23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XX/XX/XXXX, I got a loan in the amount of {$2100.00}. It is now XX/XX/XXXX and decided to login into my account to see how much principal was left on the loan and its {$2100.00}. Only {$57.00} paid to principal in the last year. Ive made all my payments on time, {$58.00} every 2 weeks. Something can not be right with this loan. I feel as though Ive been getting robbed for the past year. I do not understand. 

My fianc has a loan with NetCredit as well within the same timeframe. In XX/XX/XXXX, loan amount {$3000.00}, now in XX/XX/XXXX, principal is only down to {$2900.00}. Her payments are {$78.00} every 2 weeks, never missed a payment. 

Please help!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was on my bank account and I saw a transfer for {$7400.00}. I immediately called the fraud department and filed a claim with XXXX. He froze are account that night. The next day I went on my account and noticed they paid it. I immediately called them again and talked to XXXX. He told me it was pending so they paid it. A gentleman from the fraud department called me about three days later and asked me information about are internet provider. I told him we have unwired broadband for are home and XXXX for are phones. He told me that the transfer wasn't from are XXXX and they were investigating more. So three weeks went on and we heard nothing from Bank of America. So we went to the bank and talked to XXXX XXXX on XX/XX/2019. We sat down with him and closed out that account and opened a new one. While we were going through all the information, he read back are phone numbers and there was a phone number on there that didn't belong to us. I believe it was a XXXX area code. XXXX proceeded to remove that number and called the fraud department. He told us are money would be back in are account the next day. So we left it at that. We have been to the bank numerous times and don't seem to get any help. Three weeks ago my husband went to the bank again and spoke to XXXX XXXX again and they put him on the phone with fraud department. They proceeded to tell my husband the declined are complaint and said it was are IP address. They said they tried calling us at the XXXX number. I have been a customer of Bank of America for 29 years. I have had the same number for 17 years. XXXX XXXX said he removed that number because it wasn't ours. They also told us they would call us back. We haven't received a phone call, email or mail from them. I sent a email to XXXX XXXX. The lead investigator for fraud and she will not respond to us. I tried calling she is always busy and wont return our phone calls. We are starting to think this is an inside job. We can't get no where. We want are money back. We told them we want proof of there findings and want to appeal there decision. A friend of ours told us to us to contact you guys were hoping it helps. If not we are ready to hire a lawyer. We did not make the transfer and if they would investigate they would see we didn't do it and that number has no association with us. We just want some answers. Also we have a filed a case with XXXX XXXX XXXX department.
Product: Bank account or service

On XXXX XXXX, 2015 at around XXXX XXXX I went to deposit money into my chase account. I had given the ATM the cash and it started verifying it then it said the ATM was unavailable. I then called customer service where they said i had to file a dispute. I then got transferred and file the dispute with someone else. The gentlemen on the phone said they would give me a credit to my account while they did the investigation, that the investigation would take 10 days and i would have an answer or my money back by XXXX XXXX. On Monday XXXX XXXX i got a notification on my phone about my account being overdrawn. I logged in to check what was going on and it showed the credit had been reversed. I immediately call customer service and ask whats going on they said the investigation had ended and they found nothing. I told the guy that it was n't fair they stole my money and now i have to pay them back, and now on top of everything they 're going to charge me overdraft fees because they stole my money and wont give it back? He then stated he 'd noted on my account not to charge overdraft fees since it was n't resolved. He said i have to request the ATM footage from the bank. I do n't know how chase works, but I 've worked at another bank and they check the ATM 's every week, I do n't know how this investigation took so long. I 've never had something like this happen to me at my previous bank. On XXXX XXXX XXXX i called the chase bank located on XXXX, i told the man who answered what was going on, i gave him my information ( Debit card that was used to make deposit at atm, date and time the issue occurred, how much the deposit was for and a call back number ) he said he would call me back by the end of business day. Never called me back. XXXX XXXX I called the customer service number for FDIC they said i should file this complaint. Now i called the bank one more time, today XXXX XXXX at XXXX XXXX, they gave me a number to call and request the footage from that number, it was just chase customer service, the person i then spoke to said i need to file a police report so the police can obtain the footage. I called the police and i now have to go in and file a report. When i summarized what was going on, the police officer i spoke to sounded surprised chase would n't give me the footage. I 've always heard great things from chase and that 's why i opened an account there, i was planning on taking my 401k there after the XXXX month. I 'm glad i did n't do it right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly, I found that under section 605b ( a ) ( Bureau ) 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 and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXXXXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Checking or savings account

