23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX, a debt collection attorney, sued me on behalf of XXXX XXXX for a personal loan debt. I acknowledged the debt, and the court ordered me to pay {$200.00} on the XXXX of each month until the balance was settled. For my first payment on XX/XX/year>, I sent Swann a personal check and specifically requested that he not deposit the check until the due date. 

In XXXX, I mailed Swann two checks : one for the XXXX payment and another for XXXX. He deposited both checks early, XXXX on XX/XX/XXXX and the other on XX/XX/XXXX. In XXXX, I sent him two more post-dated checks, covering payments for XXXX and XXXX. However, I discovered that he deposited the XXXX check on XX/XX/year>, ahead of the agreed-upon date. I promptly contacted XXXX via email, questioning why he cashed the check early and informing him that his action had caused my bank account to overdraft. My message was ignored, and I received no response. 

On XX/XX/XXXX, I received a letter from Swann returning the post-dated check for XXXX, stating that his firm does not accept post-dated checks. This came as a surprise, considering he had accepted such checks just a month prior. I inquired if Swann intended to reimburse me for the bank overdraft fees caused by his early deposit, but once again, he did not respond. I informed him that his actions were in violation of the Fair Debt Collection Practices Act and that cashing checks before their due dates was unethical and unacceptable.

I am requesting that Swann promptly addresses this matter by reimbursing the overdraft fees incurred due to his negligence and adheres to the original payment agreement going forward. I expect a timely and appropriate resolution to prevent any further issues.
Product: Debt collection

My name is XXXX XXXX I have a loan out with Lending Point now its with XXXX XXXX XXXX XXXX XXXX Texas I been trying to get this collection agency to give me a statement on my account I have never received any debt collection from this company or the original loan company it is on my credit report I have tried to pay this loan Ive been sick with XXXX and trying to resolve this and debt Collection company will not release my information I have filed XXXX XXXX XXXX and report the FCC commission and trying to file a small claims with the state of New Jersey to try to get this paid can you please help me XXXX
Product: Checking or savings account

I was nearly XXXX in a XXXX XXXX XX/XX/2018. During recovery in the hospital I failed to in sure the funds in my bank of America account were sufficient. While all my deposits went to my XXXX XXXX checking account, all of my withdrawals came out of my Bank of America checking account. Bank of America charge nearly {$500.00} in overdraft fees, and agreed to waive {$140.00} of those fees due to my incident accident. At that time I transferred {$1500.00} to cover all late payments and fees. Bank of America immediately with Drew the farthest from my XXXX XXXX checking account, But they held nearly the entire transfer ( pending ) for seven full days leaving me no access to the funds whatsoever causing exponentially higher fees from every single credit card I have on a daily basis as they re-tried/allowed retrial withdrawal and reversal the payment over and over charging {$35.00} overdraft fees to my checking account each time as well as a {$25.00} return payment fee to the credit card requesting the withdrawal. This math equals : {$35.00} + {$25.00} x 6 credit cards x 6 withdrawal attempts each within 1 week. This occurred after spending 4 hours on the phone with multiple levels of Bank of America supervisors is trying to solve the issue. My former complaint was over around {$260.00}. I know Im complaining over nearly {$1000.00} in overdraft fees charged after Bank of America America knew the full details of the severity of my near XXXX XXXX and the lenght, XXXX, and medical cost of that rehabilitation. A representative from Bank of America left me a voicemail on my cell phone around XXXX XXXX, and asked me to call him back at a extension number which I now realize was fake. Their social media department also sent me two separate links asking me to provide personal information, these links were both also fake. I assume this is an attempt by Bank of America to create fake evidence that they have attempted to resolve this with me. They have done absolutely nothing of the sort. I have spent nearly 72 talking hours on the phone with every financial institution Im connected to trying to solve this issue, which I have the funds to solve, but Bank of America has completely lost their mind with their automated theft machine that governs their customers checking accounts.
Product: Checking or savings account

I'm filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Checking or savings account

TD Bank changed their policy to charge overdraft fees when pending transactions overdraw the account and do not allow customers to remedy the overdraft with the instantly availability created by a cash deposit, something every other bank allows. When questioned, customer service retorted that this was requested by customers. When pressed on the issue, customer service cleared out my inbox.
Product: Consumer Loan

I originally had a loan set up for a new car I purchased through Wells Fargo Dealer Services. After a few months I decided to have my loan refinanced through a local credit union. The balance on the loan with Wells Fargo was paid in full by the credit union and yet Wells Fargo withdrew an additional {$270.00} from my checking account. I have called a number of times to their customer service number and been told " no one that works here can talk to me about my charge. '' I emailed my complaint to Wells Fargo Dealer Services and they responded that it would have to be handled over the phone. This has been ongoing for over a month.
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from any of the reported accounts. Block and remove. Please pay per validation in the amount of {$1000.00} per outstanding item listed on the consumer report, per the Affidavit submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed student loans from my credit profile the loans are 8 years of age 15 U.S Code S 1679 states the credit bureaus must remove accurate, negative information from your credit report if its over 7 years old my rights has been violated as a citizen as the debt still remains on my profile
Product: Credit card

Signed up with Capital One Venture card with a limit of {$25000.00} for the fact they were offering 12 months no interest. I have been accumulating interest on the account prior to the 12 months. Spoke with numerous representatives at Capital One to resolve the issue. Have been told several times that I would be contacted back after further investigation into the account. I have still not received any calls, besides to collect payment which I am no longer interested in making until the issue is resolved.
Product: Credit card

Citi Cards Dispute Case XXXX XXXX Merchant XXXX XXXX XXXXXXXX XXXX GA Reason for Dispute Incorrect amount Transaction Date XXXX Date Disputed XXXX Credit Status Permanent Credit Applied Transaction Amount {$99.00} Amount Disputed {$77.00} STATUS DETAILS Good news! We've taken care of this for you by issuing a permanent credit for this dispute. 

However, Citi cards allowed Merchant to REVERSE and double charge {$77.00} again.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen me and my family of XXXX will be facing XXXX  due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter IDENTITY THEFT REPORT ATTACHED I HAVE 3 IDENTITY THEFT REPORTS ATTACHED SO MUCH STUFF COULDNT FIT ON ONE REPORT. Companies listed below are reporting accounts obtained thru identity theft.which is a violation of the Fair Credit Reporting Act, 15 USC sections 1681i, which the Credit Bureaus are obligated to finish their investigation within 30 days. The 3 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 ), I need the fraudulent inquires and accounts deleted now and stop account from being active now : XXXX XXXX XXXX, XXXX XXXX, XXXX also please remove all consumer statement XXXX advised before they hold incorrect phone numbers my phone number is XXXX only, XXXX XXXX XXXX Is still on my file which is really hurting my credit from fraudulent activity I want it removed this an ongoing issue also my ssn is XXXX bank statement attached drivers license attached social security card attached as well and I been asked for a freeze this is why this is a continuous issue please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not satisfied with the response to my previous complaint on XX/XX/22. Violations include TILA 1601 and FCRA. ***See attached document***
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. 
Some of the people reporting things on me. I have never heard of which made me write to you all. 

Are you familiar with something called 15 U.S.C. Sec. 1681 i ( a )? I hear that if you can't provide proof, these accounts must be deleted. Well. I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 
Name of Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX
Product: Money transfer, virtual currency, or money service

I was talking to a woman named XXXX XXXX, whom her email is XXXX. We agreed to exchange money for 2 tickets for a concert, the concert tickets never came through. She suggested for a " friends/family '' transaction through Paypal, and then never sent me the tickets. I tried to dispute this transaction through paypal yet they were of no help at all. I have the emails and conversation showing this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

In according with the Fair Credit Reporting act XXXX, Account name- XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Capital One to make an arrangement to settle on my dbet. The representative told me that I couldnt do the payment which would have been {$740.00} and some change to come out of my account the following day. I call the following day which is today XX/XX/XXXX to again try to pay the settlement amount and clear up the debt. First I was told the computers were down to call back in two hours. I did call back and try to set it up again to pay the settlement amount then I was told it was too late they count went into charger off status. I was then told to call back in te hours to speak to a supervisor because the computers were still down. After speaking to three different people including a supervisor who refused to take a payment to clear up this day on two separate days I was unable to settle this debt. I explained I had signed up with XXXX XXXX XXXX XXXX XXXX to help with my debt and somehow after pay {$250.00} since XX/XX/XXXX I saw no improvements. However Capital One has received correspondence from the company and was aware. On both days when I tried to settle the debt myself payment was refused. I also tried to pay the full amount on line and the payment was some how canceled after it showed it was accepted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer report # XXXX on XX/XX/2021 and viewed my rights to privacy, invasion to privacy where violated. In addition no consent was given to report these items on my consumer reports. 

15 U.S. Code 1692 15 U.S. Code 1681 15 U.S. Code 1681b The following are the items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MI. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX
Product: Credit reporting or other personal consumer reports

i have been checking my credit score and there was multiple dates and places where this person has been using my identity around about a few months before XXXX is when i had lost my wallet on the bus coming home from work i dont work there currently, the places and dates that this person has been using my credit cards and my identity colorado id is XXXX XXXX XXXX XXXX inquired on multuiple dates stating from XX/XX/XXXX, XX/XX/XXXX XXXX etc to XXXX. 
XXXX XXXX XXXX : inquired on two dates XX/XX/XXXX, XX/XX/XXXX experian XXXX XXXXXXXX mulitple dtaes and ending with XX/XX/XXXX Experian XXXX : starting with XX/XX/XXXX with multiple date sand ending in XX/XX/XXXX experian cs identity : inquired on XX/XX/XXXX XXXX XXXX employment : inquired on XX/XX/XXXX XXXX XXXX : this is why i cant get a phone anywhere at XXXX because they had locked it the date to that XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. This case happened last year. I was told by the bureaus to resend my documents which I have been mailing since last year because according to them the documents are either invalid or they never received them. Please help delete the fraud accounts and inquiries below from my credit reports. I have attached to this complaint my updated FTC reports, driver 's license, social security card, and proof of residency. Fraud accounts : XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX XXXX XXXX XXXX or XXXX - XX/XX/XXXX - What would I do with XXXX XXXX XXXX? The account numbers also differ from each bureau but I suspect that they are the same account because of the open date. XXXX. XXXX or XXXX - XXXX or XXXX - XX/XX/XXXX - This also appears to have different account numbers but XXXX be the same because of the open date. XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX, XXXX. XXXX XXXX - XXXX - XX/XX/XXXX. Fraud inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXXXXXX XXXX  XXXX XXXX seen on or around XXXX to XXXX saw a lot of pre approvals on credit karma. At first i XXXX XXXX XXXX XXXX didn't pay it no attention but credit karma kept sending me all sorts of different pre-approvals and was telling me that i XXXX XXXX XXXX XXXX was also pre-approved for credit cards business and personal loans and that i can refinance my car. Everyday i XXXXXXXX XXXX  XXXX XXXX would see these offers every time i logged my email and to check my credit score. so after a few months of being told that i XXXX XXXX XXXXXXXX XXXX was pre-approved. I thought I was now in the right perfect place to apply. I got so many offers thought credit karma XXXX XXXX XXXX XXXX and pre-approved for credit cards and personal loan I started telling my whole family my kids and my love one about taken vacations and investments we were going to use these pre-approvals for. So i applied on or around some time in XXXX to XXXX and i got denied multiple times for 3 credit cards and a personal loan. I was distraught and i was very very angry and i felt deceived i was marketed to for many months. Credit karma told me that i was pre-approved this was a very big lie. I was severely stressed out I was nauseous for weeks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now every time i see pre-approved I immediately close my phone and shut my computer off. This has made me so uneasy anxious that i haven't checked my credit as frequently as i should.
Product: Credit card

My wife - XXXX XXXX - opened a XXXXXXXX XXXX  credit card account on XX/XX/XXXX and added me ( XXXX XXXX ) as additional card holder. I received the additional card. Amex sent me email that I must provide social security number on XX/XX/XXXX and I provided social secuiry number on XX/XX/XXXX using Amex website and it confirmed back saying card is active and can be used. 

However when I tried to use the card on XX/XX/XXXX, it was declined. I called Amex and after many call transfers finally today was told that my account was closed by them because of prior unpaid balance history with Amex. 

The prior unpaid balance history that Amex referred is for card that was opened with Amex in XXXX. I had filed a XXXX XXXX bankruptcy in XX/XX/XXXX and as part of bankruptcy discharge in XXXX of XXXX  all credit card including this Amex card were discharged. 

Since XXXX, I have rebuilt the credit and all other banks have also issued me unsecured credit cards and currently I have clean credit history with credit score of XXXX plus. 

I am complaining that Amex using their private data history to keep track of credit delinquencies that happened before last bankruptcy date and then using that to defeat the purpose of entire bankruptcy law and decision is unfair and illegal. If all companies do what Amex is doing, then the bankruptcy laws will become meaningless and lose all power. There won't be any clean restart for credit for anyone. 

That is why I want you to get involved and force Amex to stop this practice. They must honor bankruptcy laws and decisions. They can not override bankruptcy laws using their private records for data earlier then last bankruptcy date. 

I would be willing to support any legal proceedings if you get involved in one. I would greatly appreciate your assistance.
Product: Checking or savings account

Wells fargo completely refuses to give me money back my entire phone an account was hacked someone else put bad checks in my account while my phone and account were hacked which was out of my control an I was punished by having all my money took I demand my money back I will not stop filing complaints until my funds are returned
Product: Mortgage

I want a copy of my mortgage promissory note with the foreclosure stamp that Wells Fargo did.
Product: Checking or savings account

It concerns a wire transfer in US currency from the XXXX. The amount did not arrive in full in my XXXX XXXX  account. It was short an amount of which its whereabouts neither the XXXX XXXX nor the XXXX XXXX  could be explained. The wire transfer was subject to fees identified and separately charged by the XXXX XXXX. There were not wire transfer fees charged by the receiving bank. Upon further investigation the discrepancy could not be explained by either bank. The conclusion is that the lacking amount must have been purloined en route. Someone suggested that the wire transfer was subject to a " lifting fee '' charged by an " intermediary '' bank but neither the XXXX XXXX nor the XXXX XXXX  could identify and intermediary bank involved in this transaction. The money has just simply vanished in the haze.
Product: Vehicle loan or lease

I have a loan with Toyota Motor XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Toyota Motor XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 120 days late
Product: Mortgage

I noticed on my credit report that my mortgage was extended from 30 years to 40 years without my knowledge. 
I contacted the mortgage company Shellpoint Mortgage Servicing who refuse to provide me information on the initial contact. I escalated the matter and requested to speak with a manager.

The manager I spoke with advised that my ex-wife whom I share the loan with placed a Lock on the account, and that I needed to know the code before they can provide me any information on the account which has my name on the loan. However, the manager told me that the mortgage loan was extended by my ex-wife from 30 years to 40 years.

The manager did confirm that it is their policy to have both parties signature on the request for an extension. 
However, I did not signed or agreed for an extension on the mortgage loan. 
The manager told me that I needed to mail a letter to XXXX XXXX XXXX XXXX, SC XXXX, which I did on XX/XX/XXXX to obtain documents as proof and I never received the requested documents. 
Then I called Shellpoint again to find out the status of my request, which they confirmed they did received my letter that was sent via registered mail via USPS. They told me that they were working on it. 
Unfortunately, that was not true when I call back again in XXXX and spoke to another representative at Shellpoint, who told me that I needed to email the request instead to XXXX, which I sent the email on XX/XX/XXXX, along with a copy of the original letter that was sent to them via USPS mail, along with proof of signature that their company received the request. 
To date, they have refused to provide me the requested information and I believe my signature was fraudulently used to obtain an extension on the mortgage loan.