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

the vehicle had several issues and I ended up being unemployed, I am deaf so I have to use a relay service interpreter to call and I was repeatedly hung up on by ignorant customer service mistaking it for a phone solicitation calls, I eventually emailed the customer service informing them they could repossess the vehicle and we could work out the balance. I received an automated reply that they would respond within 10 days, they never did. I was living with my father so I could not park it in the community so parked it at a public lot. after several months later repossession trucks showed up and I informed them of the location. the repossession company ended up continuing to come to my fathers house harassing him about the truck, we neither have possession of the truck or have knowledge of when/who the repossession took place. my father called several times and they repeatedly told him that they could only talk to me even after several times explaining that I can not hear or talk on the phone. I have recently learned that Westlake financial has faced several lawsuits, even class action lawsuits, I would like this resolved/removed without having to go through a lengthy lawsuit as everyone else seems to do. this is an absolute terrible company to work with
Product: Payday loan

Cash Factory USA keeps calling at my place of work, even though I 've told them that I ca n't receive calls at work and have requested they stop calling my place of work. They have even gone as far as to call my personnel office looking for me.
Product: Debt collection

Reference to account : XXXX I file a complaint against the company about the debt. The company is being technical stated that XXXXI did not put both account number on the complaint of the same deb tto be removed.. They only removed one account. The account number XXXX still remain on my account. The case was handle in court : I spoke with XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX stated that XXXX XXXX sent the collection to XXXX XXXX by mistake and that they have their own collection for that agency, I should not pay this agency and they should not be on my credit report for this debt. I was told this by XXXX XXXX at XXXX XXXX that the complaint was not for both accountXXXX XXXX XXXX XXXX XXXX have file a garnishment for $ XXXXthe amount of the judgment by the court.
Product: Debt collection

For a collection account with XXXX XXXX XXXXXXXX, I paid FBCS Consumer Contact Solutions {$770.00} on XX/XX/2023. As a result, I received a file number of XXXX and a confirmation number of XXXX. XXXX XXXX, who works for FBCS, firmly stated that I would not receive any other numbers than those mentioned above. The woman refused to provide me with a written confirmation that this account was paid in full since I am refinancing my home. When I asked if there was anyone in the company who spoke XXXX, she replied that no one spoke it. 

It is causing me hardship as I have paid my collection account in full and this person refuses to update it.
Product: Credit reporting or other personal consumer reports

Recent Dispute Dates : XX/XX/2023 Reason : Dispute one of the credit card that doesn't belong to me. The credit card has due pay for over 150 days. It severely damaged my credit score.

Actions I have taken : I filed multiple disputes regarding one of the mis reports of the credit card that doesn't belongs to me. The Experian told me they did investigation and won't change the record. 

I also called XXXX to help correct it, my credit score got back to XXXX in XXXX after I call XXXX. 
But somehow the wrong bad record comes back to my report again, decreased my score to XXXX. 

It is so obvious that the owner name of the card is not mine, and I double confirmed with XXXX that even the SSN of the card is not mine as well. 

The Experian refuse to give out details of how they do the investigation, how they ignore the obvious mistake on the record.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1000.00}
Product: Checking or savings account

On XX/XX/2018, around XXXX we made 3 deposits to the BB & T bank ATM in the amounts of {$1800.00}, {$5000.00}, and {$5000.00}. When making the last deposit, the ATM shut down, did not return the money, nor post on the account. We made calls to BB & T and filed for fraud. The fraud report was denied because agent said that the bank ATM balance was correct and there was no discrepancy in overages. The agent refused to view surveillance footage of the ATM to confirm no internal theft took place. At the deposit, we were driving a XXXX XXXX XXXX XXXX note and made 3 separate deposits. The missing deposit was in {$100.00} bills in cash. The Bank refuses to investigate the situation further. Attempts to resolve through bank failed. Will not provide any footage of ATM audit or relevant facts. ATM is supposedly serviced by XXXX and they claimed that there was no surplus deposit in the ATM. 

In the fraud filing process the agent took down the incident wrong multiple times to the point that we had to go to the branch and file a new fraud claim. The bank refuses to do anything about the lost deposit and refuses to admit that internal theft is at play. They will not look at video or investigate the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Product: Checking or savings account

On XX/XX/2023 HSBC Bank chose to suspend my account and put it under investigation or review without any notice to me no correspondence whatsoever about the situation on XXXX the XXXX XXXX  I tried to log into my online account and could not and I got an error message saying it was suspended so I immediately called the bank they said that it was some sort of problem to call back the next business day on the second of XXXX I called because I usually get a direct deposit on the XXXX of every month and that's when they told me that my account was being up for closure because of some review or investigation without any other notice to me they then said that they were just going to accept my direct deposit but I would have to wait until the account was closed all the way and then I will receive my money. I tried to get the direct deposit stopped but it was too late seeing that it was going to be put in for the next day so the funds were in the account that I could not access since then I have been trying to get my money back from HSBC Bank and I have been given the runaround. I've called 17 times and talk to XXXX managers or supervisors and they all tell me the same thing they don't know when it's going to be that I will be able to look for a check in the mail. This is very very unfair I feel like they're trying to take my money from me and it's not fair whatsoever. Since this problem with HSBC Bank holding my money unbeknownst to me, I have been evicted from my home for non-payment of my rent, I have been in financial ruin because of late fees and bad credit reports because of the money being held and I can't pay my bills. I am XXXX and I received disability benifits from the social security administration disability insurance and that's the money that they're holding from me. I explained several times to the HSBC supervisors with no recourse they do not care and they are acting like it's not anything that they can do about it. They still haven't told me why this is happening still no correspondence no phone calls no emails no letters. I totally feel like this is very very illegal and it needs to be spoken about, please help. Thank You
Product: Debt collection

From : NetCredit XXXX To : XXXX XXXX Today at XXXX XXXX XXXX, Here 's Your Personalized Payment Arrangement NetCredit Our Plan Can Help You Dear XXXX, Account # : XXXX Since you have not paid your past-due balance, the remainder of your loan is now due. Call the NetCredit Support Team at ( XXXX ) XXXX to accept this arrangement or make a payment. 
We understand your finances may have been affected by COVID-19. If you're experiencing financial hardship, please reach out to us so we can work with you to figure out a solution. 
Our NetCredit support team is here to walk you through options specific to your
Product: Mortgage

Gateway Mortgage is the loan servicer on my loan, but they have made a complete mess of my mortgage and will not rectify their accounting errors. They claim that I am 13 payments past due, but I am not late a single day on my mortgage. I have never been in financial trouble or have I had any money issues since I purchase my home and have made every mortgage payment on time. I was hopeful that they could quickly fix the problem, but it appears that their Accounting Department can not get this corrected and now my loan is in foreclosure. I make plenty of money as my mortgage payment is only about 15 % of my gross income. My job is extremely stable and I have been there for about five years. My mortgage payment is around {$480.00} per months and I send them money orders every month. I can provide proof of payments if need, but they should be able to fix this on their own. It is very unfair that they publicly announced that I am a deadbeat payer and am in foreclosure. I am extremely upset by their actions and need them to fix this matter as soon as possible. Please reach out to them and help me get this rectified. I just want this problem that I did not create to go away and move on with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX IS REPORTING DUPLICATE UNAUTHORIZED HARD INQUIRIES XXXX XXXX AND XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My credit report for Experian hasn't updated since XX/XX/2024, I've called in and spoke with a rep 3 time, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX Each time I was told that my address didn't match and to upload my proof of address through Experian.com/upload. I've done this numerous time and it still hasn't updated. I've have been attempting to refinance out of a property I have and this update is holding me back from doing so.
Product: Mortgage

My mortgage servicing company is taking a rediculous and incorrect amount of interest on my monthly payments on a simple interest loan. 
My payments are not being applied correctly. They are stealing interest. 
( acording to their own records attached and beginning on the last page in the 2013 year when they begun servicing the loan ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXXand I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, Experian / XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX Bankruptcy Reference # : XXXX i believe it was reporting in error.
Product: Credit reporting or other personal consumer reports

I am disputing an inaccurate entry on my credit report from American Express. Despite my prior dispute under the Fair Credit Reporting Act ( FCRA ), American Express has failed to provide proper verification of the account as required by law. 

When I requested verification of the account, Amex only provided copies of credit card statements spanning from the year the account was opened to the present. 

Under FCRAspecifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1681s-2 ( b ) consumers are entitled to a reasonable investigation and proper verification of disputed information. Providing credit card statements does not meet the legal standard for verification, as they fail to prove the validity of the account or its ownership. 

Additionally, this failure demonstrates XXXX noncompliance with their duties as a furnisher under 15 U.S.C. 1681s-2 ( b ) to investigate and correct inaccurate reporting.

Credit bureaus are also obligated under 15 U.S.C. 1681e ( b ) to maintain reasonable procedures to ensure accuracy, which has not been upheld in this case.

To support my dispute, I am citing the following FCRA provisions : 15 U.S.C. 1681i ( a ) : Dispute Procedure Credit bureaus must conduct a reasonable investigation when a consumer disputes an item. Providing copies of credit card statements does not meet this standard.

15 U.S.C. 1681s-2 ( b ) : Duty of Furnishers Amex is required to conduct a proper investigation and ensure the accuracy of reported information. Their failure to verify the account violates this section.

15 U.S.C. 1681e ( b ) : Reasonable Procedures Credit reporting agencies must maintain reasonable procedures to ensure maximum accuracy of the information they report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have established that providing statements alone does not constitute proper verification. 

This is not the first time I have addressed this issue with Amex. I have previously disputed this account with them and the credit bureaus, and their response has consistently failed to meet the requirements of federal law. I am attaching screenshots of the discrepancies, including the inaccurate reporting from all three credit bureaus, and documentation of my prior disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted request for removal of unauthorized inquiries into my credit report to both the credit bureaus ( XXXX, XXXX, XXXX ) and the companies that requested my credit report ( [ XXXX XXXX XXXX  XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX - XXXX Inquiry from XX/XX/2018 ], [ Discover Bank Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 ], [ XXXX XXXX - XXXX Inquiry from XX/XX/2018 ], on three different occasions and till date I have not received a response from anyone of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : CAP ONE AUTO XXXX Date Opened : XX/XX/18 Balance : {$17000.00}
Product: Debt collection

I have made numerous attempts to resolve this issue. I have sent numerous faxes and letters in regards to this debt. I was served to state this is a debt owed yet when I contacted the owner of said debt no response. When I requested proof of said debt no response. I have left numerous messages. I have contacted the attorney of record, debt collection agency, and the original owner of said debt to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud DUE TO SEVERAL DATA BREACHES I WAS HARMFULLY EFFECTED BY.
Product: Checking or savings account

I am a long-term customer of Marcus by Goldman Sachs . I have XXXX Savings Accounts, all of which were locked on XX/XX/2023. I did not receive any notification that the accounts were locked and only learned when I called to check the status of a bank wire. The representative said there was a note on my account that the bank cancelled the wire when they could not reach me by telephone days ago. I was later told by a supervisor that no call was ever made and there was in fact, no such note. 

The bank then refused to use any of my personal information to verify my identity, including my social security number, date of birth, and secret word. They also refused to send a one-time password to my phone. They said that my cell number is now invalid and they must instead send me an " affidavit of identity '' to notarize and return. Even though the form is initially blank, they will only send it via first class mail. Meanwhile all of my funds will be frozen, leaving me without funds to pay my bills. They also said they can not tell me the reason for the hold without the affidavit. 

I have read many accounts on this website and others that Marcus can take weeks to unlock the account, even after receiving the affidavit. I will be forced to liquidate an investment to generate enough cash to pay my bills, including the ones that come out of the Marcus accounts automatically. 

It was completely unprofessional to not contact me and inform me about the locked status and to misinform me about the attempt to call me. It was also completely unprofessional to refuse to use any reasonable method to verify my identity and to delay the form by forcing it to go via snail mail in both directions.
Product: Mortgage

On XX/XX/2018, I requested Mr.cooper ( Mortgage company ) to remove my MIP, since I have met the requirement. On XXXX XXXX, I received the letter from Mr. Cooper that my monthly MIP in the amount of {$310.00} has been removed. After I check my XXXX statement, I didn't see any MIP disbursement from my Escrow account. However on XXXX statement, I saw two amount of MIP disbursement from my Escrow account. So I called Mr cooper and was informed that they will request the refund. I've waited for 4 weeks and called Mr cooper and was informed that they will not refund because the 2 MIP disbursement on XXXX statement were from XXXX and XXXX. I argue that the XX/XX/XXXX letter state that " From now on, your monthly MIP in the amount of {$310.00} has been removed ''
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 process 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 significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX  XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX*Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX****Balance Owed : {$XXXX} XXXX XXXX XXXX****Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX}