23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$780.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

I Will not file a complaint if this is updated to paid as agreed and updated from 30 days late. according to the FCRA LAW 15 u.s code 1681. I quote on quote have the right to a fair credit report and any false information on my credit report may be updated! I was never late with the account XXXX XXXX XXXX. Account Number ( XXXX ) I Was not late on the falling day XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 my application was denied for reasons that go against consumer laws I did not give permissible purpose as usc -1681b paragraph XXXX. I never gave written intuitions permission to do anything, but the financial institution assumed I did apparently 15 U.S. Code 6801 - Protection of nonpublic personal information - ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 
( b ) Financial institutions safeguards ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( XXXX ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Checking or savings account

On  XXXX   XXXX ,  2017  I deposited  XXXX  United Sta tes Postal Money Orders into  my bank of america checking account via ATM.   XXXX  The total deposit amount was {$2200.00}.   XXXX  bank of america has placed an illegal 10 day hold on my deposit, citing the money orders need to be verified with the issuing instituti on. ( The US Treasury? ) I have contacted bank of america and spoke with 2 different representatives, one being a c all center supervisor.   XXXX  I need help in resolving this issue and prevent the illegal actions of bank of america.
Product: Credit card or prepaid card

I signed up for the Capital One XXXX XXXX credit card because of an offer for Bonus Point after a certain amount of spend within a certain amount of time. This is a card with a yearly fee and I would not have signed up if it were not for the bonus offer. 

The terms for the bonus were XXXX points after spending {$5000.00} and another XXXX points after spending a total of {$50000.00} within the first six months. I called in to the credit card company in XXXX and was told that the terms have changed due to Covid19 and that I now have until XX/XX/XXXX to spend the {$50000.00} to earn the additional XXXX points. 

I called in to the credit card company in XXXX, XXXX and XXXX to find out how much more ( of the $ XXXX XXXX I need to spend to earn the bonus. The first time I called I was told that the period within to make the {$50000.00} in purchases has been extended until the end of the year. The other times I called in I was told how much more I need to spend to get to the {$50000.00} threshold. 

I called today, XX/XX/XXXX, and was told that their system does NOT show an extension for the bonus spending timeframe and that if I did speak to someone they forgot to add the extension to my account. 

Furthermore, I was told that there is no record of my phone calls with the company. ( I have call logs with dates, times and length of calls on my phone and phone bill ). 

I have actually spent over {$51000.00} by XX/XX/XXXX and according to the terms of the signup offer and extension period for the spend I qualify to receive an additional XXXX credit card points. 

Additionally, the extension of the 6 month spend period for the bonus points was widely published on various internet publications.
Product: Payday loan, title loan, or personal loan

Good Morning, I currently have an installment loan with OneMain Financial and recently XXXX XXXX XXXX XXXX XXXX. I thought I was protected but the add ons that the OneMain Staff pressured me to purchase, ballooning my payment from {$250.00} a month to {$370.00} a month doesn't apply since my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX doesn't cover. Additionally, the I contacted OneMain several times at their local office and their main office to cancel the policies, however they still have not responded and I am still getting these substantial bills for addons. I even completed the appropriate cancellation paperwork and submitted it to both offices, however they continue to ignore the emails. 

I believe that OneMain Financial violated UDAAP by pressuring me to quickly agree to the loan terms while on the phone and " waving '' over the additional cost and eligibility requirements.
Product: Prepaid card

At XXXX on XXXX XXXX I purchased 5 x {$200.00} VISA gift cards ( total {$1000.00} ) at a XXXX store located in XXXX XXXX NC XXXX When I got home and opened the packaging, I found that one of the cards was defective -- it was missing the last 4 digits of the card as well as the Security CoXXXX on the back. At approximately XXXX I returned to the same XXXX to exchange the card. Although XXXX could confirm the purchase, that none of the balance had been used and confirmed the defective problem, the XXXX Manager advised that they could not refund or replace the card and I would have to take up the problem with the card 's Customer Service. I called the phone number on the card ( XXXX ) and was told that the company would file a problem report and that it could be resolved within 30 days. I was not happy, and reiterated the facts that I paid {$200.00} cash for the card ( {$200.00} plus {$6.00} purchased fee ) and had received a defective product. I insisted that it is the company 's problem to resolve, not mine, and that I should not have to wait 30 days to receive resolution. I asked that the company simply cancel the original card -- which they knew had not been used -- and immediately issue me a replacement and thereafter the company could spend however it long it wanted to research the source of the problem. I should not have to wait for my money while the company figures out why the problem occurred. I spoke with CSRs XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of whom refused to provide their last names and were of no help, simply repeating " this is our process '' over and over. I asked to be transferred to a Senior Manager. " XXXX  '' was clearly reluctant, but ultimately said he would and placed me on hold while he " transferred '' me to a Manager. In reality I believe he just hung up the phone and that was the end of the call. I asked for a phone number where I could reach a company representative in the United States ( I was having a difficult time understand them ), but XXXX claimed that they do not have representation in the United States. I can not imagine that to be the case, but that is what he claimed and he did not provide any alternate contact information. The back of the card has only the XXXX number and the customer service website of XXXX, however contacting them via the website requires that one first enter the 16-digit card number, which I can not do because the very problem is the absence of the last 4 digits. I do not believe it fair that the company can keep my money for 30 days pending outcome of their " investigation ''. They know the card was not used, and therefore should simply immediately replace it. I greatly appreciate any assistance from CFPB to resolve this issue as quickly as possible. {$200.00} is a lot of money. I may be reached at XXXX, or email address XXXX. Thank you for your attention. Sincerely, XXXX XXXX
Product: Credit card

I rented a car using this credit card. The rental included all the insurances offered. There ws a side swap collision, not my fault, the other driver got a citation for that. I was told that any towing service would be provided by the rental company for free by the time of the rental. The key had a big red phone number and it was written to call them to get the free assistance for any problem, and so I did. I had my credit card locked because the procedure to rent that car was everything but professional, with the clerk taking pictures of my credit card information and sending to other person who was not present at the store to make the payment. After some time I got a message stating that there was a purchase attempt on my credit card but it was declined because the card was locked. So I didn't care about that. Now I'm being charged for more than {$200.00} on the same credit card by the same company for the attempted purchase that was declined, and they say me this is because of the toll service that was told me it was free. The credit card company, the same that charged me for a transaction they informed me was declined because I had my credit card locked now says I have to dispute the transaction with the rental company. So, I'm their customer, I had my credit card locked, what means I don't recognize any further purchase. They send me a SMS message and an email telling me the purchase was declined but they decided to charge me anyway and now they say I have to go through all this disputing charge process to give my money back and they can't do anything about it.
Product: Debt collection

This debt collection is attempting to report and collect a debt by XXXX that is not correct. the balance states I owe XXXX which is incorrect. My phone was disconnected due to non payment which was XXXX at the time. which was in XXXX, XXXX  in XX/XX/2022 an additional fees were added. The CS states that i will be credit. XXXX then stated the bill was XXXX dollars and the credit made it to XXXX. I never received a bill for XXXX and at the time my bill was only the XXXX.
Product: Checking or savings account

My phone and debit cards was stolen on the XXXX of XX/XX/. I called bank of Oklahoma to block my card but whoever stole my phone was able to access my online bank and stole {$2000.00}. The bank claimed they will freeze my account and carry out and investigation and a dispute was filed with the fraud department. Today, I was told the my dispute was denied and that I owe the bank. I was spoken to in a horrible way by someone from the loss prevention department I assume. He spoke to me as if I had stolen my own money and asked my questions in that regards. Whoever hacked into my account also took money from my XXXX XXXX XXXX account. I am a victim of identity theft and I am currently filling a claim. I
Product: Mortgage

Around the last week of XX/XX/XXXX, I tried to refinance my mortgage loan with a local company that is in my town, Guild Mortgage. ( Conventional-30 year-no escrow and cash out ). I sent everything to them they requested. ( check stubs, past tax information, etc ) They ran a credit report on me and said everything was good and could move forward. By then we were into XXXX, XXXX and was told everything might be wrapped up by end of XXXX. That did not happen because it took them about 2 weeks to get someone to come to house and do an appraisal. By then it was the last week of XXXX. I received the results of the appraisal on XX/XX/XXXX. There were some discrepancies in the appraisal which made the loan short for getting the cash out I had requested. This company was suppose to contact the appraiser to get this fixed and I am not even sure that was done. On XXXX the loan XXXX we had been working with sent a text and said he was sorry but the 30 year loan could not be done it had to be 20 year. They were informed that this is not what I had requested since the beginning of this in XXXX and why wait so long to tell me?? Then a couple days after that they changed back saying they could do the 30 year but no cash out!! This was very discouraging since I had waited about 6 1/2 weeks to get this done and had my credit report hit with this! I am beginning to feel like this was age discrimination or they just didn't want to refinance since it was a manufactured double wide. They should not have waited and carried this out so long and said something from the beginning. I hope other people do not have this issue when refinancing with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attacher is a copy of the complaint I sent to XXXX care my mortgage company. XXXX has been incorrectly/or not reporting my payment history with them for over 8 years now, and it is affecting me adversly. I have never missed a payment every since I have had a loan with them. Nor have I ever been in a bankruptcy with this lender. This lender carries a bankruptcy disclouser on my mortgage staments, and I have pleded with them to discontinue this behavior, but they continue to violate me in this manner. I have researched this company, and found out they have did the same thing to other mortgage holders, and have been fined. 

This behavior on part of XXXX has cause me to be denied credit for a Home equity loan. Yes, that is another whole seperate complaint coming over to you. My civil rights have been violated and I am not sure if they can understand the affects of having that happen to you. I would like to prosecute this complaint to the furthiest extent possible. please forward my complaint to other governing bodies whom regulates mortgage lenders.
Product: Checking or savings account

Chase bank closed my account without warning yesterday and did not disclose the reason. It's the second time I experience my account being locked by them without reason but the first time they locked and also closed the account. When I called to ask what the reason was for the decision, the two employees I spoke with both said the bank did not leave a reason in their " review '' of my account, and that the decision would mean I would no longer be able to open an account with them in the future. I opened a credit card account with them a little over a year ago which I was experiencing difficulty paying due to unemployment/housing instability. When I became employed earlier this month, I decided to open a checking account with them because I understood this to be the easiest way to start repaying my debt and a show of good faith in my ability to do so with a direct deposit from my employer, a reputable cultural institution in XXXX -- also a client of Chase. They closed my account without warning within a week of my opening the checking account with them -- before I even received my debit card in the mail from them, in fact -- and this is not only putting my ability to pay rent on time at risk but my entire living situation as well since I now don't have a reliable way of making electronic payments. I'm incredibly shocked and disappointed by the bank 's behavior. It's dishonest and borderline criminal, fine print notwithstanding.
Product: Credit reporting or other personal consumer reports

I'm sick & tired of having to go back & forth with these people about INACCURATE INFORMATION ON MY CREDIT PROFILE! NOW I SEE THE GOLDMAN SACHS HAS CHANGED TO A LOCKBOX COMPANY AND STILL REPORTING WRONG INFORMATION! WHY DO YOU THE CFPB CONTINUE TO ALLOW THIS TO HAPPEN?? MY BALANCE IS CONSTANTLY FLUCTUATING ON MY REPORT WITH AMOUNTS THEY ARE JUST CHOOSING TO COME UP WITH! THIS IS EXACTLY WHY I CLOSED MY ACCOUNT! THEY KEEP PRETENDING TO PROVIDE ME WITH THE SUPPOSED INFORMATION BUT YET TO DO SO!! MY NEXT STEP IS A LAWSUIT CAUSE ITS RIDICULOUS THAT YOU ALL CAN JUST DO WHATEVER YOU WANT EVEN WHEN ITS WRONG! MY BALANCE HAS NEVER BEEN {$3400.00}!! HOW CAN YOU CONTINUE TO DO THIS?? IT STATES I MADE A {$1300.00} PAYMENTS SO HOW CAN IT GO UP FROM WHAT WAS PREVIOUSLY REPORTED IF I CLOSED THE ACCOUNT & CONTINUE TO MAKE PAYMENTS?? I HAVE PROOF MY BALANCE IS {$2800.00} & WILL ONLY GO DOWN CAUSE I MAKE MY PAYMENTS ON TIME!! IF LOCKBOX IS OVER IT NOW WHY DONT IK WTH THEY ARE & HOW TO GET IN TOUCH WITH THEM! THATS NOT WHO I ORIGINALLY OPENED MY ACCOUNT WITH & DONE BUSINESS WITH! XXXX XXXX & HAVE A XXXX XXXX & THIS IS & HAS CAUSED EMOTIONAL, XXXX XXXX XXXX & FINANCIAL DISTRESS UPON ME! IM PROVIDING PROOF OF EVERYTHING I'VE STATED EVEN SHOWING THE DATES! 
MY BALANCE IS ONLY {$2800.00}!! NO WAY IT CAN BE OR EVER BEEN WHAT's REPORTED! 

GOLDMAN SACHS, XXXX & XXXX HAS STILL YET TO SHOW & PROVIDE ME WITH DOCUMENTATION STATING HOW THEY'RE COMING UP WITH ALL THESE AMOUNTS OF XXXX  BALANCES XX/XX/XXXX To whom it XXXX concern. This is ridiculous & I expected better from you XXXX, especially knowing how horrible Goldman Sachs are. I don't understand how you can previously update my account balance for this Apple Card to one thing & then turn around & increase the balance. That doesn't make sense whatsoever ESPECIALLY knowing that I closed my account with this company because of ALL the problems Ive had with them along with thousands of other consumers. My balance has NEVER been {$3400.00}. The amount you had updated last month for the {$3100.00} was correct for then but you increased it when I made multiple payments as you even stated in your notes so how does that even make sense whatsoever?

Im enclosing proof of my for balance, as well as what it was prior to you changing it to a higher amount dated yesterday. None of that's correct. My CURRENT BALANCE IS {$2800.00} & it's ONLY GOING TO DECREASE NOT GO UP BECAUSE IVE CLOSED IT AS YOU SEE & I ALWAYS MAKE MY PAYMENTS ON TIME AGAIN AS YOU SEE! PLEASE QUIT PLAYING IN MY FACE & WITH MY CREDIT PROFILE OR I WILL FILE ANOTHER COMPLAINT WITH THE CFPB AS. WELL AS A LAWSUIT FOR INACCURATE INFORMATION!! 
PLEASE UPDATE MY BALANCE & CREDIT REPORT ACCORDINGLY & THATs WITH A BALANCE OF {$2800.00}!!! 


PLEASE & THANKS SO MUCH, XXXX XXXX XXXX
Product: Student loan

In XX/XX/XXXX/XX/XX/XXXX my mother XXXX XXXX XXXX XXXX pays my student loans automatically each month. I received a call regarding my loan from Navient stating I was months behind. I knew this was not possible since my mother pays this automatically. I immediately made a {$670.00} payment. Both of my mother 's payments were refunded to her. She has since made another {$480.00} payment to Navient on X/XX/17. Since this mix up with Navient and overpayments being sent back, wrong phone numbers, harassing phone calls to both myself and my mother 's cellphone Navient has placed a 90 day derogatory remark on my credit ( XXXX XXXX XXXX ) Both of us have tried numerous times to get this rectified to no avail. I would like this immediately removed from my credit report. Navient is threatening and continues to harass and give both of us incorrect information. This information has a negative impact on my current schooling.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized inquiries on my TransUnion credit report, which have recently come to my attention. These inquiries were conducted without my consent or authorization, and as such, I request their immediate removal from my TransUnion credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( a ) ( 2 ) and 611 ( a ) ( 1 ) ( A ). 


XXXX XXXX XXXX XXXX XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX. XXXX XXXX - XX/XX/XXXX - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX -I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

XXXX XXXX XXXX XXXX  - I dispute this unauthorized inquiry listed on my credit report. I did not authorize or initiate this inquiry. I demand an immediate investigation into the legitimacy of this unauthorized inquiry. I insist on its prompt removal from my credit report. 

Under Section 609 ( a ) ( 2 ) of the FCRA, consumers have the right to request the disclosure of their credit report, including the sources of inquiries made within the past XXXX years. Upon reviewing my credit report, I discovered unauthorized inquiries that were not initiated or authorized by me. These inquiries have negatively impacted my credit score and financial standing.

Furthermore, under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, consumers have the right to dispute inaccurate information on their credit reports and request its correction or removal. The unauthorized inquiries on my credit report are inaccurate and misleading, as they do not reflect any legitimate credit transactions or applications initiated by me.
Product: Student loan

Requested Student Loan Payments that were made during the Covid payment pause period in XX/XX/XXXX. It is now late XXXX and have not received the refund via direct deposit or check. The balance was restored on XX/XX/XXXX but the payments have yet to be returned. Have contacted customer service multiple times about this and have gotten nowhere.
Product: Money transfer, virtual currency, or money service

On XX/XX/22 Coinbase solicited my enrollment in their Coinbase XXXX service. The solicitation offered a 30 day trial period with a confirmation email that stated ( quoting ) : After your free trial ends, your subscription will automatically renew every month for XXXX On XX/XX/22 I noticed a {$29.00} charge from coinbase. I contacted their phone support and explained the situation, asked for a refund and told the agent I had canceled the service. The agent refused to issue the refund I offered to send a copy of the email stating there would be XXXX charge. However, they said that no refund would be considered.