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

I have a saving account at CHASE bank that I didn't move for about about 9 years and this is what happened when I went to get my money at the bank in XXXX XXXX, CA XXXX on XX/XX/2023 : - XXXX XXXX told me the account was closed because all money was taken from my account and also because there was some false checks deposited on that account. I asked her to help to do a claim, the claim number XXXX & after 10 days they was going to give information about the account by E-mail. 

XX/XX/XXXX I returned to see for any result since I didn't get info by E-mail. 
XXXX XXXX XXXX first told me : 1 - CHASE decided to close the account since there was no movements for 60 days 2- CHASE took the decision to closed the account because it was in XXXX  and then it was in negative around XXXX XXXX. 
3- CHASE Advised that account was going to be closed but there is no evidence of this. 
4 They give me a letter that they investigate and will not give my money back. There was about XXXX XXXX  & CHASE mentioned about XXXX XXXX  on last year.
Product: Mortgage

My loan was purchased by XXXX and is serviced by Loan Care. I have been trying for a month to get them to pay the property taxes on my property out of the escrow account. My wife and I started calling them 2 weeks before the due date. it is now 2 weeks after the due date and the matter is still being processed. Now the same thing is happening with the insurance payment. I have been on hold with them for several hours trying to resolve and there has been only obstacles and phone menu loop to dead lines. I have very little help in resolving these 2 issues with Loan Care. I have been told no supervisors available to talk. No employee numbers for customer service reps. no case numbers for complaints. At this time I know they have not paid the taxes or insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to notify the credit bureaus YET AGAIN that I was a victim of identity theft and that I want these fraudulent items that were added to my credit report as a result of thealleged identity theft removed. Credit bureaus are obligated to REMOVE any items identified in identity theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Here is the list of things I wanted to get rid of, once more. 
XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Checking or savings account

After moving to Florida for work with XXXX XXXX on the XXXX of XXXX I was staying in my employer 's hotel chain on the XXXX of XXXX, resting from a illness I had contracted and was summarily robbed of my automobile and property while I was asleep in my hotel room, the theft included most all of my Debit and Credit cards and my identification. This theft was reported to the police immediately as found in XXXX XXXX police report # XXXX. After closing every credit card and debit card I own and scrambling to recover my life I filed the proper requests within a reasonable amount of time with my bank of 15 years ( Wells Fargo ) to refund me the funds that were stolen by the thieves. 

The bank, without legal or due process, denied my claim and added injury by accusing me of insurance fraud. The bank 's claim implicitly stated that I personally knew and supplied the thieves with my PIN and with my car ( which was never recovered or located by the police ). This astounding accusation couldn't be farther from the truth. It stated explicitly that since my PIN was used in the transaction at the bank, I had to know the person that used the PIN. This worries me as it highlights a significant weakness in bank security features and this information should be made for the public to know. Furthermore, I don't understand or was never made aware of the bank 's ability to deny claims without proper review or oversight. I was never even contacted about the claim. The bank 's ability to have " knowledge '' of my personal life is fallacious at best. I was also surprised to see that the transaction was made at a branch of the bank. I would need to find out whether the bank has security cameras in its ATMs because the review process would include watching the ATM security footage, I would assume. This suggests that the bank is grossly negligent in its findings. 

I attempted to resolve the issue directly with the bank explaining that I only know ONE person in Florida and I haven't physically been here long enough for those findings to be even partially accurate. Nor have I EVER shared my PIN with anyone. The the first time I called to resolve the issue the bank " couldn't get a supervisor on the phone '', and the second time " couldn't get a supervisor on the phone '' and then just hung up the call. 

The damages the bank has caused to my life through its negligence is significant. I request that the FDIC step in and use its authority to investigate how banks assess their own claims, whether I am a victim of negligence and discrimination from my bank as claims on my account are few and far between, and why they believe its legal to self evaluate and absolve themselves of wrongdoing as they are not a legal or governing body.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Convergent Outsourcing, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Product: Consumer Loan

