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

I went to on to my account after a very long time of no activity due to being under a drs care for XXXX, it was then I saw my account had been closed because someone cashed a bad check with my account. I wrote to Pen Fed disclosing this information and asking them to fix this and instead of doing so they went and sold the debt to a debt collector. This error happened over a year ago this bank purposely sold the debt to cover their XXXX and not protect the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up to be the cosigner for a loan, servicer Launch Servicing LLC ( on behalf of XXXX XXXX ), for career training for the primary borrower. The primary borrower declared bankruptcy this year prior to the first payment of the loan coming due. The account was listed as in default in XXXX of 2022 but when asked about this Launch stated that this was an error, the loan was in fact NOT in default and the status returned to deferment. I received a notice dated XX/XX/2022 stating that since the primary borrowers bankruptcy was discharged I would now be solely responsible for the loan. It should be noted that this is the last correspondence I received from Launch and any further contact has been initiated by me. I was aware that this was the case so I was logging in the check the status periodically in preparation of the first payments due date. I checked in early XXXX and saw that the balance was showing as {$0.00}. I called in to inquire as to why that is and was told that the lender had decided to discharge the loan. I was not given a chance to make payments per the agreement I signed ( all cosigner related documentation attached ). They have not given me the opportunity to fulfill my obligation to pay and have reported the account as charged off on my credit report unfairly. I contacted Launch and requested they reopen the account, allow me to make the payments and remove the report from my credit report. They have refused to reopen the account and claim that the report is just. The survivability clause in the credit agreement states that the original agreement stands even in the event of primary borrowers bankruptcy making this report unfair as they stole my ability to make the required payments. Launch has stated that it is XXXX 's policy to charge off the account in the event of primary borrower 's bankruptcy but this is not stated in any of the loan documents that I or the primary borrower signed. They have violated the initial agreement. Proof showing that the account was never in actual default attached despite their claims when I call in that the account was in default at one time
Product: Bank account or service

I was notified via email of XXXX transactions on Sunday, XXXX XXXX which I did not authorize. I immediately called Capital One 360 to inform them of the charges. The total had already been removed from my available balance. I was told that I had to wait until XXXX for the charges to post and then I could make a dispute. I was told that it could take up to XXXX hours to complete the dispute and for the funds to be returned. This caused a separate credit card payment to be returned. I filed a police report and called on numerous occasions to resolve the issue.
Product: Credit reporting or other personal consumer reports

On XXXXXXXX XXXX  I requested a copy of my Early Warning services report. It has come to my attention that XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX  or unlawfully selling and disclosing my Nonpublic Personal Information. My social security number account, account number, transaction history, and private banking account history are all being sold and disclosed with non affiliated third parties without my consent. According to 15 u.s code 6801 each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers Nonpublic Personal Information. It also states in 15 u.s code 6802 part ( B ) A financial institution may not disclose Nonpublic Personal Information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously disclose to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under 15 u.s code 6804 that such information may be disclosed to such third party : ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an expectation of how the consumer can exercise that nondisclosure option. 15 u.s code 6803 Disclosure of institution privacy policy. A financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or electronic form. According to 15 u.s code 6805 it is the duty of the consumer financial protection bureau to enforce the above stated codes.It is a violation of the Privacy Act Of 1974 which is punishable up to XXXX per each violation. The Privacy Act prohibits the disclosure of a record about an individual from a system of records absents the written consent of individual.
Product: Debt collection

They are not answering to my calls and not replying to my messages.
Product: Checking or savings account

XXXX XXXX sent a fraudulent check for {$1700.00} to Chase Bank. I called Chase agent on XX/XX/18 at about XXXX and told them there may be something coming thur. The agent ask me what is check number. There is no check. She said we can not stop any funds unless we have a check number. She than said watch you account and if you see anything come thur, call Chase and then you can stop the funds because it will be pending. I said ok. On XX/XX/18 at XXXX XXXX I looked at my Chase checking account, it as debited {$1700.00} plus a {$34.00} insufficient funds. My checking account had about {$750.00}. But Chase paid out a {$1700.00} fraudulent check and then said I ow {$1000.00}. Plus {$34.00} over draft. I called Chase up, that morning and ask them to stop that the {$1700.00} check because it was fraudulent. Chase told me the checked cleared and they can not stop it now. I told the chase agent why did you clear that check because I told them the day before it was fraudulent. Why did you not call me up and ask me if they should pay it out since I did not have enough funds in my account. Chase said it up to us to pay it out. I cant believe it. I restricted my account because Chase would not close this account because there is a $ XXXX. balance. Chase paid a fraudulent check. 
The check was made up by XXXX XXXX and said client does not have to sign the check. That should have raise flags. Chase action is also fraudulent. 
Im XXXX, XXXX XXXX XXXX And a Vet. 
Please help me Im attaching a copy of the check. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items is 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

