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

I am a XXXX XXXX. On XX/XX/XXXX, I received a request by email for a my availability for a filming job in XXXX XXXX XXXX. After several e-mails back and forth with this person, I accepted the job and they sent me a check for advance payment. I received the check on XX/XX/XXXX for {$6500.00} ( see attached ) and deposited it in my account at Chase Bank via the ATM. On Monday, XX/XX/XXXX, I called the bank the check was drawn on ( XXXX XXXX ) to verify funds. Later that day, I tried to make a deposit to my Chase account so I would not overdraft ( since the check had not yet cleared ), and was told the account was restricted and I needed to call an 800 number. I called the number and was told that my account had been cancelled and that Chase Bank no longer wanted me as a customer. I had been a customer there for 11 years. I kept escalating the call to manager after manager and got no explanation. 

On XX/XX/XXXX, I went to a branch of Chase Bank in XXXX XXXX XXXX and met with the manager. He looked at my account and said there was nothing he could do to reverse it and that I was a risk to the bank. The check had cleared but he said that I could not have the money, again with no explanation. He then made a couple of phone calls and acted like he was trying to make a case on my behalf but was unsuccessful. I was treated like I was a criminal with no explanation. He said I was banned for life from have a Chase checking account. I asked him about my two credit cards and was told that I could keep them, again with no explanation. 

I told the manager that I have direct deposits that come to that account and he told me that IF that happened, I could come to that branch only and he would give me the money. ( That did happen a few days later and by going to THAT branch, I was able to get my funds. A second direct deposit went to my account and they would NOT give me the funds, but mailed me a check about a week later. Very frustrating. ) At the end of the conversation, my mother ( who had gone with me to the meeting ) asked the manager if this was because of the check I had deposited and the manager said yes. That is the only explanation I ever received. I can only assume that the check was fraudulent and Chase Bank assumed that I was in on the fraud ( which I was NOT! ). The proceeds from the check disappeared from my account and Chase charged me a {$12.00} stop payment fee. 

I feel I have been treated unfairly and had to go to great lengths to set up a new account at another bank and get everything transferred over. 

I am happy to provide the string of e-mails I received concerning this job offer if this would help your investigation. 

Basically, I want an explanation of why I was treated like a criminal when I am the victim here. I filed a police report and have the case number if you would like to have it.
Product: Vehicle loan or lease

XXXX of XXXX  I purchased this vehicle through Santander for {$24000.00} I was told I could refinance after 3 months of on time payments, I found out that santander do not refinance any vehicles so 2 years later with my payments still current I still owe {$22000.00} only {$1400.00} has been paid towards the principal balance, I have tried with several companies to refinance the vehicle no one will refinance because it's only value at {$9500.00} I need help to get rid of this predator lending company at this rate this car would never get paid. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax,  XXXX, XXXX, and XXXX XXXX nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXXl the reps have a attitude and never get anything resolved.I mailed the documents to equifax on XX/XX/2020. 
If I dont get the information I am pursuing a civil lawsuit. 
Also equifax needs to update my name to XXXX XXXX XXXX not XXXX.
Product: Vehicle loan or lease

I obtained a loan with Carmax Finance and paid it off in XX/XX/2021, upon paying it off, it still shows on my credit report with a balance. Since, I refinanced my car loan with a different company it appears that I now have 2 car loans active. I called Carmax and was notified that they had an update to the system which they were not able to confirm if it would be accurately reported to credit so decided that no reporting would be better. I have had to file a dispute to get this corrected and then have to send a letter once corrected to have the dispute removed. It is my understanding that companies are required to report the status of a loan, which in this case they did not and are requiring that consumers call in to have this corrected and this is a known issue and is of no fault of the consumers.
Product: Credit reporting or other personal consumer reports

