23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

The Company Coinbase Has Been Holding My Money For About 3 Weeks. 
I Have Been Trying to get a hold of it and does not seem to work. I emailed them. no response. called them. no response. I am now reaching out to you guys because they refuse to give me access to my personal account. please help
Product: Credit card or prepaid card

Dear Sir or Madam, I applied for  a Citi / AAdvantage Platinum Select World EliteTM Mastercard credit card (    XXXX   XXXX   XXXX   ). If I spent {$1000.00} in 3 months, I would receive  XXXX  AA miles. I did follow the requirements but I did not receive the miles.   XXXX  I would really appreciate if you can help me get my miles back.   XXXX  Thank you  XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I initiated a balance transfer from Capital One to XXXX in the amount of {$1000.00}. However, a mistake was made by XXXX or myself, I'm not sure, and another transfer was sent from Capital One to XXXX in the amount of {$3600.00}. This transfer was intended for my XXXX card. Capital One accepted both transfers and I ended up with a credit of {$3600.00} and a {$0.00} balance on a credit card that only had a limit of {$1000.00}. I contacted Capital One to ask them what happened, why would they accept an overpayment by almost 4 times the credit limit and what could we do to remedy the situation. She said they would have to cut me a check for the overage which I said was fine. A few days later my account was 100 % restricted and now being investigated by their fraud team. They told me they needed my ID and proof that the payment came from me which I did the same day I received the email. They wanted a copy of my statement proving the payment. However, since the payment was so recent, it wasn't showing up on my statement yet so I sent them a screenshot of my account showing both payments : {$1000.00} and {$3600.00}. Days passed and I didn't hear anything and my account was still restricted. I called them back which they then told me they wouldn't accept the screenshot. I had no other way to prove the payment came from me until my statement came out. As soon as I received my statement showing the payments, I sent it to Capital One. Again, I heard nothing back from them so I called. I was told the statement wasn't good enough because it didn't show my account number. I asked if I could send a photo of the front and back of my credit card in which the payment originated. He said yes and this would be the last time I would need to contact them. It's 4 days later and the account remains the same. I called again today and I was told it would take ANOTHER 7-10 DAYS to review my account. 

This is positively ABSURD. Capital One received the payment from my other credit card XXXX. I've sent them AMPLE information to prove this payment came from me which is also ABSURD. I don't care about my account with Capital One. As soon as this is resolved I'm closing my account and putting them on full blast on social media and anyone else I can affect their business with the truth of my experience. What I want is MY MONEY BACK. They owe me {$2600.00}!!! That money was intended to pay off another credit card and because they are holding it without cause, I am now paying interest on that money. I've done everything they've asked me to, the same day they ask me. NOBODY has reached out to try to resolve this situation, it's me reaching out to them a minimum of XXXX times. What they are doing should be illegal and they should be charged with a crime. 

Please help, XXXX XXXX
Product: Mortgage

My problems and issue began immediately after my closing date. Rocket Mortgage along with my home owners insurance, XXXX, set my mortgage payments and escrow. Eight months after making payments, rocket mortgage ran an escrow analysis claiming I had a shortage of {$1800.00}. After further investigation, I found that my home insurance increased {$20.00} per month, however there was no change to my property taxes. 
I fought this escrow claim and asked Rocket Mortgage to look into it, they claimed everything looked well in their system. To date I paid between $ XXXX {$3200.00} to rocket mortgage and they refuse to assist with this matter. I canceled my insurance through XXXX as they were not helpful. I tried resolving with a supervisor from Rocket Mortgage and this person gave me the same answer and refused to look into my paperwork and/or documentation history.
Product: Consumer Loan

I have had this loan with American Credit Acceptance for over 2 yrs with this company and these people should not be in business AT ALL. Everytime I call I get treated like They are doing me favors just by answering the call they are EXTREMELY RUDE AND NASTY from hello. I set up autopay to avoid having to deal with them and most recently I had my payment scheduled for XXXX and their online auto payment system failed to take the payment from my card and So I went back online on XXXX and scheduled payment for XXXX and their system once AGAIN failed to process my payment knowing that there were funds available in the account I called in first thing on XXXX and first spoke with a rep who got me with a manager named XXXX, she transferred me to XXXX and she transferred me to a XXXX XXXX who claimed she was the highest member of management and every single one of these people REFUSED to help me or even take a look at my account to confirm exactly what I was saying these people are con artists and do nothing in the best interest of the customer. I finally spoke with a XXXX who claimed he was a department manager and he would take care of the late fee as a " courtesy '' I advised him theres no courtesy that hes doing, his company billed me incorrectly and thats the bottom line and once I threatened to file a complaint with the CFPB and make them aware of the ongoing issues with this company then things changed on the call. It should n't have to come to this point to get a respectful response from these people who I have to pay each month. I am fed up with American Credit Acceptance and they should be out of business with these business practices immediately if not sooner. I will not cease until something is done about this and this company is investigated because I KNOW other consumers who deal with these clowns have had similar if not worse interactions with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this CLIENT NAME without any influence and this is not a third party. 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 XX/XX/XXXX {$0.00} XXXX XXXX  XXXX XX/XX/XXXX {$590.00} XXXX XXXX XX/XX/XXXX {$6500.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$650.00} 15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years. 

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ks XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. You can not report an account that you have no legal right to collect because, I do not have a verbal or original written contact with my signature, stating you have the right to collect. I have enclosed a snapshot of my credit report showing the reporting.

Delete per violation, cause you have no legal right to collect because you do not have no original contract on file with my bearing my signature and please do not reply with a copy of an driver license, copies of credit card statements, or copies of papers from third party carrier, as this do not validate the right to collect and will not hold up in court. 

I do not have a written, or verbal contract agreement with your company. I did not sign a contact with your company to collect a debt.

Based on US contact law, I should only pay the original company and do not have to pay the collection agency. 

By law you must delete this inaccurate account from my credit reports because you have no legal right to collect. Please note, I will seek legal action for defamation, which is hurting my financial situation and causing me pain and suffering, this reporting as cause me to be denied of funding. For your records and proof, I have enclosed a copy of the credit reporting.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting. I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely. It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report. I authorize you to mail me physical documentation of your actions and my updated credit report. The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. 

Below is a summary of the data in which I am challenging Summary of Accounts being challenged in list form 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 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
Product: Student loan

They are saying that I am a co signor of these accounts when I have never co signed it is possible someone used my Information in a fraudulent manner. I have disputed this with all XXXX  credit bureaus, XXXX came back saying it still belongs to me but have not provided me Information or proof that this belongs to me. It is affecting my account negatively due to it being tied to my credit.
Product: Vehicle loan or lease

I sent the payoff to Toyota Financial Services over a month prior to the payoff amount date being due - they acknowledge they received payment over 2 weeks ago. They refuse to update the amount online. 

Payoff amount sent XX/XX/16 - claimed to be received by TFS on XXXX and now they are refusing to update the account. 

They are holding me XXXX. 

The amount was for XXXX est.
Product: Money transfer, virtual currency, or money service

Id like to file a complaint against cashapp due to inadequate customer service and unfair practices.which violates the consumer financial protection act.specifically cashapp failed to take timely and affective measures to prevent and address fraud on there platform leaving my account valuable and unprotected. Efta and regulation e also was violated .these actions has caused a significant amount of financial loss. And I seek appropriate redress for these violations.
Product: Credit card or prepaid card

XXXX XXXX appears to be scamming consumers to collect 26.99 % interest on XXXX store card balances. On my XX/XX/XXXX statement, there were {$260.00} in new purchases, no interest charges, with a total balance of {$550.00}. The rest of the total balance falls under a 0 % financing offer through XX/XX/XXXX. There is no specified minimum payment associated with the 0 % balance. I paid {$270.00}, which is reflected on my XX/XX/XXXX statement. Synchrony arbitrarily decides not to apply {$92.00} of that to pay off the prior month purchases and instead begins charging XXXX interest on it. I call them immediately upon receipt of the statement and they say they will credit back the {$2.00} in interest charged. I told them this is not acceptable as the entire fix, the entire unpaid balance is 0 % until XX/XX/XXXX. I am told customers have to go onto their website and allocate payments. Again, I told them not acceptable, who has time to do that for 20+ bills paid per month? Asked them have a supervisor review my account, make sure this does not happen again, and told them I will make a CFPB complaint if it does. Sure enough, received statement dated XX/XX/XXXX today and the problem is only worse. New purchases of {$140.00} should have been covered by my {$150.00} payment. Instead the unpaid purchases balance is now {$400.00} with {$9.00} interest charged. This type of gross misapplication of payment could quickly cost consumers billions of dollars.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent XXXX a certified letter to send me the proof they have for account # XXXX which they failed to do by sending me an email saying it was verified and accurate. without showing or telling me how. Which I asked in my letter and which is my right to receive. 

In accordance with the Fair Credit certerfied act 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 a account without my written instructions
Product: Debt collection

I called on XX/XX/2016 at XXXX. Montana time, XXXX eastern time. 
XXXX Operator ID # XXXX was argumentive, refused to send a copy of the alleged judgement or garnishment. ID # XXXX implied that I have no rights to compel them to send any legal documents verifying that they have a valid judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX account listed twice on my credit file and it should only be listed once. I have tried to fix this on several occasions but Equifax and XXXX are not doing their due diligence and actually look at what they are listing. It's the same exact open date, high credit, report date, sold to company EVERYTHING. The account needs to be removed. This is absolutely insane.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I called a representative kindly agreed to have this late payment removed from my account now that it has been paid in full and I have since been on time with all recent payments. XXXX XXXX  ACCOUNT # XXXX Pursuant XXXX5 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) The report contains information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! 
A Late payment is a transactional history, My HISTORY with your company. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

THE COMPANY HAS VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  UNIV Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX SERVICE Date of inquiry : XX/XX/XXXX ; XXXX XXXX SER Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry : XX/XX/XXXX ; US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX/XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX ; XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX  XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage through Wells Fargo for the last 10 years and I originally got my mortgage through them and did not refinance with another company because I know that Wells Fargo allows investors to access equity on investment properties through a HELOC. I have called several times throughout the life of the loan to make sure that the company 's policy has not changed and that this HELOC is still available to me. I was told that yes the HELOC is available and that I would not have a problem being approved since my personal income is so high and since I have postive cash flow. Due to the recent pandemic I had a need to access this money and so I submitted an application for the HELOC on XX/XX/XXXX. 

I was informed in XX/XX/XXXX that the company is no longer accepting HELOC applications and subsequently that my HELOC was not approved. They denied my HELOC with the premise that my debt to income ratio was too high. I questioned this since I own three properties and all of them have positive cash flow and and they told me that it was because they did not cont my rental income in their decision. I also informed them that I have gotten married since originally taking out the mortgage and that my wife actually makes more money than I do so my household income has more than doubled. In addition we live in one of my apartments we live rent free and have {$120.00} of positive income. I also informed them that the property that I have has less than {$5000.00} on the property that I will be taking the HELOC and that I would be using part of the HELOC to finish paying the mortgage. The rent minus expenses will be bringing in around {$900.00} and my HELOC would be around $ XXXX/month if I utilize all of the money available to me. 

I was then asked to provide a breakdown of my rental income vs expenses and I wrote the letter that I have provided for you in a separate file which outlines exactly what the cash flow is for these properties. After a lengthy review process where it doesn't seem like any of the information I was asked to provide was considered in my application they again denied my request today XX/XX/XXXX. They once again stated that my debt to income was not sufficient enough to warrant approving my HELOC. I tried to reason with the bank representative XXXX who kept giving me the same answer ( that my debt to income was not sufficient ) not really refuting what I was telling him or thoroughly explaining why my positive rental income was not enough to cover all of my expenses. I need this money and I was under the impression that it would be available to me when I requested it. I believe that the fact that I was denied after being assured that not only was a HELOC available to me but that my income was more than sufficient to cover the expenses is unethical and very poor business practice.
Product: Debt collection

I received a collections letter from Weltman Weinberg & Reis CO LPA for the amount of {$6300.00}. I realized this is the office of an attorney and per the Fair Debt Collections Practices Act, 15 U.S.C. 1692e ( 3 ) a debt collector can't give the false presentation or implication that they are an attorney. The letter states " an attorney '' did not take part in the collections attempt but when I reviewed the secretary of state ( Ohio ) website, the company is registered as an attorney. There is no way to confirm if an attorney wrote the communication or not. I sent a letter dated XX/XX/2021 and the office received my letter on XX/XX/2021 as confirmed by certified mail USPS. The law office has not responded.