23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On or about XX/XX/year> a check, see attached, was mailed to the bank to payoff the remaining balance. The bank received the check and cashed it on XX/XX/year>. 
Note their clear endorsement on the back of the check. The bank did not, however, credit my account for the amount of the check. The current balance shows as owing {$9900.00} and the card number isXXXX under the name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 
I have called the bank several times with no results. in fact, they acted like they just didn't give a hoot. The last time I was told it was up to my bank to get the matter resolved. My bank has already done EVERYTHING they can do. I was treated with disrespect and in the meanwhile, they are charging me an exorbitant rate of interest. I want the {$10000.00} applied to the account noted above and a rebate of the interest accrued after XX/XX/year>. I also think a personal apology would be in order.
Product: Credit card or prepaid card

Original Creditor : Citibank / Best Buy This account is and was under dispute with Citibank and Best Buy. The story is long and complicated but here are the steps we have done XX/XX/XXXX We purchase two TVs, installation services, and mounting equipment online XX/XX/XXXX We go to the store to pick it up. Best Buy ( XXXX XXXX ) reverses the web purchase and creates store purchase for one of the TVs XX/XX/XXXX The TV that was reversed to a store purchase is delivered and installed but has issues XXXX XXXX TV is picked up by Best Buy ( XXXX XXXX ) and returned to the store. We have commitments from the store manager, electronics sales that since it was bad the TV and installation services would be reversed XX/XX/XXXX No reversal so we call multiple times and through multiple channels. Best Buy says the TV had been reversed ( seeing the XXXX XXXX initial reversal for a web purchase and store purchase ). We get that part straightened out but still no credit for the TV sent back XXXX XX/XX/XXXX Multiple calls and meeting with Citibank, Best Buy customer service and Best Buy ( XXXX XXXX ). I go into the store and one of the stock people happens to be there listening to our story. They ( Best Buy XXXX XXXX ) realize they have had the return all along but nobody registered the return. They commit again to reverse both the TV and install charges. 
XX/XX/XXXX TV charges finally get reversed but the install charges ( {$300.00} ) still exist XX/XX/XXXX onward Keep disputing was told that Best Buy customer service and manager and assistant manager of Best Buy would handle and give a reply. Never get a reply. Account was still under dispute when turned over to XXXX XXXX Still under dispute. Can't get online documentation of the dispute because Citi closed  account
Product: Mortgage

On XX/XX/2016 I received a refund check from my insurance company, XXXX. When I called them, they told me that my home owner 's policy had been canceled. A new policy had been issued, but was not paid for. 
I went to a local Bank Of America office on XX/XX/2016, from whom I have my mortgage. They repeatedly told me that BoA could not have canceled the policy. They also told me they had paid for the policy, twice, in XX/XX/XXXX. After much repetition, BoA acknowledged that they had altered my policy without my permission, to change the deductible for wind damage from XXXX % to XXXX %. They also reduced my coverage for personal property loss. 
According to XXXX, BoA called at least 4 times from XXXX XXXX. There were no specific notes on any of these calls. The cancellation and reissue were handled at the XXXX office, not my agent, but the policy was given a new agency code, still with my previous agent XXXX XXXX XXXX of XXXX, DE. 
I believe that neither party should have altered my policy ( paid for with my money ) without my knowledge and approval. No one can explain why they were able to or justified in doing so. 
I am enclosing a copy of the new policy, which I received only because I asked for it today, which includes the details of the agent, the issuer, and the mortgage holder. 
I wish both parties to refrain from altering my policy without my knowledge and permission.
Product: Checking or savings account

RE : Wells Fargo Misrepresentations and Regulatory E Violations for Case numbers belonging to Wells Fargo herein : Case Number ( 1 ) : XXXX, Case Number ( 2 ) : XXXX Case Number ( 3 ) : XXXX On XX/XX/2021 I filed a claim on three transactions in connection to a scam I fell for, totaling {$100.00} USD. Wells Fargo promised a resolution within 10 business days. To date, nothing received, and no resolution or any paperwork *even* *confirming* the three claims ' existence. 

I was *not* provided their promised courtesy refund of {$100.00} for being scammed. To date, *zero* conclusion to the investigation as promised, *zero* resolution to date, nor any outcome of their investigation as promised. 

To make matters worse, Wells Fargo is obstructing me from reporting these ( 3 ) transactions to XXXX because Wells Fargo is unable to provide me the required 12 characters XXXX payment ID for each XXXX Transaction as requested by XXXX Scam Reporting process I, therefore, am unable to file a scam report under XXXX : XXXX I've called Wells Fargo multiple times requesting the 12 character XXXX payment ID and they won't tell me.
Product: Checking or savings account

I am submitting a formal complaint regarding Relay Banks failure to return funds to my company, which a small family owned business, and the bank 's lack of transparency throughout the process.

