23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX, resided at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX with Social Security Number XXXX and born on XX/XX/XXXX, who received your responses and Im the one who submitted a complaint last XX/XX/XXXX. The listed items were fraudulently and I never signed any contracts with the listed items in my credit file. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The supporting documents are attached in this complaints. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX, CA, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On or about XX/XX/2019 i applied for a car loan with XXXX NJ  XXXX XXXX   and Chrysler Financial. They made changes to the loan amount at time of signing. Demanded i need gap insurance due to my trade in. Changed interest rate. Wouldn't give me XXXX insurance for job loss. Gave me far less then my trade was worth. Inflated MSRP prior to incentives to offset discounts. Refused to give me my trade in keys if i didn't sign. Finally put me into a loan for 75 months knowing i couldn't afford. They never verified my income and Chrysler is charging far more interest then my loan calls for. 9 months of payments, monthly {$690.00} changed fro {$670.00} before adding GAP. I pay and average of $ XXXX {$720.00} per month. I paid 9 payments for a total of {$6500.00}, only {$1100.00} went to principal. I will never pay this loan off based on these numbers. Furthermore, they pushed me into this particular vehicle telling me it's worth more.They claimed my trade would lose value if i wait longer.This is a predatory loan/ Also Chrysler uses Automated dialing system and voice messages to my cell phone to notify of payment due. I didn't sign any agreement to allow this.My original loan was {$28000.00} my balance as of today is {$26000.00}. They have failed to fix issues
Product: Credit reporting or other personal consumer reports

as a Federally protected consumer I am making a complaint regarding late payments and transaction history on my credit report. Upgrade INC XXXX XXXX XXXX were servicer for a loan and XXXX credit cards that was acquired. Throughout this relationship Upgrade INC XXXX XXXX XXXX did not provide any disclosures in regards to allowing me to opt In or opt out of credit reporting as this is my right. So Upgrade XXXX XXXX has been reporting to my consumer report without proper authorization or consent. I have formally noticed Upgrade and XXXX that I have revoked any and all consent to report and the errors need to be fixed. 

additionally Upgrade INC XXXX XXXX XXXX is reporting transaction history and experiences which is to be EXCLUDED from ones consumer report. I have noticed and reached out to XXXX  multiple times to remedy this matter and even asked for proof of late payments as XXXX  has not been able to provide proof. 

Because of this negligence and non compliance it has been extremely XXXX to me and my family, it has caused a great deal of mental XXXX and XXXX because upgrade inc is willfully acting out of their scope of authority and it has been very harmful to me and my ability to use my credit and be approved for credit. this is interfering with XXXX and I will seek remedy in court if this continues.
Product: Credit card or prepaid card

On XX/XX/2021, I purchased two airline tickets through XXXX XXXX XXXX US website with a combined cost totaling {$1100.00} after being enticed by an AmEx offer stating that such a purchase would result in a {$200.00} rebate. In fact, AmEx sent me an email immediately following the purchase indicating that I had used the AmEx offer. For whatever reason, AmEx claims that I either purchased the tickets over the phone or directly through XXXX XXXX. This is completely false, as I have never purchased tickets from XXXX XXXX except through the internet, no matter how their system may have coded the transaction. It is not my fault that their systems do not correctly code transaction data. I believe AmEx 's action to be deceptive, resulting in {$200.00} in financial harm to myself. After having to reach out multiple times, I was offered {$50.00} to settle the matter, which is insulting. I want other consumers to know that, not only does AmEx no longer stand for top level customer service, but AmEx is now actively deceiving customers into spending money with fulfilling their end of the bargain.
Product: Debt collection