XXXX ) Experian is hurting my credit. It's reporting 2 inquires on XX/XX/XXXX and XXXX, XXXX with XXXX XXXX for the same credit card application. I only applied once. 
XXXX XXXX XXXX XXXX XXXXXXXX is wrongfully reporting on XX/XX/XXXX an inquiry I didn't requested. 
XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX and XXXX XXXX XXXX XXXX account # XXXX are reporting that I was 30 days late in XX/XX/XXXX. That is incorrect. 
XXXX ) I tried multiple times to fix the problems that are hurting my credit with these companies without any luck. I'm asking you to please request them to delete the inquires and wrong information to clean up my credit report.
Product: Credit card

Barclays Bank does not care about its customers. Despite being an excellent customer with excellent credit for over 20 years, Barclays Bank cut my credit limit from {$15000.00} to {$3000.00} because " of low credit usage ''. The adverse result was my credit score went down 3 points since this made my credit use to credit limit ratio appear higher. Living in Florida, I purposely maintain a high credit limit as an emergency source of immediate funds in the event I need to pay my high home insurance deductible right away in the event of hurricane damage. The state of Florida was already under a state of emergency due to Hurricane Helene at the time. Two weeks later Hurricane Milton devastated millions of homes. I contacted their customer service and asked them to reverse the credit limit back to the higher limit. The response from three separate managers was that I would have to re-apply and they would pull my credit and process a new application. I have worked in the financial industry my whole life, so I know that would again cause a decrease in my credit score. Since they did not have the authority to do the right thing, I contacted the Office of the President. When I received a phone call it was not from the President, XXXX XXXX, but another customer service manager who also failed to recognize that their actions harmed a good customer, refused to reverse the action, and offered only the same solution. I informed her that that was not acceptable to me, nor is it acceptable to treat loyal customers this way. The only explanation she offered was that they perform internal data mining to determine in bulk what accounts aren't using enough credit for their liking and likely, profitability. I've worked for large banks, regional banks, community banks, federal credit unions and state-chartered credit unions. I know the same techniques are used when banks decide to cut the credit limits on customers who appear to be using their available credit too much. This they do to mitigate potential losses. It has a negative affect on customers ' credit ratings and causes other creditors to follow suit. On behalf of Florida homeowners, I provide this information to consider when choosing what bank deserves your business. My advice is to use small banks or credit unions that do not treat you like a piece of data. I already applied and obtained a new XXXX credit limit from XXXX XXXX Bank. I told Barclays, I will cut my usage on the XXXX accounts I have with them and give my businesses that understand the needs of the people whose business they seek treat loyalty properly. They responded again with a call from XXXX, XXXX in the " XXXX of the XXXX '' with the same offer. She lied & said they can't change the limit back. I know all it takes is XXXX operations or branch XXXX with authority to change the field in the system, as I have had that authority myself.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I asked my son to deposit a check for {$7900.00}. into my bank. By error he depostied it into his bank, Ameris Bank. On his way home, realizing his mistake he called Ameris. He was told as soon as they empty the ATM, they would call him and he could retrieve the check. Later the same day, he called back and was told the check was destroyed. I went to Ameris Bank on XX/XX/XXXX and was told by XXXX that my check had been destroyed, no copy or photo was available. I have a copy that the ATM made and clearly the check is made out to me. I want me check back. In XXXX I filed a complaint with Ameris Bank and have heard nothing.
Product: Money transfer, virtual currency, or money service

I received a letter claiming I had an inactive account with Bank of America. I gave my social security and I know that wasnt the right decision. I am unable to get in touch with Bank of America seeing as though my account number on the letter is not being accepted in the help hotline call which is needed to get through to speak to an operator.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never communicated with Westlake Service Inc. on XX/XX/2022 and provided any of my personal information ( violation of 18 USC 1028 and 18 USC 1029 ).
Product: Mortgage

I just got another letter from Nationstar stating that they received an application from me for a loss mitigation option. I never discussed loss mitigation option with anyone at Nationstar nor applied for it. I have no idea of what they are talking about. Again, and it is crystal clear that this is their scheme to steer me away from the HAMP Loan Modification I applied for XX/XX/XXXX which Nationstar have been processing before XX/XX/XXXX and even after XX/XX/XXXX when they took it over and is still in progress and is yet to resolved. Attached is the letter I received from Nationstar Mortgage.
Product: Debt collection

The company Apelles is harassing me by calling my phone number for a debt that is not mine. The company continues to call asking for a person named XXXX XXXX. I am not XXXX XXXX. the phone number they are calling is not nor has it ever been XXXX XXXX 's. my name is XXXX XXXX. I have no idea who XXXX XXXX is. I have had the same phone number for over 20 years. I have called the company Apelles and told them that they have the wrong the number. They state that they will put it on their records and stop calling, however they keep calling me.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I am had my direct deposit onto cash app and then I went to transfer {$1400.00} to my new but didnt realize my old XXXXXXXX XXXX XXXX that is not active attached to cash app so it went there. Cash app told me XXXX has to release to funds and XXXX is saying they never got the funds.
Product: Student loan

I have been paying SallieMae ever since my forbearance ended in XX/XX/XXXX. It started out with {$720.00} from XX/XX/XXXX to XX/XX/XXXX 
In XX/XX/XXXX, I successfully paid off XXXX of my XXXX loans. That brought my new monthly payment down to {$670.00}. As a result, I began paying this {$670.00} in XX/XX/XXXX. 
Never has Sallie Mae put in any hidden fees I knew nothing about. Never have they adjusted anything. 
Then in XX/XX/XXXX, I saw that i had to pay XXXX, I did n't look into it, I figured that it was n't a big difference from {$670.00}. I continued paying this new {$670.00} from XX/XX/XXXX, when it began, to XX/XX/XXXX. 
On XX/XX/XXXX, it raised to {$680.00}. I paid it and now i see it again, {$680.00} for XX/XX/XXXX. I am worried that it will raise again. So i decided to check over my online statements, I had no late fees and NO explanations in the calculation. 
I decided to call and inquire. I ended up speaking to a rep named XXXX at XXXX on XX/XX/XXXX and he said " based on the economy, your loan interest can increase ''. 
Now, I do n't trust SallieMae, it is bad enough that I pay as much as I do and I can not do anything about it. But I would like further investigation. The last thing I need is to get screwed over by these criminals. I do not see why I have to pay for the economy. As far as I know, the economy fluctuates as it always does. My payments have never ever decreased, but all of a sudden they increase it. This simply does not sit well with me.
Product: Mortgage

Promised me a trial payment period for modification that I had already done with 4 other servicers only for this to end with eviction. They still have money that they never even applied to my account point of contact never answered or switched to many times.. I would like to see them fix this .. before they make a XXXX XXXX XXXX homeless
Product: Money transfer, virtual currency, or money service

PayPal accepted funds of XXXX from XXXX XXXX XXXX on an account that was inactivated in XX/XX/XXXX. They DID NOT contact me by email or phone with instructions on how to get the funds. The account is inactive, to activate I would need to add new credit card and bank statement. This is a violation of my privacy, and I DO NOT want a PAYPAL account. They contacted me today, the FIRST Time since XXXX XXXX transferred the money on XX/XX/XXXX. They have sent two account statements indicating that I have a XXXX  Balance. I would like PAYPAL to send the money, I do not want to use PAYPAL, store the money with PAYPAL, give PAYPAL a bank statement or credit card information. The account is inactive because I DO NOT use PAYPAL. They noted that the account was created in XX/XX/XXXX and inactive since XX/XX/XXXX. I DO NOT want to be compelled to use PAYPAL because they accepted money on an account that was closed, and then did not contact me to make arrangements to get the money. I have contacted them several times and also have attempted to login. I can login, but then they are asking me to upload a bank statement and additional information. If the inference is that once you open a PAYPAL account you can never close it, that seems illegal. PAYPAL has not contacted me about this matter, telephonically or by email. They have a message that they are busy and it is best to contact them using their website. It is difficult to get through to them, and I can not send a message through their website without uploading personal information they are asking for to reactivate my account. I DO NOT want my account reactivated!. I WANT my money. They SHOULD NOT have accepted and not notified me, since the account is inactive. They response they provided is inaccurate and does not address the issue. I WANT the money they were sent, and they are not facilitating me getting the money from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX .... Balance : {$30000.00} ; XXXXXXXX XXXX XXXX Balance : -
Product: Debt collection

Around XXXX XXXX I contacted collection agency Peroutka, Miller and Peter PA to settle the XXXX XXXX credit acct and I was told by their representative that when I paid the {$10000.00} that they would delete this account from the three credit reporting agencies ( XXXX, XXXX and XXXX ) and the original lender XXXX. Also, I was told that if I didn't pay they would garnish my wages and income taxes. 

