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

In XXXX of 2022 I got a check from a gentleman and before I deposited it I noticed it didnt have a spot to sign and I thought that was weird. I called Wells Fargo and asked them what I should do. On the phone they said that I should deposit it and worst case it bounces. I said I didnt want to hurt my account and asked if they were sure 2 times and they said yes. I even went as far as trying to send a picture to a banker or asked if I should into a store but they assured me that wasnt needed. I ended the call and deposited the check. Within 30 minutes Wells Fargo called me back and said they were closing my checking and savings accounts. I told them that they gave me the instructions to deposit it and it wasnt right of them to close it. I explained my story and they said they would file a claim. The person on the phone took my side of the story and put me on a brief hold. They very quickly came back to the call and said my claim was denied. Not even 3 months later all my credit card accounts are closed suddenly with no warning and when I try to reach out and find out why they say the person handling my case is unavailable and I can leave a message. I was with Wells Fargo for 20+ years and was thrown down the gutter within months
Product: Mortgage

I 'm with green tree and recently at XXXX. My last payment for the yr. Was due and payed on time how ever green tree also put XXXX XXXX payment on this statement as well but the math did not add up to, XXXX payments in the amount due box on the paper statement the payment for XX/XX/XXXX was on the statement for XX/XX/XXXX but on the far side of the statement were your eyes do n't look when your use to seeing the same thing all the time. i did not catch this until I received my mortgage bill for XXXX. I was hit with late fee 's and was basically made a fool of over the phone when I was told both my payments XX/XX/XXXX and XX/XX/XXXX were due on XXXX bill. And that basicl " it didnt matter if i missed a payment for XX/XX/XXXX. I have to pay them regardless if i recive a statement our not '' .the information I was told I needed to send for a request of all the info I wanted to inquire about, to resolve the issue I never received any info or a denied response with reason. I payed all dept. Due in full plus The Late fees. I 'm still being charged late fees I 've write on the statements and stated that the billing is wrong and all late fees from the incidents have been payed green tree will not fix there mistakes
Product: Credit card or prepaid card

cant pay my bills, any of them ... other companies are considerate not this one, {$4000.00}. pay it or .... one gentleman was so inconsiderate, and just plain rude... his name was XXXX.it was about 3-6 months ago. i have rights.. This company is worth billions and billions and they want the above aforemention.
Product: Student loan

Back in XXXX of XXXX  ( XX/XX/year> ), I had received a XXXX  from the state of FL for {$50000.00} put towards my student loans. I had given specific instructions to MOHELA on where I wanted that {$50000.00} to go towards, which was essentially my highest interest loans. Once they received the $ XXXX, they ended up putting it towards ALL of my loans instead, instead of the ones I instructed. 

I understand they were going through the transition to the new platform, but this issue has still not been resolved. I have been on the phone with them many times since XXXX, and they continue to tell me that it will be resolved, and that the $ XXXX will be reallocated, but nothing has been done. Because I've been waiting for the loans to be properly processed, it has stopped me from making any meaningful progress towards my loans, because I am not going to make a payment when the loan information is wrong, and interest has now just been growing. I have a big lump sum waiting to be made again, and I can not put it in until this is corrected. 

Please, help me resolve this with MOHELA. I am not asking for special treatment, I'm just asking for the payment to be correctly allocated. Thank you!
Product: Debt collection

Received this e-mail on XX/XX/XXXX at XXXX from XXXX threatening to search and seize my home and property, I am not sure exactly who this came from, it could be another agency who has purchased the debt or a pure scam but this is a clear violation of the FDCPA : CREDITOR : SPEEDY CASH SERVICES CASE NO : - XXXX OUTSTANDING AMOUNT : {$750.00} After numerous attempts to reach you we haven't received any payment or any positive feedback from your side, as you are not paying your seriousness on this account which means that you are trying to run away from the situation and repeating the same activity which you did before with the loan company. We tried our best to help you on this matter but you are taking this matter lightly. 

Account Status : WARRANT IS ACTIVE FOR SEARCH AND SEIZE ( Violation of the Fair Debt Collection Practices Act and Defamation of Character. ) " Debtor ( You ) has been declared as a guilty by Authorized Law Enforcement Department, Seizure Warrant has been activated under 15 USC 1692g Sec. 809 ( b ) of the FDCPA " Unless delayed notice is authorized below, you must give a copy of the warrant and a receipt for the property taken to the person from whom, or from whose premises, the property was taken, or leave the copy and receipt at the place where the property was taken. 


The officer executing this warrant, or an officer present during the execution of the warrant, must prepare as required by law and promptly return this warrant. Pursuant to 18 U.S.C. 3103a ( b ), I find that immediate notification may have an adverse result listed in 18 U.S.C. 2705 ( except for delay of trial ), and authorize the officer executing this warrant to delay notice to the person who, or whose property, will be searched or seized. 

Note : You will be contacted by your local county authorities. XXXX XXXX XXXX XXXX  is closing this account and declaring as a GUILTY. If we will not receive any feedback from your side, then you will be the only person who will be responsible for any consequences. 


NOTE : YOU STILL HAVE CHANCE TO RECTIFY THIS OUTSIDE OF COURT, FOLLOW THE RESOLVEMENT PROCEDURE BELOW IF YOU WANT TO RESOLVE CASE OUTSIDE OF COURT THEN CONTACT TO RESTITUTION DEPARTMENT : - mailto : XXXX Department Of l Debt Settlement Confidentiality Statement & Notice : This email is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and intended only for the use of the individual or entity to which it is addressed. Any review, re transmission, dissemination to unauthorized persons or other use of the original message and any attachments is strictly prohibited. If you received this electronic transmission in error, please reply to the above-referenced sender about the error and permanently delete this message. Thank you for your co-operation. 

XXXX, Restitution Head XXXX. 







XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting my five loans under sequence numbers XXXX as being closed with Experian, XXXX, and XXXX when the accounts are actually open and active. I contacted the creditor and received a letter from them supporting my claims that these accounts are actually active and open accounts ; however they continue to report these accounts as closed with no balance to Experian, XXXX, and XXXX. This erroneous reporting has greatly impacted my credit score and is preventing me from retaining new lines of credit from other creditors and also preventing me from being able to retain a lease for an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, and Account # XXXX have 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 told Experian, XXXX and XXXX I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with RE : Bankruptcy File Number XXXX they must remove said information from the consumer credit file. 
The original creditor in this case would be the U.S. Bankruptcy Courts. The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 
Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ). An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNT, NOT AN AUTHORIZED USER {$1800.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1000.00} Keeping your credit usage below XXXX XXXX  will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$590.00} Highest Balance {$1800.00} Monthly Payment {$94.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX  Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX {$1500.00} XXXX XXXX  XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$1100.00} Keeping your credit usage below XXXX XXXX will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$480.00} Highest Balance {$1600.00} Monthly Payment {$110.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Authorized User Terms 0 Remarks Account information disputed by consumer, meets FCRA requirements Creditor Name XXXX XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint because Experian - REPORTING # XXXX AND REPORT # XXXX has ignored my request to provide me with the documents that their company has on file that was use to verify the accounts I disputed. being that they have gone pass the 30 day mark and can not verify these accounts. Under section 611 ( 5 ) ( a ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. please resolve the matter as soon as possible. Thank you.
Product: Credit card or prepaid card

Capital One is negligently allowing illegal monetary withdrawals from my credit card account by one of their known fraudulent merchants named XXXX for charges I never made or authorized. 

Capital One has allowed its merchant XXXX to fraudently deduct from my account on five different dates in different dollar amounts randomly. The fraudulent dollar amounts vary and are being targeted against my account even after I have complained to Capital One since XX/XX/2020 : XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX XX/XX/2020 - XXXX Each time I've been forced to report the fraudulent transactions, Capital One has had to provide me monetary reimbursement for XXXX 's fraudulent charges. 


Capital One also falsely promised me on XX/XX/2020 that they placed a merchant block on XXXX from being able to make further unauthorized withdrawals from my account. However, on XX/XX/2020, XXXX randomly withdrew {$150.00} from my account - this time for a greater amount than before. 


Capital One has failed to protect my financial assets and has breached it's consumer agreement with me to keep my financial account safe from known bad actors.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/24, I noticed a couple of small transactions I did not recognize in my account history. I contacted my bank and was told they were made on XXXX using my paypal account. 
I called the customer service number for XXXX and ended up being transferred and speaking with a gentleman that stated he worked for Paypal customer service. He stated it was an error and processed a credit transfer of {$880.00} into my account, he said it was to confirm it was valid. He then transferred that money back out and sent me another credit for {$5.00}. 
I unlinked my bank account from Paypal and a few days later realized my account was now linked to a credit line and that {$880.00} had been charged to it. I contacted Paypal customer service again and opened a case, and told them that I did not make any transactions, that this was fraudulent. I also requested that the Paypal credit line be closed. 
I got an email from Paypal customer service today stating that my case was closed and i was not going to be reimbursed the {$880.00} ( or have it credited back to the credit line that was opened ) I called Paypal immediately and they told me it was closed not in my favor because I had closed the credit account, so they could not help me. Which is terrible and against all consumer financial protection laws. They also said it was closed because it was a person to person transfer. The money was transferred to a person, but not by me! Someone at Paypal or a hacker fraudulently hacked into my account and sent money somewhere. 
This is incredibly frustrating and Paypal needs to take responsibility for fraudulent charges that happen on their customers accounts. They have an email address and a transaction ID of where this money was sent, why is that account not being held responsible for this money? 
This is an unfair and fraudulent business practice and I am not paying that huge sum of money to a scammer because Paypal wont take responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has caused me physical, mental & financial anguish by violating my rights as a consumer. 
Equifax reports serious delinquent payments with company XXXX on my credit report for the dates of XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX, which is incorrect. I have tried ( 6 ) times to resolve this matter with Equifax to no avail. Equifax is in violation, and must acknowledge law- - [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. -15 U.S.C. 1681s-2 ( a ) ]. Responsibilities of furnishers of information to consumer reporting agencies. ( A ) Reporting information with actual knowledge of errors. A person shall not furnish a
ny information relating to a consumer to a consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. [ 15 U.S.C. 1681s-2 ( a ) 1 ] ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commis- sion may commence a civil action to recover a civil penalty in a district court of the United States against any person that 72 violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took out a private loan in XX/XX/XXXX with Navient. I have been a student for the majority of time between then and now. I have consistently had issues with Navient applying my student deferment in a timely manner, refusing to apply the deferment, and listing my account as past due when it was reported to them through the XXXX that I was a student. 
My most recent problem with this happened in XX/XX/XXXX. I had been enrolled as a student the prior semester, and the deferment was applied. I enrolled for the Summer term, but Navient refused to apply my student deferment. They ignored both my attempts to contact them and resolve the issue and the XXXX data reported to them. They also did not apply the deferment to my federal loans. I do know the XXXX reported my enrollment because another company I have a loan with applied my deferment without me needing to contact them. Instead of applying my deferment or working with me, they listed my account as past due and threatened late fees and negative credit information. 
After numerous attempts through XX/XX/XXXX and XX/XX/XXXX and a complaint with the XXXX XXXX XXXX, they had to admit they did receive the enrollment data and applied the deferment to my federal loans only ( which required no payment at this time as they are on income based repayment and my income is too low to require payment ). They still refused to apply any deferment to my private loan ( the only one requiring payment at this time ). The only reason I was given is that I can't have deferment any longer because they no longer offer NEW loans of this kind. That is ridiculous. Near the same time, I was also told that I have 12 months of forbearance available, which I repeatedly requested. That request has been ignored, with the same person ( XXXX XXXX ) responding to the email but completely ignoring my clear request to apply this available forbearance. I have made it clear repeatedly that I am unable to make the payments at this time. Not only am I a student, but I also do not make enough at my job to afford this payment above my basic expenses. In an effort to avoid the continued threat of negative information on my credit report as a result of Navient 's refusal to apply these payment postponements as agreed, I payed {$300.00} to bring my account current, having to short my rent and go without food to do so. Instead of working with me, Navient has continued to refuse to apply deferments, forbearance, or lower the payment amount. I believe they have reported negative information on my credit report, and are still attempting to strongarm me into payments I can not afford at this time with the threat of additional negative information on my credit report and added fees. I have been honest that I can not afford these payments and have tried to work with Navient, but they have made XXXX effort to work with me or honor the terms of the loan.
Product: Checking or savings account

A checking account was opened in my name and I never received any correspondence from Wells Fargo. The account was closed after 90 days of inactivity. A fraud report was opened and the account was closed.
Product: Debt collection

I was a resident of XXXX XXXX apartments in XXXX XXXX Florida. My son came down to stay with me temporarily while he established housing. Management asked for me to leave based on people reported living in household. I spoke with them stating he would only be there temporarily. Finally, they sent me noticed that they were cancelling my lease and I would have to leave. I complied leaving them with apartment in better condition than moving in and a security deposit of {$1300.00}. I spoke with collection agency on several occasions and they refused to hear any dispute and I was told collection would continue. In addition, they are increasing the amount of collection as time passes and it continues to show on my credit report after 4 years. I owe nothing. I should be showing a {$1300.00} credit. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted police report and file complaint several about the fraudulent items on my report. The following are not mine nor did I authorize. XXXX XXXX XXXX  XX/XX/18 XXXXXX/XX/18 XXXX XXXX XXXX XX/XX/18XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX