23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cross referencing of information between the servicer communications and XXXX  assignment list donot match. Customer therefore will like to get a copy of all ACCOUNT STATEMENTS and SETTLEMENT OPTIONS OFFERS made starting from XX/XX/XXXX until the loan charge off date of XX/XX/XXXX. thank you.
Product: Checking or savings account

I bought a cd in XXXX with the specific understanding that the interest would not be 1099 until the maturity in XXXX, I had multiple conversations before I bought the cds. 
They did not pay the interest until XX/XX/XXXX but they sent me a 1099 for tax year XXXX. I inquired XXXX  to understand why they did this, both times before I could even explain my situation they had a rehearsed response, how many other people have they done this to? 
This cost me a substantial amount of money in IRS penalties and taxes. If they had told me the truth I would have bought the cds from another bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Key
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union report, I am allowed at least one report without paying fees..also credit score low, unreal..I need this verified as to why?? Also request my free repot mailed to me.pleade send information requesting asap. XXXX XXXX
Product: Consumer Loan

Back in the late XXXX my daughter and myself, agreed to help her then boyfriend out in need of a vehicle so I co-signed a loan for a motorcycle. Her then boyfriend at the time which we did not know of had a criminal record for larceny, stealing, scamming, etc. He was formally charged and taken to court by us and others he had scammed. Regardless I was left with the loan. Originally the loan was through XXXX XXXX Bank. That bank is no longer around and my loan was fully paid, however at the time of my loan being finished, they also had been bought out and no paperwork was ever given to me. Also, please keep in mind records are not kept they way they are today electronically. XXXX XXXX Bank is now defunct and several times changed name, etc. My complaint is with Assest Recovery Services, based out of Illinois, with a XXXX XXXX XXXX This is some fly by night company who purchase lists, bad dept loans, list of names etc, defunct loans for pennies on the dollar and use strong arm tactics to scare people into to thinking they owe money when they do not! They also go by other entities such as XXXX where some angry female calls to let you know you need to lawyer up and they will come after you since they state you meaning me has a criminal record! I will provide the list of names and promises this so called company promised. Once payment was made the final paper work and title would be released. That never happend. They had pertinent info from the original loan with XXXX XXXX but only enough to look legitmate. Here is the following information on Asset Recovery Associates or now XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX ; Phone # XXXX, FAX XXXX ; XXXX XXXX Account Number they are using ; XXXX ; Balance {$3500.00} and the newly Assest Recovery Associates ARA # XXXX ; settlement {$800.00} ; Collection Manager XXXX XXXX. Who everytime I call back to get a hold of him he is always conveniently busy, in a meeting, in the bathroom, on vacation, basically never there! His so called manager is XXXX XXXX. They have a website that does nothing. I have also filed a police report with my local office in XXXX, MI. The officer took it upon himself to also call Asset Recovery Associates identify himself and they conveniently hung up on him! They now are calling back stating they are XXXX and some very angry female proceeds to make threats and once again some fake case number!
Product: Debt collection

I received a notice that I purportedly owed a debt of XXXX dollars. After examining the info sent, the attached invoice showed only XXXX dollars. After a few days and consulting with the company that claims I owe the money, they claim I owe only XXXX dollars. The invoice sent by TSG Collections was for an entirely different individual with their address and name. So not only was there an incorrect amount on the claim letter, but it also had the statement of an entirely different, uninvolved person. 

I also needed to send an email a certified letter and still had to call them to be told they would give me a corrected amount. I am still waiting to receive that information despite them having my email information.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I 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: Credit card

I have a credit card with Citi Bank that I opened in XXXX of XXXX. I have been using this card, and paying on it regularly. I recently called to open a checking account. Through the process, they were unable to locate any accounts with them using my social security number. Through other verification methods, they were able to locate my credit card account. I was transferred to the credit card department to see why my ssn was not pulling that account. They confirmed, my ssn was not info that would verify this, and transferred me to the fraud department. They also confirmed this. I was advised that there was a ssn attached but was not what I provided. I asked if it appeared that there was a typo, or off by a digit. The rep advised no, that the ssn was completely different, and no way could be a typo. Now I have to go through a process to verify my identity with them. The concern is that somehow, someone elses ssn is on my credit card. As I began to ask questions as to how this could happen, they basically shut down, and told me I need to complete the identity verification. This needs to be officially investigated to determine how this happened, the misuse of sensitive information, how many other accounts are affected, and appropriate penalties and consumer disclosure of this breach has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian adhered to my demand of removing XXXX  or from my consumer report then a few days later placed it back on as verified. I was never given further information as to how this alleged debt was validated. Im lodging a formal complaint for the PERMANENT REMOVAL AND BLOCKING OF ANY ALL ALL REPORTING FROM XXXX XXXXXXXX.
Product: Credit card

I purchased some appliances at HHGregg in XXXX around a year ago. The salespeople told me you can save some money if you open up a credit card account with them interest free. I did open up the account and have been making all my payments. Last month I was shocked that my balance went from XXXX to XXXX. The salespeople did not explain that my interest free account was not really interest free but deferred. The place of purchase is no longer in business and that store is closed. I in good faith took the interest free card and was looking for my final payments in a few years. 
This amount of interest is unethical. The loan if I keep making payments will never be paid off. I am retired and this interest amount amounts to over 6 weeks of my pension. 
I honestly believed that my loan was interest free like the one I have with Solid Wood Cabinets through XXXX XXXX. I feel deceived by the pressure to purchase a credit card not knowing the deferred interest clause.
Product: Credit card

Dear Settlement XXXX, My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I am writing to formally request my claim as an Eligible Settlement Class Member under the various Wells Fargo settlements related to the following issues : Excessive overdraft fees Unauthorized identity theft product enrollment Improper credit card fees GAP insurance fees Unauthorized account opening As part of a fair resolution, I respectfully request full reimbursement of all applicable charges, along with any accrued interest or penalties that should have been credited to my account over time. 

Wells Fargo has reached multiple settlements addressing these matters, including : XXXX : {$140.00} XXXX class action settlement ( unauthorized account openings, improper credit card fees ) XXXX : {$3.00} XXXX federal settlement ( criminal and civil resolution for fraudulent practices ) XXXX : {$3.00} XXXX CFPB settlement ( excessive overdraft fees, GAP insurance fees, mortgage mismanagement ) Additionally, Wells Fargo wrongfully closed my CREDIT CARD This action has caused me severe financial hardship, and I have never been reimbursed for these funds. 

Beyond the financial loss, this situation has caused considerable emotional distress. I am deeply concerned that my personal information may have been compromised due to Wells Fargos past data breaches. I have already suffered from false allegations on my credit report, leading to denied credit opportunities, increased interest rates, and other financial setbacks. 

To fairly address the financial and emotional damages I have endured, I am requesting the following : Full reimbursement of the funds wrongfully taken from my account, including accrued interest. 
Compensation for financial hardship caused by credit denials, increased interest rates, and penalties. 
Damages for emotional distress, stress, and fear of identity theft. 
Restitution for any unauthorized fees or wrongful charges applied to my accounts. 
If a fair resolution is not provided, I will consider seeking legal counsel to escalate this matter further. Please advise on the next steps for processing my claim. Additionally, if a formal written request is required to claim any uncashed settlement payments, kindly provide the appropriate contact details and mailing instructions. 

I appreciate your prompt attention to this matter and look forward to your timely response. 

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

I received a credit report dated XX/XX/XXXX. I disputed a bankruptcy on my Equifax Credit Report. I noticed that they did not add the sentence that this item was disputed by the consumer. As soon as I complained about the missing information on that dispute. Equifax sent me a new credit report backdated XX/XX/XXXX. On that report they backdated it with the up to date information. Showing that they had added the information in enough time. This backdated report had an up to date confirmation number. Equifax has committed fraud for changing information by backdating the Credit Report to show that they had put the information on the credit report in enough time. They also stated that they had an up date from XXXX XXXX, this also is incorrect. I opted out of there system in XX/XX/XXXX.
Product: Student loan

I have XXXX for XXXX years and my loans shouldve been forgiven and theyre still showing on my credit report Its XXXX loans = {$35000.00}
Product: Checking or savings account

I had disputed transactions from XXXX to my bank on XX/XX/2019 for charges made from XX/XX/XXXXto XX/XX/XXXX. I was told that I may not receive money back for the really old transactions but would be credited immediately for the most recent/60 days transactions. I was only credited for the older transactions. I called and they told me that they credit the older transactions first, then the newer ones in a few months. So it's a few months later and I notice they closed my dispute out and haven't credited me for any of the more recent transactions, equaling approximately {$750.00}. In which I'm sure they had declined/rejected payment to XXXX XXXX  for this. I called again and they stated I'm pretty much screwed out of that money because the initial charge was made back in XX/XX/XXXXor XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act : XXXX XX/XX/XXXX XXXX Inquiry, Credit XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA Fraud Inquiry XX/XX/XXXX XXXX XXXX XXXX  Fraud XXXX XX/XX/XXXX XXXX  FINANCIAL FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX BANK NA /FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY XX/XX/XXXX Bank of XXXX FRAUD INQUIRY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  FINANCIAL/FRAUD INQUIRY XX/XX/XXXX XXXX  XXXX AUTO XXXX INQUIRY XX/XX/XXXX, ARKANSAS XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX Bank of XXXX XXXX XXXX XXXX AUTO FIN/ FRAUD INQUIRY XXXX XX/XX/XXXX, ARKANSAS XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX Bank of XXXX FRAUD XXXX # XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX # XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX : XX/XX/XXXX CAPITAL XXXX XXXX TD XXXX XXXX XXXX XXXX XXXX FRAUD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX  CCARD/ FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX XXXX/FRAUD INQUIRY : XX/XX/XXXX XXXX  FINANCIAL/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : XX/XX/XXXX ARKANSASXXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX BANK/ FRAUD INQUIRY : FRAUD INQUIRY : XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX/ FRAUD INQUIRY/ XX/XX/XXXX XXXX/XXXX/ FRAUD INQUIRY : XX/XX/XXXX XXXX XXXX FRAUD INQUIRY : ACCT # XXXX, XXXX XXXX FRAUD ACCT # XXXX XXXX / FRAUD ACCT # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 


XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy on my credit report and noticed i have fraudulent accounts on my report, please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Mortgage

I have had a home mortgage with CIT Bank since XX/XX/XXXX. Recently i refinanced that loan and the loan amount with CIT bank was paid off on XX/XX/XXXX. At that time my loan had an escrow balance of {$7300.00} which I should be refunded. Since then i have been trying to call CIT bank and XXXX the servicing company used by CIT bank and have not been able to speak to a customer service representative to understand how i will get my escrow balance back.
Product: Checking or savings account

On XX/XX/2020 I discovered the BMO mobile app had an error message that prevented me from using my debit card. I called BMO customer service and met silence. On the following day, XX/XX/2020, I called again and was directed to the fraud department, which I was told to call by number. I called the number given to me and had to leave a message on their voicemail. The next two days, XX/XX/2020 and XX/XX/2020, were weekend days so the department was closed, leaving me no access to use the money in my account. On Monday XX/XX/2020 I went to the nearby branch to discuss this issue in person. The person who had helped me was informed that my account was suddenly considered high risk which left me no ability to use the money in my account. Angered, I called the fraud department ( who I was told was the only person who had the ability to resolve this issue ) multiple times that day only to be met with yet more silence and even more messages to voicemail. I still have not had any luck speaking with a person about this problem and am very displeased by the treatment I have been given. This was the first time I had any problems with BMO Harris however the fact I was unable to speak with the person who was supposed to be helping me left enough mental and emotional damage to warrant this big of a complaint.
Product: Debt collection

On XX/XX/XXXX Hyundai Motor Finance hired XXXX XXXX to repossess my XXXX XXXX XXXX due to past due payment of XXXX. 

