23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contacted RashCurtis in XX/XX/XXXX about old medical debt that is time-barred after 4 years under California Statute of Limitations on Debt ( Start date was XX/XX/XXXX ). RashCurtis claimed they could no assist me without a file number and then proceeded to start increasing the debt each month by {$1.00}. So first they lied to me and then they started falsely adding fees on a time-barred debt.

RashCurtis is now increasing the amount of the debt monthly by {$1.00}, ( now {$210.00} ), which is a false misrepresentation of the debt owed as it is uncollectible and they can not collect or continue to charge me additional fees under The Rosenthal Fair Debt Collection Practices Act California Civil Code.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Customer Service : Please be advised that I am disputing the following creditor which has placed the account in collection for XXXX : XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX I report identity fraud in 2019 with the police report, since XXXX has XXXX Management collecting on their behalf.
Product: Checking or savings account

My check was direct deposited into my account then it disappeared for over 48 hours so then after it was credited again to my account they charged me fees for their mistake and they even admitted to doing some sort of update and I still was charged fees
Product: Credit card or prepaid card

I called XXXX went through the. Automated added up. My charges and found out none of it added up right it said XXXX. And really with adding it should of been XXXX and nothing negative.the XXXX # is NetSpend the bank.
Product: Checking or savings account

I received a Sba grant and the branch officer wouldnt let me access my account making me wait at the branch about an hour and a half and my fianc asked her to hurry up because it was hot and my vehicle and the officer said that she would make it that I wont be able to access my account and money so I called her supervisor numerous times and they were telling me that my money is in the account and that its nothing that the bank officer can do about closing the account or even accessing the account.
Product: Credit reporting or other personal consumer reports

XXXX / XXXX reporting is inaccurate : My history the company XXXX CLEARLY STATES THAT A LATE PAYMENT OF TRANSACTIONS OR EXPERIENCES BETWEEN the consumer and the person making the report is not included in the consumer report! 

They have violated the Fcra 15usc 168ia 2ai by reporting this transaction or experience on my Consumer Reports they have 10 calendar days to update my payment history or delete all late payments below accounts Failure to respond with deletion of the above consumer reports will result in legal actions being taken against companies for which I will also be seeking {$1000.00} per violation for! .Defamation of character XXXX. Negligent Non - Compliance XXXX. Civil Liability XXXX. XXXX Anguish XXXX. Fair Credit Reporting Act 15USC 1681 VIOLATIONS WILLFUL NON -COMPLIANCE -616 CIVIL liability FOR WILLFUL COMPLIANCE ( 15 U.S.C 1681 in
Product: Debt collection

I received 2 phone calls today from a Robo-dialer and returned the call to a company called Dynamic Recovery Solutions. They claimed I owed a debt of {$130.00} from account XXXX which was opened in XX/XX/XXXX and payments were made until XX/XX/XXXX. 
Firstly, I never had an account with XXXX or the wireless companies they acquired. Secondly, this debt is far outside the statute of limitations.
Product: Credit card

Dear Wells Fargo Customer Service, I am writing to formally express my frustration and concern regarding the ongoing issues with my credit card account. For over two months, I have made multiple attempts to contact Wells Fargo to arrange a payment plan, yet I have been continuously given the runaround and have not received a call back. Despite my efforts to seek a resolution, my account is now showing two months past due and is negatively impacting my credit report.

Additionally, over a month ago, I specifically requested to speak with a manager to address this matter, but I have yet to receive any response. This lack of communication has made it incredibly difficult to rectify the situation in a timely manner.

Furthermore, I recently discovered fraudulent activity on my account in XXXX and XXXX. Around that time, my daughters purse, phone, and ID were stolen, which contained some of my personal information as well. Given this, I need Wells Fargo to urgently review these transactions and take the necessary steps to correct any unauthorized charges.
Product: Credit reporting or other personal consumer reports

I am disputing inaccuracies on my Equifax credit report. After submitting multiple disputes directly to Equifax, they have verified the information without providing any supporting documentation. This lack of documentation does not meet the Fair Credit Reporting Act ( FCRA ) requirements under Section 1681i ( a ) ( 1 ) ( A ), which mandates a reasonable reinvestigation of disputed items. There are discrepancies in reporting between Equifax and other bureaus regarding balances, charge-off dates, and payment histories, suggesting potential errors. I am requesting a thorough review and correction of these discrepancies to ensure accurate reporting. ''
Product: Checking or savings account

I am filing this complaint to express my deep frustration and anger with Chase Banks disgraceful handling of my account closure and the unjustifiable delay in returning my funds. 

