23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Charges were made while I was in the hospital and unable to check bills tried for a year to fix fraudulent charges. They claim I gave permission to the fraud on a non transferable card as stated ot the agreement. They sent to sold collections agency. Refuse to fix my credit and resolve the problem.
Product: Vehicle loan or lease

My loan is for 60 months at {$370.00}. The loan term began XX/XX/2014. I have received 7 extensions due to financial difficulties. As of today, and with late payments, I still owe {$10000.00}. There is no way my loan is adding up to the terms. I added in the extra 7 payments for the extensions I took out, and this company has me for an extra four thousand plus dollars! I want to know where it came from. My original sales contract called for {$9200.00} in interest, and Ive already paid {$9400.00}. 23 % Interest!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I like im being take advantage of and being ignored of my disputes. Section 611 ( a ). Its plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or t will file a litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hand of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting still on an account from more than 7 years ago. I need this account removed from my credit report it is negatively effecting my score. I was told this account would come off my report after paying settlement amount which I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery Services continues to send me notices that I owe a balance to XXXX XXXX XXXX. It is still on my credit report. 

I have settled this account as of XX/XX/2020. I have a settlement letter that I have sent to Portfolio Recovery. They refuse to recognize my settlement and continue to harass me about paying this debt. They refuse to remove it as a collection from my credit report
Product: Vehicle loan or lease

-I have already two submitted two complaints regarding Ally Financial, but wanted to add that I am not sure who I really spoke to yesterday. A call came to my cell phone number ( XXXX ) on XX/XX/2021 at XXXX XXXX  that was labelled " Ally Financial. '' -The person on the line identified himself as XXXX XXXX from Ally Financial. I think he said titling, but am not sure. I knew the name, because that name appears on my title as the " Seller/Agent '' in the " Assignment of Title '' section of the title. 

- Once the person identified himself there was a pause. I said " I know who you are. '' - When I look up XXXX XXXX online, I find this person working at XXXX XXXX, which appears to be a loan title administration company, that services many lender clients, not just Ally Financial. This is presumably XXXX XXXX 's XXXX profile, which says he is a Title Release Technician at XXXX XXXX XXXX XXXX : XXXX : XXXX - It strikes me as odd that this technician who signed over the title, and has a job of " Accurately releasing automotive titles whilst meeting quota expectations, '' per the XXXX profile, would be calling me, especially if he doesn't even work for Ally Financial. 

-This same person who called also told me that all his Marketing Team would be on the case for me to try and correct the title, and they'd try to sort things out as soon as possible. 

- All this was said before " XXXX XXXX '' started asking me impertinent questions about the release of the lien. I said, I wouldn't have the title if the lien were not released. He claimed that he was only trying to figure out the process that Ally Financial used in order to release the title. The title was not released until I hunted it down, on XX/XX/2021. The date of sale is XX/XX/2021. The whole conversation was not pleasant and I knew I was being gaslit, and wanted out. And why would someone who ostensibly worked for Ally Financial in titling would be so confused about how titles and liens work? 

- Something doesn't add up. I don't think it was Ally Financial calling me yesterday, and it was XXXX, instead. Why is Ally Financial handing over complaints from CFPB to the wrong company? The person on the phone immediately referenced my complaint with the Consumer Finance Protection Bureau. 

-I wanted protection, and I got further aggravated by someone from either Ally Financial or XXXX. 

-It 's a simple problem. Fix the odometer reading on the title. Whoever was on the line admitted error and said that they'd use the odometer statement, but then harassed me after promising that. Also, this person asked if I had any receipt or quote of a penalty fee at the Texas DMV. I said, I will have a receipt after they correct the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was recently stolen, and I saw a XXXX card opened in my name. I spoke to XXXX, and filed a complaint with XXXX, and they fixed their report. As part of that, I got a report from Experian, which showed the fraudulent account on my report with them also. I attempted today to file the complaint online and over the phone and I could not do so, and also I could not get through to an agent to explain what the issue is. Additionally, when I put in my social security number online it tried to get me to log in. I didn't have the username and password so I clicked " Forgot username '' and it said it sent it to an unknown email address that I do not own. So not only did Experian not let me attempt to file a complaint about identity theft and fraud on my report they also have allowed someone else to access my identity and potentially made this problem worse. It would be solvable if it were possible for me to speak to someone about it but there is absolutely no way I can find to do so from their customer service number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that this company Equifax send the me verifiable proof required to post the account listed on my credit report, which they never did which means its unverified and should not be on my credit report. Despite my three written requests, the unverified item is still listed on my credit report in violation of Federal Law. I need to know Who verified these accounts? How did they verify them? Equifax still have not provided me with the name of the individual, business address, and telephone number of the person or business contacted during their re-investigation.
Product: Debt collection

My wife was a victim of identity theft, so out of precaution we checked my credit report and found an open file from Acima Credit, XXXX XXXX XXXX XXXX FL XXXX, XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with XXXX ( only XXXX, not the other XXXX reporting agencies ). We had never heard of Acima, and have not applied for any payday loans, rent to own loans, etc... ever. We attempted to resolve it ourselves with XXXX to no avail, then we involved XXXX XXXX with XXXX XXXX XXXX ( O : XXXX |EXT XXXX / Fax : XXXX ). Together we spoke with a representative from Acima, who could not help us over the but said they would look into the matter. XXXX suggested it was probably just a clerical error with XXXX, so we filed a dispute with them and waited the allotted time for them to look into the claim. I just received their response stating they will not remove it from my credit because they said " The company that reported the information has certified to XXXX that the information is accurate. '' Again, I know this information is not correct, because I have NEVER applied for ANYTHING with this company.
Product: Money transfer, virtual currency, or money service

This complaint is regarding the cryptocurrency exchange Gemini and i have been using this exchange from XXXX XXXX XXXX. 

On XX/XX/21 and XX/XX/21 I used the exchange to buy {$1000.00} of the crypto token BarnBridge ( Ticker : BOND ). Both transactions were for {$500.00} each. 

The average price of the token ( blended rate for both transactions ) was {$27.00} per token. 

On XX/XX/21, the price of the token rose to > {$40.00} per token, reaching as high as {$55.00} per token. During this time, i made multiple attempts to sell my tokens and was unable to due to some arbitrary limit set by the exchange on my sell order ( please see picture evidence attached ). Surprisingly, while the price was fluctuating, it seems like i was unable to sell when the price was > {$40.00} but able to sell it mins later when the price was < {$40.00}! 

I am attaching 3 imagines here : - Picture 1 shows inability to sell at XXXX EST when the price was {$48.00}. 
- Picture 2 shows ability to sell at XXXX EST when the price was XXXX {$37.00}. 
- XXXX XXXX shows inability to sell at XXXX EST when the price rose to {$45.00}. 

The error i kept getting when the price was high was that i can only sell a minuscule amount, amounting to ~10 $! However when the price was low ( {$37.00} ) it was allowing me to sell my entire position. 

This seems like a breach of contract that the company has engaged in when not allowing me to access the market! Please look into it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # FTC and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account Name XXXX XXXX Account Number XXXX Account Type Rental Responsibility Individual Date Opened XX/XX/XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX. {$390.00} written off. {$390.00} past due as of XX/XX/XXXX. 



XXXX XXXX XXXX Collection account. {$610.00} past due as of XXXX XXXX. 
Date XXXX XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX .... 

XXXX XXXX CT GA XXXX Public Record REF # XXXX ....
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 an unauthorized hard inquiry was placed on my credit report by XXXX XXXX XXXX. I also noticed I had another unauthorized hard inquiry from CITIZENS BANK on XXXX when I was on the phone with them looking at my inquiries. These inquiries were not authorized by me and I would like to have them removed from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, TRANSUNION, XXXX is breaking the consumer law pertaining to : XXXX XXXX Ive uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX CARD HOLDER
Product: Credit reporting

My wallet was stolen in XX/XX/XXXX-XX/XX/XXXX and a collection bill for XXXX XXXX XXXX, an auto loan from XXXX XXXX XXXX, and a XXXX XXXX XXXX XXXX installment loan are now showing to be in collections on my credit report and I have disputed this directly with the credit bureaus but I have had no success in having these items removed from my report. I am requesting that a further investigation into these claims against me be looked into again by the Consumer Financial Protection Bureau to protect my rights as a borrower and to exercise my rights under the Fair Credit Reporting Act.
Product: Credit card or prepaid card

I received the attached letter ( XXXX XXXXXXXX XXXX XXXX XXXX '' ) on XXXX XX/XX/2018 thanking me for applying for a " XXXX credit card account ''. I did not apply for this or any other financial service from XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX account # XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
Product: Credit reporting or other personal consumer reports

XXXX } XXXX XXXX XXXX XXXX, California XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It May Concern, I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate This is the ONLY personal information that should be reported on my credit report Please update my name to : XXXX XXXX XXXX update my address to : XXXX XXXX XXXX XXXX California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Also, the only name and address that should be reported on my consumer profile are the ones listed above and in the documents attached to this letter. Again, anything else should be deleted ASAP from my credit file I know that you want proof of my personal information that is listed above so I decided to include this information in the letter to make it easy for you to delete the inaccurate information I also noticed the following accounts reporting inaccurately, there are quite a few of them, which left me a bit shocked and confused! I've listed the ones I saw below but there may be more as I continue to review my report. Mistakes such as these can cost me thousands of dollars in interest a year!
Product: Student loan

I called on XXXX XXXX, to find out how to make my loan in good standing. I was told the monthly payment was {$96.00} per month and the amount to pay to make in good standing was {$2300.00}. This payment was 585 days past due. I received my tax refund in late XX/XX/XXXX and was ready to pay my loan. When going to payoff this past due amount, I saw online that I owed close to {$3000.00}. I had to make another call in XXXX XXXX to figure this out. I was told that my monthly payment was now {$200.00}. And the payment due was {$2500.00} to bring the account out of default. Now we're in COVID-19 season, and I have been communicating with them via email. During the email, I was told my payment plan of {$96.00} ended on XX/XX/XXXX, and reverted to {$200.00}. Why then on XX/XX/XXXX, was I told that it was {$96.00}? Instead of being current 2 months ago, I have been going back and forth with HHLOANS to figure out and understand what has been going on. This has also been affecting my credit score. I never received communication that my monthly payment of {$96.00} was changing. I never received a notification to recertify my payments to keep my payment low. On 2 instances, I got 2 different forms of information. And only when I had to reach out did I get clarification. Also, I paid the original amount of {$2500.00} on XX/XX/XXXX to bring my account out of default, and paid {$96.00} on XXXX. I still owe an additonal {$750.00} to make my account current. That is a major jump and difference to someone eligble to be on a payment plan of {$96.00}.
Product: Checking or savings account

To whom it may concern ; I do some banking with US Bank in XXXX XXXXXXXX XXXX. I usually use it to pay some bills online. Today I went online to discover that my checking account had {$700.00} in it that I had not deposited. I then saw that there was a monthly maintenance fee which is always put on and then waived that same day. I really do n't know why they bother since it 's not a real charge. I noticed that this " fake '' charge had put my checking account {$1.00} in the red. I then saw that the {$700.00} had been taken from my XXXX XXXX credit card as a credit charge against my card. This was termed " overdraft protection from card ending in XXXX ''. This was NEVER authorized by me, nor was I informed about it. Also, I had already deposited {$100.00} on XX/XX/XXXX and this {$700.00} was n't posted until XX/XX/XXXX, over two weeks after the 'on paper only overdraft ' had been posted on XX/XX/XXXX. I feel that not only is invoking overdraft for a 'technical ' charge unfair but the amount is absurdly excessive. I also had more than enough in my savings account with them if the felt they had to cover it. I called their branch office to tell them to take the charge off of my account and was told only the manager had authority to do this. I am very upset about this business practice. I was never told when I was encouraged to sign up for overdraft protection that they would do this to me. On a personal note I am dealing with a serious health crises which will put me in the hospital for several days this week. This is the last thing I need to deal with. I do n't want this to happen to me or anyone else again. 

Thank you for your attention to this matter, XXXX XXXX ( XXXX ) ( XXXX ) XXXX
Product: Checking or savings account

Called to discuss a hold put on {$1700.00}. because the check I put in the bank had cleared this morning, then the hold was placed. The lady was rude and had no explanation of why the hold was placed. She hung up on me without any answers.
Product: Student loan

I am a XXXX graduate from XXXX XXXX, where I obtained a XXXX. XXXX/Navient has made it nearly impossible to pay a more affordable monthly payment. I became divorced in XXXX, which resulted in my income cut in half. I had to file bankruptcy in XXXX, and i was unable to afford my monthly payment at the time. I also lost my job in XXXX, and they refused to offer me any grace while I tried to find a job. I was unable to pay, and my co-signer who is my mother is XXXX. They attacked both of our credits and harrassed us up to 10 times a day. At one point they stated that by law I had to enroll my account in auto draft, when they took several payments out of my account without my permission over a course of 2 weeks, sending my account negative hundreds of dollars. They made me complete forms in order to receive my money back and it took several weeks. I am a single mother of XXXX children, which created for an unlivable situation. They also have made it impossible to consolidate to a lower rate, since my accout was delinquent in the past. Although, I realize I am responsible to pay back my loans and I am willing to do so, I am unable to afford the monthly payment at the rate they insist can not be changed according to my salary. Whenever I call them, they tell me something different everytime. They are never ever consistent with any of their answers. They are a horrible company that was literally created to make people 's lives a living nightmare. Please help us!
Product: Mortgage

We were informed by SPS that they have 30 days for the short sale decision. On XX/XX/2019 marked the 30th day so we called to follow up and they said that they still need some documents from the investor to complete the short sale review. This is not acceptable. We have waited for months not just 30 days after they ran around with the file. 

Now, that the 30 days lapse they will tell us another reason. This lender is worst of all lenders. We have been very kind and patient all throughout but to wait for months is not acceptable for all parties involve who invested their time and money. 

We would like for SPS to approve the short sale ASAP and get this done. CFPB has the right to call out their wrong doings. This is unfair to all their clients. The time spent for the review is outrageous. 

We hope you can help us on this matter as soon as possible.
Product: Checking or savings account

On FridayXXXXXX/XX/2019 at XXXX XXXX my California XXXX XXXX XXXX XXXX XXXX XXXX Funds of {$4300.00} was supposed to be deposited in my account with Bank of America on my checking account with routing number # XXXX and account number # XXXX. 

California XXXX XXXX XXXX XXXX put the wrong account number for my Bank of America.California XXXX XXXX put this wrong account number # XXXX. 

Now as of XXXX XXXX I don't have my XXXX XXXX XXXX  in my Bank of America account. 
On XXXX XXXX I went on California XXXX XXXX website online and implemented my correct Bank of America routing number and correct account number as I made new direct deposit for Bank of America. 
I don't why California XXXX XXXX XXXX XXXX implemented my wrong account number with # XXXX for Bank of America? 
I am XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I contacted XXXX Loans regarding incorrect loan information ( loan status and outstanding balance ) reported to the credit bureaus. I am in a COVID Hardship Forbearance under the Cares Act. I was initially delinquent on my loan but was able to make a payment and became current in XX/XX/2020. Despite the rules regarding credit reporting under the Cares Act ( which they post ) XXXX reported no information for 6 months but in XX/XX/2020 my credit report showed my loan as " Delinquent in Forbearance. '' Additionally, XXXX reported the outstanding balance on my loan as {$450000.00} ( original loan amount is @ {$430000.00} ), despite the fact that my XX/XX/2020 statement reflects I owe @ {$430000.00}. When I asked about the incorrect status, the rep initially denied reporting misinformation to the credit bureaus but then justified it by saying " well you owe - once you are current we will fix it. '' In regards to the incorrect balance, the rep initially said the increased amounts were the missed payments. Once I refuted that as illogical - if you miss a payment the amount owed on the loan does not decrease or increase - she put me on hold. When she returned she said it was " unpaid interest on the missed payments. '' When I rebutted stating interest was already calculated into the missed payments she said, " well once you are current your credit report will reflect the correct amount. '' At no time did the rep offer to review or correct the information - she basically said if you want it fixed get current. This conduct appears to be a blatant effort to illegally penalize consumers for being in a forbearance under the Cares Act. The suggestion that they would only correct the errors if I became current is coercive in nature and borders on extortion. This intentional misreporting also tanked my credit score, which will likely impact the terms of repayment once the forbearance ends. I am concerned this is intentional since the change in reporting happened right before the forbearance ends. I have documents to support the above and XXXX records their calls - so the rep 's statements can be confirmed.
Product: Mortgage

Mortgage Account Reported As Installment Loan to credit reporting agencies.