23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

( See more details in the included document named Dispute not solved Response to XXXX. ) XXXX did not sent their Dispute Results through the C.F.P.B. no matter I filed the complaint here.

Additional Information and Documents About My Dispute to Help XXXX Resolve It : Dispute Is Not Solved, on XXXX Credit File : XX/XX/XXXX ; Confirmation # XXXX ; account on page 4 o 6, and page 5 of 6 ; with account number ending in XXXX, date opened XX/XX/XXXX, appearing as Paid. 

1. My credit report is about this credit card account, still has to be corrected.

- Santander never reported the 48 monthly payments made of the Certified Payment Agreement as Paid As Agreed, one every month while agreement was active, last 2 payments in just one on XXXX XXXX XXXX. 
Instead : XXXX REPORTED 48 LATE PAYMENTS!!!! 
See XXXX Credit File Included page 4 o 6 and page 5 of 6 - This account was originated and paid, only at XXXX XXXX XXXX XXXX ; NEVER TO A COLLECTION AGENCY. 
just before they left this Island of XXXX XXXX, Paid as Agreed with XXXX XXXX XXXX on XXXX XXXX XXXX, see Merge Result, PDF, all of the 47 monthly payments of {$120.00}, and last payment of {$100.00} in XXXX XXXX XXXX pages 36 - 38 ( pages 3-5 pdf ) - This account was not a loss ; It was Paid in Full to the original Bank, XXXX 2 XXXX XXXX wanted to sell this same account to a Collection Agency, WITHOUT NEVER INFORMING IT TO ME BEFORE I ACCEPTED THIS PAYMENT AGREEMENT, after the 1st monthly payment of the Certified Payment Agreement was paid.. 

No matter this XXXX Credit File of XXXX XXXX, XXXX, for the first time since XXXX XXXX XXXX when account was Paid in Full, shows this account as Paid with a XXXX Balance in any credit report : - it is still reported as a charge off account, when is not true ; this has to be corrected, see XXXX Credit File page 4 - It was Paid in Full directly to the original Bank, XXXX ; this has to be reported with precision - all cash payment receipts are included : see photos included- all payments were made to the original credit card account number ; credit card photo included and receipts- The 2 letters certifying the start of the agreement and the end of it are from XXXX, both included ; there is no collection agency certifying it was paid, but XXXX XXXX from XXXX XXXX, See XXXX XXXX XXXX XXXX, and XXXX Balance Notification, also from XXXX XXXX. 
- The XX/XX/XXXX Payment Receipt appears without the XXXX stamp ; the female officer at this branch, made an additional printed receipt where she put the XXXX stamp, twice, but I was unable to find it on time. 
I believe this payment was made by myself at XXXX main branch in XXXX XXXX.
Product: Student loan

I had the original loan in XX/XX/XXXXwhen I was XXXX years old. The exact amount I am not sure, but I did pay for awhile and then it went into Forbearance due to hard financial issues. In XXXX I guess they consolidated and the balance was {$8100.00}. I have been paying {$94.00} with 6.125 % interest since then. As of today, I still owe {$7800.00} and will not be done with the loan until XXXX. I think the fees are extremely ridiculous! I know I am responsible for some back due interest, but I was told that the {$8100.00} was where I was starting in XX/XX/XXXXand so when I do the math, I have paid over {$13000.00}. I think they are adding fees. I am now XXXX years old and can not believe I still have student loans. 
The loan details I have at attached are with my maiden name. I am in the process of getting that changed. Thank you for your time. 
The school I went to was XXXX XXXX XXXX XXXX XXXX in XXXX Id. They are no longer around.
Product: Credit reporting or other personal consumer reports

I have attempted three times for Experian to investigate an account and each time they have failed to investigate. I am beyond frustrated. Each time nothing is updated. They come back stating, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Product: Debt collection

Rozlin Financial Group collected debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX didn't have the right address or phone number for me and I never was noticed of a payment I needed to make. I found out years later that this was on my credit report. I then payed it but I still need this to be removed from my report. I don't deserve this.
Product: Credit card or prepaid card

