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

Well hard to describe specifics but for example Sence I never get the correct information from the bank phone or the branches I am told by bank phone to visit a branch to get help to get my account service when go to branch they refused to help me with no explanation and when I confront both one saids I don't know why they told you this and that and I get that same answer or excuse from both ends blaming each other but I catch my self going in circles and doing what they ask me to do believing they are going to help me and never get help and answers I need I fill like a puppet other words like they are playing a game with because it had happened very many times I drive far to visit a branch I spend gas money that I don't have and time and effort and I keep telling them how hard it was for me to visit a branch and they still continue to do it and I still haven't gotten the assistance that I need when complain about it some agents laugh at me like is funny and I have lots more to discuss but is to much I need to speak to someone to express all complaints is to much to write I can write a book about it
Product: Vehicle loan or lease

This is about LENDMARK FINANCIAL in XXXX, California This is the 2nd time this company lied and went back on what they told me. The first time is when I got the loan, XXXX told me after 1 year, I could refinance. I made my payments on time ( even paid before the due date ) and 1 year later when I wanted to refinance, he told me they don't refinance. Now, the household has been affected by covid, and XXXX said they are giving their CUSTOMERS relief by refinancing the loans and first payment not due until XXXX. She also stated that she needed a correct number to send a text to for a link to sign documents. She said I wouldn't need to submit anything else, and she'd call me back in half hour to 40 minutes. I ended up calling back an hour and a half later, at this time she told me she couldn't do it because i would have to come into the office to sign papers, i reminded her she said they could be done online like she stated about a link sent in text, then asked what if we came into the office. She then said because we don't live there, their company won't do it. She then said she could send me the papers via email to sign for a deferment, when asked if it will affect us, she said it wouldn't, it would just show a late payment on our credit. Which affects us! I reminded her I AM a customer, and this virus is Nationwide, I was sent the deferment by email, I already called the main office, am told up to 5 days for someone to contact me, the loan is due today! They sent documents via email, there's no reason they can not do the refinance online as XXXX said they could initially. I AM a customer, I have paid my car note for almost 2 years now! Never being late! We are affected by covid 19! We do not want a late payment on our credit! I want this taken care of today and refinance the loan with no payment due until XXXX as told by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I sent a letter, return receipt requested, to Transunion XXXX XXXX, XXXX and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from Transunion and they only addressed one of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list three collections when they are inaccurate or invalid.
Product: Credit reporting

My " unconfirmed '' Chapter XXXX was dismissed. 
I changed my mind and the attorney cancelled my case. 
Please see attached documentation.
Product: Debt collection

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/2019, XX/XX/2019 asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statute of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.
Product: Credit reporting or other personal consumer reports

I received a letter in the mail stating that a card was opened in my name at " XXXX ''. I did not apply for this card and promptly called Comenity to let them know that this is fraud and not me. I later received the " card '' and notified of the {$1400.00} balance that I did not charge.They said they would investigate. I called back several times and made no progress. They said they had 90 days to investigate. They said that the money was spent at a store in XXXX and the store had 90 days to get them info. I called the store in an attempt to expedite the process and the manager had no knowledge. I called Comenity Bank back and they said that they don't contact the store to investigate. They don't seem to know their investigation process. I followed up by writing letters and spending {$30.00} to mail documents to credit bureaus so they could investigate per the information on the FTC XXXX XXXX XXXX XXXX, and XXXX XXXX Today, I got a letter in the mail stating that the account is factual according to XXXX. It is NOT!! XXXX and XXXX removed the false information from my credit report. It seems to me that someone could look at my credit report and see that I did not need to open a card and max it out in the same day. I could have used one of my other cards with a lower interest rate if I wanted to make the purchase. This is not me and if it is not remedied then I will be looking for an attorney. I have worked years to have good credit and now I have spent 3 months of time, effort, and certified mail to remove something that shouldn't be on my credit. Ironically, this same person who was extended the credit with Comenity also applied for credit at XXXX XXXX and Big Lots and they were denied so that leaves me wondering if Comenity extended credit with inaccurate information.
Product: Credit reporting

Experian has negative account information listed XXXX and XXXX. These are not my accounts. I do not owe these companies any money.
Product: Vehicle loan or lease

Hyundai Finance is not providing the title information to the appropriate agency so that I can register the vehicle in my new home state of XXXX. I was previously in XXXX. This is a particularly time sensitive issue because I am not able to obtain a parking permit to park on the street until I have XXXX tags on my vehicle. I first submitted the request and appropriate information on XX/XX/2022. They said that it would take 10 business days to get the information to the appropriate agency in XXXX. I followed up again on XX/XX/2022, and they stated it was in progress. I contacted them again on XX/XX/2022 again stating it was in progress and takes 10 business days, but that it didn't get entered into the system until XX/XX/XXXX. I reiterated that the request was submitted per Hyundai Finance secure email on XX/XX/XXXX and that it needed to happen asap so I can obtain my parking permit. I called once again on XX/XX/2022 at which point the call was forwarded to a manager, and they said they would try to get it done as soon as possible. As of Friday, XX/XX/2022, the title information still had not been received by the appropriate agency in XXXX. This is truly unacceptable in general. I will now have to pay XXXX  XXXXday to park in a garage because I don't have any more temporary parking permits available to me until XXXX.
Product: Credit reporting or other personal consumer reports

Requesting for all 3 Credit Agencies to update my Personal Information. It appears that as of 30 days ago my legal name XXXX XXXX is not listed on my credit report. As if an unauthorized individual hired a 3rd credit agency to update my personal information without my consent. I do not work with any 3rd party credit agency to resolve any credit issues. I personally work on my own credit disputes. It appears that someone has access to my personal information and tampered with my credit and personal information. I need my credit report to reflect my legal last name since I am still currently married and have not changed my legal name. It remains as is XXXX XXXX. All other XXXX are listed such as XXXX XXXX. The credit agencies received numerous disputes to resolve this issue. The credit report must be accurate to cross reference marital legsl name and birth name. Please notify all 3 credit agencies to update and resolve the names that are listed which the credit report should reflect XXXX XXXX, XXXX XXXX and last but not least which is the current legal name XXXX XXXX. Thank you
Product: Credit reporting, credit repair services, 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, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of XXXX XXXXXXXX XXXX XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Mortgage

My complaint is with the CFPD. I wrote to you in a lengthily letter about PNC Bank. I had to use my retirement money to pay off the loan to stop the interest accumulation. They had no clue what they were doing and could not give me a payoff with an explanation for 10 months. The supervisor I spoke to even admitted in his 35 years in banking he never dealt with anything like this. They were supposed to be the experts and I was supposed to be the consumer that was able to rely on there advice. Their advice was dont worry about the interest it goes to the back of the loan and if you pay off the loan you wont pay that interest. This turned out to be untrue In addition to using my retirement money it cost me {$15000.00} in interest. On the last day of the 60 days they had to respond they sent you a letter saying they checked everything and it was OK. You just excepted their response and close the claim. I thought you were a consumer protection agency not a bank protection agency. I am now writing to ask you to contact PNC Bank and request they refund my interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to said companies several times about the inaccurate information being reported on my report. 
In accordance with the Fair credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) 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 7 years.

15 U.S.C. 1681s-2 states a person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in removing negative reporting activity associated with the company XXXX XXXX account number XXXX from my credit report. This request is being made pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ), codified at 15 U.S.C. 1681c-2, which provides protections for consumers in cases of inaccuracies or disputes. 

The matter in question has already been disputed directly with XXXX XXXX, but their failure to address it appropriately has caused continued harm to my credit profile. The inaccurate reporting has led to the following consequences : Denial of credit applications. 
Embarrassment and damage to my reputation and my mental health. 

The negative reporting is not only unjustified but also a violation of my rights under the FCRA. In accordance with Section 605B, I respectfully request the removal of all negative entries related to this matter from my credit report. 

Thank you for your assistance in protecting my consumer rights and ensuring the accuracy of my credit report.
Product: Mortgage

The intent of this complaint is to force the apathetic Specialized Loan Services ( SLS ) to do the right thing and correct the errors they acknowledged making. 

Our relationship with SLS began XX/XX/XXXX when we refinanced our home. As is typical refinance protocol, we provided all required documents -- including proof of dwelling and homeowners insurance -- to finalize the agreement. Since XX/XX/XXXX, we have received daily harassing calls from Specialized Loan Services ' ( SLS ) Collection Department due to an unwarranted impound account created because of internal clerical errors surrounding alleged lack of dwelling and homeowners insurance. As a result of the impound account, our monthly mortgage was increased to cover the cost of said insurance. Because we had recently provided proof of insurance at the close of refinance and because we knew this was an error, we continued to pay our mortgage as agreed sans the increased impound amount. 

As proven through various communications starting from the first notice and including most recently, through the XXXX XXXX XXXX, we have always maintained insurance. That said, in a letter dated XX/XX/XXXX ( attached ) SLS finally acknowledged their error stating their intent to immediately correct the errors and reverse the negative marks to credit reporting agencies. Thirty days later, I still receive harassing calls and our credit has not been fixed. As recently as Friday, XX/XX/XXXX, SLS confirmed they would look into the lack of progress and then on Monday, XX/XX/XXXX, they confirmed they could not find the letters and another investigation would be opened. 

Please know, SLS ' disinterested response and lack of action has caused much distress and become a huge financial burden to my family because of high interest rates and loan denials over the past two years. We have always worked diligently to pay our debt as agreed to however much of the payments go to pay interest as opposed to principal. 
We can not continue this vicious circle of high interest rate. 

Our goal with the letter is to once and for all force SLS to fix the errors internally and with the Credit Reporting Agencies.
Product: Debt or credit management

Beyond Finance and I went into a contract back on XX/XX/XXXX to relieve debt accrued over the pandemic to XXXX XXXX and XXXX XXXX  in the total amount being around XXXX. I was told bank settlements usually take 6-9 months on average. XXXX issued a summons for me a year and a half later. Beyond Finance explained ( this is all recorded ) that my monthly contribution was going to increase from {$440.00} to well over a XXXX a month. I was then advised to go to XXXX XXXX to take over the debt. I was told this was my only option if I wanted to avoid court if I didn't have the money to give them now. I called Beyond Finance on XX/XX/XXXX and asked them the amount I needed to give them to end our relationship. I was quoted {$22000.00}. I made sure that this would end my debt and relationship with them. They agreed that this settles the account in its entirety. I stopped my biweekly payments to them at that time because I was told they were no longer needed. In XXXX a person showed up to my father 's house with a summons for me prompting me to call Beyond Finance. They told me they would not close the account unless I gave them another {$3500.00}. I spoke with a manager who assured me it would be taken care of. Her name is XXXX. 

No movement is being made, my credit score is completely shattered, and Beyond Finance has told me since XXXX that it would be finished the next week over and over. During this time I have received multiple harassing phone calls demanding more money or the account will not be paid off. 

I spoke with XXXX at Beyond Finance on Friday XX/XX/XXXX and she assured me it would be done this week. 

I have filed a complaint with the XXXX XXXX XXXX  case # XXXX. Beyond Finance has yet to respond to the XXXX  and is refusing to pay XXXX XXXX  after my final deposit. I can't get them to do their job so I'm hoping for help as my credit score is tanking and I can't do anything about it
Product: Vehicle loan or lease

on XX/XX/18 I purchased a used vehicle from XXXX XXXX XXXX. I was sold a 2017 XXXX XXXX. My purchase contract states that I purchased a vehicle with no additional warranty, even though I financed and paid several thousand dollars for my warranty. The company pressured me to roll in more onto the loan than the value of the car. My information on my disclosures and purchase contract does not align with any of the information or financing that was agreed to. The vehicle I was pressured to purchase now has been wrecked and not disclosed so I am filing a complaint with Indiana State for possible Dealer Fraud as I was also provided a XXXX XXXX free of any accidents and the car has substantial damage to it covered up prior to sale. This compilation of ineptitude, and conspiracy has me with a higher rate auto loan, a car only 3 months old that has massive damage to it and much extenuating costs associated with financing and auto ownership. I have given them multiple opportunities to buy back the vehicle or to simply repair the car and bring it to par. Their answer was to accuse me of fraud and of wrecking the car since purchase. It's a horrific situation and one that can not be fixed by me alone. My credit report equally shows they did not properly pay off my auto loan as is required by law.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, and my personal data has been used and purchased through early warning
Product: Checking or savings account

Second missing check XXXX withdrawn on XX/XX/2023 This is in addition to the complaint # XXXX for the missing check from bank of america account number XXXX. We got confirmation from the account owner of the XXXX Banks that the second check of XX/XX/2023 also did not go through. We have canlled the bill pay 'auto service ' for all future transactions. We have raised an online 'payment inquiry ' with and will be speaking about this payment also with the contact who was forwarded the first complaint : XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX to XXXXXXXX XXXX XXXX XXXX XXXX : ( XXXX ) XXXXXXXX XXXX XXXX The total refund needed is now XXXX ( XX/XX/2023 ) and XXXX ( XX/XX/2023 ) = XXXX US. 

Regards, XXXX XXXX