Was notified by mail about a debt that was sold to 3rd party collection agency claiming to be a law office. I was notified in XXXX 2017 by letter stating that they have made several attempts to reach out to me about the debt and that if they did not here back from me with in a certain amount of time they would be proceeding with legal actions. I have not received any calls, letters or anything about this. Never received any notifications that the supposed debt was being sold to a different company as well. When I called Kenosian and Milele, LLP they were very rude and unwilling to help me settle this. I asked for information about this debt and when they tried to notified me. I was told that they can not provide me with any information and that I had to settle this today or they would proceed with legal actions today. I asked for some type of settlement due to the large amount claimed being owed, they were still unwilling to help. I asked to make payments of {$50.00} a month and was told they can take anything less then {$120.00} a month. They use very harsh and threating words to try to collect the debt with out providing any information when requested Still unwilling to provide information about the debt I asked for something in writing about they payments be arranged and was told that their lawyers to do not provide anything like that in writing. So out of the fear of being sued I agreed to make payments that I could not afford. After making a payment, I was unable to make the next months payment. I called them before the payment date to notify them I was unable to make the payment. I was told that either I come up with the money today or that they will take me to court and garnish my wages to get the money and that either way they will get their money. I called the original creditor to see if I could get information about the debt they stated they no longer had the account and that it was sold to XXXX XXXX. I find this very suspicious because the letters I received mentions nothing about XXXX XXXX   owning the debt. All notification I have received come from Kenosian & Miele LLp Attorneys at Law stating that the original creditor is XXXX XXXX and that XXXX XXXX XXXX XXXX XXXX is there client. I done research on this Law office Kenosian and Miele, and they do unethical practices by illegally serving people wrong court date information and get a default judgement to garnish people wages or by illegally taking funds out of peoples account with out notification. I am afraid this is going to happen to me.
Product: Credit card

I am a senior citizen and to make ends meet took a partime job as purchasing manager for XXXX XXXX. They would transfer funds into my Capital One credit card account with a {$5200.00} credit limit. Once the funds cleared, I would purchase items on the CC up to the amount of the transfer. I called Capital One to confirm if the funds had cleared. They advised me that the funds were available. XXXX separate transfers were made about a week apart. I coordinated the purchases for {$9200.00} through the Fraud Dept of Capital One to make sure the CC was not denied. The Capital One Fraud Dept cleared all of the purchases. About a week later I receive a notice that my CC account was overdrawn by almost {$8000.00}. I asked how that was. Capital One explained that the funds that were transferred, the account they were transferred from was overdrawn and funds were unavailable. I asked how that could be since both Capital One and their Fraud Dept cleared the transfer and allowed the purchases. The CC rep said the funds actually did n't clear but were posted to my CC acount because I was such a good customer for over 15 years. I asked them to remove the charges from my account. They refused. I then filed a police report with the XXXX County Police Dept. Report # XXXX. I then called the Ohio Attorney Generals Office who referred me to the Controller of the Currency who referred me to Consumer Finance.
Product: Credit card

As a card member for over 7 years, my account was closed with my knowledge. 

During my many many attempts to get a resolution, the company continued to keep me on hold over 2hrs and talking to 7 different areas, no one could tell me when i was going to get my deposit refunded. 

Keep in mind that they have had my deposits of $ XXXX, gainfully earning interest that I will never get. I can not afford to wait for them to figure this out and Im asking, no, begging someone to help intervene.
Product: Checking or savings account

On XXXX, I submitted a claim for {$1100.00} against my XXXX XXXX, which at the time showed {$2900.00} available. This claim was for my XXXX annual payment of my XXXX supplement type XXXX XXXX, with XXXX XXXX. I submitted the claim online, and included a copy of the bill for {$1100.00}, and, for proof of payment, a copy of a page from the XXXX XXXX website showing my policy was paid to XX/XX/XXXX. I even high lighted the paid to date. At XXXX XXXX Tuesday XXXX, I received an email that Optum Bank calls " advice of deposit ''. This is a very meaning less email because it fails to mention which claim it is associated with. It tells you to check your account to see which claim has been paid. When I checked my account I did not see any new claim marked paid, but later saw they had debited my XXXX the amount of the {$1100.00}, showing a balance of {$1800.00}. Therefore, I assumed they were in the process of paying that claim. Today XX/XX/XXXX, at XXXX XXXX, I received an email saying my claim had been denied. When I checked my account, my XXXX balance is back to {$2900.00}, and the details of the claim show it was denied due to lack of proof of payment. This is even though My documents submitted with the claim show the policy is paid until XXXX
Product: Debt collection