Today, I'm submitting a formal complaint to address fraudulent activity that has impacted my credit report. Upon discovering unauthorized entries, I conducted research on the necessary steps for resolution. It became evident that filing an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov is essential. As per FCRA Section 605B, Credit Reporting Agencies ( CRAs ) are mandated to remove any items listed in an identity theft report, referencing numbers XXXX & XXXX. Attached, you'll find documents supporting the removal of erroneous accounts and inquiries from my credit report. The following items were opened without my authorization : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA Section 605B ( a ), I request the immediate removal of these accounts and inquiries attributed to identity theft. Furthermore, I ask for necessary warnings to be sent to all data furnishers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX  along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final request to remove account which was opened by another person, not by me. I did not give permission to open this account and never signed any documents. 
I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts, and remove them once its confirmed that they are not mine.
Product: Mortgage

OCWEN has once again badly lowered my credit score. They fixed it back to normal except for XXXX, which they continued to bicker with and blame. XXXX blamed Ocwen. 
Today my XXXX score also dropped drastically from good to bad. OCWEN knows they are preventing me from getting a fair personal loan to pay for my XXXX that are not covered by his insurance. They know they just stopped me from getting a loan to treat termites that I was planning to do next week. They keep causing my credit score to drop drastically as they keep changing how they report my loan. Now they are reporting to XXXX XXXX that it is no longer my loan. They are hurting me and my XXXX son. I have NEVER been late on a loan payment the entire six years I have paid this loan but they keep injuring me and my son anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

I co-signed for a loan for my fianc. I pay the loan monthly through autopay. For XXXX  months this loan was not on my credit. In XXXX  they added it due to disputes I opened. Only for the balance to be incorrect. And all of my previous payment history not reported. I have made ( XXXX ) payments on this loan at {$1200.00}. The balance should be {$41000.00} if it was {$62000.00}. The interest fluctuates. I feel my payments are not being applied correctly. I have tried to fix this issue many times. At this point I want this loan removed from my credit. I feel I fall into the class action lawsuit they had last year. My loan was originated at the beginning of XXXX. They added this onto my credit knowing I fall into this class action lawsuit. I am asking this account be removed and my payments applied be refunded to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> a payment for {$550.00}, On XX/XX/year> a payment for {$970.00} and on XX/XX/year> a payment for {$340.00} was ordered to be made from my checking account ending in XXXX to " XXXX XXXX XXXX XXXX ( XXXX ) via Citibank NA online portal. The beneficiary ( XXXX  ), has denied ever receiving these funds. In fact they provided copies of their statement showing NON-Receipt of funds. Citibank can NOT and has NOT been able to provide satisfactory evidence that would show indisputably that XXXX has received these funds. For example a routing number to the bank they claim to have paid, an account number they credited, the name and address of the company they paid or a confirmation from the bank where XXXX recieved those funds. The only thing Citibank is proving is a " confirmation letter saying that they confirm payment was made as instructed ''. Well that also falls short of proving they made payment as my instructions were to pay via check to a po box . No check was ever sent nor presented to us as evidence that ( XXXX ) received the proceeds. To date, we are unable to confirm XXXX received payment and XXXX  is threatening to send my account to collection because of the missing payments. We have spent hours with Citibank on the line, they have issued a number of case # XXXX XXXX, XXXX, XXXX then XXXX, XXXX, XXXX and most recently XXXX, XXXX & XXXX. It has been escalated to manger levels and No one can provide Name of Bank they paid, XXXX XXXX XXXX name and address to where payment was sent, a confirmation fro

m the Beneficiary that they indeed received the funds. Citibank is not Cooperating to help resolve this matter which could result in a lien or foreclosure against me. PLEASE HELP ME!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 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 verifiable proof, you must remove the accounts listed below. 
XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I contacted Equifax in regards to some hard inquiries that I had no knowledge of. I was bounced around several times ; even having to call back because of a couple disconnected calls, and representatives giving me different answers. By the FOURTH call, I was advised that Equifax is unable to remove my hard inquires and that I need to contact the lenders. I explained ( for the fourth time ) that the lenders kept sending me back to the credit bureaus and it's frustrating getting the run around. I even mentioned that XXXX and XXXX removed these hard inquiries and that Equifax is the only remaining bureau with these incorrect inquiries. I was then advised to send an email to FTC as well as to mail a letter to Equifax Information Services with a cover letter attached to explain what I am explaining now.
Product: Credit reporting, credit repair services, or other personal consumer reports

in 2010 so meone filed a bankruptcy in my name not sure but believe it was my ex-husband from a nasty divorce my credit is perfect and I had no need to file a Bankruptcy.   FCR A 603 ( o ) ( 5 ) ( A ) ( i ; iii ) This has t o be remove
Product: Credit reporting or other personal consumer reports

AN ACCT IS SHOWING IN MY NAME IN CHEXSYSTEMS FOR XXXX XXXX  HOWEVER NO BRANCH IS NEAR ME AND I HAVE NO IDEA OF ACCOUNT NUMBERS UNTIL I RECEIVED CHEXSYSTEM REPORT THIS IS FRAUD AND NOT MY ACCOUNT. I HAVE PREVIOUSLY SENT FTC REPORT ALONG WITH ID AND CFPB COMPLIAINT NOW AM SUBMITTING POLICE REPORT AS REQUESTED. THE ONLY VERIFICATION THEY HAD WAS ADDRESS MATCHED THIS IS NOT SUFFICIENT INFO FOR ME PERSONALLY AND AM HOPING IT IS REMOVED ASAP!!
Product: Debt collection

I received a notification on my FICO account that I had a collection debt with a third party assignee : Jefferson Capital System for original lender XXXX XXXX XXXX XXXX for original balance of {$15000.00} which is not my account nor have I purchased any items from this creditor.
Product: Credit reporting or other personal consumer reports

Ive been struggling to switch car insurance companies because my current rates are really high. Every time I look for new coverage, Im quoted high rates due to inaccurate reports from XXXX to LexisNexis. One issue stems from a serious car accident where I was not at fault, as confirmed by the police report and other documentation. Additionally, I inquired about the cost to repair a small dent on a car I no longer own, but this was incorrectly recorded as a claim on my insurance and LexisNexis reports. I never filed a claim or pursued any repairs ; I was simply trying to gather information. Now, despite having a good driving record, I cant get a lower rate because of these erroneous reports. I have spoke to all state several times about it.
Product: Debt collection

There is a collection appearing on my credit that I do not owe and it is NOT from 2020, I have disputed with nothing provided to me. Please help
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I returned items to the merchant and used my expired debit card to process a refund of {$5000.00} on XX/XX/XXXX. The transaction was successfully processed to my card at the time with receipt ( attached ). I still have not received the funds to my bank to this date XX/XX/XXXX. 

I've disputed with both of my Bank and Merchant  through XXXX. Both sides are claiming that the other side has the funds. 

However, Merchant have provided reasoning with full transaction record. They have a record that the Bank filed a chargeback and has the fund. I've presented these information to my Bank but they are claiming no new informations.
Product: Mortgage

Email to XXXX XXXX XXXX XXXX XXXXXXXX ) Thanks XXXX. 

Hey XXXX, I'm here to point out a problem in your system/process. I and XXXX talked yesterday and discussed a rate that I liked. He promptly sent me documents ans disclosures BUT.. 


I missed a call from him, I tried calling back which went to 'agent is unavailable, pls press 1 to leave a VM '. After a couple of tries I pressed 1 and the phone kept ringing w/o any opportunity to record message. 

At that point I sent XXXX messages on text ( screenshot attached ) as a customer my assumption was signing = locking the rate. I got no reply or a call back yesterday... 


... Today after several attempts i was able to reach XXXX. He said the rates increased by .5 points and can no longer honour what we discussed yesterday. 

... He was super rude! Accused me of lying ( i don't know why ). Pls take a look and screenshot. I don't what I could have done differently as a customer. Or what you can do here. 

Best, XXXX
Product: Debt collection

In XXXX of 2019, I reviewed my XXXX credit report and it showed three medical collections from Accelerated Receivables Solution and the same information is also shown on XXXX & XXXX. So on XX/XX/2019, I sent a certified letter to Accelerated Receivables Solution requesting to validate the three collections. The company is in XXXX, NE and a part of the request from this company is do they have a license in the State of Michigan to collect this debt in addition to sending me a copy of the actual account from the creditor company. 

Today is XX/XX/2019 and have not received any written correspondence from Accelerated Receivables Solution. My disputes with this organization are the following : ( 1 ) the company did not respond to the documentation requested from myself for the company to validate that they can legally collect these medical collections : ( no validation of the actual copy of the bill and account, no information of the creditor regarding these collections, no documentation of the company proving that they can collect debts in Michigan-bond ) ( 2 ) All three medical collections on the XXXX report have the same account number with different debt amounts, ( 3 ) they did not respond to the reasonable time ( 30-35 days from receipt of the letter ) to validate that they can collect these 3 collections and the three medical collections are still showing on all three credit reports. Supportive documentation is attached to this complaint.
Product: Money transfer, virtual currency, or money service

I have had an account with Gemini since XXXX. Between XX/XX/XXXX and XX/XX/XXXX of this year, I deposited {$20000.00} via XXXX into the Gemini exchange. The money was immediately converted into XXXX upon deposit. 

On XX/XX/XXXX, after the XXXX business day hold for the first deposit was finished, I tried transferring a small amount of XXXX into another cryptocurrency exchange. I received the following error message : " Sorry, this XXXX withdrawal can not be completed at this time. Reason : Security hold. Contact XXXX '' Gemini told me to uploaded a photo of a selfie where I am holding my identification and piece of paper showing the date + my ticket ID ( XXXX ). Note that my account was fully verified in XXXX and have processed many transactions before so it is unreasonable and suspicious for Gemini to request this ( again ) now. Despite this request, I obliged and them them the documents that they needed. 

I have heard nothing back from them. I have read online about dozens of other users sharing the same experience recently. Gemini will accept unlimited deposits, but will freeze your money arbitrarily, even after providing their requested documents.
Product: Vehicle loan or lease

I got an auto loan from Bank of America for a XXXX XXXX. Acct # XXXX. This was about 3 years ago. When trying to access my account recently due to selling the car I was locked out. After many phone calls the bank notified me that my social security number on the online account system was incorrect. My SSN is used for their dual factor authentication so I had no way to access the account. The bank acknowledged that the original paper work they have on file scanned in is correct but the information was incorrectly put into their system. After acknowledging their mistake they told me that i needed to send in load of information to get this corrected and it could take a few months. Keep in mind, they HAVE the original paperwork and can see that they made a mistake. Whenever I am on the phone with them to even get simple information they ask for information on the account to " verify '' me however since I can not access the account I can not get in. They have refused to fix their error, which is completely on them, over and over. The only way I have to access my account would be to do a multi stage long process of " verifying my SSN '' which they have already on hand from the original paper work. The loan is paid off however, since I have autopay, I can not cancel it without access to my account, This means they will continue charging me until either they fix the problem, or i spend months fixing it for them and then have to wait for further reimbursement.
Product: Credit card or prepaid card

I bought items on XXXX  using the syncrony bank card. I used the 6 months /interest option. This was in XX/XX/2019. I ended up with promotional balances due in XXXX, XXXX, and XXXX. Throughout my payments they were allocatting money toward the XXXX and XXXX promo balances and overall around 600.00 was allocatted toward XXXX and XXXX instead of the XXXX balance which was due first. I started calling them in XXXX to complain and each time they said it was fixed and it would take up to 2 business cycles to correct. Now here we are and it is XXXX and my promo balance due in XXXX is almost 600 more than it should be. I have been talking to them 2 hours now and still not fixed, even though XX/XX/XXXX it was supposed to be fixed. i feel robbed am am facing major interest penalties. what can i do.