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

My XXXX-branded credit card was moved from XXXX XXXX to XXXX last XXXX. I was signed up for auto payments. My XXXX statement clearly said that my XXXX bill would be paid in full by auto payment. However, no autopayment was withdrawn and my account was reported as " late payment '' to the credit bureaus. 

XXXX agreed to waive all late fees. Later, they realized the XXXX statement was not sent as it should and they further waived late charges and agreed to fix the credit report for issues relating to the XXXX statement. 

However, they never did correct my late payment ding on my credit report. When I wrote to them to ask that they fix it as they said they would, they simply said they were unable to approve a courtesy correction to my credit report. 

I do not believe that the late payment was any fault of my own. Rather, this was due to a XXXX error.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 
SXXXX XXXX XXXXXXXX BALANCED {$1500.00} XXXX XXXX XXXX XXXX XXXX {$370.00} DATE OPEN : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit card

Greetings. I applied for credit with Home Depot Credit Services, underwritten by Citibank, on XXXX through Home Depot 's website. I received an email on XXXX from XXXX, advising me of attached results of their review of my credit application. I downloaded the document/letter and it advised me that they have denied my application due to the following reasons : History of delinquent credit obligation ( s ). The document/letter stated how they made their credit decision was based in whole or in part, on information obtained in a report from consumer credit reporting agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, XXXX I then contacted XXXX XXXX XXXX XXXX via phone conversation the same evening, XXXX to discuss and review my credit report and status with them, and explained to the agent that I was denied credit from Home Depot Credit Services based in whole or part from supposed delinquent credit obligation ( s ) in my XXXX credit report. The Agent from XXXX, who was a supervisor I spoke with, advised me that reviewing my credit history they have on file that I have no prior or outstanding delinquent obligations listed on my XXXX credit report, and she also confirmed that my credit standing was excellent, having an XXXXXXXX XXXX XXXX XXXX credit score, to which I concurred about everything on my XXXX credit report. The agent supervisor advised me that they could not provide any resolution for me on their end because I had no delinquent obligation ( s ) on my XXXX credit report to contest. I tried to explain to the agent supervisor that the information Home Depot Credit Services allege that I have delinquent obligation ( s ) that they say was sourced from XXXX XXXX XXXX XXXX XXXX, and I requested if sheXXXX XXXX XXXX XXXX XXXX could on my behalf, reach out to Citibank and correct the 'delinquent obligation ( s ) error that Citibank states is in my XXXX report they obtained. She advised that she could not. Therefore, I strongly believe that I am being discriminated against receiving credit from Home Depot Credit Card Services, due to highly incorrect information Citibank alleges I have on my XXXX Credit Report, to which XXXX XXXX XXXX XXXX outright denies, based on my current XXXX Credit Report. I can provide all the documentation, including the letter of credit denied, my current XXXX credit report, and other prior documentation and previous Home Deport Credit Card account I had that was closed XXXX, that will strongly support with additional proof of personal discrimination of credit denial to me.
Product: Credit card

I would like CFPB to continue pursuing the case ( Case number XXXX ) on my behalf with Discover. Thank you!
Product: Student loan

I am the primary lender on this loan. Due to changes in my finances, it was necessary for me to make lower payments, as it was difficult and unaffordable. Fees and other charges were added on to my balance even when we made timely consecutive payments. Ever few months to a year, it seemed like I was being contacted by a different company for the same loan, and the balance was not reducing.
Product: Mortgage

I sought Loss Litigation and was referred to XXXX and talked to a Representative. The Representative told me we needed to schedule a meeting with the mortgage lender. 

Within an hour someone called identifying themselves as being assigned my case and told me he was going to help me through this and after two payments we could begin the process of restructuring rhe current loan and even how it would lower my payments until I could get a medical release and find employment after my employer let me go while I was out on XXXX recovering from an incident that was actually related to work. 

After paying the gentleman {$1800.00}, my roommate said something sounded funny and attempted to speak to the guy who became irrate. Well none of the money wS applied to my loan and it does not appear he still works there or possibly was not their employee. I just don't know how his calls would show the mortgage lenders name and he would have so much information. 

