23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

The bank charged outrageous fees and has predatory overdraft fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/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 conducted an inquirys into my personal information without my authorization or prior consent. I did not initiate any contact or business with this company and have no reason to believe they should be accessing my data.I would like this removed immediately thank you for your time & consideration.
Product: Checking or savings account

Wells Fargo unfairly charged surprise overdraft fees even though I had enough money in my account to cover the transaction at the time the bank authorized it on debit card transactions and ATM withdrawals.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against Equifan for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, Equifax has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).
Product: Credit card or prepaid card

Hi. 

I am reaching out to you regarding my dispute that was denied. 

I booked a flight through a travel agent company called XXXX 
The booking was done via a phone call, and I was told there multiply times, that I will be able to get a full refund, if I wish to cancel my flight within 24 hours of booking.

And that is what I did. I canceled less than 16 hours after booking the flight.

. 

As you can see that they ( the travel agent company ) has agreed to me, and issued a refund. But it was only for the amount of the booking cost, and not for the tickets.

I feel that this charge should be disputed, because when I booked the flight, they showed me one total amount thati will be charged, and did not disclose with me that there will be 2 separate charges.

One from them and one from te airline.

So even when I tried to cancel it took them more than 24 hours to try to cancel the 2nd charge for me, because they have divided the charge in 2.

And the 2nd reason why I should not be responsible for this charge is : In the response of the airline to this dispute, the write in page 5 that, I have clicked on the agree button that says that there will be no full refund within 7 days of a flight. 
WHICH IS NOT TRUE, I madevthis over the phone, and did not have to agree or give my consent for this. AND I WAS TOLD A FEW TIMES DOURING THAT PHONE CALL THAT I WILL BE ABLE TO CANCEL WITHIN 24 HOURS. 

So being that this was the mistake of XXXX, that their agent didn't know of the rule, that within 7 days of a flight there's only a parcel refund, this dispute should be reopened and I should not be charged for this. 
And should the airline and the travel agent company fight out between themselves who is responsible for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address not mine : FCRA XXXX XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, AZ, XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX
Product: Mortgage

I am the agent for XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 we paid off a mortgage in favor of New Rez pursuant to their closing instructions ( copies attached of the payoff and wire transfer ). In connection with closing XXXX made payment to the insurance company for the homeowners insurance premium due and delivered to the insurance agent on XX/XX/2021 ( copy of XXXX and proof of payment ) On XX/XX/2021, New Rez sent a revised payoff statement which included an additional payment for homeowners insurance that they had advanced from their escrow account. I immediately contacted the insurance agent and left a voicemail to ask that they void the check and send back to me so I could send the additional payment as part of the payoff to New Rez. The person who called me back indicated that the person who emptied their drop box would be doing so on Monday, XX/XX/2021. I received the voided check copy after business hours on XX/XX/XXXX ( copy of email attached ). At the end of the day on XX/XX/XXXX, New Rez returned our initial payoff wire and made a demand for additional interest from both the borrower and XXXX in the amount of $ XXXX ( copy attached ). I called New Rez customer service, spoke with XXXX XXXX and she said I would have to pay the additional interest even though they had made the original mistake and I had taken every step to help resolve on our end. On XX/XX/2021 XXXX placed a second wire to include the additional interest ( copy of wire attached ). I believe that the additional interest should be credited back to XXXX for refund to both XXXX and the borrower. I initiated an internal complaint with New Rez and stated I would be filing a complaint with CFPB..
Product: Vehicle loan or lease

I reach out in late XXXX XXXX XXXX I reached out to the company at hand and ask them to provide the information of how they obtain this account and how did they take out insurance from gap insurance with my personal information to securitize a loan on a product that they don't own all underneath deception saying that I owe them {$26000.00} that is an estimate I never sit down and did no business with these people physically never sit down and met these people don't know who they are just receiving bills from them and now they close the account and gave my information to a collection agency
Product: Mortgage

I applied for a loan modification and made all three of the trial payments on XXXX XXXX and XX/XX/XXXX. My modification paperwork stated I made all my trial payments and was accepted for the modification and on XX/XX/XXXX my first payment of XXXX would be due and would be my payment until escrow was figured out I received a letter that on XX/XX/XXXX my payment would increase to XXXX which would be my new payment with escrow. Called to make XXXX payment and agent said would not take payments of XXXX needed to pay XXXX I said my paperwork says XXXX is payment for XXXX and XXXX and XXXX XXXX I had 5 agents tell me to pay XXXX and 4 agents tell me no XXXX and 6 supervisors told me only XXXX and 4 supervisors told me no XXXX one supervisor took a XXXX payment said it was correct and someone else canceled it out because it was not XXXX this went on for 3 months until mortgage was 3 months behind 20 calls later it was never fixed and now 4 months behind and no one agrees on XXXX and XXXX payment amount just filed act 91 notice XX/XX/XXXX this is with freedom mortgage XXXX XXXX XXXX XXXX TX XXXX
Product: Checking or savings account

Wells Fargo closed my account. Its been over 3 weeks and theyve still not sent my balance I had in my account. 

Ive called them several times and they keep telling me unreasonable stories. I needed that money to take care of a sick XXXX uncle. 

I guess Wells Fargo will rather keep peoples money and use it for whatever they want to use it for, and give it back at their own convenience. This is Very very unethical.
Product: Debt collection

I do n't know what this debt is. I am a XXXX veteran with VA insurance. This debt has caused my credit rating to be lowered to XXXX. I can only assume this is some kind of XXXX visit to a private hospital and they did n't submit this claim to the VA.
Product: Debt collection

This collection is reporting TWICE on my credit report. with two different account numbers. XXXX and XXXX same dollar amounts. i don't know what they are trying to pull. This does not appear to be legal and it appears to be shady collection practices.
Product: Debt collection

Portfolio Recovery Associates filed a lawsuit against me. I hired an Attorney. Attorney requested information from them. They didn't respond. Day of court they did not show up for court. The case was dismissed. I have also requested validation of the allege debt. Since they did not want to produce any validating of the alleg debt, I don't know where they got it from. They did not respond. Pursuant to Federal Law it shall be deleted from my credit report. I have also, sent a letter stating that they shall Cease and Desist all collection efforts. 

I have just noticed that they have different names and addresses for this company. I send all certified mail to the address that is on my credit report. Also their name on the the court filings and CFPBs ' system are different than what is on my credit report. 

Is this another deceptive practice? Do they do this in order to not receive dispute letters from consumers? 

I have never received a returned to sender letter when mailing to the address on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in reference to a released tax lien that is reporting on my Equifax credit report as Docket # XXXX. The lien has been released since XX/XX/XXXX. I have filled numerous investigations in efforts to having this public record removed both by phone and by letter. Most recently XXXX and it came back " Verified as Accurate ''. This same released tax lien was removed from XXXX and XXXX after 1 investigation. Under the new law effective XX/XX/XXXX any public record data must include Name/Address as well as SSN or DOB in order for it to appear on credit file. Equifax has not updated their information and per the new law the Released Tax Lien listed does not include all the required information and should be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

We were on springbreak vacation with our kids on XX/XX/XXXX of this year and we were trying to cancel our hotel reservation through XXXX because the hotel that we did our reservation didnt honor the XXXX  price. 

My wife called XXXX 's customer service but got disconnected due to bad reception. A XXXX called and pretended to be " XXXX XXXX '' and told us he will help us with our cancellation. He sounded legit and know a lot like what a XXXX XXXX would do. XXXX said our hotel reservation cant be cancelled but he can upgrade our reservation so we can cancel it and we can get refunded. He told us to Zelle XXXX XXXX ( XXXX ) {$200.00} and he will refund us back. After a while he asked us to send him a screenshot multi media message with the Zelle that it was completed. Then he told us he forgot to tell us to put a reference # on the memo and if we can send him another {$200.00} with a reference # and he will Zelle us {$400.00} as our refund. Then after a while, he told us he miscalculated our refund to {$600.00} and send him another {$200.00} with a different reference # and he'll refund us the money right away. Then he made an excuse that the Zelle theyre sending to my account was not going through. 

That drew my suspicion that we are being scammed. XXXX XXXX told us that his XXXX told him that they have a limit of {$1300.00} before they can send us our refund and he was asking for more money. Thats the time that we stopped. We tried to contact the XXXX number and the scammer really answers as " XXXX XXXX XXXX and kept on telling us to send them more money so they can reimburse us. We tried to call XXXX XXXX and a lady answers and tells us he is unavailable but she eventually blocked us. We tried to message XXXX and request our money back but he declined our Zelle request. 

I contacted my bank ( XXXX XXXX  ) and filed a dispute right away with the Zelle payment that I sent but according to my bank its being investigated until now. I also filed a report with Zelle about the scam on XX/XX/XXXX but I haven't heard anything from them. I feel like as time goes by, we won't be able to get my money back. 

We contacted XXXX about this scammers representing them and they dont have an definite answer to us but I was able to email their corporate to notify them about the scam. I also filed a complained with FTC, Tx Atty General and the FBI cybercriminal dept regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXXXXXX 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 card

i am a XXXX XXXX XXXX retiree who became involved with numerous online business opportunity scam companies. i paid impact ranking XXXX and XXXX inc.XXXX. i reached out to my bank for help after finding out i would never be rendered any service at all ever.i called my bank in XXXX to tell them i was not rendered any service by either one of these companies.i get really confused when my other credit card companies refund me the same company and my capitol one card wont.these companies are committing a crime with a merchant account.how can anybody who took a serious look at my account not see the fraud. i dont feel i was treated fairly or the bank even investigated.i know it wasnt a billing error. i was never rendered any service.i know i signed a contract.
Product: Credit card or prepaid card

On XX/XX/2019 I applied for a Gold Delta SkyMiles Business Card in response to a promotional email I received. The promotion states approved card members will receive XXXX Bonus Miles after you make XXXX in purchases in the first 3 months and a {$50.00} statement credit after you make a XXXX purchase within the first 3 months. Also, there is no annual fee for the first year. After the first year, the annual fee is {$95.00}. I received the XXXX XXXX Sky Miles and the {$50.00} statement credit, but XXXX did not waive the annual fee for the first year. In response to my previous complaint with CFPB against the credit card company, XXXX stated this promotional offer is only for the Gold Delta SkyMiles consumer card. The enclosed promotional offer does not state this offer is only valid for the consumer card ( see attached ), nor was I told that when I applied for the credit card. This is nothing more than an illegal bait and switch tactic. I spoke with a representative this morning at XXXX. The representative stated she can't see this promotional offer I am referring to because it is expired. However, she said the promotions are the same for business and consumer credit cards.
Product: Vehicle loan or lease

Vehicle was deemed a Lemon under NJ statutes, I was told I did not have to pay for the vehicle while under attorney protection. Ally continued to call & harass myself and my father, while attempting to repossess the vehicle. 
Ultimately, the vehicle was totaled in a crash. Now, trying to get in touch with someone at Ally has been an absolute joke. HOURS wasted on the phone, on hold, the wrong people transferring calls, payments misdirected, absolutely abysmal. 
The astronomical amount of XXXX  and laziness shown by these people have prevented me from closing on a house. Because I need this matter to be cleared, myself, my father, and my insurance company have been trying non-stop to get someone with half a brain to get moving on this. 
There have been MAJOR issues with Ally and the handling of this. Their Total loss department was contacted by my insurance company on XX/XX/2020 to initiate the loss. It wasn't until two weeks later my insurance company called them to find the status and they didn't even begin the process!! The Gap insurance company has NOTHING from Ally and I had to open the claim myself ( which is Ally 's responsibility ) just to find out Ally has done NOTHING as well for the Gap payoff amount. 
My father took the initiative to pay off the payments that were in question ( in order to show the account is in good standing to allow the house lender to close ) and they screwed up where the payment went!! Now, their XXXX  caused another delay which is preventing the close on the house. 
Their customer service staff is completely useless in every way and now I will be without a home as I need to be out by XX/XX/XXXX, and the closing was supposed to be a week ago. 
If I can not get into my new house by Friday the XXXX I will unleash a lawsuit on them.
Product: Debt collection

I reached out to Kimball in XX/XX/XXXX in regards to the debt reported. I told them how I had informed XXXX XXXX XXXX Military housing that I was no longer living at the residence due to divorce in XXXX. My ex husband, XXXX XXXX, had stayed in the home and when he moved out, was given the amount owed. He never intended on paying what was owed to housing, while I had not lived there since XX/XX/XXXX. My name and all information should have been removed from military leasing information due to me leaving. I tried to dispute the account, but was told I was responsible.
Product: Vehicle loan or lease

I recently realized that on my car loan ( Acct # XXXX ) excess monthly payments were not being applied to the principal, but rather pushing back the due date for my monthly payments. Currently I do not have a payment due until at least XXXX by their accounting. When I realized I called on XXXX and was told that I should have been requesting this to be done monthly via a phone number. This phone number and this policy are not stated on the website. The person I spoke to said they would apply the extra payments and I should see it in XXXX days. 

When this did not happen I called back again on XXXX, this time I was told they have a policy where payments over 6 months old can not have their excess applied to principal. They were unable to give me an accounting of how much money was excess and paid more than 6 months ago. I was told they would make an exception and apply the excess payments, and that I should see it reflected in XXXX days. It did not happen. 

I called back again on XX/XX/year>, explained that I was not able to get an accurate payoff quote due to past payments not being applied in full. I was told that I would be transferred to a supervisor and my complaint would be logged. I was left on hold for XXXX minutes before hearing a recording saying that the call would be dropped. 

I believe Hyundai Financing has somewhere between $ 2000- {$3000.00} of mine that they consider to be excess payments from more than 6 months prior. This is costing me extra interest due to the way Hyundai is processing this. I do not believe they are accurately accounting for this in my payoff requests. And I do not know if their policy of refusing to apply payments I have already made immediately is legal.
Product: Mortgage

We obtained some kind of " home collateral '' loan from XXXX many years ago, we knew the terms of the loan and we 've been paying religiously by automatic debit from our checking account since the last 10 years. Anyway the loan has been sold many times over but we normally get some kind of notice about the loan being sold. 
Well this time the loan was sold from XXXX ( XXXX Customer Service Phone XXXX ) to REAL TIME RESOLUTIONS which it seems to be a debt collector.Real Time Resolutions, IncXXXX XXXX XXXX XXXX, TX, XXXX Phone. XXXX The thing here is nobody ever let us know about this, and it looks like we have a loan with a debt collection agency Real Time Resolutions and we do n't like that. 

Banking and financial regulations need be stronger in this country, the consumer always suffers. 

In any case I consulting my attorney to see the steps to take.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX from 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX I am submitting this complaint myself and there is no third party involved.I have been patiently waiting on their response to the written requests I sent. We have been sending written letters since XX/XX/2021 with regards to my request of removing the items in question and my last request was sent in XX/XX/2021. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : ChargeOff : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} Collection : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$240.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report is a negative entry of a debt that is more than seven years old. The XXXX is more than seven years ago. The debt collector bought the debt and " re-aged '' the account. 

original creditor XXXX current creditor XXXX ) XXXX Address XXXX XXXX XXXX XXXX, FL XXXX amount XXXX dollars I asked XXXX to remove this entry and they did not.
Product: Money transfer, virtual currency, or money service

A client of mine sent funds in US dollars - {$510.00} - from a XXXX account in the XXXX, via Skrill, on XXXX XXXX. When I try to transfer the US $ funds into my US $ account, I get the message, " USD bank wire transfer requests will be executed in EUR. If your request is in USD, by continuing this transaction you agree that we will apply an FX charge. Please check with your bank for additional costs if your account is not denominated in EUR. '' Skrill itself acknowledges that this fee is incorrect, as my client already paid the FX fee from XXXX to Dollars. My client and I have called and emailed Skrill to get this problem corrected, and we have even asked that Skrill return the funds to my client so they can wire me the money through other means, BUT SKRILL HAS NOT ADDRESSED THE PROBLEM AFTER 3 WEEKS FROM MY INITIAL COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, the following accounts are STILL inaccurate and those companies are STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX, XXXX XXXX