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

XX/XX/XXXX XXXX XXXX via XXXX put a temporary hold of {$240.00} on my USAA checking account via debit card ending in XXXX. On XX/XX/XXXX XXXX XXXX debited the actual charge of {$170.00} and {$10.00} additional tip. Total of {$180.00} which is correct. USAA refuses to release the hold of {$240.00} and converted it to a debit. I repeatedly contacted XXXX and USAA beginning XX/XX/XXXX. On XX/XX/XXXX XXXX from XXXX confirmed the {$240.00} was a temporary hold and the amount should have been released by USAA on or before XX/XX/XXXX. I filed a dispute with USAA on XX/XX/XXXX and uploaded to their portal ALL the verification documents, including the XX/XX/XXXX email from XXXX that states the hold should be released and the 7 exhibits of proof. USAA kept saying they were waiting for the merchant to respond. On XX/XX/XXXX at XXXX XXXX ET XXXX from USAA said they had not released the hold and were not removing the debit. On XX/XX/XXXX I spent {$53.00} and overnighted all documentation to USAA including the 7 exhibits of proof. I reopened the dispute number XXXX with XXXX on XX/XX/XXXX. On XX/XX/XXXX I called USAA at XXXX XXXX to cofirm receipt of the overnight package and they do have it. I was told it will take another 7-10 days to review the dispute.

Based on the proof, USAA should have immediately charged back the {$240.00} to the merchant AND now they should also reimburse the overnight fee of {$53.00} I paid to XXXX 
There were NOT two grocery orders and thus there are not two receipts for goods/services. 
My husband is a XXXX Veteran & this is causing he and our family mental and financial stress.
Product: Debt collection

Changed open date to look like I opened account last year, which I did not open the account last year. It was opened almost 6 years ago and was getting ready to fall off and now it is effecting my credit majorly. I have requested this be changed repeatedly and no one wants to listen to me or do anything about it. In all actuality its probably months with in the dates to fall off and the collection company changed it right before so it wouldn't fall off.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted XXXX XXXX because there are 7 hard inquiries on my credit report that I am not familiar with. I asked them to investigate this matter and they did not attempt to do so. Instead they told me to contact these companies the inquiries are based out of and do it myself. The inquiries include XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Americredit and XXXX XXXX. They will all likely not be able to verify my correct information so I was hoping someone could get these inquiries removed from my credit report as soon as possible as it is damaging to my credit. 

My Information is as follows XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, OH XXXX My contact phone is XXXX My Social Security and Birthdate are XXXX XX/XX/XXXX
Product: Debt collection

Had an insurance policy with XXXX for XXXX of my vehicles. I sold the vehicle and paid for that months use of the vehicle already. Called and closed out the account with a representative the day of vehicle being sold. Account closed and no amount due. Got a new car and new policy with a different insurance for better rates. XXXX reported late payments for next months amount when my account was already closed out. Called and said I already paid for the month the car was on the insurance for there should be no more amount due. Representative told me will get it fixed on there end so never paid and they never got it fixed so debt went off to a collection company and is hurting credit score.
Product: Credit card or prepaid card

Gap Credit Card Fraud Closed Account due to Identity Theft XX/XX/XXXX Inquiry not self initiated XX/XX/XXXX Received notification XX/XX/XXXX they would resolve an issue within 14 days-unknown caller ID Credit Card report labeled social security information and email listed Dark Web per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX thru Commenity Bank. When my balance was {$310.00} I initiated a balance from XXXX to my XXXX XXXX  credit card. XXXX XXXX  initiated the transfer within a fee days. The money was never credited by Commenity so I was still being charged by Commenity and XXXX XXXX. After numerous attempts and minths to fix this problem with Commenity, I requested XXXX XXXX take their money back. Still after XXXX XXXX credited my account I continued to try to work with Commenity to credit my account all late fees and interest to no avail. I finally contacted a lawyer and they won my case by crediting my Commenity account to XXXX.
Product: Credit card or prepaid card

Around XX/XX/18 I filled out an application for a balance transfer with the amount that I wanted transferred from my current account to my new chase card ( around {$5200.00} ). I received a call about a week later confirming it was me trying to get this balance transfer. I gave the man from chase my info and he asked me to hold on a minute and he will go ahead and run it to see if I am accepted. He got back on the line and said everything was good and I was accepted for the balance transfer. He did NOT tell me I was only accepted for a fraction of the money I requested transferred. I was looking for someone to transfer the full amount, and if they couldn't, I would not have continued with them. I would have found a card that took the entire amount. I did not know this until I received 2 letters in the mail from chase 1-2 weeks later. One letter was the new credit card and the other was a letter stating they only transferred 1/4 of what I had requested and specifically put in my application. I called chase about a week ago and tried to see if they could fix this or just reverse it all. I eventually was sent to a " supervisor '' that told me it was past the grace period and that I only had 2 options. Either they can run another credit check, and possibly lower my credit score 30+ more points, or I can just deal with it. She also stated that running another credit check doesn't guarantee I will even get the full amount transferred. The whole reason for me requesting a balance transfer was to give me more time to pay off my debt with no fees and no interest for a year while I get my credit score where I want it to be.. Now I am stuck with 2 credit card payments and a credit score that has dropped 30+ points over just {$900.00}.
Product: Payday loan, title loan, or personal loan

I applied for a personal loan of XXXX through a third party website on XX/XX/2022. I was notified I had been pre approved by One Main Financial. When submitting my application from One Main Financial I was notified it would be a hard inquiry on my credit report. I submitted the application and then was told I had been approved. The website now said I need to verify my income and upload other documents to continue. The documents needed to continue said : proof of auto insurance, pay stub, photo ID front, photo ID back, and vehicle registration. The application up to this point had never mentioned a vehicle was necessary for the application of the loan. I called One Main Financial to get clarity of why vehicle documentation was necessary to receive the loan I was approved for. The agent stated I applied for a collateral loan. I let the agent know I applied for a personal loan not a collateral loan. I was told the application was for an unsecured or secured loan. But I would not be able to pick which loan I wanted to apply for. This company falsely advertised the original loan I applied for which was a personal loan. The information the agent told me was not clearly stated on the application I was submitting. My credit report was pulled without my authorization. I wouldnt have applied for this loan if it had been clearly stated that applying for this loan would require collateral even after being approved, based off my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Updated and new information in relation to CFPB Complaint XXXX response letter attached to this complaint. My initial complaint also stated that Credit Acceptance is in Violation of FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( XXXX ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
In response the my privacy rights being violated Credit Acceptance has not sent me an annual privacy notice disclosure for XXXX, XXXX, and XXXX this violates XXXX XXXX : I would like to ask when I am supposed to receive my privacy disclosures as a customer/consumer? I would ask that if you are in violation not to ignore my request and just answer to what you can slide around without answering please give me the information I am asking for? 
Delivering Privacy Notices You must deliver your privacy notices to each consumer or customer in writing, or, if the consumer or customer agrees, electronically. Your written notices may be delivered by mail or by hand. For individuals who conduct transactions with you electronically, you may post your privacy notice on your website and require them to acknowledge receiving the notice as a necessary part of obtaining a particular product or service. For annual notices, you may reasonably expect that your customers have received your notice if they use your website to access your financial products or services and agree to receive notices at your website, and you post your notice continuously in a clear and conspicuous manner on your website. - I have never been asked for permission to receive my privacy notice electronically nor have I ever agreed to received privacy disclosures electronically from Credit Acceptance thus Credit Acceptance is in violation of not sending me privacy notices for XXXX, and XXXX under the Gramm-Leach-Bliley Act
Product: Debt collection

A Certified/Return Mail was sent to this creditor, National Credit System requesting that the account # XXXX since XX/XX/2018 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job ; and the consistent lack of credit extension to me by potential creditors. XXXX XXXX XXXX, XXXX must delete this unfair and erroneous information from my credit reports with all the Credit Bureaus with immediate effect per the FCRA and the FDCPA. 

Thank you, XXXX XXXX
Product: Mortgage

Outstanding loan amount was XXXX back in XX/XX/2016, same loan now has a balance of XXXX to paid in full to payoff loan and avoid foreclosure. The loan is with bsi they have on my statement unpaid post petition amount of XXXX I have been asking to provide explanation of fees and the escrow balances are completely not correct. This loan has been transferred from three different providers in the last thirty years. My husband has always handled the finances and has been very sick the last few years in and out of hospital and recently diagnosed with XXXX and is XXXX XXXX. I am trying to Sell assets vehicles and rv but just cant get it all together by next week.I have requested a modification and send docs over then they say they havent received them and ask for additional documentation. I just sent over more docs as they said my application is not complete so I resent them. I have been calling daily but they just say 3-5 more business days to review the documents again for documents I have already sent over. The fees go up weekly thousands of dollarsdoes not seem legal for a company to do business this way. I need more time to get the money together. I have considered hiring attorney but not sure where to start. Furthermore, my business hair salon was impacted by covid and included that in my hardship letter. My husband is XXXX XXXX XXXX XXXX any assistance or guidance would be greatly appreciated.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General, XXXX XXXX XXXX ( XXXX  ), and The Federal Trade Commission ( FTC ) have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Money transfer, virtual currency, or money service

Hi I am a Coin-base Inc user and I have a problem accessing my assets. I believe this is unfair, it says we are having connection issues. Please quit the app and try again. Your funds are safe. This has been happening for 4 days now and I can not access this part of my account.
Product: Checking or savings account

On XX/XX/2021, I visited the TD Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. I asked for the first 6 months of statements after my account opening. The branch employee I spoke to did not disclose the {$140.00} research fee. 

Once I found out about the fee, I didn't know what it was, so I called the TD Bank Call Center and spoke to a supervisor. The supervisor informed me that there is no way to escalate the call and there is no department to forward the complaints to ( everything on the line was recorded ). The call center supervisor informed me that I have to visit the branch to have the fees removed, even after I told the supervisor that didn't feel comfortable visiting that branch due to prior past negative experiences ( actually she told me that she would call in me in two days, but I never received a phone call ). 

On XX/XX/XXXX, I visited the branch directly and told them my issue. The employee said that it was a fee assessed by Corporate and that it wasn't her job to fix, and I told the employee that it was her job to disclose the fee to which she did not respond. 

I also feel that because I am an immigrant struggling with XXXX as a Second Language, I am viewed as vulnerable or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. 
I need these addresses removed from my report they are inaccurate. I do not live at the following addresses : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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  ( Original Creditor : XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I discovered that all three credit bureaus, XXXX  , Experian and XXXX are continuously reporting a " revolving '' credit card from XXXX XXXX XXXX , with a balance o {$900.00} on my credit report in spite of my dispute filings and complaints of inaccuracy. I do not have and have never had a card from this company with this balance owing. This is a balance & card that I do not have. No verification provided by any source in over 30 days. 

It is an item that should be completely removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. BK OF AMER XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate address on my report. The bureau sent a letter stating it was deleted. I checked my report weeks later and its still on there.
Product: Checking or savings account

On XX/XX/XXXX I called Bank of America and had my account to be closed. A direct deposit was submitted on XX/XX/XXXX for the amount of {$100.00}. On XX/XX/XXXX I received an email stating that the account was closed. On XX/XX/XXXX I contacted Bank of America located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX and spoke to a representative, he stated that he can not help because the account was closed and to contact customer service. I made several attempts to contact customer service, the first time I was placed on hold for a half and the second time an hour
Product: Debt collection

Debt is orig from apartment complex XXXX XXXX in XXXX, XXXX ( under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ). I never received a bill from townhome upon vacating, even though I left forwarding address. I did not know about bill until 3 years later until my mother started to get calls from PDM, so was unable to dispute charges to original debtor. 
Charged : {$120.00} for cleaning {$150.00} for trash out food/refrig baby bed {$11.00} for autochrg {$130.00} for " Bal of 15 Day Notice '' Per lease, premises were left in original condition than move-in. Upon move-in, office staff informed me that they had not had a chance to clean yet, and gave me a can of oven cleaner. Bathrooms had not been cleaned, floors had not been mopped. Upon move out, I cleaned all rooms, vacuumed, mopped all areas. There may have been some dirt from moved furniture, but absolutely not {$270.00} worth of cleaning. I did leave a crib in one bedroom, but had told mgmt that I would in case another tenant wanted it, as it was still in good condition and many people in the community were low-income. She said, " That 's so generous of you '' ; did not mention that I would be charged for someone to remove it from the room and give away/ throw away, if that 's what they did with it. 
PDM did not remit hourly wage and hours spent cleaning to justify such a large bill. 
" 15 day notice '' charge is not in lease ; I was on a month-to-month lease when I moved out, so did not owe add'l funds, as can be seen on " $ XXXX month-to-month '' charge on bill. 

When I told PDM that I wanted to dispute the charges, they immediately said that I should have done a walk-through with mgmt. Mgmt did not request a walk-through, I was never told about this requirement. Not sure if this nullifies my rights, but I do at least think that I should be given itemized bill of how they spent {$270.00} to clean the apartment.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance XXXX : {$0.00}
Product: Debt collection

I received A letter in the mail from a lawyer offering services due to my having been sued. Now, I never received any communication from this company regarding an alleged debt. Not only that, But I was never served any papers whatsoever. 
In summary, this company has sued me without ever bothering to check with me the veracity of the claims. Additionally, they sued me and they never served me papers. 
here is the company name. 
First Portfolio ventures I LLC XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX
Product: Mortgage

**THIS US NOT RESOLVED***Shellpoint took my unapplied funds of {$1600.00} and applied to my partial claim without my knowledge. I made that payment in XXXX for XXXX payment however I couldnt come up with the remaining. I called Shellpoint and was able to get one more month of forbearance and a partial claim. I asked my csr rep numerous times what happens to my money I already sent she advised it would remain in unapplied. Well the partial claim is filed and without my knowledge they took the money I had towards my mortgage payment. XXXX XXXX the rep is lying and I have asked for all the phone calls we discussed as they will not provide for me. I discussed this with her a number of times before I even decided to file a claim. I would never ever did this the point was to catch up on my bills. Not to use money I have towards a partial claim what would be the point. They are taking my money they did an error and needs it to fixed. My mortgage is paid in full but they arent applying it correctly. I want all the phone calls I discussed with her.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XXXX XXXX DEALER 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 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 XXXXXX/XX/XXXX