23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Please see comments from my previous complaint which was closed. Case # XXXX Upon reviewing flagships documents that they attached with their response to this complaint, I found multiple errors. They made it look as if they corrected the issues ( not posting payments properly, holding payments making them late, applying my payment to another account, repossessing my car when I had made the payments every month leading up to the repossession but due to their terrible business practices they were not applying my payments which led to the repossession ) There are so many errors in everything that they have done it is hard to keep track. I am going to attach all of the documentation once again including their documents that they responded with. They have in fact failed to correct my account ( they made it appear as if they did however if you look into the documents they provided there are multiple mistakes ), after multiple failed attempts at contacting them I am now seeking further action against this company. I am hoping you will help me. I am going to attach comments from others about this company, as it is not just me that has this problem. This company is fraudulent, has no integrity, and should not be allowed to continue to do this. 

They have robbed me of my money, inflicted emotional distress, lost time and wages, and countless hours researching and digging into what they claim they fixed. I am asking you CFPB to protect not only myself, but many many others who are victims of fraud. I feel as though I have been robbed, mistreated, and so much more. Also, the company continues to drown my credit report with derogatory statements. I want the repossession and every single " missed '' " Late '' payment that the company stole from me to be corrected on my credit report. 

For the company : I am giving you one more chance to CORRECT this, and I mean fine tune every single line of my payment history as well as your horrible accounting practices before I seek an attorney. I will not continue to allow you to do this to me. 


Errors found in the documents they provided in the last complaint : XXXX/XXXX/XXXX payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Payment not accurately applied ( applied, reversed ) XXXX/XXXX/XXXX Repossession fees and lump sum payment not applied correctly look at how many times they applied and reversed, it does n't add up. 
XXXX/XXXX/XXXX {$200.00} payment made, after this is when they " fixed '' everything and responded to the complaint ( and lied ) if I made a {$200.00} payment, and they supposedly applied a {$500.00} payment where is the extra money? Technically they only applied {$300.00} out of what they claimed to have fixed. On the website as of now, it is n't correct and still shows a payment due. The problem is, the " late '' payment was from XXXX when I have a statement from the company showing I had a zero balance and next payment due was XXXX XXXX, XXXX. Go through the dates nothing adds up.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) reported a collection of {$390.00} for XXXX XXXX XXXX mobility. I paid the collection in full, and actually paid extra for a total of {$400.00} for them to process the payment over the phone. The payment was made XX/XX/2018, and the money was withdrawn from my bank account the next day on XX/XX/2018. A week later, I checked my credit report and it showed a {$0.00} balance, but the entry was still OPEN. there was an option to dispute the entry with TransUnion, so I disputed it to be marked as a CLOSED. the dispute came back saying the information was accurate and the balance went back up to {$390.00} showing it was never paid, and then a missed payment entry for the balance was also posted to my credit report. I have contacted XXXX several times to get this false information corrected. I was told by XXXX to not dispute the entry, and that they would correct the false entry and it would take up to 45 days for the information to be updated. Every time I call XXXX I get told they will re submit and I have to wait another 45 days. Ive talked to supervisors at XXXX but nothing has been done. I get a different response each time I call, and they claim the entry is in dispute and thats why its not updating. I have not disputed the entry since XX/XX/2018 when I was told not to dispute it and wait 45 days. 

I have also contacted TRANSUNION directly several times and submitted documents from XXXX saying the payment of {$400.00} was made on XX/XX/XXXX. TransUnion says they did an investigation and found that the information was accurate, which it is not. Ive attempted to resolve this for 3 months with both XXXX and TransUnion and both of them have been giving me the run around and telling me something different every time I call, even when I have submitted proof of payment of the debt, and submitted a written letter explaining the situation to TransUnion they have not corrected the false entry. XXXX is telling TransUnion the information on the entry is accurate, when it clearly is not. I paid the full collection in one payment, the entry should have been updated to show a {$0.00} balance and be marked as CLOSED. i have been trying to get this resolved for months and have done everything asked by TransUnion and XXXX and still nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Experian, XXXX and XXXX attempting to collect an alleged debt. 
I send a letter to Experian, XXXX and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Experian, XXXX and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Experian, XXXX and XXXX never responded! 

