23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX was employed by Castle Payday to collect a payday loan debt from me. As an aside, this loan was taken out by an identity thief. XXXX XXXX contacted me using automated voice messages for several months. They called as many as XXXX times in XXXX day. They called from numerous different phone numbers in different area codes. They also contacted my family members. Occasionally a live person contacted me, but the conversation ended when it started as they asked me to verify information about my identity.
Product: Checking or savings account

On XX/XX/XXXX, my daughter ( she has a teenage banking account ) was trying to buy a concert ticket for {$30.00} from another student. She paid her on XXXX {$30.00} and then another {$120.00} was someone also charged and taken from her XXXX account. We tried to dispute the {$120.00} since that was fraudulent but XXXX would not take our complaint. She also reached out to the other student who has completely ignored her and not given the money back. The student is clearly stealing money by pretending to sell concert tickets. We then tried to dispute the full {$150.00} - both charges - since no tickets were received. I do want to reiterate that the {$30.00} was actually sent but the {$120.00} was fraudulent and unauthorized and we believe the XXXX account was hacked. We also disputed the charges through WellsFargo and they gave a provisional {$150.00} back but we just received a letter saying they have found that a processing error did not occur and they are deducting the {$150.00} from the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a Bankruptcy with all of unverified data with providing a fraudulent method of verification. I requested how they verified it 7 months ago. They claimed to have reached out to a depository that I've opted out of by law. They have lied several times and misreported unsubstantiated data.
Product: Checking or savings account

Subject : Formal Complaint Against XXXX XXXX XXXX XXXX and Juno for Unresolved Funds To the Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against XXXX XXXX XXXX XXXX ( FDIC # XXXX ) and Juno ( XXXX partner ) for failing to return {$6700.00} in funds held in my account. 

Background : I held funds in a Juno account, which partnered with XXXX XXXX and XXXX XXXX. 
During a transition in XX/XX/XXXX, Juno moved funds to XXXX XXXX, which distributed them to unknown banks. 
XXXX confirmed my total XXXX XXXX Balance isXXXXbutclaimsXXXXbutclaimsXXXX is held at their institution ( see attached denial letter ). 
Neither XXXX nor Juno has provided clarity on which bank holds my funds or how to recover them. 
Violations : Failure to safeguard consumer funds underRegulation E.

Lack of transparency regarding fund location.

Unfair denial of a valid claim.

Requested Resolution : Immediate disclosure of which bank ( s ) hold my {$6700.00}.

Coordination with XXXX  bankruptcy trustee to release funds. 
Penalties for XXXX/Juno if negligence is found. 
Attached : XXXX  denial letter ( XX/XX/XXXX ). 
Transaction history showing {$6700.00} balance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 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 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 XXXX 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 reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was buying a XXXX XXXX on XXXX ( do not recommend using ) and this seller said he would sell me it for XXXX XXXX but I never got it, so he ran off with the money, never responded to my chats on XXXX, and cash app support did absolutely nothing.
Product: Mortgage

Dear Sirs, I wish to report a complaint about a mistake by the Mr. Cooper mortgage company has made on my mortgage. We always pay a normal house payment that includes, principal, interest, taxes, and insurance every month to be applied to the upcoming month... example : we pay for XXXX 's house payment at the end of the preceeding XXXX, XXXX is paid at end of XXXX, XXXX is paid at the end of XXXX, etc. 
On XX/XX/XXXX for this year, we sent our NORMAL, regular house payment for XXXX as is our normal methodology. For an inexplicable and admitted mistake, Mr. Cooper took our full XXXX payment and decided, with no direction or input from us, to apply the entire amount to principal ( pay-off ), then later in XXXX sent us a note that we had not paid XXXX and were late and were being charged a late fee. No, we sent XXXX payment as is our normal custom on XX/XX/XXXX, on-time, to be paid for the month of XXXX. Then when we discovered that they said we had not paid for XXXX we called to prove to them that we did pay it. That is when the customer service lady admitted that a mistake was made and it was all applied to principal. I figured they could then remedy this situation. Instead they gave me the sad song there was nothing they could do and I should report the problem to their complaint email of XXXX. 
I did in fact make such a complaint letter and sent it off electronically XX/XX/XXXX. Also earlier that same day of the XXXX we sent in our normal house payment for the month of XXXX on XX/XX/XXXX but they applied that for XXXX, effectively making me now late for XXXX, even though we paid it XX/XX/XXXX. 
I sent them a letter as directed by customer service on XX/XX/XXXX. To date, they have not acknowledged their mistake, taken any action to explain their lack of resolution, they have ignored making response to my letter of complaint. 
Tonight I called them to ask for updates but the line said wait time ( at first ) was over an hour and then later during the hold time it was moved to more than 2 hrs. I waited on the phone until XXXXXXXX XXXX cst at which point the line deliberately disconnected from their end with no announcement and XXXX full minutes before the cut off time of XXXX cst. I immediately called back before XXXX and they reported they were closed. 
Regrettably their actions are a financial hardship and should be easy to remedy but to date I have been ignored. For this reason I am seeking your assistance to lodge a complaint to seek remedy.
Product: Checking or savings account

I was a victim of fraud with a company that had me invest funds into a crypto account. I ended up signing a contract that took some of my personal information along with my credit score. After signing the contract I was told that I needed to send the company XXXX in order to access my funds from the fake crypto account that was made for me. Refusal to send the money, I received treats from the scammers and ended up sending them around {$15000.00}. After fully finding out the company was a scam after they froze my assets and closed off all communication with me. I filed a claim with chase bank to get my money back. I filed multiple claims ranging from different amounts of money I was sending throughout the scam process. One for {$1000.00}, another claim for {$1800.00} and another debit card claim for {$2100.00}. They completed the initial claim for {$1000.00} and refunded my money back but they denied my claims for the {$1800.00} and {$2100.00}. Doesn't make sense how all claims were for the same reason but the higher amount were denied. They provided temporary credit to my account for all those amounts but now are removed the {$3100.00} from my account after a month of processing my claim. I also filed for 2 claims for wire transactions totaling {$6200.00} that they also denied because the 3rd party company that received the wire transfers denied the return of assets. Which is also the same company I sent my debit card transactions to where I filed the other claims.
Product: Checking or savings account

On XX/XX/2018, my employer sent a direct deposit of XXXX to my PayPal account for deposit on XX/XX/2018, and it has been held by PayPal since. Every time I speak to them on the phone, I am told that it will deposit the next day, however, it doesn't. 

What they have done is illegal and I new my money released immediately.
Product: Debt collection

They are trying to charge me for two months worth of rent on top of tons of excess fees. I have apartment manager at time a 30 day verbal notice of me leaving, and she informed me the apartment was rented the next month. I have also attempted to verify this and they claim it was in lease agreement they can charge 2 months of rent without 30 day notice but have Yet to provide me with a signed lease agreement only a spreadsheet with crossed out numbers.
Product: Debt collection

Collection agency showed up on my credit report for a charge I do not owe. Will need to have removed from all credit bureaus.
Product: Credit card or prepaid card

I was notified by the credit two different credit bureaus that my account had been closed, this was done without any notice or warning. Upon following up with Comenity Bank, I was told my card had not been used in six months and I was sent a letter on XX/XX/2022 that I still have not received .The representative stated the card COULD NOT be reopened. I am beginning to wonder if this is XXXX, I had an account closed by this same bank due to not using it, However, we were and still are in a pandemic. I think it should be fair practice you let the consumer know what's being done 30 days in advance. They don't know my financial situation just because the balance was XXXX
Product: Vehicle loan or lease

We purchased a XXXX XXXX in the summer of XXXX. The car was totaled on XX/XX/XXXX. At that time, we owed {$1500.00} on the car. Our insurance company, XXXX XXXX XXXX, settled our claim for {$12000.00}. We were owed {$11000.00} after the car was paid in full. Our insurance company was going to send Kia just what they were owed and send us the check for the balance.

Unfortunately, Kia wanted XXXX XXXX to handle it differently. I am attaching a letter from Kia Motors Finance to XXXX XXXX, asking for the entire settlement, despite only being owed {$1500.00} on the car. 

XXXX XXXX sent the check for {$12000.00} to Kia Motors Finance. The check was received by Kia on XX/XX/XXXX and cashed on XX/XX/XXXX. I have attached a copy of the cashed check from my insurance company. We have called Kia Motors Finance on a minimum of 10 occasions. We have been told on 4 different occasions that the check for the balance of {$11000.00} will be sent to us in 7-10 business days. Each time 10 days has passed and we call again, we are told that there are no notes showing that  anyone processed the check. Many times when we call, we ask for supervisors until we've talked to every supervisor available. Every time, we are on the phone for a minimum of an hour. We are always told that all that they can do is " send an email to processing. '' We are told there is no phone number for processing and there is no one for us to call. We very much feel we are getting the run around. We are starting to fear that the company is filing for bankruptcy and we'll be out a significant amount of money. The behavior of many of the people we've spoken with has been very concerning. Some have acted helpful and they tell us what we want to hear and then nothing happens. When we call back, there are no notes that we've ever called. We have no idea where to turn and feel very much that Kia Motors Finance is holding our money hostage. This was never their money to begin with. We owed a very small amount, always paid our monthly payment on time and in excess. We deserve to be paid what we're owed. We had to take out a loan to purchase another car for which we are now paying interest.
Product: Prepaid card

Direct Express complaint I went to XXXX on XX/XX/2023 and believe my info was stolen or skimmed that day. I purchased stuff that day myself. On XX/XX/XXXX XXXX purchases were made online with my information at XXXX. I did not make these purchase. The amounts were {$400.00}, {$240.00}, {$240.00} and XXXX XX/XX/XXXX th another transaction happened for {$240.00} XXXX I did not make XX/XX/XXXX {$270.00} purchase happened. All these I did not do. XXXX The hacker or scammer or skimmer depleted my benifits and left my family broke and starving the remainder of the month. I reported to Direct express, disputed these charges and got a new card. They purposely sent papers in an untimely matter. But I still emailed hand written responses to the transactions in a timely matter. They never responded to my emails. They determined these were pre authorized and closed my case. 
I did not make these purchases this was not me. They would see that by where ever this stuff was sent to. Cause it wasnt to me. They stole my ssi benefits and my kids survivors benefits. My life has been XXXX and behind in bills since. Please someone help me make it right with Direct Express {$1600.00} in total stolen from me
Product: Checking or savings account

Chase bank. Checking account. I reported unauthorized activity On my account. 
Asked to close account. 
Was told my account was closed and that I would need to go to the bank in the morning to set app new account. I Was blocked from, my account online. The following day there were almost {$3000.00} in charges to my account. That were unauthorized and happened after I had shut my card off. Bank refusing to refund money even though they had not done as I asked them To do and what they said they were going to do.
Product: Credit card or prepaid card

I bought  a MasterCard prep aid gift card from  XXXX  back in  XXXX   XXXX . When it was first being used in store in  XXXX   XXXX  and it got rejected. I contacted the company and they told me it was registered under another persons name. I faxed the copy of the card to the company on  XXXX   XXXX ,  XXXX  for lost/stolen. They told me they cant assist me because they cant verify my information. First of all, this is a prepaid gift card and does not require registration after purchase. There is no way for me to find out who registered it, if this holds, that means I can never get my money back.
Product: Checking or savings account

XX/XX/2022 TO : Consumer Financial Protection Bureau RE : XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Claim ID # XXXX Card Ending XXXX Attn : CFPB I received a notice from my Regions Bank, disputing certain transactions. Based on their investigation, they determined not to credit any of the fraudulent transactions. 

I received my XXXX  check early for the month of XXXX, which was on XX/XX/2022. I called the automated banking system and realized my check was short by {$200.00}. On XX/XX/2022, I went to the ATM and withdrew {$600.00} as I do every month. My budget does include {$300.00} on a monthly basis for website use. On XX/XX/2022, I again called the automated banking system, and my balance was negative {$1900.00}, I immediately called the Regions Fraud Department. They conducted their own investigation, and informed me that I made all of the charges, which I did not. I talked to Regions Fraud Department multiple times, and some of the conversations were of a negative response, and was disconnected. 


I received my XXXX  check on XX/XX/2022. Regions Bank records show from XX/XX/2022, thru XX/XX/2022, showed charges of {$630.00}. My website usage was {$150.00}. The balance of {$470.00} were fraudulent charges. 

I received my XXXX check on XX/XX/2022 for the month of XXXX. I called the automated banking system for my balance. This check was for {$1000.00}, which was {$200.00} less than expected. I went to the ATM and withdrew {$600.00} as I do every month. I spent {$280.00} on the website, as XXXX budget {$300.00} for this expense. 

My documentation shows for XX/XX/2022, {$470.00} fraudulent charges. For the month of XX/XX/2022, {$1400.00} fraudulent charges. For the total of the two months, I was scammed {$1800.00}, which is close to the {$1900.00} Regions says I owe. 

Please conduct your own investigation into this matter. 

Sincerely, XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 1. XXXX/XXXX  - XXXX XXXX. XXXX XXXX - XXXX
Product: Debt collection

On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called XXXX. The amount for this XXXX debt was XXXX XXXX The address that was provided was my old address that I shared with my ex XXXX until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with XXXX and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call XXXX to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.
Product: Credit reporting

I filed a dispute with the way some accounts were reporting on my credit report. The information reporting was wrong and inaccurate. I provided the facts that the accounts were reporting inaccurately and requested they investigate. I get a credit report stating that the accounts have been verified that they belong to me. I never claimed they did n't belong to me. 
I simply stated the information reporting was inaccurate. I do n't believe they did a proper investigation.
Product: Checking or savings account

My account was opened and reopened a few times which caused my auto pay to not work and caused late payments to the institutions i was paying at the time. Which wellsfargo told me at the time they didnt know what happened but later found out that they were opening and closing my account to make quota of opening a new account. My credit went down the drain and it was hard for me to take a loan and always had higher interest rates and it was never resolved.
Product: Debt collection

XXXX XXXX XXXX continues to sale a collections account in the amount of {$2400.00} that does not belong to me To date, they have sold a passed my information to 5 companies. I am not the owner of this account. I do not have nor have I ever had an account with XXXX XXXX XXXX or its affiliates. Each time I dispute this matter, months later it reoccurs as a problem. On XX/XX/XXXX I will follow suit. This issue has taken up a lot of my time and energy and I refuse to suffer from this matter and further. Currently, the company reporting this inaccurate, false, denominational information to my credit is a company called Credence Resource Management. This information was reported to my credit account on XX/XX/2020. Each time the account is removed only to resurface 5 to 6 months later. I have never received any collection documents, phone calls or any form of communication from XXXX XXXX XXXX or its affiliates other than the account being placed on my credit. 

I would like this information published immediately so that the people whom are suffering from the false and inaccurate and negative information these companies are allowed to publish on their personal credit. I will use whatever resources available to me via the allow to pursue this issue.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and fraudulent accounts continue to appear on my credit report despite my previous disputes. I filed an FTC Identity Theft Report ( # XXXX ) and submitted disputes to the credit bureaus. As a result, some fraudulent accounts were removed, but XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX remain, despite clear evidence that I did not open them. Additionally, there are fraudulent inquiries associated with these accounts. 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), credit bureaus are required to block fraudulent information upon receiving an identity theft report. By keeping these unauthorized accounts on my file, the bureaus are violating my rights under federal law and causing me financial and emotional distress. I am a college student, and this fraudulent activity is severely impacting my ability to build and maintain good credit. 

Furthermore, I am requesting a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). If these bureaus claim the accounts are valid, they must provide documented evidence of how they verified the accounts as belonging to me, including original applications with my signature. If they can not provide this, they are legally obligated to delete them. 

The following fraudulent accounts remain on my credit report and were not opened, authorized, or initiated by me : - XXXX XXXX Account XXXX XXXX, opened XX/XX/year>, balance {$730.00} - XXXX XXXX ( XXXX XXXXXXXX XXXXk ) Account XXXX XXXX, opened XX/XX/year>, balance {$6800.00} - XXXX XXXX XXXX ( XXXX ) Account XXXX XXXX opened XX/XX/year>, balance {$12000.00}