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

I have had issues with this new bank from the start. It is supposed to be a US based business checking account called Revolut, which is under XXXX XXXX XXXX, out of New York. 
Every transfer that i sent out of this account they had sent as an international wire transfer to the receiving bank and it caused many problems with the other banks that recieved the money because banks tend to look at international wire transfers a little more than domestic transactions. I am a US citizen living in the US and my business is based in the US and any money i sent was not international. They tagged me with hefty fees because so many of my transfers were rejected and a XXXX dollar fee taken out. in the 3 months i have had this account ive paid over 1,000 in fees to them. ridiculous. that isnt even the reason for this complaint. 
I transferred money to two colleauges and it ended up getting their accounts closed because they suspected fraud due to the international wire transfers being sent for what were in reality supposed to have been domestic ACH transfers. I never got an option when choosing how to send my money they decided this, and it was always a wire in order to charge me a fee. 
So i had to ask them to recall a few transfers that i made as per instructions of the receiving bank. it was 4 transactions for XXXX each. 
When the first transaction was returned to my account they asked for some documents regarding certain transactions in which i provided them in a reasonable amount of time. they told me my account would be disabled if i didnt provide this information by a certain date, but i had sent it to them prompty within the timeframe specified. 
Well my account gets disabled as soon as the first recalled transaction is deposited to my account. I initiated a transfer from an exernal account for all but XXXX dollars of the balance and got confimation emails for direct debit set up sucessful from each bank. then they reversed the transfer and told my bank that requested the XXXX that it was unauthorized. They lied and gave a false reason because i never told them that I did not set up the direct debit. This is the third time this has Happend in which they reverse any transaction that i initiate from an external account to be debited from my revolut account because if i do it this way they cant collect a hefty fee from me. Its unethical and distatsteful, on top of not allowing me access to my funds or any time frame whatsoever in which i can have access to them? i never did anything to warrant this type of treatment. this is my money. how can they just not allow me access to it with no time frame given of when i can access it. and who are they to tell me when i can have my money and when i cant. and who are they to lie to my other banks and tell them fraudulently that i said it was unauthorized transfer. its really sickening that companies like this are allowed to take peoples money and trust and try to steal from them. please help me anyway you can. thank you.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account " XXXX XXXX XXXX '' Account # : XXXX Routing # : XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 


15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I personlly feel under privacy fact act my medical bill shouldn't be closure to public and any medical should be removed off my credit report immediately.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

On Saturday, XX/XX/2016, my son deposited a cashiers check for {$2400.00} into his Chase checking account. On Monday, XX/XX/XXXX the funds showed up in his account as available for his use. On Tuesday, XX/XX/XXXX he transferred {$1600.00} into my Chase checking account. On Wednesday XX/XX/XXXX I was notified by Chase that the funds were in my available balance, and I removed those funds in order to pay for something. Later that same day, the Chase Bank notified my son that the check had actually bounced, and so they deducted the amount of {$1600.00} from my account and his account. The issue is that the bank had a cashiers check for 4 days, had 4 days to check the validity of the check, made the funds available to each us, which in our minds meant that the bank had thoroughly checked it through, and then after all of that did not take accountability when they discovered that the check was not valid. Our issue is that we did not ask them to loan us money based on that check, we trusted them to be able to tell us if the check was good or not. This is really what we pay them for, and they should be accountable and liable for giving us money when they told us the check was valid.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel pissed since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted a dispute describing multiply violation on credit report but yet still Experian claim to certify that the account is reporting accurate. How can a report be accurate when on a chargeoff account its still reporting late payments months after the account as been closed, also showing a past due amount and a usage amount, these are major violations, a charge off is a closed account and should not be reporting a past due and monthly late payments.
Product: Payday loan, title loan, or personal loan

I applied for a loan for XXXX Dollars on XX/XX/XXXX. I have faithfully paid off the XXXX dollars and then realized I am still paying them. I look at my account and now I owe them a total of XXXX dollars and wont pay them off till XX/XX/XXXX. This is information that was vague when I applied to the loan and now I am overpaying on a loan I should have paid off
Product: Consumer Loan

Hello. I have couple loans that it is hard to pay right now. I have financial difficulty and I am having trouble paying other my bills too. I just need some solutions, please. I am really looking forward to hearing from you soon. Thank you.
Product: Mortgage

Shellpoint has grossly mishandled my money. My mortgage transferred to them beginning XX/XX/23 and even though the welcome letter told me the auto-draft would remain in effect, when the payment due date passed by without a auto payment made I contacted them and the rep told me the auto-pay function didn't work during the transfer. She said I would need to pay a manual payment and set up the auto-payment again. I did so on XX/XX/23. The following day, Shellpoint still drafted the using the auto pay for the 2nd time. So now they drafted it twice. The amount they now held of mine was over {$6100.00}. I requested an immediate reversal and they said they can't reverse and would send a payment via ach right away and i would receive in 3-5 days. After 5 days I called and they said no, they actually sent a check and it would be there in 10-14 days. I said no, i needed it right away. They cancelled the check and resubmitted an ach. They assured me it was all set. After 5 days I called and the lady said it would be in my account by the following day. 2 days later and I still didn't get it. I called again and the rep said the ach was submitted in error and they needed to do it again. By now XX/XX/23, they've held my {$6100.00} for over 16 days. I finally got more testy and demanded an immediate resolution, i suggested i needed to speak with someone who could approve a same day wire as this whole process was unacceptable. Instead of being helpful, the person on the line set up the virtual wall that I can't go any further, that I can't get an immediate response, and that I'll have to continue to wait. If i could simply take my business elsewhere I would, but since I have no choice in who services my mortgage, the least I can do is write a poor review. Horrible company.
Product: Debt collection

Upon checking my XXXX XXXX monitoring service I noticed a loan from Spotloan that was received in XX/XX/XXXX. I have not applied for any loans in XXXX, XXXX XXXXWhen I disputed it, whatever type of investigation they do, XXXX is leaving it on my credit report. I DID NOT APPLY FOR THIS LOAN!!!!!!!!
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

My nightmare began XXXX XXXX when Ditech sent me a letter indicating that my property taxes were no longer going to be escrowed and I was going to be responsible for paying my own taxes. Along with the letter was a refund check for {$1900.00} for escrow overages. I called Ditech to inquire about it and they stated yes they removed my taxes from my escrow account and the check that was sent is to cover my XXXX taxes. I cashed the checked and the following month I paid my property taxes. I was excited of the new changes because it meant my mortgage payments were going to be lowered. Little did I know, I was being set up for failure. I find out later that Ditech made an attempt to still pay for my XXXX property taxes which my county did not accept their funds and sent Ditech a refund check XXXX XXXX. Ditech received the refund check cashed it from my county however they never applied the funds to my account. I have been fighting with them to apply the funds to my escrow account and provided numerous proof that I paid my own taxes but Ditech is firm and saying that I still owe them. 

Everything seemed fine and I was preparing to pay for my XXXX taxes this year when Ditech sends me another letter XXXX XXXX indicating that my escrows were short and my property taxes were not paid and they 've paid my taxes for me and I owed Ditech {$2800.00}. I called to inquire again about this matter and they stated to me that it was an error last year that my property taxes were removed from escrow and that it should n't of happened and to send it proof that I myself paid my own taxes and they would resolve the issue. It has been months and nothing has happened with Ditech and now my mortgage payments will drastically increase XXXX XXXX which will put me in a hardship and they claim that I owe them which I do not. Please help, I do not want want to lose my help as I have made my payments every month on time and paid both XXXX & XXXX property taxes out of my own pocket.
Product: Money transfer, virtual currency, or money service

I have an account with PayPal and I noticed that few transfers transactions from other country XXXX that I do not know anyone, were withdrew from my bank account, I tried to dispute these transfers transactions but I was only able to disputed 3 transactions. I did not authorized money transfers to this person, I do not know if this person logged in into my PayPal account and made those transfers, I do not know this person from overseas, I will attach the list of numerous of transfers donned by fraud. PayPal refused to help me and correct this matter, I was a victim of a scammed
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the numerous attempts I have made to remove fraudulent items from my credit report through Credit Bureaus. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and adversely impacting my financial standing. 

The continued presence of fraudulent items on my credit report is not only inaccurate but also poses a severe threat to my financial well-being. I have attached supporting documentation for each attempt made to rectify this situation, emphasizing the urgency and gravity of the matter. 

I request your immediate attention to the following actions : Conduct a thorough and expedited review of my credit report to identify and remove all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I understand the importance of maintaining accurate credit information, and these inaccuracies are adversely affecting my ability to access financial services and secure favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter. 

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : Equifax : XXXX XXXX XXXX  / XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX XXXX Opened XXXX. XXXX, XXXX XXXX {$740.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE HOME DEPOT CLAIMS THAT I APPLIED FOR CREDIT FROM THEM ONLINE. I HAVE NEVER APPLIED FOR ANY CREDIT FROM THEM AT ANY GIVEN TIME. MY REPORTS HAVE A BLOCK/FREEZE ON ALL OF THEM AND I DID NOT GIVE THEM MY PERMISSION TO CHECK MY CREDIT. THE FREEZE/BLOCK HAS BEEN ON MY REPORTS FOR ABOUT 8 YEARS. I AM A VICTIM OF IDENTITY THEFT. IT STATES THAT ON MY CREDIT REPORT. IN ORDER TO CHECK MY CREDIT YOU WOULD HAVE HAD TO CALL ME FIRST. THERE IS A STATEMENT ON MY CREDIT FILE YOU MUST CALL ME BEFORE YOU CHECK MY CREDIT. I DID NOT APPLY FOR ANY CREDIT FROM YOU AT ANY GIVEN TIME. IF YOU HAD READ MY REPORTS IT STATES THAT YOU ARE TO CALL ME BEFORE YOU CHECK MY CREDIT BUT THE COMPANY DID NOT DO THIS. I NEVER RECEIVED ANY PHONE CALLS OR E-MAILS OR MAIL. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION IS ALL OVER THE DARK WEB SO SAYS XXXX AND XXXX, THEY WERE THE ONES WHO NOTIFIED ME OF THIS FRAUD. I DID NOT APPLY FOR ANY CREDIT FROM YOU.
Product: Debt collection

Hi, My name is XXXX XXXX and I would like to file a complaint about a loan that was made through Klarna. Since, I was taking very long to pay off the debt it caused Klarna to send the debt over to the debt collection agency. But, I paid off the debt on XX/XX/XXXX on Klarna with a total of XXXX. Then I tried contacting Klarna but they said to contact the debt collection agency so here I am.
Product: Credit reporting or other personal consumer reports

I have received several credit inquiries over the past ( 2 ) two years some of which where not permitted or by my request. inquiries. That under no circumstances did I permit anyone to run hard credit searches on my credit to obtain anything I have received. I would only allow that type of search for a mortgage loan from my bank. Therefore, if any contract does exist between the venders and myself it was unconscionable. I believe this my very well be a result of one of the past data breeches. This problem has been ongoing and I am attempting to freeze my report. Please investigate my concerns and inform me as to how I should proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX
Product: Debt collection

Midland Credit Management, is reporting a debt that has not been validated and has failed to send me the requested purchase agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

I'd like to file a formal complaint against Equifax for failing to unfreeze my credit after multiple attempts at having them do so. 

I have been the victim of severe identity theft and therefore have to freeze my credit, however, I have opened a new company, and need to have access to my reports as I take out loans as needed. It has been excruciating to deal with all three credit bureaus, Equifax remains unable to unfreeze my credit, despite sending us XXXX  different notices that they have unfrozen my reports. 

I have sent in XXXX, once by XXXX  XXXX and the other by Fax copies of my driver 's license, social security card, mortgage statements and electricity bills to prove proof of residence. I spent XXXX hours on the phone with the highest level of management at Equifax, to no avail. Still today, I am unable to have my bank access my reports, and I am now losing crucial money and time. PLEASE investigate this company, as they are doing a great deal of harm, not only to me and my family, but to others who are repeatedly trying to contact Equifax and the bureaus and hitting a brick wall. If I can't obtain this loan I am at risk of losing my house, and the credit bureaus do not care.
Product: Credit reporting

Early Warning Service has refused to send me the report that they have on me. On XXXX XX/XX/XXXX I called and requested a consumer Report and the representative on the phone stated that I had to fill out another form and send back. Which I have and I have yet to receive my consumer report as stated. The representative told me that I am reported to them by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Bank. I stated that I wanted to dispute those because two were open using my identifiers without my consent. ID Fraud and I had previously back in XX/XX/XXXX talked to XXXX XXXX XXXX and XXXX about this and told them to close the accounts because I did n't open them. So these reportings are wrong and they should n't be reported.
Product: Checking or savings account

I contacted First Bank XXXX XXXX  ) on XX/XX/XXXX  about multiple unauthorized charges on my account. The amounts totaled XXXX and were charged to my debit card. 

These amounts were disputed and I received a new debit card in the mail. However on XXXX I logged into my First Bank account and noticed that the account was closed. 

I received a phone call from my local branch indicating they refused to dispute the fraudulent transactions and that they were closing my account. 

There was no other communication in writing indicating the reason nor any supporting documentation. First Bank refusing to resolve these unauthorized charges are a violation of the agreement between the card issuer ( VISA ) and the backing bank. 

Additionally per the First Bank user agreement account holders are not responsible for transactions that are not authorized and/or fraudulent.
Product: Credit card

On XX/XX/XXXX I logged onto online banking, and it was then that I found out that all my credit cards were closed. I called the bank the same day, and their representatives told me the bank would only communicate with me only if I were to send a letter to a XXXX XXXX in XXXX XXXX South Dakota. Other than that, no representatives nor supervisors would speak with me regarding my now closed accounts over the phone. This is quite unacceptable as I was current in all my accounts and had no issues prior to this, nor was I told in any way that my accounts would be closed. Citigroup has infringed upon my rights under Truth in Lending Act ( TILA ), the Fair Credit Reporting Act ( FCRA ), the Credit CARD Act of 2009, and state laws. The behavior XXXX has exhibited here represents the most unprofessional and ethically questionable conduct one could demonstrate. It undermines trust, and reflects a complete disregard for the standards of integrity and respect that are fundamental to the banking system.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I still dispute this public record. After not receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine. 

In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. 

Because I still consider this public record as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this problem. 

I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.