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

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : 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 Please remove these. I contacted FTC and local police immediately also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> there was an account opened ; according to my TransUnion credit report. I have contacted both TransUnion and the creditor XXXX XXXX XXXX XXXX  No one has been able to help remove this unauthorized inquiry from my credit report. This inquiry is harming my ability to obtain new credit. Furthermore, I requested and put a security freeze on my credit report, as well as a fraud alert. An XXXX complaint was also made. 

Note : The creditor does not have any of my information on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CCB/XXXX Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX : Dispute XXXX XXXX XXXX XXXX GA, XXXX Dear Sir/Madam, I, XXXX XXXX, residing at XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX hereby issue this formal authorization to Equifax to remove the following inquiries from my credit report : Inquiries : Date : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have recently communicated with a representative from Equifax who has provided guidance on the necessary procedures for such requests. 

I request that immediate action be taken to remove these inquiries from my credit report to ensure its accuracy and integrity. 

Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2024 I initiated a payment of {$2000.00} to a XXXX business credit card. The {$2000.00} payment posted on XXXX to my credit card and XXXX returned payment. I contacted XXXX and they advised Marcus Bank by Goldman Sachs returned the payment. XXXX advised they returned it but it has not showed in my account. I contacted Marcus Goldman Sachs and they advised they are opening a case but theyre not sure why its not showing in my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX XXXX is reporting inaccurate informations, XXXX and XXXX have removed both.
Product: Credit reporting, credit repair services, or other personal consumer reports

After multiple attempts on behalf of myself and a credit company assisting. I have had XXXX luck having the " Foreclosure/Repossession '' removed from my credit report pertaining to my previous home address. 

I had provided full legal closing documents providing proof that I had sold my house, transferred deed to new owners and have a remaining balance of equity provided to me via check after my balance was paid off by the buyer. 

No reason to have that derogatory misinformation showing on my credit report. 

Thank you so much for your time.
Product: Debt collection

I am trying to pay this debt howe ver, Citi/ATT Universal Card is fals ely charging me. I closed the account and pay more than the minimum payment. Call after call to Customer Service is useless ; written communications are not helpful ; I need help in resolving this matter. I made a payment of {$500.00}  XXXX     2017, it  did not clear then and to date it has not cleared my bank ;  XXXX   XXXX ,  2017, I called Citi,  was told payment was not received ;  XXXX   XXXX ,  2017, I stopp ed payment on the check and made a replacement of that check by phon e to Citi in the  amount of {$500.00} ;  XXXX     2017 statem ent shows a charge of {$500.00} ; I called customer service disputing this charge, they are useless and rude ; many attempts to resolve this monthly {$500.00} charge was resolved, so I thought. Please see attachments hereto. I am being charged {$500.00} each mont h by Citi ; I have called and written Citi without succe ss. Maybe you can assist me in resolving this. Thanks
Product: Mortgage

My mortgage was originally With XXXX XXXX, then sold to XXXX, sold to XXXX and then sold to Bsi financial. Bsi financial does not answer their phone, return calls, and they lose documents submitted and Certain departments of BSI do n't even see me as a consumer. I keep submitting that I have insurance on my condo and when I call the insurance department of BSi they say no loan exists in my name. I could be making payments and sending my information to where? Also my interest rate keeps increasing every year. I can not afford this and when I submit paperwork they tell me it 's not valid or expired. I do n't want to lose my home. Today I waited 2.5 hours on hold and then a message came on to leave a voicemail ( I have done so and emailed but never hear a response back ). 
I was also told that my person of contact is a XXXX XXXX, I have called him, left messages, to no avail since XXXX. I can not connect with him. 
Something needs to be done.
Product: Vehicle loan or lease

Car belonged to ex wife. In amount XXXX. The car is a XXXX  XXXX XXXX coupe. I called the company ( USAA ) to remove the loan but nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was hit by a hard inquiry by the bank holding company Capital One for a new line of credit. I was shocked as I have never talked to or done business with anyone or anything related to Capital One. I don't know if someone tried to open a line of credit under my name but I am extremely nervous and worried about any fraudulent activity in my name. I want this hard inquiry off my credit report as it is wrong and I want to be safe from anything relating to identity theft.
Product: Debt collection

i still have XXXX XXXX still on my XXXX credit report and it has been removed from XXXX   but never was removed from my XXXX report it was reported as fraud and i would like it taken off my credit report
Product: Mortgage

In XXXX, the state of Georgia paid the past due balance of my mortgage payments requested by my lender, Specialized Loan Services, in order to bring my account current. The money was paid through a state funded program called the Georgia Mortgage Home Assistance Program. In addition, to the program bringing me current, they also paid my mortgage up for an additional 3 months.This check that was issued and received by my Lender, for my behalf. The additional money allotted by the program pays my mortgage up through XXXX. This is done by the program in order to help home owners stay current so that they are less likely to default in the future. The Program notified me about the additional funds they were giving me and told me to make sure the Lender does not misappropriate the funds. Well that is exactly what Specialized Loan Servicing did, they misappropriated the extra funds. I call it outright stealing. My Lender was very aware that the additional funds were to be applied to my future payments for the next 3 months. My Lender had already received the amount they requested in order to satisfy my past due owed. Therefore this was no error. I called Specialized Loan Services in XXXX  and asked them to properly apply the extra funding that was given to me. They told me they were applying it to my future payments at that moment. As of today, my funding has not be applied to my future payments. Specialized Loan Services has stolen my funds and they are now attempting to default me illegally.
Product: Money transfer, virtual currency, or money service

I bought a XXXX XXXX from google store on XX/XX/2018 for a total of XXXX dollars. I bought the XXXX from my google account where I accidentally had old shipping address. After calling google several times I was able to return the phone to the warehouse directly through XXXX. A month had passed since the phone was returned and received ( I ordered on XX/XX/XXXX, phone got returned on XX/XX/XXXX, I had not received my refund. So, I opened a dispute with my credit card company. But I got an email from google pay to take back the dispute otherwise my account would be locked and they promised they would refund the money. 



So, I took back the dispute, and I got an email from google XXXX  on XX/XX/XXXX saying refund processed. However, I didn't receive money in my bank account. I followed up with a specialist and she confirmed me that money was released on XX/XX/XXXX and I should be getting it in my bank. She asked me to follow up with my bank. I followed up with my bank but they said they hadn't received the refund. I got the same response from google when I followed up on XX/XX/XXXX. 

So, I waited till XX/XX/XXXX, and I still hadn't received the refund. I called google XXXX and talked with an agent for about 45 minutes and he said he would email me with a refund ID so that I can show it to my bank. I waited till XX/XX/XXXX and since I didn't receive any information I sent an email asking for the refund ID, but I got an email saying there is dispute ( which I had already retracted ). 

I finally sent them my last 3 months of statement showing I haven't received any refund from them in my bank. My bank has repeatedly said they haven't received a refund and talk to the merchant. My google pay account also shows refund, but the money is not in my bank account yet. Please help, I have been stressed about this.
Product: Debt collection

Westlake Financial Services does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified both my local police department and the Federal Trade Commission by completing an identity theft report and sent a copy of all my documents to the following credit reporting agencies : XXXX - XXXX XXXX XXXX, XXXX, GA XXXX, XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX and Transunion - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX XXXX 

15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been a number of days since I reported the theft, I have received an acknowledged receipt of my submitted documentation, yet the fraudulent items remain on my credit file. Your company is in violation of this law because I am a victim of identity theft. The items attached in the correspondence need to be deleted immediately.

These accounts should not be furnished on my consumer report as they are in violation! Under 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a Federally protected consumer. No consent is identity theft! As a consumer I am demanding the deletion of the accounts listed in my dispute.
Product: Payday loan, title loan, personal loan, or advance loan

SOLO Funds- platform crashed after update making all information vulnerable - loans are not being debited, credited, or paid back - now I can't log in - SOLO is definitely stealing customers money and one day will be MIA - this company needs to be shut down before a lot of peoples information is either sold or stolen and their money is never to be recovered - customer service is not approachable and answers with generic falsity 's - shut down SOLO!!!!!!
Product: Credit reporting or other personal consumer reports

XXXX is in clear violation of this law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

This account has been sold to another lender which means they don't have OWNERSHIP of this account and is reporting inaccurately on my credit report. 

This account does not exist on my XXXX credit report and needs to be removed from XXXX XXXX EXPERIAN immediately for reporting inaccurately
Product: Credit card or prepaid card

The card Im placing a complain about is a XXXX  prepaid debit card provided by Bank of America edd card Ive been having a constant issue with every single new debit card I receive from provider someone else withdrawals my account before I do and it takes a long frustrating time for me as this is my only form of income theres definitely a problem with this security system which has been reached by individuals which are also aware of. I would like to get a full investigation of every single purchase and atm withdrawal from XX/XX/XXXX to XX/XX/XXXX I believe that with this debit card the only way I the consumer is available to do purchases is by me being present and placing my PIN number when the purchase is done. Not by any other form or way am I supposed to do any purchase not by credit since its not a credit card The account number is XXXX under XXXX XXXX XXXX Also when dispute filed I will receive letters stating that I would be credit by certain day and it never happens Im always supposed to be calling and yet they still have me wait a additional 10 business days not including the days they have already conducted by investigating the dispute which may take 90 days
Product: Student loan

Love Beal and Nixon, a collection company is violating the discharge injunction by trying to collect on a debt that was discharged in bankruptcy. This is Civil Contempt. 

Filed XXXX XXXX  Bankruptcy in XXXX XXXX XXXX XXXX, Discharge Date - Case XXXX. 
XXXX - XXXX XXXX XXXX XXXX Private Student Loan XXXX. 
This loan was direct-to-consumer loan above the cost of attendance and was not a qualified education loan. 
OCU stated that I received refunds from my federal student loans. 
The private student loan was above the cost of attendance not used for education and is not a qualified education loan. 
It was discharged the same as any other common debt, just like credit cards. 
The discharge automatically voids the judgement - XXXX.
Product: Money transfer, virtual currency, or money service

My complaint is with Coinbase. The have held a pending cash out on my Coinbase account for 5 days, typically the transaction is less than 10 seconds. 3 calls to Customer support with all of the same regurgitated answers stating it is an issue with transaction traffic and there is no time frame for resolution. I have since deposited and withdrawn instantly with XXXX issues but this XXXX transaction is still being held in pending status by Coinbase. I want my transaction cancelled or funds released. My case # with Coinbase is XXXX with regard to my complaint. I am feeling like I can not trust my money with them at this point.
Product: Debt collection

I spoke with Credir Adjustments Inc after receiving a debt thats not owed. I asked them to validate the debt and the couldnt. They stated that they got the collection from XXXX. I did in fact call XXXX billing department they looked through my bills and seen that the bill never went into collections and they have no idea to how this company ended up with my information as the bill was paid by my medical insurance.
Product: Student loan

I applied for a student loan refinancing, provided direct access to my bank account, provided a personal bank statement, business bank statement, personal tax forms, business tax forms, and other personal info. I called during my application process to make sure that my individual situation would be okay in being approved for the loan. I got denied for a reason that does not even apply to me " income variability ''. They falsely denied me, did a hard credit inquiry, which they won't even reverse, and lied about the application and approval process. I received terrible customer support after trying to figure out what was going on because they did not even contact me with an email or phone call to go over my documents. I believe this is a scam company that is harvesting very private information with employees who are untruthful, scammy, and rude.
Product: Vehicle loan or lease

Ive called for a few months trying to get help with my car loan. I fell on some hard times and I reached out to PNC for assistance. Every time I called a different representative told me different information. I tried to do a deferment and was denied. I tried a hardship loan and was denied. The hardship would take 50 % off of my current monthly payment for 3 months which would have been doable for me at the time and I was denied. I tried to refinance and was denied. I was trying to avoid repossession because I have multiple doctors appointments and my daughter takes me to all of them. Without a car its almost impossible. In XXXX I applied for the hardship loan and a representative told me that I was approved for the loan and I was relieved. Come to find out the representative told me false information and I was not approved. I had made an arrangement to make payment and I had the money, when she told me I was approved I was so ecstatic and I told her I was still going to make the payment. She told me not to make the payment because I was approved for the hardship. She told me in 7 days I would receive a letter stating the payment dates. I double checked and asked her was she sure because I was denied recently and she reassured me that I was approved and not to worry. Seven days went by and then PNC called me and told me I had to make a payment. I then mentioned to them what the representative told me and they said that is not true. I was so upset because you guys use the same system so how am I approved one minute and not the next. The representative then said that the other representative shouldnt have told me that because it wasnt true. So then an investigation was started and the manager from consumer finance called me and said that there was nothing that they could do and that the representative that told me that will undergo more training and that was it. I still couldnt get help from a bank Ive been with for 3 plus years so after all of that they came and repossessed my car so now Im without a car after multiple attempts of reconciliation and none was offered to me.
Product: Credit card

I tried several times to pay my CapitalOne Credit Card on the XX/XX/year> before XXXX XXXX. ( XXXX ) and was unable to submit the payment until after XXXXXXXX XXXX. ( XXXX ) where I was charged a {$40.00} Late Fee which is a ABSOLUTELY AGREGOUS OVERCHARGE! 
When I contacted CapitalOne Customer Service, I was told that they are not adhering and are currently appealing the Federal Government 's Mandate for {$8.00} Maximum Credit Card Late Fee.
Product: Vehicle loan or lease

I have a car payment due on the XXXX of each month. Due to financial hadships last 1-2 years, my payment are typically 2-5 weeks late. This company tells me, that of my XXXX monthly payment, for every day im Late {$5.00} of my payment goes to Interest and not the principle. Also, I just made a payment of XXXX on XX/XX/XXXX, which took care of my XX/XX/XXXX payment. When I made the payment, they asked me again when I could take care of XX/XX/XXXX payment ( which was 13 days late ) I know told them, I could make the paymet on XX/XX/XXXX ( not the next payday, but two weeks after ) they said ok. This was just Friday XX/XX/XXXX, and they have called several times since. I just s/w a rep who didnt indicate her company, i had to ask who she was with. She then stated " can you make a payment today, i see you just made one friday, i see u have it done to pay XX/XX/XXXX '' I  told her, yes, i just made a payment XX/XX/XXXX for XX/XX/XXXX, and i told them i would pay XX/XX/XXXX payment on XX/XX/XXXX. The rep stated " well we need a plan set up '' the PLAN was set up on XX/XX/XXXX when i told her i would pay XX/XX/XXXX. As long as the payment is made before the XX/XX/XXXX of the next months, they can not take the call. She confirmed this, so me setting up the XX/XX/XXXX should be fine, but she kept stating " you need to set  something up '' I have made payments the past XXXX months like this, never had a rep call and even though they have a documented payment coming up, never had a rep call and demand a payment before that. This company is horrible. Consumer Portfolio Service Inc. is there name.
Product: Student loan

When ever the loan provider was issued a social security number and a signature the loans should have been discharged through the Treasury ... This process was created by an act of Congress in XXXX. XXXX XXXX XXXX ( XXXX stat. XXXX ) was designated to discharge all obligations dollar for dollar. The loan provider is unaware ( due to the lack of knowledge ) of such passage of the Banking and Banking Regulations XXXX XXXX XXXX XXXX XXXX. Where all obligation are to be discharged dollar for dollar. The loan provider is unaware ( as are most Americans ) that the United States dollar no longer exists. What we think is money is actually not money but a promise to pay at a later date. XXXX XXXX XXXX ) These notes appear to resemble the United States Notes by the similarities of appearances. The only difference with these notes they are titled XXXX. If XXXX pays attention to the fine print on the XXXX it will say " This Note is Legal Tender for All Debt public and private ''. So in order for XXXX to repay any loan would be illegal since a debt can not be repaid with another debt. Thus, why Social Security was Instituted in XXXX called the XXXX. The United States had to create an unlimited credit line for the people due to the existing economic crisis. Those unlimited accounts are our Social Security numbers.