23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Was sued by Portfolio Recovery Associates for a credit card debt that I did not accrue as I was XXXX during the dates the account was in collections. All attempts to explain that to them were ignored and they proceeded with the case. The case was dismissed as Portfolio 's attorneys no-showed mediation. 

Now, three years later, they're suing me again, for the same exact account they've already lost in court over. The account, they allege, was opened in XXXX of XXXX. The statute of limitations is six years here in Wisconsin. The last payment on this account before my XXXX, was in XXXX. So, the account is now past the SoL. 

In XXXX, they even threatened to sue my elderly Mother to collect the money owed to the " original creditor '', which is an outright lie because I confirmed with the OC that they had closed the account and written it off two years prior. Portfolio acquired the account in XXXX. 

There is no possible way I could have used that card from XXXX XXXX and no one else was authorized to use it, unless it had been stolen, which was the case. I had massive fraud and identity theft issues upon my XXXX  and even have police reports backing that. 

Yet, here they are, suing me for the same exact account again, using the exact same wording as in their prior claim again and I have received absolutely nothing by mail, email or telephone from them about it this time until I received the summons from the court. 

This is blatant harassment and it has to stop. 

My advice to anyone who reads this is to do what I did... stand your ground. Don't pay them anything, not a penny and tell these XXXX XXXX XXXX XXXX every time they call. Keep logs of when they do and be prepared to receive a summons whether the account can be collected on legally or not.
Product: Vehicle loan or lease

XXXX lease was satisfied and they are reporting incorrect i formation.
Product: Checking or savings account

On XXXX at XXXX AM, I called Regions Bank teller, XXXX, and informed her that five fraudulent checks had been processed and paid in my medical practice account. I was put on hold for 18 min. and the teller never came back on the line. I called the bank branch 's alternate different phone numbers and there was a busy signal all day, on all the lines. 

The signature on the checks was not mine. My signature was not forged. There was a different name I did not recognize on those checks. Also, the check numbers were grossly out of sequence. 

I also sent an email to the XXXX XXXX, XXXX XXXX, on XXXX, to alert him to the problem. No return phone call. I have been a customer of the bank for 39 years. 

The next day, XXXX ( Weds. ), another 20 checks with signatures that were not my name were processed. I was out {$7800.00} due to fraudulent checks, not including bank fees. I went into the branch that day and informed the branch XXXX that I needed the funds stolen to make payroll. I asked, when could I expect a refund of the theft and bank fees. The XXXX XXXX opined that it might take at least 15 days. He opined to my wife, my office XXXX, that we ( myself & my wife ) were the most likely suspects as perpetrators of this theft. 

At first, Regions Bank wrote that no credit to my account would be forthcoming ( see attached ). I contacted my lawyer who contacted the XXXX XXXX for the bank in XXXX, AL. This resulted in a provisional credit being issued. The bank XXXX was flabbergasted. 

In discussions with other Regions Bank bank personnel, I was informed that this type of theft occurs regularly. When I tried to obtain results of the banks efforts investigating this theft, even over a year later, I was informed that this information will not be shared with me. 

I did file a police report with the City of XXXX XXXX police. The investigation was opened and closed w/o discovering a perpetrator. 

On or around XXXX, I was told that my Regions Bank account of 39 years was being closed. I asked why. Various bank officers said they did not have to give a reason. 

I would like to know why the bank 's computer program that verifies customer 's signatures did not identify a problem-for two days running. Why the check numbers, being wildly out of sequence, did not raise a red flag, for two days running. Why I was hassled with two accounts, which at times required over an hour to transfer funds. Lastly, why did I need to retain a lawyer and pay legal fees to obtain the funds timely that were stolen as a result of the banks lack of controls and oversight. 

My legal expenses and my own personal time lost should be covered by Regions Bank. 

Finally, has Regions Bank identified the perpetrator and solved this allegedly recurring problem?
Product: Credit reporting or other personal consumer reports

Have tried repeatedly ( as in, more than 25 times in the last two weeks ) to complete the Experian account setup process. Again and again ( and again ), have entered SSN, phone #, numerical portion of address, scanned passport and taken selfie. And every time Experian 's application setup process hangs while processing image verification. Experian 's automated phone assistance is beyond USELESS, and never allows contact with a human being who might be able to assist in completing this process. 

As my SSN was exposed in the latest mass data breach, I want to be able to quickly freeze/unfreeze credit request authority , but while XXXX and XXXX make that possible, Experian does not. Given how absolutely worthless its automated phone system is, this company NEEDS to provide human support for problems with accounts.
Product: Debt collection

Im very confused by all of this at one point XXXX XXXX  sent me a copy of a bunch of statements. Im not denying that there was an account. Apparently they were actually two accounts. They just werent mine. I had no knowledge of these accounts until I updated the address. You didnt even have the correct address. I dont know if this money and Im not giving you any of it.
Product: Credit reporting or other personal consumer reports

XXXX!! 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Some one used my credit to try to get a car. attached is letter from dealer and police report
Product: Checking or savings account

I requested that two items needed to have a stop pay because they were redundant and I had already paid them or scheduled a payment. I specifically stated I wasn't disputing the charges and that the companies weren't at fault. The Citibank Dispute representative didn't understand that and had a very poor understanding of how her bank works along with poor English skills. 

Citi sent me forms to fill out to pursue the " disputes ''. I never filled out these forms and decided it was easier to leave the charges as they stood. 

Two days later I couldn't log into my account and was directed to a number. I called the number and the man who answered stated he called me. I never received a call from Citibank. I don't recall ever receiving a call from Citibank, ever. 

I was run around in circles for two hours to finally get the information that my account was locked due to fraud. There was no fraud. I specifically claimed that I was responsible for the issues I was trying to get rectified. I couldn't get anyone to listen. What kind of global bank  operates this way? 

I was then yelled at because I had ACH deposits that I needed access to. No one would give me an intelligent answer. I was then informed by the fraud department that any transactions received would be returned including ACH deposits. This was completely false-they had made it up and lied about it. 

The lock-out happened on Weds XX/XX/. A social security ACH deposit was accepted by Citi on Friday, XX/XX/. I need access to these funds. Citibank refuses to release them. 

I have been yelled at, consistently fed false information, and treated unprofessionally. I need those funds released, not in 60 days but now. What kind of bank employs people who have no business interacting with their clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX I sent write letters to the CRAs & these companies for the attached accounts. I also submitted a CFPB complain for XXXX XXXX on XX/XX/XXXX & XXXX for XXXX XXXX  on XX/XX/XXXX. 

They have had ample time to update their records. I am showing a MAJOR violation in their investigation processes, not only are there inconsistencies within their reporting, but they are not showing that these accounts have even been disputed. 

This does not display accurate reporting that I am entitled to. These accounts have been marked as verified, but do not display that an investigation was even initiated. 

These inaccurate accounts should be removed immediately for a major violation of the FCRA. They have each had at least 5 times AND ample time to update their information records and have chosen not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Bank of America Credit cards were settled and paid on XX/XX/XXXX in the amount of {$5000.00} and {$4000.00}. Debts still show as derogatory and need to be removed from my report. 

XXXX  XXXX XXXX debt was settled in full on XX/XX/XXXX. This debt needs to be removed from my credit report as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I was the victim of an elaborate scam. I contacted XXXX after researching catteries with the hope of purchasing a kitten for my child. I initiated communication with this 'breeder ' via their online form, I was then contacted via email ( XXXX ) and text ( XXXX ) by XXXX XXXX XXXX , who proceeded to send me photos and videos or the kitten I expressed interest in. Following lengthy conversations and video calls, a price was agreed on and Mr. XXXX asked that I send the money via Chase Quickpay. I had saved up about {$1000.00} to purchase or adopt a kitten so I agreed. Never having gone through this before, I did not suspect a thing. After the money was sent, Mr. XXXX stopped responding to me. I then started to do the research I should have done before giving him my money. I found that his website had been recently created on XX/XX/2020, the phone number was a XXXX number and the cat images and videos were taken from other websites. I immediately contacted Chase for assistance and was informed that their fraud department was closed until XX/XX/2020. I proceeded to file a claim with the FTC ( XXXX ), the XXXX XXXX XXXX Scam Dept., and IC3 as well as my local police department. I called Chase on XX/XX/2020 at XXXX and spoke with XXXX, who after hearing my story, transfered me to XXXX  ( XXXX? ), XXXX  submitted a claim for me, reassuring me that I would receive a credit for the transaction while it was investigated ( # XXXX ). I provided him with all of the details of the reports I have filed and asked him if I could send him the email and text communications which were not needed at the time. After the call ended I decided to call back to ask for more information. I spoke with XXXX who to took down my information and transfered me to XXXX, a manager of the fraud/scam department, she informed me that XXXX ( XXXX ) as wrong and I would not be receiving any sort of credit, my funds were virtually lost and would not be retrieved. I was then transfered to XXXX, her supervisor, who informed me of the same. Even though one of their representatives had assured me that a credit was possible while they investigated. I am currently unemployed and have been waiting to receive unemployment benefits since XXXX, this {$950.00} was lovingly saved for my XXXX yr old who wanted to own her very first pet. I have never been the victim of a scam and I thought that the bank I have been using for years would assist me. This was not the case. I am at loss and don't know what else to do.
Product: Payday loan, title loan, personal loan, or advance loan

The Solo Funds app went through an update on XX/XX/2024 before my loan was due for repayment on XX/XX/2024. The update was to be completed within XXXX hours, however, it has now been officially a month and I along with other users are just now able to log in to the app. 

We were told that borrowers would not be assessed late fees or synapse fees for non-payment, and lenders would not be issued a recovery fee. 

However, I am getting messages that my loan was assessed a late fee and synapse fee, even after I was told via email I would not be assessed one. 

I did research on the company while it was down to see if other users were having the same issues, and apparently multiple lenders and borrowers have not even received funds that were loaned to them or repaid to them. 

It has made me not trust the platform with any further transactions. How will I know that the lender I received the loan from will receive the repayment if people can't even withdraw the money from their SoLo account? 

Not only this, but after reading through the lawsuit that CFPB has filed against them on XX/XX/2024, I have found that they aren't licensed to offer loans in my state, and the loan I received through them is void. 

After further reading through the lawsuit, I read of SoLo 's donation and tipping. When I first started using SoLo, I thought the " donation '' was mandatory and gave a donation to SoLo until one day I went into settings and found that you are able to turn it off. SoLo does not tell you that you can turn it off when you go through the loan screen. 

I also did not know that the tips I gave to lenders may not have even been given to them. I gave the highest tip 15 % of the loan to the lender on a majority of my requests so I'd have a higher likelihood of receiving it, otherwise, my request was never fulfilled. 

As a consumer, I thought I could trust this platform because over XXXX XXXX people use it and it is available for free in the XXXX XXXX app store. I assumed that meant it was legitimate in my state, but it is not.
Product: Vehicle loan or lease

I was exploring options to refinance my two-month-old auto loan, which currently has a 6.74 % interest rate with 75 months remaining. While using XXXX XXXX, I was shown various lender offers tailored to my credit profile, including an offer from Tresl advertising a 5.71 % interest rate for 84 months with an excellent chance of approval. I have excellent credit and expected that rate to be available to me. 

However, after providing Tresl with all my information and undergoing a hard credit inquiry, I was instead offered a 7.42 % APR for 84 monthssubstantially higher than the advertised rate. When I inquired about the discrepancy, Tresls response was, We can try again in 6 months when there is more equity in the vehicle, despite the fact that I had clearly disclosed the loans recent origination date and my goal of refinancing for a lower rate and payment.

This experience felt misleading and disappointing, as Tresl was fully aware of my situation and the original offer I received on XXXX XXXX. I am seeking resolution to this issue, as I believe it reflects deceptive advertising practices and a lack of transparency in the lending process.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2012 there was a XXXX card opened under my name which I never authorized. I had been asking XXXX to remove this card from my credit report and close the account as it was not me yet they have refused to do so. The account is still showing under my credit report as a charge-off when I never authorized them to open an account in the first place. I would like this account fixed and removed from my credit as it is causing problems and negative remarks under my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an adjustment of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Statistically middle class americans have their account funded within XXXX business days. I normally do not have my account overdrawn for more than XXXX hours. Recently, I lost my job and am on unemployment. MY account is funded every Thursday. Between Tuesday and Thursday my account was over drawn and I incurred {$XXXX} dollars in overdraft fees XXXX dollars each. 

Once the account was funded on Thursday I called to see if as a courtesy I could get any of the fees reversed. And no one at the bank would help me. Their excuse was that its a computer system and the system will not let them waive any fees. Middle class, and poor citizens pay to fund these banks in overdraft fees. 

The account was funded within 3 days. {$XXXX} dollars per fee is insane. XXXX on unemployment!
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX I contacted the XXXX XXXX XXXX XXXX office in XXXX XXXX, TX at XXXX. I spoke with a representative in reference to a medical bill for son thats reporting on my credit report in the amount of {$770.00} from a hospital visit on XX/XX/XXXX. I asked the rep if she could provide me with the information of the insurance they billed for payment so I can try to understand why this account is now in collection. She told me she was busy and had to look for that information. I called back again at XXXX and she told me again that she was busy and would call me once she found the information. I called XXXX XXXX XXXX and XXXX for an Explanation of Benefits for dates of service XX/XX/XXXX and only XXXX had one. XXXX denied the claim due to other health insurance which is correct because XXXX XXXX XXXX is my sons primary insurance and XXXX is secondary. I stopped by in person the XXXX Hospital and got a detailed hospital visit from that date of service as well as spoke to billing about the hospital bill and physicians bill. The billing rep told me the hospital billed for their portion but was not able to let me know about the physicians because they only handle the hospital portion. He was able however to tell me who to contact about the physicians bill. One I called the office that handled the physician bill they explained to me they did not have a bill for the dates of service in question. I the contacted CMRE which is the credit collections agency and told them that the company they are collecting for did not bill my insurance correctly and I legally can not be held responsible for that. I sent the Explanation of benefits to them and they are now investigating it. Ive tries several times to disputed this account with XXXX  but they keep stating the account is good. Im curious to know how they closed a disputed so quicky when they are required to reach out to the agency to prove validity of the account. I know for a fact they didnt do that because the XXXX XXXX no longer exists because it has been bought out by a new company. Im providing the hospital bill that was paid and on the same date of service of the physicians bill. Please help me get this removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I have submitted multiple complaints to you guys, regarding some fraudulent accounts that are on my report, you guys told me the disputed accounts were removed and they are still showing on my updated report. 
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report I am requesting that those charges be removed immediately. 

XXXX XXXXXXXX XXXXXXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$4600.00} -- -XXXX XXXX XXXX XXXX XXXX Date fraud beganXXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX XXXX, Date fraud began:XXXX Total fraudulent amount : {$1100.00} XXXX XXXX XXXX XXXX Date fraud began : XX/XX/2023 Total fraudulent amount : {$980.00} -- XXXXXXXX XXXX XXXXXXXX, Date fraud began:XXXX Total fraudulent amount : {$4800.00}
Product: Credit card

Billing identity theft customer relations and fraud victimization of elite card holders treated with poor service high aprs and synthetic identity theft and poor dispute management with heavy brand information sharing between high end affinity banking partners under XXXX
Product: Checking or savings account

I have been a Bank of America customer for XXXX XXXX. I am trying to sell my car. I was text messages through an app from a buyer who offered XXXX XXXX. I accepted. He sent a check saying it was cashiers check. I deposited the check. It cleared, he asked me to send XXXX XXXX into someone to come pick up the car. I wired the money. Then he said there was an emergency and asked me to wire him money. I called my bank immediately and asked the wire transfer be stopped, it was still showing on hold and my bank didnt do anything to help me. I asked them to report the bad check and scheme again and they said they could not report the check as fraudulent. 

Check info Business name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The wire transfer was sent to Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The buyer said the beneficiary was Here is the beneficiary address if needed XXXX XXXX XXXX XXXX XXXX XXXX XXXX And contacted me through the number XXXX
Product: Credit reporting or other personal consumer reports

I found billing errors on my credit report listing late payments that dont match my usual payment behavior. Please fix these inaccuracies and adjust my account.