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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : XXXX from XX/XX/XXXX XXXX Card - Twice i didn't authorize neither from XX/XX/XXXX Explanation : I never consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiries via FCRA section 623. I would like it removed immediately. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Mortgage

I've had my mortgage since XXXX and had been employed with a government agency since XXXX. In XXXX, I had to file a whistleblower complaint and unexpectedly lost my job. I contacted the bank and was offered a forbearance until I could obtain new employment. I made every payment on time and finally was able to locate a new job. However, this income was less than I had been making, I met all the requirements that had been outlined by the bank. When I went to make my final forbearance payment, I was told my loan had been sold to some XXXX number. There were no branches or people I could meet to discuss my options. While this was completely unexpected and unsettling, I tried to work with them and supplied all the information they requested - three times. They stated they couldn't help me and couldn't honor the previous bank 's agreement and put my home in foreclosure. Since COVID hit, they have not been able to enforce this and I will file bankruptcy to save my home, as they have refused to work with me. I have since gotten another job, which put my income back in the range of when I lost my other job but this XXXX number doesn't care. They have been focused on selling my home, they have sent realtors to try and encourage me to sell and have violated all agreements with my previous bank. I only wanted the chance to repay the outstanding amount and was told, " it doesn't matter what you pay us because we're going to foreclose anyway. '' I was told by my original bank I could make payments without interest for the first six -12 months or extend my payments. I did what I was supposed to do on my end and the bank lied to me, misled me and is now trying to take my family 's home and I need help. This should not be legal and it is not OK to take advantage of someone who suddenly fell on hard times. Please help me if you can. Thank you for your time.
Product: Credit card or prepaid card

XX/XX/XXXX 2017 I met with an insurance agent and we proceeded to sign me up for XXXX forXX/XX/XXXX 2017 as my XXXX started on XX/XX/XXXX 2017. 
From what I was told, XXXX needed to have a credit card on file to bill for a monthly fee next month for {$7.00} for dental insurance. It wasnt dental insurance after all and turned out to be reduced dental fees. I figured this out within a few days and began trying to contact XXXX. I made several phone calls, e-mailed, texted the agent about it ( didnt get a response ) and then cancelled the XXXX insurancebecause no one would talk to me about anything or get back to me as I had been requesting repeatedly. 
That same month, XXXX went on to charge another {$51.00}, {$16.00}, and {$22.00} without my consent. I had already cancelled but they kept charging. When I realized they had charged that I filed a dispute with Capital One. Capital One credit card was been faxed the dispute but refuses pursue it. 
In the mean time, I put a freeze on that card because XXXX wouldnt assure me they wouldnt be charging it in the future. After a few months, Capital One just sent a notice they had reviewed the dispute and were re-charging the card. I requested a written notice of this, what they did on the dispute and what XXXX said. Capital One has sent nothing as of the date of this complaint filing. 
XXXX has continued to try to charge the card and send me stuff in the mail. They sent me a {$13.00} check for a refund on a prescription I paid for. I sent it back to them and told them again not to send me anything as Im not on their insurance. Ive been on a different insurance for two months now and XXXX is still trying to pursue me as a client. 
Capital One has not responded to my inquiries nor the written information Ive sent them. I guess they are just waiting for me to file this complaint.
Product: Money transfer, virtual currency, or money service

I purchased money orders from agent on XX/XX/XXXX/2018, and mailed them. They were not received by payee. Presumed lost in mail. Not cashed. Sent all required documents to company, including receipt for purchase, research request forms, on XX/XX/XXXX /2018, along with {$60.00} processing fee, and 2 notarized affidavits. Attempted on several occasions to contact company by phone. All numbers went to useless phone menu. Finally found alternate number through reasearch, which connected me to rep in XXXX, who gave me a number. Same useless phone menu. Have made similar payments to same payee before, and have texts back and forth regarding missing money orders. I have fulfilled all company requirements for refund, but they simply will not provide it. I have been struggling with them for over 4 months. I need this money back desperately. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Plus why would a there a balance on this account if it's a Charge-Off? The alleged debt and balance on this account is being reported differently on all 3 credit agencies ... Therefore, this  account is inaccurate and needs to be delete per the Fair Credit Act. The credit agencies will be held liable for the inaccurate information and sued. XXXX XXXXXXXX XXXX XXXXXXXX Please provide the original instrument of indebtedness, Validation of debt, Method of verification as this is not my accounts
Product: Credit card

Credit Company : XXXX XXXX XXXX XXXX  XXXX XXXX : {$5900.00} Valid Thru : XX/XX/year> Promotion : XXXX interest-free installment plan Payment method : Autopay from XXXX XXXX  Final Payment ( Deducted from Autopay ) : {$2700.00} Unreasonable Interest Charge : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 1

5 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. ( a ) ( 5 ) 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 any informat
ion relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

ok I filed a complaint no XXXX one of the exective officers of customer care has emailed me twice telling me to call her. XXXX XXXX is her name. I emailed her back and said I would not call them. I am tired of being lied two.and told her to refinance my loan for {$170.00} a month and I would set it up auto pay. I know this would extend the loan for another year or 2. if they wont do that I told them to take me to court and sue me.i want this in writing not over the phone. I told her to send me all the paper work to refinance the loan and I d sign it and send it back.that was a few days ago she has n't emailed me back yet.
Product: Money transfer, virtual currency, or money service

Iam filling a complaint against cash app ( block inc. ) due to inadequate customer service and unfair practice which violates 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$660.00} XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1100.00}
Product: Credit card

I have a credit card issued by CITI Bank. Its carries a balance from time to time when the interest rate offered is favorable. As my financial circumstances change, I pay off the balance. A very normal arrangement. The payments on the card have ( nearly ) always been made through the online portal.Specifically, I provided CITI with the account number of a checking account I have at XXXX XXXX  for periodic payments. This week I determined it was appropriate to pay off the balance on a CITI card with proceeds from a HELOC at XXXX  XXXX XXXX. I drew the exact amount from the HELOC to make the payoff to my checking account at XXXX. I then used the CITI online banking application, which uses XXXX, to connect the XXXX account to make the payment. It all seemed very easy and normal. The next day however, I received an email from XXXX XXXX  indicating they declined a payment in the amount I requested drawn from the XXXX  account. I immediately realized the mistake and contacted CITI. Their customer service refused to provide a direct and clear answer regarding whether they would charge a returned check fee. However, the next day it was apparent CITI is charging me a {$29.00} returned check fee. The pecuniary amount isn't the issue. The problem is that I'm 1000 % sure by virtue of the process XXXX  used to connect the accounts of the inputs I made through the CITI portal. I absolutely requested the draw made from the XXXX account, even entering in my XXXX  portal login information to make the connection. CITI 's software and procedures either ( maliciously or carelessly ) misprocessed my request and now blame me for their mistake. The fees generated by this are entirely disingenuous and customer service refuses to directly discuss the issue, instead faming misunderstanding as might occur between people who speak different native languages. It's simply sad and ridiculous behavior to generate additional fee based revenue.
Product: Payday loan, title loan, or personal loan