Further More Experian, XXXX and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that Experian, XXXX and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Experian, XXXX and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. Experian, XXXX and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 
XXXX XXXX XXXX  XXXX {$650.00} XXXX XXXX {$590.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$390.00}
Product: Debt collection

In XX/XX/2022 I was notified by a debt collector, Arvest Central mortgage Company, stating that I owed them mortgage payments. I have never heard of this company so I disputed this alleged debt in full as they instructed me to do so, if I questioned this account. I also did some research on this company and neither them or their parent company, XXXX Bank, have a mortgage lending license in the state of Maryland. This means that do not have the authority to conduct business in the state of Maryland. With all the negative things that Ive discovered about this debt collector, they have sent paperwork stating that they are moving forward with foreclosure of my property, as well as stating that they have placed my deed in lieu. I know that I have been violated, and I will continue to exercise my rights. 
Also Ive disputed this alleged debt with XXXX and they stated that they conducted an investigation and the debt collector advised them that the debt was valid.So honestly, who did they actually investigate, it wasnt myself nor anyone that i may know like a neighbor.
Product: Checking or savings account

I opened an Everyday Checking Account with Wells Fargo on   XXXX     XXXX , 2017 ( with an opening deposit of {$50.00} ). I did so with the promise that were I to meet certain conditions I would receive a bonus of {$250.00} ( see attached documents ). The conditions were that I direct-deposit more than {$500.00} into the account and that I make more than 10 purchases with my WF debit card -- -both actions to be taken within 60 days of account opening. As can be seen from the attached statements, I indeed fulfilled the requirements within 60 days of my application. Given my performance of the terms of the agreement under which I opened the account, I should have received a bonus of {$250.00} well before the date of this complaint (  XXXX - XXXX -2017 ). Lamentably, I have thus far received no bonus.
Product: Debt or credit management

I was made aware that there is current lawsuit against Credit Repair.com and I used this service for 2-4 years. I am inquiring after a family member notified me that refunds were being sent out to former clients. Just seeing if I qualify for a refund?
Product: Debt collection

XXXX XXXX XXXX is contacting my employer and direct supervisor and sharing my information with them. Also, they 're using forceful tactics and also leaving voicemails that are misleading regarding the nature of their call.
Product: Mortgage

I am attaching a copy of an updated deed to show that the ownership has been updated to include my wife and son. There is simply no excuse for refusing a modification process in the past, and now there is more than sufficient income to validate a modification with a forbearance agreement. I am also requesting a fully detailed qualified written request, under my rights with the Fair Debt Collection Practices Act. My attorney XXXX XXXX, XXXX. has been notified by Ditech that an investigation of my file is ongoing. However, I believe that I was discriminated against as a member of the XXXX XXXX. I request a full review and approval of my forbearance/modification request.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. 
CHAPTERXXXXBANKRUPTCYFILEDXXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and o financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 - I was notified through my credit reporting service that XXXX XXXX is reporting me as late for XX/XX/2019. 

I made 2 payments that month. 
XX/XX/XXXX for {$230.00} made over the phone. 
XX/XX/XXXX - From email from XXXX advising me the payment posted. 
I did not notice For some reason the payment never hit my bank account. I did not notice {$230.00} still in my bank account. 
XXXX failed to alert me the payment did not go through. 
They have a messaging system through the app and as of today, there is no messages about this payment. 

I paid them. Not sure what they did with the payment information. I pay every month the same way and never had an issue.
Product: Credit card or prepaid card

I applied for a Merrill Lynch credit card on XX/XX/XXXX and was approved on XX/XX/XXXX. I was supposed to receive XXXX points after spending {$3000.00} in the first three months. You can use XXXX points to buy an air ticket up to {$1000.00}. After I spent {$2900.00} in the first month, the bank decided to cancel my card without any warning or any explanation. I called on XX/XX/XXXX, and  was informed that my account might be reopened if I go to a financial center and bring two pieces of ID and proof of income to be faxed to that department. I went yesterday to XXXX and talked to XXXX XXXX. I brought 4 different forms of ID : my DL, my " green card '', my social security card, my XXXX trusted traveler card. I also brought my marriage certificate, and two years of my tax return transcript downloaded from the IRS. On XX/XX/XXXX, that office has informed us that they had received no fax, and I had to go again. Later on XX/XX/XXXX, I received a call telling me that they were unable to verify my identity. The manager XXXX XXXX told me that their system can not verify my identity and my account will remain closed. I have accounts with at least 5 other banks and none of them ever questioned my identity. I believe that they created this excuse to deny my signup bonus. They refused to tell me what it wrong with my documents and made me feel as if I am a thief. I believe that they selected me because of my XXXX last name. My husband, who is not XXXX, opened the same type of account earlier this year and they gave him the bonus without ever questioning his identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies : XXXX, Experian, XXXX. XX/XX/2022 I requested each agency credit report and found several inconsistencies. Some accounts were not reported, some had reporting dates different or activity dates different or not reported at all. 
XXXX XXXX Experian reports my name wrong and unknown addresses and employment. There are many inquiries from unknown credit inquirers on my report.
Product: Credit reporting or other personal consumer reports

In line with the Consumer Financial Protection Bureau ( CFPB ) guidelines, I have submitted the necessary documents : a photo ID, a utility bill, and a letter from an advocacy group supporting me due to XXXX XXXX XXXX XXXX, which is covered under trafficking as per the Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ). I respectfully request that this information be blocked from my credit report within XXXX business days, in accordance with Section XXXX of the Fair Credit Reporting Act. I have provided the required identification and documents from the list of acceptable items, with only XXXX being necessary under the law. Furthermore, I have included a victim determination letter as required by XXXX ( b ) ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in reference to complaint XXXX. Experian responded and said that the account that I disputed was not on my credit report when in fact it is. I am requesting that this account be removed from my credit report within 15 days since I have already tried to remedy this issue. Please remove this account XXXXXXXX XXXX XXXX XXXXXXXX from my credit report. I attached my credit report in response to Experian stating that it was not reporting on my credit report.
Product: Credit reporting or other personal consumer reports

I just won a judgment against XXXX XXXX. They were to correct to all credit reporting agencies to change the late payment in XX/XX/XXXX to not late. It was never late. This company also increased to loan balance when I first tried to refinance the house in XXXX. They increased the balance from {$240000.00} to over {$500000.00}. This was an effort to lower my credit score to enable me to refinance. I have proof ( screenshots ) of when they accelerated this debt in XXXX. When I contested this, the informed the credit agencies a have a balloon payment. I did not sign any balloon contracts. This is a conventional loan. To this day, BSI refuses the correct the reporting of this report. 

On XX/XX/XXXX, BSI purposely reported their attorney fees as late charges to harm my credit rating. Additionally, this cause a 30 day late payment. There was no reason to add their attorney fees to my credit because they lost in court this past XXXX and I was awarded my attorney fees to be paid by BSI. Once I requested a payoff on XX/XX/XXXX, they reported the false reporting of me being {$78000.00} past due on XX/XX/XXXX. 

I have submitted several times to all credit bureaus the judgment from the trial. Additionally, BSI is still reporting my balance due is over {$500000.00} and refuse to correct this for reporting reasons. 

I need BSI to correct all 30 day late on my credit. Correct the balance due on the loan It is not over {$500000.00}. They lost in court. The judge ruled against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance witht the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX XXXXXXXX XXXX XXXX XXXX, Account # 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts that were sold too debt collectors and I was sued for XXXX of them XXXX and it was paid in full. I disputed the report showing charge off because they sold it and it was paid in full yet the continue to report it.This is double jeopardy reporting and when I ask them to do a dispute they put on my report sold to another lender and charge off.They also did the same with lendingclub Paid charge off. Both accounts are old accounts XXXX pass 7 years yet because I asked for a depute they made it a point to make XXXX remarks bad debt charge offs and then drop my score. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report/ Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/2023 at about XXXX XXXX, upon checking my Chime account, l saw a charge/withdrawal of {$990.00} taken from my Chime account. I did not authorize this transaction at all. I contacted Chime, put in a dispute, and a few hours later they replied that my dispute was denied. I contacted Chime again, but they are refusing to honor my claim. I have filed a police report about this issue.
Product: Debt collection

I had a negative PayPal balance due to timing of transactions. I never received notice of the fact it was going to collections. I go to login to PayPal to manage PayPal accounts and was locked out. I called and was notified that my debt was sent to collections. It was not a credit account and my checking account was attached to PayPal. The amount was {$5.00}. I authorized payment and am still locked out for the next 5 days. When I brought up the Fair Debt Collection Act I was ignored. I got no 30 day notice, no letter. I have payments through PayPal due that I can not pay now. The fact that I was locked out of my account prevented me from being able to pay it even if I had known about it. Tactics are questionable and they're in clear violation of the law
Product: Credit card

I received a letter from TD Retail Card Services regarding an application for an account with XXXX XXXX. The letter advised that they could not open an account for me. I did not apply for an account with XXXX XXXX. And I am disputing the application at this time. The address information on the letter is TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity
Product: Credit card

I have had a credit card with citi bank since 1989 in the past their customer service was excellent and I never had a problem with them. Over the years I have heard numerous stories about difficulty with citi bank yet I continued with them. Over the past two years I have had nothing but difficulty with this company. Promising lower interest rates if I called back and requested at a specific time only to be denied. Cancelled cards ... increasing limits on cards I did not want increased and lowering limits on cards that I needed increased. They recently acquired the XXXX account from Costco they lowered the account credit limit and would only increase it if I agreed to a credit check ... yet at the same time increased a credit limit on another card by XXXX more than what I was requesting. When the account was transferred I had accrued a rebate of approx XXXX dollars. Due to the ensuing difficulty with Citi bank I cancelled this card and have paid off the balance. Now they are refusing to pay the rebate amount as well as charged me XXXX interest. I am requesting the rebate amount be refunded to me as well as the XXXX being removed as payment as the bill was paid in full. Thank you in advance for your assistance with this issue.