23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I want to start off by saying that I have official brought these concerns to XXXX XXXX XXXX 's attention and I recieved a letter back on letterhead saying I was wasting their time that should be used for other customers the geniually need XXXX 

XXXX XXXX XXXX is a pre-paid debit payroll card. When meeting the requirements of deposits and teir level in the XXXX app they allow you to take an advance or whatever they want to call it. These advances aren't not allowed to be negotiated. You have to take the whole amount and nothing more or nothing less. All that is fine. But what happens after is the questionable conduct. After recieving the money, ALL DEPOSITS are taken until payment is paid. Which is from my understand a compulsary use of XXXX. The period of wait until payments are to be made is not given. Also, I was also under the impression that a finaincail company can only take XXXX forced payment a month from an account. Not EVERY deposit. Also, until money is repaid XXXX and XXXX XXXX prohibit you from changing your cash out method in the app. Which violates even more laws from federal and state forcing you to use a finiancial institution. 

In my situation, the amount I had to take was {$150.00} dollars. I needed the entire amount to pay a bill. So all work afterwards deliverying with XXXX XXXX is taken. Mind you XXXX percent of the offers you get on XXXX Eats are under {$4.00} dollars with tip. So over XXXX delivery 's until I can use that money to put gas in the car or anything. It won't and hasn't happend and I still owe then entire XXXX because I can't afford to sit there and work without pay for XXXX delivery 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. Remove this error, it was never paid late on XXXX  XXXX
Product: Credit card or prepaid card

On XXXX at about XXXX XXXX. I entered my location BB & T bank to get my money card activated for the bank to identify my as the cardholder. XXXX XXXX XXXX NMLS # XXXX was the one who refuse to help me with opening my account he made me so upset he caused me have an XXXX attack upon leaving. XXXX had to come to the bank where I was placed in the back of to give me XXXX and I also had extremely XXXX XXXX XXXX all due with these dealing with XXXX XXXX. And my card still didn't get activated. He made it point not to activate my card because he saw how frustrated I was becoming while trying to get him to talk to the cardholder of the XXXX XXXX that is afflicated with the BB & T branch. I feel this kind of treatment I received at this branch is very unprofessional this isn't my first interaction with this teller. He seems to be rude and disrespectful to me each time I visit this branch. This employer should be fired for the amount of distress I endured.
Product: Mortgage

In XXXX I lost my job and contacted Wells Fargo that going forward I would have problems paying my mortgage. They suggested a Loan Modification, which I followed their advice ... ... ... ... through their bank channels. The entire process took 8 months to complete ( XXXX ) and during this entire lengthy process the delays and disruptions in the whole process was a cause for concern.I had been making my interest and tax payments through the whole process, never missed a payment. 
My main concern was when this process was completed {$35000.00} was added back onto my loan ... ... ... ... ... ... .of which to this day, I will never be able to figure it out. ( was this principal, interest, fees, charges etc.? ) I do not really know The loan has since been closed out through the sale of my home in XXXX so all of that was paid for ... ... ... ...... 
I believe that I might be a candidate for part of the illegal activity that was going on with Wells during this time and has now been penalized for it by you.

I am writing to you for some help because I have called and no one can tell me why I have not received a letter from them re : my old mortgage loan.
Product: Debt collection

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions. Please respond to this complaint with the Validation of debt attached.
Product: Payday loan, title loan, or personal loan

- I have received a misleading notice from US Bank, letting me know that I have been approved for a loan. An email stating " Congratulations, your loan is approved '' can be provided as evidence. 
- This email included a " Accept your loan '' call to action. 
- After clicking this call to action, and accepting the loan, I was asked to provide my account information ; the information of the account my checking account where they would disburse the funds and also to set up autopay from this account. I provided all the information. 
- After submitting all this information, I received a " this is not supposed to happen '' -type error message on the screen. 
- I called and was being told that all is good and the loan just needs to be confirmed by an underwriter. I should go to my local branch and sign the paperwork. 
- I went to my local branch and they didn't have the actual paperwork. Told me they'd call me when they have everything. 
- I received a call after 3 days from someone asking me for the two latest pay stubs. They called it " verifying my information ''. So my loan wasn't " approved ''. This is misleading and deceptive. 

Long story short : US Bank provided misleading statements which lead me to waste time, money and resources on their process. I was obviously not approved. It also slowed down a construction project which was supposed to be funded with this loan. They further set the expectation that it was just a matter of signing the paperwork online. Which was inaccurate. I decided to stop this. Sadly, they had already run my credit and now I have this on my credit report. 

I think this needs to be reported. US Bank can't do this. They're setting inaccurate consumer expectations. They need to be called out for this. This needs to have consequences. 

I did the same thing now with XXXX, who also sent a " You are approved '' email. It took 15 minutes and everything was closed and done. A day later the funds were on my account.
Product: Credit reporting or other personal consumer reports

I am REWRITING to complaint to EQUIFAX about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. I have noticed likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am filing this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus. 
This is a legitimate inquiry of information and declaring.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX KY, caused me injury and refused me medical care, there denial made me unable to work and they KNEW PRIOR to sending me in that job not my job to cover someone else XXXX XXXX plant mgr and XXXX  XXXX  HR and XXXX XXXX, mqe - was told by XXXX XXXX, tick infestation in Ext 3 ( prior to XXXX XXXX XXXX ran XXXX XXXX for 15 of my working years .. no ticks in buildings ) were told NONE reported to safety guy XXXX XXXX , they willing send me in, I get tick bit in XXXX .. had to file chapter XXXX. And then CHAPTER XXXX as the refusal cost me personally, XXXX a week ... w/c been {$800.00} w medical paid ... they refused I had to sue .. and evidence they didnt fill report out until XXXX ... and I have a w/c claim * how can I get the chap XXXX and bankruptcy chapter XXXX? As my health is destroyed why is my credit? I have proof I made $ XXXX a week .. they denied me, but knew I was bit. IS THERE A LAW -or way to make the chapter XXXX XXXX XXXX denial to pay me accurately .. as why is this held against me,?? 
I have proof, I ask for medical care 2 weeks after and denied ... 
I have a court case coming against them? 
Help me get my life, credit, it can show BUT NOT AGAINST ME.. XXXX XXXX XXXX SS XXXX XXXX XXXX - also I had identy theft and need the {$4900.00} stole out of XXXX XXXX XXXX FDIC IN XXXX KY XXXX ATT. and XXXX XXXX of XXXX XXXX allowed XXXX copy see XXXX suing XXXX I had 56 credit apps False applications Fake credit scores. * federal government help me right the wrongs * discrimination as my life is ruined, my health
Product: Checking or savings account

I have this checking account with Wells Fargo bank since XXXX  Ive been charged a lot fees different types of fees and surcharge now all of the sudden after all these years theyve decided to change my account to a different type of checking account without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues with shenanigans, refusing to follow 15 USC 1681 ( b ) where I have not provided a written instructions on how to furnish information on MY consumer report. As the law states. They continue to report accounts that HAVE INCORRECT BALANCES. LATE PAYMENTS WHICH IS THE EXPERIENCE of the CONSUMER. NOT THE ACCOUNT. WHICH IS a part of 1681- without the written instructions of how to furnish this information they have chosen to negatively report this information. Which is a direct violation of 15 USC 1681 ( b ). They think I work for them and not the other way around. This has deeply influenced my ability to SURVIVE in this world! DURING the PANDEMIC and shortly after, things were VERY TOUGH. Looking at my history from the 20 yrs before it where I HAVE NEVER MISSED ONE PAYMENT OR EVEN BEEN LATE! You might conclude this may have had an impact on my ability to live. Like millions of others in the UNITED STATES. They continue to do what they feel is appropriate not by what the law allows. This is why the law states you need written instructions how to furnish information. XXXX needs to follow laws that CONGRESS HAS PUT INTO EFFECT LONG BEFORE. They are controlling a market that is keeping people in poverty! Directly impacting their ability to further SURVIVE. Do they not see how financial stability provides for every other stabilization in someones life? Mental, physical health FYI- your directly impacting the health and wellness of this country. People that lose the ability to get another place to live and car to drive end up on XXXX XXXX. Not where our population needs to evolve too. STOP pushing people into XXXX XXXX. You are not helping this country or anyone! FOLLOW THE LAWS-stop being the problem and commit to a solution!
Product: Checking or savings account

I deposited a check that I received as payment from a new client on XX/XX/XXXX. This check was put on hold on deposit. Since I have never deposited a check of this amount this did not surprise me. What did surprise me was that when I attempted to use the funds already in my account I was unable to. I was informed that my entire account was under review due to this check. I was advised by a Truist employee in the Fraud department on XX/XX/XXXX that my account would be on review until the check cleared or was returned for any reason and that I would have account access the following business day. The following XXXX, XX/XX/XXXX the check was returned as a stop payment was placed on the check. and every day since I have been calling for an update as my account is now currently still inaccessible. This is also the account that my regular direct deposits are sent to so I have not had access to XXXX of my pay checks since this issue began causing delinquency in my other financial accounts. The only thing I have been told for XXXX weeks is that my account is still under review with no updates from their analyst. Roughly 75 % of my income is in this account and they refuse to give me access to my account, close my account, or provide an estimate for when this will be resolved. The current amount being held is {$600.00} which increases weekly from my direct deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 15 U.S.C 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
Product: Debt collection

Date XX/XX/2018 XXXX Recieved another phone call requesting that a person, I do not know, call back for a debit collection action. Person looked for is " XXXX XXXX '' I called back the number. And informed them of the improper name, etc. & when I told the representative I was forwarding complaint to you he basically blew me off, told me to do whatever. 

This is the 4th or 5th time that I have called & tried to be reasonable with the company. To no avail. 

Please stop the calls to my home XXXX XXXX XXXX Home
Product: Credit card or prepaid card

Barclays has not provieded me a valid reason that the charge was valid. This is NOT my signature
Product: Debt collection

ABR recovery services has tried to illegally " reage '' and " park '' and old debt onto my current credit profile. I have received a letter from the original creditor showing both accounts have been closed since XX/XX/XXXX and XX/XX/XXXX. They are past the statue of limitations. ABR recovery service has now knowingly reported false information to the reporting agency of XXXX. If these accounts are not removed I will now seek legal counsel against ABR for illegally and knowingly reporting false dates, balances, account numbers and account delinquency year to XXXX credit agency.

Please see attached letter from the original creditor, XXXX.
Product: Credit card

SELF / LEAD Account : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Subject : Dispute of Inaccurate Information Dear, XXXX  XXXX, XXXX, XXXX, XXXX I am writing to formally dispute certain information in my credit report. I have reviewed my report and found that there are accounts listed for which I do not have any information or knowledge. This is a request for you to investigate these accounts further, as I believe they may be inaccurate. 

According to the Fair Credit Reporting Act, I understand that I am entitled to request an investigation into any information that I believe is incorrect. I would appreciate it if you could conduct this investigation within 15 days of receiving this letter. 

If you are unable to verify the accuracy of the disputed information, I request that you remove it from my credit report immediately. 

Please find enclosed copies of any relevant documents that support my dispute. I look forward to your prompt response to this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I opened a Citi bank priority checking account on XX/XX/XXXX and funded with {$50000.00} in order meet a promotion to receive XXXX   bonus points. I opened the account at the XXXX XXXX XXXX branch with a banker. The promotion required that the account be funded with {$50000.00} have 2 consecutive direct deposits within 60 days of opening the account. My first direct deposit was completed on XX/XX/XXXX and I did not remove my direct deposit from this account since. If I completed the activities stated above I would receive XXXX  points.

I spoke to my banker that opened my account in XX/XX/XXXX to find out the status of my points since I have not yet received. He said that I should be receiving them soon. I then waited until XX/XX/XXXX to follow up with my banker and he did not respond. I emailed him again on XX/XX/XXXX. He then responded and said he would look into it. I received to response. I then emailed him again onXX/XX/XXXX and I did not receive a response. I decided to then call Citi customer service since my banker was not responsive. They said they would complete an investigation and get back to me ( reference # XXXX ). I then received a letter with investigation results on XX/XX/XXXX. The results said that I did not complete 2 consecutive direct deposits within 60 days. I checked my account and I in fact had 2 consecutive direct deposits within 60 days of opening the account on XX/XX/XXXX. The first being on XX/XX/XXXX and the next deposit was on XX/XX/XXXX. I then called to discuss these inaccurate findings. I was transferred to multiple parties and no one was able to help. I finally came across a customer service representative that was willing to help. He said agreed that I completed the required actions to receive the bonus points and he had to speak to his manager to have this corrected. He called me to update me on the status and let me know that the issue was not yet resolved and then stopped calling me. Of course, there was no way for me to contact him directly. This issue has still not been resolved and I am exhausted trying to work this out directly with Citi bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit card

On or about the XXXX of XXXX, 2023, I received a Bank of America Credit card that I had applied for. It has a zero interest rate for one year. I tried activating the card, which went well, I then tried to use the card and it was DECLINED. I called the number on the back and talked with XXXX. He could not assist. I then figured out how to activate the card online ; however, when I tried to use it, it was declined. I could not use the card On XX/XX/XXXX, I logged in. Bank of America had enrolled me against my will into " online banking '' and created an account I did not ask for. I then went to a place in the website that said I could not use the card. I was told that I could not activate the card. I had to go in person to the bank to get the card activated. I could not do this because I am XXXX. I was in a hit by a car on my bike and XXXX XXXX XXXX. I was told that XXXX people are discriminated against. If you don't own a car or XXXX XXXX XXXX XXXX, you may not use the card. They told me I could download the app on my cell phone, and agree to be tracked and then they " might '' activate the card. I refused. 
Bank of America discriminated against me because I am XXXX and XXXX XXXX XXXX to the back to activate my card, and therefore I have been disqualified from using the BofA special offer. My credit score is XXXX I spoke with the following people : XXXX, XXXX ID # XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered that XXXXXXXX XXXX XXXX XXXX XXXX XXXX Staff has improperly accessed and used my private information without my authorization, violating my privacy rights. This occurred XXXX XXXX  and I was not informed or given consent for this access. 

I believe this is a violation of consumer protection laws as there have been changes to my student loan account that I don't understand or recognize since XXXX XXXX  breach, specifically those related to unauthorized access to financial information. 

I request that XXXX provide a clear explanation of why my personal information was accessed, remove any unauthorized inquiries, and ensure compliance with consumer privacy regulations.
Product: Vehicle loan or lease

My complaint is GM financial has hit our credit report for a payment that I sent and was taken out of my account back in XX/XX/XXXX. I was never notified there was a problem only found out from a notification on our credit 3 months later. All my statements showed current and no late charges. I have sent proof from my bank that the funds were taken out and never put back in from there bank XXXX!!! I have been dealing with this for several months with no results. It has completely gotten out of hand!!!!