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

I recently opened a Barclaycard because of its zero percent balance transfer rate. Barclay attempted - succeeded - in a balance transfer for twice the amount I actually owed on my XXXX XXXX card. In addition, while Barclay shows the balance now on that card there is still the original balance on the XXXX XXXX card. So now I have gone from a $ XXXX debt to $ XXXX debt simply by attempting a balance transfer. Both banks claim the other bank has to resolve the issue. XXXX XXXX says there is no payment from Barclay but Barclay shows the two erroneous balance transfers. I have tried getting help from both companies to no avail. Both say " wait and see it if it fixes itself. ''
Product: Debt collection

I am a desperate consumer. I hope this complaint helps me to get a fair solution to my issue. I want to express that Monterey Collection Services has committed the following damages and violations to the California Credit Reporting Act : the account has been re-aged. Date of last activity is being reported much after the opened date, they have failed to report last payment date. This is causing a huge impact on my score. They have been negligent and unfair. 

I have suffered several damages : This item has stopped me from getting loans and is making me pay high interest rates due to credit score drop. My financial life is ruined because of this situation, i have experienced emotional stress. 

Based on all the damages that this company has caused me, I am demanding the following account to get removed from my records : account # XXXX, Opened date XX/XX/2017,, highest balance {$1700.00}, current balance {$0.00}, original creditor : XXXX XXXX XXXX. 

I have made my research and I have prepare some documentation. Please send the attached files to Monterey Collection Services, that is also known as Monterey Financial Services LLC. 

Thank you.
Product: Credit reporting or other personal consumer reports

I do not owe any past fees or debts to the company of IQ DATA INTERNATIONAL.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 -- later in the night -- an unknown person gained access to my Wells Fargo accounts and deposited two fake {$1500.00} checks into my savings account, transferred to money to my checking account and then sent the money to himself before the checks could bounce, resulting in a total of XXXX unauthorized transactions. On XX/XX/2022, I reported the transactions as fraudulent which consisted of a two hour phone call with XXXX from Wells Fargo. To date, only XXXX of these transactions have been reversed, the two remaining transactions being XXXX {$500.00} XXXX transfers to a man named XXXX XXXX, {$1000.00} in total, half from my savings account and half from my checking account. Up until that point, I had never accessed the XXXX software embedded in the Wells Fargo banking app, and never had an account set up with them. At this point, I am still trying to reverse these final XXXX transactions to get the money back and help my mother 's credit score, as she is a joint owner of the account. Until XX/XX/2022, Wells Fargo denied our claims to reimbursement under the pretense that the transactions were not in fact fraudulent, saying " either you or someone with your authorization authorized the transactions ''. On XX/XX/XXXX, however, after another phone call with Wells Fargo on the XXXX, Wells Fargo sent me a secure email through their website, and gave me a different response, saying they could not reverse the transaction or reimburse me due to the medium of transaction, as it was through XXXX and not directly through Wells Fargo. They said that I would need to handle the dispute through the recipient 's financial institution -- which I do not know as I do not know who XXXX XXXX, or whatever his real name is -- if I were to be reimbursed.
Product: Credit reporting or other personal consumer reports

This morning, I discovered that incorrect accounts had appeared on my credit report, and I have no clue how they got there. As part of my usual routine, I checked my credit report, but this time, I noticed unexpected discrepancies. Thinking it might be a browser glitch, I refreshed the page, but the inaccurate accounts remained. Since this issue persists, I am requesting a thorough review of the documents I have submitted so I can put this matter behind me.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. As per my recent credit report, there are multiple inquiries that I did not authorize. Below is the detailed list of these hard inquiries : 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 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 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 XXXXXXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Furthermore, I have filed an identity theft report which is attached to this letter. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611. 
Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

Albert banking. Signed up for this through a referral. Never got the {$20.00} referral bonus either. Since then, I was charged {$6.00} weekly, and then another charge of {$9.00} XX/XX/XXXX. Tried to close account and was REFUSED for XXXX business days and would still be charged the {$6.00} again in meantime. Then after trying to close multiple times, I was then charged a yearly subscription fee of {$140.00} that I did not authorize. There is no actual customer support over the phone, only via text and this is unacceptable. They are saying they'll refund me for the overdraft fees, but am not counting on it. Now I'm out over {$170.00} for a card that I did not authorize any of these transactions for.
Product: Mortgage

Company involved. Shellpoint mortgage servicing/newrez. Issues During servicing and after loan was paid off with this company. 

I refinanced my loan on XX/XX/XXXX and i no longer owe anything to this company. They do not respect the loan terms on my loan, and most agents cant do much, apart from sending an email to their loan servicing department that has no phone number to ever be reached. It is impossible for me at this point to collect my money they hold on prepaid interest part from my payoff quote. Also they keep on trying to put a prepayment penalty on my loan. And they have never heard of sending prepaid interest on payoff quote if the loan got transferred and they got their money in advance. 
The dates are as follows payoff quote issued XX/XX/XXXX. Closing on new loan with another company signed XX/XX/XXXX. Payoff cleared on shellpoint side on XX/XX/XXXX. 
Payoff quote as follows : Principal balance {$97000.00} Interest to XX/XX/XXXX {$1000.00} ( to be prorated and balance refunded to customer ) Prepayment penalty {$0.00} Release fees {$98.00} Total payoff {$98000.00} ( cleared in their account on XX/XX/XXXX ) The only refund i have pending to be received by mail is my escrow. 
When i call them about my interest that they owe me back for 23-24 days for which they are not the lender on the account they are either not sure what i am talking about or they claim that i have prepayment penalty and they owe me nothing. 
1. I do not have prepayment penalty because the payoff quote says {$0.00} 2. My loan with them was with interest of 8.25 %. My loan terms as signed XX/XX/XXXX say that if my interest is higher than 8 % i can make a full prepayment without paying a prepayment charge. Also based on the terms of my loan i can only be charged any prepayment charge for the first 24 months only. My original loan was signed XX/XX/XXXX. 
As far as attempting to contact them, I have escalated the issue XX/XX/XXXX and was supposed to receive a response within 24 hours. Since i got no one to contact me for 2 days i called again today XX/XX/XXXX. I was told they are submitting for review and that i have a prepayment penalty that needs to be removed. Still the numbers still do not add up. And i couldn't get a full number on my refund. I was told to call again after 3-4 business days. 
I am pretty sure nothing will happen the next time i call unless i report them. 

In regards to the issues during the servicing period. 
They conveniently made a mistake of paying my insurance twice instead of once ( in XXXX and then XX/XX/XXXX ). By the time i found out and received the overpayment check from the insurance company ( end of XXXX beginning of XX/XX/XXXX ) they already had conveniently completed their annual escrow reevaluation. Of course my account went on negative and as a result they added {$230.00} monthly to my escrow for the entire year. My original escrow was {$170.00} and went to {$400.00}. In other words I would have overpaid {$2700.00} ( on 12 months basis, an i refinanced ) because they sent a {$450.00} check twice.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding inaccurate reporting by all three credit bureausEquifax, XXXX, and XXXX multiple accounts. The issues include : XXXX. Incorrect reporting of account opening dates. 
XXXX. Inaccurate reporting of late and on-time payment history. 
XXXX. Inconsistent information across credit bureaus for the same accounts. 

The accounts affected are : XXXX Bank ( Account ending in XXXX, {$1700.00} ) XXXX Financial ( Account ending in XXXX, {$0.00} ) XXXX XXXX XXXX Bank XXXX Account XXXX XXXX XXXX, {$2000.00} ) XXXX  ( Account ending in XXXX, {$2200.00} ) XXXX XXXX ( Account ending in XXXX XXXX {$0.00} ) XXXXXXXX These inaccuracies violate the Fair Credit Reporting Act XXXX FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum accuracy, and 15 U.S.C. 1681i ( a ), which obligates credit bureaus to investigate and correct disputes. The failure to resolve these errors within the 30-day period mandated by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) demonstrates noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX 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.

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.

The information is not accurate and I would like for it to be removed from my report, immediately.

I have attached supporting documents. Please review.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following accounts/account numbers have violated my rights : XXXX. XXXX XXXXXXXX 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 US DEPARTMENT OF EDU Account # : XXXX XXXX. US DEPARTMENT OF EDU Account # : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Trident Asset management is fraudulently reporting a debt on my credit reports that does not belong to me. I have contacted the company directly via certified registered mail. They continue to report the account is mine. The name on the account is not my name. I have never used that name. The address on the account is in a city I have never lived. I have furnished correct information to the company and they continue to violate the FCRA with inaccurate reporting. I am XXXX years old. Trident Asset Management has exhibited elder exploitation in their blatant refusal to correct erroneous credit reporting. I have only one name and one address. Removal the fraudulent information is the only acceptable resolution.
Product: Debt collection

Was initially contacted by mail from Aldridge Pite and Haan/Debt Collector by letter dated XX/XX/2021, who states their client is XXXX XXXX. I had no idea who they were. They have indicated in correspondence dated XX/XX/2021, that the account has been charged off and they are trying to collect from me. I don't have any agreement or contract with Aldridge Pite and Haan/Debt Collector ; I don't owe any alleged debt to them. They have sent letters indicating they are attempting to collect a debt and that they are an attorney at law. Pursuant to 15 USC 1692e - A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. Any alleged indebtedness is an obligation of the United States Pursuant to 18 USC 8 - The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency, Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. I sent an Affidavit of Truth and have not received a response. There are many individual actions and they were given 21 days from date of receipt, which was XX/XX/2021, to send payment according to the attached invoice, of all the individual actions, and have not done so and was given ample time. I am seeking remedy from Aldridge Pite and Haan/Debt Collector. I demand that any information pertaining to Aldridge Pite and Haan/Debt Collector and their client be removed from all credit reporting agencies, immediately. Affidavit and Invoice included.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA violation no knowledge inaccurate name, address, telephone and unauthorized inquiries that I did not recognized appear on my Experian credit report.
Product: Money transfer, virtual currency, or money service

I've received crypto currency from a company in XXXX in 2012 sent through coinbase, i've had 2 accounts with coinbase that I have easy access to with no problems. However the account with the bitcoin transfer has been blocked from the coinbase domain. I am able to verify and ID authenticate all other accounts however the one with the currency has been blocked, I can not access it. 

I've reached out several times by emailing & calling the company with no support in managing the problem. 

I've gone through all the steps they suggested in the email to verify and access my account, from adding them to my email list, checking spam folders, and talking to my email administrator. The problem is from Coin Bases.
Product: Checking or savings account

I was shorted XXXX XXXX points on my XX/XX/2017 statement. 

I emailed Citibank XXXX Rewards Customer Service, but NEVER received a reply. 

On XXXX XX/XX/2017, XXXX XXXX from Citibank stated she would respond within 14 days. She NEVER did ... ... 

I was then told by Citibank to contact XXXX. Again, I never received a reply. 

Please explain why I was shorted on my account by return letter to my account address.
Product: Checking or savings account

Subject : Urgent Appeal : Request for PayPal Account Restoration Dear PayPal Support Team, I hope this message finds you well. I am writing to you with an urgent appeal to restore access to my PayPal account. I recently discovered that my account has been restricted due to what I assume is suspicious activity, and I am deeply concerned about the inconvenience this has caused.

I understand the importance of account security, and I appreciate the measures in place to protect users. However, I believe that there might be a misunderstanding or an error in my case. I rely on my PayPal account for various transactions and financial activities, and the current restriction is causing significant disruption to my routine.

I am committed to cooperating fully in any verification process necessary to confirm my identity and ensure the security of my account. Please guide me through the required steps to restore access at the earliest convenience. I value the services PayPal provides, and I am eager to continue using the platform responsibly. 

I kindly request your prompt assistance in resolving this matter and appreciate your understanding of the urgency involved. If there are any specific documents or information required, please let me know, and I will provide them promptly.

Thank you for your attention to this appeal. I look forward to a swift resolution and the restoration of my PayPal account. 

Sincerely,
Product: Student loan

All accounts are paid in full but they do not update their system and it's been 30 days and it still shows on my credit report as open account with a balance. Every time I call in they do not know why and no one can help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The family educational rights and privacy act ( FERPA ), a federal law enacted in XXXX that protects me from the privacy of student education records for XXXX. Any public or private elementary secondary or post secondary school under 20 USC 1232g ( b ) this needs taken off my report immediately.
Product: Debt collection

Spoke to XXXX at XXXX XXXX on XX/XX/XXXX at XXXX pm est. I reached out regarding a medical collection step on my credit report that I have received no documentation of. She confirmed that the account was sent to my previous address in XX/XX/XXXX however, I moved homes in XX/XX/XXXX I provided with my new address and requested an itemized statement, verifying what this was for And she confirmed that they would mail out. As of XX/XX/XXXX no new statement has arrived to the new address. The collections is still reporting on my credit and drastically damaging my XXXX XXXX.
Product: Checking or savings account

I opened the account based on a promotion : Qualifications to receive {$400.00} Welcome Bonus - within 150 days of account opening, receive a cumulative monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. 

I travel abroad and upon calling Wells Fargo, they would not allow me access to reissue direct deposit after my depositor stated they had to have a letter directly from them. 

So the deposits were unable to be set up until beginning of XXXX. But this was after calling Wells Fargo, and them repeatedly denying my inquiries. Also, blocks on accessing their website from outside the U.S. presumably. I explained to the agent that my promotion required my direct deposits but he said that I needed to come into a bank branch which is physically impossible. 

Still, I deposited values, equaling over {$29000.00} during the months of XXXX, XXXX and XXXX, which meets the requirements for deposits within 150 days over 3 consecutive months. The bank representative XXXX XXXX in customer care at first told me that they were not made within first 3 months ( not as promotion period stated ). When I corrected her that I had until XX/XX/XXXX to be within 150 days, she stated that {$3000.00} was not made in XXXX, but the promotion states cumulative monthly total, and she refused to honor it. 

To beware : 1- Wells Fargo prevented me from setting up direct deposit through their " safety measures '' while I was out of the country, disallowing me from quickly satisfying terms. 
2- Wells Fargo read an absolute ( or partial ) sum of one month to say I did not qualify, instead of the cumulative sum that they placed in their offer. 

This is misleading and very regrettable, and I hope to advise others to not fall into a promotion that they do not intend to give.
Product: Debt collection

That is falsely listed on my credit report. The amount {$1700.00}. owed are no longer outstanding for the following items :