23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ) since then the account has repeatedly been update as charged off every month. This is an update on payment history. A charge off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights I am demanding a deletion of the following account : -XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I sent money to my family in XXXX and Remitly is refusing to send the money. Every single day they call me with a new excuse as to why they cant send it. It is a lie. They are purposefully holding my money in hopes that they can make this situation more frustrating for me. They are scammers stealing peoples money. They need to be investigated immediately
Product: Vehicle loan or lease

Back in XX/XX/2023, I was ready to pay my car loan, like I have been doing since I purchased the car, without any delays from my part, however when I tried to pay my monthly payment, the account said closed, congratulations your car has being paid in full, tried to contact XXXX XXXX several times, and was unable to get the right information as why the account was closed, after almost XXXX  months of back and forth, they realized it was a mistake or a computer glitch by their side, once they realized that situation, the account was unpaid for all that time and I was unable to make any payments, well, now they want me to look for the hole amount of those almost XXXX  months, even though it wasn't my fault the account was closed, I even received a lien release, which I have as a proof of the car being paid off, all I want to do is, be able to continue making my payments, and take those late payments that it wasn't my fault to the end of the loan, or for them to give me a payment arrangement, but not, they don't want to do that, they want me to get all the money right away, almost XXXX which I don't have right now, this vehicle was purchased with my son as a co-signer and he took the vehicle to XXXX, as he's serving in the military right now, he's an XXXX, I'm completely disappointed with the way hyunday finance has handle this situation, thanks in advance for your help and support, i attached the copy of the lien release and also the congratulations letter for the payment of the full loan ... XXXX XXXX XXXX
Product: Credit card

Capital One has been publishing information into my credit report under false pretense due to being fraudulent and a result of identity theft.
Product: Mortgage

I am currently in the process of a refinance. Very clean /easy process, except ... the company I have a XXXX mortgage with XXXX Discover XXXX is listed XXXX on the deed of trust. Their mistake. My loan needs to go to funding like yesterday and ca n't move forward until a letter of re-conveyance is done by Discover. They said they ca n't get one out for another 3 weeks or so. This is causing me a financial hardship and not to mention, now discover will get another months interest/payment since we can no longer pay off the loan on time. As a matter of fact, my loan will not go through.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I recently pulled my Transunion credit report and noticed a numerous amount of hard inquiries on my report that was unvalidated and unauthorized. Below are the companies that ran my credit along with the dates of completion. 
1. XXXX  ( finance ) XXXX XXXX XXXX 2.XXXX  XXXX XXXX XXXX ( finance ) XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX 4. XXXX Bank XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX 5. XXXX acceptance ( Bank ) XXXX XXXX 6. XXXX XXXX XXXX  ( finance ) XXXX XXXX 7XXXX XXXX  XXXX  ( bank ) XXXX XXXX 8.XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX 9. XXXX XXXX XXXX XXXX ( finance ) XXXX XXXX 10. XXXX XXXX XXXX ( finance ) XXXX XXXX 11. XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX 12.XXXX  ( finance ) XXXX XXXX 13. XXXX ( finance ) XXXX XXXX XXXX 14. XXXX ( bank ) XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Friday night XX/XX/24 I purchased tickets through a travel agent XXXX XXXX   XXXX  with my cashcard provided by CashApp. This was for XXXX tickets for her entire family as a treat but company flagged it and did not issue tickets. The amount was pre auth but funds did not post. Money is now out of my account and I cant not use. I contacted CashApp became the contacted they released it back and would talk to bank to have the authorization to have payments returned so I can use the funds to purchase elsewhere. This is where things go wrong. CashApp does not have a customer service number do you to contact them. This in itself is crazy in todays world. You have to email them in the app and wait 24 hours for response. A lot can happen in 24 hours. Needless to say they are misleading consumers, taking their money, read the complaints about them online. My merchant wants fo speak to them to Expedite the case but they wont give me a phone number for a even an email for the merchant to reach out to them. Does not seem like they want to help at all. You can only get help within the app but no response for 24 hours of longer. You can XXXX  them and they refer you back to app. How does anyone get anything resolved if there is no customer service. Every other app has a customer service number you can use. This is truly unacceptable. 


Please help the consumers with this as this is not right. They are now allowing you to buy stocks and bitcoin but doesnt have a customer service number?
Product: Debt or credit management

Received a phone call asking if I was in need of credit repair. I listened because it was a free consultation. I then ended up agreeing to the service. I gave my bank info for a monthly fee of XXXX but tomy surprise I was charged XXXX. For paperwork and then XXXX. On the XXXX of the month next week I was charged by Global for a 3rd party fee of XXXX. I didn't know that I was going to say them not was the information From XXXX through XXXX I was charged XXXX. By XXXX XXXX XXXX XXXX. And also Global XXXX as well. In XXXX I caught on to the fact none of this money was going towards my debt. I then spoke with another credit repair named XXXX. They in turn took over my finicial repair and they charged XXXX. As well they in turned out to be just taking my money because in XXXX my bank account was garnished for lack of payment towards my debt. In XXXX when I spoke with my credit counselor she had no knowledge of the Garnishment and just wanted the XXXX payment. I fired them immediately. This is my downfall since then.y car was repoed and my account are all delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX Date of inquiry XX/XX/2020 XXXX  XXXX  Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XX/XX/2020 XXXX  Date of inquiry XX/XX/2020 XXXX  XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020 XXXX XXXX  XXXX of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX
Product: Credit card or prepaid card

This is the continuation of the CFPB complaint XXXX I submitted on XX/XX/2023 ( the " Complaint '' ). American Express National Bank 's response for the Complaint ( the " Response '' ) has not mentioned or answered any of my points in the Complaint, especially, American Express has not explained why it has never sued me in the court for the {$10000.00} debt it reported in my credit report ( the " Debt '' ), or claimed damages against me through mediation or arbitration for the Debt. American Express stated " We were unable to locate the interaction mentioned in your complaint. ", if this means that the Cardmember Agreement ( " XXXX '' ) does not include American Express ' rights to sue me to claim the damages caused by the Debt, American Express must promise not to sue anyone that do not pay their American Express credit cards and owe money to American Express.

Also, American Express stated in the Response that " The XXXX contains a Claims Resolution provision which explains how claims can be resolved through mediation, arbitration, or litigation. All Card Members must follow the Claims Resolution process outlined in the XXXX for all legal claims. We have enclosed a copy of the XXXX for your review. ", this is irrelevant to the Complaint as the Complaint did not claim damages against American Express, and the Complaint only requested American Express to sue me to claim its own damages caused by the Debt against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX me and my wife signed up for a debt consolidation agency ( XXXX XXXX XXXX ) to work with our creditors in settling our accounts ( credit card accounts ) we graduated the program in XXXX of XXXX and still to this date most credit cards have negative information on my credit report, some report derogatory, unpaid. I have signed up with TransUnion for $ XXXX because its the only way to report to them for inaccuracies on the credit report and still in XX/XX/XXXX this has not been solved or taken care of when I have provided all settlement agreements and proof of final payment between myself thru XXXX XXXX XXXX Program and my creditors. This has affected now my family way of living because we need to start looking into projects to fix our house or sign up for a lower interest home loan rate than the one we have. This is not fair that we over the past 3 years have paid thousands of dollars to settle our accounts and in the end it still hurts us financially.
Product: Checking or savings account

I was incapacitated due to XXXX and after a couple of automatic bill payments my account became overdrawn. Some of the " auto-payments '' were retried and my bank kept approving and reversing the payments and billing me for each attempt. In less than 4 days Fifth Third charged me over {$450.00} in fee 's on an account that was only overdrawn by {$300.00} dollars. I now have a negative balance of {$750.00}.

I've been a customer of Fifth Thirds for over 15 years, maybe more ( credit and checking ) and after speaking with an agent was provided no assistance or support. The agent who was clearly from an overseas call-center said he understood the situation and apologized as there was nothing he could do.

