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

Attempted to deposit money via the atm : XXXX on XX/XX/XXXX @ XXXX the receipt given showed XXXX. I thought it was a system glitch but when my money was not accessible, I went to the local branch to inquire and was told I had to wait for a letter from the Fraud team and there was nothing they could tell me or do. The entire time I could access my account and see my balance via online banking system. I have waited for the letter and nothing so I returned to the local branch today XX/XX/XXXX and was told the account was closed on XX/XX/XXXX but again no resolution. I then called the customer service phone number and was told by them that no amounts showed to be enough for fraud to flag the account. After escalating my issue to XXXX ( manager ) I was told that it was a dispute but no disputes were initiated by me. He then said well we have the right to close any accounts without reason. I explained the doesn't make sense as the issue started 2 weeks ago and the account has been open without any explanation from XXXX. In addition, the importance of keeping my account open for deposits etc. As a consumer I think this is truly unfair treatment and unjust. In addition, they have held my monies for over 2 weeks. My overall resolve would be for my account to be reopened as to avoid any further hassle and frustration with already existing deposit setups etc. I also feel they should pay interest on monies they have held from me.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

According to XXXXXXXX XXXX XXXXXXXX XXXX  XXXX is supposed to insure Maximum Possible Accuracy. This account violates these laws. 15 USC 1681
Product: Checking or savings account

I XXXX XXXX ; XXXX and writing you today as an aggrieved man. I filed a claim with Santander bank regarding my stolen debit card and or information. There were various unauthorized charges made against my checking account without my permission and or knowledge. I advised Santander bank of this ; the claim amount came to XXXX. Santander bank gave a provisional credit to account and then ruled against me, taking the credit back thus overdrawing my account. I wasnt even given the entire amount stolen from me back. I humbly request Santander fix their mistake and the XXXX be put back into my account immediately. Thank you.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I deposited a check in my grandfather 's account at chase bank for XXXX the lady had told my grandfather and I it would be available in XXXX days. So when we went back in in XXXX days it was on hold. They need to verify the check with the lawyer, my grandfather and me. So my phone number I have them does not come up under my name. Chase tells me to go buy a new phone from XXXX so I do XXXX dollars later that I really didn't have to spend. still not able to verify that number now.I am about to lose my storage and my place if I don't get this check settled in a few weeks. It has been almost XXXX months this has caused me and partner slot of grief and stress in our lives which I do not need. I need this taken care of I'm literally losing my mind over this. I can't believe I have to wait to get my money from a car accident and chase knows it's not fraud they have already released the funds. JUST CANT VERIFY ME. This is so ridiculous. I don't know what else to do.
Product: Student loan

XX/XX/XXXX my loans went into forbearance without my consent. I filed a complaint about art institute and in XX/XX/XXXX and Naviant. When that complaint was processed they must have put my loans in forbearance. I was on autopay and now it 's stopped. I 've called naviant but do n't have 1 hour to wait on the phone only to get a callback. I 've emailed them. <P/>Naviant was calling my phone 8 times a day before this even though I was on autopay. Not sure how to handle this. My interest rates are so high that I 'm not touching the principle.
Product: Debt collection

I I have notified them and XXXX showed a signed letter from the company they're trying to collect for that states I don't have any kind of balance with them and they still keep trying to get me to pay it
Product: Credit card or prepaid card

I submitted a claim here on CFPB for CapitalOne on XX/XX/19 to reinstate my card. I was contacted by a XXXX XXXX shortly after my claim. I choose to contact CapitalOne today XX/XX/19 to check on the status of my request and they mentioned they have declined my request. They also indicated that they contacted me letting me know that my request had been declined, however this never took place.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX
Product: Mortgage

I closed on my home in XXXX of XXXX and the loan was quickly sold to Home Point Financial. I received my first escrow analysis statement in XXXX of XXXX showing a very large escrow shortage, causing my monthly payment to increase by over {$250.00} starting in XXXX of XXXX. Examining the statement further along with the closing documents from when I purchased the home, I saw that the problem was that Home Point made a duplicate tax payment to my county. This payment was unnecessary due to the title company already making the payment when I closed on the home. I contacted Home Point immediately and the process took nearly 5 months to complete. Initially Home Point told me I needed to contact my county, then my county told me I needed to work it out through Home Point. I called Home Point many times throughout this process for updates. Each time I was told there was a note in the system that everything should be completed by a certain date. I would call back on that date and of course it wouldn't be complete. I asked every representative I spoke with, including managers, to proactively contact me when there were any updates on the situation and not a single representative or manager called me at any point during this process. At long last, the county sent a refund check and Home Point processed a new escrow analysis to bring my payment back down, but I had to make 2 mortgage payments at the higher and incorrect amount while this was being " worked on. '' I asked multiple representatives including a manager named XXXX if I would be able to be refunded for the extra amount I was being forced to pay due to their mistake, and multiple times I was told " yes. '' I called today to ask about the refund process for the {$500.00} or so that I over-paid and was told that no refunds would be given. It was Home Point 's mistake that forced me to pay an extra {$500.00}, and their poor customer service and dishonesty has led to me just being out that money with seemingly no recourse.
Product: Credit reporting or other personal consumer reports

Notice of Claim and Notice of Inaccurate Information on my consumer File. The inaccurate Trade lines Reported to my File is Directly effected my Household! Transunion XXXX and XXXX allowed Inaccurate information on my file Ive Requested them to Remove the items from my File that are Direct Violations of my Consumer Rights and Privacy Rights. XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Auto ) XXXX ( Miscellaneous ) XXXX XXXXXXXX XXXX ( Miscellaneous ) XXXXXXXX XXXX ( Miscellaneous ) XXXX XXXXXXXX ( Bank ) XXXX XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXXXXXX XXXX XXXX  ( Finance ) XXXX ( Miscellaneous ) Today Credit XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 XXXX XXXX, I havent Done any business with any of these companies nor has my members of my household delete these Inquiries from my File by my ORDER immediately. 
XXXX XXXX XXXX is Reporting Late Payments on XXXX XXXX XXXX. I have no knowledge of the experience Ive requested method of verification but never received anything XXXX XXXX is Reporting inaccurate for XXXX XXXX XXXX XXXX XXXX I have no Knowledge of these Experiences who gave them permission to furnish Private information. Consumer finance is Authorized to Remove these Accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that is found on my credit report. But still those inaccurate information are constantly reported on my credit report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE FOLLOWING INFORMATION COMPLETELY FROM MY CREDIT REPORTWrong address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXXCorrect address:XXXX XXXX XXXX XXXX XXXX XXXX, Va XXXX Please remove any other addresses. Correct Phone number : XXXX Please remove any other phone numbers. Correct DOB:XXXX Please update and remove any others.
Product: Student loan

I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is currently affecting my ability in being able to be approved for a mortgage due to reporting inaccurate payment history on all 3 bureaus. Showing me with late payment on XXXX, XXXX And XXXX in Experian, and different reporting on XXXX and XXXX XXXX. Im currently under contract and will possibly lose my escrow due to this. PLEASE HELP ASAP!
Product: Mortgage

Recently we applied for a Home Loan with Veterans United out of XXXX, MO. Upon initial conversation with their Loan Officer. He spoke to us in a very Disrespectful manner. We asked 1 of their Upper Executives for a New Loan Officer. She would not assign a new Loan Specialist for us. We also noticed that our W-2s had been Under Review for at least 2 weeks. We asked the same Upper Executive for answers as to why these things were happening and never got any follow-up from her on our questions. We also were informed that the Loan Amount on our Application was for a XXXX loan.
Product: Consumer Loan

I paid off my auto loan in full n XX/XX/2016 with US Bank. I call in to their Auto loan department and when it asks me for my last XXXX digits of my social security number, it finds a mortgage account and takes me to their department. They have tried to transfer me to their auto loan division but I am asked for my social and get transferred back to their mortgage department. I am now two months into having paid my car loan in full and they have in all likelihood sent the title to my old address. There is no US Bank location within XXXX miles of my location ( per their website ) and I cam unable to contact them via phone. Meanwhile, somebody else has the title to my car and can now legally sell it without my knowledge. My address was current in their system since my new condo is financed through them. I would caution anybody from having more than one type of loan with US Bank.
Product: Mortgage

XXXX XXXXEUSTIS MORTGAGE on dated XXXX left a inquiry on my credit report that has effected me, under the FAIR CREDIT REPORTING ACT, they habe validated my right was a consumer.
Product: Checking or savings account

Navy Federal Credit Union is continuing to collect insert late fees and interest on a contract that was rejected and replaced with a promissory note that included no interest and no late fees. 

Navy Federal Credit Union is reporting this account as a charge-off although they are still receiving monthly payments on this account.
Product: Money transfer, virtual currency, or money service

I ordered via email a kitten plus shipping charges via the website XXXX on XX/XX/2020. I emailed to inquire a kitten to the email address provided and they responded with detailed information about the certain kitten. a few emails were exchanged and they even asked a multiple questions to learn how good we can take care of a pet so I really thought that they were pet loving people, not just doing this for money. It convinced me to adopt a kitten from them and when I told them, they asked to pay via XXXX money transfer. The name and the email was different than the website stated but I didn't question much because it's usually not their primary job. I sent the total of {$1400.00} via XXXX to the XXXX XXXX ( email : XXXX ) .The day that the kitten was supposed to come ( XX/XX/2020 ) from XXXX , Oklahoma XXXX LAX where I am, I was given with the tracking number and delivery website. XXXX : XXXX ( tracking number : XXXX ) However, I got a call and email at XXXX PST from the " delivery company '' that the kitten is on hold in Arizona due to needing anti-pressure vaccine, new crate and new insurance and asking {$1600.00} but it would be all refundable once the kitten is delivered. At this point, I got to question and contacted the seller via email and the I copied and pasted what they sent me and he said I should pay because they said it will be refunded.. I called the delivery company where it stated on the website and the email they sent me. The guy had an XXXX accent and sounded like who I was already and asked to pay. I told him I wouldn't be feeling comfortable paying {$1600.00} especially it has to be via XXXX  or XXXX. There was no credit card option. He became rude and hostile. He later declined my request for a refund, and even tried to scam me a further {$500.00}. I have also called my bank and they can not reverse the charge. A quick XXXX search found that this person has been pulling this identical scam under various aliases. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had be file with the FTC and a police report. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. XXXX County Police Report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Was investigated and went in my favor Mr Cooper updated credit report temporarily and later updated it as late again each time i dispute its not updated properly they fail to look at notes and mark it as late. Please assist with MR Cooper making this update to all 3 credit agencies as a permanent update as not late per their confirmation later attached in above case number that was closed last year after1st dispute were i involved consumer financial
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, US BKPT CT GA XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see.
Product: Payday loan, title loan, or personal loan

I have sent 3 separate emails to the company requesting payment deferment & relief from late payment charges and negative reporting, due to my decreased income during this pandemic on XX/XX/20 at XXXX XXXX, the same day at XXXX XXXX, and another on XX/XX/20 at XXXX XXXX. Neither have I received a single confirmation that my emails are being received, nor an emailed response from the company. 

But I continue to receive texts that my payment is late, the most recent was 'your payment is now 25 days late. ' Concerned that I will be negatively reported and frustrated by not knowing where my request stands, I called them today, XX/XX/20. I was told that my request was forwarded to their support employee named XXXX but the representative I was speaking with was not sure if XXXX tried to call me or send me an email. 

I told her that I definitely have not received any emails to my external email address ( I even checked in the spam folder ) or to my message box on lendingpoint.com. I further informed her that because I receive numerous spam and fishing calls, I do not answer unknown calls, which is why I initiated my communication to them through my lendingpoint.com message box. In the middle of our conversation, the representative 's line went silent, then completely dropped. I waited for a return call, but no effort was made to reach out. 

I have also tried in vain today to verify my pay-off amount and access my loan terms and documents but nowhere in my online account on their site did I see a link to the loan documents and the pay-off amount.
Product: Money transfer, virtual currency, or money service

On XX/XX//2019 there was a concert that i wanted to attend so i went on XXXX to try and look for some tickets, some last minute deals, so i found this one that seemed alright. I contacted the seller through text and we started to just talk about the tickets, like what section, and stuff like that. I was ready to buy but before i sent any money i had him/her send me proof of their purchase or a order conformation number, which they did and they were bought through XXXX. i called XXXX   to make sure that conformation number was real and he said that those were indeed theirs, so i felt alright. The seller then wanted me to send money through XXXX  which my bank uses so i felt even better because i thought if anything goes wrong i can just get my money back. I sent them the money for the tickets, exactly {$120.00} for 2 Tickets, he/her was taking a little long to reply to my texts so i got worried. eventually he texted back and sent he sent the tickets to check my email, so i checked and the tickets were there and i felt relieved, i thanked them so much for it, they probably just laughed off how they just tricked me, anyways i get to the venue and i go to open my email for my tickets and i have an email from XXXX saying that the tickets that were transferred to me were not valid that the buyer bought them fraudulently and that the original order was cancelled, honestly i was mad and felt XXXX plus i invited my friend as a surprise and that was embarrassing. i tried calling and texting the buyer but i guess they blocked my number. i called my bank ( fifth third ) and they said they couldnt do nothing about it because its a 3rd party transfer, but yet they still use them and XXXX cant do nothing about it either because they dont offer fraud protection which i didnt know until now. so now i dont know what to do, in my situation that XXXX  hurts i sacrificed it to be able to go to this concert but yeah its not cool.
Product: Checking or savings account

XXXX XXXX  XXXX. for breach of warranty under the Uniform Commercial Code.

Final measure in a long term probate case which involved a check written to the estate that was mishandled ; received and deposited into a personal checking bank account instead of an estate bank account. 

Check written XX/XX/2017 to the Estate of XXXX XXXX XXXX deceased in the amount of {$15000.00}. It was received by XXXX XXXX XX/XX/2017 and deposited into a personal checking account.
Product: Debt collection

Dear Aldous Associates, I am writing to formally request validation of the debt you claim I owe, as permitted under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have received several correspondences from your office regarding this matter, but I believe there may be an error, and I do not acknowledge this debt. 

To ensure accuracy and compliance, please provide me with the following : A copy of the original assignment contract or agreement that verifies your right to collect on this debt. 
A detailed statement of the amount owed, including any fees or interest. 
Evidence that this debt is within the statute of limitations. 
Until this information is provided, I request that you cease all collection activities regarding this debt. Please be aware that continued attempts to collect on this debt without proper validation may constitute a violation of the FDCPA. 

I appreciate your prompt attention to this matter and expect a response within 30 days as mandated by the FDCPA. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have used this app multiple times before to send money to my mother! On the XXXX of XX/XX/2024 I sent {$250.00} to my mother and On the XXXX I found on the app that the transaction had been canceled and the money refund because I violated there community rules and standards! I reached out to them and they couldn't tell me exactly what I violated! I tried to explain this was my mom! Our last names are on our accounts so I don't understand why there would be a problem! They said they would send a appeal.
Product: Mortgage

In the month of XX/XX/XXXX, I applied for a loan modification with Bank of America.

I was denied a loan modification on XX/XX/XXXX. The reason given by Bank of America were the following : 1. Unable to verify Income.

2. Unable to verify Ownership or Occupancy of property. 

The above reasons to deny me a loan modification are erroneous and false. 
I occupy my home and it is my primary personal residence. Further, I have a business and file taxes each year to demonstrate I have a source of income. 

The denial of my loan modification is an attempt by Bank of America to wrongly deny me a loan modification to save my home from foreclosure. 

Bank of America is intentionally misleading me in approving me a loan modification to deliberately Foreclose on my property and strip me of my equity.
Product: Debt collection

I HAVE SENT XXXX DIFFERENT LETTERS MONTHS APART ASKING THIS COMPANY TO STOP HARASSING ME ABOUT SOME ACCOUNT THAT IS NOT MINE. THEY HAVE CONTINUED TO DO SO.
Product: Vehicle loan or lease

I purchase a XXXX XXXX XXXX from XXXX XXXX XXXX located in XXXX XXXX XXXX back in XXXX of XXXX upon having the vehicle is started to give major issues a/c went out it needed a tune up the biggest issue was the fuel pump went bad the car stalled on me XXXX XXXX had the vehicle towed from the broke down location back to my house and called the dealer and told them what happen the vehicle now is not drivable at all the dealership has sent a ridiculous amount claiming i owe them to collections and i do not i have the letter here from the first federal credit control threating for me to make a payment or the vehicle will be seized i do not owe this amount they are claiming i owe i have receipt proof of last payment and last contact person i would like my money back for the lemon they sold me and to be taken of the XXXX loan