23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I tried multiple times to use my AMEX gift card to purchase items on XXXX and XXXX. The card kept getting declined. I called the phone number on the back of the card and they informed me that the card is being declined because the merchants don't accept the gift card due to security reasons.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX ; XXXX **** Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/year> - {$460.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I demand this account be deleted from my credit report. This account has previously been deleted ( XXXX XXXX. XXXX, XXXX Account # XXXX ) but was sold again into collections. Which is invalid. Due to false reporting, I am able to file a lawsuit And it will be a fine per inaccurate violation. 

I did not give them permission to use my information. 

I have contacted the lenders asked for the written consent I gave them and none of them could provide me with said documents.
Product: Mortgage

I have submitted a PMI cancelation letter to Green Tree, and they denied, even thought my loan to value is already 79.89 %. My understanding is that once the LTV reaches 80 %, I can by law requires the cancellation of the PMI. 
Green Tree point out to me, in the letter that I attached, that : A minimum aging ( seasoning less than 2 years ) is required for my account, and the loan to value need to be 75 % or less. 
The date that my mortgage is schedule to reach 75 % is XXXX/XXXX/XXXX. 
My closing paper said I can cancel my PMI when loan to value is 80 %, and their escrow department sent me a letter saying I have the right to request the PMI to be cancelled on the date that loan to value is 80 % or lower. Green Tree never mentioned anything about minimum aging or loan to value need to be 75 % or less. 
I would like to ask the CPFB to assist me, in order to have my problem solved. Basically I would like to have my PMI dropped from my mortgage, and any extra payments that I have sent to Green Tree, starting on XXXX XXXX, in case this problem takes a few months to be resolved, to be refunded back to me. 
I appreciated your attention, XXXX XXXX.
Product: Mortgage

Respa has been looked at for my relocation expenses. I was told I would receive {$3000.00}. 
Money has not been received, and I do not want to wait any longer for this money.Thank you.
Product: Checking or savings account

I moved to XXXX, TN about 1 year ago and established a banking relationship with Regions Bank. 
I am retired and get 3 monthly checks. Two checks are for a fixed amount from a national insurance company ( {$8100.00} and {$1000.00} ) each month. I receive a third check each and every month of varying amounts of between $ XXXX {$6000.00}. 
I keep a multiple of many times these amounts in my checking account at all times. 
For the first 9 months I deposited these checks and all went perfectly fine with no holds placed on any of the deposited funds. 
About 3 months ago, Regions instituted a new option on the deposit of checks ( funds available immediately ) for a fee 1 to 4 % of the check value ( with a minimum fee of {$5.00} ). As a business owner and operator for 40 years, I do understand the business need for a fee for the service. 
At the same time that this option was instituted, the bank starting placing a 10 day hold on every XXXX of my regular monthly checks that was more than {$1000.00} despite never doing that in the past. 
I have had XXXX conversations with XXXX of the local bank managers, who apologies, removes the holds, and sends a note for the next regional level of management to contact me about the issue. He states that this situation is due to a new algorithm that the home office instituted about 3 months ago. He hates this as he has to field numerous complaints just like mine. I have never received a call back from the next level of management after 3 months. I have also gone to the Regions website and summitted complaints about the new practice, but received no reply. 
As it appears to me, it looks like the bank is using their new algorithm as a predatory excuse to skim XXXX % off of every large deposited check if someone is in a tight financial situation. Luckily, I keep a large cushion in my checking so that the 10 day holds are not an issue. If I were someone in a tight financial position that couldnt wait for 10 days for the money, this huge fee could be devastating and I think it is very unfair to the average consumer.
Product: Credit reporting

I ordered my TransUnion credit report on XXXX/XXXX/XXXX. I have suffered from continuous issues with TransUnion reporting misleading information that is very damaging to my character. I called TransUnion on XXXX/XXXX/XXXX at XXXX XXXX. and spoke with XXXX. I told him that the credit report shows an account at XXXX County CU # XXXX with a charged off account that was allegedly opened on XXXX/XXXX/XXXX and charged off on XXXX/XXXX/XXXX. I told him that this is absolutely incorrect because I have never had an account with that company opened on XXXX/XXXX/XXXX. XXXX told me that he is unsure of how the information is verified. He states that TransUnion is paid to report monthly information pertaining to consumers ' files and he does n't know if its accurate or not. He apologized and stated that there is nothing that he can do. I asked to be transferred to his supervisor, and he refused to transfer me to one. I asked for his supervisors ' name and he stated that he could not give me that information either. He kept placing me on hold several times, before he disconnected my call altogether. To say that I am shocked is an understatement. Our lively hood is being placed in the hands of consumer reporting agencies that do n't care about the affects of reporting erroneous information to our credit files. It seems as though we are being punished for things beyond our control, and there is nothing we can do about it. Who do we have to protect and stand up for our rights? Please help me, because I am so disappointed that I am being taken advantage of like this.
Product: Vehicle loan or lease

Lincoln Financial reported I had a late payment in XXXX because my payment did not go through. I called them in XXXX and gave them new payment info and they took it out of the wrong account ( the old one ) and the payment didn't go through. They never tried calling me or sending me a letter in the mail. The next month came and it hit my credit negatively with a 30 day late. They were supposed to take it from the new account. I also sent them a letter in the mail and they said there was nothing they can do and we're going to keep it 30 days late. When I found out the payment was 30 days late from my credit keeper it lowered my score over XXXX points. I have perfect credit and have never had a 30 day late. I'm asking them to reverse their decision is it was their error. I will be getting an attorney involved and taking them to arbitration or small claims court if they don't fix this issue. I had my oldest credit card shut down because a recent 30 day late which we them. I also am having issues taking out a current loan right now. I have significant financial damages because of this late recent 30 day late! I'm demanding they d Fix this NOW! If they would like they can listen to all the calls I made to them to switch the account I'm sure their calls are recorded. They said they would fix this and never did! I need this corrected asap!
Product: Debt collection

This is the THIRD month and the THIRD letter that I have written. Ive written on both [ XX/XX/year> ] and [ XX/XX/year> ] but you have either blatantly disregarded my requests to investigate & remove the below inaccuracies OR you have simply been unable to verify them. I am well aware that, based on the FCRA, you must complete any request for reinvestigation within a XXXX calendar day time frame and yet, its been well beyond that! So as a result, and in accordance with the Fair Credit Reporting Act, you must now remove these accounts from my credit report. Amount {$2500.00}
Product: Checking or savings account

I have had a numerous amount of unauthorized transactions posted to my account from XX/XX/2020 to XX/XX/2020 by the ride sharing company XXXX. I have tried to get this issue resolved by my bank but unfortunately to no avail. 

Dates and Amounts : XX/XX/2020 {$19.00} XX/XX/2020 {$17.00} XX/XX/2020 {$12.00} XX/XX/2020 {$11.00} XX/XX/2020 {$21.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$43.00} XX/XX/2020 {$12.00} XX/XX/2020 {$12.00} XX/XX/2020 {$22.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$25.00} XX/XX/2020 {$26.00} XX/XX/2020 {$28.00} XX/XX/2020 {$26.00} XX/XX/2020 {$26.00} XX/XX/2020 {$29.00} XX/XX/2020 {$37.00} XX/XX/2020 {$33.00} XX/XX/2020 {$25.00}
Product: Credit reporting or other personal consumer reports

I have never applied for no XXXX card nor applied or charge nothing on no discover card. 

XXXX has false information on my credit file There is fraud on discover placing a such debt on my credit file. 

XXXX has yet to provide any contract me applying charging or my personal info on this said account. 

I have spoke to an attorney on this matter about filing a Federal Law Suit. 

I have also filed with US Attorney Office on this matter with XXXX
Product: Debt collection

They said if I didn't call them back right away, they would have to turn the matter over to my local jurisdiction. The company is called " XXXX XXXX XXXX '' they described a loan originating in XXXX  from a company called " Easy Money. '' They said they mailed me a letter in XXXX but I can not find it. I asked for paperwork showing this to be emailed to me and they refused stating : " The company wishes to take this matter to litigation. '' They are threatening court action if I do not respond in 24 hours. I asked them if they could resend the letter but they are refusing, stating : '' if they sent a letter then they are obliged to wait 30 days for payment. '' They stated that they deposited the funds into a XXXX XXXX  account that I no longer have access to. I called XXXX XXXX  and they only keep records for the last 7 years. They also stated that they sent notification to an old email address I no longer have access to and can not get past emails. I contacted the XXXX XXXX XXXX but they could not find the company " XXXX XXXX XXXX. '' I do not recall completing a loan from the company Easy Money in XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX {$5200.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My new XXXX lease was over always paid on time with auto pay ( signed with XXXX ). 
I extended the lease and they said that all payment amount and withdraws will stay the same .XXXX  reported to the credit bureau that my account is closed when in fact is still open ( still have the car ) on top of it all they did not charge my account for a payment when i realize i called many times try to reach them with crazy hold time. finely reach them and paid on the XXXX day, my accounts was never late in all my years. my credit score was always XXXX or greater and they caused it to drop down to mid XXXX their automated machine called me hundreds of time when you answer you can not reach no one
Product: Mortgage

Received Shellpoint Modification Trial Offer, agreement. Spoke with Shellpoint by phone asked them to explain the terms of the modification offer. They refuse to give me the details of the modification agreement such as, if the rate is fixed and how many years I will be paying on my mortgage. They want me to sign the trial offer agreement but I don't know what I'm agreeing to. Ask them to give me a the break down of what I'm paying for in my escrow account there reply was they didn't have that information.They are hard to communicate with and unwilling to assist me.
Product: Credit card or prepaid card

I paid off & closed my card with XXXX. After paying it off I received a {$290.00} credit for a purchase for a concert that got canceled. The bank received this credit back on XX/XX/22. Instead of sending me a ck immediately since the acct was closed they sent me a statement with a credit bal. When I got the statement on XX/XX/22 I called & asked them to send me the money, which they said they would. On XX/XX/22 I called again because I had not received the check yet and they told me that they had not sent it yet & were experiencing some delays. I asked them to overnight the ck and they refused. I thought it fitting since not only did they hold on to funds that belonged in an acct that was no longer active and had a XXXX bal. and waited for me to ask for it, but because 10 days had gone by since they told me they'd send me the refund chck. I have no way of knowing how much longer I have to wait for this money to be returned to me. They may delay it again for all I know. At least with the promise of an overnight I'd know right away if they're working on my refund or not.
Product: Credit card or prepaid card

I have a netspend prepaid account i have had it for a few years now.. the problem started when i went to pay for a item on XXXX its called XXXX XXXX.. i had to order a new card for {$25.00} so i could get the card overnighted or i would have to wait 10 or more days for a new card for free i had no choice but to pay for a new card and get it right away all my money is on there.. they put a block on it so i didnt have access to my account at all because they put a block on my card even though i answered to the charge and told them it was me..so i paid and got a new card activated it and was using it as one does.. then my wife and i went out of town to buy a Motorcycle for {$4500.00} so my i could resell it for {$6500.00} i had the deal already set up drove a few hours away got there tried to get my money off and it would work so i looked at my text i got same one there may be a problem so i called the lady said a purchase on XXXX pay happened wanted to make sure it was me i said yes it was she said to me the block was removed i could use my card in XXXX i even got a text saying the same thing that the block had been removed i could use card immediately!! So we waited and nothing i couldnt get the motorcycle i drove all that way for which was embarrassing i couldnt get home i couldnt feed my XXXX small children or get gas all my money was on my card i was stranded with my kids out of town i had to call my mother who had to XXXX XXXX me money for a big fee.. i had to walk with them to pick it up so im out almost {$5000.00} dollars cause Netspend keeps putting blocks on my card even though i talk to them and tell them its me.. i called a supervisor at netspend last night who left me on phone on hold for 36min and didnt even put in for a new card so i could have my money..he just left me on hold until they closed!! i had to call again today and now have to wait 3 days for a new card they kept trying to charge me to send me a new card im tired of not having access to my money i want to SUE them they can not do this i was stranded withmy wife and XXXX kids out of town i lost a good deal i had to borrow money and still have to wait to have access to my money they need to PAY they are scamming people they put blocks on peoples accounts so you have to pay to get your money how awful
Product: Checking or savings account

I have opened new savings and checking account using online promotional offer run by TD bank. Here : https : XXXX I had satisfied all requirements to qualify and also ask for email confirmation from TD bank by emails. Now TD bank saying I open through mailer they sent on my address but I didnt used that mailer I used above link to open account. 

Please call me for more information XXXX XXXX
Product: Payday loan, title loan, or personal loan

Just after purchasing a new home, I needed funds for expenses. I received a pre-approved loan offer in the mail from AF247. It promised flexible repayment terms. It has been nothing more than a nightmare since receiving the loan. The biweekly payments are {$700.00}. Yes, {$1400.00} per month. I am not able to make the payments any longer. I have tried to repay the loan and when large payments are made on the loan, nothing is going toward the principal balance. It's all interest, interest, interest!!! 
On XX/XX/XXXX I refinanced the loan to a total of balance of {$2500.00}. On XX/XX/XXXX, I paid {$1500.00}. On XX/XX/XXXX, I paid {$1500.00}. On XX/XX/XXXX, I paid {$300.00}. I have paid a total of {$3300.00} and todays balance is more than I originally borrowed. The balance as of today is {$2700.00}. I do not have the ability to continue making payments on this loan. 
Please provide legal assistance to stop collection efforts from going any further. I don't think this lender is approved for TX or an ethical lender. They should be stopped from any further lending transactions at this rate of interest. 
Just after making the loan, I tried to cancel within three days. I was told the cancellation did not apply to TX residents. There are so many different company names and addresses on the their documents, you really don't know who to contact???
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not showing my AU card see attachments
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( cfpa ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation e. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.