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

On XX/XX/2024, a handful of Affirm loans were marked as 30 days late. I had several loans totaling approx {$5000.00} across several loans. Affirm never disclosed if they'd report to the credit reporting agencies, let alone when. 

On XX/XX/2024 I spoke with a representative for over 45 minutes and got a consistent run around on reporting dates. After I explained that I had been making payments and the amounts weren't correct and asked what I needed to pay to get " caught up '' she refused to tell me. 

She also stated that I would get an email follow up about the matter and I haven't heard back.
Product: Debt collection

This company try to collect e debt that not belong to me .The credit bureau they deleted the original creditor because they find that debt is not belong to me, and this company abuse trying to collect a debt that not exist
Product: Credit card

I was talking to Citi representative today, whose name is XXXX, about my credit card Citi bank. I was actually thinking about closing this account. But the XXXX told me the benefits of the account and informed me that the account has no annual fee. So, I changed my mind and decide to leave the account open. I clearly told the representative, who is XXXX, " I will leave the account open ''. What 's more, XXXX Said '' Okay, I will keep this account open and thank you for continuing business with Citi '' Nicely, I hang up my phone. Ironically, I immediately got an email from Citi, telling me that my account is closed. I mean, seriously, this is how Citi bank trick its customers??? This is unbelievable.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, regarding the inaccuracies in my personal information appearing on my credit report. It has been weeks since my previous dispute, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. 

To reiterate, my correct and up-to-date personal information is as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX I previously enclosed supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card, to substantiate my claims and validate my identity.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a prompt and thorough investigation of disputes and correct any inaccurate information within the mandated timeframe. Your delay in addressing this matter raises concerns about compliance with federal law and the integrity of your processes.

I kindly request the following : 1. Immediate removal of the erroneous address from my credit report.

2. An updated credit report reflecting the corrected information. 
3. Written confirmation of the actions taken to resolve this dispute. XXXX XXXX XXXX, XXXX, CA, XXXX
Product: Mortgage

Started buying home XXXX ended up with subprime loan. My wife and I are seniors XXXX and XXXX XXXX XXXX an I am a XXXX XXXX with XXXX working for the government. We started having problems in XXXX and filed for a modification with Ocwen, nothing became of it. We filed bankrupt in XXXX and filed for another modification in XXXX and was led to believe that we had a modification until XXXX of this year XXXX XXXX ) and was told that we did not have a modification. We were told by XXXX XXXX XXXX in XXXX XXXX that they can and will refinance our home. They took {$550.00} for appraisal and the end of XXXX XXXX they told us they could not refinance. We contact XXXX in XXXX XXXX which we thought was this office and they took {$2500.00} of our money.We would call and could not get to talk with anyone. We are trying all we can to keep our home and continue to be taken through the ringer. We are at the point and do n't know where to turn to. We hope and pray that you can lead us in the right direction. If more information is needed, please contact us
Product: Debt collection

XXXX I was a victim of Identity theft. All my information is in the XXXX market.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX for a XXXX vacuum. I was transferring jobs and advised this company that I needed help paying the bill. The 1st representative agreed to help me, then I began getting collection calls at different hours and nonstop. I began to get aggravated so I borrowed money from a family member and asked for a payoff. I was advised that if I paid a little more than half the amount, they would mark the account as paid and full on my credit report. I made the payment, and received a letter saying paid in full, but my account now shows I owe the rest of the balance and the account is still listed as negative on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, at XXXX pm I sign in for Equifax 3-1 Credit Scores & Monitoring Family Plan. I was charged {$19.00} for one month service. My goal was to see my three Credit bureaus credit scores and reports and fix if I'd encounter any errors. 
I was greatly appalled to find the following disallowances on the Equifax 3-1 Credit Scores - 1 ) the Equifax system disallowed me to enter individually each of the credit reports and prevented me to see the details on each of the reports. 
2 ). The Equifax system disallowed me to log in after it cuts me off 3 times for the period of 15 minutes. Even when I had my correct User name and a password, even when it prompted me 3 times to change my password ... 
3 ). From XXXX pm to XXXX pm ( the time I was a customer of Equifax ), I was disallowed to use and click on the inner links, which would allow me to look for details and any errors on my credit report. 
I BELIEVE THIS IS DONE PURPOSLY WITH AN AIM TO PREVENT CUSTOMERS TO OPERATE AND FIX THEIR CREDIT REPORT 'S ERRORS. 

THUS EQUIFAX WANTS {$19.00} FOR NO SERVICES PROVIDED. 
I called their Cusomer Serivce number and canceled my membership immediately at XXXX pm. I spoke with XXXX, Customer service, who originally REFUSED TO FULLY REFUND MY MONEY. I TOLD HER I WILL BE FILING A CFPB COMPLAINT AND THIS IS HOW SHE AGREED TO REFUND MY MONEY between 3-5 business days. I protested stating I have been a less than 30 minutes customer, why they will hold my money? ... Clearly, Equifax does not have any interest of providing services to it customers, while BLOCKING THEIR DATA, AND holding the money in its bank account ... the way Equifax 'd earn millions of undeserved $ $ $ $ $ XXXX Imagine if Equifax is holding in such way of cancelation the money of 1 million canceled accounts? How much money Equifax will earn from interest? At the same time customers are not being provided with the service, and Equifax is MISUSING THEIR CANCELED MEMBERSHIP FEES. 
THIS IS SO WRONG! 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Thank you XXXX for your order! 

Order Confirmation Print PagePrint Page Product Status Price Equifax XXXX XXXX Plan View My Product Complete {$19.00} per month Thank you for your order. Your transaction code is XXXX. Please make a note of this number or print this page. The transaction code will serve as a receipt and as your account reference number. You may cancel at any time by calling XXXX, XXXX - XXXX EST. Total Cost : {$19.00} Payment xxxx-xxxx-xxxx-zzzz ( I changed the cr. card data ) {$19.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Please remove these items from my file. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$4000.00} ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

To whom it XXXX concern, Since XX/XX/year> I have reached out to Westlake Financial Services to request that they transfer my vehicle title to the XXXX XXXX, Oregon XXXX ( my new state of residence ). I've gotten mixed information from several XXXX XXXX. 

I went to the XXXX XXXX, Oregon XXXX where a representative provided me with the documentation needed to submit to my vehicle financial institution for my title transfer. I paid over {$30.00} to XXXX to priority mail the proper documents to the XXXX XXXX Department. More than a few weeks went by before I received a response. The response I finally did receive was a blank document listing only XXXX address and the documents that I mailed ( none of the documents I sent were filed out by XXXX ). It took me another month just to finally get hold of a representative in XXXX XXXX XXXX ( every time I requested to be transferred to the titles dept I would be placed on hold for over 15 minutes and then the line would disconnect ). They told me I needed to send a money order but couldn't disclose how much. This made absolutely no sense to me. I then asked to speak with a supervisor. To this day I have yet to speak to a supervisor despite my many attempts .... 

I then emailed XXXX XXXX XXXX explaining the whole situation. The reply I received provided me with information on the steps to take to begin the titles transfer ( information that I was already provided with in XX/XX/year> ). Basically, it seemed as if the titles dept didn't even review my inquiry. I then sent a follow up email urging the titles dept to please actually read my inquiry prior to answering. I received another reply stating that my ticket was closed. 

I then submitted another ticket through the XXXX XXXX portal. This time the ticket I submitted was a grievance. Once again requesting to speak with a supervisor. I also requested the exact information needed to complete a title transfer. How long the title transfer will take, and how I will be notified once the process is completed. I received an auto reply confirming that my ticket has been received, but that is all I received. 

Once I verbally stated that I was going to file a complaint through CFPB I was followed up with a call from the titles department. I spoke to an individual by the name of XXXX XXXX, XXXX XXXX. XXXX requested that I email him all the documents needed for a title transfer. As requested, I emailed XXXX the requested documents on XX/XX/year>. Despite my numerous follow up emails I have yet to receive a response from XXXX on the status of my title transfer. Once again, I have requested to speak with a supervisor. Once again, my request has fallen on deaf ears. 

