23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I have successfully taken and repaid a loan with uprova in the past and continuously receive emails telling me that I'm eligible for a new loan and to reapply. I have applied 5 times each time getting denied and I never received a letter stating the reasons for denial for any of the applications. I contacted the Uprova informing them of this and each time they continued to tell me that I will receive reasons why the application was denied via email within 30 days. I never once received an email stating any reasons why my application was denied. Furthermore, just 2 weeks after applying and being denied I would receive an email from Uprova stating that something in my credit file may have changed and to give them another chance and to reapply. I submitted another application only to once again be denied without explanation. I filed a formal complaint with the company and on XX/XX/2023 the complaints department emailed me stating that the reason my applications were denied was because Uprova couldn't work with the financial institution listed on my application. That is the only reason they provided and I was never given the opportunity to provide alternate account information. Moreover, I requested that Uprova provide me a list of financial institutions that they can work with and specifically asked if they could work with XXXX XXXX XXXX XXXX. If so, I offered to provide my account information since that is the only reason stated the application was denied and did not receive any response. I feel they are untruthful and not offering me the same credit opportunities as others.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Product: Credit reporting or other personal consumer reports

On my credit report its showing that a debt is owed to Danco Financial with outstanding balance that I am not liable for. I reached out the company the debt was sold to XXXX XXXX at XXXX. The debt collector provided a 10-99C showing that Danco Financial received funds for this debt. The debt collector is trying to request funds from me that Danco Financial wrote off and received money from the government on this bad debt in XX/XX/XXXX
Product: Vehicle loan or lease

Im writing in regards to a recent lease buyout for my XXXX XXXX XXXX. 

Before securing financing for the vehicle, a payoff from XXXX of XXXX was given to me in the amount of {$34000.00} and was good through XX/XX/XXXX. On XX/XX/XXXX, this check was applied to my account in that exact amount. My transaction history showed my balance was {$0.00}. 

After a couple of weeks without receiving any correspondences from XXXX or Ally, I pulled up my Ally app and noticed that on XX/XX/XXXX, that payoff transaction was backed off of my account and noted reallocations. My account was nowXX/XX/XXXX past due. I contacted XXXX of XXXX, and someone in finance was able to contact Ally and get it the issue resolved. I never learned what caused the payment to be backed off. During this time, I was unsure when the payoff would be reposted, and my account was nearingXX/XX/XXXX days past due ONLY because of that payoff being reversed. I decided to go ahead and post a payment for {$400.00} on XX/XX/XXXX to protect my credit while I waited for that payoff to be reapplied. The next day, XX/XX/XXXX, {$34000.00} was posted to my account. I fully understand the payoff was {$400.00} less than before because of the payment I made, but Ally was paid {$34000.00} TOTAL, when the payoff amount for the loan was {$34000.00}. 

Ally owes me {$400.00} and is refusing to pay it back to me, claiming it was XXXX payment. Yes, it covered XXXX payment because of ALLY reversing my payoff weeks prior and not contacting me or the dealership with a reason why. They just let it sit and continue to go past due. 

The amount of {$34000.00} should have been posted as a payoff and a check for {$400.00} in overage mailed back to me. Instead, I received {$0.00} back in the mail. I have called Ally several times and been hung up on twice while being put on hold. I am being told over and over again I am not owed any more than {$0.00}. No one will listen to and grasp what I am saying, I have had XX/XX/XXXX customer service representatives tell me Ally doesnt owe me any more money. 

I expect to be contacted in regards to this issue within XX/XX/XXXX days from the date of this complaint, or further action will be perused. 


Thank you
Product: Checking or savings account

Bank Of America XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX The bank debit from my savings account the Amount of {$160.00} Without my consent and with any reason. 

Spent 5 days calling the bank customer service with no answers about this debit, actually they don't know why the bank is making this debit nor offering any solution about the stolen money. 

Keep calling them with no answers and no refund. The bank is steeling my money. I really need help on this. 

Thanks a lot advanced.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit card company   XXXX    XXXX  had a dispute on resolve yet alleged compliant solve spoke to  XXXX  at corporate office send duplicate bills with rearrange sub totals rearange debt don, t match purchases deposit and payments attached memo indicating deposit to established secure card does not appear on statement and it should appear in the the day to day balance, also unauthorized withdrawal from account after payment was made reported payment history as late in  XXXX    XXXX   to credit bureau when they applied the secured deposit to balance indicated account close by me i never closed account they issued card ending  XXXX  with out my consent to offset balance when request fro breakdown on how deposit was apply from to month when was open no statement for  XXXX  or ending balance statement to  XXXX  this matter has not been resolve please contact me for further detail  XXXX   XXXX   XXXX  duplicate statement send does not match original statement this account has never receive late payments u indicate payment receive were late let see bank transmittal for payment from bank to bank this account never been late on payments you have not resolve this matter this matter ramin open with all not mentioned forthwith
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, Transunion and XXXXXXXX XXXX violated HIPPA Laws and Rules. 
XXXX. XXXX, XXXX, Transunion, XXXX in violation of FCRA Act Unauthorized access to my credit file. 
XXXX. Don't owe a {$1300.00} medical bill. 
XXXX. Unauthorized disclosure of medical information. 
XXXX. I have been harmed by inaccurate crediting reporting. 
XXXX. XXXX XXXX, XXXX, XXXX, Transunion illegally accessed my frozen credit file for profit.
Product: Checking or savings account

To whom it may concern, On Sunday  XXXX   XXXX  I reported to Chase Bank that my card had been stolen and fraudulent transactions had occurred without my authorization. The transactions that were a result of my card and pin number being compromised are detailed below : ATM DEBIT  XXXX   XXXX   XXXX   XXXX  - {$500.00}  XXXX  POS DEBIT   XXXX   - {$850.00}  XXXX  POS DEBIT  XXXX  - {$850.00}  XXXX   POS DEBIT   XXXX  - {$28.00}  XXXX  ATM  DEBIT    XXXX   - {$42.00}  XXXX   POS DEBIT   XXXX  - {$58.00}  XXXX  The last authorized transaction I made was at an ATM withdrawal for {$100.00} at  XXXX  at  XXXX   XXXX   XXXX   XXXX . That was the last time I saw and used my card, from that point on I was unable to find my card. I woke up and found that my card was missing from my wallet, looked around some, then checked my account to see the balance. Once I saw that unauthorized transactions had occurred I called chase claims immediately.   When I called claims I was incredibly distraught and overwhelmed by my account having been compromised and drained of all funds. I provided information to Chase claims based on what I assumed had happened with the card. My card was lost and somehow the pin number was compromised without my consent or authorization, so I subsequently filed a police report with  XXXX  PD regarding the illegal activity.   Chase Bank denied the fraudulent claim based on the information I provided them the morning of finding out my card had been lost. They believe that I gave consent and authorization for these transactions by giving my pin number to someone and then that person then making every charge thereafter which I disputed the following morning as fraudulent, when in reality, I was with someone at the time of my last ATM withdrawal, but this does not dictate that this person was absolutely the one who somehow retrieved my pin and then made the following transactions as cited above. Chase denied my claim when under the circumstances I should have been protected against this case of fraud because I did not make or authorize any of these transactions, nor did I give away my pin number with consent for someone other than myself to make transactions on my behalf.  <P/>  Chase  claim # :  XXXX  Checking account # :  XXXX   XXXX   PD   Debit Card fraud c ase # :  XXXX   XXXX   PD  Lost Property case # :  XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a recent data breach that has compromised my personal and financial information. As a result, I am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

There are five steps to submit your complaint : Step 1 : What is this complaint about? 
XXXX XXXX I paid my credit card off. 
Went to bed and forgot I paid it off and when I woke up i paid it off again the XXXX of XXXX. 

Step 2 : What type of problem are you having? 
The XXXX of XXXX I realized what I had done and called the credit card company and asked them to please deposit my money back into my checking account and was told the bank would have to do it and get InTouch with them Monday. 
Monday came and I went to three branches and never go an answer other than they have the right to keep your money for three days. 
Three days came and went and my bounced accounts kept adding up.

Step 3 : W
hat happened? 
I'm now up to about XXXX XXXX in insufficient funds, if not more by now. 

Step 4 : What company is this complaint about? 
My Checking account is with Regions Bank and my credit card is with Regions bank. 

Step 5 : Who are you submitting this complaint for? Myself, XXXX XXXX
Product: Credit reporting or other personal consumer reports

You deleted 5 XXXX credit cards and added them back and deleted 1 XXXX  XXXX XXXX card and added it back! Why? This is illegal! These are identity theft fraudulent applications! I demand you remove them permanently and do NOT add them back. If you do not permanently remove them and if you ever add them back I will pursue legal action. 

Do NOT mark this case as duplicate as this is not! You failed to remove information and I need it removed per FCRA Section 611 you must permanently delete everything that is identity theft. I read your response and it is inaccurate. I still see 5 XXXX / XXXX / XXXX credit cards ( one listed as other ending in XXXX one is listed as ending in XXXX one is listed as ending in XXXX and one is listed as ending in XXXX and one is listed as ending in XXXX ) on my account and I still see 1 XXXX XXXX XXXX or XXXX credit card ( ending in XXXX ) reporting on my account and I still see 6 XXXX / XXXX / XXXX hard inquiries reporting on my account and I still see 2 wrong addresses ( XXXX XXXX and XXXXXXXX XXXX ) reporting on my account. These are all fraudulent due to identity theft and Must be deleted immediately! You also keep adding these items back and these are fraudulent identity theft and this needs to stop. 

Per FCRA Section 611 you must delete these items permanently immediately as they are identity theft fraud. I will pursue legal action if you do not permanently delete them and if you ever add them back.

Again I will repeat : You are failing to remove the credit cards that I never opened and the inquiries that I never made even after I sent over my FTC documents and Police Reports. However the hear fraudulent inquiries and credit cards were added back to my credit reports fraudulently. 

These credit cards and hard inqiruies need to be removed immediately and NOT added back : Credit cards to be deleted permanently and never added back All of XXXX  XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and XXXX  XXXX credit cards that appear as closed need to be deleted immediately and also notify these companies so they can delete them on their end. Inquiries to be deleted permanently and never added back : All of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX hard inquiries need to be deleted immediately and also notify these companies so they can delete them on their end. Again this is identity theft and by law you are required to delete all of them and required to reach out to the banks and companies to delete them and required to reach out to all other primary and secondary credit bureaus to delete them. This must happen immediately. Please do not add these items back again! If you do not permanently delete them and if you add them back, I will pursue legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian and XXXX accounts under my SSN had been used by someone else. 
On attempting to fix them to my name and personal info, it took a month and half to fix my XXXX. It's been two months now, and my Experian STILL hasn't been fixed even after faxing and mailing my documents 4 times now. 

I even found out from my XXXX report that the person who commit fraud has opened 10+ credit cards and a few loans under my SSN. I need to fix this ASAP.
Product: Checking or savings account

I tried logging into my online account with Chime XX/XX/2021 and got a message that my account was closed. I checked my email and found an email stating my account was closed and no further information was available. I have no idea why they chose to close my account they stated that I violated their agreement. My direct deposit from work also was set up with this account. I notified my job and they are going to help issue a paper check next payday. I have approximately {$500.00} in my account. I had 2 accounts linked together with them. Savings and a credit builder account. Both had a balance but I'm am not sure the exact amounts.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Capital One asking for debt validation. To date, they have not sent any communication to me, but continue to report on my credit reports. My attached letter includes my name and account number ( as reported on credit report ). I have also sent letters to XXXX, XXXX and XXXX asking for debt validation. In all 3 cases, they have responded back as the debt is verified. I followed-up with a proof of debt verification letter, and have not received responses from any of the three credit reporting agencies. Since I sent the letter certified, I am attaching proof that my letter was received to Capital One on XX/XX/2020.
Product: Credit card or prepaid card

I discovered fraud on my American Express platinum card in early 2022 at which point I made American Express aware of the situation. They at that time informed me they would respond to me with a resolution letter within 30 days at latest 90 days, its now been close to 10 months. I havent received a resolution letter, and I have proof from the vendor acknowledging the charges were fraudulent. American Express has not been getting back to me, even though I have had agents say they sided with me but fail to have credits post to the account. I even mailed my dispute in under the fcba and they failed to even open the claim. it took me hours on the phone to get them to reopen the claim. My ideal resolution would be for the claim to be reopened and the charges that were fraudulent to be credited back to my account.
Product: Mortgage

We recently closed on our mortgage back in XX/XX/2022. We received confirmation on our documents that the funds to cover our county taxes were collected up front and put into our escrow account. The amounts we were required to pay every month to go into and towards our escrow and taxes were analyzed by our lender. It is almost time for our taxes to be disbursed and we received the Property Tax bill, and it is much higher ( over {$2000.00} short ) than what was collected upfront and calculated to cover this cost. It is going to create a shortage in our escrow account and make our monthly payments go up higher. This is going to create a hardship due to an error on the lending company not calculating and collecting the correct amount up front. This should not be something we have to make up for, the Lender should be responsible for this shortage we are just starting off with obtaining our home.
Product: Checking or savings account

The alleged action issue of account administration regarding XXXX XXXX XXXXXXXX left in estate will forbides listed. Rewritten documents altering the originator 's name ( XXXX XXXX XXXX XXXX changed to XXXX of initial line of instruction, i.e fraud of will ) The first bold faced writing of the entire instruction stating verbatim. " IN TRUST, NEVERTHELESS, to invest or reinvest the same. '' Accusations in accounts of trustee XXXX XXXX XXXX inquires improper investment of funds into XXXX XXXX XXXX. Withdrawing of co-founded B of A ( Bank of America ) account and third time of administrating and title name change. The stated account ended up in a name unother and unaurthorized of me and depleted. This unadvised rule allowed CPA XXXX to remove the title, Beneficiary of Trust, from the account funding investment with XXXX XXXX XXXX. Mishandling of the 35 year old account led to me not once having a say of its use though requested by my grandfather, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my XXXX  credit report. Information is incorrect on the report. I tried 3 different numbers to reach them to dispute this information. All 3 numbers I can't get to dispute this incorrect information. XXXX XXXX XXXX. I also tried to go online and dispute these wrong accounts which is affecting my credit score. Again the system will not allow me online. There is an account XXXX XXXX XXXX XXXX that is reporting wrong. Account was paid in full plus the account was open and paid in full over 8 years ago. It's showing as negative. Which is completely wrong. Another account is XXXX XX/XX/XXXX which is showing late in XXXX and XXXX. I had lost work due to layoff and contacted XXXX  XXXX  immediately to see if I can set up for lower montly payments. I was told I can pay XXXX for the next 3 months and nothing will be reported as late. Well it was reported late.This is affecting my credit score. I explained due to corona virus I was laid off work temporarily. The other one is XXXX  XXXX XXXX that was opened back in XXXX this information is outdated and should be removed off my report. I am aggravated that I can't speak to XXXX  to have them correct my credit report.
Product: Debt collection

Midland Credit Management has been harassing me over an old debt on and off for a few years now. I tried to set up a payment arrangement with them initially in XXXX but they stopped sending me the payment coupons. In XXXX when they contacted me I tried again to work with them but they were very aggressive about the amount they wanted me to pay, making demeaning comments about the amount I could afford to send each month and trying to insist on automatic payments, which I am unwilling to do. I simply do not trust them to have the authority to automatically make withdrawals from my checking account, which they insist on. Additionally, their system would refuse to take a card payment by giving you error messages and their representatives would then try to bully you into using your checking account. I was able to get XXXX payments to go through in XXXX. I have not heard from them since, until late XXXX when a fake XXXX  envelope showed up at my home telling me I was in Pre-Legal Notification and if I didn't pay the full amount they would have a judgement entered against me and it would be enforceable under state law. This debt is so old it is in my maiden name. I have been married for XXXX  years. I have never received proof I owe this debt despite requesting it from Midland. I believe this falls under XXXX XXXX  year statute of limitations. Additionally, Midland has never provided an itemized breakdown of the alleged debt, which is also required in XXXX. All correspondence from them simply lists a current balance or payoff amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural Person, I am a living Human Being. I have rights under 15 U.S.C 1681. 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 or other personal consumer reports

i am reporting fraudulent hard inquiries in my Experian, XXXX and XXXX XXXX report.please delete these inquiries-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX