23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

on XXXX/XXXX/XXXX a I rebooked and tried to once again pay for a hotel room at XXXX in XXXX XXXX that was denied payment the first time by Wells Fargo Bank without notice and they stated Wells Fargo denied the payment because my debit card had a XXXX limit. I called the bank and they refused to change the limit at all so I could book a new room. They told me to go to the bank and take the money out and pay. I live in XXXX and can not afford to fly to XXXX just to pay for the room. They would not do a one time change just to pay for the room. After a day of phone calls, a bank manager in XXXX where my husband works finally allowed us to raise the limit to XXXX to pay for the room. While my husband was in the bank in front of the bank manager I paid for the room and printed the transaction which showed pending, one for XXXX and the other for XXXX on Monday XXXX of XXXX the transaction is gone. Not pending it is just not there and I have an available balance back to over XXXX . The bank told me it is not there fault and the hotels but it is approved without any proof for me that I paid the bill. It is just gone. They told me before that they own my debit card and my bank account and i just have to wait. What if I lose my room again? They do this with my airline tickets, and cellphone bill every month. This causes overdrafts and shuffling of my transactions out of order of the deposits and transactions made. I have a printout of bank statement for today and XXXX XXXX when I paid the XXXX time. I have no proof of the first time i paid because it disappeared and i did not print it.
Product: Money transfer, virtual currency, or money service

Received notification from XXXX XXXX XXXX that we had an unpaid interim tax bill. Stated they sent it out in XX/XX/XXXX ( we never received this letter, and didnt get follow up until XX/XX/XXXX ). Called our Mortgage company CMC funding to take care of the owed taxes with escrow. Sent them the information to do so. Received another letter in XX/XX/XXXX stating they ( XXXX XXXX XXXX ) did not receive our payment for XXXX XXXX XXXX XXXX. Total now with fees was {$4800.00}. Sent this new total to CMC funding on XX/XX/XXXX. Case manager called and stated that they were working on this to get it paid. XX/XX/XXXX letter {$4900.00}. XX/XX/XXXX rolls around still NOT paid. Contacted them again. Spoke to agent who told me that they had contacted XXXX county and we were all paid up. They were not to contact the county, they were to contact XXXX XXXX XXXX Fast forward to XX/XX/XXXX. Still not paid, and received the 30 day notice that there will be a lien on the house unless I now pay {$5400.00}. Called XX/XX/XXXX and no one has any idea what is going on and why it has not been paid.
Product: Checking or savings account

On XX/XX/2018. I check my bank account and my bank ( wells fargo ) gave all my money to a third party without my consent and at the same time charge me {$120.00} processing fee too. I did not request it or agree with what they did. So my money is given away by them. The same ppl i thought would protect and keep my money safe. Its not the case. It was almost a thousand dollars plus their {$120.00} processing fee. Seems like a money making thing for them slapping me with {$120.00} in which i did not request them to do. Ive talk to them and they just give me the cold shoulders saying nothing they can do. I felt betray by this business. The very one that suppose to protect and keep my money safe and they didnt. and they turn around and made money off of fee on me on the very same matter. Its straight up thievery to me. Hope u guys can help me reclaim my money back. My confidence in banks is all shot up now. I dont know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this XXXX several times about accounts that do not belong to me and are reporting on my credit! This information is fraudulent and i want it investigated and removed immediately off my credit report!
Product: Debt collection

I have received two seperate phone calls and my husband has received one phone call from CKS Prime Investments / Velocity over the past two months regarding a credit account owned by XXXX XXXX. I informed CKS that XXXX XXXX  doesn't live at that number or address and to stop contacting me. I was contacted again via phone and again, I informed them to stop contacting me as the debtor doesn't live here. 

I received mail on XX/XX/XXXX from CKS investments, as well as spam mail from other attorneys regarding an " urgent court matter '' on the envelope. I didn't not open this mail, however I did look up the XXXX XXXX court records and searched the name, XXXX XXXX, that was on the envelope. I found a court record filed XX/XX/XXXX, showing plaintiff CKS Prime Investments, and Defendant XXXX XXXX. ( Attached ) My address is listed on both the complaint and the summons. ( Attached ). This filing was filed after I had already informed CKS that XXXX XXXX does not reside at my address or phone number and to stop contacting me. I have been receiving excessive spam mail from attorneys addressed to XXXX XXXX regarding this case, due to my address being publicly attached to an active court case. I am worried me, my husband and my children will soon be harassed by a process server and / or an officer attempting to serve someone who doesn't live here and I will again have to go out of my way to clear my residence of any legal attachments to this case. 

I have since written CKS ( attached ) and spoken to CKS and XXXX XXXX firm, the lawyer representing them, over the phone ( attached ) requesting my address be removed from the court records to stop the harassing mail and potental service. I was told " We will forward this information to the attorney ''. This was recorded by video. 

