23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I was able to transfer out {$50000.00} from my AMEX Savings account to my XXXX bank account on XX/XX/XXXX. I received no warnings or alerts about this transfer. Then after threatening to take the rest of my money out of AMEX given poor customer service, I went to follow through on that. On XX/XX/XXXX, I transferred another {$30000.00} to the another account under my name at XXXX XXXX, which had been verified via trial deposits, but this time AMEX held the transfer and completely froze my account. I called AMEX per the website 's instructions on Saturday XX/XX/XXXX given I was unable to transfer any money from my account. The rep told me I wouldn't be able to do anything until Monday given the banking office I needed to talk to was closed. I have no idea why AMEX would restrict funds transfer to a bank registered in my name only AFTER I had threatened to transfer the rest out ( especially after allowing a larger transfer just 2 weeks before without any fraud alerts ) other than being punitive and spiteful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX does not have a business license in Georgia and is NOT authorized to conduct business in the state of Georgia. I am a resident of Georgia, therefore XXXX XXXX XXXX. attempting to conduct business with me is a direct violation. 

I demand this alleged debt to be REMOVED AND DELETED from my EXPERIAN credit report as it is your legal obligation to maintain an accurate report at all times! Failing to delete and remove this collection is a direct violation of my consumer rights! 

The attachment below shows proof that they do no have a license to conduct business in the state of Georgia. Choosing to ignore the fact of the matter is illegal and violates my rights.
Product: Student loan

Hi How are you doing? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus on this Federal Student Loan Nelnet. I've attempted several times to ratify the issue with student loan dept and credit bureaus and they still reporting inaccurate, unverifiable information. The balance is extremely questionable, and how ows it possible that youve reported me 90 days late with no late payments prior to that? Was the student loan servicer sued for not applying payments to consumer 's accounts correctly and i was never late nd this account is reporting incorrect and inconsistent. Each bureau reports that I was late on a different date remove for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit reports on Experian, XXXX and XXXX. I noticed all three bureaus had hard inquiries which I did not give my authorization. I put my dispute in the form of a letter, to all three bureaus, detailing my concern. I included a copy of my Drivers License and Social Security card as instructed. 

I made a follow up call and was told by all XXXX to contact the companies who made the inquiries. I was unable to get phone numbers to most and not able to get in touch with the rest. 

I insist Experian, XXXX and XXXX are forced to remove the inquiries immediately. I did not authorize any of the inquiries. All three bureaus are Illegally posting these inquiries, harming my credit score, as well as my reputation and must be removed.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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: Debt collection

I noticed the company reporting on my report late this summer. I called the company several times and ask them to provide me any documentation that the account was actually mine. This is a account with XXXX that I had ten years ago I switch my service for XXXX to XXXX I had to pay my bill in full. XXXX never sent me any other bill and all of sudden last year XXXX XXXX a collection agency started reporting on all three of my reports. I sent letters and letters and finally early this year the account was removed from my reports. Then late this summer it was right back on my report. I was given no documentation or letters from the credit bureaus that the account was mine and would go back on my report. So lately I been calling the collection company and XXXX and asking them to send me any documentation and I still received nothing. XXXX ca n't find anything when I give them my information to look up. Still today it is still showing on my credit report. I am in the Military and this can hurt my Security Clearance.
Product: Mortgage

i am being charged over XXXX dollars in a late fee even though i'm not late. i am about to pay my mortgage payment and i am in the grace period for the payment and already this comapny has charged me a late fee which is outrageous. i have been ill and that is why i didn't pay on my due date.
Product: Debt collection

On XX/XX/XXXX Capital One charged of a debt of {$420000.00}. On XX/XX/XXXX I receive a letter from XXXX XXXX the debt is now owed to then for the amount of {$4200.00}. On XX/XX/XXXX I receive a letter in the amount of {$4300.00} that is owed to them. On XX/XX/XXXX I receive a letter from XXXX XXXX now I owe them {$4300.00}. A Greater balance of {$87.00}. On XX/XX/XXXX I receive a Summons and Complaint from XXXX thru XXXX County Court in the amount of {$4400.00}. XX/XX/XXXX I receive an Order To Appear before Commissioner, balance now is {$4700.00}. Now the balance is greater by {$460.00}. The next time I hear from XXXX in the form of a Garnishment Notice dated XX/XX/XXXX in the amount of {$7200.00}. Next is the Garnishment Notice to collect money on rent in which I was not even collecting for the amount of {$6700.00}. Another Garnishment Notice in the amount of {$6100.00}. Then another Garnishment Notice on XX/XX/XXXX in the amount of $ XXXX.Several letters and correspondence I receive regarding this debt have amounts that do not match. Leading me to believe they have significantly inflated this debt as to they see fit. On XX/XX/XXXX I file a complaint with your agency. A response letter fro XXXX states that as of XX/XX/XXXX the date of their letter the amount is $ XXXX.The Garnishment in XX/XX/XXXX states XXXX. A letter Capital One responds to you, dated XXXX that XXXX XXXX XXXX charging interest on this debt as of XX/XX/XXXX. You will clearly notice the interest is higher on each garnish notice to date. An e-mail between my Payroll and Benefits states as of XX/XX/XXXX XXXX tells them the amount is {$6100.00}. I have now paid {$3000.00}. Then on XX/XX/XXXX XXXX states the amount is {$5000.00}. To this date I have had garnished the amount of {$4600.00}. Then on XXXX/XXXX/XXXX I receive a phone call from a male regarding this debt. I am not able to discuss this matte since I am in the woods and do not have access to any paperwork. The male then becomes threating as to say it would be in your best interest to discuss and pay this debt. I have a lawyer who they need to go thru for any other contact then court documents, this law was broken. And also the threat. I believe they carried out the threat by serving me another Order To Appear to the Commissioner. This meeting was schedule in the furthest point of XXXX County WI. Making me drive the farthest as possible to inconvenience me. During the meeting they were by phone. They asked me questions they already knew and not once asked for the taxes, paystubs, or bank statements they requested. This was just to inconvenience me and charge me another {$100.00} for court proceedings. My wife was present who was not part of this debt they say I owe. They then harass her asking her questions about her job and wages threatening to come after her. They clearly can not do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXXXXXX, those 2 accounts Were sent to collections which means it is illegal for Equifax to have reported this information on my credit report pursuant ( 15usc 1681c 4 ) Which says that accounts placed for collections is excluded from credit reports. Each one of those accounts were sent to collections.
Product: Credit reporting or other personal consumer reports

The hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX needs to be removed from my credit report immediately because it's fraudulent and inaccurate information I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to XXXX XXXX
Product: Mortgage

On or about XX/XX/XXXX, I began the process of refinancing my existing Variable rate first mortgage with Homeside Mortgage Company in order to lock in fixed interest rate. I explained to the Homeside Representative handling my account - XXXX XXXX - the terms I was looking for, and was promised by him ( at various times throughout the transaction ) the  following : 1. The {$450.00} home appraisal cost would be credited back to me at closing ( it was not ) 2. It was " against the law '' to continue paying my homeowner 's insurance separate from my mortgage - apparently due to the level of equity and the debt to value ratio of the fixed rate loan. Additionally, he said that now I " won't have to worry about paying my homeowner 's insurance policy anymore '' because the mortgage Homeside was selling me would " take care of it ''. However, due to a miscommunication between my homeowner 's insurance company - NJ Manufacturers - and Homeside, the balance of my XX/XX/2018 homeowner 's policy ( approx. {$880.00} ) was NOT accounted for at closing and is still due. After pointing this out to Mr. XXXX, I was informed that I would have to " pay it separately - which is now apparently not " against the law '' to do. 
3. The money to pay off the mortgage I was refinancing would be wired to the mortgage holder - XXXX XXXX XXXX XXXX - on Monday, XX/XX/XXXX. It was not - a paper check was " over nighted '' and arrived there on Tuesday, XX/XX/XXXX, apparently because the wiring instructions were not clear ( XXXX vehemently disputes this and said the instructions were included with the payoff letter they sent to Homeside ) 3. As long as the XX/XX/XXXX payment due on the mortgage I was refinancing was paid at some point in XX/XX/XXXX, my credit would not be affected. Today - XX/XX/XXXX I was informed by XXXX  that there is a " late payment '' notated on my account from XXXX for the XX/XX/XXXX mortgage payment ( currently under dispute ) ( * Please Note that I signed the closing papers for this mortgage in my home on Wednesday, XXXX ) I feel that I was misled by Homeside throughout the transaction, and suffered various consequences due to their incompetent handling of the appraisal of my home, escrow analysis of the refinanced mortgage, payoff of my old XXXX mortgage, as well as the whole closing experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past XXXX years, I have attempted to remove XXXX collection account from my credit report, without success. Unfortunately, the credit bureau is still listing it on the report when it is paid off and should no longer be taken into account. It is listed as : XXXX XXXX XXXX XXXX XXXX Paid off on : XX/XX/2018 2018
Product: Debt collection

XXXX continues to put on my report information bill for a XXXX cell phone i never owned in 2010 but when i called they wont take it off and they are continuing to send collection bills by collecton agency as well. for {$410.00}. i want this information off my credit reports and have them stop ruining my credit for a phone i never owned in 2010 or had or applied for. there must been someone else trying to get this card under my name or ss number or something.
Product: Debt collection

on XX/XX/19 I had XXXX. 
The bill in question was for {$590.00} Total from XXXX XXXX XXXX XXXX It was broken down into 2 equal parts for XXXX XXXX XXXX & XXXX XXXX XXXX for {$290.00} each. 
I made on initial payment of {$18.00} on XX/XX/19 owing {$570.00} while I was trying to figure out how to pay for multiple bills at once from the single XXXX. 
I had at least 6 different bills coming in from this one XXXX, so I put them all on payment plans. The agreement was for at least {$47.00} per month for 12 months and I made that first payment of {$50.00} on XX/XX/19 and another for {$50.00} on XX/XX/19. 
So I now owed {$470.00} I did not receive a bill after that and when I called to find out what happened, they had somehow changed my address to XXXX  ( I haven't lived there in about ten years ). I corrected the address and was assured new info would be in the mail. 
I received a new bill in early XXXX with a statement date of XX/XX/19 and a due date of XX/XX/19, but I had only just received the bill so I paid immediately on XX/XX/19 for {$48.00} bringing balance down to {$420.00} I did not receive a bill in XXXX or XXXX. 
Today, XX/XX/XXXX I opened a bill that reflected the {$420.00} amount due. Statement date XX/XX/19 and due date XX/XX/19. I went online to pay, but my balance said {$290.00} I made a payment of {$55.00} to bring my balance down to {$240.00} and started looking through my summary. 
It appears they were applying my payments only to XXXX  and not evenly split between him and XXXX. 
Even though the payments were applied to XXXX, that was the half that they sent to a collection agency ... with no warning or notice prior. 
When I attempted to contact the listed collection agency, they tried to sell me a cruise and hungup on me. When I contacted XXXX XXXX XXXX XXXX, they said there was nothing they could do. 

So I have a medical debt with a collection agency that i was not warned about, have had no written correspondence with, and when i try to call the number provided by my doctor- they try to sell me a cruise and hangup on me. 

Collection Agency : Chase Receivables XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX
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 violates the Consumer Financial Protection Act ( CPPA ), 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 errors resolution requirements under the Electronics Fund Transfer Act ( EFTA ) and regulation E. These actions has caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Checking or savings account

I am writing to file a complaint against JPMorgan Chase Bank , N.A . ( Chase ) concerning the unexpected closure of my Chase checking account and XXXX XXXX XXXX credit card, which are critical to my online reselling business. I believe that this action taken by Chase is unwarranted and has significantly impacted my ability to conduct business. 

I operate a legitimate reselling business where I purchase products on XXXX to take advantage of the 5 % cashback offer associated with my XXXX XXXX XXXX card. I then sell these products to wholesalers and distributors, including companies like XXXX. All my business transactions are conducted through my Chase checking account and XXXX Chase credit card. I do not engage in cash deposits ; instead, all transactions are transparent and recorded via direct deposit from legitimate business sources. 

On XX/XX/year>, I was notified that my Chase accounts were being closed due to " unexpected activity. '' I am perplexed by this decision, as my business model is straightforward and compliant with all applicable laws and regulations. My account activity solely reflects my business operations and is in no way fraudulent or illegal. 

I kindly request the CFPB 's assistance in investigating this matter. I seek a fair review of my account activity and the opportunity to appeal Chase 's decision to close my accounts. My preference is to continue my banking relationship with Chase, as it is essential for the smooth operation of my business. 

I appreciate your attention to this issue and look forward to your support in resolving this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX, a seemingly nice stranger asked for my phone number, so I gave him my phone expecting him to put his number in. He proceeded to instead send himself {$300.00} to his cashapp from my cashapp without my permission. He also attempted to transfer {$400.00} and {$200.00}. Those payments did not go through, but {$300.00} was taken out of my account. 

I immediately contacted cashapp for a refund and I thought it went through but it was denied. I contacted my bank ( XXXX XXXX ) immediately after Cashapp denied the refund, and they issued a provisional credit, but later denied the claim because the scammer provided some documentation that he was a a friend in my contacts, which he mustve added ) and cashapp denied it because I had a pin on my account, which I only added after this incident.Wells Fargos provisional credit was removed from my account on XX/XX/year>, and I am seeking a refund through the CFPB. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

i Company placed the debt on my credit report as a collection agency as I have already explained to original debtor and they agreed was not my debt. Contacted collection agency very rude tried to explain to them not my debt stated did not matter would not remove it off my credit. Even offered to pay the balance not being me still stated that will not move off my credit report. The young lady was very rude and treated me as if I was some kind of trash off the streets. I will be forwarding to my attorney for violations of FDCPA and the federal trade commission as well. It is a shame that only do I have o spend money for illegal credit reporting but also waste my time
Product: Checking or savings account

Asked worker about cfpa lawsuit she said they dont have to give me any information about other savings accounts. Manager would not say anything except ongoing lawsuit nothing to say.
Product: Credit reporting

I am still having problems with Chrysler CapitalXXXX. I have made multiple request for first year statements. They refuse to respond or send statement or place them in my online account. They did send my a copy of my contract with no cover letter or explanation. This in addition to false reporting of late payments, refusing to do a full investigation and providing the steps they took and provide it. This has been going on for Four months. 
Please help
Product: Credit reporting or other personal consumer reports

Accounts have been paid in line with requirements by the creditor also some of the purchases were by ex-spouse and one was a fraudulent charge on my US Bank card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried repeatedly over several weeks to obtain a credit report from Experian, as well as some of the other services they offer. They send me e-mails indicating I have membership ID XXXX, yet when try to log into their system, I get incorrect user ID or password over and over. I have reset my user name and password 5 times and I still can not log in. What is most frustrating, is that I believe the log in issue could be easily resolved in 5 minutes or less if they had a real live person you could talk to. Instead of that, they have an automated voice system and no e-mail support. 

I was recently turned down for an account with XXXX because of adverse information on my Experian report, while at the same time XXXX and XXXX are reporting excellent credit with a FICO score of XXXX out of XXXX. 

How can I fix a problem on an Experian report if I can't even get to it? Experian needs to have real, live customer service representatives available 18 hours a day, 7 days a week. 

In addition to this complaint, I will also be filing one with the XXXX XXXX XXXX  and the North Dakota Consumer Fraud Department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit report dated XX/XX/XXXX indicating I was late 60 days late XX/XX/XXXX which is correct. I paid the loan in full in XX/XX/XXXX. When reported again my credit report indicated I was 60 days late for the month of XXXX. I have spent countless hours and sent bank statements, copies of credit reports with no success to get the reporting corrected.