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

To whom it may concern ; I have never had any issues with my XXXX account. I have always followed all rules requiring transactions and forwarding my money to my XXXX account. 

I filed my taxes and chose to have my tax return sent to my XXXX account for free and so I could get my return 15 days early. 

After my funds were deposited I tried to transfer them to my bank account and my XXXX account was froze. I received a email from support telling me to upload my drivers license. I did that and customer support said it should be unfrozen within a few days. But it was not. Then I received an email stating my XXXX account was permanently suspended/disabled and my money would be held for 180 days for loss prevention. Which is not fair because I did nothing to even have my account frozen to begin with. I also did not violate any of their banking rules and did not violate any terms. 

I contacted their help line and tried to get answers which they gave me none. I told them I have not violated any of their terms or banking agreements. I provided proof of identity and even reset my passwords and followed all their rules for reinstating my account, only to be told it was flagged for unusual activity. Which I again tried to clarify and was given no answers. They just flagged my account only after getting my tax return deposited into my XXXX  account. It was in the amount of {$5900.00}. Which is a lot of money to be taken from me for six months!!! For no reason at all.

I would like to have my account and be able to keep it. Or if that's not an option, I would like to have all my funds transferred immediately as I did nothing wrong and have made no transactions to have my funds withheld from me for 180 days. 

I do not understand what concerns they have with the activity. I had my previous tax return refunded to XXXX in XXXX you can see that, and I did the same thing with this years tax return. THERE IS NO SUSPICIOUS ACTIVITY!!!! I deserve to have my funds refunded immediately. I could care less about keeping my XXXX account, but I shouldn't have my funds withheld for 180 days.
Product: Checking or savings account

My Oregon Tax refund check deposited in XX/XX/XXXX was cashed by B of A from the dept of revenue, but never posted to my account balance. In XX/XX/XXXX ' they verified this with no explanation, and requested I re deposit check electronically, Which I did. They posted the {$300.00} to my acct. for several days, then reversed it and told me Oregon dept of revenue rejected it, due to being more than 120 days old. Oregon says it Was withdrawn from Their account and won't reissue. B of A told ME to have Oregon file a claim against Them, to get MY money back!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, Mn XXXX XXXX USC 1692 ( cc ) If a consumer notifies a debt collector that a consumer refuses to pay debt a debt collector must cease all communications.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act everything has to be 100 % accurate on my credit report. The listed accounts below violated my federally protected consumer rights .The Credit bureaus have stated a proper investigation was performed but I find this to not be accurate or possible, the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are not accurate, these are grounds for removal. On XXXX-2022 i sent a letter regarding the inaccurate and unknown things on my credit report. To this day over 30 days later I have not received any response. I feel like I've been taken advantage of and also being ignored. Section 611 ( a ), it's plainly stated that a failure to investigate these items within 30 days gives reasons to immediately remove these items from my credit report. It has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress caused in this process. 

The credit Bureaus also violated 15 usc 1681 section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).

The credit Bureaus also violated my rights under 15 U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I haven't given these accounts written permission to furnish these accounts on my credit report In accordance with the fair debt collection practices Act. Debt collectors are not allowed to communicate with me under the 15 usc 1692C 1- ( XXXX XXXX XXXX XXXX XXXX XXXX ) Has violated my rights- 2- ( XXXX XXXX XXXX # XXXX XXXX Has XXXX my rights- 3- ( XXXX XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 4- ( XXXX XXXX/ACCOUNT # XXXX ) Has violated my rights- 5- ( XXXX XXXX # XXXX ) Has violated my rights
Product: Checking or savings account

Capital, one has not released my direct payments, it has been 3 days, and I have not received my direct deposit from my employer.

I have tried numerous times to call and no response.

millions of people who live check by check are suffering
Product: Debt collection

I got a collection notice from XXXX XXXX XXXX XXXX XXXX sent {$99.00} to them when they never sent me a bill. I called and called with no return call. 
This is ridiculous??? 
They have to talk to me!!!
Product: Credit reporting or other personal consumer reports

XX/XX/2023 XXXX XXXX, Director, Consumer Financial Protection Bureau Attn XXXX XXXX XXXX Complaint Per the FCRA as a federally protected consumer I am now opting out of any and all authorization. I, the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. Effective immediately ; indefinitely. 

According to my credit reports, there are third party reporting agencies reporting my private information to all three credit bureaus, which is a violation of my Privacy Right, ( Privacy Act of 1974 ) Also, there are charge offs listed on my credit reports. A charge off is considered a Certificate of Indebtedness, which means it is income and has to be removed. Income can not be reported to my credit report. The law says it's illegal to report transaction history. 

All bank accounts are insured per 15 USC 1681, I have not received any interest or payment. I gave them a security 16 CFR 444.1. 

There are Inquiries ( Promotional Inquiries ) 15 USC 1681 Permissible Purposes, {$1000.00} fine each occurrence. ( sent to the address listed above ) Lastly, I've been suffering tremendously because of these issues listed above. Ive been humiliated from being denied cars and homes, credit etc. Brokers/banks/lenders not accepting my applications. Telling me I need a XXXX deposit. I've been homeless because of this. For pain and suffering, humiliation, emotional damage etc. A {$20000.00} XXXX XXXX Dollars payment can be sent to the address above. Also, all negative reports should reflect good standing. 

Federal Laws mentioned 16 CFR 444.1 15 USC 1692 15 USC 1681 15 USC 6801 15 USC 6805 15 USC 6802 15 USC 6805 Thank you,
Product: Debt collection

An ExxonMobil Credit Card through XXXX was opened using my identity. In XX/XX/2022, There was a charge of {$56.00} to this credit card which I believe was used for gas. I contacted ExxonMobil and they immediately began an investigation. What I wasn't told, was that during the investigation, they would be racking up {$30.00} late fees which is now at {$370.00}. I gave ExxonMobil all the information needed as to who opened the account, but still left me responsible and ruined my credit score from XXXX to XXXX. Had I known all this would happen, I would have just paid the {$56.00}. Exxon just cleaned their hands of {$56.00} & sent me over to collections. The other gas cards that were opened fraudulently using my identity were resolved immediately.
Product: Student loan

Today, while attempting to work on payment terms w
ith Delta Management Associates regarding my apparently delinquent XXXX XXXX Student Loan acc ount, I simply requested to know the dates which my account would be automatically debited for the agreed upon amount. Delta was only willing to provide the dates via phone not in writing. Furthermore, Delta provided an agreement that listed a due date ; which is not the date we agreed for payments to be drafted from my account. Delta 's unwillingness to provide dates in writing about when they would take money from my account is highly suspicious to me and calls into question the professionalism of their operation. I already have serious doubts about many things Delta discussed with me, but their unwillingness to provide this information, highlights these concerns.
Product: Mortgage

I am having trouble with Wells Fargo. In XX/XX/XXXX I went into a Covid -19 program with WF. I was in the program for 3 months. My hours were cut at my job. I resumed payment in XX/XX/XXXX. I made payments, but was contacted by WF customer service rep in XX/XX/XXXX. She told me that I was not suppose to just restart payments without reaching out to them first. She them said in order to update my account and move the payments to the back of my mortgage so I could pay it later, she this is called a loan modification. She kept saying that I had been in the program for 6 months, I had not. This is information she should have had. She then told me that in order for the loan modification to be done I would need to stop making payments. I did not know that I should not stop making payments. I do now and I also know she should have not told me that. I later find out that they had sold my loan do XXXXXXXX XXXX. The loan was sold as a direct mishandling of my account with WF. They made it look like I was delinquent with paying my loan when I was doing what I was told. XXXXXXXX XXXX received the loan as delinquent and are threatening foreclosure on my home. They says I owe over XXXX dollars. It looks like I missed multiple payments, but hey do not mention the Covid -19 program at all, this was suppose to be corrected with the Loan modification done with Wells Fargo. I have spoke with Wells Fargo and XXXXXXXX XXXX multiple times. XXXXXXXX XXXX says they NEVER received the loan modification information. I made Wells Fargo aware of this they say that they sent it, obviously they did not. I have asked for a copy of the completed Loan modification multiple times but I have not gotten it. How is Wells Fargo able to get away with this?? They caused the problem and refuse to fix it!! I am stressed out, anxious, afraid and depressed over this whole ordeal. I should not be going through this. I did the right thing Wells Fargo made this huge mess and I am the one suffering. I need help with this right away. I am fearful that I will lose my home. I was suppose to start new payments in XX/XX/XXXX according to the loan modification. I have been making the payments. I have been told that until the account is updated to reflect the loan modification the money I pay each month goes towards the outstanding balance.
Product: Debt collection

