23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX sent XXXX items ( broken coffee cup ... XXXX pendant ) to our address. WE DID NOT PLACE ORDER for these items. They continued to harass us with letters and then sent after one year to collection agency Sunrise Credit Services. We did not order these items..they can not prove it.. and need to show us written proof which I know they ca n't. They continue to harass and threaten. Amt. is for {$64.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2400.00}
Product: Vehicle loan or lease

I got a car financed through us auto sales in XXXX, now the company have closed and have sold my contract to XXXX XXXX XXXX XXXX I have a valid warranty on my car that nobody will honor but I am being charged for it. Ive been paying my car note on time and cant use my warranty and really feel like thats fraud on us auto sales inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I purchased a grill online from Lowes to be picked up at their location. After two months of not receiving a notification that the merchandise was ready for pick I decided to cancel the order. I went directly into the store to cancel the order on two different occasions and was told that as long as I didn't pick up the merchandise I would not be charged. I received my statement and I was charged for the grill. I called the creditor, Synchrony Bank and explained what happened and was advised to dispute the balance. I went into their webpage and disputed the balance. 

As of now, the balance still remains and when I called to find out what the resolution is, they said nothing as of yet and would submit a second dispute. Then they proceeded to tell me it would take another 60 days?!
Product: Credit card or prepaid card

A charge of {$130.00} was made on my XXXX XXXX credit card which I did n't recognized.. I called on XX/XX/XXXX to file a dispute, which they did, they put a comment about my account being in dispute on my credit report which knocked off 7 point from my credit score and I got an email confirmation. On XX/XX/XXXX, I called to find out the status of the dispute, reminding them of Reg E compliance which they have 60days to resolve a dispute, though no provisional credit was issued to me. They said they were still working on it. 
On XX/XX/XXXX, my billing cycle closes and I see {$130.00} statement balance on my account and {$27.00} minutes minimum payment due on XX/XX/XXXX. I called XXXX to remind them that I am not required to make any payment on a disputed amount and if they 'd concluded their investigation, I was supposed to receive a letter explaining how and why the charge was a valid transaction. They agent said the last note stated that my account was handled by fraud department and he 'd have to transfer my call. He got fraud and they claimed I 'd have to report my card lost/stolen so they 'd close the account and receive a new card. I was flabbergasted by his remarks and I told him I would do no such thing, that was lying. My card is n't lost/stolen and why no one told me from the get go that it would have to be handled by fraud department. An agent filed a dispute case when I called on XX/XX/XXXX and added a comment to my credit report and they were just now telling me it had to be handled by fraud department. I insisted that I would not lie about my card being lost/stolen and I wanted that statement balance removed because I was n't obliged to make payments on a disputed transaction, he got very angry and was extremely rude. He put me on mute/hold and then hung up on me. 
XX/XX/XXXX will be 60days from the day the dispute was initiated and XXXX is trying to cover up, knowing fully well that this would be a Reg E violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX Experian/XXXX  XXXX XXXX - XXXX Experian/XXXX ( duplicate ) XXXX XXXX - XXXX Experian/XXXX/ XXXX XXXX - XXXX Experian/XXXX  ( duplicate ) XXXX XXXX - XXXX Experian/XXXX/XXXX  XXXX duplicate ) XXXX XXXX - XXXX Experian/XXXX  I am filing a complaint ( above are the items ) regarding issues with DEPT OF EDU . 
I have filed many disputes with all XXXX credit bureaus on the following dates, XXXX. 
The issue is these account are well over 7 years reporting along with duplicate accounts reporting, And all paid in full. As you see XXXX has changed some account to Positive. 
As a result to these unsolved issues, This has caused me significant hardship. 
I'm Requesting the this CFPB assist in ensuring that this issue is removed from my credit report. And that the DEPT OF EDU honers the terms of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mercedes - Benz Financial Services Filed with the credit bureau that I was late on a payment in XX/XX/XXXX. I had realized the issue only when applying for a disaster loan that affected my business. Because of this negative remark, I was unable to qualify due to Derogatory Marks concerning my auto loan. I investigated and showed Mercedes via email that they were at fault as they switched my statements to electronic statements without notification. In addition, I was hospitalized during this period and without a statement, my caregiver ( XXXX  XXXX ) was unable to pay said bill. Also, concerning this payment, I called to rush payment after two days late as i checked payment status as it is also on automatic billing and the automated system said no balance due. The next month it had stated an amount in excessive of double my payment, which I paid in full. I have called numerous times including their submission form in concerns to this issue and they have promised calls back with customer service stating that it is notated on the account that someone will follow up. Not one call has been received and I have been fighting this issue for 3 months. They falsely reported this multiple times and their choice to not change or communicate said requests is fraud as they never notified me concerning the statement delivery switch. 
Issue number two is they continue to bill me even though they received a settlement on the vehicle and I have gap insurance through Mercedes-Benz Financial. Customer Service threatened me if I do not pay they will hold me to it on my credit. The documents are attached proving payment from my auto insurance company. A lawsuit is in the process for this institution as they also violated ADA, Americans with disabilities act, violating reasonable accommodations for those whom are XXXX  XXXX. 
These false reporting are causing the denial of an EIDL, Emergency Disaster Loan, of over XXXX XXXX dollars between my two companies. Damages more than this will be applied as well as they refuse to remove said debt from my account. This is fraudulent activity and any company supporting these actions are being listed in the pending lawsuit. 
The insurance company also delayed payment by 5 months ignoring my requests as well as this will be pursued in a different matter. 
Also, I logged into my portal to view status of my refund and they actualy ar requesting an additional payment for XXXX  with no desription of the reasoning. Image Provided.
Product: Credit reporting

On XX/XX/XXXX a debt collector called XXXX XXXX XXXX ( " XXXX '' ) unlawfully obtained a copy of my Experian credit report. The creditor did not have a " permissible purpose '' as defined in The Fair and Accurate Credit Transactions Act of XXXX ( " FACTA '' ). I have repeatedly reported this to Experian to no avail. Experian says it ' can not remove an inquiry ' which evidences a fundamental indifference to the complaint I am making. I have stated to Experian in no uncertain terms that it is not that I am trying to remove an inquiry from my report, but to prevent the infomation in my report from being released to one of Experian 's customers that has no legal permissible purpose to obtain the information. 

FACTA makes clear that " debt collection is a permissible purpose for obtaining a credit report under XXXX only in connection with a 'credit transaction ' in which a consumer has participated directly and voluntarily. '' XXXX ( XXXX ), XXXX. 

In this case, XXXX is attempting to collect on a beyond statute of limitations debt that allegedly arises from the towing and storage of a vehicle by a towing company. This is exactly the same situation in the XXXX case above, in relation to which Experian paid an {$8.00} XXXX settlement in XXXX. Likewise, in XXXX Experian Information Solutions , Inc., XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) the XXXX Circuit Court of Appeals held, just a few months ago, that a creditor may only lawfully obtain a credit report only if the underlying debt was in the nature of a credit transaction. 

Despite this, Experian is not vetting its customers to ensure this is not happening. Threre is no judgment, or contract, or credit transaction in this case. In fact, anyone can simply claim anyone owes them a debt but that does not then make it legal for Experian to divulge information in a credit report in violation of FACTA. 

An example of this extreme negligence on the part of Experian will now come in response to this very Consumer Financial Protection Bureau ( " CFPB '' ) complaint. Experian will conduct no meaningful investigation and almost certainly respond to the CFPB with a stock answer that does not address this complaint. Further, I expect Experian will do nothing at all to curtail the abuses of XXXX in unlawfully obtaining credit reports and using the information from those reports to harass the public. Experian 's indifference in this regard is a clear violation of the Fair Credit Reporting Act and Califonrnia 's parallel Consumer Credit Reporting Agencies Act.
Product: Credit reporting or other personal consumer reports

Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate and the outcome be removed today! 
XXXX XXXX
Product: Checking or savings account

Chase and XXXXXXXX XXXX  opened accounts with JPMorgan and XXXX XXXX disbursements and gave me a small percentage then never funded my checking accounts. Chase let a banker named XXXX XXXX move an investment account..now says they can't find it. They also moved an account to XXXX XXXX without authorization..now deny it exists. 
XXXX says an active for home banking account was just a debit card and I'll be arrested if I go to the bank. That's a money market account. XXXX XXXX only pays in dividends. It says so in the brochure. An attorney said all my deposits are securities and they have to give them back. 
XXXX XXXX XXXX texas
Product: Debt collection

I was XXXX XXXX and newly divorced I had to close my business down due to so many financial set backs and having XXXX young children I ended up getting evicted and was homeless for almost a year.I had no permanent address for anyone to contact me and that left me with no ability to contact the debtor and work anything out before it got to my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

XX/XX/2021 Receiving incessant calls from Midland Credit MGMT> Rep argued with me about removing my personal number from dialer.
Product: Checking or savings account

I opened my savings account with Wells Fargo in XXXX and have used it since. I moved to XXXX in XXXX, but left the account open to use on my trips to the US, with the intention to have it for when we retire and come back to the US. On XX/XX/XXXX I went into a Wells Fargo branch to make a deposit. They informed me that the account was due to be closed, since I have a foreign address. Since I have a permanent address in the US, this should have been easy, but they would not let me change the address. Finally on XX/XX/XXXX I updated my account with my US address. I call their Customer Service to make sure that the account was now fine and that it would not be closed. Shortly afterwards we received a letter asking for a W-8BEN, since my husband is a foreign national. We filled this in and sent it back the end of XXXX. Wtihout notification they closed out account on XX/XX/XXXX. This has caused us major problems, with my husband due to retire in the near future, since we need an account to prepare for our move back. I registered a complaint with Wells Fargo on XX/XX/XXXX. The case no. is XXXX. They said they needed approx. 12 working days to respond. I have not heard anything back from then. On XX/XX/XXXX Wells Fargo wrote again requesting for the Form W-8BEN even though they closed out the account.
Product: Money transfer, virtual currency, or money service

Im trying to access my Capital One accounts with another application to try to save me money. But XXXX policy does not allow this.
Product: Money transfer, virtual currency, or money service

PNC does not allow me to connect my bank account to XX/XX/XXXX
Product: Mortgage

The reason I am filing this complaint is because I have not been given the proper opportunity to save my home from foreclosure sale which is scheduled for Wednesday, XXXX/XXXX/XXXX. I have been working to achieve a workout solution to avoid foreclosure in working directly with XXXX XXXX Mortgage. In the first week of XXXX, I have not been able to reach my relationship manager/assigned XXXX with regards to my options to save my home shortly after the change from XXXX XXXX to XXXX XXXX. This lack of communication as impacted my ability to be able to speak with a live representative for now over XXXX weeks. I have submitted all financial information that is required of me on XXXX XXXX, XXXX. I have not received any calls or communication from XXXX XXXX acknowledging that they are in receipt of all my information and that such documents are being considered for all retention programs to save my home. I have made over XXXX attempts to reach them by phone and all I get is an automated system and a general mailbox to leave a message which I have done every single time that I called. I have not received any call backs. 
I was notified XXXX weeks ago with regard to my foreclosure sale date of XXXX XXXX, XXXX and have been working diligently to make contact with my case worker to no prevail. This is of great concern because I feel that nothing is being done with the information they requested of me and I provided on XXXX XXXX, XXXX. 
I am requesting for your assistance in hopes that you can assist with opening the lines of communication with my servicer, stop my foreclosure sale, so that I am given proper consideration to keep my home. I am also requesting for acknowledgement of the workout package I submitted to XXXX XXXX on XXXX XXXX, XXXX and the status of the review. I am also requesting for my assigned representative to contact me so that I am aware of the current status and if any additional information is needed from me to conclude their review of any programs that are available that can help me avoid foreclosure. 

Please assist me at all possible to remedy this situation as I am 100 % interested in keeping my home and have complied with supplying all required information they need for consideration. I have also spoken with an attorney and have been advised that my rights under the Homeowners Bill of Rights Act have been violated and may have no other choice to retain them for a fighting chance to keep my home. 
I can be reached at XXXX should you need to contact me for any additional information. 
Thanks in advance for your assistance and helping me keep my home. 

XXXX, XXXX XXXX
Product: Mortgage

I attempted to talk to XXXX XXXX at Wells Fargo Home Mortgage around XX/XX/XXXX. There is a recorded conversation stating if I was concern about my escrow we can do a trial escrow run. The trial escrow run was not going to affect me till the XX/XX/XXXX escrow will be ran. 
I get notified less than 30 days in XXXX of XXXX that I have a escrow shortage of {$130.00}. I was shocked. I never even called in yet to do a escrow trial and Wells Fargo decided to illegally ran my escrow which they did this malicious. I placed a call to XXXX XXXX again and did not get a return call till 10 days later which their policy should be returning phone calls within 48 hours or so. 
XXXX XXXX offered 24 months to cover the shortage but the payments will be from {$840.00} to {$860.00}, unless I pay the shortage will be only {$850.00}. I don ; t see how this will help the consumer when I be paying XXXX more and when the XXXX Escrow comes I be paying even more. This put me in a financial hardship. This only benefits Wells Fargo not the consumer with the higher payments and less than 30 days till XX/XX/XXXX. I then received my XXXX escrow which again did not except over {$100.00} I only expected at least {$50.00} I do get it that things went up but the XXXX escrow I should have been offered a better deal instead offering me to pay more than what normally it would be if paid in full. I don ; t need a breakdown on what went up, I already know this but the malicious and illegally ran escrow in XXXX should never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Great American Finance is still reporting old credit information and it is affecting my ability to obtain employment. I have tried to resolve through the credit reports but it comes back as " reporting correctly ''. I have written the company but they still ignore my request to remove it. Now it's been 7 years and it's still reporting. other than this " late '' my credit report is immaculate even during the pandemic. GAF also show inaccurate information on all 3 credit reporting agencies.
Product: Debt collection

XXXX XXXX XXXX which is a XXXX party company XXXX  ( stole ) my vehicle on XX/XX/2023. I was not given proper notice from the original creditor, PenFed Credit Union which a complaint will be filed against them as well. I did not receive a letter from PenFed the original creditor until on or about XX/XX/2033 and it is dated as mailed out XX/XX/2023, however my vehicle was repossessed ( stolen ) on XX/XX/2023. PenFed Credit Union gave XXXX XXXX XXXX which is a XXXX party company all of my personal information without my permission or authorization. I never entered into any contracts or agreement with XXXX XXXX XXXX so PenFed provided my personal information to this company which is a violation. I did not give them permission or authorization to use my information ( name, address ect ), nor did I give them permission to take my vehicle. 

There are things PenFed never disclosed to me in my original contract including they did not give me notice of my right to recission, they are reporting late payments on credit report and using unfair practices. Penfed failed disclose many things to me which are outlined in the letter that was mailed to PENFED on XX/XX/2023. They are threatening to sale my vehicle on XX/XX/2023 without giving me time to respond or dispute and failure to give me any notification prior to illegally stealing my vehicle. 
I
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXXXXXX XXXX XXXX  : ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ACCOUNT # XXXXXXXX XXXX XXXX XXXX  : ACCOUNT # XXXX XXXX. XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX  : ACCOUNT # XXXX XXXX. XXXX XXXX XXXX : ACCOUNT # XXXX XXXX. XXXX : ACCOUNT NUMBER # XXXX 15 USC 1681 section 602 A, States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years.

15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I checked my credit report and this inaccurate account still kept showing up on my credit report even though I've tried to dispute it before. Please block and remove this inaccurate account as soon as possible.
Product: Credit card or prepaid card

I received a letter in the mail from Bank of America stating, " They were unable to verify information for my Customized Cash Rewards XXXX Signature card application ''. I called the bank, who was able to verify fraud in regards to the application. This is the third attempt in two months to open a credit card with my information.