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

Last fall our card was charged with a very large transaction ( almost {$3000.00} ). I was only notified of a suspicious charge by email. Unfortunately this email doesnt go to my phone ( though the cc company also has my cell number and did not send a text ). I didnt get the email until the next morning. When I called the company about it, they claimed a call came in minutes after sending out the email, from a person claiming to be me that said, let the transaction go through ( Problem # 1 ) Now when I called, I had to give all kinds of identifying information that no one but myself or my wife would know, so how could that be?? ( Problem # 2 ) They closed the card, said they would send out a new one. I checked back numerous times to make sure the fraud charge was removed on my online account. One of those time, it occurred to me to change my contact email so I could be reached more efficiently since they didnt text me. Lo and behold, in the address section there was an unrecognizable address! Someone, these same perpetrators, somehow, had logged in!!! And changed my address! In addition, I realized the service person I had spoken with about the initial fraud NEVER verified my address before sending a new card out! Ive had cards sent before, sometimes for reasons I dont understand, my credit card companies say its been compromised, but dont expand and change out card, but always verify our address ... this person did not. Well now at least we had an address for the criminals!! When we called the fraud department we asked if they were going to go after them, report them, etc ... No, thats not our job What?? 
( Problem # 3 ) We decided once we get the card paid off, we are closing this account, because they do not take their security strongly. Unfortunately, in XXXX when it was paid, we had a large credit to the account. A purchase from the fall of a curriculum subscription that wasnt supposed to start until XXXX needed to be credited back. I told them the account had changed ( the curriculum company ) and they said by law, it still has to credit to the same account for 6 Months. Well, it didnt credit to our account. I finally contacted Discover, they looked it up and said, oh, yeah ... a credit came in on XX/XX/XXXX for {$190.00} to your old account. ( It was XXXX, by the way! ) You have to request that that be transferred over to your new account ( it all has the same balance by the way ). We can do that. It will take 3-5 days. It is now XX/XX/XXXX. The credit has still not come through. I contacted them again. They are checking on it. My account is paid off. This is money I have paid to Discover and XXXX XXXX has credited back to me and I cant get my own money.
Product: Debt collection

Spring Oaks Capital , LLC furnished an alleged debt on my XXXX, XXXX, and XXXX credit report which is illegal & a violation of 15 USC 1692c ( b ), & 15 USC 1692b ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX 
On XX/XX/XXXX, XXXXXXXX XXXX  add a hard inquiry on my credit report per XXXX 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Checking or savings account

My friend XXXX XXXX was having a party and needed his house cleaned. I helped him find a cleaning company Called XXXX XXXX. The quote was {$320.00} which XXXX XXXX agreed to. XXXX XXXX XXXX said he needed a deposit of {$40.00} to confirm the next day cleaning service. XXXX XXXX said he did not have his credit card on him and asked me to put the {$40.00} on my card and he gave me cash. I asked XXXX if I could pay the deposit and they could collect the balance of {$280.00} from XXXX after they cleaned his house. He said they could do that. He sent me the paperwork and the bill for {$40.00} which I signed and paid on my debit card with Wells Fargo Bank on XXXX XXXX XXXX. 
At the end of the month I saw a charge for the {$280.00}. I wrote an email to XXXX XXXX and asked them why they charged me and gave them XXXX 's name, address and phone number and said he was the one who was suppose to pay. I sent XXXX emails to XXXX and disputed the charge with Wells Fargo Bank. In the beginning of XXXX XXXX said from the paperwork RH sent they determined I have to pay. I did not agree and was upset. XXXX said they would send me the paperwork to look at how they determined their decision. Meanwhile I closed all my accounts with WFB with whom I have been with for over 20 years. I never got the paperwork and had to request it again. 
I just got it dated XX/XX/XXXX. I see where I signed for the {$40.00} but never {$280.00}. I see the total bill of {$320.00} which I never signed for and there is no receipt for {$280.00}. There is a signature with date of XXXX XXXX which was for the {$40.00}. That is the only copy of my signature. There is a bill of {$320.00} that they attached my signature of the {$40.00} dated for the XXXX, My debit card was charged the {$280.00} XX/XX/XXXX as XXXX did not collect money for XXXX XXXX and decided to charge me instead without my approval. 
I will not pay this charge as I did not authorize it. XXXX should not have paid XXXX. XXXX should also not charge me and put me into collections which would harm my credit report. I contacted XXXX today and they said the account was closed and I needed to take it up with XXXX. I already tried that. I expect XXXX should protect their customers especially those who have been with them for over 20 years. The claim # XXXX
Product: Debt collection

This is a cumulative and extensive history of harassment that has continued since XXXX by XXXX XXXX, XXXX XXXX XXXX, Aldridge Pite , LLP and XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX to collect a paid-in-full debt from my parents estate. I have filed on the record extensive paperwork in regard to my private property in XXXX XXXX, Arizona. The debt was discharged in full and paid. XXXX XXXX  XXXX XXXX aka XXXX XXXX XXXX, XXXX. double dipping securities for funds, committing fraud and working in collusion with XXXX XXXX XXXX XXXX XXXX in Arizona have continued to find ways to break and enter my property through different companies, harass me, engage several companies to aid and abed to Securities Fraud and ignore documentation in honor to attempt to resolve this matter. We had the opportunity to resolve this matter peacefully and in honor and now I will and/or have filed with the Arizona U.S. District Court XXXX IRS, CID, Postal Inspector General, Treasury Inspector General, XXXX, SEC, FTC, CFPB, DIFI.AZ.GOV and others if necessary. I have extensive correspondence, recorded documents and exhibits aside from what is attached hereto in regard to these executor de son tort actions against my parents ' estates. My Affidavit Commercial Complaint against 6 corporations ( there are more involved ) includes Civil Rights Violations, Trespass & Harassment, Consumer Rights Violations, Violation of the National Currency Act of 1863 & 1864, 12 U.S.C. Sec. 38 the National Bank Act of 1863 & 1864, Title 18 U.S.C. Sec. 641 Unlawful Conversion of Public Records, Theft of Property, Title 18 U.S.C. Sec. 241 & 242 Conspiracy Against Rights, Title 42 U.S.C. Sec. 1866, 1983 and 1985, FDCPA Violations, Act of Eminent Domain Violations, AZCPA Violations, Scienter Act Violation and finally Securities Fraud. These companies include Aldridge Pite , LLP and/or d/b/a Clear Recon CorpXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX along XXXX XXXX XXXX XXXX as XXXX and XXXX XXXX XXXX.
Product: Student loan

I made a pay off payment in XX/XX/XXXX on the balance of my student loans to MOHELA. But in XX/XX/XXXX I received a bill for a payment on a loan that was paid off. When I signed into my account, my balance was still there or in some way reinstated. I called Mohela. They can not find the ACH transfer that was used to pay off the account and says there is no record of one. But they can see I called and made a pay off request. I was not issued a 1098-E for XXXX but I was issued one for {$0.00} interest paid in XXXX. Which is odd if payment wasn't made and I had a balance. None of the payments I have made to my balance are showing in my online account portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I called trans union as well as the creditor to have fraudulent inquiries removed from my trans union report. And as of today XXXX they are still listed on my report.
Product: Credit card

Citi sent me a credit card to my house. I received it and activated it. Tried to purchase something but failed. I called the agents and the supervisor but they didnt want me to use my card without receiving a letter with a reference numbers. They should never do that to me and make me wait for more days. They should also sent it to me the same day they sent me a credit card. Worst of all, Im going on vacation next XXXX XXXX
Product: Money transfers

Paypal held my funds for over 21 days, which is beyond their contract and beyond the Electronic Fund Transfer Act allotted time frame in which to pay. 

The CFPB.gov is more than aware of the problems with Paypal holding funds to collect interest. Why is the CFPB not doing anything about this? Who may this be escalated to?
Product: Checking or savings account

On XX/XX/XXXX, I funded a XXXX CD account with BMO Bank with {$15000.00}. On XX/XX/XXXX, upon maturity, I closed the account and was informed that I would receive a check via mail. Now, nearly a week after the latest date by which I should have received the check, I still have not received it. I have called BMO several times to inquire about its status and, after sitting on hold for several hours between each call, still have no further information. XXXX, a representative told me I have two choices : ( i ) wait and see if the check magically appears ; or ( ii ) cancel the check and wait 90 DAYS before they will even issue a new check. BMO, as far as I am concerned, is refusing to hand over nearly {$16000.00} of MY MONEY and is not even able to tell me where the funds are and refuse to return them in a timely manner. Unethical? Absolutely. Illegal? If it isn't, it sure should be. I demand my funds in full, with additional interest, immediately.
Product: Vehicle loan or lease

I HAVE BEEN WITH THIS COMPANY FOR 3 YEARS. MY INTEREST RATE IS OVER 20 %, I HAVE FEES ASSOCIATED WITH MY ACCOUNT OVER {$800.00} WORTH OF FEES THAT CA N'T BE EXPLAINED, THEY TELL ME THEY CHARGE INTEREST PER DAY YOU ARE LATE, CAUSING ALL KIND OF EXCESS DEES ON MY LOAN, I HAVE HAS THIS VEHICLE SINCE  XXXX   XXXX , ORIGINAL BALANCE WAS  XXXX  AND IT 'S NOW  XXXX   XXXX , MY BALANCE IS STILL  XXXX  AND NO ONE AT THIS COMPANY CAN EXPLAIN TO ME WHATS GOING ON. THEY CLAIM IT 'S DUE TO LATE PAYMENTS, I GOT EXTENTIONS WITH THIS COMPANY AND FOR THAT TIME, THE PAYMENTS WAS SUPPOSE TO BE PUT ON THE END OF THE LOAN, DATES ARE  XXXX ,  XXXX . HOWEVER, THE LATE ITS 'S SHOWING LATE PAYMENTS FOR THE MONTHS I GOT EXTENTIONS FOR, I HAVE ASKED THIS COMPANY TO REMOVE THE LATE PAYMENTS FROM MY ACCOUNT ON SEVERAL OCCASIONS AND THEY ARE RUDE AND ALL THEY TELL ME IT 'S NOTHING THEY CAN DO, THIS IS SHOWING UP NEGATIVE ON MY CREDIT REPORT AND I WOULD LIKE TO HAVE THIS RESOLVED.
Product: Money transfer, virtual currency, or money service

XXXX has not verified my identification even though I have followed their instructions several times on various devices.. 

It has been at least a week Without ID verification, I can not access my funds at all ... 

This scenario started on XX/XX/21 and has not resolved as of today ( XX/XX/21 XXXX ) Emails dated XX/XX/21 and XX/XX/21 requested a refund of my funds ... especially after I read the numerous complaints regarding their " customer service '' ... 

This is when they stopped communicating about my issue altogether ... 

I also asked for a live person to contact me but that will be probably be useless based on the numerous complaints about that scenario ... 

I want a full refund of current funds so I can go to another company ...
Product: Credit reporting or other personal consumer reports

" Your agency is in violation!

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 if the person knows or has reasonable cause to believe that the information is inaccurate. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX - XXXX {$6300.00} XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX  XXXX - XXXX
Product: Credit reporting or other personal consumer reports

This is the third time I have now had to submit this complaint because Experian keeps giving me the runaround and CFPB keeps closing the case even though there is no resolution. 
The first time Experian responded they said they reviewed my attachments ( which I had none ) and stated they verified the negative information in my account was correct ( which there is no negative information ). The issue is they lowered my credit score by more than XXXX points for no reason whatsoever. 
After my second submission, Experian waited until the deadline then responded with we need more information. I already sent the information they requested several weeks ago.
Product: Credit card or prepaid card

On XX/XX/2019, I tried to transfer a little part of my American Express Membership Rewards that I earned by using American Express credit cards to my XXXX XXXX  account. When I initiated the transfer online on the American Express official website, I got declined because they claimed that my points are under review. I then called the customer service number, and talked to them for over an hour, during which they transferred me back and forth among the same two or three departments. In the end, they were still not able to help me transfer this very small amount of points over to XXXX XXXX account. 

I have been a loyal American Express card user, and I earned these points by using my credit card, and I have always been paying the balance on time -- never missed once. I have not used or transferred my Membership Reward points in a very long time. And for this one time I wanted to transfer a tiny part of the points, I was refused to do so.
Product: Credit reporting or other personal consumer reports

An acont was remover called all three credit reporting agencies it was back on to day all three gave run around and could not tell why it was back on as XX/XX/2024 2024
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. My personal information was used to obtain credit and loans without my knowledge or consent, including an account with XXXX XXXX. I recently learned that XXXX XXXX reported a fraudulent account as delinquent/charge-off of my Transunion credit report ; however, I was informed that the account was sold to XXXX XXXX and that XXXX XXXX is reporting the account to Transunion. I have been unsuccessful in my attempts to speak to anyone at XXXX XXXX and they continue to report this fraudulent account on my report.
Product: Mortgage

I applied for a loan modification earlier this year with XXXX XXXX XXXX XXXX. The modification process was being serviced by Bayview Loan Servicing. The purpose for my request for the loan modification is that my mortgage payment is {$770.00} with an interest of 6.750 %. I live on my Social Security and can not afford the payments. The bank is willing to adjust my mortgage by only {$84.00} per month while keeping the interest rate they charge at the same 6.750 %. 

The reason they gave was that I had equity in my home. They said my " loan to value '' ratio exceeded 80 % and they valued my house at {$100000.00}. I completely disagree with their valuation based on the appraisal that makes no sense to me. 

Their appraisal noted that I have a 2 bedroom, 2 bath home. They also showed that my home has a pool. Neither fact is true. I have only 1 bathroom. I live in a rural area.. The 3 comparable listings they used had either more bedrooms or more baths. Each would add value that I do n't have. They claim the average time on the market is 120 days. The 3 homes have been listed for 4 months, 5 months and the last one more than 7 months. Obviously the 120 day figure is inaccurate. These other homes all have more rooms than mine and are priced above {$110000.00}. But they have n't sold and their value should not be used as a barometer for what mine should be worth. 

Of the 3 comparable sales they used, only 1 property sold in excess of {$100000.00} ; the other 2 were at {$74000.00} and {$75000.00} respectively The {$100000.00} sale had a 3rd bedroom and was 1800 square feet. My house is only 1122 square feet. I 'm not sure why they would say my house that is significantly smaller would be valued at nearly the same price! 

Finally their report shows the condition of my house as good. I live in a log cabin. The logs need to have a varathane coating for protection every couple of years. I have not been able to do this. I have a septic tank that needs attention and the home has a well pump and pressure tank that has not been replaced since the house was built over 20 years ago. There is other deferred maintenance including tree removal and roof repair. I live in a mountainous area and have no central heat ... I use a wood burning stove for heat in the winter. 

None of this was factored into the evaluation of my home and the only house to sell over {$100000.00} is not nearly close to what my house is. The other sales make much more sense.
Product: Consumer Loan

I purchased a XX/XX/XXXX Dodge XXXX from XXXX on XXXX/XXXXXXXX, financed through XXXX financial. 
I paid {$1000.00} down payment and purchased a {$1600.00} care care agreement. My XXXX payment was due XXXX/XXXXXX/XX/XXXX. I made my XXXX payment on or about XXXX/XXXXXX/XX/XXXX. 
2 weeks prior I canceled my care care agreement and {$1600.00} was refunded to XXXX financial. My down payment or the refund from the cancelation of the car care agreement was applied to my account. 
The XXXX 2 weeks a representative named XXXX XXXX would call private to my mobile phone but wpuld never state her business and laugh and hang up. I figured out it was my finance company because she finally left a voicemail box and the number was XXXX financial. She uses profane language, tells me to shut up she is speaking, she threatens me, asks me where my car is. She says XXXX never received my car payment but refuses to provide documentation. They have tried to process additional payments out of my banking account without authorization. I have reason to believe the representative XXXX calls from her personal cell phone blocking her number because she calls outside of the company business hours. When she calls I say may I ask who is calling she refuses and immediately starts asking personal information. This same representative calls a family as well late at night harassing him. XXXX makes false statement regards of why I financed my vehicle. She is extremely disrespectful. I asked her to stop calling repetitive in a single day and calls XXXX. She just stsrts yelling and making threats. She said she could put me in jail if I dont tell her where my vehicle is. But refuse to show proof of my account being 48 dsys past due,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is furnishing fraudulent information on my credit report. I've reached out to them multiple times to handle situation. Due to them furnishing such information on my consumer credit report it is hindering me from receiving new credit to help put my family in a better position. The inquiries on my consumer credit report are fraudulent and Equifax has yet to prove otherwise. I've reached out to receive proof of any kind of inquiries not being so and they have yet to supply me with any documentation or anything.
Product: Credit reporting or other personal consumer reports

I am filing this complaint with the Consumer Financial Protection Bureau to address an ongoing issue with inaccuracies in my credit report. In a recent letter to Experian, I provided documented evidence demonstrating that five late payments on my credit report, associated with the UNIVERSITY XXXX XXXX  account ( XXXX ), were falsely reported. These inaccuracies were proven to be erroneous due to my prior enrollment in autopay. 

Despite the compelling evidence presented in my dispute letter, my credit report has not been corrected. These inaccuracies have adversely impacted my creditworthiness, making it challenging to obtain credit and financial opportunities. 

I am seeking the intervention of the Consumer Financial Protection Bureau to ensure the immediate and accurate rectification of my credit report. My primary goal is to have these false late payments removed promptly to restore my creditworthiness to its rightful state. 

I appreciate your attention to this matter and request your assistance in resolving this issue promptly.
Product: Student loan

Entered agreement with Performant Recovery Inc. to pay nine months of agreed upon payment to have my Federal Student Loans Rehabilitated. When the nine month period was satisfied Performant indicated they calculated my payment wrong and that I needed to start the nine month period over.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my account is XXXX I had an auto load in good with bbt aka truist. The vehicle was totalled and my insurance company paid the vehicle off in full. I made a full payment to keep the account current before the payoff and now my credit has been trashed minus XXXX points cause it was marked as late in XXXX but now paid off. i did nothing wrong and that account was paid on time and in full and I demand the credit be corrected to reflect the account in good stand this was like a slap in the face as we part ways and I am so XXXX XXXX. I will be filing state regulator complaints and filing a detailed complaint with the southern district of new york as I reside within that jurisdiction at my parents ny residents until my credit is restored.
Product: Debt collection

I have consistently contacted the company pertaining to the matter at hand. They have continued to using threatening tactics and even have stated that they do not and will not remove the debt thats not mine. I do not of the vendor that has hired the company nor where is it even located as I have never even been in the State of reference.
Product: Credit reporting or other personal consumer reports

A letter was sent to LexisNexis in regards to a bankruptcy that is being reported on my credit reports ; XXXX, XXXX, XXXX and XXXX every month this year ( 2024 ) stating that they didn't have my consent to report the bankruptcy. I received a letter from the US Bankruptcy Court and they stated that they didn't provide the bankruptcy information to ANY of the credit agencies. This should be removed as they didn't have my consent or the Bankruptcy Court to report this on their credit reporting platforms.