23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have made several attempts to register on line for autopy and each time get this response " A system error has occurred. Please try again later. '' Yet I am mysteriously able to make a manual payment using the same payment account information ( routing number and account number ). 
I recently was late as I thought my auto payment enrollment was successful and it apparently was not. I would like this investigated as an intentional means of forcing account holders to pay manually each month. Further the phone number on the login page is completely worthless and provides no meaningful assistance in answering even the most basic account questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I just recently put in a complaint here with Experian and was told I was not authorized? What does this even mean? What does " This complain lists someone the company does not recognize as their customer or their customer 's authorized representative '' mean? Do you need to contact me via email or phone? Either way, I have not received ANY response to my disputes. Please send my updated credit reports!
Product: Student loan

I had an economic hardship starting in XXXX of XXXX and ended in XXXX XXXX. I requested in XXXX XXXX an economic hardship deferment from the loan servicer Edfinancial for the months of XXXX XXXX XXXX. This economic hardship deferment was granted and the approval letter stated that the account would be considered current for those months of the deferment. There were XXXX late payments during that deferred period in XXXX and XXXX of XXXX. The approval letter additionally stated however that the derogatory payments would n't be corrected on the payment history even though my account was to be considered current during the deferment time. Talking to the lender 's representatives did n't help. At first, they stated that since I stated on the deferment request that I was n't on public assistance ( the answer to this was yes and no. I was on public assistance in XXXX and XXXX XXXX but was n't from XXXX to XXXX XXXX so I answered no ) but when in a later conversation with another rep pointing out that I was on public assistance, that representative stated that because I filed the deferment request in XXXX and was n't on public assistance at the time I filed the deferment request, they could n't correct my payment history on my student loans. The rep also erroneously claimed that the payment history reported at the time was true and could n't be changed. This is a violation of the Fair Credit Reporting Act in that they are reporting incorrect payment history to the bureaus since the creditor themselves have said they consider the account to be current during the deferment period, thus the payment history should reflect that. I have filed a complaint with the XXXX XXXX XXXX XXXX XXXX upon referral from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) TransUnion has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). TransUnion has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute. This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) ( 1 ) Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. ACCOUNT 1. XXXX XXXX  # XXXX INQUIRY 1. XXXX XX/XX/22 EMPLOYER 1. XXXX XXXX XXXX XXXX ADDRESS 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.
Product: Checking or savings account

On XX/XX/XXXX23 a legal order debt by XXXX XXXX XXXX XXXX XXXX froze my account and withdrew {$660.00}, {$120.00}, {$2.00}, and {$130.00} from my Wells Fargo Checking and Savings Accounts. My lawyer immediately filed a claim of exemption and requested a hearing. The hearing was held on XX/XX/XXXX2023 and the garnishment was dissolved with all my money to be returned forthwith. Wells Fargo, the garnishee, has received copies of the judge 's orders. I was told it would take 7 to 10 days for my funds to return. Wells Fargo doesn't help me XXXX XXXX XXXX will not help me so i turn to you to get my money back I'm XXXX and can not afford this. 

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

Good Evening, I have a vehicle that i had financed through XXXX XXXX XXXX XXXX. In XX/XX/XXXX Hurricane Sandy had hit and left a devastating impact on my home and finances. In XX/XX/XXXX i lost my income and struggling to pay for my vehicle. At this time I had paid off my vehicle and received a letter from XXXX XXXX stating it was paid in full. XXXX XXXX XXXX XXXX is reporting on my credit report inaccuracies and i would like them removed. Please feel free to contact me at any time. Thank you.
Product: Credit card

I opened a business credit card with American Express in XXXX using my business EIN number. No problems at all. 

In XXXX, I opened a personal XXXX and gold credit card with American Express using my SSN. I later opened a business XXXX card using my EIN number and they reported they needed my SSN number to verify my identity. 

I notice that my American Express business credit cards started to show up on my credit scores. I called American Express and asked them to verify to the last two number they had listed on the business credit cards for the EIN number. The last two numbers they provided were my SSN number and not the EIN number. I asked if American Express had their business credit card customers combine their personal American express credit cards together. They reported no, that they are kept different and are not combined. I then asked, then why did American express have my personal American express credit cards mixed in with my business credit cards and using my SSN for all the credit cards and not using my business EIN number as they were suppose to be doing from the very beginning. 

They asked me where on my account was I was able to see that ; I informed them I noticed it on my credit report. They were not able to provided me with an explanation as to why they used my SSN and basically put the blame on me and stated " I should have changed it from the very beginning to my EIN and if I wanted to changed it ; I would need to close out the cards and reapply. '' I was furious as I had originally applied with my EIN number and they scammed me asking me for my SSN to " verify '' my identity. 

They have not ruined my credit score, had charged interests on my business credit cards, have declined payments on credit cards that have " no spending limits '' yet inform me that the payments were declined due to " spending over my limit '' - how can I spend over my limit when the card clearly states 'there is no spending limit. '' They then started decreasing the credit limits on my other credit cards even though there was no balance due and even when payments were being made on time and " no balance due at this time '' was indicated in the account. They also informed me I was able to receive up to 5 employee business cards with no membership fees ; I ordered two cards and then was charged a {$350.00} membership fee for each card.
Product: Credit reporting

I have a Public Record entry on my credit profile that I feel is inaccurate in its filing. It is my understanding that the term " Dismissed '' means that it is adjudicated by the law, so why am I penalized for something that was never completed. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization. They claim that the information has been VERIFIED as being accurate, but VERIFIED by whom? I have a RIGHT BY LAW to the information. The Credit Bureau system is holding my identity and credit under " Consumer Lock '' for 10 years. This discrepancy has prevented me in my personal life 's pursuit. I am submitting this complaint to request that the CFPB advocate for me in this challenge.
Product: Debt collection

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on XXXX XXXX  XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting, credit repair services, or other personal consumer reports

these 4 Inquiries on my Transunion Credit Credit report are fraudulent XXXX XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls PXXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX, DEXXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Home Furnishing XXXX XXXX  XXXX XXXX, TXXXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CAXXXX  ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc . ) due to inappropriate 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 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 lost and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inaccurate and fraudulent address on my credit report with XXXX, XXXX, and Experian credit bureaus. I have had identity theft and fraud in the past and on XX/XX/2022 I disputed these fraudulent addresses and phone numbers and to this day they are still there. I have mailed in a copy of my drivers license which has my correct and current address along with a utility bill. I have asked that all previous addresses listed be removed as they are inaccurate, fraudulent, and or undeliverable. As of today I have had no response from any credit bureau and the information is still there.
Product: Checking or savings account

Went to Bank of America in XXXX Florida. Spoke with a banker who provided me with the phone number XXXX. I spoke with XXXX who informed me that my case was close in regards to handling my brothers estate due to another individual coming into the bank, and claiming relations to my brother XXXX XXXX. The probate team for bank of America claimed that a granddaughter claimed his assets. My brother does not have any children and never had a spouse. I provided Bank of Americas probate team with my certified documents that I have attached to this complaint. Bank of America stated that it will take them a week to verify the validity of my documentation. I followed up with them on the following Wednesday, which was XX/XX/2023 and they confirmed the validity of my documentation, but was not able to provide me with any additional explanation as of what took place with his funds and what the next steps will be. I followed up again on XX/XX/XXXX and I spoke with XXXX, who stated that they will mail me some sort of documentation. I did receive a notice from Bank of America not necessarily, addressing any of the questions asked, but stating that they have received my request and the accounts were close. The documentation did not address who the funds were provided to, no guidance on if I need to do any type of FDIC claims, and no inclination of how his assets will be retrieved. 
There are a couple of accounts that are involved a checking and a savings account at Bank of America and the account numbers are XXXX & XXXX. At this point, I feel like Bank of America is giving me the runaround and avoiding the problem at hand, which is what happened to the XXXX XXXX dollars in his accounts. I took the liberty to attach the documentation per your investigation. Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I received service at the XXXX XXXX XXXX in XXXX, VA in XX/XX/2018. 
I was billed wrongly but after disputing the initial bill, XXXX XXXX XXXX adjusted the cost and sent a new bill. 
My insurance company paid their portion and I received my EOB ( Explanation of Benefits ) from my insurance Company that I owe XXXX XXXX XXXX {$510.00}. 
I sent a check to XXXX XXXX XXXX in the full amount of {$510.00}. 

I started getting calls from XXXX XXXX XXXX that I still owe an additional {$80.00}. 
I called my insurance company ( XXXX ) and they had me on the line and called XXXX XXXX XXXX to let them know how much I was to pay them. 
XXXX XXXX XXXX asked my insurance company to fax my EOB which they did. 
Few weeks later, XXXX XXXX XXXX called again to say I still owed them money. I disputed it and they asked me to fax them another copy of my EOB which I did. 
Months later, and subsequently afterwards, I kept getting calls from NPAS on behalf of XXXX XXXX XXXX saying that I owed them money. 

I have since faxed another copy of my EOB and mailed another to their P.O. Box but the calls woud n't stop. 

This is my complaint of harassment by the XXXX XXXX XXXX.
Product: Credit card

I called First Access Card which is serviced by XXXX and Issued by XXXX XXXX XXXX XXXX and attempted to request the closure of my account as I had noticed their fee structure to be extremely aggressive and although it may be considered legal, it is at a bare minimum predatory for consumers who while we may have poor lending history we are not unhuman and we still need to be able to somehow pay these debts back. At this point I was requesting them to close the account and explain to them I understood that I was very much still liable for this account and required to continue to pay for it until it's completion. The representative then advised me that he was unable to submit a request for closure until the full balance has been paid off. I advised him that the call had been fully recorded and then I was now aware of his information being in the correct and it was fully available to me and he said one moment please and put me on hold it became apparent that this was simply a tactic that they were employing to try and prevent my closure. this is absolutely illegal and I think that the cfpb needs to be made aware in this information should be acted upon in some manner. I have attached a copy of my XXXX statement which is the most recent that I own currently for this account so that the company can have it for review and my requested resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent this document to XXXX  and they are saying they have not received my document I would like the bankruptcy chapterXXXX  to be remove from my credit report.
Product: Checking or savings account

This complaint is against USAA re : an RV Loan. I made auto bill pay pmts [ {$270.00} - XXXX, XXXX & XX/XX/2023 ] through XXXX Bank, pmts were cashed by USAA, then pmts were re-deposited back into my acct. I was not contacted to let me know of any problem and was not aware of this until end of XX/XX/2023. Also, on XX/XX/2023, I made a telephone transfer of {$1000.00} to my checking acct with USAA, but they applied it to the principal of the loan. I repeatedly tried to call them, but they wouldn't take my calls, because they would try to send me a " secure '' number thru my text, but I repeatedly told them I couldn't receive texts while talking on the phone [ I have a flip phone ]. I am talking about XXXX calls from XXXX thru XX/XX/2023. Now they have started a repossession procedure. XX/XX/2023, I made a pmt. XX/XX/2023 I spoke to a woman who said she would listen to the phone call I made saying how I wanted the {$1000.00} applied and she would send the pmt situation to their legal dept. That was over a month ago and I have received no word as to what is happening. I have not made the XXXX nor the XXXX pmt because I don ; t know what is happening to me and I do not know when I will be homeless. The XXXX pmts are in my savings acct in case I need to catch up, that is if they will allow the # XXXX to go into my checking acct whereby I will be able to make up the back pmts. I want all penalties and extra taken off also.
Product: Student loan

Loan Hero contacted me claiming/stating they was part of the federal government. They said that I can re finance my loans with the government. They stated that the service was free. They told me that I would have to make a separate payment and that payment will be the interest and that I will make a regular monthly payment for my loans. But the separate payment was n't for the interest it was for the fee they charge me to set up my repayments. After I made 1st payments and started receiving letters for the fed loans ( government ) they said that the service is free and that loan hero never should have charged me. Loan hero is using a collection agency to collect {$1300.00} from me. I attempted to not pay and tell them the service was suppose to be free and that loan hero lied to me / mis lead me but they threaten to ruin my credit if I did n't pay. They said they have all personal information including my ss #. 

Loan Hero mis lead me into thinking that the {$1300.00} was not a fee and it was part of my loan interest. But in reality the {$1300.00} was a charge for them to obtain my personal information and forwarded it over to fed loans ( Government ). Loan Hero charged me for a service that suppose to be FREE.
I did attempted to resolve this with Loan hero and XXXX XXXX XXXX. But companies threaten to ruin my credit, sue, etc if I did n't pay.
Product: Credit reporting or other personal consumer reports

i noticed on Myfico report inquires that i dont reconize nor authorize on transuion from the below companies, and only from transuion XXXX XXXX on XXXXXXXX XXXX on XXXX XXXX XXXX on XXXX XXXX XXXXl on XXXX XXXX XXXX on XXXX and XXXX on XXXX
Product: Mortgage

We payed off a loan with Regions Bank on our charter boat in XXXX. Upon closing the loan Regions should have filed a Satisfaction of Mortgage with the XXXX XXXX  XXXX XXXX ( XXXX ) to release a lien within XXXX  days. This was never done. 

We are now engaged in trying to sell the boat and the potential buyer pulled an XXXX of XXXX from the XXXX and discovered that the lien still exists. 

I went in to the XXXX XXXX XXXX XXXX XXXX, XXXX and spoke with XXXX XXXX about filing the Satisfaction of Mortgage. She informed me that they only keep records going back XXXX and could not pull up anything in her system relating to the specific loan listed on the lien. She took down my information and said she would escalate the problem to another department. I received and XXXX request email for a XXXX XXXX from her later that afternoon. 

The next communication I got was on XX/XX/XXXX. An email from the XXXX system denying the request for the XXXX XXXX. As I was travelling at the time I couldn't respond to this until XX/XX/XXXX. I emailed XXXX XXXX, XXXX XXXX, and XXXX XXXX a very detailed breakdown of the problem with the Loan Number, the Abstract of Title, and Satisfaction of Mortgage Form attached. The communication since has been very minimal and the progress has been nonexistent. Every communication I have had with Regions ( XXXX and today XXXX XXXX ) has been we have forwarded the problem to another department and we don't know who can resolve this. That is a wholely unacceptable answer. Regions dropped the ball XXXX ago and they are dropping the ball now. They are about to cost us additional expenses due to the delay of sale of the boat and potentially even the sale. 

It has now been over a month since my first request to release the lien and I am no closer now to having this resolved that I was the first day I went into the branch office.