23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

My husband and I placed an order from a website advertised as XXXX XXXX for {$39.00} on XX/XX/XXXX. It was set to be delivered by XX/XX/XXXXXXXX  and advertised product shipping from California. I get a tracking link and it says its being shipped from an international airport in XXXX, It did not arrive. I contacted the merchant they cited delays and ignored my inquiry about where the products shipped from. I waited and still no product on XX/XX/XXXX and disputed on cash app and selected the option for order never received as the reason for dispute. They denied. This morning I get a tracking alert that the package was delivered via an unknown courier on XX/XX/XXXX at XXXX. The tracking actually stated delivered in the future!! I contacted cash app again and redisputed. I also followed their process for retrieving evidence they used to deny the original dispute. They sent a copy of the transaction and nothing more. They said they will not be looking into it further. I filed a complaint with the AG as well for the company fraud impersonation of XXXX  and cash app for enabling the fraud. This is the second time in a week cash app has no regard for fraud used via their platform.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX the XXXX XXXX I learned through my XXXX credit card account monitoring that there was a hard inquiry done on or around XX/XX/ by Bank of America. I called Bank of America on XXXX the XXXX and learned that a fraud was perpetrated on me and someone applied and was approved for an XXXXXXXX XXXX XXXXXXXX. I deny applying for this account and I deny authorizing anyone applying for this account. While Bank of America claims to have blocked the account they have not closed the account as of today. I have talked to multiple fraud representatives at their company. The only information they gave me was that it was an XXXX XXXX. I am requesting Bank of America to remove the hard inquiry and remove any record of this account off of my 3 major credit reports. I also want in writing to myself that the credit inquiry and the account have been removed off of my credit report. I have placed credit freezes at all 3 major credit reporting agencies.
Product: Debt collection

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just  remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts
Product: Credit card

I can not get online or get anyone on the phone to make payments to Concord Credit/XXXX XXXX XXXX for over 2 weeks. 
The online website XXXX says it's down and to contact my account administrator, with no further details. ( This has been down for months ). I call the number XXXX found on the " late notice '' letter from them during daytime hours and a messages says they are closed and to leave a message then the call disconnects. Another phone number I have for them on a general statement from them XXXX transfers me to a representative only to get a busy signal. I do not even have this account open any longer I just want to pay it off. This has been going on for months now. There's no consistency to pay them and I believe they are dinging my credit. I've lucked out by getting someone on the line 2 times in the past 4 months. Prior to these instances, I've NEVER made a late payment with them.I do have an address but I'm leary about mailing a payment to them through the mail. Concord Credit XXXX XXXX XXXX XXXX XXXX IL XXXX. 
Please help
Product: Credit card or prepaid card

I been going back in forth with Bank of America to get my money back from a claim I filed with them they have been giving me the run around saying that my claim was approved then when I called them they are telling me something different. I been dealing with this situation since XXXX I was ask to give all required documents such I.D, police report and proving documents to get my money back I do that then I be told it is denied. I also have been told they have video footage of someone walking up to the ATM to take money off my card that is not me. I just want what I put in a claim for so I can pay my bills. So in XXXX I filed a police report stating that I was a victim of identity theft and my XXXX card was sent to different addresses as well as I didnt receive my stimulus checks. I talk to XXXX didnt know I was approved for XXXX because different representative would tell me I was denied getting unemployment until I sat on the phone for two hours in them telling me I was approved in that my card was sent to a different address. So I wasnt able to file a claim until XXXX of this year is because thats when I fought out. So I told Bank of America what happen in they tell me I was denied the claim because I waited to long to dispute the charges made on the account. Which is false I didnt know I was approved for XXXX because I was being told I was denied for it by different representatives. I feel the people that work for Bank of America are new workers because everyday that I called I get told different things regarding my claim which is not right and people are not really doing their job. Im in the process of being evicted out of my house because of Bank of America not giving me back the money that I put in a dispute for. I just want my money so I can pay my bills and rent in get out of debit. Bank of America has been denying my claim of XXXX I requested for supporting documents to be sent to me which was sent to me I received the documents in it was pictures of two people that was not me so basically they have been denying my claim based of the pictures that they pull up at a atm machine. I resend a picture of my I.d in color to show it wasnt me on the photos in they denied my claim again. I just want the money that is owed to me because Im facing a hardship right now. I can provide the pictures in my I.d as well to support my claim with your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My Name is XXXX XXXX. I have a Bankruptcy that is reporting on my credit report in error. Both XXXX, Transunion, and XXXX I have made serval attempts over the past 12 months trying to resolve this issue with XXXX, Transunion, and XXXX. I sent in my dispute in XX/XX/XXXX and received 2 response on XX/XX/XXXX on report # XXXX. On the first letter said the bankruptcy was deleted. I thought this has finally got corrected. Then 2 days later I received another letter from XXXX  saying it was verified as accurate. The Report date was XX/XX/XXXX and report # XXXX. I have attached these 2 documents. Transunion sent back a letter saying Verified as accurate and XXXX. The other issue is when they sent the second letter saying verified as accurate they indicated is was verified by XXXX a Third Party Vendor. Transunion Stated the Bankruptcy was verified by the Bankruptcy Court in XXXX, TX. FCRA states you must verify with the original furnisher to get accurate information. This would be the Bankruptcy court in XXXX, TX where my credit report stated it was filed. This Bankruptcy was placed on my credit report in error. I sent a letter to the Bankruptcy Court and I do have that letter that will be attached also. The Bankruptcy Court sent me a letter saying they do not report information to or remove information from the credit Bureaus. 

The Bankruptcy is the original furnisher. XX/XX/XXXX I send another letter asking for a Method of Verification that is my right to know how XXXX verified the information they claim is accurate. This is stated in FCRA. On XX/XX/XXXX I received another letter stating verified as accurate. I sent out another letter in XX/XX/XXXX asking again the method of verification and on XX/XX/XXXX again they say verified as accurate. Nothing saying how they verified this bankruptcy. Just violation after violation. This bankruptcy has an address that is not mine and not on my credit report. This has been frustrating you read the FCRA follow the steps but the Credit just ignores the policy. 

I have attached all letters from XXXX, the letter from the court, and the letter i sent to XXXX. Please, can you help me reach someone that will resolve this issue? All 3 of these credit bureaus have been violating my rights to a fair and accurate investigation.
Product: Credit reporting or other personal consumer reports

I was looking to my credit reports and find out there are XXXX accounts that has nothing with me, i have never aplied for that loan and credit card. 
XXXX. XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX  ( Opened XXXX XXXX, XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX ( Opened XXXX XXXX, XXXX )
Product: Credit card or prepaid card

They XXXX 's said they closed my card out now saying no but basically holding me to things I never ordered received n refusing to close the account I 'm now getting threatening letters to take action vs a  identity theft victim XXXX which is wrong.i do n't owe XXXX 's n they sent me letters stating so I do n't know what their new position is but it 's not gon na fly vs me
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was reporting inaccurately. I have 1, 30 day late payment on my account XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/2021 that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I am now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Checking or savings account

I have explained XXXX XXXX in 2 different complaints that I discovered a payable upon death CD with me listed as the sole beneficiary that remains unclaimed by me. Both times you have referred me to Wells Fargo, who were completely inept, and closed my case. I dont understand how you purport to protect consumers and just wash your hands and pass it on. I have contacted every institution imaginable and am currently filing a XXXX complaint. Do people need a court order to comply? Are you all just one corrupt entity? I am just going to continue to pursue, report, claim, and bang pots and pans until accountability and resolution is attained. 
XXXX
Product: Vehicle loan or lease

I make my monthly car payments to Santander Consumer USA weeks early. I get my Social Security Benefit deposit every third Wednesday. On that day, I get a XXXX Postal Money Order for {$220.00} and mail my next month 's car payment due on the XXXX of the following month and send it Certified Mail with return receipt and signature required. 

I got an alert on my XXXX XXXX that my auto loan balance had INCREASED and was PAST DUE after I had already made my XX/XX/XXXX monthly payment of {$220.00} far in advance. Santander Consumer USA received by payment in Certified Mail with a return signature on XX/XX/XXXX. They LOST this payment. 

They then applied someone else 's payment of {$410.00} to my account, then removed the error. I was confused about the {$410.00} figure but believed Santander was playing around with the interest and principal somehow, and as my account showed current, was not too alarmed. 

They then received my XX/XX/XXXX payment, a US Postal money order, on XX/XX/XXXX, Certified mail with return signature. BUT they credited the XX/XX/XXXX payment as my XX/XX/XXXX payment, leaving my account PAST DUE for the XXXX payment, as it was now XX/XX/XXXX. 

They had no record of the XX/XX/XXXX. payment 's receipt on XX/XX/XXXX when I called them. They said I had to " escalate '' the issue to " Account Services, '' faxing them all the copies of receipts I have for the mail sent and signed for, which I did to the cost of {$20.00} at XXXX XXXX ( 12-page fax ) and then mailed them a hard copy to their XXXX PO Box ( {$7.00} ) and also paid for a US Postal Money Order inquiry at the Post Office ( {$5.00}. ) I also had to pay an extra {$220.00} to bring my auto loan account current with Santander Consumer USA by using their online XXXX XXXX fast pay arrangement. 

They could not give me a name in Account Services to talk to, or a phone number to call them directly. They have the money order serial numbers for XX/XX/XXXX ( received there XX/XX/XXXX ) and XX/XX/XXXX ( received there XX/XX/XXXX ), the return signature cards sent back to me with their employee signatures and dates received at their XXXX PO Box , and other necessary copies related to this error. 

They tell me it will be 3-5 business days before any action will be taken, and yet I am out an extra {$220.00} for a payment I had already made, with no explanation of where that US Postal Money order serial numbered payment is or to which account it was applied to.

I have made every payment to Santander Consumer USA ahead of time by usually a week or two weeks, and yet they still found a way to leave my account in a Past Due state and would do nothing to repair that status without me making an extra payment.

I've bought cars my entire life, and have not ever once had this happen,
Product: Vehicle loan or lease

On Tuesday, XX/XX/XXXX during my routine car maintenance at the XXXX XXXX of XXXX, I had my car appraised for possible trade in by XXXX XXXX. The service tech that completed the appraisal alerted me that he had to reduce the amount of appraised value due to the XXXX XXXX indicating that the vehicle was involved in an accident in XXXX. I was never given the XXXX upon purchasing the Vehicle nor alerted that the car was in an accident. I had been into the dealer previously on XX/XX/XXXX for maintenance and appraisal through my sales rep XXXX and he did not bring this up at that time either. This was the first time that I was hearing of this, and it is very disturbing and appalling that the dealership and salesperson, XXXX XXXX, withheld this important information from me. This would have affected my purchasing decision when I got the car on XX/XX/XXXX. On XX/XX/XXXX I left a voicemail for XXXX regarding this matter, and I have yet to hear back from him, therefore I reached out to XXXX, the general manager to resolve this matter. 

On XX/XX/XXXX XXXX reached out at XXXX XXXX. and at first offered to buy the car back for XXXX when I still owe XXXX. That would leave me with XXXX in equity out the door. I informed him that this would not be acceptable and restated what I asked for in my initial email to the dealership. My resolution would be my downpayment of XXXX dollars back as well as the XXXX worth of payments I made since acquiring the vehicle in XXXX. He stated that was not possible along with stating that he was unsure why the appraiser had put emphasis on the XXXX XXXX  as well as the fact that my trade in was lower because of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report earlier this year and noticed there were several errors on my report. The first account listed was a car note reporting multiple late payments. Initially I sent a verification letter to all 3 bureaus on XXXX XXXX. XXXX responded with a frivolous letter stating I needed to prove the validation letters were sent by me. When I sent my validation letters, I attached my Drivers license as a form of identification, however because the responses stated I needed to provide addition proof, I sent a follow up letter confirming I was requesting validation on XXXX XXXX with my Drivers license again. In addition, I never received a response from Experian or XXXX regarding my verification letter, in turn I sent a follow up letter on XXXX XXXX as well to Experian and Experian requesting a this account be deleted since not validation had been completed. My third letter I sent was dated XXXX XXXX, stating how I never received any responses and requesting a deletion of this account if it could not be validated. To date i still have not received any responses regarding the late payments being reporting or an update. In addition, there are several collections account listed on my report as well. I have requested validation of these account on, and still have not received a response. i sent two letters to both XXXX and experian. I have attached all of my documents.
Product: Mortgage

I've never been told clear make or not make a payment coming off covid19 assistance. I was told I'd have to submit for loan modification for my XXXX loan. I have dates who I spoke with. Not once have I been told what I need to do. Now I'm being told to go past due just to get a loan modification which takes 30 days to review causing further passed due account and late charges and credit hits. If I shouldn't have made a payment after being one month behind then someone should've clarified that with me instead they said I needed to. Now I'm a month behind unable to catch up and it's been two months with no correct answer. I can make regular payments but can not make up the month I'm behind example I owe XXXX still but can't make until XX/XX/XXXX keeping me behind.
Product: Debt collection

Credit card was used fraudulently and left me to pay the balance I did not make these purchases on the Apple credit card some fraudulently used my card which resulted in closing my account I want my account back with a restored balance or the debt gone it messed with my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has allowed XXXX XXXX XXXX to deceitfully report this entry on my credit reports each month as if they have just begun reporting ( see attached credit reports ). Each month the previous month 's history is not reflecting ; hence, giving the perception that the account entry was just recently added. THIS IS DECEIT AT ITS FINEST. This account is erroneous in nature as I never signed a contract with this company, yet they say I had terms of 1 month with them. Additionally, I was never informed nor received any communication from this company prior to them inserting it on my credit reports. XXXX does not report any payment history on XXXX and XXXX as well as cite a totally different open date among the 3 bureaus. Lastly, if this company can falsely report the entry each month on Experian as if it was just reported and blatantly omit the other previous history since they are claiming/alleging a debt was owed since XX/XX/2016, as well as the mere fact that their claim lacks veracity. What documents provide my original signature and reflect where I agreed to pay the alleged debt to them? Where is a copy of the financial responsibility page if this is truly my medical debt as reflected on my credit report? 

This entry should be deleted immediately as Experian and XXXX as well as XXXX and XXXX are violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

For the entire pandemic since federal student loans have had zero interest, I have been using Navient 's auto-allocate feature and selected to target loans with the highest interest rate. I discovered today that this function was programmed incorrectly and instead of allocating my payments to the loans with the highest interest rate, it automatically selects the unsubsidized loans, regardless of interest rate. For this reason, in the remaining lifetime of my loans, I would end up paying significantly more money. I brought this issue to the attention of Navient and they are in the process of re-allocating my previous payments. However, fixing my issue will not resolve the same issue for the ( I estimate ) thousands of other loan borrowers that have used this payment allocation function throughout the pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

The PNC mortgage debt on my consumer report is not my responsibility per my divorce decree SIGNED BY A JUDGE IN A COURT OF LAW. XXXX XXXX is financially responsible for any debt incurred including all debts related to PNC Mortgage and medical and XXXX
Product: Credit reporting or other personal consumer reports

I have recently discovered that incorrect information remains on my credit report, despite prior disputes. The information in question has been verified as accurate by XXXX, XXXX, and Equifax, but I have attached evidence that clearly proves it is not. This continued reporting of false information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 609, which ensures the right to correct inaccurate information. 

The attached documentation demonstrates that the information reported is invalid and does not reflect my true credit history. I am formally requesting that this incorrect information be removed from my credit report immediately. Failure to correct these errors is negatively impacting my financial standing and violates federal law.