23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is in connection with # XXXX-XXXX. I'm sorry I didn't respond within the 60 days but the issue hadn't been satisfied and really still isn't. I've attached a copy of the correspondence mailed to Capital One today, requesting my account be closed. I never received copies of the last two statements. I don't intend for you to pursue this farther, I just wanted it on records that they didn't satisfy my requests.
Product: Mortgage

On paid and additional Principle payment to Wells Fargo on XXXX and it posted to my accound {$140.00}. This lowered my account balance to {$430000.00}. However, when my loan transferred on XXXX the balance was {$430000.00}. I contacted Wells Fargo who indicated that the money was transferred to XXXX and that they could do nothing. I then contacted XXXX who told me the issue was on Wells Fargo. My money now is in an unknown area and no one can help me. Ive spent over 16 hour on phone calls to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my dispute with certain inquiries on my credit report that I believe to be inaccurate and unauthorized. Upon reviewing my credit report, I noticed several inquiries that I do not recognize or recall authorizing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I returned two florescent light tubes to XXXX XXXX in XXXX, MO for credit and I received a credit of {$18.00}. My next billing statement indicated two credits for that same amount, but I believe only one was valid. 
On my XXXX, XXXX statement, I noticed two strange entries : XXXX Trans Bal Between XXXX ( XXXX ) and each was for {$18.00} I called the credit card company and asked what this was all about and was told that they reviewed the account and to make it balance they reversed both credits. This was about ten months after I returned the light tubes. What a delay! 

Since I called, I have had no satisfaction nor do I understand why they reversed both credits. I have made numerous attempts to resolve this, but no success. Perhaps one was a duplicate, but certainly not both.
Product: Checking or savings account

Bank is in breach of cardholder agreement. Bank is holding cardmember liable for fraud charges. Police reports filed. Protection order in place. Bank is tampering with accounts and restricting them not allowing consumer access to funds. Bank is rejecting direct deposits and keeping the money for them self. Bank has stolen money out of consumers savings account, and refusing to release
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, i reached out to coinbase and coinbase pro support asking for assistance with crypto that i had gotten access to especially since its now involved with my accounts. I had honestly thought it was a donation or an inheritance from an old friend of mine named XXXX XXXX XXXX. Honestly the minute i noticed the crypto and how much it could convert to i was just astonished. I dont know how to convery crypto or safegaurd it or even just transfer it into my own personal wallet so i know it would be protected. But unfortunately within the next couple of weeks after sending the first email to coinbase, i only got responses saying they are either going to close my case or they are going to merge it with all of my other inquiries. Unfortunately throughout this time someone had compromised my phone number and was able to receive the two factor auth codes without physically having access to my device and ended up resetting my passwords and changed my phone number so i lost access immediately. This happened maybe a couple days after i first mentioned a possible hacking. But im disappointed i havent heard back ever since i first reached out to them in may and it is now XXXX. But yeah hopefully something can be done about this issue. It really wasnt my fault for losing access. I tried my bestto safegaurd it all but coinbase just left me on read basically and has not since responded. I even tried to do the recovery and id verification. Have not heard back at all. Im Very disappointed
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. As a victim of a data breach, I believe these accounts and inquiries were opened without my authorization. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this inaccurate information removed from my credit file. 
Fraudulent Accounts : XXXX Account # XXXX Opened XX/XX/XXXX Balance : {$2300.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1300.00} XXXX  Account XXXX XXXX Opened XX/XX/XXXXXXXX  Balance : {$740.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX account and immediately got hit with outrages fees and tried to close it. XXXX refused to close it ( I have emails where they refused ) and now its a negative mark on my credit report that they wont remove. They never loaned me any money! They just took money from me and kept it. I shouldnt show a loan that I didnt receive on my credit report! Thats not fair!
Product: Credit card or prepaid card

Have been a Chase Southwest Rewards cardholder for years now with little to speak of regarding complaints. That being said I've only recently used their rewards services. I booked a trip to XXXX XXXX in XX/XX/XXXX ' using their rewards site. What they don't tell you is that the hotel reservations are made thru a third party XXXX and EVERYTHING is to be done regarding that reservation with that site. My problem began with XXXX  not sending me a confirmation email which provides both a confirmation number and PIN number for your reservation. I waited weeks and didn't receive it so i attempted to dispute the transaction because i had no way of determining the reservation was performed with the XXXXXXXX. The representative told me i need to get a hold of XXXX in order to get a cancellation. I tried every single avenue there was to get in tough with them and it its literally impossible without that pin and confirmation. Called the dispute team back and they then managed to use a merchant number to reach a person at the XXXX to attain the confirmation number. I then tried to cancel the reservation again but still didn't have the pin number in order to speak to anyone at XXXX. So again i contacted the dispute team at chase, was told to contact southwest, was told they can not get in touch with XXXX and referred me back to my cardholder. Chase now states that they are not directly linked to either southwest or XXXX so i need to get a cancellation confirmation and then they would be able to move forward with the dispute. I am now out over four hundred dollars for a reservation just for being a customer of Chase credit card services and using their affiliated rewards program. All in all I have called Chase, Southwest and XXXX at least a dozen times to no avail, emailed XXXX  and waited as i was told to do so by a chase dispute representative and been given the run around by every person they can get me to talk to. The kicker is that the last dispute representative told me if its past the free cancellation period chase can not move forward with the dispute even though this has taken so long per their request. DO NOT use southwest rewards to book anything other than a flight and especially DO NOT use XXXX.
Product: Mortgage

XXXX bought our XXXX mortgage on XX/XX/XXXX of 2019. We refinanced our mortgage on XX/XX/XXXX of 2019. We have tried for 6 months to get our remaining escrow balance from both companies. I have complaint # XXXX open with CFPB against XXXX that details our attempt to recover our remaining escrow balance of {$1900.00}. At this point XXXX contact information is no longer valid and XXXX says they can't access our XXXX account. XXXX also has our current mortgage so they are confused about our current loan account # XXXX from XX/XX/XXXX of 2019 and the loan they purchased in bankruptcy from XXXX account # XXXX on XX/XX/XXXX of 2019. So we are getting the runaround. XXXX appears to be reverting us to a now dismantled company ( XXXX ) with full knowledge that they are no longer operating and that XXXX owned our XXXX mortgage on XX/XX/XXXX when we refinanced.
Product: Debt collection

-trying to sue for in wrong court for a medical debt i can not verify -did not serve me papers and continues to send mail to wrong mailing address according to court records -lists an intermountain hospital where i settled any owed amount and changed hospitals because they made a mistake -is trying to get legal fees for mistakes he made
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed there has been fraudulent inquires on my report that I did not authorize. I have contacted Tranusnion, sent the proper letters and they have failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an account for inaccuracies with all three credit bureaus as 95 percent of the information from all bureaus were different. This notice was received by Experian on XX/XX/XXXX, XXXX via certified mail. I then received a copy of my dispute results from Experian stated that my account was updated, no changes were listed. I then mailed a method of verification letter. This letter was received XX/XX/XXXX, XXXX by Experian XXXX On today XX/XX/XXXX, I received an alert that my dispute was completed and that the results were generated. Upon signing in my results were unavailable, per Experian website Your dispute results are currently not available online Please call one of our friendly specialists or check your report for updates. I contacted Experian and spoke with a representative by the name of XXXX, this representative told me that the only thing that had been done to the updated account was the remarks were removed. I asked XXXX, were my concerns addressed. Per my dispute letter, I asked for the method of verification to ensure the accuracy of this account. Per XXXX, Experian can not give me that information. And that I would have to reach out to the creditor. I asked what method did Experian use to update my account. I was told that the creditor tells them to either update or remove the account. I stated, in order to investigate something ; you must reach out to the creditor and they should provide verifiable proof that the information that you are reporting is 100 percent accurate. I then asked to speak to a supervisor to better explain the situation. She left me on hold and returns and stated that the supervisors are all unavailable. I asked would the results of my disputes be mailed to me as the are unavailable online, I was then put on hold once again. She comes back to the phone and says that the results can not be regenerated. Confused, I said that I never received the dispute results and asked could a supervisor return my call. The representative then ended the call. This is not the way that any company should have handled this situation, Im asking for information to be thoroughly reviewed for accuracy and provide me with this proof or remove this account from my credit report.
Product: Debt collection

Received a letter from American Coradius International LLC stating that I owe them for a collection for XXXX. The amount that it 's states I owe is XXXX. I checked my account on XXXX and it states my balance is {$0.00} and I do not have an open credit card account on XXXX. I did a credit report and not does it show I have an open account at XXXX indicating my identity has not been stolen. I do not know why I received this collection unless it is a mistake on their part and I do not want this to effect my credit.
Product: Mortgage

my loan was sold to bsi financial co last XXXX 2015 .they up my mortage payment by XXXX $ monthly.i contacted them as I have a payment history as well as an escrow history showing from XXXX. all the updates and also showing no outstanding balance on the escrow account they even paid the home owners insurance for the following year .I contact bsi and also wrote to them .they worte back there was a shortage in the escrow acct. they did not give me accurate info .the only thing they said in the letter is that they spread the shortage over 1 year which totals XXXX $ .I am on XXXX and receive help for the state to pay my taxes they received over XXXX from state of nj to appy to my escrow to lower my taxes .now I am not recieveing my mortage evey month I had to send a letter to get a statement. I have never been late.the statement I got was for 2 months showing I did not pay XXXX payment which it is due by the XXXX I was charged a late fee and they cash my mortgage check yesterday.i am not able to go on the website or speak with anyone about my account. also my mortage is an adjustiable which adjusts next month .the new payment shows the XXXX $ extra to continue for the new year of payments.i need help to resolve this issue as my hands are tied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to dispute the inaccurate reporting of a charge-off account, XXXX XXXX Account XXXX XXXX, which is negatively impacting my creditworthiness and violating my rights under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports from both Experian and XXXX, I discovered that the reported dates of last activity differ, with Experian stating XX/XX/ and XXXX stating XX/XX/XXXX Such conflicting information raises serious concerns about the accuracy and reliability of the reporting. Furthermore, I have reason to believe that the furnisher of this information, XXXX XXXX, is an unreliable source. Under 15 USC 1681 ( e ) ( b ) of the FCRA, consumer reporting agencies are required to ensure the maximum possible accuracy of the information contained in consumer reports. In addition, under 15 USC 1681i ( a ) ( 1 ) ( A ), if a consumer disputes the completeness or accuracy of any information provided by a consumer reporting agency, the agency must promptly investigate the dispute and, if necessary, modify or delete the information accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found a loan from Affirm, Inc on my Credit Report for {$1300.00} on XX/XX/2002 that I did not authorize and know absolutely nothing about. I called Affirm , Inc. who claims to be working on the problem, but I have heard nothing to date.
Product: Debt collection

I have an unverified account from AMCOL. I had previously disputed this account. I have never done business with AMCOL. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that AMCOL Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AMCOL Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

My wife and I are currently in a bankruptcy proceeding. During such, we voluntarily went through a successful loan modification process. As it neared completion, I specifically requested multiple times, verbally, and in writing, that the new loan be given a different loan number to distinguish it from the old loan. Wells Fargo refused to fulfill this simple request. So, the old loan and the new loan both have the same loan number XXXX # XXXX XXXX. 

The new loan was effective as of XXXX XXXX, XXXX. The loan clearly states that as of the effective date that the old loan will no longer exist because the balance due on the old loan will be capitalized with the new loan. 

So, on Friday, XXXX XXXX, XXXX, I called to make my monthly payment. I was casually informed by the representative that Wells Fargo had ruled a Motion for Removal on XXXX XXXX with the bankruptcy court because we had allegedly not made any mortgage payments since XXXX XXXX. When I asked the woman to explain how this could be when we have, in fact, made timely payments on the new loan directly to Wells Fargo by calling in each time, she placed me on hold briefly and returned to say that I have indeed made these payments. However, they have been applied to the old loan and not the new loan. She then said that I am required to make payments on the new loan immediately to prevent foreclosure. 

I demanded multiple times that I be transferred to the XXXX XXXX representative that assisted us on our new loan. She refused each and every time to transfer me without delay. She instead just kept putting me on hold against my will. So, I had to get another phone and call the XXXX XXXX representative myself. When I got him on the phone and explained to him what was going on, he verified that he personally remembered that I had been making regular payments through him. So, he placed me on hold to research the issue. 

He came back to confirm that the SIX payments that we had made on the new loan since XXXX XXXX had all been applied to the old, non-existent loan. He also told me that the bankruptcy trustee had also been making payments that were also being applied to the old, non-existent loan. He further informed me that he was not able to correct these mistakes and that he was not aware of the exact process to do so. He asked me to fax over proof the I have made the SIX payments that I had made that two different Wells Fargo representatives have already confirmed were made. 

According to my XXXX XXXX Bank statements, here are the dates and the amounts that have been paid on the new loan, totaling {$2600.00} : XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$380.00} XXXX -- {$750.00} XXXX -- {$370.00} XXXX Confirmation # XXXX )
Product: Debt collection

XXXX & XXXX sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper XXXX XXXX XXXX or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so XXXX and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.
Product: Payday loan, title loan, or personal loan

. I have a title loan with 1 Stop Title and XXXX XXXX XXXX XXXX. I have paid my loan payments for many years as I have had a few longs with this company over the years. I am usually able to pay but recently I had XXXX  XXXX twice within a short period and I have side effects and financial hardship from fighting the illness. With that I called for the first time in years for help because I had already requested an extension but could not pay. The store personal transferred me to the corporate office and I spoke with XXXX. XXXX was rude from start to finish. She was very short with me when I asked for guidance. I told her I could not pay, and she responded with I cant do an extension on an extension, she repeated that, and we will continue the collection process several times. I asked what that meant because since XXXX  I have had a hard time understanding things, so I ask a lot of questions. XXXX tone was unpleasant and just kept repeating the same things as I asked what the process was, she said we will continue to call you. XXXX then said abruptly is there anything else I can help you with in the rudest manner. I was on the brink of tears, so I told her I was sorry I was getting on her nerves and ended the call just as confused as I was before calling. My bill was due XX/XX/XXXX which is the day I spoke with XXXX. They repossessed my vehicle less than 24 hours later and they did not call me even once to ask for the payment. Now they are asking for over {$4200.00} by XX/XX/XXXX because they know I wont have it and they have told me they plan to auction my vehicle if I cant pay over {$4200.00} in 2 weeks. This is predatory. I have submitted this to the XXXX XXXX XXXX, and I will work diligently to stop my vehicle from being auctioned. 
I think XXXX facilitated predatory lending practices. She led me to believe I would be able to speak with someone as a part of the collection process and make my payment with them but that did not happen. 
I called specifically to ask for help and to understand the process. I would like someone who does not work directly with XXXX to review the recordings of my calls XX/XX/XXXX to the store and with XXXX and the way she spoke to me when I called today XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am inquiring about the recent complaint I submitted on XX/XX/XXXXXXXX Once again, these inquiries were not authorized by me, and the inaccurate personal information does not belong to me. I hope that these items will be expeditiously removed from my credit reports within the designated timeframe. Enclosed herewith is my recently filed FTC 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 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), Credit Reporting Agencies are obligated to remove any items in the file of a consumer identified as information resulting from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Credit card is secured against a CD account ( collateral ). I have asked to close account over 2 months ago and I am still waiting for my money from cd to be deposited to my account {$320.00}. Credit card has been paid in full with cd but surplus which is amount shown hasnt been refunded. Still waiting. Please help.
Product: Checking or savings account

I am trying to confirm that I have authorization to use my accounts and the money in them for the company XXXX. I am trying to rent an apartment.