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

I'M IN DISAGREEMENT WITH THE ACCOUNT LISTED BELOW WHICH STILL APPEARS ON MY CREDIT REPORT, EVEN AFTER YOUR INVESTIGATION. I WOULD LIKE THIS ITEM IMMEDIATELY RE-INVESTIGATED. THE INACCURACIES ARE HIGHLY INJURIOUS TO MY CREDIT SCORE XXXX XXXX XXXXXXXX. Account number : XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, PUBLIC LAW 91-506, TITLE VI, SECTION 611, PLEASE PROVIDE THE NAMES AND BUSINESS ADDRESSES OF EACH INDIVIDUAL WITH WHOM YOU VERIFIED THE ACCOUNT, SO THAT I MAY FOLLOW UP. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT AFTER YOUR REINVESTIGATION.
Product: Checking or savings account

Upgrade Bank advertises direct deposit capability on their XXXX XXXX account with a 3.5 % apy. Unable to set up direct deposit for over a month and a half and having repeatedly been lied to that since this is a new product, they are trying to iron out a glitch, Im finally being told today that direct deposit is not a feature available with this particular savings account and that I can only deposit funds via bank transfer. This is despite the fact that on the companys own website, there is an FAQ page explaining how to set up direct deposit on this type of account. When confronted with this discrepancy the phone representative mentioned that she would check with upper management. This is beyond deceptive and needs to be addressed to people dont open accounts and get misled by greedy banks.
Product: Debt collection

XXXX XXXX XXXX responded to a complaint filed by me on XX/XX/XXXX, due to never receiving any type of prior correspondence and my ability to dispute debt ; which is my right under the FDCPA. Instead of sending correspondence addressed to me at my Pennsylvania location, ( WHICH THEY DID NOT SEND ME ANY LETTERS ) a sheriff was used by XXXXXXXX XXXX XXXXXXXX to intimidate me. They used a sheriff to deliver a lawsuit at my house. I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. I am a XXXX veteran and do not work. I get the mail every day and HAVE NEVER received any correspondence from XXXX XXXX XXXX. Also, I HAVE NEVER received any phone calls with any messages left by XXXX XXXX XXXX, as allegedly stated in their response. Also, I absolutely DID NOT receive any correspondence on XX/XX/XXXX, as stated in their response to my complaint filed on XX/XX/XXXX. If I had received the correspondence the XX/XX/XXXX correspondence, I would have disputed the debt, which I still dispute the debt to this day. Please provide proof with a copy of the certified letter with my signature on it, showing that I received the correspondence allegedly sent on XX/XX/XXXX. Again, I am a XXXX veteran and do not work, and if I had received any type of correspondence from XXXX XXXX XXXX, I would have immediately disputed the debt, under my FDCPA rights.
Product: Credit reporting or other personal consumer reports

I recently was looking at my credit report and noticed an inquiry being reported from Equifax. I have no knowledge of this inquiry and ask that there be fully investigation on this reporting. I ask that any documents be provided and a written authorization to be verified. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I spoke with XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX in reference to a collection account that appeared on my credit reports. In exchange for paying the account in full ( {$200.00} XXXX, she agreed to provide in writing, confirmation of payment and deletion from all credit reporting agencies. On XX/XX/2020, an update was applied to the account but did not reflect the written agreement of deletion. After allowing for the 45 day waiting period for it to be removed, I called again on XX/XX/2020 & spoke to XXXX XXXX. He restated the 45 day deletion period & I informed him that time had elapsed & it had actually been 70 days since payment was made. There was no other explanation & as of XX/XX/2020, the account is still reporting. 

Disclaimer : The name on the account reflects previous name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report made by XXXX Bank on XXXX/XXXX/XXXX that does not belong to me. I have spoken with the creditor who claims I must contact the credit bureau. When I speak with the credit bureau, I am told to speak with the creditor. This inquiry does NOT belong to me and is adversely affecting me.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I placed XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX, and attempted to order 1 black /gray and 2 white t-shirt packs which qualified for free shipping {$9.00}. However, when I received the confirmation email, it only showed 1 pack of each and did not update to the 2 packs of white. So, I was charged the {$9.00} shipping.So, I immediately replied to the confirmation email to cancel the order, as I was going to re-order so the order qualified for free shipping. Then I received an email advising that my reply went to an unmonitored inbox and to use the form. So, I did, with in less then 1 hour of ordering and immediately after being advised of the unmonitored inbox. And again, advised to cancel this order. 

On XX/XX/XXXX I received a reply that its too late to cancel the order. So, I again reply to the form and requested a refund of the shipping {$9.00}. To date I have received no reply. 
On XX/XX/XXXX I submitted a XXXX XXXX XXXX XXXX XXXX XXXX complaint # XXXX, requesting the {$9.00} refund. 

On XX/XX/XXXX, after no reply from XXXX XXXX XXXX XXXX XXXX I disputed the {$9.00} with my XXXX XXXX  credit card ( XXXX ). 

On XX/XX/XXXX I received an email from XXXX XXXX XXXX XXXX ), XXXX  XXXX XXXX XXXX XXXX  account receivables department, advising that she had received notice from PayPal that I submitted for a chargeback. 

On XX/XX/XXXX, I called XXXX and advised her of XXXX  complaint # XXXX and my request for a {$9.00} refund. XXXX was not aware of my XXXX  complaint # XXXX and was not notified by her customer service department but agreed to refund the shipping {$9.00}. On XX/XX/XXXX I followed up our conversation with an email to XXXX re-capping our discussion and that the {$9.00} would be refunded. 

On XX/XX/XXXX I called XXXX XXXX  and advised that my {$9.00} disputed ( XXXX ) was resolved. 

On XXXX XXXX emailed me advising that she has been unable to refund the {$9.00} because the dispute was still pending with PayPal and that PayPal charged them a {$15.00} bank fee. 

On XXXX I called XXXX XXXX  and was advised that the dispute ( XXXX ) was closed on XX/XX/XXXX the date I initially called XXXX XXXX. XXXX XXXX  also advised they did not charge any fees and the {$15.00} was not from them. 
On XXXX I tried to close my PayPal account online but was advised I can not because a dispute case was pending. I called PayPal and spoke to a rep via the telephone and was again told I can not close my account because a dispute case was pending. 

On XXXX I called XXXX XXXX  back and was again advised that the dispute ( XXXX ) was closed on XX/XX/XXXX and that PayPal was notified that my dispute ( XXXX ) was closed on XX/XX/XXXX. 

On XXXX I tried again to close my PayPal account online but was advised I can not because a dispute case was still pending. I want my PayPal account closed.
Product: Debt collection

My account was sent to collections because the final bill was mailed to me post-my move out date, hence I never received it. 

I reached out to XXXX XXXX in XX/XX/year> to confirm that if I paid them ( the collector ) directly, they would recall the debt from collections. I paid XXXX XXXX directly, and they confirmed via written email that they recalled my debt from collections. 

I filed a dispute with all three credit agencies with the written confirmation that XXXX XXXX removed my debt from collections : XXXX ) XXXX in XX/XX/year> agreed to remove the collections from my credit report. XXXX ) XXXX in XX/XX/year> agreed to remove the collections from my credit report. XXXX ) Equifax refuses to remove the collections from my credit report. I have submitted the request 3 times ( last one as of XX/XX/year> ) and have shown proof of collector recalling the debt + two other agencies removing it from my credit report.
Product: Consumer Loan

I have a care loan through Santander from 2013. I applied and was granted XXXX extensions on the account. However, they did not honor the extensions and reported that I was late. Since, I have appeared to be at least 60 days late! I have done a dispute via credit bureaus. I sent in the copies of the extensions and Santander " fixed '' a couple of months. Only to report badly and inaccurately again. After speaking to someone, countless times, I finally got a representative who told me that they only offer a certain amount of extensions. I informed this person that I DID NOT have that many extensions and her response was, " well, we count two at a time. '' I have tried to trade in the care hoping that leaving the company would help but since they are reporting that I am late, NO company will finance me. The end result of this was some concierge service selling my information to people and they kept doing hard inquiries for the care which damaged my credit score as well. I am financially responsible, as my credit cards and personal loans show my payment history is current. I need help and I have no idea what else to do. I have hired a law firm to help with this manner and they helped during the " dispute '' process that I mentioned earlier but the ill reporting started again. I am afraid to even make a payments as she told me once I make a payment, it will still show that I owe 2 months. The reps ' idea to remedying the problem was to make 1.5 payments each time. This ca n't be accurate. Each rep tells me something different. My car has been " assigned '' to repossession several times. These " people '' lurk and knock on my door threating to take my car at all times of the night. My car was even taken from a parking lot when the car was up to date. I hate to pat $ 100+ to get my car from an AUCTION. The second problem is that the amount on the car has not changed/does not indicate payments since I purchased the care 3 years ago!! It still shows {$13000.00} since day 1 of the loan. Please help me! I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several items on my credit report as inaccurate and requested verifiable proof via mail and online with Experian. The results have always come back " verified as accurate '' and/or " updated '' with no proof or an original signed contract with my signature. I have also requested their method of verification and received no response. In reviewing my credit report I also noticed that the " date of status '' had not been updated as the items were " verified '' which leads me to believe that a proper and reasonable investigation never took place. My dispute dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested deletion of the following accounts, however, the items still remain : XXXX XXXX/XXXX  - status updated last on XX/XX/XXXX XXXX XXXX - status updated last on XX/XX/XXXX XXXX  XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 accounts ) - status last updated on XX/XX/XXXX XXXX XXXX XXXX XXXX  - status last update on XX/XX/XXXX XXXX  XXXX - status last updated on XX/XX/XXXX XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  XXXX XXXX - status last update on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX  - status updated last on XX/XX/XXXX XXXX XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX and doesn't show that account was disputed XXXX  - status last updated on XX/XX/XXXX XXXX XXXX - status last updated on XX/XX/XXXX XXXX - status last updated on XX/XX/XXXX XXXX ( 2 ) - status last updated on XX/XX/XXXX
Product: Debt collection

I had asked Midland Credit Management to stop contacting via a phone call, but they continued to contact my spouse useing very agreesive tones and I called them back and told them to not contact anyone in my family, but it still continued.I can get the dates on all the repeted calls but will need to pull cell phone recorfds to do so. At this point I am neither confirming or denying the debt is mine.
Product: Money transfer, virtual currency, or money service

Coinlist has stored my Filecoin cryptocurrency and at my request sold some. I have requested remittance of part of the proceeds of sale to my XXXX account, the details of which were provided and have made many complaints about non receipt of any money, The first remittance request was made on mid XXXX and funds were allegedly wired a few days later but no funds have to date arrived. Email reminders since have largely been ignored. I am still waiting on the receipt of some $ USXXXX from my Coinlist wallet confirmed to have been requested on XXXX XXXX. 
There are apparently many other people with similar experiences and I am wary of asking for any more transfers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following incorrect names, addresses, accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have been a Chase Client for over a decade. The reason why I am reaching out today is because of the situation In regards to two of my current Credit accounts i have. 

First is my Chase Freedom account and my XXXX XXXX account. 

Backtracking to XX/XX/2020 both my accounts were closed. I hadn't noticed this fact until around XXXX when I went to go use one of said cards. I had set up Automatic Payments this way so I wouldn't miss a payment. For some strange reason, on my XXXX Account instead of the minimum payment being automatically paid, the full amount of the card was being paid and returned. Meanwhile on my XXXX card the minimum had been paid. 

Once I figured this out I went to the XXXX in XXXX and spoke with XXXX XXXX who had put in a complaint for me. a gentleman reached out to me and understood the situation and this conversation concluded with this case being classified as a technical error. During the conversation the gentleman and I made an arrangement that because of what happened I could not fulfill the {$900.00} or so minimum payment that I had been asked to pay. He then said he would put a note in the system for me about it. He told me because of Covid there was some sort of deferral program that would allow me to hold off making payments. During this time I still had made minimum balance payments on my XXXX XXXX which also closed because of what happened to my XXXX XXXX. 

Fast forwarding to now, Long story short, someone committed fraud with my social security number and when I went to apply for Unemployment it restricted me from doing so. I went and sat with XXXX again and I explained the situation to her again. She put in another complaint for me. Someone from Credit services reached out to me, I told 3 different reps this same story. They wouldn't allow my accounts to be reopened, when i told them about the note that gentleman had left regarding the situation, I was told that there was no note. I then asked to play back the recording of the phone call and I was told that there was no call and that the person who was assisting me didn't have access to this, after i got transfered i explained the situation again and was told that the gentleman may have given me false information. The rep then agreed that it could have been a technical error and false information given to me. This is when I was transferred to XXXX and she gave me an executive email to contact. 




Thanks again for your time.
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. 

Account Name : XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 a account without my written instructions 15 U.S.C 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 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

The INQUIRIES listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Mortgage

Received Notice of Servicing Transfer from XXXX ( by Dovenmuehle Mortgage IncXXXX " DMI '' ) for my home loan. That is their right. However, if my understanding is correct, according to 12 CFR Part 1024.33 ( b ) ( 3 ) ( i ) General, the transferor ( XXXX [ DMI ] in this case ) is required to provide notice to the borrower not less than 15 days prior to the effective date of the transfer. 
We received the notice on XX/XX/2022 ; the effective date of the transfer is XX/XX/2022. That is only FIVE DAYS. We should have received the notice no later than XX/XX/2022. No excuses of the mail running late is acceptable on their end. None of my other mail has been delayed ( including from the XXXX XXXX ) even factoring a 5-7 days turnaround time the USPS has stated. If I was late on my mortgage payment, XXXX would expect me to pay a late fee right? It is XXXX 's responsibility to ensure the notice gets to the borrower ON TIME. 
XXXX is in violation of 12 CFR Part 1024 as stated above and should be fined.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadwquate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 Electtronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Hello On XX/XX/XXXX, XXXX XXXX  I transferred XXXX $ from my BofA checking acct to my XXXX XXXX acct via ETF - funds transferred in that manner from BofA to XXXX, both institutions on the same online platform, are credited/debited immediately On XX/XX/XXXX, XXXX XXXX  I purchased XXXX $ of XXXX Preferred acct shares. The acct being a mutual fund acct, the transaction would be performed at closure of the market that very day. 

Instead, notwithstanding the immediate availability on the sweep acct of the ETF from BofA, the purchase transaction was performed XX/XX/XXXX, and the XXXX $ were debited to my XXXX XXXX acct on XXXX XXXX XXXX should not be allowed to proceed in this manner, transfer and transactions should be performed in a timely fashion and not following XXXX 's XXXX
Product: Student loan

Addendum to complaint XXXX On Monday XX/XX/19, after speaking to a financial advisor who told me I should try to get REPAYE bc remaining interest above 10 % would be forgiven. I said Nelnet told me I was disqualified bc I had XXXX loans. He advised me to ask if my consolidating those, I could get the grad loans on REPAYE. I called Nelnet, and was told I COULD qualify for REPAYE, but would be charged XXXX to " make a change. '' I asked to speak to management because 1. I had been told prior I did not qualify for REPAYE, but was not given any solution ( the solution would have been to switch my XXXX loans from IBR to REPAYE early in the process and avoid " making a change '' penalties '' ) Additionally, I was told I still needed to send in a self certified letter to qualify for IBR, which I had been stalling on so I could gather all this information and do my own research before finalizing it, after becoming aware of all the " change '' penalties, and having made the unfortunate discovery that Nelnet servicers would tell me something different every time. So come yesterday, somehow I am fully locked into IBR and will need to pay penalties to switch to REPAYE. If I had been given the correct guidance from the very start there would be no 22k penalty, however 3 different loan servicers lead me to believe that IBR was the only way and i was stuck paying a third the balance on IBR with a wildly snowballing principal. I confirmed this fact w the penultimate phone call and NO ONE EVER SAID, hey wait you will avoid having a huge balance in 25 years if you do REPAYE instead. These people apparently think we are dealign with XXXX money and that it's ok to have people that don't understand finance from a long term standpoint dishing out instructions and advice that have horrible long term consequences. The manager agreed with me that I was not given complete information, but said he could not  reverse the XXXX penalty.
Product: Checking or savings account

I been banking with td bank in XXXX nj for about 6 years and sadly there was a fraud situation with my account. I went to the td branch to figure out what was going on. They called the fraud department, i was on hold for half and hour and when we finally got a hold of them they said there was nothing they can do and gave me a third party number called td demarketing number i called XXXX times no answer and no call back. Im fine with the account being close, i just want the funds i have in the checkings to be returned to me.