23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I 've had a Serve One VIP prepaid card issued by American Express for several months. It was an attractive card due to its low fees and ability to safely load cash at many locations outside traditional banking hours, as well as the ability to transfer that money to my other out-of-state bank accounts with pre-existing debited bills. 

However, I received notice on XXXX XXXX that my account was being being shut down and could no longer load my money. There was no notice, no explanation given, and no recourse offered whatsoever. I attempted to contact Serve for further information and was denied any assistance with regards to the sudden actions taken against my account. 

Upon my own research I came to understand that Serve has taken similar actions against many other account holders for perceived violations of terms & conditions regarding loading prepaid gift cards to their Serve accounts. On XXXX XXXX I initiated XXXX money load transaction from my debit card ( NOT a gift card ) for {$200.00} in order to have funds available in another account for an upcoming bill that was due via auto pay. It seems quite clear now that Serve has taken adverse action against me for using their product feature that is readily accessed and available on their website. If they did n't want this feature used by their consumers, then it amazes me they still offer it in the first place. 

Again, there was no notice given and no ability to rectify the situation. I find this highly frustrating and excessive on behalf of Serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to XXXX numerous times about my credit card never coming in the mail to my P.O Box I never received my credit cards I paid my XXXX credit card for everything that I charged three reprsenatives have told me that XXXX would be deleted from my credit reports I disputed it with all three credit bureaus the only one that deleted it was XXXX need it deleted on my XXXX and equifax reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that were included in my XXXX and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX 
Inaccurate Account number 
Inaccurate date opened 
Inaccurate last date active 

XXXX XXXX  Inaccurate date opened 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active 

DEPTEDXXXX
Inaccurate date opened 
Inaccurate balance 
Inaccurate last date reported 
Inaccurate last date active
Product: Credit reporting or other personal consumer reports

I did not make these hard inquiries! These are 3 of 13 hard inquiries ( across 3 bureaus ) made using my information that I did not authorize or request. I have been a part of 2 separate data breaches in the last few years and believe this is a result of that. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Barclays Bank Delaware XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Attached you will find images of 7 checks that have been cashed by Comenity bank but not applied to my credit balance. Nor have they been forwarded to another company. I would like my money back. The checks total {$5200.00}. 

Yes, this is a duplicate of another complaint but I am hoping that by providing Comenity with the check images they will have a better chance to identify the deposits and return my money back to me. Comenity has stated that they stopped forwarding payments in XXXX of 2022 and since these checks are dated after that, I am sure they still have my money and again, I want my money back.
Product: Mortgage

JP Morgan Chase Bank has locked out the property located at XXXX XXXX XXXX, XXXX NY XXXX for several years. The property is a townhome located in the XXXX XXXX XXXX. The exterior of the property is in need of maintenance. The property conditions is far less than that of it 's attached neighbors and in the Association which is bringing the homeowner values down disparaging all owners in the Association. JP Morgan Chase does not return phone calls or written communications. The property has been vacant for several years and needs to be repaired.
Product: Credit card or prepaid card

I applied for Amex Everyday card after seeing their advertisement for XXXX fees balance transfer from any credit card. I applied for their card and was approved successfully. 

I carry certain balance in my other credit card issued by XXXX XXXX XXXX ( XXXX ). I have been using this credit card for the past 3+ years. For the past one week, I was attempting to transfer balance from this credit card to my Amex Everyday card using my online Amex account. However, I received a message that card number is not valid. Hence I contacted the customer service on several occasions to do the balance transfer. I spoke to almost four or five different people including one personnel from Balance transfer department. Everyone gave me the response that the card number is not valid. They questioned if my card number belongs to a debit account or loan account or if my card is under my name or if the card issuer is based in US. I clearly explained that card is indeed issued by XXXX XXXX XXXX XXXX based in MA, USA. Also, card is under my name and it is a credit card. I even asked the Amex customer service to validate the statement by calling the XXXX bank. But Amex responds with the same response that card is not eligible for transfer. Personnel from the Balance Transfer department confirmed that XXXX credit card should be eligible for balance transfer, and asked me to proceed with the transfer process by contacting the customer service department. However, customer service department is not able to process my request. Also, they are not willing to offer me an alternative to the internal problem that Amex faces. Amex is not sticking to the commitment that they offered before I signed up for the card. Amex did not mention that I can not transfer balances from credit cards that have been issued by XXXX XXXX XXXX, before I signed up for Amex Everyday card. Also, there are no personnel available with the Amex who can intervene in this and make decisions. Customer service people don't offer me the option to talk to their superiors or any other managers who has some decision making authority.
Product: Credit reporting

