23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I withdrew cash from a non-SunTrust ATM in XXXX, XXXX from my CHECKING account and was charged {$3.00} by the non-SunTrust ATM for a balance inquiry for my SAVINGS account. I never performed an inquiry for the balance of my savings account. The non SunTrust ATM charged a fraudulent fee to my Savings Account in the amount of {$3.00}. I would like for the CFPB to perform an investigation to determine how how the non-SunTrust ATM was allowed to charge me for a service I did not request. I would also like for the CFPB to perform an investigation to determine why SunTrust allowed the non-SunTrust ATM to deduct a fee from my savings account when the fee was fraudulent.
Product: Mortgage

Forgive the tardiness of this complaint, but I just learned this week through reading the XXXX XXXX XXXX that the CFPB works with banks to resolve customer complaints. Until now, I did not know what recourse I might have for the fraudulent behavior of Wells Fargo Bank. 
In XX/XX/XXXX or XX/XX/XXXX, my partner and I refinanced our mortgage on a property we own in XXXX XXXX with Wells Fargo. We made a point to confirm that there were no prepayment penalties associated with this new mortgage. At the time, the Wells Fargo representative aggressively pushed a home equity line on us, even though we did not need it, want it, or ever intend to use it. Since he said it would cost us nothing, and he was so insistent, we reluctantly accepted it. 
In XXXX XXXX, we refinanced our mortgage again, but with a different lender. When it came time to close on the new loan, Wells Fargo refused to terminate our existing mortgage unless we paid a {$500.00} termination fee for " early termination of our home equity line '' - which we never used, and as stated above, never wanted. Both my partner and I communicated our complaints to the appropriate people at Wells Fargo - to no avail. Since we did not want to jeopardize our new mortgage application with the new lender, we paid the {$500.00} to Wells Fargo. 
We believe that XXXX XXXX, " Home Mortgage Consultant '' at Wells Fargo at the time, fraudulently induced us into accepting the untapped home equity line. We would appreciate any help that CFPB can give us to persuade Wells Fargo to refund the {$500.00} termination fee to us. 
I have attached a copy of the Wells Fargo payoff demand dated XXXX XXXX, XXXX and our email correspondence on XX/XX/XXXX and XX/XX/XXXX with various employees of Wells Fargo ( including XXXX XXXX ) regarding this issue. Please note that my name and that of my partner are listed as " customer '' on the payoff demand statement and that both of us corresponded with Wells Fargo in the attached email thread. 
Thank you for your consideration.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a car and was financed through Santander. My load matures XX/XX/XXXX, I placed a car to confirm the maturity date on XX/XX/XXXX and it was confirmed. I received a call this morning XX/XX/XXXX and told " I now owe {$8900.00} and have to pay it by XX/XX/XXXX or take out an additional loan for the balance and it will extend your loan for 2 more years or we will report your loan late until you pay off the additional fees ''. I have no late payments for the life of the loan and have no additional penalties unless i paid the loan off early.
Product: Credit reporting, credit repair services, or other personal consumer reports

re : my mortgage with XXXX XXXX XXXX loan no XXXX. re : my previous complain. XXXX XXXX forget to apply one of my payment of the payment plan i have with them to avoid foreclosure. See letter dated XX/XX/17.they never wrote me or call me to ask me about this missing payment So on XX/XX/XXXX they said there will be no modification of the loan. then i show them proof they did a mistake and then they approve the modification. see letter dated XX/XX/XXXX. in the meantime they have put me in foreclosure. They said after their mistake i was out of foreclosure. Thankfully my house is sold and mortgage paid off ... but when i tried to rent an apartment last week they refused me as foreclosure was recorded on my credit report.Very embarrassing especially when you did not do anything wrong.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated with the inaccuracies on my report. Theyre unfairly damaging my scores and limiting my chances at better opportunities. Its unacceptable to be judged based on incorrect information that I have no control over.
Product: Money transfer, virtual currency, or money service

Was a cashapp user for years, until my cashapp was hacked and large amounts of money were moving in and out of the account. I had my bank settle the fraud, but if not for my bank i would have had no way to settle the losses, and still was charged transfer fees to get back money i lost. After the misuse of my information i deleted the app and never used it again.
Product: Mortgage

On or about XX/XX/XXXX we applied for refinance with Top Flite Financial working with XXXX XXXX. Our loan # is XXXX. We went through the process as normal, completing application, providing documents and lastly ordering and paying for an appraisal. Since the appraisal has been completed and received by XXXX XXXX on or about XX/XX/XXXX we have not heard from Mr. XXXX AT ALL. we have called, emailed, left message numerous times with no return call or status. Since we have paid for appraisal, the ONLY correspondence we have received from Top Flite was an email dated XX/XX/XXXX requesting additional pay stubs, which we uploaded to the website. Mr. XXXX and Top Flite Financial misled us to think we could get a loan, they only wanted to get the appraisal done. Top Flite gives its employees bonuses for the amount of appraisals they order. MrXXXX XXXX receiving a {$1300.00} bonus back in XX/XX/XXXX. Since the appraisal, we have not talked to Mr. XXXX or received any correspondence from him. They were very deceitful in leading us to believe we would qualify for the loan, when all they wanted was to add another appraisal to their records.
Product: Credit reporting or other personal consumer reports

Nothing happened. The Cfpb reported that my case was closed. Why? After Cfpb reached out to XXXX  They responded the very next day and they asked me to send me all the paperwork that the XXXX has on them. They called me and did absolutely nothing. My pain and suffering mentally for XXXX straight. Havent been able to fill taxes going on my 3rd year because of the fraudulent paperwork on XXXX behalf. They responded to yall ( CFPB ) and lied. I have the emails to prove it. They said they would reach XXXX out to me and I get an email from you guys stating my case was closed! Dont worry, I have a warrant paperwork in my hand now filling out next, $ XXXX will be worth my companys uncalled for services
Product: Money transfer, virtual currency, or money service

Today XX/XX/17 at XXXXXXXX XXXX  EST Reference Number : XXXX sent Transfer Amount : XXXX USD Transfer Fees : + XXXX USD Transfer Taxes : XXXX USD Total Cost : XXXX USD to person in XXXX OH. 

XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX was listed on MoneyGram website as accepting MoneyGram transfers until XXXXXXXX XXXX 

Recipient went to XXXX in l as then an hour after sending money. 

XXXX said their MoneyGram hasnt worked in a month so recipient could not get money. XXXX employee said their MoneyGram only works intermittently and that there is some sort of nationwide outage issue and that their MoneyGram hasnt worked in a month and if it does sometimes work but only intermittently and usually doesnt work all day. 

I called the same XXXX XXXX as well and they confirmed the same thing. 

MoneyGram website said MoneyGram was available at that location but that is a lie on Moneygrams part it isnt available there currently. 

Next closest location is 45 minutes away. 

Recipient was stranded with no gas and no way to leave the city without this money. 

I couldnt cancel the transaction on their website so I called into MoneyGram. Employee said they could cancel it but that I would still have to pay the {$38.00} fee. I complained saying that is not fair since the location that said it was available hasnt had their service working in a month. Employee looked and confirmed that there was no other location to XXXX OH. Said that there was no other option other then to fill out a complaint form on their website. I asked to speak with a manager and was transfered to a supervisor. Was told the same thing. Very frustrating that I have to spend all this extra time to try and get my money back when the location the advertise as being available for MoneyGram transfers hasnt been able to do them for a month. Very deceptive business practice. 

I still dont know if they will refund the fee or not
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

Made a payment to discover student loans on XX/XX/XXXX. I paid {$240.00}. I wanted the {$140.00} to pay for my minimum monthly payment the remainder to go towards principal. 

Today, XX/XX/XXXX, I see a payment posted of {$94.00} and nothing about the minimum payment being posted. My minimum balance says {$50.00} is due. How is the there still a minimum payment due when I paid the minimum amount and extra towards principal? I called the rep on XX/XX/XXXX and they do n't know what 'll happen to my extra money. They said they do n't know where it went. They said it 'll take 7-10 business days to resolve. I find this unacceptable since I made the minimum payment for XX/XX/XXXX way ahead before the due date and now, I risk possible penalty because of their error? 

