23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a notification on my XXXX credit report on XX/XX/XXXX that a medical debt in the amount of {$890.00} was added to my collections account from medical services rendered in XXXX. I disputed the account immediately with XXXX as I was not aware of incurring a medical debt in that amount nor had I received any medical bills corresponding to that amount. I also submitted a letter dated XX/XX/XXXX and sent it to the collection agency on XX/XX/XXXX requesting validation of this debt. All the collection agency sent me was a letter stating they were attempting to collect a debt for that amount. That was the first letter I received regarding services that they claimed were rendered to me on XX/XX/XXXX! And the name the person is addressed to was not my name as it was not the correct spelling of my name leading me to believe someone may have received services fraudulently trying to use my name. To this date, I still have not received anything validating that this debt belongs to me and that I am liable for paying it.
Product: Credit reporting or other personal consumer reports

this XXXX XXXX credit account has been charged off. so this means that XXXX XXXX has written off on there books as a business expense. so now the IRS considers this to be income on my end. my pay check isn't being reported on my credit so why is this. Per IRS publication 4681. ive attached a 1099C to cancel out this debt. 15 usc 1681a ( 2 ) ( i ) .Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 


in those regard this complaint delete this from my consumer report ASAP. this is securites fraud. per the securities exchange act of XXXX and XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

CFPB has sued Title max since XXXX this company are repeat offenders they continue to engage in illegal pressure collection activities. I took out a loan XX/XX/XXXX in the amount of XXXX XXXX Unfortunately I lost my job and my truck was XXXX, on XX/XX/XXXX around XXXX XXXX  I went to the store located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX. After paying XXXX $ to get my truck back .I was told I could not get my truck because I would need a appointment to get the truck. I told the manager XXXX XXXX that was unacceptable, and I needed my truck today. He lied saying my truck was at a company called XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX. I then went to the XXXX XXXX XXXXXXXX XXXX  XXXX after waiting for over two hours while they laughed. While at the police Dept the officer took me to the back and began interrogating me because the manager called them saying I made a threat to shoot up a post office which was a lie. I have been diagnosed with XXXX  XXXX XXXX XXXX along with XXXX XXXX  XXXX in which I informed the employee at Title max. After leaving the police station I went to the DA offices. XXXX of the Investigators attempted to resolve the situation, but they even lied to her saying my truck was repo that day the XXXX. I am being charged a daily interest fee on a truck I can not get which is an extra XXXX XXXX They made me renew the loan bringing the total to XXXX XXXX The gravity of this company greed is beyond a mere fine. Unless The CFPB send a message that Title Max will understand they will continue to harm consumers like me. I still do not have my truck because they will not allow me to get it until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple complaints against Experian for temporarily lifting my security freeze PIN code without actually asking for my PIN code. 

99 % of the agents fail to ask and then say they don't have to ask because he automated system verified me. 

And as for the ones who ask they say they asked because they had to in order to temporarily lift my security freeze. 
Experian agents are being allowed to do whatever they see fit and this negligence has caused for another agent to permanently lift my security freeze on the XXXX without my consent. 
I did not call on XX/XX/XXXX I called today so temporarily lift my security freeze for 24 hours and that's when an agent today XX/XX/2020 named XXXX informed me that my security frees was permanently lifted on the XXXX of XXXX. 

AS I STAYED AT MULTIPLE TIMES AND IT'S BEEN IGNORED EACH TIME. MY SOCIAL SECURITY MY IDENTITY ALL OF MY INFORMATION HAS BEEN FOUND ON THE DARK WEB DUE TO IDENTITY THEFT, AND IT'S ALSO DUE NEGLIGENCE FROM EXPERIAN TRANSUNION AND EQUIFAX FOR NOT ASKING FOR MY SECURITY FREEZE PIN CODE EACH TIME I CALL. 

I filed multiple complaints has never been resolved. 
Instead I get answers pertaining to something else other than my actual complaint. 

To lift my security freeze without asking for pin code means you could very well do it for just about anyone who has my social. 
This negligence has put me even more at risk because now my security freeze pain code is voided due to the fact that my security freeze has been permanently lifted. 

I contacted the fraud department and just as I expected THEY MAKE NO PLANS TO DO A THING! 

I TOLD THEM I WANT MY SECURITY FREEZE PUT BACK ON RIGHT NOW! 
HAVE ANOTHER SECURITY FREEZE PAIN CODE BEING MAILED TO ME BUT THAT'S NOT GOING TO STOP THE PROBLEM The problem is these agents supervisors managers are all failing to do their job and the negligence is putting my IDENTITY AT RISK, CREDIT AT RISK, INSECURITY AT RISK. 

THEY'RE NOT GOING TO ASK FOR MY SECURITY FREEZE PIN CODE IF I HAVE TO CALL 6 AND 7 TIMES TO GET ONE AGENT TO ACTUALLY ASK ME FOR MY SECURITY FREEZE PIN CODE I CAN STILL SAY 99 % OF THEM ARE NOT ASKING FOR MY CODE AND NOW THE SECURITY FREEZE HAS BEEN REMOVED THANKS TO THEM BEING NEGLIGENT! 

IT DOESN'T SEEM LIKE ANYTHING IS HAPPENING BY ME PUTTING THESE COMPLAINTS IN I DO MEAN NOTHING IS HAPPENING ... 

ALL I'M DOING IS WAITING 30 TO 45 DAYS FOR NOTHING!
Product: Bank account or service

My late aunt opened a simple savings account in trust for my brother at Capital One Bank in XXXX. She passed away in XXXX and I have been trying, as POA, to get the account closed and a check issued. I have had a great deal of trouble with the bank in what should be a simple transaction.
Product: Credit card or prepaid card

Target states online payments received by XXXX XXXX are credited as of the day of receipt. I made my first payment on XX/XX/XXXX and that payment was not credited to my account until XXXX weeks and XXXX days later even though it was shown on my bank statement on XX/XX/XXXX. I made my XXXX payment on XX/XX/XXXX. It is now XX/XX/XXXX and still have not been credited to my account.
Product: Checking or savings account

I will attach the statement of all my disputed items. There are so many my account was compromised they even changed my address to where debit cards were being mailed out to there was multiple devices that were signed in on my account along with my account being automatically debit ACH but they were denied because I didnt have the funds in there after regaining access to my account I tried to talk to Current bank. They refused my claim. They denied it. They said that there was enough proof, but I actually talk to the merchants and they dont have a valid account they do find it could be fraud that the bank should be in charge of requesting a refund
Product: Debt collection

Sometime early in 2024, my account with US Bank became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/2024 until now, I continue to be contacted by XXXX separate entities for this same debt : 1st Entity : US Bank 2nd Entity : XXXX 3rd Entity : XXXX  XXXX XXXX I am being contacted at the same by all XXXX of the entities- which is stressful. In addition, how can the same debt be held by XXXX different entities. This is also affecting my credit report and XXXX  report. On XX/XX/2024, I paid the US Bank debt to the debt collector XXXX, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX.
Product: Mortgage

I sold my house and closed my loan on XX/XX/21. At that time, the property taxes were paid through escrow. When I received my escrow account refund, it was short by {$4400.00} because Shellpoint paid the property taxes on XX/XX/21 after the loan was closed. I have made numerous attempts to resolve the issue with Shellpoint and get the rest of my money back, but they are running me in circles. They will not make contact with XXXX XXXX XXXX XXXX to authorize the over payment be sent directly to me. They will not update me on the status of my request to receive my over payment, and whenever I call, they tell me my request is in process and I have to be patient. I have wasted hours trying to get the refund of my escrow account, and have made no progress whatsoever.
Product: Checking or savings account

-On XX/XX/2022 I opened a checking and savings account with Discover Bank XXXX 
-On XX/XX/2022 I sold my home and provided the Discover Bank Checking account as the account that the sale proceeds should be wired to. 
-On XX/XX/2022 the wire transfer was successful, bringing my Discover Bank checking account to {$180000.00}. 
-I made multiple point of sale transactions on the account, some ranging up to {$1500.00} without issue. 
-On XX/XX/2022 I requested an outgoing wire transfer of XXXX via the Discover mobile app. The wire was to a car dealership to purchase a vehicle. I included the vehicle 's VIN in the wire request. After submitting the wire request, I called Discover Bank and spoke with someone in the wire department to verify that I authorized the wire. The representative told me the wire was authorized, and that the funds would be sent out the same day. 
-On XX/XX/2022 I tried to login to my Discover account to see if the wire had gone through, and I couldn't log in. I was given a message that suspicious activity was detected on my account with a number to call. 
-On XX/XX/2022 I called the number provided in the message, and the fraud department representative informed me that a business decision was made and my account had been closed. I asked why the account was closed, and she said the only information she could provide was that a business decision was made to close the account. I asked where the money in my account would go, and they said they would mail me a paper check in 60-90 days for the remaining funds in my account, which at the time the account was closed, was around {$170000.00}. 
-I told the customer support representative that this was unbelievable and that the money in my account was from the sale of my home, and the outgoing wire transfer was to purchase a vehicle for my family. I asked why no one contacted me if they believed my activity was suspicious or fraudulent so I could clear up any concern, and she said that all should could tell me was that a business decision was made to close my account. I asked how my money would be returned to me, and she told me it would take 60-90 days to return my money. 
-The activity on my Discover account was legitimate and was not fraudulent in nature. And still, Discover Bank closed my account. As a result, I've lost access to the funds I earned from the sale of my home, for up to 90 days. Additionally, I lost the vehicle intended to purchase because Discover Bank canceled the outgoing wire before closing my account. 

The money I used to fund this account was not fraudulent, I could have easily proven where the money came from ( the HUD from the title company ). If this was their concern, I should have been given the opportunity to provide information as to where this money came from so the bank felt comfortable with me maintaining the checking account. 

The money I attempted to wire to a dealership was not fraudulent- I wanted to purchase a car for my family. Discover is not a physical bank, so I could not request a certified check- the only option I had was to request a wire.
Product: Credit reporting

TransUnion is reporting a Bankruptcy on my report. The courts do not verify that information. That information is pulled from a third party reporting. Therefore it needs to be deleted.
Product: Credit reporting or other personal consumer reports

Consumer adjustment co Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX services Account # XXXX Has violated my rights, I recently looked at my credit report and noticed some things are incomplete and not accurate XXXX XXXX. XXXX refers to a section of the United States Code that deals with the Fair Credit Reporting Act ( FCRA ). The FCRA, enacted in 1970, regulates the collection, dissemination, and use of consumer information, including consumer credit information. The law is intended to ensure fairness, accuracy, and privacy in the collection and use of consumer credit information.

Key provisions of 15 U.S.C. 1681 include : XXXX Rights : Consumers have the right to access their credit reports, dispute incorrect or incomplete information, and seek damages for violations of the FCRA. 
Obligations of XXXX XXXX XXXX : Credit reporting agencies must follow certain procedures to ensure the accuracy of the information in consumer reports and must limit the use of these reports to permissible purposes. 
User Responsibilities : Entities that use consumer reports ( such as creditors, insurers, employers ) must do so only for legally permissible purposes and must notify consumers when adverse actions are taken based on a report. 
Enforcement and Penalties : The FCRA is enforced by the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and private individuals who may bring lawsuits for violations.

The law is a critical component of U.S. consumer protection, particularly in the area of credit and finance.
Product: Checking or savings account

I did 2 Did 2 cash outs from cash app to spruce. The second one went through but the first one never showed on my transctions. XXXX claims they never received XXXX deposit that cash app says sent and provided a trace number for which is XXXX. I requested documentation from XXXX  stating they didn't receive payment which they ignored my request and didn't provide as well as asked for the a payment trace which they wouldn't do or even acknowledge that request just went around it. Cash app claims they can't refund me and or reverse the cashout without a dispute even though I provided the screenshots for the chat conversations with XXXX live chat and my transctions Which does not show a transcation or deposit for XXXX
Product: Checking or savings account

I had a free 3 day trial with XXXX. I cancelled my subscription the same day I started it. However, they still deducted {$28.00} from my account. I also had a 3 day trial with another dating site and also cancelled it the same day. It was for {$19.00}. The second company cancelled my subscription and Chime returned the {$19.00}. Chime also credited my account the {$28.00} and said that if it was found that XXXX was justified in deducting the money, Chime would deduct that {$28.00} from my account again. XXXX cancelled my subscription effective the day I opened it, however, Chime decided XXXX was justified in deducting the {$28.00}. I canceled this account well within the time allotted. XXXX has not tried to deduct the {$28.00} again since my account was, in fact, cancelled. Both of these cases were the same set of circumstances. The second company willingly cancelled my subscription and the funds were returned to me, end of story. XXXX also willingly cancelled my subscription, but for some reason unbeknownst to me, Chime decided that it was justified and took the money back out causing all kinds of problems in my account. Both circumstances are the same. Why give me the money back on one and not the other. XXXX had no problem with the refund since I closed the account well in advance of the end of my trial period. Who is Chime to decide they were deducting the money anyway? It doesn't make since. If XXXX had no problem with it, what I Chime 's excuse? I asked and the man got quite smart with me and told me they revisited the situation and decided to deny my dispute. I asked again why, when it was the same incident as the other. He said he didn't have to explain the reasoning that they decided to deny my dispute and did just that. He went on to say he did not have to give me any further explanation. I said it before and I'll say it again, these online banking businesses need to have a tighter rein put on them. I have a right to know the reason they denied my dispute and what made it different than the second dispute filed the same day. Again, they were both identical, they both agreed to cancel my subscription with no problem. Why money was returned to my account from one and not the other. I thought my bank is supposed to look out for my best interest and protect me. Obviously, Chime does not look out for their customer 's best interest nor protect the customer 's money.
Product: Credit card or prepaid card

I am a victim of identity left for the past 1 year and a half, There have been numerous fraud charges and credit card accounts opened under my name without my permission. To make matters worse I have lost my wallet at a local gas station around XXXX of this year and everything in my wallet were gone. All of my IDs and my credit cards have been compromised, including my phone. Recently I have noticed there are numerous charges under many credit cards that I own and I've reported to my credit card companies promptly. Most have already issued a refund or provisional credit but the credit card company I'm having an issue with is DISCOVER card. They have declined my request to pursue refunds against a company that I have not done business with. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. I contacted the merchant directly and they have informed me some details. - IP address they have provided does not match my actual location or my IP address. - My legal/real name is XXXX XXXX XXXX NOT XXXX XXXX or any other names they have claimed the card was used under. - The email address those purchases were made under were not under XXXX and thus I have no access to them or know anything about them. - The pattern of those charges were inconsistent comparing to my purchase history with DISCOVER, I would and never have purchases anything in this amount within a short period of time. - Lastly, according to the merchant rules and guidelines competitors are NOT able to vote for themselves, so those charge can not have been under my account anyway and advise me to contact my bank to dispute it as fraud. - I have moved away from XXXX, WV XXXX since XX/XX/2023. I have returned to visit friends and family in XXXX but currently I reside in SC now as you can see my billing address.
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 the 3 credit bureaus 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 correct : XXXX XXXXBalance : {$530.00} XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXX XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$17000.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT INQUIRIES AND ADDRESSES REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE FRAUDULENT INQUIRIES XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX FRAUDULENT ADDRESSES 1. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX I had a rental screening done with XXXX XXXX and Ive been trying to get things disputed that made them deny my rental application which is on fair lexisnexis reported and eviction judgement that was withdrawal that I won in court I send several documents and they still will not remove it and a motor vehicle infraction from XXXX thats affecting as well that I dont agree anything over 7 years should be removed Im completely discouraged and they also denied me due to my soft pull inquiries that should have no affect on me
Product: Money transfer, virtual currency, or money service

XXXX was ghost frauded out of my account somewhere around XXXX thru XXXX of 2017. therefore making my house payment be sent back for insufficient funds. XXXX XXXX isn't working with me to resovle this matter, all there looking at is the ATM withdraws not the POS.
Product: Debt collection

On today XX/XX/2018 I ordered copies of my credit report and was horrified at the fraudulent accounts that are on there. Capital one which is showing two accounts and a XXXX XXXX showing two accounts for a XXXX XXXX   and a XXXX XXXX. I ordered my XXXX XXXX report like FTC told me to and capital one is on there for a 360 checking account which is not mine and it is negative
Product: Student loan

I previously had student loans under XXXX and XXXX before consolidation/forced transfer to Mohela. In XXXX, I took advantage of the XXXX waiver to consolidate a loan from XXXX onto XXXX in order to have previous payments count. XXXX was successful in updating all of my past payments to make them count. In XXXX, XXXX 's contract ended and my account was transferred over to Mohela. XXXX was very speedy in handling everything and updating my XXXX employment trackers in a timely manner. However, Mohela has been extremely slow. I uploaded XXXX XXXX employment trackers form ; one on XX/XX/XXXX, and then another one on XX/XX/XXXX. To clarify, I have five loans in total. I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but had not made 120 qualifying payments on two of the loans until XX/XX/XXXX. That was when I realized I needed to resubmit the form again for XXXX, while assuming Mohela would look at the most recent upload. The remaining three loans will meet the 120 qualifying payments for forgiveness in XX/XX/XXXX. I was supposed to have the first two loans forgiven under XXXX  by now. Mohela took close to 90 business days to process ( when XXXX would only take a week or two ). I logged in to my account today to see that Mohela finally updated the payment tracker... But they tagged my XX/XX/XXXX form as a duplicate and only counted from the XXXX form, when they should have counted from the XXXX form. My payment tracker is at 119 instead of the correct 120, and my two loans are not being forgiven on time. The remaining three loans should have been at 117 instead of 116. Mohela made a huge error. I emailed Mohela today to have them remedy it. Their customer service is often unavailable when I try to call. I'm afraid they won't take action to fix this and forgive two of my loans. Therefore I am now filing a complaint against Mohela - bad customer service, zero communication, being excessively slow in processing, and then not even doing it correctly. I need this mistake to be fixed as soon as possible.