XXXX XXXX then hired XXXX XXXX to recover the vehicle. 

On XX/XX/XXXX, I called the reinstate my department and paid the past due amount of {$920.00} plus {$420.00} totaling {$1300.00} to reinstate my services for said vehicle. 

I picked up my vehicle on XX/XX/XXXX and paid an additional {$200.00} for storage fees at XXXX XXXX. 

On XX/XX/XXXX, I made my regular monthly payment to Hyundai Motor Finance in the amount of {$480.00}, which now bought my account to XXXX balance. 

On XX/XX/XXXX, I logged into my XXXX Account and notice the amount due was {$630.00}, I spoke to XXXX from XXXX  Department who informed me the additional {$150.00} was due to XXXX XXXX charging additional fees for a flatbed. I immediately informed them this was false information because they used the standard tow truck. I informed them I have a video from my security system. 

I was told i need to Pay it until it is resolved as now my account has been placed in collections. 

I called XXXX on XX/XX/XXXX and filed a claim along with both videos of the said company committing a breach of peace by ringing my doorbell and demanding my vehicle keys. I was told that if I didnt give them the key, they would have to cut a key and I would be charged an additional {$120.00}. I have them the key and they used a standard tow truck. 

I called back on XX/XX/XXXX and requested a supervisor and spoke with XXXX and I asked to have this issue resolved. She placed me on hold and the call was disconnected. 

On XX/XX/XXXX I personally called XXXX XXXX and spoke with XXXX who informed me that she received a Disput from ALS ON XXXX. She stated she sent in the charges not for a flatbed and she claims she told them there was no flatbed used. 

This is a violation, according to 15 US 1692 using false deceptive practices. 

XXXX is also in violation as they have me collections for false document ion and not investigating. Each day this is in collection is a fine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Miscellaneous information reporting by XXXX XXXX Bank. 

I spoke to several representatives at XXXX XXXX Bank and they stated they are not reporting any information, yet there is negative information reporting on my account. 

They stated they do not have any information expect from an account in XX/XX/XXXX. All representatives stated they are not reporting and no longer even have access to the old account. 

However, on my credit reports, a miscellaneous XX/XX/XXXX and XX/XX/XXXX show XXXX XXXX Bank XXXX reporting late on payments. 

I do not have an account with XXXX XXXX Bank XXXX and they admit I do not have an account with them but will not remove the inaccurate reporting. 

People I spoke with at XXXX XXXX Bank XXXX, XXXX ID # XXXX ; XXXX ID # XXXX ; XXXX ID # XXXX ; others refused to provide names or ID numbers. 

All XXXX XXXX Bank customer service representatives stated XXXX XXXX Bank XXXX is NOT reporting to the credit agencies, but refuse to address the issues where someone from XXXX XXXX Bank XXXX is clearing reporting incorrect information.
Product: Credit card or prepaid card

I am would like to file a complaint against American Express. I have received the worst treatment from them. I had two accounts with them that were both in good standing. They have recently closed one of them due " changes in my credit file '' yes my utilization has gone up but I have 100 % on time payments. Then to add salt to the wound they decided to lower my credit limit. I have never been late with them or anyone of my creditors. Yes, I have a lot of usage on my accounts but they offer rewards and other perks so that's why I use my accounts. I have recently got a raise from my job and decided to request a credit limit increase on the one account I have left with American Express instead they decided to lower my credit limit from $ XXXX to {$800.00}?? They are my lowest credit limit I have limits from $ XXXX $ XXXX on my other creditors. I have called customer service and get the run around from them. I am very upset that they do not value me as a customer. I spoke to a supervisor today XX/XX/2020 who said I need to send in documentation for my account to be re-reviewed. I am not sending in anything I don't feel like I have to go through hoops when I have been in good standing. I will just pay them what I owe at this point. I extremely dissatisfied that my level of business is not good enough for them but my other creditors seem to appreciate me. Please look into this
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX