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

I was not able to access my online banking so I called Citibank XXXX. The directed me to fraud account. They told me I can not have any access to me access and that they would send me a letter in XXXX to XXXX  days.
Product: Credit reporting or other personal consumer reports

I have in the past months attempted to reach out Experian in hopes of getting these inaccurate inquiries removed - and their representative has responded that they will be removed yet to this day, they appear in my credit report and it is damaging my scores in ways you can not imagine.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later then 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Debt collection

I noticed several things on my credit report have been documented incorrectly by all the reporting agencies. According to the law, before any information inserted on my consumer report, it should be accurate. Pursuant to 15 USC 1681b ( a ) 2, it states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. This has not been done. According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear
Product: Money transfer, virtual currency, or money service

The transaction history starts in XX/XX/XXXX, I notices a transaction I didnt approve of in the amount of XXXX from chat. XXXX. On XX/XX/XXXX at XXXXXXXX XXXX 
Then continues transaction deductions from XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These transactions kept showing up in my history without my authorization even after replacing my current debit card. These transactions still happen as of today XXXX XXXX. There was a loss and a multiple breeches in my account that was never resolved. Multiple fraud attempts and success, late fees had been charged to the account also. Lost money paying for credit monitoring with this account. Almost XXXX dollars worth of transaction breeches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I h ad two studen t loans from  XXXX   XXXX  which were serviced by  XXXX . In  XXXX   XXXX  i filed chapter  XXXX  bankruptcy receiving a discharge in  XXXX   XXXX . From that point forward,  XXXX  has made a breve of errors in reporting both student loans incorrectly. I have made ove r 15 disputes fr om contacting them directly and filing disputes through each credit reporting agency. However the problem continued to persist. I have been extremely clear in the accuracy of reporting these items and provided  XXXX   XXXX  guidelines when disputing.     I am aware that the student loans were not dischargable in my bankruptcy but my complaint is based on t he Credit Reporting.       XXXX , and each bureau, have violated Fair Credit Reporting Act,  US Bankruptcy Code, Fair Debt Collections Practices Act and state law in California called the Rosenthal Act by failing to appropriately report AND investigate my complaint . By  XXXX  continuing to report my balance as charged off and not included in the bankruptcy, they effectively reported my tradeline incorrectly.     Furthermore, I continued to pay my loans as best as I could and in  XXXX  I settled both loans with  XXXX  by offering a payment amount less than the full balance, whereby they accepted both offers. Both payments were issued and the debt had been settled, however, these trade lines continued to show the account being Charged off with a balance.     After 6 months of additiona disputes and conversations,  XXXX  indicated they would revise their reporting to indicate my balance owed as {$0.00}, and contain comment/remark to state the " acct settle for less then full balance '' The tradelines as of today, continue to report Incorrectly and have been damaging my credit. Federal law poses insurmountable hurdles to bring  a private Right of action  for these continued violations whereby creditors would be statutorly fined at least {$1000.00} per month each tradeline failed to be cor correct after notice. Therefore, the Government has placed a protective shield around these servicers whom continuously violate my consumer rights.     Over 2 years since I 've settled and paid for these loans,  XXXX  continues to damage my credit because they simply refuse too.     Please get this corrected and allow me to sue  XXXX  for its willful behavior.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I changed my lease by trading in my XXXX XXXX XXXXXXXX for a XXXX XXXX XXXX with the pull forward option Kia was offering. The sales rep stated that in order to take advantage of this deal I had to make 4 payments on the XXXX lease and I would qualify for NO down or deposit on the new XXXX lease. I made sure to make the 4 payments required as I only needed 8 payments to finish my XXXX lease contract. Which then the sale rep stated that they would take care of the last 4 payments. At this moment XXXX XXXX has yet to make the last 4 payments that was agreed upon when turning in the XXXX Kia lease and leasing a new Kia with them. As a result of their false promise I find myself being affected as well as my credit has taken a plunge due to their lack of professionalism and not following through with what was agreed. To include I am being charged {$260.00} disposition fee when I faithfully stayed with XXXX and leased my new XXXX XXXX the same day as I returned the XXXX. 

Attached you will find the paper work from XXXX XXXX when my tag was transferred from the XXXX to the XXXXXXXX XXXX. I request the {$400.00} disposition fee to me removed being that I stayed with Kia. I request the XXXX to be removed I did in fact return the car the same day and terminated my lease under the push forward program. 

In the attached paper you will see email traffic from the dealership manager accepting fault additionally you will see email traffic with KIA Motors XXXX stating they can no fix the issue due to the dealer being sold to new management and not being able to verify the information. 

Ive attempted correcting this information through all avenues. I am not being heard and my evidence is not being viewed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one and 14 hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Around Covid 19 when things started to get bad for Americans XXXX XXXX offered limited to no help before throwing you out to credit bureau along with XXXX XXXX interest continued to grow and the only offers was repossession and a hit to your credit now understanding most definitely that company and businesses need their money as well but my god these companies waste no time then send incorrect information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> & XX/XX/year>, a hacker hacked my XXXX account which included a business page. I am a XXXX and associated with that page, I had a credit card/XXXX  account to pay for boosting info that I placed from time to time regarding my XXXX XXXX  business. The hacker changed my industry from XXXX XXXX to beauty and cosmetics, and charged my XXXX account {$250.00} running cosmetic ads. This same hacker changed my email address and phone number disallowing me access to my own account. XXXX has since disabled the account claiming that inappropriate ads were placed by someone identified as : XXXX. XXXX provides no avenue for a victim of fraud to reach out and rectify the scenario. I have tried many, many times to find someone associated with XXXX, META, and XXXX to help me.
Product: Checking or savings account

Old National Bank has just been dropping the ball all around. No customer service ( they even got rid of the email submission form on all digital platforms including their app ), have " lost '' my paycheck multiple times, have credited and uncredited my account multiple times well outside of what actually credits/debits I have done & kept track of, zero accountability to their own mistakes and their customer service people keep trying to tell me what is amd isn't with my account despite screenshots of their issues. Truly now have zero faith and zero trust with a bank I once had a long term relationship with that worked well ( First Midwest ) and have yet to close my account because of how up in the air their service has been.
Product: Credit reporting or other personal consumer reports

I have a " Security Freeze in Place '' on my credit. However, equifax allowed a " hard inquiry '' from " Equifax XXXX XXXX XXXX XXXX XXXX XXXX 

More details : EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ASKING I have not authorized this inquiry or any other recent inquiries. When I disputed the inquiry, they said it was it was a " legitimate inquiry. ''
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX PayPal put a hold on our account. There was no prior notification, I just logged in the hold was there. There was around XXXX  in the account that I needed to transfer over into our business account. These funds were partially to be used for payroll on XX/XX/XXXX. I ended up borrowing to meet my payroll as these funds were not made available until after that date. I complained to the XXXX and to PayPal and explained that they were failing in their fiduciary responsibilities as a payment processor for our business. We have used PayPal for our business since XXXX. We have had XXXX chargebacks in all of that time. Both times were to XXXX a XXXX management company. They pay their invoice with a virtual card and we refund them XXXX XXXX of the invoice ( before sales tax ). A different employee processed the payment and forgot to process the refund. I finally got access to those funds from XXXX and we have been working on finding a different processor. We actually have XXXX, but were not going to make the switch until a later date. 

Today, XX/XX/XXXX I logged on and my account is again flagged and again I am being asked to provide information on my business. I just did this XXXX months ago and now my money is held up by them. If you go to their XXXX page, you'll see numerous complaints about having the same problems. It seems as if PayPal is randomly holding business money. I called and spoke to a manager who said they couldn't do anything and the only way to receive my funds was to send the requested information. They are requesting invoices for certain charges, which is an simple matter. However, they also want receipts for each item on the invoice ( we are an automotive repair shop ). On one invoice I couldn't send all receipts for items billed because they only allow XXXX uploads and I had more than that.

I again have payroll next XXXX and can not access my funds. 
I have had scam invoices sent to my business and PayPal says they are aware and can't remove it, but they can keep me from accessing my own funds for days, without explanation. The manager I spoke with said they understood my frustration since its only been XXXX months, but they could not override and allow me access I had to provide the requested information. 

It is frustrating to say the least that this company says they support small businesses, yet make it more difficult to access funds our business has already earned! These funds were paid to MY shop for work we have done. PayPal is simply the processor who gets a percentage of those payments for processing the cards for us, yet they keep doing this.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$15000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX   XXXX {$980.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$0.00} XXXX  XXXX {$200.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX   XXXX {$0.00}
Product: Checking or savings account

On Monday, XX/XX/XXXX I deposited a refund check issued by the IRS into my account at Wells Fargo in XXXX, NV. On Tuesday morning, XX/XX/XXXX I was notified by Wells Fargo that my account was frozen and it would be closed on XX/XX/XXXX or before due to suspicious activity. On the morning of XX/XX/XXXX I reached out to Wells Fargo fraud department and asked what the issue was, and why my account was frozen. The customer service representative that I spoke to said that I needed to go in to verify my identity in order to unfreeze my account. About an hour later, I went down to my local Wells Fargo bank, which is located on XXXX XXXX in XXXX, Nevada, and spoke to a representative there by the name of XXXX XXXX. He contacted the fraud department while I was there, and asked exactly what was needed to verify my identity. They wanted my social security card, proof of residency, drivers license, and phone bill. The banker submitted all of the documentation that they had asked for. Once the banker submitted all of these documents the fraud department asked for they still would not unfreeze my account and are accusing me of depositing a fraudulent check that does not belong to me and are also stating that they receive confirmation from the IRS that the check is not mine. I called the fraud department again on Tuesday, XX/XX/XXXX and ask them again what do you need to be sufficient information for me to provide that connects me to the IRS check They stated I needed to provide something that had the same address as the irs check. On Thursday, XX/XX/XXXX I proceeded to go back to my local Wells Fargo here in XXXX Nevada and provided them with more pieces of mail that had my name and address Linking me to the same address that is on the IRS check that was sent to me by the treasury department. Now today they are telling me that they are still not unfreeze my account which is XX/XX/XXXX and there is nothing that I could do because I am committing fraud. I called the fraud department at the IRS and spoke to a representative and her herself said that they did issue the check to me XXXX XXXX in the amount of {$8300.00}. Wells Fargo is trying to keep my IRS check and also accuse me of fraud which is not true and whenever Wells Fargo has asked for any information I have been able to provide it immediately. They are refusing to honor the check or release it back to me even though I have provided all necessary documentation that was asked of me. I am XXXX XXXX the irs check was issued to me nobody else and they are violating my rights by holding my money without valid reason and unfounded accusations.
Product: Checking or savings account

Summary USAA closed down two of our accounts without our consent. They sent the proceeds to the wrong address. They put a stop on the first two checks and tried to reissue those checks and send them to the correct address. There is a flaw in the their corporate check issuing department and they don't know where the checks are or if they have actually been issued. We have not had access to our money ( {$9400.00} ) for over four weeks now and do not know if we will ever get the money back. The checking account had {$5300.00} when it was closed. I was able to open an account at USAA because my father is an XXXX veteran. 

Long Version My daughter has been living abroad for the last year. She called USAA before she left in XXXX to change the address on her checking account to her new apartment in XXXX, XXXX. When she finished her degree and was about to move back, she called USAA to change the checking account address back to our home address. The person who recorded the address change was not paying attention and entered the wrong address. Unfortunately he also changed the address for the savings account as well which he was not supposed to do. 

We had neglected to sign some form so USAA closed these two accounts without our knowledge so on XX/XX/XXXX. The proceeds from those accounts total {$9400.00}. We did know this had happened because the bank statements were sent to the wrong address. The person who lived at the other address brought one of the bank statements over a few weeks later. By this time USAA had mailed checks totaling over {$9400.00} to the wrong address. We never received these checks - I believe they were returned to USAA. 

We called USAA as soon as we realized the address was wrong - that is when we found out that the accounts had been closed and the proceeds sent to the wrong address. We asked that the address be corrected and the checks sent to the new address. My daughter called back was assured this would happen. We called the next day and were told that someone would call us back with the XXXX tracking number. After no one called us back we tried again and were told the same story. When I called again, I was told that we had been sent a cashier 's check and that if it was lost we would not be able to get a new check for six months. And that was only if no one else had cashed it. Every time we call, we are told the check is in the mail ; USAA will call back the next day with the tracking number. No one ever calls us back and we call USAA again to start the whole process over again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax let itself get hacked then waited two months to reveal this fact.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX. I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to Transunion, XXXX and XXXX   credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.
Product: Mortgage

I requested to see the ORIGINAL NOTE that I signed to validate this debt with Specialized Loan Servicing LLC. They informed me that they only serviced the note. This is not going to work! IMMEDIATELY show me my ORIGINAL NOTE OR FULLY REFUND MY MONEY!
Product: Mortgage

I received a response from Chicago Title and did not receive what I requested. Chicago Title sent me back a copy of the mortgage I picked up from the Chicago Title XXXX N.J. Office. The title policy legal description is no where near the same as the deed location. I HAVE REQUESTED AND NEED A COPY OF A VALID CHICAGO TITLE POLICY THAT IS INSURED BY CHICAGO TITLE. I certainly don't need a copy of what I had emailed them from the beginning.

Please send me the Title Policy that is insured by Chicago Title for XXXX XXXX XXXX XXXX, N.J. XXXX
Product: Debt collection

XX/XX/2022 Alliance One in XXXX XXXX Washington posted a {$280.00} debit to my checking account at XXXX XXXX XXXX XXXX and I am not a client if theirs in any way, I do not owe any collections to this company or any other nor have I. I also have never received any form of communication from this company ever and somebody has used my info to pay their collection agency debts and I have no idea who that would be as I am a widow with no obligations. I contacted this company in XX/XX/2022 and they would not let me speak to a supervisor nor the fraud department ( said they dont have a fraud department or any attorneys I could speak to ) and they wouldnt help me at all without me giving them the last 4 of my social security number and the last 4 of my debit card and I absolutely declined to offer my personal information. I did however offer my name and address and they refused. I dont even know if whomever fraudulently used my info used my ( stolen ) card number info or used a ( stolen ) check or made a fraudulent transfer using my ( stolen ) info or if its a hacking, so I refuse to give them my personal info. Please help I am on a fixed income and these people are stealing money from people that are not affiliated with them in any way. Again I am not a client of theirs or any collection agency and have never been. Also checked all three credit reporting agencies and this company nor any collections companies are on my credit. I have excellent credit and it must stay that way. Ive contacted my credit union fraud department, the XXXX  and now I will be contacting the attorneys general in both Oklahoma and Washington state and I am filing a police report and am considering hiring an attorney.
Product: Debt collection

Per law, XXXX XXXX XXXX ( c ), if a consumer notifies a debt collector that the consumers refuses to pay a debt the debt collector must cease all communications, this includes debt being reported to credit agencies. I have sent this company a cease and desist and the company has refused adhere to the federal guidelines by ignoring my request in my attempts to resolve this matter. The company has also been found to impose as a collection agency when it is listed that this company is not legally blinded and or insured to collect in the state of XXXX Credit bureaus have all been notified as well and has refused to cease collection reporting for said accounts advised. Please have the company crease all collection activities as this is my final attempt to complain outside of court.