I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again, if the information they are requesting were true ; the last XXXX of the SSN should at least match the consumer 's. I feel sorry for people who actually believe viscous companies like Portfolio Recovery when you are aware of all of your finances.
Product: Mortgage

My loan was sold to the current servicer SN Servicing on XX/XX/XXXX. Before the loan was sold, I had entered into a COVID forbearance with the prior servicer XXXX XXXX. I called XXXX XXXX and informed them that I had XXXX. The representative explained to me that I was eligible, and the phone call was all that was needed to enroll in the program. XXXX XXXX representative also said that the program is good for one year however, I have to call in every three months to see if I still needed the coverage, and at that point I could extend for another three months. I agreed, I was now enrolled in the program from XXXX thru XXXX. 

On XXXX XXXX SN Servicing purchased my loan. I then began to get phone calls and letters from SN Servicing informing me that they had purchased my loan and that I was due for payments. I told XXXX the 1st representative that I made contact with that I was on a forbearance from my former servicer. I told him that it was a federal program and that my old investor was XXXX XXXX, and the old servicer was XXXX XXXX, and asked them to honor the forbearance. I asked if they had any kind of program ( s ) that could help but he said they had nothing and that he would get back to me, he never did. I then began to deal with XXXX, and she also stated that they did not have anything but, referred me to the local agencies and also said " Those COVID programs should be abolished ''. I was also informed that the new investor XXXX XXXX XXXX was not a government backed investor, so they did not have to abide by the previous agreement which was set in place by XXXX XXXX. 

I sent the agreement from XXXX XXXX to XXXX at SN Servicing on XXXX XXXX in hopes that they would honor the agreement but, I have not heard from SN Serving currently. At this point my home is up for foreclosure and I am at my whit 's end and do not know what to do since I have only been given a foreclosure notice and no other correspondence. 

So, at this juncture I am asking that they uphold the agreement that was in place with XXXX XXXX until XXXX ( if needed ). I have lXXXX XXXX so I am still recovering at present. I would also like the foreclosure to be stopped immediately since this undue stress is detrimental to my recovery. I am working hard to get well and hopefully this stressor can be alleviated so that can have a full recovery and begin to make payments again.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT/PRINCIPAL I am writing to bring to your immediate attention the significant inaccuracies and incompleteness present in my credit report as furnished by your agency. Upon reviewing my credit report, I have identified numerous discrepancies that require thorough investigation and rectification. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, I am entitled to request that you conduct a reinvestigation of all accounts and information that I believe to be inaccurate or incomplete. Additionally, I demand that you provide evidence under 15 U.S. Code 6801 regarding the source and Maximum accuracy possible of the information contained in my credit report. 

Furthermore, I request that you furnish a detailed description, as required by 15 U.S. Code 6802, outlining the specific measures taken to collect, maintain, and report my nonpublic information. It is imperative that you adhere to the legal standards set forth in these statutes to ensure the protection of my privacy rights and the accuracy of my credit report.

Failure to comply with these demands may result in severe consequences, including civil liability for damages incurred due to the unauthorized collection, theft, and furnishing of my nonpublic information. As evidenced by past legal precedents, such as lawsuits against Experian, XXXX, and XXXX, credit reporting agencies have faced substantial financial penalties for violations of the FCRA. 

For instance, in the case of XXXX XXXX XXXX XXXX ( XXXX ), XXXX faced a {$60.00} XXXX settlement for inaccurately labeling consumers as potential terrorists or drug traffickers. Similarly, XXXX settled a lawsuit for {$700.00} XXXX in the aftermath of the XXXX data breach that exposed the personal information of millions of consumers. Experian also faced legal action and financial penalties, such as the {$18.00} XXXX settlement in the case of Consumer Financial Protection Bureau ( CFPB ) v. Experian. 

I hereby demand that your agency immediately initiate a thorough reinvestigation of all accounts below, and information on my credit report that I believe to be inaccurate or incomplete. Additionally, I request that you provide evidence and detailed descriptions as outlined above. 


[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] Failure to comply with these demands within will leave me with no recourse but to pursue legal action to enforce my rights under the FCRA. As evidenced by past lawsuits against Experian, XXXX, and XXXX, credit reporting agencies are held accountable for violations of consumer rights. 

Your prompt attention to and resolution of this matter are imperative. I expect to receive confirmation of the commencement of the reinvestigation process and the provision of requested evidence and descriptions within the specified timeframe. 

Thank you for your immediate attention to this urgent matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to take off fraud alerts from all three bureaus and have had trouble, I want all fraud alerts and statements deleted from all three of my credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

There is two delinquent accounts that are the same one.. XX/XX/XXXX for XXXX $ payment arrangements were made and they still sent it against my credit. Then XX/XX/XXXX they hit me again on the same account for XXXX $ please remove them from my credit
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 XXXX Date of Inquiry XX/XX/XXXX, XXXX Dat e of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraud investigation on my card for my Capital One XXXX. They made me responsible for the payments that I did not authorize because they said my card was present for the charges. That does not justify fraudulent transactions.
Product: Credit reporting or other personal consumer reports

I Had taken the XXXX  vaccine and had XXXX XXXX  and I almost lost my house and California relief grant helped me out! The Mortgage company was paid in full reporting incorrect! and this is hurting my credit saying paying Parcial payment when its not the fact! They have been paid in full and showing late payments when I took the government vaccine and it almost XXXX  me! so sad. XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> and there is other late payments that are inccorect
Product: Credit reporting or other personal consumer reports

Transunion and XXXX are not showing that my student loan balance is XXXX. When reaching out to both credit reporting agencies, I was informed that XXXX is not responding to either credit reporting agency.
Product: Payday loan, title loan, or personal loan

I ha ve sentWorld Finance se veral letters regarding the inaccurate information they are reporting to credit bureau but they consist on continuing sending false information and they also are re-ageing this account to keep it on my credit report longer.This is really hurting me financially and mentally. I recently disputed this account with the credit bureaus and the information was reported as verified and accurate.I 'm sure we both understand that most disputes are often conducted using software, such as   XXXX  , and that mistakes can be made. On  XXXX   XXXX ,  2017 I pe rsonally went in the office myself and ask for my printout/records but of course they did n't have them so on  XXXX  -17 I se nt them a certified letter asking them to investigate. Also to send me an explanation of the methods used, and a description/copies of records reviewed, when they conducted their investigation so I can conduct my own investigation into the accuracy of their records and verify that a reasonable investigation was completed. According to FCRA if they can not perform a reasonable investigation they have to remove this account from the credit bureau ASAP! If not i will sue. The original creditor can be held liable for reporting inaccurate informatio n (   XXXX  vs.  XXXX ,  XXXX  vs.  XXXX   XXXX   ), the FACTA le gislation passed recently allows the consumer to go directly to the original creditor and dispute information which the original creditor ( called the information furnisher ) in the FCRA, has supplied to the credit bureaus..   They have also sold this account to  XXXX   XXXX  so it showing on my credit report twice and really effecting me mentally and financially.
Product: Credit card

I routinely schedule my monthly Citi card payment online ; I also routinely find that the payment I schedule for XX/XX/XXXX, on or about XX/XX/XXXX, is not in the system. So I schedule it again the day its due. This past month, I went through this process ( checking to make sure my original payment was n't in the Citi system ), only Citi charged my bank account twice, overdrawing it. I called Citi immediately once I learned about the second charge, and they assured me they would stop it. They did n't. They tried to charge my account two more times, and when I called again, they said they were " investigating '' and could n't stop their system from the repeated attempts. When I then contacted them asking to be reimbursed for the overdraft fees from my bank ( now {$100.00} ), they said that because I scheduled both payments ( because their system failed to show me my first scheduled payment ), they wo n't reimburse me ( they also did nothing to even attempt to stop their system from charging my account ). I 'm now out {$100.00} ( and I had to delay or stop other payments as well ), and they 're stonewalling me ; I could use some help. 

Thank you
Product: Bank account or service

Bank of America ( BofA ) at XXXX XXXX XXXX XXXX XXXX NJ XXXX is refusing to cash my payroll check drawn on BofA. Do they have that right to refuse to cash a " Payroll '' check, if the account has enough money and I have ID?