I recieved a call for a woman XXXX XXXX who informed me she was from a company called XXXX XXXX XXXX XXXX and she was collecting a debt from a payday loan from XXXX from The Cash Store. I was told i owed over {$900.00} almost {$1000.00} and i needed to take care of that debt.  She said if i didn't take care of the matter right then iwas going to be taken to court for a civil and crimal suit. She knew everything about me including my social. She said if i didn't pay the county clerk would be contacting me. Well, on XX/XX/XXXX someone supposedly from the county clerk called me but then transferred me back to the same people from payment to keep it out of court. Not remembering that I've already paid my balance owed on that payday loan, and being threatened with lawsuits and jail time, i paid only to then do my research and contact XXXX XXXX XXXX the company i remember paying on a payday loan i did have. The same loan i paid off, these people from XXXX and XXXX which i found online to be an interior design compamy out of XXXX N.Y charged my account for {$500.00} which they said was a payoff amount for paying right then instead of being charged the higher amount of over {$900.00} if i was on a payment plan. I've already contacted my bank, canceled my card and am attemped to to file a dispute hoping the money will be returned to me. What else can i do?
Product: Student loan

My Granddaughter had me to cosign for her to go to college in Alabama. Was told that was just to help her get into school and would not cost me a thing. This was done over the internet.  Wells Far  go t ook over  XXXX  dollars out of my checking account with out my knowledge and I only found out when I started paying bills that I had borrowed the money to pay off. I almost had a break down from the loss of money and the constant phone calls. My granddaughter would not answer my phone calls and block the whole family. I am  XXXX   years old  and would like to know if I can get the money back from these crooks. I closed my account with  Wells Fargo an d will never again trust a bank or a granddaughter.    Regards   XXXX   XXXX
Product: Debt collection

This number ( Afni debt collection ) has called me every day during weekdays for the past 2 weeks. I have blocked the number but they are still able to leave a message. I already told them that they have the wrong number for the person they are trying to reach. They have not ceased calling.
Product: Money transfer, virtual currency, or money service

My phone number was fraudulently ported out to a XXXX prepaid account. I have the account number. My email was then hacked ( XXXX ) with my phone number. Then the person logged into bitcoin after saying forgot password. Then moved all of my bitcoin over to their wallet. All of this done in under 30 minutes. Now I am out a phone number I've been using for 15 years and roughly 14,000.00. This all occurred on XX/XX/2021. I believe this is from a coinbase breach in their data. I would also want to think that XXXX needs to add more security to not allow employees to move phone numbers.
Product: Debt collection

The Driveway Finance Corporation used my personal information to illegally enter me into a Fraudulent contract that has been altered. I have made numerous complaints with regards to the altered contract that I only signed on XX/XX/2022. However, the dealership had made alterations to the contract after I signed it. The contract that I last reviewed had a forged signature appearing to be my own signature. Because of this fraudulent act, I am now being harassed with collection calls and notices even after I requested a Cease and Desist until they resolved our Fraud issue. Neither the creditor nor the Finance company has reached out to me for cure of this alleged and fraudulent debt. I am demanding full refund of all monies I was forced to pay into this fraudulent transaction. I am willing to accept the truck fully paid off as compensation and an additional {$50000.00} for pain and suffering caused by this unfortunate incident that continues to negatively affect my credit standing.
Product: Credit reporting or other personal consumer reports

This account can not be reported as a charge off on my credit report. You have commented that the account has been written off and i have received a XXXX Form for this account. You are STILL reporting this account MONTHLY as a CHARGE OFF which is also illegally re-aging this account with each consumer reporting agency. According to the IRS and FCRA, Please cease the reporting and delete this account. 
Account - XXXX
Product: Debt collection

this company has a XXXX bill they put on my credit report and they refuse to communicate with me about this debt. This is my Second time disputing this debt with the cfpb they sent me what they called debt verification the last time i disputed it but it wasn't sufficient ive tried emailing them i wrote them letters and ive tried calling to either verify this debt or pay it off because its hurting my credit but ive never gotten a response from any of my inquiries. im not sure what type of debt collector this is they are very poorly managed
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is once again reporting my XXXX XXXX XXXX XXXX LOANS with INACCURATE information. 

I have XXXX XXXX XXXX XXXX XXXX LOANS that TRANSUNION is reporting late payments on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. 

These XXXX student loans were never late. The loans were in FORBEARANCE at the time the late payments are being reported. 

I have attached the NSLDS showing the loans were in FORBEARANCE. I have also attached an XXXX report showing the LOANS REPORTING with no late payments.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach.

Under Section 605 A 15 U.S. Code 1618 C-1, Section 604 15 U.S. Code 1618 b, and Section 605 B 15 U.S. Code 1618 C-2, all fraudulent information needs be removed within 4 days. 

Please remove the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Hard Inquiries : XXXX XXXX # ( Finance ) XXXX XXXX ( Auto ) XXXX  ( bank ) XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX & # XXXX ; XXXX XXXX ( Auto ) XXXX  ( Finance ) XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX ( Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition all late payments must be removed.

It is illegal to report anything on my credit report without my permission. Please remove these negative items. Thank you.
Product: Student loan

Every other month Navient increases my account balance by {$2100.00}, then reports the increase as paid down 30 days after the original posting to my credit profile. When I contacted Navient for explanation the rep said that nothing was being reported on there end and they could not explain why this is happen. 
I need this resolved because it lowers my credit score by 10 points and I'm in the process of buy a home and this will impact my ability to get a home loan.
Product: Credit reporting

MY INFORMATION WAS STOLEN OFF A SERVER THAT EXPERIAN HOUSED FOR XXXX AND THE SERVER WAS HACKED. ALL PERSONAL INFORMATION WAS TAKEN.
Product: Debt collection

Afni, Inc is attempting to collect a debt from me that I don't owe them
Product: Money transfer, virtual currency, or money service

Venmo locked my account with almost {$300.00} in it almost 2 months ago with no explanation. I have submitted all of the requested documents, but have gotten no response or any type of indication that they are making any effort to resolve this issue. They have told me to wait XXXX days multiple times, and seem to just be ignoring my requests. I want my money off their platform, and my account closed completely. I've request this more than once, and they refused to answer. I'm willing to sue them if needed, but would rather resolve this more easily. If a lawsuit is required, a class action would be more than possible as this is all too common. If you could help me make them release my funds, it would be greatly appreciated!
Product: Credit card or prepaid card

I have a credit card with Discover Financial Services. I sent an email on XX/XX/2021 to Discover Financial Services Executive Offices. That email requested a Check/Voucher for Exemption be sent to me in the mail or attached to my billing statement that would allow me to discharge my debt. Discover sent me mail containing a letter on XX/XX/2021 stating that they were closing my account and included all of my credit card statement history, but the Check/Voucher for Exemption was not included. 

I would still like Discover Financial Services to send me a Check/Voucher for Exemption. Discover is allowed to access my pre-paid credit at the Federal Reserve and I will be allowed to discharge my debt at the Federal Reserve with the Check/Voucher for Exemption. Discover Financial Service fails to follow the Commercial Administration Laws under Federal Title 15 that apply to their corporation.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX, TransUnion, and XXXX for egregiously failing to remove inaccurate information from my credit report, despite being provided with official documentation ( 1099-C forms ) showing that the debt in question has been canceled. Under the Internal Revenue Code ( IRC ) 108, canceled debt is considered taxable income, and reporting it as an outstanding obligation is not only false but also misleading. I have submitted the appropriate 1099-C forms to each of the credit bureaus, yet they have continued to report the canceled debt as an active liability. This failure to update the information and remove the erroneous entry has caused significant harm to my creditworthiness, damaged my financial reputation, and subjected me to emotional distress. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) : Under the FCRA, credit reporting agencies are legally required to investigate and correct inaccurate or incomplete information in consumer credit reports. The agencies failed to remove the canceled debt despite my providing irrefutable evidence that the debt was canceled and considered taxable income. Internal Revenue Code ( IRC ) 108 : The IRC defines canceled debt as taxable income, and once the debt is canceled, it no longer exists as a liability in the consumers financial obligations. Failing to reflect this change in my credit report is not only unlawful, but it is also misleading and harmful. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) The Supreme Court ruled that " inaccurate information that harms a consumers credit standing is a concrete injury, '' and recognized that the risk of harm caused by inaccurate information on credit reports is sufficient to establish standing for claims under the FCRA. The continued reporting of this canceled debt constitutes harm to my reputation, creditworthiness, and financial standing, as well as emotional distress. TransUnion LLC XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) The XXXX reaffirmed that consumers suffer concrete harm when inaccurate credit information is disseminated to third parties, such as potential creditors. The ongoing reporting of this canceled debt by the credit bureaus has caused irreparable damage to my ability to obtain credit and has subjected me to financial disadvantage. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This case held that credit reporting agencies have a duty to ensure the accuracy of information they report, and failure to update or remove inaccurate information, such as canceled debt, violates consumer protection laws.
Product: Credit card or prepaid card

To whom it may concern, hope you are well, I not sure what had happened with my monthly payment back in XXXX as you could see in attached file, I truly apologize, I realize how big impact this makes on my credit score in XXXX XXXX.
Product: Debt collection

i closed my account with XXXX in XX/XX/2016, i paid my account off and returned their equipment to their office. 
they have hired a debt collector in XXXX Texas and have put a charge of {$60.00} on my credit, i have contacted XXXX and they refuse to disclose to me why i owe this amount even though they are the ones that say i owe that amount, i no longer have a contract with them and they have reported that i do indeed have contract still open which i do not.