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

XXXX has reported invalid information to my credit report. I have contacted them that they reopened a close account last year in XXXX and reported more than XXXX payments late. The XXXX account has been closed since XXXX because my motorcycle was repossessed. I have disputed it many times with XXXX XXXX  and finally they closed the account XX/XX/XXXX and the very next day they opened the account again. That the account is verified as open. This is inaccurate and have contacted XXXX as they told me they wont close the account now until I make a payment arrangement with them and that they will delete all those late payments inaccurately reported to my transunion  report only if I start making payments. XXXX has been closed on my account for 6 years and should be no reason why that account was reopened. It still shows as closed on my other credit reports. Not only that.. when I spoke to them my balance is not correct either showing I owe more than what I was told. I dont think its right that they reopened a close account and they should not be able to report late payments to anything when I never agreed to anything.
Product: Payday loan, title loan, or personal loan

In XXXX, I had taken out a loan with XXXX XXXX 's, although the interest rate was a bit high the payments were around {$50.00} and were very manageable. A life event came up and I needed more funds so they presented me with an offer to refinance since I was already near payoff, I went ahead and jumped on the offer and took out another loan. Once more after the 2nd time I needed to borrow additional funds - by this time my loan was paid off so I decided to reach back out to XXXX for a loan however, the name had changed to Uprova  but I figured it would be another affordable loan. I called Uprova over the phone while driving to see about getting another loan and was approved - I agreed to receiving the loan because I thought it would be affordable with a manageable loan payment ( like with XXXX ) but I was completely wrong! Instead, my interest rate is XXXX XXXX!!! I borrowed {$1300.00} and by the time I finish paying them back I will end up paying {$3900.00}. After realizing this I called the company ( in XX/XX/XXXX ) but they stated there was nothing they could do. Since it is the holidays I reached out to them today ( XX/XX/XXXX ) and they stated they could change the number payments i have remaining from 5 to 4 and reduce my payment from {$210.00} to {$180.00} ... not much help at all but I will take what I can get. I am so upset that a company would take advantage of an individual knowing I was on the road and unable to read or review what I was signing up for. I would like to be credited back the money they have taken from me. I know loans have interest but 400 % is ridiculous. I continue paying this because I don't want my credit to be impacted but this company is clearly taking advantage of consumers. I'm reaching out to the CFPB for help with this matter...
Product: Credit card or prepaid card

the balance showing on the following credit cards are months out of date and incorrect because the balance has been paid in full Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I am a member of Costco Wholesale. On XXXX XXXX, I received a credit card from Citibank because Costco is no longer teaming with XXXX XXXX. I contacted Citibank, Costco, and XXXX XXXX. Because XXXX XXXX, as authorized by Costco, sold their entire portfolio to Citibank, XXXX XXXX refused to cancel my account before the final transfer date of XXXX XXXX. When I contacted Citibank, I was told that they would not cancel my account because they purchased the portfolio through Costco. Costco 's General Manager informed me that I had to work directly through the credit card companies. How is this legal? I do not want to give XXXX XXXX or Citibank my business.
Product: Vehicle loan or lease

I called Capital One in XXXX because of a improperly allocated {$450.00} payment.

When I called and talked to the agent he told me he was going to re allocate the payment properly to bring my account current.

I got an email saying my account was nearing 30 days past due so I called back in, and asked them to pull the call and see that I was promised re allocation and they didn't deliver that.

After that I was told that they actually can't even allocate that payment and was never told.

So we got to a manager who than designed my payment plan to fall into COVID-19 relief and get moved to the end of the loan with a grace  period until XXXX or XXXX. 

Fast forward to XX/XX/XXXX that didn't happen as I got another note saying my account was now 17 days past due. So when I called in again explaining I was promised something that they didn't deliver because the improperly trained staff and I didn't understand why I was being held accountable for their misinformation. 

Than they hung up on me and I wasn't even being rude, I called back and now they moved another payment but still haven't addressed or fixed their breach of contract. 

