23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Firstly, I started receiving notifications of making a payment before the 6 month period after being out of school. As I 'm aware, you do not have to make payments on your school loans till you have been out of school for 6 months or more. Secondly, I tried getting my payments lower when I was unemployed due to being laid off and it was impossible to get a response or receive any acknowledgement. I must have tried at least 3-5 times to lower it. Till finally I came across the deferring option but I knew that would make my matters worse. I feel I really did n't have many options of bettering the situation I am in. I believe I, and many other students like me, have been treated unfairly.
Product: Debt collection

I received a letter form Credit Control , LLC saying they are trying to collect a debt that's claiming I owe to XXXX XXXX. I in fact do not owe them anything. I do not owe Credit Control , LLC either. I told them to cease and desist for this reason. The letter is not dated and says to write back by XX/XX/year> to dispute the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also inquired on XX/XX/2022 ; XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Vehicle loan or lease

My husband and I recently purchased a boat from XXXX XXXX XXXX. We did indirect financing through the dealer with Huntington Bank. We signed all required loan documents on XX/XX/XXXX. The bank repeatedly told us that they were behind because of unusually high volume. We continually checked in with the bank. They were not able to disburse funds to the dealer until XX/XX/XXXX. This was due to the bank 's backlog. I received my loan information in the mail and set up online banking where I discovered that the bank charged me interest on the funds prior to receiving them. The principal balance = {$30000.00}. Interest rate is 5.49 %. Interest due = {$86.00} which means they have charged interest since XX/XX/XXXX ( 19 days as of XX/XX/XXXX ). The bank caused our loan to be a week late in disbursement and then backdated and charged us finance charges for the time that we did not have the funds or possession of the boat. I expected interest charges for 12 days in the amount of {$54.00}. I understand that the difference of {$32.00} is not a lot of money. However, if they are delaying every customer and backdating all of their financing to periods where funds are not disbursed, the bank is taking advantage of their customers and the amount could be substantial. I did call the loan customer service department at the bank and explained the issue. I was was told there was no way to waive the overage in interest charges.
Product: Prepaid card

Made a {$19.00} fuel purchase at a XXXX. A hold came on the account for {$150.00}. 

Called XXXX cooperate they had already completed the transaction. 

Called my bank, they said merchant has to release the funds. 

Conference merchant in with Account Manager for Amex. 

Stated could n't and would n't release the hold cause they do n't know if the merchant took the funds. ( Merchant offered to fax over confirmation ) Amex refused. HOLD still remains. 

I have {$0.00} as a current total balance. They have my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally had my mortgage with Statebridge Company starting on XX/XX/XXXX. My loan was sold to XXXX on XX/XX/XXXX. I received a letter from XXXX stating that my XXXX mortgage payment was to be to them and not Statebridge. I paid my XXXX and every payment after to XXXX on time. Statebridge did not update my account to show my loan was no longer active with them. They then reported my account delinquent for XXXX and XXXX. This action caused my credit score to plummet XXXX points. My credit score was XXXX before this happened, I worked hard to get it to that point. I opened a dispute with XXXX about this error on XX/XX/XXXX. I sent the letter I received from XXXX as documentation for the dispute. It was not corrected. I called Statebridge and they refused to send me a letter to say my account was closed and was not delinquent. I opened another dispute on XX/XX/XXXX. I called and emailed Statebridge and they finally sent a letter stating that follows : A review has been made to past reporting of your account to the credit bureaus. The review was specific to the following and the actions taken regarding the discrepancies are identified : Dispute : The Borrower is requesting negative reporting for XX/XX/XXXX to be removed and update loan as service released as of XX/XX/XXXX Review Findings : The Loan was reported late for XX/XX/XXXX due to a delay in the Statebridge system to update loan as service released Corrective Action Taken : A correction was submitted to the credit bureaus on XX/XX/XXXX nd XXXX to update the loan as serviced released and removed negative reporting for XX/XX/XXXX from the borrowers account. To obtain a status with the credit bureaus in regards to this correction, you may use the AUD Control Number : XXXX ; which is the reference number associated with the correction. 

The delinquency was not corrected. It still says my account was 30 days late and this will stay on my credit report until XX/XX/XXXX. I have opened yet another dispute on XX/XX/XXXX. I called Statebridge and they said they have responded to XXXX and have made the correction. The dispute is supposed to be resolved by XX/XX/XXXX. This has taken time and energy and a mental toll on me to get this corrected. I feel this error was not taken as serious as the consequences it caused me with my credit. I feel the representatives at Statebridge and XXXX did not take the proper steps to have my account corrected quickly and with good customer service. I do not feel like this resolution was a priority and it should not have happened in the first place. This has caused my undue stress and frustration.
Product: Credit reporting or other personal consumer reports

Throughout the time frame of XX/XX/year> to the present day, your company has repeatedly contacted me, claiming that I owe a debt under XXXXXXXX XXXX  account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.
Product: Credit card or prepaid card

I was notified by XXXXXXXX XXXX ( where I have a credit card account ) that an unauthorized hard inquiry was made on my credit report by XXXX XXXX XXXX XXXX XX/XX/2023. This is fraudulent activity. 

I froze my credit report accounts through XXXX, XXXX, and XXXX. On my XXXX account, I was able to see the hard inquiry made by US BANKXXXX XXXX XXXX XX/XX/2023 and a soft inquiry made by US BANCORP on XX/XX/2023. It is important to note these inquiries were not reported on XXXX or XXXX. 

I contacted AAA and they provided me with contact information for US BANK to report the identity theft/fraudulent activity. When I spoke with a US BANK team member, they confirmed a XXXX XXXX had been applied for with my information. Filing a police report was suggested for further documentation.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit {$560.00} which is my direct deposit from my employer and any other incoming deposits. Todays date is Friday XX/XX/XXXX and it is now XXXX and I have not gotten my deposit.Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA XXXX as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is XXXX XXXX XXXX XXXX. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/2017. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.
Product: Credit reporting or other personal consumer reports

Hello, I would like to know why a Hard Inquiry stays on a consumers report for two years? I think that is a very long time and very unfair to all consumers who are trying to improve our credit scores. That is why I previously submitted a complaint on wanting to know how the point system works? It is absolutely ridiculous!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. The accounts below have violated my rights 1. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX, Account Number : XXXX XXXX. ) Account Name : XXXX XXXX  XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under 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 an account without my written instructions
Product: Credit card or prepaid card

On XX/XX/2020, my Citi Premier Card was used by someone unauthorized to make purchases at a XXXX XXXX for the amounts of {$1500.00} twice. I never received a fraud notification via email, and it was not until I check my statement online that I found those transactions posted. I called Citi Bank immediately to report them as fraud given that my credit card was nowhere to be found. Citibank started the process of investigation on these transactions, and about three weeks later they concluded that due to a confirmation of an email verification being sent to me the day those transactions were made, they denied crediting my account for those amounts, therefore, I will be held liable for them. 

I explained via phone call and email that I never confirmed such email verification, and that I've been having some problems with my email since I was being subject of hacking to my personal laptop. They continue to deny the claim and they refuse to help me appeal it. I have written an email to the operations manager, and called many times explaining my situation BUT all they say is that the case is closed and that I will be responsible to pay for those transactions. Ultimately, every time I call they leave me waiting on the phone for long periods of time, and basically there is no other option for them to offer at this time. PLEASE HELP!
Product: Checking or savings account

On Tuesday XX/XX/year> I was fraudulently charged 2 charges- XXXX of {$99.00} and another of {$99.00} at a random south Ga gas station without my authorization. I was at home and my phone notified me of these charges and I immediately locked my card. 
I filed a dispute with chime and ordered a new card. They gave no temporary money. 
After a 20 day investigation they denied my claim and said the charge was authorized and they would not be refunding me for the charges. 
I called them on the phone to ask for the investigation report and the criteria by which they conducted this investigation. I was never provided with who the investigators were or the criteria used for investigating such an investigation.

received a 1 page report that said essentially that the charge was declared valid and that was all.

I called them back upon receiving this report and asked to reopen the investigation. I gave a verbal report which the banker on the phone put me on hold to submit. I asked if I would be receiving an email confirmation of the open inquiry and investigation, I never did.

I received another email 2 days later saying that the original decision stands and they would be closing the investigation.

Chime bank would not protect me against fraudulent activity and I am out almost {$200.00}.

I experienced true fraud and 2 unauthorized charges on my debit card from somewhere not close to me or anywhere I have ever even been. If I hadnt locked my card I am certain I would be out an even higher amount than I currently am.
Product: Credit reporting or other personal consumer reports

This is my several endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked Transunion to remove the XXXX XXXX XXXX inquiry and they have not done so yet. This inquiry is not mine and I do not recall any inquiries with this company. I need Transunion to remove this inquiry asap. This is negatively affecting my credit score.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please permanently remove all XXXX Alerts on my credit report. I do not want it.
Product: Debt collection

I am disputing the collection account with CAP ONE account number XXXX, dated XX/XX/2018, with a balance of {$2700.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that CAP ONE, provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX
Product: Vehicle loan or lease

I bought a new car in XXXX of XXXX. I was financed through BMO Harris Bank from the dealership. I have a high credit score so financing was not a problem. After obtaining the car and the loan, the vehicle was totaled on XX/XX/XXXX. My insurance company and gap coverage was more than enough to cover the entirety of the loan. In XX/XX/XXXX, I sent a full payment to BMO because I knew that it would take time to get the payments from the other financial institutions to take care of the loan lien. In XX/XX/XXXX, My insurance company sent all but about {$1500.00} to BMO for the loan payoff and the rest was to come from the gap insurance refund. I told BMO that that payment could take 14-16 weeks, but that their payment was on the way. In the mean time, I received call after call, day after day, from the loan payment center wanting me to make a payment. I explained my case several times and even had it verified that my loan was in the total loss department and that they were just waiting for that last payment from gap. When BMO would call, they would harass me about the payment and threaten me at my job. I had to block them from calling my job, as I was going to be fired for the harassment. I had explained in multiple phone calls that their payment would be there around the end of XXXX. Several people that I talked to from the total loss department were fine with that and had noted the account. On XX/XX/XXXX, I saw that BMO Harris Bank hit my credit with a 30 and 60 day late mark. When looking up the financial side, they received a payment in XXXX for $ XXXX and change, another payment in XX/XX/XXXX for about {$1500.00} and they were still waiting on gap. There should be no reason they mark my credit for being late when they were receiving payments. They are a huge scam. I have done everything I can to honor the contract I have with BMO and have been on everyone to send the payments in a reasonable amount of time. When you do have questions, or you want to talk to someone about what is going on, there is no real person to talk to. Half the time when they called for payment and I would answer the phone, nobody was there and they would hang up. When I finally got ahold of someone in the total loss department to tell them what is happening, their response was " Oh yeah, you get put on an automatic dialer, so that happens a lot and there's nothing we can do about it ''. I am waiting for the last of the money to be sent to them, which they will then owe me around $ XXXX when its all done, I don't trust that they will actually send it. When gap has tried to reach out because all they needed to send the money was an address and no-one has reached back out to them for BMO. What a horrible company and way to do business. I will never recommend BMO for any reason.
Product: Credit reporting or other personal consumer reports

The Amounts are over inflated, filled with out our knowledge, and all the mortgages filled on my behalf, were paid in full through third party closing title companies. 

The individual who I did borrow monies from was paid back in full for all debts owed by myself or my company. 

There are XXXX properties involved that were all purchased cash, and I hold the deed and title to my property. 

This lender XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instructed Title Closing Companies to withdraw most or ALL FUNDS from our XXXX XXXX. XXXX XXXX XXXX furnished in the later part of XXXX a loan statement that provided numbers from XXXX. ( none of these numbers are correct on this report and the report does not even list the property addresses, and amounts paid towards balances. Seven months of loan documents were not even provided. 

Through extensive research on my part, I have obtained all Checks associated and all closing documents from 3rd parties. These findings are unbelievable! I have been taken by a XXXX XXXX XXXX 

I am now being served " NOTICE OF SEIZURE '' to leave my Homes that are paid in Full. Been everywhere with this horrific situation. XXXX XXXX XXXX VIOLATED MY ANTI TRUST LAW acting on my behalf as my ATTORNEY, LENDER, REALTOR AND TITLE INSURANCE PROVIDER filling FRAUDULANT DOCUMENTS ON MY BEHALF XXXX XXXX XXXX WAS RELEASING TITLE FOR THE SALE OF MY HOMES UPON COMPLETION BUT NOT RELEASING A DEBT NOT OWED ANY FURTHER.