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

I contacted Experian about several accounts on my credit report that is still open and active, although the two other Credit Bureaus have closed them. I submitted documents of receipts and the closure letter for XXXX XXXX and received a letter that this would remain on my report until XX/XX/2023. I immediately contacted Experian and was told by two Agents and a Supervisor who continued to give false information. I was told that the Company never confirmed with them that they needed to close my account. I contacted the Creditor and was told that Experian was contacted the same time as the other ones and that's why the accounts are closed. I was also told that we can do a three way conference and they would relay this information to Experian. Experian wouldn't do a conference call, but stated as an 'One time exception ' they would contact the company. I waited for over thirty minutes, while the Experian Supervisor kept me on hold only for her to come back and say that they confirmed that they closed my account due to debt being paid. The Supervisor stated that the system wouldn't allow her to close the account and I would have to wait until she could. XXXX XXXX stated they were on the line with Experian for about five minutes or less with the Supervisor who stated that they would remove it. Experian seemed more interested in keeping my Credit Score low instead of updating and removing several accounts that have already been closed bt XXXX   and XXXX. This is the main reason why others and my Scores are stagnant, because they fail to do an accurate update. All conversations have been recorded that shows that Experian do not want to update my account with the correct information. Credit is important so stop being a hindrance for me.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelles handling of disputes, particularly in a light of the recent CFPB lawsuit highlighting significant issues with platform. Dispute using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovery lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

We had a Discover Card. When my husband 's business went under, it was one of the monthly debts we stopped paying. That debt was purchased by XXXX & XXXX from NJ. The firm got a judgment against us in the amount of $ XXXX. We did owe the money and entered into a monthly payment plan with them. They do not send monthly statements or receipt of payments. We would like to know our balance and get a receipt when a payment is made -- if not monthly -- at least quarterly. 

We had been making payments faithfully for 2 years and we were late one month -- just outright forgot. Not hard to do since we do not get any statements from them. It's due the XXXX of the month. I went to pay it online on the XXXX of the next month only to find out they had cancelled the agreement. Also, you can not go onto their website and make a partial payment ( if you wanted to split it up over the month ). 

We were able to get the agreement reinstated but they asked for an even bigger monthly payment. We did not agree to it. My complaint is about their business practices -- no statements, no receipts, no updated balances but they have no problem rescinding an agreement immediately when a payment is not made. They should be obligated to send out statements and keep consumers informed. 

If I knew what I know now, I would definitely have negotiated the debt down. This law firm are bottom feeders and should be held to better standards. They prey on too many vulnerable people and should be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against XXXX XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and Equifax credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$670.00} {$0.00} {$670.00} Credit Limit : {$480.00} {$480.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX Equifax Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$0.00} {$660.00} Credit Limit : {$500.00} {$500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender. 
Unpaid balance reported as a loss by credit grantor. 
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I sent multiple dispute letters to XXXX, XXXX and Equifax regarding inaccurate information and they sent back a letter stating that the accounts are verified and updated still with inaccurate information. This has cause alot of hardship stop me from buying a home and being approve for other credit cards.
Product: Credit card or prepaid card

On XX/XX/XXXX, I opened a credit card with Jared the XXXX of Jewelers store, issued by Comenity Bank. On XX/XX/XXXX, I called Comenity Bank and asked for the total balance due, because I wanted to pay off my credit card. They provide me with the information of {$320.00}. I made the payment over the phone and I paid off with my debit card from XXXX. On XX/XX/XXXX, I received a phone call from collection department stating that I have a remaining balance of {$39.00} and it was past due. I asked why I owe them {$39.00} if I paid off my credit card on XX/XX/XXXX? She said, the {$39.00} is for the credit card fees that were not included when the amount due was given. I asked the lady to put a manager on the phone. She put me on hold for a long time, and when she came back, she said that they were going to remove the fees. It seems that they incurre after the payment. She realized then that I actually had a credit. Also, she stated that by XX/XX/XXXX, a letter will be arriving with the notification of XXXX balance due. I never received the letter and I never bothered in calling them. I trusted the lady and since I paid them off, I just let that go, meaning the letter. On XX/XX/XXXX, I noticed a missed payment on the XXXX XXXX - credit score information. I called XXXX right away thinking that they have me as missed payment. They advised that they were not, but some other creditor did. I called XXXX and I opened a complaint to investigate which creditor did that. I received a letter on XX/XX/XXXX from XXXX stating that they concluded the investigation showing that Comenity bank/Jared credit card still have me of being late 30 days. I want this creditor to hire qualified customer service, because we consumers are paying the consequences. This is impacting my credit report/score because the miscommunication.
Product: Credit reporting or other personal consumer reports

XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXXXXXX XXXX XXXX XXXXXXXX DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX DOB XXXX - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Transunion- Listed below are the XXXX Information that are being challenged Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The XX/XX/XXXX I initiated a SEPA transfer of XXXX euro to my XXXX bank account. The same evening the transfer was marked as completed and I got a e-mail that I would see the money on my account the XX/XX/XXXX. 
Until this day I have not seen my money and all attempts to contact CoinBase has failed. 

It seems that I 'm not the only one who have n't received the money from the XX/XX/XXXX. And it 's unacceptable to not give your clients any information whatsoever.
Product: Credit card

I had a Capital One venture credit card. Using the card I had earned XXXX miles. Capital One miles are stated as {$1.00} for every XXXX cash equivalent. Thus my rewards balance equated to {$2100.00} On XX/XX/24 Capital one closed my account for inactivity. No notice was received that account would be closed and my XXXX miles disappeared. 

I have a XXXX  credit score and no delinquent payments on this account. I reached out to capital one if account could be re-opened, miles transferred, or paid out for equal balance. They told me policy that miles for accounts closed are all forfeited. Their online user agreement policy says rewards are transferable, rewards do not expire, and states nothing about capital one right to close accounts for inactivity. 

I have requested the signed user agreement specific to my account that states accounts are closed for inactivity. Capital One could not be provide. After much back/forth, they offered to do a check for {$1000.00} or half the cash equivalent. This still means {$1000.00} was taken from me. 

Online blogs revealed several other customers with similar complaints where capital one unannounced closed accounts for various reasons and customers lost all their rewards benefits.
Product: Checking or savings account

I notice that money is debited from my account but when it is refunded or adjusted by the merhant, it is not credited fully back to my account. XXXX XXXX then credits my account and debits the credit to cancel it out resulting in a loss on my end. I had a dispute request on XX/XX/year>, the representative was a supervisor and lied about submitting a dispute. I had to call back XXXX days later to have an actual supervisor initiate the dispute. My account was debited past the limited overdraft protection threshold on a frozen debit card for a transaction that was previously declined on a frozen card. When I inquired about this, it was not investigated or resolved. Recently, XX/XX/year> {$100.00} was moved from my savings account to my checking without my authorization. I had this exact same issue at the beginning of this year as well.
Product: Vehicle loan or lease

There has been an issue with Hyundai Finance and local customers. When a customer leases a car through them and a total loss happens, when the value of the car is less than what is owed, GAP comes into play. When the market value is more ( which is happening recently ) than what is owed on the contract, they say it's just their practice to take the whole current value and not return what is due to the customer. Insurance even stated that this should not be occurring. Our legal contract says that the standard formula will be used to calculate the value which uses the difference between current market value and residual value of the vehicle based on what is remaining in payments and payoff of car at term. When I went to the sales office in XXXX yesterday ( XXXX ) to speak to the finance XXXX, he said their actions were wrong and he has heard that Hyundai Finance has been doing this recently to consumers in the area. In fact, he had specific occurrences of customers that they did this to including a XXXX employee. What are the next steps in having this investigated? 

I've attached the contract where it states in # XXXX that in the case of a total loss, that the standard formula will be used to calculate the value owed on car. This is listed in # XXXX. XXXX has decided to capitalize on the current market and punish the consumer which my contract does not state can happen. When speaking to the financial XXXX, XXXX, on XX/XX/ after a month of calling and awaiting a return call, she states that this is just their standard practice and she could not find any lingo in the contract stating this was acceptable. They violated my contract on the car.
Product: Checking or savings account

there were checks from my account for services never rendered by a contractor. i did write the check and tried to stop the payments by asking the bank for assistance. the bank has not helped me at this point and I need assistance. Check number XXXX, XXXX, XXXX, XXXX reference number XXXX 
I also have a complaint with the attorney general on this company and that refernce number is XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

i am writing to request an investigation of the following information that appears on my consumer report. 

XXXX XXXX XXXX  The status is in correct The account is too old to be on my credit report The payment history/rating is incorrect The dates on this account are incorrect i request that you thoroughly review the disputed information and if found inaccurate or incomplete, take the necessary steps to remove it from my consumer report. please provide me with a written confirmation of the resolution once the investigation is complete. 

The account violate these laws : 15 USC 1681i. 15 USC 1681s2. 15 USC 1681i5. 15 USC 1681eb. delete account.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, XXXX XXXX sent me {$45.00} dollars. Identifier Number XXXX. This is with Cash App. On XX/XX/2022, at XXXX AM I called Cash App... no one answered the phone. So, I sent a text message on XX/XX/2022, I called Cash App and spoke with a " XXXX ''!! XXXX, is the one who fixed it where it showed " Received '' and NO Money went into my Bank. On XX/XX/2022, I called Cash App and spoke with " XXXX  '' she told me to Re-Boot my Cash App Account ... and it messed it All Up. at XXXX AM I called Cash App again on XX/XX/2022 ; and spoke with a " XXXX '' and he was giving me the run arounds. So, I asked to speak to a Manager and he said NO Managers was Available. At XXXX PM I called Cash App again on XX/XX/2022 ; I spoke with " XXXX '' ... and I got the run arounds again from her. After XXXX PM i was still receiving text messages from " XXXX '' asking me to send a copy of my Drivers License the front and Back and other stuff... this is when My Niece said don't answer them back because they are scamming me.
Product: Vehicle loan or lease

We submitted a refinancing loan online through Navy Federal on XX/XX/year>. We were contacted by a representative the following day and the voicemail stated that we need to contact them with information regarding our loan application. 
On XX/XX/scrub>XXXX XXXX XXXX  we called Navy Federal customer support and spoke with a representative who informed us that the application we submitted online was not valid due to the application stating that the current auto loan was through a third party which it was not, its through Navy Federal. 
Upon receiving this information we decided to redo the application over the phone with the representative since we already had a preexisting loan through them. Before we agreed to any disclosing agreement we asked the representative if another hard inquiry would be required again, she stated, no, that the hard inquiry they used for our online application would be able to be used for this and another hard inquiry wouldnt be needed. 
My husband and I both received notice from credit reporting agencies that another hard inquiry had been conducted again on both of us. The information given to us by the representative was fraudulent and misleading. We will dispute the second hard inquiry by Navy Federal as this was not authorized by us and we were not properly informed by the representative and we were lied to. 
We hope that something can be done in this regard and if it is due to the representatives lack of knowledge we hope that she would be better enforced with the information she needs to not misinform her clients over the phone. 
The XXXX hard inquiries are a problem that we now have to address.
Product: Checking or savings account

I opened a brand new checking account today ( XX/XX/year> ) with Bank of America but the bank has somebody elses email address associated with my new bank account. The email address is preventing me from receiving authorization codes to verify my identity and gain access to my online account because the codes are being sent to somebody else and not me. 

I dont recognize the email address so its either a very old email address that I used on an old Bank of America account years ago and deleted when I closed my Bank of America account or its somebody elses email address. In either case it doesnt belong to me and shouldnt be associated with my brand new Bank of America account. Its not the new email address I provided when opening my new bank account. 

The screenshots I included in this complaint proves that I verified my Bank of America account using a XXXX account, but the verification codes are being sent to an XXXX account. 

I called Bank of America to report the problem but they told me its nothing they can do about it. Bank of America is refusing to remove somebody elses email address from my account and is putting my account at risk of being hacked and all of my money stolen. 

The email address might belong to the personal banker who opened my new bank account. A Bank of America personal banker is trying to steal my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : Opened an Experian online account about a month ago to manage a security freeze I placed on my credit account in XXXX. 
When I attempted to thaw the freeze online, I was asked by Experian to submit the request via ground mail using a paper form along with identity-related documents. The requested form and proof of identity documents were delivered to Experian on XX/XX/XXXX, as confirmed by USPS tracking system. 
Since Experian did not notify me via e-mail on the status of the temporary freeze removal request, I decided to login to my account to look for information online. As several attempts to login failed, I asked the site to e-mail my username, and provided my SS number along with my email address when prompted. The reply e-mail I received from Experian was very surprising. It stated that my username was forwarded to a XXXX email account, but I never had a XXXX email account! 
If my SS number is associated with an email address that I am totally unaware of, it is apparent that my identity has been compromised. What steps can I take now to resolve the issue since I can not reach Experian by phone or through their portal? 

XXXX : Opened an XXXX online account about a month ago to manage a security freeze I placed on my credit account in XXXX. 
When I attempted to thaw the freeze online, I was asked by XXXX to submit the request via ground mail using a paper form along with identity-related documents ( similar to what Experian did ). The requested form and proof of identity documents were delivered to Experian on XX/XX/XXXX, as confirmed by USPS tracking system. 
When I attempt to login to my account or try to call XXXX to inquire about my request to thaw the freeze, I get the message that my request can not be processed at the moment, with no further explanation. Several attempts per day to contact XXXX online and by phone have been made since XX/XX/XXXX to no avail. The company has effectively locked me out of my account! I am not sure how and where to go to reestablish my identity and credit account.
Product: Vehicle loan or lease

Although your response wasn't satisfying but thanks for taking the time to do so! I just got off the phone with your agent who won't transfer me to a supervisor! She did request to see where the ticket was for {$200.00} ( I will be attaching that info to this email )! Not only you sent the ticket to the old address because database error in your system but you also didn't pay it on time and waited for the ticket to accumulate late charges making the amount {$400.00}! Why is it so hard for you to admit you sent the ticket to the wrong address and waited for late charges to accumulate instead of waisting my time trying to confines an unprofessional department that it's your fault and you should take responsibility for you lake of communication!! I need to talk to someone who can make decisions and stop asking me to call your XXXX number and speak to random agents who can't make decisions/wo n't transfer the call to a supervisor nor acknowledge your mistake and apologize for the inconvenience this issue had cost me " My number : XXXX ''! This department shouldn't be called customer service but rather money hungry department that can't see beyond the computer 's screen monitor! " One piece of advise if you can understand it : we make machines to help us not control are decisions ''
Product: Mortgage

I am a recipient of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent LoanCare payments on XX/XX/2023 for my XXXX payment and on XX/XX/2023 for my XXXX payment. Both of these payments were cleared per XXXX within 48 hours of the date they were sent but LoanCare has yet to apply the funds. I have gone back and forth between LoanCare and XXXX for over a month, to no avail. LoanCare refuses to reach out to their XXXX  contacts and XXXX can not provide me copies of the cleared checks as I am not the payee. LoanCare has now charged late fees to my account and is sending me certified letters regarding the delinquency, though they have received and are holding the XXXX funds for these months.