23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

In XXXX, XXXX XXXX offered me an opportunity to apply for a loan at a lower rate that would allow me to consolidate XXXX personal loans that I currently have with Lending Club. The total amount financed on XX/XX/XXXX was {$46000.00} ; they agreed to direct pay my loans with Lending Club and direct deposited the balance of {$2600.00} into my personal checking account. 
On XX/XX/XXXX, I was notified by Lending Club that they had received paper checks with my account number on them but they claimed that there was no name included so they would need some information ( loan number, issuing bank & check number ) from me before they would apply the funds to my accounts. ( emails in documents ) I was concerned about the amount that they claimed they received for the larger loan because it was {$2000.00} less than XXXX XXXX said they had paid. I contacted XXXX XXXX to get the information but was told that they would have to research it and get back to me. When I heard back from XXXX XXXX some time later and provided the information to Lending Club, I was told that the holding period had passed and they had returned the funds to XXXX XXXX. I again called XXXX XXXX to explain and was told that the checks had been cashed so as far as they were concerned, the money had been paid and there was nothing they could do to help me. 
I then went back to Lending Club several times to ask for proof that they had returned the funds but they were either unable or unwilling to provide me with any information. As it stands, I have no idea where the money is but both companies are charging me monthly payments. I have spoken to dozens of agents but have not been able to get this resolved. Although it appears Lending Club has the funds, I will also be duplicating this complaint against XXXX XXXX because they have not honored their agreement to pay off the loans. 
This has put a significant strain on my monthly finances and had a serious negative effect on my credit score. I have used savings to meet my obligations but will not be able to continue to make double payments. I need help to get this resolved because I feel like both companies have turned a deaf ear to the situation.
Product: Debt collection

XXXX XXXX XXXX : XXXX ACCT # XXXX [ XXXX XXXX XXXX XXXX SC XXXX ] According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the inaccuracy reporting on the following accounts : XXXXXXXX XXXX XXXX****, XXXX/XXXX  XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX/XXXX XXXX****, XXXX/XXXX  XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX**** ... 3 credit bureaus showing different high credit balance, where are these numbers come from? Remove the accounts because the payment did not show the correct history
Product: Debt collection

I disputed inaccurate and inconsistent information being reported within my WF Auto Account and WF Credit Card Account with XXXX. The information came back updated and was still incorrect. Also, I requested a deletion of the account and not an update for updates are too not accurate. XXXX failed to provide requested information for my disputes that were challenged and deemed accurate. Once I called, they said the account could not be removed because the account belongs to me. I was not disputing the validity of the account, but the derogatory remarks listed within those accounts. Failure to provide method of verification is a violation of my rights. I would like this matter to be evaluated.
Product: Debt collection

Focus Receivables Management calls my home everyday of the week with a Recording stating they are trying to collect a debt. I do not owe a debt.
Product: Credit card or prepaid card

I signed up for a credit card with Barclays and was approved on XXXX. I received 2 completely different cards in the mail. I called and was told it's not possible, that 2 accounts could not be created for one customer. After being charged annual fees on each of them, I called and was told that I indeed did have 2 of these barclays XXXX XXXX XXXX card accounts opened and that if I met the spend requirements I would earn the sign up bonus ( 80,000 XXXX Airlines miles ) on each. 

I did that, and received no bonus, nor a refund on the annual fee. 

Maybe it's not supposed to be possible as they said and I don't know how it happened, but it did, and I was assured that by going through the trouble of spending the money on the card and paying the annual fee, I would earn the bonus. 

To reiterate, I DID NOT open two accounts, as I'm sure their records will show. I submitted ONE application ( online ) and ended up with two accounts, two annual fees, and assurance that each should earn the bonus. 

On an earlier case the bank responded that " these bonuses and/or incentives are intended for applicants who are not and have not previously been XXXX XXXX XXXX XXXX XXXX XXXX cardmembers '' which does not address the issue that their glitch ( or whatever it was ) created.
Product: Consumer Loan

This is an 18 month interest free loan for 18 mos. 
The company on the statement continously shows interest charge and we have confronted them but they do not seem to correct it. 
Previous case # XXXX. 
They are supposed to charge me a nominal payment of {$250.00} per month for 18 months. This loan should not accrue any interest. 
Instead I am being charged {$180.00} interest per month.
Product: Credit reporting or other personal consumer reports

It's been over 60 days since I asked for an initial investigation and 30 days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and Experian, XXXX, and XXXX refuses to address and solve my issue. This is violation of my rights according to 15 USC 1681i. Then my payments are inaccurate nor comply to 15 USC 1666 nor did I give written consent.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Checking or savings account

Since XX/XX/2022, Ally Bank 's debit cards have not been working for a number of customers including myself. I called to find out why my debit card was not working on XX/XX/XXXX, and was told that they were issuing new cards to customers due to a change of a back end system, and all affected customers ' current cards would not work and we need to wait until the new card arrives to activate that card. For me, this is expected to happen on XX/XX/XXXX. As a result, I have not had access to approximately {$13000.00} of funds in my accounts and won't until the new card arrives. Ally is not able to provide a work around for this, and is refusing to help make things right with account holders such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX i mailed in a dispute in reference to an account being collected by professional debt mediation account number XXXX as being a incorrect account number in the amounts of {$650.00} an {$580.00} i also spoke with someone at the credit reporting agency and i was assured that this matter would be reinvestigated and corrected and i recently recieved a reply back stating it has been certified an will remain on file when i know its reporting inaccurately, futhemore, i also disputed a public record filing [ chapter XXXX bankruptcy ] on XX/XX/XXXX which i requested verification of there method of verifying this information they failed to provide me with any documentation i aslo went as for as to provide the reporting agency [ experian ] with a copy of a letter i received from whom they claimed to have verified the info from stating they dont communicate with any third party creit bureaus along with a copy of a letter where i had a security freeze place on my XXXX/XXXX credit file and they still havent corrected the error
Product: Credit card

Fraud dispute was filed XX/XX/XXXX XXXX called for more information on XX/XX/XXXX Fraud dispute denied XX/XX/XXXX Called company XX/XX/XXXX at XXXX XXXX  cat to appeal and request and ask for supporting evidence on their decision to which I was belittled and laughed at what supporting documents supporting documents of cards having chips hahahah ) essentially being denied any evidence other then the physical card was used therefore its not fraud.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


XXXXNever Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card

I am a XXXX XXXX XXXXXXXXXXXX XXXX and an authorized user on my wifes American Express Cash Preferred credit card, which we opened while I was on XXXX XXXX service. During my XXXX XXXXXXXX XXXX, Amex ( American Express ) waived the annual fee under the Servicemembers Civil Relief Act ( SCRA ). After leaving XXXX XXXX, Amex has refused to continue waiving the fee, despite my being XXXX XXXX XXXXXXXX due to XXXX XXXX XXXX XXXX. I believe this denial is discriminatory, as I am no longer XXXX XXXX XXXX  due to my XXXX. I am seeking further investigation into Amexs decision and whether it violates any protections for XXXX veterans under SCRA or other relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 my credit was ran 4 times without my approval for a car loan within a 45day period.My credit was ran In one, I did not approve of it nor did I know that my credit was being ran that many times.This has lower my credit a lot!
Product: Debt collection

I UNEXPECTEDLY RECEIVED A LETTER OF GARNISHMENT OF WAGES AT MY PLACE OF EMPLOYMENT. I NEVER RECEIVED A SUMMONS TO APPEAR IN COURT FOR A DEBT IS XXXX YEARS OLD AND I RECEIVED A LETTER OF VOLUNTARY DISSMISSAL FOR.
Product: Mortgage

When we refinanced our home, the paperwork indicated we could apply to remove the PMI from our mortgage on XX/XX/XXXX, prior to the automatic termination date of XX/XX/XXXX. In XX/XX/XXXX, I called to inquire and was sent application paperwork. After receiving the paperwork, I called to ask about the difference between a Broker Price Opinion ( BPO ) and an Appraisal, since the cost difference was substantial. I was led to believe a BPO was an external inspection of our home to ensure it had not fallen into disrepair. From my recollection, I was never told, nor were there any implications, that the realtor would be doing a detailed cost comparison to other properties. 

The inspection date was XX/XX/XXXX and I received the BPO along with a letter stating that I now needed an appraisal to remove the PMI. I reviewed the BPO and found several inconsistencies that substantially reduced the realtor 's price opinion of my home. 

I called USAA Federal Savings Bank/XXXX and asked to speak with someone in the escrow department, so I could discuss these inconsistencies and hopefully come to a reasonable solution. Customer service refused to allow me to speak with anyone, stating it was an internal department and they did n't accept phone calls. She asked if I wanted to dispute the BPO 's findings, which I did. She informed me someone would be in touch with me within 2-3 business days after they reviewed my PMI removal application. 

I never received a call, so I called again the following week and was told my information was under review with a XX/XX/XXXX deadline. 

Knowing I would n't receive a call on XX/XX/XXXX, I called again on XX/XX/XXXX only to be told by customer service that BPOs are not disputable, regardless of whether the data is accurate or not. 

I sent an email to the parent company 's web site ( USAA ) complaining about the process, in particular the errant BPO. While I received a nicer response from the parent company, the message was the essentially the same : " We do n't care if the BPO is inaccurate, because it works in our favor. If you want the PMI removed prior to the automatic termination date, you need to get an appraisal ( i.e., we get to charge you more money for the appraisal AND keep charging you PMI ). '' I have attached the following documents : a. BPO pages showing comparative sale data and comparative listing data b. XX/XX/XXXX Refinance appraisal page showing specifications of my home. 
c. Spreadsheet showing comparable sale data taken off USAA 's own web site, along with additional comparable sales found within our immediate neighborhood area. 
d. Spreadsheet showing comparable listings within our immediate neighborhood area. 
e. Letter to USAA parent company and response received. 
f. Outline of errors/inconsistencies contained in the BPO, along with an accurate cost comparison using one of the BPOs comparable listings.
Product: Debt collection

I've received several notices from Calvary SPV for accounts that have been in default due my failing health. 

CALVARY bought debts from a 3 cards and entered judgments against me XXXX XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} XXXXXXXX XXXX- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy reporting on my credit report inaccurately, And it came back as verified, I have contacted bankruptcy dept and they then informed me that they never verified anything and that info came from 3rd party verification which only verify address name and last four of ssn ... Which is not me and is a family member with the same name is me who has previously committed fruad under my name I would like this to be removed from my credit file or this to be sent up to a executive manager to be reviewed cause bankruptcy info is inaccurate and dont belong to me and need to deleted, Thanks wrong person
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX Date opened : XX/XX/XXXX Original balance : {$18000.00} Status : Closed. {$11000.00} written off Status : updated XX/XX/XXXX XXXX loan between myself and Ex-wife. She took the vehicle and failed to pay the loan. The vehicle was repossessed ( I assisted in locating the vehicle ). That Vehicle has since been resold, the loan the balance charged off, and sold the balance to a collection agency.and I have to deal with them as well
Product: Credit reporting or other personal consumer reports

On several occasions I have submitted disputes in reference to my address being inaccurate, accounts supply inaccurate information etc. I have requested for investigation into these disputes and Ive been told that they were correct. Some items were removed and reinserted on my credit report. 
Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX Nissan. On XX/XX/XXXX I received a letter saying that the contract was cancelled and I needed to return the vehicle and I would get my trade in car ( XXXX XXXX ) back. I went to the dealer on XX/XX/XXXX to return the XXXX XXXX, but the dealer refused to take it back and to give me my XXXX. I argued with them for hours but they refused to acknowledge the contract cancellation and said it was no longer cancelled, which they can not do. As per their contract, the XXXX should be mine still and it would be illegal for them to sell it. Because of this, they now sold an invalid contract to the bank that did the loan.
Product: Credit reporting or other personal consumer reports

Complaint Regarding OneMain Date Closed : XX/XX/year> Issue : Re-aging of Account Dear Consumer Financial Protection Bureau, I am submitting this complaint against Experian for improperly reporting an account ( Account : XXXX ) as on my credit report despite it being older than XXXX years and closed in XX/XX/year>. The account has been inaccurately re-aged, violating my rights under the Fair Credit Reporting Act ( FCRA ). 
According to Section 605 of the Fair Credit Reporting Act, 15 U.S.C. 1681c, no consumer reporting agency may include an account placed for collection or charged to profit and loss in a report if the account is older than XXXX years. The specific sections of the FCRA that have been violated are : 1681c ( a ) ( 4 ) : Accounts placed for collection or charged to profit and loss must not be reported if they predate the report by more than XXXX years. 
1681c ( a ) ( 5 ) : Any adverse item of information, other than records of convictions of crimes, must not be reported if it predates the report by more than XXXX years. 
Despite this, the credit reporting agency has re-aged this account and continued to report it in a way that violates these provisions. I respectfully request that the CFPB investigate this matter and assist in ensuring that the credit reporting agency complies with the FCRA and removes this inaccurate information from my credit report.
Product: Money transfer, virtual currency, or money service

Two huge issues that have been outstanding for 18+ days.

1 ) I purchased in the few minute window XXXX was live after initial launch and the price shown was invalid. My order for XXXX went through at XXXX and coinbase app charts are showing this never hit that. It was at XXXX for day which was also not true. As per your terms of service this transaction should be invalidated within 10 business days of reporting it - been longer than that. Please help! I spent hours on the phone and email is unresponsive. They canceled and cleared the order books of tons of orders but for some reason mine did not make the cut. Not sure how that is legal.. if they were to call off the launch - everyone 's orders should have been cleared - not just some. 

Case Number : http : //support.coinbase.comXXXX - no relevant response. They forwarded me money about a fork - which this had nothing to do with and I have n't heard back since. 

2 ) I sold .5 ETH 18 days ago at XXXX and it was never credited to my USD wallet. It just vanished into thin air. CoinBase, please invalidate the transaction since it didnt go through properly. No response since i logged this on XX/XX/17. 

Case : XXXX - no response whatsoever. 

-- - General Experience : Two hours on the phone the first time around and they said they could n't help me - need to email and wait. I did and I just learned after spending another two hours on the phone that I was waiting in the wrong department / queue - and needed to call a separate number. Apparently posting to the cases asking for updates also puts me further away from a response and resolution. 

This is outrageous - it 's theft & a scam. I 'm loosing money by having it tied up in invalid transactions and transactions that never went through. 

Any help would be appreciated. 

Thanks!
Product: Bank account or service

I opened a new Bank of America account in XXXX 2016. There was an unauthorized activity on my account which caused the insufficient funds and the bank wanted to close my account based on risk assessment. But when I went to the financial center and explained them the situation, they said that the insufficient funds charge had fallen off and that I would not need to file a claim. The bank also returned the NSF fees. But now after a month, my debit card was blocked and I realized from the bank that my account is being closed all of a sudden. They also are reporting me to the chexsystems, which means that I would not be able to open a new account for next 5 years in the USA. I do n't want to get penalized by not having an account for not making a mistake. I wish to get a response as soon as possible because it would create a lot of problems for me since I am just starting with my career here.
Product: Credit reporting

I did not file for bankruptcy. I went on to XXXX and got the documents that was filed and it does n't have my name nor does it have my correct address. This is not mine. They keep verifying that this is mine but it 's not mine.