23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Im not sure where to begin..I am doing home improvements and other things and was over budget..I went into Key Bank to close my account..a gentleman suggested I get a credit card and asked my credit score..it was XXXX on my XXXX credit update that day..he said right now I could get a card with absolutely no interest or fees for 15 months..I didnt know this was offered as I have had the same card with XXXX for approx 20 years..never had another one other than XXXXXXXX XXXX and usually carry no balance. My credit is always locked up for safety..went into his office and unlocked the credit reporting company they use. From there on it has been nothing but absolute miscommunications..outright untruths that to prove I have had to have many phone calls reviewed after Ket Bank associates telling me no one would ever say that. I was told no fees, called in to transfer a balance and was told I couldnt for 15 daysmanager later telling me that was not true and no one ever said that..Had the phone called..proved they did.also XXXX  said to decide whether or not I pay the fees depended on policies they were reviewing not what their employee told me..it took a month for her to decide the policy was against me..I called Tuesday and they said a man was taking my case..First there was XXXX, then XXXX  and now someone new.. I wrote to them in the XXXX of XXXX saying I was going to report this issue..XXXX called me on Wednesday the XXXX of XXXX early afternoon and said my care was being reopened straight away..this is recorded..no replyhave been called an untruthful person..was told I couldnt use my card as well as very condescending bank manager telling me Not to use my card..every thing I told then had to be proved by them pulling a recorded call..very unprofessional and terrible service. 
Thank you for your time, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with AMERICAN CREDIT ACCE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and AMERICAN CREDIT ACCE with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

I am filing a complaint regarding misleading practices and unfair treatment related to my 360 Savings account with Capital One.

Capital One marketed the 360 Savings account as offering one of the " top, '' " best, '' or " highest '' interest rates in the nation. However, despite nationwide increases in deposit rates, my interest rate was frozen at just 0.30 %, which is far below the competitive rates they had advertised. 

Additionally, in XXXX, Capital One introduced a new 360 Performance Savings account. This account, identical in functionality to the 360 Savings account, offered substantially higher interest rates. By XX/XX/XXXX, the rate on the 360 Performance Savings account had reached 4.35 %, yet Capital One failed to notify me about this option or provide me with an opportunity to upgrade.

Actions Taken by Me and the Company I relied on the marketing of the 360 Savings account and expected competitive interest rates as promised.

I was unaware of the 360 Performance Savings account because Capital One did not notify me about its existence or advantages.

Despite my loyalty as a customer, I feel I was unfairly excluded from earning a better interest rate on my savings.

Impact These actions resulted in a significant loss of potential interest income on my savings, and I feel misled by the advertising of the 360 Savings account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX falsified the dates of the loan. I put in a dispute with the credit bearau in which they did an investigation and it was removed from my credit report. 
Then XXXX XXXX reported it again this year but this time they made the dates more recent. When I disputed it again the credit bearau reported it as accurate. Even though it clearly showed that the dates were changed to fit within the statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly informed this company that XXXX is unable to find an account under my name. How is it that Experian is able to validate an account that XXXX themselves are unable to find? I have attached a letter from XXXX confirming this information. 

This is the first step in my resolve to seek litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017 this financial instituti on pulled my credit without my consent. I contacted them twice and they refused to send proof that i gave authorization to do so. I then asked that they contact the credit bureau and retract the inquiry and they again refused. I now beleive that they are in Violation of my rights.
Product: Student loan

I borrowed from National Collegiate Trust I made payments for several months before it was sold. I found out who it was sold to and begin making payments with them ( balance increased ), it was sold again and has been sold again and the balance is continuing to increase. Not to mention that every single company that it has been bounced around to is unaware of the previous holder or originator. They ask me for a huge amount to put down ( {$10000.00} ) and are not willing to work with me for reasonable payments, threating to take other actions.
Product: Payday loan, title loan, or personal loan

Was pre-approved. However, I was still denied. There service has been dishonest and fraudulent!!
Product: Credit reporting or other personal consumer reports

This is my several 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 alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$630.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$490.00} ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX  XXXX, instead of issuing refund checks, use a company called XXXX XXXXXXXX XXXX to send debit cards to their former customers. 
XXXX XXXXXXXX XXXX is a scam. Customer service is unreachable, the cards are impossible to activate based on the phone numbers or QR code provided with the card. 
I was only able to activate mine by finding a XXXX XXXXt with a customer service number not listed anywhere else. 
Meanwhile, once they send it outXXXX XXXX XXXXXXXX XXXX drains the accounts to the tune of {$3.00} per month. 
This is clearly a scam based on attrition, counting on customers to give up after frustrating attempts at trying to use the card, and betting that customers will abandon their refunds that are under {$50.00}.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX - XXXX The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX OF XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting. 
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian is not reporting a closed auto loan that was in good standing on my credit report. 

In XX/XX/2016 I paid off my auto loan and this loan is supposed to stay on my credit report as it is included in my XXXX credit report accurately. The details are listed below for your review. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Amount originally financed {$19000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is the only bureau showing that a mortgage I had, with then XXXX XXXX, as having a late payment. I was never late on a payment and disputed the facts and at the end XXXX  and XXXX  fix the issue on my credit report but Experian did not. This status on my report is showing a negative on my behalf and is very incorrect. 
The problem came from a loan officer at XXXX XXXX  by the name XXXX XXXX telling me that they had a plan for the bank to take ownership along with the equality in the home without any negative to me. I was told that this wouldn't affect my credit or anything negative as long as I made all the payments up until they took ownership back which I did, if I kept insurance on it till that time, and at the end I should have a free and clear title. Me not know exactly what a XXXX was thought I would be ok. This happened in XXXX and now in XXXX I find that I'm unable to purchase a home with out penalty of higher interest rate and down payments.
Product: Credit card or prepaid card

i am a regular consumer with several regular credit cards, a postal address, etc. I purchased a prepaid mastercard from XXXX 's ( XXXX ) in XXXX. I put {$200.00} on the card. I wanted to make a discreet online purchase, so I wanted to pay using the prepaid card so that it wouldn't show up on my bank account for other family members to see. 

Only once I open the card packaging, it informs me that I have to register the card online ( at XXXX  ). fine! that's okay, as long as they don't send me anything to my address. I put the 16-digit number into the webpage and it says there's a problem. I try again. I try again. I call the customer number. I wait 30 minutes on hold. the customer services representative informs me that the number has been used in a fraud and the ONLY possible way they can remedy the situation is to SEND a physical card to my address. Obviously, that's not an okay solution for me. To be clear, I don't mind giving my address to the website, but I absolutely don't want anything sent to my physical address. I discuss options with the customer services person. I speak to a supervisor. Nothing. it's as if they have had this conversation a hundred times before. 

I give up. I fume for a few days at my lost {$200.00}. Then I go and buy another card ( this time for {$150.00}, I found a cheaper online test ). I purchase from a different XXXX store, and use XXXX rather than XXXX. guess what? SAME THING HAPPENS. 

I'm now {$350.00} out of pocket ( plus purchase fees ) with the feeling that the gift card company knows exactly what's happening and loves taking my money and not giving it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Equifax Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : CXXXX XXXX  XXXX XXXX Balance {$14000.00} XXXX Inquired on XX/XX/XXXX 2020
Product: Money transfer, virtual currency, or money service

Company not giving specific reasons why check cashing was declined. Never had an issue before and now theyre giving an inaccurate reason that doesnt apply to me.
Product: Credit reporting or other personal consumer reports

I have asked Experian, XXXX, XXXX on numerous occasions to remove this false information reporting to my credit report. I've also asked which company is reporting this information? They have different variations of my name and social security number.18 USC 1028 ( d ) ( 4 ). 42 USC Sec 408. XXXX XXXX XXXX  has also been reported for falsifying documents. As well as reporting false addresses. When I tried to dispute the social security numbers I was unable.
Product: Mortgage

We recently refinanced our original home mortgage, which had been transferred to NewRez, LLC from XXXX Mortgage. The refinancing transaction was with NewRez, which was servicing our existing loan at the time. The refinancing transaction was protracted, troubling, and troublesome in a number of respects that warrant further comment. However, the loan closed in or about XX/XX/XXXX, resulting in our current conventional mortgage loan ( Loan No. XXXX ). In connection with the origination of our current loan, an appraisal of our property at XXXX XXXX XXXX, XXXX, New Jersey, was obtained through an appraiser approved by NewRez. The appraisal, a copy of which is enclosed, reflected a value at origination of {$160000.00}. 

According to our XX/XX/XXXX Mortgage Statement, a copy of which is also enclosed, the principal balance of our loan prior to the XX/XX/XXXX payment was {$130000.00}. Therefore, our loan to value ratio from the inception of the current loan was less than eighty percent ( 80 % ) and no P.M.I. should have been required. Nevertheless, our payment history and mortgage statements reflects the following P.M.I. insurance disbursements from our escrow account : {$11.00} on XX/XX/XXXX, {$11.00} on XX/XX/XXXX, and {$14.00} on XX/XX/XXXX. 

To add to our confusion, on XX/XX/XXXX, NewRez wrote to us, in pertinent part, as follows : Dear Borrower, Under applicable federal or state law, you currently meet all requirements to terminate the Private Mortgage Insurance ( PMI ) for the referenced property. PMI is no longer a requirement for your loan, and you are no longer responsible for the premiums, payments, or fees associated with PMI. An escrow analysis will be completed within approximately thirty ( 30 ) days of cancellation to determine the new payment amount due. 

A copy of this correspondence is also enclosed. Nevertheless, notwithstanding XXXX written representations, a premium disbursement was drawn on our escrow account thereafter ( on XX/XX/XXXX ) in the amount of {$14.00}, which had increased over prior disbursements. The charge was reflected on our XX/XX/XXXX Mortgage Statement, which is also enclosed. 

We contacted NewRez by telephone both before and after the XX/XX/XXXX P.M.I. disbursement was processed in an effort to resolve the matter and be sure that no further P.M.I. would be withdrawn, but have yet to receive confirmation that P.M.I. has, in fact, been removed from our loan.
Product: Debt collection

On XXXX/XXXX/15 I requested Business and Professional provide validation for {$160.00} debt being reported to credit bureaus. As of XXXX/XXXX/15 I have not received any response in relation to my request.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX XXXXXXXX XXXX XXXX XXXX HAS 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: Money transfer, virtual currency, or money service

I did a transaction thru cashapp with an online fraudulent merchant minutes after transaction i was made aware that website was fraudulent i contacted cashapp to stop process and payment to fraudulent websit i was rudely hung up on XXXX different times when explaining to cashapp reps the situation i was denied to speak with any supervisor as well as any cooperation cont info they basically told me o well let the scammers scam even tho me as a customer of theirs are telling them to not allow this transaction they are indifferent to assisting me in any way i also know firsthand they have the authority to cancel transactions as i have been a member of cashapp for a while and iv had one previous similar experience a few months ago where they stopped an transaction and reimbursed my money
Product: Mortgage

Refinanced my house with XXXX XXXX XXXX XXXX and I am having a difficult time receiving my overpaid escrow money from the previous mortgage company, Roundpoint Mortgage Servicing Corporation. 
Timeline : XX/XX/19 Loan paid off by XXXX XXXX XXXX XXXX ( Per Roundpoint Online records ) XX/XX/19 Escrow Disbursed to Mortgagor ( ( Per Roundpoint Online records ) XX/XX/19 Check mailed to me - Per conversation with Roundpoint Rep XX/XX/19 Have not received the {$1500.00} from my escrow account. 

I have had this mortgage with Roundpoint for 4 years and have made every payment on time every month. I am concern that Roundpoint is attempting to retain my fund as long as humanly possible. I understand they have no incentive to pay my money expeditiously and as quoted by several of the representatives that, by law we at Round Point have 20 days to refund your escrow account. It is well pass those 20 days after the loan was paid off. I have called Roundpoint several times, but receive the same patent answers, the check is in the mail. 

The minor interest Roundpoint is receiving from retaining my funds may be small, but I am concern that f this same activity could be happening to a large number or all of the Roundpoint customers. And finally should Roundpoint pay me interest beginning on the 21 day along with my Escrow refund?
Product: Credit reporting or other personal consumer reports

I stayed around 10 days in a hotel close to XXXX, and at around third night, I left all my expired documents, credit cards etc to be destroyed since they are expired. But I just left for several hours for a small trip, the hotel maid either stole them or garbaged them. Later on I reported to Police, and whoever stole my documents immediately tried all my old credit cards, and at least 5 of them went through, not even counting those valuable stuff which are stolen. and after that, occasionally I got a fraud charge from my credit card. And some even happened on my newly applied cards or recently replaced cards. And they also applied some loans with my identity, on XX/XX/2023, I got at least 5 credit inquiries listed below which are fraudulent! I am trying to dispute them right now! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TOYOTA FINANCIAL SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been constantly calling the XXXX number for transUnion to be able to talk with a live agent to address my issues and I am not getting anywhere. I am doing all the right things and when I think Im going to get to talk to a live person it hangs up on me every single time this is been very frustrating. They should be answering the phones and dealing with their customers just like XXXX and XXXX does, I would really appreciate if this gets addressed ASAP. My Trans Union credit report needs to be updated. They have nothing but information that does not apply to me. I have been trying to update it and can not get anyone. Thank you.
Product: Money transfer, virtual currency, or money service

Today I went to Bank of America in XXXX XXXX XXXX XXXX to cash a check. I was told there was an {$8.00} fee to cash a check for non-bank customers. I explained I had XXXX accounts but did not have the credit cards with me. I was told I would either have to provide XXXX of the credit cards or write my social security number down on a piece of blank paper and give it to the teller so she could look up my accounts. I asked why my account could not be located with my name, address and phone number and was told I had to provide my complete social security number written on a blank piece of paper and give it to the teller in order to find my accounts ( there was no keypad I could use for private identification ). I then said I do not feel comfortable giving my complete social security number to a stranger and asked to speak to a supervisor. The suppervisor told me the same thing. I then said no problem I will pay the {$8.00} fee and was told.. Now that we know you are a customer we can not cash the check without your complete social security number. I left without my funds. This has happen on at least XXXX other occasion with B of A. I have now told the tenant I will not accept any further checks from B of A and to write me a new check for his rent. And I charged him a late fee because his rent is now late. I also closed XXXX of my B of A accounts. Bank of America is so worried their precious little {$8.00} fee which I believe is discriminatory against low income people. XXXX out of XXXX people or 8 % of the population is " un-bankable '' those folks are usually low income individuals. B of A is discriminating against low income people for their precious little {$8.00} fee. If they didn't have the fee I would not have had the problem I did today. The fee is bad for everyone.