23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is not up to date, Experian boost will not let me boost XXXX, I have paid XXXX since XXXX, 3 months and I want it on my Boost and I want my account up to date
Product: Debt collection

I have a a unverified account from  BULL CITY FINANCIAL SOLUTIONS  #  XXXX . I had previously disputed this account. I have never done business with  BULL CITY FINANCIAL SOLUTIONS . Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I  dispute the validity of the debt purport I owe. I request that BULL CITY FINANCIAL SOLUTIONS Provide verification of the following  : 1. ) The  original Application or contract ; any signatured documents legally binding   XXXX   XXXX   to do business with said company.    2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest,   charges, or other fees placed on this account. I want to request that BULL CITY FINANCIAL SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit card

On XX/XX/year>, Apple posted a charge of {$75.00}, for a 1 yr. subscription of XXXX XXXX. I immediately disputed the charge, I explained that I had signed up for a 7 day-free trial but had forgotten to cancel at the end of the free trial period. They waited approximately 4-5 days and the response was : Dispute Denied, Decision Final. I called and spoke to two different Customer Reps. The first one, stated that the system did not allowed her to do anything with the dispute, I requested to speak to a supervisor and was connected to XXXX. The lady was very nice and pleasant but stated that she was not promising any positive results. I asked her the reason why my dispute had been denied, she stated that she didnt know. Today, is XX/XX/year>, and I still have not received a resolution or refund to my Apple credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from XXXX in XX/XX/XXXX. I had some difficulty with the payments due to the pandemic. XXXX provided a month hardship deferral. According to my XXXX report I fell behind in XX/XX/XXXX. However, the Equifax reports shows a DOFD ( date of first delinquency ) as XX/XX/XXXX. I was shocked to learn that XXXX accelerated this loan after only 90 days, although the FDIC suggest 120 days for a close-end product such as this. It should be noted that with regard to XXXX the myFico combined report does not display any data for this loan.
Product: Debt collection

I am writing to formally dispute the validity of the debt that Meridian Financial Services claims I owe related to timeshare with the XXXX XXXX XXXX. I assert that I have no outstanding debt related to the maintenance fee. 
According to the remittance statement sent by The XXXX in XX/XX/year>, it was clearly stated that a late payment fee of {$35.00} would be assessed if payment was made after XX/XX/XXXX. I mailed my payment, including the late fee, on XX/XX/year>. This payment was subsequently cashed on XX/XX/year>, which indicates that the balance was settled in full. 
However, two weeks later, I began receiving phone calls from Meridian Financial Services, claiming I owe an additional {$310.00}. Despite explaining that the debt was paid in full, including the late fee, Meridian insisted on the additional amount and threatened to report this as delinquent on my credit report. They also stated that I would not be permitted to use the timeshare property if I did not pay this additional {$310.00}. When I explained that this was a mistake, they said there was nothing they could do to rectify the situation and that I must pay this additional amount. On XX/XX/year>, I received a letter from Meridian stating that failure to pay this amount within 45 days would result in a negative report to the credit bureaus. Without waiting for a resolution, Meridian reported this amount to the credit bureaus on XX/XX/year>, which has unfairly impacted my credit score. 
I requested that Meridian Financial Services correct the erroneous report on my credit history immediately, but they have not. They refuse to acknowledge the debt was paid in full before any collection efforts occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt/item in question belongs to a family member with the same name and address. I have filed multiple disputes directly with all 3 credit bureaus and Experian refuses to investigate and correct the incorrect information returning with " Completed investigation of FCRA dispute - consumer disagrees ''. Experian and XXXX have already corrected the mistake. The collection agency directly is not responding mailed letters.
Product: Credit card or prepaid card

American Express closed my Blue Cash credit card, which had over {$2500.00} in rewards in the account. The did not allow me to claim my rewards as cash back, as I should have been entitled to do. In effect, Amex stole my cash back rewards. I filed a prior complaint about this - which also included a complaint about other Amex cards as well - Amex replied to my other complaint but completely ignored my complaint about the Blue Cash credit card. They are a bunch of thieves and fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Bayview loan servicing and their foreclosing firm, XXXX XXXX has wrongfully collected funds from the sale of my foreclosed house. Bayview billed and collected money from me beyond what was fair and legal. 

The attached ledger shows that in their statement of what I owed, Bayview billed me twice for the foreclosing attorney 's fees. 
Arrowed XXXX and XXXX in the attached documents. 
I was charged {$660.00} on XXXX/XXXX/2016 on behalf of the attorney 's firm, XXXX XXXX. Then the same charge was billed to me again on the ledger of attorney fees, which I was billed again {$660.00} on XXXX/XXXX/2016, then {$75.00} XXXX/XXXX/2016, and {$310.00} on XXXX/XXXX/2016 all on behalf of the attorney. The {$660.00} appearing twice is a double billing and an improper charge. 

The attached information also details property inspections by Bayview for 3 years which I was not aware of, I was not notified,, I was never billed, and the payment for these so called property inspections they claim are paid by their corporate office without my knowledge and consent. They have collected {$1300.00} for these inspections, which I knew nothing of. They billed for these inspections even in months when my mortgage note was paid, and they never notified me. It is fraud and unfair act against FDCPA. 

XXXX XXXX also collected additional {$690.00} fees from the surplus of the sale after all their services had been billed and collected by the lender from me. I complained to the firm that it is atrocious, and any agreement of charges was between them and the lender who hired them. Since they were hired by the lender and paid by the lender who billed me for all fair services, under the law, any direct additional billing by XXXX XXXX is unfair under FDCPA and I do not agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent XXXX XXXX a Certified Mail Letter requesting an unknown inquiry be deleted from my Consumer Report in which I have yet to receive a response! 
XXXX XXXX is in violation of my rights as a Federally Protected Consumer
Product: Checking or savings account

today, XX/XX/XXXX, I as supposed to get my payroll check. It was set to be posted today. it was NOT an early check. I as on hold with CSR along with many other customers. They have had issues with deposits and have given no explanation nor timeline.
Product: Prepaid card

I originally made the complaint and AMEX reached out but we were unable to connect consistently, and they 'closed " the case.. so to retell the story : I received gift cards to for the holidays, I can not use the cards anywhere, I have tried online multiple times, as well as in brick and mortar stores, they simply do not work. If you go on the AMEX gift card website, it says that there are funds in the card but they are consistently declined, everywhere. I called AMEX customer service and they can not offer me any type of resolution. They do not tell me where I can and can not use the cards ( their website falsely advertising that they can be used online and in person wherever AMEX is accepted ) They can not transfer balances for the unusable cards to a new physical card or somehow to my AMEX account, and they can not offer me a refund. It seems like they have designed their systems to skim a few dollars from the american consumer. They hold our legal tender hostage and tell us that there is nothing they can do about it. They have falsely advertised their products to be used anywhere AmericanExpress cards are used, which again, is completely false! I can not reach a resolution with AMEX customer service. I am happy to submit gift card numbers, serial numbers, original tracking numbers as well. please help! this isn't fair, and it's the holiday season, when we needed to use them. We paid a lot of money for this. Whatever you need please email me and i will submit all necessary documentation
Product: Payday loan, title loan, or personal loan

I am an existing client with this company. I put in a request for additional funds. After 2.5 weeks of continuously asking me for one new item after another, they declined my loan saying, " Unable to verify income ''. This is FALSE. I uploaded my XXXX & XXXX 1040 's, I also uploaded my XXXX 1099 from my employer ( Have not filed XXXX taxes ). I was approved on my previous loan with Sofi using the same 1099 's for years XXXX & XXXX from my same employer. 

Sofi was also in possession of my XXXX 1099 for well over a week before making their decision. They only made their decision after I uploaded a Profit & Loss showing a XXXX expense, for the entire year! My Debt to Income Ratios are below 25 %, My Fico is a XXXX, and my income was almost 300k the last 3 years running. My unsecured debt is {$8300.00} and I have been with my current employer for 4 years. 

I have been around lending and for over 26 years. Sofi has denied the loan saying they were unable to verify income when all income was provided. They have been misleading and vague since I started the process with them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX XXXX This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 15 U.S.C 1681 Section 602A. 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 Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account XXXX XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX  XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) PLEASE DELETE THESE ACCOUNTS FROM MY CREDIT REPORT
Product: Checking or savings account

I am writing to file a formal complaint against First Tech Federal Credit Union regarding a significant discrepancy in the APY rates promised and the actual rates applied to my rewards checking and savings accounts. 

In XX/XX/XXXX and XX/XX/XXXX, I opened First Tech Reward Checking and Reward Saving accounts, influenced by assurances from a First Tech Member Relationship Manager. The Manager assured me that both my rewards checking and savings accounts would receive a 5 % APY, with no conditions attached. Additionally, it was stated that for balances exceeding {$15000.00}, a 4.8 % APY could be achieved under certain conditions. These assurances were influential in my as well as through the First Tech app 's interface, I maintained a balance exceeding {$40000.00} since late XX/XX/XXXX. 

According to the information provided by First Tech employees and the app, I anticipated receiving a total interest of {$630.00} between XX/XX/XXXX, and XX/XX/XXXX. This was to be distributed as {$370.00} for my rewards checking account and {$250.00} for my rewards savings account. However, during my recent visit to the First Tech branch on XX/XX/XXXX, I was informed that my accounts were accruing a mere 0.01 % APY. This discrepancy has resulted in a considerable financial loss for me. 

Enclosed with my previous communication to First Tech were documents corroborating my discussions with the Manager, confirming the promised APY rates for each transaction. Screenshots from my account indicating a 5 % APY were provided. Additionally, during conversations with XXXX XXXX XXXX representatives about XXXX or ACH issues, it was reiterated that my reward checking account would only yield 5 % APY for up to {$15000.00}. The recording could be found under my phone numbers and my SSN and account.

Certainly, here 's a revised version of your message : I have furnished XXXX XXXX with all the necessary details, including the aforementioned information, screenshots, and the receipt, and have formally lodged my complaint. Despite this, First Tech contacted me to decline my appeal for the restoration of the originally guaranteed 5 % APY interest rate. I sought a written justification from First Tech during and subsequent to our conversation ; however, I was not provided with one. Instead, I was given the contact details for the First Tech Legal Team. My request remains straightforward : I urge the reinstatement of the 5 % APY interest rate as initially assured by First Tech Federal Credit Union.
Product: Debt collection

Dear Sir/Madam : I received a notification in the mail stating that I owe {$710.00} dollars from Access Receivables Management XXXX XXXX XXXX, XXXX, MD XXXX case number is # XXXX, they were retained by XXXX XXXX XXXX XXXXXXXX XXXX I enrolled for a class back in the fall ( XXXX ) for the XXXX XXXX for XXXX to take a class. However, I was unable to take the class due to financial reasons. It is the practice of the school to enroll via student loan or pay by cash, check. or credit card. 

I wasn't able to do so as I stated, so normally the class gets dropped if you do not pay by the deadline. Apparently, the school did not drop the class which must have been a glitch is what I can only believe happened. So, now they are trying to collect money for a course I never took. 

If you go to the grocery store and place items in a cart and get to the register and don't pay for them, you can't go out of the store with the goods. Any servicing or product based entity will not allow you to receive the merchandise/services without paying. So, how this happened that this got pass someone in the schools administration I do not know. I have been attending this college since XXXX and this has been the process, since then. I do not want this to appear on my credit on keep me from finishing my education. I have a few more courses to take get a dual degree in which I am being told no longer exist. I have exhausted my ability to apply through financial aid this time. The only way I can do so is when I obtain my XXXX XXXX XXXX. My education is important. I need your assistance in resolving this matter. 

Very Respectfully XXXX XXXX ( XXXX ID at XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XX/XX/2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Checking or savings account

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

My son opened a student account when he was still a minor, and I was added to the account. We were told the benefit of the account was no overdraft fees. However, upon turning XXXX overdraft fees were assessed on the account for {$3.00} being overdraw. The bank refuses to waive the fee, despite claiming to no longer charge overdraft fees. They are also strong arming me by not allowing me to be removed from the account. Below are the interactions I've had with the bank : XX/XX/year> son overdrew account by {$3.00} XX/XX/year> {$36.00} overdraft fee. 
XX/XX/year> Received threatening notice that if fee is not paid, the account will be closed, an additional {$30.00} fee will be added and credit will be impacted. 
XX/XX/year> Visited local branch. The manager said corporate locks them out from removing fees. 
XX/XX/year> Called XXXX different branches. The first person I spoke to was rude and hung up. I called a different branch and asked to speak to a manager, who was unsuccessful at removing the fee. 
XX/XX/year> reached out via XXXX and was provided a case # XX/XX/year> Received an email from XXXX XXXX stating fee will not be removed.
Product: Checking or savings account

On XX/XX/XXXX t mobile debit my wellsfargo checking account XXXX. I contact both bank and merchant to find out how and why this happened. After XXXX days of investigation tmobile ultimately was responsible for the mishap. The matter was resolved on XX/XX/XXXX a final credit of XXXX was posted to my account. On XX/XX/XXXX tmobile authorized XXXX. I was contacted by a representative of tmobile explaining it was a mistake if the bank had already given me the credit. I told the rep the money is there and she stated it's to late to reverse can I go in to a XXXX  store to return. I went to a XXXX  branch paid the amount using my wellsfargo account. I check my account on XXXX and find that XXXX has been withdrawn from my account and the culprit was wellsfargo stating I was credited twice. I called customer service and the call was escalated to resolution rep as well as went to local branch that said they don't handle fraud cases. I asked why did it take XXXX months XXXX pay checks several deposits later for them to notice this and why was I not given a letter or an alert to resolve this matter before my account was debit and currently overdrawn. My answer from the resolution rep was that I could speak to an XXXX, which would contact me. And as yet to happen. I ask when I file a fraud case are you not communicating with the merchant. To ensure that the consumer will be made whole and was told that's not how it works. I feel totally violated and unappreciated as a customer of wellsfargo because of there lack of assurance when it comes to transactions and poor customer service skills.
Product: Credit card

I'm a credit card attorney practicing for 20 years, for full transparency, and I am filing a proposed class action lawsuit in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Illinois. Bank of America allowed massive fraud to be committed on a credit card account, and debited unauthorized funds from my Bank of America checking account. Based on the nature of the circumstances this is likely an internal ATO. I reported it at the start of XXXX when I became aware of it ( they have XX/XX/XXXX in their system, each time I call they reset the clock ). They investigated, found the fraud, and there is currently a credit balance refund ( XXXX ) of over {$27000.00} sitting on the account. On XX/XX/XXXX, I made a request for the funds to be returned. BofA stated their policy is 10 business days. Regulation Z section 1026.11 requires that XXXX be refunded back to the customer within 7 days of the request. BofA has violated Regulation Z which carries statutory penalties and punitive damages. This in on top of the Regulation E violation for unauthorized withdrawals. It is now XX/XX/XXXX, and there is no refund. I have called at least 4 times, each time being transferred between fraud and customer service multiple times, each time being told they are still investigating. 1026.11 triggers the moment there is a XXXX on the account and the customer makes a request, Reg E 's 10 day investigation clock ( and 1 business day adjustment period, 3 business day notice period ) triggers when a claim of unauth withdrawal is made. I believe BofA is engaging in a pattern and practice of holding peoples ' funds XXXX and engaging in deceptive, never ending " investigations '' with no updates to the consumer, in addition to violation Regs E and Z. I asked them today, the XXXX, to notate my account with this information, advising that I would be filing both a CFPB complaint and a proposed class action if my funds are not returned in 24 hours. I am hopeful upon receiving that notation, someone will realize what they're up against and how what they're doing to me and countless others, first allowing the fraud and then holding the funds hostage indefinitely, is wrong.