23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Gregory Funding bought my loan from XXXX XXXX on XX/XX/2021. Since this time they have refused to a knowledge my XXXX payment and repeatedly said that I was 30 days behind. I even emailed them my bank statement showing my payment was taken out by XXXX on XX/XX/2021. I ave also given them.an email from my loan officer at XXXX which states that they were wired the money from this payment and it was to be credited to my account. This payment was also acknowledged by an officer at Gregory Funding. I also have shown them my statement my XXXX as of XXXX showing that there are no past due statements. It is not my responsibility to do this but I have documented this for them anyway to expedite the progress to no avail
Product: Debt collection

I noticed a debt listed on my credit report. It shows {$300.00}. I disputed this once but was never given any info as to what it is for or any type of validation. Because I was not properly notified of this debt and given the 30 days allowed by law to dispute the debt or any potion thereof ... I am requesting this be deleted due to failure to provide me with notification and validation of what this is.
Product: Student loan

I am writing to formally complain about Ed Financial Services for not accurately updating my in-school deferment status for my student loan account. This oversight on their part has caused undue stress and has wrongfully displayed my account as delinquent. 

On two separate occasions, specifically on XX/XX/23 and XX/XX/23, I contacted the customer service department to verify and confirm the status of my in-school deferment. During both of these calls, I was informed that due to the overwhelming response of the XXXX XXXX XXXX, my account would have to undergo a manual update to reflect the correct status. I was under the impression that these manual adjustments would be made promptly. 

However, I was dismayed to find out that as of today, XX/XX/23, my account still displays as past due for a payment scheduled initially on XX/XX/23. This error impacts my financial record and subjects me to undue stress and the potential for further financial penalties.
Product: Credit card

On XXXX XXXX, 2024, I tried to use my AAA Visa Signature card only to find out that it had been cancelled with no notification again by Commenity Capital Bank of XXXX OH. Each month they have been cutting off my card without notice for what I term frivolous reasons such as I bought slacks and a top online. They then require you to call them at which time they ask you 20 questions supposedly to verify your identity but really are credit reporting questions. If you object to giving your S/S Number, they threaten not to reactivate your card even though you did nothing wrong. A check dated you did XXXX XXXX was not processed until XXXX XXXX at which time someone decided to file it electronically instead of against my bank. They entered the wrong check number, which resulted in telling them the check was stopped. This was their error, but they refused to rectify the error and make good on the valid check. When I called them, they shouted at me to make a payment, which includes the interest they have been charging for the so-called stop payment check that was perfectly valid. I asked them where the check was, and they stated they mailed it back to me. To date I have not received it. I feel their tactics of not communicating with you when there is a problem and just cutting the card off without notice are dangerous, and that they are trying to extort money me for a mistake that they made. I have talked to others about this problem, and they state that they just pay the erroneous fee even though it was done in error, so the problem is widespread. I also feel that their methods are not exactly businesslike or honest. Shouting to make a payment instead of examining the problem did not solve the problem. It just extorted money from me for their mistake.
Product: Credit reporting or other personal consumer reports

These reported addresses do not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This reported name doesnt belong to me : XXXXXXXX XXXX XXXX
Product: Bank account or service

I called Capital One to make a balance transfer from another bank XXXX XXXX Bank XXXX for a lower interest rate. I called within XXXX minutes of the first phone call to cancel the transaction. I spoke with a supervisor and was told that the payment did not go through and he would put a stop payment through and I may have to pay a XXXX dollar fee for the stop payment, which I agreed to do. He said there would be no problem as it was only XXXX minutes since I made the request. I was told that the transaction could take XXXX business days so I did n't think there would be a problem. This was on XXXX XXXX. Then I got an email saying that the transaction went through. I think this was on XXXX XXXX. I called Capital One again and spoke to a supervisor. I was told they saw the stop payment and it went through but it takes sometime to show up on the account. A day or so later I looked at the bank that I was having the transfer made from XXXX XXXX Bank XXXX, and it did go through. I called Capital One again and spoke to a supervisor. I was told to call XXXX bank to ask for a refund. I did this but XXXX bank said they could n't do that. 

I called Capital One again and I was told again that the stop payment was denied! Basically, because it was an electronic transaction it was instantaneous and there was no way to reverse the transaction. I told them that a supervisor had assured me that they could stop the transaction when I called immediately after the request. I said I was lied to and/ or they made a mistake and/ or the people working for them had no idea how to handle this situation. I did n't want to pay the fee of {$87.00} because I was told the stop payment was possible and due to the basically instant request on my part to cancel the transaction and was told the stop payment was made. The supervisor refused to help me in any way. He said I could n't talk to anyone who could help me and he did n't have the authority to credit the fee. I pointed out to him that legally a person has the right to cancel a financial deal within a certain amount of time, in this case it was only XXXX minutes when the request was made. He told me that was not true. I asked to speak to the legal department and he said they did n't take calls. Basically, he said there was nothing I could do. 

I do not want to pay this fee as I was given false information and asked for a cancelation in a timely fashion. I was lied to on many different levels. I was told that the transaction would take XXXX business days. I was told the stop payment was made.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my home. The lender pulled my credit report and advised that I had six Affirm Inc accounts that were not paid, then paid, and closed. I have never opened these accounts nor received any services from this company ever in my life. It is messing up my credit score, and I need it to be removed because I have never opened these accounts.
Product: Checking or savings account

I'm in escrow this week and need to deposit XXXX into my escrow account. I deposited a check for {$4600.00} with Wells Fargo and I was told the money would be there today XX/XX/24 however when I logged on to look the money is nowhere to be found. There is no pending deposit or a record of the deposit. I called Wells Fargo and showed them my emailed receipt and they said it would take 10 days to resolve. Meanwhile I need to move forward with my escrow. This is unacceptable and I want someone to answer me as to what went wrong and more importantly I need a speedy resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my amazement, saw that you recently have decided to report me 30 days late on my XXXX account in XX/XX/2018. I have previous credit reports from both agencies pulled in XX/XX/2018, and neither one of these reports show me late in XX/XX/2018. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my Experian dispute and my XXXX   dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Debt collection

Credit Collection Services sent a {$260.00} to the credit bureau on XXXX XXXX XXXX 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefor needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract with the credit collection or other instrument bearing my signature. 

Failing that, the item must be deleted from he report as soon as possible as I am liable for the debt with XXXX XXXX XXXX I do not have a contract with credit collection services inc.
Product: Money transfer, virtual currency, or money service

Dear sir/lady : I invested some money in Coinbase.com to operate with cryptocoins. 

Coinbase did lock my account during about 5 months ( from XX/XX/XXXX thru XX/XX/XXXX ). That is, they DID not let me recover my money during 5 months. 

My account was locked for no reason whatsoever. The did not send me any explanation nor attended my complains ( I opened 5 tickets ). 

The time when my account was locked was a period of high increase in cryptocoin value. Many other clients were blocked at the same time. I have a strong suspicion Coinbase simply operate clients money as they like, blocking your account when it holds a high value and releasing your account when market is down. 

There are many cases reported in forums : https : XXXX https : XXXX My account was released in XXXX. I got my money ( what was left ) out right away. 

Please take a look, I think this is just a fraud. 

Best regards and thanks
Product: Credit reporting or other personal consumer reports

This is my 9TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Inquired on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

28 years ago in 2005, my foster son broke into my bank accounts and credit cards and took out numerous payday loans in my name. He was arrested, charges were plea bargained down to one lump charge and he did his time. For one of the payday loans refused the courts settlement and these credit collections companys buy it every years. Portfolio collections has bought it and have been burning up my phone, leaving threading messages. When you call back all you get is a recording no live person. Im tired of being harassed and having to fight to keep getting this removed from my credit report. Its been 28 years. 
There have been other complaints you helped remove this same issue and have copies of the court documents.
Product: Debt collection

A person from WD Global group, name XXXX XXXX called from a XXXX me saying that they are going to present charges with the state attorney on that very same moment if I didn't pay them the amount they were requesting from an outstanding deb from XX/XX/XXXX, The guy was so aggressive and sounded so serious and professional that I give him my bank account information. Next thing I know the bank calls me saying that someone initiated several wire transfers from my account and it looked like it was fraudulent activity.. 
I refused to give him more information and contacted a lawyer, the lawyer advised XXXX XXXX to do not contact me again and to send all information regarding the deb to his office but they refused to do so. 
Then XXXX XXXX contacted my son who is an XXXX Military saying that he will be contacting his commander in chief if we didn't pay {$2500.00} that same day. We contacted the lawyer again and XXXX XXXX was advised again to address the situation formally through the lawyer but instead they started calling me using the state attorney '' s telephone number. They even left a voice message pretending to be from XXXX XXXX XXXX, State Attorney 's office saying that I needed to pay {$6000.00} dollars that same day or I was going to be arrested. 
Today, XX/XX/XXXX. They Called my son again saying that there is a arrest warrant against and they will take it of if we pay the money. 

They keep calling and being very aggressive, I landed in the ER a few days ago after a discussion with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

GOOD EVENING ; SEE ATTACHMENT! - I'M NOT SURE WHERE THE DELAY IS BECAUSE I'VE TRIED FOR MANY MONTHS - EVEN AFTER I PAID OFF THE ACCOUNTS AS AGREED UPON AND IT CONTINUES TO REPORT INACCURATE INFORMATION. I PAID {$3300.00} AS AGREED AND IT WAS TOLD THAT IT WOULD BE DELETED FROM MY CREDIT REPORT. I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a report I have several inquires that were never initiated for business I do not have accounts with any of these companies please delete them and the XXXX XXXX # XXXX0****, XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple disputes to the credit bureau of incorrect spelling of my name to be removed from my credit report. They continually send stall letters. 

I have also sent multiple disputes asking them to remove an address from my credit report that I have NEVER lived at. Again, they either ignore it or send a stall letter. 

I've contacted XXXX, XXXX, and Transunion. They are the ones ignoring my disputes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6400.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$6500.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX FIN # XXXX XX/XX/XXXX - Balance : {$14000.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} Account Name : XXXX XXXX XXXX XXXXXX/XX/XXXX - Balance : {$470.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} Account Name : XXXX XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I used points from Chase Sapphire Preferred card to book a rental car for my trip to XXXX from XXXX. The booking was done through Chase Booking Team. When the booking was almost complete, I was very specific about the type of car ( SUV ) and that I wanted to use my points to fully pay for the car so that I will not have to face any additional charges when picking up the car at the destination and was told during the booking that all is set and I still had almost XXXX points left. 
It turned out that the car I booked was different than the car I was promised, in addition, accessories like child seats were not installed as promised and in addition, I was charged daily insurance rate for the car in the amount of around XXXX Euros ( {$730.00} ) even though insurance was included, however, rental car representative stated that if I do not purchase insurance policy with them, I will be responsible for any damages to the car. 
The car that I picked up could not fit all luggage and I had to use second car in order to accommodate the inconvenience caused ( bring 2 other luggage which did not fit into the rental car ). The rental car took place from XX/XX/XXXX to XX/XX/2023. After several months of back and forth with Chase Booking Team, and only thank to the XXXX complaint, I finally heard back from Chase and was informed that Chase will not address the charge for the insurance as that was supplement insurance even though thats not what I was told by the representative from the rental company XXXX. Further, chase offered XXXX points to accommodate for different car being offered and customer service issue with the child seats not being installed which I believe is not sufficient.
Product: Consumer Loan

A claim was submitted sometime ago and was recently completed. unfortunately the financial institute did not pay the total disputed amount. The disputed amount was for {$1900.00} and the financial institution only payed out {$1300.00}. The remaining dispute is XXXX. 

I do have a hard copy of a bank statement that states the disputed amount but i do not have an electronic copy.
Product: Checking or savings account

XX/XX/XXXX - I filed a complaint with Fulton Bank ( the XXXX, PA branch ) because I was suspicious that XXXX XXXX  ( my ex-wife and commercial lender for Fulton Bank ) had been viewing my banking accounts illegally. 

XX/XX/XXXX - Fulton employee ( XXXX XXXX, NMLS # XXXX ) at Fulton Bank ( XXXX, PA ) contacted me and stated that an official complaint was filed through his manager XXXX XXXX ( NMLS # XXXX ), to various Fulton Bank executives and Human Resources complaint department. 

XX/XX/XXXX - Fulton employee ( XXXX ) at Fulton Bank ( XXXX, PA ) informs me that corporate Fulton wanted more answers, and he identified that XXXX ( ex-wife ) had indeed viewed my personal banking accounts on at least one occasion, marking XX/XX/XXXX as the first time-stamped incident ( we had been divorced since XX/XX/XXXX, with separated bank accounts as well ). XXXX informed me that he was going to research further back to identify more time-stamped views by XXXX on my accounts. 

XX/XX/XXXX - I spoke with both the Customer Specialist ( XXXX  ) and Manager ( XXXX XXXX at the XXXX, PA Fulton Bank about progress on the complaint case, and XXXX asked further questions for their HR/Complaint personnel. 


XX/XX/XXXX - XXXX XXXX from Fulton Bank contacted me regarding my complaint, explaining to me that XXXX looking at my account was a Human Resources matter that is being looked at by HR and executives at Fulton Bank. He also explained that he would not be able to share any information with me regarding actions taken, but assured me that this will be taken seriously. He offered no resolution for their employee/my ex-wife for looking at my accounts illegally, and thanked me for my loyalty to Fulton Bank XXXX XXXX Fulton Bank phone number is XXXX. 


I do not feel that Fulton Bank is providing any answers or any resolution for me in regards to their employees invasion of privacy into my personal banking accounts. They will not provide me with any printed information about who has viewed my accounts when I ask. At best they are brushing this under the carpet with hopes it just goes away. This is bad business, and they are still employing this employee ( my ex-wife ). Nothing has been resolved.
Product: Checking or savings account

Hi I had a mutliple ammount of unathorized transactions on my chime debit card. I contacted chime about this transactions and I open cases for them, my claim was denied by them almost right away without them really looking into it. I was told to contact the merchant. the issues consisted of one merchant twitch. there were 2 different type of transactions related to twitch. one of them were transactions saying sub service at the end while the other transactions mention xsolla bits as the other description. I contacted twitch directly about this issues and they were of no help. I got the emails back from them they say they are unable to find my information and to just solve it with my bank, meanwhile when I contacted xsolla for the other transactions they were able to find me and refunded me the charges as they were fraudalent. This took care of half of the problem as the other half of the transactions were still not refunded. so now im out almost XXXX XXXX this are the following transactions and ammounts and dates that were not refunded by twitch. This are fraudalent transactions that I never authorized. I been going back and forth between my bank chime and twitch for a solution but nothing has happen I ask that you help me as chime should refund me for this transactions as I never authorized them. by the way the claim number that had all this transactions on chime is All of this transactions say XXXX twitch sub srvc on my card statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX