23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had the Chase XXXX XXXX card. The day before my {$450.00} annual fee was going to be charged, I downgraded to the Chase XXXX XXXX card, which only has a {$95.00} annual fee. That said, Chase charged me the {$450.00} annual fee AND the {$95.00} annual fee anyway. I have called multiple times to have the {$450.00} annual fee refunded and they keep telling me to wait and that it would come off. On my last call, the lady said it would likely come off for my XXXX XXXX statement but the {$450.00} fee is STILL on my account and they are STILL charging me interest on the balance. I was given a small adjustment for the interest but it does not cover everything. I am at my wits end and want the {$450.00} refunded immediately.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts, and I have no knowledge of their origin. In compliance with XXXX XXXX, I am requesting their removal within 15 days. Attached are the relevant documents for your review and reference.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Information on Credit Report Dear CFPB, I am writing to formally submit a complaint regarding inaccurate information reported by XXXX  on my credit report. The inaccuracies in question are reflected in the following account ( s ) on the respective date ( s ) : INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX INACCURATE INFORMATION DATE : XX/XX/XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ), it is my understanding that consumer reporting agencies are required to conduct a reasonable investigation of disputed information. The inaccurate information reported by XXXX adversely impacts my creditworthiness, and I believe this is a violation of the aforementioned statute. 
Furthermore, I request that XXXX provide documentation that demonstrates the accuracy of the information reported on my credit file. This should include any supporting evidence or statements that verify the validity of the information in question, as mandated by 15 USC 1681s-2 ( a ) ( 1 ) ( A ). 
Under the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide the requested documentation. If you are unable to verify the accuracy of the information within this timeframe, I request that these inaccuracies be removed from my credit report and that my file be updated accordingly with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections or updates made to my credit file are communicated to me at the address listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my credit standing. 
Thank you for your time and consideration. I look forward to a positive resolution. 
Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi i am from XXXX an i did a work and travel to XXXX XXXX XXXX in XXXX, i open an account in XXXX XXXX and deposit mi money there, when i came back to XXXX i leave money there so i can transfer if i need it. In XXXX they close mi account with XXXX us dolars saying some movements were fraud but its isnt. They never ask to me if i notice something strange in mi account and they close mi account without consulting me.Now they have mi money and they dont do anything to give me mi money, i ask to open a new account but they say no. The only way they say can help me its with a check but i dont have nobody in the us XXXX I ask if they can deposit mi money in a friend account and they say no. I dont know what to do, since 1 year i have this problem and i need a solution, please help me to bring mi money back, thank you
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 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat c payment on a credit card account under an + open end consumer credit plan as late for or purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT A DISPUTE FOR EQUIFAX AND STILL HAVE NOT GOTTEN A RESPONSE.
Product: Mortgage

From XXXX XXXX XX/XX/2023 my PennyMac mortgage account was reported as a late payment when the loan was in a modification status. Upon approval of the modification a silent second was used to make the account current and the credit report was not updated. The mortgage account was closed with a full payment of the loan on XX/XX/2023. This dispute is to have the late payments corrected to current with a note of loan in modification status.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For those violations
Product: Debt collection

XXXX XXXX calling neighbors that I do n't know and informing them that they are FBI and to contact the immediately about a debt I have. I noticed other complaints online from that name/number, that they are Direct Recovery ServicesXXXX XXXX XXXX, XXXX, NY XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

According to the provisions of the XX/XX/XXXX, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. XX/XX/XXXX, you must complete this reinvestigation within 30 days of receipt of this complaint.
Product: Checking or savings account

Roughly four ( 4 ) weeks ago my wife and I deposited a payroll check ( in person ) with the understanding that a two day hold was in effect. While we were questioning the process of holds, the manager said she could hold it for seven ( 7 ) days if they " felt like it. '' Fast forward two ( 2 ) more weeks, I deposited another payroll check ( same company ) and just as she threatened ... they now put a seven ( 7 ) business day hold on it, with no explanation. Taking my banking history into effect, I have a history of ACH and check deposits for $ XXXX to $ XXXX every two weeks, why would this institution impose such draconian rules on a valued customer, who has a great history of banking and substantial deposits, to then restrict access to funds they know are reliable? As I said, the last payroll check was from the same employer two weeks prior and since then the DD/ACH has been verified by min. deposit into my account from the same company. Is there any recourse for me, is there a way to decrease this hold and what fact based claim can be made to hold funds when prior deposits passed the " smell test? '' I am sure I am not the only one who has had this issue, but I fail to see the banks legal standpoint at this time. Thank you for your time and have a great evening.
Product: Mortgage

I have been trying and have failed to receive the form XXXX from the this mortgage company. It's been over a month and I have escalated this issue as high as I can go within the company. I need this form so my home can be from titled to deeded. My house payment went up over {$300.00} per month to cover these " taxes '' that I don't owe. If they would sign the form then I can file with the tax accessors office and won't owe the taxes. I paid one of their engineers to come and certify that it meets the criteria to have it deeded. I have supplied the documentation over and over to this company and I can't get no where. I had to come up with XXXX dollars so my house would not be sold on the court house steps because they failed to pay these taxes but won't sign the form so I can dissolve the tax debt.
Product: Checking or savings account

The transition from Peoples to M & T Bank nightmare. Should never have been approved by the Fed. 
Contrary to what they M & T told me/us as my Peoples debit card would work until the XXXX of XXXX, it was declined around 2 weeks prior shopping for food, gas etc... 
I called the # from emails they sent if you hadn't received your debit card and my phone died after a few hours. Tried a few days in a row until i called a # they had on their inaccessible website ( at 1st ) and complained to a women from the loans dept I think who had one sent to me days later. It didn't work until a few days. 
With Peoples Bank I had bank to bank transfers set up and they it should have stayed the same during the transition but wasn't. I have attempted to set it up again at least twice where my other bank would send 2 ( under {$1.00} amounts deposited to my M & T account. I was maticlus on the routing # s and acc #. Nothing shows in M & T. The other bank have sent me 2 emails claiming success in sending the now 4 different amounts. I went to the XXXX branch on XXXX XXXX and they just said they dont see any deposits. I tried in XXXX and XXXX. The IRS sent me an Email saying they will be mailing my tax refund due to no acceptance at the bank I had chosen. Pretty it was Peoples since the other bank is where I have my SS checks sent to.There is a web page on XXXX called " M & T Bank XXXX a place for victims '' with more sad stories. I suggested viewing it to the the senators Email I responded to. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 12 days ago ) XX/XX/XXXX Dear Information for an account at another financial institution was recently entered into our home banking system. Trial deposits of less than {$1.00} into this account have succeeded. Please check your statement to find the amount of these deposits, then log into our home banking system and click the verify link next to the newly added external account. 

There is another same email from my other bank also from earlier last month. 

My account had an amount in RED text, I tried paying. It has a minus sign in front of it and I still have no clue as to why, after calling and speaking with a supervisor last week. I t wouldn't let me pay and deducted from my overdraft line yet I was told it was not being deducted. Sigh.
Product: Credit card or prepaid card

On XX/XX/XXXX i received a text asking if i tried to make a purchase at XXXX XXXXXXXX & i texted back No & I did what was asked in the attached file im sending. 
There were 2 other charges i found 1 for {$19.00} at XXXX XXXX in XXXX XXXX In Florida and another for {$170.00} at XXXX XXXX Also in XXXX XXXX Florida. I marked them on there web site and i believed thats all i needed to do at that point & a new card would be sent. 

On XX/XX/XXXX I got my credit card statement and saw the charges still on there so i called and told them these were fraud charges. The lady that spoke broken English took the info and that they would investigate & send a new card out to me. 

On XX/XX/XXXX i got 3 letters ( They are attached in the file ) 1 stating there opening an investigation, 1 stating it was resolved & 1 stating they found insufficient evidence of fraud & i was responsible for the charges. 
I called them again & another woman that could not speak English could not answer my questions. 
I sent a fax on XX/XX/21 to them ( Also attached ) to see if they can resolve this, But im asking for your help as well. 
I was home when this fraud happened & I Feel there is no way they could have investigated this & make false accusations that i or another account user benefitted from this.
Product: Debt collection

I am writing to complain about Accelerated Inventory Management , LLC ( " AIM '' ), a XXXX debt collector that obtained my credit information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' ) without my consent. " AIM '' used that information as an attempt to threaten in the form of a lawsuit for amounts notated in that information. I sent " AIM '' a letter of validation and requested information related to the validity of their allegations since I had never heard of them nor had any prior contact. They did not send back anything that substantiates their claim that I owe them the debt in which they are threatening to sue for, only doctored copies they obtained in the apparent transaction of my information. This is fraud on multiple levels and I demand an investigation into these unfair practices that deceive consumers such as myself. 

These are the specific violations of U.S. Code committed by " AIM '' : 15 U.S. Code 1681b ( d ) ( 1 ) ( A ) : AIM obtained my credit information from Lending Club without my consent.

15 U.S. Code 1681c ( 1 ) : AIM did not send me a written notice of the alleged debt before threatening to sue me.

15 U.S. Code 1681c ( 2 ) : AIM did not validate the alleged debt before threatening to sue me.

15 U.S. Code 1692e ( 2 ) : AIM used false, deceptive, or misleading representations in an attempt to collect the debt by sending doctored copies of documents.

15 U.S. Code 1692e ( 10 ) : AIM used threats of violence or other criminal actions to attempt to collect the debt.

18 U.S. Code 1028 ( a ) ( 7 ) : AIM committed mail fraud by sending doctored copies of documents through the mail. 
Specific Examples of Unfair, Deceptive, and Abusive Practices : To summarize : AIM obtained my credit information from XXXX XXXX without my consent. 
AIM threatened to sue me for a debt that I do not owe.

AIM did not send me a written notice of the alleged debt before threatening to sue me.

AIM did not validate the alleged debt before threatening to sue me.

AIM sent me doctored copies of documents in an attempt to collect the debt. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently wrote to State Farm Bank, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and I would like for you to have a copy of this document as well. ( See attached ). I would also like to initiate a dispute with you in efforts to finally remedy this situation once and for all. State Farm Bank continues to falsely verify this account whenever I dispute this item with the Credit Reporting Agencies, -as well as yourself, the Consumer Finance Protection Bureau XXXX -whom is a government entity. State Farm Bank, has stated to all parties. -the Credit Reporting Agencies , The Consumer Finance Protection Bureau , and myself, on multiple occasions, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete due to the unavailable history, or unavailable data ''. According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. State Farm Bank has been furnishing this inaccurate information to the CRA 's for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as informed you of the U.S. Codes which I believe that State Farm Bank violated, -yet somehow, you still allowed them to report that the information was verified, which causes this item to wrongfully remain on my credit report. Now, it should be rightfully removed! At this point, I pose the question ; Is State Farm Bank above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter is now beyond whether or not the account is verified or not ; it has become a compliance issue ; which State Farm Bank is seemingly willfully noncomplying. Furthermore, State Farm Bank continues to cause harm to me. This matter has taken a significant toll on my health and livelihood, meaning that they have caused me both my physical and mental distress. I have mentioned this in the letter that I have written to them. Please see the attached document. I have enclosed the pdf version of my letter to State Farm Bank, as well as my credit reports, which display the obvious inaccuracies and inconsistencies this company is reporting, XXXXwhich has been like this for a long time, yet, State Farm Bank continues to falsely verify as accurate. This has to stop at once!
Product: Debt collection

Wells Fargo has unfairly reported 60 day late payments to credit bureau. The late payments were due to false representation of the Pay Balance in Full functionality offered by Wells Fargo when I made a credit card payment. I made a payment of {$290.00} using the Pay in full button. Due to the fact that I used the Pay in Full button I believed my payment resolved 100 % of liability with Wells Fargo. However, Wells Fargo charged me {$2.00} interest 4 days after my balance was paid in full. The {$2.00} does not show up as a line item with a post/transaction date on any of statements but I believe it was generated on XX/XX/XXXX on the statement generation date. It is confusing and misreprentation to consumers to provide a pay in full button that does not in fact pay the liability in full. It is than unfair to say the consumer was 60 days late when in fact that consumer paid the balance in full. 

1. Based on a previous statement balance of {$93.00} a minimum payment of {$25.00} was due on XX/XX/XXXX. 
2. Additional purchases were made on XX/XX/XXXX in the amount of XXXX XXXX. XX/XX/XXXX a late fee was charged of {$25.00} based on the fact that did not make a payment 4. XX/XX/XXXX I used the pay in full button on the Wells Fargo website and paid the amount {$290.00}. 
5. {$2.00} was posted to my account as interest after I used the pay in full button. Pay in full should resolve the 100 % of the debt or the button should not be presented to me as a consumer. 
6. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance {$2.00} new balance is {$3.00} 7. {$1.00} minimum interest fee posted on XX/XX/XXXX based on the previous balance XXXX new balance is {$4.00} 8. {$4.00} was paid on XX/XX/XXXX.
Product: Mortgage

Loan was with XXXX transferred to SHELLPOINT XXXX, had nothing but problems, escrow account not paid, said was paid!!!!!!!!!!!!! On phone now with SHELLPOINT XXXX on hold for 30 minutes said ALL IN MEETINGS! BUNCH OF LIARS! NOW SAID FORCED PLACED INSURANCE!!!!!!!!!! Been trying to modify loan, is a 15 year loan, said, payment will go up, i was in an accident, XXXX  of XXXX  XXXX! NOTHING BUT LIES WITH THE BANK! Asked about impounds said call county for property taxes that is there job! MODIFICATION DENIED SAID PAYMENT WOULD GO UP!!!!!!!!!!!!?!?!?!? OLD BANK DIDNT NOT PAY THE INSURANCE OR PROPERTY TAXES!!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

SUPER URGENT. NEEDS RESOLUTION IMMEDIATELY I have made a CFPB complaint back in XX/XX/2023, and my issue still has not been resolved because Equifax has not taken any action to address my situation. So technically it has been over 60 days and my complaint has not been fixed. 

Back in XXXX, I was applying for a loan, but my lender was unable to pull my credit report for Equifax, just Equifax. They were able to pull reports from XXXX and XXXX. I have called Equifax phone support several times, and they always make up a bogus reason for why I am unable to pull my report. First they say that my information is not up to date, so I have to send in supporting documents of my copy of drivers license and copy of social security card and a cover letter with my info, but that never fixes the issue. I even received a confirmation from Equifax saying that my information has been updated, but now the letter says that no credit history exists on my report. So Equifax tells me to call my credit card companies like XXXX and XXXX to tell them to start reporting my payment history to Equifax. This started in XXXX and still no results. So I call Equifax this week in XX/XX/2023, and now they tell me that the copy of my driver 's license is blurry. I believe that this is a nothing but a dishonest statement to get me to stop calling them. This was never mentioned in any of the times I called Equifax again to confirm receipt of my supporting documents and was not mentioned in the confirmation letter Equifax sent me when they received my documents. On top of that, I am getting a repository message from them saying that " INFORMATION FROM YOUR INQUIRY HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY. '' XXXX XX/XX/2023. 

If this message is not removed from my report, my lender can not even pull it. But Equifax said I had no credit history, so how can both be true at the same time? I need this message to be removed immediately and I need my full credit report to be available from Equifax immediately or I will have to take legal action against Equifax. 

I have done all that I can to fix the situation myself, but there is nothing more I can do. Their phone support is unbelievably unhelpful, telling me conflicting information on multiple occasions. When I request more information about my situation or ask for their supervisor, they always just hang up on me.
Product: Credit card

A subscription service I had with XXXX renewed on XX/XX/year>. They charged my American Express credit card on XX/XX/year> for this renewal subscription. I attempted to cancel the subscription with XXXX on the XXXX and XXXX based on the increased price of the service ( which they would not discount ). XXXX informed me that they would not cancel the subscription and the full amount charge would continue for the full year from the charge a few days earlier. I disputed this charge with American Express. They took weeks to investigate and ultimately have concluded that I must pay XXXX ( for a subscription that I attempted to return within a few days of the charge ).
Product: Debt collection

I spoke to a debt collection agency today. A collection showed up on my credit report that negatively impacted my credit score. Municipal Collection Services , Inc. ( MCSI ) recently called my parents, and today, I was returning the call. 

MCSI claims that I owe {$250.00} for a ticket in XXXX, IL for not having a light on my license plate. I did indeed receive a ticket claiming that I did not have a light on my plate, but I contested and appealed it showing proof that I did. 

I am a reasonable person ; I recognize that the collection agency is just trying to turn a profit on this. I would not go so far as to claim serious corruption to charge me with this. However, it is evident that, at the very least, there has been a lack of due diligence on the part of the police department and collection agency because I do not owe any debt for either of them to collect upon. I assume this is all a mistake, but the MCSI representative that I spoke with was unwilling to listen to reason. I will not be bullied or threatened with bad credit into paying a baseless charge.