23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

After submitting my last complaint to the CFPB I have received correspondence from Axos Bank and a dispute affidavit form to submit & complete the chargeback against XXXX for merchandise not received and again Axos Bank has responded with the dispute being denied and no error has occurred and the transaction was authorized. This is not the reasoning for dispute. ( see documentation ) this is the second time Axos Bank Has denied the dispute for the incorrect reason.
Product: Credit reporting or other personal consumer reports

XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. I have no knowledge of this account
Product: Credit reporting or other personal consumer reports

This is with Experian again. I submitted a complaint once with you all already & Experian sent an email saying problem was resolved, but wanted me to pay a monthly charge to see how it was resolved. But was just sent an email from them about my new XXXX  XXXX account & still i do not have a credit score with them. I do have a credit score from XXXX XXXX XXXX XXXX is XXXX & the other is XXXX, not counting yet the XXXX accounts I just paid off. I don't know what's going on them experian, but it is causing me some issues actually, trying to get approved to keep building my credit. Please could this issue be solved. It's been going on for about 3 months now. Last time I sent an image of my XXXX XXXX account.
Product: Debt collection

I have tried numerous times to tell all reporting agencies that the debt with XXXX was not mine and that I never even lived at the address listed. I was also part of the Equifax breach. The name listed on the account is not my name, so now I have a copy of my lease!!!
Product: Credit card

I made a payment XX/XX/XXXX for my XXXX payment and capital one walmart credit card said they can't change the date and wanted the minimum payment of {$28.00} for XXXX payment. They received XXXX XX/XX/XXXX for the XXXX payment. I want my payment applied correctly I should not be penalized for paying early.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three bureau XXXX XXXX, Equifax, and XXXX asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!
Product: Checking or savings account

XXXX XXXX I began the process of trying to remove myself from a joint savings and checking account with my XXXX whom I have a XXXX XXXX against I was removed from the savings account, but the checking account took 3 months for them to finally close the account after the account kept dipping into the negative balance due various circumstances. ect.

I brought the account to a positive standing out of my own pocket and was promised by one of the representatives that this would remove me from the account in 7-10 business days. I asked are you certain that this will remove me? What if the account holder makes a payment before the 10 day mark and puts the account into a negative balance again he reassured me that it would remove me after I had completed the voluntarily removal form online. Which I did. 

The following day the account dropped into the negatives which was my exact concern. I called back and asked if I was still being removed from the account and they said I was. 

After 10 days I was still not removed so I called back and was told that the request to be removed could not be processed due to the account going into the negatives. Even though I had been told that this would not be an issue. 
I explained the information I had been provided previously, and then was told well you were given misinformation More Misinformation was given to me through the course of 3 months of phone calls. 

I spent several hours on each phone call and was given a very obnoxious run around by very Ill-trained employees and even by supervisors who seemed to all say different things and act completely confused by their own policies. 

I also asked that I be provided with all of the recorded phone calls and notes that were taken throughout the time I spent speaking with people and no records were provided to me.

I filed a complaint with CFPB and shortly afterwards, the joint account with the account holder was magically closed. I was confused by this because I was told that I would need to be the one to call back to finally close the account once the account had been in a positive standing for 24hours. The account finally had been in a pod Ive standing for 24 hours, so I planned to call USAA to initiate the process to close the account, however the account was somehow already closed without my authorization. 
Although this was something I wanted done, This was still extremely confusing to me. 

Someone from usaa tried to call me after I filed my last complaint, however I was wondering at that point. I tried to call back at the number and extension that was provided, but no one responded. 

I requested to be compensated for the full amount of funds that I paid out of my own pocket to bring the account to a positive standing. And compensation for the multiple hours that I spent on hold or on the phone with representatives that were oblivious to knowing how to do their jobs. 
I was told this was not something that could be done.
Product: Mortgage

Loan from XXXX XXXX sold to Mr. Cooper ( nationstar mortgage ). Payment due tomorrow, still have not received any information about payment. Paid the monthly payment to XXXX XXXX to play it safe. It's an astounding degree of incompetence ; and you let this company assume mortgages?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently reviewed my credit report and I found a charge off account reported by XXXX XXXX  from XX/XX/2014. That Charge Off account is already paid. 
The NY FCRA states in 380-J Prohibited Information ( iv ) That Credit  bureaus are prohibited from reporting accounts placed for collection or charged to profit and loss which antedate the report by more than seven years ; or accounts placed for collection or charged to profit and loss, which have been paid and which antedate the report by more than five years. 
Since the Charge off happened in XX/XX/2014 its already passed the 5 year mark and all late payments must be deleted as per NY FCRA laws referenced above. 
I disputed the mark with XXXX, Equifax and XXXX but they did not remove it. ( i believe Equifax first removed it but then it reappeared on my credit report. )
Product: Student loan

Myself and my husband have been trying to consolidate and refinance the student loans my daughter has with Discover ( I am the co-borrower ). The goal is to lower the interest rate and payments. 

Earlier this month, my daughter was approved to consolidate her loans- however the interest rate offered was at the max. We applied to be co-borrowers to lower the rate and were denied. " Income is insufficient & Delinquent credit obligations. '' We reviewed our credit reports and have XXXX accounts coded as adverse from more than 3 years ago. One payment missed. Accounts are either current or have been paid off. We have pages of " Satisfactory '' accounts- including all student loan accounts. 

Current debt includes student loans $ XXXX which we are trying to refinance. 

Our credit scores are great ( XXXX ) and income is $ XXXX. 

We complained to Discover about their unfair credit decision and they were unable to assist. They referred us to the credit agencies. There are no actual lenders- only the automate credit model they use. 

Discover 's underwriting criteria in their model is extremely unreasonable and unfair to graduates ( and their co-borrowers ) who are trying to manage finances. They are unwilling to work with consumers. 

It is extremely disheartening that very large financial institutions that make oodles of money can't have fair lending practices that help consumers.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, through to XX/XX/2023, I initiated a substantial payment of XXXX USD through my Bank of America account to XXXX, believing it to be a legitimate cryptocurrency service provider. 
Subsequently, it was revealed that XXXX was a fraudulent entity, and I became a victim of a scam. The promised services were never provided, and my attempts to seek resolution directly with the company were met with silence and evasion.I promptly raised a dispute with Bank of America by submitting a detailed dispute letter on XX/XX/2023, outlining the circumstances surrounding the fraudulent transaction and emphasizing the urgent need for resolution. 
Unfortunately, despite the severity of the situation and the regulations in place to protect consumers, I have not received any response or acknowledgment from Bank of America since my initial complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

this Account Number XXXX Account Type Installment LoanTerms67Months Date Opened XX/XX/XXXX this account was piad and was never lateXX/XX/XXXX please removed this late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXXXXXX XXXX XXXX XXXXXXXX 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.

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, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates.

EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Product: Credit card

I closed this account with CFPB help in XXXX of this year. BOA continues to send payment notices that are actually a CREDIT they OWE me and have not paid! 

Please make them pay me my credit and close this account.
Product: Credit reporting or other personal consumer reports

In according to federal law this company XXXX  XXXX XXXX, has violated my rigths, According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, 15 U.S. code 1631a ( 2 ) ( Ai ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U.S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My self account is closed I have paid the full amount XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act the following accounts XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX I XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights : 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

so my grandparents gave me a XXXX $ gift card with vanilla gift card... when I activity it was already being used in new york and I live in Florida!!! customer service at first was helpful sending me a card dispute form that was in XXXX we are in XXXX and I still never got an update... I call to see if there was an update. the caller always seemed confused and every time they put me on hold I get hung up on I even asked to speak to a supervisor to put in a complaint they just hung up on me well they put me on hold... still never got my XXXX $ back .... 
XXXX XXXX cards were used at XXXX via XXXX XXXX $ XXXX XXXX card was used at the XXXX  XXXX XXXX XXXX card was used at XXXX  XXXX $
Product: Debt collection

The company credit acceptance In XX/XX/2021, I called to have my payment rescheduled for a few days out. The person that I spoke to said that there would not be a late fee and it would not affect my credit. Well they lied it did effect my credit and since we were on a recorded line which they stated. They should be able to go back and see when I call in XXXX to have the payment arrangement. Again the person that I spoke with said that we were in a recorded line. So it should not be a problem to pull up the conversation, and have the issue resolved immediately. This is very unfair and injustice for what has been done. It has made a major fall on my report. I would like this taken care of. I have reached out to them. They wouldnt talk. So now I need your help. Thanks
Product: Debt collection

On XX/XX/23 I was contacted by a company fraudulently called XXXX XXXX about a debt that I do not owe and that legal action was being escalated through the courts for collection. The mistake I made was verifying my information with this fraudulent company before I realized it was a scam!!!
Product: Credit card or prepaid card

I was charged {$71.00} for an interest charge XX/XX/31 which, after contacting Goldman Sachs ( Apple Card ) on XXXX, was told was trailing interest despite my never having been charged such a fee, despite paying off my full balance. In attempting to address the issues with the company, I pointed out that their payment app only showed one type of interest charge, and no indication of any other type. I was told I misunderstood the terms despite pointing out that I /never/ had this type of charge before.
Product: Student loan

There are so many issues to complain about from FedLoan claiming it did n't receive my paperwork, to not crediting my account appropriately and claiming I did n't pay when I did ( thank XXXX for my bank records ), to once claiming I did n't submit my IBR paperwork in time to be processed, although it 's on record with them and electronically that it was ( they just failed to get to it in time ). All of this has resulted in a TREMENDOUS amount of added interest to my account to the tune of XXXX of dollars. I 've never been late on a payment, and they make it incredibly difficult to renew my IBR! It 's a game they play in order to get more money from people! In my latest struggle with them, they simply wo n't acknowledge that I have had a change in family income and family size. They told me it would be " at least 90 days because they are backlogged ... they are receiving hundreds of complaints daily ... my application keep gets pushed back because every time someone complain they get pushed up and my paperwork gets pushed down the pile ... '' I CA N'T AFFORD to pay for their incompetence!!! 
I honestly do n't know how this organization can be supported by the United States Gov. It 's horrific to think of how many thousands of dollars in interest I 'm responsible for paying because of their mistakes. It 's disgusting to think of how many other unsuspecting and trusting individuals are out there dealing with the same thing while NO XXXX with the power to help has. I simply can not afford to keep this up! How much more interest will I be charged for their negligence and illegal policies? Please, please, please help me and the thousands of other people who are simply trying to get the appropriate management of our loans. Fedloan causes me to have anxiety like nothing else ... .I know they are stealing from me and there is nothing that can be done except accept it. Please help.
Product: Credit reporting or other personal consumer reports

Hi I tried to close my American Express card in XXXX Unfortunately due to a 'technical error ' that Amex admitted to ( please see attachment ) the account remained open.

Over time, there was charge put on the card which I did not know about as I thought the card was closed as they confirmed.

I never paid off the charge and the multiple late fees piled up and negatively impacted by credit score some XXXX points.
Product: Debt collection

On XX/XX/XXXX I submitted via certified mail to Weltman, Weinberg , & Reis Co., LPA a written request to stop contacting me except via US Mail however they continued to attempt to contact via telephone many times through out XXXX, XXXX, XXXX, and the beginning of XXXX. At one point they called my in laws and told them they were attempting to get in touch with me over a past due loan and they attempted to call me at my place of employment on or about XX/XX/XXXX however I do not have a record of this. I do have records however showing 29 call attempts from them, some with messages, that occured between XXXX, XXXX and XXXX, XXXX. Some days they called 2-4 times per day. 
Also on XX/XX/XXXX, within 30 days of receiving the validation notice, I requested several documents to validate the debt including proof that the account had been sold or assigned to the collection agency which I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is an account on my consumer report that is being reported more than once. In addition, information is not correct. I was denied credit to get my daughter 's dental work done for all the inaccurate information that has been furnished to my consumer report. This false reporting is ruining my credit reputation, I have had to move in with my family because of fear I would not be able to get an apartment in a desired neighborhood. 

Also, according to federal laws a consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card My credit is my SSN and I have to give my SSN to apply for a " student loan '' therefore these tradelines are a result of my credit card.
Product: Checking or savings account

On XX/XX/18, someone hacked my account and took all my money. They also messed with the secure messages and framed me into being scammed. Chase also thought I got scammed when I clearly don't talk to anyone or give out my info. I only focus on working out and college so I have no time. I don't own XXXX XXXX  or know what XXXX is. None of this makes sense. I have lost trust in Chase and don't know if I want this bank in the future.
Product: Checking or savings account

I got an email at XXXX XXXX on XX/XX/XXXX from capital one that there was a system issue about direct deposits. I have not received a direct deposit and I need it in order to pay my bills and expenses for a work trip. It was supposed to be fixed on XX/XX/XXXX but still no deposits have been made on the account. I leave Wednesday for my work trip and nothing has been resolved!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was ran for a car it seems without my permission. Have fought with the company and credit bureaus with no luck.
XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX all are being reported by all 3 credit bureau and have been paid in full no miss payments but the company is a bad company I had 3 cars not miss payments and they repo my car in error. Then a lawsuit was field and they were to remove charge yet they still did n't. I need help removing these off my credit. I have fought with them for so Long. I 'm need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Complaint XXXX - XXXX XXXX XXXX XXXX v Key bank Loan I have many times complained on this account Key Bank misses paying my Homeowners Insurance in my escrow account and the Key bank person handling this matter, XXXX XXXX, started off apologizing saying it was an introvert-ant error and now it has revolved into I have to contact and address by mail. This is a stalling tactic for bad service. 

Other customers get to call an 800 number and are serviced like I have been serviced before in which money has been wired into my Insurance account.

I guess this is retaliation for my complaints. 

XXXX XXXX XXXX
Product: Mortgage

I got behind on my morgage really bad-Ocwen loan servicing, LLC is the lender. I was fighting XXXX at the time-had to file bankrupcy chapter XXXX. Ocwen offered to modification -which sounded good and all. I accepted because I thought it was the best way to keep my house. I went through 2 sets of modifications payments before they approved me. The thing is I was approved of payments of {$430.00} a month in which we can afford but I have 7 years to pay off my house and they tack all the fees on plus more in which at the end of the 7 years I will still will have a ton of money to come up with or loose it all over again. They say I owe XXXX on the home-how is this possible-thats more than what I paid for 25 years ago when I purchased it.Not sure what to do or who to talk to about this situeation and are they in the right as far this modification.