23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I received a direct deposit that I was expecting from a customer named XXXX XXXX from Fifth Third Bank to my XXXX XXXX checking account. The amount deposited by XXXX XXXX was XXXX -- the information regarding this direct deposit that appears on my XXXX XXXX accoun statement is : XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX 

Approximately 10 days after the direct deposit was made, Fifth Third Bank recalled the direct deposit claiming is was a fradulent deposit. Someone had to fill out the paperwork for this direct deposit, and someone had to sign off on it to make sure the reciever 's bank acct. # and routing # were correct. THe fraud does not originate with me. 

After Fifth Third Bank notified XXXX XXXX, my account was frozen. At the time I had a little over XXXX of my money in the XXXX XXXX account. The money shows as available funds in my account but I can not access it. XXXX XXXX can not help me because the information they have on the sender is confidential. They suggested I call Fifth Third Bank and explain the issue to them. I provided the infomation regarding the direct deposit listed above, but Fifth Third Bank can not provide me with any information because it is confidential, nor can they follow up on the status of the bank 's investigation of the account holder with the information I provided. 

This is literally all the money I have in the world. It came from an early withdrawal from my IRA. My XXXX XXXX XXXX daughter is in hospice care in the final stages of a terminal XXXX. A large portion of my money had been set aside for her funeral expenses. 
XXXX XXXX keeps extending the date they will close my acount because Fifth Third Bank has not ask for my money. The XXXX had already been used toward debt I have accured because I am not working so that I can care for my daughter in her final days or weeks. No one can provide me with a time table as to when this will be resolved. I am on the verge of bankruptcy. 

I did not commit any type of fraudulent act. If fraud has occured, it originates from Fifth Third Bank. They are rife with fradulent accounts that were set up by their banking associates. That should be their problem, but it has become mine. Can you help me? 

I have already left messages for the appropriate parties with the FDIC. 

My name is XXXX XXXX my account number with XXXX XXXX is XXXX. 
My phone number is XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. 

Thank you in advance.
Product: Mortgage

XX/XX/2022 I the Consumer applied for a mortgage with wellsfargo. I without asking uploaded my paystubs to their portal. WellsFargo used my SSN ( credit card ) to run my credit as well. XXXX XXXX called me and asked me some questions. She asked about my citizenship status and if I pay taxes. I'm not a citizen  I'm XXXX XXXX  which wellsfargo does not have an option for so I selected non citizen. Wellsfargo never asked me to submit any documentation proving that. Their Rep even stated that because I do not pay taxes I can not get a home loan. Which is not true! They discriminated against and DENIED I, the Consumer Credit. Wellsfargo violated 15 US C 168m and 12 cfr 1002 because I Again the Consumer, did an application in good faith, but credit was not issued. Wellsfargo discriminated Against me for not paying taxes and being a non citizen. Please see attached email from XXXX. Wellsfargo has done FRAUDULENT ACTIVITY ( unauthorized use of credit card 15 USC 1602p )
Product: Credit reporting or other personal consumer reports

I am writing to complain about an identity theft case involving a XXXX XXXX XXXX  with XXXX XXXX. My son used my personal information to add me as a cosigner without my knowledge or consent. As I stated in my FTC identity theft report, I never agreed to or signed for this loan. I never signed any documents, visited any bank, or gave any consent in person, over the phone, or in writing for this loan. 

My son has a XXXX XXXXXXXX that affects his judgment, and he took advantage of me by using my information without permission. I also have a XXXX  XXXX and XXXX XXXX, which makes it hard for me to understand things like this. I did not know my name was on this loan. 

When XXXX XXXX called about missed payments, I made a few payments, thinking I was just helping my son, like any mother would. I had no idea I was legally responsible for the loan. 

I gave XXXX XXXX medical proof of my XXXX  XXXX, but they still denied my claim. They said the few payments I made meant I accepted the loan. This is not fair. I was tricked, and now I am being punished for trying to help my son. 

I am asking XXXX XXXX to review my case again and remove my name from this loan. I should not be held responsible for something I never agreed to. Please let me know what can be done to fix this.
Product: Checking or savings account

This latest report is in connection to report number : Complaint Number XXXX. 

On XX/XX/2022, I contacted the Money Network Customer Service at XXXX via phone and reached a representative by the name of " XXXX. '' I briefed Money Network through several phone calls of the escalating unauthorized charges to my debit/credit card and the lack to provisional credits from Money Network to customers that are victims of fraudulent activity. XXXX directed me to go back to the property where the fraud occurred, and provide the manager with an email to Fiserv. When I asked XXXX, " What is Fizerv, '' XXXX began to stumble on her words. I continued to ask XXXX something like 'Why is Money Network asking me to go back to the property were fraud occurred to provide an email address and contact information for Fiserv ? ' XXXX informed 'Fiserv is an account [ inaudible ] with/on [ inaudible ] money network. ' XXXX then put me on hold for a long period of time. The phone call was disconnected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan from Westlake Financial Services in XX/XX/XXXX. I was involved in an accident in XXXX before that I was doing timely payments. Initially the insurance payment paid them off a major of the portion of the principal and then I kept in paying too same as before. I also financed an extended warranty through them so the company of the warranty had to sent me a check the check went to them first and they paid themselves then they paid me. When the loan was closed which was reported on XX/XX/XXXX they reported that I was 30 days late for XXXX payment 30 days late for XXXX payment and 30 days late for XXXX payment. Their representatives were very inept and lacked proper training and this company is probably the worst lienholder Ive been dealing in my entire life. Anyways the payment should be done by the first of each month. I am attaching two screenshots where my payment for the due date on XXXX was made on XX/XX/XXXX in full for the due date by XX/XX/XXXX. Also the payment for the month of XXXX was done in two different dates for two different amounts XXXX dollars on XX/XX/XXXX and XXXX on XX/XX/XXXX for the due date by XXXXThey also told me that my account was paid off sometime in the end of XXXX with the check that the warranty company sent to them they paid off themselves in XXXX and then refunded me so despite I took a statement on XX/XX/XXXX to make a payment by XX/XX/XXXX but yes I did not make a payment due to my account being paid off from the check they got from the warranty company. I want to know how is it possible I was 30 days late in payment for the months of XXXX and XXXX and 60 days in XXXX when my account was closed on XXXX? Despite its reported as closed on XX/XX/XXXX on XXXX  I think.
Product: Debt collection

The original debtor cleared the debt in XX/XX/XXXX. They removed the accounts from my medical record and did not further communicate with me outside of sending a letter confirmation that I owed a XXXX balance. 

On XXXX XXXX, XXXX, I received email notification that 12 accounts were added to my credit as derogatory marks. When I contacted the original debtor they could not help and that they did not clear the accounts ( again, I have documentation ). The collection company is lying and saying they made contact with me about this and that these items have been in collections for years - I have screen shots that these accounts were added on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I am writing to dispute the status and terms of XXXX student loans I used to have. The first is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$6400.00}. The second is listed as XXXX, and has an account number of XXXX. The amount is currently listed as {$7300.00}. I have no loan with either XXXX or XXXX with a balance at this time. All are closed with a {$0.00} balance. 

Both of these accounts are actually paid-in-full, closed, with {$0.00} balances. I have attached the letters that I received from both XXXX and XXXX. However, Experian continues to report them incorrectly with incorrect status and terms. The creditor states that they have updated Experian 's records, yet this does not occur. I try to dispute them with Experian, but Experian states that I have used my " maximum number of views '' and therefore I can not view the report that I must initiate a dispute off. Of course, I can if I pay Experian, I am sure to be allowed to view a credit report so I might fix their error. I would like these accounts updated to reflect the actual account terms and status or removed from my credit report altogether. These credit reporting companies really restrict an individual 's access in order that they can not easily or quickly correct an error on their credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is in regards to the Navy Federal settlement. I was affected by their debt collection practices over the course of several years dating between XX/XX/XXXX-XX/XX/XXXX. My account access was frozen now allowing me to log in and pay debts. Additionally, just recently, they have not reported a consumer loan as " paid '' on my credit report. The loan was paid off XX/XX/XXXX. My credit reports still reflect " 60 days past due '' which was in dispute to begin with. I was making monthly payments on the loan but somehow it still fell behind 60 days.
Product: Credit reporting or other personal consumer reports

After reviewing my report, I noticed hard inquiries that do not belong to me.
Product: Student loan

My loans were serviced by FedLoan, the former loan servicer of the Public Service Loan Forgiveness ( PSLF ) program. I was accepted into the PSLF program in XX/XX/XXXX. My student loans were transferred from XXXX XXXX XXXX XXXX to FedLoan. In XX/XX/XXXX my loans were discharged because of meeting the 120 payments. Before the loans were discharge, I requested that all my payments made during the COVID19 period be refunded to me. The request was made in XXXX of XXXX from the FedLoan servicer. This includes payments that I made to XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. The amount I'm to be refunded is {$15000.00}. On XX/XX/XXXX I tried to confirm when I would receive the refund. When I went to login into the FedLoan website I was redirected to the Federal Student Aid ( FSA ) site. After speaking with a customer service representative at XXXX, the current loan servicer of the PSLF program, and Federal Student Aid I learned my case has been closed due to my loans being discharged and XXXX. I placed a complaint on XX/XX/XXXX the Federal Student Loan  is Feedback Case XXXX  XXXX. The case is still pending. I have placed repeated calls with FSA and have not received a callback. I have called FSA on the following dates below and have not been able to get the problems resolved. I have been given the wrong information or promised a callback from a manager. I also complained to the FSA Ombudsman group and never got a callback. 

XX/XX/XXXX submitted feedback complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Debt collection

( Simon 's Agency, INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ) has been sending me collection notices in the amount of ( {$50.00} ). The collection notices been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Mortgage

We suffered a housefire in XX/XX/XXXX. Since this time, our mortgage company has been very difficult to work with, specifically in the last six months. Although we have turned in paid receipts for months, they do not release funds. Every time you call the company you have to speak to a new person and get a different answer as to why you have not got funding yet. To date, they have over {$20000.00} that they are holding and will not release. They sent a check on XX/XX/XXXX but this check had our ex-contractor 's name on the payee line, which they had been informed of several time that he was no longer our contractor. Upon asking for an updated check, the company informed us they would issue a stop payment and get us a new check within 10 days. It has now been 15 days and they have not even processed yet. This is a severe hardship for our family and has caused months of unneeded stress. They can clearly see through inspections and receipts that the money has been spent to fix the home.
Product: Debt collection

I sent out a certified validation letter on XX/XX/2020 they received it on XX/XX/2020. i asked to validate i have not receive no correspondence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an old credit card from XX/XX/XXXX which was paid in full yet is marked as a collection/charge off when it was not ever charged off or in collections. XXXX XXXX XXXX XXXX has already stated the account was paid in full and was to be removed from my credit report in XX/XX/XXXX however the account is still reporting negatively. However on my innovis report the account states it is to be removed from my report XX/XX/XXXX which XXXX did not agree to. 

Creditor ; XXXX XXXX XXXX XXXX Account marked as Collection/Chargeoff Balance ; {$0.00} Contact ; XXXX Disputes XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

M & T bank is rearranging and reordering when debits and credits hit my account so that they can charge exorbitant overdraft charges. They only stop when I complain, then a few months later, I notice them doing it again.
Product: Vehicle loan or lease

I co-signed for a loan for my son... Im about to declare bankruptcy or loose my home.. the apr and fees are outrageous.. Im trying to get the payoff lowered so I can pay them off so I dont loose everything... my son lost his job then Covid happened ... this has been an upside down loan since the beginning upon reading this company specializes in this ... they have been paid double already then the car was originally worth
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX this is a responding complaint. Complaint number # XXXX. XXXX states that the address XXXX XXXX XXXX, XXXX, NC XXXX is or was my address and XXXX obtained this address from TransUnion, XXXX and XXXX. The nationwide consumer reporting agencies. I am disputing this address and request XXXX to reinvestigate. I DO NOT HAVE THAT ADDRESS ON MY CONSUMER CREDIT REPORT WITH TRANSUNION, XXXX AND XXXX. Therefore XXXX is reporting inaccurate information which is a voilation of the fair credit reporting act, 15 U.S code 1681s-2. Reinvestigate this address with Transunion, XXXX and XXXX.
Product: Credit reporting

I was linked to the Transunion website when I inquired about a free credit report. My understanding is that Vermont residents are entitled to XXXX free credit report per year. The only membership portal I saw when I linked to site was apparently for a 7 day trial for {$1.00}. It was not made clear that this was the incorrect portal for the free credit report. I was charged for membership services that I did not ask for. I contacted customer service and was told that their policies are very clear and that the charges are nonrefundable. During the call, I was offered a free month and a reduced price for " refreshing '' membership. I declined these offers and stated that I wanted the service cancelled immediately and requested to speak with a supervisor. I was told that the supervisor would not be able to help me, as they are bound by the same policies. The supervisor I spoke with told me that the only way to get the free report is through a separate website. He then said that he would refund one month of charges ( {$17.00} ). I am not satisfied with this outcome or the customer service I received. I feel that this company is aware of the confusion and does not want to rectify the issue as it benefits them financially and are operating in a predatory and dishonest fashion.
Product: Mortgage

My mortgage was transferred from XXXX to NewRez mortgage on XX/XX/2020. I  made a payment to NewRes in the amount of {$1300.00} they have applied only {$1000.00} to my account. I have attempted to contact them via telephone, I received the typical longer hold times than normal due to higher than normal call volume. I was on hold for 30 minutes before hanging up, please help me get the remaining {$260.00} credited to my account or refunded to my payment method.
Product: Debt collection

Early part of 2019 id filed a complaint with the Federal Trade Commission Office for identity Theft i was working a credit agent and i went to the local office depot to fax my personal information to the credit agency company, and the young man that was assisting me put the wrong fax number into the fax system and immediately days after my bank account was compromised and weeks, months later i notice things on my credit i did'nt apply for. Now im still fighting to get these items off of my credit reports. And now those account has been charged off and closed, but still remains on my files. Im asking that these items be removed from my credit files immediately, and if not i will be filing a small claims action against these companies, Per- Acima Credit XXXX XXXX , XXXX/XXXX, XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called each credit bureau multiple times advising them of unauthorized inquiries and they did nothing to accommodate the situation per the FCRA. I listed all the inquiries and told them that they should not try and make us contact the creditors for accounts we dont have and did not authorize. Over half of these hard inquires were placed on my account 2015 and I was overseas in the XXXX.
Product: Debt collection

I am writing to inform you of my intention to pursue legal action against Credit Corp Solutions for its flagrant violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically sections 15 USC 1692 805, 806, 807, 808, and 809. Despite numerous attempts to rectify the situation, Credit Corp Solutions has persistently engaged in deceptive, abusive, and unfair debt collection practices, thereby breaching federal consumer protection laws. 
On multiple occasions, I have been subjected to harassing and abusive communications from your company, both through phone calls and written correspondence. These actions not only violate my rights under the FDCPA but also demonstrate a blatant disregard for ethical debt collection practices. Furthermore, your attempts to mislead and intimidate me into paying an alleged debt without proper validation are in direct violation of the law. 
I have diligently documented each instance of misconduct by Credit Corp Solutions, including the dates and details of communication, as well as relevant complaint IDs filed with the Consumer Financial Protection Bureau and XXXX XXXX XXXX XXXX. It is abundantly clear that your company 's actions are not only unethical but also illegal. 
Therefore, I demand that Credit Corp Solutions immediately cease all communication and collection efforts related to the alleged debt in question. Additionally, I will be seeking compensation for the damages incurred as a result of your unlawful actions, including but not limited to court costs, attorney fees, and statutory damages as provided for under the FDCPA. 
If Credit Corp Solutions fails to comply with these demands within 30 days of receiving this letter, I will have no choice but to pursue legal recourse through the appropriate channels. I am fully prepared to take this matter to court and let a judge decide the appropriate course of action.

Total Potential Costs ( State of Illinois ) : 1. Court fees : Based on Illinois fee schedule for filing a civil lawsuit 2. Attorney fees : Based on typical attorney rates in Illinois for handling FDCPA cases 3. Statutory damages : As per FDCPA guidelines, up to {$1000.00} per violation. 
Please be advised that I am prepared to vigorously pursue this matter until justice is served. 
I relevant documentation supporting my claims and all your correspondence the file is too big. 
XXXX XXXX XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX Consumer Financial Protection Bureau Complaint ID - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX Filed a complaint with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I 'd like some form of commitment that this wo n't negatively affect my ability to get a mortgage in the next few years.