23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I was approached by someone who said that they could perform a cash flip on the cash app. After multiple failed attempts and inconveniences, I was down a few thousand dollars because I never saw the return that was promised to me. I was approached on XX/XX/XXXX with the person asking me to send XXXX in order to get started. The amounts began to get bigger and bigger as I thought I would see my return. I will provide the amounts in the attached documents. Each time I was about to get paid there was another problem in the way. I can give more information about anything once my complaint gets a reply. The screenshots I provided are the exchanged between the scammer and I. I trusted that they would make good with my money but they just continued to take from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I learned from a credit monitoring service that someone opened more than one fraudlent account, the most germane for this complaint was XXXX XXXX XXXX ( " XXXX XXXX '' ). 

I contacted XXXX XXXX by phone, and notified them of the fraud. On XX/XX/2019, XXXX XXXX sent me a letter asking to speak with me me about the fraudulent credit card opened in my name. I received another letter dated the same date notifying me they coundl not find any record of the inquiry. 

However, the hard inquiry remained on my credit with the 3 main credit reporting bureaus. I again contacted XXXX XXXX and reminded them that the account and the hard inquiry was a result of fraud, and requested they look into it. XXXX XXXX DID find the inquiry, and sent notices to the 3 main credit reporting bureaus asking them to remove the inquiry. 

XXXX XXXX did follow up, and all but EQUIFAX removed the hard inquiries. 

I attempted to deal with EQUIFAX on numerous occasions, speaking with heavily accented foreigners who told me that the fraudulent inquiries were a " scar '' and can not be removed. at the same time, certain other calls resulted in claims they would remove the inquiry AS OF THIS DATE, EQUIFAX HAS NOT. 

I have submitted repeated efforts at filing disputes with NO ABILITY to attach the documents I have attached here. EQUIFAX also tells me to get XXXX XXXX to request the inquiry be removed. XXXX XXXX has done that, and notified me that they can not get EQUIFAX to comply. 

AS A RESULT I HAVE PLACED A FREEZE ON MY CREDIT, WHICH MAKES DIFFICULT FOR ME TO BEGIN TO REPAIR THE DAMAGE
Product: Credit card or prepaid card

My wife and I visited Mattress Firm on XXXX XXXX in XXXX, MO on Saturday XX/XX/2018. The salesman told us about their financing options and offered to check if we qualified. He told us he would do a soft credit check and it wouldn't affect our credit. I agreed and said there would be no harm in it if it won't affect my credit. We proceeded with the check and we were approved. I told them we would think about our options and would return in a few hours if we were interested. The following Monday I received an email from XXXX  that a new account had been opened in my name. My wife called the store and they told her that was just part of their process. I called Synchrony who administrates the credit card and they verified that a new account had indeed been opened. I asked them to close the account and they did. I returned to the store two weeks later on XX/XX/XXXX with my new card in hand to ask them about it. They again insisted that they had done nothing wrong and that was just the way their system works. When they check if someone qualifies for credit a new account is automatically opened. I never authorized them to open an account for me, and I never signed an application. A hard inquiry and anew account now shows up on my credit report. I don't know that this will significantly affect my credit score, but that is not the point. At the worst this was fraud. At the least it was misleading.
Product: Bank account or service

CapitalOne did not pay out for the following promotion even after I completed the requirement : Open a new Capital One 360 Money Market account with the promotional code XXXX and receive a bonus of {$200.00} when you complete the following requirements : Deposit at least {$10000.00} no later than XX/XX/2017 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Via Email XXXX Account Number XXXX Buyer XXXX XXXX XXXX Co-Buyer XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your Inquiry dated XX/XX/XXXX Thank you for your recent request. Listed below is a summary of your account information as of todays date. 

Original Principal Amount : {$16000.00} Payment Amount : {$180.00} Payment Frequency : Bi-Weekly Current Principal Balance : {$1300.00} Date of Last Payment : XX/XX/XXXX Current Account Status : Active Next Due Date : XX/XX/XXXX Last Reported Account Status : Active : Current Last Reported Balance : {$1300.00} Payment Habits ( Last 24 months ) : 30 days past due XXXX ( XXXX ) ; 60 days past due XXXX ( XXXX ) ; 90 days past due XXXX ( XXXX ) Bridgecrest reports to XXXX, XXXX, and XXXX XXXX. Bridgecrest Customer Service may be reached at XXXX. 

In XX/XX/XXXX, I was involved in a vehicle accident that resulted in a total loss of the vehicle. After a few months of negotiating with the insurance company, a settlement was reached in the amount of {$7500.00}. The check was sent directly to my lender Bridgecrest on XX/XX/XXXX. In addition to the {$7500.00} settlement, I also made my monthly payment of {$400.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I received a letter that was very simple and easy to understand that was established by Bridgecrest notifying me of my next scheduled due date of XX/XX/XXXX. Unfortunately, Bridgecrest failed to honor the XX/XX/XXXX, due date by charging off my account on XX/XX/XXXX, due to lack of payment. Although Bridgecrest has my personal contact information, I never received a phone call, letter, or email to notify me of their intent to charge off my account. I became aware of the charge-off from an alert from XXXX indicating that my credit score has decreased. I contacted Bridgecrest to have the error corrected, but I have not been successful in my task. I decided to dispute my credit report with all three credit reporting agencies due to the inaccurate information reported by Bridgecrest. After waiting the required 30 days, I received a response indicating that the information was correct. I am not clear on the law or the rules about how each Credit Bureau collects and researches erroneous information in a dispute, but I am clear about the facts of the letter that I received from Bridgecrest advising me of my next scheduled due date on XX/XX/XXXX. XXXX, XXXX, and XXXX have all failed to remove or correct my credit report, so I am searching help from the CFPB to review the facts of the letter that I received from Bridgecrest and require all three credit agencies to remove the inaccurate information from Bridgecrest about me from my credit report immediately.
Product: Credit card

When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.
Product: Student loan

I have XXXX and navient for XXXX of my student loans. They both boast that after 12 months of payments you can release the cosigner. So last year I started this procedure. I supported the documentation needed to both companies and received an approval from Sallie mae after the 2nd try and a rejection from Navient. After numerous re applying and then calls to them I come to find out that I have to make 12 consecutive payments of principal and interest to them and in XX/XX/XXXX a pymt was made but not equal to prin/int pymt. Even though I made a number of payments in excess of XXXX to XXXX dollars which did not count. So ok I wait till after my XX/XX/XXXX payment of prin/int and reapply. They go through the motions and reject me again after a credit/employment check. Stating I owe too much money and do n't make enough so they ca n't release my cosigner. All of which was never explained in the directions. I am beyond frustrated. My mother would like to be released and would not have agreed to be a co signer if this was known before we applied. Not to mention this loan has an interest rate variable of 7.25 % or more. The lady I spoke to was XXXX, her solution was to get another loan to pay this one off and get the cosigner off of it. Huh! That does n't make sense. I know there are multiple lawsuits against navient for these same practices. if there is a class action suit in the works i would like to be included in that. this company is bad news. i will never refer anyone to them.
Product: Checking or savings account

Grid is a fintech financial service I have used for a few years for VA XXXX direct deposit. On XX/XX/XXXX, I contacted customer service via the app about my account, as I could not access funds. I received a response from Grid stating that there were issues with their partner XXXX XXXX XXXX. After researching the company, I discovered that XXXX has filed for bankruptcy. Grid failed to inform me of this. This information should have been communicated to their customers immediately so they could change their direct deposit promptly. Grid and their financial partners ' actions have caused me major financial distress. I can not pay rent, car insurance, or afford food for myself or my cats. I understand Grid had little control over XXXX 's filing for bankruptcy, but Grid was obligated to inform their customer immediately. They should be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

the XXXX account # XXXX that's reporting in my credit report has inaccuracies that makes this report invalid... .date last active TransUnion XX/XX/XXXX, on XXXX it says XX/XX/XXXX and XXXX XX/XX/XXXX ... XXXX PLEASE DELETE THIS IMMEDIATELY ... ITS AGAINST MY PRIVACY TO REPORT INACCURATE ITEMS ON MY CREDIT!!
Product: Mortgage

