23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I Applied For A No Credit Check Loan With Acima To Have Repairs Done On My Car Back In XXXX Of XXXX. However, This Company States On Advertisement No Credit Check But They Reported This Loan On My XXXX Credit Report Which I Wasnt Aware Of Until I Pulled My Credit Reports. Ive Used No Credit Check Companies In The Past And Nowhere Did They Ever Report To Credit Bureaus As Advertised No Credit Check. Also, I Caught XXXX Twice And This Company Has Milked Me Out Of Tons Of Money Every Time I Had To Change My Payment Dates They Increased My Payment Weekly. I am a retired single woman and Had To Stop Making Payments On This Account As Of XX/XX/XXXX Because The Representive Never Told Me I Had To Now Pay {$110.00} Per Week Until My Lease Is Up As Of XXXX of XXXX. These companies Shouldnt Be Allowed To charge consumers all this interest On items as they do if the items isnt paid off within 90 days but a reasonable Amount Of Interest Sounds Fair. I stopped payments with my bank as of XXXX of XXXX because after they reviewed the call, they realized the Representive didnt inform me of the increase payments for like the 3rd time that I had to change my payment due dates.
Product: Checking or savings account

Capital One 360 Performance Savings interest rates promised, are not accurate.
Product: Debt collection

On XX/XX/XXXX at approximately XXXX, a man called from XXXX to tell me that he was offering me a settlement on a loan. I called him back and asked who the loan was from and when, but he just said it was " a personal installment loan company '', then kept reading some kind of script. He initially sounded like said he was with XXXX XXXX XXXX and that Global Processing Services him enlisted to mediate a settlement in the amount of {$370.00} plus a {$13.00} processing fee. I asked for documentation. He said that in XXXX, they sent a letter to me at an address I haven't lived at, in a state I haven't lived in, since XXXX. He said it was charged off in XXXX. He said if it went to court it my wages would be garnished, so give him a credit card today for the {$370.00} and that since the creditor sent the letter to the wrong address, he would waive the {$13.00} fee. I told him I had to wait until XXXX, and he said he had to take a card number but settled for the last four digits ( which I will be getting another card now ). He put me on hold for some kind of verifier to talk to me. During that time, I called XXXX XXXX 's office from a different phone and the receptionist stated that I was not in their system for any mediation, then the verifier got on the phone and stated his name is XXXX XXXX, I asked the receptionist if he worked there, and she said no and not to give them any more information. I told the man that I didn't believe that they were legit and hung up. XXXX called me right back from XXXX saying he got a message that I ended the call ( but he called way too quickly to have gotten a message ) and I told him about my call. He then said he was XXXX XXXX and that he was with Global Processing Services. I asked him for a verification letter to be sent to me, he said I couldn't have it until I paid. He said he did an NCIC search on me ( yet they still had a XXXX XXXX XXXX address for me ). Then he said since they sent me a letter ( to a very old address, my address is current on my CRs ) and I refused to cooperate, now {$1800.00} will be put on my credit and that I can either dispute it, pay it, or have my wages garnished. I told him if the debt is legitimately mine then I want to pay it, but I need to see the docs. He screamed at me " do you want to do this or not ''. I told him he could speak with a bully voice all he wanted but I have a right to see the letter. He said something and hung up on me. XXXX XXXX XXXX XXXX 's live chat agent stated that they believe this company to be a scam and suggested that I report this to Consumer Finance.
Product: Debt collection

Hunter Warfield has repeatedly added the same account to my credit report damaging my score. They say I owe for the month of XXXX but my lease ended in XXXX and my keys were turned it. They ( XXXX and the rental property ) have no move out notice or form for my keys being turned in. I have repeatedly had this removed from my account over the past XXXX years. I have been left homeless by these people but they will not leave me alone. They are robo calling me from local numbers and when I call back they are a random persons number not a company.
Product: Checking or savings account

