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

This can go in tandem with complaint XXXX. 
Ever since Vystar Credit Union went to their new website, I have not been able to use the XXXX service associated with Vystar. I went into two different Vystar branches to address this problem while I was visiting in Florida. One was in XXXX, FL on XX/XX/XXXX and the other in XXXX XXXX on XX/XX/XXXX. The XXXX visit resulted in no help and the XXXX XXXX visit was equally bad. The teller in XXXX XXXX said XXXX was working with Vystar and did a transaction. I said I couldn't do it and had e-mails to prove it. They were of no help. 
A payment failed on XX/XX/XXXX for {$480.00}. I thought they were still having issues with their new internet banking so I gave it a month to resolve. On XX/XX/XXXX, I tried once again to send and request money through Vystar and XXXX. Once again, the transaction failed. This time, I got the following error message : " The email or mobile number youre using with XXXX must be associated with an account. Please go to Profile Settings to choose a deposit account. '' When I went to the settings, I found out that MY legitimate e-mail and phone number associated with the account was suspended! I have NO idea why and EVERYTHING worked perfectly fine BEFORE Vystar switched to their new internet banking system. A Vystar representative did reach out to me about the other complaint. I did make known my disappointment with the new internet banking system and the process that was used to bring it online. She understood, but could not offer much help. I will call again on Monday to ask about this ongoing issue since this was the FIRST time I actually got the error message. It's unfathomable that their tellers don't know about these issues and in fact, I was told by tellers that they don't blame me and fully understand why I took the majority of my funds out of Vystar. My wife and I really loved and were loyal to this credit union and to be treated like this... to have ALL customers treated like this is totally out of character for a company with so much history in the state of Florida. I also handle my mother-in-law 's financial situation and may encourage her to drop Vystar too.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  states that XXXX XXXX has provided them a copy of my credit file that states that I have a chapter XXXX bankruptcy that was discharged with the reference # XXXX. I spoke with a representative at XXXX XXXX who stated that this information was not sent to Experian or XXXX  and that this record is not on my XXXX XXXX file. Someone is furnishing incorrect information that belongs to my father XXXX XXXX XXXX. I have been trying to get the situation cleared up with Experian and XXXX  for 2 years and they have failed to investigate this issue and remove the record even with proof from the bankruptcy court in question and a copy of my XXXX XXXX report from XX/XX/XXXX. This is my second or third complaint filed on these companies and each time they close the complaint with promises of investigating it then closed the dispute out without fixing anything. In fact they rotate between saying that the court verified this information then XXXX XXXX verified it. I've contacted the court and they continue to say that they do not report records so that's a lie.. I've also contacted XXXX XXXX who say that they do not report this information.. which is another lie.. Stop ruining people lives and understand that it is you'll civil duty to remove this record because it does not meet the FCRA guidelines.. Warning false and misleading reporting is a violation that I can seek compensation for!
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified these items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed... 
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ******* XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I wrote to Bank of America requesting they update the information on my credit report. In addition to my letter, I provided with several documents verifying my personal information such as copies of my driver 's license, social security card, a XXXX utility bill reflecting my address and phone number. On XX/XX/24 they responded to me requesting that in order to further assist me they require additional information such as the account number of the entry in question, my name, address, and phone number all of which I had provided in my original correspondence to them. Please note, my original letter also included the account number in question.
Product: Debt collection

The synchrony Bank and Paypal stole money from my personal checking account which only contains SSA direct deposit benefits which are exempt. They were stealing XXXX per month and this went on for no less than 2 years. They had no court order and did this while my access to Paypal Credit was blocked by paypal the Bank was taking the money from Paypal as the bank had no info to do this but the partaking in this makes this a crime. Conspiracy is a very serous charge in the stealing of protected money without a court order. 
Then They never took the amount they stole from my Paypal credit balance. Now they report this amount to the IRS and that is false reporting of money not owed and disputed. I will be contacting Legal Aid as this is wrong XXXX on a 1099c that is false information.
Product: Debt collection

I am formally disputing the reporting practices of Credit Acceptance XXXX related to my account number XXXX. 

In my communications with Credit Acceptance XXXX, I learned that the vehicle associated with this account was repossessed and subsequently sold. As a result, the account was closed as of XX/XX/year>2022. Despite this closure, Credit Acceptance XXXX continues to report an outstanding balance of {$14000.00}, along with notifications that I am over 120 days late. This reporting is misleading and inaccurate, as no payments should be due on a closed account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), a furnisher of information must not report inaccurate information to consumer reporting agencies. Additionally, the FCRA requires that information reported must be accurate and up to date. Continuing to report an account as overdue after it has been closed and associated with a repossession violates these legal obligations. 

I have already sent a letter to Credit Acceptance XXXX outlining these concerns, but I have not received a response. Therefore, I am requesting your assistance in resolving this matter. I ask that you investigate the potentially unlawful actions of Credit Acceptance XXXX regarding their reporting of my account. 

Moreover, I respectfully request that the CFPB ensure that Credit Acceptance XXXX ceases all inaccurate reporting related to my closed account to the credit bureaus, and that they provide written confirmation of the cessation of reporting. 

Thank you for your attention to this matter and for your assistance in protecting consumer rights. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

*There are numerous collections and fraudulent accounts that have been sticking to my credit profile affecting my credit * Debt collection agencies have been harassing me for payment for accounts that were reported as not me * Debt from fraudulent accounts and bills reported on my credit that's also not belonging to me * I have payed numerous credit repair agencies lot 's of money to fix these collections and fraudulently open accounts and no results * There was Payday loan opened up that was not me * delinquent account for also a Vehicle loans or and leases XXXX XXXX XXXX XXXX ( Original Creditor : SPEEDY CASH XXXX ) XXXX  Date Opened : XX/XX/XXXX Balance : {$300.00} Account information disputed by consumer under the Fair Credit Reporting Act XXXX XXXX XXXX Date opened : XX/XX/XXXX {$5900.00} XXXX XXXX XXXX XXXX $
Product: Debt collection

XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.
Product: Vehicle loan or lease

On XX/XX/2023 I opened XXXX XXXX XXXX, with a co-borrower with XXXX XXXX  to secure a brand new vehicle. XXXX XXXX XXXX purchase required a near $ XXXX down payment. On or about XX/XX/2023, the co-borrower who resides in XXXX requested the title be sent to them to transfer the title from XXXX XXXX XXXX, despite knowing that the vehicle was being picked up in XXXX and transferred to me and refinanced to me solely. They had also contacted XXXX XXXX on this refinance. On XX/XX/2023, XXXX XXXX XXXX was closed refinanced into XXXX XXXX XXXX, with me as the sole borrower. On XX/XX/2023, XXXX XXXX sent the hard copy title to co-borrower of XXXX XXXX XXXX. I was never made aware that this took place until XX/XX/2023, when I received a letter stating that my request for the title on my loan was honored but the title was never returned to XXXX XXXX. I called and explained I never received the titled and was told that I requested it on the previous loan. When investigating further I was told the previous co-borrower had made the request and it was sent to XXXX and I would need to retrieve it from them. I explained that given that my loan was closed on XX/XX/2023, the request should not have been honored from someone NOT on the loan and it violated the agreement that I have with XXXX XXXX that they have to secure my loan. I was told it was my problem. Since XXXX of 2023 I have gone back and forth with XXXX XXXX and obtained no help except to continue to make payments and have been unable to sell the vehicle which has a defect in the electrical system and is undriveable for months. I've asked to go into arbitration and have gotten no where with XXXX XXXX, I've gone to the GA XXXX XXXX and they explained to the person on the XXXX XXXX line that only a Title Bond can resolve if they can not obtain the original title or obtain a signature from the original co-borrower, however it is not something I can resolve since there is a lien, that the lienholder has to resolve it. I can not stop payment or my credit will be impacted and you can not speak to anyone directly in the collateral department at XXXX XXXX, and the people who say they're in XXXX won't read the notes, just get rude and tell you to figure it out.
Product: Credit card or prepaid card

In XX/XX/XXXX, I opened a CareCredit account backed by Synchrony Bank. I did this at a XXXX  office. It was on a promotional offer for 0 % interest for 18 months. I ca n't see the original amount because my online statements only go back 12 months. <P/>I immediately went home and called CareCredit. I informed the rep that I wanted to configure my payment account to automatically pay it off on time. I told the rep I have money and I do n't need credit and the only reason I took this account is because it 's free. I asked the rep " So on XX/XX/XXXX, this will be paid in full with a balance of {$0.00}, right? And the total lifetime fees and interest will be {$0.00}, right? '' and the rep confirmed my calculations that yes it is as I said. <P/>Over time, I saw the monthly payment amount being automatically calculated, and reducing as the balance was reduced. So I thought that meant everything was on plan according to the rep 's instructions. <P/>Now I see that it was n't so, and I am joining the legion of people on this site who were misinformed in a predatory bait-and-switch effect. In XX/XX/XXXX, CareCredit instantly charged me all the retroactive {$890.00} in interest plus about $ XXXX/mo ongoing interest, putting my balance back up to almost its original amount, as if I effectively have to pay my medical bills twice. <P/>I just now found this out in XX/XX/XXXX because I thought the balance had been completed. The online statement history only goes back 12 months! So I called CareCredit on the phone and even the manager was belligerent and rude, as so many people have said on this site. He told me six times that I had configured my account wrongly and told me what I should have typed in, and that there 's nothing they can do. I asked him to quit repeating that, and tell me who I can escalate to -- so he repeated it again and again. I received not one single concession, no path of escalation, no recourse, not one word of options -- just blame. <P/>I have never dealt with a credit card company that 's this obstinate, and with such a losing attitude. I escalated again, but I do n't expect to be called back or to be given any options at all. <P/>The account has never been late or had fees other than interest, and everything has always been " paid as agreed '' status. The current balance is {$1900.00}.
Product: Credit reporting or other personal consumer reports

Please see attached. 

XXXX is in violation of my consumer rights by an unauthorized reporting of a late payment to my consumer report. I have attached a supporting document citing FCRA law USC 1681b- Permissible purpose of consumer reports. I have reached out several times to XXXX to resolve this and they refuse to adhere to my consumer rights. I would like for XXXX to honor and demonstrate their commitment to the law by granting my request and removing the late payment from my consumer report. I work very hard to improve and maintain my overall credit history and demonstrate my consistency of being a credit worthy borrower. I do not appreciate that history being jeopardized and having my consumer rights violated.
Product: Debt collection

I have been contacted by a debt collector that refused to provide me with the proper documents I requested. I keep getting calls stating the I must I identify and verify everything before they can give me any information. I asked for a validation letter, a purchase agreement and/or an assignment of debt. I also asked for a 1099 if the debt has been reported as a charge off. so far I have not gotten anything others than calls. they are reporting on my credit files as open accounts or verified accounts with no merit.
Product: Mortgage

This is related to a major loss to my property in XX/XX/2019 -- a very large tree fell on my house in abnormally high winds. The insurance cut a check to me and my mortgage holder as soon as I had a repair estimate ( XXXX XXXX ). It was for approximately {$220000.00}. Subsequently with additional findings of substandard foundation and other code requirements, the amount was increased to $ XXXX. 

I have had unbelievable difficulties getting Rushmore to release funds to my contractor to pay for work that is already complete. The contractor is currently out of pocket {$100000.00} and we have passed an inspection showing 85 % complete but the contactor has only been paid 56 %. It should be very straightforward to release the remainder due. And yet I can't get Rushmore to release a check. And I can't get beyond a very limited scripted brick wall customer service of the available agents. The contractor won't come back to the job until he's paid. So, for the THIRD time on this round only, I am to wait for two days for Rushmore to call me back.

For every payment Rushmore has provided on this loss, my contractor has had to wait more than a month -- the inspections come in with completions but it takes multiple calls for Rushmore to release money and I don't think we've received even one payment within one month.

The contactor I selected does insurance work only. He has worked with multiple banks and this he says is the worst experience he's had.

They have probably delayed my job a cumulative of 6 months at this point by mistakes, multiple calls with no results, no customer service, unkept promises, supervisors who are supposed to call but never do ; agents with limited knowledge and very small scripts. They are ruining my life. I may not be able to afford this house that I've owned for twenty years when it is done, because it's been almost two years and my insurance limits have been reached on replacement living costs, so I am losing money. But no recourse at Rushmore.

If I was making late payments to them, they would charge me exorbitant late fees, but what recourse do I have when they don't release money that is not theirs!! AS far as I am concerned, they are stealing from me!
Product: Mortgage

This complaint is regarding my mortgage company, Carrington Mortgage Services. One month ago ( XX/XX/XXXX ), I submitted a request for mortgage assistance as we have fallen behind on our payments due to my husband being out of work for several months after having XXXX and being quite ill and unable to work. I am requesting either a modification or a longer-term formal repayment plan. I faxed them every single document that they requested of me. I have been working with XXXX XXXX in the advocate office at Carrington and he told be back on XX/XX/XXXX that all of the documents had been received and that they would be in touch with me if they needed any further information or documents from me. It is now about to be XX/XX/XXXX and I have not received one single ounce of communication from Carrington regarding my request for assistance, not a single word at all. I have called XXXX XXXX every single day this week and he keeps telling me that there have been absolutely no notes put into my account and that he has no idea what is going on or what the status of my request for assistance is, even though it has been an entire month since I sent them the request for mortgage assistance documents, including mine and my husband 's pay stubs, bank statements, utility bill, tax forms, a letter explaining the circumstances that caused us to fall behind, and the paperwork that they sent us to fill out. XXXX XXXX has been telling me for the past 4 days now that someone would be calling me to follow up, but no one ever has. I have not even received anything in the mail from Carrington confirming that they received my request for mortgage assistance, which I thought they legally had to send. I am getting beyond fed up with their nonsense and demand to be updated as to what is going on. My husband has since returned to work and we are able to afford our regular payments again, but is getting caught up on our past due amount that we need assistance with. I can not believe that Carrington has not communicated with me one single time since I submitted the request for mortgage assistance an entire month ago. Totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, XXXX, AND XXXX HAS XXXX XXXX XXXX ON MY ACCOUNT FOR XXXX DOLLARS NOW I CAN'T MOVE I WANT TO SUE ALL OF THEM THEY ALSO HAVE XXXX XXXX REPORTING LATE PAYMENTS WHICH VIOLATES MY CONSUMER RIGHTS. I DEMAND MY CREDIT REPOT BE UPDATED ALL OLD INFO OF NAMES AND ADDRESSES BE TAKEN OFF IMMIEDIATELY. XXXX ALWAYS KEEP OLD INFO ON CREDIT REPORT AND THE DISPUTE PROCESS IS ALWAYS IN FAVOR OF THE COLLECTION.
Product: Checking or savings account

Hello to whom this letter may concern, My name is XXXX XXXX last 4 of my socialXXXX I applied for a navy federal account where they gave me the run around for weeks about documents and i had to call in over 50 plus times to make sure they had the documents. I finally get a navy federal account and I noticed that they didn't even put my XXXX dollars that I sent over for my bank account to be open. So i decided to go in a branch where me and my brother XXXX XXXX ( sponsor ) went into the branch and I tried to pay it only to find out that my account had been closed .No reasoning or anything just some information that was incorrecta simple mistake that could have been fixed. Instead, they decidedto restrictmy account. I explained I didn't know what the issue was as I have never had a accountwith navy federal this has left me in distraught as I closedmy bank account with XXXX  and was planning on movingmy business accounts to navy federal now im outof luck I'm asking can you guys please look into this issue the correct way. I have never heard of a bank to ever do this in my entire life .Please I'm asking that you guys unrestrict my account I never had any problems with any bank this was my first time. My child father who is in the XXXX suggested that I get a Account because it would be easier also for him to send payments wile XXXX XXXX XXXX and set up our child rust fund. This has really put a toll on me
Product: Debt collection

I purchased a XXXX XXXX from the vendor in XXXX XXXX. At their suggestion I financed the purchase with a deferred payment option loan. ( the loan was granted by GreenSky ( this company is related to XXXX Bank ). The original loan was granted XX/XX/XXXX and was due XX/XX/XXXX ) Attention information Application ID XXXX Acct # XXXX The loan was suppose to be a differed interest loan ( see enclosed general purchase document with notation ref type of loan " Deferred Interest Plan '' " Total Prom Purchase Balance {$6900.00} ) See enclosed scan document I then received a bill from GreenSky See enclosed this is an attempt to collect a debt. See enclosed scan document I immediately wrote them telling them no amount should be owed due to the type of loan received. I also told them to stop sending the notices. See enclosed scan document I the received a XXXX statement with an outstanding balance above the orginal purchase balance. See enclosed scan document