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

Experian sharing old accounts with other Finance companies and credit reporting AGENCIES and will not fix the problem Name is not right on Credit Report XXXX XXXX XXXX not XXXX XXXX setting me up for someone to use my credit authorize using on my account and I call my company and they had to remove my credit reports needs to be clean up and no one is doing it they put o neg account but showing neg reporting old car account from XXXX still on reports I got a car in XXXX of XXXX they got a removal date in XXXX of XXXX XXXX same thing XXXX the same thing will not update or making Changes old Inquiry old not updating payments I call all my creditors they report monthly not changes address duplicate more then one time some address not right will not let me dispute it and it is now going into XXXX some of there said not changes in payment last reporting in XXXX not correct my credit report is so mess up I do not understand it I ask for all three report never receive them
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX  Experian received a consumer complaint about XXXX XXXX  XXXX  debt being reported, Experian failed to investigate My consumer complaint. XXXX XXXX  has not sent any Information validating the alleged debt. Please see the failure to investigate the Experian credit report dated XX/XX/
Product: Credit card or prepaid card

Signed up for a 7 day trial for a fitness program called XXXX XXXX on XX/XX/XXXX around XXXX. I did not get training or coaching like advertised, and i did not get access to the training programs and login credentials until XXXX that same night. On XX/XX/XXXX my card was charged {$150.00} for a subscription to the fitness program around and i requested to cancel around XXXX and be refunded. The company refused and discover refused to favor in my side during the dispute. They chose to side with the merchant and not dispute the {$150.00} i was charged during a trial period that i was charged before the 7 day trial ended. I was 6 minutes late? Or really i should have been able to cancel until XXXX without penalty since i did not get access until then.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. BEFORE, DURING, OR AFTER THIS TRANSACTION THE PERTINENT FACTS OF THIS TRANSACTION WERE NOT SET FORTH IN A CLEAR, CONSPICUOUS, OR REASONABLE MANNER. THAT MEANS I NEVER RECEIVED ADEQUATE NOTICE MAKING IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY AGREEMENT ( S ) MAKING THEM NULL/VOID. I WASN'T AWARE THAT FIRST XXXXXXXX XXXX XXXX WOULD BEREPORTING ANY DETAILS OF OUR RELATIONSHIP TO ANY 3RD PARTIES ( CREDIT BUREAUS ) WHICH IS A DIRECT VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( XXXX XXXX XXXX XXXX  ), IVE EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF XXXX XXXX INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is illegally on my credit report I have not supplied proof under the doctrine of estopped by silence, Engelhardt V. Gravens ( Mo ) 281 SW 715, 719 I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Product: Mortgage

I wish my mortgage had never been sold to Roundpoint Mortgage Company a year ago. They have been terrible at basic functions and unhelpful in resolving their mistakes. I became eligible for the XXXX XXXX assistance program after becoming unemployed during XXXX. During the process of setting up payments XXXX mortgage sold my mortgage to Roundpoint mortgage. As this was happening, the funds to pay the mortgage were returned to the XXXX XXXX assistance fund. ( XXXX ) Then Roundpoint Mortgage miscalculated my escrow and monthly payments creating an additional problem, resulting in lower payments from XXXX. They did not include taxes in the escrow which created an inaccurate mortgage statement. Then after Louisiana began sending payments to Roundpoint, the payments were misapplied multiple times and not credited in a timely manner. One payment made by XXXX was sent XX/XX/23 but was not applied to my account by Roundpoint until XX/XX/23, then the payment was held in suspense, then finally applied as a principal curtailment on XX/XX/23. There was another payment that was mishandled this way in addition to taking months to apply payments. Meanwhile, Roundpoint ran another escrow analysis which they calculated as being short resulting in a mortgage increase of over {$200.00} a month, which I can not afford. Also, Roundpoint has been entirely inconsistent in calculating and sending mortgage statements in a timely and regular manner. I do not want to lose my home because Roundpoint mortgage is poorly managed. Please help! Thank you.
Product: Credit card or prepaid card

I called in early XXXX to close my Citi Advantage account and they dooped me into transferring into another AAdvantage Mileup Card with an annual fee. I called several times about this annual fee that was not disclosed and on XXXX its still reflecting as a balance on my card. Apparently there is a problem with your system waiving this fee and have requested this account be closed. If you can not properly transfer credit card accounts without charging people annual fees that were not disclosed then maybe you should not be cross selling credit card to customers.
Product: Checking or savings account

I opened an account online with Bank of America on XXXX I added my husband as a co applicant on same date he filled out the email they sent him to include him on the account. We were given access to the account app and provided an account and routing # which my husband quickly added to his XXXX XXXXXXXX and XXXX XXXX to make steady deposits because hes a barber. A few days later we received an email that my husband needed to fill out his paperwork emailed on XXXX or the account would be closed. He contacted Bank of America XX/XX/XXXX to advise them that he had already filled out this paperwork and we were unsure of what to do but didnt want the accounts to close. The rep stated that if paperwork was filled out disregard the email. We finally received debit cards on Saturday XX/XX/XXXX and I activated and used the card to make a payment on XXXX bills and to pay our cleaning lady. On first payment account was restricted. I call BoA and they said it was fraudulent activity confirmed I made the charges and lifted the restrictions. On Wednesday XX/XX/XXXX I go to my grocery store and utilize card and its declining, I contact BoA again and they tell me fraudulent activity but this time the card was closed completely and they would issue me a new one. Frustrated I hang up the phone on the guy, pay cash and walk out of the grocery store. I call back again to ask when this debit card is being sent and if we can put a rush on it and the new rep tells me my card isnt restricted my whole account is frozen. I ask why and they refused to tell me. I ask for a manager and they tell me the account is frozen and something about our identity. I ask what identity? Was this my husbands paperwork because we filled that out and they tell me they are unable to disclose and state i can open a new account. I say how can I open a new account with you guys when you wont even tell me why you closed this one?!? I ask when the funds will be sent and they said when the account closes. I hang up in frustration again. I call back XX/XX/XXXX as we opened a XXXX checking so my husband is able to take payments for his barbering and decided we will just wire the rest of the money from BoA to the new account. I call and they tell me that I am unable to do that as the account is frozen and i said ok can i go to a branxh and pull the funds and they tell me no I ask when is my money coming to me and they tell me the funds are set to he sent XX/XX/XXXX?!?? They may be able to do a hardship request so I can pull it from a local branch but it may not be approved and in the meantime I can not access MY funds simply because I opened an account with this branch and I am being given no information as to why? What happened?
Product: Credit reporting, credit repair services, or other personal consumer reports

Credco, Has lied in its response! It also has failed to provide a timely response to supply me with my file data it is currently providing to its subscribers in nanoseconds digitally! Credco has requested 60 days to reply and send my data file as a stall tactic! It is sending, sharing and distributing false data about my private, personal finances and other PII without my authorization to anyone that asks, and self-states they have a legitimate purpose for requesting the data. Credco does this without auditable verifying procedures or processes to prove the legitimacy of their subscribers purposes. They do not verify whether or not their subscribers indeed have been authorized by the consumer to receive the consumer 's PII. Further, Credco describes themselves as a data aggregator they're just a provider of information from other sources and will not be held accountable for the accuracy of the information they provide to anyone asking for consumer 's PII. They are harming consumers and have harmed me by providing fake, false and inaccurate information to their subscribers. Credco provides this information without providing a reasonable process that doesn't further violate the consumer 's rights to protect their signatures from Credco 's wholesaling of the consumer 's signature to its subscribers as yet another data point for sale. Credco is a corrupt organization morally absent of any integrity or ethics for ensuring any degree of accuracy in the PII data it shares is actually accurate. It perpetuates the selling of false, fake and unverifiable information without consequence and against both CA State consumer data privacy and protection laws and Federal consumer protection laws.

It is ridiculous for the CFPB to allow this corrupt CREDCO organization to get away with its delay tactics when it is providing daily false information in nanoseconds electronically to anyone that asks about my information. CREDCO 's conduct must be investigated. It is my expectation that CFBP will do its mandated job and require CREDCO to send me my data file including all data sources, sharing and selling to whom, when, what, why and where of all of my data right now and without further stall tactics and delays. CREDCO must be held to account and forced to release my information immediately as it does electronically to its subscribers daily. No further delays should granted to Credco.

This stall tactic of requesting 60 days is a fake stall tactic. This company is providing fraudulent information that is harming my life daily. It can and does provide my PII data file to any one that asks and subscribes to its fees instantly and electronically.

PLEASE DEMAND the Corrupt CREDCO to provide my file as requested!
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year>, I tried to send XXXX that I purchased from my Robinhood app to my external custodial wallet. I was able to successfully make this transfer six times within the past few days. I stayed within the 10 withdrawals and less than {$5000.00} limit that Robinhood established for crypto transfers.

However, the seventh transaction I attempted failed and I received a message that crypto transfers from my account are blocked. I reached out to customer service to get feedback and they said it may be congestion on the network. I tried again and the transaction immediately failed. A message populated that withdrawals are restricted on my account. After many times of contacting Robinhood, I received an email that I should submit a picture of my license front and back, a recent bank statement linked to my debit card and selfie pictures from different angles. I submitted all that information the same day it was requested on XXXX XXXX. I received a message on the Robinhood app that my issue would be resolved by XX/XX/XXXX. Then I received a call from customer service asking questions concerning the security of my account, and I answered all questions. I then received a message in the app that my issue would be resolved on XXXX XXXX. I have emailed XXXX several times since XX/XX/XXXX and I continue to get automatic replies with no satisfactory reason for keeping my account restricted. I no longer have an option to request a call from customer support. The message in the app says my account is under review for suspicious activity and I was told I would hear back by XX/XX/XXXX yesterday, but now it says XX/XX/XXXX. This is the fourth time the date has been extended for when to expect a resolution for the restricted status on my account. I have provided everything that was asked of me by Robinhood to resolve any issues of suspicious activity and yet they still have denied me access to withdraw thousands of dollars Ive deposited into my account. The poor customer service, very limited ability to communicate with Robinhood support and denial of access to my funds after having received requested information from me for over a week now is unacceptable.
Product: Mortgage

Village Capital LLC., FAILURE to communicate via HARDCOPY MAIL via USPS . in XX/XX/XXXX, borrowers setup autopay in XX/XX/XXXX, borrower was charged a late fee of {$110.00}, that was caused by unauthorized INCREASE mortgage payment from {$2500.00} to {$2800.00}. due to the servicer actions. the borrower was unaware of increase and XXXX auto payment was returned back due to payment increase towards the Escrow Acct. the monies was for Insurance and the account has the required min amount sufficient to cover the cost for the Insurance Renewal with monies leftover to cover property taxes. The Escrow Account is temporary according to the contract agreement sets to expire in XX/XX/XXXX, but once the insurance and taxes are paid due to Village Capital unauthorized increase the borrowers will have met their requirement and the VA Loan does not require an Escrow Acct. I want a WAVIER to CLOSE account. XXXX I received a Renewal Insurance Notice and sent a copy via certified mail to Village Capital , the Insurance Cost 12 months for a total of {$1400.00}, to cover XX/XX/XXXX - XX/XX/XXXX, the Escrow Account has approx, {$2500.00}. The Borrowers demand the following : ( 1 ) Refund/Credit of [ all ] Late Fees, ( 2 ) Pay the 12 months Renewal {$1400.00}, Insurance Policy, ( XXXX ) Any remaining monies to pay the XXXX, Property Tax, and CLOSE ESCROW ACCOUNT. after monies are paid. I want a full refund for all LATE FEES Charged, and Renewal of Current Insurance. Their Actions are in violation of the Military Lending Act, Washington XXXX Regulations, and ( CFPB ) is a federal agency that regulates mortgage servicing companies. The CFPB enforces laws passed by Congress to protect consumers from unfair practices by lender.
Product: Money transfer, virtual currency, or money service

I was inquiring online for a {$5000.00} loan. XXXX XXXX from Regional Finance XXXX ( XXXX ) responded He said I was approved for a {$5000.00} loan with lenders out of XXXX. I inquired a few days later about when I was going to receive the funds. He said he would call the lenders and see what the hold up was. He came back with the lenders wanted three months payments upfront as a good faith gesture that Id pay back the loan. They instructed me XXXX XXXX the money to an individual. When inquiring about why it went to an individual and not a bank I was told they were the lenders. Still no money and I once again asked for another 3 months. I refused and XXXX said he would refund me. It was a little over {$700.00} with transfer fee. I have yet to receive the refund. I just went to their website and it has been taken down. I have emails but I dont know how to load them.
Product: Payday loan, title loan, or personal loan

I took out a loan with this organization. I set up a ledger with them to pay online. I set up an early pay-off plan which should deal with my full balance and encouraged them to process the payments online. I was guaranteed they would do that. I didn't have the sum settled after debited from my card so after signing into their online entry I see that they have recorded for a different card I initially joined with. They endeavored to disclose to me that it was only the name of the bank that was changed, not the record number. In any case, they charged me various expenses corresponding to some late fees that they will not discount, have announced it as late 30 days on my credit report making my score drop. I likewise track down that changing my data is a gross infringement of my monetary data and they would not assume any liability for this and appeared as though they were attempting to cover it up that they didn't include the right installment data after various client support solicitations and they were attempting to gather installment by whatever method with a record that was not in the loan application. Since XXXX has an option that in the event that you pay before 90 days, you pay the specific amount of the credit you apply for, At that point, I did the payout over their mechanized assistance. Since the installment didn't go through they charge me twofold of the sum concurred and are reporting erroneously
Product: Credit card

I have already reported this. I was scammed out of {$880.00}. American Express keeps closing and reopening the dispute. They responded to my previous CFPB complaint that it was mishandled and closed but then reopened it the exact same day. The scammer had provided merely an obviously falsified and absurd XXXX XXXX document that anyone could make. I have provided screen shots of everything I could, as well as clear descriptions of proof that their word document is false and that the shipping information was a lie. The product ( a XXXX XXXX XXXX XXXX XXXX ) was delivered to a locker NOT at my address weighing only XXXX. Their proof is a screen shot of XXXX maps with a pin in my address ( but also shows nearby businesses which clues into it being a XXXX maps screen shot that someone at American Express agreed on ). Their proof says it was shipped and delivered both at midnight on the same day ( which I have pointed out to American Express multiple times ). I have provided their email and phone number. I have submitted an IC3 report, a report with XXXX ( their site was taken down the exact same day it was delivered which I have also told American Express about ) I have submitted a previous CFPB report which was conveniently closed right before they reopened the dispute. At this point it is a detriment to health, the stress is ridiculous. I can not believe after nearly a decade with American Express, a business account, a savings account, and referring family, that this is honestly how they are treating this situation.
Product: Credit reporting or other personal consumer reports

I opened an estate account with Chase Bank in XXXX, XXXX. Someone at Chase made an error, and Chase threatened me that they would close the account. The banker reopened the account. After it was reopened, Chase did a hard check on my credit. When I asked the banker about it, he said it was a soft check done whenever a new account was opened. The check is not a soft check and says I tried to open a JP Morgan credit card on XXXX. I did not do this and neither Chase nor XXXX will remove the false information. This has resulted in ding no my credit record. My credit score was above XXXX and has fallen to the XXXX 's - from Excellent - to Good. 

They will not answer the phone, and the online service keeps telling me to contact the provider, Chase, who in turn tells me to report the problem to XXXX. I tried to correct with Chase on XX/XX/XXXX and they refuse to help me.
Product: Credit card or prepaid card

I was amazed when I reviewed my XXXX, XXXX and XXXX credit reports and saw that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX, I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this took effect, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Product: Mortgage

I had called our mortgage company to find out why our payment went up for the month of XX/XX/2021 from XXXX to XXXX and the company said it was due to our taxes which was close to {$6000.00} then our insurance was {$2900.00}. The mortgage company said that if I could pay the escrow of the house was {$6000.00}. then my payments would remain the same but it was a fixed loan at XXXX XXXX and fixed XXXX yrs rate and we did not have to pay any property taxes since we are XXXX XXXX XXXX service connected. The mortgage company told me that all we needed to do was find a cheaper insurance for the home and that was all.
Product: Mortgage

NOW AGAIN I AM BEING SENT THESE LOSS MITIGATION DOCUMENTS. I DID A LOST MITIGATION BACK IN XXXX AND IN XXXX WAS GRANTED ASSISTANCE WITH THE INFORMATION ADDED TO THE APPLICATION AT THAT TIME. AND WAS SENT A MODIFICATION FOR 30 YEARS TO BE ADDED, WITH ADDITIONAL LOANS ADDED. WHEN I REJECTED THAT MODIFICATION WAS SENT ANOTHER LOST MITIGATION PACKAGE WITH THE SAME INFORMATION ADDED TO THE APPLICATION I HAD ON THE XXXX DOCUMENTS, SENT IT OUT TO THEM AND I WAS TOLD THAT I NEEDED THIS AND THAT. MY FORBEARANCE STARTED IN XXXX TO XXXX. I STARTED BACK MAKING MY PAYMENTS IN XXXX.I DID 2 LOST MITIGATION APPLICATIONS SINCE XXXX AND WAS NOT GRANTED THE HELP I NEEDED. INSTEAD OF FINDING A SIMPLE WAY TO SOLVE THIS THEY WANT ME TO DO A MODIFICATION OF {$26000.00} FOR THEY CAN PROFIT DOWN THE YEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit