23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

am writing to expose the deceptive and unethical practices of XXXX XXXX, which scammed me out of over {$5000.00} for a trip they canceled without my consent. 

My childs school promoted this trip, and I was persuaded by a teacher I trusted to sign up, believing it would be a great opportunity. However, after paying, I received no real details about the trip until XXXX weeks before departure. When I finally received the information, I was shocked and upsetmany aspects of the trip were misrepresented in the initial XXXX  call by the teacher. Feeling misled, I reached out to XXXX XXXX  to discuss the possibility of canceling. 

This past year has been incredibly difficult for my family. My husband, a XXXX veteran, has been unable to work, and I also lost my job. Given our financial struggles, I explained my situation to XXXX XXXX, hoping for some form of refund or assistance. Their response? A cold and absolute nothey refused to refund any of my money. With no choice, I told them I would proceed with the trip despite our hardship. 

Then, without warning, I received an email stating that my trip was canceled. I immediately tried contacting XXXX XXXX, spending numerous hours on the phone trying to reach themeven risking taking calls while at my new job. They never answered, and no one provided any explanation or resolution. 

Left with no other option, I reached out to my bank, USAA, which claims to serve XXXX and their families. I reported the fraudulent transaction under the clear grounds that I never received the services I paid for. Shockingly, USAA has offered no help whatsoever, further adding to this injustice. 

XXXX XXXX  has taken my money, failed to deliver the trip, and refused to be accountable. Their business model is designed to trap customers with misleading information, hidden policies, and a complete lack of customer service. I am sharing my experience to warn othersif you are considering XXXX XXXX, do not trust them with your money or your travel plans. Their practices are predatory, and families like mine are left to suffer the consequences. 

I demand accountability from XXXX XXXX and urge USAA to do better in protecting the very people they claim to serveVeterans and their families.
Product: Vehicle loan or lease

The credit acceptance loan that Ive recently gotten within 14 days is unable to be cancel. The vehicle is no longer in my possession. The dealer has it back. My cancellation is being denied
Product: Credit reporting or other personal consumer reports

I never initiated any inquiries such as attached inquiries on my account and I believe they are fraudulent. Please do a thorough investigation about this.
Product: Credit card

Well this actually started in XXXX they wavied a late fee which was not late then even so i locked my card and now as i always do pay my payment on the XXXX th if every month and they say i am late now and charging me a XXXX late fee .You can clearly see they give u a sing and dance about dates and payment schedule as i said i have paid on or around the same.date for over a year and this has affected my credit score this is a horrible company and sunce XXXX they are trying more and more to get you socked with fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because experian, XXXX and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these account under section 611 ( 5 ) ( a ) of the fcra - they are required to promptly delete all information which can not be verified that i have disputed. please resolve this issue immediately.
Product: Checking or savings account

On XX/XX/20 I saw a large charge that was not ours. I immediately called bank of America and reported it and filed a claim for that days charge plus 4 other smaller charges that I found from past week. 
XX/XX/XXXX {$47.00} XXXX XXXX XX/XX/XXXX {$42.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$37.00} XX/XX/XXXX {$1000.00} I explained to them I had taken the card and put it in my kitchen drawer ( chip was loose ) The only explanation I can come up with is we had some workers over little over a week prior to XX/XX/XXXX and must have taken my card Bank of America denied my claim saying that i failed to report it lost or stolen. My card was not lost or stolen to the best of my knowledge it was in my kitchen drawer! The day I saw the charge for {$1000.00}, I immediately called b of a and filed a claim. I appealed the decision to deny this claim and they denied my appeal. I was never successful in speaking to a manager despite trying several times. I am at a loss on how to get refunded what was stolen from me?
Product: Money transfer, virtual currency, or money service

Coinbase.com has got my cryptos stuck and are not responding they just keep my account disabling without any reason. Worst service ever dont use coinbase
Product: Credit reporting or other personal consumer reports

I been going back and forth with a company XXXX XXXX XXXX XXXX TransUnion and XXXX keep letting this company update my report as accurate when its not accurate at all I asked this company to provide the original charging instrument and the XXXXXXXX XXXX  showing the issuer of the funds and the holder of the funds and the company will not provide this information but keep updating my account as accurate and the XXXX credit bureaus havent done they part to make sure what Im requesting be provided
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX Balance : {$6200.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$3500.00} ; XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX Balance : {$10000.00} ; XXXX XXXX XXXX  XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX  XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$3800.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX Balance : {$5500.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XXXX Balance : {$150.00} ; XXXX XXXX Balance : {$430.00} ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft, upon checking my credit report I have noticed that address and accounts are reporting to my credit report fraudulently. I have already filed a police report and FTC report about this matter submitted it to XXXX, XXXX, and Experian. I have also sent this information to the creditor who is reporting this information. These addresses and accounts are hindering me financially.
Product: Mortgage

Our mortgage servicing agent prior to XX/XX/2021 was with XXXX XXXX XXXX  XXXX. XXXX XXXX sold/transferred the servicing agent to PHH. We have NEVER missed a mortgage payment, and never been late with a mortgage payment in the 15 plus years we've been in this house. 

PHH continues to send out payment coupons that show TWICE the monthly amount of payment due, despite the fact that payments were never missed either before, during, or after the transfer to the new servicing agent. 

I have provided PHH on at least XXXX different occasions proof that all payments have been made, and that they need to correct their records to reflect that fact. Nevertheless, PHH continues to send out payment due coupons with twice the monthly mortgage amount due. This is not a problem of my making, and the evidence of on time payment is irrefutable.
Product: Money transfer, virtual currency, or money service

According to Federal Law, XXXX is legal. I opened an online business. I used Square as my vehicle of payment. After 2 sales totaling {$950.00}, they deactivated my account saying it was a high risk business. I understand, XXXX is still misunderstood, but it helps millions of people deal with pain & anxiety. So I am passionate about helping people feel better. If Square doesn't understand that it is legal, that it is NOT trying to hurt the public ( quite the opposite ) & they consider it high risk, fine. But don't keep my money for 3 months with NO resolve ability. It is impossible to reach them. OH yes, sales you get a human. Anything involving a deactivated account, they tell you to look at the first email. I called their numbers ( 3 of them ) on 5 different occasions over the past 2 months, all lead you to nowhere but frustration. That email tells you to go to their help online. Help online tells you to go to the email. 
Contacted the sales rep I bought it from on XX/XX/XXXX. When deactivated, I sent him an email on XX/XX/XXXX. No response. I called him on XX/XX/10, XXXX. No call back. I am beyond words. 

On XX/XX/XXXX, XXXX XXXX attempted to transfer to my XXXX XXXX account. On XX/XX/XXXX, XXXX XXXX said that XXXX XXXX put a hold on it. I have the documentation. 

After months of frustration ... I am putting in a complaint. This is just not right. I did searches on XXXX. Thousands of others are complaining, many attorneys. The experience has harmed me and my business as well as many others. When is too big not acceptable for consumers. When the consumers are lied to to get the business and then they pull the plug when they feel like it. It is just not right.
Product: Checking or savings account

I opened my acct last wed the XXXX of XXXX using my proceeds from my mother 's life insurance. It was deposited into the acct on XXXX the XXXX of XXXX. Friday XXXX XXXX I saw my online app was locked so I called them and they are very rude tellin me that my acct is under investigation and will not tell me where my money is or how I can access it. One boy told me that the chk hadn't cleared which yes I waited for it to do so. And then the next told me " how am I so dependent on an acct that has been open less then 10 days '' I said excuse me that's none of your buisness. And nobody will tell me where my money is. I feel like it's bein stolen! Its alot of money and very upsetting because it was from my mother 's death! I opened the acct with Ally bank
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX CXXXXe XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX CXXXXe XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

The amounts were over {$500.00}. They were charges overdrafts numerous of times which resulted in my account being closed due to the discrepancies. I had direct deposit which I had to move due to them depleting my accounts.
Product: Payday loan, title loan, or personal loan

This GreenSky loan/line of credit is the payment method for XXXX XXXX replacement windows applied for in person with an XXXX sales rep. 
GreenSky did not provide statements of the loan from XX/XX/2018 until XX/XX/2018. Their paper statements and website encourage the use of e-statements, but I was told several times that their e-statement portal does not work properly. I was told statements will never be made available from XX/XX/2018-XX/XX/2018, that they do not have the necessary information. 
I had to spend several hours over 6 telephone calls attempting to get the account information I am entitled to and that they are obligated to provide. During this time, I also received a letter from GreenSky that my complaint had been closed since they were unable to reach me, although they did not try to reach me. I provided two phone numbers, a fax, and an email address. 
I can not recommend working with GreenSky for any reason. Terrible service flouting consumer finance guidelines.
Product: Checking or savings account

I went to a bank in XXXX NH to open checking account for direct deposit for new job I would be starting This was end of XX/XX/2022 at some point maybe mid summer notice MONIES not accumulating in account was paid by weekly suspected someone using the numbers off my card several attempts made by me to bank about why I was not receiving any bank statements first excuse was they where sending all bank statements to a previous address in a completely different State on XX/XX/XXXX Sunday approximately XXXX I spoke with their call center bout a 45 minute conversation she told me she would start to have statements sent to my XXXX XXXX which address they had the entire time again still no statements when I inquire about what happened with those statements was told by a lady in the XXXX  XXXX Bank those were indeed sent but they went back to the XXXX XXXX as non deliverable. REALLY??? I went through three ATM cards cut them all up then noticed as time went on my account was finally growing and brought this to their attention. In the midst of all this I opened a safety deposit box with said bank XX/XX/XXXX Friday I went to go to bank on XXXX street to put more money in safety box now Around XXXX XXXX in cash along with a bunch of personnel letters GONE!!!! People waiting on me that day very suspicious with what they did and said What Bank let 's someone into a safety deposit box??? Personally I don't want them notifed I want to go to the next level whatever that may be not gone near bank since XX/XX/XXXX but did call them next XXXX XX/XX/XXXX and asked and she new who I was asked herwho is legally allowed inin a safety deposit box she said she have to ask my boss she came back with right answer so anyway I no exactly what I have left in box today and it still better be there and watching my checking account from a distance PLEASE HELP Do not want to go near that crooked Bank need Legal advice ASAP Thank-You D.S.D.
Product: Vehicle loan or lease

COVID-19 HARDSHIP DEBT RELIEF!!! FRESH START DISPUTE LETTER ( removed open collections, remove closed collections, remove hard inquiries ). PROTECTION LAWS ( Section 609, Section 611, Section 613, FCRA Fair Credit Reporting Act, CCPA Consumer Credit Protection Act, CPPA Consumer Privacy Protection Act ). Respective
Product: Credit card or prepaid card

Today, XX/XX/2022 I entered into a consumer credit transaction with American Express. American Express denied me of my own credit. Pursuant to 16 USC 1691 ( d ) ( 6 ) I, a consumer can not be denied for credit ( only insurance and employment ) after the transaction was already complete with the credit application. Pursuant 15 USC 1601e ( b ) failing to comply shall be liable for punitive damages in an amount not greater than {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS.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 consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} XX/XX/year> No court eviction date only a move out date which I supplied to management.
Product: Mortgage

I am currently behind on my mortgage payments and over the past two months have tried unsuccessfully to obtain a solution by my mortgage servicer. I have complied with every request for documentation within their time constraints and have copies of all correspondence. They constantly claim that documents are either missing or incomplete. 
Even though I've been assigned a representative I'm always told that she is busy, consequently I've spoken to at least eight people and have received eight different answers regarding documentation. In XXXX I had exactly the same experience with this company and was fortunately able to resolve the issue after enlisting the aid of The Office of the Minnesota Attorney General. To paraphrase XXXX XXXX my current dealings with Specialized Loan Servicing have been like deja vu all over again. After doing some research on line I discovered many customer complaints similar to mine with an overall service rating of one out of five stars and the CFPB settlement of XXXX. I feel time is of the essence regarding my situation as I received a notice of intent to foreclose on XX/XX/XXXX. SLS services over XXXX XXXX dollars in mortgages and it is absolutely mind boggling how inefficient and duplicitous they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my identity. Their system was hacked mid XXXX, but they did n't announce it to the public, I was vulnerable to identity theft. since they did n't announce it to the public, I was n't able to take any measure to protect myself from identity theft.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Experian credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

I had an agreement with XXXX XXXX XXXX that if I paid the debt in full, they would have it removed from all three credit reporting agencies. I reviewed my credit reports on X/XX/2017 and the account remains on the credit reports. I disputed the items and also called XXXX XXXX XXXX and spoke to XXXX. She stated that the account should have been removed from my credit reports because the company had instructed the credit bureaus to remove it. She stated that I needed to contact the credit bureaus to have them remove it. She said she would send me a letter via email to the credit bureaus stating that it should be removed. I still have not received the email containing the letter.
Product: Debt collection

XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing. 

I have included the previous complaint number for this very same debit. XXXX

XXXX and SW credit systems are in violation of the fdcpa.
Product: Payday loan, title loan, or personal loan

Possible Financial Inc-XXXX XXXX, 2023 {$70.00} This account is involved in litigation. 
This account was paid by insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$3000.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$39000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Opened XXXX. XXXX, XXXX  Balance {$3000.00} ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Money transfer, virtual currency, or money service

I would like to file a claim about Zelle. Unauthorized transactions, money sent to the wrong person with no warning being displayed before hand for me to confirm this was the correct person to send it to. The company has no way to reverse the transaction or replace my money sent.