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

I deposited a check in my business account with wells fargo. They put a hold on the check claiming that the signature did not match. the check was written from a customer that uses XXXX XXXX. Both bank accounts are located in the state of Maryland,. Called my customer to ask him to cancel the check, customer stated his check has already cleared his bank. I have called and stayed on hold with wells fargo for hours and hours with no resolution. They have directed me back to the other bank several times and XXXX XXXX  has stated several times they do not share signature cards nor customers phone numbers. One Wells Fargo customer service person even went as far to tell me that the federal reserve has my money and they are refusing to release it. I am a small business owner and this may not be a lot of money to some but this cost me 2 employees I now can not pay, they have bounced my business insurances twice now and have the nerve to charge me XXXX dollars everytime. Wells Fargo bank is killing my business with their unethical and unlawful business practices. They are virtually stealing from me and I want my money. I have two more checks from customers I am afraid to deposit for fear of never seeing my money. this bank is horrible, I want my money and monies lost from time spent dealing with them. 
I am now on hold waiting to find out a name and number I can use to file a lawsuit but they cant even give me that. This bank is just bad!!!
Product: Debt collection

XXXX XXXX told me as soon as my medical is approved that i would be able to come back to the hospital give them the insurance information that they would be able to remove this bill i also calledbthe hospital on occasions and told them i finally got my health insurance and they told me it would be tooken care of know i later on find out it went too collections i never got a call or bill in the mail regarding this as i thought it was handled by the hospital itself this debt was opened on XX/XX/2014 XX/XX/2014
Product: Consumer Loan

I 'm starting to think I might have been a victim of predatory lending. I am only 2.5 years into my auto loan with First Niagara Bank, and I 've noticed the current value of my car is only XXXX and my auto loan balance is XXXX How in the world did they sell a car for so much more than what the car was worth? I 've asked the lender if I could do some type of refinance to somehow save on interest so I could pay more to principal, and I ca n't I 'm stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. 
XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. XXXX XXXX XXXX now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/ 2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
Product: Checking or savings account

I have a business check for {$340000.00} washed and name changed on payee. Deposited into a Chase bank. Bank fraud was committed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME SOMEONE STOLE MY PHOTO ID AND SOCIAL SECURITY NUMBER AND OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2021, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I had aloan with XXXX XXXXXXXX XXXX XXXX The loan was transferred to NewRez. 
I continued making payments as scheduled to XXXX XXXX XXXX and NewRez stopped applying the payments. 
I contacted New Rez starting in XX/XX/2023. I thought i was getting somewhere when the communication stopped. The last communication was me sending document of payment that has not yet been applied. 
It has been 5 months with my unanswered inquiry. 
2 payments of {$2100.00}. 
Thank you
Product: Student loan

On XX/XX/XXXX 2019..I called Navient to get my account up to date. My past due amount was Due XXXX 2019. I explained to XXXX XXXX that I would pay the XXXX past due amount in three payments. I made a {$100.00} dollar payment with her over the phone and received an email confirmation. I called in on XX/XX/XXXX make the next {$100.00} dollars. I was told they didnt have any record of my payment. They researched and found out that XXXX XXXX made the payment through the wrong system. My money went to another whole company and they didnt have any control over it. I spoke with XXXX XXXX ( supervisor ) and he said that it would take them a month to return my money to me. I explained to him that I didnt have an extra {$100.00} dollars to give and I wouldnt receive in time to put back to account so I wouldnt receive a late fee for XXXX he wasnt willing to help at all
Product: Payday loan, title loan, personal loan, or advance loan

I signed a change in terms with HappyMoney on XX/XX/2023 changing the skipping 2 months of payments ( XXXX and XXXX ), as well as changing the maturity date from XXXX to XX/XX/2023. I received notification that I had a payment due on XX/XX/XXXX which was contrary to the document both Happy Money and I signed I called in and they said that they will not honor the change in terms.
Product: Debt collection

Midland funding LLC sued me on a time barred debt on XX/XX/2019. 

The following is the garnishment on my wages from a time barred debt. 

XX/XX/2019 Garnishment {$250.00} XX/XX/2019 Garnishment {$37.00}
Product: Checking or savings account

Yes there was a issue with my td bank account. I talk to the associates to unlock it and they said they did so, Yet they didn't. I told them to close my account.And send the money left in account which said they would. Almost a year ago. I reopen account. I love TD Bank. But yet no access online due to first account. When clearly they should took care of problem. Now call them and went in to to clear this account. So not sure why never got check of the amount had in account and closed that account so i can have online access to new account.
Product: Money transfer, virtual currency, or money service

XXXX is unable to link to my PNC account.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, I went into XXXX XXXX XXXX XXXX placed a application for a XXXXXXXX XXXX XXXX through Tower Loan, i was told that the loan would be 180 days, same as cash. The ring did not fit and needed sizing. I was told that it would take a week. on, XX/XX/2022, i received a Call from Tower Loan, the person calling was unaware of payment terms, this made me weary because i didn't want any problems, or any damages to my Credit. I Immediately told her that, if the terms were not as stated, I would like to XXXX XXXX account, because i still did not have ring. She said she would get me the facts and call me back. After several conversations with Tower Loans Staff, I decided that it was in my best interest to Cancel this Loan, Because no one knew the terms of the loan, they were very Rude, demanding, threatening, unprofessional, while using intimidating tactics to force me into this loan, that i did not want, nor had possession of any items. on XXXX, XXXX, XXXX  I spoke to the XXXX XXXX XXXX XXXX, who agreed to void contract, he said if the ring was still at XXXX XXXX XXXX XXXX he would be glad to Void contract, the ring never left XXXX XXXX and is still there. In XXXX I started back getting phone calls from Tower Loan, each time, i would state that they need to talk to the manager, because he told me he would Void contract. Finally, I called and spoke to XXXX XXXX again on XX/XX/XXXX, but this time he had a mean and nasty attitude, and refused to cancel/ void contract as previously stated, so now I need help, because, this company is threatening to damage my credit for a loan, i asked to void before any payments became due, and I never received any merchandise ( the ring )
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but notice that XXXX XXXX claim is disputed, and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe XXXX XXXX. 

NOT who you have been paid by a third party. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. ex I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you ( XXXX XXXX ). Please validate that this debt belongs to me and please also show me the original contract. 

I will require 30 days to investigate this information and during such time all collection activity must cease and desist. If your offices fail to respond to the validation request 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file. 
Creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 28 year good standing credit report, not a single missed payment - until : 4 years ago I started a lease with Ally XXXX  and I paid the original payment through their web portal. After the payment I signed up so that the bank information was taken over for ACH. Ally must have had a technical problem with their web interface at the time, because the initial ACH didn't work. The company immediately filed a missed payment on my credit report. I have not missed a single payment after the setup incident, I bought even out the car, all without a problem. But neither 3 1/2 years ago nor now, did my request for removal of the credit report fall on open ears with Ally XXXX, who are on the Internet found with many complaints of similar nature. Ally is in the business of destroying their customers even for faults that they generated. 
I would like to get this resolved. 
regards XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022, to remove information that I don't want on my credit report. I have the right to privacy. Also, according to 15 U.S.C 6802, No Financial Institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( XXXXXXXX  ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and notice some inquiries that i did not authorized the inquiries are as follow on expirian XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX on XXXX XXXX I would like these inquiries removed immediately
Product: Credit card or prepaid card

On  XX/XX/XXXX , I knew I needed to pay   XXXX    US Bank credit   cards because they are both DUE on the  XX/XX/XXXX   each month. I logged onto US Bank via the US Bank phone app and paid both my US Bank credit c ards  (  XXXX  fo  r {$190.00} and  XXXX  for {$240.00} ) on the dates they wer  e DUE at   XXXX   XXXX   MDT. I received both on-screen and emails ( via US Bank 's internal messaging system ) confirmation that my payments were received. Nowhere on US Bank 's mobile or desktop site is verbiage stating that if these payments are not made by   XXXX   XXXX    that I will be charged late fees for US Bank taking a day to process. It simply states that any payments after  XXXX  local time will be processed the next day, but in no way does this state that I will be charged a late fee. The payme nt cutoff time text is on   the second screen and in small print on desktop and on the third payment screen and in small print on mobile. Neither payment avenue ( desktop or mobile ) states that a late fee will be applied for paying after   XXXX   XXXX   on the payment DUE date.
<P/>
This is especially troubling to me as I paid  XXXX  of these accounts directly from my US Bank checking account and it immediately deducted that payment money from my checking account at   XXXX   XXXX   that night and not the next day. If the payment wasnt processed until the  XXXX , then shouldnt the money have stayed in my checking account until the payment was processed. Because of this and because the app showed a payment pending, the illusion that the payments were made on the DUE date clearly existed.
<P/>   When I called US Ba nk customer service on XX/XX/XXXX    to discuss this I first spoke to  XXXX  who transferred me to the credit card customer service where I spoke to  XXXX . I told  XXXX  about the ambiguity regarding making payments  on US Bank 's site. I  explained that on the  XXXX  I made my payments on the date they were DUE and I ev en had   XXXX   em ails in  my US Ba nk email inbox stating that the payments were made on the  XXXX  of  XX/XX/XXXX   XXXX  told me that it was my fault because I did n't remember reading this in the fine print regarding payment times and late fees in the credit card agreement I received when signing up a decade ago. Moreover, I have  searched US Banks we bsite and can not find this late fee after the cutoff time information. Also, the fine print on the websites during payment states that the cutoff is  XXXX  " local '' time, but  XXXX  insists it is  XXXX  CDT. How am I supposed to be clear o n cutoff times and  DUE dates when  US Bank  does n't even have consistency in it 's own business regarding payment cutoff times? This further adds to my confusion.  <P/> If the cut-off time is not going to accept payme nt agreements on the payment date as valid, then US Ba nk needs to state that a late fee will be applied to those accounts when the payment is made after their ridiculous cutoff time.
Product: Credit reporting or other personal consumer reports

My information was exposed in the data breach the recently occurred and I want to dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, Today I spent over 3 hours on hold with Experian trying to get a live person to help me with a membership website that does not exist anymore. XXXX which is a Experian website that is no longer up and running. I was charged {$29.00} this month XX/XX/XXXX which they only refunded me back. But I was charged {$29.00} 0n XX/XX/XXXX, which their website was not working last month. I did not know they was transforming their systems to only use usaexperian.com website. I asked the rep XXXX ext..XXXX, how Experian gone charge me for a website that do not exist anymore? She told me that they was not going to refund me the additional {$29.00}. I asked why, because I could not go to this website. and if I wanted to print something from the website. I could not. I paid for all three credit reports, which Experian website only gives one, unless I pay another fee. These are totally different websites by Experian, which they are trying to keep my money for something I had no control of. They closed their website down. I just want my money back.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : BALANCE, DATE OF LAST ACTIVITY, DATE OPENED, CLOSED DATE and CREDIT LIMIT Account Name : XXXX XXXX  Account Number : XXXX Disputed Information : LAST VERIFIED, XXXX OF LAST ACTIVITY, DATE REPORTE, XXXX OPENED and LAST PAYMENT Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : XXXX dispute letter, proof of address, driver ID, social security and images of each account and their inaccuracies
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA you are expected to delete this items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX  XXXX {$200.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$960.00} XXXX XXXX XXXXXXXX {$660.00} XXXX XXXX {$8000.00} XXXX XXXX {$330.00} XXXX XXXX XXXX {$3200.00} XXXX XXXX {$5800.00} XXXX XXXX {$92.00} XXXX XXXX XXXXXXXX {$2000.00} XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with * XXXX XXXX XXXX, account # XXXX, * XXXX XXXX XXXX XXXX, account # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX XXXX, account # XXXX * XXXX XXXX, account # XXXX have violated my rights. 

XXXX5 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 an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I had zelle with all of my banking accounts and would transfer money to recipients via Zelle and on several instances I had select the wrong person and contacted Zelle for a reimbursement and they denied several of my my refunds stated I would have to contact that person to get my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX XXXX were deleted from my Trans Union credit report due to HIPAA violation in XX/XX/XXXX. Both collections were reinserted in XX/XX/XXXX. Trans Union did not notify me with a 5 Day reinsertion letter which is an FCRA violation. I sent a certified letter to Trans Union on XX/XX/XXXX which they have not responded and both accounts have been reinserted as collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$9800.00} ; XXXX  XXXX XXXX Balance XXXX {$3700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to update my paid credit account with XXXX XXXX XXXX. Account # ending XXXX, account # XXXX. 

I have forwarded Transunion a copy of the settlement letter from XXXX XXXX XXXX and a copy of my paid receipt. 

Their failure has lowered by credit score and they are violating my rights under the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, Convergent Outsourcing added a derogatory mark on my credit report ( XXXX XXXX, XXXX XXXX ). After I did some research, this account was sold/transferred and I am no longer responsible for this account. The debtor creditor never certified this collection. Also, there was no written document or form of communication, a contract or signature for this debt that I am being accused of at all. If there was a bill without a signature, that does not validate this debt which anyone can send a bill and say that it is mine. 
It is written in the FCRA ; that according the regulations, this collection agency has violated my rights as a consumer and I am exercising my rights to that legal action to remove this account immediately.