23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Received an email stating that if the collections agency did not receive payment they are going to sue me and garnish and confiscate all my wages. Which Im unemployed and they have no legal right to garnish.
Product: Money transfer, virtual currency, or money service

I started using SOLO Funds last year it went well, till one of my loans defaulted. Im now 230 days overdue and I havent heard anything back to when Id receive my lost funds back. I understand theyre under investigation now and are now really just avoiding the complaints through the app. This is ridiculous though my hard earned money that was sent out to collections on day 90 itll be a year pretty soon and nothing. I just hope when that when the lawsuit goes through I get my rightful compensation from this company, maybe bit more for the amount of stress it ensued on my mental health. Thats money I couldve had back to help me bills and other things.
Product: Student loan

I am currently XXXX and Navient has always pushed me into forbearance for paying them back. My current payments will be {$140.00} I cant really afford that. I need to be put in an program that will go off of my pay. The school I was attending when I received the loan is not out of business XXXX XXXX XXXX XXXX it was a total rip off!!! Im not stuck with like XXXX dollars of debt and they did not help me with a job and I was paying payments also to the school thinking it was paying down my debt. The financial aid officer at XXXX was a fraud and she did not explain things to me in a clear and cut matter. I would have never went there if I knew I was going to be in all this debt. I cant even buy a house until I get rid of this debt!!
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XX/XX/XXXX
Product: Checking or savings account

On XX/XX/2021, I opened online a " Beyond Checking '' account with TD Bank. On XX/XX/2021, I opened online a " Beyond Savings '' account with TD Bank. TD Bank promised that, if I had and maintained at least {$2500.00} in qualifying direct deposits within 60 days of opening the " Beyond Checking '' account, I would earn, among other things, {$300.00}. TD promised that, if I deposited {$20000.00} or more in new money within 20 days of opening the " Beyond Savings '' account, I would earn, among other things, {$200.00}. I satisfied all these requirements for the " Beyond Checking '' and " Beyond Savings '' accounts for more than 140 days, but TD has not paid me either {$300.00} for the " Beyond Checking '' account or {$200.00} for the " Beyond Savings '' account. I have called TD 's Customer Service office multiple times, and have been told that I qualified for the {$300.00} and {$200.00} bonuses, and that I would hear back from TD Bank, but TD Bank continues not to make these payments to me.
Product: Credit reporting or other personal consumer reports

This a count was removed and now show back up under a different name this account was open due to fraud and needs to be removed again I never had an account with this Lender. Please remove the following account. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  Account number XXXX Reason : Fraud account and was peroviously removed under the name XXXX. 

The account above was listed and removed from my report due to fraud under the following creditor name : XXXX Account XXXX XXXX Please remove and Prevent this from happening again please
Product: Debt collection

Affidavit of debt validation and settlement was sent out via fax and certified mail. There was no proof of a response mailed back to me. They have continuously said they have sent a debt validation out under FCRA. PLEASE make sure they have proof of this letter not just words saying they have sent it. I would like a certified Mail receipt. Thank you
Product: Credit reporting or other personal consumer reports

I've reached out to the company/ credit bureaus requesting a signed agreement between me and the creditor that is reporting on my credit report. They have not yet to properly verify this debt and I am requesting that it be removed from my credit report. 

XXXX XXXX XXXX Credit Bureaus XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Amounts {$2700.00} / XXXX This company only send me a bill no signed contract. 

XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My debit checking account was withdrawn by chase {$4000.00} After talking to them they said it was a levy The lady gave me a number I called it and it was not working So I called my accountant and we both got on a call with XXXX XXXX & they said I don't owe anything
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I called XXXX   refused to investigate the inquiries put on my credit report and a couple of days before that I had the same problem with Experian they refused to investigate the inquiries that were placed on my credit
Product: Money transfer, virtual currency, or money service

I have a Chime account. I tried to use their pay, anyone feature to pay my grass cutter some money. Because I never used this service before. I decided to send only {$1.00} on this first attempt. Chime reported that the money went to my grass cutter but my grass cutter said that he never received it. Many hours were spent trying to find out where the dollar went to no Avail. 
I asked Chime to refund the dollar. But they refused.
Product: Checking or savings account

im trying to open an account at wells fargo it said i was approved but then turns around amd wont let me open an account
Product: Mortgage

On XXXX I signed closing documents at settlement for refinancing my home mortgage with Carrington Mortgage Company. I signed paperwork which stated my monthly payment would be {$650.00} yet received my first statement stating the monthly payment was {$780.00}. I also received a statement for {$0.00}. No other correspondence from them. Ive called over 20 times and been out on hold for lengthy periods of time, spent 45-60 minutes on the phone with different individuals several times, been transferred to supervisors, given the number for the escalation department and could not reach anyone, told the matter was being investigated and spoken to individual in the expedited concerns/ complaint department, always being left with no resolution although that is what I requested. Carrington admitted human error on their behalf after settlement during an audit which revealed they miscalculated my property taxes and stated this was the reason for the monthly increase of over XXXX on my 30 year mortgage. Before the settlement ( in XX/XX/2022 ) they had just finished a prior settlement with me on the same mortgage but contacted me a week after closing and told me I had to go through settlement again as they were unable to allow the inspection waiver, as signed at settlement, that I had to have an inspection and that my ex husband would not be receiving his cash out payment on time as agreed during settlement, because of another error on their behalf related to XXXX XXXX XXXX XXXX XXXX  updating regulations. I planned accordingly for the refinance based on the amount we agreed on and they changed it without notifying me after signing the legal documents. Theyve been impossible to reach and respond to my request for resolution in the matter as it was their error and we have legal binding agreements. They also gave me less than promised in my settlement check which they later told me I could have been given the option to have the money I agreed to receive or paid it separately to cover the escrow but they took it upon themselves to take the money out of my settlement check without explaining it to me.
Product: Credit reporting or other personal consumer reports

Please delete and remove these inquiries. My information may have been impacted by XXXX data breach and my identity has been compromised which has made my sensitive personal information vulnerable. 

I have no open account ( s ) with any of this company : XXXX XXXXXXXX XXXX  XXXX Inquiry Date- XXXXXXXX XXXX XXXX XXXX- Inquiry Date- XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX XXXX- Inquiry Date XXXX Additionally, I have NEVER been associated with the addresswhich is listed on my credit report : XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, Il XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Per , `` 15 USC 1681 A and 15 U.S. Code 1681i ( 7 ) A- Treatment of inaccurate or unverifiable information the information is found to be inaccurate or incomplete or can not be verified, ( I ) promptly delete that item of information from the file of the consumer. In addition, I did not give written permission to have these accounts furnished on my report.
Product: Credit card or prepaid card

My XXXX payment was marked late even though I mad the XX/XX/17 payment on time and 2 other payments in the month of XX/XX/2017 which I was expecting one to be applied the XX/XX/17 payment and it never was for Capital One acc num XXXX. 
Even though I had made several payments before the due date theymarked my XX/XX/17 payment late. 
you want people to pay on time and when they do you don't apply the payment. that is very deceiving to not post the payment to the next billing cycle. as it should In accordance with the fair credit Reporting act XXXX XXXX  violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
This is my final attempt to resolve this issue before I file a smalls claim case in XXXX NY for the max of {$5000.00} plus attorney fees
Product: Debt collection

Attached is a FTC REPORT which entails how my identity was used unknowingly and illegally. I request the following information be provided showing how this account was determined accurate and allowed to be reported under my name : XXXX copy of the original contract or agreement bearing my signature that validates this alleged debt. 
XXXX records showing how the amount was calculated. 
XXXX of your right to collect on this account. 
Under the Fair Credit Report Act, the information is my right and
Product: Credit card or prepaid card

I have specifically submitted a request to STOP pre-approvals and other credit card offers. Citibank continues to send me " Convert from X card to Y '' offers. These PAPER BASED communications place an unnecessary burden on the recipient to SECURELY dispose of them. Given that most stores/companies charge for secure shredding, these banks should be compensating recipients for the excess paper spam they send on a daily basis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by XXXX XXXX last week that there was a new inquiry on my Equifax credit report, dated XX/XX/2022. I viewed the inquiry and all that it said was " XXXX '' and the date. I contacted XXXXXXXX XXXX directly and they did not show any new accounts or recent applications for credit in their file. They then suggested that I contact Equifax. After contacting Equifax, it was still unclear who pulled my credit and for what reason. They told me that my only recourse was to submit a fraud report and they would look into it. I have not applied for any recent credit, and I did not authorize any company to pull my credit on XX/XX/2022.
Product: Money transfer, virtual currency, or money service

Opened an account with Robinhood on XX/XX/XXXX. Order placed for {$1000.00} of bitcoin that day. On XX/XX/XXXX placed another order of {$49000.00}. Both of those orders were executed on the days they were placed. Also after the last order on XX/XX/XXXX we get an email saying account restricted, cant do anything with it. They sent another email saying that they detected unusual account activity. They would call an action was required to lift the restrictions. Someone called money bank statements ID so all that was given. That was XX/XX/XXXX but those were requested. That very same day we requested someone call us on the app link and they never did. On the XXXX they said we had violated the agreement and that they were going to determine whether or not to close our account but we werent sure exactly what that agreement violation was. On XXXX the XXXX they sent us an email saying they were. They made the decision to close our account. On the XXXX we also got another email saying the order to sale the bitcoin Was executed. Which we did not request. There were several other emails exchanged on for on this XXXX with no real answers. Only if you still have questions or concerns contact us or close your case. Weve sent several messages today, XXXX XXXX and asked repeatedly to have somebody call us and we still get no response just the same. We understand your concerns were investigating if this does not answer your questions then contact us or close your case.
Product: Checking or savings account

I would like to take my money back from my SAVING ACCOUNT more than 10months but the bank refusing to do that.I called them visited to their location a lot of times to solve this problem I provided all my personal information to them so they can verify my indentity and give me my money but they are refusing to do that.Last time they told me that my account is frozen and they can't give me my funds back only security departpment can unfreeze my account so after that they can give me my funds back.I called 100 times to their security department every time waiting time is more then 2 hours and no respond.please help me to solve this problem. 
Thank you
Product: Mortgage

We submitted a complete loan modification on behalf of our client to Specialized Loan Servicing ( SLS ) on XX/XX/2016 with a scheduled sale date of XX/XX/2016. However, on XX/XX/2016 the bank sent us a letter advising they were unable to review the package due to the upcoming sale. My client wants to save her home and in good faith has provided the complete package with ample notice to at least be reviewed and considered for a work out. It is not my client 's intention to delay the foreclosure but merely to find a solution to save her home. While I understand there is a 37 day rule if the bank truly wanted to help the borrower they had ample time to at least review what was submitted and determine if she qualified for any workout solution or offer any alternatives, yet they did n't nor have they provided a formal denial letter. We would like to have the sale postponed in order to give the lender time to review the financial package that was submitted.
Product: Checking or savings account

I make a Deposit ( Check ) in my Bank of America Checking account, and them hold the amount for 12 days, and overdraw the account and charge {$35.00} per each transactions, I call them different time try to make the solution, but they don't do anything about it. Is ridiculous, because the found was take from the other bank the next day ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX an personal credit card account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, and a personal account opened at XXXX XXXX on XX/XX/XXXX with personal loan account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased my leased XXXX XXXX XXXX. At this time, I was not advised that my Auto-Pay would be turned off and that I would need to reset all my banking information. Over the last three months I've been under the impression that my payments were being made automatically. I did not receive an email because my paperless settings were also removed. Over the last three months I have been traveling between the New York, XXXX, XXXX, and Colorado and did not receive letters. XXXX did not call me to advise that a payment was due. 

This morning I received an email from the Credit Bureau advising I had missed a payment. I was completely shocked to see that it was XXXX. I went online and saw I was {$1400.00} past due and paid IN FULL IMMEDIATELY. At this time, the XXXX website is still not allowing me enroll into autopay. 

I called XXXX and they advised that since I went from a lease to a purchased vehicle I needed to have reset all my payment information. I had no idea that this was the case. If you look at my credit history, you will see I've never missed a payment in my life. I'm devastated that this happened and would like something corrected as soon as possible, please.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$5500.00} XXXX XXXX XXXX XX/XX/XXXX Reported Balance {$0.00} These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY
Product: Vehicle loan or lease

I was trying to extended for 3 mouths and they are still sending statements that i have to pay i told them i was unemployed i need a three mouth extension they never help me to get it resolved
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equifax have failed to provide documentation to proof the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX belong to me. I have disputed these accounts directly with all 3 credit bureaus for over 12 months. Further, all of the account numbers at all 3 companies are not verifiable, high balances reported can not be corroborated because I have not received any reply correspondence from these companies!
Product: Money transfer, virtual currency, or money service

The IRA Department issued an improperly payable trustee-to-trustee cashier 's check in the name of an FBO that is NOT me. It also claims that the account number provided by the new custodian was wrong, but that's a load of garbage. The instructions by the new custodian ( that were originals that had been mailed when first received ) had been run through a fax machine at least three times, and it was the bank 's fax machine and procedures that caused the account to appear illegible XXXX made 6s look like 8s ), and none of that matters because the main problem was the payee designation. 

The error was 100 % the IRA Department 's fault, but the IRA Department will not send new funds until the incorrect check is returned. The incorrect check was never in my possession. It was all handled by the IRA Department. 

The IRA Department 's failures should not become my problem. 

Attached are copies of the improperly payable check and the illegible faxed instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report due to my status as a victim of a data breach, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were opened fraudulently as a result of unauthorized access to my personal information.

ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX