23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My vehicle was involved in a car accident in which it was totaled. My insurance company ( XXXX XXXX ) determined the exact payoff amount for the loan and sent a check for the full amount via overnight carrier to XXXX. The check was received by Nissan prior to the XXXX payment window. Nissan went ahead and reported my payment, which was no longer due to them, as over 30 days delinquent. This has negatively impacted my credit score by a significant amount. This delinquency needs to be removed from my credit reports immediately.
Product: Credit card

The credit company Upgrade sent me a letter saying they were permanently suspending my credit card because of a review of my overall credit. I've been with upgrade for a long time. I've held three different loans with them and this card. I've never missed a payment in all of those years and because my wife and I had a hardship we were working through with our Mortgage it put a mark on our report. Upgrade and other companies shut down our credit lines. The Mortgage issue has been resolved and it shouldn't have been a factor anyway. years of on-time and correct payments apparently means nothing.
Product: Mortgage

Cash Call Mortgage has consistently booked my monthly payments incorrectly resulting in excess interest being charged on a monthly basis and an incorrect outstandling balance on the loan. 

Cash Call made some " corrections '' to the account but those " corrections '' are erroneous also. 

They have been uncooperative during the entire time I have dealt with them regarding these problems. They are arrogant and rude whenever I 'm able to get a representative on the phone.
Product: Money transfer, virtual currency, or money service

Im a XXXX citizen who wanted to wire money to XXXX, an equity administrator for the company I was formerly employed with to exercise my stock options. 

XXXX had provided me with detailed instructions to wire money to their checking account at Wells Fargo Bank. The amount was {$67000.00} USD. On XXXX XXXX, I initiated this wire transfer from my bank named The XXXX XXXX XXXX XXXXXXXX in XXXX. 

After waiting more than 7 business days and no acknowledgement that XXXX received my money in their Wells Fargo checking account, I contacted my bank to issue a wire trace. My bank informed me that Wells Fargo had refused my wire transfer and has also refused to disclose the reason. 

Wells Fargo Bank also refused to return my money to my bank as well. This lack of transparency is extremely frustrating and now I have lost {$67000.00} USD. 

Can someone please help me with Wells Fargo Bank to resolve this issue?
Product: Credit reporting or other personal consumer reports

I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX DC XXXX XXXX
Product: Credit card or prepaid card

I had a cash balance of {$800.00}. They changed the policy and I cant get the cash balance that was available before the policy change.
Product: Money transfer, virtual currency, or money service

First of all I want to say that i'm not an XXXX native speaker so I'll try my best to tell the story. 

I'm having trouble with PayPal because this payment XXXX is withholding my money claiming that I'm dangerous but they don't tell me the reason why they are accusing me or what is so suspicious about my account. 

Everything started because a u.s. citizen came to XXXX to get a tattoo on his back. The service was offered and he was satisfied. He even contacted PayPal customer service in the United States to inquire about the payment he sent because I wasn't able to withdraw the money. He made it clear that everything was fine with the transactions, but in the end, he received a negative response, he could do anything about it, even though he still owed for the service he enjoyed. This man paid every session through different transactions. 

I was able to withdraw the money from the first transactions ( XXXX XXXX in total for the month of XXXX ) but after a chat that I had with a customer assistant about a complaint regarding the time that I had to wait to actually receive my money, she suggested that traveling abroad to get a tattoo was not possible. Coincidentally, after that conversation, my account was canceled, and the funds from the subsequent transactions were withheld. 

I began a process with them trying to clear up the confusion. They asked me to send my personal information such as my passport, identity card and my services account in order to release my money and activate my account. However, despite all my efforts, they continued to accuse me of not adhering to their conditions without specifying which of the numerous ones ( I checked the list and I didn't make any mistakes ) and they didnt explain why, even though Ive been a flawless client for over two years. 

I had long conversations with them, but nothing worked. In the end, I can't even access the chat again ; they say that if I want to talk to them again I have to send a letter. 

The big problem here is that I am suffering very harmful consequences, and I do not even know why. I can't use my PayPal account from now on ( which I need for my XXXX XXXX ), they'll keep my financial information and the worst part is that I have to wait 180 days to get my money back ( XXXX USD as it is still on the PayPal app ) and if the BELIEVE there was a damage ( I want to emphasize this, because that's how they have done everything until now and that makes me worry about what they will do next ) they say they can keep the money and I can do anything about it because there is no institution in XXXX that monitors their activities. 

I think it's necessary to examine the punitive measures that this company applies without any investigation or due process ontheirclients, as well as the " policies '' that prevent clients from obtaining all the information they need.
Product: Vehicle loan or lease

I took out the auto loan for my business and paid it off in XX/XX/2023. 
After loan was paid off, the lender, Citizens Bank, filed UCC against my business. 
Because UCC was fraudulently filed against my business, I am not able to secure any type of financing. I contacted Citizens Bank several times. They denied to look into this.
Product: Debt collection

Continued annoyance phone calls twice a day from XXXX, XXXX XXXX from Midland Credit Management. I am not the person they are looking for, I have a different address, different birth date, different SS and they still call everyday, early morning and late afternoon.
Product: Credit reporting

I have been trying to obtain a copy of my credit report for years to no avail. They ask you a list of questions, and if they have the incorrect information, they deny you a credit report. The information that they have is incorrect and I know why it is incorrect. The problem is that even if the information is incorrect, there is no one to speak to about it. When you call, you receive an automated voice message telling you to send personal information through the mail. I was just ripped off by the postal service last year. Out of XXXX boxes, the only XXXX that were missing were the insured boxes. They stole XXXX books that were supposedly insured. When I submitted a claim for them, I was denied any compensation, nor did I ever recover any of my books. I was not even compensated for over XXXX dollars in postage. And they want me to send my personal information to them through the mail! I would like the free copy of my credit report that I am told I am entitled to. How can I dispute anything on the report if I ca n't even see the report? The whole process is asinine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX decided to report my business credit card on my personal credit. I never agreed to have my business credit on my personal credit. I like to keep them separate and thats the reason why i went with XXXX  business credit card XXXX years ago. They told me they did not report on personal.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I, XXXX XXXX XXXX, never gave ( TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

You also do not have any permissible purpose to furnish my personal information to any third party. 
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following inquiries & accounts : 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, credit repair services, or other personal consumer reports

Good afternoon to you. I am submitting this compliant to CFPB due to multiple attempts to peacefully resolve this ongoing failure to report and conduct a proper investigation of an account on my Credit Report : XXXX XXXX XXXX. I have made at least 5 attempts total with XXXX and Transunion. 

I reviewed my credit report with XXXX XXXX and noticed a discrepancy on my account in terms of payment with XXXX XXXX XXXX from the period of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as well a issue of double reporting with XXXX XXXX between the period of XX/XX/XXXX and XX/XX/XXXX. I enclosed documentation and contacted furnisher XXXX XXXX XXXX to make a request of requesting Credit Dispute Response from XXXX and Transunion showed multiple inaccuracies on my credit report stemming from XXXX not reporting XXXX, XXXX, Terms, payment history as well of personal identifies : Previous address, Phone number, and Scheduled Payment. On Transunion 's end there were multiple errors as well I pointed out from Inaccurate phone number, Previous Address of XXXX XXXX XXXX XXXX XXXX, PA XXXX does not exist, and the most blatant FCRA violation on the Credit Responses on multiple times from Transunion did not show no notice of Transfer Status which is an automatic violation to have this negative account to be removed from my credit report. I also enclosed these responses from Transunion and XXXX to Transunion to show clear factual evidence of XXXX XXXX XXXX employee, XXXX XXXX reporting inaccurate information multiple times. If the furnisher is supposed to report complete and accurate information to all vendors consistently and it appears this is not the case. I am formally requesting my only remedy is to have this negative account removed from my credit report. I will not accept no other remedy due this is impacting my credit worthiness.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60-90 DAYS to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Mortgage

I have a mortgage with Bank of America and they provided a letter showing the closing amount due as {$220000.00} good to XX/XX/XXXX. 
I closed on a refinance with XXXX XXXX on XX/XX/XXXX with XXXX, XXXX, and XXXX as the closing agent. 
The amount of {$220000.00} was wired to Bank of America. 
Today, XX/XX/XXXX, I receive a letter from Bank of America the balance for payoff as of XX/XX/XXXX is {$270000.00} and they have not closed my mortgage and have not sent a satisfaction of mortage letter. 
On XX/XX/XXXX, Bank of America took a full mortgage payment plus a principal curtailment in the amount of {$1900.00} without my consent. 
Not only did Bank of America change the payoff amount, they later increased it from {$220000.00} to {$220000.00} plus they took a full payment on XX/XX/XXXX without my consent. I am on the phone with XXXX from Bank of America today and have no resolution.
Product: Checking or savings account

On XX/XX/2022 i made two payments using Zelle payment system. The amounts were {$150.00} and {$200.00} to XXXX XXXX. The transaction IDs are XXXX ( {$150.00} ) and XXXX ( {$200.00} ). XXXX received the funds but did not give me the product. He would not meet me at the desired location of XXXX XXXX XXXX XXXX, XXXX XXXX. Hopefully these transactions can be reversed. Thank you for all the help. XXXX XXXX
Product: Student loan

On  XXXX   XXXX ,    2017 I w as charged a " Repayment Fee '' of {$960.00}. I inquired about what this fee means, but I was not given an answer. Instead, the customer service representative informed me that they could not find my account. I replied, asking again what the fee meant, which does not require my account information, despite the fact that I attached a screenshot of my statement in the original email. I was just being given the run-around by a company using a bait and switch tactic to not answer my question.     If the repayment fee is a fee for repaying the loan early or paying more than the minimum amount, then I was misled. Navient 's 'Common Questions ' section of their website explicitly states, " Can I pay more than my monthly payment amount? -- You can always pay more than your monthly payment amount. By paying more now, you 'll pay less over the life of the loan. '' Is there another reason I was charged a " repayment fee ''? Is n't the interest on the capital the repayment fee? At the very least I would like an answer, but I ca n't seem to find find a relevant FAQ to reference, and the email I exchange I had with  XXXX  XXXX  XXXX  never addressed my question. Since my last reply 4 days ago, I have not received a response.
Product: Credit card

I tried to contact the company resolution department, they refused to assist without a formal complaint from the CFPB or in writing. Even though due to the credit unions, mis application of my payment, that caused a 30 day reporting on my credit.
Product: Credit reporting or other personal consumer reports

It seems that under FCRA 605B, we need to eliminate any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed have errors in reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote the company, Bayview Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX regarding their non-reporting of my mortgage loan payment history, ( loan # XXXX case # XXXX ), and I complained that they had not been reporting my mortgage payment activities to the credit agencies. They replied in a XX/XX/XXXX letter and said, " Due to your bankruptcy Chapter XXXX Discharge on XX/XX/XXXX we are unable to report your loan to the credit bureaus as it appears the debt was not reaffirmed prior to the discharge. Please note that if you would like for BLS to report the account to all pertinent credit bureaus, you must send us the reaffirmation agreement filed through the court. Once supporting documentation is received we review and update the account accordingly. '' I don't want to revive issues that were settled in a XXXX bankruptcy, I just want my loan and payment history reported. They are blackmailing me to accept new debt and are preventing me from an accurate credit payment history. Their actions are damaging to my ability to manage my credit and finances. Can you help me? Thank you. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am unable to lift a freeze on my credit myself, forced to wait to have to speak to someone who was not helpful, nor did the chat feature function properly. It has been over 24 hours, ( I believe they have ONE hour to remove this ), and it has still not been resolved, nor, am I able to view/request my free annual credit report.

This all goes back to your previous investigation with them that they did not take seriously as this issue is still ongoing, impacting consumers financially : " The Bureau found that TransUnions failure to place or remove security freezes in a timely manner violated the Fair Credit Reporting Act ( FCRA ), and TransUnions failure to place or remove both security freezes and locks in a timely manner was unfair in violation of the Consumer Financial Protection Act of 2010 ( CFPA ). '' https : //www.consumerfinance.gov/enforcement/actions/transunion-trans-union-llc-and-transunion-interactive-inc/
Product: Checking or savings account

On XX/XX/year>, I received a {$33.00} overdraft charge to my First Tech FCU checking account ending in XXXX for a withdraw to my XXXX account to partially fund my IRA. My complaint is that XXXX ) I had enough money to cover this withdraw already in my checking account which was transferred from my Savings account on the same day, so I should not have received this overdraft charge. And XXXX ) I had overdraft protection enabled. First Tech responded to my inquiry and let me know that I did not have overdraft protection enabled even though I am 100 % certain that I turned it on a long time ago. First Tech needs to correct this immediately by refunding me the {$33.00}.
Product: Debt collection

I was contacted by a  XXXX   XXXX  on  XXXX   XXXX ,  2017 , he was calling for a company called Critical Resolutions Mediation. Which is supposedly a Georgia based business. He started by telling me I had an outstanding debt with  XXXX   XXXX  for a defaulted pay day loan. I tried to explain to him that I have never had a bank account with the bank account listed in the loan information. I asked for written validation and he told me the best he could do was email me a copy because if I did n't resolve this issue that day I would be taken to court and prosecuted. I panicked and upon receiving an email with documents to " validate '' the debt I promptly deposited {$320.00} into a  XXXX   XXXX  account numbered  XXXX . I called  XXXX   XXXX  yesterday to find out if I owed and the amount I owed, because I was supposed to be making another payment to Critical Resolutions Mediation on the  XXXX  of  XXXX . I was told by the lady I spoke to at  XXXX   XXXX  that there is no information for me owing or even ever having a loan with them. She informed me to file a complaint about the Critical Resolutions Mediation as they have scammed me out of {$320.00} and that they are not even a debt collector that  XXXX   XXXX  works with. So  XXXX   XXXX  stole {$320.00} from me as well as threatened legal action against me. The number for  XXXX   XXXX  at Critical Resolutions Mediations is  (   XXXX   )   XXXX  ext  XXXX .
Product: Bank account or service

PNC Bank in XXXX 2015 offered online a {$300.00} incentive for transferring banking accounts to their bank. I inquired about requirements and was told if I opened the accounts and arranged online bill pay that I would qualify for the {$300.00} payment. It was never paid. I inquired several times online and got no response. When I inquired in person I was told I would receive payment on XXXX/XXXX/15. On my next inquiry XXXX/XXXX/15 I was told that the small print required that I also set up automatic paycheck deposit on the account. This is the opposite of what I was told in XXXX when I opened the account. I specifically asked about the automatic deposit and was told it was not required as long as I had an automatic online payment that went through XXXX bill pay cycles. When I asked to close my accounts since I did n't qualify for the incentive, they told me there would be a fee charged for closing the account in less than 6 months. I believe this is a case of deceptive sales practice.
Product: Debt collection

I had an account with XXXX Utilities which was bought by Transworld Systems. Transworld is reporting to XXXX that my account was placed for collection XXXX/XXXX/XXXX. I left Pennsylvania in XXXX XXXX where the account was located due to XXXX XXXX. Therefore the date Transworld is reporting as the " date placed for collection is incorrect. I disputed the date with XXXX that Transworld is reporting and they refuse to update it to the correct date which would be XX/XX/XXXX or XX/XX/XXXX. I need the date corrected as soon as possible.
Product: Debt collection

I contacted my loan company to set up a arrangement to get my loan caught back up, since I had to move towns and jobs because they gave the other party on the loan my information after knowing there is a no contact, restraining order and that they are in prison so who ever is calling is not that party.do to my info being given out my truck has been vandalized so I moved again. So I am now moved and I made the arrangement to get my loan caught back up. I made the XXXX payment on time and even called them after leaving the local branch bank to tell them I had made the payment but there servers were down. I asked if they needed the tellers name and number so they could confirm the payment and was told no. So the following day and everyday after that the number I called from has had calls XXXX and XXXX times a day Monday thru Saturday from the bank. They have told the company it is not my phone and to stop calling. I feel this is harassment. I made my payment and am waiting on my next payday to make my next payment. I told them I was changing banks as well and waiting on my direct deposit to be set up. I have an account set up that is strictly for my payments and that I have a direct deposit set up for that money. I just have to wait for it to be switched over. I even set up the account at a branch of there bank so it would be all same day transfers. I am doing my best to keep them informed of what is going on and make my payments to get caught up, but to have a different person keep calling everyday to change what was already arranged i feel is harassment and an embarrassment this was a friends phone number. this is all being done by Wells Fargo Dealer Services Out of XXXX XXXX