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

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries : 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 XXXXXXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX,.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our current home mortgage is with Chase Bank, and we have been working with them since XX/XX/2021 on a refinance application. We submitted all requested documents apropos to the refinance application on XX/XX/2021, 225 days ago. Since then has been a regular stream of additional document requests. I have uploaded a total of 101 separate documents to the bank 's website during that time, all within 1 business day of receiving the information requests. These range from a written explanation of why we use a post office box ( I live in a rural community without home mail delivery ) to many, many documents pertaining to my small business 's finances. 

Today, Chase declined our application. Their stated reason is " insufficient income to debt ratio, '' which I'm sure is a contractually valid reason to decline the loan. However, our income to debt ratio is the same today as it was 8 months ago when we began the refinance process. What has changed, in the meantime, is interest rates. It is no longer in Chase 's best interest to offer us the refinance at the rate " locked in '' last XXXX, so they invented an excuse to decline the loan.
Product: Credit card or prepaid card

I am the recipient of a Georgia UI Way2Go Card Prepaid Mastercard. The card 's terms state that a funds transfer is a feature of the card : " You may transfer funds from your Card to a XXXX XXXX account owned by you. A fee will be assessed for each funds transfer request. You must initiate the funds transfer by calling the automated customer service at XXXX. '' I attempted to initiate a funds transfer by calling the automated customer service number 4 times on XX/XX/2020 and 2 times again on XX/XX/2020. I entered my account information and went through every option on the entire automated menu each time I called. There never was an option to initiate a funds transfer, nor was there ever an option to speak to a customer service representative. Each time I called, I exhausted all of the menu options presented to me before receiving the message that my " menu selection was invalid '' if I tried to press " 0, '' for example, then, " We're sorry you're having trouble. Goodbye, '' and my call was disconnected each time. This inability to initiate a funds transfer through the automated customer service line is completely contradictory to what is stated in the card 's terms. There also is no option to initiate a funds transfer from my Way2Go online account, as the only " Services '' offered there are " Bill Pay, '' " Alerts Management, '' " Pin Management, '' and " Disputes '' to dispute a transaction. I did find a link on the Way2Go Card website to " sign up for Direct Deposit, '' but when I clicked this, my State Program was not listed in the drop down menu ; the website explained that this means direct deposit from the card is not an option available to me. The only phone number given to contact Customer Service for this program is the automated line, which, as stated previously, doesn't give you the option to talk to a human to ask any questions, so I can find no way to initiate a funds transfer as stated in the card terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these negative items investigated and removed off my credit report because I have no knowledge of these accounts. The credit bureaus XXXX, XXXX, XXXX have deleted the accounts which confirms that the information is incorrect. However they placed the items back on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Truist Bank - XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - I received three ( 3 ) inquiries from Truist Bank for credit products which aren't reflected on my personal credit report. I've never applied to any personal credit product from Truist to obtain these three inquires. 

I received an email from Truist to go into a branch to finalize paperwork for a credit card on XX/XX/XXXX ( email attached ). When I went to the Truist Bank on XX/XX/XXXX ( I met with XXXX XXXX XXXX XXXX XXXX who finalized an application for submittal. During the meeting with XXXX I was never advised my credit report would be inquired upon multiple times for one business credit card product. XXXX advised I was only in branch to complete a Beneficial Owner Form data form, Controlling Person data form and a Business Resolution data form. While in office XXXX apologized when I showed her another credit card inquiry which occurred from Truist and stated she would follow up own this matter immediately. 

On XX/XX/XXXX I contacted the email address XXXX asking about the multiple credit inquiries and their response was XXXX would follow up on this request directly. In which XXXX sent the email stating all inquiries would be removed in 30 days on XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX and I communicated via email, she advised all inquires would be removed ( email attached ) below. Since then nothing has been removed off my credit report from Truist. 

On XX/XX/XXXX I received a credit inquiry from XXXX XXXX, this inquiry is reported on my personal credit and should not be reflected on my personal account. There has been no personal credit account associated with this report. 

XXXX XXXX XXXX  XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 


XXXXXXXX XXXX  XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XX/XX/XXXX- this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXXXXXX XXXX  XXXX - XX/XX/XXXX - this is a credit inquiry for an account that is not reflected on my personal credit report. I never applied for credit with this lender. 

XXXX XXXX XXXX XXXX - XX/XX/XXXX - XXXX never applied for this credit account. Received a letter from XXXX XXXX XXXX stating corrective action would be taken to remove this inquiry from my credit report. ( Letter attached )
Product: Mortgage

I applied for a refinancing loan with better.com by beginning of XX/XX/2020. They advertised that they will beat the rate sheet or loan estimate from a competitor by {$1000.00} or pay {$1000.00} if they are not able beat it. I was able to provide some quotes and they refused to accept it saying it was not an estimate. When I finally was able to provide one they just about matched ( in fact it was little bit over ) but did not honor the {$1000.00} price match guarantee. When I questioned they refused to honor it and also changed the offer to {$100.00} on their website. This is false advertisement. It is a bait and switch tactics and scandalous practice. Better.com should either pay me {$1000.00} or beat the estimate by {$1000.00}. Please kindly look into this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a self-lending " loan '' with Moneylion where the loan is funds that I pay to myself in an account. When the loan matures, I cash the loan out with a withdrawal. In the meantime, Moneylion reports to the bureaus that I am making payments. I had the account set up on auto payment, which is a requirement of the company when you set the account up ( it must be linked to an account ) and they didn't take the payments out of the account. There were always funds in this account as this was the account that my direct deposits were going into and I was always employed and I had my withdrawals scheduled for when my direct deposits were put into the account. I followed up with Moneylion but they don't have any customer service agents who speak XXXX as their first language and the language barrier was difficult to break through. I kept trying to process the payments but they kept reporting the payments as past due when I kept explaining that there appeared to be an issue with their auto-payment system because the account had money in it and I had verified the numbers were accurate, even unlinked and re-linked the account. Instead, Moneylion, single-handedly brought my score down more than XXXX points when I had enlisted their services to boost my scores. I was obviously in good standing because they extended an offer for a credit card, which I accepted to try to rebound my score a bit. They continue to report the account as charged off when it is NOT charged off. It is in good standing as the attached screenshots show. In fact, when I finally had enough and closed the accounts, Moneylion paid ME the money they owed me for self-lending. since this was me lending myself money by paying into a savings account for the soul purpose of trying to boost my credit score. I have tried disputing this but Moneylion doesnt ever fix the propblem. Now, I am about to lose {$10000.00} in earnest money and the home I am under contract on and be without a home for my family to live in ( because I already sold my home on XX/XX/XXXX ) due to their derogatory marks. Their derogatory marks need to be removed as this is the only thing preventing me from closing on my home and they are being reported in error as the documentation that I am uploading clearly shows. 

Additionally, when I opted to close the account early, there were fees assessed that weren't itemized. I have NEVER been provided a statement or itemization explaining these fees. When I log in through the app and on the computer, there is ZERO transparency and no access to past statements showing balances, fees, payments, etc. There is no truth in lending or transparency and leaves a lot to the consumer to question and wonder about where their money is going. 

I have a very short period of time for this to be resolved before my XXXX is forfeited to the seller of the home. I ask that this is resolved in a timely manner. Thank you.
Product: Mortgage

My refinance was handled very poorly. It took over 90 days and I did not have any of the potential delays listed on their website ( picture included for review ). On their website, it claims 27 average days to closing ( picture included for review ). The first problem that caused a delay was when they said there was a lien on our house for my husband owing child support. There was no lien on our house and the lien they were referring to was because my husband is the one owed child support from his son 's mother it's not even attached to our house. I have attached the lien for your review. I informed my loan officer XXXX XXXX of this immediately. This alone set us back 30 days as our loan went into a dormant status. I could not seem to get a response as to what was taking so long. At one point an email was sent to the higher-up management from my loan officer and she commented that my loan, " XXXX says 29-day status. '' I was even asked to get several documents I feel the loan processor should have obtained including a payoff on my solar panels. My closing fees went from {$5300.00} to XXXX XXXX hours before closing. I asked XXXX why there was such an increase and her response was, " Refinances are expensive. '' On XX/XX/2021 I informed XXXX that I needed a satisfactory reason why my loan fees increased drastically in the amount of XXXX 24 hours prior to closing. She told me that it was the title company and she would find out the reason for the increase. She never got back to me. Unfortunately, this is not surprising considering the poor service I received from Texas Lending. My loan did not close the day it was supposed to because they did not have all of the documents in order. I was en route to my closing at XXXX XXXX  on XX/XX/2021 when I got the call it would not go through. That is when I got the 2nd closing disclosure with the increased fees. We had to go again the next night. My refinance was handled extremely poorly and I was not given an explanation for the final fee increases even though I specifically asked my loan officer XXXX XXXX who works for Aspire Financial dba Texas Lending.
Product: Prepaid card

I have learned in the last couple days, that the guest account on applications on XXXX phones, you do not need a password for and it links directly to your google account because it is your Google XXXX XXXX Account. My XXXX phone went back to XXXX ( per merchant guest account from prior phone. ) Not one rep through Google has stated the guest account was the play account, nor that the charges that play games billed were actual Google charges. Google cant provide a invoice or did they obtain authorization. These charges were not made by a minor or am I aware of anyone that made charges to my account. Google blamed my friends and family, refunded half towards a judgement for not getting expressed consent as i have been stating and deleted the remaining {$4000.00} and hundreds of transactions they ran through my bank out of their system. Google told me about a week ago to go to authorities because my info was stolen and its on another account. Why has it taken 2.5 years since i found out to have them tell me to go to authorities? Why did Google state in responses to complaints with the Attorney General and the FTC they were aware of the issue and to have me contact them and not state my unemployment card was on someone else 's account? I want the account and googles billing practices investigated. If Google would of investigated, the XXXX breach would of been made public sooner. I came to them and told them that there was a XXXX on my XXXX account that linked to his XXXX able to bill without permission. ( Google wallet separate charges ) I have given not XXXX person authorization to bill, add my payment method and not XXXX person has asked for my permission. I did not create a Google Wallet or Google Payments account. These are fraudulent transactions Google processed with out the expressed consent of the account holder, and are altering and deleting information 3.5 years after the first charge, 3 years since they flagged it 16 times without contacting me. Those flags have now been deleted from the invoice, yet I am told i didnt tell them fast enough what they concealed from me! Who benefited the transactions? Who received the credit from the purchase? How much was taken? These are all questions I have asked repeatedly, to be told i did not tell them fast enough, what it is obvious they have known! 
I would like Google to explain if a guest account for a application on a android device is phone specific and for billing purposes the same guest account is google account specific, what steps were taken to verify if the transactions were legitimate? 
please see complaint numbers below filed with CFPB for back up documentation. 
XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016 XXXX filed XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. I have been a victim of identity theft. I am writing to compel in accordance with the Fair Credit Reporting Act Section 603 and 605A ( b ) that my report be updated as soon as possible. I have not nor have ever received and/ or authorized the release of any goods or materials under these listed accounts. I wish to dispute these fraudulent accounts under the provisions of the law and am requesting a free copy of my report and all information related to this matter. 

The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CREDIT COLLECTION SERVIC, CREDIT COLLECTION SERVIC to include the following hard inquiries : 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed an incorrect balance on my account from XXXX XXXX XXXX XXXX which is a closed and defunct company, with Transunion and XXXX. All of my student loans were transferred to XXXX in XX/XX/XXXX. I have a {$0.00} balance with XXXX as of XX/XX/2023. However, XXXX loan is reporting two accounts in the amount of {$850.00} and another of {$3400.00}. Within 3 days both XXXX and Transunion said they investigated and the account is valid. I called the number on the credit report on Monday, XX/XX/XXXX and again on Friday, XX/XX/XXXX and both times was connected to a company called XXXX XXXX XXXX ( XXXX ). XXXX looked up my social and said this account is closed through FED XXXX and they have no access to it. They said they would investigate and to call back on Friday, which I did. When I called they said they were not sure why it is reporting or why their number is on the credit report and to refile my dispute since the account should not be reporting. They said they can't even write me a letter because the account is closed and there is nothing they can do to help me. I don't know where else to go for help. This account is closed. All of my student loans should be at {$0.00}. Thank you,
Product: Credit card

For the past XXXX weeks, I have been trying to redeem {$96.00} in credit card rewards on my Synovus credit card. The app and the website keep giving me an error that prevents me from seeing my balance and redeeming it. On XX/XX/XXXX I was finally able to submit a request for redemption, however, on XX/XX/XXXX I received an email saying the redemption request had been cancelled. 

I assumed this was an IT issue but having waited XXXX weeks I finally caved in and called Synovus today ( XXXX ). I was told that " the system is down '' and I asked when it would be back up and I was told " I don't know ''. I did share with the customer service rep that I've had this issue for weeks now and she seemed unconcerned by it. 

I can confirm that no notification was sent out alerting me to this disruption in service.
Product: Credit card or prepaid card

On XX/XX/XXXX I called direct express about some unauthorized charges on my account and they said that they were cancelling my card and sending me out a new card so I updated my mailing address with them and they charged me a {$4.00} card replacement fee plus {$13.00} expedited mailing fee. I was supposed to receive the new card on XX/XX/XXXX but when I checked with the office on XX/XX/XXXX I discovered that I never received the card. So I contacted direct express again since I didn't receive the new card. They informed me that they would re-issue me another new card had me verify my mailing address which I did and again charged me a {$4.00} replacement card fee and {$13.00} expedited mailing fee. Unfortunately I never received that card either and spent almost an entire day trying to track down the ups driver who delivered the card which finally he came back to my house and informed me that it was delivered to the wrong space number as that's how it was addressed as well as the previous package by the shipper. So again on XX/XX/XXXX I contacted direct express and was really upset and asked them don't they even check and verify that the address is correct when they ask for it? They said they are supposed to yes. They apologized for the inconvenience and corrected the space number and again re-issued another card which again I was charged a {$4.00} replacement card fee and {$13.00} expedited mailing fee but was guaranteed that all charges would be reversed not to worry. I just contacted direct express to find out the status of the charges being reversed and was told that the requests were denied.
Product: Credit reporting or other personal consumer reports

Hey, XXXX XXXX I performed and sent a receiveable dating XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) which was received XX/XX/XXXX ( Article # XXXX XXXX XXXX XXXX XXXX XXXX ). Which didnt include the assignment form, Opinion of Counsel, and Form of Investment Letter which is attached. Im the beneficiary surety of certificate XXXX XXXXXXXX. Although you might hold title, I have equitable interest which is superior to any claim you may have dating back to XX/XX/XXXX. Its your respective duty to act in the interest of the bondholder according to the Act of 1939. Im politely asking you to carry out your fiduciary duties under the indenture on file in good faith. 

According to Registration pursuant to section 424 ( b ) ( 5 ) of the Act of 1933 I understand that Im an investor. XXXX XXXX XXXX XXXX XXXX have agreements with its subsidiaries XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX explains how a pool of motor vehicle retail installment sale contracts are obligations of the Trust only. The sources of funds of the Trust are collections during the Collection Period and charge offs. 

Charge-offs are a source of funding to XXXX, XXXX XXXX and its subsidiaries, but have been a burden to me the Grantor. I provide a certificate, receivable, note, or contract which you deposited and received no valuable consideration.

This is an event of default. This is the beginning of opportunities to be made whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital Accounts , LLC has reported to identical amounts owed to XXXX XXXX ( duplicate entries ) of about {$1700.00} each. I was never billed by the dentist, never received a statement, even though I paid thousands of dollars to the dentist and when I asked for a validation letter from Capital Accounts , LLC months ago, I never received anything. I advised Capital Accounts, that I dispute the amounts and the duplicate entries and that if they did not correct both the debt reporting and elimination of the duplicate entries that I would file this complaint. No response.
Product: Debt collection

I Trade in car with clear title that was send to me from that company.I told them i know longer have the car and for them to get in touch with the company I sign the title over to. for them to collect the balance they say i owe. They won '' t stop calling my cell phone and leaving messages. I no longer have that car it been gone since XXXX of last year.