23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX, I'd inquired about a XXXX  XXXX  Application which I submitted XX/XX/XXXX, in regards to receiving the assistance that I was told that if I applied with detailed credentials then it'd be submitted to upper management for approval. 

I submitted all that was required of me, given the fact of the XXXX  XXXX  employment that I had being employed but becoming underemployed simultaneously, which information I provided to my Loan Provider to still be denied with no resolve. 

The information I was asked to give was only found through the XXXX system which at the time I was highly unfamiliar with since I was used to paper documents. 

That meant go through XXXX  hoops of getting the information on a very XXXX  time frame which while I was still trying to acquire more stable employment depleted my ability to keep my car which has XXXX  expensive items in it that due to it being XXXX miles away from me, let me incapable of having means of retrieval. 

My information that I submitted for mishandled because after my submission, I subsequently received a letter in the mail asking for information that I didn't have any way of giving XXXX due to having worked only XXXX day at XXXX. 

XXXX only corresponded by texts and I didn't have anyone 's contact information and had to wait daily on my assignment. 
This was wearing down on my mental health as well as my physical health and finances because I was XXXX in my payments and my XXXX XXXX was increasing but due to XXXX not working with me with the XXXX XXXX it became even more critical that they picked up my vehicle early XX/XX/XXXX. 

I'd tried and complied with the best options that were given to me by XXXX  representatives I'd spoken with before it became so detrimental and facing repossession. 

I made my payments on time and I always called them to correspond with them regarding what benefits I had as a member which to me was like NONE. 

They did not work with me even while I was trying to diligently accumulate the amount that I was told in the XXXX  days that I was given to retrieve my car back then after I called in for additional information, I was told that I'd needed to pay the XXXX  amount if I wanted the vehicle back which to me would've been XXXX  times I've paid for it as I'd already put a little over $ XXXX into the vehicle from the XXXX  Loan Provider I was with before I refinanced with PenFed. 

I needed my car and definitely feel that PenFed was fraudulent in their claims to help me to keep my car after all the documents I gave them.
Product: Checking or savings account

My Wells Fargo account held my deposit of 3= {$3000.00} deposited on XX/XX/XXXX because they said the funds were not available from the check maker XXXX XXXX but the fuds were there to pay the check since XX/XX/XXXX. I believe Wells Fargo is lying to me and had the funds on XX/XX/XXXX but won't release them to me until XXXX so they can do something with my money in the 10 days they held the funds.
Product: Checking or savings account

I asked ALLY Bank close 4 No-Penalty CDs on XX/XX/2023. They did not close the accounts in 1-2 business days as promised. Some of the CDs took 6 days to close and one is still not closed as of today ( three weeks later ). I asked that the money from the closed CDs be transferred into a savings account at ALLY bank that paid a higher interest rate. Because the CD closures were delayed, I was paid a lower rate of interest on that money than I should have. I called many times asking them to rectify the situation and as of today, it still has not been resolved- despite the ALLY Bank agent saying that the Bank will correct the situation. I suspect that I am not the only customer who ALLY Bank underpaid interest. Most people don't notice or are too busy to chase them down. I have spent several hours on the phone and emailing them. 

If the CFPB investigates ALLY Bank, they XXXX find that ALLY Bank has a pattern of keeping money that is owed its customers. The ALLY Bank agent I spoke to said ALLY BANK has been understaffed. To rectify the situation, perhaps the CFPB can prevent ALLY from accepting new customers until it shows it has adequate staffing and can maintain proper internal controls. Or, perhaps ALLY Bank should be broken up into smaller banks that would be easier to manage. If there were more smaller banks wouldn't competition increase, so the quality of service in the industry would improve?
Product: Debt collection

Was contact by collection agency debt was going to collections, I called XXXX on XXXX XXXX, 2016 and paid debt in full. She stated she would notify the collection agency. Did clear the bank without any problems. Noticed on XXXX XXXX, 2016 collection agency had posted negatively on my credit report. Called agency to notify them that the bill had been paid. Response was " too bad, it 's on your credit for 7 years ''. The gentleman on the phone was verbally hateful and stated I had to give them {$600.00}. Asked them to call and verify with original company that debt was paid in full or to give me a fax number as I did not have paperwork with me. Originally, he asked me to fax verification but then refused to give name or fax number. Have placed called to original company.
Product: Credit card

I do not accept your findings. I have forwarded your most recent communication to Rooms to Go however I am aware of my rights as a consumer and you are violating them by refusing to offer me a fair dispute resolution. I originally informed you the merchant was unhelpful with me when attempting to file a dispute. You as my card issuer received a dispute from me and despite you ruling against me due to signed delivery slips, sales invoices, and proof of delivery. I then provided you with clear communication stating the delivery had not been done and also pointed that you both sent and accepted signed delivery slips for separate deliveries which do not pertain to my dispute to deny my claim. You have stated you cant verify delivery slip legitimacy however I still want to know what information you have verified as legitimate since you have decided to charge me, the policy set for by Rooms to Go does relate to you as the financing option through you is what is referenced meaning you have an agreement not to charge until furniture is delivered with Rooms to Go and therefore with me the cardholder, I again want to know what this proof is as you cant tell me to go contact a merchant who I have tried to resolve with as my card issuer if I contact you to file a dispute you need to take the information provided including the information i sent disproving the proof of delivery used and properly investigate my claim.
Product: Debt collection

I keep getting contacted by XXXX XXXX of Aldous & Associates about a debt from a gym membership that I attempted to cancel via phone and in-person on several occasions. 

While I do not agree with the debt that the entity is attempting to collect, I have answered the phone and found myself talking to an automated voice message from XXXX XXXX XXXX  Aldous & Associates, never a real person to discuss the debt collection. 

Additionally, I have returned calls to the phone number mentioned in the voicemail to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, aka XXXX XXXX XXXX aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, XXXX XXXX, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. XXXX XXXX has provided a false statement to the CFPB and to me. XXXX XXXX stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX  had me at 30 days late in XX/XX/XXXX, Experian had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with Experian, 2 with XXXX  and 1 with XXXX, XXXX  shows me current never late, Experian shows me 30 days late and XXXX now shows me 60 days late, with no 30 day late before that. XXXX XXXX refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.
Product: Credit reporting or other personal consumer reports

It has been over 30 days since Ive been attempting to get my annual credit report from Experian. I have attached the error message. Ive tried multiple browsers, contacted support and still no assistance. My credit profile is also not frozen. I have attached a screenshot of the error message. I took a photo on my laptop also screenshot on my mobile device.
Product: Bank account or service

Description of the complaint On XX/XX/2015 I started a fraud claim. Somehow XXXX XXXX was put on to my account when I strictly said for her to NOT be on there. She opened up a total of like XXXX accounts in my name and drained me. I had {$50000.00} in a premier savings account not to be touched for a year for my kids, {$50000.00} in a regular savings not to be touched and the other ruffly {$120000.00} into the checking account. I did all the paperwork and sent it in from the branch on XX/XX/2015 and was on the phone with XXXX with the fraud department and she advised me that it was so obvious that it was fraud. We went threw every transaction and she said it was pretty cut and dry and I should have my money back in XXXX days. I have still not gotten anything back. I have called and been told that if I keep bugging they will keep it open forever and that I will never get anything back at all. Even sitting in the branch the other bankers were astonished and appalled at what I was being told and how I was treated. Due to this I have been starving, no electric, no water, ect cuz no bills can be paid. My kids had no XXXX or anything. A total of {$200000.00} was stolen. 

