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

Wells Fargo shut my account down and gave me a number for the fraud department to call. I called the number and they said my account was shut off due to possible fraud and to go to the bank and show my ID and they would give back access. I go to the bank and they turn me away and said I need to make an appointment or walk-in when the bank opens. I try to make an appointment but it is two weeks out and I decided to walk-in and waited 2 hours until I am able to speak with a banker. The banker then proceeds to tell me that there was some fraud with a XXXX that was sent to me and they ended up taking {$500.00} out of my account when the transaction was authorized. They did not tell me this when I had called in and did not let me know that it was urgent that I needed to go into the bank by a specific time and just took the {$500.00} out of the account. The banker says to call the fraud number and put in a claim and they would credit back my money. I proceed to call the fraud department and they say there's another {$3000.00} that they were looking into taking out of my account, this was not even mentioned to me at the bank or the times I called the fraud department. From XXXX to XXXX another {$3000.00} was about to be taken out of my account. No notice from the bank what so ever. I escalated this to management and they said I couldn't put a claim in to get my {$500.00} back. I asked them if it was typical for them to just shut off my account access and expect me to know that I had fraudulent activity in review and they were going to take money from me with no notice. He said I should have been notified on my online banking or app whiche by the way they shut down. He said that I should have known to go to the bank right away if my account access was shut down, but I was turned away and told to make an appointment 2 weeks out. They will not give me my {$500.00} back and there was no notification from them prior to them completing their fraud review. The way they went about this was unjustifiable. They can not complete a fraud review without speaking with both parties and not even contacting them to get authorization. Wells fargo took {$500.00} out of my account on XX/XX/23 from a XXXX transaction that was done on XX/XX/23. They will not give me back the {$500.00} even though it was an authorized transaction.
Product: Credit reporting or other personal consumer reports

I paid off a student loan with XXXX, and when the account was marked as closed, my credit score went down over XXXX points.
Product: Bank account or service

I have been trying for several years to access my HSBC account. First, I tried to withdraw my money from an ATM, only to learn that my ATM card did not work. I went inside and was told I could only be assisted over the phone because I had opened my account online. Once I called, I was told that my account was locked because I had not accessed it. I asked for it to be unlocked and was told that I would have to submit a letter with photo ID. I sent this in but never heard back and, to be honest, forgot about the account. Then, in XXXX of this year, I received a form that my account was in dormancy status and would be turned over to abandoned property if I did not complete the form, have it notarized and return it. I did this step and mailed it on XXXX XXXX. Today, after receiving an email from the bank that my statement was available, I tried to login, but can not do so. I called and spoke to XXXX ( employee ID XXXX ) who verified all of my information and then told me that my account was still in dormancy status and that there was no record of the form I had returned. He further said that there was nothing that he could do other than send me another copy of the form I had already completed and returned. I know that my balance in this account is {$310.00} and all that I am trying to do is retrieve my money.
Product: Debt collection

From the onset of Realtime Resolutions  has provided false and inaccurate billing statements. Despite paying the agreed amount on time Realtime Resolutions continues to send me billing which reflects that I am behind on payments which actually I am not. This is more than frustrating as this is the third complaint filed to have an official audit of my account. Realtime Resolutions has committed fraudulent acts by sending correspondence which reflects payment up to date. But billing statements from the past four months that indicate that I am delinquent on payments which is false.
Product: Debt collection

XXXX XXXX  XXXX have bought some of my personal loan and credit card debts. They are a collection agency that are very aggressive from what I understand. But I am currently almost in my second year of my XXXX  XXXX bankruptcy so theres nothing they can do against me. I am asking for this company to contact XXXX credit reporting bureau to let them know these loan and credit card accounts they bought are closed accounts and not open. My XXXX  credit score is being hurt badly by this company that shows my accounts as being open still. When actually these accounts have all been closed as of late XXXX. When I first filed my bankruptcy XXXX  XXXX in XX/XX/scrub>XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting errors credit inquirys date XX/XX/2023 companys XXXX Bank / XXXX  and XXXX XXXX.
Product: Student loan

Im harrassed with phone calls and unrelenless amouts of mail concerning student loans im not able to pay. Due to my XXXX from Honorable service in the XXXX im unable to work an stable job currently while recieving limited unearned income from Veterans XXXX. Its a shame that the creditors cant recieve payment at this moment for student loans that furthered my education and im not even able to use the education to my advantage to earn the income needed. This doesnt mean that they should hassle me and im unable to make payments or even consolidate my credit in this day or hour.
Product: Vehicle loan or lease

I have attempted to correct the problem with Chase finance but they are telling me that the report is correct. I leased my vehicle with Chase last year. On XX/XX/XXXX a payment should of been auto drafted out of my account. I was under the assumption that I was set up on auto pay with Chase. Well apparently not because my lease went past 30 days as unpaid. I received a call from Chase and disputed about the issue. I made the payment and continued to dispute the issue about the auto pay. I've made multiple attempts to try and fix it with Chase but there cusgomer service has not been helpful. Also, I've contacted all three creditors to get the problem resolved.
Product: Checking or savings account

Greetings, I received a check as a loan from a friend and I deposited it into my chase bank account. Shortly after deposition the check chase bank suspected the check as fraud and froze my bank account. After contacting them and a long conversation they gave me two options 1- to have the issuer of the check to walk into a chase branch with 2 valid identification cards within 7 business days of that notice and state the check is not fraud or 2- chase bank will call the issuer and confirm that the checks not a fraud. These two options were not possible for me as the issuer is a dual citizen and was not in the country at that time to go into a branch and clear that up ( please note that the check I deposited was with an American  bank XXXX XXXX ) and the second option was not possible because chase bank insisted on only calling a phone number of the check issuer that is registered on public records and there was no available number there to contact her ( I also requested chase bank to reach out to XXXX XXXX XXXX and to obtain a phone number of the check issuer to contact her via a verified number ). As a result chase closed my accounts because they suspected fraud and has withheld that balance from myself and the check issuer till today. I reached out to the check issuer to contact her bank and verify the check which she did and her bank contacted chase to verify the check but chase still refused to release the funds. As a result because chase refused to release me the funds I requested the issuer to request a recall from the bank where the check was issued ( XXXX XXXX ) and she did the bank requested that the check be reversed and chase refused to release the funds. As a result at this point chase is withholding funds of {$1300.00} from my checking account and refuses to release it to either myself or the issuer. Secondly they shut my accounts down which includes my checking account and notified me that they are ending all relationships with me.
Product: Debt collection

I keep receiving phone calls from number XXXX, they say they are from Synchrony Bank, trying to collect a debt from 2 credit cards which I don't owe anything.
Product: Vehicle loan or lease

LOBEL FINANCIAL
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I LEASED A CAR FROM LOBEL TWO MONTHS LATER THE CAR GAVE OUT ON ME IT WAS A LEMON. I TOLD THEM TO GET ME ANOTHER CAR AND THEY REFUSED. I TOLD THEM TO PICK UP THEIR CAR AND TILL THIS DAY THEY ARE CHARGING FOR A VEHICLE THAT HAS EITHER BEEN JUNKED OR SOLD FOR PARTS. I THINK THIS IS UNFAIR. THIS HAS BEEN GOING ON SINCE XXXX XXXX XXXX  AND BECAUSE OF THIS I CAN'T GET ANOTHER VEHICLE SO I CAN GO TO WORK TO TAKE CARE OF MY FAMILY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed two letters with XXXX to remove the incorrect information that is on my credit report. The information is regarding a bankruptcy that was filed in XX/XX/XXXX. According to documentation that I have received from the U.S Bankruptcy court in Minnesota dated XX/XX/XXXX, they DO NOT report any information to any of the three credit reporting agencies. My first attempt to clear this up with XXXX was on XX/XX/XXXX and I received a letter in response stating that the information was valid. My second attempt was on XX/XX/XXXX, and I included their response as well stating that I needed to contact the reporting agency. The reporting agency again DOES NOT provide the information as stated above. I have now escalated this issue to your agency in hopes to get this cleared up. I have included all the documentation needed to clears this matter up. I look forward to your help in this matter. Thank you XXXX XXXX
Product: Credit card or prepaid card

Today I receive a letter from Synchrony Bank/Walmart reducing my credit limit based on a consumer report pulled on   XXXX   XXXX   XXXX   and a score of  XXXX . I called Synchrony bank/Walmart to ask when my credit was pulled and the representative (  XXXX  ) would not tell me. When I pressed for an answer to my specific questions above again he proceeded to tell me maybe on  XX/XX/XXXX  or   XXXX   XXXX   XXXX  . When I asked to speak with a supervisor, reluctantly   XXXX   placed me on hold for 14 minutes and   XXXX   came on the line as an account manager. I asked   XXXX   the same question above ( when did above creditor pulled my credit and he proceeded to me that my credit was not pulled but they use a different company to get a score.
<P/>
Can you please help me with Synchrony Bank/Walmart who are violating my consumer right by illegally pulling my credit score or lied about the fact in attached letter as my credit is frozen with all   XXXX    bureaus?
<P/>
I am aware that companies can use other methods to review an account but not as stated in the attached letter.
Please advise.
<P/>
Sincerely,   XXXX   XXXX  ,   XXXX     XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E.these actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I am a XXXX year old single woman who attended XXXX XXXX XXXX located at the time ( 2019 ), in XXXX XXXX, XXXX They had no equipment or materials other than reading out of a book. After taking the test several times to past the class, I took the XXXX XXXX test and failed it. the school has shut down shortly after that. Closed the doors. 
Since then I paid {$340.00} dollars XXXX more times and still failed it. I no longer can afford to keep trying. The School was a scam I believe ;. therefore I would like to cancel my loan agreement even if it means canceling my certificate which doesnt do anything for me. I would like my Loan with Ed Financial forgiven.
Product: Money transfer, virtual currency, or money service

I registered at a cryptocurrency exchange cex.io back in XXXX. Used it sparingly. Upgraded to their Address verification level with an ability to deposit and withdraw both XXXX and XXXX currency up to {$10000.00} daily. 

In XXXX I initiated a verification process to get upgraded to their Enhanced level of verificationwithout any daily deposit and withdrawal limits. 
Throughoutthe process I provided cex.io with my tax income documents ( IRS XXXX XXXX ), proof of income, and all the documents they asked for. Communication was conducted with cex.io via email. I must note that at some points they didn't respond to my emails and I had to wait for their replies for months. 

After they received all the documents proving my income they asked me to provide " screenshotof the withdrawal destination platform showing owner ship of that wallet. '' for transactions dated back in XXXX. 
I find it unreasonable to require this kind of information for these reasons : XXXX. Transactions are old. I upgraded to Address verification level after those transactions took place. So why cex.io is looking at the old transactions whichpassed the previous verifications? 
XXXX. I have no access to destination wallets, since they were not mine. Even if they were mine, why am I required to take their screenshots and share with someone? That is unsafe practice. 
XXXX. I don't have to remember who I send coins to or who sends coins to me. 

A cex.io customer support representative wrote that they had to comply with regulators. They didn't mentionany regulator 's name or a source of information where such regulations are defined. 

I decided to cancel the Enhanced verification and withdraw my XXXX XXXX to my XXXX. However, I found out that cex.io has locked my funds without any notification. 
I XXXX twice asking to unlock my coins, but receivedno any reaction. 
I XXXX on XX/XX/XXXX demanding to unlock their illegal hold, but receivedno any reaction.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments 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. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Vehicle loan or lease

I purchased a vehicle with XXXX XXXX services in XX/XX/XXXX. I have never been late with payment and payed over, resulting in my $ 462 monthly payment being on {$62.00} the month of XXXX. I purchased a new vehicle on XX/XX/XXXX, the due date of flagship. The loan from Flagship was transferred to capital XXXX that date. XXXX has a questionable reputation, so even though I had already been released from my loan. I paid {$70.00} to ensure I was not hit with a late fee, with the assurance that this would be refunded as my payment was not included in the payout. Not only did they XXXX not return the already paid funds but they are charging for another month. When I called, the representative stated they did not receive a payout when I have the paperwork from XXXX XXXX stating that it has, along with the title of release.
Product: Credit reporting or other personal consumer reports

I checked my credit report but I am still shocked with how inaccurate accounts keep showing up on my credit report. I have no idea why this is still happening but please do check the documents I've sent regarding this matter.
Product: Checking or savings account

I opened a business account with Truist Bank on a promotion coupon. Because I open the account the bank was supposed to deposit {$300.00} promotional credit into my account. I contacted the branch and spoke with a manger twice and both of them assured me that my account would receive the promotion. It's been over 6 months and I have yet to receive my credit amount and on last week Truist closed my account.
Product: Debt collection

On XX/XX/2018, I notice that a company named Ad Astra was reporting a collecting debt in the amount of {$1800.00} on my credit reports. It was unlawfully reporting I owed this amount via XXXX XXXX out of XXXX, KS. 

I disputed with each credit reporting bureau that this debt not mine. 

I also wrote to Ad Astra requesting the following in order to properly and lawfully validate this alleged debt : 1. Complete payment history, the requirement of which has been established via XXXX vs.XXXX  and 2. Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.

3. Letter of sale or assignment from the original creditor to Ad Astra. ( Agreement with XXXX XXXX ), that grants you the authority to collect on this alleged debt. ) 4. Intimate knowledge of the creation of the debt by you, the collection agency Ad Astra never returned a response to my letter, and all credit bureaus reported back that Ad Astra unlawfully verified the debt was mine. 

I sent another dispute to the credit bureau in XX/XX/2018 after getting an alert from my credit monitor that Ad Adstra was still reporting on my credit reports. Again, I stated that the debt was not mine and to remove the account from my credit reports. They returned the dispute that Ad Astra verified the collection account as mine and the account has unlawfully stayed on my credit report. 

Also in XX/XX/2018, I resent my request for validation letter to Ad Adstra, only to receive a 1 page letter from them dated XX/XX/2018 that stated " they reviewed the account file with our client and determined that the facts in reference to this debt are consistent with the information provided by our client. '' There was no documentation as I requested, to support that this debt was mine.
Product: Debt collection

On XX/XX/2024, I was notified by the credit reporting bureaus that a debt collection from " Transworld System INC '' was reporting on my credit report. I was never aware of any debt that I had and they did not ever attempt to contact me in any communication form. I contacted them on XX/XX/2024 and they stated that they " contacted my by email and phone '' but I have checked all of my emails and my phone records as I do not delete any emails and call logs and there is no evidence that I received an email or call from them. I searched specifically using the email address they gave me to search by and there is no attempt to contact by them.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below XX/XX/XXXX XXXX XXXX {$1200.00}XX/XX/XXXXXXXX XXXX {$1200.00} These collections are the results of identity theft and fraud.
Product: Checking or savings account

I opened a high yield savings account with capital one. I transferred funds from XXXX XXXX savings account to capital one. Funds kept getting sent back to firefighters first account. XXXX XXXX  only allows a certain amount transfers a month. Capital one closed my account. They are now holding XXXX dollars of my money. They have given me no time frame of when my money will be sent back or why my account is under investigation.