23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed up for a " XXXX XXXX '' card about 3 or 4 years ago. To save during the holiday season. The next month. the bill came. I paid it off in full. The next month I got another bill for like {$1.00}. I paid that then cut up my card. Never to hear from them again until 3 or 4 yrs later.  Which is now. They continue to harass me by sending me bills. I call them and waste a couple hours of my time fixing the issue by talking to many supervisors. I called Chase and XXXX and was told this matter is fixed. That account is closed. I can not so much as be sent a bill by mistake, and yet it still continues to happen. The last person I called said that it wasn't a bill at all. It was like a letter of my history. It was a bill with " minimum payment amount '' on it. He didn't know what to say about that. I have called Chase several times. Im told I OWE NOTHING and that the matter is FIXED. I have spent hours of my time on the phone speaking to one supervisor after another. Im told its FIXED each time. Then the next month comes with yet another bill. With a different amount. This is harassing and I WANT IT TO STOP. I have told them as much, and yet it continues.
Product: Debt collection

Ive personally been a client of American Express since XXXX possessing multiple cards including their highly touted XXXX  card. Ive never been late or close to it in those 15 years as a client. My employers company card is an American Express XXXX  card which allow me as an employee to use the card for business purposes only and the company pays the card balance. Evidently my employer paid some of the company credit card balances late in XXXX and American Express tacked on late fees to the balance. Please note every card transaction was paid by my employer but American Express continued to bill late charges on top of other late charges totaling {$520.00}, again all of this is late charges on a company credit card. Now American Express is coming after me for this balance After months of badgering me about a company credit card balance I regrettably gave in to the collection agency ( XXXX XXXX XXXX ) that had started reaching out to me on behalf of American Express. We had an arrangement, I sent the check as promised for the agreed upon amount and date Only to later find out that American Express had taken the account from this collection agency and gave it to another collection agency. This practice has continued over the past 4 months which includes 3 different collection agencies. Additionally XXXX XXXX hasnt cashed nor returned the check I mailed to them. 

I think these practices are unjust and unfair on multiple fronts and I would like to have these resolved as soon as possible : Why am I personally being billed for a company credit card where the transactions have been paid in full?
Product: Debt collection

Original Creditor : XXXX XXXX Collections Agency : COLUMBIA DEBT RECOVERY LLC DBA GENESIS XXXX XXXX XXXX XXXX, WA XXXX Placed for collections on : XX/XX/2023 Principal : {$6600.00} Interest Due : {$150.00} Total Due : {$6800.00} XXXX  Last year I was told that I could break my lease without penalty XXXX month early due to being a victim of XXXX XXXXXXXX. I was living in XXXXXXXX XXXX at the time, and I was protected and well within my rights to vacate under Texas XXXX ; Sec. XXXX. RIGHT TO VACATE AND AVOID LIABILITY FOLLOWING FAMILY XXXX. Fast forward, even with the documentation provided, I was informed well after my move that I was liable for my last months payment. Which is completely against the law.
Product: Mortgage

I am the SOLE AUTHORIZED ADMINISTRATOR for the PERSON noted as XXXX XXXX XXXX and I am the sole creator and owner of the monetary instrument Promissory Note for the account and property noted to CITIMORTGAGE , INC . Via Certified Mail XXXX I requested that CITIMORTGAGE, INC. returns my property to me and they refused to do so. 
I sent this request on XXXX/XXXX/2016 and have yet to hear anything back. The Promissory Note belongs to me and at no time was this monetary instrument ever the property of CITIMORTGAGE , INC .
Product: Credit reporting, credit repair services, or other personal consumer reports

MY name is XXXX XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company Equifax put 3 negative negative inquiry in my credit report like you see bellow i contacted Equifax and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal here is my Confirmation # XXXX with Equifax Equifax Credit Report for XXXX XXXX XXXX Name of Company Date of Inquiry XXXX XXXX XXXX : :XXXX XXXX Show Details XX/XX/XXXX XXXX : XXXX XXXX XXXX Show Details XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX  : XXXX XXXX Show Details XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit. 



AND THE SAME HERE WITH XXXX MY name is XXXX XXXX Someone have fraudulently have try to buy home and they, have have applied for credit and this company XXXX put 2 negative negative inquiry in my credit report like you see bellow i contacted XXXX  and they have not remove them from my credit report i try calling them and they did the removal care in proceeding in he removal XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please have this company remove this fraudulent negative bad review from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid off two loan Mortgages In XXXX XXXX. Prior to paying them off my credit score was XXXX. The two loans were through XXXX XXXX XXXX and XXXX XXXX XXXX. Between XXXX and now my credit score has been reduced 100 points. I have no late payments or derogatory remarks to explain why this took place. The only thing listed on report is my new loan mortgage ( its in good standing ) and Child support, which is also in good standing. The only thing that has changed is the closed Mortgage loan accounts. Ive called all three credit Bureaus and XXXX, but no one can me give an explanation as to why closing those two accounts affected my credit score so negatively. I fully understand that closed accounts can reduce your credit score some. But, losing a XXXX points for paying loans off is unacceptable. My credit score went from XXXX to XXXX
Product: Bank account or service

I initiated a bank to bank transfer into my Huntington Bank Checking account from my XXXX XXXX XXXX account for {$15000.00}. On XX/XX/2017, Huntington Bank rejected the transfer because my Credit Union account has my middle initial on it and my Huntington account does not. I was told by Huntington Bank that this happens all the time. The funds were pulled from my Credit Union to Huntington Bank in less than 24 hours. Huntington Bank tells me they rejected the transfer but will not return the funds for 3 business days while the transfer is being investigated. Huntington Bank is holding my transferred funds while not making the funds available to me. I spoke with CSR XXXX and supervisor XXXX on XX/XX/2017 and both explained that there is nothing they can do to assist me with this issue.
Product: Checking or savings account

This complaint is against Apple Savings account managed by Goldman Sachs. I initiated a withdrawal from my Apple Savings account to my checking account on XX/XX/. The confirmation page displayed in the app clearly stated that the transfer would complete within 1-3 business days. On XX/XX/, after waiting for 3 business days, the transfer was still in pending. I called Apple Savings and was told that a transfer would take 5 business days. I was advised to call back on XX/XX/XXXX  I called back on XX/XX/XXXX  and again on XX/XX/XXXX  because the transfer still showed pending. I was then told that the transfer was under review. When I asked how long the review would take, I was told that there is no timeline. The customer service person also stated that it could take up to one year or more. I was left speechless. I would like Apple Savings account managed by Goldman Sachs resolve this issue for me as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted dispute letters to XXXX, XXXX, TransUnion, and XXXX XXXX regarding accounts that could not be verified, including a bankruptcy record, inquiries, and other incorrect information. Despite providing evidence and documentation, these accounts, inquiries, and inaccuracies were not removed from my credit reports. 

Subsequently, my lawyer received a response from the court confirming that the court does not report to credit bureaus and that the bankruptcy record could not be verified. However, XXXX XXXX continued to report this inaccurate information to all three credit bureaus. 

Furthermore, inquiries that I did not authorize were not removed, and other incorrect information remains on my credit reports. 

According to the response from the court, the bankruptcy, unauthorized inquiries, and any other incorrect information should be promptly removed from my credit reports to ensure accuracy. 

I request that these inaccuracies be rectified immediately to accurately reflect my credit history.
Product: Debt collection

On the date of XXXX XXXX, 2016, I filed a complaint against Stellar Recovery, case number, XXXX, for reporting to my credit reports I owed a debt which I did not owe. 
Stellar Recovery responded to my complaint by advising the CFPB they [ Stellar Recovery ] were removing the account from my credit reports. 
As of the date of this second complaint Stellar Recovery has refused to honor its promise to the CFPB and is still reporting to my XXXX credit report I owe a debt which I do not owe and an account that Stellar Recovery promised the CFPB and me they were removing from my credit report. 
I sent three letters to Stellar Recovery demanding the removal of their negative reporting. All letters were ignored. 
I the emailed the chief complaint officer for Stellar Recovery demanding removal of the account and even attached to my demand a federal lawsuit I would file if Stellar Recovery continued to violate the law and its promise to the CFPB. 
Stellar Recovery ignored my emails and as of the date of this complaint continues to report to my credit in a negative manner, violations of the FCRA and the FDCPA. 
I have now been forced to retain an attorney and a federal Complaint has been filed on XXXX XXXX, 2016, case number XXXX, XXXX XXXX of Arkansas. 
However, even after the filing of a federal lawsuit against Stellar Recovery, they still refuse to remove the negative and illegal reporting from my XXXX credit report. As the CFPB is well aware, a universal data form being faxed to a credit bureau will have the account removed in less than 24 hours. 
Stellar Recovery has lied to and thumbed its nose to the CFPB, even though it is facing a federal lawsuit. If the power and authority of the CFPB does not find this case worthy of using its authority to regulate this collection agency, then I am not sure what kind of case would be ripe? 
I am bringing this agency to justice on the civil side, and the CFPB should use its authority to send a message that conduct such as that of Stellar Recovery will not be permitted against consumers and against the CFPB. 
It is worth noting again that Stellar Recovery failed to respond to ALL communications to them to further discuss this matter and work with the consumer to resolve this issue. 
Thank You
Product: Credit reporting or other personal consumer reports

This is my refilling of complaint to FORD MOTOR CREDIT CORP for allowing unauthorized inquiries on my credit report. As I checked my recent credit report, the unauthorized hard inquiries are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX
Product: Credit reporting

I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, Transunion, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.
Product: Money transfer, virtual currency, or money service

I made a purchase of bitcoin for $ XXXX using Coinbase Wallet- an app provided by the company Coinbase. I never received my bitcoin in return. My wallet continued to show a balance of XXXX. 

I called Coinbase support and was told they had to escalate it to another team as they can't directly see Coinbase Wallet. I received a support ticket saying they were working on the issue. 1-2 days later, I received an email asking me to provide my bitcoin wallet identification and a link to the transaction hash. I provided them this information. 

A couple more days went by and then I was notified by their support that the transaction was completed and they would be closing the ticket. Mind you, this was about 3 weeks to a month after I initially purchased this bitcoin. I still have yet to see any bitcoin. 

I followed up with Coinbase support and let them know that this issue is NOT resolved and I still need my coin. They followed up saying they are escalating the issue and support would follow up again. 

A few more days went by and I reached up to followup saying I still had not received my coin. They responded saying they are looking into it. It has now been about a week since then. 

I can provide the email thread between myself XXXX their support team. I've asked for a refund of my money if they can't provide the bitcoin. They just keep telling me they are looking into the issue. As of now, I tried some troubleshooting steps they had me do with the Coinbase Wallet app and now my app doesn't even seem to connect to a working wallet as it just says " looking for coins ''. 

Please let me know if there's anything you can do to help! 

Thanks, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent credit disputed to this company regarding inaccurate information of two accounts reporting on my credit report. I have not received a response yet, its been longer than 30 days. See the accounts below : 1. XXXX XXXX Account Number XXXX 2. XXXX XXXX Account Number 1XXXX
Product: Money transfer, virtual currency, or money service

Paypal Message : Dom., XXXX XXXX XXXX. de XXXX XXXX XXXX ID number : XXXX XXXX to this problem, your account has been permanently limited. 
We know this situation must be frustrating and annoying, but you can continue consulting the history of your transactions for a limited time. 
You can get more details about the limitations of your account in the Resolution Center. For more information, contact us and we will everything you need to help you. 
You can withdraw the money from your account within 180 days. We will send you an email when available. We just want to make sure you have money in your account to cover any payment cancellations. 


XXXX ene. XXXX XXXX Your PayPal funds can now be withdrawn. 
To withdraw funds from your account, log in to PayPal. 
We remind you that access to your account will remain limited. 

While access to your account is limited, you can : * Add logos to your auction ads or your website. 
* Update your account information.

* Withdraw funds from your account.

Fine! 

Once this time has passed ... When connecting to my account some time later ... I find a surprise : PayPal - {$1.00} XXXX de XXXX de XXXX Transfer {$1100.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; XXXX XXXX a PayPal XXXX XXXX de la XXXX de XXXX XXXX ; PayPal 's damages caused by Acceptable Use Policy violation I have not violated any policy as they say here, when they blocked my account, there was another reason ... And now they kept all my balance! 


never says that I have violated any kind of policy, nothing at all, this is something that paypal did by force! and is ripping off all users!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Equifax and XXXX are all listing incorrect information on their sites ( and XXXX XXXX ) picks it up and lists this information on its site. 

Specifically : 1. they are listing my account with XXXXXXXX XXXX as closed, when it should state " Paid In Full ''. 
2. They are listing I owes XXXX XXXX {$39.00}, XXXX unpaid money. This is incorrect and I have contested and sent collaborating evidence, yet they continue to list this. 
3. I am also listed as having 175 credit cards. In the past I had approximately 4-5 credit cards total and presently only two.

Finally, every time I contest the erroneous information they use these old accounts as a reason to drop my credit score. Also every time I use my credit card, even though I pay the balance off edarly - prior to the due date, they drop my credit score. 

They are doing this to get me to buy in to their services, i.e. applying for credit cards they advertise and support on their sites. Since I told them that I was not interested in their products they have continuously dropped my credit score while continuing to bombard me with requests/emails to buy their products. 

They are causing me to lose financial opportunities and are crushing any chances I have of applying for a home, apply for bonding and most importantly, trying to break my spirit. 

I just checked again to day and they dropped my credit score again. I need your help to make this stop. 

I have backup information for XXXX and XXXX if you wish to have them. 

Thank you for your time and effort.
Product: Bank account or service

On XXXX XXXX 1994 I opened an IRA with Wachovia Bank ( for my retirement ) .I let the money sit and was going to add more monies to the account. However when I reached retirement age of XXXX went to withdraw y monies. By this time Wachovia had become Wells Fargo. So I approached the Wells Fargo Branch ( on Main St. ) in XXXX XXXX and was told my money was sent to unclaimed property. I contacted them and they said them I needed a date or at lest the year so that could look it up. I then went back to that Branch a few days later and was abruptly told not to come back to the Branch because they ca n't help me! So I went to the XXXX, Ga. Branch and spoke to a Personal Banker XXXX XXXX XXXX. She looked up my information and said '' Oh this happened before I came to this country so I ca n't help you '' .Now I 'm really confused as to what 's going on? When I came home I looked at my paper work again and realized that the person that had opened my account changed the numbers on my form. But was unable to change it on my benefit form. I later spoke with several organizations, and sent many letters ( see attached ). I was told that because I did n't withdraw my money within 5 years they no longer have records ( I find that hard to believe ). As I was told by a Wells Fargo correspondence specialist t hat because I did n't take it out does not give them the right to steal my money, after all IRA stands for Individual Retirement Account .I do n't understand why no one wants to acknowledge their error. I remember receiving a letter stating that maybe the money was transferred to another institution or the account was closed. That 's not and acceptable answer, since I did n't authorize for it to be removed nor did I close the account. Even worst if they 're a respectable organization why did n't they contact me of the change instead of just sweeping it under the rug?
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account showed up on my credit report out of nowhere. I contacted the credit agencies to dispute it because it doesn't belong to me. I have no knowledge of the account and I received no notice from anyone about the account. It just showed up on my credit report. I contacted XXXX to dispute it. XXXX sent me an email with a document showing that they added a note to my credit report that it's disputed, but the account is still on my credit report. I have no documentation concerning this account because it is not mine! I have no knowledge of the account. It is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan open in XXXX XXXX was repossessed car was sold to me at an outrageous financial rate and a car that was crashed and presented as new. I was scammed with this vehicle and they would n't resolve anything when I came to find out shortly after I was denied help. I have contacted Santander in regards to what they state I owe which should be nothing as the car was n't worth nearly half what it was sold to me for. I ask they remove this negative account and leaves alone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Experian and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If Experian and XXXX do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} ; DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$6500.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} ; DEPT OF EDUCATION/XXXX  XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} ; DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$1400.00} ; DEPT OF EDUCATION/XXXX  XXXX Date XX/XX/XXXX XXXX XXXX {$250.00}
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for a loan through XXXX. The loan was for {$2500.00}. I was told over the phone that I would be billed $ XXXXMonth on the XXXX of each day. On the XXXX of XXXX I was billed again for the same price ( {$240.00} ). I called the toll free number to dispute it but was told that I signed a contract to be billed bi/weekly for 18 months. I was never told this. I asked a couple of times to be sure that it was only one billing per month. There is no way I would have ever signed a contract for a {$2500.00} loan if I knew that I was going to have to repay them a total of {$8600.00} over 18 months!! I asked the gentleman if I could repay the {$2500.00} in one lump sum and avoid the penalty fees and he told me that wasn't an option.