This incident began on XX/XX/2021. We received a phone call asking about a fraudulent charge on our credit card. We replied that it wasn't our purchase and they connected us with 'fraud '. Well, we were scammed! I explained when I called Chase that we were scammed out of our passwords as well as asked to give the 3 digit number on the back of our card. We were told by the scammers they needed these in order to make sure they were cancelling the right credit card because we have two accounts. Later they told us they would send us our new cards. Soon after I checked our credit card to make sure it had been cancelled and the fraudulent charge gone and saw that a charge to a travel company for {$3700.00} had been charged to the card. I immediately called Chase and told them about the scam. This is still on XX/XX/XXXX. They connected us to fraud who said they were making a note of it and would cancel our card and send us new ones. Since XX/XX/XXXX I have spoken with at least 12 people at Chase, our account number has been changed twice and we have received two letters stating that the charge was legitimate and we were responsible for the amount. I spoke with fraud last week who assured me we would receive a call from them about the charge. The charge is still on our card. We are told that we don't have to pay the charge but we will pay interest on it if we don't pay that part of our bill. We have been with them for 18 years and during that time have paid the full amount due almost every time on time. We've never run into this problem in all these years but that doesn't seem to interest Chase. We are old and were scammed but we don't have $ XXXX lying around for someone to have fun on. We were advised by Chase early on not to contact the company that the charge was made to as they would be contacting them. I have even emailed Chase on their secure email and received replies but with no result. Yesterday, XX/XX/XXXX, XXXX we received a call from Chase that we are responsible for the charge. When you make a call to their number you receive a recording that the call will be recorded for voice verification and security. Chase told us that didn't matter. The party who charged our card had our passwords and we could've given them permission to use them. 

I called right away and explained to Chase right after it happened. When speaking to these different employees they didn't see notes on our account about what had happened. Apparently it wasn't important. Also we were informed that Chase will also be contacting the credit companies if we don't pay the amount. 

I'm just sick that we fell for the scam after being with Chase for 18 years with a good payment record. Chase doesn't believe us and we are responsible for the amount..
Product: Checking or savings account

On XX/XX/XXXX I traveled forty-five minutes to visit the Bank of America branch closest to me to redeem XXXX XXXX  XXXX XXXX bonds that my late father had purchased on XX/XX/year>. The person that served me, and his manager, said that the bonds had not yet matured. I pointed out that the bonds were more than XXXX years old, to no avail. 

After multiple emails with multiple persons, the point of contact that BoA designated for exclusive communication blamed the failure on treasurydirect.gov. I searched for news of any such failure and found nothing. I then asked whether BoA had experienced any similar failure that day. 

BoA has not responded to multiple follow ups, so I suspect that they lied.
Product: Debt collection

I received a letter today from JACOB LAW GROUP , PLLC. The letter stated they were collecting on a judgement from XX/XX/2004. First off this alleged debt is 16 years old which is way outside the statue of limitations in ANY OF THE 50 STATES WHICH IS VIOLATION NUMBER ONE. I HAVE NOT SIGNED ANY DOCUMENTS OR DONE ANY BUSINESS WITH JACOB LAW GROUP. IAM ALSO SEEKING LEGAL ACTION AGAINST THEM FOR ATTEMPTING TO COLLECT ON AN OUT OF DATE ZOMBIE DEBT. I WILL ALSO BE FILING A COMPLAINT WITH THE ATTORNEY GENERAL OF ALABAMA, TENNESSEE, AND ARKANSAS. A FORMAL COMPLAINT WITH ALSO BE FILED WITH THE FBI FOR FINANCIAL CRIMES ALSO. IAM ALSO FILING A FORMAL COMPLAINT WITH WITH EACH STATES BAR ASSOCIATION FOR MISCONDUCT.
Product: Credit reporting or other personal consumer reports

TO : CFPB, XXXX, AND KICKOFF LENDING LLC ACCOUNT # XXXX XX/XX/XXXX I'M REQUESTING THAT KICKOFF LENDING LLC REINVESTIGATE MY ACCOUNT MENTIONED ABOVE. 
THE STATUS ON THIS ACCOUNT SHOWS PAID THE TERMS WERE 12 MONTHS WITH ME AND KICKOFF THE ACCOUNT WAS OPEN XX/XX/XXXX THE LAST PAYMENT WAS MADE XX/XX/XXXX SO THAT MEANS I FULFILLED MY TERMS WITH KICKOFF WHY DOES IT SAY THAT LATE PAYMENTS OF 90 DAYS IN XX/XX/XXXX, WHEN MY LAST PAYMENT WAS MADE IN XX/XX/XXXX PLEASE REMOVE THE LATE PAYMENT SO THAT MY ACCOUNT IS IN GOOD STANDING.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a letter including several unrecognized inquiries, that I complained and requested removal to both the Credit Agency and the Companies.

They accepted removal and the Credit Agency after weeks is not removing them from my Credit file causing financial damage.
Product: Checking or savings account

Truist is constantly charging me a {$7.00} maintenance fee when I've met their requirements which include maintaining {$500.00} in the account. I have called them numerous times requesting a refund and they decline to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX are reporting a debt from original creditor XXXXXXXX XXXX from XXXX on my credit report. I don't live in XXXX for 6 years and I never had a debt in there. I asked them for the original information and it's complete IDtheft. I asked them to remove from my report and stop reporting. they still reporting
Product: Money transfer, virtual currency, or money service

Usaa would n't credit my account with an international wire even though I had documentation proving it was mine. The company wo n't do anything to help me
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX  XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XXXX  XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion refuses to delete an account that is not mine, I have sent a validation letter to the company and got no response. I have disputed the account on numerous occasions asking for a deletion. I recently had to place a fraud alert on my credit reports which I did before connecting the company regarding this issue. it was multiple accounts on my credit report that I had to dispute being that it wasn't my accounts and had no issues getting the items removed. XXXX  has also deleted a bankruptcy off of my report They are still illegally reporting the fraudulent account despite me asking them to delete it from my credit report. This is against the FCRA laws. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if transunion fails to comply with the federal law I will be forced to take further action. I am a litigation consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA. Transunion countines to lie to me and tell me the bankruptcy court is providing and verifying this public record information to them but they don't. attached is a email from the bankruptcy court and email from pacer and documentation from XXXX   showing bankruptcy deletion. Please read carefully before lying again! I have also submitted a idtheft report FTC REPORT NUMBER XXXX
Product: Credit card or prepaid card

I haven't wasted countless hours trying to close my Citi Prestige Credit Card account. I have never been able to use the card. As soon as it was activated it was flagged for fraud. Citi has never been able to verify me. 

In fact, this is my second CFPB complaint on the matter. On the first complaint, XXXX XXXX of Citi 's  Executive Response Unit did not even address my frustration. The fact is over the course of XX/XX/XXXX and  XX/XX/XXXX I have wasted countless hours of my life trying to be verified by Citi for a credit card they have given to me so I can SIMPLY CLOSE THE ACCOUNT. XXXX XXXX claims a letter was sent to me and that I need to provide a reference number to close the account. I RECEIVED NO LETTER. You call the fraud department, they can't verify me. They transfer me to customer service. Customer service says they can't do anything and that I need to talk to the fraud department. No one knows anything or is able to do anything. I've called XXXX XXXX of the EXECUTIVE RESPONSE UNIT twice and left voicemails -- no response or follow-up. 

Citi is charging me interest and fees for an account I can not even access!!!!!!!!!!!!!!!! Despite having a checking account and savings account with the Citi Private Bank arm, no dice. I'm lost in the system and it seems like there is absolutely no hope and no one at Citibank is capable of rectifying my situation.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX for my family members living support, I sent {$110.00} to XXXX at XX/XX/year>, but they can't receive the money, I called the Sigue for full refund, but I did not get my refund.
Product: Credit card or prepaid card

The complaint is about TD bank and XXXX XXXX. On XX/XX/2020 XX/XX/XXXXand XXXX XXXX XXXX moved me out of XX/XX/XXXX to XXXX XX/XX/XXXX. After nine days I didn't hear anything from the moving companies. I called them to find out about my belongings I was told " they don't know when you're going to get your stuffs ''. I called the bank companies to put a stop on the payment. After a month they put the charge back into my accounts. Then two months later, the moving companies used again my account to get the money and the banks had sent me a letter to let me know that they reversed the charge in favor of the moving companies without my consent. 
Now the moving companies have the money and my belongings on hands. I present the case to you to see in order to get your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit card account with Avant was paid in full and closed XX/XX/2022. The company sent account to collections company XXXX XXXX XXXX. I have submitted documents showing proof of payment and still receiveing calls and letters attempting to collect on a paid and closed account.
Product: Credit card

On Saturday, XX/XX/2023 I went to XXXX XXXX XXXX XXXX ( XXXX ), a nightclub located at XXXX XXXX XXXX XXXX XXXX XXXXXXXX and arrived at around XXXX and stayed for about 40 minutes. During which time I had 2 drinks valued at {$4.00} apiece, totaling {$8.00} in total purchases. The bartender before ordering the drinks told me how much the drinks were and requested my credit card to start a tab and then handed it back to me and said that when I was finished to come back to the bar and close out my tab and I could pay my bill. However, I was asked to leave prematurely without any explanation or reason while being pushed from behind by what appeared to be a male XXXX employee. The person who asked me to leave I asked him why I was being pushed out and had to leave, but he said he was unclear of the reason and could not provide any explanation. Nor when I asked about my tab was, he able to assist in resolving it. 
Moreover, on XX/XX/2023 I called XXXX though no one was available to answer or to return my calls. Next, I tried the owner of XXXX, XXXX XXXX at XXXX. XXXX seeking to resolve my credit bill though someone claiming to be his mother answered and said that she would have him call me back within a few hours, but I still havent heard back from him. 
My online account with Bank of America shows a {$150.00} charge from XXXX dated XX/XX/2023 of which I am presently disputing {$150.00} of it, minus the {$8.00} for the 2 drinks that I was served on the evening of the XX/XX/2023. I am requesting that Bank of America resolve the matter by reversing the disputed charge amount of {$150.00}.
Product: Mortgage

I have filed a complaint - XXXX with CFPB The complaint was closed and I commented on it. 

However! Since that time I received an incorrect package on my HAF application from XXXX XXXX XXXX. 

I spoke to them as the financial calculations were incorrect. They told me not to sign it and they would re-do it. That was on XX/XX/XXXX. 

I began this entire process in XX/XX/2022. 

To date I have received no re-working of the HAF funds. Approximately {$35000.00} will bbe given to Chase when this is said and done. However! according to XXXX  XXXX Chase needs to provide info to them. According to Chase, they acknowledge that they are " working on it ''. 

When I ask where the glitch is right now, they can not tell me. XXXX mentioned that they have to ask FHA to accept the new terms- this is the first I've heard that Chase has to " accept '' anything - it is money coming to them by their agreement to participate in the HAF program. 

In the meantime my interest rate at the start of this had been recalculated to 2.2 %- it is now I'm sure well over 5 % - this is not right - this is not my fault. 

I have been with Chase for many years. I've owned my home for over 34 years. I am XXXX XXXX XXXX. 

I deal with a XXXX XXXX at Chase Executive offices. Her phone number is : XXXX. 

The info at XXXX  XXXX is XXXX - I have no name there. 

I desperately need your help. This is just not right that this is happening. 

Thank you for your assistance.
Product: Checking or savings account

Upgrade pays cashback on payments made using a debit card. Upgrade has failed to provide cashback on transactions incurred in XX/XX/XXXX and XX/XX/XXXX. Multiple calls were made to customer service who have acknowledged that the cashback is not credited to the account due to " technical issues '' and the issue will be resolved. It's been more than 6 months and upgrade hasn't cooperated. My last email communication to upgrade was on XX/XX/XXXX but I received no response to the same. 

I filed a complaint with CFPB on XX/XX/XXXX regarding this under case id XXXX. On XX/XX/XXXX, Upgrade responded with the following " Dear XXXX XXXX, Thank you for your correspondence through the CFPB received in our office XX/XX/XXXX. In your letter you mentioned you failed to receive your monthly cashback rewards. On XX/XX/XXXX, you received email correspondence from Upgrade indicating that {$80.00} in cashback rewards was posted to your account. After reviewing your account we found that due to a system oversight that you did not receive your cashback rewards. We would like to apologize for this inconvenience and as a gesture of goodwill, we have provided an additional {$50.00} credit to your account on file with us. If you have any additional questions, please contact our Customer Advocacy team at ( XXXX ) XXXX, Monday through Friday, XXXX XXXX, or email XXXX XXXX XXXX Sincerely, Upgrade, Inc. '' It has been more than 2 years since Upgrade 's response. But I still havent received the missing cashback nor the goodwill adjustment. Upgrade has openly accepted the issue was on account of " oversight '' but has failed to resolve the issue causing financial hardship to the customer.
Product: Mortgage

I have tried to work with Nationstar Mortgage but they have said they prefer to short sale or foreclose. I believed I qualified for a HAMP loan but it was denied. They issued a Standard Loan Modification that I could not afford. Nationstar is forcing foreclosure and short sale only options. They have said that they are not obligated to provide me with a loan modification. My problem with this is ; I would never do business with this company, but I am forced to. Where is my protection from predatory non-bank lenders? 
I want to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters for 4 months now and requesting verifiable proof in regards to 2 accounts under XXXX. XXXX/Equifax/XXXX  are reporting inaccurate information and they must delete the items in questions. Failure to investigate and remove the inaccurate account is causing great stress to me and my family. I read somewhere that it only takes 20 or 30 days to investigate this matter. More than 40 days have passed and nothing from this company.