I questioned him several times because up until this year I had never bounced a check in my life, because I was behind I had to make other payment arrangements I feel so stupid and worthless as I am in the process of losing my home and the only reason I fell behind was that while I was recovering from a work related injury, after 8 years of employment they let ne go
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violates the customer financial protection act ( CFPA ). Spedifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic fraud transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience in financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The first time we contacted XXXX in XXXXXXXX XXXX  was in early XX/XX/year>. We wanted to know how much it would cost to buy 2 phones on credit, the manager made an estimate. We refused the offer because it turned out to be too expensive for us. We did not sign any papers, did not transfer any data, we did not buy any products.

We left and forgot this story. 
Then in XXXX we moved to XXXX. 
Let me clarify that we did not use anXXXX XXXX XXXX XXXXXXXX. 
In XX/XX/year>, a letter arrived at the old XXXX address stating that we had a debt. WE were shocked. Where did we get a debt if we did not buy anything. We started to find out what happened. We made a dispute on the website, called the XXXX hotline XXXX We called the hotline twice, the operator told us that XXXX telephone lines were opened in the name of XXXX XXXX, which were used in the fall of 2024, and paid for the connection. It was a shock. Who used the mobile connection under our name? The operator also said that they would send instructions on further steps by email. But this did not happen. 
Then everything repeated itself again, a letter came in our name, we called by phone, the operator promised a letter with instructions, but nothing came. 
We contacted the local T-Mobil office XXXX The manager could not take action with our account because it was closed. 
Everything is repeated for the third time. Again, an unpaid debt came to the old address, although we changed the address to a new one. 
We do not know the next steps, what to do. This looks like fraud and identity theft
Product: Checking or savings account

My husband and I have a joint money market account with Capital One ( for years ) with a balance just under {$20000.00}. It was paying us .30 % interest rate. I was surfing the Internet for a higher rate, and noticed Capital One is offering 1.85 % on money market accounts. I phoned them to find out why they were advertising this high rate and paying us a much lower rate on the same type of account. They gave me a very vague response about how one was 'national ' and one was 'retail ', but nothing on their online advertisement or on my own account indicated any distinction between national or retail. I spoke to three different people who kept transferring me around and providing vague responses to my pointed questions ( I am an attorney ) and one of them said I could open a new account for the higher rate and fund it with the current  account. However, their system kept claiming there was a security issue, and the representative said she texted me a code to use to 'get around the security issue '. However, she refused to resolve this issue, as did the next representative, cutting me off instead. I phoned back several times, same problem and no resolution. Basically, I caught them red-handed and called them on it, and they had no honest response. I think the government should examine this issue as I believe it is consumer fraud. I often have companies phone me to offer me a better rate on my current account, such as credit card companies upgrading me to a better plan, or phone companies offering a better service, so why is Capital One advertising 1.85 % on money market accounts but not paying their customers this rate? There was nothing in their ad about only for new customers either, it was 'this is what we pay '. Please investigate.
Product: Debt collection

PLEASE REMOVE OR DELTE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNT FROM MY CONSUMER REPORT. 

SANTANDER CONSUMER USA ACCORDING TO THE FCRA IT IS A VIOLATION. I AM UNAWARE OF THIS DEBT. I DID NOT HAVE THE OPPORTUNITY TO DISPUTE THIS DEBT. I DID NOT RECEIVE PROPER NOTIFICATION. IF IN FACT YOU BELIEVE I RECEIVE PROPER NOTIFICATION. PLEAE PROVIDE THE CERTIFIED MAIL WITH THE RECEIPT WITH MY WET SIGNATURE ON THERE STATING I RECEIVED IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/16 XX/XX/16 Never gave permission to run my credit. They did it twice.
Product: Payday loan, title loan, or personal loan

I tried to purchase flights from XXXX for airline tickets. I used Affirm to pay part of the {$3400.00} for the tickets, and I had to pay Affirm {$2700.00} at the time of purchase. Immediately when I submitted to pay and confirm the flights within minutes, I received an email from XXXX saying they could not complete my purchase and confirm the airline tickets and any money paid would be immediately refunded. After a few hours and into the next day, the money I paid to Affrim for the tickets still hadn't been refunded to me. I immediately contacted Affrim to let them know about the situation. I provided Affrim with a copy of the email I received from XXXX confirming that we're unable to complete my purchase and a copy of the canceled purchase from XXXX '' website. I was told that the transaction was still processing, and I had to wait until it was processed to receive my refund. It has now been over a month, and I've contacted Affirm about his several times over the last month. Each time I spoke with, I was assured someone was working on it, and within 3-5 business days, I should have a resolution. They stated they needed to contact the merchant, and if the merchant didn't respond by XX/XX/2002, they would move ahead in processing my claim. That never happened, so I followed up # times since, and each time I was told it would escalate to the highest level of dispute, someone would contact me. On XX/XX/XXXX, I received a form/generic email asking me to submit documents I had previously submitted three weeks ago, and it would be another 15 days. That time has come and gone, and now they are telling me they are submitting to the merchant again asked me for the same documents and will sub it to the same dispute resolution departmeent ( which is the highest level again ), essentially restating the entire process Again!! This is 100 % theft and fraud at this point. They are fully aware that I was not provided a product or service in relation to the proposed loan yet have still refused to return my money.
Product: Mortgage

on XX/XX/20 i rec 'd a statement dated XX/XX/20 with a reinstatement fee of {$40000.00} they refuse to give a breakdown of how that fee is calculated i have asked in the past for a explanation of escrow balance late charge balance rec corp adv unapplied funds but they refuse which is a violation of the CFPB i am also asking for a pay off figure
Product: Vehicle loan or lease

On XX/XX/XXXX, I paid my first payment on my XXXX XXXX XXXX to Ally Bank. After making this payment I was instructed to choose the date I would like my monthly payments to come out on, I selected the 4th of every month. The next day on XX/XX/XXXX, a payment of {$340.00} was withdrawn from my bank account by Ally Bank, resulting in my account becoming negative {$270.00}. When I called to request they refund me, I was blamed for choosing the wrong date, and then told that the only thing they can offer is a check within 15 days, and they suggested I call my bank to put a stop payment on the amount. I informed the woman that the payment had already left my account so a stop payment wouldn't work, she assured me I was wrong. She told me to chose which resolution I wanted, the 15 day check or to call my bank. The woman was rude, again told me she was sorry but there was nothing she could do. I informed her that I have other bills that need to be paid, and she again offered me a 15 day check. This is my first experience and it was awful, and now I am behind on other bills because of their carelessness. After calling my bank, I was informed a stop payment couldn't happen due to it being out of my account.
Product: Credit reporting

Experian his not disclosed how it investigated this information however now after my dispute has concurred that the debit is fraud but still refused to deleted it my credit report, the debit is identified as : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

I have been struggling with my student debt since XX/XX/XXXX. In 13 years I was never advised repayment options by XXXX or navient. I was only advised that I could keep asking for forbearance and deferment. I discovered consolidation and income based repayment myself after I filed bankruptcy. Now my debt has doubled since XX/XX/XXXX. I was never advised about the income based repayment and even then this increases my balance by XXXX every mth. I filed BKXXXX XX/XX/XXXX and filed a complaint with Ombudsman that required they remove all payment history form XX/XX/XXXXto XX/XX/XXXX and they refuse. I would like this acct investigated since it opened. They benefitted from my hardships and now I have 3 closed accts that reflect negative on my credit when I have been diligent in rebuilding my credit. When I call Navient they tell me it 'll be resolved and someone dropped the ball.
Product: Credit card

My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, 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  On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost three times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to HIPPA can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX, XXXX XXXX, and others have been getting reports from the XXXX credit bureaus that are incorrect. I HAVE NEVER BANKRUPTCY AND A NUMBER OF ADDRESSES HAVE BEEN DISPUTED WITH EXPERIAN WHOSE DOCUMENTS UPLOAD DOESN'T WORK. I HAVE DEFINITELY BEEN A VICTIM OF IDENTITY THEFT IN MORE WAYS THAN ONE.
Product: Mortgage

