' the property is gone by duress, I feel that they forced my hand in selling the property, and now over a year later I am getting sued? I did not know what to do, so an answer with affirmative defenses and counterclaim was filed with the same court stated above. What good does it do to answer back, the property is wrongfully gone, they want $ XXXX they will not negotiate and they will issue a XXXX and I will be hit by income taxes that I will not be able to pay. Now it should be noted that the property that was pried from my hands unlawfully, ( it is proven that they did not even own the note, as the note was improperly executed in the merger ) is able to be sold for XXXX - in less than 2 years, if the above mentioned bank would have allowed me to continue to pay ( as I did faithfully for 13 years ), I would of still have the property and their interest would of continued to have been protected as it had been for 13 years, now they want a default judgement on me. How can this be legal, it is certainly not fair, nor just.
Product: Money transfer, virtual currency, or money service

I have over XXXXXXXX XXXX in my Blockchain.com crypto exchange account. The amount was withdrawn by me to my bank account, yet the withdrawal has been sitting in limbo - " pending '' as displayed in their system. I have also been de-verified and requested to complete verification once again. 

I have been a customer for a few years and was XXXX verified to the last level ( most thorough XXXX verification available ). 

I have requested the XXXX withdrawal to be allowed to be sent to my bank account, but got nothing but excuses such as " the team will get back to you, I am sorry '' etc. 

As of now, I can not even log in to the account, because they won't send me the verification E-mail. I tried logging in just now and a few weeks ago as well, so it's not a temporary issue nor does my E-mail client experience problems whatsoever. 

There are dozens of similar situations such as mine posted on XXXX. I want my money back, these guys are selectively scamming people. I hope they go bankrupt and their CEO losses all his money to someone selectively scamming him as well. 

Thank you, would really appreciate your help.
Product: Credit reporting or other personal consumer reports

Synchrony Bank XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

USCB America is attempting to collect a debt owed to XXXX XXXX. 

I settled the debt directly with XXXX XXXX on XX/XX/2020 for {$120.00}. However, USCB America claims that the debt has not peen paid and is attempting to collect for an increased amount of {$220.00}. 

They have attempted to collect this already-paid debt by mail and by phone. The latest phone call was on XX/XX/2020. 

Please see attached XXXX XXXX receipt.
Product: Vehicle loan or lease

I purchased a new XXXX XXXX XXXX on XXXX XXXX, XXXX. It was financed through GM Financial XXXX XXXX. XXXX XXXX XXXX TX. I got sick with XXXX and was XXXX in that same year. I fell upon hard times and was ultimately given XXXX XXXX XXXX XXXX. I tried to keep up the payments but I could not so on XXXX XXXX, XXXX I voluntarily surrendered the vehicle. The amount financed was XXXX and residual balance after the sale was XXXX. I received that notice on XX/XX/XXXX which was 14 days after the vehicle was sold at a private auction. It was sold on XX/XX/XXXX. I called GM that same day they offered to settle for XXXX. I explained I did not have that much and was living with my brother, the best I could do was 25 % ( XXXX ) I was told they would check with managment. I did not hear back from them. I responded in writing on XX/XX/XXXX and made them an offer to settle for 25 % or XXXX. I had that much in savings. I told them in the certified letter to advise within 10 days if this was acceptable. I did not hear back from them so on XXXX XXXX I sent them another letter advising I was sending a check for full and final settlement of XXXX. They deposited the check so I figured the matter was over. I then got another letter on XX/XX/XXXX offering to settle for XXXX in addition to my first payment. I sent them another certified letter stating I considered the debt settled. Now they call every week daily trying to settle on the full amount of XXXX. I spoke to them today and offered to pay an addition XXXX which was the first settlement offer even thought I was not admitting liab just to get them to stop harrassing me. I was refused and told that I must pay the entire residual balance or they would turn me into a third party collections agency. At that time I withdrew my offer of {$1500.00} additional to settle. I think I have done everything possible to amicably settle this matter even though I feel my liabiliy ended when they accepted my full and final settlment check. Please resolve this matter as the stress they are causing me is affecting my XXXX.
Product: Vehicle loan or lease

Ok. I got the bike out of state in Texas XXXX a XXXX XXXX XXXX XXXX. Finance the finance turned into a lease Motoleaseing in XXXX which I not to good on i never lease before It took almost two months to get the bike to XXXX and soon it get here they call few days later for the note. They call on the phone and email me just the signed paper. but I had not written paper just in my phone so some of the stuff i didn't know. They told me about it before they print it and they left out a few thing. And I had to ask for it. The bike was here but not paperwork or leasing paper when delivered to me. Just paper from Texas the deal turn out shady at the end. Like the GPS they told me to make the deal work I have to agree to it. But they never told me on the phone i had to pay for it 800 plus for it. They email me the contact and its was there. So when the bike get to me my rent went up I didn't have any idea that was going to happend. So I call to tell them ask to reduce my payments some so i can make them without struggling my payment is XXXX for a used bike with 98400 miles on it no warranty manager special They didn't serviceonly checked to make sure it runs and switch gear that was it I called them on it. I was leaking oil out the craburater engine comes off and on. My credit wasn't good. But I had money down for them. The Bike was 8000 plus now done it became 10000 plus and 1300 plus at the end. I pay late behind rent but they get they money. They call me a work and I told them not to call after XXXX and we can talk. But no they call me back to back and just hold the phone. They done that a lot to where my boss questions me about and warned me. I feel they should work with me plus I think the bike is no good to.
Product: Mortgage

borrower requested short sale approval for XXXX lien with Navy Federal Credit Union and can not get response since XXXX/XXXX/15. when I spoke to XXXX of the NFCU loss mitigation reps I was told that they would not accept the XXXX offered for the settlement and would pursue the borrower XXXX for the deficiency, and that their normal business practice is to wait until the XXXX trust approval is close to expiration hoping that agents and buyers will become frantic and pay them more than the initial offering. this particular sale is a VA compromise sale and the XXXX lien holder was offering them XXXX the buyer has offered some and I have offered commission to get them XXXX and we can not get a decision.
Product: Debt collection

On XX/XX/XXXX, I fulfilled the settlement amount {$500.00} to XXXX XXXX XXXX XXXX for the original creditor Synchrony Bank ( XXXX 's Club ) ; the agreed amount of {$100.00} per month for five months was collected from my XXXX account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which completed the {$500.00} settlement amount. Yet, on XX/XX/XXXX XXXX XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies for this debt. Then, on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX had XXXX XXXX XXXX XXXX send me a letter requesting additional monies. Equally as important, I have received letters from XXXX XXXX XXXX requesting additional monies on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX even though the agreed upon settlement amount of {$500.00} was paid in full on XX/XX/XXXX. But, I continue to receive threatening letters regarding this debt which was paid in a settlement of {$500.00}.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX MO XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Original Creditor XXXX  XXXX XXXX XXXX XXXXXXXX Balance {$940.00} XXXX XXXX XXXX Original Creditor XXXX  XXXXXXXX XXXX XXXX XXXX Balance {$740.00} XXXX XXXX  Original CreditoXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX  XXXX XXXX Date Opened : XX/XX/XXXX, XXXX Balance : {$72.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed on my credit report that my best buy account is reporting late payments for over a year and that the account is now closed and negatively effecting my credit. I tried contacting best buy and they were of little help stating that only the minimum was sent, but even if the minimum was sent i shouldn't have all of these late payments on my credit report. I am attaching to this complaint the proof of payments that I made to best buy from my XXXX XXXX  savings account. I tried disputing this information with the credit bureau and they continued reporting the debt. Best buy has been difficult to work with. I have proof of making all of the payments that they are recording as a late or missed payment on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, have accounts that are reporting wrong and incorrect information. I have tried relentlessly to remove these errors from my credit report with the original creditor and the credit bureau 's, however, I have been unsuccessful as the credit bureau 's and original creditors have been violating federal law! The account from XXXX XXXX with the XXXX are reporting late payments that are incorrect. According to 15 U.S. Code 1666b- Timing of Payment XXXX XXXX EXPERIAN XXXX AND XXXX ARE BREAKING THE LAW. Pursuant to subsection ( A ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I, XXXX XXXX XXXX, did not receive a periodic statement 21 days before my account was going to be late which is a violation of federal law. Additionally, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I have attached a copy of the law to this document. I demand the late payment ( s ) be removed from the following account ( s ) immediately. XXXX XXXXXXXX XXXX
Product: Debt or credit management

My social security number information got compromised. I filed a police report. Did a identify theft report on the website. Freezed my credit cards with XXXX and XXXX  they froze my card. I have yet to go to the social security office to get a new card. Im an XXXX XXXX XXXX member and my information is my priority to my job. I let my bank know XXXX XXXX XXXX XXXX but they couldnt assist me. I did an XXXX XXXX XXXX  online and there is no fraud being committed at the moment. But equifax the credit bureau cant help me. I have called multiple times but they cant help me. They are saying I am giving them the wrong social number, online I keep getting an error whenever I try to register. Equifax cant help me with my incident. 

below is a document showing all the phone calls I have made to the credit bureaus and other identity theft government sites.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 paid collections that are still showing on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle. Despite using Zelle and attempting to reclaim unauthorized money sent, the financial institution has failed to investigate my claims adequately. They said recovering the lost funds was impossible. The CFPBs findings indicate that Zelle has not only neglected their customers rights, but allowed repeat offenders to exploit the system. This is unacceptable and raises concerns of consumer safety. This also includes XXXX and XXXX for allowing unauthorized money sent to repeat scammers.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To whom it may concern, I have several unauthorized and fraudulent inquiries reporting on my consumer report and I am being heavily affected by them. These inquiries were made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never authorized any of these companies to view my consumer report. Not only is this a breach of privacy but your company is also in direct violation of the FCRA. I am requesting you validate and verify these inquiries by providing me with a contract bearing my signature that authorized all inquiries. 

If this documentation is not provided to me within 30 days these inquiries must be removed immediately, if you fail to do so you are willfully in non-compliance by continuing to engage in fraudulent practices. Furthermore, you are in violation of the FCRA. 

Thank you for your attention in this matter, XXXX XXXX XXXX  Without prejudice, All Natural Rights Reserved
Product: Debt collection

A few months ago I realized I was the victim of Identity Theft and some credit accounts were opened in my name unlawfully and charges were made unknowingly to me. I discovered the theft from viewing my credit reports from all XXXX bureaus. I froze all of my credit files, completed an ID Theft Affidavit with the FTC, obtained a police report from my city, sent Affidavits of denial and ID Theft to all creditors and collection agencirs that contacted me trying to obtain money from this clearly fraudulent account. These collection agencies continue to try and collect from me and not remove these items from my credit reports. The collection company is XXXX XXXX and they are collecting for Kay Jewelers aka Sterling Jewelers for account XXXX. This account is one fraudulent account included in my identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company, Mariner Finance is reporting a delinquent loan in the amount of {$5500.00} on my credit report inaccurately/fraudulently! I have spoken with this company numerous times regarding this and they advised that there was also insurance purchased with this loan that pays the monthly payments on this loan if a person loses their job or any other reasons it cant be paid. That also did not happen and was a lie! I then spoke with a lady at this company and she very rudely stated to me that since I dont have anything else to do throughout the day, that I can call them and send them certain documents that I did not have! This company has been very inappropriate and disrespectful to me! They are inaccurately reporting this to my credit report.