23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I paid off this loan and it was overpaid by {$650.00} in XXXX. XXXX ( I think is Santander Bank ) said I would have the refund no later than XXXX XXXX. I called and they said they issued me a pre-paid debit card through XXXX, but I never received. I have called several times and have not been able to get my issue resolved or my funds released back to me. At one point they were telling me it was my responsibility to contact XXXX to get them to re-issue the debit card. When I called XXXX, it 's an automated voice response system that requires a XXXX digit account number. Because I never got the pre-paid card, I have no account number so XXXX could n't help me. I called XXXX back and asked for a manager and said if they did n't help me I would go to the CFPB and the agent said because I said that she had to hang up on me. I called back again and asked for a manager, who told me again I would have to go to XXXX. I told him that XXXX could n't help me and that I wanted to speak to someone above him. He then transferred me to the " office of the President '', where I left a message. Noone has contacted me back to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes ( XX/XX/2018 ), XXXX, XXXX, & Transunion have not investigated or responded to disputes of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent us a bill at the end of our car lease that was not disclosed when we turned our car into the local dealership, XXXX XXXX XXXX XXXXXXXX, who sold the original vehicle and originated the lease. The vehicle return was delayed for 2 months because of COVID-19. We moved house during COVID and XXXX XXXX did not update our address. They subsequently sent a {$450.00} fee for the end of our lease that we did not receive as we moved and the bill was not forwarded by the USPS. XXXX XXXX has now predatorily and very unfairly reported the payment as 30 days late and negatively affected my credit score. XXXX refuses to waive the negative credit reporting and understand that we had moved, we are dealing with a pandemic and we have two hard working taxpayers working from home trying to raise XXXX kids under XXXX while working. This is grossly unfair in the first place, but even more unfair that XXXX XXXX refuses to correct its credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX XXXX  ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to create an account at Experian.com to verify my existing credit freeze. Despite providing all the necessary information, the web site consistently replied saying there was an error servicing the request. I was in a browser without any blocking extensions and no VPN. 

I then called the telephone number given and went through the prompts to try to talk to a representative. It refused to transfer me to anybody, instead telling me it could send info by mail or to give me the website again. 

This is outrageous and unacceptable. They seem to be deliberately blocking people from accessing their site verify a credit freeze. I have talked with other people having the same problem.
Product: Credit card

Near the end of XX/XX/2016, my XXXX credit card was reissued by as a MasterCard by Barclays Bank Delaware. Prior to the conversion date I had reported suspected fraud to XXXX on a secondary card on my account, in the name of my sister XXXX. They immediately a issued a small credit, and were investigating the balance in question, {$2900.00}. XXXX was working on this when Barclays sent me a new card, and billing statement which INCLUDED the disputed amount with XXXX. I immediately started calling Barclays, and informed them that this amount was in dispute ; they promised to look into it. They did not call back, even after I sent a list of disputed amounts ; I subsequently called numerous times, every month, speaking with " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', and " XXXX ''. Each time I was told they would resolve it and call me back. That was in XXXX, and I am still waiting for a call back. In the meantime, they keeping billing me for the amount in question, and interest every month.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> [ Credit Reporting Agency Name ] [ Agency Address ] [ City, State, ZIP Code ] Subject : Dispute of Inaccurate Information Under FCRA ( 15 U.S. Code 1681o ) Dear [ Credit Reporting Agency Name ], I am writing to formally dispute the accuracy of certain information contained in my credit report issued by your agency. Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that all reported information is accurate and that proper procedures are followed. 

Specifically, I am disputing the following entry/entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I believe this information is inaccurate and may have been reported or maintained negligently, which constitutes a violation under 15 U.S. Code 1681o. Please conduct a prompt investigation into this matter and provide me with the results of your findings.

To support my dispute, I am attaching copies of the following documents ( please see enclosed ) : [ List supporting documents, e.g., payment records, correspondence with the creditor, etc. ] I kindly request the following actions : 1. Removal or correction of the inaccurate information.

2. Written confirmation that the disputed information has been corrected or deleted.

3. An updated copy of my credit report once the investigation is complete.

Please acknowledge receipt of this dispute letter within five business days as required by the FCRA. Additionally, I expect the investigation to be completed within 30 days, as mandated by federal law.

Should your agency fail to comply with these requirements, I may pursue legal remedies as outlined in 15 U.S. Code 1681o, which includes civil liability for negligent noncompliance.

Thank you for your prompt attention to this matter. I look forward to your reply.

Sincerely, [ Your Full Name ] [ Your Contact Information ] Enclosures : [ List of attached documents ] Key Tips : Send this letter via certified mail with a return receipt requested to have proof of delivery. 
Keep a copy of the letter and all enclosures for your records.

If the issue isnt resolved, you may consider escalating the matter to a consumer protection attorney or filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Let me know if youd like further assistance refining this letter!
Product: Checking or savings account

XXXX XXXX XXXX XXXX authorized ATM transaction totaling {$520.00} was withdrawn from my account. I reported it to the fraud department immediately upon realizing my debit card was stolen and my XXXX compromised, 4 hours after the transaction took place. Chase Bank almost immediately denied the claim, with little to no explanation. I need that {$520.00}
Product: Credit reporting or other personal consumer reports

I have written many letters to XXXX informing them of this fraudulent account along with the police report, and they still continue to report this inaccurate information ; I had previously filed a CFPB complaint, and my mom had XXXX XXXXXXXX from every XXXX XXXX, and I had been in the hospital with her for about a month and was not able to respond to the response by the deadline. As the law states, please hold XXXX accountable and ensure they report accurately.
Product: Mortgage

Good Afternoon - Our mortgage was purchased by XXXX XXXX XXXX a few months ago and they have been horrible. My last situation, is as follows. I had sent in XXXX to go to additional principle. It was stated on the check to go to additional principle and it was also sent in with their payment stub stating that the money was for additional principle. I received a statement on XXXX and called immediately. They had put {$2800.00} toward principle and then 2 mortgage payments. This was not as instructed on the stub or the check. I called on XXXX they were to reverse and do it correctly. I called on XXXX and was told it was to be corrected on that Thursday. I just logged into our account on XXXX and it is still not fixed. I called XXXX XXXX, they stated that my request was denied b/c the check was written in the previous month. This was not at all my fault, in my opinion this company is purposely avoiding the correction for their financial gain. This also happened on the previous principle check I had written.
Product: Credit card

I went online to sign up for a Chase Freedom credit card. During the process I was asked if I would like any additional cards on my account. I said " yes '' - and requested an additional card for my daughter ( to use in case of emergency ). I received the cards then my daughter comes to me shortly thereafter and said that her credit score dropped almost XXXX points due to this Chase credit card. I was not sure how this could happen, as they did not have her permission, nor her social security number. I called Chase. They were not helpful and just said that it 's part of their process and it 's on their website that any other user 's information will be used. So I went back to the website and printed off the documentation - and did NOT find such info. Chase also put me through to the credit bureau they use ( I do n't recall which but seems maybe like XXXX ). I asked how they obtained my daughter 's permission and SS number to run her credit. They proceeded to tell me that they matched her name with my address and located her information in their database. Needless to say, this appears to be a privacy issue, at the very least. My daughter is trying to buy a home in the next year, and this does not help her FICO score! With Chase nor the credit bureau willing to help, I feel my only option is to file this complaint with your agency. This is a privacy issue and I can not fathom how Chase would legally be able to run her credit - without my daughter 's permission.
Product: Student loan

XXXX statement {$150.00} payment XXXX statement deferred XXXX statement {$150.00} payment How can you be in repayment status then deferment then repayment status in 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I wrote to your company indicating my dispute of information in my credit report. Transunion has not responded to my dispute and therefore must update my credit file. The late date which is actually submitted on my credit report sounds very inaccurate or deceptive. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the accounts listed below : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my experian credit report XX/XX/XXXX. I saw som inquiries that did not have permissible purpose. 

1. ( XXXX  XX/XX/year> ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1661b 2. ( XXXX XXXX XX/XX/year> ) : This inquiry has no permissible use to be on my report. Delete this inquiry due to violation of 15 USC 1661b
Product: Credit card or prepaid card

My issue began during the Covid-19 pandemic. I called several times to seek assistance only to hear messages that their call center is closed for the safety of their employees and to try calling back in the future. This continued till aprox XX/XX/2020, where I was instructed to call back in XXXX, and that they should have some sort of remedy worked out. I called XXXX and was told I would receive covid assistance of 3 billing cycles of having a differed bill. I took it at face value and put the matter aside and focused on other financial issues due to me not working. Later, I get notified that I'm passed due and my account was closed. I believe this was communicated via letter. 

Approximately the first week of XXXX, i spoke to a rep & supervisor who told me they see the notes, but no covid relief was actually applied to the account. I was very upset and told them, if they didn't make it right, I would pursue other remedies to resolve this matter. While they seem to be investigating the matter, they said they put me on an actual covid relief of 3 billing cycles of differed payment, but informed me my account would remain closed, and there was nothing they could do about it. Later in the mail i get a letter stating they could not find the recorded calls that we're reflected in all the notes, and the account would remain closed. 

I let the matter go, and initially gave up on further action, hoping it would work itself out, until today ( XX/XX/2020 ) - I called customer service yet again, and spoke to a nice young lady, who said she saw all the notes, and everything she saw matched the verbal timeline of events i have stated above. After speaking briefly our phone call got disconnected. So I called back, for the, " last time ''. I spoke to a gentlemen who was also nice, and I told the story again start to finish, and he also concurred that everything i stated matched the notes on the file. He said he wanted to help, and believed this matter wasn't handled properly. I told him, my asks were simple. First, I wanted my account to be re-opened. 2nd, I wanted all fees and past due status removed from my account. Third, I wanted any negative reporting to any credit bureaus to be restored to my good rating prior to these events. Lastly, I wanted to resume paying my account as agreed in XX/XX/2020. He stated, he felt that was reasonable and would call his support line for help. He came back after a lengthy hold, and said he did his best to help, but they said their original decision stands. He apologized and was just as perplexed as I on how they came to that conclusion. He said he would try a different department, and put me on hold. We were immediately disconnected ( which happened frequently when dealing with this call center ). I did admonish the gentlemen, if i were to be hung up on again, or this matter would not be resolved, that I would be filing a complaint with the agencies who would have the means help make this right, and potentially result in negative action to his company. He understood.
Product: Checking or savings account

I had a mortgage payment come out for XXXX on XX/XX/XXXX that's I didn't have sufficient funds to cover, and was charged an overdraft fee. Around that same time I was payed but it was less then usual because I couldn't work due to covid. I had many automatic payments come out and were charged over draft and returned fees. I was charged over {$500.00} in those fees. Suntrust will not reverse any of them. We're in the middle of a pandemic and their being ridiculous. I will be getting paid and will have not enough money to cover my bills because all of this will go to cover these over draft fees.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against FIG TECH INC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until FIG TECH INC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and FIG TECH INC continues its collection efforts, I will file for litigation for actual damages caused and FIG TECH INC shall be liable for violations of TILA, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC ACT and XXXX Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment on my account on XX/XX/2020 and my last payment XXXX, XXXX 2020 and this company is stating I was 34 days late, which is absolutely false. I spoke with a representative XX/XX/2020 and he confirmed two payments for XXXX and XXXX, and also stated my account would be updated to reflect no late payments within 24-48 hours with the credit bureaus. That is currently not the case and now Im being told it could take 30-45 days to update. Im in the middle of obtaining loans and its their fault my report is displaying incorrectly. So I would like my accounts updated immediately with the credit bureaus. Not 30-45 days from now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 usc 8, I owe no debt. This company is violating my right to privacy pursuant to 15 usc 1681 b 2. Company has also NO permission to report ANYTHING using my information pursuant to 15 usc 1681 4.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this debit. I have requested debit validation and still haven't received any documentation to support this inaccurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I obtained a credit report from all 3 credit Bureaus and seen a negative item reported by Kohl 's on XX/XX/XXXX. The negative item is a 30 day late payment. I have been a loyal customer of Kohl 's since XX/XX/XXXX and Never missed a payment. I have attempted to fix this with Kohl 's, but still appears on my credit reports affecting my fico scores across the board. I have asked Kohl 's to re check the History. The history shows I have been a very responsible customer paying on time. I have asked Kohl 's as a goodwill to please remove this negative report as it is damaging my consumer report and I am unable to get a good mortgage lender to give me a good rate. Mortgage lenders pointed out the fact of this Kohls negative mark.
Product: Credit card

This is second time I received the same Wells Fargo Visa card which I never asked for. I refused to activate card when I called their number. Representative told me to call customer service and I did. They said the card has been active for four years regardless as its activated. They then said to destroy the card. I want to make sure I was never charged anything. They did say I had a XXXX balance. I never asked for this card. They did say this was some type of rewards card.
Product: Mortgage

I have attached information taken from Ditech website in XXXX XXXX indicating the following escrow activity. 

XXXX XXXX XXXX/XXXX/XXXX {$1600.00} XXXX XXXX/XXXX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX {$73.00} I have attached the accounting records Ditech/Greentree has sent via my Qualified Written Request. On pages XXXX and XXXX there is indication the taxes and homeowners insurance payments. There is no indication of PMI payments to XXXX XXXX. I would like a complete record of PMI payments and your disclosure record on this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed accounts reported by credit bureaus under my Social Security number they were deleted however they have been reinserted on my report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), credit bureaus are required to notify me of the reinsertion in writing within 5 business days, ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer ACCOUNTS : 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

There is a XXXX debt from XXXX XXXX being reported on my credit report that I do not owe. 

When the debt first showed up on my credit report I went to XXXX XXXX that is now XXXX  and received a receipt that I did not owe any money to XXXX XXXX. After sending this receipt to the debt company they stopped reported the debt to the credit bureaus. A few months go by and a new company began to report the debt. This circle has been happening for years. 

The credit bureau is allowing false information to be reported on my credit report which is causing me significant harm and has been for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Mid ATL fin a certified letter to the address on my credit report on XX/XX/XXXX. It was returned to me stating invalid address. I then researched the address to find another address in FL to resend the letter via certified mail. The letter was pertaining to an old vehicle loan from XX/XX/XXXX that I am trying to request paperwork on. The VIN number is XXXX for a XXXX XXXX XXXX. I requested that Mid Atl provide me with all required notices. Effect of errors and omissions - notification before disposition of collateral. - contents and form of notification before disposition of collateral. As this account is reported on my credit bureau as repossessed and charged off. They are required by law to send legal notice and proof of the commercially reasonable manner of notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of the letter received. The alleged claim of deficiency will be considered null and void. see attached a copy of the letter that was sent to them On XX/XX/XXXX Mid ATL responded and stated that they never repossessed or sold the vehicle in question. see attached Then on XX/XX/XXXX - they sent a letter with a copy of payment history and contract. 
I 'm not sure what Mid ATL is trying to state in these letters, but they are not providing the documents that are being asked for.