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

Cash app let my account be hacked my money took after me telling them idk the person a.d did t approve the transaction. And then they said sorry was nothing theycould do on their end .... and then they shut account down!
Product: Mortgage

I inherited my sister 's house, and took up payments on the Mortage from Planet Home Lending. The very first time I contacted them, they tried to refuse my payment and kept saying they were going to foreclose. It was only after I said I 'd report them that they agreed to accept a payment.
Time went by and I made another payment which was rejected by my bank for insufficient funds but I did not know it even happened. Planet Home Lending never contacted me to say the money was rejected. 
I got behind on payments, then in XXXX I got a letter saying I was in a 45 PRE foreclosure. The letter was dated XX/XX/XXXX. 
As I read down on the letter, it said PAST DUE AMOUNT {$2200.00} Representing payments from XX/XX/XXXX to XX/XX/XXXX. I got that letter on XX/XX/XXXX!!! They also added Late Charge of {$8.00} Bad check fee of {$25.00} and something called XXXX XXXX. {$42.00} I raised most of the money and contacted them to try and make a payment, but they refused and said I was in FULL foreclosure, they also denied that they sent the letter to me. I went to a bank and had the letter witnessed and notarized on XX/XX/XXXX Today!!! 3 Assistant managers witnessed the document, and they all said the same thing. How can you be owing a late payment on XXXX and XXXX when the letter was only sent out in XXXX?. 
I called them again and again only to be told that the house was in foreclosure, but I was required to pay them the money I had on hand. 
I retained the original with the XXXX XXXX from the bank ( XXXX ) seal on it.
Product: Student loan

I took a student loan out for my child to attend XXXX XXXX  in XXXX XXXX which she started on XX/XX/XXXX. The school received a student government loan for {$10000.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX. My child withdrew due to medical issues on XX/XX/XXXX however on XX/XX/XXXX another draw of student loan was sent for the second half of the school in the amount of {$10000.00} on XX/XX/XXXX and {$2700.00} on XX/XX/XXXX. The school refunded the total amount of {$12000.00} In XX/XX/XXXX, I received and email stating that it is time to start paying back my loan, no problem, except the balance is showing to be {$21000.00}. 
I called the school, XXXX XXXX, and I was told by them that I had to speak to the loan processor which is Mohela, they would need to correct that. I call Mohela and was told that they don't correct that on their end, that I needed to go to the school. So now, I personally go into the school and they tell me that whomever is telling me this at Mohela is incorrect and they gave me a ledger to show proof that the money was refunded. I copied the ledger and sent a letter to Mohela letting them know that I went into the school and they are showing the money as being returned and that Mohela needs to correct it and that I will not be making any payments until the balance is correct not only on my bill but also on my credit ( this balance of XXXX XXXX also effects my creditability ). Getting nowhere, I call the Federal Student Aid gov and I am told that it is in fact, Mohela that needs to correct the matter and they have been getting a ton of complaints about Mohela and suggest that I file a complain with them ( case # XXXX ) and with Consumer Financial Protection Bureau as this has been epidemic in nature when dealing with Mohela. I have also filed a complain with the Federal Trade Commission as they are reporting fraudulent information on my credit, dismissing my requests as " not their problem '' ( case # XXXX ). This is disgusting to play these games with consumers and fraudulently try to get them to pay on a debt that is incorrect especially when you show them proof and everyone else is saying it is their responsibility to correct.
Product: Mortgage

Call Nationstar mortgage company about the CARES act during Covid 19 pandemic. Was told that my mortgage didnt qualify for pandemic relief.
Product: Credit reporting or other personal consumer reports

XXXX credit card servicing has violated the Consumer Legal Remedies Act, the False Advertising Law, Business & Professions Code 17500, and the Unfair Competition Law, Business & Professions Code 17200. Payment was made XXXX XXXX but failed to report account as paid but instead marked me late. Additionally, I have the right to privacy according to 15 U.S.C 1681 section 602 A. Moreover, 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. Also, 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. I have tried to dispute this account with XXXX over 20 times and they have yet to change the late mark for XX/XX/XXXX on my credit reporting. Remove any late or negative remarks for account. As you can see by the impeccable payment history there is in deed a mistake made by credit servicing team and failed to provide accurate reporting data after 20 times trying to fix the issue.
Product: Credit reporting or other personal consumer reports

TransUnion won't acknowledge all the credit card debt i have paid off over the last year and a half, amounting to about {$7000.00}. i have filed disputes with them and they won't acknowledge anything. i can't get them to see any of the debt ii have paid off. i went to try to get my credit report today and i can't even get through the instructions on their website to simply create an account or check an existing one so i can try to file disputes again, because the website ( theirs ) won't work right, it won't send a code to my phone and it times out on the website and tells me i have used all my chances to visit the credit bureaus and i haven't even gotten that far yet. how am i supposed to fight and fix my credit if i can't even get into the credit reporting bureau that doesn't acknowledge my paid off debt?! the other 2 credit reporting agencies got the information about my debt being paid off, why not TransUnion? they're the one all the banks use when you go looking for financing so i NEED them to see all the debt i have paid off! help me! they need to fix their website for one thing, and i need help with getting my credit report so i can see what i still have to dispute with them and make them do their job!
Product: Debt collection

I had a credit card with Captial One in which was closed due to nonpayment and the loss of my job. I received an email from them stating I could settle the payoff amount which was XXXX for XXXX. I called on XX/XX/ and spoke to someone unwilling to help me and I requested a supervisor I was put on hold and the called dropped. I called back on XXXX with hopes of getting more information and settling the debt I explained the email I received and Capital One was not willing to honor their email.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1996 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC failed to send me the loan account number so that I could make the payment so by the time I received the information I needed to pay the first 2 payments which I did and they agreed to not report a late payment. 

I traded in this vehicle on XX/XX/XXXX at XXXX XXXX XXXX in XXXX GA .. they didn't get this load paid of until XXXX of XXXX and even though I submitted the paperwork on my new purchase stating that I had traded in the car XX/XX/XXXX pnc reported that I didn't pay the loan payment on a vehicle that I didn't even own.
Product: Debt collection

Several of the XXXX XXXX that I am responsible for covering received a high volume of calls asking to speak with me and sometimes multiple times to the same store in a day stating " they had a business  '' deal for me which has caused harm to my reputation within my XXXX  and has created hardship
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification from XXXX XXXX on an account ending XXXX that Equifax, XXXX, and XXXX reported the account as fraud. Causing XXXX XXXX to close the account. I never claimed this or any other account was fraud. As a matter of record the communications I sent specifically requested they NOT place fraud alerts on my credit. And only that they investigate the accounts I specified. This XXXX XXXX account was not among the disputed accounts ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX  XXXX XXXX Credit Card reporting on my personal credit file and this was not a personal account. This was listed under a business account. The card was issued to XXXX XXXX XXXX   not to ME. The account number showing on the Credit Report is XXXX
Product: Credit card or prepaid card

XXXX {$340.00} XX/XX/XXXX {$440.00} XXXX XX/XX/XXXX Called way back in XXXX of XXXX to report these charges were fraud and not recognized on my account. Filled out dispuite forms sent them in and waited months and months to here from someone despite calling several times. I was not in possession of my aspire card at the time of the transactions I called and reported these I received a bill in XXXX that had a credit balance of {$1100.00} on XX/XX/XXXX XXXX statement had a balance of XXXX cents this after several charges went through. I get my XXXX statement and the balance is {$780.00} I called in to see what these charges were since everything had cleared my account in XXXX and I had no balance and hadent used the card. I was told several different things non of which is correct. Aspire has added on late fees and interest charges to this balance that is not oqrd to them. When I called in asking why these charges were back on my account I got a nasty person who stated they were not going to be removing these charges cause I had logged into aspire platform for the previous three months when I tried to explain to her that the charges weren't on the XXXX or XXXX statement and that when I saw them on XXXX Imiditely called them she refused to listen to me they coled my account out cause I refused to pay for bogus charges. And reported this to the credit buro I want my account reopened charges removed and report as current to the credit burro. I reported these charges in a timely manor and recived little to no help from aspire card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXXXXXX Balance : {$820.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FILE A DISPUTE XXXX  XXXX  XXXX  XXXX XXXX The account is not in deferrement status. The account is closed/paid in full. 

Please correct comments. Please remove negative deferred comments. 

thank you,
Product: Credit reporting or other personal consumer reports

I pulled up my credit report and noticed a lot of inquiries. I have 3 inquiries I am aware of I did not authorize any of those companies to run my credit. I am very concerned about what I see here especially since i did not give anyone permission to pull only one I initiated is XXXX XXXX did not properly investigate my request to review the unauthorize credit inquiries which is damaging my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has improperly used my report & contacted me after hours
Product: Credit reporting, credit repair services, or other personal consumer reports

My vehicle was stolen and after the investigation my insurance company along with gap coverage were to pay the vehicle off. Santander reached out to me letting me know that I had nothing to worry about while everything was in litigation. Santander also told me that no more payments were needed to be made on my part. Now, on my credit report Santander has reported 2 missed payments and kept accruing a daily interest into the car loan. This is hindering the loan from being paid off as well as affecting me from being approved for a mortgage loan. I have reached out to Santander to correct this problem and they refuse to fix their era.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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
Product: Mortgage

I have been trying to do a deed in lieu with my main mortgage holder and the secondary mortgage holder for approximately one year. Main mortgage holder, XXXX, has been fine to work with. Secondary mortgage holder, SLS, has been a disaster. They have missed responding to 5 short payoff contingent approval letters sent to them by XXXX. 

Each time SLS misses responding to XXXX 's short payoff contingency letter, my case closes out at XXXX and then I have to submit paperwork and start the whole process over again. 

I am an elderly woman and have been trying to turn over my house to XXXX since shortly after my son 's untimely death, because he helped me pay my bills and after he died, I was no longer able to afford the house. I was advised the deed in lieu would be a good process to use. It has turned into a nightmare because of the incompetence of the SLS company as the junior lien holder. 

Dealing with them is causing me so much stress in my life, at a time when I'm still grieving over my son 's death, and I need DESPERATELY for someone to help me. 

My daughter had been helping me deal with them from last XXXX through this past XXXX, when they yet again failed to respond timely to the short payoff contingency letter. When they failed to do it that time, that was the THIRD time they didn't respond and she no longer wishes to deal with them over the phone because of their incompetence. They've now failed a couple of more times since then. PLEASE HELP ME.
Product: Checking or savings account

My purse was stolen. I reported my card stolen and had my cards replaced. Someone went to a Wells Fargo branch and impersonated me with my stolen id and stolen card and was able to get temporary checks. They then wrote checks and when the checks bounced, Wells Fargo froze my account. I havent been able to access my money and they wont take the charges off or set it straight.
Product: Consumer Loan

As someone raised on an XXXX with no experience in what credit is, I made bad choices. I got a car XX/XX/XXXX it 's {$380.00} a month with insurance that costs {$160.00} a month. I want lenders to explain what 's required every month. I still have a year on a XXXX Hyundai Accent. From {$11000.00} to {$25000.00} is what I will pay in the end. I struggle with paying my rent but it 's my only car.
Product: Credit card

It started in XX/XX/2023. They've been texting me about unknown charges on my account. I reported them those charges wasn't mine. A week later, they texted new charges. I called them the charges wasn't mine. They kept on texting about new charges. I called them explained them those charges wasn't mine and had them to close my account as of XXXX. XXXXThey issued me a new card which are same credit number and security code. And then another new charges were made in my account. On going issue, I don't know how to deal with this. I called them again disputed new charges. When I was talking to them ( fraud department ) to resolve the issue, I couldn't bear a thought that they intentionally did this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank unjustifiably and inaccurately closed three of my accounts as high risk of failure to pay. My credit report show 100 % on time payments. I have never been late and ALL three accounts were PAID IN FULL. I believe the issue is with the care credit account in which we charged {$5000.00} for a vet bill to help a cat. At the next billing cycle to bill pay paid in FULL, in fact we mistakenly paid them twice. They received {$10000.00}! When reported, we were refunded and then paid the {$5000.00} a third time to the account is PAID IN FULL. I do not want reported as high risk of failure to pay when they received more than owed, on time and in full
Product: Credit card or prepaid card

Macys Amex charged a {$2.00} fee that was reported 30 days late. This has greatly harmed me. I am a XXXX XXXX XXXX and I lost tons of points because of this fee that I had no clue I was being charged. I am never late. They upgraded my account to macys amex. They also just upgraded me to platinum. They encouraged me to go paperless billing so I was unaware about this {$2.00} fee that I acquired. I charged and paid off what they showed as full balance and never knew I was assessed this {$2.00} fee! A couple months later I charged again and paid off the balance again and unknowingly paid the {$2.00} fee that was assessed at that time. I recently got a notification from my credit bureau that I had received this 30 day late and tried to fix this with macys but they are not willing to help. This has been a very stressful situation. It has harmed my credit massively. I pay all my bills on time. I have been a very good cardholder with them and have never been late before or after. I never even received late notices from them regarding this issue. This is clearly bad communication on their part especially when I have been a loyal and responsible consumer to them. I am beside myself with such unfair treatment. I feel extremely manipulated and harmed by their company and I would like this 30 day late removed from all 3 of my credit reports. They obviously have XXXX problem harming their responsible customers. It was a {$2.00} balance not a {$200.00} or {$2000.00} balance. If I was aware I would have paid this immediately! I hope that this can be rectified and that they put better communication into place. I am losing sleep over this whole fiasco. Credit is not something I take for granted. This has harmed me beyond measure. I just hope this gets taken off all 3 credit bureaus.
Product: Debt collection

I received a negative credit reporting alert from XXXX on XX/XX/2016 that creditor, Capital One has placed a 30 DAY LATE on my credit file. The creditor has posted misleading, invalid, and inaccurate information to the major Credit Bureaus. I received a 30 Day Late Payment ERROR which was created by FAULT of Capital One. I requested the alleged 30 Day Late Debt be validated and proof be provided surrounding investigation of why the XX/XX/2016 payment was cancelled by Captial One. The request was not honored nor has the inaccuracy been corrected.
Product: Credit card

I signed up the an American Express TrueEarnings Card. The contract specifically stated that I would receive cash back for eligible purchases. My first cash back check should have arrived in 2015. It never did. So, I contacted American Express to reissue the check. They refuse.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX Acount Number : XXXX XXXX / XXXX XXXX Equifax XXXX XXXX Acount Number : XXXX XXXX XXXX XXXX Acount Number : XXXX XXXX / XXXX / Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters of dispute to the credit reporting agency. In each letter Ive asked the agency to investigate the account and to send me whatever documentation along with any information showing who they verified the account with. I never received anything. They just sent me a credit report stating that I, the consumer disputes the account. Obviously no investigation was done. 
The account listed is XXXX credit card. I have never had a credit card with XXXX and I would like it removed. 
I also sent a letter to the creditor and got no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following payments were never recieved. I am the policy holder and owner. 


Claim # XXXX {$2000.00} Claim # XXXX {$3400.00} Claim # XXXX {$14000.00} Compensation Damages should be awarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I sent out a letter to Transunion asking them to remove items from my report according to the law O.C.G.A. 15 USC 1681 a ( d ) ( 2 ) ( B ). I did not receive a response from Transunion. On XXXX XXXX XXXX, I wrote an affidavit of truth and sent that to them along with the original letter and still I have not received a response. I do know according to law that after 30 days the items must be removed.