23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX  {$750.00} dollars. XX/XX/2021 Acc. XXXX XXXX XXXX XXXX, XXXX, MA XXXX. 

In according with the fair credit reporting act, the above account stated above has violated my rights according to 15 USC section 1681. Which states a consumer reporting agency can not furnish any information on my credit report without my written consent.
Product: Checking or savings account

This is the email i sent to chase addressing my unemployment deposits. 

On XX/XX/2020, Chase restricted access to my account under the information I was given over the phone by a representative that my account was closed. I was told a check was going to be issued to be within 7-10 business days. However, when I called back they told me that my account was under further investigation for my unemployment direct deposits by the NYS. I was owed backpay by the state and my unemployment benefits were released into my checking account on XX/XX/2020. The official record of this is attached. As there are also millions of people receiving backpay on their unemployment account, my case is nothing that should be flagged, and I am very upset that this happened. I have been hung up on by your customer reps, been transferred in circles, and it took me 5 hours to reach someone that could open up my case. 

Since XX/XX/XXXX, I have not been able to make a purchase for food, pay bills, pay for medical necessities, or any daily functions because I only have my debit card to use at the moment. With my funds being restricted without any detailed explanation, no letter, no phone call, nothing, I was left wondering what to do on how to access my account. I would also like to express that this investigation seems highly illegal under the given pandemic circumstances for those who are currently unemployed and receiving unemployment money deposited only to be restricted by CHASE leaving the person without any resources. 

This ordeal has left me in a XXXX XXXX and with the unknown future of how to retrieve my funds, I am left terribly upset as I am not able to purchase food or pay rent. I find this entire process of being bounced around from representative to representative, and even in an person visit to the CHASE branch in New York, to be highly unethical. Not giving a customer a correct answer and how to go about this and not lifting the restriction to ones own account is extremely wrong. 

Attached are the payment history that showed the date ( s ) that my back pay was released via direct deposit from the unemployment website. Please see if you can expedite my case and send a letter or call me with a follow up as I have yet to receive any explanation. I URGENTLY NEED ACCESS TO MY CHECKING ACCOUNT ASAP. 

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

XXXX XXXX XXXX XXXX is in violation of 20 U.S.C. 1232g ; 34 CFR Part 99 and the Privacy Act of 1974. They shared information without my consent and it is damaging my consumer report and my life.
Product: Credit card or prepaid card

I had an unemployment EDD debit call, and I noticed 3 transactions on my card that I didn't authorize. On XX/XX/2021 {$980.00} was taken from my card, XX/XX/2021 {$980.00} was taken, and on XX/XX/2021 {$1000.00} was taken. I called to report those transactions not being my transactions and I have been told my edd account is frozen and I can't dispute the charges until my account is unfrozen. I need help resolving this matter.
Product: Checking or savings account

Upon looking over my account Cash APP i discovered several transactions of large sums of money being transferred to several different people over a period of XXXX weeks. Currently i can not access ( XXXX ) my account show a balance from well over {$3000.00}. The acct was totally highjack leaving me penniless. 
I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was in the process of getting a place to stay as i am XXXX 
I can identify some of the people. They seem to be a group of people orchestrating massive fraud networking. I am also filing a police report as well. 
Your prompt responds to this matter urgent and i will certainly assist the XXXX, XXXX police depart. ONE THE MAIN CHARACTRE PLAYER GOES THE NAME XXXX XXXX ; I
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you 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 an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

i sent all documents to prove that i am the new owner and contracts to XXXX  to update the account with the new account holder as paid in full they have not responded or updated the account.
Product: Checking or savings account

On Tuesday XX/XX/2021 I received a text message at XXXX CST that informed me my balance was - {$0.00} as of XXXX CST. At XXXX CST I deposited {$2.00} in my account and the Available Balance on the receipt showed {$1.00}. 

At XXXX Wednesday XX/XX/2021 I received another text at XXXX CST telling me my balance was - {$7.00} as of XXXX CST. At appox. XXXX CST last night I went to deposit {$10.00} in the ATM to cover it and it showed a - {$42.00} balance. I logged on, and online banking showed it was for {$9.00} XXXX XXXX transaction initiated on XX/XX/2021. That's when I know this was a stacked transaction and I would report it to the CFPB. 

It was not revealed-it was stacked instead to incur the fee, that I would have to then pay. Please have the FULL {$35.00} credited back to my checking account.
Product: Mortgage

We refinanced our home loan and received the same mortgage rate of XXXX and it cost us XXXX - we have tried to get someone at Mr Cooper to explain this for a month- but no one will help - I have even called the XXXX XXXX XXXX many times and he will not return my calls
Product: Credit reporting or other personal consumer reports

This is my Numerous endeavors to tell you 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX RIDGE XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX SYNCB/PAYPAL XX/XX/XXXX
Product: Mortgage

In short : I 've been bait-and-switched by e-rates mortgage. 
I applied for a mortgage refinance with e-rates in XXXX and was offered a XXXX rate. I was told in XXXX that the only pending matters were final balances and an appraisal. On XXXX XXXX I received a refund on my credit card from an appraisal company, with no word from e-rates. I tried to reach the XXXX people I had worked with, by email and by phone, and neither returned my call until I left a voice message saying I would being going to regulators. I received a Tuesday call but when I had heard nothing by Thursday, I posted on the XXXX page of XXXX, through which I first had contacted e-rates. Although XXXX promises to " act as ombudsman '' on all loan through its site, there is zero contact information on its site. Since then I have received a " not-to-worry '' email from XXXX and a call from e-rates offering me " market rate, '' which is currently .1+ percent higher than I was quoted in XXXX. If this is not a bait and switch, I 'll eat my XXXX XXXX diploma. Thanks for your help in shutting down scammers, of which I know this is hardly the worst -- but I bet they 're making a big cash in at the margins.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting accounts that are not verified properly. I have not been given any proof that these accounts belong to me. Also, showing 17 late payments and 10 collections. All accounts were sold to different creditors that I have no contracts with the original creditor nor the companies that the said debt was sold to. All contracts were breach by original creditor when debt was apparently sold to debt collectors that I have no contract with.
Product: Mortgage

On XXXX XXXX, I received a call from XXXX XXXX, XXXXXXXXXXXX, at XXXX XXXX XXXX ID XXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, VA XXXX XXXX XXXX Tel XXXX | Fax XXXX to refinance my home. I was reluctant to refinance with Wells Fargo because they declined my application a year ago and returned my appraisal fee. After he offered to shorten my payoff from 24 years to 20years and lower my interest rate. I was excited for a second chance to refinance so I agreed and he sent me a Wells Fargo link to log into to submit required documents for approval. They sent me an email with a few appraisal companies to appraise my home and the cost of the appraisal was {$510.00} because he stated that he could not go forward without the appraisal fee. After I chose the appraisal company, XXXX XXXX and Escrow ( XXXX ) XXXX in XXXX XXXX., XXXX XXXX asked me to write the check to Wells Fargo , which I did. I did not receive a receipt or a statement about appraisal refunds I was not approved but when I asked about it he assured me that I would get approved. As weeks went by, after they received my check, they kept asking for more documents and went as far as to ask my husband for documents even when his name was not on the refinance application. I felt that XXXX XXXX was delaying my application so the 90 day time frame would run out. Just as I thought, I received a call from XXXX XXXX onXX/XX/XXXX stating my loan was declined because my husband did not make enough money. I asked why didnt you tell me this earlier and you assured me that I was going to be approved and when I asked for my appraisal payment to be refunded, he told me the company will not refund my money and there was nothing he could do. I am writing you hoping you can investigate this issue because when I applied for a refinance with Well Fargo a  year ago and was declined, my appraisal was refunded within 30 days. I feel I was scammed and is very disappointed with what just happened to me. Please help. <P/>Others Involved : XXXX  XXXX XXXX  XXXX
Product: Debt collection

Received a phone call identifying herself as a county server attempting to obtain signature at my home or my job In order to not process documents so I dont miss my court date. Indicated that if I dont cal their number and provide file number ( no file # provided ) court proceedings will continue without my presence. Call received from XXXX. Asked to call XXXX. Person to call was XXXX XXXX. 

When I called the number a man answered and said my husband owed them, they had several conversations. Not true. 

When told to put info in writing and send through mail, he hung up.
Product: Payday loan, title loan, personal loan, or advance loan

The first loan I applied for was a XXXX XXXX XXXX loan it was denied for insufficient income ; i disputed it, at that time The home I had under contract ended up being XXXX XXXX. I disputed Navy Credit Unions decision for the amount of XXXX XXXX I got a denial letter stating they didnt receive my income. The next loan I applied for was the business line of credit ; I was denied for being an Outside Risk. Recently after being told I can apply again I've applied for an XXXX XXXX dollar auto refinance and was denied. I have an recording on the matter of me asking about being considered an Outside Risk. I will get the other dates and send them in.Thank you...
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have submitted payments for our mortgage through bill pay using XXXX bank for years. Our XXXX payment was sent to Shellpoint Mortgage on XX/XX/XXXX in the amount of {$3000.00}. The payment went through and money was removed from our account. 
I was notified via email that the payment was not received by Shellpoint in XXXX. I submitted documentation of the bill pay and our bank statement to Shellpoint using their web portal on XX/XX/XXXX. 
I have called Shellpoint 4 times in the past 10 days. They are telling me they can not locate the payment as the address for their billing/collections changed. We were not notified of this ahead of time. We have since changed our bill pay to the correct address. 
Shellpoint has told me they can not locate my payment and my only option is to submit another payment for XXXX XXXX has said there is no way to get this money back to our account without Shellpoint issuing a refund. It seems wrong that I have to pay twice for my mortgage for XXXX because Shellpoint lost my initial payment.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that is still open. 

It's been almost XXXX  days and XXXX and XXXX were able to delete those inquiries that I have disputed with them. They were able to provide the resolution within a few days. I don't understand why you are making it hard for me to request to remove these inquiries on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have money missing from my checking account between XX/XX/XXXX thru XX/XX/XXXX. They are money transfers that I did not make. As a matter of fact, I have never made a money transfer.

The dates and amounts are as follows : XX/XX/XXXX {$300.00} XX/XX/XXXX {$4000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$6000.00} XX/XX/XXXX {$3000.00} XX/XX/XXXX {$3500.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$5000.00} XX/XX/XXXX {$24000.00} XX/XX/XXXX{$2000.00} XX/XX/XXXX {$1600.00}
Product: Credit reporting or other personal consumer reports

TransUnion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FRCA ) to conduct reasonable reinvestigation of disputed information on credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Bureau ( CFPB ) has recently filed a lawsuit against TransUnion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where TransUnion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as TransUnions inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

To whom this may concern, On Tuesday, XX/XX/2021, I sent a wire transfer of {$750.00} via XXXX. To a merchant ( someone I knew ) to transport my vehicle from XXXX  to XXXX. The merchant and I set a date for the vehicle to be picked up from XXXX. On that day, the merchant stopped answering my calls/ text messages and I never received my vehicle or money. I asked the merchant for a refund, however i did not receive a response. I was stuck having to pay another car company for the transport and out of {$750.00}. On Friday, XX/XX/2021, I contacted my bank where the XXXX was sent from which is USAA. To report a fraud claim and have the funds returned. I was notified by USAA that the funds could not be returned due to XXXX policy. Ive tried calling USAA to speak with mutual representatives about the situation and continue to receive the same answer. Now Im currently in a financial crisis due to the loss of {$750.00} from the merchant. Also, upset because, I thought my bank would protect me in this type of predicament.
Product: Checking or savings account

LAST TRANSACTION:XX/XX/24- {$55.00}. TRUIST HAS FRAUDULENTLY TAKEN MONEY OUT OF 2 OF MY ACCOUNTS FOR MAINTENANCE FEES ( UNAUTHORIZED ) PAYROLL FEES FOR APPROX. 4 YRS. ( THIS HAPPENED UNDER SUNTRUST BANK PRIOR TO THE MERGE W/BBT BANK DURING COVID-PANDEMIC-WHEN BANKS WERE CLOSED AND ONLY DRIVE-THRU WAS OPEN ) .PER THE BRANCH MANAGER-XXXX  XXXX, I ENTERED THE BRANCH ON XXXX XXXX GA & SHE ALONG W/BANKER XXXX SET UP SERVICES TO INCLUDE PROOF I HAVE OF EMAILS DIRECTLY FROM XXXX WHICH WERE SUBMITTED TO TRUIST AS EVIDENCE. I CONTACTED TRUIST ON XX/XX/24 AFTER SEEING UNAUTHORIZED FEES OF {$55.00} DRAFTED AND WAS TOLD IT WAS FOR PAYROLL SERVICES THAT I DONT HAVE. MY BUSINESS DOESNT USE PAYROLL AS ALL EMPLOYESS ARE STAFFED THRU A TEMP SERVICE. I WAS TOLD THAT I NEED TO GO ONLINE TO CANCEL AND CALL THE TRUISPAYROLL DEPT. AT XXXX. THIS NUMBER IS MISREPRESENTED BY TRUIST BANK AS THE CALL IS PICKED UP BY TRUIST PAYROLL DEPT, HOWEVER, THE EMPLOYEES ASSOCIATED TO THAT NUMBER WORK FOR A 3RD PARTY COMPANY CALLED XXXX. THIS WAS NEVER REVEALED UNTIL I CONTACTED TRUIST FRAUD DEPT AND WAS GIVEN THE " TRUIST PAYROLL DEPT '' # ABOVE. ALSO, AFTER CALLING THE " PAYROLL DEPT '', I SPENT 4 DAYS TOTALLY 8 HRS SPEAKING TO XXXX, XXXX AND MORE REPS WHO GAVE MANY INTERNAL CASE # S:XXXX & XXXX. I WAS TOLD I WOULD RECEIVE A COURTESY 3 MTH CREDIT AS THE CASE IS BEING ESCALATED. THE TOTAL FRAUD DRAFT WAS {$3300.00} AND AS OF TODAY, I RECD {$55.00} CREDIT AND XXXX XXXX AT XXXX ESCALATED THE FRAUD AND CREDITED {$500.00}. I REC 'D ANOTHER DRAFT IN XX/XX/24 AND TRUIST CLAIMS ITS FOR PRIOR MTH CHARGES. THIS COMPANY CONTINUES TO DRAFT FEES UNAUTHORIZED. I REQUESTED DOCS FROM THE PAYROLL DEPT. WHICH THEY CLAIM WERE SIGNED ELECTRONICALLY & NO ONE WILL SEND COPIES WHICH WERE NOT SIGNED ELECT. BY ME BUT FORGED BY THE XXXX XXXX. BRANCH. I WAS TOLD BT TRUIST FRAUD THAT PAYROLL HAS A PAY AS U GO OPTION WHICH IF I USED THEIR SERVICE, WOULD'VE CHOSEN THAT! I EXPECT A REFUND. 
REFUND THE REMAINDER BALANCE OF {$2800.00} FOR PAST UNAUTHORIZED FEES AND {$55.00} FOR THE DRAFT ON XX/XX/24 IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX  XXXX  Account XXXX Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 than 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.
Product: Payday loan, title loan, personal loan, or advance loan

Payday loans targeted me with exorbitant interest rates of 566 %, trapping me in a cycle of debt. As a veteran, I was misled by deceptive practices and hidden fees, making it impossible to repay the loan without facing severe financial hardship.
Product: Credit card or prepaid card

Around XXXX of XXXX, I informed Bank of America that I expected to have difficulty in the near future continuing to make my payments on my credit card with them, due to issues with my college. I was told that they could not offer me any options until I was behind. As my area was impacted by a hurricane in late XXXX or early XXXX, I was able to get payments postponed for two months with no ill effect at that time. Afterwards, I was behind, and went to my local branch in hopes of assistance. I was then told that they could not help me because I was behind ( whereas previously I was told they could not help me until then! ), but was provided with the hardship phone number, who was also unable to help me due to lacking income at that time. At some point late in the year, XXXX or XXXX, I don't recall exactly how, I managed to get in touch with XXXX XXXX, in Executive Customer Service. 

He seemed to be understanding of my situation and we discussed that I would have approximately a XXXX coming back from my tax refund in XXXX or XXXX of XXXX. He stated that he would have the ability to offer me something I could manage at that point in time. When I called his office back after receiving my {$900.00} tax refund, which I had already specified I would not be able to use all of it towards my balance with Bank of America, I was informed that no options were available to me other than paying {$3500.00} to clear the whole balance of {$6500.00} or so. 

I was very clear that I was willing to work with them if they were willing to work with me, but they moved the goalposts repeatedly and prevented me from making a payment when I had the ability to do so, claiming it would not be enough. I was also very clear that due to how I had been treated during this process, that if they sent it off to a collection agency, they would never see a dime from me. It was sent to a collection agency some time in the middle of XXXX, at which point I ignored it entirely. Now they're trying to take me to court over it ; they've even filed, which I learned from a local lawyer who was reading recently filed cases, as I have not yet been served. 

My position is that the debt is completely nullified due to Bank of America 's failure to hold up their end of the contract and work with me on a payment arrangement when I had the ability to do so ; that I told them how much I expected to have and when, had that amount at that time, and although they claimed they would make an offer I could manage at that point, as they were lawfully required to do, they deceived me in doing so and have thus voided the contract.