Fifth Third has also admitted to a posting issue where the mobile app does not reflect payments or pending charges and only shows " posted '' transactions leading to more customer overdrafts - of course they won't fix this issue because as most of us do banking on our devices, they'll just continue racking up the fee 's. 

Any help would be appreciated as I was laid off from work and am struggling to make ends meet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit line with Amazon XXXX. It was suddenly reduced from XXXX to XXXX because Synchrony Bank punished me for not having information it never asked me to provide in the first place. I called Synchrony Bank to dispute but was directed to XXXX. Synchrony Bank said it would return the credit line if it received notification from XXXX did not have a live person to speak to, but only directed to an automated appeals portal. The automated portal only kept sending me credit reports which appear on my credit report affecting my credit score. The automated appeals portal did respond to my inquiries. It was became a closed loop, systemically pushing me into a worse credit score through reducing my credit, tacking on credit reports and not providing dispute help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to notify the credit bureau AGAIN that I was an identity theft victim, I'm sending this complaint. The fact that I want to dispute unlawful items that are appearing on my credit report seems to be of little concern to the credit bureau. Since this is a clear violation of FCRA laws, I need the items deleted from my file as soon as possible. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit card or prepaid card

On the app XXXX XXXX, it shows me my credit score. As I was checking my credit score today, it showed that I went from {$100.00} in debt to {$660.00} in debt. I clicked on where it shows that I owe {$660.00}. It shows that there is debt ( {$560.00} ) on a capital one credit card. I have never used or owned a capital one credit card. I have one credit card which is with XXXX XXXX XXXX XXXX. It shows that this was reported XX/XX/2022, but I am just now seeing this. If someone could assist me and do something about this, I would appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXXXXXX XXXX XXXXXXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX XXXX XX/XX/21
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX keeps insisting that this account belongs to me but the address isnt showing any addresses Ive ever lived at & the date opened on this account is incorrect in addition to the active date being inconsistent as well as date of last payment being inaccurate. Even if this was my account it still has many discrepancies
Product: Debt collection

I informed the colection agency that at time of service, I was, covered by XXXX XXXX and VA emergency service. They. Still insist I owe the sum! Put a lien on my property some how with out my knowledge! Never notified of court proceeding.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, XXXX have a delinquent account on my credit without any merit declining my credit. XXXX XXXX XXXX XXXX XXXX on {$16000.00}. I contacted the companies involved with no response.
Product: Mortgage

I always make my payment online through my banks bill pay to my mortgage company Nationstar. On XXXX XXXX my bank XXXX XXXX sent a payment to Nationstar and it was rejected I did not know that. I received email form Nationstar that I was late and I called Nationstar to let them know my payment has already been sent to them my usual way by my bank and I see the debit in my account. I got XXXX XXXX on the phone XXXX way to confirm the payment. The customer service lady told me I should wait since it takes a couple of days for the payment to post. Yesterday XXXX XXXX, I noticed the credit in my account called XXXX XXXX and was told Nation Star has rejected the payment again XXXX times that was the reason for the credit and we went through verifying that my Nationstar account to be credited was correct. I called Nationstar and this time when I explained what XXXX XXXX said that Nationstar had rejected the payment twice, Nationstar proceeded to say the reason for the reject was because it has to be certified funds. I asked how certified does the funds has to be, cashiers check XXXX XXXX etc because I could not even make a payment on Nationstar website my account was blocked. I asked why was this not communicated to me earlier so I could have taken care of this sooner than now. I was told they send me mail. I said to them ever since my account was transferred to Nationstar all communications from us has been electronic why did they not send me such an important document the same way but chose to send it by paper mail. Bottom line is I have gone to XXXX XXXX today to make the payment I just do n't think I should be reported to the Bureaus as late when I made the effort to make a payment. If they had told me the XXXX time when I called that my payment was not going to be accepted that way because of the block on the account I could have taken care of the payment before it became late. I can not even refinance with Nationstar because of the late payment. 
If its XXXX intention for us to lose our home its not going to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax said they verified the bankruptcy through the court system and XXXX attached are letters from the courts stating that they don't verify this information and from XXXX stating that my file is frozen, the credit bureau is saying that they are verifying this information which is incorrect, please remove from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  amount owed XXXX, i have call XXXX XXXX repealtly and they will not give me no information on a item that they is reporting on my credit so i call on today XX/XX/2018 and the lady stated that they no longer in the account they it is sold to a collection agency and that i will have to dispute this account with the credit bureau in order from them to remove completely, because they states they no longer owns the account to report to be removed off my credit, so i asking all the credit bureau to remove off credit
Product: Credit reporting or other personal consumer reports

this is my 2nd request sending XXXX, XXXX, and Equifax a letters requesting documentation of the alleged late payments pertaining to 15 usc 1666, and a certified letter that was sent out 21 days before any alleged late payments was posted ( 15 usc 1637 ) 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

they have violate the TILA and requesting the account be updated to paid as agreed, never late or Deleted from my consumer report they are reporting inaccurate information as well, see attachment - 15 USC 1666e ( b )
Product: Checking or savings account

This is my 3rd time filing a complaint! I have been dealing with Bank of America EDD debit card account from California, Enterprise Resolution Department. The following is what happened to my account - as told to me my XXXX XXXX, Platform manager for Bank of America. The criminals set up a phone app, which allowed them to access my account and set up my account to automatically transfer money into a bank account that they set up. When the fraud was occurring i made numerous attempts to call Bank of America 's fraud department and anyone in Bank of America edd debit card account in California. Also, I never had a phone app set up and never set up transfers out of my account. XX/XX/XXXX first time criminal took {$5000.00} out of my account, then XX/XX/XXXX {$4400.00}. I shut down my debit card immediately and would never have access to my account after doing this. XX/XX/XXXX credited my account, XX/XX/XXXX criminals stoled the money. I still don't have access to my account XX/XX/XXXX my account was credited I believe, and the criminals immediately had it transferred out. XX/XX/XXXX again credited and immediately stolen. I have continuously contacted the Edd debit card branch. Also, filing letters with Attorney General and Congressman XXXX XXXX and the FBI and the XXXX XXXX police department. Again, I never set up a transfer on my account which I was constantly trying to tell them to remove it. Every time they refunded my account it alerted the criminals on the phone and it would be automatically transferred into the account they set up ( So I was told by XXXX XXXX ). He said he was going to work on having a check cut and sent to me after they closed my account. The only check I received was for XXXX cents. I have explained my self to different representatives from the Resolution department, they all seem to understand, but yet they don't call me back. They have someone else call me back and it is the same response that they have closed my account and it is resolved. Yet I have never been reimbursed the money that was stolen and I paid taxes on this money, since after talking to the IRS, they explained to me I had to still pay taxes and the fact that it was stolen has nothing to do with taxes. So here I am again filing another complaint, I have reached out to try and find a lawyer who is representing consumers who have gone through similar issues with this EDD debit card accounts Department of Bank of America in California.
Product: Vehicle loan or lease

The loan was refinanced and paid off by another financial institution in early XXXX of XXXX, in XXXX of XXXX we received notice from the new institution that they still have not received a copy of the title/lien release XXXX Since then I have called MULTIPLE times to send the information over. They declined to send it to me, they required my new financial institution to be on the phone for permission to send a copy of the title/lien release and also declined to use express shipping with tracking information so we could verify delivery. This has been an extremely frustrating experience and has been over 6 months of calling them over and over. I have had to file a couple extensions with my new lender so my loan rates don't get raised in the process. It is now XX/XX/XXXX and we still have not resolved the issue. In my several phone calls, I was polite and straight forward with what was needed. The previous lender seemed lazy and shady at times not giving me information I was requested to try and get this process over with. I was hung up on MULTIPLE times over the phone trying to deal with the situation which only frustrated me more. At this time I can only persuade people not to do business with this lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the latter part of XX/XX/2018, I submitted a dispute to the 3 major credit reporting agencies regarding me being a victim of Identity Theft, this type of dispute is unique in nature as the FCRA sec 605b states that identified fraudulent items should blocked in 4 days. Not only did none of the agencies block the accounts, they didnt contact me with any updates either.