23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I submitted a previous request for information on my account. XXXX has failed to return my calls and did not address my concerns. She provided statements for only 1 of the accounts in collection but did not provide on the second account being collected on by : XXXX. I would have provided her this info but she never called me back. I need to see fees that were applied as well as how my deposit was applied to any past due balance.
Product: Student loan

I needed to consolidate my student loans quickly and I received an email from Equitable Acceptance Corporation. They told me they would be able to help me consolidate the loans, offer a lower rate, forgive the loans after 25 years and offer affordable monthly payments. For this service, they would charge approximately {$1200.00} at about 27.99 % interest - compound interest. 
I was nervous about my huge payments coming due and felt using this service would help give me the payments I needed - they offered so many great benefits. At this time, I did n't realize these were all benefits available to me through XXXX XXXX ; so, I signed all of the paperwork and submitted all requested documentation. 
About a year later, XXXX XXXX XXXX requested new income documents to recalculate my new monthly payments and I needed to complete the loan application again. I worked with XXXX and obtained a reasonable payment and also learned that the loan forgiveness was always available to me - it was nothing special that Equitable Acceptance was offering. 
About 2 months later, I received an email from Equitable telling me it was time to review my income documents - after XXXX contacted me and the recalculation was completed by me. I contacted Equitable and told them I already completed the process then began to wonder why I needed their " services ''. 
The sales person tried explaining the value of their services, but the more he tried selling, the more I realized they were just a middle man there to collect a lot of money for no good reason. The bottom line is, they offer no real benefit to consumers. I had to take the same steps with XXXX that I did with Equitable so what exactly did they offer? And what am I paying for? 
My complaint here is, how can it be legal to charge consumers for a service with absolutely no benefit? 
From my perspective, they are just 21st-century snake oil salesmen. 
I 'm not sure if you can help at all CFPB, but this is money I ca n't afford to simply see wasted. I believe, Equitable should return every penny and should be shut down for shady practices. However, anything you can do to help would be great. 

Thank you
Product: Debt collection

Columbia Debt Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX Genesis Credit Management XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX These XXXX companies are reporting the same debt but under XXXX different names. They have different company names and addresses but the same phone number. The original company is XXXX XXXX XXXX, XXXX, DE, with a owed balance of {$7200.00}. This account was opened on my credit report on XXXX XXXX 2023 ( XXXX ). This debt owed is a result of COVID 19 hardship, that was applied for rental assistance for the debt.
Product: Credit card

I used the CarXXXX Credit card for Dental work over the past 2 years and on XX/XX/year> I checked the account to see I was charge almost {$10000.00} for interest for the XXXX 
I was never told about this and never got paperwork that told me this was going to happen. For what I can see many people have had this happen to them and it is considered deceptive practices. 
I would like for them to reduce the amount of interest owed and to stop their deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023, XXXX XXXX adds a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon my further research, this account was transferred/ sold from one account to XXXX XXXX and i as a consumer is no longer by law responsible for this account after it has been transferred. Besides XXXX XXXX XXXX did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX did not verify my debt validation, and which shows XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. A bill without any form of verification does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX Acc # 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 record of conviction 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: Checking or savings account

On XX/XX/2023 I received a cashiers check for {$20000.00} I reached out to Chase bank and asked their policy. I was told that likely the check would be placed on a hold however the back office could release the check within a day or 2. Upon receiving the check I went to my local branch and prior to depositing the check I asked the teller about the hold times. She stated that it could be up to 7-10 business days but she would not know until she made the deposit. She also stated that once the system lets her know if I chose to cancel the transaction I could receive that check back. Once she processed the check she gave me a receipt indicating a release date of XX/XX/2023. She said to call the number on the bottom as they can provide more insight as to the time frame. I sat down at the branch and called customer service. The customer service representative explained I would have to call back today XX/XX/2023 and speak to a representative. He specifically told me that he assures me there is no need to cancel the transaction and once the funds can be verified today XX/XX/2023 they would be released. " I assure you XXXX XXXX we WILL resolve this for you tomorrow '' therefore leading me to believe this would occur. I called this morning and after XXXX transfers am now being told that they WILL NOT be releasing my funds to me in part or entirety until XX/XX/2023. It is pathetic for a financial institution of any caliber but especially of this caliber to take advantage of and mislead their consumers to believe once thing and do the exact opposite. 

Again, this is a cashiers check issued to me from an estate account as a result of my mothers death. Regardless of the hold I am familiar with The Expedited Funds Availability Act ( Regulation CC ) which has also been brushed to the wayside in this scenario. 

Once these fund are made available I intend to return to the branch withdraw every cent and close my account. I do not appreciate Chase representatives taking advantage of my lack of knowledge as a consumer and misleading me with fictitious bait and switch statements.
Product: Credit card

I am following up on my previous case that was closed because the credit card company said they refunded the charges, in a letter written to you. As i suspected, they did not refund the charges. please see attached bill. My previous balance was {$320.00} of which, Ive paid {$220.00} and right below that is the {$79.00} charge!!!!
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY DOB : XXXX SSN : XXXX Date : XXXX Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general it, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- The personal information is incorrect - please remove this from my credit report immediately Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, - This account is being reported inaccurately, please remove this from my credit report immediately Inquiries 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 This inquiry was not authorized, please remove it from my credit report immediately
Product: Checking or savings account

I made a payment in the amount of {$1100.00} to XXXX XXXX XXXX XXXX through online bill payment from my account at Capital One Bank. XXXX XXXX claims that they never received the payment. I am requesting that Capital One should reverse the payment and put the money back in my bank account.
Product: Credit reporting

Now that TransUnion LLC, has stated that they will readd XXXX of my auto loans XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX back to my credit report, they also need to readd the payment history for XXXX and payment history for XXXX I have never been late or missed a payment on XXXX. XXXX was paid off and closed XX/XX/2016 and XXXX is paid current with no missed payments this needs to be reflected as it was before TransUnion LLC removed these accounts illegally! In addition ALL OF MY POINTS THAT WERE REMOVED BY TRANSUNION LLC, when they removed these XXXX auto loans illegally needs to be READDED back to my TransUnion credit report immediately! All of this has caused me extreme hardship! I 've talked to customer service. reps repeatedly about this day in and day out over and over for 3 months trying to resolve this issue!
Product: Debt collection

To whom it may concern, I have recently been informed that there has been negative information reported by Wakefield and Associates ( based out of XXXX, Colorado ) to the Credit Bureau from the file they maintain under my Social Security number. Upon reviewing a copy of my credit report I see an entry listing that I owe {$1600.00} & a subsequent listing that I owe an additional {$230.00}. 

I challenge the accuracy, compliance and report-ability of these listings. Wakefield and Associates needs to validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file they maintain under my Social Security Number and removed from my credit report. 

In the letter to Wakefield and Associates I provided 30 days to complete their investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I will meticulously be keeping track of all actions, including methods of verification, and how Wakefield and Associates would of accessed HIPPA protected information as a third party. 

In my letter I do not consent to E-Oscar or any other means of automated verification that has clearly failed Wakefield and Associates. Automation is the reason why Im having to waste my time, defending my name and reputation. The automated system has caused me to have to go out of my way and fix these inaccuracies and defaming reports, and will probably lead to Wakefield and Associates losing another law suit. 

If this matter is not taken care of within thirty days of my certified letter, it will result in a small claims action against Wakefield and Associates for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, HIPPA Violations, and the list goes on. 

Wakefield & Associates has a horrible reputation for their acrimonious actions on every platform. The Consumer Financial Protection Bureau was created to keep companies like this from doing fraudulent stuff and attempting to take advantage of innocent people. I dont barrow money, I could careless about my credit score. I checked for the first time ever, just to do it after a friend I gave hard money loan to asked what my credit score was. Im XXXX because of the principle, either Wakefield & Associates has the wrong person, or knowingly is committing fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$600.00} ; XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Credit card or prepaid card

On XX/XX/2018 we asked for a balance transfer for {$1200.00} from credit card XXXX to credit card XXXX. The transfer was done to the credit card ending on XXXX, but the card ending on XXXX hasn't been paid until today. 

The problem is that now I have two balances open, please help us solve this problem, I have contacted the XXXX XXXX that issued the card ending XXXX, they always give me a different answer. I contacted them on XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX, they said that it could take 6-8 weeks for them to pay the other credit card ( XXXX ), the problem is that interest is accruing since then. 

I hope you can help us with this problem. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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  NEGATIVE 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 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 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 an account without my written instructions.
Product: Credit card or prepaid card

THIS IS NOT A NEW CASE. THIS IS AMENDED ISSUES THAT I AM HAVING FROM CLAIM # XXXX. Wells Fargo has their employees calling my cell number leaving messages to contact them, which i do and no one extension is working. XXXX calls me from the XXXX office and left this number XXXX for an extension of XXXX, everytime I call that extension it says that it is unavailable. why would a bank give out extensions that is not working. The other employee 's name is XXXX from the sage team at the bank. It is The Resolution Department which he gave me the number XXXX with no extensionwhom I have left messages and never call back. hopefully he will call me today. Wells Fargo has their employees lying and stating that the issue did not happen until XXXX when they without my authorization nor my knowledge place money into my checking account when I specificially told XXXX in the executive office and XXXX XXXX at the XXXX branch in XXXX, Ga. that I have my money back and the only issue Wells Fargo has is to cancel those cash advance fees and to reimburse my non- suffient funds that was charge against me. Now Wells Fargo is punishing me for their own mistake. no, I am not going to make the payments on the credit card in which they are charging me for my own money with interest and their money with intererst on the credit card., The card is over charged and until it is correct and the front and back of their XXXX XXXX # XXXX and XXXX. I have been requesting the copies since XXXX XXXX, no one will give them to me, The employees I have spoken to today is XXXX, XXXX, XXXX who has to give it to XXXX. This XXXX is telling me to send him all the information all over again from XXXX of XXXX to now because he does not know whta happen and he is going to deny any claims. although this jerk had the nerve to tell me what he has read is true, Wells Fargo does nothing but lie. This bank has taken my money and placed it on the credit card as a charge on them. I will not pay this corrupt bank my money. all the money they have stolen from me and have not paid it back.
Product: Consumer Loan

GM Financial somehow lost my {$300.00} payment that was sent to them in XX/XX/XXXX and/or XX/XX/XXXX. Their records indicate that I never made a payment ; I sent them my statement from that time period that confirms that they did indeed receive and process the payment for {$300.00}. I contacted them in XX/XX/XXXX to resolve this, and no one has done anything so far. Everytime I speak to someone over the phone or via email, I am told that management is looking into it. It has been almost 3 months. This needs to be handled ASAP. My loan had an original payoff date of XX/XX/XXXX, but now it shows that I owe {$1000.00} in late fees that never should have been there. I paid my bill on time every month. They need to locate this missing payment. It was taken out of my account and processed by them, and they refuse to acknowledge this. This loan is showing negative marks on my credit as well as a leftover balance of {$1000.00} due to GM Financial 's error.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXX EST i woke up to find my cash app account to be closed due to violating terms of service and cash app won't give me a reason why my account was closed and they didn't send me an email or a text message to give me ample time to withdraw the remaining funds i had in my cash app account, i had XXXX $ remaining in my balance, being that my account was closed I was unable to use my cash app card to withdraw the funds that were remaining in my cash app account, so I transferred the XXXX $ from my cash app to an external account which would be my XXXX account and cash app charged me a XXXX $ transfer fee so the total amount that was transferred to my XXXX account was XXXX XXXX so i immediately checked my XXXX account to see if the funds were available in my XXXX checking account because it was an instant transfer well it just said pending unclaimed transfer on my XXXX account and I canceled it so the funds would go back to my cash app account ; but my cash app account is closed so the funds that XXXX reversed back to my cash app account won't be able to come through because the cash app account is closed. There is no money in my cash app account and there is no money in my XXXX account and I have contacted XXXX and they have confirmed the transaction has been canceled and I have screenshots and transaction ID numbers providing proof that the funds were canceled and the funds were never received. The XXXX $ should of been returned back to my cash app but cash app is stating that the funds won't show up in my account because the account is closed. Both paypal and cash app won't help me and I have spoken to the branch manager. The XXXX $ is floating around somewhere and that was all the money I had to my name to use for gas to put in my car and food because I just got hit with Hurricane Milton and my town is devastated. I do not know what to do about this situation and I have all the screenshots and proof of everything including the conversations with Cash app and XXXX. I even did alot of research and have read that cash app is able to temporarily reopen my account so that I can recover my funds but cash app is refusing to do so.