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

I wanted to transfer {$4000.00} from my XXXX Goldman Sachs account on XX/XX/XXXX to the XXXX bank the money came from so I could pay for things. The bank put a hold on my account and didn't tell me about it until I logged back in after 5 days had passed. I called the bank on XX/XX/XXXX to see what I could do, but they didn't really help with it the first time because I called outside of business hours, even though it says 24/7 assistance. I called the next day, XX/XX/XXXX, to see if they could help. They helped, but they said that my phone number on file couldn't get a verification text. I have never had a problem with any bank where they couldn't get a verification code from my phone. After that they said they would seen me an Affidavit to sign and notarizes so they can prove it is my account so I can access the account. I called back after that intrusion to see how long it would take to get this in the mail, and they said 710 days, which is too long because I have payments due soon for XXXX.I asked to speak to a supervisor to see if they could do anything, and they said they didn't have any on duty and said to call back in 2-3 days to see if they had pressed my request to have it mailed to me faster.
Product: Checking or savings account

I had contacted XXXX to purchase a firearm and received a confirmation via email & text for my order once funds have been transferred ... and within moments of the transfer I did not receive any further information via text realizing that the website was fraudulent I contacted my bank to stop payment and they said the transfer was too late and already processed I asked to investigate where the payment went considering it was from my direct account to a valid number to no avail
Product: Debt collection

I am being sued by  XXXX   XXXX   XXXX  for a time-barred debt in the amount of {$4100.00}. They have filed a lawsuit in  XXXX   XXXX  TX case #  XXXX . I was never notified by them that they were filing a lawsuit. They are also reporting this time-barred debt to  XXXX . This debt was charged off by  OneMain Financial i n  XXXX    XXXX  .
Product: Credit reporting or other personal consumer reports

I am having major issues with finding inaccurate/ invalidated item after carefully pulling my credit report from your agency. I have no knowledge of these items or inaccurate information as my information was impacted by the XXXX XXXX data breach and may have gotten into the hands of the wrong person. 
XXXX XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

Good afternoon, my name is XXXX XXXX. I have read there is a debt settlement against Wells Fargo for any auto that was repossessed between XXXX and XXXX. My vehicle was repossessed on XX/XX/XXXX. I also read I may be due a refund for full gap coverage that was paid and not refunded to me along with illegal fees added. My acct number with wells Fargo was XXXX. The rep I spoke to today ( XXXX XXXX told me he was not aware of what monies I may be due with the settlement that is currently going on. What I read, I may be due a refund of up to {$4000.00}, but not limited to that amount. My address at the time of the repossession was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, La. XXXX. Can someone please contact me at XXXX once Wells Fargo has been contacted to discuss monies, I may be due. 
Thanks, XXXX XXXX. 
XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchase clothing online from XXXX XXXX and used their site and PayPal Credit since it was offered and it was offer no interest with Paypal for purchase made at XXXX XXXX if balance was paid in full with 24 months. 

So i purchase clothing items online of about {$550.00} worth us paypal to pay it and when the merchant ship the order and took payment. I should have be required to sign for the package as I have a Signature Require with XXXX, XXXX, and USPS unless the merchant authorizes the release and overides my sign required hold. In this case that is what happen the order with delivered by XXXX in three white shipping bags that where thrown on my porch and the bags where open and ripped and had one piece of tape on themin attempts to keep bags from being notice open which I took pictures of when i got home and saw them. I contacted the merchant and requested a return and refund. The merchant refuse to refuse money charged me return shipping fee. and confirm receipt of return this all within 14 days of purchase. I received confirmation they received return. but not refund and they claim to email me a egift card store credit for the amount when i requested and demand my Credit Account with Paypal that was charges be refunded. Merchant has not refunded anything to my paypal account. I have disputed the billing and charge with PayPal and PayPal Credit and the allow my dispute but come back in favor of merchant and stated a pruchase was make, and if I want refund I must return the items are you kinding me I did return items, I never signed and or accepted the packages and delievery and XXXX, USPS, and XXXX have on my online account restricted delievery address requires signature to delievery. The pacakages and items were delievry not as purchased and agreed, the items were damaged and open and not in new sealed conditions, if I had been present at delivery I would have refuse delievery due to condition of packages ( 3 Bags ) and again requested and demanded a refund and I paid for good to be delivery in a certian condition which the merchant and courier fail to down and therefore intitled to a refund upon return receipt of items from merchant which I received and which merchant charged me {$7.00} for shipping of returns to them. 
I disputed the matter with Merchant and attempt to resolve with no success, I disputed with Credit Company the charge that I was charge for items that I received outside scope of assume agreement on a online order and purchase and one did accept and or sign for it and therefore didnt accept the condition of items states during delivery and the items return merchant and my credit account should be refund in full or dispute should be in favor of me Of and now all my letters and there finding are not longer available to be to print and or save
Product: Mortgage

complaint against loan depot. Lender forced flood insurance on the property on XX/XX/XXXX and paid {$2500.00} causing an escrow shortage than now I'm repaying with a {$500.00} extra pmt per month. I provided several times an active flood policy to the lender showing enough coverage and no lapses and called them many times to see when the {$2500.00} will be refunded and deposited back on my escrow. They keep telling me over the phone that it will be soon refunded but still as ofXX/XX/XXXX i am repaying the mortgage
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received an email from XXXX XXXX that On XX/XX/XXXX Agua Financial did a Hard Inquiry on Me. I Have NOT Applied for ANYTHING I Just Did A Consoladation and My Husband plant is about to shut down because of Covid So THER IS NO WAY I Would ADD ANY MORE DEBT ON US!!!! If Yyall Could fix This I Would Be Sooo Greatly Appreciative. Thank Yall SOO Much For Helping People Like Us From People Like Them That Try To Completly Destroy Us Because They Think Wer Stupid and DONT Know how To Do Anything Because Wer From the South . But Thank You And You Will Be Blessed. My Name Is XXXX XXXX and My Number is XXXX and e-mail is XXXX Bless You
Product: Checking or savings account

Since XX/XX/year>025 my account at Ally bank has been restricted over 15 times. I noticed several ATM charges, some of which were out of town and some had a literal name listed on my bank statement. I filed multiple disputes for transactions made at 3 ATMs. These transactions included amounts of {$300.00} and {$200.00}. Ally has denied my dispute and sent me a letter stating that their investigation has concluded that the transactions were authorized when they clearly werent. They did not offer any further explanation for their conclusion. I am still restricted from my account and have been for almost a month now, in total, Ive probably had maybe 2 weeks of account access.
Product: Credit reporting, credit repair services, or other personal consumer reports

WHY is it that XXXX  & TransUnion have a public record listed in a fictitious name supposedly impersonating me? 

I've contacted the court for the supposed Bankruptcy however they stated that they never verified misinformation about a corporate fiction in my supposed name. I am the living soul, XXXX XXXX. 

Please remove any public records that aren't accurate. 

I've been asking the bureaus this for years!
Product: Money transfer, virtual currency, or money service

I am XXXX XXXX prestony concerns regarding Zelle 's handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They XXXX formed me that re vering lost XXXX : XXXX ) impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting

I am requesting the removal of a disputed item per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ). 
This item ( confirmation # XXXX ) was originally disputed on XXXX/XXXX/XXXX. 

I called to notify Equifax of the fact that the dispute was still not closed on XXXX/XXXX/XXXX. It has been a YEAR and I did n't receive a response. My confirmation number for that complaint is XXXX. 
As of XXXX/XXXX/XXXX the dispute was still being listed as under investigation.
Product: Money transfer, virtual currency, or money service

I've recently transferred money to a friend using XXXX from the Bank Of America Online Banking app. It was a quite substantial amount, {$2500.00}. The transaction ended up with my money going a wrong account. There was apparently another BoA account associated with my friend 's phone number. I did some research online and there were people out there faced the same problem without satisfied solution ( https : XXXX ). Per their advertising that users only need mobile phone number or email to start transferring money, and the fact that there could be more than one bank account associated with one mobile phone number has proven that the mechanism is a big security flaw in their software. And also the fact that this issue has been ignored for so long is unacceptable.
Product: Credit reporting, credit repair services, 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. DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX 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: Debt collection

I was contacted on XX/XX/XXXX I received a phone call from Chapman Financial services. The caller did not identify that the debt they were attempting to collect was for medical debt. The caller was rude and badgering asking why I don't pay my debts. The caller then inquired about my wife 's alleged debt. I asked to communicate via email to have a clear record. I sent Chapman 3 emails ( XXXX, XXXX, and XX/XX/XXXX ) requesting they verify the debt and giving notice the debt was disputed. On XX/XX/XXXX I received a letter from Chapmans attorney that gave account numbers the name of the hospital and amounts as follows : {$810.00}, {$1200.00}, {$1400.00}, {$270.00}, {$210.00}, {$700.00}, {$1600.00}, {$1300.00}. The letter failed to meet the requirements of RCW 19.86 and RCW 19.16. while also inferring the collector would get a judgement against me. On XX/XX/XXXX I received a summons as the debt collector had filed a law suite . This collector never attempted to settle the debt and instead rushed to court. The attached letter was the only communication other than the harassing call I recieved from Chapman Financial Services, a dicvision of MST Financial Solutions
Product: Student loan

I understand now that i was XXXX charged for a loan through XXXX.The loans are now under investigation and all of the schools are closing i was persuede to get XXXX loans as i continued school there i was not informed this when I XXXX signed up i was called several time just to enroll in that school and offered opportunities and still can further my career and ally credits will be accepted at any college well all that was false
Product: Debt collection

I have repeatedly contacted Portfolio Recovery Associates about a debt that they are claiming to belong to me. I have asked them to send me documents with my signature because the letters they are sending to my address does not have the correct spelling of my name. I believe they are reporting to the credit bureaus in error.
Product: Checking or savings account

My grandfather, who has been declared incompetent, opened this account for me many years ago for the purposes of funding anything I needed while I was in college. Recently, my grandfather became incapacitated and my mother and grandmother both have POA 's signed by the grandfather ( before he was incapacitated ) and filed with the clerk of court. He and we have always been told that when I reach the age of XXXX, the account would automatically transfer as long as I told the bank to transfer the funds and signed a form. Since XXXX, when I turned XXXX, the bank has not allowed me to get any funds out of the account and are demanding that I have a petition filed with the clerk of court and signed. Upon visiting the XXXX County clerk of court, they would not allow the petition to be filed because the law is clear and although my grandfather is incapacitated, he is not refusing me access to my funds. The petition the SECU is demanding to be filed with the clerk is only for someone who is disputing disbursement. We have visited the SECU over 5 times, the clerk 3 times and talked to several people at the corporate office over the phone and they will not release the funds. Furthermore, they indicated the disallowing of disbursement in my account so I could not visit the XXXX branch to get money out as initially done in 2017. That branch originally told us that we would just need to sign a form, after visiting XXXX, they too no longer allowed us to remove any money from the account. I have wasted lots of gas and time trying to get my money, being told 3 different stories and still not being allowed access. If my mother can't exercise the POA because she was told my grandfather doesn't own the account ; if the clerk will not allow me to even file the petition ; if I am not allowed to walk in and ask for the account to be transferred ... then who owns the account? and who has access? It appears the bank is not making sense of its own rules, but my interpretation of the law is clear. 

Pursuant to NC Gen Stat 33A-20. XXXX XXXX has reached the age of XXXX years old, the age of majority in North Carolina. The law states a custodian shall transfer custodial property to the minor upon the date the minor reaches the age of XXXXTransfer all assets to XXXX XXXX under a new account. 

This has caused a great amount of distress and angst for the family as the funds are needed to continue my education and pay for expenses. I have had to continuously borrow money to pay for these things so far.
Product: Student loan

Based on this post. 
I didn't get any emails, any mail letter, any phone with any voice message that My wages will be garnished I tried this is the 2nd involuntary 15 % of my paycheck that is withhold and they do not want to negotiated anything. My next paycheck will be on XX/XX/XXXX and they will take our from my back account and not directly from employer, however the are not willing to negotiated at all. and provide only no answer with not explanation and no documentation. 

https : //studentaid.ed.gov/sa/repay-loans/default/collections # wage-garnishment I have the right to : be sent a notice that explains EDs intention to garnish your wages in 30 days, the nature and amount of your debt, your opportunity to inspect and copy records relating to your debt, your right to object to garnishment, and your option to avoid garnishment by voluntary repayment ; be given an opportunity to enter into a written agreement under terms agreeable to ED to establish a voluntary repayment agreement ; be given an opportunity for a hearing to present and obtain a ruling on any objection you have to the existence, amount, or enforceability of the debt ; any objection that garnishment of 15 percent of your disposable pay would produce an extreme financial hardship ; or any objection stating that garnishment can not be used at this time because youve been employed for less than 12 months after having previously been involuntarily separated from employment ; have the garnishment action withheld by filing a timely request for a hearing, until the hearing is completed and a decision issued ; not be discharged from employment, refused employment, or subjected to disciplinary action due to the garnishment, and to seek redress in federal or state court if such action occurs ; initiate any legal action against your employer if the employer discharges, refuses to hire, or takes disciplinary action against you based on the garnishment action ; and not have any information provided to your employer regarding the garnishment other than what is necessary for the employer to comply with the withholding order.
Product: Debt collection

I agreed to a 12 month lease at the apartment complex, XXXX ( XXXX ) in XXXX, Ohio from XX/XX/XXXX-XX/XX/XXXX. This agreement was upheld by both parties through completion with no issues. Toward the end of the 12 month lease, I provided my 45 day notice of termination ( email sent in late XX/XX/XXXX ). After I provided the notice, I inquired by email about potentially staying an extra month but I did not receive nor sign any new terms for a month to month agreement. The apartment complex, however, took my inquiry as a contract and signed me up to stay in XX/XX/XXXX without me agreeing to the new terms. I moved out on XX/XX/XXXX as per the original and ONLY agreement that I ever saw or agreed to the terms of. 
Simply put, I am now unable to get a loan because the apartment complex sent my supposed XX/XX/XXXX rent payment to a collections firm, FabCo ( Federal Adjustment Bureau , Inc ) and they, in turn, reported the non payment to my Credit report. The collections firm can not provide the XX/XX/XXXX/month to month contract ( because it does n't exists ) but they claim my email to the apartment complex is sufficient, even though there is nothing in the emails pertaining to the terms of a new agreement. I have sent several emails to other apartment complexes, XXXX private sellers about cars, etc. telling sellers and companies them that I want something, but I have never been held liable for something unless I see and agree to the terms of the agreement, until now. 
Fabco suggested that I hire an attorney or else pay it. Apparently they feel that you can hold consumers to the terms of an agreement without a signature or acknowledgment of the terms of said agreement, and an email without confirmation of the terms is sufficient. This is the only credit reporting issue that I have EVER had. I pay my bills every month and have ( had ) an exceptional credit rating. and while I 'm tempted to pay this to get it off my credit, I can not imagine allowing this poor business practice to prevail.
Product: Prepaid card

Hello, I was awarded with {$300.00} eGift Card by my employer on XX/XX/year>. 

They were 3 {$100.00} American Express Virtual Reward eGift Cards, but I could not spend it anywhere, all the merchants declined the cards. 

I tried to call customer support, but their answer was to try other merchants, which I did, but none of them accept the cards. 

In conclusion, I could not spend all 3 of the cards.
Product: Credit reporting

The Fair Credit Reporting Act was established as Section Nine XXXX 9 ) of the 1970 Currency Act, otherwise known as Public Law 91-508, and subsequently amended many times. It was established to protect consumers as well as the commercial banking industry. It also establishes a playing field for full disclosure on the validation or verification of credit trade lines or items of public record. 
An item of public record being a judgment granted to a creditor against an individual, having the right of being on a credit bureau, that are part of credit reporting agencies ( CRA 'S ). These items have a right to stay on one 's credit report for XXXX XXXX 10 XXXX years from the date the judgment was granted. However, several changes have been accomplished recently based upon rules on re-aged debts. 
Bankruptcies have a right to be maintained on credit bureaus for ten XXXX 10 XXXX years, be it a Chapter XXXX or Chapter XXXX. 
I personally, as part of my right under the Fair Credit Reporting Act have a right to know where an item of public record originated from, such as a public record vendor. It must be presented to me who the public record vendor was, their contact information, and a person XXXX s ) responsible for the maintaining of any true copy original of an item posted against me on any credit bureau ; i.e., XXXX Trans Union respectively. 
Accordingly, I have submitted a request for full authenticity of a bankruptcy posted against my credit bureau, and that no disclosure has been submitted to me as to where this information originated from. 
I respectfully request that since the credit reporting agency in question has failed to live up to the high standards of the Fair Credit Reporting Act, that this bankruptcy listed be deleted permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Never open XXXX account nor XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never on account identity is being use fraudulent
Product: Credit reporting or other personal consumer reports

I completely unaware that I am an authorized user on the zales account. I didnt even know I was on this account. I have never used this account I have no card or access to use this account. Im going through a XXXX and my name is on this account without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit inquiry from XXXX XXXX on XX/XX/2021. Did not apply for credit. 

Credit inquiry for SYNBC/Amazon for XX/XX/2021. Did not apply for credit. 

Inquiry for XXXX XXXX for XX/XX/2021 and XX/XX/2021. They were both loan applications. I was told if loan applications were done within 30 days it would be 1 credit pull so 1 inquiry.