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

I got a loan from Chrysler Capital XX/XX/XXXX for what I thought was {$29000.00} for a XXXX XXXX XXXX XXXXXXXX XXXX XXXX  with XXXX miles, from XXXX XXXX XXXX XXXX PA. I received my payment information from Chrysler and it stated that my loan is for {$39000.00}. I called them in XXXX and was told they will email my contact. Called in XXXX, same thing. Called again in XXXX and spoke with someone and he said the $ XXXX extra was from add ons. I said I never added anything he said that they could give the money back but they could subtract it from my loan and that hed email my contract for me to review and get back with them on the discrepancies. That email never came. I called again in XXXX was told it would be emailed. I called again in XXXX and was told it would be emailed at that time. I told the lady well XXXX wait on the phone while you email it and when it comes through, XXXX let them know. She told me to hold on then she came back and said we are not able to email you your service agreement in your contract I said well why have I been told this for XXXX amount of months since I bought the vehicle she said she didnt know and she told me she was going to email it also now she said XXXX gon na put it in the mail and will mail it out to me and we are now in the end of XXXX going into XXXX and its gon na be close to a year that I still dont have my contract. Ive went on there website where I make my payment and Ive made complaints there about it with no resolution so I told them when I filed my second complaint that Im just gon na go through the CFPB and file my complaint that way because I dont know why its so hard for a company just to give me my contract so I know what I was charging an extra {$10000.00} for and Ive been trying to do this since I bought the vehicle XX/XX/XXXX of XXXX. I make my payments on time every month to them, but they dont feel they need to send me what I need.
Product: Mortgage

This is basically an extension of my previous complaint with the CFPB about this company. After closing my last complaint SPS did send correspondence to me asking for identifying information ( ID, Birth certificate, proof of residency ) which i feel is reasonable so i went ahead and submitted those documents via their website on XX/XX/19. Today in my mail box i receive a letter stating that i must have a signed quit claim or grant deed giving me the property as per california law. This is NOT what the law says is required to be declared " successor in interest ''. Im tired of typing this. This company is shady or run by morons. I do not have to have a signed grant deed giving me the property. GIve me a break, ive sent them my ID, my birth certificate showing XXXX and XXXX XXXX are my parents, a copy of the will 3 times clearly stating that i am the intended heir of the property, proof of my address showing that I live here, ive lived here for most my life, and there is absolutely nobody else trying to claim that they are the successor in interest besides me. There is nothing to dispute here. SPS needs to stop playing games and declare me the successor so that i can apply for mortgage relief. I feel they are deliberately slow playing and delaying the process so that they can foreclose on my family 's home. Which is likely their get down in business ... make predatory loans to elderly XXXX people when the housing market was so inflated that it actually gave a XXXX loan on this XXXX that aint worth XXXX knowing they will collect revenue for a good 15 years or so, then the people die and they move in and foreclose, sell it again and again and again. I can not be the first person theyve done this XXXX to. thank you
Product: Credit reporting or other personal consumer reports

Experian is reporting an account on my consumer profile from XXXX XXXXXXXX XXXX XXXX as verified and accurate. Attached is the documentation for proof of inaccuracies on my consumer report.
Product: Mortgage

I received a denial for loan modification today and was also not allowed to resume payments through that process. I was placed into a modification for XXXX 2017 until XX/XX/XXXX. I included in my hardship letter I was forced to retire and I was waiting for my income to kick back in and needed a foreberance for at least 6 months. Ive been maintaing the upkeep of my house and have lived here for 39 years raising my son. I was told that even if I submit a second request appeal they would still deny reinstatement to make monthly payments. They have now included foreclosure attorney fees which I dont feel should have been added because Ive explained my hardship, when I could resume making payments and that I dont want my son or myself to become homeless by losing my family home. There was money sent in XXXX 2017 towards the monthly payment but it was returned because I was {$230.00} short of monthly payment. I was soon able to send the rest but my file was then sent to a foreclosure attorney.
Product: Credit card

Synchrony bank offered a no-interest for 6 months credit card ( as long as you make payments on time ), but never mailed me a bill before a payment was due! They 're trying to weasel out of the deal by causing people to make late payments who would otherwise pay on time if they received the bill on time.
Product: Student loan

Back in XX/XX/XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XX/XX/XXXX ; however, the school was shut down and no longer accredited. Step 2 : What type of problem are you having? I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XX/XX/XXXX,  currently back in school pursuing another degree at a XXXX  college. Step 3 : What happened? The Board of Education did not recognize XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. Step 4 : What company is this complaint about? XXXX XXXX, CA Step 5 : Who are the people involved? I currently owe money to NAVIET ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), credit reporting agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I requested verification of account with this credit reporting agency on in writing on multiple occasions. These requests were sent by certified mail ( I have attached the receipts with tracking information ) on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Despite 4 written requests over the span of a year, the unverified items are still listed on the report and the reporting agency has gone so far to claim the items are verified without garnishing physical verification of the original signed consumer contract, or any verification documents at all for that matter. This credit reporting agency has had over a year to produce the documents that they are legally required to provide to me. 

