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

On today, XX/XX/2023 I was trying to XXXX money from my Ally bank to my XXXX account so that would be able to pay a bill. The XXXX did not go through and a message was received to call the bank. I called and found out that my XXXX was restricted and I was transferred to loss prevention. They asked me questions regarding my cell provided which I didn't find relevant to me accessing XXXX. After multiple conversations with different incompetent individuals I finally got a person who I thought would be of help. Wrong, this person not only didn't help me with the XXXX restriction but by the time I was finished with the call she ( XXXX XXXX had restricted my entire account. I asked her why I couldn't long on to my online banking and she told me that I would receive a email requesting documentation verifying my identity. I am not sure what XXXX, which is not a product of Ally but a tool used to transfer money has to do with my account. I am also confused how I go from questions about XXXX to not being able to access my account or my money.
Product: Student loan

I have never had or applied for a student loan. Ive been wrongfully charged with student loans that are not mine. The government has wrongfully taken nearly {$60000.00} from me over the years. I need this to be corrected and cleared.
Product: Money transfer, virtual currency, or money service

I sent money via the MoneyGram app to another country and i got a confirmation email stating that the money was sent. But 1hour later i got an email saying it was canceled but its already 3 days and my refund is still not available!!! They took the money out real quick but they couldnt give it back quickly
Product: Debt collection

A company Northstar Location Services ( phone number XXXX ) has called me multiple times looking for a consumer. The consumer is not me nor do I know the consumer. I have notified Northstar each time they call that their skip tracing is faulty and they are calling the wrong number. Every time, they assure me that they are removing my number from their system and then, the next week, I receive another call from them. 

The company is calling me repeatedly at work after being notified that it is the wrong number and the company is failing to maintain an effective internal Do Not Call list.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I visited a Chase branch drive-through to deposit funds into my daughter 's XXXX  account. During the transaction, the teller requested additional identification, which led to an escalation involving the branch supervisor. The interaction was handled rudely, and I felt that the staff were unnecessarily confrontational. 

On XX/XX/year>, I went to the same branch to make two withdrawals and inquire about account balances for my XXXX XXXX XXXX accounts. Despite my long-standing and responsible history with Chase, I was treated with hostility and suspicion. The teller and branch manager refused to complete my transactions, accusing me of fraud and making discriminatory remarks. As a result, all XXXX of my XXXX XXXX  accounts were abruptly closed without prior notification or adequate explanation. 

The actions taken by the bank included : On XX/XX/year>, the teller requested excessive identification and involved the supervisor, creating an unpleasant and confrontational atmosphere. 

On XX/XX/year>, I was accused of fraud, and my accounts were frozen and closed. 

I was informed that the closure of the accounts would begin on XX/XX/year>, and could take up to XXXX days, with a cashiers check to be sent to me. 

The situation has caused significant disruption to my XXXX  educational funding and considerable emotional distress for my family.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I identified inaccuracies regarding late payments reported on the following account, as well as a misclassification of the creditor type. This account is an auto loan, but it has been incorrectly listed as a personal loan. 

Account Name : XXXX XXXX ( XXXX  XXXX XXXX ) Account Number : XXXX I would like to bring to your attention that I have consistently maintained timely payments on this account and have never been late. Accurate credit reporting is crucial, and I respectfully request a thorough investigation into these discrepancies. 

Please provide evidence to substantiate the late payments, such as account statements or communication from the creditor. If you are unable to verify these claims, I request that the late payments be promptly corrected to reflect their true status as on-time. Additionally, I request that the creditor type be updated to correctly reflect the nature of this account as an auto loan. 

Please address this matter within the legally required timeframe and inform me of the results of your investigation. Thank you for your prompt attention to this issue.
Product: Checking or savings account

I got a {$2800.00} dollar check from a girl named XXXX XXXX that I met on a XXXX XXXX XXXX who was going to take over my apartment lease. I also got a photo of her Drivers License so she could prove she was real. It was from XXXX XXXX XXXX and looked like a legit check from the outside. She said the money was from her company to accommodate housing and moving fees. She said she need {$1800.00} to pay off the movers and the rest would be used for the first months rent. She asked if I could deposit the check and use part of that money to pay the movers for her as she wasnt able to get XXXX separate checks for me and the movers. I deposited the check and saw the money in my account. However, I still called WellsFargo and asked them in the money was in my account and ready to use. They confirmed they saw the deposit and told me everything was fine. They gave me now warning about the check possibly bouncing. I went ahead and paid the movers through XXXX. A few days later, all the money from the check was removed from my account. I could also no longer contact XXXX. I called WellsFargo and they said it was a bad check and took no responsibility for the initial call when they confirmed the money was in my account. If they had given me the slightest warning that once the money is in, it can be taken out, I would have never sent the money. This means that since it was a bad check, I paid the movers {$1800.00} dollars of my own money. I have been taking to WellsFargo for months trying to get the money back as it was sent thru XXXX, which is ran by them. However, after filing claim after claim, they told me it wasn't possible because I knowingly sent the money. I have so much proof that this girl was a scam and all I asked is if they look into the account this money was sent to but they won't even do that. Now, they are saying there is no way I can get my money back. 

There are so many incidents of scammers using XXXX to get money from people. I was as careful as I could be and trusted my bank which now I realized is where the problem was. I just want WellsFargo to be held accountable for not giving the proper information to their customers and not helping them when dealing with scams.
Product: Payday loan, title loan, personal loan, or advance loan

I submitted a loan request in the amount of {$1000.00} on XX/XX/year>. My loan was approved but after the loan company ( Explore Credit - received invitation via mail pre-approved ) sent me the documents for signing, the interest rate was 766.69 %!!!!! I did not sign the documents ... .with a {$1000.00} loan the total owed was {$8000.00}!!! Ridiculous and I told them the same. I thought the state of Florida has a cap on how much a loan company can charge? 
Thank you for your attention to this matter. Sincerely, ( XXXX ) XXXX XXXX XXXX P.S. Just went back and reviewed the app and it was for a " Pay Day Loan ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover bank has an account on my credit report that is not mines
Product: Checking or savings account

So it started on XX/XX/XXXX I was unaware at the time but I was being scammed by what I thought was a loan agency cause I had been looking to take a loan out to utilize my credit and build my score so I can get a XXXX XXXX loan. But around noon something they requested raised res flags so I followed through with the request and immediately Withdrew my funds from my account and called key bank. I said I had reason to believe that my account was compromised I wanted to know how to go about safeguarding and or preventing any breach or further breach. They assured me that everything was fine after 30 minutes of arguing with them because they literally refused to help. Said they could see the ip address and transactions th a t everything was fine even though I'd seen large amounts of money being moved from one account to the other. She said it was me I had just probably made a mistake or forgot. XXXX key bank has refused to look up that recorded call, in sure they know that had they taken me seriously and done their job when I came to them in the beginning none of this would have hsppened ) soi told them if they wouldn't help I'd just go to a branch and figure it out. So it was after closing hours but the time I was anywhere near a branch so the next morning 1st thing I went in and my accounts were all frozen because less than 2 hours after I called for help and was turned away {$6000.00} was mobile deposited into my account one with my name misspelled ( yet still went through ) and another which were both terrible replica social security and stimulus checks. So I reported everything immediately to the ftc and the police and saved pictures of correspondence with the scammers and pictures. And a month later I'm told I can't bank with them anymore, and they shut my businesses account down, my personal, my merchant services and they are holding me responsible for {$1700.00} of the {$6000.00} threatening to report it to ruin my credit. Didn't take my longstanding business relationship into consideration just kicked me out and treated me terribly and were very rude about it. I went to another branch to discuss it and figure out what I'm supposed to do and they said " what are we supposed to do about it? ". I'm going to pay them the XXXX cause I don't want my credit affected cause iv worked so hard to get my score up but I'm going to fight to get paid back every XXXX and then some.
Product: Credit reporting or other personal consumer reports

I am in receipt of the letter dated XX/XX/2023 in response to my reinvestigation of the dispute ( s ) below. I am in disagreement with your decision. I requested you provide me the information you used to verify and validate these accounts. How can you decide if these accounts are accurate without an original contract with my signature? This account can not be validated in accordance with the Fair Debt Collections Practice Act. Also, this accounts could not be verified nor validated with XXXX, they deleted it from my credit report. If this account is from the same creditor how are you able to verify and validate information that the other bureaus could not? By Federal law these accounts should be reporting consistent across all three bureaus, which it is NOT. Proof you have NOT done a proper investigation, FAILED to protect my consumer rights. You refused to correct this information which is a direct violation of FCRA 15 U.S.C 1681.You have violated my consumer rights.

According to Fair Credit Reporting Act ( FCRA ), everything on my consumer report/ credit profile must be accurate, and verifiable. If after reinvestigation the item information is found inaccurate or incomplete or can not be verified the consumer reporting agency must DELETE the item.
Product: Vehicle loan or lease

Initially, in XXXX of this year, I tried to be proactive and get help before falling behind ( separation, job circumstances ). No help was given at that time. I then fell behind and made payments as much as I could to catch up and requested from XXXX until now for an extension. 

In XXXX I was told I could receive one if I made over XXXX dollars in one month. I was not able to do so. 

I have since moved out of my apartment and into a smaller place to catch up. 


Two different departments have told me two different things as far as catching up. 

These people scream at you, don't take accountability for misinformation and threatned to reposses your car. It is so horrible to experience. 

I am so disappointed in this company and how they treat their customers. 

I've had no COVID help after almost a year of leasing to own this car.
Product: Vehicle loan or lease

This car in my name as my ex husband and we couldn't afford it because the motor went out and the company credit acceptance said they said our insurance doesn't cover out motor and the payment was high and they reported on my credit like I still got the car every month so my credit will not go up because of it
Product: Mortgage

incorrect about my escrow going up my home owner insurance is XXXX a year and my county taxes with school taxes included are XXXX ... this company has over charged my escrow for yrs and then they ( Owen loan servicing ) sent me recently a check of XXXX in which they say that they owed me since 2 years back that money. the reason they sent that check is when I told them that I was tired of what they were doing to me and that I was going to report them with consumer finance protection bureau that's when I received that check. We purchased our home XX/XX/XXXX with XXXX XXXX XXXX in which that company went under XX/XX/XXXX and then Owen loan servicing came in to be the mortgagor. I have been paying my home since XX/XX/XXXXit is all recorded in XXXX county and in XX/XX/XXXX Owen loan servicing started collecting payment of the same loan
Product: Credit reporting or other personal consumer reports

- XXXX XXXX XXXX XXXX For collections of $ XXXX XX/XX/year> - Online Information XXXX For XXXX of {$1800.00} Filed a dispute then XXXX claimed to have done an investigation with out providing me with the following Chain of Title, Date of 1st Delinquency, or the Date of the Last Payment on any of the above collections Equifax- for Online Collection XXXX For collections of {$1800.00}, I disputed information and the credit reporting agency has not provide me with the following Chain of Title, Date of Delinquency, or the Date of the Last Payment TransUnion- for XXXX- For collections {$590.00}, I disputed the collection and the reporting agency has not provided me with the following Chain Of Title, Date of Delinquency, or Date of Last Payment And I Used the Fair Credit Reporting Act to let XXXX, XXXX, and TransUnion know that's this went against the laws provided in the FCRA and using I even got in touch with them on several occasions to resolve the inaccurate information using various Codes such As ; 15 USC 1681, 15 USC 1681 ( i ), 15 USC 1692 ( c ), 15 USC 1692 ( c ) ( 2 ), 15 USC 1681 ( e ), 15 USC 1692 K
Product: Credit reporting, credit repair services, or other personal consumer reports

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 group # XXXX
Product: Bank account or service

Early warning is reporting inaccurate information to banks that is preventing me from opening a checking account. I have tried to dispute this inaccurate reporting and have not receive any type of correspondence from EWS. This information is from XXXX fraudulently and vindictively closing my account. EWS has now participated along with sun trust Bank by damaging my banking history, causing me embarrassment, and causing me to now have pay extra money to cash my checks, get money, or pay wire fees because I can not open an account. EWS fail to investigate the validity of XXXX reporting the false and defaming information.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify these accounts XXXX XXXX XXXX. It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My mother took my son XXXX XXXX on XXXX XXXX 2013 and provided XXXX XXXX Hospital with his Medicaid XXXX card member id # XXXX. The hospital was paid but the dr 's office XXXX XXXX was not and never received any bills from them. I had this account removed from my credit report last year because per Florida Medicaid law when a recipient has Medicaid and provide the hospital with their insurance card they are not liable for any hospital bills from the visit. Per Medicaid they can send the bill for payment
Product: Credit reporting or other personal consumer reports

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 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 ) Section states 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 or other personal consumer reports

On or about the dates of XX/XX/XXXX and XX/XX/XXXX, I have submitted a formal correspondence to your agency concerning a discrepancy found in my credit report. Specifically, I requested the removal of the incorrect entry associated with my accounts labeled below. In response, you asserted the verification of these accounts. Pursuant to the tax principles laid down by the Internal Revenue Service, a charge is deemed to constitute income. It has come to my attention that no Form 1099-C, or Cancellation of Debt, has been furnished by the aforementioned creditor, despite the apparent discharge or forgiveness of debt which should have been reported. Furthermore, it is imperative to acknowledge the legislative mandate set forth by Congress stipulating that personal income is not to be reflected in consumer credit reports. Specifically, under Title 15 of the United States Code, Section 1681a ( 2 ) ( a ) ( i ), it is proscribed that no consumer credit report shall include information related to transactions or experiences that would equate to the reporting of income. Remove these account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$750.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$520.00}, XXXX. XXXX, XXXX Account # XXXX date opened XX/XX/XXXX bal. {$510.00}, XXXX  XXXX  XXXX  Account XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. Inquiries : XXXX, XXXX, XXXX XXXX Bank. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working with them to remove a 30 day late that is on my account. The banks dashboard was being updated and I did not want to be outside because of covid so when I paid them XXXX XXXX XXXX said they would refund me my late fee and take care of the 30 day late. XXXX did refund me the late fee but the 30 day late is still showing up on my credit reports. XXXX XXXX XXXX told me to dispute with Transunion, XXXX and XXXX and then they would remove it. I have done this about 7 times and they keep saying it's being verified but XXXX XXXX XXXX says they are not verifying the 30 day late. I have even written a letter to the XXXX XXXX XXXX about this issue. The 30 day late is on XX/XX/2022 2022
Product: Credit reporting or other personal consumer reports

I have submitted documents proving that the account from XXXX XXXX, along with XXXXXXXX XXXX, and XXXX XXXX was all fraudulent account Ive submitted identity theft report and a police report and the accounts are still on my credit report
Product: Debt collection

XXXX XXXX XXXX Account starting number XXXX opened XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX account starting numbers XXXX opened XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX XXXX Account starting numbers XXXX opened XX/XX/XXXX. All this account XXXX not mine it is opend by somebody who stole my identity and used to get cards and loans. XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX account starting numbers XXXX opened XXXX XXXX XXXX XXXX  account starting numbers XXXX opened XXXX XXXX XXXX XXXX account starting numbers XXXX opened XXXX  I dont have contract with this Agencies they did not provide me with original contract as i requested.