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

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXXXXXX 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 XXXXXXXX
Product: Vehicle loan or lease

I am XXXX and no longer able to work because of XXXX and they have repoed my truck and I had to pay XXXX to get it back now I have to pay more monthly. I have had my truck for 2 years I have already paid over {$8000.00} on a XXXX, and when I asked Credit Acceptance the cash out price so I could have maybe paid it off with my taxes, they told me it was {$9000.00} more. So I would be paying almost {$20000.00} for an XXXX. I know they are unreasonable they have been sued before. Please help me. Thank you
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, called Marcus by Goldman Sachs ( MGS ) to perform a Domestic US wire from my MGS online savings account to my XXXX XXXX XXXX, XXXX. Individual Investement account, and I was asked to gather the required information ( Bank name, routing number, account number, etc ). I was informed that if the request was received by XXXX. of a business day, the domestic US wire would occure within hours of the request. When I called MGS  on XX/XX/XXXX to provide the required Domesctic US Wire from MGS  to XXXX XXXX, for some unkonwn reason the representative lied and decieved me by telling me that I could only perform a US domestic wire for an account that I had linked, which I was not told the day before, and has turned out to not be true. 
On XX/XX/XXXX, I called back to MGS  to verify the requirements to perform a US Domestic wire to XXXX XXXX, and only had enough time to get the represntative, who did not appear to know what he was doing, to verify that I could indeed perform a US domestic wire to an external account and it did not have to be linked. 
On XX/XX/XXXX, called MGS to initiate the US Domestic wire to XXXX XXXX before the XXXX. deadline, and after 4 hours, checked my XXXX account and did not see the funds. Followed up the phone call to MGS and the MGS representative then proceeded to tell me that my US domestic wire was in the queue, and would need a primary and secondary review before the funds could be released ( which was not told to me ). Then, the MGS representative told me that after the review, it may take 2-3 business days to complete the US domestic wire. 
**Complaint is to determine how many times and the Marcus By Goldman Sachs company lied and decieved me as a customer, and how this behavior can be corrected by Marcus by Goldman Sachs XXXX
Product: Debt collection

XX/XX/2009, {$1500.00} I sent letters they did not respond back
Product: Credit card or prepaid card

I have been trying for XXXX days straight to contact a live person at Direct Express. I am a XXXX XXXX who receives her social security XXXX on a Direct Express prepaid card every month. It seems ever since I file complaints with your agency before against Direct Express it's as if they are retaliating against me. Cuz whenever I try to call I have to put in my card number and then I am unable to ever get a human being on the phone they just totally disconnect me. I have a question about why I can't transfer money from my account to my XXXX XXXX card so I can use it to do my laundry with. I do not like using my actual Direct Express debit card to do transactions in public places. So I used to be able to transfer money from Direct Express to my XXXX XXXX card and then use my XXXX XXXX card. Ever since the last time I filed a complaint with Consumer financial protection bureau Direct Express has made it impossible for me to transfer anything they've made it impossible for me to get a human being on the phone and they keep hanging up on me. I'm getting tired of the way that they treat me as a customer. They should not be allowed to retaliate against people who have filed complaints against them before. I have other friends who have been able to get right through to Direct Express but when I call and put in my account information it just cuts me off. To me that's unacceptable I have valid account questions and I can not get anybody on the phone.
Product: Vehicle loan or lease

Company is the definition of predatory lending. I was made aware that my loan was accruing about XXXX dollars in interest a day, meaning only about XXXX dollars of my payment was going towards my principal. If my calculations are correct this would be well over the allowed 16 % in New York state.
Product: Debt or credit management

Dear CFPB, I am writing to formally lodge a complaint against Fay Servicing regarding their management of my mortgage account and the unacceptable customer service I have experienced. 

Despite my repeated requests, Fay Servicing has refused to adjust the due date of my mortgage payment to align with the timing of my rental income, which I receive mid-month. As a result, I am consistently unable to make my mortgage payment by the XXXX of each month, causing unnecessary stress and financial strain. I believe this rigid policy is designed to collect interest on my account until the payment is made, which is unfair and predatory. 

Additionally, Fay Servicing has made several errors in the past, including inputting incorrect payment information, which caused checks to be returned. Although these errors were confirmed and the default interest was removed, I am now being unfairly penalized. For example, while I was able to make my XXXX payment over the phone, I am now being forced to submit certified funds due to an incident that was not my fault. This requirement appears to be another attempt to delay my payments and penalize me further. 

These issues have caused significant distress and financial hardship, and Fay Servicing 's lack of flexibility and repeated errors demonstrate a disregard for fair customer service practices. 

I am requesting the assistance of the CFPB to investigate this matter and to ensure that Fay Servicing : XXXX. Adjusts my mortgage payment due date to align with the timing of my rental income. 
XXXX. Allows me to make payments through standard methods without the unnecessary requirement for certified funds. 
XXXX. Improves their customer service practices to prevent further errors and delays. 

Please acknowledge receipt of this complaint and inform me of the steps being taken to address my concerns. Attached is record of their error. I need to make my payment before default interest kicks in. I dont have enough time to send certified funds over an issue that wasnt my fault. I need my ability to make payments restored immediately. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an error in my credit report. I notified the credit card company XXXX XXXX XXXX ) via phone call. I asked them why they reported a late payment on my account. The operator stated there was no late payment on record. However, it shows up on my credit report. I was then passed on to another person at another department who tried to tell me that instead of using my current account to pay my bill, I was using a different account that was not valid. ( This statement is not true ). 
When I first received a credit card from XXXX XXXX I attempted to set up autopay which would not work, and I had to call XXXX to set up AUTOPAY because it was obvious that the website had technical issues. 
According to the Fair Credit Reporting Act Mistakes must be removed according to FCRA rules. 
The agent stated that no LATE PAYMENT was on my file. Yet they reported a LATE PAYMENT to the credit bureaus and refused to remove the statement made to the CRA even though it is not in my file that I have a late payment issue.
Product: Credit card or prepaid card

Add on to complaint XXXX Hi, Comenity Bank responded by restoring my rewards points. The problem is they say they are having problems with direct deposit redemptions. This has been ongoing since at least my original complaint of XX/XX/2022. At this point I want my rewards points redeemed in dollars. The only acceptable resolution is that if they can't do it electronically they write me a check. 

Thanks - XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, 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 XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or 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: Checking or savings account

I have a cash app bank account that was fraudulently charged multiple times by two companies. The 1st fraudulent charge was on XX/XX/XXXX XXXXXXXX XXXX  2022 and XXXX XXXX  is the company that charged me {$1.00} that did not go through. Following that charge a company called XXXX XXXX XXXX charged me for numerous amounts of transactions that drained my account. I have pictures which show a list of the fraudulent charges and their amounts. Some transactions went through and some did not. I have not lost the debit card that goes to the account or given out my information. I have contacted cash app numerous times concerning this matter and they did refund a small amount of these transactions amounting to XXXX something dollars out of the XXXX approximate dollars that were stolen. I have never spent money with any of these companies nor do I spend money that frivolously. Cash app 's website says that your money will be secure with them but that has not been my experience.
Product: Debt collection

I did not receive a notice to this debt. this a copy of the bill and I was in a uber car accident in which cause this bill. 
I have attached a copy from TSI Here is my claim number # XXXX in which the bill can be paid once TSI sends me a letter that they will remove the collections from all 3 credit Bureaus.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX have not been doing thorough investigations of information on my credit reports. I have asked for signed documents stating I agreed to a contract to owe debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and never received any info, however the information is steadily reported as accurate!
Product: Consumer Loan

I have an old debt that filed to attach bank account at XXXX banks in the last 2 months. Now they send a letter head calling themselves some other name. 
I have filed bankruptcy chapter XXXX. Following an accident in which I am XXXX for 20 years. 
It 's embarrassing when they keep sending attachment to different banks and also sent proof of bankrupty. 
How do I make them stop?? 
I call and they are rude and disrespectful. 
I do n't know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Card Services reported a charge-off account to credit reporting agencies. I do not recall getting credit card from XXXX XXXX. I wrote them a letter on XX/XX/2019 to explain the matter ; they never responded to my letter. I never had a credit card with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. This repossession has been handled fraudulent, and has many inaccuracies. 
15 U.S.C 1681 section 605A. States A reseller shall include in its report any fraud alert or XXXX XXXX alert placed in the file of a consumer pursuant to this section by another consumer reporting agency. 

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: Student loan

Requested refund of loan payments made during pandemic under the cares act. First request was XXXX, rep said she processed it and would take up to 6 weeks. Called back on XXXX, rep said it was approved on XXXX and should see refund shortly. Called back on XXXX, rep said she will request refund and " expedite '' it. 

Company is refusing to actually process the refund. What is recourse here?
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, TransUnion and XXXX didnt make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

M & T Bank recently acquired People 's United Bank. The transition has been a disaster and has left me unable to access my personal and business bank accounts. We had plenty of warning that we would not have access to our online banking until this morning. However as of this morning their online banking website is " temporarily unavailable ''. I tried calling multiple times and the wait times are so long I decided to drive down to the nearest branch ( XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ). There was a gentleman in line there who said the ATM ate his card and he was unable to access any of his accounts. I talked to the manager and she said they were having problems as well. She could access my information to confirm my money is safe, however I could not do anything with it since the branch had not received any bank checks and whoever was supposed to swap out their equipment over the weekend didn't finish the job. Unfortunately that leaves the workers at the branch ( manager and tellers ) unable to assist with many basic banking functions or to answer any questions. 
As it stands I and many others are now locked out of our accounts and especially for business owners like myself this is very devastating. Please investigate M & T because this should not be allowed to happen when livelihoods are at stake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion because there were third party agencies like XXXX XXXX & others pulling my credit information from there agency and it was reporting my student loans that are paid in full delinquent & in collections. I have been continuously getting denied for a rental lease leaving me & my family stuck living in a XXXX 

When I spoke with the transunion representative XXXX he said my loan balances showed paid in full and had at a XXXX balance since 2019 which is correct, but when I login into my transunion XXXX account the loan balances are showing actively in collections and delinquent. When third party companies that real estate agencies are using to screen potential tenants Im getting denied & remain XXXX So I am left to suffer the consequences of these inaccurate debt amounts being reported by transunion and its affiliates/ subsidiary companies. 
Every time I tried to dispute these accounts on XXXX it would lock me out the account and this happened more than once and I had to contact tech support to gain access again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. 

The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. 

My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. 

What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze.
Product: Debt collection

I contacted this agency through mail with written notice asking them to verify that this account belongs to me either with a copy of my ID, a signature, or a copy of my social security card. This agency responded by sending me 3 letters asking me to send my request in writing but I already did that. This issue is stopping me from living life to my fullest potential and i need action taken as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I checked my personal credit report and saw multiple and excessive unauthorized inquiries from XX/XX/XXXX to present. The unauthorized inquires and incorrect information drastically dropped my credit score, and ruined my credit. The incorrect information continues to ruin my credit. As a result, I am unable to obtain goods, products, and services that I would have normally qualified for through my hard work and success. These companies include but are not limited to : Rentgrow on behalf of XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX USDA XXXX The unauthorized inquires consist of multiple '' soft credit checks, '' for reasons unknown. I did not have business with most/all of these companies on the dates the " inquires '' were conducted. These inquires compromised my personally identifiable information, credit, safety and security as they were conducted WITHOUT my knowledge and consent. These aforementioned companies checked my credit LONG before I learned I was a victim of fraud in XXXX. I contacted these companies and confirmed they had the incorrect client name, incorrect client date of birth, incorrect client address, incorrect state of residence and more. Who provided my information to these businesses and service providers? Why was I mistaken for ALL these people?
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS ACCOUNT IS REPORTING LATE PAYMENTS AND ERRORS ON MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ACCT # XXXX As a lawful consumer Ive been violated of my rights due to the fact the consumer reporting agency and/or data furnisher of the company attached to this complaint is not reporting 100 % accuracy across my credit file. I have attached photo proof of the inaccuracies I must add in detail that on this photo I've circled in yellow months that this company hasn't reported no data to bureaus and payments was made on-time and paid as agreed. Thats a perfect example of how inaccurate the data-furnished could be! I've also marked with a red X the late payments this company is also reporting that are also inaccurate and I am aware the creditor must report 100 % maximum accuracy or information shall be modified.
Product: Checking or savings account

On XX/XX/2022 I went to Regions bank to the atm to deposit my check which I received in cash. It was XXXX XXXX I put it into the ATM and it gave me a receipt stating that the transaction did not go through. It kept my cash. 
I called that afternoon and they said it would take around 10 days to get my money back, but to call back the next day. On XX/XX/2022 I called around XXXX and they said I should receive my money in my account today because XXXX would come but to call back after XXXX. Around XXXX I called back and the lady told me it would be around 10 days before my money would be deposited. This is my paycheck, I have bills, children I have to feed. I can not play this game with them.
Product: Debt collection

Ability Recovery Services LLC ( ARS ) continues to try and collect funds for XXXX University when the debt was paid under a settlement agreement. ARS refuses to post a XXXX  balance and continues to slowly report increments of lesser amounts. A representative XXXX said she was going to remove the account from XXXX  do no one could see the previous previous balances and know what they are doing to costumers when they pay off their debt. The debt was already charged of but collection efforts continued to be made by ARS. XXXX was paid to settle the account but XXXX  reported XXXX was due. Then the representative XXXX said XXXX was due. They are gradually decreasing the amount ant I was denied credit. Therefore, the way they are processing payments and reporting the XXXX  is creating a hardship.