Can you please file a complaint with discover about once again incorrectly applying payments?
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure electronic transfer of {$1000.00} to my XXXXXXXX XXXX XXXX XXXX Savings  Account on XX/XX/year>. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts on my credit file from this company.I have never been in a contract with this company. I have never applied for credit with this company. It is reporting this account as opened and derogatory. This is not accurate.
Product: Checking or savings account

To the present day I dont know why Wells Fargo closed my bank account
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a letter from XXXX confirming XXXX XXXX XXXX XXXX was accurate.I went to the XXXX XXXX XXXX XXXX today they denied having a investigation with XXXX.So ask for a letter he said he had none he could give me so Im filing a complaint I got copies of the XXXX  report as evidence will send in attachment, and can you please make sure all three bureau show a deletion of all information please thanks
Product: Vehicle loan or lease

Total loss on the vehicle XX/XX/XXXX. Process getting loan paid in full was completed on XX/XX/XXXX. The account has a {$610.00} overage because we kept making payments from the time of the accident to the closing of the account. TD Autofinance indicates overage are returned within 30 days of closing the account. As of today ( XXXX ) we have not received a refund. We have contacted TD Autofinance several times by email and phone ; they either promise to take care or just reply with some scripted answer that got nothing to do with the refund. On XX/XX/XXXX we spoke with them on the phone ; they said " your check was mailed already on XX/XX/XXXX, you should be about to get it ''. However, on XX/XX/XXXX they reply to an email sent prior to the call ; it indicated account was being sent to their cashier department for them to issue a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XXXX XXXX XXXX received completed compliant from XXXX. XXXX closed two accounts my mortgage. I still paying mortgage just to a different PAYMENT Center is all. I've refinanced twice to lower interest rate. XXXX retained mortgage all this time Since XXXX .All they ever done was changed Account number. But XXXX has been lien holder all this. Since XX/XX/XXXX when went to purchase a ovehicle found out about credit Report. I never filed bankruptcy on XXXX.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I advised TRANSUNION that I am a federally protected consumer as defined by 12 CFR 1016.3 ( e ) ( 1 ) and upon my recent review of my TRANSUNION credit report, copy attached, I noticed a potential violation of my right to privacy through unauthorized, Non Public, personally identifiable financial information on my credit report being used as a coercion tactic causing me undue stress, anxiety and negatively impacting my credit file that, according to Congress, is to be fair and equitable to me. 

According to 12 CFR 1016.3 ( p ) ( 1 ) Non Public Information : Personally identifiable financial information, per 12 CFR 1016.3 ( q ) ( 2 ) ( i ) ( B ), includes Account balance information, payment history, overdraft history, and credit or debit card purchase information. Additionally, per 15 USC 1682a ( 2 ) ( A ) ( i ) " consumer report '' does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; TRANSUNION is hereby given notice that pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), which states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Accordingly, TRANSUNION has violated my right to privacy by furnishing my private personally identifiable financial information without my written consent or any lawful authority and pursuant to 12 CFR 1022.3 ( h ), TRANSUNION may have committed aggravated identity theft as defined by 18 U.S. Code 1028A, by making such reports without such lawful authority and without my prior express written consent.

As stipulated above, any and all unlawful, unauthorized Non-Publicly available information reported as listed below, but not limited to, shall be removed immediately. 

See attached TRANSUNION Credit Report dated XX/XX/year> XXXX XXXX XXXX 1. XXXX XXXXXXXX - Account XXXX XXXX 2. XXXX XXXX  CARD Account Number XXXX 3. XXXX XXXX - Account Number - XXXX 4. XXXX MORTGAGE Account Number - XXXX XXXX. XXXX CARD SERVICES Account Number XXXX 6. XXXX XXXXXXXX XXXX XXXX  Account Number - XXXX Additionally, notice was given to TRANSUNION, I, the consumer in fact, rescind and revoke any prior written, verbal or electronic authorization that I may have granted and hereby effective immediately, Nunc pro tunc, invoke my consumer rights under 12 CFR 1016.7 ( h ) to OPT OUT of all reporting of any Non-Publicly available information and hereby invoke my rights that my OPT OUT is to remain effective until I, the consumer, revoke such in writing per 12 CFR 1016.7 ( i ) ( 1 ).
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX XXXX XX/XX/year>2024 XXXX XXXX XX/XX/year>2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX  XX/XX/year>2024 XXXX XXXX XXXX XX/XX/year>2024 XXXX XX/XX/year>2024 Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

Applied for credit through the entity " Barclay Delaware ''. I have been refused credit for reasons i do n't see find satisfying ( XXXX 2015 ). After that i believe without consent or disclosure i attempted to open what i believed to be a XXXX and XXXX card which was also declined ( XXXX 2015 ). I have a concern about their ( Barlcay 's ) client disclosure policy. I believe, they are in violation of the federal law ( Fair Credit Reporting Act ) which prohibits them from collecting sensitive information ( Country of origin ) on ( All credit card applications ).
Product: Checking or savings account

I have an Upgrade Rewards checking account which gives 1 % cash back on purchases made with the debit card. 

I made the following transactions on my debit card but was never given cashback in the subsequent statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX, XXXX XXXX XXXX XXXX XXXX XXXX due to late payments, Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I spoke to a representative at all three credit reporting agencies about some inquiries that was on my credit report that I dont recognize. She advised me to contact the CFPB so that they can be removed. She stated once they receive my complaint they would be removed. I did not authorized any of these companies to have my information. Enclosed are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX. XXXX XXXX XXXX XXXX representative for XXXX XXXX All Rights Reserved UCC 1-308 Re : Defamation of Character notice SANTANDER CONSUMER USA account # XXXX You are using Color of Law to collect, publicize, furnish, share, disclose and report inaccurate information about me as defined by 15 USC 1681a ( q ) ( 3 ).

These actions are depriving me of my right to contract. In addition to the credit extension deprivation, I have also missed and continue to miss a substantial amount of work which has resulted in me incurring and ongoing loss of wages. 

My previous communications have been, neglected and outright mishandled. After reviewing my records it was discovered that there has never been a fair or equal consideration of value in this matter. I hereby demand my vehicle be reported as paid off, my title delivered via mail, and the release of all my funds paid, including interest accrued in regards the the vehicle under previously stated account. 

Failure to comply or properly respond to this notice will serve as your reluctant agreement to the statements made herein this notice, your agreement to FULL liability for any injuries caused, criminal prosecution and will absolutely result in further legal action being taken against you. It is not the burden of the consumer to further prove legal validity of TILA rescission once the complaint was not responded to in a legally timely manner. 

It has also come the the administrative and legal counsels attention that you have been erroneously and illegally acting as administer over his account that belongs to the administrator XXXX XXXX the legal holder of this account. Because you failed to disclose all the terms of agreement ( the word you mention in this correspondence in all its variations is referring to SANTANDER CONSUMER USA and its associates ), youre serving in the capacity of anything other than fiduciary/trustee is hereby terminated forth with and henceforth. 

Under the Federal Debt Collection Practices Act, I now exercise my legal right to challenge the validity of this debt your agency claims I owe. 

I declare under the laws of XXXX that in the before mentioned statement of facts is true and correct.
Product: Debt collection

I had some time to review my credit report and I noticed a few accounts that didn't belong to me. These accounts have never been registered by me before nor have I ever had any contacts with the creditors. Majority of the accounts below are originally from the TIME OF HAVING MY Identity stolen. Please see below. 
Account Name : XXXX Yamaha Acct # XXXX Account Name : XXXX Acct # XXXX Account Name : XXXX XXXX Acct # XXXX I am requesting that the accounts above be removed from my credit reports and that you place a fraud alert on my profile. I fully understand my rights under the FAIR CREDIT REPORTING AT AND U.S CODEs I researched my rights regarding the FAIR CREDIT REPORTING ACT and According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report Please do not respond to my typed letter stating We verified that account belongs to you without providing me with all documentation. Once done feel free to send me my updated credit reports to my home address listed above.