My bank account with USAA was hacked on XX/XX/22. The hackers called me on XX/XX/22 and spoofed USAA 's actual number. A month earlier, my credit card had unauthorized purchases on it. USAA called to verify these purchases, and they were indeed unauthorized. Hence, USAA canceled my credit card and sent me a new card. The credit card fraud case appeared genuine. In this case, the hackers acted like a USAA representative. They stated that my debit card had unauthorized purchases on it. I never use my debit card. After a 30-plus-year membership, I am familiar with USAA 's routine. The operator ( hacker ) sounded legit. I denied the debit card purchases the operator gave me, and then he said to continue, he would need my log-on pin. Requesting this pin is a standard procedure for USAA. Then he said he would put me on a brief hold to send me a verification text. This verification hold took longer than expected. I felt that something was wrong, so I hung up. Approximate 10 minutes later, I received a text indicating that a wire transfer was initiated from my account for thousands of dollars. My experience with wire transfers at USAA is that they need to be set up in advance. This process can take days to complete and involves small sums of money sent and received in advance between the two accounts. How was this hacker able to send a wire transfer without first set up for one? I called USAA to stop this wire transfer. By this time, I was unsure who I was talking with, the hacker or USAA. It turns out I was talking to USAA when I called back. 

Eventually, USAA was able to retrieve the wired funds. They did help me change my password information. Before this event, I changed my user and password information annually. My passwords are lengthy and complicated, and I also use two-factor authentication. The hackers had to have my user login and password, meaning USAA got hacked. USAA is not taking responsibility for the hack. I now know this has happened to many other USAA customers. USAA has stated that I should sign up for credit monitoring. I contend that USAA should pay for credit monitoring. Their institution is unsafe, and they do not own up to their responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on more than 5 occasions in regards to a account that they are listing on my consumer credit file. I have told them countless times that I am not the correct person they are trying to collect from. I have went a step further to send them a police report showing that I was a victim of identity theft and still nothing! To make matters worse months later they send me the original contract for the auto loan, and it has someone totally different name on it and the address given is an address I 've never lived at nor have I been associated with. How is this even legal? I have explained that I do not know the person on the auto loan contract. I have sent them a copy of my drivers license to prove this. There are over a million people with my same last name, and Its not fair that they are allowed to continue to violate my consumer rights. The credit reporting agencies ( Equifax ) are n't even doing their job even after I have sent them valid proof and document showing that the account does n't belong to me on many occasions including the most recent on XXXX XXXX, XXXX, and then they " verified it '' on XXXX XXXX, XXXX. This is extremely damaging to my credit file and is preventing me from being able to purchase a home for my family. How could they have possibly investigated this item and verified it if I have the physical contract from the credit without someone else 's information on it. There 's no way!
Product: Checking or savings account

Would like to be able to pay merchants with XXXX XXXX by way of PNC it's been n/a for over 6 months due to something with PNC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chexsystems continues to report fraudulent activity on my consumer report. There are 4 inquiries containing a set of last four Social Security Numbers which are not mine. Please see attachment for proof of this as I will not be listing mine or anyone else 's sensitive information in this public arena. They are listed here and on page 5 of the consumer file maintained at Chexsystems under the subsection " INQUIRIES VIEWED BY OTHERS : '' Inquirer : XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, KS XXXX Phone : XXXX Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, DEXXXX Phone : Telephone Number Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX  ; XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) Inquirer : XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX On Behalf Of : XXXX XXXX ; XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, WI XXXX Phone : Telephone Not Available Inquiry Date : XX/XX/XXXX SSN Provided : See attachment ( pay attention to the last four of the SSN compared with the last four of MY SSN located on page 8 under the subsection " Social Security Number Validation '' of the file Chexsystems represents belonging to me ) I have also notified Chexsystems of the following inaccurate personal information reporting on my file. Chexsystems still has not removed the inaccurate, and in some cases, fraudulent material within my file. I am listing them in a separate attachment we will call exhibit 1.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making another report towards XXXX, Transunion, and XXXX in reference to XXXX  account number ending in XXXX. I am a natural living person writing this account!! I have been making multiple disputes because these credit bureaus have been violating my rights and preventing me from getting a mortgage to have a better living situation. This account was sent to collections without my knowledge which is completely unfair and discredits my character in making on time payments. This account has reported different balances which is a violation. 
I have disputed this inaccuracy multiple times and none of the bureaus investigated properly to fix this which AGAIN violates my rights under the Fair Credit Reporting Act. The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks has been determine in my life and credit health.
Product: Mortgage

I am having trouble communicating with my mortgage company. I was promised a response to my request for assistance yesterday XX/XX/2020. However, I am taken to a voicemail every time I call. My mortgage company 's attorneys have suggested that this is their game, that they are not serious about the process of loan modification. I just want them to tell me that this is true so we can explore other non-retention options like a short sale or a deed in lieu. Please review the emails I am forwarding to you. They contain valuable information regarding the present case. Selene Finance has a complete package and they are due for a decision regarding our loan modification.
Product: Debt collection

XXXXXXXX XXXX XXXX is claiming I used thier services and I did not. They have texted and called non stop. The collection agency Halsted financial has been harassing me stating I owe. I have also never been provided with any proof of the original bill they say I owe.
Product: Credit card or prepaid card

I called the telephone number on the back of my Bank of America credit card. I asked the automated system to transfer to a customer service agent. The automated system said try your call again, good bye I tried several times and each time I was unable to get to an agent. I tried pressing different prompts, however, none worked. My problem is complex and the automated system wont be able to assist. Bank of America purposely makes it difficult to speak to a live agent. The Automated System said I understand you want to talk to an agent yet never transfers me. This is an Unfair, deceptive, or abusive act and practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the FCRA GM Financial Account # XXXX, has 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 an 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.
Product: Mortgage

I applied for a refinance in XX/XX/2018. Started the process with a gentleman name XXXX XXXX. After several calls and days, XXXX calls me and said he needs to collect {$240.00} from me. I asked why and he said it was a good faith to make sure I was serious about moving forward and that I would get the money back at closing. I said that will be fine. 
About a week or so later an appraisal was done. The appraisal came in real low and was incorrect. Because of this XXXX XXXX from Quicken Loan said the original refinance agreement could not be met and I had to come out of pocket a lot of money in order to refinance. I told XXXX the appraisal was incorrect but he said they couldnt do anything about it. I told him that I wanted my money back since they could not proceed with what was agreed. XXXX XXXX told me he couldnt refund the money as that was used toward the appraisal and that XXXX XXXX was supposed to have collected {$500.00} from me as that was the cost of the appraisal. I told XXXX that XXXX told me that money was a good faith payment to make sure I was serious in proceeding but XXXX said that was incorrect. 
I have since gone to three other banks for the refinance. Two of the banks paid for the appraisal and told me that if the loan goes through I would pay it back at closing. 
Quicken Loan appraisal came in at {$110000.00} XXXX appraisal came in at {$130000.00} XXXX XXXX XXXX came in at {$140000.00} XXXX XXXX XXXX notified me up front that I would need to pay {$480.00} for the appraisal before proceeding. 
I should have been told by Quicken Loan that I needed to pay for the appraisal up front. If this was for the appraisal then I should have been told to pay {$500.00}. I dont understand why XXXX collected {$240.00} and said it was in good faith if it wasnt. The amounts do not equal up. I shouldnt be responsible to pay for an appraisal that was done incorrectly. After the fact I looked at the XXXX XXXX XXXX  ( XXXX ) and noticed many complaints for the same exact reason. They were told that the money was in good faith and then they kept it. This is a sneaky way of taking peoples money and Quicken Loan being such a huge mortgage company should not be treating potential customers like this. 
I have since refinanced my home with another bank that treated me great with no money out of pocket. If anything, I received money from my refinance. I am looking to collect my {$240.00} back from Quicken Loans.
Product: Credit reporting or other personal consumer reports

Account closed under bankruptcy court/law and still refusing to move from credit report.
Product: Credit reporting or other personal consumer reports

I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 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  However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. Thank you for your assistance.