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

On Saturday, XX/XX/20, I received a paper check from my employer and deposited it into my Axos bank account using their mobile app. On Wednesday, XX/XX/20, I realized that the checks I had ordered for my account were never delivered, so I called Axos to inform them. They opened a new account for me and placed a restriction on my account. At that time, the check that I had deposited was still processing and was not available to transfer to my new account. On Friday, XX/XX/20, the check was still not showing on my account, so I chatted with a customer service agent and asked when it would clear. The agent said it would clear on Monday, XX/XX/20. I asked if the restriction could be removed from my account, and the agents said he would ask a supervisor to remove it. 

On Monday, XX/XX/20, the check was still not available, and there was still a restriction on my account. An online transfer I had made weeks before was now showing, so I attempted to transfer that money to my new account. However, my old account did not appear on the list of accounts from which I could transfer money. I also had a support message in my account inbox stating that they could not remove the restriction and that I could transfer my money to my new account, which was false. 

I called customer service again, and the agent told me that my account was restricted because they didn't have a signature card on my account, which was note true for two reasons : 1. they do have a signature card on file, and 2. the restriction was put in place because my checks were lost in the mail. I explained this to the agent, and she put me on hold and then I was disconnected. 

I called back and explained it all again to another agent, who told me that they didn't have to restrict my account at all because they could have just canceled the checks. She also explained that when an account is restricted, money can't be transferred out of it. She said she would see if she can remove the restriction, and I explained that I was told that was not possible. So she said she would request to have the account made " visible '' so I could transfer money out of it, but that it would take 24-48 hours. She also told me that the check I had deposited would be available that day. However, I checked my account 3 hours later, and it still wasn't available. So I chatted with another agent, and he told me it would be available on Tuesday, XX/XX/20. This was after 2 other agents told me it would be available XX/XX/20. I told him that I needed to take my money out that day, and he just apologized and thanked me for my patience. 

My money is currently being held in a restricted bank account that I can not access, and no agents at Axos bank will transfer it or remove the restriction for me. My paycheck has also been on hold for 9 days, and I am behind on paying all of my bills because of it. I'm tired of being told to wait for my money to be released. I should be able to access it now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with identity thrift for almost XXXX years now with mis use of my information and fraudulent information on my credit reports I have reached out to credit companies multiple times for dispute I have tried disputing on my own no help I would like these fraudulent information off of my credit reports
Product: Debt collection

Spring Oaks Capital LLC is attempting to collect on a alleged debt that was deemed fraudulent from the Original Creditor XXXX XXXX. They claimed to validated the debt, but couldn't have because the Original Creditor would have told them it was closed due to them determining I never opened the account. Spring Oaks Capital is knowingly continuing and refusing to report unverified fraudulent information which is greatly affecting my livelihood
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

I opened an account with Creditfresh in XXXX, XXXX. Had issues with repayment starting in XXXX. Spoke to several reps that gave incorrect information regarding credit reporting, status, etc and filed a complaint. 

I was told that I had until XXXX   to bring the account current to avoid default. On XXXX the account was placed in default, which resulted in credit reporting. 

Numerous times I have become aware of phone calls being recorded without being made aware.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Bridgecrest multiple dispute letters asking for validation of debt bearing my signature ( which they have to provide according to FDCPA and FCRA ) with the first letter starting on XX/XX/2020 which was signed for by them via certified mail receipt on XX/XX/2020 ( I have proof ) about an account on my credit report showing that I owe {$10000.00}. They responded claiming they didnt have enough information to look into it. That is false, I provided my name, address and social security number. Also the amount owed and the account number showing on my credit report. They failed to mark the account as in dispute on all 3 credit bureaus within 30 days of my dispute which they have to do by law. Till this day it hasnt been marked as in dispute. I sent them another letter on XX/XX/2020 ( with certified mail receipt of signature on XX/XX/2020 as well XXXX letting them know they did not comply with the law and they must now remove it from my credit report. I let them know they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. They responded on XX/XX/2020 but nothing was done nor was it marked as in dispute. If im able to, attached you will proof of both of my letters sent to them via certified mail and proof of being signed for via certified mail receipt. As well as Bridgecrests most recent response to my most recent letter sent to them.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft fraud the ending of last year about 2 months ago I had an acount added to my credit file by the company Affirm I called the company but they coul not find my account with my personal info I provided but the Affirm company still has it on my credit file and are trying to charge me monthly payments on it this is NOT my acount could you please help resolve this problem. 
My name is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Citibank, has ruined my " excellent credit, '' over one late payment in over 18 years with them. I have asked them to re-look at my entire record and they refuse. How can a Credit Card Company ruin an " excellent paying customer ', with one late payment over 18 years of " on time payments, '' most with payment in full? In my opinion, the credit card Citibank is acting as a XXXX to a long term customer. 

Please assist me in exposing this Consumer Abuse to the public. I am also a XXXX XXXX XXXX, Veteran. 

Thank you. 
XXXX XXXX XXXX, XXXX XXXX, XXXX. 

Please do not accept their response without looking at all the documents. Thank you.
Product: Vehicle loan or lease

I deferred 6 payments on my car loan, and the payments that were deferred were added to the end of my original term due to mature aroundXX/XX/XXXX I am currently making my payments on those deferred payments and the new maturity date is set for XXXX/XXXX/XXXX. They are telling me i will have a balloon payment of around $ 2k still owing to interest at the end of my loan but i am paying the interest from those payments right now. There should be no balloon payment at the maturity date because they can not charge additional interest on the interest i am currently paying. When the payments are deferred the P & I payment is deferred for that time period and they are telling me that after they placed those payments at the end of my loan, they still charged me additional interest until my next payment was made which means they are charging me interest twice for the same time period
Product: Credit card or prepaid card

I have a Fifth/Third Bank 360 Prepaid Card. 
They run a scam on customers whenever they check into a hotel. The Prepaid Card held itself held XXXX pre-authorization fee whenever I checked into a hotel. They try to steal this fee if you are not paying attention and do not know when it returns. 
I want my XXXX back. This was not in the card contract. Misleading behaviors
Product: Credit reporting, credit repair services, or other personal consumer reports

This has been a reoccurring problem I have had with Chase. On XXXX XXXX, 2017 my credit was ran once again without my knowledge/permission with a fraudulent application. I spoke to Chase and they only removed the prior fraudulent inquires not this most recent one. This is now the 4th time someone has attempted to get a Chase/Amazon card in my name.
Product: Checking or savings account

I have been locked out of my Chime Banking account since XXXX of 2022 due to not being able to provide a valid XXXX ID since I have moved out of the country. 
I have been constantly in touch with Chime 's customer support providing them with documents ever since, but my account is still locked. I am in a constant loop with customer support, but nothing gets resolved, and every emai response I receive is an automated message. 
I have been desperately trying to get a real life person from the support team with the right authorizations to unlock my account to contact me, but I am never contacted by any member of the support team. I am in desperate need of the money saved in my account and the bank is treating my case with gross disregard.
Product: Debt collection

Wakefield and associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Knows my collection is medical debt and after disputing with the 3 credit bureaus and winning they continue to post my collection debt weekly just to get it placed back on my credit bureau this has been going on for months and originally I let this go because I knew the day would come in 2023 when medical debt would not be included but they continue to use deceptive practices to lower my fico score by updating the same medical balance under {$500.00} to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

Venmo closed my account with them permanently and refused to provide a reason. I offered to give them any information they require but they went silent only repeating the same message as quoted below. I have also been on the phone with their customer service but they were vague and refused to explain why they closed my account. In addition, they are holding my {$430.00} for 180 days. Please assist. Thanks " You have a new message from Venmo regarding request # XXXX. To respond, simply reply to this email. 

Hello, Thank you for contacting us. 
After reviewing your account, we have determined that it is not eligible for reactivation due to concerns regarding your activity. Your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do it is to help improve the safety of the Venmo community. 
If you are reaching out to inquire about a remaining balance in your account, please know that the funds in your account will be held for up to 180 days for loss prevention purposes. We will contact you at the email address on file with your Venmo account should these funds be available for transfer in the future. 
Please be aware that any future contact or inquiries will not be answered and that this matter will be considered closed upon your receipt of this email. 
Thank you for your understanding. 
Team Venmo ''
Product: Credit reporting, credit repair services, or other personal consumer reports

A follow suit letter was sent out to XXXX on XX/XX/23 to remove item ( XXXX  ) as it was removed from the other credit bureaus. 

Ive also sent out a letter to Transunion and XXXX on XX/XX/23 for method of validation of accounts named : ( XXXX & XXXX XXXX ). 

Another letter was sent out to Transunion on XX/XX/23 to remove unauthorized inquiries on my credit report. The negative items are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), under federal law, the credit bureaus have 30 days to complete the investigation, with physical verification of the original signed consumer contract. Which the credit bureaus have failed to do so.
Product: Mortgage

In XXXX XXXX XXXX we received the escrow year projection for our mortgage. For some reason the PMI had jumped from XXXX to XXXX per month for no reason. We connected the mortgage company to have the PMI removed off the account. A written request was then sent in. The mortgage company then said we would have to wait til the balance was below 78 % of the value which the home was already at or we can pay XXXX for a property value evaluation. So, we paid the XXXX , Never got the evaluation from the company that did it. They said we had to get it from the mortgage company. On XX/XX/XXXX we finally got a letter saying the pmi would be removed on the XXXX day of the next month. Which should have been XX/XX/XXXX. But we where still charge ever month after that and the new escrow statement shows it for all of XXXX. I have enclosed the statement and the escrow statement as well. 
The house was bought on XX/XX/XXXX for XXXX and the loan was for XXXX So at 78 % would have been at XXXX in XX/XX/XXXX the balance was XXXX They PMI should have been dropped then, but since the time of the load reaching 78 % will have still been charged the PMI.
Product: Credit card

RE : CASE # XXXX Bank of America There was identity theft and identity compromised. 
I have filed for a police report and the FTC identity theft victim affidavit report, and copies have been forwarded to this bank Fraud and Claims department. 
BANK OF AMERICA did not address this issue, and this is a claim filed per Federal Trade Commission, a file putting in complaint dispute with credit institution on debt collection and mitigating loss incur by XXXX of " XXXX '', " XXXX '', " XXXX '', XXXX ''. 
Payments were made and reversed by above mentioned company " XXXX '' USING MY IDENTITY TO XXXX TELEPHONE AUTOMATED SYSTEM. 
I ASKED Bank of America THAT THE CHARGES BE TAKEN OUT OF MY BILLING WITHIN 30 DAYS AS OF XXXX. 
PLEASE HAVE THE INSTITUTION LET ME KNOW WHEN THE CHARGES ARE REMOVED.
Product: Debt collection

XX/XX/2022 this happen these two people I know took my information and open a credit card under my name and put that credit card on the apartment that they were staying in for rent and now that credit card is in debt for {$9000.00}. I have two police reports on them for fraud.
Product: Credit card

Chase sent me a 1099-MISC for {$200.00} ( account ending in XXXX ), yet they're claiming that the reported amount to the IRS is {$1200.00}. Despite reaching out to various representatives, none provided assistance. Some promised to resend the form, but failed to do so.
Product: Debt collection

Signed to Help my daughter get funds for an, elective, XXXX. Was not told I was primary. Thought I  was co-signor. Was never told there was a problem until I received a call from a collection agency. They told me I owed {$13.00} dollars. I had asked the bank to be notified if my daughter missed a payment. That was in XX/XX/2019. The next notice I get was XX/XX/2019 from the collection agency. I tried calling the bank, Synchrony, they refused to give me any information. Not disputing the money is owed, just trying to find out why I was left in the dark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they  would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Checking or savings account

My account was hacked into, they reversed 8 charges from my account that was not authorized by me the account owner. Chase bank did not let me know that these charges got reversed and I ended up loosing {$1400.00} on XX/XX/22. I called chase to get my money back but because the person XXXX it to themselves chase said that they can only let XXXX know and take that persons account down but could not do something about the {$1400.00} and did not give it back after several attempts of calling and talking to the fraud department.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against SoLo Funds, Inc. regarding deceptive and abusive practices related to their small-XXXX, short-term lending platform. 

I took out a loan of {$350.00} through the SoLo Funds platform. However, during the loan application process, I was misled about the true costs involved. SoLo Funds advertises " no-interest '' loans, but then prompts borrowers to select a mandatory " tip '' for the lender as well as a " donation '' to SoLo Funds itself. There was no option presented to select a 0 % tip or donation. 

By obscuring these extra fees as " tips '' and " donations '' rather than clearly disclosing them as interest and charges, SoLo Funds deceived me about the total cost of the loan. The {$350.00} loan ended up costing me {$450.00} after the lender " tip '' and " donation '' were added. 

SoLo Funds ' actions constitute deceptive practices in violation of the Consumer Financial Protection Act. They misleadingly marketed a " no-interest '' loan when in reality the mandatory fees resulted in an annual percentage rate well over 36 % - well over the 6 % allowed in Pennsylvania. Their convoluted fee structure obscured the true cost of the loan. 

I am requesting that the CFPB investigate SoLo Funds for these deceptive lending practices and violation of truthful advertising standards. Appropriate relief should include restitution for affected borrowers, disollution of current loan, disgorgement of ill-gotten gains, and penalties sufficient to deter such abusive conduct in the future. 

Thank you for your attention to this important consumer protection matter.
Product: Credit reporting or other personal consumer reports

Hl Collections has been removed and updated as on-time payments ; they are still reporting it as open and with a balance.This is inaccurate ; a 1099-c was filed and they took it off updated and they put it back on as open that is illegal
Product: Checking or savings account

When I take XXXX or XXXX theyll charge an authorization hold and then go to refund it its deducted from my balance but it never shows back up in my account they tell me that that just drops off so lets say Ill start with {$300.00} XXXX of it went for authorization holds in XXXX all the sudden they dropped off but the {$200.00} never came back in my account yesterday there was an extra {$260.00} in my account that was not there before today its goneThen my taxes came in and it deducted it from my taxes instead of the {$260.00} that was in my account and apparently not all of my taxes are there I dont know also signed up for unemployment my employment was deposited on the XXXX Ive never received it yet its never showed up on my statement so when trying to set up the payment on it the app to wear when Posits come into my account I receive an email it wont let me
Product: Mortgage

Received deceptive advertising from - XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL NMLS # XXXX The letter stated that, 'Your conventional loan ... has been identified as benefitting from the aggressive enhancements made to XXXX XXXX eligibility. ' I checked XXXX XXXX XXXX site and did not readily identify any recent significant changes to their portfolio/salability requirements or guidelines as described in the advertisement quote above. 

https : XXXX
Product: Credit card

Unable to delete my account and they charged me without my consent. I tried to delete the account days before they charged me but didn't go through.