As of today XXXX XXXX XXXX  my address is still associated with the open court case in XXXX XXXX court ( XXXX ) that I am not involved in, and a summons is still issued to my home.
Product: Money transfer, virtual currency, or money service

I have been using Venmo for years off an on. My friend sent me money as a favor and when I attempted to withdraw the money it stated that I was unable to do so due to my account being frozen. I attempted to contact their support team and they stated that I would need to send in a photo of my ID to verify my identity. After doing so I was informed that my account had been permanently closed and that I would no longer be allowed to use their products or services. No additional details were given nor has any sort of refund been issued. I now have {$360.00} missing and they stated they *might* attempt to give the money back to me after 180 days.
Product: Credit reporting or other personal consumer reports

I am very concerned because USAA notified me that they have no statements available to be able to verify the account history for these accounts. However, they are reporting these accounts as accurate on my credit report given that they are not able to verify the account history. They are taking advantage of me as a consumer by violating federal law and want to hold them accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a late payment made for XX/XX/2019 with XXXX XXXX. I made my payment timely in XX/XX/XXXX, and I have attached the mortgage information to confirm that I made the payment timely. I am in the process of refinancing with another company and this inaccurate information has had a negative impact on my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX & transunion about these unknown inquiries. I need this removed this is not my debt or doing. This closed account from XXXX XXXX XXXX also is not mines. Please delete this from my report .inquires from XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( closed account )
Product: Credit reporting or other personal consumer reports

I am sure that you aware that current Federal case law states that, Consumer reporting agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed 1681 ( a ) ( 4 ). I have reviewed all three of my reports an noticed inaccurate information that I have asked to be verified an HAVE NOT been properly or formally notified which is against METRO 2 COMPLIANCE. They have NOT provided me, as requested in my first letter a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & amp ; 611 ( a ) ( 5 ) ( A ) ( a consumer contract bearing MY signature ) and under Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act you are required to promptly DELETE all information which can not be verified. 

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

The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more man seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : XXXX XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX No Data XXXX BANK DELAWARE XXXX XXXX XXXX XXXX No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have also been affected nay covid 19 and the Cares act and FCRA state that creditors may not report adverse information during these times.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eleventh endeavor to tell the Credit Bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to a fraud or extortion. I need these items deleted : ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$870.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$4100.00} ; XXXX  XXXX Balance Owed : {$340.00} ; and XXXX XXXX Balance Owed : {$0.00}, as these items are the result of the Identity Theft .
Product: Debt collection

I was contacted by someone who said they worked for " Global Asset Management Group LLC '' and he stated his name was " XXXX XXXX '' His phone number is XXXX. 

He stated my sister used me as a reference and I owed {$2000.00}, that we needed to get a " stop order '' and that his client had tried to serve papers to a family member 's address but was unsuccessful. ( He stated she borrowed the money, used her XXXX XXXX  account as collateral and then closed the account ) He said that we would be going to jail for not showing up at court. 

I looked into the company and they are banned from debt collecting by the FTC for being fraudulent. 

Company website : XXXX XXXX XXXX # Order to cease debt collection with FTC : XXXX XXXX XXXX  FTC Case information : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX {$280.00} XXXX XXXX   XXXX {$960.00} XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX {$530.00} XXXX/XXXX   XXXX {$1100.00} XXXX XXXX XXXX {$93000.00}
Product: Student loan

I have student loans that are being serviced by Great Lakes- XXXX WI. I have always paid on time and am actually paid ahead to XX/XX/XXXX. I am currently paying XXXX per month on auto pay. This last month I paid my XXXX and then also paid an additional XXXX which I did a custom allocation for to payoff my 2 loans that are at 6.55 % interest. When I checked my payment application it shows that only XXXX went to my higher interest rate loans and {$XXXX} went to the 4.25 %, {$XXXX} to the 3.15 %, and XXXX to the other 3.15 % interest rate loan. It clearly states that any additional payments will be applied to the higher interest rate loans and that has not happened the entire length of my loan. I called in several times about this issue and I am always told that they first have to apply my payment to the regularly scheduled payment and then any additional will go to the higher interest rate loans. I advised them that my next regularly scheduled payment is not due until XX/XX/XXXX but they insisted that the next payment will satisfy that payment pushing my due date to XX/XX/XXXX and any additional from that will then be applied to the higher interest rate loans. From my experience, when a loan is paid ahead, accrued interest should be paid and other funds should go the highest interest rate loan but they are not applying the payments this way. I searched online and this looks like many student are being deceived by Great Lakes. There are many complaints with the XXXX. Also when I was on the phone it seems that students that elect to autopay payment are handled differently than those that do not autopay. I was told I can only pay extra on the same date as the autopay to have it apply the way I want it. Because I am on autopay I only get 1 day to pay extra on my loan. People that are not on autopay get a 30 day window to make extra payments and have them apply per their custom allocation and to go to higher interest rate loans. This practice seems deceptive and when students pay extra and get ahead all principle should be going to higher interest rate loans not a regular payment that is due in 2.5 years ( as my student loans will be paid off by then anyway )
Product: Money transfer, virtual currency, or money service

My IRA CD in the amount of {$95000.00} was requested to be transferred to my investment company in XXXX. The account was closed by PNC bank on XX/XX/XXXX and my investment company has still not received the funds. I called PNC bank about this on XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I visited a branch in XX/XX/XXXX. I called XX/XX/XXXX. I sent a Indemnification authorization and it was received XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX. I was to get daily updates which I have not gotten. I called XX/XX/XXXX with no return call. I still have no answer as to when I will receive my money. I have lost 4 months worth of interest and an investment opportunity.
Product: Credit reporting or other personal consumer reports

Chase business credit card services is reporting my business account to my personal credit report which has tremendously affected my credit report. The credit card is for an LLC business account and should have never reported to any of my credit reports. That credit card has belonged to my LLC since XXXX with no late or missing payments. It has never been on my personal credit report till I viewed it this week XX/XX/XXXX. To is information has damaged my credit history and affected other credit accounts.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
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: Mortgage

On XX/XX/XXXX I attempted to speak to Loan Care on behalf of XXXX XXXX XXXX. They stated they had not received a third party authorization that I had already sent. Following this attempt, I called again on the XX/XX/XXXX after faxing in the authorization on the XX/XX/XXXX again. They then said the modification documents I submitted were blurry and so I emailed them to avoid further issues. On XX/XX/XXXX, after my client brought to my attention that Loan Care kept calling him insistently requesting documents we had already sent multiple times, I emailed Loan Care again with a Cease and Desist notice, 2 different forms of authorization and I was confirmed an " LTK '' number had been opened via email. Today, I again called Loan Care and the agent who answered stated that the LTK number I provided ( for which email confirmations are attached ) and she could not give me any information. 
XXXX XXXX is trying to resolve his delinquency before having to face foreclosure action yet Loan Care is making it impossible and almost pushing us to the verge of a case. They are NOT to contact XXXX XXXX as he is represented by an attorney and any and all communication should be through our office, specifically me, XXXX XXXX, as the Legal Assistant handling his file. 

We need a response and an written update to his modification review as soon as possible. We need his account to be updated and show us as a third party authorized and we need Loan Care to refrain from communication with our client.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. O n XX/XX/2019, CAP1/LORD AND TAYLOR add a hard inquiry on my credit report. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Student loan

I hope this letter finds you well. As Im sure you are well aware, XXXX XXXX creditor has forgiven XXXX XXXX of all obligation to pay this alleged debt. I, XXXX XXXX XXXX am relinquished of all obligation to pay this debt, which has been officially canceled by the IRS. I have received my copy b. I no longer am going to allow Nelnet to tarnish my creditworthiness. I am invoking my rights under 15 U.S.C 1681b ( a ) ( XXXX ). I, as the consumer, am giving my clear written instruction to have my Nelnet accounts updated to paid as agreed, never late. Any course of action outside of updating my account to paid as agreed will be willful noncompliance under 15 USC 1681n. I expect my instructions to be met within 30 days from receipt of this CFPB compliant. Any future attempts to collect this debt will be done in the absence of good faith. I appreciate your immediate attention to this matter and anticipate receiving confirmation of my account being updated as I have instructed. Failure to respond in writing to this request within 30 days of receiving this notice will result in immediate action of a complaint sent to the SEC, XXXX.
Product: Mortgage

We were selling our home and needed a closing statement for our Home Equity line of credit of {$250000.00} from Bank of America. The closing was XX/XX/2020. I called Bank Of America on XX/XX/XXXX requesting the closing statement be sent to my Attorney. There was a XXXX  balance on the account and I was told the statement would be received on XX/XX/XXXX. My Attorney did not receive the Closing Statement. When I called Bank of America on XX/XX/XXXX, I was told by Supervisor XXXX there was a {$620.00} early closing fee that needed to be paid before the a the account could be closed. We transferred {$620.00} to the account that day. Again my Attorney did not receive the Closing Statement. To complete the sale of our home and the Title Company had {$250000.00} held in escrow until a Closing Statement was issued. 
I again called Bank of America on XX/XX/XXXX about this matter and spoke with XXXX XXXX and later with Supervisor XXXX. XXXX told me the delays were due to a " System Conversion ''  and we would receive the Closing Statement on XX/XX/XXXX. As of XXXX XXXX on XX/XX/XXXX this account has not been closed and my Attorney has not received the Closing Statement. We were given a Reference Number XXXX when we last called.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent documents disputing multiple fraudulent inquiries associated with my credit report. Ive sent dispute letters to the TRANSUNION bureau. Below are the inquiries and dates they took place. I would like these removed from my credit as soon as possible. XXXX  XXXX  /AUTO XXXX XXXX XXXXCredit union XXXX XXXX/Finance  XXXX XXXX  XXXX/AUTO XXXX XXXX  XXXX  XXXX/Bank XXXX XXXX  XXXX/Bank  XXXX XXXX  XXXX  XXXX/Bank  XXXX XXXX XXXX XXXX/Finance  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/Bank XXXX