23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

My lease with GM was due to end in XX/XX/XXXX. I needed to turn it in early and was willing to pay the additional months that were still left on the term. I turned in the lease in XXXX. On XX/XX/XXXX, I called GM Financial to confirm that the account was closed. Upon confirming this, I was also told by the representative that I would be receiving a refund, which was unexpected. About XXXX months later, in XXXX, I received a bill for {$900.00}, with no explanation of what the fee was for. Since then I have called GM Financial and have requested a detailed invoice be sent to me. I have been told everything from " we can't email you one because your account is closed '' to " we will send that right out ''. I finally received a letter from this week and alas, it has no information about what I am being charged for. I am not being unreasonable in asking for an explanation of what I am paying for. At this point, they have now reported my payment as late which has dinged my credit, which is the reason I am making the complaint. I have tried to resolve this many times with the company and they are unwilling to work with me. I even tried to file a digital request today via their complaint system and it would not let me.
Product: Debt collection

I have agreed to settle my XXXX XXXX debt for a single payment of {$1000.00}. I have documentation supporting a single-payment transaction. Midland Credit Management debited my account twice for {$1000.00}, leaving my balance at only {$89.00}. I contacted MCM on Sunday,XX/XX/2019 and a supervisor advised me that they were experiencing a glitch in the system. He assured me that the funds would be returned to me in 48-72 business hours. The supervisor stated that I can call the following business day to confirm when the funds would be returned. I called MCM again on XX/XX/2019 to advise them that both transactions officially cleared from my bank account and I still have not received a refund. I then spoke to a new supervisor who advised me that they are trying to fix the issue and it can take up to 30 business days. I informed the new supervisor that this was not the information I was given two days ago. He just apologized and said that there was nothing he can do. I requested to speak to a manager. I waited on hold for 15 minutes to be told that they would look into it. I agreed to a single-payment of {$1000.00} and was ripped off an additional {$1000.00} with no guarantee that the funds would be returned. I am currently XXXX weeks along in a high-risk XXXX on bed rest.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I emailed Transunions corporate headquarters about improper and unfair credit reporting and asked them to remove the debt after showing them a summons. 

Transunion proceeded to block me from accessing my account to view my credit info and dispute. They did this the same day I received a response from corporate asking for my social security number. Now Transunion is saying my social security number was being used by someone else which is why I can never use them again! 

I received no notification about this issue and Transunion is refusing to fix this issue. Ive reached out to a law firm in PA who has stated Transunion has started to block consumers and will stop reporting on them when they complain to them or file disputes. This is a common occurrence where they will prevent you from even having credit with them. 

I want my account restored and my credit score updated as I had paid off a debt from XXXX XXXX and they had to request for deletion twice because Transunion isnt updating scores on me since XXXX of XXXX. That deletion was submitted XXXX.
Product: Checking or savings account

On XX/XX/XXXX I opened an Everyday Checking Account with Wells Fargo Bank. I deposited {$1000.00} on XX/XX/XXXX via an electronic transfer between Wells Fargo and XXXX Bank. After confirming with their CSR on XX/XX/year>, that I conformed to all of their terms and conditions to receive a {$300.00} bonus if I left the account balance of {$1000.00} for 90 days. The account has been left alone with the {$1000.00} for over 120 days now and we have not received the {$300.00} bonus. The CSR that we talked to on XX/XX/XXXX from Wells Fargo Bank contradicted their prior CSR and said the deposit must be an ACH deposit.
Product: Debt collection

After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my XXXX account for renewal due in early XXXX. After discovering that XXXX paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my XXXX account, then I removed all my personal information from the site and never used it after that incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent out a letter to XXXX XXXX, XXXX  and Experian, notifying them that after checking my credit report there were several inaccuracies being reported of late payments. I requested they validate the information and provide me with copies of any documentation. After receiving no response after 60 days I sent a 2nd letter on XX/XX/2020 demanding to follow up. I still have yet to receive any validation or proof of an investigation or investigation method.
Product: Student loan