I made a payment to Mr Cooper online on XX/XX/2022 for XX/XX/XXXX due date. I was told there was an error on the mortgage company side where my mortgage payment was applied to late fees and not the monthly payment. I have spoken to them on several occasions including the executive resolution department and was told they are sorry and will fix the issue and as of today XX/XX/2022 they still havent I was also told since the mistake was their fault I would not pay late fees for XXXX or XXXX and my account would be updated to reflect the payment date as of XX/XX/XXXX. I paid XXXX in which they applied it as the XXXX payment they charged me {$910.00} in interest for being late even though they received it XXXX XXXX weeks early. I was told again this would be fixed and they will credit my account twice by the executive resolution department I received letters from them several times saying the issue is resolved and it would take 24 hours to reflect on my account which it never happens. The last time they reversed the payment they did it for the XXXX payment and applied it back to my account and this issue wasnt even that month it was the payment for XX/XX/XXXX which I made on XX/XX/XXXX. All the resolution department does is give me a case number tell me they reversed the late fees and the payment will be applied to my account the late fees and the {$910.00} interest that was taken out of my XXXX payment would be removed and credited to my account. I emailed XXXX XXXX who was the last person I spoke to in executive resolution department after I received the notice on XX/XX/XXXX that the process was completed and my account would be adjusted within 24 hours to let him know my account still was not adjusted. I asked him to call me but as of yet no calls and he hasnt replied to my email. All they do is open the case give you a case number send you a notice saying it was fixed then close the case and nothing is ever done so I have to call again and the process starts all over. I am getting countless phone calls and text for payment for a payment they have and wont apply. I was also told they would credit my account fees that I paid for processing my monthly mortgage fees which was done over several years and still have yet to have that credited to my account all of which I have proof of.I havent been sleeping and the stress of all this in intense
Product: Mortgage

Our home loan was originated with Wells Fargo on XX/XX/XXXX with PMI. In XX/XX/XXXX, we submitted a request for PMI removal and received a letter instructing us of the various options. We decided to complete an appraisal and paid the fee out of pocket, but the value came in low. We filed an appraisal dispute and our claim was not approved. Recently, we inquired in XX/XX/XXXX to remove the PMI given our home has appreciated. We were sent a letter with the same options. We decided once again to pay for the appraisal. The reported value showed we are now under the 80 % loan to value and can remove the PMI. Two weeks later, we received a letter stating we can not remove the PMI since the LTV must be 75 % or lower. This requirement was never disclosed in writing nor communicated to us during the process. Furthermore, had this been disclosed, we would not have proceeded with the 2nd appraisal. We are very frustrated with WF and feel utterly helpless. We believe they are dishonest, breach of contract, failure to disclose, and poor customer service.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to Freedom Mortgage effective XX/XX/2020. My final escrow balance from XXXX XXXX was {$1100.00}. Upon transfer, Freedom shows a negative XXXX. I have been trting to get this corrected since XX/XX/2020. After numerous calls, the problem is still not corrected. I just want my proper amount in my escrow where it belongs. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied a rental car because of my Transunion auto insurance score. I'd like a copy of this report and score. It is NOT my Transunion credit score, rather my Auto Score
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been investigating XXXX  XXXX XXXX account XXXX for over 6 months. 

Equifax has been investigating XXXX XXXX XXXX  account XXXX for over 6 months. 

Both accounts have been under investigation for months, by the fair credit act they were supposed to be deleted if not verified in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of 15 usc 1681 ( b ) ( a ) ( e ) ( 2 ), which states that a consumer reporting agency may furnish a consumer report but in accordance. I the consumer did not give them consent to report anything. No consent is identity theft. I demand XXXX remove two collections accounts, late payment inquiries and hard inquiries from my report.
Product: Money transfer, virtual currency, or money service

Robinhood restricted my account with money in the account I transferred from my personal bank account into the Robinhood wallet its been so long and they dont unrestrict my account so i can withdrawal my money
Product: Credit reporting, credit repair services, or other personal consumer reports

I reaffirmed my mortgage with Santander Bank, N.A. when I  filed for chapter XXXX Bamkruptcy in New York State in XX/XX/XXXX. I have proof the company received notification of this reaffirmation. Since early XXXX, Santander has insisted this mortgage was included in the bankruptcy filing and reports this as closed on XX/XX/XXXX. Santander did not close the mortgage account but briefly transferred it to XXXX XXXX  XXXX then back to Santander with a different mortgage number!! None of this has been noted on my credit report. In fact NONE of my continued ON TIME and UP TO DATE payments have been included in my credit report. Other than the false statements about including my mortgage as part of my bankruptcy filing and the mortgage being closed on XX/XX/XXXX, there has been NO MORTGAGE INFORMATION listed on my credit report for almost two years!!!!! PLEASE HELP!! 
I have made numerous calls and have written to Santander to no avail. I have filed disputes with XXXX XXXX, XXXX and XXXX. Apparently none of them require any documentation from the bank and only report what the bank tells them. NOT GOOD!,
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes to transunion. They took 45-60 days each time I sent them a dispute. I disputed the following accounts. 
XXXX  XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  All of these items were disputed multiple times. Each time transunion took over 30 days to actually investigate it and violate consumer protection laws. 
The company can not actually verify any account as I have never signed digitally or manually any documents with these companies as well as have not authorized any of these companies to report to my credit. I have submitted requests on XX/XX/23 XX/XX/23 XX/XX/23 All my attempts to actually have them remove due to violating multiple laws have gone unchanged.
Product: Debt collection

Comenity Bank is in violation of multiple federally protected consumer rights. 
company has damaged my credit report and reputation. 
company has shared private consumer information with a 3rd party without written consent or permission.
Product: Credit card or prepaid card

On or about XX/XX/2019, I sent Capital One a letter requesting to lower my ( APRs ) and interest rate for a couple of months until I get back on track with my credit cards payments for two credit cards. I explain to them that I was having a hardship and spoke to several representatives in the month of XX/XX/2019, XX/XX/2019, was told by XXXX a letter went out, spoke to XXXX XXXX XXXX, XXXX  XXXX XXXX, and XXXX   XXXX XXXX, and she told me that the late fees will be removed for 90 days on both accounts the XXXX XXXX credit card and the Platinum credit card. I explain that I needed to pay {$25.00} a month until XX/XX/2019, due to illness and the government shut down which was told to them a few months ago because I relied on my finance income as well and he works for the government. Until XX/XX/2019 I have never paid Capital One late for years and XXXX told me I would be put in a program from the Speciality department at Capital One on XX/XX/2019, but I have never received anything in writing stating what is told to me over the phone, and every time I called back I have to start over again with another representative with the process. General letters are sent out without with Capital One un-willing to lower the interest rate of ( APR, s ) on both cards a letter was sent from the on XX/XX/19 and XX/XX/19 and everything promise over the phone was not put in writing from the Specialty department and no person to contact on the letter sent out to me.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Charges and Incorrect Credit Reporting by XXXX for XXXX XXXX Credit Card Description : I had a XXXX XXXX credit card issued by XXXX, which I had used to subscribe to a XXXX service. The subscription was approximately {$7.00} per month. Despite my attempts to cancel this subscription directly with the XXXX service, they continued to charge my card. I engaged with XXXX multiple times to dispute these unauthorized charges. Initially, XXXX acknowledged the issue and claimed it was resolved. 

However, the charges inexplicably reappeared on my statement several times. I continued disputing these charges with XXXX until I was reassured that the issue was permanently resolved. Believing the matter was settled, I paid off the card 's balance in full and ceased using it, under the impression that there would be no further issues. 

Unbeknownst to me, the charge reappeared once more, amounting to around {$7.00}. This time, due to additional fees and interest, the charge ballooned to over {$230.00}. Since I was no longer monitoring this card, I was unaware of this new development until the account began showing late payments at XXXX, XXXX, and then 90 days past due, eventually leading to a charge-off in XXXX. 

I disputed this with XXXX, explaining the situation and providing evidence of my previous interactions regarding the XXXX charges. When this did not resolve the matter, I also filed disputes with the credit bureaus. Instead of rectifying the situation, these actions resulted in further negative impacts on my credit score, as the disputes were not handled in my favor. 

This situation has had a significant adverse effect on my credit report, despite my efforts to resolve the unauthorized charges and the initial support from XXXX in acknowledging the error. I seek immediate action to correct my credit history and remove the late payments and charge-off from my credit report.
Product: Debt collection

Numerous emails from XXXX XXXX a collection agency with credit merchant SEZZLE. 
I receive emails every two days with different amount ( s ) in the email. 
The Sezzle account is closed. 
XXXX XXXX will not let me correspondence with SEZZLE nor let me see an accurate balance owed to the merchant. 
The harassment of emails need to stop.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX A Account number : XXXX  Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX