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

XX/XX/XXXX. Lease vehicle is involved in total loss. Call to XXXX XXXX confirms that holding payment until final check is acceptable. They state they will " Hold '' credit understanding a full lease buy out is coming. 

XXXX A series of calls are made both by me and my insurance company to get confirmation from XXXX XXXX the buy out number and formal agreement in writing that the payment will be close account. XXXX states they need 7-10 days but after that period states they are " behind '' and can not provide the final numbers of release. Again I speak with customer service and I am told they will " hold '' credit. 
XX/XX/XXXX Credit report shows XXXX is reporting the account is past due despite a number of prior agreements that they are to " hold '' pending their ability to provide end of term financials, XXXX XXXX Series of calls are made where XXXX acknowledges they received the replacement value payment from insurance company BUT they have not updated the account to reflect the payment back to XX/XX/XXXX. As a result the continue to report the account past due now @ 60 days. 
XXXX XXXX Series of calls with XXXX where the states there are only two ( 2 ) lease people working area and they are behind. Again agree that payment has been received and they are " holding credit ''. 
XX/XX/XXXX XXXX states that the {$500.00} deductible most be paid XX/XX/XXXX Payment for the {$500.00} is made. This is what they state is the final requirement to close out the lease. 
XX/XX/XXXX Credit Agency continue to report delinquent payments. This despite # XXXX full payment having been made XX/XX/XXXX and the {$500.00} payment made XXXX. Again XXXX states they agree that the account is paid in full but the group that is supposed to close out the account is behind. 
XXXX XXXX Calls into XXXX confirm the account shows " closed '' yet the online portal shows balance and XXXX continues to report late XX/XX/XXXX XXXX with XXXX again confirms that account is paid in full and they are just waiting for their internal team to close the account out. 
XX/XX/XXXX Same story from XXXX XX/XX/XXXX Credit reports continue to report account late and delinquent. XXXX continue to report the account past due despite it being paid in full for close to 120 day. 
XXXX continue to state they will correct the reporting to remove the delinquency. I have disputed these charges @ XXXX as well Despite the facts the lack of engagement on this issue by XXXX has dropped by credit rating from XXXX to XXXX do to several incorrect reports of delinquency and their continued statements that they intend to address it. 
120 days. 4 months. Totally unacceptable and no end in sight. 100 % being blamed on lack of personnel to address the issue in a timely fashion. 
XXXX has been made 100 % whole yet I continue to be penalized but their lack of action and continued incorrect reporting of a delinquency.
Product: Money transfer, virtual currency, or money service

This is a follow up to a dispute I created with Consumer Financial Protrction ( Complaint : XXXX ) because my case was closed prematurely. 

There was unauthorized wire transfers from my account on XX/XX/22 for {$5100.00} and on XX/XX/22 for {$42000.00}. I opened a dispute/recall of the wire transfers on XX/XX/22 with Chase. I was supposed to receive an affidavit by mail, I called Chase on XX/XX/22, XX/XX/22 and on XX/XX/22 to follow up on the affidavit, Chase simply replied that their back offices send out affidavits by regular mail and this process could not be expedited. 

I took all necessary steps that Chase recommended to secure my accounts including closing the accounts, opening new accounts, creating new online ID, password, ordering new checks, and replacing the debit cards. 

On XX/XX/22, I received an updated through Consumer Financial Protection that my case has been closed by Chase and resolved because I did not fill out the affidavit. Chase attached the letter and affidavit with the case decision. This was the first time that I saw the affidavit. Chase did not even email or mail me the letter directly. I saw this letter only because they attached it to the complaint. I immediately filled out the affidavit on XX/XX/22 and had the local branch send the affidavit on XX/XX/22 to the appropriate office. 

There is absolutely no follow up to my case, every time I call Chase, no one can give me steps being taking to resolve the matter and recoup my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled this account back on XX/XX/XXXX however, XXXX has failed to update my credit report after 2 months to show a {$0.00} balance is owed. 

I received a confirmation that my settlement was processed successfully by XXXX XXXX XXXX payment service. 

See below. 

From : XXXX Date : Mon, XX/XX/XXXX at XXXX AM Subject : Payment Confirmation To : XXXX Dear XXXX, XXXX, Thank you for using the XXXX XXXXXXXX XXXX XXXX XXXX. This is to confirm your authorization, on XXXX XXXX at XXXX, for electronic debit from your funding account payable to XXXX XXXX XXXX. The following account ( XXXX ) will be paid, in the total amount of {$4900.00}. 

