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

From XXXX to XXXX XXXX XXXX i filed a dispute Experian, XXXX and XXXX about the inaccurate reporting of XXXX XXXX -- XXXX because the Dates Of last activity shows multiple dates which a violation of the FCRA because these bureaus are not reporting accurate info on my consumer credit report. So now I'm contacting the cfpb to step in and help me get this issue resolved. I have not heard from them in over 3 months as of today. Thank you
Product: Credit reporting

I mailed a letter to Transunion explaining that upon reviewing my credit report, there was a bankruptcy reporting to my credit report. I had not filed bankruptcy and this was reporting negatively on my credit report and causing me to get turned down for a car loan. I received a response from TransUnion informing me that they verified this information when in fact they had not.
Product: Checking or savings account

This is my 6th complaint against Axos Bank with no resolution. After telling me XXXX has denied the chargeback and still no valid tracking information has been provided. Axos advised me to work it out with the merchant. ( Again ) here is XXXX response from the XXXX and an email from the exclusive resolution team. here is the NEW information. no further resolution will be available with the merchant I need the chargeback completed. as the order WAS NEVER received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm just going to be very blunt, I'm exhausted by the extent of required time and diligence for witch I was very unprepared for the long term commitment to finally get the opportunity to file a report of my identity Theft witch I have just been forced to get used to the difficulty of the impact of life changing proportions. I was looking for a valid way to check on my credit report and I subscribed to Experian credit monitoring a Application available on the XXXXXXXX XXXX XXXX and I paid for the reports of the Three major credit bureaus and the reason for witch I absolutely have to submit this complaint is the obsurd details of data that supposedly was found in the investigatory alerts for witch I was very much not satisfied with to be credible to be of existence. My current phone number wich is not more than a year or so old was literally in the different types of instances to be dated to XXXX and my phone number as part of the data for witch the alert was generated and the other types of repetitive consequence instances of the same XXXX XXXX as the carrier witch suffered a breach and the personal is information to my account was exposed. Other types of details that are not related to credit bureaus such as background checks for witch I have performed on my self back to XX/XX/XXXX and XXXX individuals that have used my identity and my imidiate family are all linked to certain individuals that I was able to verify that it is factually correct. But the reports were very much peppered with none specifics for the consistency of the integrity of the credibility of the service to provide a full itemized format for witch I have obtained in the past. The reports were just Very Short and a very unethical false advertising for service such application to a a very important aspect of credit bureaus standard for witch I cancelled the subscription and I was not entitled to a refund. I reported it to the developer and I contacted the corporate office to Experian and summit my complaint to the representative for witch I have not heard anything from. I have continued to receive emails from the cancelled subscription and I am very apulled that the necessity to get such a accurate report of my credit is not a gambling shopping experience that is not a abnormal requisite to aquisiton of witch is federally requested and I have the right to exercise the request for a valid report not a gimmick. 

XXXX XXXX XXXX XXXX
Product: Debt or credit management

Hello According to 15 USC 1692 c this you have violated my rights by unlawful communications, Please remove this collection from my credit. I have received threatening XXXX  calls from a XXXX  with this company, this man has named my place of employment and my home address and has threatened to come to these locations to serve me as he stated his company had filed a court order against me. I have no knowledge of what this man and company is referring to and has caused me to very concerned. I have notified this company and no one seems to care this is violating my rights as an XXXX XXXX there for please remove this collection off my credit report once and for all thank you.
Product: Credit card or prepaid card

On XX/XX/XXXX20 my bank, XXXX XXXX, overnighted a check to Citi to pay off a credit card debt in full. The check was for {$14000.00}. XXXX Checked cleared, per bank, on XX/XX/XXXX20 ). After approximately 5 days, Citi was contacted to determine why check was not reflected on online portal. Informed to call back as it may not of been processed yet. On XXXX/XXXX/20, I called and informed payment not received and payment investigation was launched by Citi. I was later informed that check had been deposited in another account at Citi. Later, I learned XXXX XXXX had sent check without any of my identification. XXXX  XXXX submitted copy of check and letter to Citi for clarification as requested. Multiple phone calls ( totaling over 20 hours with wait times, etc ) to Citi. On XX/XX/XXXX I filed complaint with XXXX as issue had not been resolved. Subsequently, my account was appropriately credited and I closed complaint. Then, XXXX balance was placed back on my card. Again, more calls to Citi. After multiple calls, account again corrected to balance of XXXX XXXX I was provided a XXXX $ Customer credit for the trouble XX/XX/XXXX. XX/XX/XXXX my account balance was - {$25.00} ( reflecting gift and XXXX $ debt ). The following week, I noticed balance of XXXX XXXX Again multiple calls escalated. Today- 3 months later in totality- and issue still not resolved. Bank has submitted all requested information as I have been emailed fax confirmations from them, as well. I was recently was told by account supervisor XXXX at Citi on XXXX that all they needed was copy of check and it would be fixed. Issue still not fixed and told they need statement which my bank submitted. Reoccurring negligence and issue needing resolved expeditiously.
Product: Mortgage

My two loans with XXXX XXXX were transferred to XXXX XXXX  in XXXX. They had both previously been in XXXX related HOLD ( forbearance ), but monthly payments had resumed months ago, and both loans were current as of XX/XX/XXXX. My two complaints are : ( 1 ) .XXXX  is erroneously charging me for insurance that has continuously been in place since XXXX and ( 2 ) Selene claims that I am {$38000.00} past due on loans that my previous loan service provider, XXXX XXXX XXXX supposedly placed at the end of both loans. The second problem is my main concern, but both are obviously important. I am attaching proof that insurance has ALWAYS been in place on both loans and the COVERAGE on both condominiums was acceptable to XXXX XXXX. 

When I went to make my XX/XX/XXXX payments, you can imagine my astonishment to see my accounts were {$38000.00} past due. That total seems to be what two the Forbearance amounts would equal. An amount that I was assured from XXXX XXXX had been placed at the end of the loans. That procedure, as you know, is commonplace for people coming out of Forbearance. BTW, the primary signature on this loan is my wife who currently has an XXXX XXXX score and is desperately afraid of the credit consequences from not making these {$38000.00} past due payments. 

It is virtually impossible to get a XXXX representative to acknowledge this problem. There are no supervisors ever available and the average wait time is 20 minutes. Their on line complaint box will only hold 150 words ( really ) and it is impossible to adequately convey my problem. I have asked for a Supervisor call, but none received. 

I assumed that XXXX XXXX, per our ongoing year efforts which included both written and verbal authorizations, had placed the amounts at the end of the loan as promised. Now that they ( XXXX XXXX ) no longer have the loan, discussions about previous commitments and dialogue are no longer available. This is the perfect storm and I swear I do NOT think it is unintentional. 

My few dealings with XXXX have been brutal. As mentioned, they forced insurance on both loans although the ONLY time I was notified, I responded immediately with proof of insurance. Whoever is reading this, and I assume skilled in loan processing company practices, please ask yourself what are the odds/chances that both XXXX XXXX loans were sold to XXXX with NO insurance coverage on either property? Also, how could the loan be sold ( XXXX ) WITHOUT proper paperwork? Is this not what got these Loan Service Processing companies in trouble back in XXXX and XXXX? For the record, I am attaching proof of insurance. Although, as you can imagine, this itself is a big problem, my main concern is the {$38000.00} past due that came out of nowhere. 

In summation, thank you for giving me enough space to plead my case. It is my honest opinion, that XXXX is the " Dirty Work " processing company that loans are transferred to when there are unanswered questions that have sat too long. XXXX takes a position favoring the Investors and bullies its customers. PLEASE HELP
Product: Prepaid card

I withdrew cash benefit from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXX on XXXX/XXXX/2024. The ATM charged {$4.00} for each transaction ( Total {$8.00} ). My XXXX  card no. XXXX This charge is against XXXX XXXX card guidelines. In past transaction no charge was deducted at the same ATM. 
I am asking for return of the deducted fees to my card or to my account in the same bank. 
And to set the ATM for correct operation for future transaction with XXXX cards
Product: Credit card

Capital One randomly locked all of my bank accounts and credit cards with them on XX/XX/year>. I tried to contact them to resolve this, but they are refusing to unlock my accounts. I'm unable to use my credit cards, nor access any money in my checking and savings accounts.
Product: Vehicle loan or lease

XX/XX/2021 I started working with Ally Financial Inc 3rd party for a car loan. 
The debt was settled and taken care of on XX/XX/2021. On XX/XX/2021 a letter was sent to me. On XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX I contacted Ally Financial for a letter just to show that the debt was settled. 

I did a conference call, I wrote on XXXX, I emailed and have yet to get the letter.
Product: Debt collection

Received a call on my job phone and cell phone from XXXX XXXX ( on XX/XX/XXXX ) with XXXX XXXX who said she was representing Ace Cash ExpresXXXX from a debt from XX/XX/XXXX. She stated that I committed fraud, but this debt was paid to the collection company that Ace sold the debt to back in XX/XX/XXXX. I also received a letter last year ( XX/XX/XXXX ) stating that there was a settlement against Ace Cash Express from the CFPB and I won a portion of the amount that I had paid.Texas ' four-year statute of limitations on debts works alongside the Texas Debt Collection Act. The limited time period means thatdebt collectors can not sue individuals in an attempt to collect debts that are more than four years  past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and based on what I read on the FCRA. Negative information has to be deleted 7 years from the anniversary date of the error or seven years from the first date of delinquency. Well when I combed my credit report I noticed some old negative information that has not be deleted based on the law as It relates to the seven year deletion date. I need this information deleted immediately and here is the incorrect information : XXXX Account # XXXX XXXX - 60 day late - delete XXXX - 60 day late - delete XXXX  XXXX Account # XXXX XXXX - 30 day late delete XXXX - 60 day late -delete XXXX XXXX Account # XXXX XXXX XXXX - 30 day late delete XXXX - 30 day late - delete
Product: Student loan

Apparently, I have three " Signature Student '' loans ( private ) with Navient. I started getting calls from them about 2 years ago saying that I was in default on my student loans and I had never heard of them before so I tried to check the validity of their claim. I could n't get much information to verify that I owed them money but they harassed me 24/7 and I knew they were a student loan servicer so eventually I agreed to make a payment arrangement with them. In XXXX 2015, I agreed to make a lump sum payment of {$1800.00} over 5 months ( which I was told was 10 % of my total balance ) in exchange for them forgiving a portion of my balance and reducing my interest rate to zero. I also agreed to pay $ XXXX/month after the initial 5-month period. I made the agreed upon lump sum payments then began paying the agreed upon $ XXXX/month. I continued to get more calls from Navient claiming that I was still in default and explained that I had made the above arrangements and they confirmed that they had received those payments. They then told me that the Navient representative that I made the payment arrangements with only applied the payments to one of my loans and I actually had another loan that they didnt tell me about. So, I agreed to another $ XXXX/month payment for that loan and they agreed that any loan that they held would receive the benefits of my payment arrangement and monthly payments. Two years later, I am still getting calls from Navient saying that one of my loans in delinquent even though they show that I am making payments. They are also reporting my loans as delinquent to the credit bureaus! When I log in to their website, the first thing I see is that my loans are past due, then directly below that, they show the payment history of my payments being made on time ( through automated debit ) EVERY SINGLE MONTH! I dont know what the heck they are doing with my payments! My interest rate was reduced to zero but they never forgave any of the balance like we agreed to and they are ruining my credit and harassing me non-stop! I tried to mark this an inaccurate on my credit report but Navient just fights it and says that it is accurate and I have no recourse! Im at my whits end with this company and theres seemingly nothing I can do about it!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off my new car loan with Kia Motors Finance with a {$2000.00} overpayment. Kia Finance acknowledged receipt of the {$2000.00} overpayment. Since that date I have called them on at least 20 occasions, each time I get a completely different story. On XX/XX/XXXX I was told the check was in the mail and was given a tracking number, but never received a check. I never received the check and when I called I was told it was never mailed out. In XXXX I was told I had to prove I made the {$2000.00} overpayment. I e-mailed the electronic statement from my back to Kia Finance showing the {$2000.00} payment. On XX/XX/XXXX I was told the refund was approved and when I called today, XX/XX/XXXX, I was told it had not been approved. Kia Motor Finance, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX
Product: Credit card or prepaid card

Some time in early XXXX I called a company named XXXX to cancel my telephone service. After spending 20 minutes on the call and repeatedly telling the representative I no longer wanted their service I was unable to get them to cancel. I have since been filing multiple disputes with my Chase credit card. I was told that after 3 months they would be able to reject the charge. As you may have guessed they have not and stated they can't despite the fact that I have since sold my home and have been traveling overseas since that time.

Today I called to reject another charge and was told they can't stop them from billing me so I cancelled the card. I was told they will still be able to keep billing my old card number and I will be responsible for the charges. Sure could use someone's help.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

FACTUAL DATA | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX : Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXXXXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX XXXX XXXX  Account number : XXXX, Inaccurate. Account type information needs to be resolved. 

XXXX XXXX | XX/XX/XXXX : Account number : N/A, Inaccurate. Account type information needs to be resolved. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Product: Credit card or prepaid card

Capital One had an internal payment processing error on my account which has caused me to incur unwarranted late fees and interest charges. 

Here are the details : I received my statement from Capital One on or about XX/XX/2021. I sent payment in full of {$4200.00} a week before it was due. 

I have since received another bill on XX/XX/2021 reflecting late fees and interest charges and a balance of {$4400.00}. 

I immediately called in to confirm you received my payment of {$4200.00}, which was payment in full, and was told by XXXX at Capital One that they had internal problems processing mailed in payments during this time period. Because of this my payment that was due on XX/XX/2021 was not posted until XX/XX/2021. XXXX said she would remove the {$29.00} late fee but said the interest charges of {$89.00} could not be removed. I was then transferred to a supervisor who told me the same thing and that I needed to pay now {$140.00} to close the account and not get more interest charges? 

I attempted to pay the {$140.00} with the supervisor and he then told me he could only take a payment {$120.00} and that he would get back to me regarding more interest charges. So, in effect, I was not given a legal payoff amount and not allowed to pay my bill in full. 

My payment of {$4200.00} was payment in full and was allegedly only 5 days late ( due to Capital One slow processing ) and had somehow incurred {$89.00} in interest in 5 days and now is somehow {$140.00} and growing? 

Captial OnXXXX said they charge interest from the day of the purchase and for XXXX statements after on the average daily balance, even if the balance is paid off you still pay interest. They explained that these details are in the fine print of the credit card agreement. 

What's in you're wallet? The answer is no money if you use Capitol One with their deceptive practices. 

I closed this account and will never do anything with Capital One again.
Product: Credit reporting or other personal consumer reports

INCORRECT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XXXX Date Opened-XX/XX/XXXX XXXX Date Opened-XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/year> Sofi Bank XXXX placed a temporary restriction on my accounts, due to my errors with transferring the wrong account to fund a brokerage account with them, leading it to return. 

I spoke to them already but I am afraid this will drag on, and I have a pending check that is posting tomorrow XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.
Product: Credit card or prepaid card

I applied for the Citi Double Cash Card on XX/XX/XXXX and was approved for the card after additional verification steps on XX/XX/XXXX. This card was suppose to have a XXXX sign up bonus after I spent XXXX dollars in purchases. I asked them if I would receive the sign up bonus prior to using the card and the lady that I was speaking to said that she did not know. So after spending XXXX dollars I contacted the customer service department to see when I would receive my sign up bonus and they stated that I would not receive a sign up bonus because I didnt apply under the correct link. The sign bonus information is posted directly on the Citi website when you look up the Citi double cash card. Which is how I applied for the card. This offer was just created on XX/XX/XXXX for the sign up bonus. After seeing a article on XXXX XXXX for the sign up bonus on XX/XX/XXXX, I applied later that day. I have called multiple times to figure out why I was not receiving the sign up bonus and some of the customer respresentatives I spoke to hung up on me and I had to call back and they still couldnt tell me anything.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach XXXXXXXX XXXX XXXX XXXXXXXX XXXX they never answered Experian