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

I am filing this complaint because both mine, and my husbands accounts, have been defrauded by US Bank. 

We both signed up for the US Bank Savings Accounts under the offer that if we maintained a balance of {$3000.00} for 90 days, we would get {$600.00}.

We met all the requirements, except for how we funded our account. We were unable to fund the account due to titling on our accounts, and were instructed by a US Bank Employee to fund our accounts in an alternative method. 

Therefore, US Bank deliberately defrauded us out of the Savings Bonus totaling {$1200.00}. 

We have already submitted a CFPB complaint on this, but US Bank responded incorrectly in reference to an entirely different account. These are the business SAVINGS accounts.

We have met all the requirements and done everything asked of us, we just want US Bank to uphold their end of the agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

`In accordance to the Fair credit reporting act this creditor XXXX XXXX  and XXXX XX/XX/XXXX  has violated my rights. 15 U.S.C. 1681b sec.602 I have a right to privacy. 15 U.S.C. 1681 Sec. 604 ( A ) sec. 2 a consumer reporting agency can not furnish an account without my written permission. 15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpse.
Product: Credit reporting or other personal consumer reports

Unable to access my credit report to apply for credit. 
This has been an ongoing problem for 9 years now. 
They keep blaming technical issues but its clear that is not the issue they have some sort of block or something withholding my credit score from me being able to freely use it. On XX/XX/year> I once again applied and was told that my credit score was unavailable/froze after I logged in 3 separate times to unfreeze my score to be viewed by XXXX I was told they received my application within 3 minutes I received an email from XXXX stating they needed more information after clicking the link it took me back to resubmitting my credit report which still shows as locked in XXXX system after I unlocked it multiple times
Product: Checking or savings account

On XX/XX/2022 I deposited a check through the application of my Chase bank, The check was sent by the State of New Jersey and the check was already charged to the sender by the chase bank and Chase has held my deposit for 8 days Without giving me any explanation, I call Chase customer service and they do not have representatives available who speak my XXXX language. I try to speak the little English that I speak and they do not have an answer to my questions and what they do is cut the call. This is an abuse. Chase 's constant towards clients who don't speak much English is discrimination that Chase has I am XXXX and I receive my Social Security and SSI benefits to that account and Chase treats clients who don't speak English as if they were animals and the government has to do something to stop this chase abuse against its clients that we speak XXXX. Thank you very much.
Product: Student loan

I am having trouble making my payments which is {$88.00} a month so I called Navient the servicer my previous company XXXX XXXX sold my loan to so I could ask for some kind of forbearance for a few months so it wo n't affect my credit and they refused to give me a forbearance unless I gave them a payment of {$50.00}. The point is that I did n't have the money and the reason I 'm called to ask for the forbearance because if I did I would have just made my regular payment. My payment was due yesterday XXXX and I tried reaching out to them today XXXX but kept getting the run around and was on hold for at least an hour and a half.
Product: Credit card

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account. 
I moved to XXXX XXXX on XXXX XXXX with an XXXX XXXX  from my company, after XXXX  months I find out someone was using my information to open credit cards under my name. Since I'm not a XXXX XXXX XXXX XXXX, I have submitted the information on my XXXX form which verifies I wasn't on the country when the credit card was opened. 
Currently, I'm not even living on the address registered under the credit card.
Product: Debt collection

I am being sued by Johnson Mark LLC who claims they are working on behalf of XXXX XXXX. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with Johnson Mark claiming to represent XXXX XXXX on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against XXXX XXXX, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX O You are in Direct Violation Of The Fair Credit Reporting Act ( RentreCoverySoulutions ), Has violated several of my rights. 15U.S.C 1681 Section 2 ; It states a consumer reporting agency can not furnish an account without my written instructions. 15U.S.C 1666B ; A creditor may not treat a payment on a credit card plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to investigate my disputes regarding inaccuracies in my credit report properly. Despite my submissions, Experian consistently responds within 24 hours, stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5535 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : XXXX XXXX, XXXX XXXX, XXXX
Product: Checking or savings account

On XX/XX/2022, I requested a payment through the Wells Fargo bill payment. The funds cleared my account on XX/XX/2022. The check arrived at the recipient 's address on XX/XX/2022. Other checks were included in the envelope that were dated up to as late as XX/XX/XXXX. Wells Fargo did not send my payment per their own published timelines and held it and batch mailed with other checks fully taking advantage of my money from XX/XX/XXXX ( when funds left my account ) until XX/XX/XXXX, when the recipient received the check.
Product: Debt collection

A person called me from phone # XXXX XXXX XXXX, and previously left a message saying the call was from XXXX Court. XXXX XXXX, said she was the assistant to Attorney XXXX at XXXX, NM court. She was calling about a judgment against me. She putt me on hold to talk to Mr XXXX several times and told me the {$25000.00} judgment against me could be settled by paying 4 payments for XXXX, or 1 payment of XXXX I informed her i am on XXXX since my XXXX XXXX and i make {$190.00} per month and do not have assets equaling XXXX nor do i even make that in 1 year, much less XXXX per year. She said if i do not make a payment today, they will enforce the judgment against me for XXXX She had stated thecredit card was Wells Fargo and they had brought charges against me inn XXXX county,  NM. I told her i would call her back. Then called the XXXX courthouse in New Mexico and spoke to my friend that works at a law office, she also called the XXXX courthouse, they said no one with the name XXXX XXXX, nor Judge XXXX works at or for their courthouse ore court system. I did NOT call XXXX XXXX back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 I moved out of the XXXX XXXX XXXX Which was my lease and date keys and all fees was paid and turned in to the manager XXXX Note this is on my credit which makes no since
Product: Checking or savings account

I have been trying for over a month with my wife to open an account for our son with XXXX XXXX   so that his SSI checks can be deposited.

We have submitted information, personal information, such as the award letter and an application with no phone call from the department only an email asking for information like where my son works ( he is XXXX! ). 

We have called multiple times and also tried online chat but no one can give us answers. We provided the information needed and they are asking things like where we want the account funded from, we have several accounts with USAA and our HOI and Auto Ins as well as life and a personal insurance policy, I mean we are not known to USAA?? Or valued enough for someone to pick up the phone? 

We are told that the department that handles representative payee checking accounts does not " take calls '' but the department who is trying to figure out the issues can not see our documents we sent. 

How do we do business like this??????????????? 

Its not acceptable or fair to our son ( XXXX XXXX XXXX ) to be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I would like to confirm the payment history and status of the account : XXXXXXXX XXXX Balance {$3400.00}. As I believe this account is reporting inaccurate information. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation of this account and update for legal and lawful accuracy. Please investigate the way this account : XXXX XXXX XXXX  Balance {$410.00} ; reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy.
Product: Student loan

I had made a payment of almost {$3000.00} in XXXX XXXX to pay me up thru the end of the year. Received a bill in XXXX XXXX. I called Navient and asked why I was receiving a bill when I had paid in XXXX for the rest of the year. The Rep stated that only paid me up thru 6 months. I told her that was incorrect and also pointed out that if it was to cover 6 months, it would have also covered XXXX payment in full. She then stated that we I had a variable rate, so the amount paid in XXXX was not enough to cover. I then stated that I was not aware I had a variable rate loan and asked that a copy of my contract be sent to me. A week later, I received a typed letter stating I had a variable rate and my rates can increase monthly but no more than once a month. Still have not received a co py of my contract. I have also requested the payoff amount in writing and still have not received.
Product: Mortgage

1. I have a mortgage starting from XX/XX/XXXX served by XXXX XXXX XXXX ( XXXX ) and I have paid twice through the mail but I did not receive any confirmation. I try to log in to my account to see my information ( my remaining loan and all the payments I have made ), but the reference number they gave to me is wrong and I can not log in at all. I called them and every time they said they will solve but nothing happened. 
2. On XX/XX/XXXX, I got an email saying that my mortgage has been transferred to the Shellpoint Mortgage Servicing XXXX http : //www.shellpointmtg.com ) and they also gave me a new reference number to access my account. I still can not use this reference number and my SSN to access my account on their website. I called them many times and they did nothing but perfunctory. I have no other ways. 

It is our right to receive the confirmation of our payment and check how many loans are remained to pay. I need to know the details of my payment and mortgage progress. I even can not pay online. Thank you very much if you could help me. 
My name is XXXX XXXX. My property address for the mortgage is XXXX, XXXX XXXX XXXX, XXXX, XXXX, VA.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this complaint today as a follow-up to my last complaint dated XX/XX/XXXX. This is to ensure that the upcoming update I am scheduled to receive within the next 15 days will reflect an updated credit report with a clean slate, free from inaccurate personal information and unauthorized inquiries. I am reattaching my FTC report # XXXX for your reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EXPERIAN 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
Product: Student loan

My federal student loans service released from Great Lakes  to Nelnet in XXXX. I have received only 1 email from Nelnet to advise me of the transfer. No letters. I have been trying since XX/XX/XXXX to access the nelnet site to review the information and the debt amount now serviced by nelnet and can not access the site. I keep emailing and trying to call nelnet to tell them that I can not access my loan account to no avail. I believe my loan is eligible for additional months/ payment being credited to my loans- and want to know how close I am to being to the 25 years of repayment. How do I find this information out sonXXXX know how many more years I have to pay under my current IDR plan? I also need confirmation that my payments when they start in XXXX will still be around $ XXXX month which is what I agreed to in XX/XX/XXXX when I refinanced my loans and co silicates under the federal program. I have been making payments on my loans since XXXX, if not earlier and think I am closer to the 25 years of repayment period but dont know exactly wheee I am at. I want to know how many More years do I have to make payments under my IDR plan. Also need to have access to the nelnet site. Its ridiculous to transfer these loans and then not have the capability to allow borrowers to access their loans and ask questions about the loan, including verifying the debt amount owed.
Product: Vehicle loan or lease

I had a vehicle loan from XXXX XXXX XXXX. The vehicle was involved in a flood. The vehicle was totaled by the insurance company. I was fully covered including GAP insurance. The GAP insurance paid the loan in total. XXXX placed two late payments on my credit report. I have disputed with the company and through the major credit bureaus. I have been unable to have the information removed. I never had any late payments on this vehicle.
Product: Mortgage

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX REF : XXXX  # XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Representative, I am reaching out because I need some sort of assistance from the Consumer Financial Protection Bureau concerning my dispute with Specialized Loan Servicing, ( XXXX ). XXXX has consistently demonstrated to be a corrupt, dishonest, deceptive, and irresponsible entity. XXXX engages in deceptive tactics to purposely and intentionally create accounting errors to allege escrow account shortages by making illegitimate payments to the wrong County Appraisal Tax Authorities. This deceptive scheme serves its purpose to extract additional funds from its customers and consumers as well as to promote confusion. 

Background of my dispute In XX/XX/XXXX, XXXX issued XXXX checks for property taxes and MUD water district taxes in the following amounts : {$3900.00} and {$1800.00} to the wrong XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, XXXX claimed to be issued a payment to XXXX XXXX XXXX for {$2400.00}. However, in XX/XX/XXXX, XXXX days later, I contacted XXXX XXXX XXXX XXXX to inquire about this XX/XX/XXXX payment, but XXXX XXXX XXXX could not locate it, which I provided the account payment history given to me by XXXX XXXX. 
In XX/XX/XXXX, I wrote a letter to XXXX requesting a copy of the tax notice and a copy of the check. So, XXXX plus days later, XXXX seems to be reluctant to provide any evidence of this XX/XX/XXXX payment made to XXXX XXXX XXXX XXXX 



I am getting frustrated by SLS incompetence, dishonesty, its deceptive practices, and sloppiness. Therefore, I would really appreciate it if the Consumer Financial Protection Bureau helps me find an amicable solution by submitting this dispute to mediation. 

I am a XXXX XXXX, and I am getting sick and tired of discovering errors, and all these illegitimate payments made from my mortgage escrow account. Also, it is getting exhausting dealing with this corrupt, dishonest, deceptive, and irresponsible entity. Consequently, I plead for this agencys help so that I can recover the sanity and peace of mind that I used to have with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, when XXXX acquired my mortgage note from XXXX XXXX XXXX XXXX  has been a constant ordeal, nightmares, and annoyances. 

Resolution to solve the dispute Mediation. 