At this point it has been almost a year since my registration expired. I need to speak with a supervisor at XXXX XXXX XXXX XXXX. I only want to correspond and work with a supervisor until my title transfer is completed. I need to know the exact information needed to complete a title transfer. How long the title transfer will take, and how I will be notified once completed.
Product: Debt collection

Flagship Credit Acceptance keeps responding that l am making frivolous complaints against them but fail to address specific concerns raised. Is the note being traded? This is a yes or no question. In no attempt have I made any statement that is not true. Flagship Credit Acceptance is an active registrant with the SEC which you have to be to transfer and sell securities it is outlined in the Securities Exchange Act. If Flagship Credit Acceptance is not engaged in securities fraud how were they able to receive the transferred note from Flagship Credit Auto Trust who is the issuer of the note and XXXX XXXX XXXX XXXX is the depositor who pays Flagship Credit Acceptance as the servicer to collect on the allege loan and make contact with its customers. All of this can be easily proven by getting a licensed broker to run the account number and matching this information up to the cusip number and XXXX XXXX XXXX XXXX account numbers. If Flagship Credit Acceptance would just answer my questions about the this alleged fraud I would stop filing complaints until then I have every right to get the CFPB, SEC ( whistleblower ), & FINRA involved to track their activities involving securities since what I'm stating is untrue. If you reply back that I am incorrect again this is exactly what I will do because I have repeatedly tried to handle this matter amicably without involving courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX is currently reporting a medical bill in collections that is incorrect. According to XXXX they are reporting two ( 2 ) Medical Bills from Professional Adjustment one for {$470.00} and one for {$650.00}. This information is incorrect XXXX is also reporting a medical bill from Professional Adjustment for {$650.00} that was paid and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove unauthorized inquires see FTC attache.... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity theft. Per Fair Credit Reporting Act Section 605B ( a ) ( 2 ) you are required to remove any accounts which were opened without my knowledge, consent or authority. The following items need to be removed as they are fraudulent TRANSUNION Collection : XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) Balance {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Balance {$260.00} Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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 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 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 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 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 XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, there was a XXXX credit card opened under my name that I did not open. Some time after the card was opened, the card accumulated debt and eventually my Experian credit score dropped, which is how I found out about the fraudulent card. 

I traveled from XXXX XXXX to XXXX XXXX and during that time I did not follow up or investigate with XXXX ( the card company ). 

In XXXX, I started reporting the issues to Experian. Around XX/XX/XXXX, I contacted XXXX fraud and they said they would open an investigation. Since then, I have not heard from XXXX and my XXXX XXXX is still low and the Experian site still lists the card as having debt under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened these accounts : Account name XXXX  XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$130.00} written off. {$130.00} past due as of XX/XX/XXXX. 

Account name SBNASELFLNDR Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Amount {$530.00} Account name SELF FINANCIAL/XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX XXXX {$530.00}
Product: Debt collection

Amount of collection is not correct and debt has already been disputed and cleared.
Product: Checking or savings account

I opened a venmo account and after 3 years of not being able to use it I was able to finally get it unfrozen. They always put me to the back of the bus when it comes to my service. I then proceeded to get a debit card so I can open a bank account since my mom used my ssn and ruined my credit with other banks. Prepaid banks are my only options left. I got my card and began adding money and purchasing running into issues with merchants with orders being late, wrong, or just flat out not delivered. Merchants like XXXX XXXX XXXX and XXXX have policies where they cant refund you more than 2 times so obviously if I order take out every week something is bound to go wrong. I used the dispute feature and now my account is deactivated with refunds still pending ; disputes still pending ; and my money is in there that I can't transfer even though their agent said I can. They're making me pay them for no reason. I had {$49.00} and I spent {$33.00} but was waiting on that {$33.00} refund but they overdrew my account saying I had to pay XXXX when it literally made no sense like I want to sue for deterioration of my mental health and starvation. They banned me on saturday when I was shopping in public and I havent eaten since
Product: Debt collection

My Debt was paid as I am the original source of the credit and XXXX XXXX so all Debts and Interest belong to me and I conducted XXXX and XXXX business with XXXX XXXX XXXX XXXX not Wells Fargo so any of my Trust self or Estate information sold is breach of contract and credits used also violations against XXXX XXXX and Person.
Product: Mortgage

On XX/XX/21, I received a call from Loancare, who is tied to XXXX XXXX XXXX who made the loan and did not sell it to anyone else, about my account payment being late. I was told by the robocall to call the number they were calling from. Odd, but I called back and got a person. The lady informed me my payments were late. I was paying biweekly and was well within the timeframe of both payments before the XXXX of the month. She was able to fix it and put a note in the file that this would be happening regularly from me for my account. The " extra '' funds were originally applied to the principal, but were recalculated to be part of the loan 's regular payment. I found out later that the funds were only applied as the later payment, and no benefit from " paying early '' would be seen. So, I felt the issue was resolved. 

Jump ahead to today, XX/XX/21. Same deal, robo call to call back. Called back and got the person to fix it. Then I asked how this can be fixed permanently as I will be continuing to pay biweekly. She informed me that they do not allow that and the system can not support that. As a web infrastructure engineer, I let her know that this was a choice by her company not to support this method of payment. She asked me to ask my bank to group them into 1 payment which XXXX stated they were unable to do. I asked her to escalate this request to her software " Tier 2 Support '', a common support request in web application support. She refused and said they will not be supporting biweekly payment options. I said I would continue to lobby for this and we ended the call amicably. The details have not been fixed on the site. 

Why do I care about biweekly? A : Pay less interest and B : make sure the necessary funds are removed at the point that they are available in case I need the later paycheck for other needs. Basically, for my convenience. 

Why would Loancare not do this? They do not want less interest paid to them and/or to do the work of reamortization of the loan payments in what would be an otherwise amicable transaction. Loancare does not care about their financially informed customers and chooses to do this. If they need a qualified web engineer to show them how to do it, please call me. Pro bono consultation! I just want this fixed and they refuse to do so.
Product: Credit reporting

There is no record on my credit report that I have been making mortgage payments to XXXX XXXX for the past four years. The last payment listed in my credit report is XX/XX/XXXX. In fact, my payments are up to date as of XXXX, XXXX. Additionally, I should add that my mortgage payments were not affected by my XX/XX/XXXX bankruptcy agreement.
Product: Checking or savings account

I am making this complaint solely against Betterment. 

On Friday, XX/XX/XXXX, I attempted to make two withdrawals from Betterment Cash Reserve account. The first withdrawal was from Betterment to XXXX. It initially appeared to have gone through without issues. The second withdrawal is from Betterment to XXXX XXXX. After attempting that withdrawal, I got an email ( see attachment ) saying that it is declined because Betterment needs to verify my identity with XXXX XXXX. I called Betterment customer support and did a conference call with XXXX XXXX XXXX XXXX said they don't do phone verification. Betterment customer support said transaction will be cancelled and money will return to my account. Call lasted about XXXX min. 

Today, I received an email ( see attachment ) from Betterment saying that once withdrawals are initiated they can not be cancelled. They said they needed my ID and a statement. They didn't verify what kind of statement I needed. So I sent both statements from XXXX and Betterment. 

After that, I called customer support. I was told my transaction is on-hold for both XXXX and XXXX ( not just XXXX ). Customer support also mentioned that they need to verify where the money is coming from not just where it is going to??? 

At the moment, I am suspecting that Betterment is stalling for time and they might not even have money. First of all these are my life savings, and I am deeply deeply concerned. Secondly, I have made similar substantial transactions in my lifetime with many other financial institutions. This is the first time I have experienced this. Thirdly, I am shopping for a house and may make an offer tomorrow. In addition, I am also planning to deposit funds in a CD. However, I have a deadline for that CD ( XX/XX/XXXX ). After which I lose that rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts XXXX XXXX # XXXX, XXXX  # XXXX, XXXX XXXX XXXX # XXXX, have 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