If this agency does not have a copy of original documentation ( a contract with my signature on it ) as required under Sections 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Further more, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). 

This organization has violated 3 different sections of the Fair Credit Reporting Act, and has had over a year to produce these documents. They clearly are not in possession of any proof of the validity of these documents and continue to present this false information to my credits. 

This is illegal and defamatory. This credit reporting agency is INTENTIONALLY violating the law. Opening a dispute with the CFPB is my last hope/resort before being forced to file a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX XXXX XXXX XXXX that they are inaccurately reporting that I was late from XX/XX/XXXX - XX/XX/XXXX I have asked them to provide me with proof of these late reportings. They have not provide this information to me. I have never been late from XX/XX/XXXX - XX/XX/XXXX. Please assist me in getting these late reportings removed from my credit file.
Product: Credit card

I had a disputed charge on my card for {$1000.00} with amazon, Citi Card put in a temporary credit until the dispute was resolved. The Dispute was resolved and XXXX gave me my credit. I then noticed online that the dispute was still open and informed Citi it was resolved, so the manually reverse the temporary credit. Several weeks letter, I received a letter from Citi that the dispute was resolved and they would reverse the credit, I called them and told it was already reversed. They said, I was correct and to ignore the letter. XXXX days later I noticed my account had the temporary credit was reversed a second time. So now I 'm out XXXX dollars, I 've connected Citi mulitple times to correct the mistake on there end but have been getting the run around. First they told me I 'd get the XXXX put back in XXXX days, I waited, then called again and told XXXX days, I waited, then told XXXX business days. I 've been getting the run around and still out the XXXX dollars.
Product: Credit card or prepaid card

This is an addendum to initial COMPLAINT ID # XXXX submitted on XX/XX/2023. The fraudulent charge of {$76.00} was denied being charged by the vendor in XXXX, refunded on XX/XX/XXXX ( no thanks to Barkleys ) to the original card ending in XXXX, by XXXX XXXX, XXXX ( see attached invoice ). The XXXX account was closed by Barkleys in XXXX as they deemed the {$76.00} a fraudulent charge.To date, and after several long phone calls, they have not been able to link the refund to the new account number they issued and are charging us interest and late fees. The fact Barkleys fraud branch lacks the intellect and expertise to manage and investigate their own Rewards Program is a telling indictment on the creditability of the entire corporation. The incompetence and ineptitude demonstrated by this group is something I have never experienced previously. They do however, excel in victimizing the victim. I was victimized by their inability to discover the origins of the fraud charge during my two months of investigating. I was further victimized by adding a late fee to the fraudulent charge, then an interest charge and finally being reported to the credit bureaus for failure to pay the fraudulent charge. They are outstanding at piling on the victim, but offer no helpful assistance whatsoever! This is text-book worthy failure. I recommend Barkleys contact XXXX XXXX  for instructions on how to conduct fraud research!
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report, and there is information that I feel is incorrect. This information has been on my credit for a long time, and it should not be there. 
I am asking to remove this one address from my credit report because I have never lived there and this address never belong to me or my family. 
XXXX XXXX XXXX XXXX, XXXX, FL XXXX please remove as soon as possible That should not be on my credit report, and I should at least be able to say that I am disagreeing with them. Please make these changes immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was under a joint rental agreement with XXXX XXXX, that first became delinquent on XX/XX/2015. The amount was approximately {$2800.00} it has been under a collection account XXXX XXXX XXXX ever since. XXXX XXXX XXXX is listed as currently owing {$6900.00}. A couple weeks ago they added a duplicate of the account under the name XXXX XXXX, but for XXXX, and as an individual account rather than joint and listed it as though its a new debt and as though I agreed to a pay schedule so it looks like I now have late payments. 

XXXX XXXX is the property management company I rented the house from and XXXX XXXX is the owner of the house. 

I never agreed with the debt to begin with because our deposit would have covered the last months rent, I also never agreed to the lease extension, lastly the house was falling apart so I do not agree with the damages they claim I am responsible for. 

I have already disputed this with the credit bureaus and they refuse to remove the false information.
Product: Credit card or prepaid card

XX/XX/2016 I was in XXXX and was told that I was purchasing a vacation package that included a certain amount of vacation packages at a deeply discounted price, {$190.00} to {$290.00} per week. I never received any paperwork in the mail as I was supposed to. I tried numerous times to contact the company and could never reach anyone. I finally received a membership card to XXXX XXXX XXXX XXXX. I called them and they have no record of the vacations that I purchased. I then tried to dispute with Bank of America who charged me the {$3600.00} plus a {$100.00} foreign transaction fee. I got denied because they said I did not provide all the information that they asked of me, however, I sent them everything they asked for and eventually they found what I sent. They reopened the dispute and then I never heard anything. Now this month I see that the charge is out of dispute and due and I never got any reasons or response from Bank of America. I have received absolutely nothing for the {$3700.00} I was charged by XXXX XXXX and Bank of America has been no help at all.
Product: Mortgage

I had a HELOC with PNC Bank that was nearing the end of the drawdown period. It was interest only repayment loan. In XXXX, I asked loan officer XXXX XXXX to extend the drawdown period with same interest only payment. After not hearing back for 10 days, I went to the branch and found he was no longer employed. I asked for all my documents back, and they could not be found. Which is pretty concerning. I was contacted the next day by the manager, and found my request was sent to another LO XXXX XXXX. He never spoke to me or asked what I was looking to do ; only emailed me more requests for documents. Then in XXXX I found out my HELOC was refinanced into an interest and principal repayment loan. Not what I requested. I spoke with XXXX XXXX and XXXX XXXX, who are in the PNC Executive Client Relations Dept. I explained how my case was mishandled ; from losing all my documents, to no communication with the Loan Officer, to refinancing my loan into terms I did not request, and was told there is nothing they can do other than I try and refinance again. I am currently going through the process again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a hard inquiry via XXXX XXXX on XXXX XXXX, 2017. This will be the second time that credit card accounts have been attempted to be created in my name. even after contacting XXXX XXXX several times over the course of a couple of years, they have been no help. XXXX XXXX told me that it is not their problem and that I should contact all of the credit bureaus to fix their mistake. I then called Transunion only to be told that I needed to contact XXXX XXXX for them to fix the issue. I have never once done any business with XXXX XXXX in my life. I need some sort of assistance to get this inquiry off of my credit score.
Product: Credit reporting or other personal consumer reports

The XXXX  should not on my credit report
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$480.00} with PORTFOLIO RECOVERY ASSOCIATES, PORTFOLIO RECOVERY ASSOCIATES Account Number : XXXX I do not have a contract with PORTFOLIO RECOVERY ASSOCIATES, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Debt collection

XXXX XXXX XXXX on numerous occasions violated State laws, in relations to statutes of limitations on debt collection, by illegally garnishing my wages for debt which he knows is 20 years old, and has exceeded the statutes of limitations not only in the State of Michigan but in any state in the United States.

On or about XX/XX/2019 XXXX XXXX XXXX knowingly and willingly made false statement and presented fabricated documentation to the State of Michigan 10th Judicial District Judicial Circuit in order to obtain a request and writ for garnishment ( periodic ) for a debt which he has been trying to collect for his client ( XXXX XXXX XXXX as assignee of XXXX XXXX XXXX ( XXXX ) XXXX for the past 10 years.

As of XX/XX/2019, XXXX XXXX XXXX through fraud, deceit and violating state laws on statutes of limitation on debt collection, has wrongfully collected a sum total of {$3500.00} in wage garnishments. Mr. XXXX deceptive and ruthless debt collection practices are an erosion to the laws and the judicial system at large. XXXX XXXX XXXX sued me in a stated in which I do not reside in.
Product: Credit card or prepaid card

i already have an acct with capital one. i was approved for another credit card. they then restricted both accts. they asked for XXXX months bank statement. I uploaded it. they didn't review it for an entire mth, so they refused to unrestrict it until i sent XXXX to XXXX statement they asked for another bank statement for XXXX to XXXX after they advised me XXXX to XXXX would be useless because its not the latest statement. I uploaded it. they now called and stated they want a bank statement from 3 mths ago now. I have supplied them pay stubs and bank statements multiple times and they refuse to unrestrict both my credit card accts after they verified my identity. it clearly isn't fraud
Product: Credit card or prepaid card

On going disputes with GM Card Marcus by Goldman Sachs since XXXX of 2022 because of fraudulent charges for {$290.00}. I have contacted XXXX with XXXX. I have documents that has a females name and a foreign email address.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act-The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 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 has violated my rights.

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 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 r4eport by more than seven years.

15 U.S.C 1681 a-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: Mortgage

I want to bring the the CFPB 's attention a mailing advertisement that is highly misleading, as it uses official language and symbols, promises that they can recover lost money, and tells people that they must act quickly. Only in the fine print do you realize it is from a mortgage company. This ad is meant to deceive.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX  XXXX  REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have tried to work with the Upgrade to get back the {$200.00} that I reported to them that was taken from my account when the withdrawal did not even occur. I reported an ATM withdrawal error and have not received a refund. I would hope they could resolve this and get the funds back to me as soon as possible.
Product: Debt collection

On XX/XX/2018 I received a letter ( dated XX/XX/2018 ) in the mail from Convergent Outsourcing Inc. I opened it and found myself equal parts surprised, confused, and a little scared. The letter stated that they were a collection agency attempting to collect a debt. I found this very odd as I have a good credit score and pay all my bills. I looked at the amount ( {$330.00} ), and the original company claiming the debt ( XXXX ). I instantly became suspicious as I have only used the account once, which was several years ago. I checked my XXXX account. It confirmed that my account balance was indeed {$0.00} and that the last activity was years ago. I`m going to attempt to contact Convergent, but after a quick google search pointing to a scam, I`m apprehensive to deal with them. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the removal of my Credit Freeze from all 3 credit reports Trans Union, XXXX XXXX. I am in the process of buying a home and I need access to my files asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<