Account Number : XXXX Confirmation Number : XXXX Effective Date : XXXX XXXX Payment Amount : {$4900.00} The payment will be completed on effective date or shortly thereafter. 

Thank You, XXXX XXXX XXXX RIGHT TO REFUND " If you, the customer, are a resident of California, you are entitled to a refund of the money to be transmitted as the result of this agreement if XXXX XXXX XXXX XXXX does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. If you want a refund, you must mail or deliver your written request to XXXX XXXX XXXX.* at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code. '' * XXXX XXXX XXXX XXXX is a third party vendor facilitating the money transfer on behalf of your service provider.
Product: Payday loan, title loan, or personal loan

A friend fraudulently used me as a cosigner on a line of credit from the bank. I am legally XXXX, and I am unable to read or review legal documents. I am on permanent XXXX. 

I have no recollection of signing any loan documents or agreeing to cosign for the friend. 

I had given the friend, XXXX XXXX XXXX, XXXX to assist me with my other accounts at Citizens Bank, but never agreed to cosign a loan. 

On XX/XX/XXXX, XXXX XXXX XXXX received a cash advance on the line of credit for {$200000.00}. Now he is unable to pay the loan. 

I reported this situation to the bank. I was told that the bank had restricted the account and was told I could only speak to a single individual named XXXX XXXX XXXX. The bank ( XXXX XXXX ) will not return my calls or emails, and will not provide an update on the reported fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic.

( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

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 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se
Product: Credit card

I asked to close all my accounts. They would not let me pay my account online. So I had to pay in person and I paid them the amount they asked and they said they will close the account. 

Now I am getting a bill that says I still owe them XXXX XXXX. I asked them to close my account and pay off the amount so that I wouldnt have any random stray bills on accident going to that card and they would start declining them. Instead, I believe they purposely gave me the wrong amount so that I would have XXXX XXXX  still there so that hopefully they can scam me out of more money and I believe theyre committing fraud in this way. Please help me be able to close my account with Bank of America. If I have to go in again and pay them more money I will, but I would love your assistance and ensuring someone doesnt keep my account open when I ask them to close it. 
Also, I believe that if I dont pay this XXXX XXXX  which I now have to go in person again to pay, they will charge me a late fee, which is again a fraudulent practice when I have a paper trail showing that I came in to pay off my bill and asked them to close it and they said they would. Additionally Id like to understand the laws around why I cant pay this bill online.
Product: Debt collection

This company added a collection to all XXXX credit bureau 's for a debt I DO NOT owe. I have contacted the company and asked for proof the support these charges and have gotten no response. ( see attached letter and fax confirmation ). 

These charges that FCO is attempting to collect stem from a 1 year rental agreement ( XX/XX/XXXX to XX/XX/XXXX ) with their client XXXX XXXX XXXX. At the end of my 1 year contract I chose not to renew my lease because the renewal rental rate was far greater that market rate for the home and area so I submitted my notice to vacate and moved XX/XX/XXXX. The house and carpets were professionally cleaned and the house was left in good repair when I moved out. I requested an exit walk thru appointment was told by XXXX this was not necessary and they would contact me if there were concerns to be addressed. I heard nothing further from XXXX so I assumed everything was fine until a few months ago when this collection showed up on all XXXX credit bureau files. The collection agency ( FCO ) sent me a letter and a ledger of charges from XXXX which made up the balance they were collecting and I was literally dumbfounded. I am being charged for an increase in rent for XX/XX/XXXX which reflects the renewal rate even though I was still contracted at the rate of {$1300.00} per month. I am being charged rent for XX/XX/XXXX at the renewal rate when I my lease has already ended and I had moved out. I am being charged for General Maintenance to make repairs ( what does that even mean? ), for weed spray applied to the yard, dryer vent cleaning, repainting the ENTIRE house, and the list goes on and on. Under NC law ALL the things they are charging me for and attempting to collect fall under reasonable wear and tear. I have asked for proof of the necessity of these repairs as proof of damage beyond reasonable wear and tear and defined by NC statue and have gotten no reply.
Product: Money transfer, virtual currency, or money service

I received payment of {$200.00} for car service from one XXXX  XXXX of XXXX XXXX XXXX XXXX ri She then went to her bank I believe citizens and falsely reported it as fraud resulting in money being taken from me
Product: Checking or savings account

On XX/XX/year> at XXXX. I went to my local XXXX XXXX XXXX in XXXX XXXX, NJ XXXX  XXXX XXXX. As I always do around this time of the month I go to the ATM and pull out cash for my rent. Today was like any other first I start with my XXXX debit card and pull out XXXX. Then I see that the ATM i'm currently using is becoming low on funds. So I move over to the ATM next to it and proceed to put my information in. I go to take out {$270.00}. Everything is going smooth and I can hear the ATM counting my money then all of a sudden it cancels it and on the ATM screen I see " cash dispense error. we are unable to process your transaction at this time. Your transaction has been canceled. '' So I approach the XXXX workers inside and they tell me they can't do anything for me because they don't own the ATM. So I go back to the ATM and look for a number take pictures of the screen and ATM to figure out what is going on. I call PNC bank because this ATM has their name on it so I assume it belongs to them. I call and speak to XXXX different people who tell me they can not help me and that I needed to go through my bank. So I file a dispute with my bank " XXXX XXXX  '' and my claim was denied because it " benefits the customer '' and that they can't see any " credit from the ATM ''. Even though I provided all the proof I had. I am going to file a police report for this as well because it doesn't make sense as to why no one knows where my funds are or how they are unable to help me. The ATM I took a picture of says its the property of " XXXX ''. I even called them and they told me they can't help me either that they only service the ATM. I just would like my money back it's not fair that I have to jump through this many hoops for it.
Product: Checking or savings account

When I try to log into my USAA accounts I receive the following message : " Due to past difficulties, we can no longer offer you access to usaa.com. If you feel that we have restricted your access in error, please call toll-free XXXX. '' I have been a USAA member since I enlisted in the military more than a decade ago. I was an intern at USAA for two summers as a college student and have always been proud to be a part of the company. I don't make any illegal transfers or even questionable purchases. I really have no idea what " past difficulties '' means. 

I've called them and spoke to half a dozen representatives and no one can tell me why I can not access my accounts. My military direct deposit goes into my USAA account. How am I expected to pay my bills for XX/XX/XXXX? 

I know this is some horrible mistake ( my name is fairly common and I could see a mistake happening ), but I am frustrated at the lack of transparency and progress. This ordeal will have adverse actions on my family 's financial situation. I truly hope this doesn't happen to more members.
Product: Credit card or prepaid card

In XXXX and XXXX of XXXX, I disputed ( 3 ) charges. With the disputes, I provided phone records, emails, XXXX correspondence, dates, names, and times of the companies in question in response to OLLO 's investigation. In XXXX, XXXX, and XXXX I received correspondence from OLLO stating that the cases were successfully closed in my favor. The amounts were {$490.00}, {$110.00}, and {$130.00}. I recently received notice from OLLO stating that they reversed the credits back of {$130.00} and {$110.00}. This would be the 2nd time they have done this. I've spoken to ( 6 ) customer service representatives at OLLO some were helpful and some told me that I would have to wait for another investigation. 
OLLO card services refuse to help me the consumer and has sent me ( 2 ) letters stating my case was closed!
Product: Credit card

I received a mail solicitation from Citibank to apply for the XXXX credit card. This card carries a XXXXannual fee. The wording of the solicitation indicated that I had already been pre-approved for this card. Since I already have XXXX credit cards with Citibank, I applied for this card online, using the reservation number given. 
I was declined for the credit card, with the reason given that " Your payments were low on one or more of your accounts with us, '' in addition to the standard " ... balances on your revolving accounts are too high in relation to those credit lines. " I can understand the second reason. I sent a letter, certified and return receipt requested, to Citibank requesting clarification on the XXXX reason. 
I received a second letter in response, only detailing the high balance reason. 
My issue is that I always make more than my minimum payment to Citibank each month on XXXX their cards. They did not provide information to advise on what criteria constitutes an 'acceptable ' payment level in order to qualify for the card that they sent me an invitation to apply for. 
There is obviously a secret criteria that is being used not based upon something known and objective, such as credit scoring, which is discriminating against a customer without them being able to remedy it. 
This is arbitrary and capricious, and should not be allowed.
Product: Consumer Loan

Exeter finance has now lied XXXX times they refuse to fix anything they mess up and dont honor anything they say first in XXXX on XXXX/XXXX/2015 they said I could do a two month deferral just fill out a form and return it by email filled it out sent it in got a call saying they do n't accept e-signatures ( even though they are legal 15 U.S. Code Chapter 96 - ELECTRONIC SIGNATURES IN GLOBAL AND NATIONAL COMMERCE ) but fine I resigned it with a LIVE signature logged back in to their secure messaging portal and sent it back in BEFORE the expiration date of the offer. I got some money and made a payment so I assumed I was AHEAD since XXXX months were deferred then a few months later I get a call they say I am past due by way more than would be possible I explained the situation and the rep says they never got the live signature form ( have proof it was in fact sent successfully ) but if I make just XXXX payment we can do a new deferral and all will be well again, this time no form is ever sent they collected the payment customer service now says im not eligible for the deferred payment agreement and must pay now to avoid repossession I pay them again explain that I was on unemployment and that billing me in this manner does nothing more than keep me behind and make it impossible to catch up I was now demanding they correct the XXXX previous deferrals THEY promised and no one could help not customer service not a manager NO ONE XXXX rolls around and I am past due now I have had nothing but unemployment for XXXX months but I advised them I was starting a new job on XXXX/XXXX/2015 the lady tells me again just make a payment call back in tomorrow and ask for the deferral and you will be current and can finally get back on track I gave them the last of my money as in my grocery money my gas money everything I had to make a payment I call the next day and the rep says well now you have a payment due because its your due date and you ca n't get a payment deferral unless you make ANOTHER payment I have nothing he tells me they dont have to honor their word because thats just their policy. On top of this fiasco they charge outrageous interest to the poorest customers college students like I was when the loan originated and that is just absurd we need help more than anyone so if you 're going to make us your target audience you need to be willing to work with the financial situation you KNOW we are in from day XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The TransUnion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiry is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry from my credit file. 
TRANSUNION : XXXX XXXX  XXXX XX/XX/2021
Product: Credit card or prepaid card

Wellsfargo.com will not let me enroll to use the website for a new card. It tells me to call. I have called 5 times and no one there can fix it. They ask me the same identity verification questions and then do nothing. I have not had access since I received this card. I can not pay my bill or view any transactions because I can not access the website. 

Then they told me to go to a branch, but there are no Wells Fargo in the state of Louisiana.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company ran three hard credit checks without my authorization : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is illegal and and was not authorized by me
Product: Mortgage

Shellpoint Mortgage company is overcharging me fees. I have been trying to resolve this past discrepancy with the amount they say I owe. I have not fallen 60 days behind but they have been charging me fees which makes it appear that I owe several months.
Product: Credit reporting or other personal consumer reports

EQUIFAX has an account on my credit file that shouldn't be listed and that was previously removed. 

XXXX XXXX XXXX XXXX This account was previously removed from my credit report years ago for identity theft/not belonging to me. The original creditor originally listed was a different company. XXXX XXXX XXXX re-aged this account and relisted this on my credit report. XXXX XXXX XXXX now list themselves as the original creditor. Which is illegal and violates the FCRA. 
Also they are listing this account as a collection with no delinquent date. Another violation of the FCRA. This is a blatant and intentional act to circumvent the laws of the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as Metro 2 and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX XXXX XXXX
Product: Credit card or prepaid card

I use DIRECT EXPRESS debit Master Card to receive my SSA benefits. On XX/XX/XXXX I noticed a charge for {$120.00} was posted on my card acct. that I did not make. The amt. was posted on XXXX XXXX. On the XXXX, the card co. was notified, I cancelled the card in question and a new card was issued. I followed the fraud complaint protocol and info was faxed back to DE. My contention is I was issued a provisional credit for {$120.00}. on XX/XX/XXXX. ON XX/XX/XXXX it was reversed prior to any decision being made. I need my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hasn't reported my account to 3 major credit bureaus ( XXXX, Equifax, XXXX ) since XX/XX/2019. The account is still open but reporting incorrect balance. The account balance is XXXX. This has hindered me from obtaining new credit. Not reporting the correct balances is killing my credit utilization.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.