Capital One is breaking contract by promising things they aren't delivering and I don't know what I can do at this point.
Product: Vehicle loan or lease

In XXXX of XXXX, my mother and I went to XXXX XXXX XXXX looking for a used car. I just turned XXXX and this was my first vehicle loan. The car already had pre-existing damage on the right front bumper/headlight area which was not noticed at the time of purchase. The reason for my complaint is that I was over charged for the car and the interest is excessive. The XXXX XXXX XXXX for the car today is around $ XXXX {$6200.00}, which means 9 months ago the book value on the XXXX XXXX XXXX XXXX was only around {$9000.00} to XXXX or less, but I was charged {$15000.00}. There was also a NA charge of {$2400.00} undocumented. I do not know what that was for. My complaint is that I have made 9 payments of {$530.00} which totaled {$4800.00} but my payoff amount is {$17000.00}. Very few of my money from my payments are being applied to my loan, so a majority is going to interest which is Total paid of {$18000.00} - XXXX = XXXX but again the payoff is {$17000.00} so {$3900.00} went to interest. I would like my loan cancelled so that I can purchase another vehicle with a more favorable interest rate. I feel as though I was definitely taken advantage of being a first time car buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX  this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX {$3400.00}
Product: Student loan

Bass & Associates, P.C. ( Bass ), sent me a a settlement letter dated XX/XX/XXXX for my defaulted student loan account with the U.S. Department of Education, Federal Student Aid. On page 1, Bass stated, " This notice confirms our offer to accept {$4400.00} as full settlement and satisfaction of your obligation on this debt. '' Page 2 at the end of this Bass letter ( XX/XX/XXXX ) states, " Loans included in this agreement : Nos. XXXX, XXXX, XXXX, XXXX & XXXX. This comprises the five loans, not the two they portend was agreed. Again, it's on their letter, and thus, the understanding was the five loans as full settlement for the total of {$4400.00}. In addition to this letter, phone conversations took place between Bass & my grandmother, XXXX XXXX, affirming the agreement. A cashier 's check in the amount of {$4400.00} was received by USDOE prior to XX/XX/XXXX deadline. 

The five above-referenced FDSLs : XX/XX/XXXX-two with XXXX XXXX   XXXX ; XXXX-three with XXXX  XXXX XXXX and XXXX XXXX. 

Now, Bass is saying they meant to only include 2 of the five loans but the settlement agreement is stated in the XXXX XXXX, XXXX letter for 5 loans, and my grandparents and I adhered to the agreement. XXXX should be responsible for their actions in their arrangement with USDOE. Our agreement should be enforced.
Product: Bank account or service

I called Telecheck on Friday XX/XX/XXXX & spoke to XXXX. I explained that we had unplugged our XXXX machine at the close of business on XX/XX/XXXX. At that point we stopped processing check payments electronically the equipment had been returned & our lease had been cancelled & settled. 
I was advised to notify them by fax that I was cancelling our service. The statement I had received indicated that it covered the XX/XX/XXXX through the XX/XX/XXXX billing period. It showed that they intended to withdraw {$10.00} from my bank account on XX/XX/XXXX. Since their services were not utilized in this time frame, I respectfully requested that they cancel this transaction. They did not cancel the transaction and the charge went through for the XX/XX/XXXX cycle although their sevices were not used in XX/XX/XXXX. 
I then received an invoice for the period of XX/XX/XXXX-XX/XX/XXXX. I immediately called and spoke to XXXX. She explained that our cancellation, although submitted and received on XX/XX/XXXX, was not affective for thirty days from submission. She advised that our cancellation order was not applicable until XX/XX/XXXX. I explained to her that their services were not utilized during XX/XX/XXXX and that this is an unethical business practice. I advised that I would be reporting this practice to the Consumer Financial Protection Bureau for their investigation. I then contacted our bank and stopped the withdrawal for payment of this invoice. 
I have now received another invoice for XX/XX/XXXX-XX/XX/XXXX including additional fees. I have mailed a letter to Telecheck advising of what has transpired and that this invoice will not be paid. I have attached copies of the relevant correspondence.
Product: Mortgage

My mortgage went delinquent for a short period of time because I temporarily lost my job. However, once I got a new employment, I sent a check to my Lender in order to have become current again but the Lender rejected my check.

I then applied for my first loan modification which was way back in 2008. Since that time. I have been played by that Lender. I took 11 years for the Lender to deny me that loan modification that I am well qualified to receive as per the Federal guidelines.
Product: Bank account or service

I have a Chase savings account which has not been active for a while. Chase sent me a letter on XXXX/XXXX/2016 to inform me that they will put safeguard measures on the account in 2 month. When I called the XXXX number on the letter on XXXX/XXXX/2016, the online rep told me the account does not show on his desktop 's pull-down manual. If I want to do anything to the account I need to go to a branch. I opened the account when I was living in XXXX, but I have moved to XXXX, as reflected on their record. I can not make a trip immediately. Chase 's notification is misleading.
Product: Credit reporting or other personal consumer reports

Can you XXXX how frustrating it is to work hard and manage your finances responsibly, only to check your credit report and find errors everywhere? These inaccuracies have not only damaged my XXXX XXXX but have also had a serious impact on my life. My credit is essential, especially during emergencies, and every paycheck is already stretched thin. This situation is beyond stressful, and I need immediate action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  IS REPORTING {$1600.00} A INCORRECT ACOUNT ON MY CREDIT REPORTS. THE ACCOUNT IS NOT MINES ME AND MY FATHER HAVE NAME.
Product: Credit card or prepaid card

I phoned TJX Mastercard in XX/XX/2020, due to an expected unemployment in the household, which caused a financial hardship to postpone payments. I checked my bank account in XX/XX/2020, and the credit card company withdrew the funds from my account. The credit card company did not honor the deferral of payments. So, on XX/XX/2020, TJX Mastercard informed me they would defer the payment for three months ( XXXX, XXXX, and XX/XX/2020 ) for my inconvenience. On XX/XX/2020, around XXXX I received an email stating my payment was missed for the month of XX/XX/2020 and I was late being charged a late fee. 

My complaint is they didn't honor their word of the deferral of ninety days with no payments, in addition I was charged a late fee. When I asked if they would honor skipping this months payment I was told " Sorry there are no more deferrals. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning, I have been a victim of identity theft. A XXXX  XXXX XXXX account was created using my information. I contacted XXXX and they resolved this issue. I was told my social security number was used to create the account, which forced me to do a deep dive into my credit report. I requested an investigation with the credit bureau because XXXX  XXXX was my original student loan, that was combined and transferred to another agency. All three credit bureau 's are reporting inconsistent credit limits, high credit, and dates of last payment. I believe the credit bureau failed to properly update and validate my debt after an investigation. All three credit bureau 's are reporting different information. It is unfair that there are so many inconsistencies on my report.
Product: Money transfer, virtual currency, or money service

I am filing a complain against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, 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 an deceptive, as they -did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/XXXX LVNV Funding, LLC filed a civil action against me for an alleged credit card debt. On XX/XX/XXXX the case was dismissed without prejudice by the courts, which required LVNV to enter disputed information on my credit report regarding the civil case. I reviewed my credit file each month from XX/XX/XXXX through XX/XX/XXXX and they did not update my file so I filed a complaint with the credit agency to have the debt removed for violating my rights of fair credit reporting. I filed a complaint in XXXX and in XXXX but the credit agency did not remove the reporting so I decided to file a higher complaint against them. Because of this LVNV reporting on my credit report I was denied a student loan for my son even through an appeal. 

LVNV and XXXX have both denied me my right to have accurate information on my credit file and caused harmful information that was reviewed by a creditor resulting in denial of much needed funds for my child 's education. 

I have attached a copy of the civil court decision as well as the pages from my annual credit report dated XX/XX/XXXX indicating no disputed notations from LVNV.
Product: Debt collection

Around XX/XX/XXXX I asked for verification for Senex Services reporting on my credit. First of all it took more than 30 days for the credit bureaus to even respond to me. When I contacted them they told me that they verified the information with Senex services and that they were within the law to report what they had on my credit bureau. Well Senex Services sends me a letter that is in violation of my XXXX rights and its illegal for the credit bureaus to even be reporting Senex Services on my file.If in fact the attached is what was sent to ALL 3 credit bereaus..XXXX, XXXX andcXXXX. I demand that Senex Services removes this from all three credit bureaus immediately.my medical information was NOT TO BE shared with a 3rd party nor these 3 credit bureaus.
Product: Credit reporting, credit repair services, 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 XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name XX/XX/XXXX # XXXX has 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 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

I am writing to dispute an unauthorized inquiry on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry on my credit report. I have no record of initiating any business or financial transaction with the said creditors that would warrant such an inquiry.
Product: Consumer Loan

Letters have been sent asking for them to prove this is my account and all my letters have gone unanswered. They have violated the FCRA for not providing the information in a reasonable time frame
Product: Credit card

Complaint Against Discover & XXXX Failed Balance Transfer I initiated a balance transfer from my Discover account to my XXXX account over XXXX months ago, but the funds never reached XXXX. Despite my repeated calls to both banks, I am constantly transferred between departments, placed on hold, or disconnected. Neither institution has resolved the issue, and I am being charged interest as a result. 

Relevant Case Numbers : XXXX Missing Payment Complaint Number : XXXX Discover Dispute Number : XXXX Actions Ive Taken : I have called both XXXX and Discover XXXX, yet no resolution has been provided. 
Each bank keeps blaming the other without offering a clear explanation of where the funds are. 
I am now incurring additional interest due to their negligence. 

Requested Resolution : Immediately locate and complete the balance transfer. 
Provide a full explanation of where the funds are. 
Reverse any interest charges or penalties caused by this delay. 
Hold the responsible parties accountable for mishandling this transaction. 

This delay appears to be a deliberate attempt to profit from interest charges at my expense, which raises serious concerns about unfair and deceptive financial practices. I request CFPB intervention to resolve this matter as soon as possible.
Product: Mortgage

Shellpoint keeps playing games and has not shown where they applied XXXX partial payments I made to my mortgage last year. 
These amount were XXXX each. 
They received XXXX funds and applied full amounts from XXXX XXXX XXXX of the partial payments. 
When I have asked them to rectify this they claim they took the XXXX partial payment and added them to the XXXX total and then paid out other months. No proof and nothing reflects this. 
XXXX shellpoint agree with state of maryland ot bring loan current. 
They received funds XX/XX/2023 and then attempted to still bill me fully for that month which is not what they agree to state of maryland. 
so there is XXXX give or take that they need to credit me. 
Addtionally they PROMISED the state of maryland XXXX  dept that they would not raise my interest rate and would work on lowering monthly payments. instead they drastically raised my rate a huge amount.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I made a transaction on cash app for XXXX to a wrong recipient. I contacted the cash app immediately and followed all directions to receive my money back to no avail. Hence then my money continues to sit in a pending status even after I contacted the customer service and support service several times pertaining this transaction. They still refuse to provide me with an effective solution outside of me contacting the recipient in which I have no way of doing. Im on social security and I believe that they are taking advantage of me and will not give me any recourse to receive my funds back. I really need help with this because I am on a fixed income and can not afford to lose XXXX dollars for a mistake that caused me hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the courthouse asking them if they report bankruptcy to the bureaus, they responded with a letter saying they do not report to any reporting agency. If thats the case how was this account verified? This further explains that there was not a fair investigation but ion according to USC 15 181 sec 603 E states. The term investigative consumer report and portion thereof. .. are obtained through personal interviews 15usc 1681 section 602 states that I have rights to privacy 15 USC 1681 604 a section 2
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account with XXXX since XX/XX/2022. I had an open account with them and paid my balance in Full in XXXX of XXXX. A few days later XXXX closed the account and then marked the account as a charge off and submitted it to a collection agency along with the payment I made. XXXX marked my account as a charge off with XXXX, XXXX and Equifax. I have submitted letters and proof of the receipt to all XXXX bureaus and XXXX showing that the status was false. 

XXXX has now marked the account as a charge off as of XX/XX/2022 after I made a complaint to the XXXX. I feel they are purposely reporting false information causing my credit score to decline. 

The credit Bureaus are also not providing documentation of their investigation. I have requested an investigation from XXXX, Equifax and XXXX. None of the companies named have provided a detailed report of the investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX  NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX
Product: Credit card or prepaid card

I contacted customer service in regards to a settlement offer I received on my Milestone Card, they received a payment on XX/XX/XXXX for the settlement amount of {$350.00} but have not closed this account out and are not trying to get a payment from me for the next month.