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

I have notif ies Eqifax on multiple oc casions that my report does not reflect any of my credit accounts, they dont give any information on the phone and keep directing me to the creditors who say they are reporting. My accounts shows up on other repoting agencies.
Product: Credit card or prepaid card

I contacted Amex on XX/XX/19 to apply for the XXXX XXXX XXXX card. I understand I am not permitted to apply for this card if I had other XXXX cards in the past. I have never applied for any XXXX card in the past. I quickly learned that I was not eligible to receive the 75,000 bonus, despite advertisements as such. I called Amex 3 separate times. I had the call hung up on me 2 of the 3 times. Every representative had no  explanation for me as to why I was denied. I called again on XX/XX/19 and spoke to 5 different agents from different department. They were supervisors and agents and customer service. One representative told me that there are no violations posted on my account and that he does not understand why I would be denied the bonus offer. I was told my another representative that the bonus offer is expired. However, I have friends that recently applied for the same card and was accepted. I spent approximately 1 hour on the phone with Amex on XX/XX/19 to no avail. Each time, I was told they have no explanation why I was denied. I relayed that I believe this was false advertising and a potentially discriminatory practice. Not a single Amex employee had any kind of explanation. Please assist.
Product: Mortgage

Due to the Covid outbreak I could not pay my lender, The Money Source ( loan # XXXX ) my XXXX payment of {$950.00}. I called them on several occasions only to incur very long wait periods. When I couldn't get through via the phone, I took to e-mailing them. They said that they would reply back within 48 hours, but never did. I was fortunate enough to have been able to sell my property. The closing date was on XXXX XXXX, 2020. I paid The Money Source {$120000.00}. they were paid in full. I have never missed a payment in the 3 years that I have had this loan. At closing I noticed that the pay off was far different from my XXXX Statement. Not only did they report me to the credit bureau for missing XXXX 's payment, but they charged me {$2100.00} more because I missed 1 payment. I'm sure that they are entitled to the XXXX payment and a late fee, but they have charged me {$1200.00} worth of interest. I thought at the time of closing that they were also charging me XXXX 's payment even though I e-mailed them and told them that they would be paid in full on the tenth. Today XXXX XXXX I called the Money Source and explained my dilemma. Their reply was that the additional {$1200.00} was an interest payment. I'm sorry, but I've been making my mortgage payments, while struggling through Covid. I had to sell my house because I could not afford to live in it anymore and they go and ding my credit and charge me an outrageous amount, all because I missed my last month 's payment.  The fact that they went to the Credit Bureau without replying to me is ridiculous. I didn't receive any certified letters stating that I was delinquent. I also had a problem with them paying my insurance policy on time. I received notice from my insurer that XXXX XXXX XXXX had not delivered the funds which were in escrow. It was rectified, but maybe the insurance company should have charged them interest. This is a HUD loan.
Product: Credit reporting or other personal consumer reports

To whom this XXXX concern, my name is XXXX XXXX XXXX this is not a 3rd party filing this Notice.

According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. The permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.
Product: Debt collection

I sent in XXXX written request for the company to remove the unverified account that was on my credit report in violation of 15 U.S.C. 1681 or provide me proof of verification. 


In the results of the XXXX investigations, they stated that they " verified '' that these items are being " reported correctly ''. but they didn't provide the information i requested as to Who in their company verified these accounts. How they verify them, The name of the individual, business address and telephone number of the person or business contacted during your reinvestigation. Or they didn't Include the documentation that was used to verify the dispute. 

XXXX and XXXX removed this account from my credit report because it's not my debt and its unverifiable.
Product: Student loan

Good day, In XXXX, after going back and forth with Navient about getting an affordable payment arrangement, I was offered a plan called the Structured Rate Reduction program. This plan was for the life of the loan, ending XX/XX/year>. I have emails and documents to prove it. I enrolled in autopay and was told that I can not miss a payment or go on any time of deferment because that will jeopardize my enrollment in the program. I never missed a payment, enrolled in autopay where I was paying {$240.00} a month faithfully. During XXXX  when I was really struggling I still made sure to pay Navient because I needed this program. 
Last week I received an email that my program is coming to an end! I was confused and found the paperwork that says my loan agreement term is until XX/XX/year>. I called Navient today and they told me that there is nothing they can do for me. I explained the situation and told them I have the documents that say my program is supposed to end in XXXX. I asked for other options and they said that they dont see an option for me to be on a rate reduction program anymore but I should call back next month. I am so upset. I am on a tight budget and its a fact that they lied to me. Not only did they stop my plan but they couldnt give me a better option and I dont know what to do. I can not afford a higher payment. I am uploading proof of what I am saying. This is a horrible business with no respect for their consumers
Product: Debt collection

i am getting unwanted e mail from capital one, and i would like it to stop. i am on ssi, and so my income is federally protected from any action.
Product: Student loan

Attended an online university as well as a normal brick and mortar school. Realized the education being offered was not quality and was not teaching me anything more than general knowledge that could be found anywhere. Teachers were not real. My wife and I attended the same university at the same time. The online professors were giving us the same responses verbatim proving they were not actual responses. I feel tricked and wronged and I do not feel entitled to repay the amounts as I never recieved what I was attempting to pay for.
Product: Money transfer, virtual currency, or money service

XXXX XXXX  -a payment of was sent to the wrong recipient. Support was notified immediately. No response was provided until XX/XX/2023. The advice given was that a refund could not be refunded because the transaction was completed on XX/XX/2023. The transaction was actually showing as pending. Support instructed me to request a refund from the ( incorrect recipient ) recipient. I requested the refund on XX/XX/2023, the same day the money was sent. Request was denied by the recipient after 2 weeks of waiting. I've sent refund request again and continued to contact support. The transaction was shown as completed once the refund was declined. The was in a virtual holding spot for several weeks and has not been refunded. Please assist with the matter.
Product: Credit card or prepaid card

I signed up for a Care Credit account via Synchrony Bank in order to utilize it for medical expenses, mainly for the eye doctor. I was initially on autopay, but began manually making payments after a while. I was consistent for quite some time and realized that my balances were barely moving after 6 months. I started noticing outrageous interest rates and ridiculous miscellaneous charges. Still, I continued making my payments. Three weeks ago, after making a payment, I misplaced my debit card used for the account. This caused a chargeback. I called customer service and was told about the chargeback, causing me to promptly update my card information. Due to an issue with my zip code, the payment was charged back a second time and a late fee was added. I then made an ACH payment to ensure that there would be no more issue with my payment and it went through. My account was once again in good standing. This morning, XXXX emailed me about a closed account. Lo and behold, it was CareCredit. I contacted them through their live chat only to be told that their company cancels accounts that receive two chargebacks within a 24 month period. When the representative asked if she could help me any other way, I explained that this policy was never communicated during the process and should have be reiterated when I first spoke with customer service after the first chargeback. She in turn says have a nice day and ends communication with me. Worst experience Ive EVER had with a creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days

, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications w
ith XXXX XXXX, Equifax, and XXXX claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Product: Student loan

I am on a repayment plan income driven and my payments are {$0.00}. On my credit report my score keeps dropping because Navient keeps reporting my balance increase. I contacted Navient and they keep telling me they are not reporting and there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX and myself! Please send the proper validation
Product: Vehicle loan or lease

Dear Sir/Madam, My lease ended with Toyota Finance years ago. I currently have my vehicle financed by TD Auto Finance. On XX/XX/year>, I was trying to pay TD Auto Finance the sum of {$680.00}, being the monthly bill. Unfortunately, I sent the money to Toyota Finance. It took a while before I figured out the mistake, and when I reached out to Toyota Finance to refund my money, they refused. This incident happened almost 2 years after my lease with Toyota Finance ended. This is the second time I'm filing this complaint. Unfortunately, I didn't realize that Toyota Finance is independent of each other. But now, I have the correct address. Please help me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : # XXXX, Account name : # 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 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: Money transfer, virtual currency, or money service

On or about XX/XX/2021 I fell victim to two multilayered scam operations run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my EASTWEST account to these fraudulent investment companies. 
Due to personal circumstances I was particularly vulnerable during this period ; I was also relatively financially illiterate and very inexperienced in the finance sector which made me a prime target for criminal enterprises in this field. Details of my case can be found in the attached
Product: Credit reporting

Despite several letters to Transunion regarding the following issue, they have failed to respond specifically to my complaint. 
They list an account, XXXX XXXX XXXX XXXX, with an " open-collection/charge-off '' status and show that the amount owed is XXXX % of credit utilized. This obviously and significantly impacts my credit rating. 
The problem is simple : if this account is in " collection and has been charged off '', there is NO AVAILABLE CREDIT and therefore a percentage of credit utilization is both misleading and inappropriate. I have addressed this to TransUnion several times with no success. XXXX, on the other hand, immediately corrected the problem. 

Please help.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to relay my recent experience with Alliant Credit Union I took out a car loan with Alliant approximately 4 years ago because the interest rates were so low. Payments were coming from my personal account on time every month. 

I use the car primarily for work and thus most recently switched the account to my corporate account. I received an email from Alliant on XX/XX/XXXX ( which I have proof-the actual email ) suggesting that there has been some fraudulent activity, and thus I was not taking calls from Alliant. My office manager put a stop hold on the payments to Alliant without my knowledge and thus my loan was overdue. I personally called their loan department 2 weeks ago to XXXX ( that is his name ), and he was extremely pleasant and offered to follow up with me, but he never did. 

I received a call from XXXX XXXX last Thursday. He was extremely rude and threatened to repossess my car. Because I no longer wished to do business with the bank, I immediately wired over the balance of {$38000.00} of my loan, which is what XXXX rudely told me to send over immediately or he would repossess my car. I tried to get an explanation of why I overpaid, as my ending balance on my statement was only {$37000.00}. I asked them to pay the difference to be paid back to be immediately. He also sent my information over to the Credit Reporting Agency, and since I monitor my credit ( which is over 740 ), I found out about it. My credit is now ruined because of the actions of the bank. I have notified them and sent over proof and they have done nothing.
Product: Debt collection

On my credit report is a collection from a company called FCO. I have never heard of them. Nor do I believe this debt is accurate. I looked FCO up online and found their contact info. Referencing the FTCs website, wrote them a debt validation letter. My letter refers to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). It specifically asks FCO what the debt is for, how FCO calculated the debt, proof of any document with my signature, proof the statute of limitations has not expired, and proof FCO is licensed to collect this from me. In the attached letter, they responded with a vague response, a balance, and a statement saying I owe the debt. They provided no contract and/or proof that this debt is mine! Consequently, Im formally requesting you contact this collection company and have them send me a confirmation this debt has been removed from their system. I want to be assured I am not responsible for a debt FCO can not legally prove is mine.
Product: Money transfer, virtual currency, or money service

Currency exchange rate is outrageous. around 25 % higher than rate quoted one day earlier under promotion. the exchange rate for the country of XXXX has been stable for decades around XXXX. 
Western Union gave me a reasonable rate of XXXX XXXX XXXX USD = XXXX AED on XX/XX/2023 this transaction failed because of the name being misspelled. when I attempted to correct the name I was not able to and was directed to cancel and make new transaction at this time I was quoted Exchange Rate of a ridiculous XXXX!!!! 
I called attempting to correct and the answer was Western union sets up the rate on daily basis. 
I find this practice to be unfair and deceiving. and will never do bussiness with XXXX again
Product: Credit card or prepaid card

My intent to file a complaint against Great American Finance Holdings, LLCs ( GAFH ) due to the inaccuracy of my credit statement balance based on a promotional purchase at XXXX XXXX XXXX on XX/XX/XXXX. The statement balance reflects monthly interest charges that should not be applied until XX/XX/XXXX. On XX/XX/XXXX, I reviewed my statement balance which included an interest charge of {$46.00}. It was my understanding at the time of purchase that the promotional period included 12-months with no interest. On this same day, I called GAFH speaking with a representative to attempt to clarify or resolve. The representative informed me that the amount in GAFHs records reflected the interest free period with an amount of approximately {$2300.00}, which was different than the amount on my statement {$2400.00}. Based on my statement, GAFH is breaching the promotional period with indicating a balance that included the interest charge into the new balance. GAFHs practice may inadvertently and unintentionally cause consumer overpayment due to a violation of agreed upon promotional term conditions. This oversight may appear that GAFH engages in predatory lending practices. As of XXXX XXXX, I have received no response from GAFH LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my file. I did not make the charges. The information listed in IDTheft Report does not relate to any transactions that I have made. It is the result of Identity Theft. Also, I noticed a few inquiries that I never authorized. I have heard of companys pulling your credit without permission and I know that it is not allowed.
Product: Money transfer, virtual currency, or money service

{$4800.00} was supposed to be deposited into my account with chase bank on XX/XX/2021. After verifying with the customer service with representative ID of XXXX, they assured me that the amount will be deposited, however, the deposit was rejected by the bank and IRS issued me a paper check. Currently, they do not process my check and they refuse to open an account for me after closing my previous account due to overdraft charges so I can not deposit the check from IRS. 
I have spoken to two other supervisors with Chase bank : XXXX and XXXX. They both refused to tell me why the deposit was declined.
Product: Debt collection

Approximately the middle of XXXX I noticed a collection on my credit reports for {$400.00}. The original creditor was charter communications and the debt collection agency is under IC systems LLC.

I contacted charter communications twice and they stated they could not find an account with any information. Since it had been so long XXXX years, the account was archived and they asked me to contact the debt collection agency. I then contacted the debt collection agency in which they told me the account had been deleted from them in XXXX. I asked why it was still on my credit report and they said they could not give me any information since the account was deleted and I should contact charter- even though I already did twice. Neither company can provide me an account number, statement, or what the debt is for. When I closed my chart account more than 4 years ago, I paid them in full and returned all equipment which was picked up by one of the charter associates. I want this removed from my credit report but nobody is any help. I then contacted experian about this and filed two disputes with them where they come back as a valid account even though nobody can give me the information on this account. The experian representative recommended I reach out via this website for a complaint.
Product: Credit card or prepaid card

I had closed my credit card with ContinentalFinance and they sent me a refund check-XXXX for {$50.00} which bounced onXXXX and i was charged {$15.00} for the check bouncing.I wrote to Continental finance at their XXXX, DE and requested a {$15.00} refund for the bounced check two weeks ago-never received a response from CDontinental. I would like to be refunded {$15.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Quality Asset Recovery to verify the debts of the said creditor ( XXXX XXXX XXXX ) for several months. I have not received any notification or proof of owed debt.
Product: Debt collection

randomly all of a sudden received a paperwork at the door by some one unknow that I am being sued. XXXX XXXX  from zwicker & associates pc XXXX XXXX XXXX  XXXX XXXX XXXX tx XXXX .behalf of XXXX XXXX XXXX XXXX. Amount is extremely high. i dont have job and currently going to an institution to find some for future. due impacted by pandemic. i cant even my bills on time evacuating in two moths before eviction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my metro 2 compliance about in accurate information reporting on my report I haven't got a responds and will like to get errors remove off my report