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

My XX/XX/2020 XXXX XXXX statement listed a charge of {$24.00} made by EXPERIAN. I never authorized or knew of any kind of a charge on my XXXX XXXX card from EXPERIAN. I am a XXXX XXXX XXXX veteran and I have had an XXXX XXXX card for years. I never checked by billing statements as closely as I should have. When I contacted XXXX XXXX they admitted it was illegal for someone to use my XXXX XXXX card without my permission but their only advice was for me to contact EXPERIAN. I did some back checking and discovered that I have been paying this monthly {$24.00} charge for years. 
Thank you.
Product: Mortgage

My mortgage was sold to this company in mid XX/XX/XXXX. I received both an email and a print letter from my old mortgage company ensuring me that I would not experience any disruptions in my payment plan. I paid my mortgage on the XXXX of the month with my old servicer. I allowed one week to pass and noticed on XX/XX/XXXX that no payment had been applied to my new Mr. Cooper account, which indicated that a payment was due and would be late the following week. On XX/XX/XXXX I made a payment through their website. On Monday XX/XX/XXXX, two of my full mortgage payments plus additional principal totaling {$1400.00} were deducted from my account. 

My husband called Mr. Cooper immediately on XX/XX/XXXX, explained the situation, and asked what we need to do to have one of the charges reversed. They said that they could not to anything until both payments had posted and to call back. On XX/XX/XXXX after the payments had processed he called back. The Mr. Cooper rep told us that this happened because we have two auto pays set up when it is clear on their website that we have XXXX, but that they could refund one of the charges. My husband, the Mr. Cooper customer service rep, and a rep from my bank got on a conference call. Our bank rep confirmed the account numbers and the duplicate charges. The Mr. Cooper rep assured us that our refund was being processed and we would see it in 24-48 hours. 

After 48 hours had passed, we called back to inquire about why we hadn't seen our refund yet. The person explained that we must have been confused and that our refund was processing but it would actually take three to five business days. 

On the fifth business day since our initial request, we still had no refund so we called again. We spoke to a new representative who told us that no refund was processing on our account and that the person we spoke to the first time made a note on the account but " didn't know what she was doing '' so the process had not even been started. At this new person 's request, my husband went to the bank and got a partial bank statement showing the duplicate charges ( which our bank had already verified on XX/XX/XXXX ). He was instructed to send them in to a generic email address and told that whoever saw them would " know what it was for ''. We were told we would see our refund within two business days. It is now the second day and it is clear that nothing has been initiated on their end. They are holding {$1400.00} of our money hostage despite our multiple attempts to resolve this and complete compliance with their repetitive demands. 

On XX/XX/XXXX I sent the company an email explaining that if my situation was not resolved quickly I would be submitting a complaint to the CFPB. They replied quickly to my email stating that they were sorry for the poor customer service and would be calling me to discuss. They never called so I am submitting this complaint two days later as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Account # XXXX Dear Sir or Madam, In response to a Consumer Finance Protection Bureau complaint, on XX/XX/2019 I received notification from XXXX  XXXX that my account will be reported on all credit reporting agencies as Paid in Full, current as of XX/XX/2019. 

As of the date of this letter my credit bureau accounts are being reported as follows : XXXX  reporting as charge-off XXXX  reporting as Paid or paid as agreed Experian reporting as paid account/charge off My auto loan account was mostly paid off by my insurance company ( XXXX ) after the car sustained a total loss in an accident. A balance remained, of which I paid off in a monthly installment plan. 

As of current my account is still reporting as charged off on 2 credit bureau reports. This incorrect reporting is causing me a great amount of hardship. I am currently out of work and unable to accept a job offer that requires me to commute 30 miles because I cant get a car loan to purchase a vehicle due to the charge off on my credit file. 

Ive made multiple disputes via the credit bureaus and each time this charge off status has been re-affirmed by XXXX XXXX. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Me and my husband got a loan then it was hacked by the person he did not sign anything. The hacker put the money in. In the meantime the bank said even tho it was hacked we still have to pay it back. The bank name is Synovous. They gave us a new account so we thought things were good come to find out when his SSDI and veteran pay came in the bank took it and won't give us nothing. My husband is a XXXX veteran and needs his money. We both didn't know this was fraud. The hacker is from North Carolina and has been taking people money we found out later. If you can help us it would be appreciated. I have done all I can do and so have my husband. Thank you
Product: Checking or savings account

Please re-open case # XXXX. Despite a letter I have received from a XXXX XXXX XXXX from Citi bank stating the funds of {$18000.00} and {$23.00} had been mailed to the current address on record I still have not received any money from Citi Bank. According to the letter from Citi Bank the funds were mailed to my previous apartment address on the date of XX/XX/2019. I had access to this apartment address up until the date of XX/XX/2019 and can confirm that no checks addressed to me for these amounts were present in that mailbox on or before that date. On XX/XX/2019 I updated my address to reflect my current home in XXXX, Missouri. Around the date of XX/XX/XXXX, I received a paper copy of the letter from XXXX XXXX XXXX in my mailbox at my current home address. On XX/XX/2019 I called CitiBank again to inform them I never received the checks containing the funds within my closed savings account. The representatives on the phone continuously stated I must not have received the funds because I no longer live at the apartment address. However, they had no explanation in regards to the fact that I still had access to the apartment mailbox up until XX/XX/XXXX and never saw the checks in the mailbox. Whenever I requested a second check was mailed to me I would be placed on hold and transferred to another department. My final conversation was with a representative named XXXX. She had stated that she would be unable to send me a second check despite having the information to show the previous checks had never been cashed. She stated she would need permission from " someone else '' and to call back in 5-7 business days. It has been since XX/XX/XXXX, of 2019 that Citi bank had froze my savings account and has been holding on to over {$18000.00} of my personal finances without my consent. I am absolutely astounded and at a loss as to what do. It is unbelievable that a very large, professional, banking corporation can hold any amount of an individuals finances without there express consent for nearly half a year. Please provide any assistance possible to enable me to obtain these finances.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted written requests to verify the accuracy of 4 accounts listed on my credit report. Specifically, to provide original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ). 

I have filed 5 requests with 45 days in between to allow for processing Starting in XX/XX/XXXX and was never provided the documentation requested. 

I then called today ( XX/XX/XXXX ) and spoke to ta representative who verified the do not have the required documentation but also do not plan on doing anything about this as required under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 have 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: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a dispute letter via certified mail in XXXX of last year. The dispute was received by TransUnion and was confirmed through signature of receipt from a TransUnion employee. I called and inquired about the results of my investigation today XX/XX/XXXX and was told by a TransUnion employee that they didn't receive my dispute letter until XX/XX/XXXX and the investigation wasn't started until XX/XX/XXXX despite my receipt stating otherwise. Now according to the FCRA they had 30 days from the time of receipt to investigate my dispute and it is passed that 30 day window. So now they are in violation of my consumer rights per the FCRA and FDCPA. Not only did they not do their due diligence an investigate my disputes but the disputes is still ongoing and they claim they are waiting on the creditors to respond and the investigation won't be complete until XX/XX/XXXX. Now if they received my dispute letter on XX/XX/XXXX and after XX/XX/XXXX the investigation is still not complete after 30 days how are they allowed until XX/XX/XXXX to complete my investigation? According to federal law if a consumers dispute is not investigated and verified after 30 days it must be DELETED FROM MY CONSUMER REPORT IMMEDIATELY!!!! A consumer does not have to wait any longer than 30 days for an investigation to be done for any reason. Per FCRA any unverified account must DELETED from my consumer report and if TransUnion can't show me verifiable proof of any account in question has to be DELETED from my consumer report IMMEDIATELY!!!!! 



I'VE ATTACHED PROOF THAT TRANSUNION RECEIVED MY DISPUTE LETTER OVER 30 DAYS AGO AND HAVE FAILED TO COMPLY WITH FEDERAL LAW PERSUANT TO FCRA 611 ( a ) ( 1 ) ( A ) PROCEDURE IN CASE OF DISPUTED ACCURACY.
Product: Credit reporting or other personal consumer reports

XXXX credit bureau says account open the other shows closed original dept was with XXXX  XXXX XXXX  and was charged off but XXXX XXXX XXXX XXXX is trying to collect debt
Product: Mortgage

Due to pandemic in XXXX I put my mortgage in Forbearance. This went into effect XX/XX/XXXX. 

When i initially contacted Mr. Cooper regarding this I was made aware that there are several options available. 

I asked about putting payments on back end of loan. I was told that I could do this. 

When i called back in XX/XX/XXXX I was advised there is no option because of prior modications made on loan. 

I was advised I would have to pay XXXX to restart loan otherwise there are no options or sell house. 

I stated I want to stay in house with my family. 

Mr. Cooper stated at this point there is no help. 

I would like to reinstate loan and either pay some more money towards loan and or put payments on back end of loan. 
Thank you
Product: Credit card

Chase had an offer that if you spend {$400.00} or more at XXXX before XX/XX/XXXX you'll receive {$200.00} statement credit. I made a purchase at XXXX on XX/XX/XXXX for XXXX meeting all of Chase 's requirements for the offer. XXXX posted the transaction on XXXX. Since the payment was posted on XXXX Chase didn't give me the {$200.00} statement credit. I called them and provided them with the proof on when it was purchased. They submitted a ticket and took over 30 days to deny offer. If I knew i wouldn't get the offer I wouldn't have made the purchase. When I talked to chase rep they assured me I'd be getting my statemenent credit. The whole process was deceptive.
Product: Credit card

To Whom It May Concern, I am filing a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX Aspire Credit Card for conducting a hard inquiry on my credit report without proper authorization or clear disclosure.

I received a pre-qualification letter from Aspire, which invited me to check if I was eligible for a credit card offer. I followed up by calling the number provided to find out if I was approved. At no point during this interaction was it clearly communicated that a hard inquiry would be performed on my credit report. 

This lack of transparency is deeply concerning. I did not submit a full credit application or provide explicit consent for a hard inquiry. Had I been informed that checking my eligibility over the phone would result in a hard pull, I would have never proceeded. 

This unauthorized action is a potential violation of the Fair Credit Reporting Act ( FCRA ). I am requesting that this inquiry be removed from my credit report immediately, unless XXXX XXXX XXXX XXXX / Aspire can provide clear and verifiable proof that I authorized this inquiry knowingly and in writing. 

Please investigate this matter thoroughly and take appropriate action to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated : 15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have try to resolved an issues with Aspen National Collections with no luck. This is all over Resort maintain and tax fee. On XX/XX/2021 I call and spoke with XXXX XXXX who got mad when I requested validation of debt since they are refusing to get deletion done. Then I spoke with XXXX XXXX. " Manager " he stated they do not do deletions or actually they do not know how it work. I do not believe they have the proof debt. 

Today XXXX I call again and spoke with a XXXX again a manager. 
He said by company policy he can't delete from the credit report. He said their clients do not allow credit deletion. I told him that the address was wrong and I never got the opportunity to pay it before it went to collections. He said they mailed 3 collections notices to the XXXX XXXX. I told him again that was not my address anymore. Even when I told him that the address was wrong and never had the chance to pay it before it goes to collections he continued refusing to delete. 
I do not understand why they are doing this. They do not have validation of debt nor do they have my correct address. This is all wrong and their mistake and therefore should be remove from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

I used Wells Fargo 's Bill-Pay to send a payment to my XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). The amount was {$170.00}. This was done on XX/XX/year>. The intended check was to be delivered to XXXX 's office. I have paid them this way previously as well. We have been going to this office for 18 years. 

On XX/XX/year> I received another invoice from this office so I called them to check. They said they never received the payment. I looked on WF 's website and saw that the check was cashed and I have proof of payment. XXXX claims they did not cash the check and suggested someone else did and it was not their office. 

I then called WF to lodge a fraud claim. On XX/XX/year> WF came back to me saying they researched the claim and in their view they were not liable and they closed the claim. 

In summary, an electronic billpay service sent a physical check to the correct address. Someone other than the intended recipient cashed this check. And now neither party is taking the liability.
Product: Checking or savings account

My account access is locked and Citi will not provide me access so I can move my money out of this worthless company. I WILL NEVER DO BUSINESS WITH CITI AGAIN.
Product: Money transfer, virtual currency, or money service

I had a XXXXXXXX XXXX XXXX prepaid debit mastercard, managed by XXXX XXXX Onbe ( formerly North Lane ). My salary from XXXX XXXX was paid onto this card. I set up the payment App and linked my XXXX XXXX bank account details to the card, including my XXXX and Swift numbers for international transactions. I sent an amount of {$50.00} dollars home to the XXXX to test the details were correct on XX/XX/year> and the converted amount in XXXX was received by my bank, so I knew my details were set up correctly. So, on XX/XX/year>, I sent the remaining money home, {$1800.00} dollars XXXX XXXX XXXX ). To date, the money has never arrived in my XXXX account. I have contacted XXXX numerous times and I just keep receiving an AI generated auto response on their XXXX customer support number. I keep getting told I need to wait up to 14 days for the failed transaction to be refunded to my card. However, it is almost impossible to contact them or speak to a human. I am now out of money in my XXXX bank account, I am behind on my rent and my bills because this money has not arrived in my XXXX account. My contract with XXXX has finished and no further salary is coming from them. I have been begging XXXX to help me and trace this payment to find why it is delayed but I am getting no where. I have contacted my XXXX bank who have said they can not trace the payment as they did not make the transfer, the SWIFT trace has to come from XXXX. My salary of {$1800.00} is missing or lost or delayed somewhere and XXXX  either cant tell me or wont tell me where it is or why its delayed. I am in financial difficulty now and Ive been left with no alternative but to reach out to you guys for help. Can you please help me get this money repaid to my XXXXXXXX XXXX XXXX card so I can withdraw the funds and pay my rent.!? Thank you.
Product: Money transfer, virtual currency, or money service

Dear PayPal Customer Support, I am writing to you to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation has been imposed in error, as I have not violated any of PayPal 's policies or engaged in any activities that would warrant such action. I kindly request that you re-evaluate my case and restore my account, allowing me to resume using PayPal 's services. 

To the best of my knowledge, I have always complied with PayPal 's terms and conditions since I opened my account. I have used it responsibly for various transactions, including personal payments and online purchases. I have always strived to maintain a positive and trustworthy relationship with PayPal, and I am genuinely surprised by the permanent limitation imposed on my account. 

I would like to emphasize that I have not participated in any prohibited activities, such as fraudulent transactions, unauthorized access, or any form of malicious activity. I have consistently adhered to PayPal 's policies and guidelines, conducting my transactions in a legitimate and ethical manner. It is my sincere belief that my account has been mistakenly flagged for violation, leading to the unjust restriction. 

Given the circumstances, I kindly request that PayPal undertake a thorough re-evaluation of my case. I implore you to conduct a comprehensive investigation into my account activity, including the specific reasons that led to the permanent limitation. I am confident that upon review, you will find no evidence of any wrongdoing on my part. Therefore, I humbly request that you consider reinstating my PayPal account, allowing me to continue utilizing your platform with the same level of trust and confidence as before. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request that all correspondence regarding this appeal be directed to the provided email address, as it is the primary method of contact associated with my account. 

I would like to express my utmost appreciation for your attention to this matter and your prompt consideration of my appeal. I have always valued PayPal as a trusted and reliable financial platform, and I sincerely hope that this misunderstanding can be rectified. I am eager to resolve this issue amicably and look forward to a favorable response from PayPal. 

Thank you for your time and understanding. 

Sincerely, [ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 8.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: Checking or savings account

A mobile deposit was made into my personal checking account and thus a bank hold was placed. 
This transaction took place on XX/XX/2018 for the amount of {$1000.00}. 
Noticing this bank error I called Chase to inquire why is a hold being placed on a check in an account where ( 1 ) there has NEVER been a non-pay deposit and ( 2 ) a deposited check routing number that had previously passed through my account?

Chase APOLOGIZED and released the hold immediately. 
In the mean time - ( 3 ) NSF occurred on XX/XX/2018 for items that presented against the account - when the bank hold error was placed. 
Spoke to XXXX in XXXX, OH. ( XXXX XXXX CST ) who was totally nasty from the onset of the conversation and refused to listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, XXXX has all failed to remove inaccurate information from my credit file. I've reached out and tried to get this matter addressed. I'm a victim of ID Theft and have suffered as a result. I've reached out to the local police and credit bureaus. The following accounts are result of ID theft : 1. XXXX XXXX XXXX # XXXX   2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  6.XXXX XXXX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX XXXX XXXX