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

M & T Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has placed and illegal block on my Guardianship checking account and will not remove the block after many phone calls and branch visits. The checking account was opened on XX/XX/23 and the savings acct on XX/XX/23. The court order from the Delaware court of chancery was presented, and copied by XXXX different Bank associates on XXXX different occasions. The order clearly states that an account must be set up to receive the direct deposit from my sons job, and that the allotted amount XXXX may be transferred form that acct to another account, and that account may be used to complete transactions needed ( not to exceed the allotted amount ). Instead of placing the block on the savings account ( acct that receives the direct deposit ) and liftering the hold on the checking to allow transactions to occur via the debit card ( as stated in the court order ), the Bank has blocked transaction on both accounts, not allowing me access to any the the funds that i have been granted access to by the court. i went into the office today again with the XXXX XXXX and showed the associate XXXX XXXX XXXX # XXXX which clearly stated that this could be done. He agreed but said he still couldn't remove the hold. I requested that XXXX call his manager XXXX XXXX about XXXX times before he agreed. Once he called her, she advised him to just " submit another request '' and that i would not be able to have the hold lifted today. When I requested to speak with her, she told XXXX that she " was not taking any customer comments right now '' and refused to speak to me. XXXX also said that if they do decide to lift the hold, they will have to order me a new card, I explained that i did not want a new card and wanted to keep the one i had since it took about XXXX weeks to receive, He said that I will still have to get a new one. I left the bank still unable to access my funds and without the Bank being willing to comply with the court order. I have called the Bank at least 6 times within the past week and was specifically told to visit the branch to resolve the issue... yet when i visit the branch nobody can assist. This is an unlawful block on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; US DEPT ED XXXX Balance : {$3800.00} ; US DEPT ED XXXX Balance : {$3200.00} ; US DEPT ED XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; USDOE/XXXX XXXX Balance : {$0.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3800.00} ; DP OF EDUC XXXX Balance : {$3200.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, or personal loan

This organization is owned by the Wahido XXXX XXXX located in XXXX XXXX and is listed as Wahido Lending DBA River Valley Loans. This organization needs to be closed down due to the unreasonably high interest rate charged for these loans. 

I took the loan out and have been paying up to XXXX x the loan amount since it was an urgent situation I take a short term loan. 

I took this loan out on XX/XX/22 in the amount they transferred into my account {$1200.00} Since then - a payment of {$320.00} has been paid XXXX XXXX XXXX XXXX for a total of {$2500.00} has been paid toward this predator loan company. On XX/XX/XXXX I negotiated a settlement amount of {$970.00} to be paid on XX/XX/22 in which this was agreed upon to stop this group from taking any more funds from my bank account. 

I asked for a final payout to stop there pulling the payback amount from my bank account. We did a settlement, and this was paid in full on XX/XX/22 in the amount of {$970.00}. 

Today I received an email from Wahido Lending DBA River Valley Loans with a Notice of Delinquent Account. I responded back saying this has been paid in full. 

This XXXX XXXX predator loan group needs to be closed down so other people will not be taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

In XXXX of XXXX, I took out a {$2000.00} loan with XXXX Bank to have dental work done through XXXX XXXX in XXXX, Ohio. The terms of the loan specified there would be no interest until XX/XX/XXXX. 

After taking out the loan, I learned that my XXXX insurance through XXXX University included a dental discount plan, and the dentist reduced the estimated cost of my dental work to just over {$1600.00}. I was ensured just under {$400.00} was immediately returned to the lender. 

After just a single filling was completed, at a cost of just over {$300.00} before my dental discount, I learned I was pregnant and could not finish the dental work we had planned. I was promised the remaining money would immediately be returned to the lender. 

In XX/XX/XXXX, I made a {$200.00} payment to the lender, XXXX Bank. 

In XX/XX/XXXX, XXXX Bank charged me interest, against the terms of the loan. I made a {$130.00} payment and called to find out why interest was charged. I was told my XXXX payment had been held, rather than being cashed, until after the due date, and so now XXXX was permitted to charge interest under the terms of the loan. I asked about the dental discount and the funds that were returned to them, and they claimed they received nothing. 

I called XXXX XXXX, and they said they had reduced the cost of my filling to just over {$100.00} and returned all the remaining funds to XXXX Bank. 

I wrote to XXXX Bank about this and did not hear anything else until I checked my credit report in XXXX, when a collections agency began listing the full debt plus interest as originating in XXXX. 

I disputed that item, and it simply reappeared months later under another collection agency 's name. I attempted to dispute it again, but was told I could only dispute that debt once, and all I could do after that was note the dispute on my report. 

In XXXX, the debt became listed under XXXX -- Portfolio Recovery Associates, another collections agency. Once again, I disputed the debt. Once again, I was told that wasn't permitted because it had been previously disputed, and all I could do was note my dispute on my report. 

I went through the same process in XXXX and XXXX. 

Finally, this year, XXXX, the bogus debt was removed from my credit report. Apparently, despite claiming that it originated in XXXX for 5 years, there was proof that it actually originated in XXXX, and can no longer legally be included in my report. 

Portfolio Recovery, however, began barraging me with harassing phone calls from seemingly endless different phone numbers immediately after the debt was removed from my report in XX/XX/XXXX. At first, I patiently asked that they no longer call my phone over a XXXX debt that I never owed and they can not collect. The call volume only increased, coming from more and more phone numbers. I began blocking every call from the company, and the volume increased even more, with even more phone numbers being used. Today alone, Saturday, XX/XX/XXXX, I have received calls from 11 different numbers beginning at XXXX Eastern time, with some numbers calling my phone 2-3 times a piece.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by XXXX XXXX on XX/XX/2020 and I have no recollection of doing any business with XXXX XXXX. I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Checking or savings account

I applied for a checking account online on XX/XX/XXXX and I received a email asking me to submit a copy of my ID and social security card I had to apply for my social security card so I submitted my ID and my social security card when it arrived I submitted it on XX/XX/XXXX. On XX/XX/XXXX I received a email saying it was approved to call a number or go to a branch to fund my account so I called the number and nobody answered so I left messages with no luck. I went to the nearest branch to me and the teller asked for address verification. I logged in to my XXXX bill account online and downloaded the most recent statement. She said she couldn't accept it because it had a past due balance even though I showed her if was paid off and XXXX balance. She showed to the branch manager she said she had to send it to her district manager and will get back to me that afternoon. I never heard back from them. On XX/XX/XXXX I called and spoke to the branch manager again. She said to take her my cell phone bill So I went back. On XX/XX/XXXX and emailed it to her she said she could not accept it because it was month to month not contract. So i emailed her the new statement of my power bill again and she said she could not accept it because it had a previous balance on it. I explained to her that all the bills have a previous balance on them. She turned me away and she gave me her district managers number I called twice and left voice mails with no luck. I contacted the banker that assisted me with opening my account online and he called the branch manager who told him that I presented different documents with different addresses and could not verify my permanent residence and they were thinking of closing my account and terminating relationships with me. I told him they were lying because I showed them the power bills with the same address and it was proper address verification
Product: Student loan

I am former student of XXXX XXXX, I have a genesis loan that is in default. I currently owe {$7.00}. The school is now being sued and is under investigation for fraud. The school was a joke ; they where so worried about collecting the monthly payments for the Genesis loan that they would pull students out of class and away from there studies. 

I strongly believe that I am not responsible to continue paying on these loans because I did not finish the course. The schools curriculum was not that of a regular college. XXXX was over packed with teacher to student ratio. In the class room the students had to stand or find setting because they over packed there classes. Half the time the book store did not have the books needed for the class and they where on back order ; this cause student to have to wait to take a class and or share with a class mate. This made students unable to finish work on time. 

I want to be able to go back to school and finish my degree, but I am not able to due to so with this genesis loan. The lender is not people friendly and they seem to not want to help with paying back loans ; they are rude when you call and state that they are unable to take less than {$200.00} a month in payments. This is outrageous for a single mother that works full time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letters of XX/XX/22 I told credit bureaus to '' investigate every piece of information '' on accounts I have listed below. 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 XXXXXXXX, According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or made of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Equifax and XXXX to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX and XXXX at XXXX. It was an automated system message stating that if I did not respond immediately, I would be sued in XXXX county courts. It gave a toll free number to call back. I was not able to write or record the number as it was only stated once before the call disconnected. I called the 614 number back and spoke with a very rude individual who seemed to know everything about me including my ssn, without me saying anything more than hello. I never verified any information. He questioned me about a debt with Check-n-Go then rattled off some account and routing number that I had never heard of or recalled ever having, nor did I recognize the bank name. He started to yell and be very rude to me before disconnecting the call. I called Check-n-go and they verified there was a loan from XXXX but it was closed and didn't appear to be in default. They were able to give me the date, amount and loan number. I called the 614 number back and attempted to ask the gentleman to verify some more information for me. He told me I shouldn't have called Check-n-go without speaking with him first. He became Irate, continued to yell every time I asked a question and speak over me until I said I wanted to verify the info to make a payment then told me he was transferring me to someone else. The woman he transferred me to knew nothing about my account and could only process a payment. How could that be? She told me I would have to be transferred back to the man to verify any info. When connected back to him, I asked for a supervisor. He refused and continued to yell at me with threats til the point that I became upset and disco 'd the call. I also blocked them from calling back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to all 3 of the major Credit Bureaus several times with concerns of inaccurate reporting on my credit file. After several attempts to rectify the issue directly with the Bureaus I feel it is time I escalate the issue as I am not seeing satisfactory results or nearly any results at all. 

There are at least 3 different accounts being illegally reported that have negatively impacted me and my ability to acquire credit as a consumer. 

