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

I initially started doing business with XXXX XXXX XXXX in XXXX of XXXX, and at that time i was prequalified for up to $ 1500-00 cash. 
I continued to do business up until XXXX of XXXX, at which time this merchant was paid in full. 
At the time I closed the loan I was not informed that there was possible changes of lending policies at that time in the future or fine print. I thought I was paid in full. 
I recently recieved forwarded mail from them on the XXXX XX/XX/XXXX, from this entity that I would be charged a {$180.00} " maintenance fee '' for having an available open credit line, on XXXX XXXX. 
I called to protest, and told them " how could it be so, I paid you in full? '' The CSR told me that as of XXXX the XXXX, if by then you did'nt OPT-OUT that it would be too late to do so. She expressed her apologies and then told me that there was nothing she could possibly do. I recieved this response from 3 different CSR 's I told her that I would call all the consumer support agencies that I could, because it was unfair. She conceded with me, and reiterated that there was nothing she can do.

She then told me that if i wanted to " OPT-OUT '' I would have to pay the fee of {$180.00} first only then i would be able to close my account. 
This to me folks is " consumer extortion '' at the least and the new way these types of entities harass consumers. Mr. XXXX XXXX is the President of this financial group, they are : T/A AXCESS financial, out of XXXX XXXX XXXX XXXX XXXX/XXXX.
Product: Checking or savings account

Charges on account that wasnt correct around {$500.00} dollars and it wasnt me. They said it was me and wouldnt give me my money or replace it. It doesnt even match my spending habits and this also happened to XXXX XXXX XXXX my niece, her aunt XXXX XXXX XXXX They keep charging late fees that I feel forced to pay and it wasnt even my charges. Please help. Thank you for your time. 

XXXX XXXX The bank was Bank Of The West
Product: Credit reporting or other personal consumer reports

It has just came to my attention that there are multiple hard inquiries on my credit report. I see that the inquirys are not done by me. Ive never applied for any of those. I tried to contact XXXX, XXXX  and XXXX on XX/XX/2022 via mail. No one ever got back to me and the hard inquiries are still there on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter that was submitted to the credit bureau shows it was a paid-for deletion account, and they are unwilling to delete the account from the credit report. TransUnion has removed the account, but XXXX and XXXX failed to comply
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past year I have compained to both Best Egg and XXXX about the attached account, where as best egg is impoperly reporting late payments and payment status. I have tried everything to get them to fix this error. Both point the finger at the other, My last letter was sent to transunion on XX/XX/XXXX with not response,, see attached. 

The account listed above has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 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 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 XXXX 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: Debt collection

As a service member in the United States  XXXX  when this lease was effective, I was protected under the Service Member Civil Relief Act with the right to terminate a residential lease, if there is a permanent change of duty station for no less than 90 days.  <P/> T ermination of residential or motor vehicle leasesSec. 305 ( 50 U.S.C. app. 535 )   Military persons who live in rental property are allowed to terminate leases entered into prior to a period of   XXXX   XXXX  . It applies to : ( 1 ) property leased for a dwelling or for professional, business, or farm u se, or other similar purpose, where the person leasing the property later enters  XXXX   XXXX  in military service, or where the service member executes the lease while in military service and thereafter receives military orders for a   permanent change of duty station ( PCS ) or to  XXXX  with a military unit for a period of at least 90 days.
The service member may terminate a property lease by delivering by hand, private business carrier, or mailing return receipt requested, a written notice and a copy of his or her military orders to the lessor or its agent.
<P/>  In     XXXX   2013, I did my due diligence and provided a WRITTEN NOTICE to the landlord in informing them that we were vacating the premises in 30 days due to military orders. The landlord ACCEPTED the written notice and made note that we were vacating the premises.
<P/>
To this date, there is a collections account on my credit report for {$3800.00} and this has dramatically impacted my credit score and report to the point where it is difficult for me to obtain credit and rent elsewhere!
I have attempted numerous times for the past 3.5 years to dispute this collections account. It is VERY SAD how this company and its representatives treat service   members!
Product: Debt collection

I NEVER SIGNED AN AGREEMENT WITH THIS CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I WAS NEVER 30 DAYS LATE. THIS IS A DUPLICATE ACCOUNT.
Product: Credit card or prepaid card

I stopped receiving notifications from Capital One via email as well as on the XXXX app. The app was also deleted from my phone, so I was not receiving notifications. I did NOT delete the app. I did not know a payment was dude, plus I keep a very low balance on that card. Typically less than {$65.00}. 

I have never missed a payment, ever. 

I spoke to an agent at Capital One : Name : XXXX - ID XXXX Date : XX/XX/22 Time : XXXX I am in good standing with a XXXX balance. 

Please do a one-time good will gesture to remove the late payment reporting. 

The negative item is preventing me from getting a home loan. My credit is in excellent standing otherwise. This one small missed payment caused by the lack of notifications is affecting my credit negatively. 

Thank you so much. 

XXXX XXXX
Product: Credit card

I was sent a citicard pre-aproved invitation for their double cash rewards Master Card. This is the second XXXX they sent. When I went online to accept I was denied a credit card with them. Now my credit score is affected because I took their word that it was already pre-approved. Two times they have done this. I need these applications for pre-approved credit removed from my credit history. Can you do this for me?
Product: Money transfer, virtual currency, or money service

Opened a account with Coinbase and earned to learn about crypto currency exchange etc. earned XXXX and XXXX XXXX and XXXX and others, so began purchasing and deposited money into account, also put XXXX into a vault, also put in money for XXXX XXXX before it came out, and now am unable to access my account and am told there's nothing left and I owe them money, I found an old statement from 2020 proves everything
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with Experian and XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2023 I initiated a transfer for XXXX from capital one bank to XXXX XXXX XXXX denied the funds as noted in my cfpb complaint to them CFPB Case XXXX. They stated funds would be on hold for 30 days and then capital one would need to to a SRXXXX  return on the funds. Capital one sent me ACH documentation stating the funds were rejected from XXXX  Tracing number XXXX. Claim/case number XXXX. Twice capital one has denied my claim. Manager said it was in wrong department and now dealing Richmond XXXX XXXX. Its been 2 weeks and still no resolution. Manager today said she didnt think they would be able to handle. Account XXXX. Would like the funds be returned to account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports XXXX/XXXX, XXXX XXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX My name is XXXX XXXX XXXX My phone number is XXXX ( XXXX ) XXXX
Product: Debt collection

I have a collections account from XXXX that was a fraudulent account from XXXX # XXXX, # XXXX not sure how the collections office put this account on my credit file but it needs to be remove/deleted asap.
Product: Credit card or prepaid card

I opened a XXXX XXXX XXXX XXXX Card from Upgrade in XXXX of 2022. Upgrade openly markets the account type I signed up for as being a cash back card. 

Over the course you using the card for a few months, I accrued cashback in the account. I have tried multiple times to contact Upgrade for how to make use of the rewards, however, they deny them to me repeatedly, most recently as of XX/XX/2022. 

After many slow and frustrating calls into customer support, Upgrade told me I need to carry a balance for " long enough for the rewards to kick in '' at 25 % + interest rate. 

In conclusion, Upgrade is telling me I can only access my cash back by paying massive amounts of interest. This is not in their terms of service.
Product: Debt collection

company known as CLIENT SERVICES calls every day at least once a day from different numbers located from all over the US. they are unable to confirm my information based on their records and are unable to inform me of when i entered into any form of financial agreement with them. my debt is neither with them nor was my personal information granted to them by myself.
Product: Debt collection

Calling my son XXXX Trying to collect a debt that is mine and not his.. When i called to confront them, they would not provide my complete address. I will not give them ANY information. They are contacting me..
Product: Checking or savings account

Bank of America did not notify me that my account was closed. I am a victim of a hacked account and bad check scam. Around XXXX XXXX XX/XX/2020 I received an email someone not me had mobile deposited a check into my account. When I logged into my account it showed my account was locked and did not let me access my money. I tried calling all the Bank of America NA and XXXX XXXX XXXX Area numbers and waited upto an hour without response. Bank of America is refusing to respond to calls. Bank of America is not giving my money back.
Product: Checking or savings account

On XX/XX/2022 there was a wire transfer of {$20000.00}. And, then followed by another on XX/XX/XXXX in the amount of {$30000.00}. 
Both of these wire transfers were made with out my authorization. When I found out ( 2 days after the second transfer ), I called Chase to report. They told me to file an affidavit and a police report. It took months before they finally accept the affidavit and the police report. However, they never contact me after that. I always have to call to check on the dispute ( at least 10 times ). On XXXX, they told me it was approved but I have to wait at least 10 business days for them to put the money back to my account, but they never did. I called them back. A lady answered the phone and she said it was denied. I was in shock. That lady told me whoever said that the money was approved, was wrong. Then she asked me some questions such as what kind of a phone do I have? Have I been in XXXX XXXX? Do I always have the phone with me?. I truthfully answered all her questions. She told me they will work on the dispute again. A week later, I called again they told me to give them 10 more days. Today XX/XX/XXXX, I called Chase, a man told me they have made the final decision, my dispute was denied. According to them, I use my phone to accept the transfers. I never did that.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft there are inaccuracies on my credit report and they were unauthorized. I had fraud alert on my credit profile the credit agencies failed to contact me via phone to VERIFY information or applications.
Product: Credit card or prepaid card

Credit Karma sending numerous emails stating that I qualified for many different credit cards. Was denied one everyone I applied fot
Product: Checking or savings account

On XXXX XXXX I went to take out money I just got paid and my acct was blocked so XXXX called Us bank to ask what was going on and they told me they blocked it cause they seen suspicion activity on my acct and they asked me if I did a transaction of {$300.00} and I told them no cause I didn't so right away they stopped my debit card from being used and ordered another for me and since I still had my debit card and I told the bank my phone was reported lost cause I lost it and I told the bank that the person must of gotten my bank info from my phone so they said it would be a good idea to get a different acct number so the bank closed my acct and open up a new acct in the mean time the bank posted the {$300.00} back to my acct than on XX/XX/year> the bank to back the {$300.00} and I got a letter telling me they were done with their investigation and the bank said that they verified that I received benefit from the transaction and my claim was denied so they are reversing the provisional credit issued to my acct so u called to get a copy of the documents used during their research so that's when they gave me the name of the person that was involved in the transaction I told them that was my niece and I never gave her permission so I went to the police station white XXXX XXXX jail and did a police report and called US Bank and gave them the case number to the police report on XXXX XXXX she is my niece but I did not give her permission to take money or received money in any way so it is wrong what the bank is doing to me.
Product: Credit card

I first mailed a payment to Caesars Rewards Visa, Comenity Bank via USPS Priority Mail with tracking number with my full account number on the check and I mailed it with my payment coupon to the address that was on the payment coupon. A month went by with no payment posted. I refinanced my home, and this was a debt that was being paid off. My mortgage company stopped payment and processed a second check that I mailed to the same place back in XXXX. When I call or message them they just tell me to pay it online. My mortgage company does not pay this way and I should be allowed to mail a check and it be posted to my account. To this date my payment has not processed. I have sent numerous messages to the company because the amount of interest that has amassed since last XXXX when this payment should have been processed. I called and am given the run around every time I call. I work XXXX plus hours a week and all I want is my check to be posted to my account. I do not understand how you can say you didn't get a check when I mailed with a confirmation number and it shows delivered to your address. There is still an uncashed check floating around out there and all I want is that it be posted to my account.
Product: Debt collection

Aldous and associates is reporting a {$1100.00} collection on my account with no validation of this debt and without proof of my authorization of release of my PHI from any medical provider or organization. I have already attempted to verify through XXXX and received no information other than it was validated, but no breakdown of charges or a HIPAA release authorization proving they have right to my information.
Product: Mortgage

My wife and I recently refinanced and paid off our Wells Fargo mortgage loan. We paid our own insurance and taxes and no escrow was ever opened under our Wells mortgage. According to Wells ' XXXX/XXXX/15 payoff quote, the total amount due through XX/XX/XXXX was {$370000.00}. Also per the payoff quote, for each additional day, per diem interest of {$33.00} was required. Our transaction closed on XX/XX/XXXX, but on a refi there is a mandatory 3-day rescission period ( excluding Sundays ) before funding can take place. So the funding date for the loan was XXXX. XXXX XXXX added 7 days of per diem interest to the payoff, which made it good through XX/XX/XXXX ( {$33.00} x XXXX = {$230.00} + {$370000.00} = {$370000.00} ). The wire confirmation I have obtained from the title company reflects that {$370000.00} landed in Wells ' account on XX/XX/XXXX. At this point, Wells owed me 1 day of per diem overage totaling {$33.00}. 

Also on XX/XX/XXXX, Wells accepted an automated monthly P & I payment of {$1700.00}. Because my loan had already paid off, Wells now owed me a total of {$1800.00} ( {$1700.00} + {$33.00} ). 

Bizarrely, on XXXX/XXXX/15, I received a " Notice of payoff shortage '' letter from Wells telling me I owed Wells {$47.00}. Because this appeared to be in error, I called Wells, and after getting bounced around to numerous representatives I finally spoke to someone who said Wells would open a " work order '' and that they would issue me a check in the correct amount. 

Perplexingly, Wells then sent me a check dated XXXX/XXXX/15 in the amount of {$1700.00}. After more calls and getting passed around to a bunch more representatives I was connected to a Wells representative named XXXX XXXX, who promised to look into all this and get back to me. I gave her my work number and asked her to reach me there during business hours. She did not call. I called her and left a message for her to call me at work. She called me back a few days later, during business hours, but at home. I left her several more messages. She called me at work, but after business hours. I left her several more messages asking her to call me at my work number, between XXXX and XXXX CT. 

I have n't heard back from XXXX and Wells still owes me {$80.00} ( {$1800.00} - {$1700.00} ).
Product: Credit reporting, credit repair services, or other personal consumer reports

At Freedom from Debt Relief program, currently there is {$5900.00} in my dedicated account to pay off a settled debt of {$5900.00} which will leave a balance of {$61.00} due to be debited from my checking account XX/XX/2022. My account with them will have the exact amount through which the balance of {$5900.00} can be paid. They are refusing to pay off the debt with the available funds and are looking to debit more funds from my checking account. Friday XX/XX/2022 is the last payment in which {$61.00} will be debited from my account because that will be final amount owed to the settled debt.
Product: Checking or savings account

On XX/XX/2022, I mailed a Check XXXX XXXXXXXX payable to XXXX XXXX for {$4200.00} to pay an open balance. On XX/XX/2022, I was on my XXXX XXXX website & I noticed that the {$4200.00} balance was still open & that the check was not posted. I then went on my TD Bank checking account website & saw that check was cashed on XX/XX/2022. The endorsement on the back was someone forging my name and then signing some name under that who was obviously an unauthorized signer. There was no mention mention of XXXX XXXX even though the check was payable to XXXX XXXX. I immediately notified the TD Bank Fraud Department and they took my information & froze my account. They sent me to their local branch the next day to fill out an Affidavit of Forgery & other TD paperwork. I even received a follow up letter from them acknowledging receipt of this paperwork. They said that it could take 90 - 120 days to resolve since they have no control of another financial institution. It turns out that XXXX XXXX Bank received the check for deposit. It is over 7 months & still no resolution. I called them back after the 90 days to follow up & they couldn't help & referred me to my local branch. I even went to local branch to follow up on XXXX XXXX & they couldn't give me an answer either. This is not right & I am getting the run-around. Can you please help? I have copies of all documentation including a copy of the cashed check if needed. 
Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally request assistance regarding unauthorized or inaccurate credit inquiries that remain on my credit report despite my efforts to dispute them with the credit bureaus.

I recently reviewed my credit report and identified unauthorized inquiries from XXXX XXXX XXXX, dated [ XX/XX/XXXX and XX/XX/XXXX ] and XXXX XXXX on XX/XX/XXXX. I did not authorize these inquiries, and as a result, I disputed them directly with the credit reporting agencies ( Experian, XXXX, and/or XXXX ) . However, despite my dispute, the credit bureaus have failed to remove the inquiries from my report. I ONLY AUTHORIZED XXXX TO RUN MY CREDIT 1 TIME. ON XX/XX/XXXX WHEN I APPLIED ONLINE. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information on my credit report and request its removal if it can not be verified. Since these inquiries were not authorized and the credit bureaus have not taken action, I am now seeking CFPB intervention to ensure that Experian removes these inquiries from my credit report.

My information has been leaked from Experian and XXXX and there have been several instances where my credit has been compromised due to their negligence.