23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX sold their accounts to this incompetent company. It has been nothing but a nightmare since. The first month, they sent me a statement saying what my payment would be with them. All that looked great, at first. Then shortly after I started receiving phone calls saying my account was behind. How could my account be behind when I havent even had my first due date yet??? I asked many times what the issue was and no one could answer my questions. Just that they can only see what was sent from tally I NEVER missed a payment with XXXX. In fact, I dont have any missed payments on credit report. So I paid a normal payment to them just to get them to leave me alone. Then again, a few days later Im getting calls saying XXXX XXXX something behind with them. AGAIN, how am I behind when I just got transferred to you all and I have already made a payment??? So I talked to probably about XXXX people asking what the deal was, no one could answer me. XXXX time I would get on a call and they said oh your account is fine then another person would say oh its behind but couldnt explain why. I started to question the legitimacy of this company and was very weary of giving them anymore money. Especially when they couldnt explain what they had on file of why I was behind with XXXX. When I never was!! A week ago, they reported a late payment on my credit report!!! I called them, outraged. Asked to speak to a supervisor and stayed on hold for XXXX minutes. I finally talked to someone and he was very rude at first. I paid them literally almost XXXX dollars just to shut them up about the money I owed which I didnt. I explained the full situation to him, he finally seemed to care a little and said he would take the extra step and send my information to the credit dispute department. And to call back in a few days, I did that and then called a few days later. They said oh call back in another few days it STILL has not been fixed and they are rejecting my dispute. If this does not fix my problem, I will be contacting an attorney. They should not be able to report me as late, WHEN THEY CANT EVEN FULLY EXPLAIN WHAT XXXX FALSELY REPORTED TO THEM APPARENTLY. funny how I never had this issue with XXXX. This company has TERRIBLE reviews across the board and every person you get on the line can barely speak English and is rude from the get go. Something needs to be done about this scam of a company. I want this FALSELY REPORTED information off my credit IMMEDIATELY!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Equifax on XX/XX/2023 but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

XXXX XXXXXXXX
Product: Checking or savings account

I deposited a check into my personal account on XX/XX/year>, but the check was issued in my business name. Unfortunately, my accountant failed to properly open my business account until XX/XX/year>. As a result, Chase placed a hold on my account, suspending all activity, including the other funds unrelated to the check, such as those in my joint account with my spouse. This hold has affected our household income, causing significant hardship and potentially violating several Florida consumer protection laws. 

In particular, this situation may violate : 1. Florida Statutes 655.85 : This statute addresses the unlawful withholding of funds and requires financial institutions to follow specific procedures when placing holds on accounts. 

2. Florida Statutes 501.204 : Part of the Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ), this statute prohibits unfair or deceptive acts or practices in the conduct of any trade or commerce, including in banking. 

3. Florida Statutes 687.0304 : This statute relates to the fair treatment of consumers by financial institutions, particularly concerning the availability of funds and transparency in communication regarding account holds. 

4. Federal Reserve Regulation CC : While not specific to Florida, this federal regulation governs the availability of funds and the disclosure of hold policies by banks. It requires banks to make funds available within certain time frames and to provide clear communication about any delays. 

The check has already cleared the issuer 's bank, my company is now officially registered, and yet the bank is still refusing to release the funds from the check and lift the restrictions on my account. If the bank was unable to accept the check, they should have declined the deposit, rather than accepting the check and freezing the other funds in the account. This continued hold not only exacerbates the financial hardship but also raises serious concerns about the bank 's adherence to both state and federal consumer protection laws.

Upon speaking with a Chase bank manager and escalating the issue with customer support, the representative advised that it is not their responsibility to provide updates on the account hold. They indicated that if I want a case update, it is my responsibility to call back and inquire about the hold at ( XXXX ) XXXX. This response has added to the frustration, as it places the burden of follow-up entirely on me, despite the significant impact the account hold is having on my household 's financial situation. This situation underscores the lack of proactive communication and support from the bank, further complicating the resolution of this issue. 

