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

During the first quarter of 2023 I was in a terrible car accident, then robbed of many important documents and valuables while I was recovering in the hospital that left me incapacitated for several months and unable to access my phone or work accounts. Upon healing and getting a new phone and attempting to login to all of my personal accounts, my banking app was reflecting a negative balance within the account. Prior to my accident all bills and costs were processed directly from this account and were set on auto payment. Throughout this time where I was in the hospital and healing medically, with no phone or computer access, someone/something gained access to all of my accounts and began to transfer money to various XXXX accounts and taking money from savings and transferring it to ATMs and making deposits and purchases to several other online businesses. Once I was able to gain a new phone and access to the banking application, I noticed the balance was below XXXX. For the past six-eight months, over a series of hundreds of transactions the account was negative and missing more than {$20000.00} dollars. My account was systematically drained of all of my savings and checking funds leaving negative balances for both. Also, the credit card was overcharged past the limit, a flex loan was taken out as well and is now in poor standing. 

I filed a complaint and spent XXXX hours on the phone going over hundreds of charges from XXXX XXXX current and then was spoken to by a man that interrogated me and ask me the same questions multiple times in some attempt to treat me as the criminal which was frustrating and insulting. 

The claim denied a few days later citing that they found no indicators of fraud because someone logged into my online account during the fraud timeline. That was their proof or indicator of no fraud and that either myself or someone I authorized made each purchase and transfer over that time frame which I told them that was impossible and no one has my permission or access to the account with my knowledge. They still denied it citing I need to send additional documentation to reopen the case, I also got it escalated to the legal department so I am hoping that this appeal and the legal team looking at it, that something will happen soon. 

Not to mention that the same fraudster had opened a plethora of personal loan to my account and stopped payment to credit cards and other billing transactions that have put me behind with my own loans, and credit card bills, in addition to taking out high interest loans and depositing them in my account then setting the account to pay weekly, no-weekly, and monthly payment plans to bogus loan companies that I have no control over or recourse as of this moment because Wells Fargo refuses to restore the funds that were taken from me. 

Please help, I have opened a new bank account but this ordeal has put me in financial ruin.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report. It is my understanding that you will review these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

This is inaccurate direct violation of 15 USC 1666 ( b ), Remove late payments! 

Please remove the following late payment accounts listed in my credit report immediately : 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: Debt collection

This debt does not belong to me. The open date of this debt is XXXX XXXX XXXX  and I was born in XXXX. This debt was also removed from my XXXX credit report already so I need it removed from XXXX and XXXX as well! I have been a victim of identity theft and my information was used without my knowledge for monetary gain! 

NY STATE HIGHER EDUCATION Date opened : XX/XX/XXXX Amount : XXXX Reported to : XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Okay from the date of XX/XX/2023 to today 's date cash app has not refunded me my money that they said would be refunded in two to five business days every time I tried sending money to a family member or friend my transactions were declined for my protection and were said to be refunded to my bank within 2 to 5 business days those days have come and passed and I have not received any refund the amounts are ranging from a {$200.00} transaction to {$600.00} and there's about 22-24 different transactions that this is applied to it's over {$5000.00} that they have taken out in these 24 transactions and were said to be refunded in two to five business days and now they are closing my account saying that I am in violation of the terms and conditions but will not let will not specify what it is that I'm in violation of the terms and conditions and won't speak to me any further about the refunds that they supposedly have refunded my bank has not received anything I have statements for everything proof of all of it I have called multiple times best to speak to a manager and I've been declined that option
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX OF XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
XXXX XXXX XXXX OF XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
COUNTY OF XXXX XXXX Family support with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there
Product: Debt collection

Companies keeps sending letters about debt and I have sent them a debt validation letter on XX/XX/year> and they received it in XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + My wallet and identity was stolen. I was apart of a major data breach connected to my employer. I didnt make any of these inquiries.
Product: Debt collection

My husband started receiving Pre collections notices from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, Az XXXX Telephone number XXXX. At the end of XXXX regarding a trip he supposedly was given in an ambulance on XX/XX/XXXX in XXXX XXXX, AZ XXXX # XXXX. We live in XXXX, AZ, He was not in XXXX XXXX since he has always work in XXXX, AZ. He contacted XXXX to notify them that it was not him. They told him not to worry, that they would take care of it. We continue getting the notices. I, his spouse called the XXXX on XX/XX/XXXX, the representative when it was time to verify the information XXXX His Social Security number ) stated that it was not the one they had in the system. I asked why were they still sending the bill to my husband if it was not him who was given the service just happen to have the same name but different socials. She stated not to worry about it and since the Socials didn't match it would not go on his Credit Report. Also that they would make a report on it and would call us once the issue was resolve. We stop receiving mail from XXXX. Shortly after that we began receiving notices from Bay Area Credit Service XXXX acct XXXX. My husband and I are trying to purchase a home, he was notify that his credit went down 60 points. After doing some research he found out it was because XXXX sent his account to collections, After we were told not to worry about it since his social did not match the account they had open, just happen to be he and the man who was given services have the same name. Now, on XX/XX/XXXX My husband after trying to fix this issue and us been told it was not going to his Credit Report, Called both parties again. XXXX XXXX XXXX XXXX told him that the only thing they can do is dispute this claim, but cant really do anything until the dispute is completed. XXXX told him that they are still reviewing the report from when I called on XX/XX/XXXX. My husband told him if his social didn't match the one in the account how come it went to his credit report. The supervisor didn't know what to tell him, just to wait until they review the issue. He also told them that when he called the first time he was told not to worry about it too. They stated they only had a record of me calling to resolve the issue and not him. Its been 6ms of them reviewing the incident.
Product: Mortgage

