23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have spent months trying to transfer my lease. In my contract its says lease transfer is an option. My local dealership I bought it from suggested swap a lease a third party company that helps you find a buyer to take over your lease. 
I paid the fee and have found 5 buyers. Mercedez-Benz financial refuses to initiate the transfer or even give a timeline when they will .they claim its because of of covid : when in fact they are selling and rolling leases over. They are just not complying with what is in my contract. They also have been taking to court several times prior to covid for this same issue. After months and several people saying no. I then after stating I seemed legal advice was able to atleast get a special consideration for this transfer : mind you its not a special consideration its in my contract! They are clearly breaching and violating my second amendment right! I have stated and given proof of buyers and they have caused each one to no follow through. I will continue this legally if not resolved and I lose this most recent buyer.
Product: Credit card or prepaid card

THIS IS NEW INFORMATION FOR COMPLAINT NUMBER XXXX XX/XX/2023 I filed a complaint to the CFPB against Wells Fargo bank for the ongoing billing errors being mailed to me that are false and misleading. I recently received a letter by mail from Wells Fargo Mediation Program Administrator, Tracking number : XXXX. Wells Fargo Case Number XXXX. I have been offered the opportunity to come to a mutual understanding and Wells Fargo will attempt to resolve my claim to my satisfaction. The Mediation Request Form, also Wells Fargo assured me that no cost will come to me for this service. I filled out the form and mailed it to the return address. I attached the documents of the form into this CFPB complaint.
Product: Mortgage

Green Tree Servicing Company paid my Real Estate Tax in the amount of {$4600.00}, but I am part of the Long Term Occupancy Program for City of XXXX, and my Real Estate Tax are {$1600.00}. I contacted Green Tree to inform them, because they increased, my mortgage payments based on this transaction. I informed them of the Long-Term Occupancy Program, and they should follow-up for refund. This was not done, so I called the City of XXXX and was informed all Green Tree has to do is submit a Refund Petition with copy of the cancelled check and the City of XXXX will refund the money to Green Tree. Therefore, Green Tree has over charged me {$2700.00} in additional payment to my mortgage, because their negligence has affected my escrow account. I have called Green Tree for the last XXXX - XXXX months to try and resolve this issue with no satisfaction. I have put my concerns in writing, and it is like I am talking to the wall.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Furthermore, I have never missed a payment on this account.
Product: Mortgage

This is in reference to the Letter received from Wells Fargo Home Mortgage dated XX/XX/2021 which is attached herewith and shown as Exhibit A. 

There is a factual error in the above letter which is totally misleading and the timing of this letter is highly suspicious. Borrower was totally astonished to receive the above letter with the intention to foreclose the Property when there is an ongoing Investigation from the Lenders side in the above mentioned Loan, Complaint filed by the borrower with CFPB, wide Complaint No : XXXX dated XX/XX/2021 [ this was closed on XX/XX/2021 ] and the subsequent Complaint No : XXXX dated XX/XX/2021. THE ESTIMATED OUTSTANDING PRINCIPAL BALANCE IN THIS MORTGAGE ACCOUNT AS OF TODAY IS {$12000.00} The issue in the above loan relates to a Lender Placed Insurance for a total amount of {$4800.00}, which is split into 12 monthly installments for an amount of {$400.00} to my monthly Mortgage as an Escrow Account created by the Lender with effect from XX/XX/2021. 

Borrower already paid the monthly mortgage installment amount of {$990.00} for the month of XX/XX/2021 and XX/XX/2021 within the due date. THERE IS NO MISSED MONTHLY MORTGAGE PAYMENT as per the Letter. 

The amount of {$400.00} enforced by the Lender with effect from XX/XX/2021 is under investigation at the moment and a disputed matter. This Escrow payment and monthly mortgage payment are 2 different matters. The statement from the Lenders side is totally XXXX. 

As a matter of fact, I received a call from XXXX XXXX - Wells Fargo Home Mortgage Division - Tel : XXXX dated XX/XX/2021 in this matter. As discussed and mutually agreed, the Present Case : XXXX dated XX/XX/XXXX. 2021 will be resolved at the earliest, not later than XX/XX/2021. Both parties verbally agreed to move forward with Monthly mortgage Payment of {$990.00} till the issue is resolved. 

In view of the above, Lender must restrain from taking any further action, pursuant to above Letter dated XX/XX/2021 which is shown as Exhibit " A ''. This letter itself is totally unwarranted at the moment and highly deplorable. As mentioned earlier, the timing of this letter is highly suspicious and the Borrower strongly believes the Lender is engaged in some sort of mentally torturing and bullying tactics in this matter.
Product: Credit reporting or other personal consumer reports

these XXXX XXXX accounts are not mine. they are fraud and id theft and i want them deleted. 

XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Product: Credit card or prepaid card

I was a loyal customer of American Express. I use the card for business, and I have an employee who is an " additional card member '' on my account. American Express offered me an " upgrade '' for {$450.00}. Foolishly I accepted. The new card was on the same account with the same account number as before. As far as I could tell, the only difference was the logo on my card. XXXX had already changed logos this year due to their merger with another hotel chain. That logo change did not affect my account, and I could still use my old cards. However, this time, for the sole reason that I paid {$450.00} for this " Brilliant '' program, American Expressed deactivated my otherwise valid cards. There was little warning other than a vague, confusing email giving me very little time to respond. I did respond. I explained my employee was travelling and was dependent on the card. Rather than leave my cards in service - even for the grace period mentioned in the email -- American Express immediately invalidated my additional card member card. I was not even informed, much less warned. The only reason I knew the card was iinvalidated is because I called in later to has how many days were left in the grace period. I was astonished to learn the card had been administratively invalidated. Of course I was outraged. American Express representatives acknowledged it was a mistake but would do nothing to correct it. Finally, I talked to " XXXX '' in XXXX XXXX ( employee ID XXXX ) who confirmed American Express would not correct this error. The result is that my employee has been left in an untenable situation, and my business reputation has been damaged.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated online with representative several times, to also include mutiple times I have attempted to dispute online. The last attempt was on today XX/XX/XXXX. 
I filed for bankrupty back in XXXX and 10 of the creditors that were included are now getting special attention on 3 different areas of my credit report. This is indicative of how only EXPERIAN does this to negatively impact consumers. XXXX  and XXXX  report are in order, listed properly. 
The 3 different areas are under Revolving Account ( which were closed and included in BK ) Summary of Accounts noted in BIG RED LETTERS " POTENTIALLY NEGATIVE '' on 10 closed accounts.

Then again Experian has these same closed accounts included in Bankruptcy listed un Chapter XXXX discharge. 
All I am asking is why does Experian have these accounts waving the red flag with Potentially Negative attached to each account. I am being heavly impacted twice, by individial listed separate accounts, then again these same account fall under Chapter XXXX discharge. 
Everytime I attempt to call I get either hung up on, have Rude and Nasty reps that wan na talk condesending to consumers and when they dont like it they just hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.
Product: Checking or savings account

I deposited my payroll check on XX/XX/23 at a local Regions ATM. My account was opened that same week with them. I got an email receipt of my deposit but the funds have yet to be credited to my account. They had me to open a dispute and said I have to wait 10 business days, I have been to 2 branches and had several conversations to no avail. Meanwhile my bills go unpaid while they have access to my money and they dont care
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX has been inaccurately reporting information on my credit file. I have attempted to resolve these issues with XXXX XXXX XXXX directly, I have attempted numerous times with Transunion, XXXX and XXXX as well. XXXX XXXX XXXX refuses to provide me with proof of late payments. XXXX XXXX XXXX is now reporting an account that they stated they closed in XXXXXXXX XXXX XXXXXXXX  as " 30 Days Late '' across all three credit reporting bureaus.
Product: Money transfer, virtual currency, or money service

After My {$23000.00} from my initial XXXX Currency transaction disappeared on XXXX XXXX and I called the support line at Coinbase which locked my account, I received a call from a supposed Coinbase support person. he was going to help me verify my ID and reconnect my Coinbase account. Most of Coinbase support is run online through XXXX and it is replete with scammers and terrible support response. After a couple weeks of trying to get my identification verified and the account reconnected it was finally reconnected and the support person was supposed to put {$33000.00} back in my account to reimburse my funds and account for the increase in value. I also agreed to put in another {$20000.00}. When the account was finally back up, the funds that initially disappeared were not there and all of the additional funds disappeared as well. Somebody sent the money out of my account in XXXX  currency transactions that I did not initiate. currency. Coinbase email support which I contacted on XX/XX/XXXX only contacted me back about my lost money on XXXX XXXX for the first time, but this was after all my assets were gone from my account and my balance was XXXX . Coinbase support is not only not responsive they are accusatory of customers. I have seen thousands of additional case like mine after delving into it. One case in late XX/XX/2021 where a customer from Florida had {$500000.00} stolen from his account. I believe this is being done by insiders or with the help of employees, because I like most other customers have XXXX on all my devices and email systems and could not be hacked that easily without inside access information. This company has been having this problem and complaints for years from customer and nothing is being done while it prepares to do a mega IPO and enrich executives by tens of billions of dollars. The operation MUST be shut down until this problem of stealing customer 's money from their trust accounts is resolved. Banks would not be allowed to operate with this problem, neither should Coinbase.

This is a Coinbase software and computer hack along with possible employee customer support Scam. This is happening all over the world and these companies/ exchanges should not be allowed to operate until they have a regulated form of customer support that deals with the multiple layers of fraud that is happening internally and externally that is wiping out customers accounts while executives profit.
Product: Debt collection

Several years ago while living in XXXX, Maine, I went to a local optometrist for an eye exam. While in the chair, the person performing the exam said they would like to do an exam to check for - whatever it was, I do n't remember. She simply asked if it was ok, to which I of course replied " yes '', When checking out, they informed me I owed +/- {$80.00} for the additional exam. I was not informed of the additional charge or the fact that it was not covered by insurance. I rejected their claim explaining why and was told - too bad, you owe us the money. They continued to bill me, I continued to refuse payment until they finally referred it to a debt collector who then harassed me threatening legal action and to ruin my good credit rating. I sought the advice of an attorney who convinced me the easiest and cheapest thing to do was just to pay the bill. Legal action could have otherwise been costly. 
So, despite their not deserving to be paid, I paid. But now I had to pay not only the optometrists bill, but also the debt collectors bill as well. Meanwhile, they went ahead and reported it to the credit agencies and to this day, that black mark is on my record. 
At the time, I reported their underhanded business practices to the State of Maine, the Maine Licensing Board and anyone else who would listen. All to no avail. 
Having just now listened to the XXXX XXXX show, I now know, although years later, that I should have perhaps contacted your office, which prior to the show, did not know existed.
Product: Credit reporting or other personal consumer reports

For the following accounts : 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 Inquiries Despite a my request for information from 4 months of asking in letters regarding late payments and collections, inquiries, there has been no response or resolution has been provided. This lack of transparency and action on the part of the debt collector represents a violation of the consumer 's rights under pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

I was recently contacted by your companies above in regarding a debt that I owe or a inquiry I made. However, I disputed the validity of this debt as I have no knowledge or records of the alleged account in question. In accordance with the FDCPA, I kindly requested that they provide me with the following information to validate the debt : 1 A complete and itemized statement of the alleged debt, including the original creditor 's name, the date the debt was incurred, and the amount of the original debt.

2 A copy of the original signed loan or credit agreement, or any other documentation that bears my signature and serves as evidence of my liability for the alleged debt.

3 A detailed explanation of any fees, interest, or charges added to the original debt amount, along with proof of their legal authorization.

4 Proof that your agency is legally authorized to collect debts in my state of residence, including the necessary licensing and bonding documentation.

5 A statement affirming that the alleged debt has not exceeded the statute of limitations in my state of residence.

As per the FDCPA, they are required to respond to my request for validation within 30 days of receipt of this letter. I also requested During this time, all collection activity must cease, and any negative information reported to the credit bureaus must be removed. Failure to provide the requested validation or to comply with the FDCPA may result in legal action being taken against their agency. They did not follow through with my request at all.

Furthermore, I am invoking my right under the FDCPA, 15 U.S.C. 1692c ( c ), to demand that you cease and desist from any further communication or collection efforts concerning this alleged debt. This includes, but is not limited to, telephone calls, letters and electronic communications to me, my family, friends, or place of employment and reporting data on my consumer report. Any further attempts to contact me regarding this matter may be considered harassment and may result in legal action being taken against the agencies
Product: Checking or savings account

On XX/XX/2024 I made a mobile deposit to my savings account using the banks mobile app. The amount of the check is {$4600.00} right after the deposit was made the app said the funds would be available on XX/XX/2024. I waited for the XXXX and the funds were still not available. I called the bank multiple times and each time the bank said they will not release the funds to me. A supervisor then told me the bank has put a hold on it for 60 days, the bank refused to properly verify the check or try to help me get my funds. They hung up on me multiple times. After pleading with them for help I found zero resolution. All I want is for the bank to remove the 60 day hold and release my funds. I have a mortgage and bills that can not wait 60 days.
Product: Credit reporting or other personal consumer reports

INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX  XXXX XXXX Account Name XXXX XXXX Account Name XXXX XXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXXXXXX XXXX  XXXX XXXX Account NameXXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect. The personal data reporting is inaccurate. 

XXXX, XXXX, XXXX  The following personal information is incorrect. The personal data reporting is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to dispute the fraudulent information ( I am the victim of identity theft ) with Experian. They are the only credit bureau that will NOT investigate my items and remove them in accordance with the FCRA. 
I have recently contacted my lawyer and we filed and FTC ID Theft Affidavit ( again ) and obtained the police reports I originally filed. ( Experian has all this information ). 

I have sent Experian my 605B letter, ID theft affidavit and all required documents yet none of the fraudulent information has been blocked from my report. This is a violation of the FCRA.
Product: Money transfer, virtual currency, or money service

Nothing has happen. I was just trying to see if I can get any information on the XXXX XXXX Lawsuit Checks. I used this company in XXXX and have not yet recieved a check. Is there anyway that I can get information to see will I be recieving one in the mail.
Product: Debt collection

I filed for Chapter XXXX bankruptcy on XX/XX/XXXX in the United States District Court of Minnesota. XXXX XXXX : XXXX. I am still receiving debt collection phone calls from TCF Bank in regards to 2 checking accounts that I had with TCF Bank that was included in my bankruptcy petition. The 2 checking accounts was under the following social security numbers : XXXX and XXXX. The 2 checking accounts was discharged in bankruptcy court. My date of birth is : XX/XX/XXXX
Product: Credit card

I opened a Ulta Beauty store card and made a purchase of {$23.00} in XXXXXXXX XXXX XXXX. I did not receive my account information until XX/XX/2023 while my brother was in hospice out of state and eventually passed away. I paid over {$50.00} to the credit card company once I received my bill, however the are trying to collect an additional {$170.00} in penaltys and fees which is ridiculous for a {$24.00} bill. Its not reasonable and they are threatening to keep charging more penalties and fees and interest on the penalties and fees and interest.
Product: Debt collection

I sent letters two letters which were both returned saying inaccurate address. Upon checking my credit report there was an XXXX TN address listed. Even the post office worker found it to be quite odd. Zip code does n't match to the rest of the address. One letter was mailed in XX/XX/XXXX and the second in XX/XX/XXXX.  Both were sent within 30 days of each other.
Product: Credit reporting or other personal consumer reports

( 1 ) According to the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), accurate and fair credit reporting is essential to the banking system. The effectiveness of the banking system is directly hampered by inaccurate credit reports, and unjust credit reporting practices erode public trust, which is necessary for the banking system to continue operating.

Therefore, the effectiveness of the banking system is hampered anytime there is a breach of the FCRA. I have complete control over what appears in my consumer report, thus this is a breach of my privacy. It would be deemed identity theft if any accounts were reported without my explicit agreement.

Both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 apply here.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to EXPERIAN, XXXX and XXXX with regard to NUMEROUS incorrect names and addresses on my credit report! I have made phone calls, as well as sent certified letters. I have been unable to get this resolved after multiple attempts to dispute. I have even had to do my own freeze on my accounts until this is fixed! They have me listed as names that I have NEVER, ever used. I had ONE name from XX/XX/XXXX to XX/XX/XXXX and  from XX/XX/XXXX ( when I was remarried ), I have used ONE name. In addition, there are MULTIPLE addresses on my credit report! I have never resided at those addresses! This is putting a significant amount of undue stress on me as we have just acquired property AND is in violation of 15 U.S.C. 1681 and they are REQUIRED by the FCRA to have properly verified the accuracy of items listed on my credit report! Please help with this.
Product: Credit card or prepaid card

XXXX XXXX  ran a debit card called Unbanked ( unbanked.com ), which claimed to be a SEC-regulated platform that bridges traditional banks with crypto. 

However, their debit card in the US has ceased to exist. It doesn't work! Now, instead of giving people a refund on the balance they have on their debit cards, Unbanked/XXXX is charging a 2 % fee to withdraw this asset.
Product: Credit reporting or other personal consumer reports

Attempted to dispute with credit bureaus Attempted to contact comedity bank express for months and they just hang up on me Attempting to report here to have it removed off credit as it was reported only to damage my credit as no way was provided to pay the account they are continuing to mail an old address even though ive reported a new address fir a year