23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out large loans to cover my total tuition expenses for college, as my parents were not in a financial situation that could offer much help. 
6 months after graduating with my XXXX in 2013, I was contacted by Wells Fargo to begin my repayment plan. They asked me to pay $ XXXX/month. When I was baffled and confused, the only comments from reps I was met with was " well, do n't you work full time? You knew you were going to have to make these payments? Your parents ca n't help you at all? '' It has been a constant struggle. It 's an astronimical payment for anyone to make, let alone a young person just getting started in their XXXX 's. When I applied to get them consolidated, I was declined because of my low credit score..which is low because I have a difficult time making their payments AND having money to live each month. They wo n't work with me at all, and seem to think it 's perfectly acceptable to ask a XXXX year old to make {$1300.00} payments each month. On top of my rent, and bills. I ca n't make ends meet and I do n't know what else to do. I even offered to make {$800.00} or {$900.00} payments each month, I just can not to the {$1300.00} each month, and they were n't satisfied with those numbers either, which is still incredibly high compared to most student loan payments. I 'm stuck and do n't know what else to do. I am not trying to get out of making my payments, but I ca n't live and pay that extreme amount each month. I do n't know anyone at any age that could swing that payment on top of their regular monthly expenses. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I regrettably bought a brand new XXXX  XXXX from Nissan Motor Company. 

This was the first time I ever bought and financed a new car and first time using XXXX XXXX with XXXX  XXXX XXXX. XXXX said my first payment was late by ten days. ZERO people called from XXXX to notify me of this issue. TECHNICALLY I made two payments the first month which should have covered everything. I was contacted over 4 years later (!!! ) saying I owed a late fee. 

The person who called had been harassing me for weeks and when I was home on XXXX XXXX, a National Holiday a foreign speaking person asked for my bank routing number to pay some sort of late fee. As I can show I made every payment perfectly.

My credit scores for 28 years has been flawless. A perfect XXXX XXXX  score. Thats so perfect and nearly unheard of. 

XXXX now claimed I owed a late fee for over 4 years. Is this really the game they play with perfect paying customers. 

They also recorded my phone calls and with me living in Florida that would be a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank has closed every XXXX of my consumer credit accounts with no reason to me. 

I went to use XXXX of my accounts and was declined - I researched and found that every single XXXX of my Synchrony Bank credit accounts were closed. I received no notification that this was taking place or given any reason. 

I have had perfect credit history with them, paid all my accounts on time if not all paid off. I had substantial credit lines available and clearly didn't abuse my credit privilages. 

By doing this, they have severely damaged my credit profile and scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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 n accordance with the Fair Credit Reporting act XXXX  Account # 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
Product: Credit card or prepaid card

Comenity Bank currently holds 3 accounts with me XXXX XXXX, XXXX, and XXXX. Due to inactivity, the XXXX card was closed. When I applied to have it re-opened, Comenity needed additional proof of identity instead of utilizing the information not only of the existing accounts but even my online validation of the new account. Comenity sent me a new card after they said they did not know who I was. Additionally, the manager 's manager refused to speak with me in a timely manner and they want me to mail in multiple forms of identification, which is even less secure than the online options. At what point does common sense prevail? I am literally trying to give them money, and yet no one wants to work with a loyal customer, and they do not seem to even know what is going on with their own systems. " XXXX '' is the person that supposedly can fix it, but her contacting you at a reasonable time for both parties seems to not be an option, and no one else wants to help. I was finally offered " faxing '' ( in 2020 ) the additional information, so who knows.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX BANK DELAWARE, XXXX BANK XXXX XXXX XXXX XXXX BANK XXXX XXXX.
Product: Credit card or prepaid card

I opened up a new Discover It Credit Card Account through a certified Discover link on their website stating {$150.00} bonus after purchase of {$1000.00} within 3 months of account opening.
After meeting all the eligibility criteria, I did not receive the account opening promotion bonus.
Discover is cheating me by saying that there is no such {$150.00} account opening promotional bonus. When asked to provide the proof of the same by pulling the credit card application, they said that they have insufficient information in the system. 

Discover is doing a fraud by prompting them to apply for credit card application and then followed by cheating them.
Product: Credit card or prepaid card

I reported fraud unauthorized transactions on my Discover card for the balance on the card. I never got any letters from Discover for claim forms to sign and return back and Discover is calling me everyday with collections on this fraud charges. Also they are reporting negative late payments on the credit reports as a result of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed XXXX {$130.00} XXXX XXXX XXXX Balance Owed : {$0.00} MO CHLD SPRT XXXX Balance Owed : {$3000.00} XXXX XXXX Balance Owed : {$210.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$1700.00} 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.
Product: Credit reporting or other personal consumer reports

I requested my credit report from Equifax using XXXX and I was given an error code NH. I then called Equifax asking them to please unlock my credit report so that I have access and they told me to send in proof of verification that I am who I say I am. On XX/XX/2024 I sent a copy of my Drivers License, a notorized letter verifying my identity with my Drivers License, a copy of my bank statement, and a copy of my ssn card. I received a response late XXXX of this year stating that I must verify my identity again. Please help
Product: Debt collection

I don't recall having a contractual relationship with this collection company BerlinWheeler , Inc.. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Mortgage

We refinanced our mortgage in XXXX of last year. Our loan was sold to Round Point Mortgage and our first payment with them was XX/XX/XXXX. Our escrow account included homeowners ' insurance and property taxes. Our FHA loan requires that these items be paid through escrow. Without notice, Round Point decided that they would pay our irrigation fees. These fees are not a tax and were not included in our escrow. The first we knew about this was when we received our Escrow Analysis in XXXX of this year. There was an item marked " Ground Rent ''. I first called Round Point on XX/XX/XXXX to get a clarification for this {$420.00} charge. It took two weeks to get the clarification that this was for our irrigation fees. I then requested that they remove that from our escrow. I had several more telephone calls from Round Point. Finally, on XX/XX/XXXX I received a telephone call that the Irrigation Fees had been removed. I asked for a new Escrow Analysis report, and on XX/XX/XXXX I paid our Irrigation Fees. On XX/XX/XXXX I received another follow up call from Round Point and this person seemed to know absolutely nothing about the removal of the Irrigation Fees. I asked to speak with a supervisor and was transferred to XXXX XXXX. He took my information and said he would submit the request to their Escrow Department. On XX/XX/XXXX I received a telephone call from XXXX at Round Point, telling me everything was done and gave me a new payment amount. This amount was significantly smaller than the original and I told him I didn't think it was right. He told me I would be receiving a new Escrow Analysis and the information would also be available online in 24-72 hours. I looked on XX/XX/XXXX and found they had removed my property taxes from my payment but the Irrigation fees were still there. I sent an email to XXXX XXXX, but he hasn't responded. Then, yesterday I received a check from Round Point in the amount of {$610.00}. I sent another email to XXXX XXXX today and he hasn't responded yet. At this point, Round Point has us in violation of our mortgage agreement with FHA and I can't seem to get this fixed. Any help would be appreciated. I still haven't received an new Escrow Analysis. I am attaching my closing papers and the escrow analysis we received in XXXX.
Product: Credit reporting or other personal consumer reports

XXXX ACCOUNT # XXXX I Had a loan with XXXX and have NEVER LATE. The account was enrolled in CARES ACT in XX/XX/XXXX- AND WAS IN THE PROGRAM UNTIL XXXXXXXX XXXX XXXXXXXX. 

XXXX VIOLATED THE CARES ACT by reporting my account 30 DAYS LATE in XX/XX/XXXX. 

I would like this to be resolved. I have contacted XXXX via phone and letters on multiple occasions and issue to this date has not been resolved. 

Thank you.
Product: Credit card or prepaid card

I set up automatic payments for my Citi Thank You Preferred card, and payments have come out of my account as requested for a long time. This month my payment did not come out, and when I called them about it, it was informed that they changed the terms and conditions and cancelled my automatic payments because I did not accept the terms and conditions. This account is paperless and I manage it using their app, so they informed me that the new terms should be on my online statement and it is my fault if I did not find them. Even after being told this and searching for this notification, I still can not find the new terms, or where I need to go to accept them after reading them. 

The problem is that they will not refund the late fee that was accrued because they decided not to take out my payment as agreed upon. The last payment was taken out of my account on XX/XX/2020. Citibank cancelled my automatic payment schedule on XX/XX/2020, without providing notification that they cancelled my scheduled payments. It is now XX/XX/XXXX, so my payment is late because I did not know they were not going to comply with the terms of our agreement. I have requested the credit card company to refund the fee as it was because if their actions that my payment was not taken out. They have refused. I have escalated my request, and that too was refused. 

This is a deceptive business practice, and even more hanieous given that they are trying to scam money from consumers during the middle of a pandemic.
Product: Checking or savings account

This is related to the transactions charged to my account via debit card charges on XX/XX/2019. I had made a few debit card purchases in XXXX using my Chase debit card. On receiving my statement, I see multiple of these transactions and all of these transactions are showing this to be an ATM withdrawal from an ATM address in XXXX with the withdrawal being in XXXX currency ( Rupiah  ). I have never visited XXXX so I could not have withdrawn amount in XXXX currency. Moreover, I have enough evidence to show that I was in XXXX  on and around XX/XX/2019. This seems to be a incorrect or fraudulent transaction caused by Chase Bank or their associate bank operating in XXXX. I am not able to take this up with Chase Bank as they claim that their investigation with the ATM provider shows this to be a valid charge though I have evidence to show that I was in possession of my debit card and present in XXXX  at that time.

Further to this, the account has been forcibly closed without my consent with the reason provided as too many transaction where I have clearly mentioned that these transactions are unauthorized.
Product: Checking or savings account

Good Morning First I want to thank you for assisting me with my XXXX account the company made the updated changes to my credit report. I am writing because I recently tried to open my old Bank of America account I went in person was told I was approved then received a denial letter stating their decision was based on information from my XXXX account. I will admit I have had some financial difficulties in the past and have a high utilization I want to know why I was denied. It is because of my high utilization or high debt which will be reduced once I settle my student loan account. I am very hurt and disappointed in this matter. 
I wanted to open an account for my child to help her with her school expenses and save some money for her education. The thing is Bank of America sent me a text that my account was opened I tried call ing thru but being I do not have any banking information. 
I could not speak to anyone. I am tired of XXXX denying me. My bills are paid on time I m not in collections. I want to know what the reason is. I am also going to make a complaint to the New York attorney general office. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

With respect to CFPB complaints XXXX and XXXX In the complaints dated XX/XX/2019, the following hard inquiries were disputed with XXXX and Experian : XXXX XXXX , XXXX XXXX XXXX, CA XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MD XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, UT, XXXX In light of the fact that the complaint were filled XX/XX/2019 and to this date a response has not been reported with the CFPB, I hereby request that all the items identified in the complaints be immediately deleted in accordance with FCRA.
Product: Debt collection

I noticed the debt on my report from XXXX XXXX it was for a medical bill the medical bill is not for me and the debt collect has failed to send a signed contact by me of any kind.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have contacted all three credit bureau about my credit inquiries that I did not allowed or give them permission to run a credit check on me. I asked can they help me investigate the matter from Experian, XXXX, and XXXX. I have not heard anything back from these XXXX XXXX 's. 

I was told that if a company run a credit check on me and within 14 days if I give another company to run another check on my report it will count as XXXX hard inquiry. As noted on my credit report each inquiries was ran within that time period and it shows on my report I had XXXX hard inquiries. 

From my calculation it suppose to be only XXXX inquiries not XXXX. These credit bureaus refuses to make the necessary correction to my report which is causing damaged to my repot and score. Each one of the inquires was ran around the same time period within the time frame. But it count as each individual inquiries which affected my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX  XXXX ) against them for similar violations. I request that CFPB take action to ensure that Experian complies with federal law and provides consumers the necessary proof of investigation. 
These are the accounts that I have marked as inaccurate : Creditor information XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Creditor information XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, submitting this complaint against XXXX XXXX XXXX XXXX XXXX and there is no third party involved. As of XXXX, XX/XX/XXXX at XXXX XXXX XXXX your company is entering a binding contract ( Attached below ). Also, your company is hereby to delete these accounts below as of now. If your company does not delete these account within 3 business days I will seek legal for up to {$3000.00} as your company will be committing aggravated Identity theft. Delete & purge these accounts below : XXXX XXXX XXXX ( CLOSED ) DEPT OF EDXXXX XXXX DEPT OF ED/ XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX DEPT OF EDXXXX DEPT OF EDXXXX DEPT OF EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete & Purge all Late payments for these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete and purge all Hard inquiries , & all Late payments. You are hereby Given permission to report NO MORE than 30 % utilization percentage at any time. Should your reporting agency exceed more than that utilization from the aforementioned amount you shall be subject to the fees stated in binding contract & above.
Product: Credit card

I have a Chase Freedom Unlimited credit card. On XX/XX/year> I received both email and text message from Chase regarding a fraud alert charging me {$600.00} from XXXX XXXX XXXX with {$18.00} Foreign Transaction Fee and {$2500.00} from XXXX XXXX. I immediately responded " NO '' to both email and text message, denying both transaction. In fraud alert, it stated that the transaction was declined. I called Chase personally and had my credit card cancelled. XX/XX/year>, I received a letter from Chase saying that the transaction was valid and charged my credit card {$600.00} with {$18.00} Foreign Transaction fee. I called Chase why was I charged and how did they come to a conclusion that I made that transaction and I was told that it verified using my phone number. I called Chase and sent the screenshot of the message they sent with my reply " NO ''. I was told they will re-submit the fraud claim and to wait another 15 business days. As far as the {$2500.00} from XXXX XXXX, they haven't send me any letter regarding this and remained off of my credit card charges. 

*****I am re-submitting this complaint to correct the dates. In my first complaint I stated I received the letter XX/XX/year> instead of XX/XX/year>.
Product: Vehicle loan or lease

I financed a vehicle from Credit Acceptance a few years ago. In XXXX of 2021 I traded the vehicle in. The dealership sent the check out and it was cashed. From XXXX til XXXX I kept receiving calls from Credit acceptance say that my account was passed due. And each time they told me they hadn't received a check or payment. I called the dealership provided Credit acceptance with the check date and number and they could not find it in the system. Finally someone asked if I would give them permission to speak the dealership that I went to about my account to which I agreed. Credit Acceptance spoke to the dealership in late XXXX and the dealership faxed them all the proof that the check was sent and cashed. As it turned out the check had been stolen. Since the check was in fact sent and they now had all the evidence and a replacement check Credit Acceptance agreed to close out the account and fix and errors on my credit. They closed out the account XX/XX/2021 but never corrected the errors.I have called many times since and I still haven't received the dispute paperwork they said they would send out. I filed a dispute with the credit bureau but, Credit acceptance said all the information was accurate so I have these things stuck on my credit saying I was past due even tho they agreed to fix it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT # 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 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.
Product: Mortgage

i received a notice saying my mortgage payment was going up, but it did not say exactly why. That is when I called them and they said it was for my taxes. I told them I had summitted a letter from the county for an exemption. Freedom reps said they would handle it but it will take some time to get another letter from the county. Freedom Mortgage company bought my loan and they was suppose to give me 45 days, they told me I was behind. So I paid