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

XXXX why are you serving the University XXXX XXXX XXXX XXXX XXXX XXXX in my identity? XXXX XXXX and XXXX have always been private lenders. XXXX XXXX and its entities has never been a Federal Lender. XXXX XXXX could consolidate their originated only private student loans thru Direct Consolidation with the Department of Education thru their joint collaboration am I correct? Then the Consolidation loan would become owned by the Department of Education. Then the Department of Education would find a different servicer for the new Department of Education Direct Loan Consolidation am I correct? For all the credit Bureaus XXXX has been falsifying reporting as Educational Loans but actually has falsifying made documents as a consolidation loans. XXXX has not sent me one Promissory Note with XXXX XXXX XXXX as a private Lender of their consolidation loans. XXXX is currently a servicer to student loans in my identity without my permission. XXXX will only pick and choose questions but will not answer all of my questions. XXXX will state repeated question but will not answer all of my questions. Watch this Credit Bureaus. XXXX send thru the CFPB portal those 9 Stafford Loans and {$7000.00} Perkins Loan from the University XXXX XXXX XXXX from your Private Lender XXXX XXXX XXXX. Do not send any loans from XXXX XXXX, XXXX XXXX  or any other federal lender because they are not written in your consolidation package. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX could only purchase consolidation loans after they had been consolidated by a federal lender XXXX why are you reporting Educational Loans to the Credit Bureaus when you should have been reporting Consolidation Loans? Be prepared for rebuttal. XXXX XXXX could only consolidate with the Department of Education then loans would become the Department of Education ant XXXX not the servicer?
Product: Debt collection

They have been calling daily. They dont identify themselves. They ask me to verify my information and when I refuse because I dont even know whos calling the proceed to tell me they already have my information and then they tell me my address, date of birth and social security number and keep asking me to verify. They never say what the call is about. They have left a voicemail stating theyre from Global trust management and give me a number that does not match what global trust management has on their website. They call from various local numbers. I have asked them not to be calling my number but they yell over me and then hang up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX  act # XXXX violated my rights. 15 U.S.C. 1681 section 602 A. states I have the rights to privacy 15 U.S.C. 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

Capital one told me that if i opened a spark business card It would help me build business credit and it would report to my business credit report. They marketed the card to me as a Spark Business credit card. I specifically asked them during the application process would the card report to my personal credit report because I was working on my personal credit and opening new debt hurts my report. They told me that it wouldnt. Well thats not true. I found out that it did in fact report to my personal credit report. Its been hurting me ever since as I started using the card daily to run my business. Then the balance got so high from Interest rates and fees that Ive been struggling to pay it. When I called them to close it down and complain that it was ruining my personal credit report they told me that they cant close it with a balance. So I disputed the card with the credit bureaus as improper reporting. i lost the dispute. They allowed them to continue to report this to my personal credit. IT IS ruining my life to this current day.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been dispute the account on my credit report with Experian and no response on my dispute so i am asking for them to remove and delete the account listed
Product: Vehicle loan or lease

I was mislead into entering into a fraudulant auto loan with Credit Acceptance Corporation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Inc. via United States Postal Service to investigate and validate accounts that were placed on my credit report. 

These letters were sent on : Wednesday, XX/XX/2022 Monday, XX/XX/2022 Please note that I did not receive a response from Equifax Inc. within the 30 day period of each of those letters. However, on XX/XX/2022, I received a letter from Equifax Inc. requesting that I forward them 2 forms of items to idenify myself. 

I forwarded them a copy of my social security card and NJ driver 's license on Thursday, XX/XX/2022 and have not heard back from Equifax Inc. to date.
Product: Debt collection

