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

I opened an account online not realizing the bank was 3 hours from me. Well I tried to transfer my money out of the account without having to drive so far as I am pregnant. They locked my account and told me to come to a branch in person to collect my funds. Well I drove the 3 hours and they closed my account and said that the money would be sent via mail. Wel I got a letter in the mail from them saying that the funds would be sent if they dont collect them or something to that extent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX reported as fraud/ inaccuracy XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX  Inquiry : XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX  Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Reported as inaccuracy did not complete transaction *All these transactions were reported to the bureaus and I have been sending documents to get them removed however they are still on my Report. These transactions were not performed by me as I was victim of identity fraud and a lot of my Information was used unlawfully.
Product: Checking or savings account

I have recently opened a business bank checking account with Capital One. I have lost access to my funds in this account from their mobile application as well as online from my laptop. This issue has been going on for about XXXX hours since XXXX last night. I have requested access to my account over the phone and I am being told no one can access their business platform. Please help me I have vendors to pay and a company to to operate. 

Thank you! 

XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was called today by Advance America and informed that my payment had not gone through on the XXXX, the date it was scheduled to be withdrawn from my checking account, and that I needed to pay that today. It was only after I asked as to why it had not gone through that I was told of a network outage at Advance America on the date it was to be processed that caused the payments to not go through. I told them I would need to check my bank account and get back to them. I checked my bank account and there was a withdrawal, for the full payment amount, by Advance America on the XXXX. When I called back I was told and explained that, I was then informed that the treasury had begun recognizing the payments from the dates of the network outage and that they would soon be able to see if the payment had gone through or not. 

I verified several times with them that they had called me informing me my payment had not gone through, when they in fact had no idea if it had processed or not, and informed me that the payment had not gone through, and that I needed to pay my bill today. At no point before I asked was I told that there had been a network outage and that they did not know if the payment had processed or not until I began to ask questions. Just simply that my payment had not gone through ( when it had ) and that I needed to pay today.
Product: Credit card or prepaid card

I had made a payment in the amount of {$57.00} for my Kohls Bill on XX/XX/2017. Once i was finished making this payment I was asked if I wanted to make this a one time payment or if I would like to use this method as autopay to ensure I was never late on payments ; i chose to enroll in autopay. I did not pay attention to the account for a few months and then I received a letter from Kohls stating that i had missed payments for the months of XX/XX/2017 and XX/XX/2017 and incurred late fees. I explained the situation and said that I had enrolled in autopay and they apologized for the inconvenience and refunded my late fees. I paid the bill and brought my account current and then a few days later my credit score plummeted almost 100 points! Kohls reported late payments to the credit bureaus for the months of XX/XX/2017 & XX/XX/2017 to the credit bureaus as late payments even though they admitted it was probably a system error. I then spoke with a representive in their credit department and they said I needed to write a letter. I wrote a letter to the credit department about the situation and they responded by saying they would not remove the late payments that had killed my credit score even though i was enrolled in automatic payments and a system error caused these payments to not be taken from my account on file. I am very dissapointed and this error has caused higher interest rates and is causing me to have major issues in trying to obtain a home mortgage.
Product: Checking or savings account

Peoples Bank had an advertisement for a bonus for their checking account as well as a bonus for their savings account. I clicked the link for the bonus and signed up for the checking account and savings account. The terms for the checking bonus were " Get a {$300.00} bonus when you open an XXXX XXXX  Checking account when you receive qualifying direct deposits in the account totaling {$2500.00} or more within 60 days of account opening ''. The terms for the savings bonus were " Open a Savings or XXXX XXXX account & maintain a balance of at least {$10000.00} for 60 days and get an additional {$100.00} bonus ''. I opened up the XXXX XXXX checking account and met the terms for the {$300.00} bonus. I also opened up the XXXX  savings account .and met the terms for the {$100.00} bonus. I should have been paid a total of {$400.00} but I have not received any bonus payment as of now.
Product: Checking or savings account

Someone opened an online bank account through Bank of America using my social security number without my knowledge ( fraudulently ). I called Bank of America and closed the account and alerted them. I also called all credit bureaus to add an alert to my credit report that I was a victim of identity theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$6000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$3700.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed XXXX {$11000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$5000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$22000.00} XXXX  XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX  XXXX Balance Owed : {$5100.00} XXXX  XXXX XXXX Balance Owed : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5000.00} XXXX XX/XX/year>
Product: Mortgage