I relieved a notice by mail this week, letter marked XX/XX/XXXX, that my PSLF application was reviewed by MOHELA and found to be incomplete. The documentation I submitted was complete and accurate following the directions put forth by XXXX XXXX XXXX XXXX. The PSLF process for service members does NOT require XXXX OR PAYSTUBS be submitted for every year served in the XXXX. A XXXX and statements of service to MOHELAXXXX are sufficient according to regulation. I am not missing information so you need to process my application with the complete and accurate information you have in your possession. Stop making department XXXX XXXX employees, service members, go through additional hoops to get the forgives they deserved. I filled my orders and instructions to the letter of the law and its time your company did the same. You state in your letter you were unable to determine that my employer- the UNITED STATES XXXX is an eligible public service organization. ( What? That makes no sense unless the person who was reading and processing my application was a complete and utter XXXX. ) Fix it.
Product: Credit card

XX/XX/2024, I notice a charge from ticket master and reported to them, they gave me a complaint number several times and no one ever called me bank. I then called PayPal the same day and reported it. The charge was made in new jersey for a championship soccer game for over {$900.00} using my PayPal acct. I've been calling and trying to get this resolve since XX/XX/2024, but PayPal bank Synchrony keeps doing an investigation and findings are that I've made the purchase. I've explained to them month after month that it was fraud and I'm not responsible and didn't do make the purchase, nor did I share my acct with anyone. This could have been stopped before the criminal accessed the tickets because I was calling all parties as soon as i got the notification email way before the date of the event. I even notified them of an online chat where the criminal was trying to get the tickets. I change all passwords right away so why I'm I still going through this. This has been a nightmare month after disputing this and causing my credit score to go down etc.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposits ( 3 ) from my employers and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX, and Transition numerous times in regards to the blatant of inaccuracies listed on my report by the following institutions XXXX XXXX XXXX XXXX of these institutions have reported on my credit report that I was late on payments : XXXX XXXX XXXX XXXX reported that I was late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. Most of these instances happened during the pandemic which I requested that XXXX defer these payments while I was experiencing financial hardship as a direct result of the pandemic. In XXXX, I requested deferments timely due to experiencing financial hardship. All of these times, I reached out to XXXX and requested deferments timely and was told that these deferment requests would not cause them to report to the credit bureaus that I was late. Considering XXXX, did not follow those statements made on a recorded line, I requested all documents as it relates to those requests as required by law. XXXX never responsed to my requests or completed an investigation. All credit bureaus never responded to my requests for results of their investigation via mail.
Product: Credit card or prepaid card

I have a Capital One business account. There have been no late payments. The account is usually paid in full monthly. The credit line has been {$30000.00}. They lowered the credit limit to {$10000.00} on XX/XX/XXXX with no advance notice citing lack of credit utilization. I contacted them on XX/XX/XXXX when I received the letter. The call was escalated to two levels of management. I advised this reduced credit limit had lowered my credit score. He stated they were aware and this was an intentional decision. I questioned if he just stated that Capital One made an intentional act to purposefully reduce my credit score - and he stated yes this was done intentionally and we know it reduces your credit score but this is a business decision and it is in  the contract that we can do this with no advance notice. I can not fathom how a company can intentionally cause harm to my credit with no advance notice and this be legal, regardless of some fine print that may or may not be in a contract. This was a willful and intentional act to cause harm to my credit which I take very seriously. I would appreciate your assistance. 
Thank you
Product: Credit card

I am filing a complaint against XXXX XXXX and XXXX XXXX Bank regarding the closure of my account on XX/XX/year>. The account was closed after it was reported that the account was not mine, which is incorrect. I contacted XXXX to report this issue, and they informed me that my account would be reopened. However, despite this assurance from XXXX, XXXX XXXX Bank is refusing to reopen my account. 

XXXX has confirmed that the charges on the account are mine, yet they continue to keep the account closed without providing a clear or reasonable explanation. This situation is highly frustrating and doesnt make sense given the verification of the charges and XXXX XXXX to reopen the account. 

I have made several attempts to resolve this matter with XXXX and XXXX Bank, but they have refused to take action. The closure of my account is causing significant inconvenience, as I am unable to access my purchase history, rewards, and account features. 

XXXX XXXX : I am seeking the immediate reopening of my XXXX account, as I am the rightful owner and there has been no fraudulent activity. I also request a thorough explanation for the initial closure and the refusal to reopen the account despite the confirmation of my identity and the charges.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company information 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 XXXX
Product: Bank account or service

I am being charged about {$12.00} per month because my bank account balance is quite low. That wealthier customers do n't have to pay this fee is a clear example of price discrimination. Such discrimination has no other purpose than to extort money from those who do n't have the ability to fight it.
Product: Vehicle loan or lease

Notice to Correct Credit Report To Whom It May Concern : Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items and that the inaccurate items be deleted from my record.

Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes a reason to drop the information from my file.

Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter.demand the following statements be verified or removed immediately. 
Sincerely, XXXX XXXX Name of Account Account Number Provide Physical Verification Creditor XXXX  XXXX XXXX CLOSED XXXX  XXXX XXXX CLOSED XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX  Original Creditor XXXX CLOSED XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXXXXXX CURRENT PAID XXXX XXXX XXXX XXXX XXXX CLOSED XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX CURRENT PAID XXXX XXXX XXXX XXXX  Original Creditor XXXX XXXX XXXX PAST  XXXX XXXX ( REMOVE ) XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX 
CLOSED SANTANDER CONSUMER USA XXXX CLOSED / PAID OFF XXXX XXXX CLOSED XXXXPAID OFF XXXX XXXX XXXX XXXX CLOSED /PAID OFF XXXX XXXX XXXX CLOSED /PAID OFF INCORRECT Addresses- ( PLEASE REMOVE ) Address ID # XXXX ONLY ADDRESS ( CURRENTLY ) Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT Address ID # XXXX INCORRECT
Product: Checking or savings account

My aunt, XXXX XXXX, who has been diagnosed with the beginning stages of XXXX has an account with Wells Fargo that she has had for over 15 years and she has been given access to her funds without valid and current identification and now she is losing money after she is allowed to withdraw it from her account. She was issued a new account to transfer her XXXX XXXX XXXX into where she has total access to her monies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an unpaid collection account for {$1500.00} on my personal credit report. I contacted them to inquire about the debt and was informed that the charges are somehow related to an apartment rented by my ex-boyfriend, XXXX XXXX XXXX. 

During my conversation with the agent, which would certainly be considered a " communication '' as defined under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692a, I was not given the mini-Miranda as required by the Act. I explained to the agent that I temporarily resided at this apartment with my then boyfriend, but that I had no contractual obligation under the lease. However, the agent refused to accept my dispute for investigation. I then requested validation of the debt ; asking that they provide me with an itemization of the balance being charged and some sort of documentation showing my own contractual liability, such as my signature on the lease. The agent refused to honor my request, told me to call back when I was " ready to pay '' and hung up on me. I've sent a written request for this same validation yet they have continuously refused to provide it, in violation of 15 USC 1692g 809. 

Further, their refusal to adequately investigate my dispute, while continuing to adversely report it to the credit reporting agencies, is a blatant violation of the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and its subsequent amendment, the Fair and Accurate Credit Transactions Act of 2003 ( FACTA ). Under these Acts, I have the right to dispute inaccurate information and the data furnisher has an obligation to investigate that dispute. Inaccurate or unverifiable information must be corrected or deleted by the furnisher. XXXX XXXX XXXX continues to refuse me these rights as required by law. 

This is not my debt. This apartment was rented strictly in the name of my ex-boyfriend, XXXX XXXX XXXX. I never signed any lease for this apartment and have no contractual obligation for this debt if it is even legitimately owed ; which still has yet to be determined. 

My attempts to correct XXXX XXXX 's records and restore my credit with regard to this item have been in vain. Research on this collection agency shows that they are not an active member of XXXX XXXX, nor an accredited business with the XXXX, and that their standard XXXX  complaint responses are both dismissive and uncooperative ... so I guess my failed attempts are not surprising. I have also attempted to remedy the situation by filing indirect disputes directly with the credit reporting agencies, themselves. However, XXXX XXXX continues to verify the information as accurately reported without conducting a proper investigation. 

My hope is that the CFPB can assist in getting this resolved before I'm forced to engage legal counsel and pursue this matter through litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint : ( XXXX Bank XXXX XXXX XXXX XXXX Bank account # XXXXhas violated XXXX U.S. Code XXXX - Communication in connection with debt collection ( b ) Communication with third parties Except as provided in section XXXX of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I have NOT given permission for ( XXXX Bank XXXX XXXX XXXX XXXX Bank to communicate, transfer or sell information to any other company or third party/debt collector, therefore it is a violation of XXXX U.S. Code XXXXsection b. XXXX, Transunion, and XXXX XXXX must remove XXXX information reporting from and relating to ( XXXX Bank XXXX ) including third party debt collection accounts associated with ( XXXX Bank XXXX ) because the account and information has been transferred and sold ILLEGALLY according to XXXX U.S. Code XXXX c-section XXXX.
Product: Money transfer, virtual currency, or money service

This unfortunate event happened on XX/XX/2018. I was going to buy two tickets for a hockey game from a post from XXXX for {$120.00}. The seller was originally selling four ticket for {$100.00} each, but I only needed two and we agreed on {$120.00} for two tickets. The guy said he was going to transfer me the tickets to my flash-seat account, so I gave him my email address so he could transfer the tickets. I sent the money through XXXX to a XXXX XXXX XXXX account from my Wellsfargo account. In order for me to transfer the money I needed his name and phone number. So the money was sent and no tickets were received. It was a total scam, I tried calling him multiple times and it turns out that he blocked me and the number he gave me was a temporary number, like the ones that you can get online. I called my bank multiple times and was told that the money had already been paid and that they could not do anything. I called my bank the next day again and I was able to open a claim and per Wellsfargo they could not refund me the money and that the money was paid out to a person with a different name and not the name that I was given by the scammer. I don't know how that happened that the money was received by a different account holder name. I did not think that the money could be deposited to an account with a different name. I thought the name had to match and the phone number, but I guess that was not the case. If what I was told by Wellsfargo was correct that the name is not the one that the scammer gave me, I think that person should return me my money. I think that's illegal for someone to keep a money that doesn't belong to them. I also submitted a complaint to XXXX and off course they never responded. I called XXXX and they could not help me, they told me that my bank ( Wellsfargo ) needed to help me. I submitted a police report and they could not help me. So I am not getting help form anyone. I think that either XXXX XXXX  XXXX or Wellsfargo need to give me my money back. I am not happy with Wellsfargo because if they are offering me a service they need to make sure that their consumers are protected either by you ( Wellfargo ) or by XXXX. Wellsfago needs to make sure that there are consumer protection regulations in place and fraud protection with the service that they are offering ( XXXX ). After this incident happened, I did my research and it appears that a lot of the fraud is happening between Wellsfargo and XXXX XXXX XXXXXXXX, also 90 % of the transactions that are done through XXXX are fraud related. Something needs to be done immediately. I felt confident that since my bank was offering a service that they have done all their due diligence to protect the consumer. This can not happen anymore, this needs to stop. I thought I could trust Wellsfargo, but I don't think I can anymore. Yes, I learned my lesson not to send money to anyone through XXXX if I don't know the person. But I would like a full refund on my transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account reported on my Transunion credit file own XX/XX/XXXX. I responded to the dispute XX/XX/XXXX. Transunion later, way past the 30 days responded with a letter saying the account had been verified. I then responded with a followup letter XX/XX/XXXX asking for proof of this verification which was ignored. Send a third letter asking again for verification of this co called investigation and still have yet to receive any.
Product: Checking or savings account

Transaction amount {$8800.00}, posting date XX/XX/2021. It is complaint proud .we have charity account in Bank of America .so with out any authorization the bank withdrawal {$8800.00} .we reported for bank of America at that time but still know we didt get decision .so please we need the CFPB help.