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

I traded in a vehicle to my local dealership this week. The original loan I used with this vehicle was through Santander. A year after I owned this vehicle I refinanced the loan through another lender due to high interest rates Santander provided. When going through the paperwork to trade in my 2013 XXXX XXXX, the dealer looked up lien information for the vehicle. Turns out Santander never sent a lien release to the state of Georgia for the original loan. So when the dealer looked up lien information it shows multiple liens on this vehicle. They are holding my vehicles title status hostage. When contacting Santander Title Department to get this situation rectified, the customer service representative I originally talked to was extremely rude and condescending. She even said she would not help us or provide information. I need this rectified, the dealership is in limbo and I may be out a trade.
Product: Payday loan

I ca n't believe how much interest rate I was charged for a XXXX dollar loan I was charged XXXX dollars in interest that 's 360 % I have paid off my loan. I hope you can do something so some one else from being taken advantage of.
Product: Credit reporting

Experian refused to provide free annual credit report through XXXX. No explanation given, simply we are unable to fill this request. 
The refusal screen provided the option to buy Experian credit report and scores. Experian is not meeting its obligation to provide a free annual credit report. 
Experian is deceptively using the XXXX website to sell their products.
Product: Checking or savings account

On XXXX XXXX, 2024 I made a purchase from XXXX XXXX for {$130.00} The agent at US bank says the transaction was authorized Authorized approved : XXXX {$130.00} However, XXXX XXXX says that there is no such approval or order confirmation on their end. 

US Bank representative, kept blaming my notification settings was the issue. She kept stressing that because I didnt have my phone number selected for notifications. That was the reason why that I was not getting any of my transactions approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX changed their account spending limit ( ASL ) fee which is a breach of contact therefor this debt should be removed. Other customers we allowed to canceled without penalty due to this change in contract, I am request this debt be remove from all three credit agency 's
Product: Debt collection

I HAD BEEN CONTACTED BY XXXX XXXX  XXXX NOTIFYING ME OF AN ACCOUNT OPENED UNDER MY NAME SOCIAL AND INFORMATION. I STATED TO THEM THIS DEBT DIDNT BELONG TO ME THEY INSISTED I PAID. I ASKED THEM FOR PROOF VALIDATING DEBT THEY SENT ME STATEMENTS. I TOLD THEM THAT I NEED PROOF BEARING MY SIGNATURE WET INK. NEVER HEARD BACK FROM THEM THEN MIDLAND SEND ME A LETTER THROUGH XXXX STATING THEY WOULD SUE ME FOR THIS DEBT. THEY CALL ME OVER ONES A DAY AT DIFFERENT TIMES OF THE NIGHT. THEY'VE CONTACTED MY BOSS, AS WELL AS RELATIVES, TRYING TO SPEAK TO THEM ABOUT THIS FRAUDULENT TRANSACTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that my personal information and my credit file have been leaked. 
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority.

Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
Accounts XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit card

Back in XXXX, I noticed that there was an additional fee on my statement which turned out to be a " paper statement fee ''. I never agreed to pay this and the company is erroneously claiming that this was an increase in my minimum payment. statements, it is clear that this is an added fee. On or around XXXX XXXX, XXXX, I called and had the fees waived. The company is now charging late fees on the " paper statement fee '' that was waived. They removed XXXX of the late fees but refuse to remove any others. They have marked my account as delinquent and transferred it to their collections department. They are also charging interest on the late fees. I attempted to resolve this through their online chat ( I do not recall the date ) but had no success. When I called again today ( XX/XX/XXXX ) they tried to tell me that I had not made my minimum payment and that's why they will not remove the late fees. I have made every payment that I have been contractually obligated to pay and each payment was made BEFORE the due date. They are claiming that I did not make my minimum payment because I had not paid the " paper statement fee ''. They are trying to argue that the terms of my account changed but that is not correct ; they simply added a fee without my knowledge or consent.
Product: Debt collection

collection agency has called repeatedly to collect a debt that is not mine. the agent has threatened to come to my place of employment to collect should i not provide payment immediately. at times has left voicemails identifying themselves as a 'goverment agency ' or court clerk.
Product: Credit reporting or other personal consumer reports

please remove the LATE FEES on the closed policy please. per the UCC 15 U.S. Code 1666b - Timing of payments U.S. Code ( a ) Time to make payments ( b ) Grace period PLEASE REMOVE LATE CHARGES ON ALL ACCOUNT LISTED
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my dissatisfaction with the repeated attempts to rectify the late opening of my account with your institution. I opened an account with your branch, and unfortunately, I have encountered several issues that have not been adequately addressed. 

Despite my best efforts to resolve this matter through various channels, including phone calls and in-person visits to the branch, the late opening of my account persists. I have attached copies of the relevant documents, including the account opening paperwork and receipts, for your reference. 

I understand that issues may arise, and I am willing to cooperate to resolve this matter amicably. However, the lack of progress and communication regarding the status of my account is both frustrating and concerning. 

I kindly request that you investigate this matter promptly and provide a detailed explanation for the delay. Additionally, I expect a clear timeline for the resolution of this issue. I believe that transparency and effective communication are essential in maintaining a positive customer relationship. 

If this matter is not addressed within the exact timeframe from the date of this letter, I will be left with no choice but to escalate my complaint to the appropriate regulatory authorities. I am asking for your assisstance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$75000.00}.
Product: Credit card

On XX/XX/year> an unauthorized transaction was made from my Chase Checking account to a merchant named XXXX XXXX using XXXX XXXX. The amount was for {$50000.00} and it was posted on XX/XX/XXXX. Immediately I filed a complaint with my bank and was denied because they claim since it was XXXX XXXX it is with face recognition. The issue here is that they are aware that my phone, wallet and credit cards were all lost and they can verify that through a police report that I filed on Wednesday XX/XX/XXXX, it is possible to use my phone with face recognition if the person also has access to my photo ID, as I was told by the police officer that took the report. Chase told me I could not even appeal their decision that I had to take it up to XXXX XXXX.
Product: Checking or savings account

I called my loan company on XX/XX/XXXX about the debit from my account due the following day. They informed me they had already contacted my bank and there was nothing they could do to stop it. They then advised me to contact my bank and order a stop payment order. I called my bank, Fifth Third, and ordered my stop order and paid the {$33.00} fee for it. I was guaranteed by two separate banking associates that this would work. I was also advised that the amount will still be debited from my account but that the day after the debit occurred that I would be refunded the debited amount. This has not happened. My account is now negative due to them not crediting my account like they told me would happen. Now they are saying that stop payments arent guaranteed and there isnt anything they can do. If they arent guaranteed then why did I have to pay them for a service that might not work? I wont get paid until another six days so my account will accrue late fees each day due to this error, even though I went through all of the necessary steps to stop a single payment with the authorization from the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I got a targeted mailer for a {$450.00} bonus w/ the following terms : XXXX $ XXXX within 20 days and keep the balance for the additional 60 days. I've attached a picture of the mailer to this complaint The account was opened on XX/XX/23. XXXX terms stated the offer doesn't expire until XX/XX/XXXX Additionally, I've attached the chat of the cs rep confirming I was properly enrolled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously requested that you investigate my Credit File and correct any erroneous information that you may find, But upon checking my Updated Credit Report, I see here that you have done no changes nor updates at all! Let me remind you that according to the XXXX XXXX XXXX XXXX XXXX XXXX, you are required to investigate and update, correct, or remove erroneous information being reported on my XXXX XXXX. You have not complied with the XXXX XXXX and continued reporting the disputed items as if these are verified. Under the Fair Credit Reporting Act, I request XXXX you to please correct my Credit File by updating or removing the following items off from my Credit Report : XXXX XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$1300.00} XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

The following have violated my rights : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 consumer reporting agency can not furnish an account with my written concern.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old information keeps reappearing. XXXX XXXX XXXX XXXX charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus XXXX XXXXXXXX is showing it open when charged off 4 years ago. XXXX XXXX needs to report correctly with a XXXX balance cause they got their money for this XXXX and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
Product: Credit card or prepaid card