I have a personal loan with SoFi. On XXXX XXXX, XXXX, I made a payment to pay off this loan in full. I then cancelled the automatic direct deposit that had previously been connected to my account. Sometime after XXXX XXXX, XXXX that payment was rejected. Upon being notified that the payment was rejected, I initiated a wire ( with wire instructions provided by the customer service representative ). This wire was initiated on XXXX XXXX, XXXX. It is now XXXX XXXX and that wire has still not been applied to my account. Not only has the wire not been applied by SoFi reached into my checking account and took out a monthly payment inappropriately on XXXX XXXX. Regarding the wire not be applied - I have called or emailed almost daily about this matter. Each time, I have to speak with a different person and have to explain the scenario over again. I have had multiple people tell me that they will call me back " today '' or " tomorrow '' and I never receive a call back. I have had multiple emails to customer service not been returned. Regarding inappropriately taking almost {$400.00} from my account, the customer service representative told me that it was my responsibility to turn off my direct deposit. I was able to show him that I did indeed turn this off. This was evidenced by a XXXX XXXX payment NOT taken from my account. He then told me that he would speak with his manager about issuing a refund and would " call me back tomorrow ''. I never heard back from him.
Product: Debt collection

The bankruptcy reported on my credit file, referenced as XXXX XXXX Bankruptcy-dismissed ( Reference : XXXX ), is inaccurate and misleading. There has never been a valid case, trial, or judgment associated with this report. No judgment was rendered, indicating there was never a legitimate case. It is baffling how such erroneous information is being reported.
Product: Student loan

I would like to make an affordability complaint and refund of interest charges plus statutory interest and compensation due to these loans made available to me due to inadequate affordability assessment. 
I have only been made aware of this recently by reading on the internet web sites and I am persuing affordability complaints in the XXXX regarding my payday loans - full history is available on request. 
I was introduced to an off shore XXXX University XXXX based in the XXXX and was acceptable for a student loan through my XXXX school - office based in the USA : XXXX, Massachusetts XXXX, United States Phone : XXXX Fax : XXXX ; back in XXXX, I am not sure if this would be counted as a private student loan? 

Although I am a XXXX citizen since XXXX and resident, I had to get my cousin who is USA citizen to Co-sign for the loans x XXXX ( approx {$16000.00} x XXXX ) to pay for the education fees, which I am still currently paying off as priority, but with difficulty and do not wish to put this burden onto my cousin for falling behind on payments. 
This is causing severe financial distress and inconvenience, due to inadequate affordability checks prior to issuing the loans and also over the years this has not been checked. 
I was on forbearance for 4 years after graduating as I could not afford re payment and was unemployed during that time - XXXX - XXXX. I started repaying from around XXXX. 
No affordability checks were made prior to granting the loan, nor when I started to repay. 
The student loans were directly payable to the XXXX school from the American student loan company, so I had no access to the funds in any way to cover other educational expenses, which I had to take control of myself. 
I am also not happy with the customer service as I previously made a payment and I tried to delay it, but they banked the check, just to make me overdrawn and had to pay extra bank charges. 
Over the last 10years or so, I have been in considerable financial distress due to this and I had to take out many payday loans to cover my student loans as priority as my cousin in the USA is the co-signor and did not want it to affect their credit history, and everyday expenses. I had to continually borrow from many lenders to get by every month and deepened and spiralled into mounting debt, with financial XXXX. 
I therefore, as fair resolution, request a refund of interest charges plus accruable interest and compensation the way they have handled my loans disbursements without adequate affordability checks and credit file removed from the credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I submitted a dispute to XXXX, Experian, and XXXX regarding inaccurate information on my credit report. The disputed items are as follows : Despite my submission, XXXX, Experian, and XXXX has not adhered to the requirements of the FCRA in their handling of my dispute. 

I'm reaching out to you today because I'm really upset with XXXX, Experian, and XXXX - the three main credit reporting agencies. 

The Fair Credit Reporting Act- in a section labeled 1681i ( a ) ( 7 ) - clearly states that when a consumer like me asks about their reinvestigation process, these agencies must explain it within 15 days. But I'm still waiting for an answer from them since I made my request on [ date of request ].

There's another issue too. I've found some inaccuracies in my credit report, and I've already informed them about it. Despite this, they haven't removed the incorrect information. This goes against what's outlined in section 1681i ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

Also, they're supposed to ensure that the information they have on me is as accurate as it can be, but these mistakes keep popping up. This isn't right, and it's a violation of another part of the Act - section 1681e ( b ). 

I'm really at my wit 's end here and I'm hoping you can help me resolve this.
Product: Checking or savings account

On XX/XX/XXXX I had used MoneyLion to put a percentage of my direct deposit to a checking account with them, {$10.00} to be exact. I then tried to transfer those funds to my main checking account with XXXX XXXX and it after a day later they cancelled the transfer due to suspicious activity and are requiring multiple different documents that no other banking institutions have asked for which make me feel uncomfortable. I have tried to contact their customer support to tell them that they already have my social security number and other data about me and I can provide my ID information but theyre uncooperative and are basically forcing me to submit more documents and not working with me to get my money that I stored with them. I would just like to retrieve the money I put with them back.
Product: Debt collection

Portfolio Recovery hounded me to no end. They would call frequently over five times a day. They would call with fake names on the caller ID. They were so unprofessional that I avoided them for a long time thinking it was a scam, before I realized they were a real company. But they made me miss time at work, they made me begin to fear answering my phone because I thought it would be them again. They were literally driving me insane. I still get calls from them from time to time and they have called before XXXX XXXX. and after XXXX XXXX on multiple occasions. I don't have the logs with me now but would be willing to provide them if need be, the problem is they called under fake name so many times that I don't know which ones to include. But there is an endless log of calls from portfolio recovery to my phone. This is my work phone so I have to answer the calls or lose money, which I'm sure I have lost a job or two to them at least. I also asked to be placed on their do not call list and they laughed at me and said they don't have a do not call list. They continued to call hundreds of times after that.
Product: Money transfer, virtual currency, or money service

I upgraded my phone and tried to access my Coinbase account. I was able to sign in but there was a restriction placed on my acoiunt so I could not do any transactions. I tried to call but literally after XXXX had to go to sleep. I tried for the next 2 days to use there live agent chat and chatted via text to almost XXXX different people who kept asking to repeat what I told the prior person. I followed there instructions with a photo ID selfie verification and also changed my password. The restriction was never lifted. They asked me to do it again. I did and still no removal of the access restriction. Ive spent now over XXXX hours dealing with this and as a busy business as physician, single father of XXXX, I dont have anymore time to waste.
Product: Credit card

I applied for an XXXX XXXX XXXX XXXX in good faith and was denied. Regardless of the reason for being denied, I have a right to credit. Withholding my access to my securities is securities fraud. You are violating the EQUAL CREDIT OPPORTUNITY ACT and the CONSUMER CREDIT PROTECTION ACT. Since you are denying my credit, please retract my application.
Product: Payday loan, title loan, or personal loan

I received credit alert from XXXX for attempted installment loan inquiry by Cathay BankXXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX twice. I contacted to Cathay bank for stop inquiring the loan because I have not apply them. Cathay bank did not respond my e-mail for a month and didn't do anything. I have to place a lock my credit to XXXX by myself. Finally, agent from Cathay bank called me to identify me. It seems like another individual was trying to get a loan by using my false Id. Be aware of this id theft. It happend me three time already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Equifax earlier this month regarding an alleged bankruptcy on my credit report. According to their website an investigation was opened on XX/XX/XXXX and was closed on XX/XX/XXXX and the bankruptcy remains on my credit report. According to Equifax they verified the bankruptcy information with XXXX XXXX. This statement is as a result of an error on their part or either is an outright lie as I have documentation from XXXX XXXX stating that this information is not on file with them. If a complete investigation had been made it was not verified by XXXX XXXX. I'm including XXXX XXXX in this complaint so that they can answer clearly about whatever this potential mix could be as the paperwork that they recently sent me dated XXXX, stated that the bankruptcy was not on file with their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a dealership to purchase a car and told the dealership to only run my credit through them. Come to find out my information was spewed everywhere with a lot of hard inquiries. As well I have accounts without any knowledge and without my permission. 
XXXX. XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  FL XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX. XXXXGeorgia XXXX XXXX XXXX XXXX Georgia 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

Experian have been charging me XXXX dollars A MONTH for over a year and a half and I never signed up for any of that rubbish.
Product: Debt collection

Debt collection placed on my credit report with all XXXX credit reporting agencies. The debt does not belong to me. I have been a victim of identity theft for a number of years. 

I received an alert from XXXX XXXX and XXXX that a collection had been placed on my credit report. I have no knowledge of the account. 

Paramount Recovery XX/XX/2023 {$1400.00} Collections placed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is relatively simple. I have a few student loans on my credit that are not valid. First there is a loan on my credit that shows a balance of {$63000.00}. This loan is from XXXX University and is a federal student loan. Recently, on XX/XX/22, a new law agreement settlement came into play under Sweet v. Cardona. The Department of Education identified as having evidence of misleading job prospects, employment opportunities, and even how much students would earn after graduating. Former students of those schools who applied for debt relief are entitled to full loan forgiveness under the settlement, including reimbursement of payments they have already made to their lender. The XXXX XXXX. This CASE PRECEDANT, exclaims that I am eligible for full student loan forgiveness for the schools i went to, both XXXX University and XXXX XXXX. I have disputed this information numerous times and any denial is a direct violation of law. Stop playing with me, or you will get sued. I am not liable for the {$63000.00} federal student loan XXXX XXXX University ) on my credit from the Dept of EDUXXXX nor am i responsible for the {$3100.00} US Dept of EDUXXXX XXXX XXXX XXXX XXXX ), as expressively stated in the case precedent. The proof can be found here XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER THIS SETTLEMENT I AM FULLY ENTITLED TO THE ENTIRE LOAN BEING RELIEFED AND ANY PAYMENTS MADE ON THE LOAN ARE DUE BACK TO ME. THIS IS THE LAW, YOU MUST ABIDE, THERE IS NO LAW OR SETTLEMENT STATING OTHERWISE. I WILL UNDER NO CIRCUMSTANCE TAKE NO FOR AN ANSWER. YOU WILL ABIDE BY THE LAW OR I WILL FORCE YOU TO BY MEANS OF A LAWSUIT. 

I AM NOT RESPONSIBLE FOR ANY STUDENT LOAN DEBT. THE LAW FORGIVES THIS. 

I DO NOT OWE ANY OTHER THE DEPARTMENT OF EDU LOANS ON MY CREDIT, ALL LOANS HAVE BEEN FULLY FORGIVEN AS THE SCHOOLS HAVE BEEN FOUND TO BE FRAUDS. THE MULTI XXXX DOLLAR SETTLEMENT IN SWEET V. CARDONA ALSO BACKS MY CLAIM. THERE IS XXXX REASON TO DENY THIS CLAIM. CONTINUED DENIALS WILL RESULT IN AN IMMEDIATE LAWSUIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has yet to respond
Product: Credit card or prepaid card

This complaint is in regard to a previous complaint I filed almost a month ago. Complaint ID XXXX. I was disputing a chargeback, and in their own words after closing the case ... " We've decided to permanently credit your account for the full amount of the disputed transaction, as well as any associated fees and interest '' I was very happy with the outcome. Now ... fast forward one week later after receiving that letter from Capital One. I was suddenly hit with a " Transaction Rebill '' for the same amount that they stated on letter " to permanently credit '' After spending countless hours trying to fix a crediting issue that an employee made, to getting rebilled for something they stated will be a permanent credit. I am ready to cut all ties with Capital One after this issue.
Product: Credit card

I did a balance transfer of roughly {$6100.00} debt from my XXXX credit account to Citi bank around XXXX of XXXX. Citi bank sent a check to the wrong account and I know have been paying interest and payments on the same debt twice ever since. I have made multiple phone calls to both banks and they keep making promises but not calling me back or fixing anything. They have done multiple investigations but keep closing the investigation with the same results telling me heres evidence that the check was sent to XXXX which is irrelevant to the fact that it was sent to the wrong account. The account number is not even close to my account number and I feel basic security like verifying social security and birthday should be done in the first place before sending that much money to anyone. I have spoken with many managers and they keep telling me they will put notes in the system and escalate the issue but everytime I end up waiting about two weeks, calling back and have to start explaining it all over again. I feel at this point they will keep me running around forever without ever solving the issue. This money means nothing to those giant banks but it has been a horrible stress for me for months and I dont see why it is my responsibility to keep pushing and calling to have it fixed. Costumer service should have corrected this instantly there is no way that it is legal that I now have to pay the same debt twice for no reason at all and my money was sent somewhere completely random.
Product: Credit card or prepaid card

The late history should not be showing late because I think I paid on time. Please take your time to review this charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Act XXXX Account # XXXX h

as violated my rights. 15 U.S.C. 1681 Section 602 A. states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX 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 XXXXXXXX XXXX / XXXX XXXX/ XXXX XXXX XXXX/
Product: Vehicle loan or lease

I am a former Well Fargo Dealer Services Customer. I have had my loan with them for 5 years without a problem. However, in 2016, I had auto insurance added to my car loan balance. I paid directly from my bank account the same amount for 5 years. I then began to get late payment notices and they began to add to late payments to my credit record. I contacted Well Fargo. I requested an investigation and I contacted the individual credit bureaus. I finally gave up as I only had a few thousand more to pay. The negative reporting of late payments tanked my score. I did not want the insurance and never requested the insurance. All of a sudden, I had unwanted insurance and bad credit.