23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft. Ive sent in numerous ftc reports. 

1. XXXX XXXX which Ive never done business with or entered into a signed contract with has appeared on my credit file. This account is fraudulent. 

2. XXXX XXXX XXXX Which Ive never done business with or entered into a signed contract with has appeared on my credit file.. This account is fraudulent! 

3. XXXX XXXX. Which Ive never done business with or entered into a signed contract which has appeared on my credit file. This account is fraudulent. 
4. XXXX XXXX Which Ive never done business with or entered into a signed contract with this company. This account is fraudulent. 

5. XXXX/XXXX XXXX is also an Fraudulent account. Ive never done business with this company or did i ever enter into a signed contract.
Product: Credit reporting or other personal consumer reports

Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent ACCOUNTS and inquiries on MY XXXX credit report THE ACCOUNTS ARE un accurate And By law Under, 15 U.S Code 1681b - Permissible purposes of consumer reports IN GENERAL Subject to subsection any consumer reporting Agency By law is required to furnish this account Without proof of Written consent
Product: Debt collection

Wakefield and associates just popped up in my credit. I have no knowledge of this debt. Never received documentation about this debt to properly dispute alleged debt. I dispute this debt. Please send over any ALL ORIGINAL WET SIGNATURE DOCUMENTATION for this alleged hospital debt. PLEASE ALSO SEND YOUR CONTRACT FOR ORIGINAL CREDITOR STATING THAT I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists i sent this before and they stated i had to attach an identity theft report which now has Wakefield and associates listed since the did not comply with a federal law and remove off my credit once they were informed that this was due to identity theft and it is attached. Also did not comply with requests
Product: Mortgage

I sent payment by money gram to Carrington Mortgage services in the amount of {$1000.00} on XX/XX/XXXX. I also had a check sent from a church in the amount of {$250.00} around the same time. The company told me they never received it and asked me to send them copies of my receipt and reference number showing proof because if I sent before XX/XX/XXXX, I would not be in foreclosure status. I sent the required information and thought it was resolved. They then told me the payment was held and then returned and no-one knew what was going on. Since they told me not to make any payments and I am in foreclosure. this company needs to be investigated and prosecuted. I feel they are forcing me into foreclosure.
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 ; XXXX  HIGHR EDU XXXX ; XXXX XXXX XXXX ;
Product: Vehicle loan or lease

I bought a vehicle in XXXX. I moved to XXXX. This vehicle was financed by Citizens Bank. I have tried from the months of XXXX to XXXX of XXXX to get my bank to send my title to my local county clerk in order to transfer the vehicles registration from XXXX to XXXX 

The bank 's customer service at first sent the title to the wrong address and then failed to send it to the correct address or be helpful in any other way. The county clerk has never received the title. Calling the bank 's customer service never advances the issue or gets them to send the title to correct address or work with the county clerk. I have been hung up on multiple times.
Product: Mortgage

We are attempting to save our home. We have have had some hardships. We are currently being DUAL TRACKED. Which as we know is ILLEGAL. DUAL TRACKING is when the mortgage company is considering a modification and at the same time the house is being foreclosed on. This is so stressful. I do not want to lose my home. I do not know who to deal with. The bankruptcy lawyer or the mortgage company. I need to have the foreclosure sale date moved. Move it, stop it, give me some room to breathe and get my life in order. 

I can not believe that they are doing something that is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so surprised to see fraud misleading information in my credit report. Like I have inquires that I have never made. I do not recognize them but why do I have them? 

I feel like its a fraud and I filed identity theft report. Could you please check my credit report. For sure you will see there account and inquiries please investigate them and I hope you will remove them as soon as possible.
Product: Checking or savings account

The pnc bank in XXXX nj took my deposit of {$1500.00} which was issued by the state of nj for an anchor benefit. PNC cleared the check and made funds provided, i used partial of the funds. I deposited the check on XX/XX/XXXX check cleared XX/XX/XXXX use funds and then PNC returned the check and charged me fees and overdrawn my account. On XX/XX/XXXX I contacted customer service and spoke to XXXX she informed that the check was still pending in my account and I should call back tomorrow. Resistantly ( because how id the check clear and i access to funds if check was still pending? ) i decided to call back on XX/XX/XXXX. I called back on XX/XX/XXXX spoke to customer service first they said that the name on the check and the name on my account didnt mathc WHAT? your teller took my id took my husbands id told us to sign the check and deposit it into the account. If the name didnt match which it did why did she deposit the check? After an hour on the phone with customer service and a bunch of different reason ( like its the state of nj fault call them ( which I did ), then it was XXXX XXXX XXXX  fault to call them ( which I did ), no problems on their ends they said contact my bank. So again why did PNC bank check cleared but was took back I asked to speak to a supervisor. The supervisor name was XXXX she first stated again that its because name didnt match, here we go again ... ..then she changed her mind and stated that is was because i didnt put the account number on the back of the check?? Again, WHAT if that was the case why didnt your teller inform me to put the account number on the check... .and why would i when i used a deposit slip. So after more excuses blaming everyone else and XXXX hours and XXXX mins later. I finally asked her tell me how to you deposit a check clear the funds i use the funds and then you take it back, no complete answer just that its XXXX fault. How do you release funds to me without getting the check cleared from XXXX. I asked to speak to her manager after another XXXX mins o
Product: Money transfer, virtual currency, or money service

I made a XXXX cash deposit to my PayPal business card on XXXX store XXXX XXXXXXXX XXXX late afternoon. I gave cashier my XXXX cash and another XXXX to cover the fee. I swiped my PayPal card and transaction went through and she gave me a printed receipt and the change from the XXXX moneys did not ever show up and no transaction showed. I called store and manager was never in at the time. In needed money on card to rent a vehicle. I could not rent needed vehicle upon arrival at airport. I called PayPal and referred to call XXXX again. I made corporate claim case with XXXX. Called corporate again at later date and found they had my wrong information and reinstated the claim. I visit the XXXX store location and manager states he tried to find it three times and stated corporate called him once. I believe the cameras can be recalled as this is theft at this point. XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. My PayPal is XXXX XXXX XXXX XXXX
Product: Checking or savings account

My direct deposit was never put into my account. Ive called Wells Fargo multiple times, and each time I got a different answer as to why not. I requested them to call me back because I filed a complaint, and they have not yet, I am now being charged multiple late fees on multiple bills.
Product: Credit card or prepaid card

Citibank is ESSENTIALLY IGNORING ME. I have now 7 letters from my Electronic Bill Payment Service stating that there was an incorrect payment address. I will send that to them. They're being HUGELY negligent to my issue and have IMPACTED MY CREDIT. I need HELP ON THIS ISSUE. 
In summery- they CLOSED A PO Box WHERE I WAS MAKING MY PAYMENTS LAST YEAR, the 2nd month into the pandemic. I received notices of RETURNED PAYMENTS and fixed the address by calling CITIBANK. 
They accused my of DELINQUENT PAYMENTS and CLOSED MY ACCOUNT. 
They are in error. They will not admit it.
Product: Checking or savings account

On XX/XX/2021 I realized my tax return was being sent to the wrong bank account. My bank account ends in a 2, but the bank account I had put on the form ended with a 4. I called the bank 1st think Monday, XX/XX/2021 ( the date of the direct deposit, ) to inform them of my situation. I spoke to a manager who told me they located the direct deposit, and that they were putting a stop to it. I was told the money would be rerouted to my account in 24-48 hours. 4 days later on XX/XX/XXXX I received a notice that no action was being taken. I called the bank and was told my refund was rejected. Per the IRS website, I saw that once rejected the money would go back to the IRS and I would be sent a check. Fast forward to XX/XX/2021. The Stimulus payments were about to go out and I called the bank to give them a heads up, since the IRS is using banking information from tax returns. It was during this call I was told that my refund was NOT rejected, it was placed in someone else 's bank account. The woman I spoke to was so rude I got off the phone crying. I spoke to her manager who told me that she would do everything she could to help fix everything. I was also told that we would be getting our money, and that worst case, the bank would take a loss. We continued talking to the bank for days. They did end up sending the stimulus money back, and I received a check from the IRS. I still have received nothing for my taxes. I have called the bank multiple times and I am given different answers each time. I escalated to the regional manager who told me there was nothing they could do. The IRS told me the check should have never been accepted since it had our names on it, but the bank continues to say that refunds have no name. Fast forward yet again to XX/XX/2021. Child Tax credit payments are getting ready to be sent out. We called the bank AGAIN to let them know this payment will be going into this person 's account. We are told they will get back to us. A week later we call AGAIN. We filed a claim, the payment went into the people 's account on XX/XX/2021. I received a notice today that the claim has been rejected. Someone called and left me a voicemail on XX/XX/2021. I called back the same day and left her a voicemail and never heard from her again. It's ridiculous that we are told so many lies, no one is helping, and someone has {$6900.00} of our money in their account. And we know it's an actual bank account because one of the tellers told us it belonged to someone. Same routing number and every digit the same of the bank account number aside from the last number being a 4 while ours is a 2.
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act these accounts have violated my rights XXXX XXXX Trans union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

The whole crux of the matter is this : I was charged fees for something that should not have incurred fees. I believe in being responsible for my actions, but it goes both ways. The bank is to be held responsible as well. I was " tricked '' into thinking that my payment was made, when the bank actually had n't. 

On XXXX,XX/XX/XXXX, I deposited {$27.00} in cash into my checking account via ATM. I setup up my credit card payment ( XXXX XXXX ) to be paid the following day. It is understood that these payments take a few days to process. 

On XXXX morning (XX/XX/XXXX), I logged into my account and noticed the fee had not been taken out yet. On XXXX afternoon, I logged in, and noticed that the {$27.00} WAS NOT IN MY ACCOUNT ANY LONGER. 

At this point, I proceed to make a few small overdrafts at or under {$5.00} using my debit card, as is allowed per my overdraft choices. 

On the afternoon of XXXX,XX/XX/XXXX, I went to the ATM to deposit {$14.00}, the amount needed to bring my account over zero within the time allowed. When I looked at my receipt, I saw to my amazement that a XXXX overdraft fee was charged on XXXX  for my payment! 

I deposited the money. I setup the payment. The payment was removed. How could I be charged a fee? 

On the late afternoon of XXXX, XXXX XXXX, I put a message into the bank 's secure message center online. On XXXX,XX/XX/XXXX, I logged in to see that not only had they not responded to my message yet, but ANOTHER FEE WAS ADDED. This {$30.00} fee is for an extended overdraft situation. 
I sent an additional message about this fee. They refused to respond, for whatever reason. 

I finally called in on XXXX, XX/XX/XXXX. I spoke to a customer service representative who listened to my situation, which was an abbreviated version of the first five paragraphs above. She finally agreed to remove the first fee. I protested, because the fees were related. But for the fact I was charged the first fee, I would not have had the second fee tacked on later. I asked to be put through to speak to someone higher up. 

The supervisor/manager was very knowledgeable and professional, and made an extremely detailed explanation of the posting order of transactions. I re-explained my situation. She finally said that they only do one courtesy fee removal a year. I responded that I see both fees as bank errors, and not courtesies. I even counter-offered with them removing one as a bank error, and the other as a courtesy. She declined on behalf of Citizen 's Bank.
Product: Credit reporting or other personal consumer reports

My husband and I applied for a refinance/cash out on our mortgage. Since that time ( XX/XX/year> ) we have received over 60 phone calls, not including texts, from solicitors for financing. This has not stopped, but slowed down as I block every number that does not leave a message, which none of them do. One of the text messages had our credit card debt amount in their text. Our loan manager suggested filing with National Do Not Call, which we did. He mentioned that it reduces the calls but does not eliminate them. Obviously, our information had already been sold, but it is in place now. Our manager also informed us that a " mortgage oversight entity '' ( do not recall the name ) has been trying to have this stopped. We would like to know if there is anything being done about this. It's a complete invasion of privacy to sell information, in particular, via agencies who pride themselves on security of your information. Experian was used for our credit report by our manager 's company. To note, I'm not happy with XXXX or XXXX either, but they were not involved, to our knowledge, for this instance.
Product: Checking or savings account

They excessively charged me OD fees one after another. They closed my account at {$600.00} in OD fees.
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I made a monthly credit card payment as I usually do on XX/XX/XXXX from my Bank of America checking account to my Bank of America credit card for {$5200.00}. On XX/XX/XXXX I noticed Bank of America had refunded this payment and my credit card balance was reset back higher by {$5200.00}. On XX/XX/XXXX I called the bank and notified them that this was not a payment refund I ( or any of my authorized users ) requested and that this was likely fraud. On XX/XX/XXXX I received a letter that Bank America had gone ahead with the refund anyway and they refunded the money to a bank account I had never heard of rather than the original payment source. Since then I have contacted Bank of America over 50 times, spoken to numerous groups and associates within the company, and been on hold for hours, reputedly transferred in circles, and getting hung up on on numerous occasions trying to get the right person to talk to in order to address the issue. No one wants to take accountability or help me get to the bottom of the issue despite this clearly being an error on Bank of America 's part. I have gotten no updates since on either the investigation or where the money went. It has now been 11 days since the fraudulent transaction was reported to the company and I am still missing the {$5200.00} Bank of America allowed to be stolen out of my account.
Product: Credit reporting

I paid ALL of the open collection accounts on ALL XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX. I received notice that collection account from XX/XX/XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called all XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account.
Product: Debt collection

I HAVE CONTACTED SPEEDY CASH TO LET THEM KNOW THAT I DID NOT APPLY FOR THIS LON AND IT WAS IDENTITY THEFT A FRAUD ACCOUNT I ASKED HIM TO REMOVE IT FROM MY CREDIT REPORT AND I WAS DISPUTING IT AND THEY'RE REFUSING TO TALK TO ME AND HUNG THE PHONE UP IN MY FACE THEN IN YOUNG MAN ALSO THREATENING OF JAIL TIME IN OTHER LAWFUL PROSECUTION
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act Acceptance Now account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX  XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX account XXXX XXXX Bankruptcy Chapter XXXX account XXXX has 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
Product: Debt collection

I don't understand why BULL CITY FINANCIAL SOLUTIONS , INC is trying to collect a debt when they are not licensed and bonded in state of New York.