23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I co signed for my wife 's vehicle that we purchased in XX/XX/XXXX. It was a a XXXX XXXX XXXX. We purchased it for a total cost of XXXX and we put XXXX down. Our payments were still 300+ a month which was out of our budget. We tried returning the vechile the following week we purchased and were denied. The dealership stated that the finance company ( quality acceptance ) would not let us out of our loan agreement. We struggled for 3 months to make the payment before they repossessed the vehicle in XX/XX/XXXX. They then notified that we were still expected to make the monthly payment even after they notified us that the car was sold at auction for XXXX XXXX Which is more than the original purchase price. As of today we owe approximately 14,000 and they are still reporting that were missing monthly payments even though the account had been charged off. We notified them by certified letter asking they stop with no response, disputed the account with all 3 credit burrows to no avail. Ease any help would be gr ees early appreciated. The fiancee company is quality acceptance based out of XXXX XXXX California
Product: Debt collection

Portfolio Recovery Associates, LLC ( Debt Collector ) XX/XX/XXXX, {$2600.00}, I disputed this charge but it was sent to a credit collection bureau named Portfolio Recovery Associates, LLC and its not being removed on my credit report. 


XXXX XXXX XXXX  XXXX Credit Card ) XX/XX/XXXX, XX/XX/XXXX, {$1100.00}, I disputed this charge but they want me to pay when this wasn't my debt either this charge won't come off my credit repot either.
Product: Credit reporting or other personal consumer reports

All communication must be ceased to me regarding this debt. According to 15 U.S. Code 1692c - Communication in connection with debt collection. This is a form of communication. 

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

XXXX XXXX XXXX Account opened approximately XX/XX/XXXX. Co-signer on this car loan account. Bi-weekly wages were garnished in the amount of XXXX final payment was made on XX/XX/XXXX, and account has been paid in full but still reporting on credit report. contacted finance company, whom referred me to garnishing attorney Goodman-Frost for removal. contacted attorney, who told me finance company has to remove it from credit report. disputed with XXXX  and XXXX  with no resolve. item says it will report on credit until XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple complaints have been filed with you highlighting your violations of my consumer rights. You have consistently denied and disregarded my complaints, despite having no evidence to support your position. You have also committed numerous acts of fraud against me. Attached to this letter is an Affidavit of Truth that details the violations of the FCRA that have been committed against me. These Bankruptcy accounts must be removed immediately from my consumer report/file ; otherwise, I will pursue you in federal court for these violations, as I have months of paper trail and deletions from the other consumer reporting agencies admitting the violations. This is the account : Bankruptcy XXXX  XXXX dischargedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony bank ( the issuer for GAP credit cards ) automatically enrolled me in paperless billing but they did not enroll me in text / email alerts. This caused me to miss payments on my credit card bill because I was unaware that they were any due. The payments were for XX/XX/2021 and XX/XX/2021. This has resulted in {$80.00} fees, which I am certainly upset about in this economic environment. What I am also concerned about is the damage to my credit score. The damage can result in more expensive financing in the future. I don't have a satisfactory answer from the bank about the result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a company of my credit report today XX/XX/2019 in viewing the report I found that several items previously DISPUTED and REMOVED have been added back to my report I have attached copy of the previous CFPB dispute results were Equifax noted several times to have deleted the incorrect and negative information ... .I did not receive any notice of Equifax reapplying the accounts to my file ... the accounts in question are XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX Please see attached previous communication in regards to this accounts Also credit Bureau has added previously disputed addresses back to my credit file I DO NOT and have not lived at the address and need them and as associated account REMOVED as I was previously disputed them as well Addresses in question are XXXX XXXX XXXX XXXX N.C. XXXX, XXXX XXXX  XXXX   XXXX N.C. XXXX and XXXX XXXX XXXX N.C. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Medical XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Dear Sir/Madam I am writing to express my deep concern and disappointment regarding the letter of recent closure of my business credit card, associated with my business " XXXX XXXX XXXX XXXX ". As a longstanding and loyal customer of Chase Bank, I was surprised and troubled by this decision, particularly as there was no apparent reason provided for the closure. 

Since establishing my business in XXXX, I have maintained a flawless record of financial responsibility, both personally and professionally. My business, XXXX XXXX XXXX XXXX, has thrived under the support and partnership of Chase Bank, and the sudden closure of my credit card has left me feeling unsettled and anxious about the impact on my business 's credit profile. 

I want to emphasize that I have always conducted my business affairs with the utmost integrity and compliance with all applicable regulations. There have been no issues or irregularities with my account that would warrant such drastic action. Therefore, I respectfully request that Chase Bank refrains from closing my business credit card and provides me with a detailed explanation for the closure decision. 

The closure of my business credit card not only affects my ability to manage expenses efficiently but also has the potential to negatively impact my business 's creditworthiness and financial stability. As a valued customer, I believe I deserve transparency and fair treatment from Chase Bank, and I trust that you will take my concerns seriously and address them promptly. 

I kindly request that my business credit card be reinstated at the earliest convenience to mitigate any further disruption to my business operations. Additionally, I would appreciate any assistance or guidance Chase Bank can offer to ensure the continued success and prosperity of my business. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PRIOR COMPLAINT- XXXX Please see previous complaint. This company said they are no longer collecting this debt and to call the provider. The provider says to call the debt collector. They now garnished my wages with no notice of any court hearing and all the while I still never received any items I requested or had the opportunity to go to court to dispute. Payment arrangements were coerced and payments were being auto deducted until they said they are no longer collecting. THEY stopped deducting payments! The garnishment order does not have XXXX phone number but goes to an attorney office. Are they an attorney or a collection agency or one in the same? They have over XXXX complaints with the BBB for very deceptive collection practices. They need to be investigated. I have called repeatedly, had electronic payments being taken, asked over and over for detailed bills and detailed payment receipts. No response or answers are ever provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XX/XX/XXXX stating that a card was opened fraudulently in New Jersey but I live in Ohio. I gave them my police report. It was under investigation until XX/XX/XXXX to which they informed me that they are still holding me liable for this card as well as the charge of {$640.00}. I am appalled that the credit card company does not have the resources to review the case further and realize that it is geographically impossible for me to open a card in New Jersey if I live in Ohio.
Product: Checking or savings account

I have a Chime bank account, I transferred money from my personal XXXX XXXX checking account into my chime account I linked my bank account to my chime account last year this year I wired {$100.00} into my chime account chime locked me out of my account they wanted proof of identification so I sent proof of identification well then they wanted two forms of identification so then I sent them another email of two forms of identification then they wanted the two forms of identification plus they wanted the transaction of the {$100.00} going into the chime account, so I sent them everything they asked for well now they want the last three transactions from my XXXX XXXX  account every single thing I send them they want more they don't have any phone numbers that I can talk to them The only way I can contact them is through email. My credit builder card I can not turn off because my chime account is locked and every time that credit builder card takes a hit with no money on it my credit score goes down so chime is XXXX up my credit score by not letting me in the account to turn off the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days past due on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this item however, I have not been successful.
Product: Student loan

I have 7 total XXXX student loans and 2 Consolidation loans serviced by XXXX, who took over as my loan servicer from XXXX in XX/XX/XXXX. I have been making regular monthly payments on a fixed repayment schedule for all of nine loans on my account. I have 100 % on-time payments, and believe that I qualify for interest rate reductions that have never been applied to 5 of my XXXX loans. As a result, I believe I have overpaid interest significantly over the repayment history of the loans. 

Five of my XXXX XXXX ( disbursement dates XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX ) have a 6.55 % interest rate and on the XXXX online account summary for each of these loans, the loan details show potential rebates after 12, 24, and 36 on-time payments. Aside from this general statement of eligibility, no status is given nor indication of number of payments until the benefit becomes active. I believe I should have qualified for each of these three rate reduction milestones several years ago. Additionally, timely payment benefits for XXXX loans are also listed in the XXXX section of XXXX XXXX website. 

I first emailed XXXX customer service around XX/XX/XXXX and did not receive a response. I made a second email attempt in XX/XX/XXXX and did not receive a response. I called XXXX on XX/XX/XXXX and reviewed the issue with a XXXX representative. The representative acknowledged that my loans appeared eligible for interest rate reduction, and that an inquiry would be sent to the loan processing department, and I would hear back soon. 

I called back on XX/XX/XXXX and spoke with a XXXX representative who acknowledged record of the previous inquiry into the loan rate reduction. The XXXX representative needed some time to look into the matter, but said she would call me back. I received a call back that day and the XXXX representative stated that my 5 XXXX XXXX were eligible for a 3 % interest rate reduction, which would be applied to the accounts within 2-3 weeks after approval by management. The XXXX representative also acknowledged that these rate reductions would be retroactive to the date on which the loans were eligible to receive them. In addition, the XXXX representative stated that 2 of my other Stafford loans ( at interest rate 6.8 % ) were eligible for a .25 % interest rate reduction. 

I spoke with the same XXXX representative on XX/XX/XXXX who indicated that after review, the 5 XXXX loans are not eligible for a rate reduction. When asked what changed after management review to make them ineligible, the representative did not know or have access to the review documentation. I requested the documentation that resulted in the determination of ineligibility for interest rate reduction, but the representative did not seem to think that I would be granted access to the documentation.
Product: Debt collection

XXXX DEBT opened tradeline on my credit report XX/XX/XXXX however my report show opened on XX/XX/XXXX. 
I called XXXX XXXX XXXX to inquire about this issue and was advised that this is for Viviant Bill from XX/XX/XXXX and they I owe XXXX {$1400.00} plus in fine/etc and will need to pay or settle the account for {$800.00}. I advised them that this is not my account. 

I've never had viviant ring/door camera however I do have XXXX and XXXX with them for some years now. 

I am requesting that XXXX remove this debt from my report. 

I would like to have them removed. I never had an account with XXXX XXXX back in XX/XX/XXXX or ever had an account this is the first I am hearing about this. 

Please have this removed.
Product: Checking or savings account

A total of XXXX unauthorized ACH transactions were fraudulently made without my permission and debited from my Bank of America business checking account. First transaction was made XX/XX/XXXX and the last transaction was made XX/XX/XXXX. 

All transactions were reimbursed to my account except for the following XXXX transactions that were paid to XXXX XXXX. 

XX/XX/XXXX - {$8000.00} ACH Unauthorized debit - paid to XXXX XXXX XX/XX/XXXX - {$100.00} ACH Unauthorized debit - paid to XXXX XXXX XX/XX/XXXX - {$1300.00} ACH Unauthorized debit - paid to XXXX XXXX XXXX unauthorized dollar amount paid to XXXX XXXX is {$9400.00}. 

XX/XX/XXXX I reported all the above fraud by phone call to BOA, and per their request, I submitted several " Unauthorized ACH Return Form '' detailing a total of XXXX fraudulent transactions by email. BOA assigned Claim numbers to the XXXX fraudulent debits and XXXX have been resolved with funds returned to my account. The remaining XXXX unauthorized ACH transactions ( above referenced ) paid to XXXX XXXX were assigned another claim number and have not been credited back. 

XXXX and XXXX - numerous phone calls totaling hours of time made to BOA fraud department to attempt to resolve the fraudulently stolen funds. Each time I was told the bank has " reached out to XXXX XXXX '' and " we are waiting a response from them ''. 

XX/XX/XXXX - BOA closed the claim and sent email to me stating " The originating bank will not allow a return. We have XXXX hrs to recover XXXX items. Please contact XXXX ( XXXX # ) to recover your funds. '' I called BOA XXXX XXXX Customer Service to attempt to gather more information. No further information given. Claim was denied.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One failure to deposit my direct deposit from my employer and any other incoming deposits. Capital one has cited technical issues, which may violate the Electronic Funds Transactions Act ( EFTA ) as it requires timely access to my funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you
Product: Credit reporting or other personal consumer reports

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which it prohibits. They furnished his account that we didn't agree upon and i didn't sing an agreement on. A legal contract is signed by two parties and i did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. according to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. 
I noticed two late payments on the account that I was in fact paid on time. 
for the month of XX/XX/year> I paid on time and for the month of XX/XX/year> it shows that I was 90 days past due and for the month of XX/XX/year> I'm 120 days past due that's inaccurate. 

I've attached a copy of my report to this complaint on the following dates XX/XX/year> and XX/XX/year>. 
I'm now requesting you to investigate and provide verifiable proof with records showing that I had late payments if this information can not be verified I demand these payments to be updated to paid on time immediately. 
Thank you for your understanding and prompt action.
Product: Mortgage

Hello I sent Mr Cooper a {$6000.00} cashier check and a money order for {$940.00} to cover XXXX monthly payment. I spoke with Mr Cooper and I was told to send {$5600.00}, in which I sent {$6900.00}. They claim it was never received at the beginning, which I had tracking on the {$6000.00} showing that it was received. They told me once it was received they will apply funds, but never did. Finally 1-2 weeks later I called Mr. Cooper and they stated they will be sending funds back, because its not enough to cover my mortgage arrears, because I owe {$7600.00} now. This was in the middle of XXXX. I told them I sent them the amount I was told to send to bring my loan current. All they can say is sorry. I received my cashier check back with letter was was dated XXXX and stating I owe the {$7600.00}. On XX/XX/XXXX I receive another letter stating I now owe {$9700.00}, which was only 5 days letter. This amount is unacceptable and inaccurate and they are overcharging me for fees. There has to be a extreme error on my accounts. On XX/XX/XXXX I spoke with someone at Mr Cooper and they are now staying I owe over {$11000.00}. This is ridiculous. I was told in the months of XXXX I was charged {$910.00} and additional {$130000.00} for corporate advances and on XX/XX/XXXX a additional {$4300.00} for corporate advances. Thats over {$6000.00} in the month of XXXX just 2 months. On my mortgage statement for XXXX, it shows clearing how much my reinstatement amount Is, which is {$7900.00} which is accurate with the months Im behind and legal fees from your office..Also I paid XXXX Mortgage, so Im only behind from XXXX XXXX. Mr Cooper needs to adjust my account for overcharging me whatever fees they are charging me. Back in XX/XX/2019. I sent Mr Cooper a {$65000.00} cashier check for a sheriff sale and foreclosure, which I also believe Ive been overcharged for those fees and they need to adjust any errors on my account from those fees. There are several errors on my account, in which they need to fix ASAP.