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

XXXX XXXX XXXX  XXXX XXXX, XXXX. now named Bank of Ozarks obtained the bank in a Merger. The subject is a XXXX XXXX XXXX that I purchased then with good credit and score from XXXX XXXX  dealership of XXXX, NC was begged/ conhersed with 9.99 % interest rate. 
XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX now Bank of Ozarks and the salesman told me they'd lower the interest rate before my first payment. The President of XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX spoke to me in depth about XXXX XXXX reporting late payments months after month lowering my credit score and reading my credit reports violating my FCRA - Fair Billing Act while maliciously reaged my credit report while the XXXX XXXX XXXX in XXXX XXXX possession and voluntarily was already sold illegally by XXXX XXXX ( Collections Department ) and XXXX XXXX ( President of Bank of Ozarks ) Employee of XXXX XXXX XXXX/Bank of Ozarks. XXXX XXXX was undeterred in her actions against reporting fraudulent activity to my credit report while loosing me contracts, homes, other nicer vehicles hurting my good character. The Lt. Governor XXXX is my friend and worked on several projects in the community together spoke to XXXX XXXX told Lt Governor XXXX the vehicle repossession was correctly reported XX/XX/XXXX Lt. Governor was disappointed that The President of the Bank was violating my FCRA and Fair Billing Reporting Act. Lt. Governor XXXX also was concerned about Collection Practices of XXXX XXXX and Collections Practice 's. XXXX ( President of XXXX XXXX XXXX  XXXX XXXX, NC.caused me Great Hardships Financially, Socially, Mentally, by not acting according to NC Law. 
I have a Notarized Copied and Dated Copy from XXXX XXXX employee of XXXX XXXX XXXX XXXX XXXX, NC proving my XXXX XXXX XXXX was voluntarily returned on the date of the Notarized Bank Document signed on the day of XX/XX/XXXX without the knowledge of XXXX XXXX until after XXXX XXXX XXXX was returned by my fianc XXXX XXXX. XXXX XXXX volunteered and telling XXXX XXXX Thank You most people have to have their cars involuntary repossessed it was refreshing to have XXXX XXXX to act responsibly. The completeness and or accuracy is on the financial services institution to be reported correct on my credit report. While XXXX XXXX used the vehicle of XXXX XXXX XXXX as a weapon with the approval of President XXXX XXXX to violate my FCRA Rights viciously attacking my credit report Everytime I dispute their errors.The contract I signed also with XXXX XXXX XXXX   XXXX XXXX/Bank of Ozarks and the collections practices speaking to neighbors about my account while voluntarily returned the XXXX XXXX to the XXXX Branch. My privacy rights were violated maliciously without any regards to NC Laws by XXXX XXXX and XXXX XXXX. It was important to violate my rights so the merger would happen.
Product: Checking or savings account

I was receiving unemployment in XXXX and XXXX and a deposit was made to my way to go card account the amount of {$XXXX} XX/XX/XXXX in XX/XX/XXXX of XXXX at that time it had been a year Had passed before they deposited this money so I had no notification Until I recently file for an employment and noticed that I had a current deposit from XX/XX/XXXX in the amount of XXXX so I called to see about that amount and found out that other deposits had been made when I asked money had already been subtracted from the card spent from the card so I wanted to start an investigation to get to the bottom of it and all I got was the runaround. Up to the point where they have denied my claim due to it being over 120 days thats not my fault. I never apply for unemployment again I wouldve never known about these funds. Im sure Im not the first person to experience this more people suffer from these consequences of way to go.
Product: Credit reporting or other personal consumer reports

They said they charged for the report.here is the consumer law to be removed from my credit Since I disputed this charge XXXX years ago and never received the product, the continued reporting of this debt violates 15 U.S.C. 1692e ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits furnishing false credit information after a dispute.
Product: Credit card

Early XX/XX/XXXX I saw a {$4100.00} interest charge on my account, I contacted CareCredit/Synchrony Bank Customer service representative XXXX who said I signed a contract for a " Promotion '' in XXXX to allow a final balloon interest payment of almost {$4100.00}. I requested a copy of this final promotional disclosure. I waited but I never received statements or the charge disclosure outlining the promotion. I faxed this request as well Later in XX/XX/XXXX I called CareCredit again. Spoke to a very rude customer service representative named XXXX. She told me the Doctor who completed the procedure would have a copy of the promotional disclosure I signed, not CareCredit. She informed me the interest on the balloon must be paid in full in two days or additional charges would be assessed to my account. XXXX also instructed me to please stop calling for the same issue. 
I spoke to the Doctor 's office. They said they never offered a " Promotion '' nor have a copy of the promotion disclosure. 

I am XXXX XXXX XXXX and on a fixed income. I would never sign a disclosure with a balloon payment of almost {$4100.00} interest due immediately. 

CareCredit never gave me even the opportunity to decide on the promotion nor explained anything to me at the time of charge at the doctors office. 

I requested a copy of my statements as well as a copy of the signed disclosure from CareCredit/Synchrony Bank XXXX I requested my statements for beginning XXXX to present as well as a signed copy of the " Promotional '' disclosure in XXXX 

This is now my fifth ( 5th ) request for a copy of my statements beginning XXXX to present & a copy of the signed disclosure which discloses the " Promotional '' for services in XXXX. Please note, I had a XXXX balance on my account prior to XXXX. My payments were and are always on time or before the due date. Prior to the Doctor service in XXXX no balance was due.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Bank - My credit was pulled by Capital One Bank even though I have not applied for any credit nor given them consent for anything - Had nor spoken to Capital One. 

I received a call from them that someone had applied for credit and they were verifying that it was me. I told them NO and I as surprised to get the call. I asked the details of this application but they gave me no details other than it was applied for online. 

They said that since they had confirmed that it was not me that they would not report the inquiry onto my credit reports but they did. Later when I pulled my XXXX bureaus I say that they had put a hard inquiry on my credit reports. I called them and got the run around and not they are saying they have to verify that it was not me when THEY CALLED ME BECAUSE RED FLAGS WENT UP IN THEIR SYSTEM THAT THIS WAS FRAUDULENT. I still have a credit inquiry on my credit reports that I did not initiate and that they told me wold never be there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off XXXX in XX/XX/2023, its still on my credit report as open and a balance. I called an no response they said its the colllection agency I call collections agency and they said the reported to the credit bureaus already. Its a cat and mouse game. Please help
Product: Credit reporting or other personal consumer reports

I was offered credit monitoring by Experian after a credit breach by XXXX XXXX. I signed up for credit monitoring ExperianXXXX. From there, I am unable to process a credit freeze - but must also create a profile with Experian and accept all terms of a " Free Membership '' which are not the same terms as offered with ID theft. This seems like a fraudulent practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017, I ordered XXXX items from XXXX XXXX totaling {$45.00}. 
On receiving them, I decided to keep just XXXX and return the other XXXX because I did not like them. 
I called XXXX XXXX to get the exact amount for the one I was keeping and they told me {$15.00}. I wrote a check for that amount, put it the package of the items I was returning and mailed it at the Post Office on XX/XX/XXXX. My post office receipt shows that delivery date would be XX/XX/XXXX. 
My next statement payment due date was XX/XX/XXXX. XXXX XXXX confirmed to me that they my check and returned items in XXXX. 
Then I received a letter from XXXX XXXX stating that my payment was late and that they have assessed a late charge on my purchase. 
I immediately called XXXX XXXX to inquire why my payment would be reported as late. 
They told me that XXXX XXXX is their bank which underwrites their account. They gave me the bank 's number and asked that I should call them and tell them that they received my check in good time but that they delayed presenting for payment in time. 
I called XXXX XXXX  and explained this to them. The rep who took my call stated that she will leave a note against me account that the check was received in time by XXXX XXXX. I thought this was over. 
The next month, XXXX XXXX sent an adverse report to the XXXX credit reporting agencies that my XXXX account had a late charge. Every month they increased the amount. 

I lodged a complaint with the XXXX credit bureaus regarding this matter. They tell me they have contacted XXXX XXXX to no avail. XXXX XXXX continued increasing the so called late charge until they brought it up to {$200.00} and then charged it off. 
XXXX XXXX has adversely affected my credit rating all for a business transaction in which I paid my bill and in good time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed the credit company I am a victim of defamation and financial injury FCRA Section 605 ( c ), Section 611 Part ( A ) ( 1 ). As a result the accounts I informed them are reflecting with their company incorrectly. Therefore, Im not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA.

I asked them to DELETE the mentioned accounts and they do not have the legal authority to decline this demand to block information based on the basis of a misrepresentation of fact by me the consumer, or any other reason under 905B ( c ). Based under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute their organization 's willful negligent non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a XXXX  XXXX inquiry on my Transunion credit report that I did not authorize. I have called Transunion and they dry refused to remove the hard inquiry off my account. This is unfair and I am a victim of fraud. Please remove this inquiry off not Transunion immediately.
Product: Credit card or prepaid card

" Deceptive marketing by Capital one '' Capital one send me a pre-approval offer to XXXX card from Capital One. Following the instructions and my unique invitation ID provided in the pre-approval offer, I applied for the XXXX card. But my application was rejected. The reasons mentioned in the rejection letter were incorrect. I called Capital One on XXXX XXXX and reported these issues. But even then, they did not approve my request for the card. I have many credit cards from XXXX and have an excellent credit history. Also, no major changes happened to my credit from the time I got the pre-approval offer and the time I applied for the card. 

I was not planning to apply for the card. I applied based on the pre-approval offer received from Capital One. 
Due to this unnecessary and deceptive Marketing offer, my credit is affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card is being reported negatively on my credit files and has been removed and then appears again.this is a fraudulent account that doesn't belong to me. This has been disputed and was resolved and removed and thought to have been handled and then the account reappeared. I have sent the credit bureau the police report and dispute as well as XXXX XXXX XXXX and was advised this would be resolved.
Product: Money transfer, virtual currency, or money service

XXXX : A total transaction of XXXX $ was made on my banking account through XXXX without my acknowledgement. 
XXXX : I filed a claim to the Chase Claims Department regarding the fraudulent claim. 
XXXX : Chase reported back to me that it was somehow authorized by me when I did not made the transaction personally. 

I have found that my phone was taken by my parents and used it to perform said transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act these accounts has violated my rights XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other
Product: Debt collection

Portfolio Recovery continues to dismiss my disputes about incorrect information on my credit report which causes me to have a low credit score and difficult obtaining housing, credit and employment. I have filed a dispute numerous times about accounts that they claim are accurate but were not opened by my and are not my debt. Other collections agencies immediately removed my debts when I disputed them as they were also not mine. I was a victim of identity theft and the accounts they are trying to collect on were not opened by me.
Product: Money transfer, virtual currency, or money service

I got scam from a delivery company that will deliver a puppy to me and i didnt know it was a scam until i was done paying the fees. I used zelle and hoping i can get those money back as there was no puppy at all
Product: Mortgage

We have been working with Bank Of America since XXXX XXXX, XXXX for a loan modification. We have had the loan for 10 years and have never missed a payment. We have responded timely to every request and we were notified upon calling them for status update on Wednesday, the XXXX, that the case was closed. There is a balloon payment of {$570000.00} due XXXX XXXX. We can not pay this, need your help. We have submitted EVERYTHING, via fax from the Bank of America branch with complete confirmation that it was delivered. We have worked for 4 months and trying to resolve this to NO end. Our loan office is XXXX XXXX, Phone number XXXX XXXX XXXX XXXX XXXX. Loan number XXXX XXXX XXXX Address of property : XXXX XXXX XXXX Fl XXXX Name on account XXXX XXXX XXXX, my wife , XXXX XXXX has power of attorney to discuss any matters relating to this loan. Our contact information is ph ( XXXX ) XXXX, email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I see a two balances on my credit I don't recognize on my credit report XXXX XXXX {$220.00} XXXX {$3300.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institutions and Zelle failed to investigate my claims adequately. they informed me that tracking these transactions was unfeasible. the CFPB 's findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage company is XXXX, and their major company is XXXX XXXX  XXXX, XXXX. They have reported me to all three credit bureaus as being " 30 Days Past Due '' without merit. The dates in question are : XX/XX/XXXX, Transunion ; XX/XX/XXXX, XXXX  ; XX/XX/XXXX, XXXX. 
I filed a complaint with your office in XXXX, # XXXX to no avail. This company has initiated the same illegal conduct as I complained in XXXX. I have prepared a written statement listing all actions this company has conducted against me and I would like to submit it as proof. Your process does not permit me to upload this statement. Please provide me an avenue where I can upload this document or send me an email where I am able to submit it. 
Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$490.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$11000.00} XXXX XXXX  XXXX Balance {$1100.00} XXXX XXXX XX/XX/2020
Product: Mortgage

Select Portfolio services is my mortgage holder when I fell behind do to my XXXX in my payments they refused to help me ketchup when I contacted them to see if there was something I could do they continuously told me I needed to submit forms and other documentation that I had already previously sent they continuously put my situation off now to the point where I can not possibly afford the catch up they then suggested doing a deed in lieu but because I had fallen so far behind with them and with the association which is contributed to my XXXX that my HOA dues monthly are more than my mortgage payment so between the XXXX I can no longer financially live here and because of the HOA placing a lien against the property Select Portfolio servicing Representatives stated that I needed to do a short sale and that my property did qualify for a short sale. Then I contacted a realtor to do a short sale, once the realtor started filing the necessary paperwork for a short sale then once again SPS started requesting paperwork but they had already been given in stating that they had not received it in the first place when the realtor also filed a letter stating that I am a XXXX American that 's when all the trouble started. Then sps wanted to do a new appraisal that was the third appraisal and that appraisal came in less money than the first XXXX but still SPS will not do a short sale for me which would allow me to receive up to {$10000.00} dollars for relocation funds. So between the hoa due 's and mortgage it brings my monthly payments to {$540.00} per month. It seems that is management has put me on a black list and refuse to allow a short sale. I need Help please
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following items with Equifax and and they have continued to report negative items on my report that do not belong to me that is resulting in bringing down my score and has affected my credit worthiness. I have been denied services and auto loans due to my credit score and the negative items that have impacted me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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: Vehicle loan or lease

I have a loan with AM HONDA FIN. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and AM HONDA FIN with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never 30 and 60 days late.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, my husband and I went to XXXX in XXXX XXXX, MD to sell or trade in our XXXX XXXX XXXX. We showed them the title and receipt that car had XXXX balance owed. However, the title we had still showed CNAC ( Carnow Acceptance Company ) listed as a lien holder. We were instructed to go to them and request a Lien release. 

On the next day, XX/XX/XXXX, we went to XXXX XXXX where we had purchased vehicle in XXXX. 
In XXXX, the car was paid off by our insurance company, ( XXXX ) due to an accident. They ( CNAC ) said that they had to turn over the Title to the insurance co. since they were the ones that paid balance owed on car. After accident, we paid for damages out of pocket and kept car. 
Now comes time to get rid of car in XXXX. We were told to contact XXXX. Which we did. On XX/XX/XXXX, spoke with XXXX customer rep who said i needed to contact the persons that was assigned to our claims. They were XXXX XXXX XXXX ( Adjuster ) and XXXX XXXX XXXX. XXXX XXXX said that he was not the right person to speak with because he does not handle title concerns. When we spoke with XXXX XXXX, her response was that CNAC never sent XXXX anything and she is not able to help other than send me copy of payment sent to them. We are getting so much run around and would like to resolve this issue quickly so that we can officially drop the car from our insurance. XXXX also has no record of payoff. 
Thank you so much for your prompt attention to this matter. 

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

Upon obtaining my XXXX  credit report, I noticed that there were unauthorized inquiries from OneMain Financial. I have no banking relationship with this company and theyve pulled my credit without my permission on the date of XX/XX/XXXX. To exude the frustration this company has caused me, Ive mailed in a certified letter on XX/XX/XXXX explaining ( in detail ) how they have violated my rights to privacy and more. All constituents of the data will be attached including : the letter, the drop off and delivery dates, and the credit report. I have yet to receive a response and I hope this will bring forth one.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 Amount of {$510.00} Tried disputing it and ask for verification that it was me but they keep saying that it was
Product: Vehicle loan or lease

XXXX XXXX car max -- ran my credit report without authorization. 

On XX/XX/2019, they ask if i wanted to see how much the loan was and if I qualified. 
THey had not looked at my trade in and the sales person simple ran my credit report without my permisssion.