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

This is to follow up the presence of these late open accounts inaccurately reflects my financial history and has the potential to adversely impact my creditworthiness and financial opportunities. Despite my persistent efforts to address this matter, it is disheartening to encounter continued obstacles and delays in achieving a satisfactory resolution. This recurring issue not only causes me significant inconvenience but also undermines my trust in your organization 's ability to manage such matters competently and effectively. It is unacceptable that despite multiple attempts, the late open accounts remain unresolved, raising questions about the reliability and accuracy of your record-keeping processes. I urge you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open account entries on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct these accounts in my credit file 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 card or prepaid card

This complaint is about Barclays Bank Delaware. On XX/XX/XXXX I made a purchase in the amount of {$2200.00} to my Barclays Aviator card ending in XXXX. On or around XX/XX/XXXX Barclays notified me that that card had been compromised and that they would need to send me a new card. Shortly after I received a new card ending in XXXX. I have had the exact same phone number, mailing address, account log-in for both cards the entire time. On XX/XX/XXXX the merchant for the transaction referenced above sent a refund. As of XX/XX/XXXX I had not seen the refund reflected in my account, I never received an email, phone call, or postal mail informing me that Barclays had this refund due to me. As I mentioned, none of my contact information changed and Barclays had the ability to refund me these funds due or at the very least contact me in some way. This was 18 calendar days ( and 11 business days ) after the refund was sent. I called Barclays Customer service on XX/XX/XXXX to inquire about the status. The customer service representative immediately saw the transaction I was calling about, confirming what is clear : Barclays had this refund, knew about it, and knew how to reach me. The customer service representative offered to resolve the issue. On XX/XX/XXXX, 6 business days after my call, I still had not received the refund or any notification from Barclays. Therefore, I submitted a message in my account " Contact us ''. I have continued to follow-up with them with no resolution. They also keep changing the timeline for when this will be resolved. I am attaching the initial and all follow-up conversations to this message. As of today, it is over 30 days since that refund was sent and I have not received it and I have not received information telling me when I will receive it. I was told on XX/XX/XXXX that a manager would call me in " 24-48 hours '' and they never called. I followed-up again on XX/XX/XXXX and then I was told " it can take up to 72 business hours '' for a manager to call. The bottom line is, they are not sending me the {$2200.00} they owe me, and they keep changing timeline for when a manager is going to reach out to me to resolve. I don't need or want a call from Barclays at this point ... I want the money they owe me. A multi billion dollar bank should not be allowed to hold individual 's money this long for something that is an ALL ELECTRONIC transaction when they KNOW how to get in contact with me.
Product: Debt collection

I attempted to address an incorrectly reported debt with MRS BPO, L.L.C. but was informed the debt had been transferred again to another company and would need to be resolved with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my file disclosure from LEXISNEXIS RISK SOLUTIONS ( LNRS ) on XX/XX/2022 through the CFPB and they sent an email to me through their consumer center but misspelled my name and my email thought it was an unsafe email and put it into spam. I didn't notice the email until the CFPB notified me on XX/XX/2022 that LNRS told me they contacted me through email on XX/XX/2022 and that I didn't answer so they closed the case. LNRS suggested I go directly to them to make my request but I don't feel safe or trust that their actions are done in good faith. In the email I received they already broke federal law by asking me for my SSN and asking me for other private information that has nothing to do with verifying my identity. I want them to take their grave responsibility as a CRA seriously.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete and remove all inaccurate information on my credit profile That is hindering my file. all of the accounts listed on my file are reported as identity theft. my information was tampered with an does not comply with FCRA listed on my credit report.please review an remove the listed items asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX }
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block Inc. ) Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.
Product: Vehicle loan or lease

Harrassment dealer refused to accept payment XX/XX/2019. My account is currently paid. I have a payment due today XX/XX/2019. I recieved a visit today XX/XX/2019today from auto task force harassing family about vehicle. This dealer cactus jack intentionally tries to attempt to force you to default on payments. This dealer never mentioned the vehicle was in accident before also. This shady practice of attempting to force default instead of encouraging payment. Then to send someone to my home with fake legal documents about the vehicle that is not behind.
Product: Checking or savings account

I have had sofi bank since XX/XX/XXXX, i current get a XXXX affairs dept pension for my deceased XXXX spouse for myself and my kids. 
I trusted sofi bank to handle my funds. 
But starting XX/XX/XXXX whenever my direct deposit went in, it seemed like i supposedly " spent '' alllllllll XXXX within a week. 