On XX/XX/XXXX, we opened an account with Relay Bank. Given issues regarding verification document, Relay closed our account on XX/XX/XXXX, although we tried to provide them with all the information needed, albeit late. On XX/XX/XXXX, we noticed that our account balance had been withdrawn the full {$32000.00} following the account closure. Despite this, as of XX/XX/XXXX, we have not received the check Relay Bank claimed to have sent. 

Over the past month, I have made multiple requests for proof of the checks issuance and a tracking number to follow its progress. Relay Bank has not provided any such documentation, only offering a transaction ID, which is of no use to us. Despite assurances that the check had been sent, it has not arrived, and no verifiable information has been provided. We have insisted several times that they simply transfer the funds to another account the company has, but they have refused to do so. 

On XX/XX/XXXX, we called Relay Bank as we had not received the funds and requested a wire transfer. Request was denied. We tried verifying the address as we had not received the check at our address, they were missing a the door number. They confirmed they would reissue with the full address. 

On XX/XX/XXXX, we called Relay Bank and spoke with a representative named XXXX, explaining the situation and insisted that the funds be transferred to us via wire transfer instead. This request was denied. XXXX assured us that the check would be reissued and sent by certified mail with a tracking number, but this still has not happened. We were informed that their finance department was handling the issue. 

Again, on XX/XX/XXXX, we contacted Relay Bank and spoke with another representative to emphasize the urgency of this matter. The response we received was that they were still in discussions with their bank to resend the check, but no specific actions or timeframe were provided. 

As of today, XX/XX/XXXX, we have neither received the check nor any further communication from Relay Bank with a resolution. The delay in returning our funds, combined with the complete lack of transparency and communication, is unacceptable. This has severely impacted our financial health and has prevented us from operating at a normal level. 

I am requesting that the Consumer Financial Protection Bureau intervene to ensure that Relay Bank promptly returns the funds in question, as well as provides official documentation confirming the checks issuance and dispatch.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that CHOICE RECOVERY INC has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from CHOICE RECOVERY INC but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to CHOICE RECOVERY INC to release my medical information to a third party. Validation of Debt, and HIPAA authorization. 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 3.Cease any credit bureau reporting until debt has been validated by me. 4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages
Product: Debt collection

I have a a unverified account fromCAPITAL ACCOUNTS LLC. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX XXXX XXXX purport I owe. I request thatCAPITAL ACCOUNTS LLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CAPITAL ACCOUNTS LLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

Radius Global Solution LLC reported a debt of {$810.00} to my credit. Under the FDCPA, a debt collector is prohibited from communicating with a consumer after the consumer disputes the debt, except to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor. 15 U.S.C. 1692c ( c ) ( 2 ) .All forms of communication should be stopped and ceased through all mediums mail, electronic, phone calls and credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I contacted Experian about the following negative accounts ; XXXX  ( Account Number : XXXX, Date Opened:XXXX, Balance : {$930.00} ), XXXX ( Account # XXXX, Date Opened:XXXX, High Credit : {$180.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE IS ILLEGALLY REPORTING LATE PAYMENTS TO XXXX AND XXXX FOR ACCOUNT XXXX. 30 DAY LATE PAYMENT XX/XX/2019. 15 USC 1681a section 2 provides exclusions to the term " consumer report ''. The term " consumer report '' does not include : Any report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have lots of inquires on my credit that I did not authorize nor did I know about. These inquiries are affecting my score in a negative way. I lost my wallet last year which had my drivers license, social security card in it. I have 2 credit cards one is XXXX XXXX and the other is old nave which I am a authorized user for the XXXX  XXXX. My score was in the 700 's now it is in the high 600 's. Remove these immediately! I do not own a home, I do not own a car. The inquires in dispute are : XXXX XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Supermarkets XXXX/XXXX Inquiry : XXXX XXXX, 2017 + Complete Dept. Stores XXXX Inquiry : XXXX XXXX, 2017 + Personal Loans Cos. 
XXXX XXXX Inquiry : XXXX XXXX, 2017 + All Banks XXXX Inquiry : XXXX XXXX, 2017 + National Credit Card Cos.
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 confidentially under 15 USC 1681. Act Name : XXXX, XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX Act Name : XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX I, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 or reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I have an American Express Credit Card and an American Express XXXX Acct. 

I updated my American Express Credit card to pay out of my XXXX account but for whatever reason it still was stuck on the Amex savings as the payment source. 

my payment was due by XX/XX/XXXX. Having realized that the wrong account was being debited for the payment i contacted american express XXXX bank customer service, and they said the payment had not been attempted on the account. If I wired funds that day the funds should arrive same day. 

I setup a wire from chase and got confirmation it was sent before wirecutoff so it would have been received same day XX/XX/XXXX. 

on XX/XX/XXXX the funds have not been received XX/XX/XXXX i called Amex and they said they haven't seen the wire hit yet, or the payment debit but the wire should bein the account by end of day XX/XX/XXXX the funds have not hit the account yet and the payment on the credit card bounced. i was assessed a {$39.00} payment return fee- which was waived. but i will be charged interest on the payment which will likely be around {$900.00}. 

i contacted amex savings and they said the wire was in review. and it should be in the account byt end of day. it is past end of day and yet the funds have not arrived in my account yet. 

this is an account that I own that i've also made transfers to this amex savings before in the past.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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

I have sent a number of dispute letters with documentation to all three credit bureaus. Asking to remove the unauthorized inquires my first set of letters went out XX/XX/XXXX second set XX/XX/XXXX each set was tracked as received and confirmed by the credit bureaus however nothing has been done. Please see the following credit inquiries below to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

FNB Omaha- inquired on my XXXX account that I did not initiate on XX/XX/2022. I believe this is a fraudulent inquiry that I did not authorize. I believe someone stole my information to start this credit card inquiry
Product: Mortgage

I was approved for a loan modification with Nationstar Mortgage in XX/XX/XXXX, but it was an adjustable interest only rate of 3.0 % and it will end in XXXX XXXX. I will not be able to afford the mortgage once it doubles next year. I applied for a loan modification for a new fixed rate for 30 years but was denied because Nationstar Mortgage already gave me this terrible modification and said that my application resulted in a negative NPV ( Net Present Value ). I used the government website, XXXX and it says that I have a positive NPV and easily qualify for a loan modification. I just want to be approved for a fixed 30 year interest rate that will no go up so I can keep my family in our home.
Product: Mortgage

Faxed a request to have PMI Insurance removed from my mortgage payment XX/XX/XXXX, Contacted via phone of status on or about XX/XX/XXXX was advised request received and someone should call back in 7 days, Contacted via phone about XX/XX/XXXX after 1 hour wait was told still in process someone should call back in 7 days, Contacted via phone about XX/XX/XXXX again was told someone would call in about 7 days. Current balance about {$150000.00} current sales comparable value is $ XXXX to $ XXXX well within the XXXX % rule, I have estimated current value @ $ XXXX. I faxed 18 pages of comparable and letter requesting PMI removal on XX/XX/XXXX, spent hours on hold and only getting the same answer. 
Loan XXXX Citizens XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been calling chase almost every day for a month trying to get a letter on Chase letterhead proving that I have settled my account in full with a {$0.00} balance. No one has provided me with that letter yet. Every time I call, they told me my account was in collections with a law firm when the account had already been returned to Chase. When they reported to the credit bureaus, they reported my account having a balance which is inaccurate. I have a mortgage loan pending and my closing date keeps getting pushed out because Chase is not providing me with this letter even though they all see in the system that I have settled my account in full. I am looking to receive this letter on Chase letterhead within XXXX - XXXX hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a charge-off of {$27000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) Prior to XXXX, I signed on with XXXX which is a debt management company to assist me in paying my monthly bills while I was gone serving our country. ( I have attached a copy of the email confirming I was a member of XXXX. ) The monthly payments were being made on this auto loan however, the bank was not applying these payments correctly even though XXXX was making the payments on my behalf. I have retained possession of the vehicle. The payments are current and up-to-date. This incorrect reporting of a charge-off is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for I purpose.

44.6K 435 7667
Product: Credit card or prepaid card

I upgraded blue cash everyday card to blue cash preferred card with promotion of get {$150.00} statement credit after spending {$1000.00} within first 6 months on XXXX XXXX, XXXX. I upgraded the card through a link from the promotional email from American Express. I did spend more than {$1000.00} within 6 months, however, they didnt give me {$150.00} credit. I called them almost ten times, from last year till now. At the beginning they said the promotion is {$150.00} credit with {$1000.00} spending within 3 months! I said I keep the email and I could show you. They said theyll investigate this, probably within 10 or 14 business days. I waited but no solution. Then I called again, they said open inquiry and still no solution. And everyone said differently.