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

My card was fraudulently used when still in my possession on the following dates XX/XX/2019 in the amount of {$190.00} XX/XX/2019 in the amount of {$1300.00} XX/XX/2019 in the amount of {$20.00} XX/XX/2019 in the amount of {$1.00} XX/XX/2019 in the amount of {$76.00} On XX/XX/2019, I discovered when checking my account that there had beed fraudulent charges made on the above dates. I called Direct Express immediately and made a report. I was sent a questionnaire of fraud to fill out, which I filled out and returned immediately. After numerous phone calls to Direct Express I was given the run around. I finally received a letter dated XX/XX/2019 from Direct Express  stating that they had denied my claim because they could not confirm that fraud had occurred, even though I sent Direct Express proof that at the time my card was compromised I was in Florida when the charges were made in California.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has been showing no score since XXXX. I have four years and four months of credit history and have been trying to contact Westlake Financial, XXXX, and XXXX regarding this error to no avail. I have paid XXXX XXXX to look into the matter ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), but this did not help. Westlake Financial is of no assistance and the name on my account has been incorrect since XX/XX/XXXX. I have tried email, phone, and mailing the documentation for the name change and I get no response. How can I have over four years of credit history, with a XXXX score in XXXX, and then the score disappears and the history remains?
Product: Checking or savings account

My account balance with  XXXX    XXXX   was  discharged in a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems immediately.
Product: Checking or savings account

I received an overdraft charge of {$35.00} for a transactions made on XX/XX/XXXX. But at no time on that date was my account in a negative balance. 

Bank of the West has a history of manipulating account date to extract the most in overdraft fees ; in XXXX, the bank agreed to settle a class action suit for over-collecting overdrafts for {$18.00} XXXX dollars.
Product: Debt collection

In XXXX I paid XXXX  XXXX for money due at the end of my lease and fees associated with cleaning up trash and boxes left in the apartment upon my departure. However, I took out the amount of {$350.00} which was incorrectly applied to my account for maintenance not addressed by the property manager. I provided documentation to XXXX XXXX and XXXX directly that this was captured on my move-in checklist and that follow up maintenance requests were submitted regarding the refrigerator needing repair and carpet damage ( which is what they were attempted to charge me for ). Despite multiple communications and mailed documentation, XXXX XXXX and XXXX neglected to correct the error and credit my account for the {$350.00}. I have contacted the property management at XXXX XXXX and many in leadership at XXXX. XXXX would not return any of my communications. 

Recently they reported me to a credit agency. In XX/XX/XXXX I immediately notified the collection agency, Columbia Debt Recovery, that I was in dispute of the 'debt ' and notified them that XXXX  was aware of my dispute as well. Columbia Debt Recovery continues to contact me after I notified them that I was in dispute of the 'debt '. 

In XXXX of XXXX I also finally received a single response from XXXX leadership to my many many communications since XXXX -- this was to inform me they could not address my concerns because my account was reported to a debt collector.
Product: Debt collection

XXXX XXXX XXXX XXXX filed a writ of garnishment in an Arizona court with my employer in Washington state. I live in Washington and never authorized or agreed to the garnishment. 

After I filed bankruptcy to liquidate my debt and stop the garnishment the court ruled that XXXX had wrongfully garnished almost $ XXXX from me. They were ordered to repay the amount garnished plus interest and legal fees. To this date XXXX has refused to pay despite a federal court ruling.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX  dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, XXXX of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC Ref . No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with XXXX XXXX Bank, NA. 

I filed a complaint with CFPB against XXXX XXXX Bank, NA speratley.
Product: Credit card or prepaid card

This is the Citibank Visa for Costco XXXX customers. I have an executive membership at Costco I paid {$120.00} for my annual membership renewal on XX/XX/XXXX, using the Citibank Card. 

Now Citibank is cancelling my card because they say I didn't pay the Costco membership fee ( even though the charge is right there on my card statement ). They say I have to call Costco to resolve the issue but the phone number they give ( same as the number on the card ) does not work ( I get connected and then disconnected after 30-minute wait times ). I've been a Costco member uninterrupted since XXXX. 

I'm currently traveling abroad in XXXX and can not visit a member services counter in a store ( the only other option they give me ). I rely on my card for many daily purchases so if they cancel my card XX/XX/XXXX ( as they threaten to do ) I will be stuck with no way to pay for travel back to US or elsewhere and I will also lose my accrued cash-back benefit. The membership renewal payment is right there on my card and they don't have any way I can get in touch with a person to solve it. I would really appreciate your help.
Product: Checking or savings account

Well Fargo would charge me overdraft when I had funds.
Product: Mortgage

In XXXX I went into XXXX XXXX XXXX XXXX to apply for a mortgage. At that time I supplied all requested documents including the last 2 years of my taxes. I was quickly approved for {$60000.00} which I asked for then after three months of looking I was approved for {$65.00} because I found a home for that amount. It was okay that someone else 's offer was taken. I found a home and that's when I was approved a second time at the {$65000.00} price point. The home I found was listed at {$59000.00}. I offered an additional {$2000.00}. I was moving towards closing and Member first Mortgage begin asking me for documents which were already submitted. Then after submitting them they ask again for the same documents, over and over again even after sending me an email stating they had all the documents. As time passed and I heard nothing regarding closing I begin to inquire as to the status of closing. I had previously been given an expected closing date of XX/XX/XXXX. However, I was told on XXXX that the underwriters had suspended my loan and no one knew why. I called the bank and was told there was no problem and I should be closing. I called the bank and was informed by the new Bide Pres. of banking XXXX XXXX that the Vice president of banking XXXX was let go a And he was brought in to correct the many mortgages that were messed up. XXXX at Member First Mortgage who was coy told me my income to debt ratio was 84 %. My challenge is they had my taxes w-2 and 1099'since XX/XX/XXXX and no one ever said a word. I have gone from looking to the appraisal process I knew nothing of this and the underwriters looked at a home I had turned down and even sent me the truth in lending papers. The whole process was botched from lost papers over and over again to not properly reviewing the papers to being told by XXXX that " You are approved to close. We will be closing on the XXXX. They refunded my {$520.00} appraisal fee because they admitted the debacle Stinked. I am expected to move out of my place. Where am I going until my loan closes WITH ANOTHER LENDER? '' The complete process was unprofessional and deceptive, unorganized and disingenuous. Needless to say, I called XXXX XXXX who assured me that he would handle it and call me back. Neither of the promises was kept. 
It is my sincerest hope that NO ONE is made subject to this type of treatment from XXXX XXXX  XXXX XXXX or Member First Mortgage.
Product: Money transfer, virtual currency, or money service

My account was suspended despite multiple efforts to verify my identity and without any actions on my part that would merit suspension.
Product: Debt collection

On XX/XX/year>24 I contacted Wakefield & Associates to settle my debt. I was adviced I had XXXX balances which I settled for total of {$590.00} for which debt was going to be removed from my credit report and was supposed to received a paid in full letter. In XXXX the company continued to report the debt and I havent received letter either. I contacted XXXX to dispute on my behalf and their results were no response received from company.
Product: Vehicle loan or lease

I bought my car in XX/XX/2017 and was told by XXXX XXXX this car would rebuild my credit. I paid on tune for over a year and during hard ships they never allowed payment plans. They completely scammed. Me to get me in the car with a higher car note I wAs told I could trade it in and was never allowed to. 

I recently lost my job and paid half of the note and was never behind or show a history of constantly missing a payment. They didnt work with me at all as a single mom and I lost my car. 

I have gotten 2 cars from XXXX XXXX both were processed wrong. 
Sierra finance ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

To CFPB, I have tried to work this out with XXXX, Equifax, and XXXX in regard to the inaccurate information currently present on my credit report. Despite numerous attempts to resolve this matter and send letters to the creditors as well, I have not gotten a response. Neither of the addresses they are reporting corresponds to my current situation. 15 USC 1681 ( 4 ) says that they must only report accurate and relevant information. Unfortunately, the information contained in my credit report fails to meet these fundamental standards. I was also affected by the EQUIFAX DATA BREACH. 

My name is : XXXX XXXX My one and only address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX My only phone number is XXXX I demand that they remove the inaccurate, irrelevant, and outdated addresses from my credit report and also remove all misspelled names. 

Unauthorized credit pulls can significantly impact my credit report score. They also raise concerns about privacy and compliance with consumer protection laws. In some cases unauthorized is fraud. 

Can you send a copy to each CRA named above? 
XXXX, Equifax, and XXXX. I have attached a copy of my proof Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late any reason.
Product: Vehicle loan or lease

Hello i had a issue with my vehicle regarding coolant leakage and radiator issues. i use my vehicle warranty to try and take care of the issue with me seeing those things were covered in my warranty and mines was still active i use it. They ( XXXX XXXX  XXXX XXXX pick up the vehicle diagnose the vehicle and deemed it not covered after their findings and said they wouldn't do any work on the vehicle. My Lenders ( Credit acceptance ) Picks my vehicle up from them with my permission and takes it to schmitty 's repo. Now its on my credit as a repossession which it shouldn't be then to make matters worst XXXX XXXX XXXXXXXX never put the engine back in my vehicle so even if i was to pick up my vehicle from XXXX XXXX i ca n't drive it because my engine is gone.I have contact all parties in this matter and they keep pointing the finger at one another. also credit acceptance isn't trying to help at all they just keep hitting my credit when they know what happened to the vehicle nor have they offered any helping hands even though they picked up the vehicle with no engine.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

I have an account with Home Depot. I had a revolving balance and three promotional balances that were do at different times. On New Years eve I went to my local Home Depot to pay off my revolving balance so no further interest would accrue, and pay towards my XXXX promotional balance. The woman at the customer service counter was unfamiliar with how to do this, so she contacted the national Home Depot credit services department. After speaking with someone there, she passed the phone to me. It was explained to me that because I had a promotional balance due in XXXX, they couldnt pay off the revolving balance first. I complained that XXXX was two months away and that balance was to be paid off by the. The customer service rep told me that their computers would not allow them to divide payments this way. 
In XXXX, when the bill came due I paid off the amount of the remaining revolving balance + extra so it would lessen the XXXX promotional balance. 
When I received my XXXX bill. There was an interest charge of {$10.00}. I called customer service on XX/XX/2020 @ XXXX pm and spoke with XXXX. I explained I was disputing the interest charge due to the fact that I was not allowed by their company to pay off my revolving balance in full the previous month. She spoke to a supervisor who said that they would redirect {$670.00} of my payment of {$790.00} to pay off the revolving balance and remove the {$10.00} interest charge. At that point I was satisfied. 
However, on XXXX XXXX I again called Home Depot Credit Services to verify that all the aforementioned had occurred before I made my XXXX payment. I spoke to XXXX who took a lot of time with me. However, other than removing the interest charge, nothing had changed. I still had a revolving balance, the promotional balance due in XXXX and the one due in XXXX. I explained about the previous conversation I had had with XXXX and what her supervisor had said. She put me on hold, and spoke to someone and was told the same spiel about how because there were 30 days left until the XXXX promotional balance was due, they couldnt pay off the revolving balance first, but instead had to divide up the payment. She apologized, but said there was nothing she could do. I asked what amount I needed to make so I wouldnt accrue interest and could pay off the revolving balance. It seemed the only way to do this was pay the amount of the revolving balance, the total remaining on the XXXX promotional balance, and the XXXX promotional balance. So I did. 
This is a ridiculous scam! If a promotional balance is due on say XX/XX/XXXX, and you pay it off before XX/XX/XXXX, the company should not be allowed to redirect payment from one balance to another. This is just their way of collecting interest. By not allowing me to pay off my revolving balance first, they guaranteed they would continue collecting interest every month. This is a dishonest and disgusting practice that sours me on this company!
Product: Debt collection

On XX/XX/2020 I made contact with Conn 's XXXX XXXX to make payment on 2 accounts that I had in collections. They provided me with the number of the collection agency who held the account. I contacted the collection entity and paid both accounts in full. I made two payments on XX/XX/2020. One for {$570.00}, and another for {$400.00}. I never received a letter from Conns showing debt was paid in full. 

I ran my credit report which showed that Conn 's was still reporting this as a valid debt so I filed a dispute with the credit bureau XX/XX/2020 and they responded that this was a valid debt. 

I then made contact with Conns who sent me to multiple collection agencies to resolve the matter and non of them where able to assist. The originial creditor whom I paid indicated they had no record of the payment and that Conn 's had moved the credit file to another collection entity and I needed to contact them. This happen 2 more times before the last collection entity TSI directed me back to Conn 's to have the issue resolved. I sent Conn 's a copy of my dispute letter and my bank statement showing where I had made payment on the accounts on XX/XX/2020. Conns ' has yet to reply to me as to the status of my account nor have they provided a letter showing that I paid this debt. 

This collection is impacting my credit score and my ability to move forward with purchasing a home. 

I have talked to multiple collection agencies associated with Conn 's as well as multiple conns representatives. As of today XX/XX/2020 conns has reported that are waiting on the collection agency to report back even though I provided them with proof of payment. I do not feel like it is fair to me as the consumer if the collection agency did not follow process in this case. 

Conn 's did send me an email on XX/XX/2020 that they would have resolution to my concern within 72 hours and I have still received no response. I sent a follow-up email with still no response and I called today XX/XX/2020 and they were not able to give me an update. 

This is not a valid debt and my credit file should be updated and a letter sent with verification of this. Conn 's has all the information they need to remove this debt. I would be happy to provide Conn 's yet another copy of my bank statement showing payment made.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within XXXX XXXX XXXX.
Product: Debt collection

This debt was paid in 2015 with the promise to delete. It was originally with XXXX XXXX and it has been sold. I dont think the new debtor was aware that this account has been paid. Also I have disputed this information before but I never received a response back from the credit bureau.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX BEEN FIGHTING THIS SINCE THE BEGINNGING OF THIS YEAR WHEN I NOTICED THIS. CAN YOU REMOVE THIS ILLEGAL ACCOUNT OFF MY EQUIFAX REPORT. IT IS HURTING MY SCORE PLEASE REMOVE THIS ACCOUNT. THE ONLY THING I HAVE BEEN ADDING TO MY REPORT IS POSITIVE INFORMATION CAN YOU PLEASE REMOVE THIS OFF MY REPORT GREEN DOT BANK {$13.00} DATE OPENED XXXX, XXXX, XXXX PLEASE REMOVE THESE ILLEGAL ITEMS OFF MY EQUIFAX CREDIT REPORT AND CAN YOU PLEASE FREEZE MY REPORT! PLEASE REMOVE THESE PLEASE!
Product: Debt collection

I would like to formally submit a complaint against this company for several violations, including their failure to provide validation proof of the alleged debt. I request once again that this company provide me with the requested documents. Additionally, I ask that the CFPB and other consumer protection agencies review this matter.
Product: Student loan

Naivent, has been calling non - stop, I told them to stop & they wont, I co - signed a loan for my son. Somehow they got my wives cell phone number now she isnt involved in the harassment & now they are calling and constantly harassing her now as well she has nothing to do with the loan. I make payments by due date but they keep calling us before the due date. Within a few days of making payments the calls start and they dont stop.Please help us this has gotten way out of control. Please Help Us
Product: Checking or savings account

On XX/XX/21 I deposited 3 money orders ( guaranteed funds ) to cover a payment that is coming out of my account by my apartments. At no time was I told via the mobile deposit ( which I was forced to do, do to USAA 's remoteness of deposit taking atm 's ) that there would be a hold placed on my deposit. When I called and spoke to a representative and explained the circumstance I was told there was nothing they would do. I explained the peril of XXXX and the ease USAA could take to verify the funds and offered to provide a copy of the money order receipt was still told " to bad so sad '' It seems USAA would rather have a XXXX veteran instead of releasing funds.
Product: Bank account or service

I have had an account with NetSpend Debit for three years. On XXXX XXXX, 2016 filed a dispute for an inaccurate purchase that took place on XXXX XXXX, 2016. Because I did not receive the product from the vendor. After 15 days plus, I was told that I was not going to receive credit for the amount disputed because the transaction was over 120 days. I requested to have a copy of the Statutes of dispute filing limitations of which I was refused. I received a call on XXXX XXXX 2016 from the NetSpend corporate office and was told that I was not going to receive credit or further investigation based on their policy of " Safe Harbor Law ''. My issue is that their is nothing in any of the marketing literature, documents that I signed in entering the agreement etc. I am demanding to have in document form the policy that states the statutes of filing disputes over 120 days based or due to the " safe harbor rule ''.
Product: Debt collection

Daily pays has my account with an owed status of over {$700.00}. I use this app to access my pay early I have know control over anytime but the money I can access so they need to collect the debt from XXXX and not me that was there mistake!!
Product: Credit reporting

On my credit report there is a line item under the section titled " Hard Inquiries '' from a Company called XXXX, dated XX/XX/XXXX ( to be removed by XX/XX/XXXX ). I had to look them up because they were the only hard inquiry on my report that I did not recognize. They turned out to be XXXX. I do not have any XXXX credit cards nor have I ever applied for any XXXX payment arrangements. I sent a letter to Equifax because my credit score is fairly low and any help that I can get will benefit me, but I have not heard back from them yet. Pease provide me with some assistance with this issue? Again, any help will be greatly appreciated.