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

On XX/XX/XXXX or XXXX, I received a direct message via XXXX from a supposed painter. They had mentioned that they wanted to use a specific picture I had posted to make a painting. Since I had no problem with it, I had agreed. XXXX, the painters name, had said she was required to send me money because of protocol. I had sent her basic information to contact me to go further. When the client ( who was paying for the painting ), XXXX XXXX, had messaged me, he sent XXXX back to back checks to deposit via email. When I deposited both checks, they were placed on hold. Chase had said the check amount would be available a week after the check was deposited. Messaging the client, he had said that was fine and normal. Later, XX/XX/XXXX, Chase emailed saying I had insufficient funds due to the check removing {$500.00} instead of adding. When I brought this up to XXXX, he had the - {$500.00} removed some how. After this happened with the XXXX check, he had mentioned to deposit another XXXX to get the pairing project started. The same issue kept happening. Therefore I had called Chase to remove the most recent checks on XX/XX/XXXX, because I would not have cell service that weekend and I was frustrated dealing with the same issue despite the clientele changing etc. The representative had mentioned that out of the XXXX checks I deposited the first one would be removed and when the second one goes through, they made a note to remove it. I was not made aware of any fraud or fraudulent activity in my account by Chase, I only received letters stating the checks were removed from my account. On XX/XX/XXXX, I had attempted to make a payment at XXXX XXXX, however, it said not authorized. When I called my bank about my account, they said that my account is closed due to fraud and nothing can be done. I asked if there was anything I can do or resolve, but the representative said I couldnt and I could not open another account at Chase. In search of a new bank account due to this because my job needs to deposit money in my account, I went to XXXX XXXX ; however, the banker said my name/SS is not passing the background check. Chase did not mention any of this to me prior
Product: Mortgage

Reduction in my yearly income of {$XXXX} Unable to pay mortgage since XX/XX/XXXX House on for Sale XX/XX/XXXX Have been negotiating with Carrington Mortgage Services ( CMS ) and XXXX XXXX XXXX for approval for a short sale. 1st proposal submitted to CMS in XX/XX/XXXX was denied - because sale price was low - ( 1st Buyer left contract ) Denied again in XX/XX/XXXX due to my Credit Score of XXXX - CMS stated that my credit score needs to be below XXXX - ( 2nd Buyer left contract ) Denied in XX/XX/XXXX - Credit score XXXX - CMS stated that my credit score is still too high - ( 3rd buyer still on the contract )
Product: Credit reporting, credit repair services, or other personal consumer reports

Target is reporting 2 late payments from 2020 & I was not late the lady took the wrong account number, it was off by one number
Product: Mortgage

This is regarding Carrington mortgage and our loan number XXXX. We received a letter from Carrington mortgage back in XXXX indicating that we had a lapse in our homeowners insurance. We sent Carrington Mortgage proof of our continuous coverage that we had with XXXX for the last five consecutive years. Our agent from XXXX XXXX also sent them proof twice as well as spoke to them on the phone. We started receiving harassing collection calls, even though we continue to inform them that we had sent proof of insurance. The reason why we were getting collection calls, is because, they were taking our mortgage payment and applying it to something called forced place insurance. They set up an escrow account for us without our authorization and started taking our monthly mortgage payments and applying it to this force place insurance. Our mortgage payment comes out of our checking account automatically every month. We have been homeowners since XXXX  and have never made a late mortgage payment. We have spoken to Carrington mortgage 15 different times speaking to various collection, specialist, escalation, managers, and supervisors. We have kept copious notes on these interactions, and Carrington mortgage has informed us that they also keep notes and they can see that we have made a significant number of phone calls trying to rectify the situation. By them taking our mortgage payment and applying it to force place insurance, this is caused our mortgage payment to go unpaid. Over the last few months we have continued to provide them with the information needed, and they are even telling us they can see they have what they need from us. They just reported a 30 day late against our perfect credit and are telling us that they have submitted a dispute but they are not guaranteeing that its going to rectify the situation. They even took overages in an escrow account and applied them to principal only. I would never pay principal only when my rate is under 3 % and we get 5.25 % in our savings account. It is very clear that their various departments can not communicate with each other and now our credit has been impacted negatively. We have spent months trying to correct this with them to no avail. We have records of countless hours on the phone with them and nothing is changing. We need your help as this issue is 100 % on them. Thank you.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Accoun # XXXX XXXX XXXX  XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A states i have the right to privacy. 

15 U.S.C 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

This complaint is against Experian ID Restoration Services relevant to their False Advertising. Experian advertises a XXXX XXXX liability Insurance Policy, to cover any expenses or losses which take place while you are utilizing their services as a member. They fail to mention that they utilize a second rate Insurance Company to pay their claims. The name of the Insurance Company is XXXX XXXX XXXX XXXX XXXX XXXX  ( an XXXX XXXX ). This Company has a history of failure to honor claims. XXXX XXXX XXXX stated Stupid reasons in their failure claims, even when the record plainly shows their error. They tend to state that the losses did not take place when policy was in force, they disregard bank records which show they are wrong. Dealing with identity theft is stressful enough, without dealing with an Insurance Company which tends to deny claims, and fails to communicate other than to deny claims, and fails to work with the customer for a Resolution. Many of their Customers have had this same problem, with XXXX XXXX XXXX failure to honor contract!!!
Product: Credit card or prepaid card

I asked for a refund of {$70.00} which is an XXXX XXXX cleaning service total. I asked for this money back as there were finger nails, 2, on the ground as well as multiple hairs in the bedazzled well as other issues. 
Discover told me I was denied the refund for various reasons like I didnt take the proper steps to file a dispute. 
I have hard closed my account with them. I will pay the balance minus the {$70.00} I am not getting back. 
I have never heard of multiple businesses being OK with unsanitary practice. 
Discover sounded completely fine with businesses using unsanitary practices. In the pictures attached, please see the hairs and what appears to be straw underneath the nail.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently obtaining and examining a copy of my credit report with Equifax, I notice that there are unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX OF XXXX XXXXXXXX XXXX  XXXX Under federal laws, Consumer Reporting Agencies shall only furnish information under verbal or written consent by a consumer. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give Equifax permission to furnish this information on my credit report. Reporting a consumer 's personal or financial information without prior consent is a violation of 15 U.S.C 1681 ( a ) ( 4 ) and is a violation of 18 U.S.C 1028A.
Product: Checking or savings account

Bank of America XX/XX/XXXX submitted a fee for a closed account that I closed with no dues in fraud or in any money owed. This account is sending info to XXXX XXXX  XX/XX/XXXX to another charge and I was not at the address on files or had the account to either or fraud on them. This is FDIC issue that the Banks are recovering fees to my inability to live at the property they have on their systems and not my account to ownership due to closed. Fraud occurred prior to there repairs or reporting and they didn't contact me but I informed them I moved and my house was in control by my x spouse. He has no Bank letter 's for their abuse report to block me from XXXX to open a account or fix my fraudulent security for anyone else. I was told to get a police report to report that I moved and. The next address is not a XXXX XXXX XXXX and falsely used by XXXX XXXX and Bank of America is not removing the abuse. I had closed that account without them reporting to me any fraud prior to XX/XX/XXXX. I am no sure who to call to police report the Bank is using a wrong land lot and I didn't talk to them and both accounts were not in My ownership at times of XXXX reporting I have money abuse to FDIC for years prior. I need the Court info on B of A lawsuit currently for using XXXX and XXXX XXXX to FDIC blocks please
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going into forbearance in XX/XX/2014 when my XXXX account was sold to XXXX. XXXX busted my account into 8 different accounts. While XXXX was setting up my account in the first couple of months I was trying to get the forbearance through them started. In the interim they charged me with 3 months of late payments. That I have disputed with them and they deny it. 

Secondly and the most harmful to me is that they not only have hit my credit report with late payments for those months but multiply that by 8.  Yes, for each individual loan under the one XXXX account, XXXX reported a late payment for 8 sub-accounts for 3months for a total of 24 missed payments. This has destroyed my credit. I have complained to all credit reporting agencies and XXXX. Result was XXXX told them their reporting was accurate and my credit reports show that I disputed and disagree with the results. The 24 missed payments stand. Not fair reporting, in my opinion. At the most it should be 3 missed payments, not 24. And really, there shouldn't be any missed payments since my forbearance was in transition from XXXX to XXXX. Not my fault!!! Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I am requesting Banco Popular to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple certified written letters to XXXX XXXX XXXX asking for the removal of a 7+ year old auto loan that is being reflected as negative information on my report. They have refused to do so. As I am aware that consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years. I am submitting this claim in an attempt to have them fix this issue. Thank you.
Product: Mortgage

My mortgage is a FHA loan serviced by Wells Fargo. I have had my loan since XX/XX/XXXX. My mortgage payment has always been {$970.00} In XX/XX/XXXX, Wells Fargo notified me by mail that my account had a negative escrow amount due to increased property taxes. They decided to raise my payment to {$1300.00} per month. This is an increase of {$410.00} per month. I am on a fixed income and live a simple life. I called them and explained to them there was no way I could afford this increase. They said to try to make the payment. 

I started looking at refinance options with other lenders. The month of XX/XX/XXXX, XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX.  I continued to make my regular mortgage payment of {$970.00}. In XX/XX/XXXX. I paid a little more as I had a bit extra. My payment for that month was {$1000.00}. I was able to obtain a refinance approval with a Lender. We were ready to draw loan documents. The Lender pulled a back up credit for the Wells Fargo mortgage. They informed me that Wells Fargo was reporting me being 30 days late on my mortgage. I showed the bank all my receipts. I went to the XXXX branch today and stated my case. I spoke to a supervisor in the Loan Servicing Department. 

They informed me that they did receive my payments, ( which were made in the branch ). However, they did not apply them to the principal and interest They were placed in " unapplied funds '' account. This allows them to take my payment and apply it to the negative escrow. I informed them that was not disclosed to me at the time I made my payment nor did I agree to this. The Supervisor, said to fax a letter and they would investigate. 

In the mean time, I am unable to proceed with my new approved loan as Wells Fargo is showing me 30 days late in XXXX. I am enclosing all the documentation I have. All I ask is that Wells Fargo apply my payments to the my loan balance and not report me late. 

I became aware that the property taxes went up due to a HERO loan I took out for Solar Panels. This loan is tied to the property taxes. They file an addendum to my tax bill. This cause my property taxes to go up. This new refinance will pay off the HERO loan and save me over {$500.00} a month. I am XXXX years old. Have a humble life with a small house in XXXX County. Wells Fargo is not acting out on the customers best interest. They will be paid off including the negative escrow balance. I ask that they retract the late payment and apply all my payments to my loan. Lack of disclosure, poor management of applied payments and incorrect negative credit reporting have all caused a financial hardship.
Product: Credit reporting or other personal consumer reports

In 2014, I enrolled in XXXX XXXX XXXX program while residing in XXXX, Wisconsin, to pursue a degree in Business Administration. However, the classes assigned to me were unrelated to my degree, and the university failed to provide the promised quality of education or career preparation. 

Despite my efforts to follow the program, XXXX XXXX  misrepresented its offerings and left me with significant student loan debt for an education that did not align with my academic or career goals. In addition, the abrupt closure of XXXX XXXX  left me unable to complete my degree or transfer credits. 

I request a review of these practices and resolution through loan discharge, correction of any negative credit reporting, and appropriate accountability for the institutions actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$200.00} ; XXXX XXXX XXXX**** Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got these accounts that does not belong to me and i want it to be remove from the 3 credit reporting agencies. 


1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

On XX/XX/XXXX, I logged on to my Citi online account and noticed a balance due and that a payment had been made on XX/XX/XXXX which I did not authorize. My account had been paid off with a XXXX balance since last XXXX, XXXX. When I checked the transactions ( made XX/XX/XXXX XX/XX/XXXX ), I knew they were fraudulent as I have never been to XXXX and have never done a cash advance on my account. I immediately called Citi to alert them of these unfamiliar charges and alerted Citi that I was not the one that had made that payment on my account on XX/XX/XXXX. They immediately canceled my account and opened an investigation. The representative asked me for my security word which I provided and she advised me it was incorrect and that it had been changed. She also confirmed to me that the billing address on my statement had been changed to an address in XXXX. This in itself shows my account was hacked and this was a case of account takeover. I have never lived abroad nor do I know anyone in XXXX. 

On XX/XX/XXXX, I called Citibank to get status on my investigation. I confirmed to her I was disputing all transactions in XXXX. On XX/XX/XXXX, I called again asking for status once again. On XX/XX/XXXX I received correspondence that the investigation had been completed and I was responsible for the fraudulent charges. On XX/XX/XXXX, I spoke with XXXX who advised me that my investigation had been reopened. Then on XX/XX/XXXX I was able to speak with XXXX XXXX " Executive Response Team after many attempts to reach her and she advised that the investigation was closed as a CHIP card was used and I was responsible for charges. 

Not only did someone make a payment on my account, they also fraudulently charged items, withdrew money and hacked my account to change my contact information. Security on my account has been seriously compromised and my account was taken over without my consent. 

I have never been to XXXX and have my valid US Passport to prove it and can provide a certified copy to Citibank. I also requested that video be obtained of the place where the cash withdrawals were made in XXXX. This will further confirm that these transactions were not done by me or authorized by me. 

I did my duty in reporting it to you in a timely manner. They have not taken the time to investigate this fraud and security breach. 

I filed a police report today at my local police station to be added to this fraudulent claim file. 

I have an excellent payment history with Citibank and impeccable credit and can not let this blemish what I have worked so hard for. They just are not making an effort to assist me in a fair manner.
Product: Credit card or prepaid card

I received a US bank ReliaCard Debit VISA for Colorado unemployment payments that was not requested by me.
Product: Credit card

Over a 10 year period of time I have accumulated XXXX in reward points. 
Company says you can redeem for account credit. I called go have it applied to my account and was told I can only use it to buy a car or go on a trip or out to eat or have repairs done at GM. 
This is a scam. I am old I do not need a car I do not eat out due to covid and i dont travel. 
This is a bold lie to get you to get this card and use it. I would like my rewards paid to my account like they say.
Product: Consumer Loan

Please investigate this company Loan Max XXXX XXXX SC. This company is scaming on people who are in need of help. I got a title loan for {$1200.00} in XXXX incriments and now they saying I owe almont XXXX this is n't fair they have a 300 % interest on their loans at the time of signing contract your thinking OK am going to pay this off real soon but what they feel to disclose is the daily interest on the money is what kills people and make it to where they ca n't afford to ever pay off the title loan. PLEASE HELP THIS IS CRAZY AND NEEDS TO BE ADDRESSED ASAP!!!!!!
Product: Checking or savings account

around XX/XX/XXXX, we opened a joint savings account with Marcus by goldman sachs. 
Transferred funds into account via ach with subsequent additional transfer into the account. Around the beginning of XX/XX/XXXX we attempted to transfer {$1000.00} out of account back to account linked via ach, we received an error saying funds can not be transferred. We called and spoke to several representatives including supervisors/managers who stated account is forced closed but unable to give any information for closure. we were told their investigation takes 45 days to complete at which time the funds would be sent back to ach account or via check via US mail. the 45 days past and we spoke a supervisor on XX/XX/XXXX, who placed an internal complaint for them to update us which would take 405 business days. on XX/XX/XXXX we spoke with another supervisor who stated no additional information and can only place another complaint. we advised her that what Marcus is doing is unfair and unacceptable as we are in need of our funds. she stated she can not provide any information and we would be notified by mail and she would put another detailed complaint. we informed her that we would put in a complaint with the cfpb, after which we attempted to login to our account and it was locked.
Product: Payday loan, title loan, or personal loan

I've been keeping up with payments on this loan since XXXX of 2018 and haven't made hardly any progress repaying it. I owe hardly less than what I started at. This loan would be one thing if I was making monthly payments but the fact that they want payment every time I get paid is CRUSHING and what makes it so financially crippling. The expensive payments have caught up to me. I'm taking classes to better myself and enter a lucrative field ( Information Technology and Networking ) and because of this I'm working reduced hours. I'm making deliveries for food delivery apps and grocery shopping apps but it's still not enough to make all the ends meet, particularly towards the outrageous expense of this loan. I need help. The payments are too high and too frequent for me now and i don't know what to do. I've tried getting a debt consolidation loan but have yet to find a company to help me because my overall debt is only around {$8000.00} ( the Avio Credit loan is approximately {$3000.00} of that ) but for me that's a LOT of money, especially as I'm goong through this part of my life where I'm trying to get an education that'll result in a better paying and more fulfilling job. As i said, i don't know what to do and i need help.
Product: Money transfer, virtual currency, or money service

XXXX scam amount {$1700.00} Wells Fargo XXXX scammed with text phone spoof and session hijack to transfer to account in my name but after it was done was not my account but a bank ( XXXX ) I do not even use. Wells Fargo informed within the hour investigated provisionally refunded then XXXX days later said I did it it was not fraud and took the {$1700.00} back out of my account I did not authorize anything to chase! Please help. Initially received text then the bank called took my money via XXXX. Attaching phone ling bank taking money bank and XXXX transaction IDs