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

My brother lives in Texas and he send me money through Cash App. In XXXX XXXX XXXX {$79.00}. And its said the money was successfully deposit. But never was deposit in my account. Then in XXXX. XXXX XXXX he send me {$25.00}. And XX/XX/XXXX he send {$140.00}. And I told him not to send me more money though this app, because they never deposit the money. I send several emails to this company never respond. I try to reach them in several websites. XXXX, XXXX, XXXX. Email. But non one respond. I read several comments through these apps and Im not the only one who is trying to reach them.. they taking money from taxes also. This company is taking money from people, who really need it in this time.
Product: Debt collection

I have twice written to the chairperson of the Bank of America in XXXX, North Carolina to tell him that because of the coronavirus I am not able at this time to make payments on my debit card, my rewards credit card, and my car loan. I have heard not one single word from him but this afternoon I received a threatening email from a MsXXXX XXXX of the debt collection division of the Bank of America. To repeat, I had written to the chairperson of the Bank of America but the response of the Bank of America is to make demand that I make these payments. There can be no other interpretation of her email because the communication did not come from any banker either in the local branch in XXXX, New Jersey or by the chairman of the board of the Bank of America or any member of his executive staff! 

I now have the right to fear that the Bank of America despite my said request is demanding and will continue to demand these payments that, to repeat, because of the coronavirus I can not at this time pay!
Product: Debt collection

XXXX from Security Credit Systems called and identified he was calling from Security Credit Systems. He contacted XXXX of my family members that I know of. He violated my rights and I'm going to sue. SCS owes me {$1000.00} per violation for indicating to my family that he was calling from a debt collecting company. The minute he said the name of his company he violated my right. He is harassing family members and he asked them to relay a message to me. In addition, I have a payment arrangement with the original debtor.
Product: Credit card

I first noticed charges on my Southwest charge card ending in XXXX while doing my taxes this year. The amounts were small but they hit once or twice a month label XXXX ( XXXX ). I immediately called the company and shared my discovery that was in XX/XX/XXXX, Chase XXXX XXXX. The claim was accepted and to stop future fraud charges the card number was changed to # XXXX. They removed all the charges and sent a new card. Then the next thing they did was deny the claim and place all the charges on a new card with a lower credit limit. When I called, them they could not explain why the charges were reversed and placed against the new card with the lower credit limit. 
Before this complaint, I was told by the representative that they needed proof of my XXXX log, I sent copies that dated back to XXXX, with an explanation that the only charges that were me were the ones in XX/XX/XXXX, specifically XX/XX/XXXX, XXXX, XXXX. The fraud changes started after my visit to XXXX XXXXXXXX XXXX XXXX XXXX 

I was told today that I pay the bill regularly, I yes because I do not want this to affect my credit history while they work it out. I spoke with Representative XXXX XXXX acting supervisor ) - no last name. XXXX XXXX XXXX XXXX XXXX number- I was told I can call back to XXXX - XXXXXXXX XXXX XXXX is XXXX no further information was given to me. 

The employee XXXX told me I was too late by federal law but the website states : With Chase 's Zero Liability Protection, you wont be held responsible for unauthorized charges made with your card or account information.
Product: Mortgage

Loan was transferred from XXXX XXXX XXXX to Carrington Mortgage Services as of XXXX XXXX, 2015. Due to the account showing as a " closed account '', my credit score decreased drastically, making me unable to refinance the loan. After contacting Carrington time and time again, they originally stated that they had a XXXX day window to report the loan to the credit bureaus due to CFPB regs. After continued calls, they first stated that because reporting occurred on the XXXX, it would be until the following month. Then in XXXX, they stated it would n't report until the XXXX. Lastly, they stated that they had already reported it and would be appearing on the credit report by the end of the month. The situation has not been resolved. It is XXXX XXXX, 2015.
Product: Debt collection

On Thursday, XX/XX/XXXX Revco Solutions XXXX started making phone calls to my cell phone at XXXX XX/XX/XXXX. By XXXX they had called three times. I received a bill from XXXX XXXX XXXX the week of XX/XX/2020. After further review of the bill I called and inquired why they had not submitted the billing through my insurance provider XXXX XXXX XXXX XXXX. The office stated it was their error and that they would in fact submit the billing and to disregard this bill until further notice. When I called back with my mother on the line XXXX from Revco Solutions stated that I owed the bill and how was I going to pay it today. I am a XXXX  XXXX and was taken back by her demand and rude demeanor. To call my cell phone several times and not know that XXXX was in fact handling was unnerving. To demand I pay the bill in full when not knowing the true amount is beyond unacceptable. During a global pandemic it would seem a debt collector would be not be able to harass in this manner. I am blessed with health insurance and can only imagine if faced with a {$200.00} and someone demanding to pay it today or get it placed on my credit report would add unnecessary stress. Revco and XXXX should be dealt with for future not as fortunate individuals.
Product: Credit reporting or other personal consumer reports

Upon my request, XXXX bank open an account for me at XXXX XXXX and mailed all the documents to the wrong address. I never received any invoices or statements or even the card itself so, it wasn't paid. 

Several months in, they finally contacted the XXXX contact number on my application and reached my husband XXXX who, upon finding out about the open balance and sale of the delinquent account to a collection agency, asked for more information. They responded with confirming my name and mailing address. It was at that point that he noted their discrepancy of having the wrong address. 

Not wanting to pay off a collection agency and having it affect my credit, he then called XXXX directly and discussed the problem with them in hopes of correcting the discrepancy. When they finally sent the statement of accounts to us, he paid the original open balance immediately which was on the copy of the original statement. 

The amount they claim that was written off and is now noted negatively on my credit history and is the finance charge that would have never been charged had they mailed the original paperwork to the correct address.
Product: Checking or savings account

Wells Fargo refuses to dispute FRAUD they wont CREDIT YOU and if they drop be papered for it to be taken BACK even if you didnt charge the charge
Product: Mortgage

Last XXXXXXXX XXXX I applied for a purchase money home mortgage with two lenders, one of which was Rocket Mortgage ( the other was a XXXXXXXX XXXX ). Rocket provided an estimate of charges ( Loan Estimate ) which included under the section " Loan Costs ; services you can not shop for '' a listed appraisal fee of {$1100.00}. They required me to provide a credit card for the credit report and appraisal fee at the onset of my application. When I got my credit card statement ( copy enclosed ), they had charged me not the {$1100.00} quoted, but a whopping {$1900.00} appraisal fee which was {$760.00} ABOVE the estimate ( a 65 % excess over quoted charge ). Incidentally, the other lender 's appraisal fee ( for the exact same property at the exact same time ) was {$690.00}. I have previously contacted Rocket Mortgage and my credit card issuer, to no avail. After questioning Rocket Mortgage about the disparity between the estimate and bill, they provided me with an invoice ( copy enclosed ) showing {$1900.00} from a vendor " XXXX  '' whom I had never previously heard of and had not authorized sub-contracting to or hiring. In defense of my claim of excessive and unauthorized Appraisal Fee charge, I enclose the monthly statement from XXXX XXXX where the charge was first posted. NOTE that on the same statement, the {$690.00} appraisal fee from XXXX XXXX also appears. 
Also Enclosed is a copy of the Loan Estimate where, on page 2, under Closing Cost Details, Item B '' the appraisal fee is listed as {$1100.00}. This is the only amount I authorized.
Product: Debt collection

This is fraud. I have never done or contracted any agreement with the following companies therefore these accounts are fraudulent and are not permitted to be on my report. I also have not granted any of this companies permission or authority to conduct any fidicuary duties on my behalf. Any consent granted otherwise is now officially rescinded and any arbitration agreement opted out of. My right to privacy has been severely violated along with FCRA and FDCPA. I am demanding immediate deletion or show certified proof of alleged debt or agreement and that all transactions adhere to XXXX practices and guidelines. I can assure that none of these will be made available to me so these items need to be deleted permanently and immediately or I will seek damages to the highest extent of the law. 

- [ ] XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX, I submitted an electronic request to TransUnion for investigation into file number XXXX - an account which I have no knowledge of. I received a response that there was an error in the investigation and that if I received an error, I should submit a request for investigation in writing. 

