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

Ive had your company keeping faulty and incorrect accounts on my credit report for a very long time and despite my prior letters to you including the one sent to you the prior month, you have failed to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Bank desist has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, equifax, and XXXX  all have reports of collection accounts my son took out and has it under my name as we share the same name. These are not my accounts and were taken out fraudelently
Product: Debt collection

Bank does not return my debit card which was issued once I lost card they don't return address - wells fergo bank near by our resident there is no way to prove only by the date cheke camera with banker
Product: Mortgage

We mediated with Select Portfolio Servicing , Inc. in XXXX XXXX to allow us an opportunity to sell the property through a short sale prior to foreclosing. On XXXX XXXX, XXXX we received an offer of {$50000.00} cash. SPS had a broker price opinion done and said the property was valued at {$64000.00}. We disagreed with this price and they suggested we go out and pay for a third party certified appraisal. We did and that appraisal came back at {$52000.00} on XXXX XXXX, XXXX. SPS then told us we needed to update the contract with the new price, get a new proof of funds and produce a new HUD statement. All of which we did. They denied the new offer stating it was still too low in mid XXXX. In XXXX, the Realtor got the same buyer to go up to {$57000.00}, {$5000.00} above an appraised value of {$52000.00}. SPS requested that we get an updated proof of funds and a new HUD statement, which we did. SPS sent out for another Broker price opinion. After we went through this appraisal process for the third time, SPS sent me a letter stating that two and a half weeks would not be enough time to consider this new offer. I contacted SPS multiple times asking them to postpone the sale for 30 days to give us time to complete the short sale and they have refused. I truly feel that SPS purposely strung us along making us think we had a chance at a short sale, making us jump through many hoops with no intention of allowing for a short sale.
Product: Credit card or prepaid card

This is not a problem for me personally, but XXXX XXXX XXXX Credit Card recently announced the roll-our of an incentive program called XXXX XXXX  to allow people to round up their purchases to earn miles. Clearly, looking at the math, this is not a great deal which seems to try to target consumers and encourage them to believe that they will get something of tangible value while incurring additional debt ( ie, exchanging real money for fake money ) in way that could add up substantially over the course of a year without giving them anything of real value in exchange. See the link below XXXX XXXX XXXX This is something you should consider regulating and forcing the company to provide an honest disclosure of the value of these miles. As airlines often arbitrarily decide that miles will be revalued or re-price flights in miles ( which can expire ) - how does a consumer really know what the actual value of what they are purchasing is? And, if they rounded up their purchases, shouldnt they be entitled to know how fast that can accrue. It seems like a pretty deceptive practice which should be discouraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681i Experian, XXXX XXXX XXXX XXXX shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and RECORD the Current Status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

The credit bureaus mentioned above have absolutely Violated my rights numerous times. I have attached my disputes for each credit bureau, my identification information and the certified receipts for when I sent my disputes to each credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, This matter is with Bank of America. I had a line of credit with them and each month I make a {$100.00} payment. In XXXX I made monthly payments as usual. Then I received a late notice ( I can not remember the exact date, but it was the later half of the year ). I called BofA and found out my payments were going to an Unapplied Account, but they do see the payments and said they will move the funds over to my account. At that time, I did tell them that this had happened to me a few years back also ... my payments were being applied elsewhere, and then I would get a late notice, I had to call to get them to reapply it to my account... 
Then, a few months later in XXXX, it happened again, this time when I called, the Rep said the same thing again, that they see the payment but it's in the unapplied funds account. The difference this time was she told me that the loan had matured and I had to pay it off. So I said ok, and I paid it off. 
Fast forward to XXXX, I'm in the process of refinancing my home, and that was when I found out that BofA reported me 4-5 months paying late. I tried calling BofA multiple times. First time they said their reporting is accurate, I tried disputing it but got no response. Third try got no response either. But the Rep told me she will send me the payment history on file and I can file a report with the Credit Bureaus. When I got that statement I sent it to my lender. He told me the statement was hard and confusing to read, which I do agree. But that goes to show that BofA was messy applying my payments. So I printed out my payment history from my bank also, which clearly shows I made my payments each month, and made a payoff amount of {$4000.00} in XXXX. 
So my lender suggested I also file a dispute with the 3 credit bureaus. He wrote the cover letter for me and told me to mail it with my payment history. So I Certified Mail them on XX/XX/XXXX. I received the Dispute Result letter yesterday XX/XX/XXXX. The results says the " Outcome Remains '' I feel that XXXX also failed me. I sent in my payment history as proof that I was never late, and they didn't even take that into consideration. 
I would like to file this complaint on both Bank of America and XXXX. Bank of America for reporting inaccurate information and not correcting the issue, and XXXX for not doing their due diligence on my behalf. 
I can send you the payment history statement that BofA sent me and also my payment history that I printed out from my bank for you to review. 
Thank you for your time and I hope you can resolve this issue for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my XXXX XXXX account on XX/XX/2020 and had an inquiry from SYNCB National credit cards/ Airlines . I called synchrony bank and they were of no help and very rude. I want to file a complaint with synchrony bank, XXXX XXXX and XXXX, especially synchrony please.
Product: Checking or savings account

Chase Card Services XXXX XXXX XXXX XXXX XXXX, DE XXXX Re : Chase debit card charge Acct # XXXX XXXX XXXX XXXX Creditor : XXXX  XXXX XXXX GA Date : XX/XX/2021 Amount : {$100.00} & {$470.00} [ Total charge : {$580.00} ] Reason for reversing charges : Order was placed on XX/XX/2021 & the merchandise was never delivered. 
The Shipping company was contacted, and still there was no delivery made.
Product: Payday loan, title loan, or personal loan

I got a loan with Loantopia in XX/XX/XXXX and the terms was that I pay them off for 2 years at an extremely high interest rate. However it was made clear to me that if I paid off my loan earlier that I would not have to worry about the additional incurred interest.

So in XX/XX/XXXX/XX/XX/XXXX I had the money available to pay them in full. So I tried more than 10 times in the course of 2-3 months to try to make full payment. But every time I called the number listed on their website, on XXXX, in their emails, or anywhere else it would go to a terrible call center and the person would tell me that they would call me back, then hang up on me. I dealt with this for 2-3 months and never got a phone call back.

I even tried logging in online on their portal system which they say will allow me to login and make a loan payment. However their online portal is broken and does not work, every time I try to login it gave me an error message. I ended up calling the company who manages the payment portal software and they told me they are no supporting loantopia anymore, which means that I couldn't pay online even if I wanted to because it is broken. 

I tried calling loantopia a few more times to pay off my loan in full. But the same thing kept happening, they said they would call me back and never got anything.

Because loantopia was in void of their own contract, by not allowing me or giving me any viable way of making a payment in full. I took matters into my own hands and closed my bank account and got a new one. So they are no longer able to take ACH transfers from my account. I also went ahead and filed a dispute on all the ACH payments that came out of my account since XX/XX/XXXX as they were fraudulent and should not have came out in the first place, as I was would have made payment in full if they provided me the means to do so. 

Also on my credit report it shows the loantopia loan with a balance of {$0.00} and marked at " paid ''. So they werent even reporting this correctly. However, now their collections department is contacting me telling me they are going to send me to collections and they added additional fees to the total amount due. Saying I owe them more than {$3000.00} when technically it should be much less because I'm paying it off in full. 

I am not going to make any more payments to this company because they are in default of their contract. In the email from their legal department it also says to call the legal department, but it gives me the same number that is on their website. So when I called to try to talk to the legal department, they once again told me that someone would call me back and then hung up. After 2 more tries I FINALLY got through to the legal department and the lady I spoke with was upset that I was being aggressive on the phone. 

She did not understand my frustration and told me I would need to call back and speak to someone else because she didn't want to deal with me. She also said that I was calling the " wrong '' number but even in the email from their legal department it tells me to call XXXX.
Product: Checking or savings account

Original Charge XX/XX/XXXX XXXX tickets {$740.00} Tickets were supposed to be XXXX championship Tickets we were purchasing. But when after hitting Pay key we double-checked the verification screen and realized we had paid for a venue of XX/XX/XXXX 23 days passed! We pulled up the shopping cart and tried to cancel. It would not cancel. 

I called the merchant XXXX but could not get through to them. I then called Capital one bank and tried to block the purchase. The Capital one representative told me it was not on the computer yet so he couldn't block it. I asked him to flag it to be blocked. He said he could not do that either. The next day I traveled to the bank personally and asked the customer rep to cancel the charge. He said he could not because it wasn't on the computer yet. 

Confirmation came 2 weeks later for the proper game at the proper venue but I had already blocked the charge and canceled the transaction, and asked for an investigation TWICE. Second investigation XX/XX/XXXX after the second so-called investigation I asked to see the paperwork they used to investigate. The ( CAPITAL ONE BANK } sent the paperwork to me showing that they investigated an EXAMPLE not the actual computer page time-stamped, I had paid. This FRUAD was accepted by Capital one bank as prove. It was not the form I paid.XXXX They sent them 14 papers, page one second from bottom line an EXAMPLE of someone's paid receipt NOT MINE! They XXXX probably destroyed the original. I spoke to XXXX face to face at the Capital Branch Branch bank in XXXX, LA also XXXX the manager. Both did what they could and filed again. I was told after calling to check, The investigators had not and would not speak to me. They did their investigation and I had no other recourse and that it did not matter what the Branch people said. ( XXXX XXXX would not give his last name. 

I then emailed the Bank CEO Mr. XXXX XXXX and explained to him how I thought his people had been snowballed by 14 pages of ( EXAMPLE ) and not an actual copy of what I had paid for. And making {$1400.00} per month had caused hardship by his bank Their improper investigation and procedure for stopping payment. NATURALLY, I did not even get an acknowledgment of my email by MR. XXXX, I guess the little guy really does not matter. 
I want my {$740.00} and I feel it was stolen from me by the Ticket Company and the incompetence of the Capital One investigators. XXXX XXXX XXXX. 
Account Number XXXX. Claim Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these lates need to be removed. It is a violation of the Fair Credit Reporting Act to no report accurate information on a credit report. I have contacted XXXX and the bureaus to remove these lates however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX have been not only apart of data breaches but also the one from XXXX!! I have multiple items and addresses and inquiries that are on my FICO reports that are not mine. I do not and have NEVER given these companies my consent for anything. I filed as instructed by Federal Law under XXXX to block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Instead XXXX said they no longer follow this procedure?? They DO NOT make the Rules and who are they to go back to the very accounts that were apart of Aggravated ID theft and verify through electronic buttons?? THIS IS NOT THE LAW AND I NEED YOUR HELP TO ENFORCE THIS CRIMINAL ACT. They had 4 days to block, and send a letter, they DID NOT DO THIS. The accounts are hurting me financially and they are committing conspiracy now. ALL three are Criminals and not protecting the XXXX XXXX are Violating the XXXX and other codes with intent to harm me
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a letter from synchrony saying they need more info. I never filled out for XXXX XXXX. This is fraud!
Product: Consumer Loan

My XXXX XXXX XXXX is under lease with Ford Motor Credit Company ( FMCC ). The lease ended in XXXX XXXX, but I have been working on buying out the lease. FMCC has been calling me and leaving messages for an account resolution. This I get and understand because they 're trying to protect their property. 

I 've not answered FMCC 's calls or communicated with them because I was laid off from my employer in XXXX XXXX. I 've been in an extremely active job search, but I have n't received any offers yet from interviews. It 'd been my hope that I 'd secure a job prior to performing a lease buyout on the vehicle. 

My complaint is this : On XXXX/XXXX/XXXX FMCC contacted my sister and brother attempting to skip trace my information. This is perfectly within the company 's right to do so. My sister and brother both verified the information FMCC had on file was correct. What is outside of FMCC 's legal right to do so was to : 1 ) Advise my sister and brother my lease was past term. 
2 ) Advise that FMCC would take legal action. 

FMCC has no legal right to discuss, release or make known my private financial matters ... even to my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that this account was erroneous. Experian and XXXX are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$60.00}
Product: Credit card

I have a William-Sanoma Signiture Visa, it has been paid off for a few month and chose to use it at XXXX on the XXXX XXXX XXXX on XXXX and the decline a XXXX and change transaction. I called find out why and the rep could really figure it out,. I told then I did not need the card and he put me on hold for XXXX minutes and XXXX seconds. That is abusive and i believe they did it on purpose so I would hang up and not bother closing my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, US DEPT ED account # XXXX, DEPTEDXXXX account # XXXX, XXXX XXXX account # XXXX, has all 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently had a hack that puts me and millions of others at risk of identity theft. According to their equifaxsecurity2017.com website, I am listed as a potential victim. I would like a resolution to this problem. Attached is the page I see after putting in my last name and last 6 digits of my SSN on their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spent over a year trying to get all three credit reporting agencies to correct incorrect negative reporting of XXXX XXXX XXXX XXXX. They are reporting XXXX XXXX, as delinquent. I had requested an extension for that month, due to an extreme medical emergency. I have talked by phone to several different agents who were extremely rude and were not sympathetic to my concern of my wife 's mental breakdown and the financial burden caused by it. I have been told by one agent several months ago that she had deleted and it would reported to all three credit reporting agencies, however it was not. Others said I would need to talk to another department, only to be disconnected. I explained that I had, had two auto loans with them and only had only one late payment reported and it was not correct. I have asked for a goodwill deletion by phone and letter as this was hurting my XXXX XXXX. They have no sympathy for a loyal customer. I am XXXX and my wife is XXXX, and I need a better XXXX XXXX to admit my wife, who has XXXX XXXX XXXX, to a assisted living facility. I need help if at all possible. It is on all three XXXX XXXX, XXXX XXXX XXXX. The account number is XXXX. Comments on the internet are that Capital One is the worse companies to deal with to make corrections or help their customers. Please help me if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX of XXXX XXXX XXXX XXXX ) my purse was stolen and my personal information was compromised. Someone made inquiries to several places attempting to open accounts in my name. I asked the credit reporting agencies to remove these inquiries because I never made such credit request however they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I called to see about a payment deferral for one month. The customer service representative ( who seemed new ) said they could do the deferral and all I would have to do is electronically sign an agreement and it would be done. They emailed me the agreement which I signed and thought it was accomplished. In XXXX I found out my Credit Score dropped significantly and found out it was because KIA Finance reported I missed a payment. I have had a perfect payment history with KIA for 71 months. ( Contract recently paid off ) I tried calling KIA Finance but was always disconnected. Wrote a letter explaining dispute. They sent a form letter saying it was investigated and found no resolution. I filed disputes with all Credit Bureaus with no remedy. Finally had an attorney send a certified letter requesting an investigation and simple remedy of honoring the deferral and correcting credit reporting with no response after a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my experian credit report there are XXXX accounts with XXXX XXXX under XXXX different agencies. XXXX agency is XXXX XXXX with XXXX XXXX for XXXX and the second creditor XXXX XXXX for XXXX. These XXXX creditors are reporting the same account with XXXX XXXX. According to my credit report it was supposed to have been removed on XXXX XXXX. Now it 's reported on my experian report twice. It 's also on my XXXX report under XXXX XXXX for XXXX and XXXX report under XXXX XXXX for XXXX. This account was supposed to had been removed and now keeps appearing.
Product: Debt collection

Revcived letter dated XX/XX/2018 stating I owed over $ XXXXCalled right away and disputed alleged debt but had trouble talking to agent. So I said will send letter disputing alleged debt. Tracking # XXXX XX/XX/XXXX at XXXX XXXX. Wanting ALL pertinent information, singed contract, payment history including first and last payment dates. and all entities who previously owned alleged debt Call at XXXX XXXX XX/XX/18 { recored line } to check status was told I need a Lawyer.
Product: Checking or savings account

I was charged an overdraft fee and I do n't understand why. There were some trial deposits sent by my other bank and taken out on the same day to create a link. This should not have caused an overdraft. Please refund the {$37.00} overdraft fee charged. Thank you
Product: Credit reporting or other personal consumer reports

On or around XX/XX/XXXX I requested my credit report from experian by mail. The appeared to be more than sound reason of having been a victim of identy fraud. My current address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was the address I requested my report to mailed to. It has been my current address since XX/XX/XXXX. Im making this complaint for the sole purpose of me not being able to recieve my free annual credit report and be able to inspect and view my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a loan from Coastal Credit LLC. I was in an accident where my car was totaled by a drunk driver. the total amount owed on my loan was {$11000.00} ( i have submitted my loan paperwork from Coastal Credit LLC ). XXXX paid {$9000.00}, GAP insurance paid {$1600.00}. The taxes remaining on my loan was {$570.00}. Coastal Credit LLC is reporting that I owe {$2900.00}. The only amount I owe are the taxing remaining of {$570.00}. 

XXXX ( PAID ) XXXX ( PAID ) GAP:XXXX ( PAID ) Taxes:XXXX ( UNPAID )