23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a credit card is a no fee card, but I have been charged {$59.00} a year for 4 years. I called and was unable to speak with a supervisor. I cancelled the card. They stolen money! This is illegal
Product: Credit reporting or other personal consumer reports

I was the victim of identify theft. I never opened any of the accounts on my credit report. Ive tried to resolve this problem. The person that opened these accounts were paying them up until XXXXXXXX XXXX XXXX. I have never made a payment on any credit card because i didn't know they existed until XXXXXXXX XXXX XXXXXXXX. Some go back as far as XXXX. I did not have a job from XXXXXXXX XXXX XXXXXXXX up until XXXX so i wouldn't open any accounts
Product: Checking or savings account

Capital One 360 Checking account allows unauthorized holds to place duplicate debits on my account. On XX/XX/23 XXXX transactions with XXXX now appear as duplicate pending authorization holds while transactions have posted and cleared already. There is no need to place a duplicate debit on the account on the following day and for several day after transactions have already completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Credit Report. 
I choose to opt-out of your disclosing future information until further notice including the any access to my personal financial ID and SS #. 
This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. I have several errors on my file from my addresses name and unverified account. Fist up My accurate and only name is XXXX XXXX XXXX please remove any other variation of my name. Please remove the following SS XXXX it is not mine SS # my correct SS XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX please delete/remove the following XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX PLEASE OBTAIN VALID ADDRESS XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Duplicate Reporting XXXX XXXX XXXX XXXX Portfolio Recovery Associates To Whom It May Concern, I am formally disputing the reporting of XXXX XXXX XXXX on my credit report. This account has been sold to Portfolio Recovery Associates, and per the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), an original creditor may not continue reporting an account once it has been sold to a debt collector or another entity. Since Portfolio Recovery Associates is now the legal owner of the debt, XXXX XXXX XXXX reporting is inaccurate and must be removed.

Under FCRA 15 U.S.C. 1681i ( a ), I request an immediate investigation into this duplicate reporting and the removal of the XXXX XXXX XXXX entry from my credit report. Please provide a written response confirming the resolution of this matter.

Failure to comply with this request will result in further legal action, including but not limited to filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies as necessary.
Product: Vehicle loan or lease

I spoke with capital one and asked if they where willing to help me with a program they have or modify my loan I just started working I offered to pay but they no longer want payments they want the full amount know my situation I explained my situation when I did not have a job they where willing to help left and right even tho I wasnt able to make a payment so I fell behind {$8000.00} so now that I started working I asked them if there willing to take a payment because I want to keep the car. Its the only way I can get to work and take my children Take them to school and doctors appointment we need it and go grocery shopping. Capital told me that they wanted {$30000.00} or give it up will me so they can auction the car and then have to pay the remaining so I told him you guys are willing to help. I have no money on me programs but Im offering to pay so I can get caught up and youre not willing to help.
Product: Debt collection

I'm unaware of this debt. I didn't have an opportunity to dispute this information. If in fact you believe you gave me proper notification, then please send me the certified receipt with my name, and signature.
Product: Mortgage

I, XXXX XXXX XXXX am filing this complaint in order to report deed fraud against my property at XXXX XXXX XXXX, XXXX, XXXX XXXX. My mortgage was with IndyMac Loan Services and I started a Loan Modification process with them over 5years ago because my financial status changed and Indymac assured me that if I filled out their Loan Modification application along with my hardship letter and other requested documents that they would help me figure out a solution or give me other options. However, IndyMac never completed my Loan Modification and took a very long time in the process and never communicated with me on the status of my loan modification and then through a lot of late notices after the fact through the courts I found out that my house was foreclosed and yet I was n't served at any time much less given upfront notices or warnings. I never signed any papers or documents much less any waivers and now once again I am facing eviction due to all of the above. In addition, my name was fraudulently taken off my deed, my water bill, my XXXX XXXX bills in which I paid for over 9 years. I was n't served properly and my house was taken away from me and I had no way to turn to and no help because attorney wanted {$2500.00} up front to take on my case. My house was taken away from me without any prior notices and my Section 8 tenant subsidy was also taken away from me by XXXX XXXX XXXX XXXX. Other lenders including XXXX and XXXX XXXX were also involved and still involved because the bills they had taken out of my name including my deed still comes to my house. I want to file deed fraud against all of the above parties. The rent that I collected from my Section 8 tenant was {$1500.00} and yet none of this money was applied to my balance and was taken away from me over 5 years ago as well. This is my true and correct statement to the best of my abilities.
Product: Mortgage

We applied for a loan modification and completed our 3 trial payments in a timely manner. Our final documents for loan modification were mailed in late XXXX, and we paid for a notary to complete service. PennyMac advised they sent incorrect documents due to minor capitalization error several weeks later, and the sent a mobile notary due to our inconvenience. Here we are 2+ months after the loan modification should have been finalized and Penny Mac sent revised documents due to another internal capitalization error and is refusing to send out a mobile notary for us to sign. I have contacted PennyMac over the phone at minimum 2x week over the past 2-3 months to ensure we are current and no additional action needed on our end. Their loan modification department is a mess and unable to properly advise.
Product: Credit reporting

Why is getting TransUnion to investigate something impossible? This is my 4th request sent certifeid. I do n't know why I must spend so many countless hours on this. It feels like they are n't even actaully reading my letters. 

I do not wish to file a lawsuit. 

See attached.
Product: Debt collection

Synchrony Bank is trying to collect a debt from XXXX XXXX XXXX for {$350.00} and I have repeatly asked what, when, where this charge ( s ) occured. This popped up when I was informed by XXXX mail that my information had been leaked. Suddenly, I am getting texts, phone calls, and received a package in the mail from XXXX which tells me that the number is not theirs. Two of my XXXX XXXX credit cards had to be replaced and one had to be closed because of suspected theft. No one is answering my questions and I have clearly stated my concerns of fraud, but without resolve. I do not believe this charge belongs to me.
Product: Checking or savings account

To whom it may concern, On XX/XX/2021 I visited XXXX around XXXX, the server was friendly and courteous. I ordered the chicken basket, fish basket for my spouse, a XXXX drink for me and a beer for my spouse. The service was good, however when I got home I started feeling stomachache and I started having XXXX  for two days. At the moment of service and when I left the restaurant I was feeling great and didnt have any stomachache or pain. I contacted XXXX through XXXX and XXXX XXXX from customer service replied to my concern and she didnt wanted to accept responsibility and as you can see in the screenshot I provided she ignored my complaint and didnt not responded back to me. Its outrageous thats this restaurant takes to much pride to accept their mistakes and the fact that I was ill for two consecutive days after consuming their food. I would not pay for a service or food that got me sick. I created a claim with Bank of America and I was provided a credit, however I received a letter today to the message center that states that the transaction is valid and that Bank of America would remove the issued credit. The transaction is valid in fact, I never said otherwise. My concern is that after I went to this restaurant I started having stomachache and I had XXXX  for two consecutive days. I have been to numerous restaurants in the past and I have never had any problems like I had at this restaurant. I was reviewing the reviews when I started feeling sick and I wish I had done that before. XXXX XXXX responded to my message and stated that they have never received any complaints for their food and I attached several reviews of complaints regarding health food issues at this location.Thanks for taking the time to review this matter and I just want my refund. 

Respectfully, XXXX XXXX
Product: Checking or savings account

I have discovered that there are a group of employees linked to XXXX and XXXX and other groups that have illegal access to my safety deposit box. These employees removed identification documents including my Passport in order to cause a data breach. The data breach was filed and delivered to XXXX via special access with the XXXX with their bump informants and the FBI. My data was reported to be exposed on the dark web as a breach facilitated by the XXXX cell phone company. I never used XXXX and confirmed this with XXXX XXXX I never had a XXXX account. This group of individuals has entered into an illegal course of action known as a civil criminal racketeering conspiracy against me to cause this plaintiff issues and also be illegally linked to my identity. They are also using my identity documents to establish an illegal identity for an informant and provide illegal accounts and deals for them. These individuals are members of the XXXX XXXX and other individuals who have been perpetrating this against this plaintiff for over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry is fraud. This is in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 
XXXX Inquired on XX/XX/2022
Product: Money transfer, virtual currency, or money service

I sent some money to my Father on the XXXX of XXXX using Remitly, i provided all the necessary information needed to send the money. On the XXXX, I was told by Remitly that the money has been delivered. I called my father to confirm only to discover that he hasnt received the money. Its been almost a week and I have been trying to get in touch with Remitly but they keep stalling me telling me that they would resolve the issue and call me back but I havent received any call from them. I provided all the necessary information like my fathers bank statement showing he hasnt received the money. I worked so hard in the US to send money to support my father and I feel I have been scammed and cheated of my hard-earned money! Help I would like the department to help me in retrieving my money back. Its a lot of money! Over {$2000.00}. Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX. United States. 

Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer.

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter.

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

Unknown charges has been applied to account other than the mortgage payment info. These charges are called " Outstanding Principal '' and " Deferred Balance ''. Doing some research I found that these balances are actual legal fees that I know nothing about or how I got them. It appears it occurred when the original loan provider sold the loan to " Shellpoint '' or doing some acquisition process. This fee is separate from the principal balance.
Product: Debt collection

CONTACTED XXXX XXXX XXXX  ABOUT THIS DEBT IN THE AMOUNT OF {$340.00}, THIS DEBT IS NOT MINES, COMPANY REFUSED TO SHOW PROOF OF RESPONSIBILTY OF DEBT, I WILL LIKE THIS DEBT TO BE REMOVED NOW FROM ALL THREE CREDIT BUEARUS ASAP. FALSE UNATHORIZED INFORMATION IS LISTED ON MY CREDIT REPORT.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX, at XXXX XXXX I attempted to withdraw {$250.00}. None of my usual tellers were available and I was beckoned to go to a teller sitting at the far right. I did my transaction and left the Ace check cashing store with the money still in hand, after which, I handed the money to my father and as he counted it he said there was {$40.00} missing. I counted the money, now for the first time, and found he was correct. I went back inside Ace and informed the teller that I was missing {$40.00} from my withdrawal. The teller told me that she counted her draw and it was only XXXX cents over. I went back outside without the missing money and my father took the money and went into the store. The workers there told him they counted the draw. My father asked a few times was there nothing that could be done because he watched me leave the store and directly was handed the money received. Finally, they said they called the supervisor who reportedly said there was nothing they could do. When my father got home he called the main telephone number for Ace and was told that the district manager would look into the problem and if not, a vice president would handle the situation. Many calls later no one has called my father and I will list some of the reference numbers given when Ace was called. The fact that the teller who handled the transaction said she counted the money out twice can only mean she stole the money and the lack of response from Ace makes me feel there is a conspiracy to commit fraud along with the theft. I have never had a problem with this transaction in the past. I even had a customer in the parking lot who, when hearing my disgust with the situation, tells me that he won't go to that teller even if he has to wait. 
Some reference numbers for calls : XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX, XX/XX/XXXX-XXXX. Ace Cash Express, # XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. Ace customer Service XXXX XXXX. Cash disbursed to me was {$210.00}. I only wonder how many times this has happened to others.
Product: Checking or savings account

My CD account was matured in XX/XX/XXXX. Then There was a period of 10 days for me to give a instruction to renew or not. I called TIAA BANK and told them to close my CD account and transfer my money to my account in other bank first time in XX/XX/XXXX. And I sent a firm with account detail information by email to TIAA BANK in XX/XX/XXXX. But they didn't process my requirement and renew my CD account for another 5 years. Then the bank manager told me that there would be a penalty of about XXXX dollars if I close my CD account. The CD amount is about XXXX dollars. 

The TIAA BANK specialist, XXXX XXXX got my phone call and the filled form of transferring money from my CD account of TIAA BANK to other bank in XX/XX/XXXX. 
I thought she had processed my instruction But she postponed my instruction and hold my money in TIAA BANK. I sent the form twice to her by email at that day. 

As there was not any feedback, I asked her to process my instruction and sent the form twice by email in XX/XX/XXXX again. I still thought she had already processed my instruction but still did postpone my requirement. Later, she told me she had already transferred my case to other colleagues to process it in XX/XX/XXXX. 

As I still could not see my money transferring, I called TIAA BANK again. An operation consultant of TIAA BANK, XXXX XXXX, ( She is a lier ) told me there would be a penalty of XXXX dollars if I closed my CD account. I told her I sent my requirement before my CD renew. She said she would talk to her manager, XXXX XXXX, about my case, and she promised to call me back in 30 mins and send me an email at same time to tell me the result. BUT, she did not call me back and send email. I waited for her from XXXX XXXX to XXXX XXXX, my local time. When I sent an email to her to ask why later she said she forgot!!! 

I called TIAA BANK again. XXXX XXXX, a lead consultant, rudely told me there would be a penalty if I close my cd account.
Product: Credit reporting or other personal consumer reports

I was shocked to see incorrect accounts on my credit report today, and I have no idea why they are there. As part of my routine, I check my report frequently, but this time, I encountered discrepancies that I wasnt expecting. I even refreshed my browser, thinking it might be a temporary issue, but nothing changed. For this reason, I request a careful review of the documents I have provided to ensure I wont have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to experian a number of times to get my information on my credit report corrected. I am tired of going back and forth to have correct information updated and removed that is inaccurately reporting. 

There is a bankruptcy that is inaccurately reporting that needs to be removed. I have attempted several times to have the information removed and have yet to have it corrected. I know the information is not reporting with XXXX XXXX like Experian advises time after time in letters sent. XXXX XXXX does not have any record of a bankruptcy an this information needs to be removed from my public record sections. 

I also have inaccurate inquiries reporting that need to be removed I did not apply for credit these are inaccurate. I am not going to the creditors to ask for removal since I never applied Experian is reporting and experian needs to remove the following inquires XXXX-XX/XX/21 IXXXX XXXX Comp XX/XX/XXXX Factual Data/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : I have disputed the following inquires with XXXX  and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  Mortgage XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX I have disputed the following inquires with XXXX and have not been helped per the FCRA if information is reporting inaccurate it needs to be removed the following creditors did not have my permission to pull or access my credit reporting causing inquiries. I am not reaching out to them directly XXXX is the ones reporting and the ones that need to make a corrections to these fraudulent inquires XXXX  XXXX XX/XX/XXXX Factual Data XX/XX/XXXX Informative XX/XX/XXXX XXXX XX/XX/XXXX Datafacts XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Factual Data XX/XX/XXXX XXXX XXXX  XX/XX/XXXX Factual Data XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XX/XX/XXXX
Product: Mortgage

This was a VA loan and they overcharged on the fee for points according to VA. They took almost 3 months and complained they had too many other customers to take care of my application. I was also told I would have 2 months with no payments with new bank and the loan did not close until XX/XX/XXXX and the payment was due to XXXX by XX/XX/XXXX so I had to pay as I promised to pay according the the Home Modification Program. I have called and tried to explain what they did but was told I got a good loan and to have a good life, they are done with me. The loan application was started XX/XX/XXXX and completed XX/XX/XXXX, they knew I was leaving the country on XX/XX/XXXX for 2 weeks so I could not do anything about it.
Product: Mortgage

i wanted to retire and my retirement income was going to be {$XXXX} less than my regular income.I was transferred from one bank to a new one. I had tree options to make my payments and I was paying at the new bank when the I consulted cashier told me that they could not take my payment.I consulted an attorney who informed me that they will reduce my payments to a lower amount.After three years and paying them {$3500.00}, and not making payments at all, I was referred to another attorney who recommended CHAPTER XXXX to save my house from being auctioned.I have contacted the new bank and sended all the requested documentation and I was told that I was making too much money and to request a modification after my retirement which I did thee months ago and resubmitted my request now they are telling me that I do not qualify because I do not make enough money.