23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The CFPB has jurisdiction over this isssue because as a consumer I have been victimized by unfair, deceptive, and misleading practices by the bank where I Have been a loyal and responsible user, discriminating against me unfairly and without good cause. Therefore, I am protesting the wrongful and unlawful closure of my credit card ending in XXXX that was NEVER DELINQUENT. 

1. I opened this credit card around XX/XX/XXXX and was NEVER DELINQUENT, as you can see by my credit report this card was never 30 days late, etc. because I managed this debt responsibly. I am XXXX due to XXXX, and I require this card to make medical purchases. 

2. On or around XX/XX/XXXX my card was lost and I contacted BBVA Compass Bank to request a replacement be mailed to me. 

3. While waiting for the card to arrive, I paid the card in person at the branch. I was informed at the branch the replacement card was on the way. I was never informed by the branch this card was closed, and I had no reason to believe my account was closed. 

4. After waiting for months for my replacement card, I checked the status online : As of today online the account shows available credit of {$490.00} ( Exhibit 1 ), 5. Also, because I have still not received my BBVA Compass Bank credit card, I phoned in to Compass Bank, and was informed today that my account was closed because it was late, which is why I was not issued a replacement credit card.

5. Compass bank is misleading me by violating Regulation Z Truth in lending by stating to me the account is closed yet reporting an available credit for this account online. I never received a notice this account was closed, nor did i have the option to dispute this, and I would not have suspected this account was closed because the website states an available balance. 

6. To investigate this matter I went to the added expense of pulling my credit, and was surprised to find out from my credit report that this account was closed despite the fact that the credit reporting shows it is never late ( Exhibit 2 )
Product: Credit reporting or other personal consumer reports

Opened XXXX Amount of {$770.00} Collections : Account Number # XXXX I want all of my unauthorized derogatory remarks, removed. This account falls under the statute of limitations or is misreporting on my credit report. 

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.

2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a credit building service with MoneyLion. They put {$1000.00} into a reserve fund and I never received the money. I was told that I would make increment payments towards the balance at {$22.00} a week plus {$4.00} service fee a month. After approximately 5 installments paid, I informed them that I no longer wanted the credit building or Money Plus line. To date they have not contacted me or allowed me to close the account, however, on XX/XX/XXXX my credit score on all 3 bureaus dropped XXXX points because of a derogatory remark from MoneyLion ( please see below ). I do not owe them the money because I never received it. I do not want their services, but they refuse to help me cancel my account. 

MONEYLION INC has flagged your account as 30 Days Past Due on XX/XX/2022. 

Source : XXXX XXXX : MONEYLION INC Address : XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2022 Balance : {$900.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try XXXX XXXX to raise your XXXX  Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I went to www.chase.com/prequalified to see if I qualified for the Chase Ink Card. The site specifically says that " the process of checking to see if I have an offer will not affect my credit score. '' ( Please see attachment ) I followed the prompts and my credit was pulled lowering my score on XXXX and XXXX by 8pts ( please see attachment ). I attempted to call Chase to get this matter resolved and was initially told that the URL I was referring to didn't exist. When I finally directed them to the specific URL on their website they then told me that I misunderstood the process. I notified them that I had successfully done the process on their website a month prior when I was approved for another card and that I was in fact very familiar with the process. At this point, they said they were going to forward me to a supervisor but instead sent me to a fax line. This has had a detrimental impact on my credit and I want the inquiry removed immediately.
Product: Money transfer, virtual currency, or money service

PayPal user XXXX XXXX contacted PayPal customer service today ( XX/XX/2023 ) with regards to this money, which was put into a holding account. According to customer service on XX/XX/2023, the money was put into this account because XXXX violated the user agreement. I was informed that I should be receiving a refund for the failed transaction, however, XXXX now informed me that I will no longer be getting this refund, according to PayPal customer service representative, XXXX. I would like PayPal Holdings , Inc. to be held accountable for committing the federal criminal offense of fraud, and to receive a full refund for the transaction that took place on XX/XX/2023, for {$1100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft for over 2 decades. When my wife passed away in 2009 its when I discovered that I had been the victim. I have been working with the 3 major credit bureaus as well as some secondary ones for the whole time I've been aware of my being victimized by identity thieves. Right now experian is breaking the law : section 605B of the FCRA. They are interpreting that law to harm the victims and aid in keeping fraudulent information on credit files.

Inquiries are fraud and they do not obey the law in removing fraudulent inquiries. 4 business days they are to remove the faud and they do not. They are accusing me of lying and saying that I provided material misrepresentations but I tried to tell them that they have to get facts they have to talk to the other party they can't just make that determination on their own because the law does not allow that. That they are arrogantly believing that and harming me in the mean time because I've asked them to call and they have not they have not done any investigation.
Product: Debt collection

A debt collector, Genpact, LLC, contacted me in XXXX, XXXX, stating that I owed my former health insurance provider more than {$1600.00} for pharmacy claims that were submitted to the carrier - and for which the carrier paid - more than 30 days after the policy had been terminated. I had never been contacted by their client - the health insurance company - about this debt and the collector contacted me almost a year after the policy had been terminated. I sent a letter to the collector within the 30 days of receiving their letter, disputing the debt. I told them it was not my fault that the insurance company made an error and paid money on claims more than 30 days after the policy had been terminated. I requested the collector to provide written proof that I was financially responsible for this debt. The debt collector called me in XXXX XXXX and stated that they received " proof '' that the debt was mine. The " proof '' they received was a phone call from their client, asserting the debt was valid and belonged to me. I told the collector this was not acceptable and that the law requires them to provide proof that the debt belongs to me in writing. I then filed a complaint with the California XXXX XXXX 's office, asking them to investigate this debt because it seems illogical that the carrier could accept and pay claims on a terminated policy and then try to collect the money from me almost a year later. The XXXX XXXX 's office opened an investigation. Immediately after this phone call, I sent a new letter to Genpact, LLC, informing them of this and stating once again that I dispute the debt. Two weeks later, the collector sent me the same letter they originally sent to me in XXXX XXXX, with no additional proof of any kind that the debt belongs to me. I feel they can not obtain proof from their client that the debt is valid and they are harassing me.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

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 XXXXXX/XX/year>
Product: Credit card or prepaid card

On XXXXX-2017 Bank of America charged me an interest fee of {$11.00} after i had already initiated a balance transfer but was delayed since bank of America refused to provide me information XXXX XXXX bank needed. I called Bank of America and the respresntatives said he could not provide me the informatiom but suggested i go online. I did go ahead and process the balance transfer but took longer than expected due to Bank of America 's lack of assistance to work with a nearly 3 year customer.
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. 

FOR EQUIFAX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Are their bar members involved with the financial institutions known as consumer reporting agencies? Everyday identity theft is done by employees of the consumer reporting agencies that are in fact financial institutions because those employees illegal tender, transfer and pass off social security numbers for payment yet the consumers who are injured financially from such negligence along with their personal and professional reputation by way of private consumer transactions being reported with that Man or Woman authorization, written consent or permission to do. These crimes involves money laundering, unlawful racketeering, fraud, divest, barbarism, besmirch, bank fraud, trust fraud, interstate commerce without no contracts being tied to a Man as a protected consumer, securities fraud, constructive and fiduciary fraud by trustees acting as beneficiaries and administrators with express contracts in place.

Eye would like the names of the bar members so that I can prepare bar grievances to be filed immediately!
Product: Mortgage

On XXXX XXXX XXXX  I emailed my loan officer XXXX XXXX with Cross Country Mortgage, requesting to have SCRA benefits applied to my loan. XXXX replied via email instructing me to sign the loan documents and that he would look into my request to have my SCRA benefits applied. Then on XXXX XXXX XXXXXX/XX/year>, I emailed XXXX XXXX, again requesting SCRA be applied to my loan with Cross Country and included another copy of my orders. XXXX then replied that he is unsure what it is that I am requesting and that I would need to go through loan servicing. I then emailed the loan servicing department requesting SCRA be applied and included my XXXX XXXX in the email and they have not responded. In addition to these emailed requests, I have called their customer service department on several occasions requesting to speak with someone regarding SCRA protections and their customer service team stated that they could submit a request for someone to call me back. I have received XXXX communication or help from Cross Country regarding this matter.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX XXXX XXXX did in fact log into my Western Union account to send a transaction to one XXXX XXXX XXXX who I have sent transactions to before and it was cancelled and they stated it was due to a business decision. This transaction was for {$500.00} or {$600.00} it was around XX/XX/XXXX - XX/XX/XXXX. The company told me I would receive refund no later than XX/XX/2019 however I yet to receive the refund. They also failed to activate a Western Union Net Send card and have yet to return {$25.00} deposit in the form of a check. The also envaded my privacy by asking me some very private questions. They then told me two days it should be refunded in 25 hours and now I'm being told to send a copy of my bank statement. This has really affected my life and would like to press charges if possible and sue if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance both the four credit reporting at the list of accounts below has violated my federally protected consumers rights to privacy and confidentiality under 15 US C 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX  # XXXX, has violated my rights. 
15 USC 1681 section 602A. states : I have the right to privacy 15 USC 1681 section 604A. states : a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 section C ( a ) ( 5 ) states : no, consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than the records of conviction of crimes with antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable calls to believe that the information is inaccurate.
Product: Mortgage

Primary Residential Mortgage Inc is in Breach of contract.

ATTENTION : DEED OF DISSOLUTION OF SERCURITY DEED BY GRANTOR FOR LACK OF EXECUTION BY BENEFICIARY. 

Please see attachment for lawful order. 

Thanks in advance! 
XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper is a brand name for Nationstar Mortgage LLC. 
Loan # XXXX Paying {$720.00} for two decades Missed insurance payments for the months of XXXX & XXXX Mr. Cooper informed me that they would gladly pay my home insurance for me for a meager $ XXXX per year. 

Insurance was paid in advance for the full year XXXX of XXXX. $ XXXX Mortgage records did not reflect my payments, Hence I called Mr. Cooper on 2 occasions during the month of XXXX. I was informed that the corrections would be made on the next statement. 

Corrections were never made, I was submitted to an escrow account during the summer of XXXX, Meanwhile, I continued paying {$720.00} until the month of XX/XX/XXXX! 

During the last and the Month of XXXX, I spoke with Mr. Cooper concerning a letter about insurance being escrowed. It didn't seem fair that I had to escrowed when the account was paid in full.

In Sum, Mr. Cooper knocked on my door to start foreclosure procedures, I imagine. 

XXXX XXXX XXXX In any event, I spoke with the escrow department and thought it would be to my best interest to straighten this mess out! At the time, I was trying to refinance my home and was rejected by XXXX XXXX XXXX, that receives my payment on a monthly basis. 

I spoke with the young lady to explain the delayed letter which did not account for the fact that I payed over $ XXXX on the XXXX of XXXX. 

The purpose of this call was to explain the unjust late fee 's, penalties, and possible damage to credit report due to an 'delinquent account ' As we speak the account has been brought up to date! 

{$850.00} for XXXX. 
{$850.00} for XXXX. 
{$850.00} for XXXX. 

subtract {$720.00} credited because full escrow payment was not met. 

{$25.00} dollars was added in penalties due to a stop check I implemented when I was informed that I had to be escrowed due to the fact I was late on payment during the previous year. 

It just didn't make sense, it felt like I was being charged twice, so I kept at it! 

A three way conversation between myself, Mr. Cooper, and XXXX ( Home Insurance Provider ) was enacted on the XXXX of XXXX which confirmed my thoughts : Mr. Cooper should have forwarded XXXX, $ XXXX once they decided to escrow my account. 

Hence, I was deprived of $ XXXX during the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

Now they quadrupled my Insurance and I ended up being accountable for $ XXXX for the months of XXXX, XXXX, and XXXX! 


If the procedure would have went through the proper channels, I would have have received $ XXXX from my Insurance Co. way back in XXXX!!!!!!! 

Instead, I should be receiving a check within the next two weeks, hopefully before my next escrow payment of x number of dollars. 

The above was meant to be in chronological format, to show Mr. Coopers negligence by not forwarding the {$1.00} to the Insurance Co., which in return would have forwarded me the funds that I'm  waiting on this very minute! 

Any further questions don't hesitate to contact me! 

Thanks In Advance!
Product: Checking or savings account

Hi, I opened Citi XXXX savings account and deposited around XXXX. Out of that I transfered around XXXX later to my wife. Citi tagged is as fraud even though i called multiple times that this is a valid transaction.They blocked my account and XXXX in it. Now they wanted me to add my wife to the account to clear this. I said ok. They dont have a clear process and after multiple hourly calls of waiting and transfers they said you have to go to a bank near you. The nearest bank is XXXX hrs of flight. So this is not an option. I told them to close my account and return my money back. They said yes and we started the process we will refund you in 4-5 business days. Its 3 weeks now and multipole calls noone knows anything and they restarted the same closure process multiple times from scratch. I am running out of my money and had to take a heloc on my house to cover my expenses. I request your help to get my XXXX back from citi including interest and also a compensation to cover all the expenses I had to make to borrow the money from other bank. They are sitting on my money for no reason. Its been almost 2 months this is not going anywhere. I made atleast 25 calls and waited more than 30-40 mins each call.
Product: Debt collection

This company has done nothing but harass me over a debt with XXXX they believe I owe. I got a new XXXX, had the plan for a month and got the shut off email ( which I still have and will attach- notice the year, its XXXX  ). One month of service with XXXX just wasnt affordable for me and I closed the account. I got countless intimidating letters from attorneys threatening to sue me. Ive been dealing with this company textbook harassing me but now this, its just the straw that broke the camels back. They put actual lies on my credit report, under MY name. All of a sudden the account is open? HOW MANY TIMES DO I HAVE TO CLOSE IT. Not to mention its a completely different year as well. I have disputed this collection on my credit report so many times and I know Im not being treated fairly- nothing is being done. I refuse to sit here and let this bully of a company put literal lies about me. Also shame on XXXX and XXXX, who couldnt investigate this effectively the first time. The bottom line is they turned my service off a month after I got the plan and continued to charge me month after month for service I was not receiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Checking or savings account

I have been charged overdraft fees by Wells Fargo since 2011 and I want to know if they were all XXXX XXXX or a company error.
Product: Student loan

I signed up for autopay with EdFinancial in XXXX. On XX/XX/XXXX I received an email confirming their receipt of my request and that the effective date would be XX/XX/28. Now in XXXX I'm receiving past due notices for the XX/XX/28 payment. I logged in and there was no auto pay set up. Instead their website is encouraging me to sign up. I googled the problem and found out on XXXX that lots of people are having my same issue with conflicting information. Tonight I called Edfinancial and the CSR told me that they are " aware of the problem '' " working on it '' and gave me an estimated resolution date of " XXXX ''. However they could not explain why it was happening nor why they are still advertising the program without any warning to customers that the program isn't working and that they may find themselves defaulting on a payment. Nor could the CSR confirm whether the interest discount they advertise for signing up would be retroactive back to my initial application. So I have to make manual payments at the full interest rate instead of the auto pay reduced rate despite accepting their auto pay offer nearly two months ago.