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

On XX/XX/2021 I deposited a payroll check for {$2300.00} into my checking account with Chase Bank. This resulted in my accounts ( checking, savings, and my kids checking accounts ) being restricted and then closed on XX/XX/2021. It is now XX/XX/2021 and I have yet to receive my money from the bank, when I call to check on status of the check being mailed they say it has not been released to be mailed. 

I am now 30 days without my payroll check. Their initial statements of the check being bad caused me to leave my job for a week until I saw that the money was fully available in my account. 

I am now out my XXXX and Im getting charged late fees and reconnect fees from my utilities companies as I struggle to make ends meet without my payroll check.
Product: Prepaid card

SINCE XXXX XXXX EST XXXX XXXX Rush card customers ca n't access their funds via atm. They ca n't make store/online purchases. Customer service XXXX number no longer works. Website & mobile app is XXXX for current customers to access accounts. Those who can access their account balances are incorrect & direct deposits are n't reflecting in accounts. People are stranded. They ca n't get to work school or health care. They ca n't buy food or prescriptions. They ca n't pay rent or utilities!!! WE NEED HELP!!!
Product: Credit reporting or other personal consumer reports

XXXX XX/XX/XXXX I sent letter stating we were never late XXXX XX/XX/XXXX I emailed and sent letters to either remove or update called several times i lost count XXXX XX/XX/XXXX emailed letters and support documents XXXX XX/XX/XXXX again called, emailed and sent certified letters etc.etc!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 XXXXXX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX XXXX XXXX XXXX XXXX - ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX Balance {$1500.00} ; XXXX XXXX XXXX XXXX Balance {$630.00} ; XXXX XXXX XXXX XXXXXXXX Balance {$690.00} ; XXXX XXXX XXXX Balance {$3600.00} ; XXXX XXXXXXXX Balance {$4500.00} ; XXXX XXXX XXXX Balance {$2200.00} ; XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX  XXXX XXXX Balance {$1100.00} ; XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX XXXX Balance {$950.00} ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX CT XXXX, CA XXXX ; XXXX XXXX WY XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

There was a title loan taking out instead of financing the XXXXXX/XX/XXXXI have been asking about when they auctioned the car I technically owned it there was a memorandum title In my name and a lien holder so I was supposed to pay off a XXXX $ title loan I made payments for 8 months the loan was paid off by cfpb and I don't know how having a memorandum title in my name works to get an official title but I know that was a title loan like half car half money like the car lot already sold the car for a loan off the original title so the loan was taking out in my name I got funds from the other complaint XXXX I think but having the car partially owned wasn't fair
Product: Mortgage

XXXX XXXX XXXX XXXX. XXXX Home loan fianced amount XXXX Down payment XXXX This loan took forever to close. We went back and forth because of credit issues. However, I paid off everything except my cars on my credit report. People were pulling my credit report all the time which was making my score continuing to go down. I had already had a commitment for a mortgage and all the demands were met, but for some reason the back would not give me the clear to close. So this company took it in the own hand without asking me and switched lenders. I was just going through my email and noticed there were documents for me to sign. These days I thought it was a scam, but I thought I would check with XXXX and see if it was something they did. Sure enough it was and I would told to open it up and sign them ASAP. XXXX  me I do so, I was told everything was the same. From that point I heard nothing from them for 10days. I received a phone call from my attorney XX/XX/18 and said we were closing in 2 hours and bring my checkbook. When I got to the closing, the closing figures were still coming in. Remind you, I am a first time home buyer,  FHA loan, 5.50 % because I had a low credit score, now I had to put 10 % down I was told at one point with closing costs and 10 % down on a XXXX loan it was be XXXX. Keep in mind my credit is all paid off. Well guess what, at closing I needed XXXX Plus XXXX for a XXXX Credit Card that I was an authorized user on and XXXX. on XXXX XXXX that I was also an authorized user on for my daughter. I did not have that extra money but had to pay in order to close. XXXX   never informed me of any of that. I have never heard from them since they changed lenders on me. They stole from me, damaged my credit even more, and fudged numbers. The lawyers I worked with even the bank attorneys could not believe what they were seeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted application through XXXX XXXX which advised that inquiry would be a soft inquiry ; however after reviewing my XXXX credit report this inquiry is appearing as a hard inquiry that has resulted in a decrease in credit score that I did not authorize on XX/XX/2022.
Product: Checking or savings account

On XXXX XXXX XXXX, after winning {$50000.00} at the XXXX, I partly cashed it after taxes at XXXX XXXX where I was given {$10000.00} in cash and a {$26000.00} cashier check. I deposited the check and {$9000.00} in person at Bank of America for it to be credited to my account. I was told that the check would be partly available on the XXXX, and the remaining on the XXXX. 
Come XX/XX/XXXX, not only none of the check cashier check was credited to my account, but the {$9000.00} in cash was debited from my account because of a hold, the reason being " information indicating the check ( s ) may be returned. '' Today, XXXX XXXX XXXX after being informed by Bank of America that my account is being closed because the XXXX XXXX check is counterfeit, I returned to XXXX XXXX where I was told that my check was paid on the XXXX, the same day it was deposited. I called their online check verification line, and the same information was confirmed. 
I called back Bank of America and they maintain that my account is closed because the check is fraudulent.
Product: Mortgage

Bank XXXX XXXX was charging us {$49.00} late fee then XX/XX/XXXX drop our late fee to $ XXXX.PennyMac bought our loan in XX/XX/XXXX.We contacted them because they sent us a payment showing we will be charge {$49.00} late fee we send them paper work to show that we have been charge any late fee of that amount since XX/XX/XXXX.But they are saying it will be {$49.00} late fee no matter what.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

Again, I was the victim of identity theft and this is my numerous request to block or remove the information in my credit file resulting from the alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any item not later than XXXX business days. Ive already included this report in a previous letter & I am including it again. Also, the information you provided on this item is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. This is to notify you if you do not REMOVE the listed items on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to clean my credit reports to the current date. I have sent letters requesting the removal of the bankruptcy reported by XXXX XXXX XXXX. I had the bankruptcy removed from this reporting agency back in XX/XX/2021. I have constantly written to XXXX, XXXX, and Equifax requesting that this information be removed, to reflect that it was removed from XXXX XXXX XXXX report in XX/XX/2021. I will list all my information concerning this in my disputes and show how they will not update my credit report, with the current information that is reported by XXXX to date. All information related to the Bankruptcy and accounts should be removed from all three credit reporting agencies. These credit bureaus, that I have worked with over the last 3 to 4 years, have cleared information from my reports with no problem. I have removed old addresses, phone numbers, and incorrect business names, that were connected to someone with the same name as mine. This has become a really difficult process, but I must fight for my credit history to be updated to reflect my current situation.
Product: Mortgage

NewRez is a company who has assumed my home mortgage recently from XXXX. I decided to pay my mortgage loan off, Using Newrez website to determine final loan pay off amount on XX/XX/2019 which was {$3600.00}. I arranged for payment through the website and called to confirm that NewRez had received final payment on Friday, XX/XX/2019. Speaking to a representative on phone they had not yet taken payment from my personal XXXX banking account. So I gave her permission over the telephone pay off the loan of {$3600.00} using my XXXX bank account. On Monday, XX/XX/2019 I was notified by XXXX XXXX that there was an issue with my bank account, NewRez had withdrawn the money twice. The first time was on XX/XX/2019 and the second time was on XX/XX/2019. This caused an my XXXX banking account to ended up with {$0.00} in my personal checking account. This has left me with no cash available until my next paycheck. I have called NewRez several times during the week. Initial call was made on Tuesday XX/XX/2019 and after review of my records I was informed they made a mistake by withdrawing the funds twice. They acknowledged my mortgage was paid off on XX/XX/XXXX. As I explained on the phone by withdrawing the {$3600.00} twice they took all the money in my checking account. So I requested NewRez return the {$3600.00} they took out inappropriately after the loan was paid on XX/XX/XXXX. Initially I was told they would return the money in a few days, since then I have contacted them 3 times and explained they were given approval to withdraw {$3600.00} once, not twice. The second withdrawal was not approved. This was taken out after my loan was paid in full. I have been given various answers as to when I would have my money returned. Today XXXX I requested escalation to a supervisor or someone who could solve the problem after telling 3 employees from NewRez  I was going into the weekend with no cash in my XXXX bank  account because they had withdrawn the {$3600.00} inappropriately. This would cause a hardship leaving me without cash until my next paycheck. Today on Friday XX/XX/2019 the representative by phone tells me it will take 10 days to be reimbursed. 

In conclusion, my complaint/issue with NewRez   is after contacting them about final payment on my mortgage loan and being told they can handle it on the phone they have withdrawn money from my personal checking account 2 times. Friday, XX/XX/2019 {$3600.00} and again on Monday XX/XX/XXXX another {$3600.00} causing my personal XXXX bank account to end up with a balance of {$0.00} and leaving me without cash which is a considerable hardship. There is no reason after the mistake was identified and they acknowledged taking the {$3600.00} ( after my loan was paid in full ) the money has not been returned. In today 's electronic banking world this could have easily been accomplished within a 24-hour timeframe. NewRez should not have withdrawn money from my personal checking account after the loan was paid off.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block Inc ) due to inadequate customer service, and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed. To take timely and effective measures to prevent an address fraud on their platform, leaving My Account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions. Have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I recived a bill today ( XX/XX/XXXX ) about a hospital visit on XX/XX/XXXX. I called the debt collection agency and they said it was from a hospital, even though I explained I paid my bill. I called the hospital billing department XX/XX/XXXX, and they said that I paid my bill and they did not send anything into collections. They instructed me to call their collection agency, which I did. That collection agency said I had a bill from XXXX but that I had sense then paid it off ( which I did ). So the debt collector is saying I have a bill from a place that is saying I do not and did not have a bill. I do not want to pay this bill that does not exist, but the collection agency told me that if I didn't pay it would impact my credit. Im afraid this is either a scam, or a mistake.
Product: Money transfer, virtual currency, or money service

Around XXXX, I sold a pair of XXXX headphones via XXXX. I sold it to a man for about {$190.00}. He paid me via paypal and asked me to send it asap as it was his brothers birthday present. I understood of course, so I sent it as soon as i could. Of course, I didnt know that it was a pending payment, not yet fully received in my account because as soon as it was shipped, the buyer canceled his payment. I tried calling XXXX and they said there was nothing they could do ; i was scammed. I tried calling paypal, but i was put on hold for 30+ minutes multiple times. I tried the call me back function several times and I was never given a call back. I tried filing a dispute on the Paypal website but it said lets try that again. Looks like something went wrong on out end. I tried multiple times on all browsers ( XXXX, XXXX, and XXXX ). I finally tried emailing their customer service but they just sent me a generic message saying that it was the " transaction was not eligible for PayPal Seller Protection '' and recommended I just file a complaint to the XXXX, which I have already done, and have yet to hear from either. Overall, it has been impossible to contact Paypal, and they have done absolutely nothing to even try to remedy the situation.
Product: Debt collection

Transunion and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit card

Trying to make payments to Synchrony Bank through their automated system since they charge {$10.00} for agent payment help. However, I feel there is a scam in that you can not get through. You enter what they ask and it does not take. Over and over again. You are endlessly trying to make a payment then because it is not made I get a late fee or charges. You also get a message that wait time is extensive please call back later. Secondly, when they call they say they are Synchrony Bank but do not give any other information. When I call they ask why am I calling - DUH. I have multiple accounts with them which one is it? This occurs month after month!
Product: Credit reporting, credit repair services, or other personal consumer reports

I check all 3 credit report companies everyday - sometime as many as 3 times per day. I am very aware of my credit scores. 3 times now my score on Equifax has dropped dramatically for absolutely no reason. I checked everything on the reports. This last week XX/XX/XXXX the equifax dropped 42 points. The only thing that changed was several accounts showed lower credit card balances. I checked all parts of the report, accounts, balances, inquirys, payments, lates, nothing changed at all. It was the exact same report as the past few weeks, only change was the equfax score dropped 42 points. When contacting I was told that its just the way it is and nothing can be done to fix the problem. Also the score has always been within a few points of XXXX XXXX. XXXX XXXX is now 40 points higher. Nothing is different and there is no reason the score should drop and they have no reason it was lowered and will not change it back nor do anything more to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX please delete hard inquires
Product: Money transfer, virtual currency, or money service

Chime the Company. 

I have tried to access my account through the company directly to no success. I even tried to reach out directly to their CEO and I have not heard back at all, which shows their company culture 's imbalance and lack of respect for their loyal customers reflecting their discriminatory practices. 

The customer service people have not gotten back to me regarding the status of my account with them and they keep asking for a selfie with a piece of paper with the customer 's name and date holding it up like a terrible mug shot. 

US Citizens will not participate in the company 's requirements as the official government issued ID is solid and good enough to prove identification with the proper tools necessary in person when it comes to financial services. 

Please look into this technology company 's best practices to ensure that people 's identities are intact and belongs to the proper folks whom it belongs to. Their digital verification is wonky and I have not been able to access my Chime account since they keep asking people for selfies, which I refuse to participate in. 

I will never bank with a digital banking company that does not have an in person site ever again. I don't even know if these companies are really run by the people who claim to be live people for all I know. Please do look into Chime " bank '' the company deeply, for the sake of the consumers. 

Thank you.
Product: Student loan

I submitted the following complaint via XXXX XXXX XXXX on XX/XX/year> : " My servicer, Mohela, is generating emails to update passwords, user names and email addresses that are sent from amazonses.com. Suspecting I may have fallen prey to a phishing scam ( I clicked a link and provided my birthday and SS ) I contacted Mohela to verify. They are unable to say whether or not their emails are being sent by XXXX, yet they are able to tell me I was active on Mohela on the dates in question. I requested some additional security, such as a fraud alert, but this was declined. 

The case was closed, but no action was taken. I still do not know if they send emails from amazonses.com or not, so I am reluctant to take any action online.