23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I deposited 30,000 ( thirty thousand ) USD to Gemini Cryptocurrency Exchange and for some reason part of that deposit failed to clear which resulted in negative balance on my account. Gemini, instead of notifying me about the issue, instantly restricted my account on XX/XX/XXXX not letting me make another deposit or sell my cryptocurrency to bring my account back to a good standing. After creating a support ticket the same day the customer agent XXXX from Gemini Support requested to upload a selfie of me holding my ID and a notice with the date of the picture. I did everything as instructed and uploaded the picture to the provided secure link. I got a response on XX/XX/XXXX with apologies for the delay and I have not heard any updates since then. Today is XX/XX/XXXX and all my support tickets are being ignored with my funds, 30,000 USD, frozen on my account with no ability to trade, withdraw and deposit more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I haven't paid a bill late for years, but I see my credit reports says there are 16 delinquent accounts and that's what my credit score keeping low. When I looked into the each of the delinquent payments, there is none. I was wondering why my credit score is not improving when I've never had late payments made.
Product: Mortgage

My mortgage servicer was accepting payments from me up until XX/XX/2015. I was also trying to catch up on my late balance from when I was working and had no other income. They sent me XXXX checks back and said my mortgage is in default and they have stated foreclosure proceedings. Why ca n't I continue to make payments to try and resolve this issue? I do not want to lose my house. If I had the {$6500.00}. plus to give them immediately, I would. I am searching for other options, such as retirement money or a loan from somewhere. I want to pay them. Can you help me, please???
Product: Credit card or prepaid card

I received an online statement which said my payment was due XX/XX/2017. However went on line to make payment and they wanted my checking account number which i did not want to give so I went to Old Navy to pay bill. They stated that I could only pay on line with my checking acct # or by phone. When I called the phone # they stated my bill was XXXX which was a XXXX late fee. That is outrageous. I went on line today and gave my checking account # and paid XXXX which was the amount of my bill. that XXXX fee is outrageous. I also want to cancel my card. There is no option to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting. 
XXXXBalance {$3300.00} XXXX XXXX XXXXXXXX*-Balance {$280.00} DPT ED/XXXXBalance {$3100.00} DPT EDXXXXBalance {$1400.00} XXXXBalance {$530.00} XXXX  XXXX**XXXX*-Balance {$15.00} XXXX XXXXXXXX****-Balance {$22.00} XXXX XXXXXXXX****-Balance {$68.00XXXX XXXX XXXX ( Original Creditor XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX****-Balance {$230.00} ( Original Creditor : XXXX XXXX ) -XXXX***-Balance {$83.00}
Product: Mortgage

XXXX XXXX, a senior mortgage officer with TIAA bank ( formerly Everbank ), was in the process of helping my husband ( XXXX XXXX ) and I underwrite bids on houses. 

Throughout the process, I repeatedly asked XXXX if my husband, a XXXX citizen, would need to translate his XXXX bank account statements. Repeatedly, I was told that as long as the statements are translated by the original issuing institution ( i.e. the bank ), then those statements would be acceptable in the mortgage underwriting process. 

At this point, XXXX was aware that we had already started the process of translating the documents with his XXXX bank ( for a fee of XXXX euros ),  even having XXXX 's mother ( who had power of attorney on the account ) repeatedly drive to the XXXX bank to facilitate the translation. 

XXXX then pressured XXXX and I into moving forward with XXXX XXXX   and insisting that we would need rush delivery for a total of {$630.00}. We were angry because XXXX had lied about the necessary steps to translate the documents, leaving us paying large fees for last minute translation services without having any time to shop around with other translation providers. 

I called XXXX on XX/XX/XXXX to explain our grievances, given that we had expected to pay XXXXEUR to XXXX 's bank for translation services.XXXX said that Everbank would " take care '' of the bill, following up with XXXX XXXX via email right after hanging up with me. During our conversation, no indication was made that the bill may not be covered, would need approval, or was at all conditional upon moving forward with underwriting. XXXX nor XXXX XXXX did not contact us further regarding this bill beyond XXXX ' last email to XXXX XXXX. 

We were contacted by a bill collection agency on XX/XX/18 to pay the bill, threatening to affect our credit score. Of course, we were surprised that the bill had not been paid. 

When we followed up with XXXX, he indicated that since we did not move forward with the mortgage underwriting process, that he was unable to cover the bill. Neither XXXX nor anyone at Everbank/TIAA bothered to inform us of any of this information. 

I followed up with XXXX ' boss, XXXX XXXX to address the issue. On a back and forth email, XXXX expressly said that XXXX would pay the outstanding bill. That email was XX/XX/18. 

On XX/XX/18 I emailed XXXX again asking for a status update on this outstanding bill. He did not respond. 

On XX/XX/18, the bill collection agency informed me that XXXX left for a 2 weeks vacation abroad without paying the bill. I emailed XXXX again asking for an update. I have not received a response. 

I'm filing a complaint based on 1 ) XXXX XXXX deceptive practices in providing misleading information during the lending process, 2 ) Everbank ( TIAA ) not keeping their verbal and written promise to cover the translation bill in XXXX, and 3 ) Everbank ( TIAA ) not paying the outstanding bill after expressly committing to paying the bill in XXXX.
Product: Checking or savings account

Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Wells Fargo regarding the imposition of XXXX {$35.00} overdraft fees, totaling {$70.00}, on my account, despite my adherence to the banks communicated grace period. I believe these fees are unfair and were applied due to inconsistent and misleading policies involving time zones and transaction posting practices. 

Details of the Incident : On XX/XX/year>, I received a notification from Wells Fargo at XXXX XXXX  XXXX, informing me of a XXXX grace period to bring my account to a positive balance. The notification stated that the deadline for this grace period was XXXX XXXX  XXXX  on XX/XX/XXXX, differing from the banks general policy that aligns deposit cutoffs with my local time ( MST ). 

To meet the deadline, I deposited funds at XXXXXXXX XXXX XXXX  on XX/XX/XXXX, which is equivalent to XXXXXXXX XXXX XXXX successfully bringing my account to a positive balance. However, despite this, XXXX overdraft fees were charged at XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. 

Key Points of the Complaint : XXXX. Inconsistent Time Zone Usage : Wells Fargos standard policXXXX aligns deposit cutoffs with my local time ( XXXX ), yet the grace period deadline was communicated in XXXX. This discrepancy led to confusion, as I reasonably assumed the grace period would follow the same XXXX cutoff typically applied to deposits. 


XXXX. Acknowledgment of Positive Balance : During a conversation with a second-level supervisor, they confirmed, Your transaction was posted at XXXXXXXX XXXX  XXXX, verifying that my account was in positive standing before the overdraft fees were applied. 


XXXX. Contradictory Posting Policy : The same supervisor also stated that Wells Fargo posts overdrafts at XXXXXXXX XXXX indicating that even if I had met the grace period deadline, the policys application would have resulted in an overdraft fee, creating an unfair system where meeting the deadline still incurs penalties. 

Also XXXX things should be noted : XXXX ) At the time of deposit the deposit was fully posted and AFTER the overdrafts were added to the account the deposit shifted statuses and became " XXXX '' thus showing Wells Fargo munuplated the order of charges to benefit them and not the consumer. XXXX ) XXXX or XXXX, the second-level supervisor was rude and sarcastic and needs immediate customer service training.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT. I have been in contact with the debt furnisher, NCB Management, and they do not have information pursuant to XXXX XXXX Fair Credit Reporting Act or UC-C . They are robbing, badgering my credit with no explanation on an erroneous, alleged collections.
Product: Credit reporting or other personal consumer reports

In XXXX, I attended XXXX XXXX XXXX XXXX XXXX XXXX ) for three semesters. All educational expenses incurred during this period were fully paid, and there had been no outstanding debt related to my time at XXXX for decades. 

Unexpectedly, in [ exact month of the letter, if available ], I received a letter from ECSI Corporation stating that I owed a debt amounting to {$3100.00}. This claim was surprising and unfounded based on my records and understanding of my financial obligations to XXXX. To further investigate, I checked my credit report, which alarmingly listed a debt associated with ECSI for {$6000.00}. 

Seeking clarity, I promptly contacted ECSI to inquire about this discrepancy. During this conversation, a representative informed me that the debt was sent to them by XXXX. This information was perplexing as my educational expenses from XXXX were settled in full, to the best of my knowledge and according to my records. 

To date, I have not received a satisfactory explanation or documentation justifying this sudden claim of indebtedness. The appearance of this debt on my credit report and the demand for payment from ECSI are concerning and appear to be in error. I request a thorough investigation into this matter, including a review of the original documentation from XXXX that allegedly substantiates this debt, and a detailed account statement from ECSI. 

I am committed to resolving this issue promptly but require clarity and evidence of the claimed debt 's legitimacy. Your assistance in investigating and addressing this unexpected and questionable debt claim would be greatly appreciated.
Product: Debt collection

Over the last several months I have received repeated calls from Home Depot as early as XXXX. They leave automated voicemail continually filling up my voice-mail. When I call and text back I can't get through because the person they are calling about isn't me. I have no account information. They will not stop!
Product: Checking or savings account

I opened an account on XX/XX/XXXX ( Checking + savings ) with Central Bank in person at the XXXX, MO branch. The girl who signed me up said she was new and she had XXXX XXXX who I believe is the assistant branch manager ) behind her coaching her what to do to open my account. As part of a new customer promotion with Central Bank, I was offered a sign a sign up bonus of {$400.00} after meeting certain requirements ( {$300.00} checking bonus + {$100.00} savings bonus ). To receive these bonuses, I was told I needed to make at least 2 direct deposits and have the account open for 90 days to receive the {$300.00} bonus in my checking account. I was also told I would receive {$100.00} extra bonus if I also opened a savings account and put {$500.00} in it. I funded the account with a XXXX payment of {$550.00} and moved {$500.00} into savings to get the extra {$100.00} bonus. 

On XX/XX/XXXX, I called Central Bank to inquire about a fee that was charged to my account on XX/XX/XXXX which resulted in my checking account now reporting a - {$0.00} balance. I spoke to XXXX who explained it was a maintenance fee to me that was being charged because I did not have a direct deposit during the previous statement cycle ( unlike the firs/previous two months ). I asked since I was unaware if he could provide a one time fee waiver and he said it was not possible. I then asked if there was anything I needed to do to avoid getting extra fees and he said no as there are no extra fees added when a negative balance is result of a maintenance fee. I also asked him if he could provide me with an expected date of when my bonuses would be deposited as he confirmed I met the requirements and he said that it could take up to 21 days for the bonuses to report as accounts are manually reviewed. 

As the bonuses still had not reported, I called to inquire about the status and was told Central Bank was disqualifying me from both bonuses because their maintenance fee put me at a negative XXXX cents balance on day 91 of my account being opened. I tried to explain and spoke to XXXX and she also directed me to to talk to the branch manager XXXX to which I left a voicemail. On Tuesday XXXXXX/XX/XXXX, branch manager XXXX returned my call and already knew the details of my account and why I was calling before apprising her of why I was calling. She said there was nothing I could do to get either bonus and was also denying me the extra {$100.00} in my savings account. I asked about escalating and she said there was nothing she/I could do so I asked about filing a CFPB complaint and she suggested I try that route to get my expected resolution though it didn't seem like she knew what the CFPB is.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

The ( 3 ) major credit reporting agencies throttle credit reporting updates that would result in a favorable outcome, or increase in your overall credit score. I opened ( 2 ) new tradelines ; both of which have been reported to all ( 3 ) credit reporting agencies. I have had these tradelines for 90 days. Ironically, all ( 3 ) credit reporting agencies seem provide updates that have a negative impact on my credit score within the same time period that they received the update of my new tradelines. They have reported increased utilization on tradeline, and an over the limit update to another tradeline however, they wont report my new tradelines. Are credit reporting agencies allowed to withhold credit updates that have a favorable impact to a consumer, while reporting unfavorable updates which would result in a decrease in my credit score? I have a very specific example of this over the last 90 days and I need assistance with uncovering the reporting delay of favorable updates that would result in an increased in my credit score. It is if they are conspiring with the creditors and banks to slowly report updates that would give consumers better rates which subsequently reduces the profit margin for loans to said consumer. 

One of the two new tradelines is from XXXX XXXXXXXX XXXX. 

I am in the process of seeking legal guidance and representation against the credit reporting agencies. It is absolutely absurd that they are given this much latitude to have a reporting protocol that is unfair and has an adverse impact to the consumer and their credit options. Withholding favorable updates is a pattern that I am sure that many other consumers have experienced.
Product: Credit reporting or other personal consumer reports

I contacted this company numerous times to report unknown and inaccurate accounts and they violated my rights.
Product: Credit reporting or other personal consumer reports

I would like to notify the credit bureaus once more that I was the victim of identity theft. Additionally, I would like these items stemming from the claimed identity theft to be removed off my credit file. Credit Bureaus are obligated to remove any items specified in Identity Theft in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). 
Here is the list of items I wanted to remove once more! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Hello, I believe I was discriminated against when I got my truck loan from ally financial bank from XXXX XXXX in XXXX TX. The reason for this I offered a loan at 15 % interest rate from ally but ideas offered much lower rate from different creditors at same time for similar trucks. I accepted the deal but paid more in interest which is illegal.
Product: Checking or savings account

THIS IS THE SECOND TIME I AM HAVING SIMILAR ISSUES WITH WELLS FARGO, I LOVE BANKING WITH THEM BUT THEIR CONFLICT resolution/CUSTOMER SOLVING SKILLS ARE LACKING. I RECENTLY TRAVELED TO XXXX DUE TO LOSING MY GRANDFATHER, WHILE THERE, I COULDN'T NOT CONTACT THE OUT-OF-COUNTRY CUSTOMER SERVICE NUMBER THEY PROVIDED, I COULD NOT SPEAK WITH AN AGENT. I WAS LEFT TO DEAL WITH THE ISSUES AT HAND. I WAS CHARGED ATM FEES INTERNATIONAL AND WELLS FARGO ( NOT A BIG ISSUE ). WHILE THERE I RECEIVED A PROVISIONAL CREDIT DUE TO GETTING A DEPOSIT OF CHILD TAX CREDIT. NOW, I LIKE THE IDEA BUT THE ISSUE IS I WAS NOT INFORMED PRIOR, MY BALANCE HAD INCREASED, WHILE IN XXXX I WAS TRYING TO CONTACT WELLS FARGO TO SEE WHY MY BALANCE WAS SO HIGH BUT I COULD NOT REACH AN AGENT. WHEN I GOT BACK, I RECEIVED A LETTER AFTER THE CREDIT HAD BEEN APPLIED AND WAS BEING TOLD THE MONEY WOULD BE TAKEN OUT OF MY ACCOUNT AFTER 60 DAYS. WE ARE IN A PANDEMIC, YOU CAN'T JUST GIVE CREDITS AND EXPECT CUSTOMERS TO PAY, WHAT IF I LOSE MY JOB? WHAT IF MY FINANCIAL STATUS CHANGES? THE IDEA IS GREAT BUT COMMUNICATE WITH CONSUMERS PRIOR, AGAIN WE ARE IN A PANDEMIC!! ALSO, I WAS TOL ID GET AN OVERDRAFT REVISION OF XXXX DOLLARS I RECEIVED XXXX, EVERY TIME I CALL TO INQUIRE ABOUT FEES I AM ASKED TO STOP OVERDRAFT PROTECTION, WHY? I AM NOT OFFERED A SOLUTION BUT TO TUEN OFF OVERDRAFT PROTECTION. I DON'T MIND PAYING FEES WHEN THEY ARE REASONABLE NOT WHEN WELLS FARGO DECIDES TO CHARGE NONSENSICAL FEES. I LOVE BANKING WITH THEM BUT THE SERVICE NEEDS MAJOR IMPROVEMENT ESPECIALLY DURING THESE TIMES. THEY NEED TO COMMUNICATE BETTER AND OFFER SERVICES THAT WILL FIT CONSUMER NEEDS.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information that have been falsely submitted and continue to publicize with my name with any credit bureau ( XXXX ) needs to be removed immediately. Failure to do so will result damage to my Life, Liberty and the pursuit of Happiness, an I will bill additional charges per civil rights violation. In accordance with the Fair Credit Reporting Act. Violating my rights 15 U.S.C. 1681 section 602A. 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 or solicitation of any account information without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX response to my CFPB Complaint # XXXX was that they disagree and refused to delete these accounts I disputed. 
My QUESTION is how can XXXX XXXX disagree with my dispute that is solely based upon Gramm - Leach- Billey Act?. 
Which States : - Consumer has a right to privacy.

- Consumer must be given the opportunity to Opt-Out of credit reporting. 

- Consumer must give written permission or some form of consent. I never gave any consent to anyone! 


XXXX XXXX has worsened the situation and made me privy to additional compensation for updating / verifying my information which should not be reporting at all in the first place. I gave no CONSENT!! 
Remove these tradelines immediately.
Product: Payday loan, title loan, or personal loan

During the beginning of XXXX, I applied for a personal loan with the Cash Store in XXXX, Illinois. This store is a division of Cottonwood Financial, XXXX XXXX XXXX, XXXX, Texas XXXX. 
At the initial loan interview and agreement I was to make one monthly payment because am on Social Security. The loan was for {$300.00} plus 20 % interest and to pay back {$360.00}. My initial payment was to be in 10 monthly installments. When I got the request for a payment, it was {$120.00} and a second one in the middle of the month, I was appalled at the values as I never agreed to any of the amounts they claim. They told me they were going to come into my account at the middle of the month and take a payment. I told them not to do that as I was broke and there was no money in the account. They did that anyway.I am now refusing to pay the account and they hide all the names of people to contact to straighten out the problem. 
My husband actually audited the account and fond out where the company slips in hidden money values, that are nor obvious in the document nor were ever brought out in the open discussion. I was born with XXXX and needed to have everything spelled out for me, but they only told me I can read the rest at home. They neglected to assist me with the knowledge of payments. My husband cn prove they are misleading, deceptive and intentionally fraudulent. This company has just lost a XXXX Lawsuit for over charging in interest and, I believe that shows fraud. 
I believe they should pay back my first payment of {$150.00} and be investigated for misleading and deceptive business practices, fraud and XXXX discrimination against me because my reading ability is not the best. An analysis of what they have done and an explanation are available on request.
Product: Debt collection

30 days ago I sent a dispute letter to LVNV FUNDING LLC asking that they verify that I owed the debt that's being reported on my credit report. I haven't received any verification or consumer contract showing that i'm responsible for this debt. I would like for this inaccurate information to be removed from my credit report.