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

Not certain if this is the correct form. It fell between categories. 

Experion, though their boost program, is supposed to help you raise your credit score by linking to your accounts then reporting your payments. They lied, it's a scam. 

In my about 20 days as a member, I have had nothing but problems with them staying connected. They haven't reported anything like they're supposed to. They keep 'losing ' or 'disconnecting ' one of my accounts to the point where it locked up my original account with that provider. I have been disconnected at least 10 times, I quit counting after the day it happened four times in as many hours.

When I contacted them about that, they sent me some automated response about how they weren't connected to every bank yet and they'd look into it. Which they did not since by the next morning I had to reconnect that same account. 

They *claimed* it's on the other end, that the bank updated their security or you changed your password the second and third time I tried to contact them about this issue. Neither of which is true. The one time I had to change my password - because logging in to reconnect locked that account - I did finally get it to reconnect for all of XXXX hours. Then it was lost again. They have made no effort to report anything on that account either. They claim they need at least 3 months of payments when I asked customer support about that. I have 8 years of payments on there. Not a single one has shown up as reported. 

They also say they can link into another credit account of mine and supposedly, somehow, can't connect to it for those same 20 days. 

They also try to sell you on signing up for various credit cards, which will end up hurting your credit score so you need them even more, and you can not unsubscribe from those emails. I have tried, three times, and it will not take the unsubscribe. I have connected them on both matters. Their customer support is vaguely hostile with the way they do not pay any attention to anything you've written to them. I'm not sure if it's one of the automated responses or not but I get form letters about nothing relevant.

In the last day and a half I have exchanged seven emails with them about the connectivity issue. It should be easy to fix on their end. I have gotten what looks like automated responses about everything *but* what I've written to them about. Their phone customer service has nothing to do with boost, they're just there to ask about things in your credit report.
Product: Checking or savings account

I applied for a credit karma account to receive my tax refund. This morning XX/XX/XXXX I log into my account and it states that its closed. I contacted credit karma and they stated they couldnt tell me why my account was closed and would forward me to they specialize team. Ive never reciprocated any information as to why its being closed.
Product: Credit card or prepaid card

I filed a dispute with the credit card company in question regarding a purchase of a defective product. Credit card company supposedly investigated my issue in 2 days. I am not satisfied with the outcome of their investigation and requested and appeal to the decision. The bank in question is refusing to reopen the investigation so I can appeal their decision.
Product: Mortgage

My mortgage is with Pennymac. Recently my monthly payment was increased due to increase in insurance. Pennymac is also sending me a check for an escrow balance beyond what I owed. Pennymac will not apply any surplus to my account. I have had no issue doing this with past mortgage companies. By not allowing this extra balance to pay ahead by the time my 30 year loan is finished I will be paying over {$1000.00} extra which delays my loan payoff by 2 additional months. This practice is deceptive and a way to squeeze additional interest out of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX - XXXX
Product: Checking or savings account

I am a veteran of the XXXX XXXX XXXXXXXX and have been a loyal customer of XXXX XXXX since XXXX. I believe my account XXXX be part of the overdraft fee issue, and I kindly request that you review it. My direct deposits include income from thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX paycheck. I believe these factors should be taken into consideration when assessing my account. Thank you for your attention to this matter.
Product: Checking or savings account

I had trouble sending money to my account so I XXXX for cash app later to realize my account was drained and it was not cash app it read as follow Cash App sending limits after verification. 
Once you have verified your Cash App account and successfully increased your limits, it is essential to understand the sending limits that apply to your account. After verification, XXXX ( XXXX ) XXXX Cash App allows you to send up to {$10000.00} per week and {$1000.00} per day.XX/XX/2023 This is a scam posting
Product: Credit reporting, credit repair services, or other personal consumer reports

Moved to  XXXX  for work. In  XXXX  I noticed my RV payment was not taken out of my acct. Called PNC Bank. Said the payment went back in  XXXX . No payment since. So they let me catch up payments,  XXXX  . And back on payments. Been pulling payments out since then. Put on my credit that acct is closed and wrote off. Credit went down   XXXX   pts. Had our mail transferred to daughters house. No letters, emails or phone calls to let us know there was a problem. Just would like my credit fixed as we have never been late in 10 yrs. please help me. Thank you
Product: Mortgage

This is the letter that I sent to XXXX bank & Loancare : I am writing this statement to you explaining what happened with Loancare starting in XXXX ended XXXX of XXXX. 
I XXXX XXXX XXXX have NEVER been late with a mortgage payment. I am/have been disputing this. I have been requesting a hearing for two years with Loancare and as of now no reply. NOTHING. I have sent letters and Emails to no avail. I was disputing not only an escrow increase issue, but an issue since XXXX that Loancare should not have control of my taxes & insurance. I was in touch with them back then, they said they were working with me because I was trying to re-mortgage. I made it clear to them that my Mortage payment would not include the increase for the escrow. 
Once my mother-in-law took sick, I asked for some more time. After that our conversations got heated. Four times Loancare reps called me on private lines. They laughed at me, accused me of making up stories hung up on me. I did not find out they ruined my credit until XXXX of XXXX. Since then, I have called several times to get my credit fixed. XXXX XXXX reps call back, not one call back from Loancare themselves. In my research I have found out that Loancare had a management shuffle. I call it a house cleaning. I have asked, demanded to talk to those two employees in a XXXX meeting, nothing. In almost XXXX XXXX years Loancare has refused to call me back. NOT ONE return call after I talked to the reps that answers the phones. Why? They can not dispute my claim because the employees are AWOL. Permantally! I lose! 
In almost 50 years of Mortgages & loans, I have never been so upset, insulted, and laughed at like I did with two of their employees. Loancare should be embarrassed. 
This all stems from my complaints after closing on a loan XXXX. That is exactly what I have accused them of ever since. Each and every time I have called. I have stated this was a Fraud loan. That was Then. Now at 4 %, they are stuck with me. By the way XXXX management, XXXX Mortgage closed. The mortgager & his manager both filed XXXX XXXX XXXX shortly thereafter. They close one mortgage, in ten months, mine, then closed the doors lying & misleading me all the way through it!! 
I have accused them of this several times, I threw in the towel fighting corporate America in XXXX of XXXX. 
End result, two employees because of personality conflicts with me INTENTIONALLY ruined my credit. Since Loancare has new management, I have no proof, I have paid dearly. 
You serviced two personal loans to help me pay-off moneys that mostly should have been paid off in XXXX. I am never late with payments. Double when you deduct them like you will one LAST time with this loan, please. 

That folks, was the short version. Any questions from anyone, please call to ask me anything you like, unlike Loancare I have NOTHING to hide. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple addresses where I don't live anymore are still being reported on my credit : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I would like these removed. 

My brother : XXXX XXXX is being reported on my personal credit report. Please remove him. 

My brother 's credit card he opened is being reported on my report, as well as hard inquiries. Please remove this account creditor : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX Date reported :XX/XX/2019
Product: Student loan

I've signed up with Ameritech Financial since 2016 and been making payments every month. I received a letter last XXXX stating that the company was closing. I paid at least XXXX grand towards my student loans just to take notice that my payments weren't even going to my loans. Now I lost all that money I paid out to start all over again on loans that I could have maybe been finished with paying off. This is really not fair and too much money has been wasted. I would really like my money returned to pay towards my loans.
Product: Credit card or prepaid card

This is in regards to XXXX and not the issuing bank of the credit card. 

Back in XX/XX/XXXX I purchased a vacation package to XXXX fro {$1500.00} to fly in XX/XX/XXXX ; however, COVID-19 forced me to cancel it. I immediately tried to call them but after being on hold for 2 phones to get an agent the line would disconnect or you couldn't even get through at all. I tried this for the next two weeks to get in touch with them. After a month ( XX/XX/XXXX ) of trying to get in touch with XXXX I filed a dispute with my bank in XXXX. They gave a temporary credit for the amount while the dispute process went back through. Since that time they stated that given XXXX 's requirements the dispute had to be closed and the amount was charged back to my account and to work with XXXX to get my money back. So I have now been back in touch with XXXX and they agreed to credit back a portion of the amount back to my card. I have confirmation email from an agent showing the amount they will credit back to my card but then when it gets to their back-end processing agent I get emails saying that they will not do a refund because I have filed a dispute. I have provided them screen shots and verification from my bank that my card has been credited back the amount of the full purchase price and there has not been a refund applied to the card. They continue to say " have you spoken to your bank '' and I have spoken to my bank ( XXXX XXXX XXXX XXXX in XXXX XXXX, SC ) who then called their processing agent and no one can find this supposed credit they said they gave me and I clearly was charged the full amount of the dispute back. I am still trying to get the money back for the amount they have process and this has been taking over 2 months. 

I have called and been left on hold for over 1.5 hours after getting an agent then who came off of hold to play with their child for a bit before realizing that I was no longer on hold and then put my back on hold. After that I went back online to talk with their agents who either confirmed I will get the prorated portion back ( around {$1000.00} dollars ) but then get an email saying I won't because of the dispute or that they have said they already issued the refund back to me for one of the three charges. 

They are refusing to provide any confirmation numbers of the date of times of when they issued the credit and are trying to place the blame on my bank. XXXX already has had a class action lawsuit against them due to their lack of providing refunds and I fear they are back to their old ways again. I can provide y'all with any confirmation statements, emails, screen shots of messages between me and XXXX that you need to help escalate this further. I have attached a zip file to show the most recent communication with XXXX.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I sent a letter to Bank of America which according to USPS Tracking # XXXX XXXX XXXX XXXX XXXX they received on XX/XX/2018. In the letter I asked them to validate & verify a debt they are reporting on 2 of my credit reports ( XXXX  & XXXX ) according to the FCRA. However I never received a response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX act # 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 sec 2. It also states a Consumer Reporting Agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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. XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2022.
Product: Credit card

Comenity is the card provider for XXXX XXXX. I set up autopay on XXXX XXXX site. I did not charge any purchases for a period of time. When I did, I expected the auto payment would pay the balance in full. It had been turned off- not by me. 

Comenity is indicating XXXX, my bank, has a stop payment on payments to Comenity. XXXX has no record of any stop payments and sees no indication of any request for payment being declined- to anyone, including Comenity. 

I filed a complaint and requested Comenity provide proof of the stop payment or payment being rejected by XXXX. Comenity did not -- hey simply stated the payment did not process. They have not verified that it did not process because of their procedures relative to their auto payment tool and system settings that would have the election go dormant after a period of time. I was charged multiple returned check fees because they said XXXX had a stop payment. XXXX indicates there was no stop payment in place. The account had plenty of funds to cover the full balance and I have overdraft protection so there is no reason on XXXX 's side for the payment not to go through. Payments had been made previously without issue until there was a break in purchasing activity. 

I closed the account and paid the balance in full. Comenity sent me a refund for the overpayment which resulted when they refunded one fee. I somehow now have an outstanding balance on an account that was closed- no new activity- but there's {$7.00} due on an account paid in full and closed. 

My initial complaint was NOT to request a refund of fees -- Comenity did not read my complaint, they simply assumed I wanted fees refunded. Please actually read my statements ( Complaint XXXX ) and understand I am not requesting a refund now. I'm asking you to review the autopayment process and provide evidence of the payments being declined by XXXX. I believe the payment never left your system because my auto-pay had been disabled due to nonuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  Inquired on XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX and XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I DONT KNOW WHAT THESE ARE AND DIDNT DO THESE XXXX XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX Inquired on XX/XX/XXXX - TRIED CALLING XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XX/XX/XXXX - TRIED CALLING XXXX XXXX Inquired on XX/XX/XXXX - TRIED CALLING
Product: Checking or savings account

In XX/XX/2020 I opened a saving account at Discover bank, my opening deposit was a wire from my brother on a mortgage payment he owed me. The deposit was {$7700.00} everything was fine the bank allowed me to spend off about {$1100.00} of it. Then for some reason about a week later, and for reason they refuse to disclose, the account was frozen. I was told at the time that I would have to have my brother reverse the wire. Well the account balance was then much less, and the transaction had already settled. It was not possible for the wire to be reversed a week later. Then some months later they told me I would have to wait for the time frame to expire, and thus it would be given to State Unclaimed Property Division. I would be able to claim it that point. 

To this day Discover Bank has held my legitimate deposit and funds to no avail. I have submitted countless documents proving the funds and any other reason I could think of to satisfy this unknown issue. To this day I still get yearly interest statements and I want this resolved and my money out of there custody. They will not even talk to me about the issue and act very very strange while on the phone. Over the years I have contacted them at least a dozen times regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted equifax and XXXX  on the chapter XXXX bankruptcy that is currently on my credit report. They told me that the public record can not be remove from my credit report file. The Chapter XXXX bankruptcy has been discharged and should have been remove from my credit report. They are telling me that they have to wait on the XXXX XXXX Court to tell them to remove the Chapter XXXX bankruptcy. The court is telling me that they only deal with filing and discharge on the case. I am needing this remove from my report do to it is over 7 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to Experian that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Product: Prepaid card

I was issued two American Express gift cards by my company, one for {$200.00} and another for {$50.00}. I have attempted to use these balances at XXXX, XXXX, and XXXX, all for charges less than the balance of the cards. I have had each transaction declined by the vendor. I have tried to call the AmEx customer service number to figure out why the cards have been declined, but there is no one available to speak with. Having looked online now, it seems that many others are having the same issue with being completely unable to use these gift cards for online purchases.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX charged me {$440.00} for car towing and key replacement on XX/XX/2022. THE CAR WAS NEVER TOWED AND THE KEY WORKED UPON MY RETURN. I disputed the claim to American Express on XX/XX/2022 and they decided in XXXX 's favor even though : 1. The services XXXX charged for DID NOT HAPPEN 2. NO DOCUMENTATION SUPPORTING XXXX 'S CLAIMS CAN BE PROVIDED ( e.g. receipt for towing -- the burden of proof is on XXXX to prove that these fictional services actually happened rather than me having to prove that they didn't happen ). 

As a matter of fairness, I request that the charge for {$440.00} be refunded to me. 

Thank You For Your Time, XXXX XXXX and XXXX XXXX
Product: Debt collection

I 've sent numerous request to this company via certified mail requesting proper validation for a debt that they claim I owe them. Each time the company has ignored my request for validation and sent me a summary of a bill. I have with the company that the FTC opinion letter on itemized bill. However, they have yet to provide me with any documentation showing that I have any type of agreement between me and the company. Furthermore, when I first contacted this company with my dispute, they failed to mark it disputed with the credit bureaus with the allotted 30 days as required by the FCRA & FDCPA. After doing research with the court systems on this company in my state, which is Texas, I found that this company have had many complaints filed against them, and have bought suits against many consumers without having a " consumer agreement '' stating that money is owed to them by the consumer. I have also requested a copy of such agreement from this company, and I have been ignored. I am not obliged to pay a debt buyer who ca n't validate a debt properly or fail to communicate properly. This company is known for using bullying tactics on consumers in order to scare them into paying a debt that they do n't owe to them. I am attaching copies of my correspondence with them, and their response that they have continued to send me. Please be advised that the copy of their response that you are receiving is what they have continued to send to me ignoring my request for other information.
Product: Credit card

Hello, I made a wrong balance transfer to Bank of America credit card and to correct that they issued a cashier check. But that check was never received by me or the institution ( XXXX XXXX ) which did the balance transfer in first place. 
Now bank of America is quoting ( Funds have been withdrawn ). I havent received the funds and neither has my institution ( First tech ). 
Bank of America is not filing a claims case / is not helping me locate the funds and issue a new cheque. 

They are not sharing the image of cheque/ account number where money was sent / address where it was sent. 
I have called them 20 times and every time they end up disconnecting without any resolution. 

My funds are stuck/ lost for no lost of mine.