23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on several occasions to XXXX because the website they offer for a monthly fee tells me that I cant see my most recent scores from XXXX or Transunion. I have followed the prompt and reached out to both XXXX and Transunion to fix the supposed issue of them having information that doesn't match that of XXXX. They verified that everything I have on their files match each other. But for months now I haven't been able to see neither the XXXX nor the Transunion score or report sine XXXX of XXXX.
Product: Checking or savings account

As a Peoples Bank customer i have gone through the nightmare that was the transition or lack there of to M & T Bank. 

See XXXX XXXX article dated today : XXXX XXXX XXXX As an FDIC approved personal checking and business account holder I have not had access to my accounts since last Friday as branches and mobile banking were closed due to the transistion. 

Tuesday, I waited more than 16 hour and finally received a call back from M & T after hours which was impossible to respond to. I still do not have access to my mobile accounts and the mobile app repeated crashed. The customer service numbers did not function at all and when I went in person finally to a branch they were not able to assist me and directed me to call customer service which I explained was impossible. 

M & T Bank botched this transition and demonstrated a lack of execution, leadership and planning of staff allocation to accommodate what should have been foreseen as a high demand client service event. 

The fact that this is an FDIC insured bank and we have essentially been locked out of our accounts over the XXXX XXXX weekend should be investigated at a minimum. I dont recall receiving any document which stated accounts would not be available. 

This is what happens when your small community bank continues to get bought out by larger banks. You lose quality customer service and see an erosion of your banking services.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I received an email from Advance America for a XXXX XXXX settlement agreement on my account. The settlement payment was for {$390.00}. I contacted Advance America on XX/XX/2023 and verified the settlement agreement was still valid. After being told it was still valid, I made the payment the same day. After that I never received any paperwork from Advance America stating my account was settled or paid in full. I called Advance America on XX/XX/2023 and requested that I receive a letter stating my account was settled. I was informed during that phone call that a letter would be coming in the mail and that my account was settled. They also said that I did not need to worry about that account anymore. I never received a letter in the mail. In XXXX of XXXX I started receiving phone calls from Debt Collectors stating I owed the remaining balance of {$390.00}. I assumed it was a scam because I had paid the settlement agreement 6 months prior. About 2 months ago my family and I started receiving phone calls and texts from Debt Collectors stating the same thing. I contacted Advance America in regards to these phone calls. I informed them that I paid the settlement and they agreed that it was settled but for some reason it was not registered in their system as settled and went into collections. They informed me that they would fix this issue. I contacted the debt collector and informed them of this information and they said they would need a paid in full letter from Advance America so they can resolve it on their end. I called Advance America multiple times over the course of the next 3 weeks asking if it was fixed and if I could have a paid in full letter to give to the debt collector. I was repeatedly told that they are still working on it. Eventually they started telling me that because the account debt was sold to XXXX XXXX XXXX that there was nothing more they could do. I contacted XXXX XXXX XXXX and asked what I needed to do for this to be resolved and was told the same information from the debt collector. I have continued to try and receive some form of documentation from Advance America stating that the debt was settled and they did not register it as settled but never got anything. Advance America continues to say that there is nothing more they can do since the account debt was sold to XXXX XXXX XXXX. I am beyond frustrated and stressed over this.
Product: Credit reporting or other personal consumer reports

Company Affirm has received disputes regarding 2 accounts reported to the consumer report. Affirm has provided the nature of the purchases and the amounts per each transaction. Affirm has indicated on prior Calls in the months of XXXX XXXX, that the accounts were both charged off. When advised for proof of the charge off documents the company has not corresponded in providing the information.Affirm advised the accounts were sold to a third party collection agency named ; XXXX. After speaking with several representatives from XXXX the company provided on XXXX XXXX that the company received an email and submitted a cease and desist letter for the accounts to stop all collection and advised the information was forwarded over to Affirm. Affirm has inaccurately furnished the report for several months all without stating to mention the collection agency they allege has the accounts in fact do not report to the collection agencies. I have attached all information pursuant to the conversations with several representatives from XXXX. I will like to advise XXXX has never been reported as the collection agency reporting on my credit report. Affirm has furnished the report inaccurately verifying false information reporting to the consumer report acting as if their is still an account with them. All parties pursuant to this dispute are responsible for the inaccuracy. This is and is not going unnoticed. As indicated I have attached information pursuant to the dispute and request all parties to fix these errors.I have disputed the inaccuracy of the information with the reporting agency XXXX on several occasions sending proof of the same information attached. I am requesting all errors be corrected.
Product: Credit card or prepaid card

I paid for my credit card in time but Bank of America still charged with interest on my creidt card. 

My Name : XXXX XXXX Bank Name : Bank of America
Product: Credit card or prepaid card

Capital One continues to try and XXXX me in commerce by denying to settle the account. I have provided payment yet they refue to apply payment to the account. WHY?! Capital One knows they report negative responses to credit bureaus and therefore it destroys my ability to obtain credit. The problem with this is that a credit report does exist, there is no negative responses on my credit report, I am the creditor the United States is borrowing from yet XXXX XXXX continues their financial slavery, XXXX me commercially, murdering me financially to the point I can not obtain my constitutional rights to life, liberty and the pursuit of happiness. What is Capital one 's reason for continuing to disriminate against me and damaging my credit. How can I live if I can not find a place because I am denied credit? How can I live if I have no utilities because I am denied credit? WHy does the government continue to allow these criminals to get away with these deceptive practices and damage the american public. YOU WORK FOR US! WE EMPLOY YOU! YOU NEED TO START DOING THE JOB WE PAY YOU TO DO AND PROTECT CONSUMER RIGHTS!
Product: Mortgage

I filled out online loan application for a mortgage refinance with Pacific Union Financial XXXX XXXX. Never received a credit decision after submitting all requested paperwork.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate entries on my credit report. Below, I outline the specific accounts that require investigation and correction : 1. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) This account lists a balance of {$57000.00} with a Collection/Charge-off status. 
Charge-offs : Per 15 U.S. Code 1601, all disclosures under the Truth in Lending Act must be provided, which I did not receive. 
Additionally, the payment history reflects inaccurate entries that do not align with my records. 

XXXX. Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) The reported balance is {$50000.00} with a derogatory Collection/Charge-off status. 
Disputes : According to 15 U.S. Code 1666 ( b ), billing errors or disputes must be investigated and resolved accurately. This has not been done for this account. 
I contest the legitimacy of the reported late payments and the lack of documentation substantiating this debt. 

XXXX. Account : XXXX XXXX ( Account # XXXX ) This credit card account lists a balance of {$7900.00} and is marked as Collection/Charge-off. 
Collections : Per 15 U.S. Code 1692 ( c ), I did not provide consent for a debt collector to contact me regarding this account. 
The comments state the account was closed due to inactivity, yet derogatory marks remain unjustifiably. 

XXXX. Account : XXXX XXXX  ( Account # XXXX ) This account shows a balance of {$8400.00} with a derogatory status and Charge-off remark. 
Charge-offs : As per 15 U.S. Code 1601, the creditor failed to provide full disclosures required under the Truth in Lending Act. 
The payment history contains inaccuracies that misrepresent my payment behavior. 

Requested Action : I request the following actions to rectify these issues : 1. Verify all disputed entries and provide documentation supporting their accuracy.

2. Remove any unverifiable or inaccurate information from my credit report in accordance with 15 U.S. Code 1681i. 
3. Provide a detailed response within 30 days of receipt of this letter. 

I have attached copies of my credit report with the disputed entries highlighted, along with any relevant documentation to support my claims. If these inaccuracies are not addressed, I will be forced to escalate the matter under consumer protection laws. 

Thank you for your prompt attention to this matter. I look forward to your resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Experian reported my account as enrolled on a consumer credit counseling service. That action prevented my 19-year-old bank, XXXX XXXXXXXX XXXX from extending a loan for a new vehicle. XXXX XXXX  XXXX had 3 of  my homes, my auto and has never being paid late, by denying my application without even considering my credit record, current income and impeccable history with them, they are discriminating against me under the FCRA act. 

There is no difference between a person like me that negotiated a re-payment plan with a few credit cards and never defaulted and a person that either has horrible credit or bankrupt. That is unfair to me and any other party that has kept their re-payment agreement as negotiated several years back. 
We are suffering the same faith as a bankrupt person. There is no incentive on us trying to protect our credit, we still get XXXX XXXX. 

I did not cost any of the credit cards income or default on their books. I just negotiated a better rate that they do offer to other clients. This is not fair under the terms of the FCRA. 

Please advise of ways to correct this. 

Sincerely XXXX XXXX XXXX Member of the XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent over a dispute to all 3 bureaus. They dismissed by dispute as frivolous and said it was not me. They are straight up guessing.
Product: Checking or savings account

I wish to bring to your attention about a letter I received from BB & T recently regarding amount owed. To give some background, I had previously filed a complaint with CFPB against BB & T and the account opening process with them ( Case # XXXX ). This case was resolved almost 2 years ago, with the bank ( BB & T ) offering to waive the charge off amount {$400.00} for the bank account. A copy of that letter from the bank ( BB & T ) is attached here. I have not had any banking relationship with BB & T after that. 

However, I received a letter recently in the mail claiming that I still owe {$400.00} and that they can settle for {$280.00}. The mail does not give any information to contact them and that I can mail the check or money order in the self addressed envelope. This came as a surprise to me as this case was resolved almost 2 years back and now I am being asked to settle this amount after their agreement to waive this amount. 

This practice of coming after the customer after agreeing to waive the amount is not professional. The letter sent in the mail also does not help in any way to contact them to speak about this. Hence, I am requesting CFPB to pursue this matter and assist me in dealing with them. This is causing me distress and time loss in looking into this issue and I feel I am also entitled to be compensated for this. 

Thank you, XXXX, XXXX.
Product: Debt collection

XXXX XXXX XXXXXXXX This company contacted me by phone only and told me I owed from my Nordstrom credit card ( a card I closed over 15 years ago ) I paid this debt off many years ago. They took my debit card information bc I thought it was on my current nordstrom credit card. I don't think this is a legitimate company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit reporting act 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 an account without my written instructions.
Product: Payday loan, title loan, or personal loan

I was informed that if I qualified for a short term loan with money lion that a membership fee would have to be paid while I had this loan. it was a {$600.00} loan to be repaid in 6 months, during which a membership payment along with a loan payment would be paid until the loan was paid off. {$130.00} for the fee and {$100.00}. for the loan payment. I made all the loan payments and paid off the loan on time XX/XX/XXXX XXXX. one membership fee was not taken from my account otherwise 5x {$130.00} was paid. when the loan was paid off my obligation for monies ended then. moneylion has since continued to withdraw {$130.00} a month two months after loan payoff. I contacted them and told them that those unauthorized withdraws on my account were not ok they told me that until I paid the missing payment fee from XXXX that I could not cancel the membership I didn't know I had. I went to their web site where I learned that the membership fee they were talking about was XXXX a month well with myself being charged XXXX a month these two fees must be different if a membership for XXXX a month is truly what I joined then why was I charged XXXX $ a month. when I was given this loan I was not aware I was joining a club, organization, or group I was simply informed that when I had a loan thru them I would be charged the extra fee. so now Money lion has  received from my account XXXX in membership fees and XXXX in loan payments totaling XXXX for a XXXX loan claiming I was only charged 5 % interest. I think that money lion should have to be held to there own guidelines. if I really did join a membership then I should have been charged their stated membership fee of XXXX for six months totaling XXXX plus the loan payments XXXX I should be able to cancel said membership anytime after load payoff. moneylion overcharged me XXXX a month on the membership fee 5 times ( XXXX ) charged me 2 months past loan payoff ( XXXX ) overcharging me XXXX I missed one fee charge of XXXX leaving us with a XXXX over charge to me. which I would like refunded. 


thank you
Product: Bank account or service

The new IRS regulation limiting the IRA rollovers has put a burden on those of us who have saved for retirement and are trying to manage our own investments without paying fees to stockbrokers. IRS publication XXXX, XXXX XXXX, 2014 states that " trustees are encouraged to provide the customer a check made payable to the receiving IRA trustee. '' This would satisfy the trustee to trustee requirement. Citibank refuses to accommodate our request and instead wants to charge us a {$75.00} fee to use the trustee to trustee transfer method. We feel that we have been penalized enough and are at a loss as to how to cope with continuing to have to deal with regulations that are not friendly to the customer. 
We realize that you do n't control interest rates, but before we could at least move our retirement accounts around to get the best interest rate, however meager.
Product: Student loan

I have been attempting to resolve denial of payments approved for the PSLF program for years. I previously was paying my loans through XXXX, then they were transferred to fedloan servicing. I have paid my payments on time in full, and because the tranfer, fedloan is denying qualifying payments due to computer or human error on their end. Please see email from fed loan. They state on loan sequence 6, one cent did not apply to payment XX/XX/2015 during tranfer and was applied to the following month. The other loans were approved for that same month. The rules for payment to be applied to XXXX is I must pay in full on time. I did this, and because fedloans error I am being denied. I have attached payments from XXXX showing I paid the full amount in both months. I do not have control over how the payments are applied to loan sequencing. I have additional months they are denying that they will not review or respond about.
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. 

XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX Number {$3700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$700.00} has violated my rights. 

These accounts have violated my rights. 

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 like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX debt collector has said i owe a debt of {$1000.00} with interest to citibank credit card. i filed fraud charge of identity theft to XXXX card was trying to charge me for a fraud charges of amount of {$1000.00} back in XXXX and XXXX and XXXX. i reporetd this as fraud charged to me when i did not charge nothing for {$1000.00}. someone stole my identity and charged {$1000.00}. i want this {$1000.00} with ciitbank and XXXX XXXX removed immediately as they are destroying my credit when i have excellent credit before this happened. im not paying for someone else fraud identtiy theft items that XXXX XXXX charged me for. called them many times to dispute this fraud charge of {$1000.00} and selveral times said fraud dept would take care of it a manager in fraud dept but looks like they never got it credited back to the card so i still wont be ruining my credit. i want this fixed asap.
Product: Credit card or prepaid card

I have a loan with Jpmcb Card. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Jpmcb Card with no successful resolution. XXXX only reporting me late.
Product: Mortgage

I have an interest-only home mortgage with Wells Fargo XXXX XXXX of the main features I wanted with this mortgage was the ability to pay down the principal and recast the monthly payments. I was reassured by my banker, XXXX XXXX, XXXX ID XXXX, that this was possible. In fact, in his initial emails, he had the following in his signature : " We have a free recasting service that allows you to buy your principal balance down by {$20000.00} or more, where we will re-amortize the monthly principal and interest payment based on the buydown amount ( essentially will lower the principal and interest payment based on the buydown amount without making you go through a full refinance ). This is a free service that you can take advantage of as many times as you want. '' I attempted to do this and was told this is not possible with my mortgage before the XXXX interest-only period is over. XXXX misled me during the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX and XX/XX/XXXX I disputed some erroneous information in my Experian credit report with the company. Both times, the company 's response was so fast it seemed computer generated verses someone actually taking the time to investigate the disputed issue. My mortgage company XXXX XXXX  reported that I was 30 days late to the CRA inXX/XX/XXXX, but after writing them and explaining the situation, they kindly removed the erroneous information off of my XXXX, and XXXX credit reports however, Experian did not remove their data as the other agencies listed did upon completion of the disputed investigation. After speaking to my mortgage company they notified me that they sent out the removal information to the companies however, Experian did not update their system and I needed to contact them directly. I have contacted Experian via phone, and online in regards to this information but they refuse to remove the information which is affecting my personal finances and my current pending VA loan. The only response I got from Experian was an email informing me a few days later that the disputed investigation results had been completed resulting in no change.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my wallet stolen and filed a police report because I started seeing items on my credit report that did not belong to me. I have contacted the credit bureaus with letters but with and no real resolutions. I am listing below the fraudulent accounts. 


Account Name : XXXX XXXX Date:XX/XX/XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX DateXXXXXX/XX/XXXX Amount : {$15000.00} Account Name : XXXX XXXX XXXX Date:XX/XX/XXXX Amount : XXXX {$75000.00} Account Name : XXXX XXXX XXXX XXXX   Date:XX/XX/XXXX Amount : {$6100.00} Account Name : XXXX XXXX XXXX XXXX Date:06/01/2018 Amount : {$25000.00}