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

I notified each of the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX was not reporting an accurate amount. I have asked them to give me documentation that shows why I owe {$680.00}. I asked for the original contract I signed, past payment log, copy of posted checks etc.. to show how this amount was calculated. Each time I dispute this account it comes back " verified '', what is " verified ''? I am asking that they contact the company not by way of automation and get detailed information on this account. I contacted the collection agency and they have yet to give me the information as well. I am asking that either I get the information that I am requesting or this item be deleted from my file.
Product: Student loan

I filed a complaint on XX/XX/25 regarding a threatening voicemail I received from Navient. I attached the voicemail to the complaint. They have been calling now every night at XXXX. I will attach the voicemail again, which include threats of XXXX and XXXX. 
The complaint ID is # XXXX
Product: Student loan

In XXXX of XXXX, I had XXXX student loans that were in the deferment through J.P. Morgan Chase. At the same time I had an application pending for XXXX discharge of my student loans. I called customer service, of the servicer for the JP Morgan Chase student loan, numerous times to make sure that my student loan deferment was still in place while I was waiting decision on my application for discharge of the student loans because of the XXXX. They assured me I was fine and I did not need to make a payment pending decision of the discharge. Ultimately I was approved for the discharge and the loans were assigned back to the government and discharged effective back to XXXX. However I have 120 day late as of XXXX XXXX that should not be there and I can not get J.P. Morgan Chase to resolve this issue on my credit report. I was advised over and over that I needed to do nothing until the discharge went through. However they are showing a late on my credit report during the time they told me I did n't need to do anything and it was still deferred. I have disputed it numerous times with all XXXX credit bureau 's and they will not fix or delete the account. This is my last attempt, before I file a lawsuit for the damages I have incurred by higher interest-rate, to resolve this issue. This XXXX account is the only negative account I have on my credit report. I was told that it should not be on there numerous times by the customer service representative 's that were servicing the student loans before the discharge was approved. Thank you
Product: Credit card or prepaid card

In the middle of XXXX, I fell extremely ill and was hospitalized for nearly a week. Upon exiting the hospital, while still extremely ill, I noticed my credit score had dropped over XXXX points. This was after Bank of America closed all of my credit card accounts over a {$900.00} delinquent balance, without calling or contacting me once. 

I had called multiple times, attempting to speak with a representative, but the customer service line is so convoluted, confusing and buggy, it took me multiple attempts to speak with someone. Even then, I was hung up on multiple times by representatives who, it seemed, just didn't feel like helping customers/fellow employees. 

I contacted the XXXX support center and spoke with XXXX, and then his supervisor XXXX on XX/XX/XXXX while still very ill and recovering to try to rectify the situation, to no avail. I was told that, even though all of my other accounts had AutoPay enabled, this specific account did not have Bill Pay, AutoPay, or whatever other convoluted payment method enabled, even though I am certain I not only enabled AutoPay online, but scheduled multiple payments to pay, from an account that has well over {$300000.00} at any given time to pay balances which, at Bank of America, have never gone over {$10000.00}. 

I have been a customer at Bank of America for over 7 years, and an employee of the company for nearly 4 years. I had well over {$100000.00} of revolving credit and a net worth of nearly {$10.00} XXXX. None of this mattered, Bank of America still closed my accounts and decimated my credit rating without as much as a phone call. 

This is even more concerning, as, not to be overly contentious, I have been an exemplary employee, earning the company hundreds of millions of dollars. I earned the company so much money in XXXX of XXXX, that the company had to restate earnings by nearly {$600.00} XXXX higher than expected due to my contributions. It simply did not matter. The company just closed my account, and refused any further review. 

Even further enfuriating, the company ( XXXX XXXX told me that I was deemed a 'credit risk ' for my {$900.00} delinquent balance. This is laughable, as the company owes me more than {$3.00} XXXX of deferred compensation, as well as my salary being many XXXX multiples of the {$900.00} balance. To put it bluntly, even disregarding my deferred compensation, the company, at any given time, due to time worked, owes me more than {$900.00} when taking into consideration accrued pay, accrued vacation, sick leave, etc. 

