23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My issue is with Keybank. Almost 10 years ago I had an IRA automatically rolled over to them when I left a company. They have held it hostage ever since. I've made numerous attempts to get that money out and have been given the run around for years. I've mailed in numerous forms spending unnecessary money on postage because they do not let me do anything electronically. Now I'm being asked to get something notarized. All to get my money out of their bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a revolving account since 2004 and there is derogatory account information that is not true on the account. I have called and mailed and received no response. I am a retired US military member and still have an account with XXXX XXXX XXXX and have tried to resolve the negative issue with the account. It is in good standing and have paid all payments on time, I have disputed it through credit bureaus and still no word from the company.
Product: Debt or credit management

company calling posing as my mortgage company requesting information to perform a loan modification on their behalf
Product: Vehicle loan or lease

1.lemon law 2. I still tried to settle with a 1099-A form witch the bank accepts but didn't wanted to accept there for breaking the law for me as a consumer law 3. They also treated me with the police if I ever went to the bank to take care of the issue in the bank and been harassment in the past 2 months I have received more than 30 letters from them.. 
4. Ect .... have lot more to complain
Product: Credit reporting or other personal consumer reports

Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Experian, XXXX and XXXX Credit Bureau is reporting inaccurate information on the following accounts. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting incorrect information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Overview : I am one of four beneficiaries to a family trust. My sister is a beneficiary and co-trustee. BOKF manages the trust and refuses to assist me in providing necessary funds that are seriously needed for living ( housing, food, clothing, medical expenses ). They refuse using the excuse that my sister/co-trustee must approve of it. She doesn't approve of it and has refused since XXXX, 2021 especially. Some money is provided which allows me to stay at a care facility for the XXXX XXXX which is a miserable place to live and I have had increasing problems living there, especially since XXXX, 2021. I am not required to stay there, I am not required to take medications nor do I even have a XXXX. I have been trying to move out of there since XXXX, 2021, and all attempts to do so have failed because my income from my work will not support living elsewhere and my sister will not provide additional funds from the trust to move out to an even minimally comfortable and adequate living situation. The trust is valued at over XXXX XXXX. I believe that with XXXX XXXXXXXX for a few months will be adequate to get my company going enough to provide self-supporting income. My sister has only permitted XXXX XXXXXXXX for rent at the care facility, and XXXX XXXXXXXX for additional spending money. I also receive XXXX XXXXXXXX or thereabouts from XXXX. My sister will not even permit sufficient money for food and clothing costs that has caused much difficulty and problems for the last year especially. The trust knows all about this and refuses to help. I will attach documents and online links to documents and emails with this XXXX complaint.
Product: Debt collection

To whom it may concern my debt was paid off and written off by the Credit company, therefore I am not obligated to pay if again. XXXX XXXX is collecting illegally. I have asked several times for LVNV Funding LLC to provide me with the following documents, but they failed to do so. debt validation claims per 15 USC1692G 1 They didn't provide me with a full detailed list of payment history on this account. the original signature that I agreed to on the contract with the creditor. Has there been any insurance claim found on this debt, the claim of Title that they have to collect on this debt. All they keep providing is a letter of explanation and a copy of the billing statements only. No other documents reflecting chain of title, a contract between them and the original creditor, or if there authorized to collect on this debt. no contract with my signature with the original creditor. or if there were insurance claim on this debt. since they can't provide all the documents, I requested it should be removed from my credit report per 15USC1692-C I and FDCR Laws Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested help on this issue several times. XX/XX/XXXX is especially negligent in verifying this account. Comenity Bank has consistently reported an account I had with them and opened and closed it depending on the month. I have a letter dated XXXX/XXXX/2019 informing me by Comenity Bank that my account was closed and sold to XXXX XXXX XXXX at that time. Yet Comenity continued to report my account, usually with a XXXX  balance, for over a year and some months showing 120 days late. This intentional false information supplied to credit bureaus has prevented me from obtaining credit, refinancing my home and increased my insurance premiums. I am outraged that for over a year I have been reported as delinquent by a company that doesn't even own my account with made up late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received a copy of my credit report and noticed some hard inquires that i don't recognize. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX I attempted to use ingo bank 's mobile check cashing service. I was denied. I had this same issue several months back and was told the problem was resolved and I am ok. now I am being told I am permanently denied due to something that happened in XXXX I explained I was a victim of identity theft and had no clue what she was speaking about. She said I needed a police report. I explained there isn't one because I am just finding out about this. and it has been 6 years and I'm not sure I can still receive one. She was rude and not helpful. she refused to give me details as to what happened.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion have unauthorized INQUIRIES reporting on my account. I have no knowledge of these inquiries or receipts of transactions and I for sure did not benefit from them. I need these removed immediately so these are not reflecting on me when I had nothing to do with them. 