As you will see in supporting documents XXXX is inaccurately reporting 2 of the 3 accounts mentioned and when I reach out requesting an investigation they either don't respond at all or claim to have either verified or updated the accounts but that couldn't possibly have taken place because they are STILL reporting inaccurately! For instance, there is an account with an Agency called XXXX XXXX XXXX reporting as a charge-off on all 3 Bureaus but there's also recent payments being reported. How can an account that was charged-off be active? All 3 Bureaus are intentionally allowing this company to report false information which is a direct violation of my consumer rights per the FCRA. XXXX is also falsely reporting an account with an Agency called XXXX XXXX that I have NEVER had an account with. They clearly did NOT investigate this matter although I requested them to do so several times. 

Both XXXX and XXXX have been illegally reporting an account with an Agency called XXXX XXXX XXXX that I have NEVER had an account with claiming they have verified it. I wonder how that is and even Equifax wasn't able to verify the alleged debt with the Agency. They are once again violating my rights by illegally reporting inaccurate information.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX is trying to foreclose with an illegal loan that was given to me by XXXX  XXXX XXXX  XXXX. This loan is securitized, void, unenforceable and in violation of ( 1 ) Federal Law. ( 2 ) Acceptance of a prohibited transaction for this trust. ( 3 ) Breach of trust. ( 4 ) Lender strictly violated Article II section 2.01 of the pooling and serving agreement ( Note and Mortgage via an assignment of Mortgage together with the Note, after the closing Date/startup Day. ( 5 ) Violation of sections 17 ( a ) ( 2 ) and17 ( a ) ( 3 ) of the securities Act [ 15 USC 77q ( a ) ( 3 ) ]. ( 6 ) My loan was paid in full by XXXX XXXX XXXX XXXX  with a ( SATISFACTION OF MORTGAGE ) XX/XX/XXXX, it was securitized and put into a MERs loan. How was XXXX XXXX able to refinance my loan? Then afterwards ( 7 ) The originator of my loan became XXXX XXXX, XXXX. XXXX XXXX XXXX sold my loan into the trust on XX/XX/XXXX.Therefore it is entirely impossible, short of specific documentation to substantiate a claim that XXXX XXXX XXXX could assign anything after XX/XX/XXXX. ( 8 ) XXXX XXXX  XXXX filed an assignment of Mortgage with the XXXX county clerk 's office. The assignments are invalid and Fraudulent. XXXX transferred an assignment to XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX a day after a summons and complaint was filed with the XXXX county clerk 's office from XXXX XXXX XXXX. on XX/XX/XXXX. ( 9 ) On XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX assigned XXXX to itself, how is that possible? ( 10 ) My Mortgage says ( pay to the order of blank ) with out recourse XXXX  XXXX XXXX  XXXX. Signed : XXXX XXXX ( Rubber Stamped ). ( 11 ) The Deed and the Note has become defective, renders the iDeed of Trust unenforceable. Massachusetts supreme court in U.S. Bank v. Ibenez ruled that a blank assignment is not sufficient to claim perfection. PLEASE INVESTIGATE THE LOANS AND ALL THE ABOVE POINTS.
Product: Checking or savings account

On Monday XX/XX/XXXX, I stopped by the XXXX XXXX located at XXXX XXXX XXXX XXXX in XXXX. There is a BECU ATM inside of this particular XXXX. 

I had {$300.00} cash in {$50.00} bills, so x6 {$50.00} bills. These bills have signs that state you can quickly and easily deposit a stack up to 20 bills at a time. I attempted to deposit the 6 bills into the ATM ( a fraction of the maximum amount ), and it promptly counted the {$300.00} incorrectly, ( I believe the ATM counted {$150.00} ) so I immediately panicked and cancelled the transaction and prompted it to just return what I had inserted. The ATM spit out x4 {$50.00} bills, NOT the x6 bills I had originally put into the ATM. The ATM ate {$100.00} of my cash and BECU is denying that the ATM did anything wrong. The ATM took all {$300.00} of my cash, gave me back {$200.00}, and nothing matched on the screen for the deposit! The ATM thought {$300.00} was {$150.00}, then gave me back {$200.00}? Make it make sense. The ATM is clearly having problems, and I want my money back. 
I called BECU as soon as I was able ( closed for the XXXX XXXX XXXX XX/XX/XXXX ), on XX/XX/XXXX and spoke to a rather unhelpful representative stating they would open an investigation and pending results, expect a credit to my account in 10-15 days. As a working student, {$100.00} is not a small amount of money, and it was money I definitely needed to pay bills. I heard from XXXX XXXX, Contact Center Supervisor at BECU, that agreed with me that the BECU representative I spoke with was not up to standard and they strive to do better. I accepted this apology and waited for my results. 

I called for an update on XX/XX/XXXX, it having been nearly 2 months of no update whatsoever, and the representative I spoke to claimed that BECU sent me a letter stating my request has been denied because they investigated and the ATM didn't have any discrepancies ( I have to date XX/XX/XXXX not received any letter from BECU regarding this deposit discrepancy and told the representative this. ) BECU claims to have performed an investigation stating that the ATM disbursed the cash and there's no record of it making a mistake. However, if they had actually done this, they could have counted the bills in the machine, watched the video footage of me putting the cash in and then obviously not getting the correct amount back. It should be obvious and clear I am holding 4 bills not 6 and am clearly distressed at the ATM eating my money on a holiday.