On XX/XX/XXXX, I submitted a request in writing for review of this file. Instead of sending an investigation response to me, they responded with a copy of my credit report. 

I believe TransUnion is intentionally failing to investigate this account because they know it to be incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I filed a dispute with TransUnion against XXXX XXXX XXXX. I provided proof that XXXX XXXX XXXX is being reported inaccurately, XXXX XXXX XXXX did not properly validate the debt, and XXXX XXXX XXXX is being updated by the original creditor of all of the payments that are being made on the account and they are updating the account with false information. 

TransUnion has proof of all of the above claimed information. Without doing a proper investigation, they falsely verified the account as being accurate on XX/XX/2022. TransUnion is acting as an accomplice with the false reporting of this account. I demand that TransUnion remove this account immediately.
Product: Credit card or prepaid card

I purchased a XXXX stay advertised as Modern Home with PRIVATE Pool & Jacuzzi. I made a partial payment to AMEX and the remaining on a Citicard totaling over {$10000.00}. I did not receive the item as it was described. The jacuzzi did not heat which I have correspondence between the host and I to document. But the worst part is, IT WAS NOT PRIVATE! There was a camera hidden inconspicuously and was not disclosed. Not only did the merchant falsely advertise his product as private but he also committed a crime recording individuals and minors in the XXXX without their consent. I have done everything AMEX and Citibank has requested in order to resolve this dispute. AMEX closed the dispute in my favor. Citibank retaliated against their consumer, me, by lowering the credit line immediately after making the dispute making the entire amount become due vs. a regular revolving account. As a result, they have been negatively been reporting on my credit which has caused great detriment. I have complained several times of constantly being disconnected when I call in. I have several reps who I've spoken to and made promises admitting that Citibank shouldn't have made the whole amount due while in dispute. They have ruined my life, scarred me, failed to protect me and I will let everyone know who will listen until this mistake is reversed!
Product: Student loan

I am a XXXX  and qualify for a XXXX loan forgiveness program. Naviet continues to deny me for this program. Each time they state the reason, I correct the application then they find a new reason to deny the application. This has happened at least 5 times. Each time I ask them if there is anything else needed and I am told no that the application will go through once this item is " corrected '' most of these corrections are not really needed they are " administrative items ''. It is clear to me that Naviet is intentionally stalling and hoping that I will give up.
Product: Checking or savings account

I opened the dispute with Bank of America regarding unauthorized zelle transactions on my accounts and recently i also dispute charges from merchants on paypal. After 2 days, BOFA comes back saying they denied the dispute! They basically didnt take this as seriously as it should be! I am desperate and upset because of zelle unauthorized transactions plus recent dispute that i did not receive my items i ordered it is obviously scam but BofA denied the claims! As i am being their client since XXXX  they should at least put on effort to be on my side not just denied the dispute!! 
They denied all my transactions that I dispute i asked them to help but they couldnt! 
Very bad business and the reps that took the claims were very impatient as well!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : {$640.00} XXXX Late Dates XXXX, XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

Improper use of accounts, identity theft not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX mortgage hard inquiries date XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX being reported on my credit report. Additionally, I have a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has always been through XXXX XXXX as reported on my credit report. Secondly, I have banked with XXXX XXXX XXXX XXXX since XXXX. I have not requested any banking products from them since XXXX. I have sent dispute letters requesting these inaccurate inquiries be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company refuses to remove the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found a number of erroneous reports tried to dispute each. No action taken by reporting agencies ( XXXX, Experian, and XXXX ). 

Erroneous report # XXXX and # XXXX XXXX XXXX XXXX XXXX Was a victim of Identity Theft. XXXX had to completely fix account after giving unauthorized access to another person posing as me. XXXX XXXX XXXX was made aware of the issue and still demanded payment of fraudulent transactions or face legal actions. 

Erroneous Report XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX Demands repayment of illegally charged fees as well as collection fees. Amount actually used legally was paid on time. however I disputed the fees posted to my Account by XXXX XXXX asking for my signed copy of the agreement which was not provided. Within a day of the dispute XXXX XXXX immediately closed and sent the illegal debt to in-house collections and within 20 days sold the debt to multiple collection agencies. XXXX XXXX remains as the sole owner of the fraudulent debt. 

Erroneous Report #  XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXXXXXX Experian refuses to allow dispute of this record.
Product: Debt collection

I did not know this amount was still owed until I saw it on my credit report a couple of years ago. I immediately contacted Southern Tier credit and paid the {$53.00}. It was removed from both my XXXX and my XXXX XXXX accounts. I have just now requested a report from your organization and found that it was not removed there. I think it was an XXXX XXXX bill that I didn't remember receiving, all the others were paid. I am not sure who to contact now. Southern Tier?
Product: Credit card

I filed CFPB Complaint XXXX and Comenity retaliated against me by closing my Talbots Account . Comenity Bank is not Talbots Department Store.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a hard inquiry from Onemain Financial today that was not requested and their records show no inquiry but my credit score dropped XXXX points and shows a hard inquiry from them on 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 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank ( Victorias Secret ) has refused to remove the late marks on my credit. 

I had been told they were deferred due to XXXX and me not working full time hours due to XXXX i did defer them. With that being said, the last week or so that I have spoke with people about this issue I have heard 3 different stories.

I was first told they could only defer them for 2 months, then i was told they could defer them for 3 months and lastly was told I could defer them for 12 months. Regardless of them not knowing what is even going on within their own company, every month I called in, just as I always have to make payments and was told it was still " deferred ''.

Im going to relate this to my own life experiences. I help manage properties and during COVID we did have to allow the rent to be deferred. With that being said, I, myself, kept up with who had deferred rent and how long. That was my job, as it was Comenity Banks job to assure I paid my payments. With that being said, after the second or third month of deferred payments, if they were no longer deferred they should of let me know. Because each month i called in i only got " your payments are deferred '' I never received an email or letter. 

Now on to the next scenario. After i had paid my account in full in XXXX of XXXX, I was still being charged late fees til XXXX. When i confronted them they had no idea why i was even being charged those. So now i feel as if Comenity kept charging me for late fees or pentalizing me for things that was not even relevant. I can attach those to this email. 

All in all my experience with this has been unfair, from the beginning. I am not asking for a refund, I just simply want the late marks removed from my account because i feel as if i have been treated poorly from them and been overcharged in more ways than XXXX. If i had not paid off my Credit card and seen i was still being charged afterwards i would have never noticed the extra {$40.00} being charged to my account every month. 

Long story short. Months XXXX XXXX and XX/XX/XXXX ' ( which i did make a payment in, ill attach that as well ) were all suppose to be deferred from my understanding. It was Comenities job to assure i was aware my deferment period was over, considering ive been told several different things in the last week about deferment and how long it was suppose to last, i do truly believe there is too many people unaware of the jobs they are doing there. 


Attached is the XXXX payment, as well as the XXXX payment which I was paid off, then you see i was still being charged even after
Product: Credit reporting or other personal consumer reports

I have sent numerous letters requesting approval and the technique for how they approved various deceitful and sketchy things on my credit report and have not gotten back anything in more than 45 days for these records that are obviously erroneous and fake records. This credit department is dismissing the law and exploiting purchasers and this has caused enormous pressure in my life. The latest affirmed letter I sent was XX/XX/2023. 


These are the accounts and their account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 USC 1681.

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. 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: Credit reporting or other personal consumer reports

I have some XXXX authorized inquiries on my credit report
Product: Checking or savings account

On XX/XX/20 at XXXX I initiated a wire request through Ally Banks online website. This wire was to find our new home closing. After multiple attempts to contact Ally, we were given the information your wire will go out by the end of the business day. We were forced to wait at the title company for 4.5 hours until Ally issued our wire. I have held numerous bank accounts and worked at several financial institutions, and never have I seen delays such as this for wiring funds! Completely unacceptable practices from a consumer standpoint. 

Fast forward 2 weeks, and Ally Bank has now begun to issue my online bill payments via check to one of the largest financial institutions in the country. Previously, payments were being made electronically, but now I am required to give a weeks notice to schedule a bill payment since its being issued via check. Allys website clearly says if the payee accepts electronic payments then the payment will be made electronically, otherwise a check will be mailed. They are not following their disclosure!