When I made the purchase we agreed upon $ XXXX {$40.00} a month until the {$1500.00} was paid off. My 1st payment seemed fine I paid {$43.00} XX/XX/21 even though I paid my amount they attempted to pull the full XXXX balance from my account. I called in no one understood what was going on said it was a glitch wouldnt happen again. I get a text saying my next payment will be for {$88.00} they explained that the amount inflated no where in my contract was that correct. The manager basically hung up in my face and never called back then collection calls start they attempt to take XXXX again for the XXXX still implying its a system issue i remove my autopay at this point. They said my balance was XXXX i paid it never posted, now they say i owe for two months a payment of {$88.00} and {$39.00} no one can explain the amounts and its not whats agreed upon in the signed contract.the company is unethical and untrained to deal with the ins and outs of an account they are really rude and are not helping just swindling the consumer by the way she said i had to pay the late fee before it was waived. I need help with this as today XX/XX/21 Im still being treated this way i just want to make a payment not teach Fortiva customer service and support.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a copy of my credit report and noticed some accounts that were not mine. On XX/XX/XXXX I sent in some dispute letters to the three credit bureaus ( XXXX, XXXX and Equifax ) asking to validate the inaccurate information on my credit reports especially the accounts that were not mine. I know they have 30 days to respond so I waited. I did not recieve any response from my investigation request but from XXXX. XXXX sent me a letter stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. I responded back to them by mail that the letter cam from me and I would like to have the items investigated. Still no response. On XX/XX/XXXX, I sent another set of letters to all three credit bureaus asking for validation of the debt on the same accounts. I once again recieved a letter from XXXX stating they recieved my dispute but it didnt seem like it came from me but a credit repair agency, so they were not going to move forward with any investigation. Once again on XX/XX/XXXX, I sent another set of letters to all three credit bureaus on the same accounts. At this point, I feel my rights as a consumer are being violated any no investigations are being completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report I did not authorize the listed inquiries below please DELETE them from all three credit reporting bureaus due to Inaccurate Reporting I did not authorize any inquiries to be pulled either in writing, verbally or initialed. 
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the handling of my credit report dispute by credit agency. Despite my efforts to resolve inaccuracies on my credit report, I have encountered several issues that I believe warrant further investigation by the CFPB. 
Background : On [ XX/XX/year> ], I submitted a dispute to regarding inaccurate information on my credit report. The items in question were not properly verified, yet the agency concluded that the information was accurate. I am concerned about the thoroughness and accuracy of their reinvestigation process. 
Details of the Complaint : XXXX. Inadequate Verification Process : Despite my detailed dispute, the XXXX XXXX XXXX failed to verify the accuracy of the disputed information adequately. The verification process seems to lack transparency and thoroughness, which raises concerns about its compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Lack of Detailed Verification Methods : I requested a detailed description of the verification methods used by the credit reporting agency, including the specific procedures, sources consulted, documentation reviewed, and criteria for validation. However, this information has not been provided, despite multiple requests. 
XXXX. Timeline of Investigation : There is a lack of clarity on the timeline of the investigation, including key dates and actions taken during the process. This lack of transparency hinders my ability to understand how the investigation was conducted and whether it adhered to FCRA requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I lodged a complaint in the form disputes through their official websites. Against these Bureaus ( XXXX, TransUnion, XXXX ) more than a month ago regarding inaccurate and negative information on so called credit reports. but unfortunately, the inaccurate information on my report still remains on my report. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than XXXX days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the data leak and Transunion data breach.
Product: Debt collection

A company called north western services and a woman named XXXX called my employer on behalf of XXXXXX/XX/XXXX. This is the message. This message is for XXXX XXXX This is XXXX From Northwest Services Regarding case XXXX Seven For yourself for your attorney to contact XXXX XXXX Extension I did call back and she stated that I was being sued for fraud by XXXX XX/XX/XXXX and it was on file with XXXX XXXX and that I had to give them my debit information to my account to stop the calls to my job and so I wont go to prison. So I gave it to her. She said they will follow up with an email that I never received. 
I then reached out to a friend who works in a law office and she checked and there was nothing about a case against me for XXXXXX/XX/XXXX. And she told me to report this immediately. I did call XXXX back and said I want all communication to cease and desist and I do not authorize my card to be debited for anything. She continued to say i would be sued and my job contacted, at this time i hung up.
Product: Checking or savings account

On XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$200.00} and XXXX XXXX I was missing {$300.00}. I've tried to do a complaint to direct express they told me they have nothing to do with it that I have to get ahold of my paying agency witch is SSA. I called SSA they told me that once the funds are on the direct express card.SSA is not responsible that direct express is responsible for my funds being missing. Their both giving me the run a round blaming each other so here I am getting a hold of you guys CFPD. .PLEASE I NEED YOUR HELP
Product: Credit reporting or other personal consumer reports

This is my another 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. 
Chapter XXXX Bankruptcy XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$980.00}