23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased a money order to pay for my employment authorization form. I was not asked for identification at the time. The money order was returned to me by  Homeland Security since the amount was not needed. I returned to cash the mone y order and I was told to provide a valid identification or else it can not be refunded to me. I just applied for   XXXX   XXXX   and I am a student at  XXXX   XXXX   XXXX   XXXX   XXXX . I came to t he USA o n  XXXX   XXXX . I provided my passport along with my receipt for adjustment of status and my student Identification card but they would not accept it. They still have my money. Kindly do what you can to help me get my money back. Attached are documents relevant to this complaint. The money order, my student ID, and my receipt for adjustment of status as well as my passport. Please let me know if you need anything further.
Product: Credit card

See the attached documents. I want the bureau to start the investigation on these accounts that I am never late  for but they're reporting me as late.
Product: Mortgage

Midland Mortgage is still being deceptive and undermining the COVID-19 CARES ACT by not giving consumers the right options nor following the rules provisioned by the CARES ACT. I am currently in the process of exiting my Forbearance on XX/XX/XXXX ( please see complaint XXXX for reference and more context on my experience with MIDLAND MORTGAGE in regards to the CARES ACT provisions ). I would also like point out that they XXXX is not they loss mitigation number, its customer service. If you don't know to ask for a lost mitigation agent, customer service will pretend to be one and waste your time. On XX/XX/XXXX at XXXX pst I called XXXX and spoke with XXXX XXXX who acted like loss mitigation then confirmed she was not loss mitigation and I had to ask to be transferred and was greeted by XXXX XXXX XXXX a loss mitigation agent. I asked what are my options she stated I can go on the website and see the two options. They are the partial claim and foreclosure. I told her I wanted neither option but was interested in a partial claim Covid-19 re-modification and I did not see that option online. She did some mumbling incoherently and I asked again if she was loss mitigation. She said you and then began to take the application for the Covid -19 re-modification. My current mortgage is XXXX she stated me a re-modification number at XXXX. I informed that was still kind of high and can we get a lower number. She said no either take that number or enter foreclosure. I told her I would do anything to avoid a foreclosure. I then asked her how did she get that number and she stated she did not know the computer gave it to her. I told her I would be filing a complaint because the information I read on XXXX was very different from they are doing it. I read it would be a 25 % reduction and that the mortgagee will coherently calculate everything. I then asked XXXX XXXX if I had to pay the XXXX on XX/XX/XXXX or will they have it figured out by then. She stated she did not know and for me to wait until I receive mail from them. On XX/XX/XXXX XXXX pststill concerned I called XXXX spoke to " customer service '' got transferred to loss mitigation agent XXXX XXXX who finally acknowledged the provisions but clarity, proper proposal or extension. Midland Mortgage is not being very forward about this process nor fully following the process and it is stressful enough already dealing with this not too mention all the other things going on.
Product: Payday loan, title loan, or personal loan

I XXXX XXXX received a pre approval for a personal line of credit at Wells Fargo XXXX XXXX XXXX XXXX, pa XXXX the bank would not disclose my pre approval and did not follow bank policy. I have great credit and just want fair treatment for the request made.
Product: Credit card

This my attempt to allow Citibank to in good honor open my credit account. They previously denied my application and gave a fews which have no standing and they asked for my credit report be improved before being approved. 

I have made it clear that banks do not loan out capital as it is against 12 USC 83. Secondly, they said they couldn't approve me due to having collection reports in my credit report with XXXX. XXXX has removed all collection accounts from my credit report and all marks which Citibank used as an excuse have been removed indefinitely. 

I want my account opened immediately and my limit set in accordance the consumer open-end credit plan pursuant to 15 USC 1602 ( j ).
Product: Money transfer, virtual currency, or money service

PayPal said that my account was on hold for XXXX days due to suspicious activity but PayPal has no evidence to show or any proof and now i thought that i will get my money back after XXXX days but suddenly they already get my money without permission
Product: Debt collection

My SSN has been compromised and loans have been taken out that I had no knowledge about! I gave them my information which doesnt match the agreement they say they have minus my SSN and name yet its still reported as debts on my report
Product: Payday loan, title loan, or personal loan

I purchased a vehicle that was listed for {$6100.00}. I was told I would end up paying around {$12000.00}. I assumed this was the entire cost with financing. But it was n't I was going to have to pay over {$16000.00}. I was rushed through the paperwork via computor signing of the contract. The vehicle had issues and was n't worth what I was charged. It is/was a lemon. It kept breaking down on my. This last time it broke down out of state. Assuming the fuel pump went out. But it would not start. This just 7 months after purchase. I 'm on XXXX and ca n't afford a high payment for a piece of junk. I could n't afford to keep getting it fixed. I contacted Credit Acceptance who finaced the vehicle and told them to go get it. They call with robo calls day and night even calling on Sundays, which I know is illegal. But I think they take advantage of people by ripping them off charging outrageous prices for vehicles they know are n't worth the prices they are upping them to and suckering you into signing the contracts. More so when you cant get but a few months use before it breaks down.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections and accounts, XXXX XXXX XXXX XXXX  for the amount of {$13000.00} ; XXXX XXXX XXXX account XXXX ( XXXX XXXX ) XX/XX/XXXX for the amount in {$370.00} ; XXXX XXXX account XXXX XX/XX/XXXX for the amount in {$480.00} ; XXXX XXXX XXXX XXXX XXXX account - XXXX XX/XX/XXXX for the amount of {$520.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, AMERICAN EXPRESS add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX  and XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX.
Product: Credit card or prepaid card

Citibank recently pulled a credit report on me without my consent which is illegal and reduced my credit limit across all XXXX cards with them by XXXX without notice leaving me little to no credit for recurring bills and essentials like gas and ezpass and even medical care for my XXXX that goes on these cards. Because of this very drastic change without notice I was not able to financially plan well. Additionally, my credit score had recently increased and my income has significantly increased since completing school and starting a new job in XXXX. So their decision doesnt even makes sense. I made XXXX calls with XXXX recourse offered and was even hung up on, except to read the letter coming in the mail. Statements that had even closed on XX/XX/08, XXXX  days ago still stated my old limits. Reasonable notice should be mandatory.
Product: Vehicle loan or lease

I have been paying loan payments for years and today looked at how much I still owe. I also looked at how my payment were being applied to the loan. Most of my payment was going to interest. In two years I have reduced what I owe on the principle {$2000.00}. The cost of the car was {$12000.00} and still owe {$9900.00} after 2 years of Payments of {$330.00} a month ( {$8000.00} ). There is definitely something wrong in this equation.
Product: Credit reporting or other personal consumer reports

This late payment doesn't reflect my regular payment habits.
Product: Credit card or prepaid card

I unexpectedly worked late on XX/XX/2021 ; as a healthcare professional during these trying times this had become the new normal. I tried to pay my bill on line at work but had trouble signing on to the website. As mentioned above, I did not expect to work late that day but it turned out to be very busy with the increase in COVID patients that I could not leave on time. As soon as I got home, I went to pay my XXXX bill ( Comenity Bank ) on line. When I tried to pay the full balance on the computer upon my return from work that day, it jumped to the next day and the computer would not take my same day payment even though it was the same day ; XXXX to be exact. I proceeded to pay the balance in full and followed up with a telephone call asking if I could get the {$29.00} late fee waived. Customer service responded that the late payment can not be waived. I then asked to speak with a Manager ; the Manager told me that they had no authority to override this late payment fee. I found this odd that a Manager could not assist me and had no authority to reverse a late payment charge that is unjustified. 
In all my experience with credit card companies, I have never seen such resistance to accommodating its customers and thinking outside the box. I have never been late with any XXXX payments ; and when I mentioned this, they did not seem to care and would not extend me the courtesy that I feel I so deserved. I can now see why XXXX terminated their contract with Comenity Bank. 
If you check my bill, I paid the balance in full that day ; my {$29.00} late fee has now turned into {$140.00} ; this is a summation of all late fees they kept adding on the a zero balance. 
I feel this is totally unjust as I initially explained to the agent that I had all intentions of paying this bill in full but had trouble signing on to the Comenity Bank website. 
If you check my credit report, you can see that this is the only one derogatory mark on my credit report and my payment history has always been excellent. 
I hope you can understand my position and look forward to your response.
Product: Debt collection

XXXX XXXX has made repeated phone calls to our home after being sent a no contact and being told to call the XXXX XXXX XXXX 's and not to call our house anymore. On XX/XX/XXXX they call several times, but have called so much that my caller ID is full and could n't go back any further. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, XXXX and XXXX XXXX. On XX/XX/XXXX they called at XXXX XXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB 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. 

XXXX XXXX XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX : ACCOUNT # XXXX has violated my rights. 

XXXX XXXX XXXX  : ACCOUNT # XXXX has violated my rights. 

XXXX : ACCOUNT # 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

Debt with XXXX XXXX XXXX XXXX XXXX, principal remaining balance around {$24000.00}. XXXX used the identifying tokens " XXXX '', " XXXX '', and " XXXX ''. I defaulted in approximately XXXX. I started paying on the loan to a XXXX XXXX debt collector the same year and have kept paying until XXXX when collectors stopped contacting me and I could not contact them. 
XXXX reports the debts that seem to match as " {$0.00} '' balance and transferred, but collectors are contacting me again. The information on all XXXX credit reports XXXX, XXXX, and Equifax appear to be incorrect, and there is no other information showing that I have been paying dutifully for many years. 
I can no longer ascertain from a credit report or a contact from a XXXX party debt collector who if anyone owns this debt and whether I have paid it all or not. I believe that all " XXXX '' listed debts are inaccurate on my credit report at this time except for XXXX showing the partial account number " XXXX '' which I have been paying on regularly through the present to XXXX XXXX 
Because I can no longer ascertain if there is a valid debt owner and I am sure that I have paid the principal balance at this point 20 years after taking the loans out, and I can not determine how the XXXX party debt XXXX found my information, I dispute all " XXXX '' debts listed on my credit reports except as described above with the XXXX account " XXXX '' which has a balance of under {$6000.00} at this time.
Product: Credit reporting or other personal consumer reports

According to usc 1608b you guy are reporting inaccurate information. USC 1681b this account was bought from a debt that was not mine. It hurting me from getting a house for me and my family. Under the fca this account is inaccurate. XXXX XXXX XXXX  {$750.00} XX/XX/24 these account not right.
Product: Checking or savings account

I have been attempting to have my accounts restored with E*Trade Bank since XX/XX/XXXX, to no avail. I keep getting the run around from different representatives I have spoken to since then. This all stems from my account almost being hacked, but was prevented by a very astute E*Trade Bank representative XXXX On XX/XX/year> a hacker contacted me via cell phone posing as a fraud investigator for E*Trade Bank XXXX His caller ID was exactly the same as E*Trade Bank 's main phone number, leading me to believe it was a real E*Trade Bank rep. Fortunately , the real E*Trade Bank Rep ( XXXX ) was astute enough to realize this person was not me and thus prvented {$9200.00} being wired out of my account. Once the hacker was foiled, the real E*TRade rep contacted me to see if I wanted to " Restrict '' all of my accounts with E*Trade, in case there was anyone else trying to get into it. I agreed to do so with the understanding that I could reinstate it by following XXXX 's instructions. On XX/XX/XXXX, I submitted the paperwork, as instructed, to have my accounts restored so I could use them. I am still waiting to have my accounts restored as E*TRade keeps giving me the runaround. They promise to have their fraud department contact me, it never happens, they promise their management to contact me, so I can escalate, it never happens. In the meantime my life insurance has lapsed since XXXX 's are not taking place, my XXXX accounts are not processing payments, I have had to scramble to take payments. I need my accounts restored back to normal ASAP. E*Trade is holding over {$40000.00} in their possession. I am just being ignored with no one to complain to or to escalate within E*Trade. I need my money back and all my accounts unrestricted. This is causing me hardship that I shouldn't be facing. I have called E*Trade at least twice a week every week since thew incident. I have contacted the FDIC but they couldn't help me. Please HELP!
Product: Credit card

I would like the CPFB to look into American Express 's " XXXX '' practices regarding the " pay over time '' portion of the billing. Specifically, they limit one 's ability to make payments to this portion which incurs interest. 
My recent payments XXXX XXXX for the XXXX statement included funds ( for all accounts ), that were properly applied to the " pay over time '' portion. However, today when I attempted to make an additional {$250.00} payment it went to a portion that is not due until the XXXX or XXXX of XXXX ( for the XXXX statement ). And, AMEX would not apply as I intended to reduce the " pay over time '' balance charged 15 % interest. 
If I have additional money to reduce interest fees, I should be able to apply them as long as my current bill is actually not due, versus being in the " billing cycle '' as AMEX says - to get away with preventing me from reducing this balance quicker. 

So instead of the {$250.00} earning interest in my account or going to reduce my fees, it has gone to AMEX to pay only a portion of the {$2800.00} dollars that is not due until, according to the statement, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries currently listed on my XXXX XXXX, XXXX, and Equifax credit report are unauthorized and not my credit inquiries : XXXX XXXX  XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

I hired Lexington Law for credit repair. They misled me about their ability to remove a bankruptcy from XXXX. The overcharged me. I did get refunds and they did help one problem. 
I quit on XX/XX/XXXX. 
On XX/XX/XXXX. My identity was stolen for the first time. Credit was applied for in my name at XXXX. 
XX/XX/XXXX I received a text with graphic photos and death threats. 
On XX/XX/XXXX an illigitament XXXX account was discovered. 
My SSI # was found at XXXX XXXX XXXX in XXXX CT. 
On XX/XX/XXXX an attempt was made to open a credit card with XXXX XXXX XXXX.
Product: Checking or savings account

Today is XX/XX/2023 and about two weeks ago I contacted Chase bank ( I bank with them ). The branch is located at XXXX XXXX XXXX, XXXX, IL XXXX. I used to have a safe deposit box and I received a letter earlier in the year stating they will start charging me an annual fee of {$50.00}. I decided to return the keys for the box and cancel the service. I don't recall the date but it was shortly after I received the letter ( maybe XXXX or XXXX timeframe ). 

As I was reconciling my checking account about two weeks ago, I noticed the {$50.00} safe deposit box fee was taken out of my checking account on XX/XX/2023. I called Chase and spoke to the branch manager ( XXXX ). I explained to him that I returned the keys to the safe deposit box and closed it. I didn't receive any paperwork for this unfortunately and it didn't occur to me to ask. XXXX told me he needed to research and that he'll get back to me. I never heard back after about two weeks so I went to the branch to talk to him. I told him to review the cameras and he will see that I personally handed him the keys to which he told me that it wasn't him that I gave the keys to. He also told me that they don't have cameras ( sure ok ). 

Anyway, I gave back the keys to the box and closed this out several months ago. I want the {$50.00} credited back to my checking account. I'm sure this is happening to other customers!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report Number : XXXX XXXX XXXX   XXXX DATE OPEN XX/XX/2017 My personal information was exposed in the XXXX  Data Breach in 2017 '' i've contacted Experian informing them of this matter after reviewing my credit file with them MYSELF my name is XXXX XXXX also went and file a police report and Demanded a investigation also i've file a FTC report myself about this identity theft problem that i've been battling with for years now!!! i also filed a consumer complaint with CFPB and recently Experian wrote me back saying that my CFPB complaint regarding my investigation does not appear to have been sent directly by me or to be authorized by me!! this makes no sense i called Experian myself in the past and also file disputes on they websites nothing was solve!!! and recently ive log into my Experian and try to re submit a dispute as told by them and i was locked out i called Experian XXXX number and i waited a 2 hours and still no one to speak to!! this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft! my next step if this problem continue ill be contacting a attorney because this is very time consuming and complicated i've did everything i can possibly do!! being that i dont have a history in credit or finance i will be contacting an attorney who specializes in predatory loans and breach victim compensation
Product: Checking or savings account

On XX/XX/year>, my Wells Fargo checking and savings account was closed. I reported fraud on my account, everything was denied with no investigation. The company closed my account and is holding my money. I see that my money is decreasing in my accounts and going into the negatives. I have no access to my money.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I logged out of my app to refresh it. I have been blocked since that day. I've contacted crypto.com numerous times via phone messages, emails, and XXXX XXXX  tells me it's a priority, yet refuses to provide any updates or hope of having my account and funds returned. Called law enforcement. XXXX called around the XXXX and had me email over my ID, selfie. Then they emailed a day or so ago and asked for last four digits of phone number, and last four of ID used to open account. I provided everything, explaining that they already had the information. No response, account still locked. Please note, your system doesn't take email files over XXXX. I have additional emails with docs/selfies/info they demanded, and can send them elsewhere if needed.