I closed escrow on a new home in XX/XX/XXXX and signed up for internet service with XXXX. Electrical upgrades were being made through the summer of XXXX, so the XXXX equipment did not work. I contacted XXXX and they put me on a vacation hold. The electrical work continued and I again contacted XXXX requesting a longer hold and they refused ( power was not restored on until XX/XX/XXXX ). I did not want to pay more for service I could not use, so I therefore canceled my account with them and returned their equipment. XXXX continued to send me bills, and I both called and chatted online with XXXX support staff, explaining I never had the opportunity to use the internet service because I had no power. I paid the installation fee and 2 months of service. When I canceled, I was told that my account would be XXXX 'd out as I never used the service. During the online chats I was twice notified my account was zeroed out and I owed nothing. Then XXXX sold my account to a collection agency. Now I am being pestered by the collection company, XXXX Account XXXX. I have notified both XXXX and XXXX Account system that I do not have any equipment and canceled my service and have tried several times to clear this up, to no avail. I contacted XXXX and disputed the account on my credit report, XXXX said the account was verified as accurate. I asked for evidence as I presented the 2 chat transcripts showing the date and times when XXXX staff said I did not owe any money and that my account would be corrected. However XXXX refused to provide me any evidence, like a signed document or other explanation that disputed my evidence, so I want to know why they said the account was accurate?
Product: Credit card

I have the XXXX secured credit card they offer payment through XXXX with the card. upon trying this XXXX NEVER attempted to run it as a payment and solely ran it as a full transaction amount. despite me choosing this option of payment. When I asked XXXX they said the bank decline the payment option and then they went to apply full amount after rejecting offer. Call the bank the only decline they see is for the full amount of the charge. both point figures at the other. Went back and tried to purchase this same item took screenshots of me selecting the plan. then the recipet that came and the immediate order recipet online doesn't show payment plan and nothing on credit card side for pending transactions
Product: Checking or savings account

I opened an account with Truist bank in XXXX, Florida. I deposited my end of the year bonus check from my employer in the amount of {$10000.00} into the account. They told me there would be a hold until XXXX, which was fine. The next day my account was locked and closed. I have called several times to the fraud department, which is who I was referred to contact. 
Most of the time I spoke to someone I was told by them that it was a fake check and the funds are kicked back. Which is absolutely false. I explained to them that the Check had already cleared the bank on the other end and I had proof. I was told I had to wait longer. I was told to go get my money from a local branch. I was hung up on and put on mute as though they had no correct answers. I was told that its still under review. 
I have no faith that they will return my money that they have. Since I do not have this money now I have late fees on bills and this check was for the holidays for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, Equifax, and XXXX  on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond. earlier to comply with these Federal Regulations by credit reporting agencies are investigated by the Federal Trade Commission.
Product: Credit reporting or other personal consumer reports

Equifax is showing I have 3 student loans as active with XXXX XXXX XXXX, when the servicing company changed over a year ago. Both XXXX  and XXXX have reported the accounts as closed with a {$0.00} balance. I have provided the transfer letter from the previous servicing company. Equifax refuses to report them as closed with a {$0.00} balance. When I inquired why they state they spoke with the previous servicing company and were told the account was still open with a balance. When I call the previous servicer they state they have not been contacted by Equifax and that my accounts with them have been transferred and they do not have any outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB, XXXX XX/XX/2021, I mailed a dispute package to Experian by certified mailed for information that is inaccurate or items that are mine which are currently reflecting on my credit report. That package was delivered to Experian on XX/XX/2021. 
Additionally, I mailed a letter by first class mail to ALL THE COMPANIES that were reporting negative information on my credit report on XX/XX/2021 asking them to provide proof of the subject account ( s ). 
Experian and all companies I have contacted HAVE FAILED TO DO ANYTHING regarding my concerns, including contacting me, to help me remove inaccurate information or items that are not mine. 
I will be reaching out to Mr. XXXX XXXX ( CEO of Experian ) via email within 45 days of this complaint and all the companys board of directors for their assistance in this matter. 
CFPB, please do allow Experian and others to simply ignore peoples request for help. I will also seek the assistance of members of Congress with this matter in the next few months if this issue remains unsolved. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax on two occasions to verify late payments on a closed account with XXXX that was closed XXXX of XXXX. The first request was by certified mail on XXXX XXXX Tracking # XXXX. My second request was sent certified return receipt on XX/XX/XXXX Tracking # XXXX and received on XX/XX/XXXX by XXXX XXXX. The response received was appalling to say the least, which is supported by the documents which I have forwarded to you. Dates were changed and modified at random, not verified or validated to be true or accurate. Information that wasn't there before was added. Please explain to me how can you verify and report that I was late each month for five months AFTER THE ACCOUNT WAS PAID IN FULL AND CLOSED, and to add insult to injury I am a victim of their data breach as well.
Product: Credit reporting or other personal consumer reports

Experience has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses and failing to adequately outfit consumers of dispute outcomes. These failures align with my experience, where Experian has neither Corrected or removed disputed items despite the evidence provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Checking or savings account

When I opened a savings account with CapitalOne I believed I was going to get a XXXX percent stable interest rate. Instead, CapitalOne now states that it was a variable rate account that I signed up for. 
CapitalOne advertised in large numbers the rate. However, one has to read the fine print to determine if the rate is stable or variable.
Product: Bank account or service

I signed up for a Chase Business checking account under a promotion in which I would receive {$500.00} in 60 days after depositing at least {$500.00} and holding it in the account for 60 days, while maintaining the account open for 6 months. I deposited {$500.00} into the account in person, the branch banker told me that I would receive my bonus ( hence my deposit amount ), and then Chase did not pay the bonus. They now say that it was not a qualifying deposit and that I needed to deposit via the branch ( which I did ). I do n't understand why it was not a qualifying deposit and would like the bonus to be paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

My husband and I had a second mortgage with Rushmore Loan Services. Due to some family illness and problems with the mortgage company that owned our first mortgage, we were behind on a few payments. Rushmore sent us several letters over the course of a few months offering us a lower pay-off amount but we were not able to pay those larger amounts to totally pay off the loan. We kept making our payments. On XX/XX/XXXX, we received a letter from Rushmore titled " Lien Release Notice/Mortgage Debt Cancelled ''. It stated that our debt was cancelled and that the owner of our loan had extinguished our debt and the entire balance of our loan was brought to zero as of XX/XX/XXXX. We later received the deed and never had any subsequent attempts to collect the debt. When we called Rushmore several times to inquire why the debt had been cancelled, customer service representatives continually told us " Congratulations! Your debt has been cancelled. '' No one ever mentioned the words foreclosure or " charge off ''. The words " foreclosure '' and " charge-off '' appear on all of our credit reports. This is causing us to have a difficult time purchasing a new home. We would simply like the remarks to be changed to what WE WERE TOLD - " debt cancelled. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$6000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$2200.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$4500.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/XXXX, has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$5000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$920.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$1000.00} has violated my rights. 

In accordance with the fair credit reporting act, XXXX  XXXX XXXX account # XXXX Loan Amount {$3000.00} Date opened XX/XX/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 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX a wire transfer was initiated to pay the loan in full and as of XX/XX/XXXX they have not yet applied it to the account. Multiple calls over several weeks and I am still being told it is " in process ''. Each representative says they see it pending and instructs me to call back in XXXX business days. My account is incurring late fees and collection calls have started even though I wired the full pay off amount nearly 30 days ago.
Product: Debt collection

XXXX XXXX Synchrony Bank issued a complaint in the XXXX XXXX For XXXX XXXX XXXX. Synchrony Bank state that I was served a summons. This is incorrect. I was not served. The complaint is for an alleged debt. I have not been able to dispute this debt yet Synchrony Bank is suing me for the alleged debt. XX/XX/2022 I sent a Cease and Desist via certified mail. Pursant to the Fair Debt Collection Practices Act - 15 USC 1692c ( c ) how can an attorney file a lawsuit against ( and thereby commuicate with ) a non-consenting consumer or file a motion for summary judgement against that consumer? Synchrony Bank is in violation of the XXXX XXXX XXXX XXXX XXXX by furnishing my personal information such as my social security number, address and phone number to the third party, XXXX, XXXX XXXX, XXXX & XXXX, XXXX. Synchrony Bank has had a complaint sanctioned by the Consumer Financial Protection Bureau which has been attached.
Product: Payday loan, title loan, or personal loan

Complaint Regarding Predatory Interest Rate and Request for Loan Cancellation Dear Consumer Financial Protection Bureau, I am writing to express my profound concern and shock regarding the predatory and egregious interest rate that a lender attempted to charge me. The terms of the loan agreement were as follows : Annual Percentage Rate ( APR ) : 690 % Finance Charge : {$870.00} Amount Financed : {$200.00} Total of Payments : {$1000.00} I find these terms to be completely unacceptable, as they demonstrate a blatant disregard for the financial well-being of consumers. Such a high interest rate is not only unethical but also exploitative. 

On XX/XX/XXXX, at approximately XXXX XXXX, the lender extended these terms to me. In response, I promptly sent them a request to cancel my loan at XXXX XXXX  on the same date. As per their agreement terms, my loan should be canceled with no penalties since it has not been funded as of the time of my cancellation request. 

I am filing this complaint with the CFPB to raise awareness of this lender 's predatory practices and to seek assistance in addressing the issue. I also request that the CFPB ensure the loan is canceled without any penalties, as specified in the lender 's agreement. It is crucial to protect other consumers from falling victim to such outrageous terms. 

I look forward to your prompt response and guidance on how to proceed in this matter. 

Concerned, Citizen~ XXXX
Product: Debt collection

On XX/XX/XXXX I checked my XXXX  and XXXX  credit report and was surprised to find a delinquency for {$500.00}, placed there by Midwest Recovery Systems. There was no prior contact in any way before placing this to notify me of the action, ability to pay it, OR DISPUTE IT. 

I checked the XXXX XXXX XXXX and they had many prior complaints and over 100 in the last 12 months. 

I contacted them and was told that they fo this all the time because they are not required to give notice of any kind before filings negative information on anyone 's credit bureau. They told me this was a debt from another company ( that never contacted me nor placed Anything on my credit bureau file ) that purchased it from a physicians group. 

He did take a verbal dispute but my score went down 42-45 points already and according to XXXX XXXX, even if it's removed will only rise back 25 or so points. I am starting a business and my access to credit funds has been diminished and I won't get that back for months at best even if they remove it.
Product: Credit reporting

Improper reporting of a XXXX XXXX XXXX account and the sum owed fo an account which I never opened. Challenged this information and also requested proof of service since I do not have the authority to put any service at this residence. 

Also whereas the account held by the XXXX XXXX is concerned I applied and receiveda Forbearance on my account. Therefore the reporting as late payments is incorrect.. Looking forward to an amicable settlement, XXXX XXXX
Product: Checking or savings account

Early Warning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear sir, I have received two envelopes which had the documents prepared the same day, XX/XX/XXXX. At first, for the document inquiring on the exact record, I do not have the name of the record. As what I have received from your company is private and I have already sent to the headquarters of XXXX XXXXXXXX XXXX, CFPB, other banks, and other necessary organizations, I do not feel the necessity to check again with your company. You have mentioned earlier how to retrieve the similar document on banking of XXXX XXXX ; however, I have not received the instruction on it. Also, I have opened the link which you have provided to me, XXXX XXXX XXXX.earlywarning.com ; however, as I have mentioned much earlier I can not log into this page because I do not remember my username, so you need to tell me how to recover the username to log into. I have asked you already several times, but I have not received the answer ; therefore, your company also need the improvement of customer service ; especially you might need to realize the name of this page XXXX XXXX might recall the global hacking occurred last year, XXXX, for certain customers, such as those works in the universities who were affected. 
Next, you prepared the documents regarding the XXXX XXXX XXXXXXXX accounts ending XXXX ( ID XXXX ), XXXX ( ID XXXX ), and XXXX ( ID XXXX ). Since I have already sent the necessary documents to the banks which have the questionable matters and have not received yet, except one bank which I disputed myself, I believe it is better to wait the XXXX XXXX XXXXXXXX will answer after some examination and consideration ; therefore, I will not ask anything, even though I will send this mail to the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX which your company suggested. I prefer not to call the number of this branch, XXXX, since reputation is not so favorable by searching it online. 
Sincerely,
Product: Checking or savings account

I have complained to Suntrust about the monthly fees charged to my various accounts many times over the years. The bank representatives changed the setting in its system and promised me no more fees in the future. But after a few months, the fees re-appeared again. I have been with the bank over 10 years and maintained high balances on the various accounts. The bank classifies me as " premier customer '' due to the relationship but treated me badly. Recently regarding the fees, I have contacted a few bank representatives ( my premier banker, branch managers, etc ) via emails, texts and calls multiple times but got no response.