23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

When I view a " XXXX '' report, I see XXXX conflicting records, which shows that these agencies do not actually know how to process or merge their data in a consistant way, and should not be trusted authorities. If the data could be soundly joined, we would not have XXXX separate commercial entities, and we would not get XXXX separate results. 

As a consumer, I should not have to reconcile XXXX different systems, each which represents a massive company. Why should I have to inquire to each of these XXXX different businesses? They are just data integrator, and they each have their own programming systems and approaches to data integration. Yet, still none of the XXXX of them can agree upon basics facts about me, so if they ca n't do that, why would we trust them at all? 

This XXXX reporting is the information that is trusted. But it should not be. The fact that these XXXX bureaus do n't give the same results shows that we can not trust their reports. I 've had online identity certification denied because XXXX of these bureaus published at some point that I am related to a person I do not know, and by their data, they think I should know her birth month ... But I do n't know her. She shares a last name with me, and she might know someone I know, so I can see that an over-reaching data-integration effort might think we are connected, but this is n't playing around - it 's not suggesting XXXX connections. This data aggregator is claiming to give valid information about finance and credit, and it is leading to restrictive practices regarding online identification. In this case, to get a wire transfer, I was told I either needed to know this person I did n't know, because XXXX of these data collectors said I should know them, or I would have to supply photo-copies of my social security card and driver 's license, just to assert my identity. Remember, this is because a data aggregator company put together my name with someone I do n't know. 

I should not have to lose my ability to sign for online services because the XXXX suite of companies does n't properly integrate data. And they should not be able to enjoy and continue to profit from the reputation that they are the only companies who are trusted. They give widely disparate accounts, so how are they still trusted, and how do they remain the ones who we rely upon for identity verification for credit reporting? Consumers should not be asked to reconcile the data when XXXX companies listed as authorities produce very different information from what we are told is the same data. Consumers should be able to say : Your data is wrong. Where did you get it, and how was it combined? Their representatives seem to be happy to say " it 's just public data.. we 're just combining public data '' ... without realizing that they maybe do n't have great experts in charge of combining it, so wind up with very wrong combinations. And typical consumers would not know enough to be able to complain. But I do know that the data is being combined incorrectly, I have evidence of it, and this is a huge consumer issue.
Product: Credit card or prepaid card

I came back from basic training to this credit card open in my name. I was told to take it up with XXXX XXXX who is also on the credit card. I never gave anyone permission to use my information while away. I contacted the company and was told that it was nothing they could do
Product: Mortgage

Since I have my modification completely done ; i had experience lot of difficulty with Fay servicing changing the monthly payment for {$1400.00} has varied.. The lender was calculating my escrow act more than the actual amount since act was transferred to them. Now I had made payment for shorter escrow since lender requested to be paid back on XXXX, 2015. Acct was supposed to go back to {$1400.00} and is not happening ; now lender is telling that I missed a payment when I had paid in advance without delate. Please see attachment for my monthly payment since XXXX 2015.
Product: Credit card or prepaid card

The company Discover closed my account with no real warning through mail and I am worried it may harm my credit score even tho it is not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance $ XXXX Late Date Late Date XXXXXXXX XXXX XXXX XXXX  XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX Balance XXXX XXXX XXXX Late Date XX/XX/XXXX
Product: Credit card or prepaid card

I paid my XXXX credit card balance {$250.00} in full XX/XX/XXXX  which was prior to the statement due date. Then on XX/XX/XXXX finance charges and even a late fee were added to my account to which I owed nothing! Then again in XXXX and XXXX, XXXX and XXXX late fees and finance charges were added. I was out of state and was unaware they were charging me. So, when I got a notice that my credit report was showing this over 90 days delinquent I contacted them and alerted them that this information was not correct! The XXXX I talked to said she could see the mistake and would remove the bogus charges. I called XXXX other times and again was reassured this would be taken care of and taken off my credit report. The charges were eventually removed but instead of taking this off my credit report they put a note on it that my account was now in good standing! Which is was all the time! So, now it looks like I finally paid my bill which is not the truth. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax, and XXXX were XX/XX/2022,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX .... Balance : {$20000.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$15000.00} ; XXXX XXXX XXXX XXXX XXXX ... XXXX Balance : {$540.00} ; CALIFORNIA XXXX XXXX XXXX XXXX XXXX {$26000.00} ; CALIFORNIA XXXX XXXX XX/XX/2022
Product: Checking or savings account

I have several checking and savings accounts with Capital One Bank. Most recently, I set up a Performance Savings account, which is supposed to have a 1 % APR yield. After reviewing the account, I am only receiving a 0.40 % APR. After speaking with a representative, they stated that they are not obligated to maintain the initial APR offering. My checking, savings, and performance savings accounts are all receiving less than half of what they are supposed to receive.
Product: Debt collection

I was charged an amount that was incorrect, I did not own any money.
Product: Debt collection

On Wednesday, XX/XX/2021, I received a call from a debt collector identifying themselves as United Collection Bureau or " UCB. '' The person I spoke to verified if my birthdate was correct, and then he proceeded to explain he was collecting on an account where I owed " {$1800.00} '' which originated something called " XXXX XXXX '' or " XXXX XXXX. '' It definitely started with an " XXXX '' My total debt is split between my school loans, my current car loan, and seven unsecured creditors. I monitor my credit rating monthly, so I know exactly who owns what amount on each debt account. First red flag : Ive never heard of this debt collector before and they just started calling me this week. Second red flag : The debt they say theyre trying to collect originates from an account that doesn't sound like any of the banks Ive ever done business with. Third red flag : UCB has been repeatedly calling my mothers house phone number. All of the creditors I DO deal with have always called me on my personal mobile phone number. After I told this person I don't recognize the account they're talking about, I promptly ended the call. They repeatedly continued to call my mom 's number while I was at work on Thursday, and she finally convinced them to stop calling. There is the POSSIBILITY that one of my accounts was sold between companies and " XXXX  '' is some alternate name for one of my old creditors. But if the account changed hands recently, I was never notified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the incorrect items on my credit report, it has been well over thirty ( 30 ) days and I have yet to recieve any investigation results.
Product: Vehicle loan or lease

I contracted Wells Fargo a couple months ago stating where the vehicle is and they still havent got the car and Im tryna start fixing my credit
Product: Credit reporting or other personal consumer reports

I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I initiated a {$500.00} transfer to my bank in the XXXX using my Western Union online remittance account. I submitted the remittance and received a rather great rate of XXXX XXXX  per XXXX XXXX Within a few minutes, I was notified that the transaction was cancelled by Western Union but they had already debited my XXXX checking account for the {$500.00}. I called to find out why and they said my bank account in the XXXX was closed. I immediately informed them that the account was open and there was no reason for them to cancel the transaction. I requested a refund but was told it could take up to 9 business days to get my money back. I find this business practice to be unacceptable and something needs to be done about them holding funds that long. It is the XXXX of XXXX and I still have not received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the fact that I am a 100 % XXXX veteran, my student loans are paid in full. The credit agencies are still showing a balance.
Product: Mortgage

I applied for the renewal of my existing HEL/HOCL ( for {$500000.00} ) application XXXX, sometime in XX/XX/2021 thru XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.at the Huntington National Bank ( Router # XXXX ) My application got rejected due to insuffient monthly income per XXXX XXXX. 
I am retired. Hence my income is my social security pension approx XXXX per month and my MRD ( minimun required Distribution- variable ) from various tax deferred assets - multiple IRAs, my annuity + my invest incomeof assets over XXXX XXXX. I told them I can always withdraw more than MRD if and when needed.They poofaed that being 'hypotetical '!? My previous payment record is stellar. My credit score close to 800. No other liability except balance in the existing HEL of about XXXX. No other pending liability, lien of any sort. All the property taxes and Home ins premium paid promptly and on time, for the past 40+ years on the house. 
I asked for house appraisal report. They haven't provided me as required by law in spite of repeated requests on the phone and via e-mails. The bank also has NOT responded me with final response in writing with re my complaint ( XXXX ) lodged via phone on XX/XX/XXXX to XXXX XXXX XXXX on the phone. I have no other recourse, except to plead your help in this regard. Thank you XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Due to Covid-19 my Husband who is the main source of income in our family was furloughed on XX/XX/XXXX. Hyundai Motor Finance, whom we have two vehicle leases with, was offering 90 days deferment for those affected by Covid related lay offs. The only option they gave to apply the deferment to your account was a email form on the website where you selected 'Covid 19 '' as the reason for deferment. 
I submitted the form in XXXX and received a generic email saying they received my request. We never received any follow up information in the mail, or calls from Hyundai to confirm the deferment plan. I continuously called their customer service line the entire month of XXXX and XXXX, getting an automated recording that they had high call volume and to try again later. I was not able to successfully talk to someone live until XXXX. 
The customer service representative told me to not make any payments for the past due accounts and that they would have to process one month at a time, to apply for the deferment program, but that XXXX, XXXX and XXXX would be covered under their program. Several representatives assured me that our credit would not be affected, our account would not be late and that the deferred payments would get added to the end of our lease term billing. 
Since then, we have noticed my husbands credit score, as well as mine, have gone down significantly. We attempted to contact Hyundai,  receiving once again the automatic message about high call volume, with no option to speak to a person. After several days of trying a representative told us that the deferment program was no ended and there was no way to apply the program to our now, very overdue account. I asked to speak with a supervisor and was given no helpful information and was told our credit would be affected until we paid our account in full. They claim that we never followed up on the deferment program, when I did actually call repeatedly with no way of talking to someone. 
I contacted our local XXXX XXXX XXXX XXXX  and they said, as long as I filled the form claiming Covid job loss on there website I would be okay and eventually it would be applied to our account. 
We are unsure what to do, but are discouraged our credit is being affected despite Hyundai  offering a 90 day deferment, that we met every requirement of.
Product: Credit card

On XXXX I was charged an annual fee. I closed the account on XXXX and requested the fee be waived as I will no longer have use for the card. They refused to waive the fee and said i should have closed the card before the annual fee was posted. However, no notice was sent before the fee posted. The annual fee is paid for the benefit of using the card this year and since I won't be using it, it should be waived. I was lied to that they never waived the fee in the past. I have had this card in the past and they did waive it. I believe that since the CFPB adopted the new XXXX dollars cap on late fees, Penfed is trying to make money by not refunding junk fees. I am asking for a refund of XXXX dollar annual fee. Also recommending CFPB to review how Penfed is trying to make up for lost revenue due to losing billions in late fees.
Product: Money transfer, virtual currency, or money service

I invest in Crypto.com. 
I bought a coin named Loopring ( LRC ) The value of the coin moved up and to XXXX $ Then I decided to sell XXXX of my total coins. 
When I finish the transaction Crypto.com only paid for the transaction XXXX per coin. 
This is a big discrepancy. 
I contacted them, and show them a screenshot of their own chart. 
They say that what is shown in the charts is only for reference in their app. 
I also told them I double checked with other exchanges, and I use trading view at the time of the transaction. 
And all of these point out to the my expected price.
Product: Bank account or service

I XXXX XXXX, entered the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, GA XXXX around XXXX. I am a XXXX bank customer attempting to deposit my personal check paid to the order of my mother XXXX XXXX for {$800.00} who is a Wells Fargo customer. I wrote deposit only and her acct # in back of the check due to the fact she lives in XXXX and is not able to endorse the check in person. The teller at the window advised me that they are no longer excepting checks that are not endorsed by the acct holder themselves. This policy is unknown to me and there is no signage anywhere in the branch that has such a policy written. The service manager advised me that they only except cash when you are not the card holder. This is very inconvenient for those who do business and need a paper trail. Checks are how I pay my rent. I called another Wells Fargo branch who was n't aware of this stores policy. I also spoke with the service manager XXXX XXXX who advised that they could simply not accept the check. the branch manager XXXX XXXX advised she would double check policy but never called me back for an update. The lead teller XXXX XXXX could also not tell me why this policy only applied to this branch. If this is Wells Fargo 's new policy, they should apply it across ALL locations and make non customers aware. Now it sounds like an all cash business if you do not have an account with Well Fargo. I feel we are being punished for Wells Fargo ability to detect fraud. their lack of loss prevention should not fall on customers whether we have an acct or not.
Product: Credit card or prepaid card

On XX/XX/XXXX, I used the Citibank online app to make a payment. The app stated that there was a problem with the system, please resubmit. I resubmitted per the instructions given. I then failed to notice that the payment had been charged twice until the second one bounced. On XX/XX/XXXX, I made a payment and again had a problem with the app. This time, the payment was pulled from the wrong account and again bounced. Finally, on XX/XX/XXXX, having moved some funds around, I made another {$500.00} payment and had the exact same experience, the website said resubmit, I did, and it double-billed me. This time, I caught it because of the generally miserable experience I had been having with Citi. 

Regarding the payment on XX/XX/XXXX. The funds were removed from my account on XX/XX/XXXX. They still have not been credited to my account and Citi states that it is because of the prior payment issues. I can understand holding credit until they are certain the funds are available, however, to hold my funds for more than a week after they have been received at Citi through the ACH process is simply unacceptable.
Product: Credit card or prepaid card

I purchased a {$500.00} Vanilla Visa gift card from XXXX for my wife 's birthday on XX/XX/21. On XXXX XXXX charges for XXXX $ ( in the span of two minutes ) were made on the card to " XXXX XXXX  ''. I've contacted Vanilla Visa Gift card and XXXX XXXX, to no avail.. 
I am reading online that I may be out of luck getting my money back/balance refunded on this scam, due to gift cards not being included on Visa 's liability policies. Somehow, the card was used anonymously with us never presenting the card, and its ' balance is now XXXX. Happy Birthday.
Product: Credit reporting or other personal consumer reports

I have attempted 3 times to request Equifax correct my file. They are reporting a delinquency on my file and the creditor has already updated them with the correct information. I have provided them with a letter as well confirming the information they are reporting is incorrect yet Equifax is insisting this verified which is impossible. They have caused my score to decrease significantly. The other two reporting agencies have immediately corrected the issue but they have not. I want to know how they are verifying this if the creditor has provided them with an update.
Product: Credit reporting, credit repair services, or other personal consumer reports

incorrect information reported on my report from XXXX, transunion, XXXX
Product: Vehicle loan or lease

I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX accounts on my credit report. I have disputed these accounts. I have reached out the the company multiple times asking for the original purchase agreement and never received. Therefore this information is unverified & inaccurate and needs to be deleted from my report ASAP.