23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on the refinance of my loan on XX/XX/2021. LoanDepot charged pre-paid interest on my new loan from XX/XX/2021 to XX/XX/2021 but paid off my previous loan only on XX/XX/2021. I sent multiple emails to LoanDepot asking them to refund the 3 days of interest I overpaid on the new loan. So far, I have not received the refund
Product: Debt collection

The debt is with XXXX XXXX XXXX. The debt was paid with a settlement offer by XXXX. The amount was XXXX and settlement was XXXX. The company never notified the credit union. Telcheck took payment on XX/XX/2021. The reference number Company : TELECHECK SERVICES C-3 Reference Number : XXXX Acct : XXXX Rounting. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed inquires that I did not make nor did I approve anyone to pull my credit report.
Product: Credit card or prepaid card

I entered into a promotional balance transfer transaction with my Capital One Credit Card in XX/XX/XXXX where I paid a 2-3 % fee up front and then received 0 % interest on this balance for 18 months. I was going to wait until my credit card statement indicated that my promotional period was coming to an end and therefore I need to pay the balance or be charged interest, but this disclosure never appeared on my statement. Instead I just received a statement with the interest charge once that promotional period ended. My XX/XX/XXXX statement didn't have any indication that my promotional period was ending, including in the section titled " account notifications '', which contained the following statement : " Welcome to your account notifications. Check back here each month for important updated about your account ''. This section should have disclosed the fact that my promotion was ending and if I didn't pay the balance on my statement I would be charged interest ( because that's an important update about my account ). My XX/XX/XXXX statement also didn't disclose anything, but now had a {$110.00} interest charge. Because there is a lag between when you initiate the transaction and the balance actually transfers, I was never aware from the beginning when the promotional period exactly ended ( again I was going to rely on the credit card statement ). 

When I called Capital One to complain and ask that they reverse the interest charge and I'll pay the balance off immediately, they refused and said its not their policy to put this information on the statements ( even though all my other banking relationships do this and this is the very practice the CFPB was created to eliminate ) and that its on the consumer to know when the period ends. They also referenced a confirmation statement that is mailed to consumers when the balance transfer is completed which has the exact period end date, but I never received this. Its not available on my online account documents either. 

This is predatory and Capital One knows that people aren't going to be aware of when this promotional period ends and therefore get hit with at least one interest payment assuming they were planning on paying down the balance.
Product: Prepaid card

I had booked the tickets to go to XXXX was been told by travel agent that payment will be done in 3 separate transactions to 3 different airlines XXXX, XXXX and XXXX XXXX One of the payments were pending so travel agent gave me one way ticket and said once the payment is cleared Ill get the return ticket as well But same day I got and email from XXXX XXXX The airline we were supposed to fly with They said we are canceling your ticket due to some fraud activity After that I contacted the travel agent to ask why was the tickets canceled they said its because of the one payment still pending Couple of days later travel agent said that they have refunded my money so ask the bank to dispute the payment Bank saying we cant dispute the payment we need the proof from travel agent that they have refunded the money I cant get in contact with travel agents at all They have blocked my number and not answering at all The card I used was chase bank card And travel agent they called XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted three credit bureaus XXXX XXXX XXXX I also called the company that worked in my credit report that I never gave any authority to run my credit or any information of mine I've also sent a letters in regards to getting it dispute and getting it removed from my credit report but I've not had any answers or any help with this it's a continuing thing that it's been on my credit report and I have complained over and over that I would like it removed because it's not me or I'm not giving anyone the authority to even run my credit in any type of formal way it's very difficult at this time to even apply for a loan because I'm not getting approved at whatsoever I've never had anything under my name I've never owned anything in my life and I'm trying to build that so one day I can get qualified for a loan so I can build my credit no one is helping me how am I supposed to get a credit card when I'm trying to build myself up and this is affecting my credit by all the inquiries on my credit report close accounts that don't belong to me and etc
Product: Payday loan, title loan, or personal loan

Payment is sent to company each month. They have not recorded payments sent then proceeded to charge late charges. I submitted my proof of payments, since XX/XX/2020 still awaiting adjustments. Also company requesting Automatic Withdraws or will charge fees. Also their invoices are hard to read and do not show balance or principle payment. I send more than initial payment but dont see overpaid to principal or balance. Is there standards or compliance procedures for consumer invoices?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX response to my validation request I discovered they totally ignored my request and did what they felt was sufficient. However, what they provided is NOT in compliance with the FCRA. The following is what I asked them to provide and what is required by FCRA. Sending me copies of bills does not validate this debt no matter how much they would like me to accept it. I asked for the following ... .. 1 ) The description of the procedure used to determine the accuracy and completeness of the information. 2 ) Name, address, and telephone number of each person contacted regarding this alleged account. 3 ) A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 4 ) proof they are authorized to collect the debt. They failed to provide any of the above information.THEY HAVE NOT RESPONDED TO MY LAST REQUEST THUS, BY LAW, THIS ACCOUNT MUST BE REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) XXXX XXXX presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX balance {$83.00}, XXXX balance {$1200.00}, XXXX  balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit reports and noticed fraudulent accounts and incorrect information that need to be DELETEDUPDATED. Pursuant to 15 USC 1681A ( 4 ) I am aware of MY RIGHT TO PRIVACY. Pursuant to 15 USC 1981c-2 the following accounts are to be DELETED within FOUR days of receipt of this letter on clear grounds of IDENTITY THEFTALLEGED IDENTITY THEFT as they were NOT originated nor authorized by me to be published. DELETE INQUIRYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XX/XX/2022, I opened up and created a Square account for my business, XXXX XXXX XXXX XXXX. In creating the account Square requires business and personal information to be submitted. After this information was submitted, my understanding was that I was approved and okay to start transactions. On XX/XX/2022, I created an Invoice and billed a customer for service. On this same day the invoice was paid. This is a long standing customer with my business that I've had multiple successful transactions with thru XXXX XXXX. 

Once this payment was made, I logged into the account to figure out how to transfer the funds into my external bank account. I kept getting an error message. Later on that day I get " Urgent '' an email stating that Square is requesting additional information in order to get my business. I feel that this is information that should have been requested BEFORE granting approval and access to use their platform. I submitted all of the requested documents and information. The next day on XX/XX/2022, I get an email stating that they didn't approve the information I submitted and that my account would be deactivated. All that's fine, however, the problem at hand is they have my funds placed " on hold '' for 90 days. I don't know in what business world that this is legal and not fraudulent. To me it's like a bait and switch. They bait you in to create an account, you do a transaction, they ask for additional information, deactivate your account but KEEP your funds " on hold ''. Brick and mortar banks hold transactions for 21 days BUT 90 days?! This is RIDICULOUS AND TOTALLY UNACCEPTABLE AND NEEDS TO BE INVESTIGATED ESPECIALLY IF THIS IS THEIR NORMAL BUSINESS PRACTICE. 

I had called and spoke to a customer service representative one time and they had no answer except to wait for the 90 days. I requested a supervisor and/or to escalate the call and issue and was told that the Security Team does not take calls. Thereafter, any time that I tried calling in, they threw my phone number in a loop to where I was only able to hear robotic messages and not get thru to a human being. I called today and blocked my number, got through to a customer service agent and once he pulled up my information, he became robotic basically repeating the same stuff that the automated message line was telling me. Again, I asked for a supervisor and/or to escalate the call, he refused and the said he was ending the call and hung up on me. 

All things aside, I WOULD NEVER do ANY other business be with Square or refer them to anyone. At this point, I just want my rightful and legal funds to be transferred to me IMMEDIATELY and not after a 90 day hold.
Product: Credit card or prepaid card

This complaint is about a Wells Fargo credit card account. My account was just closed yesterday out of blue. When I called Wells Fargo, I was told it is due to inactivity of 6 months. Funny thing is I found out about the closure when I try to activate a new replacement card of this account that Wells Fargo sent out to me a few days ago. 

The question now is first of all, Wells Fargo has never informed us as customer that the credit card would be closed due to inactivity of 6 months. We as customer wo n't have a chance to make use of the card and keep the account open. Second of all, in fact, this account has been in inactive status for about 12 months. So if they are closing card due to 6 months of inactivity, why are they closing my account now at 12 months? And why are they even sending out the replacement card for this account? 

This closure without any notice is definitely going to hurt my credit score, as it shortens  my average credit history and my available total credit line.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to follow up my prior protests and letters I submitted on XX/XX/2022 and to notify them that I am halfway of taking lawful action and litigate Equifax for their headstrong nonfulfillment of the FCRA statute. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account that should be adjusted is : XXXX XXXX XXXX  XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had a position in XXXX with XXXX ( XXXX, XXXX. XX/XX/2019 - XXXX, MA, USA ) I sold the XXXX  and converted them to USDC for remittance to my bank account with XXXX XXXX  in XXXX. 
XXXX transferred the funds to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) to make the transfer to me. 
Circle require verification of destination account and for this asked me to make a transfer of US {$5.00} to their account with some unknown bank ( XXXX XXXX in XXXX XXXX The XXXX code they provided for XXXX XXXX ( XXXX ) is wrong/does not exist and my bank can not make the transfer to verify my account. 
I informed them about this and they asked me to try some other XXXX codes all of which did not work either. 

Circle are basically washing their hands and I can not receive my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation of consumer law Sold my info to a Third party debt collector which now they are saying I owe them which is against the law I dispute this alleged debt. Please delete & remove immediately. 15 USC 1028A Banks & credit agency are passing personal information without lawful authority ( IDentity theft ) Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am entitled to request the removal or correction of any information that has been reported in error, particularly when such information has a negative impact on my credit report or personal records. 
In accordance with the FCRA, I request that you DELETE FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX  ), Inquiry Date : XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you ( Equifax ) permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b { c ) which constitutes fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Ignores all of my hand written request never wants to furnish who they have spoken too to say they've completed investigation refused to furnished names of parties spoken too and refused to answer as to how they have violated my consumer laws completely
Product: Mortgage

My father XXXX XXXX XXXX entered into a mortgage with quicken loans in XX/XX/XXXX. In XX/XX/XXXX my father was admitted into XXXX care at home as the doctors said that he was terminal and all they could do is keep him comfortable. My father was put on XXXX, XXXX and other medicine to keep him comfortable. I was my fathers power of attorney. This loan happened while I was at work. My father was not supposed to sign his name while under the influence of XXXX and while under XXXX. He was XXXX and XXXX years old. His social was XXXX. His loan # with Quicken Loans was XXXX. The comps that was used for his home was not in our neighborhood and they were not comparable to his home. I had the house appraised in XX/XX/XXXX and the house appraised for {$230000.00}. I contacted quicken loans when my father passed away and told them he had passed and they told me that I could make the payments which were {$2300.00} per month, remodify the loan and get a lower payment, mind you keeping the {$300000.00}. I could n't do either of those, I ca n't afford {$300000.00} and the house was not worth this and I would n't have gotten a mortgage since the house was n't worth that amount. I decided to do a short sale on my fathers home. I was living with my father, my mother passed away, he was n't well and someone needed to help him with every day stuff. I tried to keep my dads house and quicken loans would not work with me. They had the house appraised inXX/XX/XXXXagain using comps that should not have been used. They used comps that had been totally renovated, my fathers house needed work. Someone purchased my fathers home for {$250000.00} and we settled XX/XX/XXXX. This was the house that I grew up in and should have been my home. When my father passed away, I heard of 3 other people that this happened to with Quicken Loans. I thought that people were protected from predotory loans. So sad that this happened to me and my father and all Qicken Loans did was call me and harass me about my fathers house. They would not let me buy his house on the short sale nor was anyone in my family aloud to purchase the house. Very sad how they operate. I tell anyone thinking to go with them what happened with my father and to not go with them.
Product: Credit card or prepaid card

I have 4 fraudulent inquiries for Credit Cards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Interested charges appeared on card after submission of auto pay. Company only refunded {$20.00}, and refused to refund all the interests charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the following dates my credit was run without my permission and knowledge. I did not consent to or authorize nor benefit from any of the following inquires XX/XX/XXXX Experian Business Credit XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX During these times especially between XX/XX/XXXX to now I have been out of my resident state working on XXXX contracts being a frontline worker. I hope this issue can be resolve immediately. I have taken further action to protect my identity and credit profile for the near future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dpt Treasury Closed ReportedXX/XX/XXXX XXXX XXXX Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXXUs Dept Vets Closed Reported XX/XX/XXXX Us Dept Vets Closed ReportedXX/XX/XXXX XXXX {$340.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$390.00} OpenedXX/XX/XXXX XXXX XXXX {$640.00} OpenedXX/XX/XXXX
Product: Checking or savings account

On XXXX I paid a contractor XXXX XXXX via check for a service from my account at TD Bank so the I could have proof of payment.It has been over a year and contractor failed to complete job so I filed a complaint with the state.The state referred me to XXXX XXXX XXXX for reimbursement due to failure of completion.The XXXX XXXX XXXX is requesting proof of payment which I am now unable to provide after going to the bank on XXXX I was told the check was never endorse even though money was withdrawn from my account.Due to the negligence of Td bank I currently don't have the proper proof of payment which was there duty to uphold and make sure all non-account holders provided proper endorsement and identification.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I got a loan for XXXX $ so I could consolidate some bills. The site says you are encouraged to pay more than the minimum payment. On XX/XX/2023 I paid XXXX $ towards the loan. On XX/XX/XXXX I paid XXXX $ towards the money owed. So I looked at credit reports and I am over the limit! This has been reported. So I paid XXXX $ since I got the loan only to be both over the limit and more in debt. I am a senior citizen of XXXX and I needed the money for an emergency. I have a house payment and home insurance to pay and a cyberstalker who steals from me. I wont be able to eat much next month as I will have to pay them first. I have medical issues and I think its wrong since XXXX of XXXX I paid XXXX $ in their handling fee. I know they cant operate in my state of Mn now as I called Dept of Commerce snd they recommended I file here
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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.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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  account XXXX  XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has been 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 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I've contacted KICKOFF on multiple occasions requesting full and complete detailed information giving authorization to open the account XXXX that I was unaware of. They provided a document with personal information stating that it was my digital signature giving them the permission to open the account. I need complete and full digital signature details provided not just my personal information draftedon a document. XXXX of 2022 Is the supposed date of the start of the account.