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

I previously wrote a review on the XX/XX/XXXX and had someone reach out. Since then my situation has only become worse. After waiting 5 months for my savings ( + $ XXXX ) to be cleared due to insurance we waited for the date of money being released. On that date, I couldn't log in to my account so i went to my local chase only to find out they took it upon themselves without warning to close my account and said they would now be mailing my savings to me. I was told I would receive it within XXXX business days and we are now XXXX days with no update. They gave me a tracking number that has not been updated since the XXXX of XXXX, XXXX has been called with no further update and now Chase says we need wait even longer if we want to void the check and get a new one sent. 
This is so unprofessional, I feel as I am living a nightmare. This is my entire savings they just take their dang time getting back to me. First of all, a little communication to tell me my account was going to be closed and for a reason. Secondly, we have $ XXXX just casually being sent in the mail and my entire savings. I fell like no one truly cares and just passes me along, all i am asking for is my money back and ASAP to end this nightmare. I would love for someone to reach out and make this right. Get me a new check mailed over night so we can move on.
Product: Credit reporting, credit repair services, or other personal consumer reports

See the documents attached. 
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX
Product: Checking or savings account

MoneyLion is failing to honor a cash bonus offer, Pave the Wage Promotion. I have met all bonus requirements. Please see attached documents for terms. 

I opened a MoneyLion account with the intention of earning this bonus in midXXXX XXXX. Through their app, I opted into the bonus. I called the institution to verify that I had opted in correctly because after I had opted in through the app there was still a place to opt in, and I thought it would have disappeared. The employee I spoke with on the phone told me that they did not have the capability to tell me whether or not I had successfully opted in, and as long as I hit the opt in button on the app, I would be fine. I had done this with absolute certainty, so I felt secure enough to move on to the next requirement. My MoneyLion checking account received direct deposits of {$3500.00}, {$3200.00}, {$3200.00}, and {$3200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. 

I have talked with three different employees from the institution over more than 5 calls starting just before the final direct deposit to confirm that I have qualified for the bonus. The first employee, XXXX if I remember correctly, told me that I did not qualify because I did not opt in and did not meet the direct deposit requirement but confirmed that I did call to verify that I had opted in correctly. I find it interesting that now they have the ability to see if someone has opted in. At one point during our communication she told me she was going to have to call me back in 15 minutes or so and did not call me back for several days. During those few days I called in and spoke with two other MoneyLion employees. Both of those other employees told me something different than XXXX. During the first of the calls after speaking with XXXX, I was told that the bonus would be paid on the XXXX of XXXX. In the second call, the employee said I would not receive it until later than the XXXX. Finally, XXXX called me back to tell me that the previous two employees were wrong. She informed me that I still did not qualify, but she was working on it and would call me back. Several days later XXXX called me back again and told me that she was able to manually opt me in. She also said that bonus payments are made in batches on Mondays, and if I qualified, I would be paid next Monday, XX/XX/XXXX. Today is XX/XX/XXXX. I have not been paid. I completed all criteria weeks ago. Every time I speak with some they tell me something different.
Product: Credit card or prepaid card

Hi, In mid XXXX i bought a travel package with XXXX ( winter ski festival provider ). Due to covid 19 they had to cancel and promised me verbally and over a few emails a full refund by XX/XX/XXXX unfortunately after that timeline they totally started ignoring me and my emails, so i went ahead and disputed the XXXX charge and citi cided with them to provide a voucher instead which i have 0 use to now.
Product: Payday loan, title loan, or personal loan

I contacted Greensky on XXXX XX/XX/XXXX and provided the documentationed they requested on XXXX XX/XX/XXXX. I have not received any communication from them since then. I emailed my contact at Greensky on XXXX XX/XX/XXXX and have not received a reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

Now I am providing the documentation/proof that XXXX  XXXX XXXX and the reporting companies are complicit in reporting grossly incorrect information on my credit report. I've disputed it, filed complaints but both XXXX  and the reporting agencies have refused to investigate and correct the problem. XXXX should have this exact documentation OR, the documentation they do have is incorrect and not only do they need to correct the information but also refund the payments they never accounted for and include interest and penalty amounts for all of the time spent and damages experienced ( declined loan, credit cards cancelled ... ) due to the entry and negative affect to my credit from this over the years. 

The bottom line is they state I was 30 days late with payment in XX/XX/2016 but I was not as the documentation clearly shows. In fact, I made payments to XXXX through XXXX of that year and only in XXXX did they refund the money. Also and in reality, at the time I was trying furiously to stop these payments and they would not stop them which I should also have all of that documented so this is not an oversight, this is XXXX intentionally trying to harm my credit and thus harm me personally. Not only XXXX but also the credit agencies as well as they were informed of this issue and they chose to side with XXXX 

The attached documentation is bank statements showing the automatic payments to XXXX XXXX XXXX and then only in XXXX did they stop and refund the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX on multiple occasions Ive contacted Experian and XXXX as well I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also sent communications to their email as requested at XXXX XXXX nXXXX XXXX and XXXX. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in XXXX  only XXXX and XXXX  please investigate this read the police report and remove this from my credit reports. I called law offices at XXXX XXXX XXXX she states it should not be with them but XXXX XXXX and the process would start over I am trying to purchase a home and this is preventing my loan approval this was not me o an a victim of identity theft also the attorney office stated there is no cfpb complaint on file for XXXX to answer to but I can see in the portal on XX/XX/ it was sent and they have yet to respond
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX Former : XXXX XXXX XXXX Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XXXX XXXX XXXX  XX/XX/2022
Product: Debt collection

I hope this message finds you well. I recently discovered late payments on my mortgage account ( XXXX XXXX ) during a credit report review. I have consistently made on-time payments, and it seems there may be an error in reporting.
Product: Credit reporting or other personal consumer reports

After carefully reviewing my credit report and seeing as though my credit has been exposed through several breaches and has not been carefully reviewed for accuracy. I am not liable for the debt amount of XXXX with XXXX XXXX account number XXXX I do not have a contract with I do not have a contract with XXXX XXXX, they did not provide me with the method of verification or purchase agreement showing that this account belongs to me. According to the FCRA 15 USC 1681i. They must provide me with documentation that this debt belong to me.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX XXXX  and the transactions listed were not conducted by me. The fraudulent activities include accounts with XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX I did not authorize or initiate any of these transactions, and I have taken steps to report the identity theft to the relevant authorities. Please investigate and take the necessary actions to resolve these unauthorized activities.
Product: Debt collection

CAINE & WEINER XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Request for Debt Validation and Removal from Credit Report Account # XXXX {$290.00} Dear CAINE & WEINER I am writing to formally request the validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following information to validate this debt : The amount of the alleged debt and a detailed breakdown of how it was calculated. 
The name of the original creditor to whom the debt is owed, along with the date the debt was incurred. 
Documentation or records showing that I am legally obligated to pay this debt, including any signed agreements, contracts, or statements. 
Verification that this debt has been reported to the credit bureaus in my name and any documentation supporting the accuracy of this claim. 
As required by law, please provide this validation within 30 days of receiving this letter. If you are unable to provide the required validation within this time frame, I request that you remove the associated debt from my credit report and cease any further collection efforts. 
Furthermore, if you are unable to validate the debt as per the FCRA and FDCPA, I demand that you immediately notify the credit reporting agencies to remove this entry from my credit report. 
Please note that any failure to provide proper validation or failure to remove the debt from my credit report will be considered a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to file a dispute with the credit bureaus and consider legal action if necessary. 
I look forward to receiving your response within the legally mandated 30-day period. 
Sincerely, XXXX XXXX
Product: Debt collection

Per XXXX XXXX XXXX, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
Product: Vehicle loan or lease

I've just received my credit report and noticed unauthorized items that shouldnr be on my credit profile. These have been terrible times during this pandemic
Product: Credit reporting or other personal consumer reports

I'm feeling troubled, unhappy, and stressed regarding the developments in my credit report. There are late payment remarks on some of my accounts, even though I have consistently made timely payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered an unpaid collection of {$1200.00} on my Experian credit report. I proceeded to call the collections company listed on the credit report, XXXX XXXX ( account # XXXX ) they were of no help. I called the original creditor XXXX XXXX XXXX and discovered they had my incorrect address, date of birth and phone number. They were billing me for services rendered during an XXXX XXXX at XXXX XXXX XXXX on XX/XX/XXXX. Since they had the incorrect information form the hospital, they never billed insurance. When I called in XX/XX/XXXX, they proceeded to try and bill the insurance with the correct information that I gave them. At this time, they still refused to remove the account from collections. I have continued to contact XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX to get this matter removed from my credit report. I have disputed this situation with Experian ( 3 ) separate times. The last denial to remove this from my credit report dated XX/XX/XXXX came after I sent a letter attachment with the dispute from XXXX XXXX dated XX/XX/XXXX. In the letter they state that they have removed my account from collections and it should not be on reported any longer with any of the credit bureaus. Experian once again denied the dispute and has left this on my credit report. This situation has now gone on since XX/XX/XXXX and has affected my credit. In addition, XXXX XXXX XXXX sent me to collections with XXXX for {$7300.00}. I recieved this letter notice on XX/XX/XXXX. I have also sent a letter to this agency and XXXX XXXX XXXX XXXX requesting that the amount due should be removed. My insurance has covered cost for services rendered during this XX/XX/XXXX visit to their emergency room. This billing nightmare all started with XXXX XXXX XXXX XXXX sending a bill to me personally for {$17000.00} on XX/XX/XXXX. If XXXX XXXX had properly billed my insurance in the beginning, I believe this would not have become such a difficult process. It has been a time consuming and frustrating experience with all companies involved. XXXX has been the company to work with me to resolve this billing mess. Dealing with XXXX and XXXX are the last of the issues, I hope. I can not seem to get these accounts corrected working with any of these companies involved : Experian, XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX frustrated that Experian will automatically assume that the side of the collections agency. This situation is a good example of mis information communicated and not resolved in an effective timely manner.
Product: Credit card or prepaid card

I was affected by the Covid-19 Pandemic 2020 and I called Discover to discuss covid-19 payment options. Discover offered me a program to split my payments into {$150.00} per month until the balance was paid being that I was affected by Covid-19. I did not know my credit limit would be frozen once I started the covid payment program. I paid the balance off to {$0.00} but my available credit line is still not available. I have had no late payments since I completed the covid payment program.
Product: Money transfer, virtual currency, or money service

I purchased gift cards. google play cards and google will not redeem them. they were purchased on XX/XX/19 and XX/XX/19. google asked for more information and then did nothing. i have call, emailed and chatted with they hundreds of times and i get no help. i have invested hundreds of hours and thousands of dollars into my google account and now that is all wasted because they put in a new system to prevent scammers. i gave them all the proof they asked for to resolve the situation and nothing has been done. the only scamming i have witnessed has been done by google.
Product: Mortgage

My name is XXXX and I am an XXXX XXXX. When I lost my husband, who was my lifelong partner, I felt like I lost everything. After that, I was diagnosed with XXXX and I was in the hospital about to XXXX, because of that. reason, many debts accumulated and my savings went into medical expenses and bills. I was late on my mortgage payments and I have tried to get an affordable payment, Selene Finance approved me for a Modification to start paying in XXXX, but their terms were too exaggerated, they doubled my monthly payment and increased my interest rate, I am XXXX XXXX XXXX and I have no family or friends, I am alone in this world, due to my age and multiple XXXX caused by my age I can not work and I survive thanks to the help I get from XXXX, there was no way for me could with those terms, so I decided to take out a loan to pay everything arrears. 

On XX/XX/year>, I made the payment with the loan I made for the amount of {$30000.00}. After that it has been very difficult for me to make the payments on that loan along with the payment of my bills and my mortgage but I have managed to do it and when I was stabilizing myself financially my house XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the only thing I had left after the death of my husband, I am currently camping outside the house and covering many expenses to survive after having lost my things, so I notified the insurance and notified Selene Finance of this XXXX and requested that they They will review me for a forbearance since I can not make my payments for now and I have nowhere to go, I just realized that they denied my application to pause the payments at least while my insurance resolves the XXXX. I am devastated, I lost my objects, I lost my savings, my pets were injured, XXXX XXXX XXXX XXXX XXXX XXXX, I am sick and I am a woman who has already lost everything, please do not let me lose my home where for so many years I lived with my beloved Husband, I don't know if it's necessary for me to go to the news for Selene to listen to my request. Please CFBP help me so that Selene can know my need and can help me with a temporary forbearance so I can recover health and financially
Product: Credit card

i didnt aply for credit on a citi bank credit card, shop ur way or wayfair credit card, try to call wayfair and shop ur way, and didnt get an agent to stop the fraud.
Product: Checking or savings account

a {$25.00} returned item fee was billed to my account, but there is no associated transaction to it i have overdraft service turned off and my account was never overdrawn i read terms disclosed and didnt show anything for {$25.00} fee for ACH RETURNED ITEM i suppose the fee is regarding a failed ACH transfer, but this kind of fee is not disclosed in terms of service and dont billed by any other bank. some banks bills if accound is overdraft and some others offers to pay asap and revert overdraft fee. 

https XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I have complained about M & T bank in the past. The prior complaint number they actually RESPONDED to was # XXXX that time, my complaint was they are not enough branches to service XXXX people XXXX XXXX XXXX XXXX who live in XXXX city. It was my understanding that banks should have branches in all neighborhoods, depending on both geography and racial mix. M & T is an utter failure in this regard. 
To recap. In 2013, they closed the XXXX branch, located in Shoppers market. Shoppers had another bank, which M & T bought XXXX XXXX XXXX and within a year, they promptly closed every market branch. 
This week, we went to OUR closest branch XXXX XXXX XXXX XXXX that is accessible by car, but not by a viable bus line. That branch was closed with no warning, no signs posted, just the sign saying the branch had moved to the XXXX Road. Let me point out that location is XXXX block from the XXXX XXXX line and another branch is located XXXX, on the same street, less than XXXX miles away. 
They have also closed the XXXX branch ( all XXXX neighborhood ). 
NO ATM 's have been added in our neighborhoods that accept check deposits, in spite of their lies to the contrary back in XXXX 2013. 
I am XXXX years old, my mom is XXXX. Neither of us drive, so for them to blithely point to XXXXneighborhoods where we can do our banking is just not acceptable. Those banks are all readily accessible within a XXXX 15 minute car ride - but why do we have to leave OUR neighborhoods to find a branch? Why do we need to get a RIDE to access our bank? If you can ask them these questions, I would like to see the lies they come up with this time. 
I do n't care if they sponsored the stadium. What I want is not to spend XXXX or more HOURS to get to the bank to deposit a check. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting the documentation that experian, has on file that determine that this information is a 100 % accurate and correct. Who did you interview regarding the dispute items. Provide this information to me by email on mail within XXXX days or remove these accounts immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My email is XXXX XXXX
Product: Credit card or prepaid card

I canceled this credit card over a month ago and it was {$0.00} balance when I did but for unknown reasons they still charging me even when the card is canceled
Product: Debt collection

I received a letter from Chase receivables stating that I owed them {$59.00} for medical records that were transferred. I never authorized them to transfer anything and I never received a bill from a company called XXXX that Chase receivables says that they 're collecting for. I did a little research on line and found out that there have been many complaints and fraud charges filed against this company. Since I know nothing about the charge would have no idea what they 're charging me for I think this is for XXXX since I know nothing about the charge would have no idea what they 're charging me for I think this is for fraud.