Freedom Mortgage Corporation deleted my account around the XXXX XXXX time after assuming a loan managed by them from another service member. I started the assumption process in XX/XX/XXXX before returning from XXXX XXXX XXXX XXXX XXXX I was then homeless for XXXX months as I fought Freedom to comply with XXXX XXXX XXXX and XXXX  XXXX XXXX, which they failed to do. After finally purchasing the house in XX/XX/XXXX, I had access to my accounts until one day in XXXX it was deleted. I called the company to get access back so I may manage both my mortgages through them, one VA assumption and one regular VA loan, however, I am unable to create a new account due to protecting the previous owner of the account ( myself ). 
From reading posts online, the corp has no intention to fix these issues.
Product: Debt collection

I received a letter that I have to pay a dept on PayPal which I actually have no dept I got a dm that my someone complained she sent money to my PayPal there is nothing there but PayPal left a negative
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I called Transunion in regards to hard inquiries that were removed, then reinserted on to my report without receiving any notice ( FCRA Violation ). I was hung up on by the representative ( XXXX  ) after he refused to remove them. The Inquiries in question are as follows : XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX reinsertedXX/XX/XXXX XXXX XXXX XXXX reinserted XX/XX/XXXXXXXX XXXX XXXX XXXX reinserted XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX SELF-REPORTED XXXX Balance Owed : {$5.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$420.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$15.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

filth third has failed to protect my money and my checking account bank keep allowing merchant to come into my account unauthorized bank has failed zip from coming into my account bank has closed XXXX cards and refused to rush me a new debit card, supervisor XXXX was rude, aggressive, not nice, not kind, just nasty for no reason supervisor failed to help me i advised everyone on every dispute that i have filed XXXX  and XXXX  have no reason to keep going into my account. 

i have not given XXXX  my card number at all
Product: Money transfer, virtual currency, or money service

Having submitted 4 complaints against Paypal XXXX, XXXX, XXXX, and XXXX, I am still with no SOLUTION at all, just " nice '' excuses from XXXX XXXX XXXX and other unidentified Paypal staff who are apparently in XXXX. 
I want to close my Paypal account based on my email XXXX XXXX XXXX but Paypal is not honouring my request!! 
On XX/XX/2017, Paypal emailed me a message in XXXX that is difficult to read as has many layout errors ( why not send it in PLAIN text? ). When I login, I am unable to close my account as I am required a verification phone call to a landline number that changed a long time ago. 
Paypal people please CLOSE my account so I can open a new account in order to be able to use my XXXX bank  account.
Product: Credit card or prepaid card

Hello, I currently have a XXXX XXXX credit card through Comenity Bank. I noticed on Thursday, XX/XX/XXXX, when I tried to use my card at a gas station that it was denied when it should have gone through. I checked that night and wasn't able to access my account through their online portal as it said they are undergoing scheduled maintenance. I continued to check each day through today, XX/XX/XXXX, and the site is still down for " scheduled maintenance ''. 

I still can not use my card, and I am unable to see my statements to make a payment that is due next week. In addition to being down for 5 days, when you try to contact the company using the numbers provided on their site, you get an automated message that says due to unforeseen circumstances, their customer service is not available. 

At this point I am getting very concerned about why their site is still down, why they are unable to be contacted, and why my card is not working, as well as how I am supposed to submit a payment to avoid late fees and a missed payment on my credit report. 

I am unsure how to proceed, or who was best to report this to, but I am sure others are in this predicament too.
Product: Credit reporting or other personal consumer reports

Experience, XXXX, and XXXX is the third party company. Which means not only did my bank violate me under the privacy act of 1974 and their terms and condition and which it is that they granted to me at the time of the account opening. The credit agency reported agency did as well.

In accordance with The Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 
Also XXXX XXXX XXXX XXXX violated my privacy right under the privacy act of 1974 by share my information to a non affiliated third party creditor. I have evidence to prove my case. For the F.C.R.A. As a Federally Protected Consumer. I am now opting out of any and all authorizations. I the consumer may have given you. Written, Unwritten, Verbal, Nonverbal, PER 15 USC 6802. 
I told the Experian, XXXX, and XXXX to Reinvestigate these accounts :