However, when I reviewed my credit report I noticed that XXXX XXXX  act # XXXX is still reporting on my credit report after paying the {$10000.00} as instructed. Secondly, based on the agreement with their representative I'm respectively requesting that they honor the agreement and delete this account from all three credit bureaus and have the original lender delete the account. I would have not paid the account off if not assured that they would honor it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo put my mortgage account into forbearance without my knowledge. All payments have been made on time and I have never missed a mortgage payment. Wells Fargo claims I agreed to have deferred payments due to Covid19. I never signed or verbally agreed to anything regarding Covid19. Hence never missed a payment. I did not need any assistance due to the pandemic. Now my credit report is showing Wells Fargo account in Forbearance and affecting me when applying for other credit. I've reached out to Wells Fargo numerous times and still haven't heard back or have had the problem resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX have no regards or cares for the inaccurate information they are reporting to my credit. The customer service is rude, incompetent and neglectful. I have asked for evidence they have quote received from data furnishers regarding inaccurate information on my report multiple times and they have been unable to do that. There is a combination of innacurate/not updated information on my reports as well as problems with fraudulent accounts. There's also an account on my credit involved with litigation that should not be reporting on my reports. I want the information uopdated immediately before I have to sue these fraudulent companys for violating the law.
Product: Checking or savings account

ON XX/XX/2022, A WITHDRAWAL FROM OUR ACCOUNT WAS MADE IN THE AMOUNT OF {$4000.00} AT A WELLS FARGO BANK, XXXX XXXX XXXX XXXX, XXXX, TEXAS, XXXX. WE LIVE IN FLORIDA. ALTHOUGH THIS WAS AN UNUSUAL WITHDRAWAL, NO ONE FROM THE BANK CONTACTED US. WE FOUND THE ISSUE WHILE PREPARING TO PAY BILLS AND FILED A FRAUD CLAIM. WE RECEIVED A LETTER FROM THE BANK DATED XX/XX/2022 THAT THEY WOULD NOT REIMBURSE US. THE BANK DETERMINED THAT IT WAS NOT FRAUD AND THAT I HAD TAKEN THE MONEY OUT, WITHOUT ANY CONVERSATION WITH ME. I ASKED FOR THE EVIDENCE ON A CALL TO THE BANK 'S CLAIMS ASSISTANCE CENTER-CHECK FRAUD CLAIMS DEPT ON XX/XX/2022 AND WAS TOLD BY " XXXX '' THAT IT WOULD TAKE 30 DAYS TO SEND WHAT ASSURED THEIR DECISION. THIS INFORMATION NEVER CAME. 

SHE TOLD ME AT THAT TIME THAT THEY HAD CCTV EVIDENCE AND " MY STATE ISSUED ID ''. I HAVE BEEN IN MY POSSESSION OF MY BANK CARD, STATE ID, AND WAS NEVER IN TEXAS. THE CCTV WOULD PROVE THAT IT WAS NOT ME AT THE BANK AND THE SIGNATURE COPY THAT WE GOT FROM THE BANK DOES NOT LOOK MINE. IT EVEN INCLUDES IN THE SIGNATURE MY MIDDLE NAME THAT I NEVER USE AND HAVE NOT USED AT THE BANK. WE WENT TO THE LOCAL BRANCH AFTER REPORTING THE CRIME TO OUR LOCAL POLICE AND OBTAINING A CASE NUMBER ( XXXX ) THAT INIATED A " POLICE REPORT '' ON XX/XX/2022. THE BRANCH MANAGER WOULD NOT RETURN THE MONEY AND TOLD US THAT WELLS REFUSED TO REOPEN THE CASE EVEN WITH THE KNOWLEDGE THAT WE HAD FILED A POLICE REPORT. WE ARE TOLD THAT THE CASE HAS BEEN TRANFERED TO TEXAS. ON XX/XX/XXXX, WE CLOSED OUR ACCOUNTS AT THE BANK. 

I AM FILING THIS CLAIM AGAINST WELLS FARGO IN ORDER TO HOPEFULLY GET OUR {$4000.00} REIMBURSED.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX