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

I received a check from my property management company on XX/XX/23 I did a mobile deposit via the Chime app. Chime deposited the check but held the funds and did not make them available. On XX/XX/23 I got a email stating the check was returned on XX/XX/23 due to stop payment. I verified with the issuing bank XXXX XXXX XXXX their was not a stop payment on the check it was a issue of the positive pay being done. Since i knew they check was good i tried depositing it into my XXXX XXXX Bank account XX/XX/23. The following week on XX/XX/23 XXXX XXXX advised me the check had already be deposited. I called the property management company as well as went to a XXXX bank location and was advised from both that they check shows it was deposited and has not been returned. I was givine a document showing proof it was deposited from XXXX. Chime has not shown any proof this payment was returned. They stated it had to be mailed and would take XXXX business day but i stil have gotten anything. The email support they have have not been helpful at all. They have not shown me any proof the check was return or even what account it was shown to they should be able To show me something just like XXXX did proving it was returned & showing the account it was returned to to verify it was returned that said XXXX account. Also the return transaction has disappear all together from my account which is very suspicious because why can i no longer see the returned check transaction on XX/XX/23 it like it was done purposely. The money was to help me move in my new place & i feel like money was stolen or it was return to the incorrect account or has been returned like they said. Because if it was returned XXXX should be able to verify it was returned. I need assistance with getting Chime to return the check to XXXX or prove they did already.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for this account : XXXX XXXX XXXX : {$27000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX XXXX  and XXXX credit report reveals that a fraudulent application was submitted TO Sterling Jewelers with his information that resulted in an inquiry XX/XX/XXXX that he did not authorize. An official dispute of this fraudulent inquiry was submitted to Sterling XX/XX/XXXX however a current credit report still shows the fraudulent data is still being reported which is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from XXXX  XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.
Product: Credit card or prepaid card

Capital one credit card charges the customer a {$40.00} late fee if the payment isn't made by a specific time on your bill due date. When I call them their customer service agents are very rude and unprofessional ignorant individuals who claim there is nothing they can do. Who is this company to tell a customer what time of day to pay their bil?? I believe these charges are not legal and hope a resolution can occur.
Product: Credit card or prepaid card

Two  months ago I found out that there was a Wells Fargo credit card in my name with an approximately {$2000.00} balance. I contacted them. I was told a case would be put in place, no one ever responded. A month later I contacted them again. I was told that this was a card that was transferred to Wells Fargo from a company called XXXX XXXX XXXX. I explained that the balance on my XXXX XXXX XXXX  was approximately {$200.00}!!!! They told me I had no recourse. I complained. My case was transferred to the Executive Offices and given to a representative named XXXX XXXX at XXXX. I began to call XXXX XXXX every day for over 10 days, the last few days I called her a couple of times each day. She never called me. She sent me an email in a private message area of their bank and said that I did in fact owe this money along with all fees, interest and missed payments. If I HAD NO IDEA I had an account with this bank HOW CAN THEY CHARGE ME FEES @!!!! In that letter is sounds like she refuses to budge on her statements. At the same time, she did not address ANY of my issues at all and just said " this is your balance '' basically. Further, I have sent emails, contact us things and even chatted with people on XXXX XXXX. I have begged for a phone call back from someone. To date, no phone call from anyone. This is absolutely 100 % WRONG! And, not only did I beg her to help me by transferring this inaccurate balance into a GL account at the bank until they can figure it out. I also begged her to not charge me any more fees and that I am in the process of buying a house so negative anything on my credit report is a huge problem. She refused to address any of this! Just FYI, when I called the customer service folks, they confirmed for me that they have heard these horror stories from other XXXXXXXX XXXX customers. There was a lack of communication and many many problems. At this point in time, because of Wells complete and utter lack of concern for the customer, I will not be paying any of this card UNTIL they fix the balance back to what it was when it was at XXXX which was about {$200.00}. The card is in my married name, I was recently married. It is under the name XXXX XXXX. I have the correct address on this complaint now. For some reason, I created this user ID before I was married for some reason so it shows XXXX XXXX and would like this changed on your site, if possible. The card is in XXXX XXXX.
Product: Mortgage

My mortgage had been in bad standing for several months due to some life changing event that included husband being laid off from work, martial separation, and daughter stating school. Green Tree had been contacting me extensively and I kept informing them of my issues at home. At one point I was 2 months behind and a person from Green Tree left a letter on my door asking for me to contact Green Tree. I then contacted them and was informed that I needed to submit a complete package of bills, paystubs, and letter informing them of my recent changed. I then called to follow up with Loss Mitigations and was informed that my case could not get reviewed until my account was current. I would ask for the Loss Mitigations phone number and was informed that they could not speak to me until my account was current. I then took a loan out in order to may my account current and not get forclosed as I was told by Green Tree and then called back once again to see about my Loss Mitigations case and was told that it was closed and could no longer be reviewed because my mortgage was current. A few months later I called back once again to see about reducing my finance rate and was asked to fax several documents. I had to pay a fax service {$30.00} just to send all of the information needed. I was then informed once again by Green Tree that I did not have any options available.
Product: Credit reporting or other personal consumer reports

I HAVE CALLED SO MANY TIMES TO XXXX EQUIFAX AND XXXX OVER THE PAST SEVERAL MONTHS AND TO NO AVAIL HAVE THEY REMOVED NEGATIVE FRAUD ACCOUNTS ON MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE ACCOUNTS THAT ARE NEGATIVE DUE TO FRAUD ACCOUNT TAKE OVER. WHICH OCCURED DURING THE XXXX PERIOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MY APARTMENT HAD BEEN BROKEN INTO. MY DISPUTES I HAVE MAILED ARE NOT BEING INVESTIGATED PROPERLY OR AT ALL. I AM UPLOADING MY FTC REPORT AND POLICE REPORT AND SOCIAL SECURITY CARD AND STATE ID. IM ALWAYS TOLD I NEED TO SEND THAT INFORMATION IN AND WHEN I DO THEY SAY THEY DIDNT RECEIVE IT OR ITS ALWAYS A PROBLEM OR THAT THE INFORMATION CAME BACK VERIFIED. THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT IS OUTDATED I WAS TOLD BY MY BANKER. WHICH I HAD LONG AGO DISPUTED. PLEASE SEE ENCLOSED COPY. I HAVE CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES REGARDING THIS AND THEY WILL NOT INVESTIGATE THE FRAUD ON MY ACCOUNTS AS WELL AS XXXX XXXX XXXX XXXX.
Product: Debt collection

I 've had multiple problems with this company. The first is that the debt that they have listed on my credit reports is not valid, meaning I never owed  XXXX   XXXX   XXXX  any money. I cancelled my  XXXX   XXXX   XXXX   XXXX  account years ago and there was no money owed on the account when it was closed. The problem is, the agents at  AFNI ( debt collection agency )  refuse to investigate this issue and have only responded to my mail correspondence with form letters. Furthermore, they have " re-aged '' the debt illegally after I 've spoken with a phone agent ( this happen ed on two occasions ). When  I say " re-aged '', I mean that they reset the beginning date that the debt was incurred causing this account to appear on my credit reports much longer than the usual 7 year time frame. My understanding is that a collection agency can only do this if I agree to a payment arrangement ( which I have not ) and then default on said arrangement. The only thing I 've ever told them by mail or over the phone is that this debt is not valid ( not mine ). I 'm getting very frustrated with them and have hired an attorney to try to get them to remove this from my  XXXX  and  XXXX  credit files  (  does n't appear on my  XXXX  report ). I also will no longer call them due to their unscrupulous tactics. I 've uploaded the latest correspondence that I 've received from them which is essentially a form letter. They 've sent me this same letter each time that I 've written them.
Product: Student loan

I suffered a XXXX 8 yrs ago and requested a XXXX discharge from my student debts. Due to an error in the national student debt database, my request was denied. Representatives at the Dept of Ed and Nelnet have explained the root of the data error, but each one has claimed to lack the authority or ability to correct it. Their inaction has cost me $ XXXX+ so far, and I have 13 years left on my loan. 

The representatives say that, when I consolidated my loans with my husband 's, the lump sum was entered into the national database under his name, and my loans were inaccurately marked as " paid in full '' rather than " transferred '' or " consolidated ''. Somehow, when monthly payments are due, the Accounts Payable Dept at Nelnet is still able to track my liability for the consolidated debt. When I request relief, however, the Debt Discharge Dept contends I have no debt from which to be discharged. 

The representatives have explained that, for purposes of discharge, I need to find a member of their staff who has the authority and ability to override the error in the database and recognize the portion of the debt that originated with me. XXXX Dept of Ed Ombudsmen and several Nelnet representatives all claim to lack the authority or ability to execute corrective measures. 

My husband and I have submitted applications for relief due to disability and hardship, on behalf of each of us as individuals and as a couple, to Nelnet and to the Dept of Ed. We 've participated in XXXX appeals through Dept of Ed Ombudsmen, and even though the US Dept of Civil Rights has a webpage dedicated to this issue, our Complaint was rejected based on " lack of jurisdiction ''. 

Where do we turn next? 

We 've been fortunate through all of this, to be able to continue to raise our children and pay our medical bills ; but we had to sell our home of 15 yrs, and our savings are gone. Miraculously, I have healed so substantially that I was able to go back to work this year. Please help me resolve this issue so, at XXXX yrs old, I can gain financial stability and have a fresh start at my new life.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX to XXXX my spouse and I had a small XXXX out of our single dwelling home in XXXX. We formed an LLC and used a po box for It. The po box is still on record as being a residence. Please correct this.
Product: Debt collection

This collection agency is not licensed nor bonded in my state, and is trying to collect a debt
Product: Money transfer, virtual currency, or money service

When attempting to link my PNC Financial Checking account to the XXXX service offered through XXXX I was informed that due to a change by PNC I would not be permitted to do so. I hope that in the future I am able to link and make deposits when I choose into this service. Upon the link request PNC informed me, however, that the accounts had been linked but I received no such verification from XXXX.
Product: Money transfer, virtual currency, or money service

This is a follow up to the following complaint that was closed on XX/XX/year>. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> My personal experience with the last complaint that I submitted was very negative. I went through all the appropriate channels, but no one was able or willing to assist me in any way. I acknowledge that XXXX 's senior management did something on XX/XX/year> to stop the cyber-criminal after I pointed out to them that he created a XXXX ad with their corporate logo to lure additional victims. The next day I noticed that the cyber-criminal 's fake XXXX ad disappeared, his web-site has not been updated since that date, and his fake customer service number now connects people with XXXX 's actual customer service department. 

I have since spent much time educating myself and my family members about financial fraud and scams. I also read numerous articles about people who fell victim to all sorts of scams and fraud. I understand that the problem of scams and fraud is out of control, and many billions of dollars are lost each year to this growing problem. I am also aware that senior citizens are more vulnerable than people of other age groups to falling victim, since they tend to be less educated about cybersecurity. 

The common theme in the stories that I read is that people were scammed or defrauded out of a lot of money since it was taken from them before they knew what was happening or had a chance to react. Subsequently reaching out to law enforcement or their bank 's fraud unit was generally not helpful at all. In the rare instances that the bank was willing to reimburse the victim, the criminal was never apprehended and was emboldened to repeat his crime over and over again. 

The reality is that the only way to stop scams and fraud from happening repeatedly is to simply slow down the movement of money. Imagine how many billions of dollars could be saved each year if banks simply enacted the following control measures to protect their customers from scams and fraud : XXXX. XXXX transfers to new email addresses or mobile phone numbers - automatic 5-day fraud hold with status pending before funds are released 2. Wire transfers - automatic 5-day fraud hold with status pending before funds are released 3. All paper checks - automatic 5-day fraud hold with status pending before funds are released 4. Debit card payments to new recipients - automatic 5-day fraud hold with status pending before funds are released Of course, I acknowledge that there is no way to completely prevent fraud with physical cash, since there is no way to slow down the physical movement of cash. The only way to prevent that type of fraud is to simply eliminate physical cash.
Product: Checking or savings account

Chase bank put my bank accounts on deposit only status an is not giving me any information about why an when I will receive my funds left in the account. This has been since XXXX XXXX per their deposit agreement this is unacceptable please in accordance with all applicable regulations regarding this matter please contact the bank and let them contact me or provide me with written instructions to resolve this matter please I dont have any levies or liens against me or my company associated with the IRS
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. 

Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 or other personal consumer reports

Experian Credit Monitoring sent me a notice that XXXX XXXX XXXX had conducted a credit check on me. I have not had any dealings with XXXX XXXX XXXX. I have contacted XXXX XXXX XXXX and they are investigating. I have contacted Experian and they are removing the credit check. Experian encouraged me to file on the FTC website which has redirected me to this portal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and XXXX and he conducted about 30 loans which all hit my credit file. XXXX ask me about the forgery by XXXX XXXX under complaint XXXX & XXXX ask me about having account information @ Huntington Bank and XXXX XXXX  XXXX  neither have I done mortgage or credit card business with but XXXX XXXX here from XXXX on an XXXX  is an computer professor and stole my identity PLEASE CONDUCT AN INVESTIGATION PROPERTY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX LOAN # XXXX
Product: Debt collection

I had a collection of parking tickets in college, and since my college was being paid with a fund not in my name, the debt was settled in divorce court when my parents divorced in 2013. Since 2013, XXXX XXXX XXXX University has continued to contact me about the debt that has been paid.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Dear Equifax, XXXX, XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

Please verify or remove immediately the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. 

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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

i paid money to someone who i purchased something from and requested a refund when i did not receive my item and they refused i took it upon cash app but they could no longer do anything at that point. i had given {$250.00}. first transaction was XX/XX/year> it was {$25.00} and then i completed the {$50.00} at XXXX that same day. then they requested for me to send {$200.00} which the price increased and i did send it at XXXX that same day. i then communicated that i wanted a refund and the person refused and i got into contact with cashapp and they could not do a single thing. the persons name was XXXX XXXX and user name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Experian and XXXX  requesting that they verify the accuracy of the bankruptcy reported on my credit report and to also provide proof. I received a response from Experian on XX/XX/XXXX stating the company who reported the bankruptcy verified the information is accurate. On XX/XX/XXXX I received a response from XXXX saying the public record item was obtained by local, state and Federal courts third party vendor XXXX XXXX and they verified the item was accurate. I have included a letter from the bankruptcy courts stating they don't report anything to credit bureaus. I have also included proof of a security freeze placed on XX/XX/XXXX from XXXX XXXX. This is the same third party company who verified the bankruptcy to XXXX on XX/XX/XXXX dispute there being a freeze request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 

XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX  and XXXX. Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.