I have an account reporting with Experian which does not belong to me, XXXX and have disputed with them twice and do not get anywhere! I need this acccount off my record immediately, since it does not belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ( US Dept Vets - XXXX ) was paid in full on XX/XX/2020 in the amount of {$610.00} and this account was supposed to be REMOVED from all reporting agencies after payment! Yet XXXX, XXXX and TransUnion continue to report this account as an OPEN, Past Due Collection account after almost a year of being paid satisfactorily! This account is NOT supposed to be reporting! I've mailed in several dispute letters requesting the account to be deleted and its still reporting and inaccurately at that!
Product: Credit reporting or other personal consumer reports

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. I understand that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account : XXXX XXXX XXXX Account # XXXX
Product: Checking or savings account

I went into the Bank of America branch on XXXX XXXX and spoke to a manager by the name of XXXX XXXX, XXXX, in regard to getting a statement printed out for the last 10 days and I asked about a fee that I was assessed AND this Manager became very, very nasty, abusive and extremely aggressive with me. He lied to me and said that he had reversed fees in the past which is a lie. Then he started raising his voice at me, he became extremely aggressive and abusive. I have been a customer of Bank of America for over XXXX years and no client should be treated in this way. I have been assessed with numerous fees by Bank of America and I wanted to discuss what was happening in my account in a respectful way but this manager attacked me verbally, was extremely abusive and aggressive. I will never walk into this branch again! I guess that's what I get for XXXX years of loyalty.
Product: Mortgage

We had gone 8 months with zero late mortgage payments and then Covid hit and our income took a serious hit. We did what we were supposed to do and applied for forbearance in XXXX. It took 3 months to get that approved and in the meantime they counted our XXXX and XXXX payments as late and reported them to the credit bureaus. They then sold our mortgage to another lender who approved our forbearance and we were able to get our account current with them.
Product: Debt collection

I am a victim of identity theft. I received a notice that a debt collector called FOX COLLECTION CENTER with an original creditor of XXXX XXXX XXXX TN has opened an account in my name. I have never been to this medical office. I called and spoke to their office manager and explained the situation and was told to contact the debt collector directly to have the account removed.
Product: Debt collection

My daughter brought a car and Wells Fargo is the bank the finances the vehicle she brought this car from her former job area it was a XXXX dealership car XXXX XXXX 2014 I think this vehicle somehow was put in my name through the company my daughter work for because of her credit. The car was pulled XXXX from a parking area at onXXXX of her friend 's house because she didn't have an up-to-date sticker the tow company kept a car in contact the Wells Fargo Bank the finance company on the vehicle that's the time I found out this vehicle was put in my name as well as my daughter 's name her name is XXXX XXXX she has reached out to Wells Fargo Bank numerous the time to correct this error but for some reason my credit has took a major drop because of this incident this is not my debt this is my daughter 's dept and she's has tried to accept this debt and have XXXX Wells Fargo bank that this is on her, not her dad. But they have not removed this debt from my credit. Can you help me get this removed immediately thank you. XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted equifax, XXXX and XXXX XXXX XXXX times over the past 6 months to correct errors on my report. According to FCRA of 1970, 15 USC 1681-1681u I have a right to dispute and see HOW a agency VALIDATES the information. To date all three companies report these 4 accounts as verified and meets FCRA requirements. Yet not one will answer how they validated these accounts. Using the e-Oscar system is not a accurate way of verifying being the law states there must be a signed contract showing the consumer owes the debt in question. Because of three attempts to no proper correction I am now requesting the information to be IMMEDIATELY removed. 
The XXXX charged off accounts in question are : 1. XXXX XXXX XXXX reports co for past 2 years, no 1sXXXX delinquency date ; XXXX shows XXXX in payment history with last payment on XX/XX/XXXX ; equifax shows lates over past two years but XXXX in history and last payment date of XX/XX/XXXX. 
2. XXXX XXXX equifax shows XXXX lates despite showing XXXX and last payment on XX/XX/XXXX ; XXXX shows no lates XXXX with last payment XX/XX/XXXX ; XXXX shows this account in co since XX/XX/XXXX with no last payment date. 
3. XXXX XXXX XXXX shows 30 day late as of XX/XX/XXXX, XXXX shows last payment on XX/XX/XXXX and XXXX ; while equifax shows 100 % payment history with last payment XX/XX/XXXX. 
4. XXXX XXXX equifax reports 100 % on time payments with last payment XX/XX/XXXX ; XXXX shows XXXX XXXX history and last payment XX/XX/XXXX ; XXXX shows 3 day late in XX/XX/XXXX. 

These XXXX accounts showing different data violates my rights as a consumer when it comes to fair and accurate data. I asked three times how they validated these XXXX accounts to being ignored. I am now asking for them to be REMOVED. 

I am attaching copies of the last correspondence I sent, despite it saying XXXX each company received same letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, RECEIVABLES PERFORMANCE add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA RECEIVABLES PERFORMANCE has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

Complaint Letter to the Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX : XXXX : XXXX Date : XX/XX/XXXX Consumer Financial Protection BureauOffice of XXXX XXXX XXXX XXXXWashington, D.C. XXXX Subject : Formal Complaint Against Nissan Finance and Authorized Dealerships for Misleading Practices and Poor Customer Service Dear CFPB, I am writing to formally lodge a complaint against Nissan Finance and its authorized dealerships, specifically XXXX XXXX XXXX and XXXX XXXX XXXX, for their misleading practices, unscrupulous behavior, and overall poor handling of my vehicle lease end and purchase process. 

Background : I am the co-owner, along with XXXX XXXX, of a XXXX XXXX XXXX leased from Nissan Finance. As the lease neared its end, I attempted to either return the leased vehicle or purchase it, starting from XX/XX/XXXX. However, my efforts have been met with consistent evasion, misleading information, and highly unprofessional behavior from the staff at the aforementioned dealerships. 

XXXX XXXX : XXXX. Misleading Sales Tactics : Despite clear communication regarding my intent to return the vehicle or explore options for a new lease similar in terms to my previous arrangement, dealership personnel repeatedly attempted to steer me toward unfavorable and unsolicited trade-in deals. 
XXXX. Failure to XXXX XXXX : On multiple occasions, after receiving direct assurances via phone and email that my concerns would be addressed, I was subjected to the same unhelpful and aggressive sales tactics, with no genuine effort made to resolve my situation. 
XXXX. Negligence and Potential Financial Harm : Most concerning is the handling of my visit on XX/XX/XXXX, after receiving a repossession warning from Nissan Finance. The dealerships staff ran my credit without achieving any result and proposed switching me to an inferior vehicle make, not aligning with the contractual agreement of having the option to purchase the leased vehicle. 

This series of actions demonstrates a pattern of deceptive practices and customer manipulation aimed at maximizing dealership profits at the expense of consumer rights and transparency. 

Request for Action : I urge the CFPB to investigate these practices and take appropriate action to ensure accountability and prevent further exploitation of consumers. I also seek assistance in resolving the matter with Nissan Finance directly, ensuring that my consumer rights are upheld and that any negative impact on my credit score is avoided. 

Please find attached all relevant communications and documentation supporting my claims. 

Thank you for your attention to this serious matter. I look forward to your prompt response and assistance in resolving these issues. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I mailed a letter to Transunion regarding the accuracy of an auto loan reporting on my credit. The date of the last activity is inconsistent with the other credit reporting agencies and I provided proof of that to Transunion. Transuionon proceeded to report that the account was reopened, which misrepresented my credit report and made it look like I had late payments when the account in question had been closed since 2019. This damages my financial outlook on buying a home and providing for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my Transunion report that I did not make. I have tried several times to have them removed. I did not make these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My ex-husband took out a loan on a shared vehicle after we separated. This loan was NOT mine and I did NOT receive any money from this loan. Additionally, when we divorced, my ex-husband was awarded the car and all debt attached to it, including this loan. When I reached out to the company directly about the loan, I spoke to a woman who told me she could not find any of my information in her system. I've not received debt collection letters or calls, or any proof that this debt belongs to me. I've attempted to reach out several times, and this $ XXXX debt is the largest debt on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection/debt appeared on my Experian Credit report, it was removed for reasons of No Contract, Not verified and at that time  XXXX   XXXX  did not have proper credentials/license to collect in the state of TX. Now, today  XXXX / XXXX /   2017  the exact same account was allowed to be placed back on my Experian report. After speaking with  XXXX   XXXX  and hi s manager   XXXX , I was basically told that they would not remove the account even though it had been removed by Experian after the last investigation proved the account was inaccurate/incorrect and remov ed by Experian. I filed a previous complaint with CFPB for this particular 3rd party collector, it was removed afte r the investigation
Product: Mortgage

I had been paying a mortgage for ten years and have never been a day late on a payment. I have been confined to a wheelchair all my life, so I had a lot of money tied up in home modifications so that I can get around. Back in 2013 my home suffered damage from a storm, My insurance was with the mortgage company. The insurance company wanted me to pay for the repairs out of my pocket then they would refund me after completion of the work, something I ca n't afford. I was forced to leave my home after ten years, forced to leave my job. I had to let the house go as it was not livable due to mold and unsafe structure. Since then they have been calling me harassing me at work and times of the day that I have clearly stated times that they can call me, they refused to comply to my wishes causing stress and embarrassment.
Product: Credit reporting or other personal consumer reports

I do not recall giving permission for these companies to release my medical information to a third party. 

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

XXXX EQUIFAX XXXX ALL FAILED TO REMOVE THESE FRAUDULENT ITEMS FROM MY REPORT AS REQUESTED. 

XXXX XXXX # XXXX XXXX XXXX
Product: Debt collection

I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX
Product: Debt collection

Mercedes Benz Financial Services billed me for an unreasonable amount at the end of my car lease. I wrote several letters to dispute the charges. They never answered, but instead turned me over to their collection agency. I wrote to the agency, included all the letters I had sent to MBFS, but they reported to the credit bureaus that this was a write off, damaging my credit score. Score was XXXX, is now XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference is in Response to report on time payments to all 3 Major Credit Bureaus ( XXXX, XXXX, Equifax ). 
XXXX XXXX XXXX failed to report Payment Status for XX/XX/2019 - XX/XX/2019. 
This should be reported or showing as paid on time. 
I want to know why they failed to report this to the Credit Bureaus? 
I have proof of all my payments and not limited to just dates of payments. 
With the interest rate they are charging me, failure to report my on time payments over 5 months is not an option that should be allowed. Im highly disappointed with the way Ive been treated and will do what I need to protect my credit rating. 
( RE : Equifax ) Sincerely XXXX XXXX
Product: Mortgage

This complaint is on behalf of my parents, they took a loan against their home with a fully paid-for home and a credit rating of XXXX my pops is a veteran, and they were paying XXXX interest, eventually, the rate after refinancing 2 times came down to XXXX Mom kept saying the bank was ripping them off. Every time that they would get to where they were no longer paying interest only the bank would tell them they needed to refinance, they were both in their XXXX and believed they had to refinance because the bank said so. Each refinances added more money they owed and they never received a penny it all went to fees etc. up to {$20000.00} A few months ago my mom passed and I took over caring for Pops, both my parents thought pops would have gone first and always said they had loan insurance so that the house would be paid off, so I looked into this with moms death, and find that the bank Wells Fargo had no loan insurance on mortgages, they refinanced at the same interest rate in 2021 taken moms name off as survive and co-signer, they made {$20000.00} dollars XXXX to my parents and increased the length of the loan, my pops would have to be XXXX yrs old to pay off the loan in addition to these issues it is a non-assumable loan .which means the bank will get the house no matter what, .My Pops is confused about the entire matter he said whenever the bank contacted him and said he needed to sign he went and signed. This is predatory I believe and this is wells Fargo
Product: Mortgage

flagstar is attempting to foreclose on my home with fraudulent assignments. they have refused to respond to my qwr and notice of error as well as my notice of default on the qwr.They are also guilty of volatilizing federal law regrading l dual tracking. the were corresponding with regrading modification, i mailed the complected work package back .but instead of modifying they refereed my loan the XXXX XXXX XXXX for foreclosure