How complaint can be satisfactorily addressed My Money be refunded in a extreme quickness. I am also going to be switching banks.
Product: Debt collection

The office of Richard Sokloff sued me without the proper notification. I have n't lived at my old address since 2013. I have my new lease from my new place to prove this. Before they sued me a rep there threatens me that they were going to get a judgment although I was n't at judgment stage. ... They now have a judgment illegally.
Product: Credit card or prepaid card

I have made weekly payments to my credit card account. 
On XX/XX/XXXX2020 I had a {$50.00} payment scheduled to the credit card account. I received an email on XXXX/XXXX/20 that stated the transfer of my payment was not successful. The reason was stated specifically as " Online Payment Limit Exceeded ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$330.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- XXXX ACCOUNT 1. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$330.00} -This is not my account.
Product: Checking or savings account

i have a bank account in Wells Fargo. So i ordered my new ATM card since my old ATM wasn't working. i was told to wait for 10 days, and on the XXXX day on XXXX of XX/XX/2020 i got this message of unusual activities on my account, Apparently the new card wells fargo sent me I NEVER GOT IT, i called them directly and told them everything, they deactivated my account but till that point there were 2 authorized and 2 unauthorized transactions. so i was told they will take care of everything but after six seven days i got this mail that my claim has been withdrawn on my request, which i never did. I called them again and asked them why would they withdraw my complaint when i was not the one to do that. they did not try to answer my question instead they reopen it and now after 10 days they are telling me that they don't see any fraud in it, means they are not giving me back my {$820.00} and {$300.00} two authorized  transactions. instead what they are suggesting me now is to talk to the merchant directly and see if they solve my problem. i don't see a reason why i should do that when i never received a card and transaction made on XXXX of XXXX wasn't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached my Drivers License and SS card showing my name is XXXX XXXX with last 4 digits and the Bankruptcy filed in XX/XX/2017 is not my Bankruptcy. I had submitted previously my identity theft report along with police report. Please delete the XX/XX/2017 Bankruptcy appear on my credit report. As you can see the names do not match and SS number is XXXX. 

I'm also disputing XXXX XXXX XXXX According to the report, your showing my credit limit is {$500.00} and not the {$2000.00} that the credit limit is. I have attached a copy of my recent Credit Card statement that shows my proof.. 

I've tried to submit documents via Experian.com/XXXX but it is unsuccessful.
Product: Debt collection

A lawsuit was filed by XXXX XXXX XXXX ( plantiff ) on a credit account issued by XXXX, by the Mandaarich Law Group, LLP, XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. This is on a debt of {$1700.00}. I have no idea who the original creditor is. They are stating in the suit that the last payment was made on XXXX/XXXX/XXXX. This debt is more than XXXX years old. I have not recieved any communication from XXXX that I am aware of until I was served papers on Friday, XXXX XXXX, XXXX. I am currently on XXXX following XXXX breakdowns XXXX in XXXX and XXXX in XXXX for which I was hospitalize twice. The greater of the year of XXXX and partially in XXXX.
Product: Mortgage

MY NAME IS XXXX XXXX I AM ON TITLE AND MORTGAGE BUT NOT ON NOTE BUT RECEIVED A RIGHT TO CURE NOTICE WITH MY NAME AND BORROWER XXXX XXXX XXXX ON XXXX XXXX XXXX XXXX  MA XXXX   carringtomn mortgage in violation of MGL 244 35 .right to cure received was only 90 day should gave been 150 day.carrington mortgage did not fullfill all guidlines ounder mgl 244
Product: Mortgage

Selene Finance holds our mortgage and as a result the escrow account is totally non transparent and as a result duly on XX/XX/2022 I paid my insurance through XXXX the insurance company notified Selene that the insurance was paid in full I also contacted them on a number of occasions to tell them the insurance would not be paid in escrow and as of the first of the year my taxes will be paid outside of escrow. There is also {$200.00} that is taken out oof my payment and no one can tell me where this money goes. As of XX/XX/2022 the escrow account had a balance of {$2000.00} and as of XX/XX/2022 there is a deficit of {$2500.00}. Not possible!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the bureaus asking them to remove inquiries that DO NOT BELONG to me. I need them to verify the inquiries and they have not. Here are the inquiries on my report : XXXX/XXXX  XX/XX/20, XXXX  XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX  XX/XX/20, XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20, XXXX XXXX XXXX XX/XX/20,
Product: Checking or savings account

XXXX XXXX is stealing from she got my phone tap at her job XXXX & XXXX XXXX XXXX immediately help
Product: Mortgage

Just raise payments every month after one day late!! Interest is XXXX dollars more every time
Product: Credit reporting or other personal consumer reports

15 USC 1692 ( c ) Communication in connection with debit collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except
Product: Debt collection

Additional options to communicate. Written has been attempted as well. Only provided option by phone though that was earlier issue. Hearing impairment. Earlier attempts have failed. Identity theft report to Bank of America occurred when individual used phone to dial in automated system to change address, led to an overpayment several times and caused a refund that then they used to negate my account. Since I still owe and have failed to resolve. See attachments.
Product: Money transfer, virtual currency, or money service

Hi! 
I am following up on claim # XXXX which was closed and Cash App did not provide a response to the claim. 
Please see below for claim details : I am reaching out to complain about Cash App 's lack of action in addressing a scam that has happened. I opened up a claim for five fraudulent transactions ( Amounting to $ XXXX ) on XX/XX/2023 as I did not receive the final product from a merchant, who turns out to have been impersonating a XXXX XXXX Teacher for the past year. XXXX XXXX XXXX is investigating the case ( Rept # XXXX ). The first fraudulent transaction was executed through money added from my debit card account directly to Cash App and sent to the merchant, which was $ XXXX subsequent four transactions amounting to {$1000.00} were still pending transactions at the time I called Cash App, XXXX, and contacted law enforcement. Per phone recordings, it is evident that Cash App Customer 's Service refused to stop the payments or issue a chargeback fraud to help me, the victim, retrieve my money. The transactions were still pending since the money was NOT added to Cash App, thus the transactions were not processed yet. Cash App had sufficient time and information to be compliant and execute a chargeback to interject these fraudulent transactions from being processed but it seems as if they had not. I reached out to the fraudulent merchant to try and get a refund but was not successful. Throughout this deceptive situation, Cash App failed to responsibly protect me as a consumer from financial loss upon being informed about the situation. Both legal and financial institutions were informed about the fraud and the transactions amounting to {$1500.00} but Cash App and XXXX but both institutions failed to prevent the money from reaching the fraudulent merchants given the timeline and information received. I would like your team to further investigate this case and issue a chargeback fraud. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$3100.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX   XXXX XXXX {$46000.00} XXXX XXXX XXXX {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original creditor : 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

Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so.

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I recently changed phone numbers and updated my online banking with Citibank accordingly. It is common practice for online banking users to update their personal information only when necessary, usually just before they conduct a transaction such as a withdrawal or a transfer. 

I opened a new bank account at XXXX XXXX yesterday and attempted to transfer funds from Citibank to XXXX using online banking, but all attempts to do so were blocked, and the only reason given by the Citibank representative is that the phone number is not " verifiable '' because it has not been in the system long enough. 

To give some context, however, it should be noted that Citibank has been sending automated verification codes to this very same phone number since the new number was entered, however Citibank 's Fraud department claims that this number is " not valid for verification ''. Citibank has provided NO timeframe whatsoever within which the number will become " valid '' in their systems. 

Citibank has provided NO acceptable solutions to my issues so far, other than repeating the same excuses and providing no acceptable reason as to why a phone number their own systems have been using for verification is suddenly no longer valid for identity verification. They have asked me to visit a branch despite my informing them that the nearest branch over XXXX miles away or provide an alternative number, which contradicts their argument that they can't trust my new cell number because it hasn't been in the system long enough. 

Citibank has effectively accused me of fraud on my own bank account for the simple reason that they have arbitrarily and capriciously determined that a change in phone number is somehow deemed " suspicious ''. Given that I have banked with Citibank for the past 13 years, this is totally unacceptable.