I have had a title loan with TitleMax for XXXX over a limited time period, I continue to try and catch up making payments but everyday they add XXXX to XXXX $ fees not allowing me to even get caught up.How can I possibly get caught up when Im being charged late fees so my bill went from around XXXX $ to XXXX XXXX 
My name is XXXX XXXX XXXX ss.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT AND UNDER 15USC 1681 E ( B ) AND 15 USC 1681i ( 5 ) THIS ACCOUNTS ARE IN VIOLATION OF NOT REPORTING 100 % ACCURATE. THE CREDIT REPORTING AGENCIES STATES THAT THESE ACCOUNTS WHERE PROPERLY INVESTIGATED AND CAME BACK AS VERIFIED. HOW EVER, HOW IS THIS TRUE WHEN THERE ARE SEVERAL INACCURACIES SHOWING ON MY REPORT? AS A CONSUMER I REQUEST TO KNOW ALL THESE STEPS YOUR AGENCY TOOK TO ENSURE THESE ITEMS ARE 100 % ACCURATE UNDER 15 USC 1681I ( 7 ) A METHOD OF VERIFICATION - DESCRIPTION OF REINVESTIGATION PROCEDURE. I AM A Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, consumers have the right to have information related to identity theft blocked from their credit reports. THE FOLLOWING ACCOUNTS ARE RELATED TO THAT IDENTITY THEFT. XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES SCREENING REPORTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I am permanently XXXX, receive XXXX, and am a XXXX XXXXXXXX XXXX participant. On XX/XX/XXXX, I graduated from XXXX University in XXXX XXXX ( XXXX ) with my XXXX XXXX XXXX. According to information from XXXX XXXX XXXX  I was enrolled either " half-time '' or " full-time '' in a XXXX XXXX XXXX program at XXXX from XXXX. 
On XX/XX/XXXX, I received a XXXX XXXX XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX loan for full-time enrollment in my first professional degree ( a XXXX XXXX XXXXXXXX Degree ), with an effective date of XX/XX/XXXX. 
I have several student loans with MOHELAXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  totaling {$8300.00} XXXX XXXX XXXX XXXX XXXX, and I have submitted a total of 5 in-school deferment requests directly to MOHELAXXXX and all five have been denied. I submitted in-school deferment requests directly to the XXXX website on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I filed complaints directly with MOHELA/MOFELP in XXXX and XXXX of XXXX and sent an online message to XXXXMOHELA on XX/XX/XXXX. I even changed my billing correspondence to paper delivery since I was not getting the online notifications of the denials- and included every single piece of information from my XXXX  billing statement on my XX/XX/XXXX ( 5th in-school deferment request ) in-school deferment application only to receive a denial on XX/XX/XXXX that alleges that I " failed to submit a complete application and/or the application was completely missing. In the last application for in-school deferment, I even included a printout of the enrollment verification from XXXX and the last billing statement I received from MOHELAXXXX
Product: Debt collection

XX/XX/2019 XXXX Central Time : received a missed call from an unknown number. 

XX/XX/2019 XXXX Central Time : received a voicemail from the unknown number. Caller stated her name was XXXX XXXX, shes an independent courier for legal documents that I have to sign.XXXX then stated shes scheduled to make an appearance to my residence or place of work. Refusal will result in legal action. She provided a number to call to schedule a better date or time for her to come. XXXX XX/XX/2019 XXXX XXXX Central Time : I called the number provided in the voicemail ( XXXX ) XXXX, a male answered stating the companies name was XXXX XXXX As we talked he said he was acting on behalf of Ace Cash Express because of a loan I defaulted on this year. He said I had 2 options to pay the debt or be subjected to legal actions which would then triple my debt and that wasnt including lawyer and court fees. The representative and I made payment arrangements and I was transferred to their verification department where the next representative confirmed my card information and made me sign a document saying that Ill pay this debt and if I dont legal actions will be taken against me. 

After this I researched the company and how legal this was and I discovered it wasnt legal at all. 

The same person from an unknown number called my mother stating the same information before I called the ( XXXX XXXX XXXX again to complain about the illegal practices theyve been using
Product: Mortgage

I took out a Home Equity Line of Credit with HSBC in the amount of {$33000.00} on XXXX/XXXX/XXXX. I made payments as agreed and in about XXXX began making extra principal payments monthly. The loan was paid off XXXX/XXXX/XXXX. Over 11 years, the principal was only reduced by {$7300.00} despite the fixed interest rate of 8.55 %. In many months where extra monies were sent, that was the only amount deducted from the principal -- the rest was applied to interest. Many errors were made in charging fees not applicable to my loan ( Line Maintenance Fees ) ; in XXXX XXXX, the balance owing was raised by {$740.00} after a payment was made ; payment amounts were n't always applied correctly ; late fees were sometimes charged even though most payments were made early. Calls and/ or letters were n't responded to properly and supervisors would n't return calls. 
From what I can determine from the last 4 years of statements that I have, a minimum of {$1700.00} was charged to me in error. Additionally, the final payoff figure showed I was charged {$870.00} in interest and I 'm not sure why that would happen. I paid the amount they said I owed just to be able to get rid of the loan since it was apparent it was never going to be paid off no matter how much I sent in extra payments, nor was anyone at HSBC going to address my complaints or concerns.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great in this pendamic situation as they have hold all of my earnings and telling me that i can not get it back moreover they are not even telling what is the reason behind this they would not answer the emails and calls.I am really stuck. My email linked to my PayPal is XXXX XXXX
Product: Debt collection

Company : Wilber & Associates PC, consumer phone # XXXX XXXX XXXX XXXX file number : XXXX Claim date : XXXX Claim Location : XXXX XXXX  XXXX access key : XXXX client claim number : XXXX WILBER indicated : we are handling this claim on XXXX XXXX XXXX XXXX XXXX Co which is seeking reimbursement @ amount {$2700.00} from incident which occurred on the claim date. Please send info contact XXXX I have no idea of what is this about? I have no business or any relation with XXXX XXXX XXXX nor did I have any incident ( reported / claim ) on the claim date ( XX/XX/2022 ) at location ( XXXX XXXX  ). 
This is suspected as ID Fraud maneuver originated from XXXX which somehow obtained my name and address ( only, no other info e.g. Tel # or detail information, provided by the involved companies. )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Payday loan, title loan, or personal loan

I received this loan and the amount was low but the repayment is very high and im not able to psy it. And they arevacting like thry want to help me but they really just want me car cause the payments are ho high to pay snd feed my child or pay my rent snt bills.
Product: Vehicle loan or lease

Account Number account : Bank of America car loan XXXX Dates associated with item being disputed : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Disputing inaccurate late charges posted o Bank of America has inaccurately claimed I was late 30 dates late in XX/XX/XXXX/ XX/XX/XXXX. Again this was disputed with all three bureaus and CPFB and no communication / proof has been sent that I was late. Please remove the mistake from all three bureaus.
Product: Checking or savings account

I am filing this complaint against Simmons National Bank ( Trust Department ), located at XXXX XXXX XXXX, XXXX XXXX, AR XXXX, regarding their mishandling of a Family Farm Trust account in XX/XX/year>. 

Alleged Misconduct : Simmons Bank has failed in its fiduciary duty in several critical ways : 1. Unauthorized Account Changes : The bank allowed changes to the trust account without proper documentation or authorization. A perpetrator appears to have taken control of the trust bank account through what I believe to be elder abuse. Simmons Bank facilitated this by failing to verify that the proper trust documents were in place before allowing these changes.

2. Refusal to Provide Documentation : When I requested copies of the banking instructions and trust transfer documents, Simmons Bank informed me that they did not have any such documentation on file. They refused to provide even a printout or screenshot to prove what was ( or was not ) on file. I subsequently made a formal request in writing ( via certified letter to the Bank CEO ), to which the bank never responded in writing, only calling to say they would not provide this information.

3. Failure of Due Diligence : As a fiduciary, Simmons Bank had a responsibility to carefully review the account and confirm that any changes or transfers were accurate and properly authorized. Their failure to do so has resulted in significant financial harm to the trust and its beneficiaries. 
Consequences : As a result of the bank 's negligence : 1. The {$22000.00} account balance was depleted without proper authorization.

2. {$10000.00} in grant income was withheld from the trust beneficiaries.

3. Farm recreational licenses were wasted, resulting in lost income for the trust.

4. Farm assets are being sold to the detriment of the intended beneficiaries, without appropriate authorization.
5. Farm vendors threatened to prosecute due to checks being written on the closed trust account.