But i knew in the back of my mind, something didn't feel right. So today XX/XX/XXXX. 
I looked at my sofi app, and it showed a box with cash flow per month. 

I get about XXXX a month, usually paid end of the month before. 

So this month i was paid XX/XX/XXXX, for XXXX. 

So the way i saw and understood it. 

my direct deposit of XXXX plus another deposit of XXXX equaled XXXX starting balance of XXXX then cash flow up to this point being XXXX leaving me with XXXX to spend from this day on being XX/XX/XXXX. 

But as of this moment my acct is overdrawn XXXX I have talked to XXXX different customer service representatives at sofi bank, and have also emailed the ceo XXXX XXXX. 

This is the only month this has happened. 

I opened this account bank in XX/XX/XXXX, according to the sofi app. 

I should have approximately XXXX in my savings account. And i have not had any in or out transactions from that savings account since XX/XX/XXXX. 

XX/XX/XXXX i should have had a surplus of XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Which equals XXXX of my deposits over XXXX  months is missing into thin air. 
My deceased husbands hard earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I tried paying my home equity monthly mortgage with Nationstar/Mr. Copper over the phone with THEIR IVR system ( auto payment over the phone ), it would not allow me to make the payment, it kept kicking me out of the system. I made several attempts to make the payment ( this is the same process I've used for the past several years ) with the same results. I tried contacting Mr. Cooper on XX/XX/XXXX and due to the holiday they must have been closed. I was finally able to contact a customer representative on XX/XX/XXXX, to make a successful payment and explain that THEIR automated phone system ( IVR ) was not working and I was concerned of a negative credit reporting ( my current credit score was XXXX ish ), I was informed by the rep not to worry about it that " THE SYSTEM HAS BEEN KNOWN TO HAVE PROBLEMS '' and not to be concerned he would make a note on the account. 

Approx a month later after getting a credit report update noting that my score had dropped approx 100 points!, I contacted Mr. Cooper. I was informed by the first rep that there would be a email sent to the " research dept '' to investigate and someone would follow up with me. No follow up ever happened. I then reached out several more times to Mr. Copper to resolved with more statements stating the research dept was handling it. In the mean time I submitted disputes with XXXX, XXXX and XXXX. I contacted Mr. Cooper and was informed on XX/XX/XXXX by XXXX ( rep ) out of XXXX, Texas that my problem was resolved. I asked for what exactly that meant and was informed that the negative hit was corrected. I then received statements from Mr. Copper stating they received inquiries from XXXX, XXXX and XXXX and to follow up with them on the results ( attached ). Mr. Coppers " research dept '' does not accept phone calls or has any direct communication with their customers. These statements do not show any resolution, just to follow up the agencies. 
I then contacted Mr. Cooper again and was informed yet again by another representative ( XXXX ) that the problem was resolved in my favor and it might take a little while for the credit agencies to report the " correction ''. After waiting and not seeing a results I contacted XXXX and was informed they did not correct the problem and the negative hit was to stay. 

I'm beyond frustrated with Mr. Cooper, to extent of consideration of to closing my account. 
I take my credit rating very serious and to have it drop as it did due to a failure with their system seems unfair. I'm hoping this gets resolved before hiring a attorney and contacting the B.B.B. In one of their statements ( attached ) I was suppose to have a " Dedicated Loan Specialist '', XXXX XXXX, whom I was pretty much blown off by him, with no care to customer service. 

I'm also attached a doc of my banking statement which shows my payment completed successfully with my primary mortgage company on XX/XX/XXXX. I make these payments at the same time every month. 

Please assist in any possible way to resolve this matter.
Product: Credit reporting or other personal consumer reports

I've submitted disputes regarding XXXX XXXX XXXX reporting 30 day past due and late on my credit reports and a member of XXXX called to confirm there was a mistake on their end and that the adverse reporting would be fixed, however, upon checking my credit on XXXX Equifax and XXXX, I am seeing only 1 bureau has updated my payment rating and removed the late payment and that all bureaus have not raised my scores to its respective states before this adverse action was mistakenly taken by XXXX XXXX XXXX. 

In the month of XX/XX/ I sent a Billing Error Notice to XXXX XXXX XXXX : Under Regulation Z 1026.13 Billing error resolution. 

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : Official interpretation of 13 ( d ) Rules Pending Resolution ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date Hence, the payment was withheld until my issue was resolved, the issue has still not been resolved but I opted to pay the full balance and yet it was still reported that I was past due. When I attempted to re-dispute this information with the bureaus, I am only seeing that the dispute was complete but no significant raise to my credit score has been provided and no removal of the past due status in the month of XXXX has been removed. This is a direct violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit file and unfortunately found incorrect information that I have previously disputed with the Credit Reporting Agencies. They have failed to verify the numerous inaccurate accounts and information listed on my credit report. Under the FCRA 15 U.S.C. 1681i all unverified accounts must be promptly deleted. 
XXXX XXXXXXXX ( XXXX ), ( XXXX ), ( XXXX ) XXXXXXXX XXXX ( XXXX ) XXXX  ( XXXX ) XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXXXXXX XXXX  ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report from the three credit bureaus XXXX, XXXX, and XXXX. I've notice that these three unauthorized inquiries that I have challenged on multiple occasions hasn't been removed from my credit report. The following unauthorized inquiries are : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I have never applied for credit with these on these dates, furthermore I have never applied for credit with XXXX period.
Product: Checking or savings account

PNC bank purchased BBVA and on XX/XX/XXXX stopped all access to accounts via email to accomplish the cutover by mid next week. From XX/XX/XXXX to XX/XX/XXXX I had no visibility of my accounts. I made numerous phone calls and visited the branch bank where I could at least get some info. Only by accident on XXXX XXXX, while checking my account did I see visibility of what was in each account. No email or phone call telling me it was fixed. With out my checking myself I would have never know it was fixed. It is unheard of for a major bank to XXXX up a conversion this bad. They admitted in a phone conversation that they had attempted to do the conversion with in house IT people, FIRST MISTAKE. 
SECOND MISTAKE, not providing an apology or compensation to affected customers for their screw-up. I have since removed most of my money and am contemplating closing the remaining three accounts. So far a terrible bank to do business with.
Product: Bank account or service

When I opened up my account, I requested not to have overdraft protection, as I understand that Wells Fargo pays for it and I would be charged overdraft fees.Wells Fargo did not comply with my request. Consequently, I have been charged {$35.00} in overdraft fees for a transaction {$100.00} paid to the XXXX Superior Courts & an additional overdraft fee of {$35.00} for the processing fee XXXX Superior Court charged me of {$2.00}. I believe the overdraft fee should not exceed the actual transaction amount. It is unfair that I am trying to pay a traffic ticket and the bank charged me {$70.00} extra for the way my transactions posted to my account even though I had money on the day of the transaction. In addition to this transaction, I was charged another {$35.00} for a debit transaction made to XXXX XXXX of {$3.00}. The day I swiped my debit card I had money in the account. I know this because I checked right before arriving at XXXX XXXX. How is it that I was charged the {$35.00} two days later for a debit transaction I had funds for when I made the transaction. I understand Wells Fargo system generates the fees, but a human being created the system to work this way. It is unfair that Wells Fargo selects who they want to waive the overdraft fees for. It should be illegal to charge some customers overdraft fees and not others for the same cause. Wells Fargo continues to make a profit on overdraft fees while their customers struggle to bring the account back to positive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report and found that XXXX, TRANSUNION and XXXX is is engaging in unlawful extortion means by knowingly furnishing false and misleading information while having reasonable cause to believe the information is inaccurate. The United States XXXX XXXX XXXX XXXX XXXX has verified that they are not and do not furnish bankruptcies to consumer reports. Furthermore, I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to XXXX, XXXX and TransUnion pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). My consumer report does not include a report containing information solely as to transactions or experiences which means the bankruptcy furnished is a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). XXXX, TRANSUNION, and XXXX has caused harm by furnishing inaccurate information on my consumer report. According to 15 USC 1602 ( p ) the consumer reporting agencies do not have actual authority for such use of my credit card defined under 15 1602 ( l ) and I received no benefit from this unlawful transaction. This transaction was not initiated by me which is a violation of 15 USC 1681b ( c ) and 15 USC 1681b ( 2 ). Without lawful authority, by using means of my identification the consumer reporting agencies are committing aggravated identity pursuant to 15 USC 1681a ( q ) ( 3 ). Verified responses has proven that the consumer reporting agencies arent being impartial when it comes to respecting my right to privacy. Conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1
Product: Mortgage

Hello - My mortgage was sold to Mr. Cooper in XXXX and based on XXXX Mortgage servicing transfers. I had called in XXXX once i was informed of this change to confirm with the company that I will pay in XXXX per the servicing transfer 60-day rule. The company confirmed that it would be ok. However, i got the attached notice of default from Mr. Cooper. I have also been getting late notices by email with threats of late payment that are also attached.

I also became very concerned about this transfer and how well this company follows the laws given their history of lawsuits when i XXXX  them about unlawful servicing fees and data breaches due to their lack of proper controls.
Product: Vehicle loan or lease

I submitted a complaint to the CFPB on  XXXX   XXXX ,  2017. The or iginal complaint is attached for reference. In that complaint I stated that my husband and I had an auto loan throug h Wells Fargo Dealer  Services. The vehicle was in an accident on  XX/XX/2017    which resulted in a total loss. The insurance company paid the claim in  XXXX  and the service contract was cancelled which produced a refund being sent back  to Wells Fargo. Eve n with these payments, there was still a balance left due. I called prior to the payments being made and was told th at Wells Fargo no lo nger allows their consumers to restructure the loan even when it is a total loss. I then asked about settling the balance that would be left due. They told me they would not talk settlement until the payment from the insurance was received. I called once it was applied to our account and spoke with  XXXX  in the total loss department. He was supposed to be checking with his supervisor regarding the settlement amount and then get back to me. I called 6 times in th e 3 wee ks following that conversation and never received a call back. Then it was reported to the credit bureaus that we were 30 days past due. I also stating in my complaint that they were not to be calling my husband for collections because he works a grave yard shift.    Wells Fargo  responded to our complaint by stating we signed a contract and were obligated to pay this but we could refinance the loan through them. This is not correct as I tried to do this before the insurance company even paid out the claim. She also did not address any of the other issues I raised in my complaint. I was trying to work with  Wells Fargo to  resolve this issue, but I am unwilling to work with them anymore if I can not get anyone to call me back. I believe they damaged our credit as a scare tactic to try and get us to settle for a higher amount.   I also disputed the negative reporting on our credits because we are not actually late. With the payments from the insurance company, we are actua lly 3+ y ears paid ahead. Their response to the dispute was to change the reporting in  XXXX  to be " not reporting '' and  XXXX  to be 30 days past due. They are erroneously reporting to the credit bureaus and not bothering to actively resolve my dispute with the CFPB.   If, after this complaint, the issue is not resolved to my satisfaction, my husband and I will be filing a lawsuit for not only the remaining amount due on the loan, but damages for the negative reporting on our credit as well. Judging by the amount of complaints I have seen with the CFPB against  Wells Fargo  for similar issues, we could definitely make this a class action lawsuit. I would appreciate it if Wells Fargo responds to this complaint that they actually respond to the issues raised in the complaint instead of disregarding the complaint by responding with a blanket response that does not fix any of my issues.