In XXXX XXXX XXXX we purchased a home. It consisted of two mortgages being serviced by XXXX XXXX XXXX XXXX ; they designated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX as nominee for their successors and assigns. XXXX XXXX XXXX XXXX ended up being involved in a lot of deceitful and unethical practices ; as a matter of fact, because we were young and for the most part, clueless about the financial aspect of home ownership, my wife and I were goaded into having two mortgages on the property. The loan agents also assured us that having two mortgages was a temporary solution and we would be able to refinance both mortgages into one mortgage within a couple of years of maintaining the mortgage. 
Over the years the mortgage was assigned to multiple entities to which they corresponded with us through postal mail ( USPS ). One of those entities happened to be Ditech Financial ; they took over both payments in accordance with the original mortgage agreement. 
In XXXX we tried to refinance the mortgage, like what was told to us in XXXX The companies that we contacted were adamantly against refinancing the loans and for good reason. We eventually went back to Ditech Financial and asked them to refinance the mortgages. They stated that they would not refinance the loans but that they would modify them. They sent out a modification letter, which we still have, and told us that we wouldn't have to do anything except pay a specific amount and maintain that amount for three months and our new payment would automatically go into effect, which we did. So to our understanding they combined both mortgage payments into one mortgage payment because 1. ) The single mortgage payment was $ XXXX {$60.00} less than the combined double mortgage payments. 2. ) The original mortgage was extended 10 more years essentially making it a 40 year mortgage. 3. ) They didn't mention any other payments in the letter nor did they send out any additional letters for the second mortgage. We found out after closing and after obtaining the book & page records from the Recorder of Deeds of XXXX XXXX and the title report that Ditech Financial was not eligible to collect money for the second mortgage because they were never assigned the second mortgage, which should be considered fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account, XXXX XXXX XXXX, is inaccurately reporting on the credit report for which is associated with my social security number and violates my consumer rights as it is the ONLY bureau reporting the inaccurate account and violates the following FCRA codes : The Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ), which requires that credit bureaus report accurate information about the status of an account. This inconsistency violates FCRA Section 607 ( b ), which requires credit bureaus to report complete and accurate information.These inconsistencies violate FCRA Section 623 ( a ) ( 1 ), which requires credit bureaus to report complete and accurate information about a consumer 's credit history and can harm the consumers ability to obtain lending.
Product: Debt or credit management

Equifax and XXXX have not been removing stuff off of my report ss they should. Multiple inaccuracies on my account that Ive disputed
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach-Blley Act ( GLBA ) to opt out of such information sharing. and I believe my privacy rights have been violated On XX/XX/24, I notified XXXX XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 
I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 , and I have retained documentation of my communication with the institution. 
Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that XXXX XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 
This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm.. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXX XXXX  complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers ke me. 
Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed byXXXXXXXX XXXX XXXX. 
Please feel free to contact me if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Product: Checking or savings account

My XXXX was compromised and someone accessed my bank account and was withdrawing money slowly so I did not find out of the hack. The hacker was withdrawing money around XXXX to XXXX when I was sleeping. They were buying something on a website called XXXX. The used an old ID to request loans that were denied thankfully. I contacted Wells Fargo to file a claim. They closed the case without even reaching back to me. They did not give any details of the claim, they just closed. I called them back because it has been a week since I first contacted them, and that is how I found out the claim was closed.
Product: Checking or savings account

Hello, I opened a savings account at TD bank that came with a {$200.00} bonus, but after completing the terms I never received the bonus. Below is a timeline of the events : Fall XXXX : Received mailer promoting " {$200.00} when you deposit at least {$20000.00} in new funds in the first 20 days and keep at least a {$20000.00} daily balance for 90 days. '' XX/XX/XXXX : Opened a savings account with TD bank and deposited {$20000.00}. 
Winter XXXX : Called TD bank customer service line to make sure the account qualified for the bonus, and was assured that they did. 
XX/XX/XXXX : Completed the terms for receiving the bonus. 
XX/XX/XXXX : The bonus was still not reflected in my account, so I called the store manager about the lack of payment. He was going to look into it but I never heard back about a resolution XX/XX/XXXX : Went into another TD bank and spoke to a manager about the issue. She claimed no promotional mailer was sent to my address. They asked if I had a copy of the mailer but I no longer had it after opening the account 2 years ago. I believe there may be an error in their electronic system about who/where the mailers were sent to, because I definitely learned of the promotion through a mailer I received in my mailbox.
Product: Credit card or prepaid card

Tried to buy a car and see a debt with the company comenity bank of {$3800.00}. I've never heard of spoke to these people before
Product: Credit card

I purchased 4 air tickets from XXXX, CA to USA with Chase XXXX card on XX/XX/2023. The flights supposed to depart on XX/XX/2023, but due to severe weather, XXXX XXXX cancelled that and provided alternative flights taking us back to USA 2 days later. This is a typical Trip Interruption case which is covered by the CHASE XXXX XXXX benefit, on 'Chase Guide to Benefits ', page 32, What Losses Are Covered? Severe Weather, which prevents a reasonable and prudent person from beginning or continuing on a Trip... We should be reimbursed for the lodging, meal and transport cost during the trip interruption, and it is exactly why used Chase XXXX card to buy the tickets at first time. 

But when file the claim to the Card Benefit Service ( XXXX ) asking to cover the cost of {$1300.00} during the trip interruption, the company just tried best to prevent honoring the claim. First, I filed a claim on the website with all the necessary evidence, and got an email saying the trip delay is not covered and closing the claim. I called the customer line, the agent admitted that was a mistake and asked me to refile a claim. But the system does not allow that and I had to call the customer line again. They first said will modify the claim on their side, then no feedback. Waited and called again, and was told that the claim was closed again cause the benefit does not cover that ... .. For the past couple months, I have spent so much time and energy calling the customer service, but again and again, the agents just promised to resolve, let me wait, no feedback, put me stay in the same cycle. Couple times, the agents just hung on me directly, and obviously, they do not want to resolve the problem and keep the promise what the CHASE XXXX XXXX made as the trip interruption insurance coverage. My claim number filed on XXXX is XXXX. 

I filed a claim against Card Benefit Service ( XXXX  ) through the XXXX XXXX XXXX but the company did not even response to XXXX XXXX request. So I think of CFPB, Please help to resolve this problem to protect our customers. Companies need to keep their promises instead of fooling customers. Thank you!
Product: Debt collection

CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX accounts XXXX. {$130.00} This account was removed from my credit report as fraud how ever it has still not been removed from my report effective my credit score
Product: Debt collection

Contacted company on XX/XX/XXXX to inquire why account was still showing Active on my credit report with extended late payments was informed by the credit card company that the account had been sold off in XX/XX/2019 but yet it is still showing the current late pavements a further affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute information with XXXX/XXXX by directly calling them, but the company phone number provided to my credit reporting agency is inaccurate. XXXX is not a valid number. Remove from my credit report due to inaccurate data supplied.
Product: Credit reporting or other personal consumer reports

Inaccurate bankruptcy record on my credit report. XXXX XXXX deleted from my report already. Also XXXX  deleted. Please delete this inaccurate information from report or I will have to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I went to buy a new car at XXXX XXXX in XXXX XXXX XXXX florida, they pulled 4 or more inquiries that we did not authorize on my husband and Is credit report. We are currently trying to buy a house but all these inquiries are making it hard. I want them removed. I was in a car accident that was not my fault, I had to buy a new car, I was injured, now they are having an impact on our financial goals. These are the names i found : XXXX XXXX, XXXX XXXX, NMAC, XXXX, and XXXX XXXX. 

This is not right and we did not know that they did this to us. 

Not to mention my experience buying a car at this location was awful! Everyone I know has had bad experiences with them.
Product: Debt collection

ABILITY RECOVERY SERVICES reporting a major derogatory item on my credit report. This is a third party company trying to collect a debt for a XXXX program. I didnt take any XXXX online classes or have any debt with them. they keep calling me and putting a bad major derogatory status on my credit.
Product: Credit card or prepaid card

On XX/XX/2019, I made a payment to my Wyndham Rewards credit card ( issued by Barclays US ). The payment was immediately posted to my credit card account and then removed from my credit card account with an explanation that my checking account that I used to make the payment was " closed ''. This is incorrect. The checking account that I used to make the payment is open, remains open to this day and has been used repeatedly to make payments to other credit card companies. On XX/XX/2019, that very same payment was removed from my checking account. I have tried to address this issue with Barclays through their website 's secure messaging system, by phone, and in writing. As of this date, I have only received acknowledgment of my correspondence and no indication of how or when this issue will be resolved. Meanwhile, Barclay 's is charging me late fees and interest on late fees because I have, so far, refused to duplicate that payment from XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please the items as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices violating the consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving accounts vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Election Find 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 or credit management

I was false accused of being a accident and a collection company has been harrasing me saying I owe XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : 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/XXXX