XXXX Inquiries XXXX  XXXX XXXX ( Inquiry Date XXXX XXXX XXXX ) XXXX XXXX XXXX  XXXX ( Inquiry Date XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( Inquiry Date XX/XX/XXXX ) Transunion XXXX ( Inquiry Date XX/XX/XXXX ) XXXX  ( Inquiry Date XX/XX/XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my full balance of charges that were incurring interest charges on my PayPal Credit Account funded by Synchrony Bank on XX/XX/year>. They are refusing to credit the funds to my account and it still shows i own the full amount to avoid interest charges on the account. they are telling me it their standard practices to hide the funds for as long as they want for no valid reason until they feel like crediting the account. the funds were removed from my checking account within 24 hours and have been in their possesion for 10 days with no notice of any actions or concerns from Syncrony Bank. I had to go on to the online web site to find that the fund had not been applied properly to my account.
Product: Mortgage

I Obtained a mortgage through XXXX XXXX XXXX in XX/XX/XXXX. XXXX sold my loan to XXXX XXXX and Specialized Loan Service shortly there after. My certified mailing address was shown to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX recoded my address to be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I never received any mortgage statements from XXXX as they were going to the wrong address. I learned about the error on XX/XX/XXXX when I was checking my credit and noticed a 90 day late from SLS/XXXX. On XX/XX/XXXX I made the payment to XXXX  to catch up, and set up the mortgage to be on Auto Payment Drafting from my bank account so this wouldn't happen again. SLS/XXXX 's automated phone system allowed me to do this. However, what I wasn't aware of was that, SLS/XXXX will not let you set up auto drafting for 48 hours after a phone payment is called in. So, I thought I was set - auto payments would be made and I wouldn't have to worry about this property and the above happening with XXXX again. Unfortunately, even though the automated system allowed me to set up auto payment, SLS/XXXX   didn't honor that and I received another late payment mark on my credit because the following payment never happened. So, this time, I made the payment with a live person and set up auto drafting with a live person. Which is interesting because they allowed me to set up auto drafting even though my other payment hadn't cleared ... The long and the short is, SLS/XXXX has administrative issues and consumers are getting the short end of the stick. I greatly appreciate any assistance you all can provide in disputing this derogatory mark on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting accounts on my personal report that was involved with my business. 
My business has since filed bankruptcy with these items listed, I provided proof from the Bankruptcy court and my attorney to Experian but they constantly say that its verified and accurate reporting.. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was signed up for XXXX XXXX  without my knowledge, had late payments reported to the credit bureau and had a loan denied
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the XXXX  report. Since it is a necessity by regulation XXXX of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXXXXXXXXXX  XXXX  XXXX Balance : - XXXX XXXX XXXX Balance : XXXX XXXX XXXX  XXXX XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX  XXXX Balance : XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft I mailed a ftc report and the chex system didn't fix the error they just keep adding stuff I didn't recognize
Product: Mortgage

After almost a year after closing on our refinancing, Rocket Mortgage/Quicken Loans is asking for updated financial info based upon their Compliance Agreement which says from " time to time '' they can ask for updated info, which, we believed this to mean during the time in between applying and closing. Not almost a year after closing. We did turn in our leased car and bought a car during that time, but the amount was the same and it was two months prior to closing.and was verbally passed onto Rocket Mortgage. 

Do they have the right to peer into our finances at this late date, a year after our closing?
Product: Credit reporting or other personal consumer reports

I am following up on my earlier complaint dated XX/XX/2023, where I identified inaccuracies in some of the information. Again, I am requesting that the three credit bureaus validate these accounts in my Experian, XXXX, and XXXX Credit Reports in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is imperative that they do not neglect to validate this reporting account, as unverified information should not be allowed without providing proof within the legally stipulated period. The account requires investigation for erroneous reporting in my file and is detailed on my credit reports : XXXX XXXX XXXX Balance Owed : {$390.00}
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. This account : XXXX  # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )
Product: Checking or savings account

I received a deposit from the IRS in the amount of XXXX XXXX and XXXX XXXX and XXXX XXXX  On XXXXXXXX XXXX I received a deposit of XXXX XXXXXXXX XXXX and XXXX dollars. Then, I tried to Use the Money that was mine by re-opening up a checking account through them, which they then told Me that they could not do Since they had closed one before. fine, that's their decision. So, I decided to withdraw the money into an external bank. The original bank that was connected to the account had been closed. So, I decided to link another bank account. I was not able to do it through a glitch ( or so they say, through research most people can't. ) so I contacted customer service and they could not figure it out. I should be able to do this! this is my money we are talking about! 
I went and Tried to do it through the XXXX XXXX app The bank that I was trying to transfer into. I did it that way that was successful! Or so I thought. the money was then taken out then reversed back into the credit karma account. first I contacted XXXX XXXX customer support and everything has been good on their side every time I call. So then I contacted the customer service representative and told them that that wasn't working and they tried to give Me all these other ideas. 
That did not work. 
So finally one of the customer service representatives that I talked to probably the fifth or sixth one decided that they Would be would uh send it to a higher-up department, He then sent it out to them. He said that they would respond within twenty-four to forty-eight hours. 
They still have not gotten back to me it has been passed that timeframe. First, I tried to call the number and get ahold of this so-called team but I was unsuccessful. I tried to get the money out through a paper check today, and he said he can not do that because the reversals have not yet been finalized and that when he does send me the check it's gon na take seven to ten more business days to get that out, which is you know, I have bills to pay things that are past due. This money should have been available to me quicker than it is now! 
I tried to get all the reference numbers but they will only send me one at a time an they are all different. 
Thank you. 
Credit Karma XXXX XXXX XXXX XXXX
Product: Debt collection

I recently started using a new voicemail service and since then, have been receiving calls from Discover Bank on average ever 2-4 hours.
Product: Checking or savings account

Sofi checking account frozen after a deposit was made from a family member, speaking to customer service said no timeline available for help and no one i can speak to directly to resolve the freeze
Product: Mortgage

I have a FHA mortgage with Midland Mortgage. I applied for and received a COVID Partial Claim. So far so good. I have made all payments since the partial claim before due date and without incident. However, the credit report reads several months of delinwuency. As the guidance shows, the mortgage company should not report a delinquency for those months. Therefore all months from XX/XX/2022 to date should show timely. This has been an issue before when I had a previous unemployment forebearance and modification. 

The CFPB was extremely helpful in getting this corrected.
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and strongly suspect them to be fraudulent. I implore you to conduct a comprehensive investigation and expeditiously remove them from my credit report. I have submitted supporting documents for your examination.
Product: Mortgage

During the refinance process, loan officer XXXX XXXX of Carrington Mortgage fraudulently misrepresented ( in writing and then verbally ) that my FHA Partial Claim XXXX : 1 ) in writing : that the claim would be paid as a result of my refinance ; then, subsequent to me accepting that offer in writing, 2 ) verbally by phone on or about XX/XX/XXXX  : that the FHA partial claim would not be due. Carrington was able to negotiate with the partial claim servicer to keep the partial claim so that it would not come due until the end of the new loan. The conversation occurred after I pointed out the Closing Disclosure did not reflect the FHA Partial Claim payment as requested. That's when XXXX called and when I returned his call he told me the great news, that the partial claim wouldn't be due. 

I have a copy of email correspondence from XXXX XXXX
Product: Student loan

Every time I check my credit report, I am continuing to see more loans with high amounts under now a company called Navient. Every call I make never seems to be documented. No one can ever give me straight/accurate answers as to why I have so many different loans. Nor are they able to address why these reported loans are so high. This is a serious issue and obviously their carelessness is affecting my credit score negatively. I really need help with this.
Product: Mortgage

I had wells Fargo accounts that were opened that I was not aware and being deducted from my only account I thought I had they were going statements going to a po box money market is as etc. then I found out I have a mortgage with XXXX under my dad 's name with one of my stolen passports and now XXXX is using my dad 's name under my social and report
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXXDEPT OF ED - XXXX XXXX/DEPT OF ED XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX/DEPT OF ED - XXXX XXXX/DEPT OF ED - XXXX XXXX XXXX XXXX - XXXX XXXX/DEPT OF ED - XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and XXXX XXXX These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations. Cash app failed to respond when money was taken from accounts to different customers instead of the intended recipients and also I have submitted all proper information requested for a legal name change more than 3 times. Never once did I speak to someone, only answered from chats asking to resubmit the information time and time again. They even stated they received but needed this again. I have all chat support from these encounters located in the account and is accessible by both cash app support and myself
Product: Credit card

I was making a donation to my children 's school and was directed to use PayPal XXXX XXXX to be able to charge it on, a business credit card ( wanted to get the points ). My dad who shares this company card with me saw the charge and did not recognize it so he filed a dispute. We then spoke about it and realized the mistake that was made. My dad called back the card customer service and asked it to be sent back so PayPal could distribute the funds to the school. XXXX XXXX on XX/XX/XXXX, fraud dispute on XX/XX/XXXX ( credited back by card company ), changed again on XX/XX/XXXX. For months we have waited for the funds to be applied to the school 's giving fund or for them to be sent back to the charged card. I have filed many disputes with PayPal, called them, messaged them on their site, talked to the credit card company, who can't do anything at this point because the charge was already disputed once. Finally on XX/XX/XXXX PayPal says they have closed the case and have sent the funds back to the issuing card but it could take 30 days. Called the credit card today XX/XX/XXXX after not seeing any credit back for weeks. They have no credit from PayPal. Call PayPal again today, the person on the phone says they will see where the funds are and will send an email in XXXX hours. I want my {$5000.00} back ultimately so I can donate it to the school who I have promised {$5000.00} to.
Product: Debt collection

Received scare tactics to family members who would not provide my address. Received automated calls stating federal employees will arrest me or a warrant will be issued if I did not call back within a certain time frame. Told I was sued and I have to pay $ 1000s but never received court ordered documents to back up claims. Received multiple calls after advising not to contact my phone number anymore. I contacted the Payday loan service who said the debt was sold to a 3rd party and the company is not suing.