23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I inadvertently over-paid them with a debit from my debit card that is attached to my checking account. The balance that I owed them was XXXX, but I paid them {$3500.00} anyway. I spoke to them about this on XX/XX/XXXX and was told to expect the refund back into my account in 3 to 5 business days. 
On the 5th business day, XX/XX/XXXX I didnt have my overpayment refund yet, so I called them again. They stated that their Compliance Department has my account under review and they were waiting to hear back from their Compliance Department. 
I followed up by phone on XX/XX/XXXXXXXX  and got no new update. Just that they & I should both expect to hear from their Compliance Department. 
I called them again XX/XX/XXXX, which is 2 full weeks after the overpayment, and got no new update. Again, just that they and I are both still waiting to hear back from their Compliance Department, and that sometimes it takes a couple weeks. I pointed out that it HAS been two weeks, and they still can not tell me when to expect my money back.
Product: Checking or savings account

I opened a 12 month CD with XXXX  XXXX  ( Webster Bank ). It matured XX/XX/2024. I've called almost every day to try to get the money transferred so that I have access to the money however I keep getting the run around. I even called XX/XX/2024 via secure message to make sure I had instructions to stop the renewal when it comes due. I've done everything I've been asked in a timely manner and still can't get access to my money. If the bank can't get me my money in a responsible timely manner, they shouldn't be able to transact for consumers. I've asked for escalation and had XXXX success. Today, I received emails stating the XXXX has renewed.
Product: Checking or savings account

On or about XX/XX/2023 by father XXXX XXXX issued a check in the amount of {$24000.00} to me via US mail. The envelope containing the check was apparently stolen out of the mail. the check was then fraudulently altered and deposited atTD Bank in XXXX XXXX, FL. We reported the fraudulently altered and deposited check to the XXXX XXXX Police Department. This was the appropriate jurisdiction, after I checked with a representative of the States Attorney 's Office. We submitted copies of the cancelled check as well as a photocopy of the original check that was sent to me. A copy of the correspondence, and cancelled checks are included with this complaint. My father, XXXX received correspondence today from XXXX XXXX XXXX XXXX  that TD Bank was not cooperating with them to process our claim. My father and I are requesting the bureau 's assistance to contact TD Bank to expedite processing our claim through XXXX XXXX  so that we can be made whole. As the depository bank for an obviously fraudulent check they're responsible and need to be held accountable as such.
Product: Debt collection

We are filing a complaint against XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL, XXXX, and its management as we believe they are profiling us, discriminating against us, falsely accusing us of damaging the apartment, and attempting to extort money from us by billing us for paint and professional cleaning fees and then sending us to collection to top it all. They are trying to extort {$850.00} from us after we moved. 

I just learned they sent us to a collection/attorney office Berman and Rabin : Address : XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX KS XXXX XXXX : ( XXXX ) XXXX I sent several emails to them asking them to show me proof of the damage they were claiming and they never would. I asked them if they ever walked the apartment with us to identify with us what damages they were charging us for. They sent me pictures of the apartment before we moved in. In other words, they expect us to pay them rent for 2 years and pay them to get the apartment ready for a new renter.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have unexpectedly appeared on my credit report as of this morning, and I am clueless as to why. I routinely monitor my report, but this time I noticed irregularities that shouldnt be there. I even tried refreshing my browser in case it was a glitch, but the issue remains unresolved. I am beyond frustrated and insist on a detailed review of the documents Ive sent to resolve this matter swiftly and permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. account name XXXX XXXX account number XXXX date opened XX/XX/XXXX {$600.00} balance Account # XXXX XXXX TXXXX Account number XXXX {$440.00} balance Account number # XXXX XXXXXXXX XXXX  number XXXX date opened XX/XX/XXXX balance XXXX has ALL 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: Money transfer, virtual currency, or money service

My hold balance is XXXX in XXXX, i received XXXX in XXXX  From paypal, i received payment from online tutorial on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy.

15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

NOWCOM/WESTLAKE FINANC XX/XX/2021 Did not consent to unauthorized inquiry
Product: Credit reporting or other personal consumer reports

Hello to who it may concern ; Hi well i was looking at my credit report and i find out incorrect information of me and the only information you should have on my credit report should be the following only. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other information thats not accurate to what i just told you in this letter i want it removed as soon as possible and i mean it as soon as possible please and thank you.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bond age, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( B ) ( 4 ) -51002.152 ( B ) ( 7 ). I kindly request that you block this information from my credit report within 4 business days, pursuant to Section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from TransUnion. Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Several inquiries was made without my knowledge from Milestone XXXX XXXX XXXXXX/XX/XXXX and Destiny XXXX XXXX XXXXXX/XX/2021. 
I have no knowledge of these other inquiries and wish to have them removed off my XXXX XXXX report.
Product: Debt collection

Portfolio Recovery Associates, LLC ( PRA ) verified the accuracy of the information regarding the PRA account ending in XXXX and the judgment and garnishment related thereto. PRA purchased the XXXX XXXX XXXX XXXX ( " XXXX XXXX '' ) XXXX XXXX credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX and that a balance of {$3700.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letter to you on or about XX/XX/XXXX. The PRA account ending in XXXX was placed with the law firm of XXXX XXXX XXXX ( XXXX ) on or about XX/XX/XXXX. XXXX filed suit against you on or about XX/XX/XXXX and obtained a judgment on the account. Correspondence and court records reflect that you were properly notified of the proceedings. Judgment on the account was obtained in Superior Court, XXXX County, California bearing case number XXXX. In response to your disputes, PRA previously sent you the attached letters containing a fraud/identity theft affidavit and instructions for its completion and return as well as account validation. We believe that no further steps in response to your complaint or follow-up actions are required at this time. 
That is just one time!! There have been multiple times.
Product: Credit card or prepaid card

I'm a member of BJ 's wholesale club and have My Bj 's park credit card issued by the Comenity Capital Bank card number XXXX. 
A number of times I used this card not too much and I do the payment by auto pay connected with my checking account. 
On the last payment I became surprised when an amount of {$140.00} has collected from my checking account. Then I checked from very beginning of the date I started using the card and found in total i used the card {$560.00} but they collected {$660.00} from my checking account. In the middle I became default to pay because my checking account was hacked and to protect my account I stopped the checking account for a few days what I have inform them.You could see the statement here. So my request to you please check my paper and do the necessary to get the overpayment refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, EQUIFAX, and XXXX, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, EQUIFAX, AND XXXX place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Product: Credit reporting

There is an address listed on my credit report that I never lived at. The address is:XXXX XXXX XXXX XXXX. XXXX, IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
15 U.S.C. 1681 section 602 A. States I have the Right to Privacy 15 U.S.C. 1681 section 602 A. Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

One of my check was being stolen from the recipient and somebody else cashed the check of XXXX US Dollars in XX/XX/2019. I contacted Chase bank over 4 times and send back the form they requited 3 times, and they claimed they never receive it and asked me to send again.
Product: Mortgage

I applied for a mortgage loan modification in XXXX or XX/XX/XXXX. I submitted documents and went back and forth with relationship manager XXXX for several weeks. I finally submitted everything as requested and was approved for a trial payment period. I paid all three of the payments ( XXXX, XXXX and XXXX ) and continued to pay the {$950.00} payments past the trial while waiting for the final modification documents. I call in to make the payments when I pay. I called in and made a 4th payment on XX/XX/XXXX. I called on XX/XX/XXXX to inform them that I would be making the payment for XXXX if not the week of the XXXX, I would make in on XX/XX/XXXX and I also asked about final documents for loan modification. She said I should be receiving them soon. I called today to make the payment and I was told that the payment was {$970.00} instead of {$950.00} I said ok, I would pay that amount, but I need to speak to someone regarding the final modification papers. She transferred me to someone and I was told that my modification had been cancelled because I did not submit a copy of my marriage certificate that was requested on XX/XX/XXXX. I told her I never received a letter and no one called to inform me that it was needed. I called in to make a payment on XX/XX/XXXX and no one asked about the document. My relationship manager had not reached out to me regarding the document or anything else. I was told it was sent to my bankruptcy attorney. I reached out to him and he said that he has not received any letter from them, if he had he would had sent it to me. Now I have been asked to start this process over and I don't think that it is fair because someone dropped the ball. The representative at US Bank Home Mortgage goes on to say maybe the lack of communication was related to COVID19 and not having many people at work. Well that's not my problem because I am essential worker and I go to work everyday. I have done my part to in this agreement to pay my mortgage throughout this plan and I thought that was the purpose of an INDIVIDUAL RELATIONSHIP MANAGER to make sure the communication goes smoothly. But there has been no communication and I somehow have to pay for the mistake. NOT FAIR. They called me to let me know about documents needed before, so why did they not call to tell me needed this one?
Product: Vehicle loan or lease

We refinanced a truck with a local XXXX XXXX and the original loan was through Chrysler Capital. The refinance check of $ {$45000.00}, was signed for on XX/XX/year>, by a XXXX XXXXXXXX XXXX XXXX XXXX. The check was sent by XXXX. The check was never entered into the system or cashed by Chrysler Capital. When this issue was discovered by us, the XXXX XXXX faxed over the receipt of delivery. We also made several calls to Chrysler Capital. We were told that they would not speak with the XXXX XXXX and that they need a faxed copy of the check, front and back. The XXXX XXXX did not have this, because the check was never cashed. The XXXX XXXX stopped payment on the originally check on XX/XX/year> and reissued and sent a new check. This check was received by Chrysler Capital and applied to the account. The account now had a late fee and daily incurred interest, which left a balance of {$330.00}. I went to the XXXX XXXX and obtained, the originally payoff letter, a letter from the XXXX XXXX, XXXX shipping label, internal ledger of the check, and the signed receipt from XXXX. I faxed all of this, plus a letter from myself in regard to the handling of this payoff to Chrysler Capital. I also paid the remaining balance of {$330.00} to save our credit ( This was done on XX/XX/year> ). 
I received a call from Chrysler Capital that I missed ( I called them back, XX/XX/year> ). When I called them back, I was told that they would waive the {$330.00}. I told her that I had already paid that to save my credit. I understood that they would return the money anyway. Today I received a call from Chrysler Capital and was told because I paid the balance the account was closed, and they could not waive the {$330.00}. I was also told that they would no longer look into my dispute of how the payoff was handled. They are sorry for any inconvenience this has caused. 
In all my business dealing once you sign for a package or check in this case you are responsible for it. I have never had such an appalling customer service and refinance experience in my life. I believe that Chrysler Capital is shady and stealing money from consumers with their polices.
Product: Bank account or service

A few years ago I opened FREE checking account in Bank Of America, in XXXX, Oregon. I had to follow few simply rules as not using teller services, only ATM, and I pad no fees. Few weeks ago I have noticed that while still following rules I agreed, I was being charged {$12.00} per month fee for having this account. 
I called, I visited in person and was told that type of free account I opened do not exist anymore. I closed my " free '' checking account immediately. 
Bank of America used " bait and switch '' tactics in order to trick a lot of consumers, I supposed, into paying monthly fees. 
I have no idea for how many months I was paying $ XXXX monthly fee without my knowledge, but I am quite sure I ma not the only one who was tricked by BofA ( in Oregon at least ). In my opinion switching free account into $ XXXX monthly fee account was purposely designed trick. More than receiving paid fees, I would to ask to investigate BofA banking practices and I offer to provide more information and comments if needed.
Product: Checking or savings account

I wasn't able to access my account, and maybe had XXXXXXXX XXXX XXXXXXXX overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XXXX2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I have previous sent an email of a police report on XX/XX/XXXX to XXXX  regarding fraud activities. I never received a response back. I have sent a certified debt validation letter to Acima on XX/XX/XXXX. Acima responded back requesting additional information such as DOB and SSN, I also provided them with the full alleged account number. On XX/XX/XXXX, I've sent another certified debt validation letter which includes the requested information from Acima along with a police report that was provided to me on XX/XX/XXXX with a couple of accounts that has been fraud. The case status on the report still says pending because no one was charge with this crime. Acima responded on XX/XX/XXXX with documents that claims to validate this alleged debt. Please see attachments. I do not have a hand written signed contract. I never done business with this company. I am not not liable for the collection from this debt. Fraud alert has been placed on my report multiple times. I'm a victim of identity theft and it has played a major part in the account from Acima. I need for this company to removed it IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need this account deleted or updated. This is the item I demanding to be deleted immediately : Chapter XXXX Bankruptcy Case Number : XXXX Please remove this bankruptcy from my Public record
Product: Checking or savings account

I have a Chase checking account. On XX/XX/2023 I used the Chase mobile app to pay my rent using XXXX, as I do every month. 

Today, XX/XX/2023, although the XXXX Payment Activity Money Sent report on the Chase website shows a single payment, and I believe my landlord received only a single payment, my checking account transaction history shows XXXX identical withdrawals for the full rent amount. As a result I am overdrawn and have no access to my money. 

Chase posted about this issue on XXXX ( https : XXXX ) hours ago but has not done anything else to rectify the situation. It is late XXXX  afternoon now and I have no access to my funds and likely will not have any access at least through the weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$1400.00} -This is not my account.
Product: Debt collection

XX/XX/2021 received a call XXXX a guy saying that he was from a ADR XXXX XXXX he kept talking and wont stop he was very rude he told me that I have to pay this money. The email was ( XXXX XXXX ) XXXX and the other phone number XXXX. I was told i owe money from a loan I took out from XXXX XXXX. I asked them for more information on the situation and they would not tell me anything except that they would take me to court and garnish my wages if I didnt pay. They knew my old address and the last 4 of my social. Out of fear I gave them my email and they sent me a link that went to a deleted link. Im almost positive this a scam but I just want to make sure so Im writing this complaint.