23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/18 I paid XXXX {$1500.00} check to apply to my balance. it posted to my account. On the same day I requested a new credit card. Not because it was lost or stolen I just needed a new card. on XX/XX/18 I paid XXXX {$1500.00} cash to be applied to my card. They had to give me a new account # due to me asking for a new card. The {$1500.00} cash never posted to my balance. I have spoken several times to XXXX and they cant seem to get the {$1500.00} cash posted to my account. They say there is a " hold '' on that money. It was cash there should not be a hold. They agree but cant seem to get it applied to my balance. I have spoken to someone there atleast 5 times since XXXX. It doesnt look like they are going to have this fixed anytime soon if ever.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below. These accounts were opened without my knowledge or authorization, and I am requesting their removal from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : 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 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 XXXXXX/XX/XXXX
Product: Credit card

I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.
Product: Vehicle loan or lease

On XX/XX/XXXX I received a payoff letter from Ally Financial when my husband and I were buying a condo. We closed on XX/XX/XXXX and a check was made payable to Ally Financial for the amount stated in the payoff letter. I contacted Ally in XX/XX/XXXX as it was still showing open on my credit report. They assured me they would take care of this. Fast forward.. I contacted them several times since then to dispute the same problem. Same answers were given. It is still showing open on my credit report, it is s now XX/XX/XXXX and many months later and I need some help to get this to show closed and off my report. I am attaching the payoff letter and the cancelled check from the title company. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

The morning of Thursday, XX/XX/2018, I woke up to an email stating that someone has run my credit report and I now have a hard inquiry against me. I tried to contact the company, the call keeps going to voicemail. 
I do not know who the company is or what they do and I have certainly not applied for anything cars, loans, etc in the last year. I have no idea how they got any of my information .This inquiry was not given permission from me, nor can I get ahold of anyone to see who they are. 
I would like this inquiry from " ScreeningReportsInc '' to be removed.
Product: Credit card or prepaid card

This is a letter I am mailing to the company. I already talked to them on the phone, but I want to send a formal complaint in writing. It has all of the pertinent information in it. 

" To whom it may concern : I am writing this letter in regards to my American Express Serve/XXXX XXXX card. It was brought to my attention yesterday ( XX/XX/2019 ) that my account was permanently closed due to a violation in the member/user agreement per Section " 15D ''. I have read such section, which is very vague, and I am not sure what " violation '' American Express is alledging I did. What a way to do business! I was NEVER contacted, PRIOR to you closing my account. Instead of you attempting to communicate with me to ensure my account was protected, or even find out if I was aware of suspicious activity, you close my account. I work for the XXXX XXXX ( a XXXX XXXX ), and I have NEVER done anything illegal and/or inappropriate with my card. I am formally notifying you that there obviously been some fraudulent activity relating to my card, that I was not aware of, and your company so graciously waited until AFTER the alledged activity to make me aware of it. Via the Freedom of Information Act, I am requesting a copy of ALL my transactions connected with your decision to close my account. I am also requesting arbritration for your decision. I am also contacting the XXXX, Consumer Protection, FCC, Ohio Attorney General, and any other entity or individual I can think of that can assist me with this matter. 

I only used this card in a " normal '' fashion, the same as an average person would. Subsequently, whatever you are alledging I did that resulted in a permanent closing of my account, was NOT of MY doing, or MY authorization/permission. Someone has infiltrated my sensitive information and your " company '' is punishing me for it. 

I feel the way American Express has handled this is NOT best practices and really is an indication you have no concern for the cardholder. 

I would appreciate a timely reply, and that this reply has as much diligence and enthusiasm you did when you arbitrarily and capriciously made an unilateral decision to close my account. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Both of these accounts XXXX XXXX XXXX  XXXX acct # XXXX and XXXX XXXX  acct # XXXX are both reporting on EQUIFAX and not reporting on the other 2 bureaus ... ..you can see the major disparity between the credit scores of all 3 bureaus ... ..EQUIFAX is notorious for breaking the FCRA and not abiding by any rules or laws set in place to protect the consumer. XXXX XXXX should not be reporting ... .it was closed due to fraud and EQUIFAX just recently reported it 30 day late ... .XXXX XXXX is also a fraudulent account that EQUIFAX stated would be deleted per a recent complaint yet they are still reporting in on my credit report, no it is not an active an account but the negative account history on EQUIFAX is still there. BOTH of these accounts should be deleted immediately. I am in the process of retaining an attorney and pursing legal action. I was also a victim of EQUIFAX 's security breach. Please do the right thing and remove both of these accounts. See previous response to CFPB from EQUIFAX in regards to the XXXX XXXX account ... ... it was found to be fraud ... and they agreed that it should be removed yet they never removed it!
Product: Mortgage

Loan No. XXXX Mr. Cooper Mortgage Company : Nationstar Mortgage dba Mr. Cooper XXXX XXXX XXXX XXXX XXXX Texas XXXX Account Number : XXXX ( XXXX ) XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX RE : Hardship Letter To Whom It May Concern : I am writing this letter to request a modification of my mortgage. I fell behind due to loss of income and although I now have income sufficient to make a payment, I can not pay the past due amount. This causes a problem, as Mr. Cooper will not accept a payment unless I pay all of my arrears. 

I am hoping you will help me family save our home by giving me a modification so I can honor my obligation and begin making payment as soon as possible. 

Thank you! 

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

On XX/XX/XXXX, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S.

Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, XXXX XXXX  Trans Union Corp., XXXX XXXX XXXX XXXX XXXX XXXX  ), the below false creditors will be liable for your willful non-compliance. Also, in XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), they may be liable for false reporting.
Product: Credit card or prepaid card

Milestone sent me an online application for their card. I entered my information to see what the rates and terms were. However when I went to view the rates and terms the website said I was approved and being sent a card. I didn't want the card or the account with Milestone, I only wanted to check rates. Next they sent me a {$300.00} limit card on it with a {$75.00} bill due already, and I hadn't activated an account with them. 
Now I am trying to let them know they sent me this card in error and I don't want it. A {$300.00} card with a starting {$75.00} fee is ridiculous and I wouldn't have accepted such an offer. I'm on hold and being transferred but nothing is getting resolved. 
This is bad customer service. They are tricking people into checking rates and then instantly sending out a card before rates and the card can be accepted or denied.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I applied for and received a loan from a company called Mariner Finance. This particular branch is located at XXXX XXXX XXXX XXXX XXXX. XXXX TN XXXX ( XXXX ). As I understand it they are a subsidiary of XXXX XXXX. The purpose of the loan was to install a chain-link fence in my backyard to keep a dog Id recently rescued from escaping. I bought the fence from a company called XXXX XXXX XXXX. They are the ones that recommended Mariner Finance. I had trouble almost immediately with the finance company. I had originally authorized them to deduct a monthly payment from my checking account. What happened was they failed to deduct it by the due date and charged me a late charge. These charges occurred on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. After all of these late charges I decided it would be best to pay this loan off as quickly as possible. So I began making larger payments. According to the contract I borrowed {$2500.00} for a term of 30 months at a rate of 16.99 %. The finance charge was supposed to be {$600.00}. I began to monitor the details of this one online. What I discovered I was that they were charging different amounts for the interest each month. I calculate that Ive been charged {$760.00} so far. Id only had the loan for eleven months. My next payment isnt technically due until XX/XX/XXXX. Ill be interested to see how much interest the charge on the next payment Ive scheduled ( {$450.00} ). I hate to think how many others these people have done this to. I should also point out that Mariner has made false claims to the credit bureaus. That ended up dropping my score by 50 points.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX affirm put several account on my report after almost 2 years of disputing they finally removed wrong information except 1. I told them this was identity theft did not have no knowledge of this also on XX/XX/XXXX sent police report. They never responded back to me they choose to ignore my letters. After almost 2 years and contacting an attorney they finally responded on XX/XX/XXXX that they found it in my favor and accounts dont belong to me so they removed them. On XX/XX/XXXX I sent a letter to them that one has not been removed again no responds. On XX/XX/XXXX I call spoke to supervisor. He told me he has no information that he will escalate the matter. On XX/XX/XXXX. I get a respond from affirm that. The account XXXX  belongs to me. But how? Was that even investigated that quick in 2 days. I have yet not received any contracts any copy of social security card any copy of picture I.D . To open credit with affirm. And before receiving credit with affirm they ask for picture id to be uploaded but yet they cant send me a copy of mine if it is me. Now comes the illegal part. This was charged off on XX/XX/XXXX and to this day they are re-aging the account so the clock starts over every month. That is a very serious offense this needs to be removed from my report if proper documentation cant be provided
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently informed of negative information reported by XXXX XXXX XXXX  included in the file XXXX XXXX XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud on XX/XX/XXXX. 
I am unaware of ever having a Checking Account Fraud from XXXX XXXX XXXX Please validate this information with XXXX XXXX XXXXXXXX and provide me with copies of any documentation associated with this Checking Account Fraud bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. 

Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney Generals office. should you continue in your non-compliance. further remind you that, as in Wenger v. Trans Union Corp. No, 95-6445 ( C.D, Cal. Nov 14. 1995 ), you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act
Product: Consumer Loan

I used a template found on the CFPB site to dispute this account and they failed to properly validate the account. I followed all the steps the CFPB told me to take so I feel that this account should be deleted from my credit report since they failed to properly validate and send me everything that the CFPB says I can request.
Product: Debt collection

I just received a call from Gerald E Moore and Associates on a supposed debt ( which i thought was taken care of about 6 months ago ). I spoke to a man named XXXX, this was for an Apartment that i lived in and moved out of about 2 years ago. I lived in the apartment for a little over 5 years, and had a roof leak issue the entire time i resided there. I explained to XXXX i had faxed in my dispute documents about 6 months ago ( it may have been another agency ) and assumed it was taken care of as i have n't heard anything. I explained in detail what happened and he told me my dispute was n't valid and they were " moving the account forward '' I asked him what moving forward meant and he said he was not an attorney and does n't know. So then stated that i wanted to send in my dispute to him and he said it didnt matter that my dispute was not valid, and they were moving forward with the account. I was stunned I explained that I had already done this and he said he had no record of it. I told him it would take me until this evening to get my emails and pictures compiled and sent. He then again tells me it would n't matter as my dispute was not valid. I did some research and have found this and the fact that they are supposed to look at my dispute. If i am disputing they have to give me a chance. They are not i am just being told over and over by him that I DO NOT have any option but to pay or have my account " move forward '' -even though he could n't tell me what that meant when specifically asking. This was very sad an frustrating here i am thinking I am going to be sued over something I do not in fact owe. Yet he is telling me I have no recourse. I need help. They gave me a file number which i can provide if needed.
Product: Credit reporting or other personal consumer reports

I have never been so furious that my complaint has been continuously ignored. I kept trying to reach out to the company and every time, they never fail to disappoint me. This inaccuracy in my credit report has taken me off of my privilege to apply for many things. It has negatively affected my score and I'm sure no one would be happy about that.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue regarding an account listed on my credit report under the name XXXX XXXX. Upon investigation by the CFPB, the company has responded and confirmed that they have no recollection of the account in question and can not verify its legitimacy. Despite this, the account continues to appear on my credit report under XXXX XXXX. 

Given that the company has stated they can not verify the account and have no record of it, I am requesting that this account be removed immediately from my credit report. This account is incorrect, unverified, and damaging to my credit history and score. 

I request that XXXX, Experian, and any other involved credit reporting agencies take prompt action to remove this entry from my credit report in compliance with the Fair Credit Reporting Act and relevant consumer protection laws. 

XXXX XXXX account shows as XXXX I appreciate your immediate attention to this matter and look forward to its swift resolution.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX  XXXX XXXX HAS VIOLATED MY RIGHTS 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, 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. 

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 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 an 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: Vehicle loan or lease

I have made a lot of consistent payment in regards to paying off this vehicle, lowering my interest rate, and extending the refinance terms. I also came to the conclusion that the vehicle is very undervalued, meaning that the real price is XXXX XXXX I love this vehicle very much. Can you please add all the interest I paid to what I actually paid? I should be halfway or more to paying off this vehicle. Plus, I only use this vehicle for good purposes like training, working on my business, and delivering food when I have to. When the salesperson originally closed the deal on me he said I was going to receive the title, the XXXX warranty, and that I could pay $ XXXX a month, plus they were really nice, and all of a sudden XXXX XXXX closed down and they moved spots. Then XXXX XXXX disappeared and and I tried renegotiate the deal with better terms. Can you please work with me and tell Santander to work with me and go easy on the deal. Thank you so much. Plus people drive like crazy and disregard my vehicle, and most of them do not know how to drive either.