In XX/XX/XXXX, Chase Bank closed both my checking and savings accounts. Despite this, nearly a year later, I am still waiting for a check of {$1400.00} from my savings account. I did receive a check for {$2300.00} for my closed checking account in XX/XX/XXXX, but this was already significantly delayed, and my remaining balance for my savings account has yet to be released or mailed out. 

I have contacted Chase at least XXXX times, each time being told that the {$1400.00} has been approved for release. Yet, here I am, nearly a year later, still waiting for MY money. This is not just an oversightits gross negligence and a blatant disregard for your customers. 

I am outraged by the utter lack of professionalism and the repeated empty promises. Chases behavior is completely unacceptable and has caused me significant distress and financial hardship. 

I demand immediate action. Chase must release the {$1400.00} without any further delays and provide compensation for the months of inconvenience, stress, and financial damage this has caused me.

I expect the Consumer Financial Protection Bureau to intervene immediately to hold Chase accountable for this egregious misconduct. I will not tolerate any more delays or excuses.
Product: Debt collection

They are asking to resolve the account that was closed a few years ago after being compromised due to theft. The bank confirmed that they never contacted anyone, as I do not owe anything.
Product: Checking or savings account

My payroll deposit in the amount of {$1300.00} would have been deposited into my account on XX/XX/2025. As of today, XXXX/XXXXXXXX I have not received my deposit. I would like a full investigation in what is taking place with my funds. I want access to my funds immediately and any fees that I have incurred or will incur in the future due to this issue - be refunded. I would like the CFPB to also provide their investigation and any fines that capital one would be responsible for paying due to my not receiving my payroll deposit. I am a single parent who is on a bi-weekly pay schedule and this has caused a burden in my household.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ XXXX XXXX XXXX ]
Product: Mortgage

Select Portfolio Services has my mortgage and sent a letter saying I'm in default which is a lie! I paid XXXX 's payment and owe XXXX which i will pay.THey harrass me daily with messages and calls every day! They have cursed me and threatened me verbally on phone calls! They have said they didn't recieve payments when I sent money orders and i called the tracking numbers and they did cash them, then hung up when I told them they were lying!
Product: Mortgage

loanDepot, LLC. falsely advertises home equity loans ( closed-end second mortgages ) on its website loandepot.com, but when consumers inquire about obtaining one, they're told loanDepot doesn't issue home equity loans and are encouraged to obtain a cash-out refinance instead. 

Source : https : //www.loandepot.comXXXX https : //www.loandepot.comXXXX This is a classic bait-and-switch scam.
Product: Mortgage

There were several overpayments on my mortgage account that I am requesting a refund for. I have written to both XXXX and Loancare and talked to several of their representatives and supervisors with no success. We have been working on this refund request for two months now and Loancare 's customer service department keeps giving me the run-around and telling me the refund request has been escalated and will be completed in 3-5 business days and a check will be overnighted to me. Still no refund check, two months later. This request initially started with XXXX XXXX in XXXX, in the midst of our loan being transferred to Loancare. We initially had two loans with XXXX only XXXX of which was transferred to Loancare. The overpayments were supposed to go to the other loan, still with XXXX. 

It is now XXXX and I was just told that or money was sent to XXXX XXXX  and that Loancare will have to request the refund from XXXX XXXX for these funds. Also, we were told to request an Advocate on Loancare 's website. All that I would like, is to receive the refund of our hard earned funds. This is quite disheartening and very upsetting. That we keep getting tossed around with no resolve. The refund amount that we are requesting is {$36000.00}. We have provided Loancare with all of the proof of payments and written requests and we are still no closer to having the money in our hands. As of today XX/XX/XXXX, our loan is not due until XX/XX/XXXX. 

This entire issue/situation has been disheartening and this issue has truly caused a hardship on me and my family. I hope that you are able to assist.
Product: Checking or savings account

Chime has rejected all of checks I've tried to deposit. XXXX stated it was because Chime " can not read how the checks were printed. '' I was told this will continue to happen. Why does Chime advertise free mobile check deposit after making you agree to direct deposit only to reject all my mobile deposits? How are you refusing checks that are issued a national bank like XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is refusing to put a freeze on my credit report! And EQUIFAX is missing my credit report by put malicious malice vicious slander and intimidation! I asked for a freeze I was denied and EQUIFAX continue putting untrue information on my credit report concerning XXXX XXXX XXXX THIS COMPANY IS NOT MY MORTGAGE HOLDER! Please remove the fraudulent slander from my credit report immediately! Cease and desist reporting fraud! And again REMOVE CHAPTER XXXX bankruptcy! I DID NOT FILE DISMISSED BECAUSE THERE WAS NO MEETING OF THE CREDITORS! I was granted FREEDOM IN THE NAME OF XXXX XXXX IN THE NAME OF XXXX XXXX YOU ARE COMMITTING A CRIME CALLED FRAUD! Cease and desist fraudulent report immediately! 
EQUIFAX XXXX XXXX ARE REPORTING XXXX 2 times XXXX IS NOT A MORTGAGE LOAN CEASE AND DESIST FRAUDULENT REPORT! This LOAN IS FRAUDULENT PLEASE CEASE DESIST FRAUDULENT REPORT! USDA AGREED TO REMOVE THIS FROM MY CREDIT REPORT! STOP REPORTING XXXX 2 times this is fraud XXXX LOAN IS NOT LABELED A MORTGAGE LOAN YOU ARE VIOLATING MY RIGHT OF RATES REPORTING FRAUDULENT! 
I am forgiven of all debt in the name OF XXXX XXXX IN THE MIGHTY NSME OF XXXX XXXX DTOP THIS SLANDER AND ABUSE AND INTIMIDATION IS A CRIME! STOP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Creditor, I am submitting this letter because I need to have my account updated as it is being affected by LATE CHARGES. I lost my job in XX/XX/2017 and was able to keep my payments up-to-date for over an entire year. I contacted you all multiple times for help but was not told about the modification program until I was already months behind. However, I was approved and given a modification to pay XXXX per month for 12 months. Those payments were made on time. Then, at the end of the 12 month period, I paid over XXXX at once-even though I could not afford it but did not have a choice. 

I have late payments for 12 months on my XXXX, XXXX, and Transunion accounts. I was approved for the modification and it was paid ON-TIME so I am unsure why my account is still appearing negatively. I want to stay with XXXX XXXX, however, if this situation isnt rectified, then I will be forced to apply for another mortgage company so that I may start fresh.

Please assist me with updating my account so that it may include on-time payments. 


Respectfully, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING FRAUDULENT ACCOUNT IN MY NAME : TRELLIS COMPANY OPENED : XX/XX/2017 XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account was paid off. I checked my credit 6 months later XX/XX/XXXX and it was still on my credit as balance due. It does say {$0.00} past due but also reflects a balance of {$710.00}. This amount was satisfied in XX/XX/XXXX. I did have correspondence with them and they acknowledged that it would be removed. However today XX/XX/XXXX the balance still reflects {$710.00} on my credit report.
Product: Debt collection

TrueAccord sent mail I received on XX/XX/2022 regarding a fraudulent account in my name. XXXX XXXX XXXX said on XX/XX/2022 a few days earlier states that they own the debt, and TrueAccord hints at them owning the debt. Reference # XXXX, account # ending in XXXX. 
I want to know who actually owns the debt, and if TrueAccord owns the debt, I request a full validation. If not, I want them to cease all inquiries. TrueAccord stated that by XX/XX/2022 that this debt will go into collections. So who owns the debt? If XXXX XXXX XXXX owns this debt, I also need to know. 

I have been lied to and threatened so many times by this issue Im not sure. This debt has been sold and moved too many times to tell whos telling the truth. 
Both inquires are attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to apply to go get my new car they told me I was denied because of credit When I asked to see my credit report I saw things on there that I didn't know anything about. XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, DPT ED/XXXX, XXXX XXXX. These items are still on my report and I need help with this. I have already contacted the FTC and the police.
Product: Credit card

my wife and I have both taken out credit cards with Wells Fargo they told us when we signed up we would receive {$200.00} for using the card and if we used {$500.00} in the 90 day window we would receive the {$200.00} credit on our cards we have not this has been going on now for months with o money deposited we call they say that we did meet all the requirements and its should be there last month now this month then this month by the XXXX and here we are still no money .sick of being lied to and delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to Hireright I have not been able to start working any jobs on the original start date. XXXX took three months. So I worked at XXXX  that paid less. It took two months to complete my background check for a temporary assignment with XXXX XXXX XXXX I had to get rental assistance, a pay day loan, and I almost lost my car. Now a permanent job at XXXX XXXX is doing a less stringent background and somehow the background check is again taking long enough that my original start date of XX/XX/XXXX wont work. Now I am looking at starting XXXX XXXX XX/XX/2021 due to Hirerights inability to complete my background check in a reasonable time. Due to Hireright I cant get a job without missing the original start date. I just want to get back to work.
Product: Checking or savings account

My employer uses XXXX XXXX XXXX as an HSA service provider. XXXX  offers two options for managing HSA assets, the money can be kept as a simple savings account ( held at UMB Bank ) or one can choose to invest the money in a HSA investment account ( serviced by XXXX  ). XXXX charges {$2.00} a month ( $ 30 year ) for the investment option, regardless of the balance in the account. I don't want to pay a recurring fee for having my HSA money invested, considering there are so many other firms that do not charge for this service. I found several options of brokerage accounts without fees, such as XXXX, so I opened the account at XXXX. 

Once I transferred the funds to XXXX I realized that UMB Bank charges {$25.00} for money transfers. I called to better understand the reason and they said this is a standard fee and I that I wasn't made aware before since it's on the account disclosures. I have never read such disclosures since this service provider was chosen by my employer, not me. 

The issue is that I and my employer continue to make contributions to the XXXX/UMB HSA account as this is how the HSA service is set up, so I would incur a {$25.00} fee each time I transfer money to XXXX. I asked Alight and UMB Bank for another option to get my money out and they said the only option is to do an " HSA rollover '', however this option is limited to once every 12 months by the IRS. Therefore, limiting my ability to transfer my money to a financial institution of my choosing without incurring a fee within that 12 month period. 

XXXX doesn't allow me to choose a different custodian for my assets but they also will not wave the fee to get my cash out, so I would always have to pay {$25.00} each time I want to move my money to XXXX. 

I find this fee excessive and restrictive. I have spoken with both UMB and XXXX and they said there is no solution, pay {$25.00} with each transfer or wait the 12 months to move my money. This is simply unacceptable. 

The alternative would be to keep the cash in the savings account that doesn't charge fees but this prevents me from investing the assets and forgoing growth in my HSA account.
Product: Money transfer, virtual currency, or money service

On XXXX i tranfered XXXX euro 's to my Coinbase account. I got a notification saying i had to pay a XXXX cents with my new XXXX euro balance so i pressed proceed. Since then i can not do anything with my account. I keep getting the notification " Payment Pending, We are still waiting for funds from a recent payment. Your account will be restored as soon as we receive funds. '' I can't buy any crypto with the XXXX still in my account but i also can't wire the money back to my bankaccount since i keep getting the same 'payment pending ' notification. I send a email to Coinbase on the same day because payments normally go true in an hour or 2. I got a mail back on XXXX saying i had to wait 3-5 business days and if it hadn't by then i had to contact them again. I waited 5 business days and nothing happend so i again send an email to Coinbase on XXXX. I got an email back on the same day saying they where giving my case XXXX # XXXX XXXX to an expert. After waiting till XXXX i emailed them again asking for an update. I didn't get a respons so on XXXX i made a new case XXXX # XXXX XXXX asking if someone could help me cause everyone stopped reacting to my old case. I got no reply so i emailed them again on XXXX again asking for support. Again no reply. So i again made a new case XXXX # XXXX XXXX on XXXX and i got a reply on the same day saying they where again giving my case to a XXXX and it was going to take up to 5 business days. I didn't hear anything so i send another email on XXXXXXXX but i haven't heard anything and my account it still broken. 

As you can see it's been almost 6 weeks with loads of promises but no actions and i still to this day ( XXXX ) can not do anything with my funds ( XXXX ). I really hope you can help me with this case since i live in XXXX XXXX and XXXX has no office here so i really have no other choice. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and notice I had some fraudulent accounts on my credit report. Please remove these fraudulent accounts from my credit report. These fraudulent accounts are hurting my ability to obtain credit and buy a home.