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

I applied for a auto loan from credit acceptance in XXXX. My loan end when my car was totaled from a accident XXXX. My gap insurance paid the remaining balance of the loan and the account was supposed to be closed and paid. All these years it has never been a problem until now.
Product: Debt collection

XXXXSynchrony Bank changed my account billing preferences to " paperless billing '' without my consent. I have a screen shot as documentation of this change to my account. This resulted in no bills being sent to my home. Synchrony Bank reported my account delinquent to the credit bureau and cancelled my credit card when the payment was only XXXX days past the due date. I never received a letter or call about the alleged account delinquency. I have had this account since XXXX with exceptional payment history and have a XXXX XXXX XXXX of over XXXX. When I called Synchrony Bank on XX/XX/XXXX after my card was declined in a XXXX XXXX  store, the representative with whom I spoke was very rude and would not provide all the details about billing I requested. The balance on my account has been increased from {$160.00} to {$200.00} due to late fees and interest. My reason for this complaint to CFPB is due to Synchrony Bank changing my billing preferences without my consent, not sending me bills or any letter stating my account was delinquent. This is simply an unfair business practice and a very poor way to treat a customer of over XXXX  years who has exceptional credit history.
Product: Bank account or service

This last year my identity was stolen. The person who stole my identity tried to open a bank account with the XXXX XXXX XXXX. Now my file with Chexsystems has suspect fraud activity attached to it. I am trying to open up a health saving account, and I am unable to do so because this fraud is attached to my name.
Product: Debt collection

Upon review of my recent credit report, I noticed a negative collections account reported by DNF Associates that I have no knowledge of. I have never received any correspondence via mail, phone or email to dispute any collection accounts. To resolve this matter, I sent a dispute letter to DNF Associates on XX/XX/2023, and over 30 days has passed with no response.By not replying in a timely manner to my initial letter on XX/XX/2023 DNF Associates have not only violated federal law, but have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. DNF Associates have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts. I would like this negative item removed immediately from my credit report.
Product: Credit card or prepaid card

Hello I have a Citi card - In my XXXX statement payable on XX/XX/2020 I had a balance of XXXX. On XX/XX/2020 I had a refund of {$980.00} from the airline for a cancelled ticket and this was credited to my credit card account. As this was credited before the bill payment date and the amount was more than the bill amount - we expected this to be a payment received before the due date and did not pay anything more towards this bill. We were surprised to find a late payment fee of {$29.00} being charged on XX/XX/2020 - we called the card company and they said even if other credits are there, she has to pay the minimum amount to avoid the late fees. After much argument they agreed to reverse the entry. Today I used the card in a store and it was rejected. On calling the Card company, we were told that the card has been inactivated as no minimum payment was received. We have made the minimum payment now. We felt this was an unfair trade practice and would like to complain against this. Request you to take action so that it does not happen in the future. Thanking you
Product: Student loan

To whom it may concern : I am writing because 2 weeks ago I spoke with a Representative who informed me that my late fees ( over {$700.00} ) could not be retracted. The problem is that I was awaiting paperwork that was never sent. After speaking with the representative she informed me that my account was set-up for 'online ' and she apologized. My concern is that I was receiving other correspondences from Navient so how all of a sudden did it stop? She could not answer that. The end result was that I would incur the over {$700.00} in late fees and any other fees deemed to my account. 

I am a part-time working mother who makes {$20000.00} Per year at best. I am currently completing paperwork for an Income-Driven Repayment schedule. I have had difficulties been repaying these loans due largely to my son 's XXXX   XXXX that has caused him to be in the hospital several times and requires me to be readily available to his school. This has hindered my financial capabilities immensely. 

I have worked in the XXXX XXXX XXXX fields my entire career and I have not been able to live and afford these loans .... meaning my degree seems not to have benefitted me a great deal. I have been trying to do the right thing by keeping up with not going into default but for Navient to charge me continuously outrageous fees is unfair especially in this case because I was not at fault. 

It's so hard for working parents and ten times as difficult when you are raising a child with XXXX. I am requesting that ANY and ALL late fees be removed from my account. 

Please let me know of the findings and result after your investigation and decision. 

Thanking you in advance, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the following accounts and inquiries from my credit report in accordance with 15 USC XXXX ( a ) and FCRA XXXX ( b ). As a victim of a data breach, these items are fraudulent and must be removed promptly. 
Accounts : XXXX. XXXX - XXXX - XX/XX/XXXX - {$8800.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$98.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$220.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$23000.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$990.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$290.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX. XXXX XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX
Product: Mortgage

XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.
Product: Mortgage

I Still have not had any response to my previous email ( attached ) and im wondering why basically.??? This missing documents not scanned or received thing that i have experienced now for about 1 year and a half to 2 years is actually very concerning especially for a BANK. Id like a upper Manager to review all the inconsistencies in how poorly Truist has handled my mother XXXX XXXX XXXX and my father XXXX XXXX XXXX mortgage account. They are looking down from above on all of this and I know they would not be happy customers or what you. 've put me through. I notified TRUIST on XX/XX/year> about a mailing I finally received ( The very first correspondence ever received at the property address to my Mother that said the mortgage was in default. I called as I just opened the mail and at that time found out that ALL MY MOTHERS CONTACT INFORMATION INCLUDING THE MAILING ADDRESS had been CHANGED. I want to know WHY. This process has been a constant you can talk to me im on the account, then im not on the account, then a notary to the property address to verify my identity, then you can talk to me and then you cant talk to me. The patriot act form the notary prepared then was requested again. After you already said you had it. The fraud investigator was involved said id no longer have any issue talking on the loan, then that wasnt the case at all. Its been Truist basically losing documents, unscanned, I was asked for the Death Certificate 2 months ago. i sent that several times over 5 times XX/XX/year>. I have phone recordings of Truist saying your working on the case, only to be followed by I call and told you cant talk to me. 

This has gone on long enough, the non reply the previous email is just another example of the lack of communication and further delays. Im doing my best losing my Mother and Father, but I do know this. They payed their bills and took the highest pride in this property and the blood and sweat it took to work for it. I appreciate some compassion and some professionalism in figuring out how all this happened and a complete reduction or elimination of late fees and interest. I suspect that my Mothers info was changed prior to her passing as there was nothing in the files that refferenced Truist bank, just that XX/XX/XXXX letter. ( Dated XX/XX/XXXX or XXXX I believe ) if that helps you find the ONLY correspondence from TRUIST. Ive left messages for managers after that happened, numerous letters, faxes, conversations. Id like a review of the phone records, Address Changes, Correspondence, all of it. I want answers and I feel Truist is acting like none of this ever happened. I submitted my income and expense last month and the entire package in the provided TRUIST envelope and somehow you only received part of it. This is unacceptable. It was all in the SAME PROVIDED ENVELOPE. 



Thank You, XXXX XXXX loan number : XXXX Show trimmed content
Product: Credit card or prepaid card

I have a credit card with Chase I only used on business trips. They waived the annual fee in XXXX due to COVID. The card has not been used since XXXX to make personal purchases. In XXXX they again charged a membership fee {$85.00}. I totally forgot about this card since it hasn't been used and for every month they charged late fee of {$40.00} dollars + interest on membership fee. 

Why are they allowed to charge a late fee on membership fee only when the card is never used? 
How is this any different than stealing money? 

I was charged late fees for 6 months and they told me they could only waive fees for 3 months. This is absurd.
Product: Credit reporting or other personal consumer reports

In XXXX  I reached out to experience and also to XXXX XXXX XXXX explaining to them. That I have been a victim of identity theft and ask them to remove that person in account from my credit report. And they refuse to assist me. I did everything that experienced asks me to do from police. Report to prove in my innocence, and nothing was did. This protocol 3 different times and still nothing was, and now I'm doing it again. I am being taken advantage of they have sold this account and it's still on my credit report. The vehicle has been repossessed and sold by the bank. The proof is there, it's not my account, not my signature, not my birth, date not my handwriting and I don't know any of the people but the little girl from off line, who stole my XXXX and I told them that at the bank, and I reported to the police, but it's still on my credit report. I am the victim it looks like they look out for the criminal.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting 'Late Payments '' on my consumer report. I've been writing them for months demanding them to completely remove these late payments. 
I know they're in violation of congress federal law '15 USC 1666B- Timing Of Payments ' and also " 15 USC 1681 S - 2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ''. 

LATE PAYMENT DATES : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

XXXX XXXX also keep ignoring my disputes which I have evidence and tracking numbers as well. 
XXXX XXXX doesn't respond within the XXXX period allowed by law. And when they do respond they completely stall me and ignore me. they tell me that i need to provide them with personal non public information such as my social security number in order for them to proceed with the dispute. 
WHERE IN THE LAW DOES IT STATES THAT I HAVE TO GIVE MY SOCIAL SECURITY NUMBER TO A FINANCIAL INSTITUTION LIKE XXXX  XXXX? 
XXXX  keep violation my rights as a consumer and also congress federal laws. 
because of XXXX XXXX inaccuracies on my consumer reports I'm getting denied and its affecting my life style, mode of living and my general reputation as a consumer. 
If they don't comply with federal laws or my requests and remove the late payments on my consumer report I'm going to take legal action and sue XXXX XXXX for damages done to me in the last few years. 
I have all the evidence needed to take down and completely expose XXXX XXXX XXXX  ilegal practices.
Product: Payday loan, title loan, personal loan, or advance loan

Contrary to the company 's reply containing multiple items of intentionally false information and failure to address issues 2 years ago, it became necessary to cease to do business with this company over 2 years ago due to their misrepresentation of their products which caused damage to credit profiles. Contrary to my notice to the close an account, stop accessing my credit profile, and stop contacting me on an/or after XX/XX/XXXX, this company has continued to : 1 ) Contact me with the most recent instance being today, XX/XX/XXXX ; 2 ) Not close the account - clearly, despite their claim in XXXX due to continued account activity ; and 3 ) continues to regularly access my credit profiles and send insecure alerts to me via email. 

I have tried numerous times by email and phone at significant cost of my time and emotional distress. The company refuses to stop accessing my credit profile in violation of state and federal laws. They refuse to fix, address the issues, or take any responsibility despite their ongoing harassment. The company either does not reply or sends nonsensical responses such as telling me to log into " my account '' -- the one they claim was closed in XXXX. Given the degree of harassment at this point, I am no longer certain this is not targeted harassment of me as a XXXX person given that there is no feasible justification or sense for the degree of harassment at this point.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX has contacted me two times, once in XX/XX/2022 and today again. Both times, this company has threated to sue me for breach of contract for a 20+ year old vehicle contract with Toyota Motor Company . They call me and tell me I am about to be served with papers and that I am named as the Defendant in a lawsuit that is being brought against me. This more than 20 year old debt is considered time barred. I have mailed a cease and decist letter but they still continue to harrass me despite me explaining to them that I know my rights.
Product: Credit reporting or other personal consumer reports

An auto loan that was for business is being reported on my personal credit report. The business closed and filed bankruptcy in XXXX XXXX. The court ordered the return of the vehicle by the business to XXXX in XXXX XXXX. Ally was notified that the business was voluntarily surrendering the vehicle and that they could get the vehicle anytime they wanted by the business also in XXXX of XXXX as per the court 's directions. The business bankruptcy was in the Tennessee XXXX Bankruptcy Court and the case number is XXXX. It was filed XX/XX/XXXX, the meeting of creditors was held on XX/XX/XXXX and the case was finalized on XX/XX/XXXX. The attorney that represented the business for the bankruptcy was XXXX and XXXX located at XXXX XXXX XXXX XXXX, XXXX, TN XXXX. This is currently being reported on my personal credit even though my name is not on the vehicle or any of the paperwork from the dealership for the purchase and financing of this vehicle. My name should have never been affiliated with this loan. This should be removed from my credit report at all credit reporting agencies. I am attaching the installment agreement and the purchase contract from the dealer that the vehicle was purchased from and financed through showing that my name is not on this and that it is only in the business name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unauthorized inquire on my XXXX report. below is the information : Institution Information Amex XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Date : Inquiry from XX/XX/2017
Product: Credit card

I cancelled my Best Buy/Citibank credit card during one of their abdominal robotic calls last week. I have tried repeatedly to contact them both, but their phone banks clearly don't want customers to reach them. Through a fluke I called a local Citibank branch ( they too are like Best Buy... all robots no people. She was very rude and said no one there could help me! I can not seem to find anyone at Best Buy or Citibank to confirm the cancellation in writing, WHICH IS REQUIRED BY LAW. I am furious and exasperated. I have stellar credit and I'll be damned if these two corporate thieves will ruin my life. Please help me. A simple official notification that this card is cancelled. I must have it! I am very concerned about my credit report due to their withholding the cancellation.
Product: Debt collection

In XXXX of XXXX, I asked Paypal Extras Master card if they could lower my payment or dissolve the debt because I can't afford it. I had gotten my Paypal extras master card in XXXX when my credit was bad so I had a high-interest rate, the bill was always higher due to 23 % interest. I had the master card and managed to use and pay it down different times if you look at the history. 

Since then I closed the account and have tried to pay it but I don't make the same amount of money anymore and I explained that to them the last time I sent them a complaint. Last month I paid it on XX/XX/XXXX which it was due on XX/XX/XXXX and they marked my credit report, and my score has gone down. I can not afford this high payment and I don't want my score to go down either, I already have asked to be able to work something out, by calling the number on the letter attached that was sent to me. The agent said I was already on the lowest payment possible and there was no other plan she could do. Gas is high and I am a single mother with a lot to pay for. I do my best to keep up with this card and I want to get rid of this debt so I have been paying it. 

Is there any covid debt resolving programs XXXX XXXX is offering or some sort of settlement that can be reached? This is my second time trying to protect my credit and telling them I can not afford this debt with everything going on. I would like a lower payment or at least a XXXX grace period to give me time to make the payment and not ruin my credit over this. My account has been enrolled in the zero-interest payment since XX/XX/XXXX so I am not sure why the attached letter says it was going to enroll me because I have been enrolled with the {$170.00} payment. What I am saying is right now this payment has become out of reach for me.
Product: Debt collection

This debt was opened in XXXX and was removed from my credit report in XXXX due to statue of limitations after 7 years debt has to be removed from credit report. This collection company changed the date the account was opened and changed the name of the credit card company. Fraudulent dates and business name changed. Information not accurate and over 7 year statute of limitations. Please remove immediately. Thank you
Product: Mortgage

We applied for a new home equity loan through XXXX bank. Their property report showed a lien of {$160000.00}. The lean was from XXXX XXXX in 1994. XXXX XXXX was acquired by Chase bank. We have paid off our mortgage but the property report still shows a lean from 1994.This is preventing us from getting the loan even though we have an excellent credit score XXXX Please see attached property report.
Product: Checking or savings account

I received an XXXX loan on XXXX XXXX in the amount of {$7200.00} on XXXX XXXX I went to chase bank and attempt to withdraw cash from my personal account being that I have 2 accounts with chase and while attempting the teller was loud and biligerent about people receiving XXXX loans she then denied me access to my account and froze them
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry that has appeared on my credit report. I did not authorize these inquiries, and they are negatively impacting my credit score and overall financial health. I respectfully request that these inquiries be removed from my credit report immediately. The hard inquiry in question is as follows : CAPITAL ONE - XX/XX/2023Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ), a credit reporting agency may only include hard inquiries on a consumer report if they were made for a permissible purpose, such as an application for credit initiated by the consumer. Since I did not authorize this inquiry, they do not meet the criteria set forth by the FCRA. Additionally, 15 U.S.C. 1681i ( a ) obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of any information on their credit report. I am formally requesting that you conduct such an investigation to verify the legitimacy of this inquiry.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Information on XXXX XXXX XXXX XXXX XXXX. 
I am filing a complaint against Experian, XXXX, and XXXX due to inaccurate information reported on my credit reports regarding an account from XXXX XXXX XXXX. Below are the details of the discrepancies : 1. Account Number Discrepancies : XXXX is reporting a different account number for this account than what is shown in Experian and XXXX reports. 
2. Account XXXX Date Discrepancies : XXXX reports a different account open date compared to XXXX and Experian. 
XXXX. Late Payment Reporting Discrepancies : Experian reports four late payments, while XXXX and XXXX report five for the same account.

These discrepancies are violations of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681 ( a ) ( b ), which requires credit reporting agencies to ensure maximum accuracy. Under 15 USC 1681n, each willful violation is subject to a {$500.00} fine. Additionally, 15 USC 1681o holds agencies liable for negligent noncompliance, and 15 USC 1681s-2 outlines the duties of furnishers to provide accurate information. These inaccuracies also breach the Privacy Act of 1974 ( 5 USC 552 ( a ) ( e ) ( iii ) ), which mandates compliance with U.S. laws regarding consumer credit information. 
I request that the CFPB investigate these inaccuracies and ensure the immediate removal of this incorrect trade line from my reports with all three bureaus. I also request enforcement of fines of at least {$500.00} per violation, totaling {$1500.00} for the three violations noted. 
Please provide a response detailing the actions taken to correct these issues.