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

In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. Account : XXXX XXXX XXXX XXXX ACCT # XXXX & ACCT # XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 USC 1605 states that the finance charge is the sum of all charge, no such thing as late payment, REPORTING DELIQUENT/NOT FACTUAL 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose REPORTING DELIQUENT/NOT FACTUAL 15 USC 1681 section 604 a section 2 ; states a consumer reporting agency can not furnish an account with my written instructions 15 U.S. Code 1692d - Harassment or abuse ; A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt 15 U.S. Code 1692b ( a ) ( 2 ) Failure to do a proper investigation, Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall bot state that such consumer owes any debt, 15 U.S. Code 1681d A person may not procure or cause to be prepared an investigative consumer report The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer w/a written request or through mail ( failed to do so ) 15 U.S. Code 1681d ( a ) ( 4 ) no consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer
Product: Money transfer, virtual currency, or money service

I initiated a few transfers totalling less than XXXX $ from the wrong savings account. Appropriately the company notified me of my mistake and I sold enough assets to bring my account to back to positive. 
Because I didn't appreciate the way they handled the mistake, which I clearly admitted was mistake. I decided to close my account entirely. The company is blocking my ability to transfer the raining USD balance back to my savings account
Product: Checking or savings account

I have had an account with Chime for many years ( at least 5-7 or more ). I had a checking, savings, and also credit card account with them. 

They closed all of my accounts without providing any reason whatsoever.
Product: Mortgage

I took out a home equity line of credit on my home approx. 8 years ago with XXXX XXXX. I paid it off about 7 years ago and never drew on it again. In XX/XX/XXXX XXXX  XXXX advised me that I would not be able to draw after XX/XX/XXXX. I understood this communication to mean that my account was closed, since I had a XXXX balance and wasn't able to borrow anymore. 

In XX/XX/XXXX I received a notice that my loan servicing was being sold to Rushmore. Since I didn't have anything to service and my account was scheduled to be cancelled in XX/XX/XXXXI took no action. 

In XX/XX/XXXX, I scheduled the sale of my home for XX/XX/XXXX. On XX/XX/XXXX, my  attorney sent a fax to Rushmore to request a pay-off letter. Approximately a week later my attorney called Rushmore, who told him I had to sign the fax request. I signed it and he resent it on XX/XX/XXXX 

When we still did not receive the pay-off on XX/XX/XXXX, I called Rushmore and asked for the payoff. They were confused because I had a XXXX  balance. I asked them to fax the pay-off to my attorney, and had to repeat the fax number 3 times because the Rushmore employee kept transposing the numbers. 

On XX/XX/XXXX, I called Rushmore again. I got an employee who said this was the first communication they had received according to their system. I told them they need to do a better job of updating their system. I asked to speak to a supervisor, and spoke to XXXX. I begged him to get the payoff out to my attorney so that money would not be escrowed at closing. He told me I needed to pay {$70.00} to issue a release. I paid it via credit card that day. 

On XX/XX/XXXX, my home sale closed, and we had no word from Rushmore. Due to the HELOC lien, in order to close we needed to leave $ XXXX in escrow ( for a XXXX balance loan ). 

The following week, my attorney contacted Rushmore, and now they told him they faxed the pay-off to the wrong fax number ( fax number still transposed ) and they couldn't deal with him because they had to speak directly to the borrowers. My attorney then received a letter advising that the status of the loan is XXXX, which is not a pay-off letter. So I am still unable to get my money out of escrow. 

On XX/XX/XXXX, I called Rushmore to see what was going on. I spoke to a supervisor named XXXX who told me that Rushmore has 30 days to issue the release according to XXXX XXXX, Illinois, so I can expect my release on XX/XX/XXXX ( which is not 30 days from my first request, or from the date I paid for the release. ) Due to XX/XX/XXXX sale of my XXXX balance loan which they had advised me they were closing, and Rushmore 's incompetence, I was required to pay a {$160.00} escrow fee as well as experience the escrow of over {$30000.00} despite not owing any money on this loan for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XX/XX/XXXX I CONTACTED XXXX, XXXX, & Transunion in regards to 3 charges on all 3 of my credit report that needs to be removed. ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, & XXXX/XXXX XXXX, ). They need to be removed because ( original creditor sold my debt to a collection agency/ other company, they also wrote off my dedt on their taxes which wrote off my obligation to pay. Contract was cancelled and voided. NO CONTRACT. Also the same creditor is listed twice. The credit report agency do not make any changes or any answer to my credit reports. The company 's are still trying to collect, also entering negative on my credit report. Please help. Sincerely
Product: Credit card

I reported unauthorized transactions on my Discover Credit Card XX/XX/XXXX. There were many charges from XXXX different merchants, XXXX of which I had never heard of until I saw their transactions. I have spoken with XXXX of the merchants and received a 'we are working on it " type email from the XXXX. i requested proof that my credit card was used by someone else on accounts I never opened. These are the charges. 

XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$970.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$330.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX - {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX {$390.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$560.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$570.00} XX/XX/23 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$420.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$80.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$550.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$430.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$43.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$79.00} XX/XX/23 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$41.00} XX/XX/23 XXXX XXXX XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending in XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX ending XXXX {$26.00} {$14000.00} Discover was investigating the issue but closed the case saying " they couldn't get a hold of me '' but they never reached out via email, mail, phone, or text. I had to reopen the case and provide all of the information again. Discover tells me that if I have any additional information at any time to reach out and share it with them, however I was dismissed and talked over. I feel that no matter what I do to cooperate and provide more information, they do not care.
Product: Credit card

I have a dispute with a vendor " XXXX XXXX XXXX ''. This company was hired to create a brick paver circular driveway. The company did not finish the work and also failed to pay for the brick pavers ( XXXX XXXX XXXX XXXX  ) as per the contract. I paid an initial downpayment of {$8600.00} to XXXX XXXX XXXX via check and then three payments via credit card in the amounts of {$8600.00}, {$4300.00}, and {$3800.00}. The total amount of invoice was approximately {$21000.00}. The company " XXXX XXXX XXXX '' did not provide a " notice to homeowner '' that is required for vendors to inform homeowners that they are responsible for payment to supplier if vendor does not pay. XXXX XXXX XXXX  did not pay for the pavers and I received an email from company " XXXX XXXX XXXX XXXX' notifying me that XXXX XXXX XXXX did not pay for the pavers and therefore I would have a lien placed against my home. I then paid the supplier approximately {$9300.00}, also via the same credit card. I paid via the same credit card so that they would see that XXXX XXXX XXXX did not pay the vendor as per the contract. In addition, the current job is not complete and I have an estimate from another paver company for approximately {$8000.00} to fix and finish the driveway. I have exhausted my efforts with Barclay Bank to help me reverse these charges but Barclay Credit Card after two months have been unhelpful.

Please help me with this issue.
Product: Money transfer, virtual currency, or money service

PayPal has closed my account for no reason and will not help me getting it back up and running. It seemed like a mistake but they have been completely unhelpful in trying to remedy it. I've been trying for months and was told to file a report here for help. 

My PayPal email is XXXX They put the account on hold initially in XXXX, then announced a 180 day hold in XXXX. In reality, the hold ( although not warranted to begin with ) started over 180 days ago. This is seriously shady activity from PayPal and it's affected my ability to pay for basic expenses.
Product: Debt collection

XXXX , {$2700.00 } High Balance, The following agency is not bonded in Tx and can not legally collect debt. Please remove from my  credit report and confirm that the debt is not owed.
Product: Money transfer, virtual currency, or money service

I have {$20000.00} in my account at Gemini. I have been unable to sign in to my account since XX/XX/21 ( see below ) Despite numerous emails asking for help I have not had a response, other than such as below. I wanted to move my money, and since I can't get into my account, it is unavailable to me, a breach in our contract, I feel. 
This company can not be accessed via telephone. It is playing games with my money and deserves sanctions. 
XXXX XXXX Gemini Mon, XX/XX/XXXX, XXXX XXXX  ( 8 days ago ) to me # # - Please type your reply above this line - # # Our team of experts are diligently working to respond to all requests, due to higher than normal ticket volumes, responses are taking longer than usual. 

In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 

We are committed to providing exceptional customer service and appreciate your patience. 

Onward & Upward! 
Gemini Customer Support [ XXXX ]
Product: Mortgage

applied with XXXX XXXX for a home refi. Paid the appraisal fee with credit card ending in XXXX ; dated XX/XX/2019. 
We decided to change lender a short time later. New Lender Infinity Home Lending charged another appraisal fee on closing. This was financed. 
XXXX XXXX is the appraisal company.
Product: Credit reporting

There are XXXX outstanding issues with my Experian credit report which have negatively affected my credit score : 1. The XXXX XXXX credit account listed in the report is not mine. This account is linked to my college address and was reported to be opened under a name that does not belong to me. At the time this account was reported to be opened, I had already graduated college and was no longer living in that address. I never authorized to open this account. I am requesting that the item be removed to correct the information in the report. 

2. The name linked to the XXXX XXXX credit account is not mine. I am requesting that the item be removed to correct the information in the report. 

I have provided Experian my SSN and passport which states my legal name. Experian has not corrected these XXXX issues even though I have written and disputed the information. 

Attached is : - An excerpt of the original letter I wrote to Experian. 
- A copy of my passport. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- A utility bill from XXXX as proof of my address. 
- An excerpt of Experian 's dispute result with the credit account that does not belong to me. 
- An excerpt of Experian 's dispute result with the name that does not belong to me.
Product: Credit card

I was just notified that my Kikoff/XXXX account was removed from my credit report, which caused my score to drop several points. I have made all of my payments on time, most recently a few days ago for both of my accounts, and I have been paying for more than 6 months. What is the reason for this account being removed so abruptly? I need an explanation and solution ASAP, as a new account being added back will hurt my score again, and at this point Ive paid Kikoff hundreds of dollars to build my credit and this is the opposite.
Product: Checking or savings account

On XX/XX/XXXX cash app went into my credit union account and took over {$90.00}. I did not know where the transaction came from. I did not authorize the transaction. I called Cash app cash app told me they can not see the transaction and I thought it was weird that I can not see the transaction on my Cash app transactions but I can see the transaction on my credit union account I caught my credit unit to try to reverse the payment and they told me they can not because cash app has my routing and account number and they took the money cash app has never put the money back. My account is in the negative, my credit union account went - {$90.00} because of this my Cash app account is still - {$44.00} because of this.
Product: Credit reporting or other personal consumer reports

Duvera Billing/Easypay has violated 15 USC 1681s-2 ( a ) of the FCRA. Account lended by Easypay was reported as closed/charged off as of XX/XX/year>. The creditor has reopened the account, changing the status to open, violating federal law. XXXX XXXX and XXXX are also in violation if this continues to be reported. The credit bureaus or Duvera will delete this file from the report completely. Adjusting only the status is unacceptable because of inaccurate reporting. The creditor is also in violation of Texas law by exceeding interest rate caps, and engaging in predatory lending. They attempt to circumvent law by claiming extension of credit through out of state banks, and have paid substantial fines as a result. Statutory and punitive damages can be sought for each violation of the FCRA regarding this account.
Product: Credit reporting or other personal consumer reports

Transunion was notified about reporting inaccurate information from XXXX XXXX XXXX. I've never opened a loan with this company in 2024. This company has been illegally reporting information to the XXXX credit bureaus in which is false. According to 15 USC 1681n I'm entitled to Statutory Damages each time they're illegally reporting. I'm willing to waive this if, and only the reporting discontinues and my points are replaced on my credit score, and late payments are removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX 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
Product: Credit card or prepaid card

Navy federal was notified that my credit card was used fraudulently. They closed the account and placed it on my credit report as unpaid debt. They refuse to submit a fraud claim. I want this debt removed from my credit report.
Product: Student loan

I made a full payment on my private student loan, but now they lost a lawsuit which iw XXXX XXXX XXXXXXXX, if I still had balance I would be able to get a break on it but I paid off my balance and now they won't refund the amount back I am entitled to.
Product: Student loan

The lender worked with me and the payments have been {$50.00}, however the past 2 months the lender is refusing to keep my payments lower, even though the circumstances have not changed. 

I am long-term unemployed due to XXXX. I do not have the funding to make higher payments than {$50.00} a month at this time. The lender is also asking me for banking information every other month and not keeping the payments at {$50.00}. 

I have received backlash from XXXX XXXX XXXX, who has made inappropriate comments that I have never made the full payment amount, when in fact from about a year I was making the full payment amount until I could no longer afford the payment. 

The company is a non-profit and should work with the students long-term who are having XXXX related circumstances. 

I also do not wish to have my bank account attached to the billing account because I will get overdraft fees.
Product: Checking or savings account

I set up a payment from Huntington online bill pay to XXXX XXXX credit card for {$76.00}. It was removed from my checking account and sent on XX/XX/2023 to be delivered by XX/XX/2023 as guaranteed. The payment due date was XX/XX/2023. When I received my credit card statement the following month with a due date of XX/XX/2023 for a late fee and interest charged of {$29.00} I called both Huntington and XXXX XXXX credit card immediately. XXXX XXXX told me the payment didnt arrive until after XX/XX/2023, the closing date of the next statement. Huntington told me they had no control over the mail but they guarantee the the payment will arrive on time if made by XX/XX/2023. This credit card payment always took 5-7 days and informed me each time that I set up payments. I spoke to XXXX and supervisor, XXXX. The supervisor refused to work with me. They would not reimburse me for the late fee and interest charges. I also called XXXX XXXX and they refused to refund the late fees and interest charges. Since neither one would work with me I quit using the credit card and paid the fee and interest charged by phone by the due date in XXXX.
Product: Payday loan, title loan, or personal loan

Hi, I was in the process of working on paying off a loan that had a promotional period of one year of purchase. The start date was around XX/XX/2021. The loan is through Comenity bank. In the past three weeks I have been unsuccessful in getting access to my account. When I call the automated service puts me through and when I attempt to talk with a representative it hangs up saying " We are too busy to handle this call please call back at a later time. ''
Product: Credit card or prepaid card

Someone used my email address when opening the credit card. I get email notifications regarding their account including multiple past due notifications. I know that this account was not opened in my name because my credit is monitored. I tried calling the company to have them correct the email associated with the account and they were of no help. I do not want to get the emails but seems there is no way to fix the problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/ I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX Arizona, due to an extremely bad experience, XXXX, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.
Product: Debt collection

Back in XX/XX/XXXX my old rental company sent a letter of damages/end of lease fees that were inconsistent with my move out date and information advised to me of that time in XXXX. I disputed it via email on XXXX XX/XX/XXXX with a clear breakdown of what was false on the debt request such as amounts, dates not aligning with information provided by companies ( with evidence ), charges etc to which an auto email reply was received back from the leasing office stating the manager was out of office and would be back XXXX XX/XX/XXXX. A reply was then never received from them in relation to my credit verification request and in XX/XX/XXXX I was informed of the credit verification dispute process by a lawyer after I applied for a new rental and got denied at which time saw the collection XXXX XXXX on my credit report and attempted to contact the collections agency who now owned the debt including required information to dispute it. The agency has never responded and as such I again contacted a lawyer this month who mentioned filing a credit complaint with your Bureau as the collection has not been handled correctly and as a consumer this is now negatively impacting me.