I just want the company to resintate my accounts, with their former available credit balances and length of account history. I am planning on buying a house this year, and my credit score dropping from an XXXX to a XXXX will cost me hundreds of thousands of dollars in incremental fees, interest and expenses.
Product: Vehicle loan or lease

Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX, I am writing to file a formal complaint against XXXX of XXXX XXXX XXXX XXXX purchase of a XXXX XXXX XXXX XXXX Below are the details : Purchase Details : Date of Purchase : XX/XX/XXXX Vehicle : XXXX XXXX XXXX Dealership : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : {$25000.00} ( out the door ) Final Price Charged : {$26000.00} ( Discrepancy : {$900.00} ) Financing : XXXXXXXX XXXX XXXX Issues Encountered : 1. Non-receipt of Title : Despite repeated requests, the dealership has failed to provide the title for the vehicle. It is illegal in New York State to sell a vehicle without transferring the title to the buyer. This has caused significant inconvenience and is a violation of New York State law. 
2. Price Discrepancy : The final price charged was higher than the agreed out the door price, resulting in a discrepancy of {$900.00}. Although I do not have the paper with the agreed-upon price of {$25000.00} ( as it was conveniently thrown out ), it is indirectly shown by my financial loan of {$24000.00} and my down payment of {$1800.00}, which together equal {$25000.00}. The used car sales manager and the salesperson I worked with were present and should be able to testify that the agreed amount was {$25000.00}. 

Attempts to Resolve : In-person Visit : I visited the dealership in person on Monday and addressed my issues calmly. As I was on the phone with the XXXX XXXX XXXX representative which they politely asked for the dealership to give them a call which the general manager XXXX XXXXXXXX refused. During this visit, I was overall brushed off by the general manager. 
Formal Email : After being brushed off in person, I sent a formal email on Tuesday. This prompted a phone call from the general manager XXXX, during which we were able to have a civil conversation. However, we still could not reach an agreement. 
XXXX XXXX XXXX : I have spoken with XXXXXXXX XXXX XXXX representatives who stated that it is feasible for the dealership to rescind or cancel the loan, but the dealership needs to cooperate to make this happen. In which they were very uncooperative. 

Requested Actions : 1. Cancel/Rescind the auto loan with XXXX and refund all payments made to date. 
2. Accept the return of the vehicle without any penalties.

3. Provide confirmation of these actions. 

I let the dealership if this issue could not be resolved, I will take further actions, including filing complaints. 

Contact Information : Name : XXXX XXXX Email : XXXX Phone : XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Citi bank continuously for a year illegally withholding money from my account and never credited the sign up bonus to my account after all conditions have been met almost a year ago. The bank has been informed and sent twice by regular mail and once via email with proof of delivery all the documents they needed signed back to them, however, they continued to withhold the money from my account on a monthly basis and never credited my sign up bonus.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I wrote to you, demanding an investigation into items that I considered were fraudulent, erroneous, or improperly reported. To date, the only response I have received is a computer-generated letter claiming that you have discontinued review of my credit reports because you believe I employed a third-party credit repair firm. Not only do I believe this is a stall tactic on your behalf to allow you an extra 30 days to comply with my original request, but I also believe it is a clear violation of the FCRA.
Product: Student loan

In XXXX I filed bankruptcy. That bankruptcy was discharged in XX/XX/XXXX. My Sallie Mae private student loans were included in this discharge. But very shortly after I received communication from Sallie Mae stating I still owed these loans a payment was to restart. Theyve sent me bills every month since and Ive paid them for around 5 years now, ( because they told me I had to ). I have paid off my one loan completely and am only down to around {$900.00}. XXXX on my second loan. I just received a letter dated XX/XX/XXXX from Sallie Mae stating my loan ( singular since my other is paid off ) has been included in a bankruptcy discharge. I called and they confirmed their bankruptcy department was working on discharging my loan. The problem is Ive paid them around {$16000.00} already on 2 loans that were discharged in XXXX because they told me I had to. If I was late on payments they called over and over and charged me late fees. I want all my money back every cent Ive paid since XX/XX/XXXX.
Product: Checking or savings account

On XX/XX/year> logging into my BMO account in order to XXXX  my son {$100.00}, I noticed a pending ACH to XXXX XXXX for {$3600.00}. I immediately called and after 3 attempts to block the ACH with customer service agents who said they couldn't help, I requested the manager, XXXX. He said they couldn't stop or block the ACH but could only freeze the account and submit a fraud investigation. In the process, I identified 3 other unauthrozied/fraudulent ACHs to XXXX for {$500.00}, {$200.00} & {$50.00} that occurred on XXXX. XXXX said we had to submit another fraud investigation. XXXX said the bank could not provide a timeline for resolution but did say I would received written notification. To date I have not. Nor is there anything on the website from the company regarding my problem when I login ( now with a new password ). There is no way to use chat, send a secure email/or any email nor any information about how to communicate with the bank in writing whatsoever. More troubling there's nothing on the site about fraud alerts or anything about an emergency problem like fraud. I tried calling today with the confirmation codes XXXX gave me but the agent said there was nothing to report.
Product: Debt collection

Told me that was going to pay them or else and the manager came on the line and started using profanity towards me. Central portfolio control.
Product: Debt collection

Hello..on Monday XXXX XXXX i had recieved a Medical Bill from Overton, Russell , Doerr and Donovon LLP located at XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and bill stated i owed {$1000.00} and i had failed to pay or failed to make arrangements for payment. It is to my understanding a debt. Collector must give a debtor the right to dispute prove the bill is valid which i never had the chance from this collection Agency i just recieved a bill i owed. I called them today and when i questioned them on why i got this bill and not a right to dispute first. of course i got the answer '' we did send you a notice, its in our computer. '' i argued with them over it replying i never got any notice otherwise if i did i would of called or responded by certified mail right away.I had dealt with a collector before and i know its important once a notice is recieved is to respond quickly as you can.I did research this Company and they have numerous complaints on them. ( XXXX them )
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my XXXX XXXX by appearing on my credit reports. Please have these removed ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear XXXX/SUNBIT, I am writing to address a serious violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Missouri Revised Statutes under Sections 407.970 and 407.972, and identity theft fraud laws, specifically Missouri Revised Statutes Section 570.223.

It has unequivocally come to my attention that XXXX/SUNBIT has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 407.970 of the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 407.972 of the Missouri Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Missouri Revised Statutes Section 570.223, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for XXXX/SUNBIT to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that TAB/SUNBIT immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 407.970 and 407.972 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX/SUNBIT will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith, XXXX XXXX
Product: Debt or credit management

Please see the attached downloaded transcript from the conversation dated today, XX/XX/year>. I paid Five Lakes Law Group {$520.00} twice monthly for debt consolidation with XXXX. Once this account is paid in full, I will no longer have an account with their company. I noticed that I'm paying {$1000.00} a month, but they are paying {$320.00} to the creditor for XXXX installments. I requested that the company pay the creditor more so I could pay them off sooner, but I was told it was against XXXX 's agreement to pay more than the agreed amount. I was told initially that if you pay more, the debt would be paid off sooner. Since I was told this would be a breach of contract with XXXX, I requested the agreement stating it would be a breach and asked to reduce my payment to {$520.00} a month instead of {$1000.00} since overpayment was not allowed. I was told I would have to pay more money, {$390.00}, because I would be breaching my contract, and my ending balance would be {$9100.00} even though I currently have a remaining balance of {$4900.00}. I'm trying to pay my debt as quickly as possible, but I don't understand why I am paying 3 times the amount they are paying the creditors with no progress. According to our chat thread, the service fees are included in the monthly payment to the creditor, and with my calculations, the {$520.00} would provide a surplus to the company without affecting the repayment agreement.
Product: Debt collection

AFNI is a collections company that appears to have purchased a debt. This isn't a debt I own. The party will not issue the original contract to to verify this fraudulent account therefore I'm seeking remedy. 

The credit reporting.states it's an account.of.Sprint. This is not an.account I own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent requests asking Experian to investigate my accounts. It has been over 30 days and the consumer reporting agency is in violation. 

According to 15 USC 1681i - Experian had 30 days to investigate and send me results. 

And they also didnt even record the current status of the disputed information which is another violation. 

They also keep asking for identification that I've already sent to them numerous times, playing games with my requests and causing intentional delay. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is ( FTC Complaint Number ), filed on ( FTC Complaint Date ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020
Product: Credit card or prepaid card

My application for an XXXX Mastercard was denied, presumably in part because of the incorrectly low credit score listed in the adverse action notice. When I called Sychrony Bank to ask for an explanation, as I have excellent credit, with a score above 830 and more than {$200000.00} on deposit in a Synchrony Bank savings account, the phone representative was unable to give any more insight as to why the bank denied my application on the basis of weak credit. 

The adverse action notice lists XXXX XXXX as the source of the credit report. XXXX is not, to my understanding, a standard credit reporting service and does not have access to information that would be standard for FICO, XXXX, XXXX, etc. The adverse action notice listed my credit score as XXXX, which is more than 150 points lower than all the scores I have been monitoring through other bank account relationships ( XXXX XXXX XXXX and XXXX for example ). 

As one of the nation 's largest banks, with reportedly more than {$79.00} XXXX in assets, it strains belief that XXXX uses only the non-conventional, non-standard XXXX XXXX to access prospective customer credit information. 

These facts suggest that Synchrony did not believe I would be a profitable customer ( in terms of spend and balances carried ), so used the XXXX pull as a means for denying my credit application. 

I am filing this complaint because I think my experience with this credit application may have exposed a bank practice by which certain customers with excellent credit are denied under the pretext that they have insufficient credit. These customers are harmed because they go through the time and trouble to apply for credit, have an inquiry made to their credit reports, only to have their applications quickly denied.