XX/XX/2020 I opened a Citibank account online so I could access a XXXX payment of XXXX $ from a friend and cash out XXXX $ from a XXXX XXXX. I mistakenly tried to send a wire twice which resulted in a block on my account. I didn't think this was a huge issue but when I called they refused to tell me how to unblock my account as instructions had been sent in a " letter ''. I explained that the " letter '' had been sent to the wrong address. They refused to send another stating " we only send one ''. I called again after some digging online to find out what that letter may have said and explained that if my identity verification was all that was needed, I'd be happy to send that document but they refused to say what secondary documents may be needed. They said the account had been moved to closure and verifying my ID wouldn't help, it was over, nothing they could do. The remaining balance would be sent to my address after closure in about 30-60 days. 
Months later, the account was still open. I requested it be closed or that find a reasonable way for me to verify my identity to remove the block so I could access funds ( I live 12 hours away from a branch ) they said they would move it to be closed immediately. 
First week of XXXX I had an appointment with a personal banker who assured me the account would be closed within days and funds sent to the address on file. No further action needed. 
But then last week I was distraught to find the account was still open and still blocked. I called several times before I was connected to a very rude " specialist '' who said that even if they closed the account, the money would be held by them indefinitely because it had not been " verified '' meaning I had not ( or as she said " the account holder '' ) proved the money was mine before opening the account. That in order to verify the money belonged to account holder, I'd have to contact employers, friends, XXXX or anyone that had given me money to start the account. I had no idea what she meant, I have never heard of having to verify that money is mine before using it to open an account? She refused to explain further and lied staying that I'd be given a call at a later date. 
As of now the money ( about XXXX $ ) is still sitting in this blocked account. I've been promised countless times that it would be refunded at account closure but they refuse to close the account even after 7 months of inactivity. I was told I have no recourse. They have ruined me.
Product: Debt or credit management

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX will investigate this account for me to ensure accuracy Here is the account I am asking to you to verify as accurate : Navy Federal XXXX
Product: Mortgage

I'm a XXXX XXXX XXXX veteran and I have applied for a mortgage loan with Navy Federal Credit Union. My closing date was XXXX XXXX 2019 but due to the level of negligence, disregard, and a complete lack of care at NFCU, my mortgage closing date is unknown at this moment. Their loan officer did not submit my paperwork on time to the VA, did not communicate with me, lost my paperwork, and now I'm stuck in the process. 
I have tried to contact my loan officer at NFCU hundreds of times via phone calls, emails, voicemails and she never even responded to a single contact-attempt. I only got a hold of her supervisor who explained to me that they're unaware where my loan file is.

Navy Federal should not be allowed to do business in the US because they're incompetent and unfit to serve its customers.
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a discrepancy I have observed in my credit report with your bureau. It has come to my notice that there are late payments inaccurately reported on an account, while the same issue has been successfully rectified with another credit bureau. I was the victim & Im not sure why the CRA is not complying with the law.

I recently compared my credit reports from various bureaus and was pleased to find that the late payments in question have been successfully removed or corrected by XXXX. However, to my dismay, the inaccuracies persist in your credit report, and this inconsistency is causing significant concern. 

XXXX XXXX XXXX  - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX  customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand that discrepancies can occur, but it is essential that the information across all credit bureaus is accurate and up-to-date. The persistence of these inaccuracies with your bureau is both perplexing and troubling. 

I appreciate your attention to this matter and trust that, like XXXX, your bureau will also take the necessary steps to ensure the accuracy of my credit information. A consistent and accurate credit report is crucial for maintaining financial integrity, and I believe prompt action on your part will resolve this issue satisfactorily.
Product: Checking or savings account

I got stuck in XXXX XXXX because of Covid 19. I opened a bank account last year with 5/3rd Bank Corp prior to leaving where I was promised that the account would work without any issues.

Hence forth this has been the furthest from the truth. Because of antiquated and outdated systems 5/3rd blocked access to my account some 11 months ago online and caused numerous problems with. There is never a way to determine if there is theft or fraud - and often I have to hold at least 30 minutes to an hour. 

On XX/XX/2020 I was expecting my account balance to be over {$1000.00} more than it was. Alarmed I contacted the bank only to find out over the past year there was a variance of small but meaningful fraudulent charges that added up to a minimum or {$680.00}. And caused many NSF fees, at the point of discovery the person I spoke with on the bank had told me there was at least another $ XXXX more in NSF 's and not to worry the money would be placed as a provisional credit within 9 business days. 

I called several times to follow up with this and each time was promised that there were no problems. Apparently this was not the case - instead of giving the provisional credit like I was told - they gave nothing and didn't communicate that to someone whom told them he was XXXX miles from home. They cancelled the debit card that was mine, thankfully my son was here in XXXX with me and I had the foresight to add him to the account. 

They didn't give the credit they told me I was getting after communicating that they were. I thinking I had a different balance was using that amount and adding money as needed. In reality 5/3rd intentionally kiting NSF fees once again totaling almost from what I was just told {$490.00}. After I just spoke with them they said it was because the disputed charges were " too old ''. Less that a year mind you, but it was too old. 

This is not acceptable : how can a bank block you from being able to view your account, foreign currency conversion fees are often all over the place which creates difficulty in keeping a register - but even then, if it is communicated that one is told that they have x $ but in fact they do not - that is intentionally kiting a fee.
Product: Checking or savings account

On XX/XX/2023 I woke up in the morning and {$300.00} was missing from my cash app account. When I reached out to cash App, they said that it was a glitch in the system and they never took out the money from my original purchases months prior. When I explain to them that was not correct, and that the money was taken out my account right away when these purchases were made, and now another XXXX was taken out of my account, They told me I could not dispute it and kept hanging up the phone on me. I have wrote several complaints about this to cash app support including talking on the phone with support. No one has been able to assist me with getting my money back or even hearing my complaint. I literally just woke up out of nowhere and {$300.00} was missing out of my account from Cash App. 
I also reached out to the XXXX, and consumer.ftc.gov to address my complaints.
Product: Debt collection

XXXX, XXXX, Crown Asset Management and their debt collector XXXX XXXX are using threats of a lawsuit to attempt to collect a debt that is not owed. They are doing this in violation of the FDCPA. They know that they can not prove that I owe the debt in court, because it was the product of identity theft so they are using a threat of legal action in order to try to fraudulently collect on a debt that I do not owe. They should be fined under the FDCPA and now that President Biden has been sworn in, I would expect that the CFPB will start actually doing its job again which means bringing lawsuits against these rogue debt collectors that were allowed to flourish over the last four years. 

The XXXX credit card that they are trying to collect on was paid in full about four or five years ago. I actually took out a HELOC and consolidated credit card debt. The account ( along with a few others ) was reactivated and used by an identity thief. XXXX, XXXX, Crown Asset Management and XXXX XXXX have all been supplied with the police reports and the FTC reports. YET they continue to try to fraudulently collect on this debt in violation of the FDCPA. I understand that the former chair of XXXX was a close friend of the former President, XXXX XXXX, and that may be why CFPB never did anything about this before -- but now, we have a new President who is upholding the laws, so I would like the FDCPA enforced in this matter and in ALL accounts that XXXX if fraudulently trying to collect on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the banks to inform that the credit inquiries were identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, XXXX, 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 an account without my written instructions
Product: Mortgage

I applied for help due to financial hardshipfor the XXXX XXXX XXXX but was denied in XX/XX/XXXX. Due to the coronavirus pandemic that began on XX/XX/XXXX, I experienced severe financial difficulty from a large rise in expenses ; however, due to my my VA XXXX compensation cause reason for denial. My application for homeowners aid was turned down by XXXX XXXX. Moreover, I was not given a reason when my mortgage lender, XXXX, rejected me from the VA XXXX XXXX program, for which I was also qualified, but told I was not eligible, but given no reason. Recently XXXX whose monthly XXXX checks from the XXXX XXXX XXXX XXXX disqualified them from receiving federal housing subsidies based on income restrictions will become eligible for the rental assistance as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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 an account without my written instructions,
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ EQUIFAX ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, [ EQUIFAX ] has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Vehicle loan or lease

My husband XXXX XXXX XXXX purchased a XXXX XXXX XXXX on XXXX XXXX XXXX From XXXX XXXX XXXX XXXX XXXX . The truck had several problems so Nissan bought the truck back on XXXX XXXX XXXX using XXXX as the Arbitrator the case # XXXX and XXXX XXXX was handling the case. Nissan gave me {$6800.00}. That was for the {$1400.00} down payment I made, the payments I made on the truck the year I had it {$6400.00} minus the Usage amount of $ XXXXThey would not give me the interest I paid on the car in the amount of {$3400.00} and the Mississippi Lemon law stated they had to give me everything I paid on the truck including the extended warranty I paid {$680.00}. but they owe me {$380.00} and they refuse to pay it they blame each other when I call for my money.They paid me back {$300.00} on the warranty and beating around the bush about the balance. They paid the truck off in the amount of {$53000.00}. That was the total of my contract. But, XXXX didn't refund me the interest I paid.XXXX XXXX told me I can get me a lawyer I don't quailify for it. The Warranty was being handled by XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Tried linking my banking account to a third party but it wont allow me too, this would help me get ahead financially so I would appreciate the help
Product: Payday loan, title loan, or personal loan

I opened a dispute for a purchase made through Affirm that was supposed to be resolved within 90 days. It has been more than 90 days and the dispute has not been resolved, which has caused me to not be able to use my account or pay on the loan because it is still in the dispute process. Because I am not able to pay on the loan while it is in the dispute process, the loan now shows as " past due '' on my Affirm account. Because the loan now shows as " past due '' on my affirm account, I am unable to take out any new loans with Affirm, and the loan will now show as a past due balance on my credit report. 
I have contacted affirm over five times through their messenger application, and I have contacted them by phone every week with no resolution of the issue. Each time I send an email to Affirm or message them I do not get a reply, and each time I call they escalate my case to a supervisor, who then tells me that they can not help my case and that I have to wait further until their Disputes Department can get to my case. I was also told after the escalation that someone from Affirm would contact me with an update of the issue, which has not happened. 
I have attempted to have my case with Affirm solved several times to no avail because of the lack of response from their team, and because of their lack of response my Affirm account and my credit score are now being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX