23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

( Fraud Block Request Declined - Document Submitted Not Acceptable ) I have already try requested information, and still after XXXX, XXXX time I still not able to resolve anything. Your company state that " Our goal is to maintain complete and accurate credit information ''. It's our commitment to you. You at this time have still reporting inaccurate information as of today, from my student loans amount that I paid down on, to late payments, to account that do not belong to me. 
I provided Arizona police report which is legal document. Per FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ( B ), nowhere does it state that my police report needs to be signed. In Arizona police report are done automatically online. Then police report is sent to you via email after it get approved ( I have attached the FCRA Law for your reference ) I also attached my Identity Theft report from the website https : //www.identitytheft.gov/, which again is LEGAL document, and I can be prosecuted for false information, in which is valid identity theft report and LEGAL. 
I also attached my complaint to Arizona Attorney General- My Driver License, Copy My passport, Statement proof address, and Social Security In next 30 days if do not have access to my credit report, I will seek Legal actions, and you have incorrectly continued report inaccurate information to my credit report and not allow access to my credit report.
Product: Bank account or service

bank of America issue me debit card with number, I was paying my bills with it, I got my wallet stolen at the lake, I call the bank an was issue a new card an anew number, XXXX came into my account on my first debit card number an took out XXXX which I did not owe that amount an I do not have a direct deposit with XXXX, how did the bank allow this on my new card number, i call a lawyer an he said that 's agood question I got some of my money back but XXXX took out a another month in a advanced payment an change my programming pkg, now I pay more for less tv, an XXXX told me on phone if I did n't give them the new code number on my debit card they would cut my service off, so I had to borrow money to get me thu till next payday, iam very upset with this bank an XXXX, i will be switching banks, merchants has more rights than me.
Product: Checking or savings account

I want to close my XXXXDash Direct account because I have 2 accounts. I have tried 12 times to communicate with the company on XXXX and XX/XX/year> to no avail. The number I called was XXXX. It is extremely difficult to get to someone who is with Payfare, and they do not identify themselves as such. The agents are in XXXX call centers and lack sufficient fluency in English to communicate. I was not able to get anyone who speaks English using the correct context, syntax and articulation in order to conduct a financial business transaction. The account I want closed has XXXX debit card XXXX XXXX XXXX XXXX connected to it. It is associated with the email : XXXX. It has account number XXXX. I have attached the most recent statement.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 XXXXXXXX XXXX
Product: Mortgage

My mortgage with XXXX XXXX XXXX was sold to Carrington Mortgage Services in XXXX 2016. Beginning with my XXXX 2016 mortgage payment, I started making my payments directly to Carrington and it has been a non-stop litany of problems since then. I have yet to receive a payment coupon book. I have now made 3 timely monthly payments, per the terms of my mortgage, yet none are posted correctly without a lot of intervention on my part. I receive harassing calls at work at least once a week saying my account is delinquent despite the money arriving there on time or ahead of schedule. I 've also received at least one delinquency letter. I have yet to receive a XXXX form for 2016 for my taxes. Their website lists one monthly amount due yet their customer service reps indicate another amount is due ( the difference lying in the escrow payment ... not late fees, principal or interest ). I feel this is a pattern of behavior designed at best to generate additional revenues in fees, and at worst, to create an event of default allowing them to take my home despite my making all of my payments on time. My only proof of payment is my bank statements and receipts generating by their website when I make the payments, but I am afraid this will be insufficient in the event that I need to rely on them. At this point I am debating refi-ing my house in the hopes of never having to deal with Carrington again, although they seem to play games during the refi process as well. I am a highly educated, gainfully employed XXXX. I hold a XXXX and know many attorneys through my job and in my personal life ... I do n't know at this point my best option is to send an attorney letter to them or what my best course of action is as I feel powerless over what Carrington chooses to do with my payments and what they choose not to do. The BBB website has at least XXXX pages of complaints very similar to mine ... most of them stemming from mortgage transfers by XXXX and XXXX ... and the company has a XXXX disapproval rating. There are many, many complaints against them on other legitimate, reputable sites as well. I got your web address from the FTC in hopes that you can intervene in some fashion. Their business practices are most definitely predatory and likely intentionally unethical.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX  # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX DEPTEDXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

My student loan payment was due on XX/XX/XXXX, and I made all necessary updates to my Advantage account to allow the payment to be drafted from my checking account on that date. I received an email on XX/XX/XXXX that my payment had been posted. I then receive an email on the XXXX that my student loan payment was past due. I logged into my Aidvantage account and see on the transaction history that a payment was received, then was reversed. I received no notification from Aidvantage or my bank that the payment had been reversed and Aidvantage 's website provided no explanation why. I had even submitted documentation before the XXXX to make sure my married name was on my Aidvantage account to match my bank account. I tried contacting Aidvantage through the chat on their site and just received a notification that they had too much volume and the chat would automatically close. I tried several times. I called them and went through the auto attendant trying to get to real person and had to give up after being on hold for half an hour. I contacted my bank and they said that no attempts had even been made on my account for that amount, and that any reversals would show. I confirmed that I had entered the correct bank account and routing number as well, but Aidvantage had not even tried to pull the money from my account. So now they are saying I am " past due '' and that I owe double my monthly payment now. I have resubmitted the payment on Aidvantage 's website but have zero faith it will actually go through. There are numerous reports on XXXX that others have experienced this exact same thing, where Aidvantage either consistently " reverses '' their payments or straight up will not allow them to be made.
Product: Mortgage

Shellpoint has acted with gross negligence and gross incompetence in dealing with my foreclosure avoidance request. They are also in violation of CA anti dual tracking laws by processing a forelcosure while at the same time processing my short sale request. At issue is the fact that for more than an entire month Shellpoint kept asking me for financials which were not required because borrower was deceased. I provided power of attorney and I also provided transfer of deed which negated any need for estate docs yet they were not competent enough to know that. They kept asking me for docs that were not needed and illegally pursuing a foreclosure sale date at the same time. Due to their negligence and lack of knowledge for something they are being paid to service they ate up my time and now there is a sale date to their own fault in 3 days. This is not acceptable under any circumstances.
Product: Money transfer, virtual currency, or money service

I went to log into my Coinbase account and there was no verification code sent which essentially locked me out of the account. When I made them aware of the situation they locked my account which basically I cant get in anymore this them denying me access to my own funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX got a copy of your Equifax Credit Report XXXX 
XXXX XXXX XXXX made a Inquiry by checking your Equifax Credit Report. 
XXXX XXXX XXXX XXXX Address Equifax XXXX XXXX XXXX Credit Bureau Dispute Resoluti, XXXX XXXX, IA XXXX XXXX Company Address Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Checking or savings account

I called Chime on Friday, XX/XX/XXXX regarding an unauthorized use of my chime card where {$85.00} was spent at a XXXX XXXX in XXXX  Texas and they sent me an automated email basically saying after their investigation they determined that no error was made and the transaction was valid. I called the number that was listed next to the transaction to ask for the address of the hotel and went their to ask them if anyone by my name *stated my name* used a chime debit card to pay for anything at around the time the transaction was showing in my chime app. The desk attendant said that they arent too sure but a white male ( Im an XXXX XXXX XXXX  btw ) did check in using a chime card with the first name XXXX and thats all they can really remember. I then asked them if they match IDs to the cards being used to book a room and the attendant said they dont typically do that for one night stays with debit cards. I dont know what type of investigation the people at chime are doing but if I can get answers from where the fraud was done in just a few hours they should be able to do more thorough investigations than they currently do. I just want my {$85.00} refunded back to me so I can close this account with this useless company that literally does nothing to protect their customers.

Also when I asked they provide the information used to determine their denial, they just sent me a XXXX of the automated email they sent stating the same thing, that we concluded no error occurred with literally no
information or proof included at all.

This bank or whatever they call themselves is a big joke.
Product: Checking or savings account

When I opened my account it was guaranteed to be free of fees for 125 years. My checkbooks was stolen on XX/XX/XXXX and the bank told me that by giving me a new account number everything would be resolved. I had two checking accounts that were free for 125 years. I told them that the account was free from all fees for 125 years and I did not want to loose the free service. XXXX at the branch on XXXX XXXX XXXX XXXX in XXXX XXXX California assured me that everything would remain the same except the account number. Everything went along fine until XX/XX/XXXX when both my checking accounts began receiving {$3.00} monthly fees for bank statements to be mailed. I complained and {$6.00} was credited back to my accounts. ( {$12.00} in fees and {$12.00} in credits ). The manager told me this had been corrected and the fees would no longer be assessed. Her name is XXXX and her number is XXXX. I called and complained when the fees continued in XXXX and she backtracked and said the 125 year free account did not include free Bank Statement being mailed. I told her I was filing a complaint and she did not care. I have incurred {$3.00} x 2 accounts for XXXX, XXXX, XXXX, and soon XXXX that total {$9.00} each account soon to be {$12.00} each account. Then in XXXX one of my accounts started being charged an additional {$10.00} fee for a total of {$13.00} a month. I did not realize the additional fee was being charged until the bank charged me a {$35.00} NSF fee for a check. This horrified me as there would have been enough money in my account had the bank not charged me all the fees. The notice stated my account was overdrawn by {$22.00} and they were assessing an additional {$35.00} fee. So to summarize the fees charged, Account One has been overcharged {$9.00} and increasing by {$3.00} the XXXX of every month and Account Two has been overcharged {$9.00} for statement fees also increasing {$3.00} on the XXXX of every month, {$20.00} for unknown fees and I assume they will continue to charge this additional undisclosed fee on the XXXX of every month, and a {$35.00} fee for a NSF that is their fault for charging me fees fraudulently. To date Bank of the West owes Account One {$9.00} and Account Two {$64.00}. I called XXXX Thursday XX/XX/XXXX and she has not returned my call or corrected my account. I am trying to locate my original free checking information however it is from around XXXX. Bank of the West is stealing money out of my account and committing Bank Fraud by taking money not due them and not agreed to by me. I also have direct deposit on both accounts so it is very difficult to change banks as well as redoing all my online payments.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in ligh of the recent CFPB lawsuit highlighting significant issues with the platform. Depute using Zelle numerous times and reporting discrepancies, my financial institution and Zele failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect customers but also allowed repeat offenders to exploit the system. leaving users vulnerable to scams. This lack of accountability and transparency is unnaceptable and rasies serious concerns about consumer safety.
Product: Vehicle loan or lease

Back in XX/XX/XXXX, I noticed that my car payment had been transferred from SunTrust to Truist Bank. I could not make my payment online, as I had been since I opened the loan in XXXX. I called Truist to set up an account and make my first payment, which I was able to do with the representative over the phone. The next month I went to my Truist account to make my payment and I was unable to access the online account created by the representative. I called customer service on five separate occasions, however, each time I waited for a representative for anywhere between XXXX and XXXX minutes without any contact. Finally, in my sixth attempt to make a payment, Truist 's customer service line offered a callback option. This option was not available in my five previous attempts. When the representative contacted me, I was informed that the original online account number provided to me was inaccurate. I was able to rectify the issue with my online account and bring my loan up to date. However, I was also informed that during this issue with my account I was 37 days late on my payment and it will be reported to the Credit Bureau. An incorrect account was communicated by the Truist representative. I made multiple attempts to make a payment while facing impossible wait times. A grace period should be offered for accounts being transferred. Had my online account been functional, I would not be facing a penalty on my credit XXXX.
Product: Debt collection

My identity was stolen in 2020 and there have been 6-8 accounts opened up under my name. These accounts being opened up aren't even in the state I reside in. Fair Collections & Outsourcing Inc. have been awful in helping me with this fraud. They have gave me the runaround multiple times on what to do. XXXX XXXX has correctly been assisting me with the fraud case. Why are these companies giving out loans, renting apartments or allowing people to open up accounts in my name when I don't even live XXXX miles from where it's taking place? These companies are acting negligently in not researching where I live at, where I work, etc. because if they did then we wouldn't be in this mess. I've had a total of {$90000.00} taken under my name because companies don't want to do the extra leg work to get in contact with me. They just hand everything out on a hot plate for the criminal to take.
Product: Checking or savings account

I have checking, saving accounts with Wells Fargo I check my accounts activities on XX/XX/XXXX and there were many unauthorized transactions beginning XX/XX/XXXX to XX/XX/XXXX. My last transaction is XX/XX/XXXX for mobile depositing {$170.00} Below are unauthorized transactions XX/XX/XXXX : transfer {$4300.00} from business market rate saving to checking XX/XX/XXXX : transfer {$3200.00} from XXXX XXXX to checking XX/XX/XXXX : transfer to XXXX XXXX {$14000.00} XX/XX/XXXX : transfer to XXXX XXXX {$10000.00} XX/XX/XXXX : XXXX to XXXX XXXX {$990.00} XX/XX/XXXX : Recurring payment to XXXX XXXXXXXX {$40.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA {$17.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA {$64.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA {$15.00} XX/XX/XXXX XXXX XXXX XXXX {$57.00} XX/XX/XXXX XXXX XXXX XXXX {$12.00} XX/XX/XXXX XXXX XXXX 's XXXX XXXX {$20.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$91.00}
Product: Credit card or prepaid card

On XX/XX/2023, I went to a website which presented itself as a USPO site to purchase stamps. It looked legitimate and did not arouse suspicion. I purchased a variety of forever stamps totaling {$88.00}. Immediately after entering my payment information, the site was displayed as a " Women 's Ready to Wear '' company located in XXXX XXXX. Recognizing I had been scammed, within 5 minutes, I was on the phone with the fraud department at Citibank, speaking with " XXXX '' and asked him to BLOCK the charge from posting. I was advised that " nothing can be done until the charge is posted '' which would take XXXX days. He assured me multiple times that the fraudulent charge would be reversed after posting to my account. 
Since the scammers had my financial information, I chose to immediately close my account and receive a new account number. 
I heard nothing further after 6 days, so I called again and " XXXX '' with the " dispute resolution team '' took my call. She said, " Do not worry. It may take up to a whole billing cycle, but {$88.00} will be posted as a security credit ''. 
On XX/XX/XXXX, the credit was posted to my account, but was immediately reversed the same day and still appears as a charge. As of today, XX/XX/XXXX, Citibank has not reversed the fraudulent charge, and has deemed {$88.00} as " customer 's responsibility ''. 
I have received a shipment of XXXX XXXX from a sham company ( XXXX, XXXX XXXX CA XXXX XXXX These stamps are fake, and illegal to use. 
Thank-you for any help getting Citibank to XXXX its word and reverse the fraudulent charge.
Product: Checking or savings account

I am writing in hopes of getting some assistance with my account with Vystar. I have been with Vystar for over XXXX  years and have served this country for the last XXXX  years as an XXXX combat veteran. The issue at hand is this, I have been informed by the fraud department that my account will be closed due to multiple payments made in order to assist with a major purchase I am in the process of completing. They did not give me any further information but that the paid transactions would be returned. I tried to explain to them that when a new paying account is added to the account, that it takes XXXX business days to clear the account before a large payment is made ( according to their automated telephonic system ). Therefore, payments could only be made online through an automated system for only {$2000.00} at a time. Please note, I do not reside in Fl and there is no branch here in California. I explained this to the fraud department, which clearly didn't know about this automated service. Otherwise, they would never have asked why I was making payments in {$2000.00} increments. Because of that, they decided that they didn't want to do business with me anymore claiming that the account payment was made from was inaccurate. 

The account was not fraudulent and no security measures were breached in this process as I had the payee on the line verifying and authorizing each payment. I also contacted Vystar the day before to let them know that I was going to be doing cash advances due to the large purchase that needed to be made. When asked to further investigate and prove their case of returned payments, they had no other answer for me than to state that it looked suspicious and fraudulent so they have to close my account. 

I feel thrown away and discarded and I would like my account reinstated immediately. I have filed an XXXX claim in regards to this, contacted the CEO and President of Vystar, the audit committe, and anyone else that need to be involved in this matter. If this is not resolved amicably, I will have no choice but to file a lawsuit against Vystar.
Product: Vehicle loan or lease

I have a loan with TOYOTA MTR. 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 TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XXXX, XXXX, XXXX XXXX / XXXX XXXX.