I request that the hold and suspension on my account be lifted immediately. The funds from the deposited check have cleared, and my business is now properly registered. Additionally, the unrelated funds, including those in the joint account with my spouse, should not be impacted by the hold. The continued restriction is causing significant financial hardship, and I seek the prompt release of all funds and restoration of normal account activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had been told by credit card company this would come off my credit report with all credit bureaus and will no longer be on my closed accounts. 

capital one XX/XX/XXXX closed XX/XX/XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" 60 Days Late '' reported in XX/XX/XXXX on my Credit Report is incorrect. 

After Hurricane Irma that passed through XXXX Florida in XX/XX/XXXX, banks were offering homeowners " Federally Declared Disaster Forbearance '' on their mortgages and Ocwen Loan Servicing, LLC was included. Upon my request, Ocwen deferred my mortgage payments for XXXX, XXXX, and XX/XX/XXXX, until XX/XX/XXXX. As requested by Ocwen, I started making my mortgage payments on XX/XX/XXXX and continued monthly until present. During the interim, in XX/XX/XXXX, Ocwen instructed me to complete a request for a loan modification which wasn't approved until XX/XX/XXXX. However, I did not like the terms of the modification so I declined to sign it. On XX/XX/XXXX an Ocwen 's relationship manager then requested full payment of the outstanding balance of {$7100.00} which was the deferred monthly payments for XXXX, XXXX and XX/XX/XXXX. I felt that Ocwen demanded the 3-months "  deferred '' payment in full due to my declination to sign their modification agreement. On XX/XX/XXXX I paid the {$7100.00} to Ocwen bringing my mortgage account current. 
After requesting and reviewing my credit report, I saw that Ocwen had negatively reported false data to the Credit Bureaus. Based on the Forbearance Agreement approved by Ocwen, those three months " deferred '' payments should not have been reported as late payments. That Forbearance Agreement should still stand whether or not I accepted their Loan Modification.
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX : XXXX XX/XX/XXXX XXXX Acct : XXXX {$4500.00} Experian : XXXXXXXX XXXX XX/XX/XXXX XXXX Acct : XXXX {$4500.00} XXXX : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Acct : XXXX {$4500.00}
Product: Credit card

I purchased airline tickets using American Express Gold Card, co-branded XXXX XXXX. The website says I would get XXXX points ( Membership rewards ). https : //www.americanexpress.comXXXX Then I noticed I only got credited for XXXX instead of XXXX. I called American Express and they said it was because I have the " XXXX XXXX Card '' not the normal Gold Card. I asked where on the website it said this, and they could not provide any information. The agent said that that information is in the cardholder agreement. So after I got off the phone, I downloaded the cardholder agreement, and it does n't mention Membership Rewards AT ALL. So at this point, I got bad information from the website, followed by bad information from a customer service representative! 

It is of course possible that I was mailed something in the past describing this, but I do n't recall it. I think it is deceptive to have one thing on the website, and then do another, and I also think that card companies should be required to make the details of these point programs available to cardholders online. 

I love American Express as a company, and if the agent had offered to take this up the chain vs. contact CFPB, I would have done that -- I told him that I was going to download the agreement, and look, and if the information was n't there, would contact CFPB. I asked him whether he was certain the information was there on the points accumulation -- he said yes.
Product: Vehicle loan or lease

XX/XX/XXXX, I offered XXXX XXXX XXXX an application for a XXXX XXXX XXXX XXXX for {$20000.00}. XXXX XXXX XXXX accepted my application and used the credit card information listed. They then asked me for a substantial down payment for a credit transaction. XXXX XXXXXXXX, the locations Finance Specialist, mentioned the Truth In Lending Act stating any private information given to the branch is to be held for 7yrs. The Truth In Lending Act also states that the finance charge shall be determined as the sum of all charges payable directly or indirectly by the person ( natural person or an organization ) to whom the credit is extended and imposed directly or indirectly by the creditor as an incident to the extension of credit. I literally extended, according to the Truth In Lending Act, two of my credit cards to an organization for the purpose of obtaining personal property. It was I who extended the initial credit. XXXX XXXX XXXX failed in their responsibility as a financial institution or an institution-affiliated to borrow the funds/credit ( redeemable from Federal Reserve Notes ) XXXX I asked for my application back as it yielded me nothing but heartache and new inquiries onto my Consumer Report, none with my permission which is illegal. Refer back to what XXXX XXXXXXXX said. I asked for the banks that also used my information ( 5 total excluding XXXX XXXX XXXX ) while I did not benefit at all. XXXX XXXX was polite enough to indulge my request. He then gave me XXXX XXXX XXXX adverse action letter. I asked XXXX XXXXXXXX if he could show me where in the Truth In Lending Act it stated private information must be kept on file for seven years, he responded by saying he wasnt a lawyer. They are all guilty of Unauthorized Use. 

I then called Westlake Financials Analyst XXXX XXXX. He said he couldnt do anything for me and he only deals with the dealership and said not to call him. I get it. But hes the Companys agent who personally saw my information, used it, and gave me nothing for it.
Product: Credit reporting or other personal consumer reports

I have been getting denied credit from many sources due to inaccurate accounts. Accounts being duplicated on credit reports and sold off to creditors with no bonding insurance to collect remaining balances using harrassing tactics. I have had balances reported differently on all reports. Dates opened different on all reports, accounts being illigally reaged. All just to dispute but credit agencies have been reporting verified. That is against the laws and have hurt my credit and affected myself in many ways.
Product: Credit card or prepaid card

I would like to consolidate one business credit card and two personal credit cards into just one account ... of course taking the two credit limits from the two cards that will be closed and putting into the one card that will remain open.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My sister received a voicemail of a civil complaint towards me regarding a debt. I called the Company XXXX XXXX XXXX XXXX on XX/XX/2019. I set up a payment schedule for a debt of XXXX through XXXX XXXX XXXX. I have signed a contract which I regret doing.
Product: Checking or savings account

I tried to contact deposit my work check from the XXXX XXXX XXXX. They held the funds for 7 business days even after going into my local branch and calling truist call center. I verified my identity and my job. After sending all this information. They said there is no way to contact the investigator, we would just have to wait for their review date. When I called at the end of the review date I found out they extended another day when no description of why. At this point it feel like retaliation for calling and questioning their action. Now they have my initial check of {$1300.00} and since they locked my account they also have my {$190.00} overtime check with another paycheck coming on the XXXX. I first deposited the check on the XXXX they said the hold would be lifted on the XXXX. Now its the XXXX with no answer, they just told me to call back later.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Says Income-Based Repayment Plans Cancelled. Student loan servicer XXXX has been hit with a class action lawsuit alleging the company improperly cancelled income-based repayment plans for borrowers.XX/XX/XXXX XX/XX/XXXX- Since the start of XX/XX/XXXX, at least 19 retailers and consumer companies were hacked and likely had information stolen from them. Many of these breaches were caused by flaws in payment systems that were taken advantage of by hackers. Retailers who suffer data breaches risk losing ...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year>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 XXXXXXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I find out new collection account in my credit report with XXXX. 
Account name NATIONAL CREDIT SYSTEMS, account number XXXX, account type : COLLECTION Original name : XXXX XXXX XXXX XXXX, date opened : XXXXAmount {$150.00}.

I have never had any dealings with this company. First of all, I asked them to provide proof that this debt is mine, and they failed to do so. If they can not verify my information, please remove this account from my credit report immediately. I am aware that such requests must be addressed within 30 days. 
If they can verify that this account belongs to me, they should provide the following : the method of verification, the original contract with my signature, and my SSN. Only with such evidence can this account be verified. 
However, I am confident that they can not provide this information because this is not my debt. 
Please REMOVE THIS ACCOUNT from my credit history as it is significantly damaging my credit score.
Product: Money transfer, virtual currency, or money service

You have authorized a payment of {$110.00} USD to ( ). Money won't leave your account until processes your order.XX/XX/XXXX, XXXX XXXX PDT Receipt XXXX Hello XXXX XXXXXXXX This charge will appear on your credit card statement as payment to PAYPAL XXXX. 

Save time with a PayPal account Create a PayPal account and save your payment information. You won't need to enter your payment information every time you shop online. 

table.callToAction td { background : # XXXX url ( http : XXXX XXXX left 17.5 % repeat-x ; } .callToAction { XXXX! important ; } Sign Up Now Shop with confidence We keep your financial information secure. 

Transactions monitored 24/7 Our fraud specialists help protect your account.

You're protected Zero fraud liability for eligible unauthorized purchases. See eligibility Merchant information : Instructions to merchant : None provided Shipping information : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX United States Shipping method : Not specified DescriptionQtyAll the items in your shopping basket ( see details in the store and on your store receipt ). 
Item # : XXXX XXXX XXXX XXXX : XXXX Please keep this receipt number for future reference. You'll need it if you contact customer service at or PayPal. 

Help XXXX XXXX XXXX Massachusetts Division of Banks, ( XXXX ) XXXX, http : //www.mass.gov/dob, PayPal holds a Foreign Transmittal Agency license with the State of Massachusetts - License Number XXXX. XXXX XXXX : XXXX. 


Please don't reply to this email. It'll just confuse the computer that sent it and you won't get a response. 

Copyright XXXX PayPal, Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

PayPal Email ID XXXX - XXXX I ordered item on XX/XX/XXXX I paid tbrough website and yet it says PayPal. I never received item company wont respond and paypal says they are not involved.
Product: Money transfer, virtual currency, or money service

i submitted a payment to XXXX XXXX  located in XXXX MS . I purchased a used refrigerator for {$550.00} on XX/XX/XXXX.On XX/XX/21 I moved into my home the refrigerator did not work.I contacted the vendor he stated he was coming out to repair the refrigerator but he has not and has not returned phone calls or texts. I reached out to CashApp but they state they cant do anything about the situation and just request a refund from the vendor. ive requested a refund but the vendor has not responded. i have reached out to CashApp several times relating to my refund but no response
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX 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 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 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 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 XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I sold an item on XXXX  and collected payment via PayPal. The buyer of the item claims the item was purchased on the account fraudulently after I had already sent the buyer the item he purchased. PayPal took the money from my account and returned it to the buyer and allowed him to keep the item. I find it highly unlikely that someone was able to fraudulently access both the buyer 's XXXX  and PayPal accounts. PayPal claims they offer seller protection but none was given in this case.
Product: Student loan

I have been paying on this loan for over XXXX years. The interest rates keep increasing and I have paid off more than what I originally owed. I requested a settlement amount they denied it.
Product: Mortgage

Truist Bank purchased my mortgage. I am receiving spam e-mails daily that do not have an option to unsubscribe. I have called to directly request removal from their e-mail list but they can't seem to figure out how to remove me. I am done wasting my time on hold trying to get this figured out. Banks with such poor service should not be in business.
Product: Checking or savings account

On XX/XX/XXXX I received a series of emails from Bank of America stating congrats on your new account. Unfortunately I was not aware of this new account. Then the next day I received an email from CFPB making the public aware of the CFPB Fines XXXX XXXX  {$37.00} Million for Illegally Exploiting Personal Data to Open Sham Accounts for Unsuspecting Customershttps : XXXX # _=_ publication was I did not open an account, it was fraudulently opened without my consent... I'm not sure what this will do to my credit future