23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I applied for an Apple Card under my phone XXXX XXXX XXXX and was denied It never provided a reason, it just said that I was ineligible. The exact same same day I applied with my business phone, different XXXX XXXX and different phone number and was approved. I wanted to switch XXXX XXXXs because I condensed phones and now only have one. I called the customer service number and was told that if I wanted to switch phones with my card that I would have to close the one account, where they have already ran credit and caused an inquiry, and open another which would result in another inquiry. The excuse that I Received first was that my info could not be verified. I uploaded my id, front and back and was approved. Nobody seems to know what is going on at XXXX or Goldman Sachs and the customer service number is of no help at all.
Product: Credit card

I am filing this complaint because I'm going through a stressful time due to Kohls , Inc. actions. I filed an arbitration case against Kohls , Inc., which is reporting the accounts involved in this matter. Kohls , Inc. has refused to arbitrate the matter thereby violating the contractual agreement. Kohl is committing unfair practices with its customers.

I request an investigation of this company that evades its responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inconsistent and inaccurate personal information Such as Name 's, Addresses & Telephone Numbers.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report i noticed there were multiple accounts listed that do not belong to me. These accounts are as follows XXXX XXXX XXXX XXXX XXXX XXXX Bal- {$510.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$5200.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$13000.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bal- {$4300.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Bal- {$0.00} Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$0.00} Opened- XXXX XXXX XXXX XXXX XXXXXXXX Bal- {$840.00} Opened- XXXX XXXX XXXX XXXX XXXX Bal- {$860.00} OpenedXXXX XXXX XXXX XXXX XXXX XXXX Bal- {$560.00} Opened- XX/XX/XXXX
Product: Credit reporting

Hi there. My name is XXXX XXXX. I am requesting a n investigation with Transunion. My inquiries were removed and unlawfully put back with them informing me in writing. Please look into this for me and have them remove my inquiries again as its not fair.
Product: Mortgage

Please help us save our home.We paid {$6000.00}, that was originally sent to XXXX XXXX XXXX, l paid them thru XXXX XXXX. When asking for a loan modification. 
l do want the ability for the modification loan and especially my {$600000.00}. since my housing counselor,, @ XXXX., has told me should have never been taken from me. l need an answer soon please, since the redemption period is XXXX. 
XXXX # @ Selene Finance Sincerely, XX/XX/2017
Product: Debt collection

Upon checking my credit I found a trade line from Allied for XXXX XXXX XXXX that was reported to XXXX  on XX/XX/2021. On XX/XX/2021 I emailed Allied via their website explaining that I believed this account was being handled by XXXX XXXX, I sent a second email on XX/XX/2021. In both of these emails I explained that I had not received an initial letter of validation or any written or verbal communication regarding this account. As of XX/XX/2021 I have not received a response to either email, received a phone call, or received an initial notification letter from Allied Collections. As a result they have an open trade line for a collection account without giving me the opportunity to dispute the validity or pay the account in full prior to them reporting this to the credit bureaus. 

I reviewed my credit report and found that XXXX XXXX XXXX updated their reporting ( resulting in 2 collections being listed for the same account, an issue I will report separate to this complaint ) on XX/XX/2021. This means the earliest Allied could have had this account reassigned to them is XX/XX/2021 ; as they reported the collection on XX/XX/XXXX it would be impossible for them to have sent the initial notification letter and allowed the 30 day right to dispute as required by law prior to them reporting this account to my credit bureau. I view this tactic as a clear case of debt parking.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Item continues to be reported on my credit report. I have written several letters to the Innovation Recovery and the credit bureaus and this inaccurate information remains on my report. I say inaccurate because they can not prove that this account belongs to me. I have asked on several occasions for them to supply me with a breakdown of the amount that they say I owe. I have been battling with this issue since it was reported on my credit report. On XX/XX/2022 I spoke with a supervisor by the name of XXXX who informed me that she was going to email me the breakdown but now it is XXXX XXXX and still I have not received anything. The only thing that they continue to send me is a collection letter, this is not proof of the account. I feel that this account needs to be removed from my report due to inaccurate information and them not complying within the 30 day period. I have attached a copy of the last letter that I wrote and I have proof from the post office of delivery. This item needs to be removed. I would appreciate it greatly if I can get help with this situation after fighting with them for so long. Oh, if they say that the account is mine ask for proof which they can not provide, please dont just take their word for it.
Product: Credit reporting

I owed a past due bill to XXXX XXXX XXXX that was turned over to XXXX XXXX on XX/XX/XXXX. I called XXXX XXXX XXXX in XX/XX/XXXX to pay the bill in which they instructed me to pay the bill directly to XXXX XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX and paid the total amount ( XXXX ) plus a fee of XXXX, XXXX total. ( Confirmation # XXXX ) 6 months later I see the debt on my Transunion credit report still stating that it was open and still in collection! I called XXXX XXXX XXXX in which they could not find my record! They feel it is due to me paying off the bill? But they ca n't report it paid? XXXX XXXX states that it is not their responsibility to show it paid either???? ( I filed a XXXX complaint against XXXX XXXX when they would not respond to my emails or calls ) They only answered the XXXX complaint of course. 
Now what am I supposed to do?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with the federal law and provides consumers with the necessary proof of investigation. The accounts I am referring to are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

Ive used a XXXX  app to fund small loans to people who need them, in return for a tip paid back to me when the loan is repaid. All funds transfers have been done via debit card debits and credits. On XX/XX/2022, I received an e-mail from the app, SoLo Funds, telling me that someone had repaid a loan to me for,., where typically within those quotes would be the amounts repaid. It also said that non-amount would be available in my, Wallet as SoLo Cash.

I e-mailed the company asking about the non-amount in the e-mail, and stating that, As I dont have a SoLo Wallet, Im assuming you wouldnt have opened an account somewhere in my name. While waiting for the company to respond I rummaged through the app & found that the loan repayment had in fact been deposited into a, SoLo Wallet account that had been opened for me.

Since then all loan repayments have been deposited into this SoLo Wallet, which I then have to withdraw from in order to forward the funds back to me via debit card transactions.
Product: Debt collection

XXXX Forgot date Tried to make settlement but they asking more then I can effort
Product: Checking or savings account

I just opened a new account with KeyBank XX/XX/XXXX and deposited a big chunk of money into my account mostly for my savings account. I then rarely used my card only small transactions or paying off bills. 2 weeks into me having my account on XX/XX/23 there was an unauthorized transaction from XXXX for {$100.00}, then XXXX XXXX XXXXXXXX for {$500.00}, {$5.00}, on XX/XX/23. Then another unauthorized transaction on XXXX for {$300.00} on XX/XX/23, and 3 other charges on XX/XX/23 from XXXX for {$100.00}, {$500.00}, and {$1000.00}. This dispute amount was for a total of {$2500.00}. I looked up the merchants for these transactions, XXXX XXXX XXXX are sketchy websites used to buy crypto which are scammers main targets to get away with these types of things. XXXX XXXX is a casino that is far away from where I live. Maybe XXXX miles. I filed a dispute on XX/XX/23 after checking my balance and seeing it was low, I dont check it often because I didnt use it much and I only had the account for two weeks and realized my card was missing the same time I noticed the funds missing. I went to lock my card and when I tried it said " A technical delay is preventing us from locking/unlocking your card, try again later ''. This was there fault for not locking my card and I have proof with time stamps of them not allowing me to lock my card. They took 20 days conviently when they were supposed to give me credits for the dispute to solve the case. They said recent card activity made us realize this was an authorized charge. That was the only reason they gave.
Product: Payday loan, title loan, personal loan, or advance loan

Around the beginning of XX/XX/2024, I logged into my Wells Fargo account online and noticed my personal line of credit had a balance of about {$8500.00}. I did not withdraw any money from the line of credit, so I contacted Wells Fargo to let them know about the fraud on the account. Wells Fargo opened an investigation. On XX/XX/2024, Wells Fargo sent an email stating that I or someone I authorized benefited from the transactions, so they were not going to take any corrective action. The {$8500.00} balance would remain and I would remain liable to pay it back. I obtained copies of the checks from Wells Fargo. I do not know the person the checks were written to ( XXXX XXXX ). The signature on the checks is not my signature. I filed a police report to report the theft. I also contacted the bank where the checks were deposited to inform them of the fraud. If I need to hire a handwriting expert to confirm the signature on the checks is not mine, I am prepared to do so. I am hoping Wells Fargo will reconsider and recognize the transactions as fraudulent.
Product: Mortgage

This is my second CFPB complaint [ Case number : XXXX ] regarding United Security Financial Corp 's mismanagement of my VA mortagage and now it appears that funds may have been embezzled. My account is payed electronically every month by XXXX XXXX and has NEVER been late or missed. XXXX is their mortgage servicing agent ; and even though I have brought this to their attention directly, they have continued to harass me for early payments after the above referenced case was supposed to have been resolved. Now payments are being reported as " not made '' and balances are reported incorrectly in my statement. 

The Facts show clearly, that XXXX XXXX correctly transmitted payment on XXXX/XXXX/2016. United Security Financial Corp ( USFC ) issued a statement on XXXX/XXXX/2016 ( available on request ) showing no payment received ( or applied to my account ) and demanding a DOUBLE PAYMENT. No late fees were assessed by USFC and XXXX confirms that the payment was successfully made. My payment appears to be NOT being applied to my account intentionally ; ergo, embezzlement and/or mismanagement can not be ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mrs XXXX thank you for your response but Im not happy that your office did not send me proper notification via US mail stating that you needed verification of proof normally and per the FCRA you are to send a written letter to my home address indicating that you need specific information but I received nothing is why I file a CFPB complaint this is a violation of the FCRA I got your first requested letter in the mail saying that I needed to go onto your company website to submitted information to get a copy of my Lexius nexus report and thats what I did.I been sitting here waiting for 3 to 4 weeks now. I have enclosed the information via email via the CFPB Portal. Also I challenge you that you are reporting in accurate information on a bankruptcy chapter XXXX on my public record file about the file number! What I need from you is a certified statement writing from the clerk of court that you spoke with the clerk to verify this information. Per the clerk of court they do not provide information to 3rd party or any of the credit bureaus. Also this information must be on the US bankruptcy court letterhead. I also requested of you again to freeze my lEXIS-NEXIS credit report since I cant get a copy of my credit file and the negative information that is reporting on me. All information must be 100 % accurate. Please delete the public record from my credit file immediately. I have sent you what you asked for now I asked the same of you.ms XXXX I have enclosed another copy of my Identification along with a big white envelope that states LEXIS-NEXIS at the top showing that you did send me the information but there was no indication that you needed identification so typically this is a failure to respond on your behalf XXXX  XXXX  XXXX  states that they got the public record information from you is how I know that you are reporting and furnishingIn accurate information please be respectful and send me all the information requested thank you so much
Product: Student loan

I have an account with FedLoans. I went into repayment of my loans in XXXX. I am in the PSLF ( public service loan forgiveness ) program. I need to make 120 payments while working for a non-for profit organization full time. I have worked for a non-for profit continuously since XXXX. 

There was a forbearance placed on my account accidentally roughly around XXXX. For approximately 13 months, I was making payments, under an income based repayment plan, on time, while working full time, that were never counted because of this 'inappropriate ' forbearance. 

I realized there was an issue when my total counted payments were not consistent with how long ive been making payments. An inquiry was opened on my account in XXXX of XXXX per my request. The forebearance was removed from my account but the qualifying payments were never recalculated. This case number has been open for over 17 months. They are also supposedly trying to see if my payments with previous government based loan servicers also count. 

I would like my recalculation to be performed as soon as possible, so my family and I can anticipate when I will have loan forgiveness after entering this program. I have chosen my profession, my place of work, and many other decisions have been made based on an anticipated loan forgiveness date. 

Thank you for your time and consideration.
Product: Bank account or service

During the months of XXXX, I was struggling financially as I was transitioning between jobs with some time inbetween. In addition, my significant other who lives with me was out of work. In the days between XXXX XXXX and XXXX, Bank of America has charged me over {$200.00} in fees which they refuse to waive. Many are overdraft fees for which funds were added less than XXXX hours after I received the notice. These fees are excessive and I can not afford them especially while I 'm in between jobs.
Product: Money transfer, virtual currency, or money service

I contacted PayPal on XX/XX/year> because I was unable to update my own personal phone number and email address in their system in association with my account. My phone number is used for two-factor authentication. I do not have that phone number any longer and PayPal needs to authenticate my account, which it does every so often, so I will be unable to use PayPal for payment processing. For some reason, a person can not use their email for two-factor authentication. 

On XX/XX/XXXX, I used two-factor authentication to log into my account. I attempted to update my telephone number and email address in association with my account. I received an error message that stated I was not able to update my information. From XX/XX/XXXX - XX/XX/year>, I have been in a communications loop nightmare with different PayPal XXXX, who refuse to answer the simple question of whether my account is locked, and/or why I can't update my own contact information. I even asked representatives if they could update the information for me. Anything they could do to move this along is what I requested of them. They keep coming up with reasons as to why they can not do this. Finally, they said it was a problem with their system and submitted an internal ticket over a week ago, which remains open and unaddressed. 

Today, which is XX/XX/year>, I checked on the status of that request. I was asked to call customer service to authenticate my account, even though I had been in communications with PayPal off and on throughout the month. It's been well over a month as of tomorrow, XX/XX/year>, and PayPal still can not update my new phone number or email address in the system or allow me to do so. When I attempt to update my contact info. each time I log in, I am repeatedly unable to do so. There is no excuse for this and each excuse they provide me with points to a pattern of obstruction that is a form of debanking. For years, I have been on PayPal 's radar as a political dissident. That must stop and I must be allowed access to my account and any funds I receive through it at any time, for any reason, regardless of my political affiliation, or lack thereof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know the amount but I think its from chase bank or medical expense From years back but I never had a chase
Product: Credit reporting or other personal consumer reports

Letters were sent to Experian on XXXX XXXX XXXX via certified mail to Experian. They had received the Certified letters with copies of identification and utility bill for proof with all items that were in dispute. 

I have no received any letter or response regarding my disputes within the 30 days period and are in violation of Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ).

I am demanding Experian to remove inaccurate and unverifiable information of that which includes : Any variation of my name of other than my full name, they have 6 different variations that are inaccurate and employers that I am not associated with.

Any address that is not of the identification that I provided them and calling into question how can they verify that address and since it's unverifiable it is their responsibility to remove it, they have 14 that are inaccurate.

They were also advised that I was not provided an opportunity to opt out of and un-authorized reporting and have contacted any current, prior or future reporting as required under 15 US Code 6802 and are still continuing to report as such.

They are also in violation for inaccuracies 15 US Code 1681S-2 and 15 US Code 1681c. They have not provided the evidence that the payments were late, terms of agreement and the exact amount and how it was calculated.

They are also in violation of 15 US Code 1681 ( b ) for 2 inquiries that were on my credit report and have been advised twice that I did not authorize these inquiries that were conducted. 

Experian clearly is not doing proper investigation and I am demanding for everything to be rectified with them. They have been sent another letter not only to them but also to their legal department.
Product: Credit reporting or other personal consumer reports

On checking my credit report, I noticed that sum and Inquiry all my credit report, it is in accurate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX those unauthorized is hurting my credit
Product: Credit card

I have had XXXX XXXX Chase credit card for almost or over 2 years now. 

Order # XXXX Order # XXXX I noticed the option to have a 12 month payment schedule, instead of regular charge, at check out. Companies like XXXX, XXXX and even XXXX XXXX  as you go have similar offers and i have succesfully used these methods to lessen payment burden at times of purchase. 
I was surprised to learn that I was charged full amount of the transactions I made in XXXX and checked the *12 Month Equal Pay* selection. It even gives a dollar amount of these monthly payments. It would seem straight forward but I was wrong. Please note, I orginally used this option for Whole Food groceries, in the XXXX XXXX  but this process did not go through. Food is expensive and the fact that I thought that this option was available because it would have been helpful is sad. To learn that not just the groceries but XXXX others transactions hit my Chase card to be billed, os really discomforting. I support my mom. 

Why offer anything with such advertising wording if the consumer will be billed all the same. I dont need the credit usage to reflect on my credit report either. I have great credit and payment reputation. I am in process looking to invest in real estate and dont need finacial errors in the present. I made the purchases i chose with idea that i would me charged a monthly increment as it reflects in XXXX XXXX credit card payment option at check out. I have worked in law office since i was a teen, this matter is absolute deception. 
Also, i did not chose my Chase card with XXXX of the charges on my latest statement yet, it defaulted to Chase. That is also deceptive. I made sure to chose my bank. This is why i am removing Chase from my XXXX account.