Finally, I profoundly encourage the Consumer Financial Protection Bureau to investigate the overwhelming number of complaints filed against Specialized Loan Servicing with the Better Business Bureau. I believe that XXXX XXXX plus complaints seem to be an indication that XXXX is a shady and dishonest mortgage servicing company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$140.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XX/XX/XXXX {$1200.00} XXXX CAXXXX XXXXXXXX XXXX XX/XX/XXXX {$1800.00} CAP XXXX XXXX XX/XX/XXXX {$1800.00XXXX XXXX XXXX  XXXX XX/XX/XXXX {$1200.00}. 
XXXX XXXX XXXX XXXX All is being investigated by the FTC and CFPB. According to FCRA XXXX this information must be blocked immediately until the investigation is over. Since XXXX business days from receipt of this communication allotted under the XXXX XXXX to block these entries, it should be understood that failure to do so within a XXXX business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA XXXX XXXX XXXX ( XXXX ) ( A ) ).
Product: Bank account or service

I applied for a job online and was asked to give my debit card number and pin for payroll. I complied ( which was a huge mistake ) the next day ( XXXX XXXX 2016 ) I noticed all kinds of charges coming out of my account and I also noticed that XXXX fraudulent checks were cashed. I immediately contacted the bank and had them filed a complaint and opened a claim with both the debit and check fraud departments. Instead of the bank cancelling my card, they canceled my mother 's card instead. My mother had to call the bank back and ask for my card to be canceled. She had to get a new debit card as a result of their error. On XX/XX/XXXX I called for a status of my claims and the bank representative supposedly put a freeze on my account, but then allowed the fraudulent checks to hit my account on both XX/XX/XXXX and XX/XX/XXXX. This was after I had spoken to them on the phone. I filed a police report on XXXX/XXXX/16, and gave the bank a copy of the police report. I have been working with the police to catch this person and have done everything the bank has asked of me. My claims were denied because the bank said that when they reviewed the surveillance footage at the ATM 's that XXXX people were shown using a card. Which proves fraud occurred because I was not in any of the videos. My guess is that they used the information to make a duplicate card. The bank never contacted the police department to obtain any information from them. When I called I was treated like a criminal. Why would I hand over all of the information that I have over to the police if I did something wrong? Here are my claim numbers : XXXX, XXXX, and XXXX. I have been calling about this issue every day since XXXX/XXXX/16 and it has not been rectified. I am a college student and was only trying to find a job to help my parents pay my tuition.
Product: Credit card or prepaid card

Contacted the bank twice by phone. Reported this account was opened not by me. Gave them all the pertinent information and was told their fraud department would contact me within 3-5 business days. They did not seem that concerned about the whole matter. But it has been reported to the various credit bureaues and my score has been reduced by XXXX points.
Product: Money transfer, virtual currency, or money service

Paypal would not let me delete my bank card. and their website doesnt work correctly most of the time! 
I wanted to purchase something through XXXX with an XXXX gift card. Someone through pay pal 's XXXX system, it tried to take the money out of my old bank account that I do not use anymore ( XXXX XXXX  ). As a result that bank gave me several fees totalling over {$120.00}!! And paypal somehow authorized the transaction and now say that I owe them money!! 
I was trying to use a gift card throuogh XXXX!! 
Pay pal, it is their fault the whole mess happened. 
And they never should have authorized that payment to go through and the so-called negative balance with a paypal account that I have no kNOWELEDGE OF!! 
PAYPAL SHOULD BE FINED FOR BAD BUSINESS PRACTICES, CAN NOT ACCESS OUR BANK INFO, AND CAN NOT DELETE OUR BANK CARD WHEN WE HAVE TO DELETE IT!! 
AND THEY NEVER SHOULD HAVE AUTHORIZED THE MONEY TO GO THROUOGH SO I OWE THEM MONEY?????? NOT!! I WAS GOING TO PAY THE ITEM THROUGH AN XXXX GIFT CARD, NOT PAYPAL!! I DO NOT EVEN HAVE A BANK ACCOUNT, THEY OWE ME AT LEAST {$120.00} IN BANK FEES!!
Product: Credit reporting, credit repair services, or other personal consumer reports

well I think its fake mail ... i have severe mail fraud its obviosly a group of peoplein on everything. im sick of the XXXX people have hotten card loans.. bank accounts u name it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is falsely reporting my account history. THEY have not reported correct payment history with the original creditor. The credit bureaus are not verifying the accounts on my credit file correctly. I have attached the discrepancies with these accounts from my credit report. The information is inconsistent and illegal. These accounts should be deleted immediately.