23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a Federal Student loan serviced by Aidvantage. On XX/XX/year> I paid off the full balance of the loan {$8300.00}. On XX/XX/year> they took out another {$8300.00}. I have called the customer service and they said it would take 6 to 8 weeks for a refund. This is absolutely absurd. I'd understand if it was a normal payment but for a double charge amounting in {$16000.00} dollars, a refund should be issued in a timely manner.
Product: Checking or savings account

My two Relay Financial accounts were closed for no reason. I want to warn potential business owners about this bank. 

Relay Financial Bank is not a bank. They do not have customer support let alone anyone that can assist with any problem that occurs. On XX/XX/XXXX we had a bounced check from a customer in our XXXX XXXX account. We explained and gave them proof of what happened. 

Our account was reactivated on XX/XX/XXXX by rep XXXX XXXX. I signed in twic after then. But on XX/XX/XXXX I had trouble logging in. I tried logging in after XXXX EST and tried calling support for help. 

There hours are XXXX EST. I called the next day and they stated it would have to be escalated to fix the login issue. The error message I got was I tried logging in too many times. The login is automatically saved to my laptop and the password is already saved. 

I tried logging in twice and I was told to call in since I could not set my password myself. Since then I have waited and called in for weeks to find out whats going in my account. It is very difficult to get anyone on the phone at this supposed bank. Finally I got a helpful woman on XX/XX/XXXX. 

She apologized and stated this would be escalated. The next day I got an email stating my account was closed. No reasons as to why. So I called again and they said they would try and get someone to help. 

Today XX/XX/XXXX we are still expecting a deposit from our vendor XXXX XXXX connect who has paid us since XX/XX/XXXX. Only to find out our second account was closed. This company is not a bank. They are posing as a bank.Today is XX/XX/XXXX and our deposit has been blocked which will delay time in paying our workers right before XXXX. 

I have 3 transactions that I have disputed on my second account. I had to dispute it with XXXX because this company is not a bank. I do not know what they are. But a scam. 

Avoid. I have to call from different phone numbers to get to customer service. My bank number on file which is my number has been blocked. How is this a bank?? 

When I can not call in for my balance. AVOID This fake bank. 

They are owned by XXXXXXXX XXXX who has no clue how horrible this bank is. AVOID at all cost!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous dispute letters to Experian regarding a bankruptcy that is incorrectly listed on my credit report. This bankruptcy does not belong to me. Experian has continued to send me dispute results stating the bankruptcy was " verified ''. I have sent two letters asking Experian for their method of verification and have never received a response regarding my letters. 

At the same time, I disputed the information with the other two credit bureaus ( XXXX and XXXX   ). The information could not be verified and was therefore removed from my credit report. XXXX  and XXXX  uses the same vendor, XXXX, as Experian to verify bankruptcy information that it lists on consumer credit reports. With that being said, how was Experian able to verify that using the same vendor? I have done my due diligence and contacted the bankruptcy courts as well as XXXX  and they both have stated that they do not verify bankruptcy information. XXXX  has said they are not responsible for the use or misuse of information that 3rd parties gather from their site whether correct or incorrect. I have sent this same documentation that I received from them to Experian and they have still refused to remove this inaccurate listing from my report.XXXXI called Experian about this issue and was told that I could not speak to a supervisor when asked. I asked if I could be transferred to an escalation que and was told no. I was told that a supervisor would call me back in 3-4 hours. Nothing! This alleged bankruptcy was listed differently between all three bureaus that claimed to have gotten the information from the same vendor, XXXX. If the information came from the same source, the information should not be different. I also sent Experian letters showing the difference and the inconsistencies. Again, nothing. I've sent copies of my results showing where XXXX  and XXXX  had deleted the bankruptcy from my credit report and asked them to follow suit being that is had already been determined by the other two bureaus as incorrect and unverifiable. Again, with Experian, nothing! This listing is damaging my reputation and my credit worthiness. 

1st letter mailed XX/XX/20, received XX/XX/20 @ XXXX XXXX  2nd letter ( method of verification ) mailed after results from 1st letter was mailed on XX/XX/20 and received on XX/XX/20. Also sent a follow suit letter since the other bureaus had deleted the bankruptcy. 

3rd letter ( method of verification follow up ) mailed on XX/XX/20. No documentation received regarding this letter. 

Phone call to Experian was made on XX/XX/20.
Product: Mortgage

TD bank gave us a mortgage commitment in writing days before closing. When the day of closing arrived we were told, no it is not a firm commitment UNLESS you take out a line of credit for XXXX with them, open a checking account with them and close certain credit cards. All of this on the day of closing. We did not have a lawyer with us at closing, just realtor. They held the mortgage hostage basically on the day of closing until we agreed to these terms. We should have walked away but we did not. Our furniture was on struck, utilities were called, our former home was sold.
Product: Vehicle loan or lease

A company I worked for leased a car for my colleague. I was a guarantor for my colleagues because he was new in the U.S.A. Car was returned to Honda dealer on XX/XX/XXXX. Dealer returned back the car license plate to my colleague without informing him that he should return it to DMV or that he can use it for the new car he was leasing. My colleague misplaced the car license plate and left the U.S. Few months after returning the car, I received a notice from Honda Financial Services asking me to pay USD XXXX. I communicated with the company I worked for and they paid the amount. I am not sure what the payment was for. I received another letter in XXXX of XXXX asking me to pay USD XXXX. I contacted Honda Financial Services and they informed me that the payment was because the car license plate wasn't returned to DMV or used for another car. This information wasn't shared with my colleague by the Honda dealer as mentioned earlier. I spoke to the dealer and they informed me that I shouldn't pay any money to Honda Financial Services because the lease and any tax associated with the lease was paid in full and that we aren't responsible for any payment once car is returned back to a dealer. Even the USD XXXX payment that was made was incorrect as per dealer 's explanation.
Product: Bank account or service

I was banking with TD bank and there was fraud done to my bank account. Someone deposited into and then withdrew from my account. Upon their investigation they verified it was not me who did the transaction. It was not me who made extra fraudulent charges. I had never made transactions similar. The signature was not mine. I was in a completely different XXXX when the incident took place. They promised me they would redirect my payroll check into another account for me also. They then decided that since the person knew my pin number that i was liable and they took my check and made me responsible for the transactions. That is totally unfair to me. I was not responsible and they had no proof or a reason to hold me accountable. There are several ways scammers can access another persons pin number. i had been a loyal customer and a upstanding citizen then and until this very day. now i cant get a bank account, they took hard earned money from me and they ruined my name and reputation to other lenders.
Product: Credit reporting

Equifax consistently has false and outdated information and their online dispute resolution kicks you off automatically if your computer refreshes the page. It then locks you out of your account unless you fax them information. In this day and age, faxing is a rather significant hardship for most people, since almost no one has access to a fax machine. I believe this is to make it intentionally difficult to call them to account. Furthermore, they provide a number to get " priority access to a live customer agent '' when in fact it is simply an automated line to send you a hard copy of your report that can not be used for any other purpose. Their everything seems designed to simply make you give up. Where is the accountability?
Product: Credit reporting or other personal consumer reports

XXXX is continuing to show that they hold all of my accounts with over {$60000.00} worth of loans, however, they were paid off by consolidation with XXXX in XXXX. I noticed that the loans reported by XXXX were duplicates and submitted a dispute through XXXX XX/XX/XXXX to have the accounts showing closed, however, XXXX reported there being no errors and the accounts continue to show open on my credit reports. 

My loans have since been forgiven through PSLF and XXXX has removed them from my credit report, but XXXX accounts still show. I submitted a 2nd dispute through XXXX to XXXX XX/XX/XXXX, and XXXX has yet again refused to update the status of my accounts. 

I called XXXX today, XX/XX/XXXX, and was told that the accounts will just " take some time '' to remove from my credit. There was no specific date or timeframe provided and no explanation. It makes no sense that XXXX would take 1-2 years to remove information from my account, yet XXXX was able to get everything removed within a few weeks of PSLF being forgiven.
Product: Mortgage

As noted in a previous complaint, the company was dual-tracking during the loan modification process. First application was denied and the appeal was denied but they referred the account to foreclosure during the process before decisions were made. They denied this of course, even though the account was referred to foreclosure after the appeal was submitted but before a decision was made on the appeal. The new issue is that the company encouraged re-applying for assistance, so we submitted a new application. They contacted us that they needed updated pay stubs.These were submitted on XXXX XXXX, well before their stated deadline they gave to " preserve our protections. '' As of XXXX XXXX, we have not received any further information from the company as to the status of the second application. We have left messages with our account representative numerous times asking for an update, but we have not received a response. It is beyond the deadline for them to have given us a decision but we have not received any information from them. We are assuming they have proceeded with the foreclosure process despite not following the proper procedures.
Product: Debt collection

The following Item is being listed on my credit report. 
THD/CBNA XXXX I am requesting verification under the XXXX Section 609 ( XXXX ) ( XXXX ) ( XXXX ) that they verify by providing a copy of the original documentation on file to certify that this information is mine and is correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX listed multiple 30/60/90/120/150 day late payment on my credit report from XX/XX/2015 to XX/XX/2015. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60/90/120 day late payments from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

16 listed Florida scams frauding my birth certificate of XXXX XXXX XXXX of XXXX XXXXXXXX Indiana of XXXX XXXX frauding also my parents marriage and divorce records which are white documents and serial numbered documents and mom is decest of XX/XX/ No fraud is authorized There frauding scams frauding my documents frauded my national security clearance data and va mail and Indiana social social date and insurance policies and finger prints cards and FBI back ground checks and medical records and passport data ext my police files and commodity broker career and IRS records and mail and family marriage and divorced record and banking data which I was shoved out for 18 years and always a turn down by bank 's for me for credit and credit cards and loans and also refusal to pay my insurance when I was robbed,
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts on my credit report, and Im completely lost as to how this could happen. I check my credit report regularly, but this time, there were errors that appeared out of nowhere. I even tried refreshing my browser, thinking it might be a technical glitch, but nothing changedthe inaccuracies remained. Im begging for a thorough review of the documents Ive sent so that I can finally stop worrying about this.
Product: Credit reporting

My credit report from Transunion shows a collection from XXXX, collecting for XXXX. I have not had a XXXX account in about 13-14 years. This is outside the statute of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 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 a account without my written instructions
Product: Debt collection

Genesis debt collection sent me a letter stating I owed a debt. I explained to them I called an emailed the original debtor and resolved this matter. They then ( Genesis ) sent me a validation letter. I showed and explained to them clearly it was an accounting error which you can see on their invoice. Genesis then took the inaccurate information and had it post to my credit report.
Product: Checking or savings account

As trustee, I opened a CD in the name of my mother 's irrevocable trust. She XXXX XXXX on XX/XX/XXXX and I contacted Ally Bank to close out the CD. I was told since shXXXX XXXX XXXX the CD can be closed without any early termination penalties and XXXX from Ally set up a XXXX report and issued a reference number XXXX. I was instructed on XX/XX/XXXX to fax the XXXX certificate, a copy of my DL and instructions for depositing the funds, which I did on XX/XX/XXXX. I was told that once the information is received it would take XXXX business days to process the request. When I did not received the funds or any correspondence in XXXX business days, I contacted customer service on XX/XX/XXXX. On XXXX I spoke to XXXX who had no information on my request and escalated my request to a XXXX for review and that should take XXXX business days. I called back on XX/XX/XXXX and spoke to XXXX. She told me that the transfer has been inititated and it should take XXXX business days and I should call back on XX/XX/XXXX. I called on XX/XX/XXXX and spoke to another representative who told me it should be another XXXX days. I asked to speak to a supervisor and was connected to XXXX. He told me that XXXX should never had told me that the transfer has been initiated because that was not true. XXXX told me that they are waiting for FIS to inititate the transfer- and that should take another XXXX days. 

I have done everything the bank has asked me to do and I am very concerned that every time I call, a customer service representatve tells me to wait another XXXX business days. No one can give me a definitive answer as to when this money will be released and I feel they are holding it XXXX. This money is needed to pay for the care my mother received up until her death and I want Ally Bank to be accountable - something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your agency has sent a refusal to investigate my credit file, claiming my request Doesnt seem to come from me. PLEASE EXPLAIN WHAT THIS MEANS. You have received my ID, SSN, and LATEST BILL. Is there a law against my getting guidance and/or assistance? This effort from your agency seems biased and concerted since many in our credit group have used this avenue successfully and suddenly you claim an issue. Your agency has a well-known reputation so I sought professional advice in creating a paper trail to document any violations of the FCRA. Additionally, your delays add up to more than 30 days which violates FCRA rules. Please immediately remove the items in question below. 

ACCOUNTS XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX  XXXX XXXX  XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX  XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX not mine INQUIRIES EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX  XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX/XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized EXPERIAN XXXX XXXX XX/XX/XXXX unauthorized AS REPORTED, THESE ARE NOT MINE Please sent me dispute results and a complete updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a detailed complaint regarding an employee interaction and a breach and manipulation of my credit report & info. with CFPB and the response from experian was an evasion tactic that a CFPB supervisor explained they had been " seeing a lot lately '' and that it was their " newest trick '' to shut down consumers and complaints. 

What he was referring to was Experian basically pretending/saying that they would not investigate my issues because they did not believe i was the one who had made the complaint and so " for my protection '' they were dismissing/not acting on m complaint. I am going to forward the prior and this complaint to the district attorney 's office and the FTC so please be as thorough as possible and get NAMES etc. of any contact regarding this. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 XXXX XXXX agreed to remove a LATE PAYMENT from my credit report. It was removed in XX/XX/2020. They then REAPPLIED this back to my credit report after already agreeing to removing. This is the ONLY NEGATIVE item on my credit report. It seems illegal to agree to remove and item and then add the item back on when creditor agreed to remove.
Product: Checking or savings account

Citibank continues to hold my funds hostage since XXXX. They are double charging my account for each debit card purchased and incorrectly managing my balance. I went into the branch on XX/XX/year> to speak with a manager located on XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX to advise her that my account has been double charged for every debit transaction, there were 4 separate transactions from different companies, {$9.00}, {$11.00}, {$24.00}, {$550.00}, that were being charged twice causing my account to be in the negative over a {$1000.00}. Also, that staring on XX/XX/year> my account balance has been wrong. I had a total balance of XXXX XXXX XXXX XXXXXX/XX/year> then a check cleared for {$1200.00} on XX/XX/year> and my balance went negative from {$1700.00} to - {$13.00}. She called citibank services and advised them of the double billing and citibank said it was the merchants that are double charging. The branch manager said that it was not possible that every single merchant, that serval merchants and companies are incorrectly double charging my debit card that it had to be a mistake on citibanks end, that it wasn't one transaction or one company but several transactions from several different companies. Every debit transaction from different companies is still being double charge against my account/ even after notifying them of the mistakes and my account is still in the negative to this day XX/XX/year>
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which clearly states Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general Subject to Subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Not only is XXXX XXXX in violtaion of The Fair Credit Reporting Act but clear violation of the Privacy Act of 1974 ( 5 U.S Code 552a ) an! 5 USC 1681a ( 2 ) ( I ) states reporting Transaction history is illegal. XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Experian, an XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliate third party unless -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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. '' this account is an adverse item they are reporting again without my permission which is against the law. 15 U.S Code 1681s-2 ( A ) ( I ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable casuse to believe that the information is inaccurate. 15 U.S Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section1681c of this title and to limit the furnishing of consumer reports to the purpose listed under section 1681b of this title. '' XXXX, XXXX, and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''