23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected Consumer Rights to Privacy and Confidentiality under [ 15 USC 1681 ] - Title 15 Section 1681, XXXX  Account ( s ) : ( XXXX XXXX, XXXX XXXX XXXX | XX/XX/2020 ) has violated my rights : 15 U.S.C. 1681 Section 602 A : States I have the right to privacy. 

XXXX5 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 if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 USC 1681b : Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer. 
( 3 ) Information regarding inquiries : Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit card or prepaid card

Hi : I attempted to make a purchase with XXXX on XX/XX/2020. Cash app declined the debit at first and then processed it on XX/XX/2020. Then XXXX cancelled the reservation. However, it was after the time, so they were obligated to pay for the difference in me finding another place. 

Cash App just took XXXX out of my account claiming they reverse a claim for XXXX. I did not file a claim concerning a XXXX charge because I worked things out with them. They provided a refund for the amount they owed me and now this money was therefore fraudulently taken from my account. I have sent numerous e-mails and messages asking for a call to discuss this mater and I keep getting e-mails with in accurate information. 

I am requesting the XXXX is placed back into my account immediately. 

Thank you for your assistance in this matter
Product: Debt collection

Mid Valley Collection Bureau ( MVCB ) formerly doing business as Professional Collection Consultants ( PCC ) is working on the behalf of XXXX, XXXX who is doing business as XXXX XXXX. 

A party purchased a vehicle from XXXX, XXXX using my personal information in XXXX. I was not notified of this debt or indication that my name and personal effect were associated to it by XXXX, XXXX. XXXX, XXXX, or any party on their behalf, did not follow the law and violated California Code of Procedure 418.10 as I was not served properly at my dwelling house or usual place of abode. 

I was only informed of this debt upon notification of a withholding order from my place of employment, in approximately XXXX. PCC/MDCB has refused to research my statements to confirm the validity of the debt. 18 years later, present day, MVCB has submitted another garnishment based on the invalid judgment that was processed in XXXX. 

XXXX, XXXX XXXX XXXX , the salesman, and the underwriter erroneously issued an auto loan and sought recourse both under fraudulent activity. PCC/MVCB has solicited garnishment of funds under ill obtain methods due to improper service process.
Product: Credit card or prepaid card

I have changed my name formally in XX/XX/2019 during my XXXX process FROM : XXXX XXXX XXXX : XXXX XXXX XXXX T XXXX XXXX I have sent following documentations to make sure that all my credit cards and financial institution I am associated with are updated with my new name, however BestBuy ( Citi Bank ) has not been cooperating : 1. Passport Copy 2. Court Order Name Change 3. Citizenship Certificate 4. Social Security Card Copy Customer Service Agent Name : XXXX XXXX Senior Advisor Account Manager : XXXX ( XXXX  ) The above documentation was provided twice to BestBuy " Citi Bank '' initially they updated my name on the card to XXXX XXXX XXXX, however I called them recently to send me a new card, and they sent me again credit card with my old name. 

They are completely unprofessional and not following the laws of the land at all and misinterpreting my identity to all the Credit Bureau s thus creating confusions with my actual name.
Product: Credit card or prepaid card

XX/XX/XXXX- Called credit card company XXXX XXXX requesting to reverse a balance transfer that was made in error due to recent XXXX XXXX XXXX due to XXXX XXXX XXXX. Not resolved. XX/XX/XXXX- Called credit card company XXXX XXXX again requesting to reverse a balance transfer that was made in error. They stated they can not reverse the transfer but they could write a check in the amount of {$5800.00}. This was authorized by XXXX XXXX ( the card holder ). They said they would be sending the check in the mail. This would bring the balance to {$0.00} on the XXXX XXXX Credit Card.

XX/XX/XXXX- Check never arrived. Instead credit card Company reversed 2 balance transfers electronically without authorization or notification to card holder. Over the requested amount leaving a balance of XXXX XXXX14.99 % APR ( previous APR 0 % ) XX/XX/2018 PAYMENT REVERSAL {$2800.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 INTEREST CHARGE ADJUSTME {$33.00} XX/XX/2018 PAYMENT REVERSAL {$6300.00} POSTED DATE XX/XX/2018 PURCHASED BY XXXX XXXX XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 2850.00 ) XX/XX/2018 PAYMENT RECV 'D CHECKFREE $ ( 6380.00 ) XX/XX/2018 PAYMENT $ ( 2892.38 ) XX/XX/XXXX 3rd call, spoke with manager. He stated they can not undue their error. But But XX/XX/XXXX will remove interest charge of XXXX XXXX.They admitted that the first case opened on XX/XX/XXXX- was in a different department than the Case on XX/XX/XXXX leading to the departments not communicating resulting in the cancellation of the authorized check of {$5800.00} along with the 2 transfers being : {$6300.00} and {$2800.00} This leaves an open balance of {$3400.00} with an 14.99 APR which previously had a 0 % APR.
Product: Vehicle loan or lease

XX/XX/scrub>/2024 - Loan was paid off XX/XX/year>2024 - Lien was electronically released from the DMV XX/XX/year>2024 - Called Chase Auto Loans to see when I can expect my title. They mentioned it could take 2 to 3 weeks. 
XX/XX/scrub>/2024 - Called California DMV to see if they have received the Lien Satisfied/Title Holder Release. The California DMV mentioned they have not received the Lien Satisfied/Title Holder Release from Chase Auto Loans . 
XX/XX/scrub>/2024 - Called Chase Auto Loans. Have been through 3 different customer service representative. First on the loan department. They transferred me to the titling department. The titling department transferred me to Chase headquarters who can not solve the problem.
Product: Payday loan, title loan, personal loan, or advance loan

I took a {$250.00} payday loan out in 2021 and have paid XXXX back to them with NOTHING GOING TO THE PRINCIPAL! They are charging me over 300 % interest and not a dime has been applied to the XXXX original amount! This could go on for the rest of my LIFE! They are predatory lenders, and this surely can not be legal! To apply NOTHING TOWARD THE ORGINAL AMOUNT BORROWED IS OUTRAGEOUS!! I have no idea what to do as I can not get any original documents, and they have sent this to an attorney office even tho I have paid over 10x what I have borrowed years ago!! I need help to resolve this matter!!! DO NOT DO BUSINESS WITH THEM NO MATTER WHAT! 

Credit Box is the company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed all three of my credit report and noticed an account that was not reporting accurately. I had XXXX late payment on an account that I was in fact paid on time. The consumer reporting agencies, ( XXXX, Equifax, and XXXX ) need to report all information with complete accuracy, the account has not been late on payment. Ive attached a copy of my credit report to this complaint on the following date ( XXXX ) ( XXXX XXXX and or XX/XX/year> ). Im now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your swift response to this matter and your complete cooperation on this matter.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXX XXXX XXXX  ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship oF EQUIFAX due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EQUIFAX has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EQUIFAX, including USPS tracking number and screenshot of date of delivery. You EQUIFAX are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EQUIFAX has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Product: Checking or savings account

In 2021 We had a business account and preform work for a customer who came in our business once the work was completed and saw it was completed we ran his debit card for the amount of XXXX and he then was given a receipt to him and we had a copy that he signed for our records to only to have the customer dispute the charges after he left our business. 
Wells Fargo then was contacted made aware of the situation but still took the money out of our account for two weeks we went back and forth with them. Then they put the money back in our account to only come back a month later and took the amount back out of our account after we thought the issue was resolved, then when we contacted them again about it they told us after a investigation was done that they decided in the customer behalf and there was nothing we could do they consider this issue closed. 
Let me add that the hole reason customer had a issue was bc he consider the bill to high not bc the work wasn't satisfactory but it was to much. Wells Fargo then left us without the XXXX but also put us XXXX overdrawn in the account to go against us and our business.
Product: Credit card or prepaid card

I used my card on XXXX XXXX at an ATM then later when I tried to use it in a vending machine it said transaction declined. I call customer service which was overseas and the reps were not understandable and I was refused a supervisor. They couldn't or wouldn't tell we why the account was frozen, and they put me on hold which kicked my call out of the system. I went through this several times each day over several days. I also started an email trail which went nowhere but at least I have proof of dates and all I did to rectify the situation. They finally told me my card was fixed and when I tried it in the vending machine it worked, however later I attempted to withdraw cash from an ATM it said my account was in the negative by XXXX USD. There was over {$2000.00} USD in that account, then they said that I reported the card lost ( never happened ) Then they started a claim dispute in my name, but they want me to write a statement listing the disputed withdraws, I can't do this because the account is inaccessible. I am at a lose as to how the ATM withdraws were made after the card was frozen but that is what NetSpend is claiming. 
I really believe they are scamming me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit card or prepaid card

I was with chime bank prepaid debit card and they closed my account stating too many loads to the account I contacted them through email several times they asked for documentation to prove the loan funds I sent them all the documentation about where the load funds came from my ID and they still will not give me my account balance or send me my money they are trying to keep my money I also had a linked XXXX XXXX XXXX card to this account and they froze that account and they are trying to keep my money between the two counts is over {$10000.00} they keep saying Im in violation of their terms so they are not refunding or give me my money back I dont understand how they can keep my money there was nothing wrong with my money or where it came from
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX HI XXXX XXXX XX/XX/XXXX Dear Consumer Financial Protection Bureau : Re : US Bank Mortgage Acct # XXXX I am writing this letter in complaint of US Bank who is my mortgage lender for my home. US Bank unilaterally purchased forced coverage for Wind Insurance on XX/XX/XXXX retroactively for XX/XX/XXXX to XX/XX/XXXX at the cost of {$5600.00}. This coverage is redundant as I already have the required wind insurance through my home insurance XXXX XXXX. 

I have called US Bank representative numerous times from XX/XX/XXXX until now. Myself and my XXXX XXXX agent have explained to them and uploaded proof of insurance to XXXX. Each time USbank representative has not called back nor emailed back. US Bank placed a lender placed wind insurance first time on XX/XX/XXXX and then refunded on XX/XX/XXXX. Then on XX/XX/XXXX US Bank placed again {$5600.00} wind-only coverage lender premium. US Bank representative has since refused to remove the premium. 

I do not any emails from US Bank because they did not email or follow up after any of the calls. I have enclosed emails from the XXXX XXXX agent, XXXX XXXX, explaining to US Bank that my home insurance DP3 policy includes wind insurance. 
The US Bank representative has said that if we show that we have wind coverage then the lender placed premium would be removed. On XX/XX/XXXX, XXXX XXXX uploaded another letter explaining that my homeowner insurance includes wind coverage. Despite proof of wind insurance ( part of the coverage of DP3 insurance ) as provided by XXXX XXXX. The US Bank representative have refused to remove the charge ( {$5600.00} ) for their redundant wind insurance. 

On the phone, the US Bank representative said that they can not remove the lender placed premium of {$5600.00} because US Bank is requiring hurricane coverage for my property and my current homeowner insurance does not have hurricane insurance. Yet, none of the US Bank letters sent to me had any mention of hurricane requirement. Each of the US Bank letter had requested wind coverage, which we had shown them we have. US Bank placed {$5500.00} on XX/XX/XXXX, then refunded on XX/XX/XXXX, then charged XXXX again on XX/XX/XXXX retroactively for XX/XX/XXXX. 

Does this violate any truth-in-lending? When I signed my home mortgage with US Bank in XX/XX/XXXX, US Bank had approved my homeowners which did not include any hurricane coverage. ( Attached XX/XX/XXXX XXXX homeowners insurance ). On the phone, the US Bank representative is saying US Bank can not remove the wind coverage premium of {$5600.00} because it covers for hurricane. Yet, US Bank has not sent any written notice to me requesting for hurricane coverage. US Bank sent letters with request for wind coverage, which I had sent proof that I have. I am asking for US Bank to remove and refund the redundant lender wind insurance on XX/XX/XXXX for retroactive coverage XX/XX/XXXX XX/XX/XXXX of {$5600.00} when wind coverage is included in my current home insurance DP3 policy. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. 3 Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXXXXXX Owed : {$7100.00} ; XXXX XXXX XXXX Balance Owed : {$6200.00}.
Product: Debt collection

I filed for Chapter XXXX bankruptcy PRO SE back in XX/XX/XXXX and listed my apartment complex as a creditor with an unexpired lease on my schedules. Throughout the bk proceedings, I still lived there and paid my rent. My bk was discharged in XXXX and closed in XX/XX/XXXX. My lease ended XX/XX/XXXX and they are trying to collect about {$800.00} in move out fees for worn carpet through a collection agency. They sent it to collections the day AFTER my lease ended without contacting me. My question is, since they were listed on my schedules when I filed, can they collect any amount from me even though my lease ended after my bk was discharged? I had a similar situation with my vehicle lease where when I filed, my lease was still active and didnt officially terminate until AFTER my bk closed. Even though I knew I would have owed the finance company money for going over my lease miles ( est. around {$4000.00} over ), they wrote it off as included in bk and never attempted to collect. If it turns out the apartment complex cant collect, do I need to hire an attorney just to tell them they cant collect from me? I think theyre doing this just because I didnt have an atty.
Product: Credit reporting, credit repair services, or other personal consumer reports

The claimant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ***Legal Notice & - Complaint- XX/XX/2019 - - Wells Fargo Bank/Wells Fargo/To whom this legal notice and complaint concerns : - - - - Today is XX/XX/2019 This is a final notice demanding from Wells Fargo and any company that has a name of Wells Fargo in its business legal name and operates in the United States and also a legal Notice to its decision makers ( involved in invading my rights to privacy and peace continuously in addition to violating many other laws and against me ) to please comply to law and that you are commanded now by law to : - -immediately stop your interfering in any of my personal credit reports or files with any credit bureau. 
To stop your invasion against my privacy. -To stop your falsifications and misleading interferences against my financial records. To stop your blackmailing against me. To stop your continuous harassments against me. -to cease from any of your recorded intimidations and threats you made against me .To stop your illegal interfering against my credit reports since Currently You dont have any open credit or deposit account that I authorized ever you and at any time and to open it and on my own will and not by your own intervention against my will to cover up your other violations you did at any time and against me and/or the public and/or consumers - -Who are you that you think you can force me to submit to your own illusive will? Any of your usual criminal threats and activities against me would cost you more serious legal consequences and you would be prosecuted in a criminal case too. 
- - You have no business need to know and neither any type of my consent now and to interfere or change or do anything with my information within any credit bureau. 

_____________ You must not alter, destruct or delete or get rid of any information related to my person and that you stored in any form and it is all evidences and you are noticed of all the above and not to destruct evidences and you must comply and this was a final notice .- - Currently, there are legal case/s against you. - - - Therefore, you must stop your blackmailing and interference into my private personal credit reports within any credit bureau and at any time and secondarily you must also comply and preserve all evidences as directed above. 
- Sincerely, -. 
_______The claimant ._______ -XX/XX/2019 - - - *** without waiving my rights, all stated herein is subject to any correction or anything at any time and by my person or my representative and without notice and all herein is to my current states belief, knowledge and understanding. 
XXXX receipt of this complaint is your consent to immediately comply to all the above legal notice - - - XX/XX/2019. I  reserve all my rights.-
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax data breach onXX/XX/2017 has compromised my personal information. 

Per Equifax site regarding data breach : " Based on the information provided, we believe that your personal information may have been impacted by this incident. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I received a letter from XXXX XXXX  stating they deleted the bankruptcy that was showing on my credit report off because they couldnt verify the account so it was deleted! I called & spoke with a CSR to let them know what was going on but I was getting attitude & saying what they couldnt r not gone do! Its very unprofessional & rude to customers who is trying to resolve a problem!