23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have sent a recent post about XXXX XXXX, Now this One is about U.S. Bank. I took a debt consolidation loan of XXXX with them. They sent me Cashiers check and was responsible for paying off one directly. I really regret doing this as it has been nothing short of a nightmare. I sent cashiers check to all creditors to pay off in full. I only had problem with XXXX XXXX. I tried talking to U.S. Bank about this and there response was I needed to take check to XXXX XXXX directly. Hmmm... Thats what I did. I took check straight to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Nebraska. I handed it to gentleman in customer service, and received a receipt paid in full. I also went to U.S. Bank and stood at counter for about an hour while XXXX who I did loan with called XXXX XXXX and tried to work this out. I think inexperience and lack of caring is a big problem here. I was given copy of cashiers check that XXXX XXXX had already cashed. Yet somehow also did a reversal. How you cash a check and do a reversal at same time is mind blowing. U.S. Bank was supposed to take care of XXXX XXXX XXXX directly. That transaction never happened. Then My loan is setup with first payment due today on XX/XX/2024. I have already setup bill payment with XXXX XXXX and they sent payment to U.S. Bank on XXXX. I called U.S. Bank and asked them why this was not yet posted. The response I got was XXXX XXXX would have sent check to me to pay off credit card. What in the XXXX are they talking about? This is a direct payment from XXXX XXXX to U.S. Bank. Now I have to believe this is U.S. Bank being inexperienced and causing these problems. In the mean time I had to endure several harassing phone call, emails, and postal mail bill collections. I have never ever been late on a bill or missed a payment until I did business with U.S. Bank. Almost Ruined my XXXX. Started off a bad XXXX XXXX. Can I get some help?
Product: Credit reporting, credit repair services, or other personal consumer reports

These are NON Account inquiries, and I have requested deletion of them.
( 1 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX  XXXX, NH XXXX ( XXXX ) XXXX.
( 2 ) XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX  ) XXXX.
( 3 ) XXXX XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX.
( 4 ) XXXX XXXX - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX, DE XXXX  ( XXXX ) XXXX I contacted XXXX XXXX XXXX XXXX XXXX/ about removing the following inquiries that resulted from credit limit increase requests made on line that did n't indicate Hard Inquiries would be done. I was told that I could dispute them with the credit bureaus without any affect to my account with them but I was told that I could n't by the Credit Bureaus. The following are the dates of the Inquiries on my report ; XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I bought XXXX XXXX XXXX year ago .I transfer money through my bank'account in XXXX XXXX ( XXXX XXXX .I tried to withdraw my funds four months ago to my subject account in XXXX however I get the same message Quote Payment method unavailable in your region .We are working making it a possibility soon. 
Unquote
Product: Debt collection

I am not sure of this debt. I sent validation of debt certified mail. I made payments to stop this from going on my credit report until validated, which they agreed if I made payments they wouldnt report. They reported the debt even tho the payments were made as agreed.
Product: Credit reporting

This XXXX XXXX account was paid in full via garnishment still reporting to the credit Bureau as a balnced owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries on my credit report are a result of identity theft. 


XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Vehicle loan or lease

Vehicle was purchased on XX/XX/XXXX and first repair was on XX/XX/XXXX mileage was under 12k. We have been to the dealership 4+ times to fix the issue XX/XX/XXXX we went into the dealership for an oil change they found a leak which the could not find the issue first said it was the transmission leaking then they said was a leak in the oil line kept car for a month finally replaced the transmission case. Car was said was fixed. We brought car back in XX/XX/XXXX for a noise which car started to vibrate GM got involved and had them run a test which now the said it needed new breaks which they replaced. Brought the car back in on XX/XX/XXXX for the same noise and dealership could not find the problem again they contacted GM again  as I did and updated of my issues and they said they cant find the issue but could here the noise brought car back in again 6 days ago and still cant find the issue GM said to run the XXXX again which was completed and still no resolution now the car sensors are going crazy. Dealership has tested everything and cant find the cause of it could be transfer case again not sure. This is a new car and we have had so many issues its has been in the dealership for over 60 days looking to get out of this lease and get into a new car I'm pregnant we have XXXX kids already and not feeling safe in the car. We have been complaining to XXXX and GM FOR MONTHS to help us get out of this car. As you can see the car has issues was going to file this car as a lemon with the lemon law because I have all the docs to prove and times I have been in the dealership. Need help on getting this resolved as we are not feeling safe in the car as GM and XXXX have been fixing the same issue and car is still not fixed.. The car is again at the dealership and we have no updates and GM is saying we cant repurchase because its still under warranty which hi have an email from GM saying this.. The car has been in 4+ times on the same  issue and GM is not helping to replace this vehicle
Product: Credit card or prepaid card

I closed an account with Capital One in 2010 after their failure to protect my account from being charged for items that I had not purchased. Prior to closure I had only used the account for travel activities. I have had no business relationship with Capital One since my retirement in 2010. Today I received a statement fro Capital One saying I have an outstanding balance of {$5.00} and they have accessed me fees of {$15.00}. They allege I used the card in XX/XX/XXXX, thus I reactivated the card. While they agreed to close the card they allege I am responsible for all charges and fees to date. I have not had a Capital One card or done business with this bank for over 7 years and did not charge anything to this old account in XX/XX/XXXX. I want the charges cancelled, fees written off, and no adverse report to any credit bureau.
Product: Debt collection

I ordered cable and telephone services from XXXX XXXX. When the cable installer tried to install the XXXX, he said that they were unable to install it due to the direction my building was facing. XXXX contacted me and stated that due to their inability to fulfill their contract, our account was cancelled. However, I keep receiving a bill for {$450.00}. I contacted the company 's president 's office, who took care of it. They sent me a confirmation email stating that it was resolved by crediting my account to show a {$0.00} balance. I received a bill from their collections afterwards, so I resolved it with their Collections Department as well. They admitted that they did not provide us with any services, therefore will stop pursuing us for this bill. Several months later, I receive another bill from North Shore Agency, a national collection agency, for the same amount. 
Yes, I initially did in fact place an order for telephone and cable services from XXXX XXXX. However, they were unable to install the XXXX, for which I ordered. They cancelled my account. I have not received any services from them whatsoever. 
Please advise how I should proceed. This is hurting my credit score.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to XXXX and XXXX Credit Bureaus last month. And now we are in the month of XX/XX/2021 and still nothing from them. That means XXXX and XXXX have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Remove these following accounts completely from my credit report : MIDLAND FUNDING - XXXX Balance Owed : {$830.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$1700.00} ; MIDLAND FUNDING XXXX XXXX Balance Owed : {$3100.00} ; MIDLAND FUNDING - XXXX Balance Owed : {$5800.00}
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/year>, persons impersonating Citibank staffers contacted joint account holder regarding potentially fraudulent charges to her card and cited a variety of both legitimate and unauthorized charges. 

The primary account holder then received a text notification indicating that a {$5000.00} XXXX payment was being processed. At no time did either of the account holders initiate, authorize or confirm a XXXX payment on XX/XX/year>. Receipient is a person unknown to either account holder. A call was made to Citibank fraud department on XX/XX/XXXX within hours of the initial text calling attention to the transaction and indicating that the XXXX transfer was not authorized and the recipient unknown to the account holders. XXXX was also contacted, and they referred the account holders back to Citibank. A police report regarding this incident was filed with the XXXX XXXX XXXX XXXX in Texas. 

This is with Citibank and claim number is XXXX. They provided me with results of investigation which were summary and incomplete, including an indication that they contacted the recipient but no information on the nature of that contact nor how they were convinced by this person unknown to the account holders that the transfer was legitimate. Seems to be a formulaic reply
Product: Credit card

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau ( CFPB ) Attn : Consumer Complaint Division XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Capital One Financial Corporation Chairman and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Attention Investor Relations Capital One account # XXXX Subject : Cease and Desist Unauthorized Use of Exemption Identification Number and Immediate Discharge of Debt Dear CFPB Representative 's Name, I am writing to assert my rights and register a formal complaint against Capital One Financial Corporation for the unauthorized use of my Exemption Identification Number XXXX and the subsequent closure of my credit loan account. 

As of this moment, Capital One Financial XXXX is explicitly prohibited from utilizing my Exemption Identification Number or any unauthorized signature associated with my account. I invoke Section 3-403 of the XXXX XXXX XXXX, which renders any unauthorized signature ineffective except when in favor of a person who pays the instrument or takes it for value in good faith. 

I hereby demand the following actions be taken immediately : XXXX. Provide a copy of the XXXX to cancel the debt of the credit loan account, as I can no longer use this account. 

XXXX. Cease any further use of my signature or access to my Exemption XXXX XXXX, in accordance with Section XXXX. 

XXXX. Dissolve my account and destroy all private data associated with it. 

XXXX. Provide proof of the dissolution of my account and destruction of my private data. 

Failure to comply with these demands will result in legal action to protect my rights under the XXXX XXXX XXXX and consumer protection laws. 

I trust the Consumer Financial Protection Bureau will investigate this matter with the urgency it requires and ensure that justice is served. 

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

I have contacted these companies as well as XXXX  to get these matters resolve but they keep replying saying that inquiries are factual data that I authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$16000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices violating the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

My wife and I closed on a new mortgage on XX/XX/XXXX. 
Our first payment is not yet do, It is due XX/XX/XXXX. 
We have made several accelerated payments to this loan And they have not been allocated correctly. 
Two payments were made towards principle prior to the first payment being due.

Neither of these payments were allocated towards principle and after several dozen calls to KeyBank and various departments they can not rectify their mistake. They are aware of it and agree with my read on the situation. 
The first payment was allocated correctly after nearly a week but the per diem interest has not been retroactively credited. This payment was made on XX/XX/XXXX. 
The second payment made on XX/XX/XXXX has yet to be allocated correctly and the Per diem interest has not been credited either. 
This has gone on for nearly 6 weeks now. I have been told several times this would be fixed within 24 to 48 hours and no records available to me show that anything has been done. 
This will most likely be satisfied in court. 
Further, and the biggest problem, is that these malicious or negligent misallocations are a systemwide problem affecting many KeyBank customers making accelerated payments.
Product: Credit card or prepaid card

I noticed a total of 4 charges on my card from the same location around last week of XXXX. I did purchase food from this location on XX/XX/20 but not for the other 3 shown below. 

XX/XX/20 : {$3.00} XX/XX/20 : {$14.00} XX/XX/20 : {$14.00} So I called Citi back for the first time back in last week of XXXX and explained the situation to the customer service agent. 
The charge for {$14.00} on XX/XX/20 was showing that it was still pending at the moment. She told me that she'll cancel my card and send me a new one. She also mentioned that it's going to be under investigation and it will be resolved. 

I waited for about 3-4 days and I logged on my account again to see if there was any updates on my dispute. I noticed that there was nothing under " open disputes '' on my account and I noticed another charge from the same location at XX/XX/20 for {$12.00}. So I called again and spoke to about 5-6 different departments and it was very frustrating because I had to explain the whole situation multiple times. I was told that the XX/XX/20 charge for {$12.00} won't go through because I already canceled the card and that everything should be resolved. 

I logged on my account again yesterday and saw another charge that was made from the same location on XX/XX/20 for {$3.00}. 
Now I have total of 5 posted charges from this vendor that I didn't approve or make.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with XXXX  and XXXX 'XXXX XXXX on credit report XX/XX/XXXX, XXXX- I submitted a dispute to XXXX through XXXX  XXXX  file # XXXX. I called XXXX  XX/XX/XXXX because the investigation was completed with no change to my credit report. I gave the file number and the rep saw the XXXX XXXX dispute. XXXX  advised to open another dispute, however ; I explained I've been having issues disputing the account on XXXX  's website that is why I disputed it through XXXX XXXX. XXXX  has no dispute links on their website to dispute the account and I communicated that to the rep. She gave me the online dept to assist XXXX. She was very combative and stated I needed to open another dispute. She also stated XXXX 's XXXX refused to update the incorrect inaccurate account that's paid in full. I explained the documents I have as proof can't be uploaded because I can't create the dispute online because their website doesn't give me the links to dispute the account. XX/XX/XXXX I called the online dept at XXXX and spoke with a gentleman that stated XXXX  isn't affiliated with XXXX XXXX and he had no record of my dispute and he gave no assistance to why I can't create a dispute online. I explained on XX/XX/XXXX the rep saw my dispute with XXXX XXXX with the file # XXXX. I told him he was a liar or the previous rep was and I've been trying to file a dispute directly with XXXX since XX/XX/XXXX, thus I had to dispute it through XXXX  XXXX. I further explained I needed to upload receipts of payment and letter from XXXX- XXXX to show XXXX XXXX the account is paid in full and the amount of {$140.00} is not what was owed to XXXX. I let XXXX know I could not upload these documents through XXXX XXXX on XX/XX/XXXX because XXXX just emailed them to me on XX/XX/XXXX which the letter from XXXX reflects the date of XX/XX/XXXX. XXXX had been trying to email me the receipts since I made payment on XX/XX/XXXX. 

I explained XX/XX/XXXX and XX/XX/XXXX to XXXX  that they left XXXX 's XXXX on my credit report without an effective investigation because if they had of contacted the original creditor which is XXXX  managed by XXXX they would know this account was paid in full on XX/XX/XXXX in the amount of {$130.00}. I further explained in my dispute through XXXX XXXX to XXXX that XXXX 's XXXX is consistently increasing the original amount of {$130.00} to {$140.00}. I communicated this XX/XX/XXXX to XXXX  during my call and the rep kept saying they didn't have an account with a {$130.00} balance. I explained that's the original amount and it states the original amount on my credit report. The rep was very combative.
Product: Credit reporting or other personal consumer reports

In XXXX XXXX XXXX I was contacted by Arivo due to my ex husband refusing to pay the car loan. He was ordered to refinance in his name during our divorce proceedings and given 100 % financial responsibility. He ended up refusing to pay and the vehicle was repossessed due to his negligence. I then made an arrangement with Arivo to pay half the balance. This was completed and fully paid off in XXXXXXXX XXXX XXXX. The other debtor to date has not paid anything. The load was settled and closed. However, in XXXXXXXX XXXX XXXXXXXX the debt was reported as late and open. Arivo states this is because of a new billing system. This has caused irreparable damage to my credit score by dropping it over XXXXXXXX XXXX which it has still not recovered. They stated it has been reported correctly however the payment history shows I was past due from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This is impossible as it was settled and closed.
Product: Checking or savings account

I am a beneficiary on a traditional IRA at First Citizens bank. The name they have listed for me as beneficiary is under an old name of mine ( it was my legal name at the time, but since then I have changed my legal first and last names. I have already provided First Citizens the name change documentation ). The person holding the IRA has died and I therefore I set up an inherited IRA with XXXXXXXX XXXX to have the funds transferred into. I completed the paperwork with XXXXXXXX XXXX  and XXXX sent them to First Citizens, then First Citizens rejected the request stating the name of the beneficiary does not match the name the check is to be written to ( and of course I had already explained to them about my name change ). On XX/XX/23 I received andemail stating that the only way they will issue the check in my current legal name is for XXXX to add the wording " formally known as ( my former name ) after my current legal name ''. I have spoken with supervisors at XXXXXXXX XXXX  and was told XXXX is unable to do this and that First Citizens has the legal responsibility to look at the name change documents I have provided them and issue the check in my current name. In addition, First Citizens needs to send that check directly to XXXX XXXX and follow the other instructions, so that it goes directly from IRA to IRA and is not treated as distribution. There is not a First Citizens branch near me ( the closest is about 2 and 1/2 hours each way and it is not clear that even if I drive there they will honor this ). I just need First Citizens to use the name change documents I have provided, I also have other things in previous name if that would help. Then issue the check as directed by XXXX XXXX. Please help! Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TXXXXn/Experian/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX : XXXX XXXX XXXX XXXX WAY XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX WY XXXX, GA XXXX
Product: Debt collection

On XX/XX/year> I requested a VALIDATION AND CEASE AND DESIST which is in accordance with the ( FDCPA ) to MIDLAND CREDIT MANAGEMENT VIA mail which they have ( XXXX ) different accounts reporting on my credit report. 
*XXXX  - XX/XX/year> I requested a XXXX VIA MAIL which hasn't been furnished to me but reflects charged-off written off. 
XXXX XXXX XXXX XXXX, XXXX I requested a XXXX ( XXXX ) accounts VIA MAIL because it reflects on my credit report as charged off, written off. These accounts have been written off a a profit loss and they are required to provide a XXXX so I can write it off as income.Under the FCRA, I can seek statutory damages if a creditor furnishes inaccurate information about a debt, such as incorrectly reporting a charge-off while claiming you owe the debt. 
XXXX XXXX XXXX XXXX XXXX ) ACCOUNTS XX/XX/XXXX, XXXX MAIL VALIDATION AND CEASE AND DESIST LETTER. 
XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS VALIDATION AND CEASE AND DESIST LETTER.