US Banks failure to disclose the additional Wind and Hail Insurance monthly escrow payments exceeded the income/debt ratio of 28 % for me at the time of closing. That is the ratio used by most banks for loan qualifications unless U.S. Bank has different rules. US Bank failed to disclose any Wind and Hail escrow deposit required at closing costing me an additional escrow payment of {$1700.00} 8 months after closing. Prior to closing I ask several times if the additional wind and hail policy was required by US Bank and was told by XXXX XXXX on more than one occasion that it was not required. He told me that it was not required because my home was not located in a flood zone. I am attaching an email from XXXX XXXX @ US Bank telling me that that the wind and flood insurance is not a requirement. That answer sounded reasonable, so I did not question it after that. That was the end of it as far as myself and US Bank was concerned. However, after realizing the potential risk I decided to purchase the wind and hail policy on my own. I set it up on quarterly payments to allow me time to save up for the payments. I relayed this message to XXXX and told him I would send him a copy of the policy just for the record. I was unaware that he submitted my wind and hail policy to underwriting until about a month ago when I called him and ask what was going on with my increase in payments. This has now caused me to bring into question the trust I thought I could have with US Bank and possibly their intentions to get my loan closed and on the books. I am attaching a copy of the closing statement details on my loan # XXXX. 
I attempted to resolve the shortage issue with the mortgage department but was denied and sent a letter citing a VA requirement that the funds for the additional insurance had to be held in escrow. I have included a copy of the letter. 
XXXX XXXX XXXX in the mortgage department is my only contact at U.S. Bank, he was my closing processor. I am attaching a copy of the letter denying my request to not have the wind and hail insurance to be held in escrow, signed Escrow Department. I have included a copy of the letter. 
I am an active XXXX XXXX XXXX license # XXXX in the state of North Carolina and a retired military veteran with over 22 years on XXXX XXXX. 
Your assistance in resolving this matter would be greatly appreciated. 

Encl : ( 1 ) XXXX XXXX email stating wind and hail not required Encl : ( 2 ) Closing statement page 2 from XX/XX/XXXX Encl : ( 3 ) XXXX XXXX XXXX XXXX XXXX  dated XX/XX/XXXX showing Current Payment Plan ; Quarterly Direct Encl : ( 4 ) US Bank denial letter dated XX/XX/XXXX signed escrow department Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Medical Data Systems was sent a letter asking to validate the alleged debt from Arkansas XXXX XXXX. Medical Data Systems did not adhere to the REQUIRED 180-day waiting period from when the alleged debt was supposedly acquired as outlined by law that details that it may not be reported to any credit bureau during this time. Furthermore, Medical Data Systems is in violation of HIPPA guidelines as I DID NOT consent to medical and XXXX XXXX to be shared. Lastly, Medical Data Systems did not provide an opportunity for me to ask them for validation of the alleged debt during the waiting period. 

Additionally, Medical Data Systems has been very unprofessional and believes it is being comical by signing a certified mail card " Covid-19 '' instead of the representative actually acknowledging receipt of the letter sent ( see attached ). Millions of people have been affected by this pandemic and it is no laughing matter.
Product: Debt collection

On XX/XX/XXXX, I received a notice of assignment to collection agency from Professional Account Management , LLC for {$50.00}. This is for administrative fee assessed by the New Jersey XXXX XXXX. 
Due to COVID-19, the toll plazas were closed and signs on the highway instructing drivers that tolls will be sent by mail. I have received my toll bills in mid-XXXX XXXX ( on or around XX/XX/XXXX ). I paid my toll bill online and disputed the administrative fee through their website. 
I received an email receipt for the toll payment with a note that my dispute of the administrative fees ( {$100.00}, originally round trip ) will be reviewed and I will be notified. I have never heard back by email or otherwise from the New Jersey XXXX XXXX until the collection letter from XXXX, XXXX sent to me on XX/XX/XXXX. 

I have attempted to dispute the collection with XXXX to no avail, called multiple times and it was clear that they can not be reached by phone by design. I have tried to work through the XXXX  of XXXX to get their attention and have someone reached me by phone, and they were more interested in blaming me than honestly attempt to reach me. 

On XX/XX/XXXX, I sent them a letter to dispute the charges and try to find a solution and I have yet to hear from them. They denied receiving any communication from me even though I attached a copy of the letter I sent them, which does not give me confidence that they are dealing with me with honesty and fairness. I am disputing the {$50.00} charge because I was not at fault when the New Jersey XXXX XXXX fails to send me the toll bills on time. Ultimately, I paid my toll bills but I will not give them the pleasure of acquiescing to them trying to collect through a collection agency. I was never, ever received any mail from a collection agency because I pay my bills, and my excellent credit score proves it. I simply dont want XXXX to damage it.
Product: Money transfer, virtual currency, or money service

Yes I had a Paypal account never really used it much but I filed for unemployment back in XX/XX/2020 I was approved for unemployment and back pay the only account I had at the time was Paypal no sooner then my unemployment deposited into my PayPal they permanently limited my account without notifying me I thought with them for probably a week and it was all over an address my address is different on my PayPal than it was on my unemployment I sent in all documentation that they ask for plus more also had my unemployment office on three-way verifying who it was where the money was coming from and who was going to they still kept my account on permanent limitation said it would be 180 days or less when I would be able to transfer my funds I am now past my 180 days they will not answer any questions it won't tell me anything you are not XXXX let me transfer my money or send me a check or anything I have been fighting so I can't fight no more there's almost {$19000.00} sent in my account and I've lost vehicles and everything over all this mess and I have nowhere else to turn I was told about y'all so I'm contacting y'all to see if y'all would be able to direct me in the right direction
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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: Money transfer, virtual currency, or money service

Worked with an online seller ( through XXXX ) to purchase a workout bike. 

Because of the weight of the bike ( over the XXXX limit allowed by XXXX  ), the seller requested that we compete the transaction away from XXXX and use XXXX XXXX. After signing a bill of sale form ( that I requested ), the seller and I agreed to move forward. 

On XX/XX/XXXX, The seller stated that he would go to XXXX the following day and get the item shipped to me, which I would then agree to send payment. 

Seller sends me a picture of the XXXX shipping receipt complete with the name of the bike, its dimensions and my home address ( time stamped with the day/time he responded ). He had blurred out the tracking number and stated he would feel more comfortable to provide it after I had paid. 

I requested to use a secure form of payment to send the funds. He requested XXXX, which I had use plenty of times and was attached to my Chase account ( so I assumed it was even more secure than XXXX or XXXX ). 

The XXXX payment went through and I didnt hear back from the seller. On XX/XX/XXXX and several hours into the day, I became nervous and called the XXXX XXXX in XXXX that the seller used. They had no record of the item and the name of the cashier on the receipt didnt even work there. I knew I had been scammed.
Product: Mortgage

In XXXX of XXXX, our mortgage was moved from XXXX to Shellpoint Mortgage. We have consistently paid bi-weekly since the initial creation of the loan. 

Since Shellpoint took the loan over, we are constantly informed that our Mortgage is over {$4500.00} past due, when it is not. 

We call every month to have this addressed and are told a different story each time. 

In XX/XX/XXXX, we were told that we needed to sign some forms to use a bi-weekly payment schedule. We were never told this prior. We also never received the documents. Also, we were asked to call in directly to make these payments. 

We did so going forward, every other Monday. But still the payments were not being processed correctly. 

In XX/XX/XXXX, we called in to make another payment, and also spoke to a " Support Manager ''. They stated they did see where the issues was as a payment was not posted correctly in XX/XX/XXXX. 

They sent us their email to use, but there has been no response back to us, despite numerous follow ups via the email provided.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX/XXXX, XXXX XXXX, and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB team, I requested a copy of my credit report and asked the credit bureaus to do verification on everything in my report. The credit bureaus did the verification and said that everything was accurate. 

However, I did thorough research myself and I still see the inaccuracies on my credit report even after they did that research and verification. There are so many things that are wrong including the date opened on each account. Each date is different on each bureau! This is just one issue. You will see that there are several other inaccuracies. Please remove these accounts from my report. 

Please can you explain why these bureaus are being allowed to report these inaccuracies and the CFPB just keeps closing my complaints without looking at the incorrect items on my credit report? 

I looked up the Fair Credit Reporting Act and according to the FCRA I feel that the following companies have all violated my rights : XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX. XXXX XXXX I have rights and here are the FCRA regulations : 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

I am asking you to please review these four accounts and you will see that what I am saying is true. Please help me with this and enforce the law and investigate my complaint. The bureaus keep repeating the same response ; that they have checked and its correct. If they had checked they would see the discrepancies. It is just plain wrong information that they have been reporting. 

I need your help! Please enforce the law!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have XXXX accounts that are in my name however these accounts are not mine I did not apply for these accounts
Product: Credit reporting or other personal consumer reports

After multiple attempts at a fair and accurate report I find myself here submitting yet another complaint to the CFPB regarding XXXX XXXX XXXX, Experian and XXXX reporting of an alleged debt on my credit file. 

The account has been consistently updated as charged off every month. This perpetual updating of the payment history is highly irregular and misleading. A charged-off account should not include an active payment history, as it falsely manipulates the statute of limitations. 

XXXX XXXX XXXX and the credit bureaus failure to accurately report this account has not only damaged my credit score but has also violated my rights as a consumer. Despite my repeated efforts to resolve this matter directly with XXXX, they have chosen to neglect their responsibility to investigate and correct this error.