23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XXXX, I called the phone number provided in the bank 's mobile app instructions to dispute unauthorized transactions from our account. The representative I spoke with opened a claim and told me that 4 transactions ( 2 for {$120.00} and 2 for {$190.00} ) would be included in this claim. 3 of the 4 transactions were immediately credited to our account, but 1 transaction for {$190.00} was not. I called again on XX/XX/XXXX to ascertain why this transaction was not credited. I was not given a real answer, and the representative I was then speaking with told me that this amount would be credited to my account within a few business days and would be included under the same claim ID #. I called again on XX/XX/XXXX because it still had not been credited to our account. This representative told me that there was a liability limit as to the number of days between transactions, which neither of the previous 2 representatives had ever mentioned when I filed the claim. I asked to speak with a supervisor to pull the audio from these calls as they were all on a recorded line, and was transferred to a supervisor named XXXX. She again told me that there was a limit on the number of days between transactions that could be included on the claim, and I explained to her also that 2 different representatives had never said anything about such limits and both had told me on a recorded line that this amount would be credited to my account. She said that they could not override their policies and procedures, and I asked what their policy and procedures stated about honoring transactions that 2 different representatives told me would take place. She said the bank has no such policy. Claim ID # XXXX XXXX and XXXX
Product: Credit card or prepaid card

On XX/XX/2022 - XX/XX/2022 I was unable to access my account to see my balance because I have an old phone number on my account which I do not use anymore. And now I can not login to my account
Product: Vehicle loan or lease

I opened a vehicle loan from Us Auto sales on XX/XX/XXXX. During the paperwork I signed for Gap insurance at the time my down payment was less than {$1000.00} the gap fee was {$750.00}. I was told I had the option to pay the gap insurance fee in full or have it added to my payments, I agreed to pay it in full so I paid a down payment of {$1700.00}. I was involved in a car accident on XX/XX/XXXX where i was deemed as no fault and progressive insurance would pay a quoted price of the loan off, after receiving that pay off from the insurance it was a remaining balance of $ XXXX. Us auto sales is now out of service and turned things over to Westlake portfolio after speaking with West lake Portfolio it was no information stating that I have GAP insurance. I have paper work of what was signed and that we agreed on applying the Gap insurance.
Product: Checking or savings account

My account kept growing more and More into the negative. I called the customer service line multiple times to verify if XXXX was off because I didnt want it on to begin with. I was assured everytime that it was off yet more transactions were still going through further making the account more negative and assessed more overdraft fees until my account was forced closed and sent to collections.
Product: Debt collection

XXXX is claiming that I owe them {$630.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Payday loan, title loan, personal loan, or advance loan

My husband and I are trying to buy a house, and I noticed a delinquent " loan '' on my credit report to Mariner Finance. I thought this weird and knowing that my recently deceased mother had received loans in my name before, I called to inquire. The loan is supposedly something Mariner acquired when it assumed another loan company, and the information they could give me is limited, but the original loan was one of those mailed check schemes, taken out in 2018, in the amount of {$1700.00}, yet the balance is somehow now {$4500.00} because of interest! Not only is this insane, but they also told me they couldn't give me the loan docs because they didn't have them! I have offered to pay the original loan amount to settle the debt, but this isn't good enough. I am not going to pay XXXX XXXX  in interest for something they have never even tried to collect ( this says a lot in itself. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX had illegal obtain my information without consent in an effort to exort money out of me by walking around in the neighborhood signing people of for service without their knowledge or approval. I found out in 2017 from the Student loan department about the debt. I had a police report due to someon stealing my identity. I filed with Experian on numerous counts with this police report but, experian rep 's have intentionally and knowingly fabicate to me about filing such dispute than a rep by XXXX threaten to send to all bureaus about XXXX because I continue to file the dispute. I told her she is violating my rights and so is Experian by continuing to report the information intentionally and knowingly this account is a fraud by police report but, Experian system will not allow me to download Police report and response by sending to their XXXX XXXX which, they claim they never get. I have asked Experian to remove this from by credit but, they are aware that this is a SCAM by XXXX and refuses to remove this off my credit report. My credit is good this is the only negative thing on my credit. I am not a Debtor. I pay my bills which, my history provides evidences that my debt are paid to full balance on time. Experian continues to violate by RIGHT BY NOT REMOVING THIS SCAM ACCOUNT OFF MY RECORD -- Attached a Copy of the police report and I will also be filing with another federal office on Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting the same account multiple times thus causing my XXXX  and fico score to stay in negative. The accounts are old and closed. They are being reported.muliple times.
Product: Money transfer, virtual currency, or money service

I have over {$1600.00} in cleared funds with paypal and need {$50.00} for a rx they have an instant transfer service that usually transfers the money in 30 minutes or less.

i initiated the transfer and was informed that an arbitraty 24 hr hold was on my funds.

as an ex-employee of XXXX XXXX XXXX i believe this is a violation of banking rules as we had to release {$100.00} of any uncleared check to a customer depositing.

i have money with paypal and have for years and cleared money for months and NO ACCESS to my funds that i need immediately.

i think they should be fined and my monies released to me immediately. 

Transaction ID : XXXX sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debtor may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, 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.
Product: Mortgage

I own a duplex property in fee with no mortgage or debt of any kind. Title report has found an open lien against the property from a loan taken out by a previous owner and paid in full sometime before 2019. Release of Lien was never filed. ( See attached document, Page 4, Section 8 ). Contacted mortgage servicing company " Mr. Cooper '' multiple times. Mortgage company refused to provide any information or to remove the lien with the excuse that I was not the original borrower, who has been dead several years. I purchased the property from her son, who also was not on the subject mortgage and has received no response from mortgage company. 

Mortgage company is in material breach and illegally depriving me of the use of my property. 

" Mr. Cooper 's '' improper and fraudulent lien on my property has resulted in the loss of an approved {$45000.00} construction loan, cancellation of scheduled renovations to the property and is preventing my renting out of the duplex, resulting in a monthly loss of income of {$1500.00}. 

Company denied any responsibility and literally told me to hire an attorney.
Product: Payday loan, title loan, personal loan, or advance loan

The company seemed to charge extra interest on the loan. It seemed like the more I paid it down, the more interest was charged. I took out another loan to pay this loan off completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a Goodwill letter to Capital One asking for a courtesy removal of late fees from my credit report. Capital One responded in a letter dated XX/XX/2020 stating due to the Fair Credit Reporting Act, they could not honor my request. This is not true, the Fair Credit Reporting Act does not prevent them from honoring my request. Stating that the Fair Credit Reporting Act is the reason my request could not be honored is misleading and in my opinion an improper disservice to me as a customer.
Product: Mortgage

I applied for a refinance of a loan on a rental property in early XX/XX/2019. I authorized Bank of America to check my credit score, which is over 800. They did the first hard hit on XXXX XXXX XXXX. They did an unauthorized hard hit on XXXX XXXX. They did a third hard hit on XXXX XXXX XXXX for reasons unknown, with no authorization, AFTER THEY DENIED THE LOAN. If they wanted to deny the loan, no problem. I was doing a refi, not trying to get a loan. But I believe they are actively trying to ruin my credit at this point in order to keep me from getting a loan anywhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

EquifaxXXXX- I have been trying to dispute a line of credit under XXXX XXXX that is showing on my credit reporting. I am being shown as an authorized user on a line of credit labeled XXXX. After calling XXXXXXXX XXXX  I was told the account is not linked to my name, social, email, or phone number but yet is still showing on my credit reporting and lowering my credit score significantly as the account is delinquent by over {$6000.00}. I can see that the account was opened in XXXX it but didn't start showing on my credit report until XXXX. I have since tried to dispute the account a few times with Equifax and with XXXX. Both have come back saying information is correct and to remove the account I would need to contact XXXX Bank XXXX 

XXXX XXXX XXXX XX/XX/XXXX I spent an evening and multiple phone calls back and forth with XXXX and XXXX XXXXXXXX XXXX trying to remove the account. Multiple people looked into account but can not find anything linking me to the account that is showing on my credit reporting. They told me they could not do anything and that I would need to go to the credit bureaus to have it removed.
Product: Credit reporting or other personal consumer reports

Ive been trying to resolve this issue by sending letters to Experian XXXX XXXX.
Product: Debt collection

In XXXX of 2014, I paid off an old credit card bill from XXXX that had gone to collections. I received a letter from the collection agency that confirmed the " paid in full '' and that I would no longer owed any money to XXXX and had been released from further attempts to collect. Since the beginning of this year I have received multiple calls from different collections agencies still trying to collect on the same account I already paid. Some have even threatened legal action and states they are going to serve me with court paperwork to take me to court over the XXXX debt. I send them the letter indicating that I already paid it and that I no longer owe on the account. Then the next month, ill still receive call from another company trying to collect on it.
Product: Debt collection

I understand that I have been reported to a collection agency for unpaid toll fines. I want to pay or settle the account. I 'm asking for the additional fees to be removed and that I am charged only for the original fee associated with the toll violation. I 've tried to call the collection agency but the hold times are in excess of 45minutes only to speak to someone that will not help resolve the balance. I do n't know how to move forward. Registration holds have been placed on my vehicles and this will only beget more fees. Can the bureau help me?
Product: Debt collection

Was called in early XXXX, told I had 2 ( two ) hours to pay {$590.00} or legal action would be taken against me. Could not come up with that amount, no payment arrangements offered. The Rep I spoke with, XXXX was rude and threatening. Week later HSBC called again, said I has to pay in full {$530.00} to settle this debt but could not get info on when and how this was my debt. Claimed owed since 2012. Never got mail notification, checked my credit report and NO old credit card debt showing as in collection or charged off. Also received a " recorded '' call from a male who said I was now officially " served ''. My sister advised me to cancel my debit card and file a complaint as she believes this is a fraud. This HSBC has already taken close to {$900.00} from my account since XXXX of this year ... am completely puzzled and frankly tired of being threatened and harrassed ... Any help would be so very, very appreciated. Thank you ...
Product: Money transfer, virtual currency, or money service

I tried to add money to my account at transferwise.com ( created through the US part of the company ). I tried to add XXXX ( XXXX kroner ), and their website clearly states that the money " should arrive in 4 minutes. ", with no " but '' or " estimated time, may very '' or other similar qualifications. The money was to be added from my bank account in XXXX. ( I am a citizen of XXXX but have studied and worked in the US, and I made the transferwise account while in the US ). 

I used the " trustly '' option to add money to my account. ( trustly is the external service provider that transferwise uses to transfer the money ). 

I transferred the money on XX/XX/XXXX, and after making the transfer - the money having been drawn from my bank account in XXXX - I am told that the money will actually not be available until XX/XX/XXXX. 6 days, not 4 minutes!!!!!! I have contacted the company 's customer service and asked them to do something multiple times, e.g. provide me a temporary credit / access to the funds before the arrive on the XXXX, but they have repeatedly declined this. They are telling me that the transfer will be slower than promised as a result of banking holidays, something that transferwise 's website did not inform me of. 

During my interaction with the customer service they repeatedly said that the money has been transferred to trustly and that they can not do anything as the money is now in the hands of trustly. I have not made any agreement with trustly, only with transferwise.com, so I do not see how it supposed to be my responsibility that trustly does not deliver the money as promised when it is transferwise that has promised me a delivery time of 4 minutes. If transferwise uses a third party to handle the service, and the service is not up to standard, then it is not fair ( and probably illegal ) for me to suffer as a result. 

What fraud! I am very angry. It is misleading.
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 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 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. ( 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 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.
Product: Checking or savings account

I have opened a new business bank account with citi I made to 2 deposits one for XXXX in cash and a cashiers check of XXXX from XXXX XXXX my old bank.Since this account was now open I was changing my bank to citi from XXXX XXXX but citi fraud department is now closing it because my past history with another bank a bad check was deposited that wasnt me and all the money I deposited is stuck and theyre saying I have to wait 30-60 days because they have to verify the check I deposited but it was a cashiers checks and cash deposit so why cant I just take the money out now and citi bank closes the account they wont let me that was all my money and I cant access it Im stressed out and fill XXXX right now can I please get help and get my funds back thats mine I need citi bank to unrestrict the account asap Im struggling with my bills and cant do anything all of my funds are in that account
Product: Vehicle loan or lease

Santander consumer USA sold their contract to XXXX XXXX XXXX  on XX/XX/XXXX, which makes Santander Consumer no longer the owner of the contract. Santander consumer USA is still reporting that I owe them {$25000.00} which is a fraudulent amount the car was sold at the auction and I never owed {$25000.00}!! they sold the debt and the debt was written off, they are reporting this fraudulent account as open then closed the account is charged off and sold. I sent Santander consumer USA a certified letter on XX/XX/XXXX asking their company to verify the debt and if they no longer own the contract to stop all collection activities! Santander consumer USA never responded to the letter even though they received it! What Santander is doing is illegal and they have violate federal law! I have filed a complaint with the attorneys general office
Product: Student loan

i was supposed to be enrolled in the income based driven repayment plan which was set at XXXX dollars.It was then removed for whatever reason and i called in and spoke with a representative around XXXX or XXXX letting them know that i would be enrolled in school as a full time student, so what process did i need to take to get the in school deferred plan. i was told it would update automatically in the system but if i could inform my school officials to update it immediately that would also help. i spoke to my school officials in XXXX and they also stated it was automatic and it would update my first day of class. since then i have still been receiving loan docs for payments from navient, even though i am in school. i spoke with a representative today ( XX/XX/18 ) his name was XXXX and he said they still could not see anything in their system.This is actually the second time this has happened where i was supposed to have an in school deferred loan and it was not placed by navient. it is destroying my credit because they have it on there showing late and it has been on my credit even when i am supposed to be in deferred status
Product: Vehicle loan or lease

On XX/XX/2018, I went to XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX. I was told by XXXX, the lady at the desk that it would be easy to finance the purchase through acima financing, that way I could pay off the tire in three to four months and my payments would be around {$41.00} dollars each payment. Little did I know that I was signing up for Leasing those four tires. XXXX   did not disclose at any time that the tires were for a Lease/Rental. XXXX told me that acima would be sending a email for me to sign. Little did I know that it was Rental/Lease Agreement. Of course it's on my phone which is smaller. Personally, I have always thought, who would be XXXX  enough to Rent tires. Evidently, I did and did not know until the payments of {$41.00} seem to extend beyond the three to four months which XXXX had explain to me. I thought to myself, those tires should be paid off by now. I called acima in early XX/XX/XXXX, who informed me that I had signed a lease with a 90 days option plan to purchase the tire and that the sales person should have disclosed that this transaction was a Lease/Rental and that she would get the acima to call and let them know. I think this has been done before to other may not have understood what they signed. I can't believe I had gotten taken. I  work at a bank in the loan department and should have esign the paperwork. By this time the tire were already on my car because the email arrived much later in the evening after the work was completed. At the time there was not any signage inside or outside the store that that specifically states you can Lease or Rent tires. XXXX, made the sale, but failed to disclose that my transaction was a Lease Rental of tire. acima informed me that unfortunately I should have paid the tire off withing the first three to four months and that I still owned over {$620.00}. The Lease/Rental of the tires will cost me over {$1000.00}. There is a small brochure which states " No Credit Needed '' 90-day Payment Option with an Easy Payment Guide which tells how much your payments will be. This Brochure regarding payment terms is inadequate. Whoever sales you the merchandise, should be required to state that the transaction is a LEASE/RENTAL OF MERCHANDISE. In no way was these word ever use. This is clearly a deceptive practice among retailers such as this as there were many compliant on acima once I google it.