23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

twice in less than a year my account was locked out when I tried to pay. ID 7 Password saved on computer and still won't accept. Their password link doesn't accept the answers forcing me to make a several minute call to get cleared up. I pay more than asked for and they aren't making enough ... ..I guess. They make it very difficult to make over payments.
Product: Checking or savings account

I had accounts between XXXX with TD bank and all my accounts close and all the accounts had fees access to the account not only the fees but TD share my information without my consent and the fees that were charge on my account were fees were a merchant submitted payment to my account for the same amount multiple times. 

The Gramm-Leach-Bliley Act requires you to develop privacy practice and policies and detail how you collect, sell, share and reuse consumer information. Also, consumers must be giving the option to decide which information, if any, a company is permitted to disclose or retain for future use. 

Pursuant to Fair Credit Act section 15 U.S.C 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to Privacy section 611. Procedure in case of Disputed accuracy [ 15 U.S.C. 1681 ] Section 5, 15 U.S.C 1681b-Permissible Purposes of Consumer reports. There was no order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with the proceedings before a Federal Grand Jury or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 3 months of dispute, the Credit Reporting Agencies have not yet complied with the Fair Credit Reporting Act section 605b, and have kept reporting the disputed accounts as verified! How many times do I have to tell the Credit Reporting Agencies that I was a victim of identity theft and that the disputed accounts were the results of such crime! I previously sent a dispute letter to each of the Credit Bureaus requesting that the Credit Bureaus remove the disputed accounts and information completely from my Credit File. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please remove these files. If the Credit Bureaus really feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need the remaining items removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, or personal loan

Ive called SANTANDER CONSUMER USA XXXX, and have asked their XXXX office multiple times if they could correct my billing error. 

Pursuant to XXXX XXXX XXXX ( B ) ( i ) - Correction Of Billing Errors I, XXXX XXXX, the natural living consumer and XXXX, has reason to believe and does so believe I have received a billing error from SANTANDER CONSUMER USA XXXX, and I need all disclosures required by federal law to satisfy the billing error dispute.
Product: Credit card or prepaid card

I applied for the wells Fargo cash advance credit card XX/XX/XXXX and deposit a balance transfer check of {$16000.00} I received in mail on XX/XX/XXXX from Wells Fargo cash advance credit card department following the instruction provided by their customer service rep. 
It was cleared on Sunday XX/XX/XXXX and I started to pay off other credit cards and bills on XX/XX/XXXX like the customer rep suggested.But it turned out Wells Fargo Credit Card Department voided the balance transfer check later on XX/XX/XXXX which resulted a {$9500.00} cash advances kicked in my Wells Fargo due to that Wells Fargo balance check voided. 

So, I went to the branch at XXXX XXXX XXXX, XXXX, Pa for help and private banker XXXX helped me escalate the case on XX/XX/XXXX and she called me back 2 weeks later as she promised and told me that the issue was resolved, all the overdrafted fees were waived and the {$9500.00} cash advance was corrected to balance transfer like I initially planned. Also, I was told that there would be no interest will be charged and I could complete the remaining amount of {$6800.00} ( $ XXXX- {$9500.00} ) balance transfer and take advantage of the 0 % interest if I want.So, I did the balance transfer of {$5900.00} on XX/XX/XXXX. However, I realized there were intrest charged and has been calling for having the issue resolved. Wells fargo refund intrest of {$540.00}. 46 but refused to refund the remaining intrest of {$1300.00}. 89. To avoid being charged continuesly, I ended up paid off all the balance transfer and the cash advance on XX/XX/XXXX since the banker told me any extra payment I made every month would paid towards balance transfer amount only but not the cash advance balance and I could not just pay off the cash advance balance first. I have submitted complains to their escalation team more than 4 times and just received their last final notice from XXXX XXXX. from Executive Office Case Specialist on XX/XX/XXXX and they still refuse to refund all the intrest they charged. Also, the last case was assinged to XXXX XXXX on XX/XX/XXXX before I received the letter. I had options to use other bank 's balance transfer benefit and also resolve the cash advance intrest charge if they did not tell issue was resolved and their misinstruction to begin with. So, I demand them refund me the remaining of intrest of {$1300.00}. 89 they unfairly charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have some credit issues starting with can XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX do to XXXX XXXX, XXXX and explain removed them with no problem. Please help me get this issue removed and resolved. Thank you kindly
Product: Credit card or prepaid card

XXXX this is my Complaint Id #. I have explained everything, not sure what is going in with this case? 

I refuse and will not pay anything I was frauded on. This will have to be in collections because I am not paying this. I do not know this person, and have no idea why are people getting away with XXXX people out of thousands of dollars. It is very sad that this is being done and no one is helping us. Why would I authorize and send someone money that I barely have, I live from check to XXXX check and thus is ridiculous. I am not paying this at all, I was reaching out to you all for help.
Product: Credit card

Received a letter from Concora Credit dated XX/XX/year> saying I had applied for a Milestone Master card issued by the XXXX XXXX XXXX but it had been denied. 
I did not apply for this credit card. 
I called Concora Credit. The first thing I was asked to provide was my social security number which I would not provide.

The woman on the call could not tell me how this credit card had been applied for- she would not give me any information.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, which you claimed was verified. Since I believed you didnt properly investigate my dispute I contact the data furnisher on the previous month. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to correct or get rid of the following items from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX 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 XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX : {$2100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Today I received notice regarding my Macy 's American Express Card interest rate which is being raised to XXXX  %. The returned payment fee is {$41.00}. 
While I do not carry a balance on my Macy 's account, I find their new rate outrageous and usurious. 
With a favorable outcome of the XXXX election, I'm hoping that the CFPB will be able to take on these greedy businesses that take advantage of Americans who are victimized by them every day. 
Thanks XXXX XXXX
Product: Mortgage

I have gone online and called Mr Cooper XXXX times and ordered a payoff request for my mortgage. Each order has resulted in another letter inviting me to make a payment, or contact them for a payoff quote. 

With each order, I have asked for a standard mail delivery to avoid a " quote fee '' associated with an immediate delivery method. 

Today, I made XXXX attempts to reach a " live '' person to find out where they are dropping the ball, but the prompts only take you to a loop and hang up when you ask for a representative. 

They are trying to collect additional daily interest by dodging payoff requests. This is resulting in their netting hundreds of thousands in additional interest collections through customer abuse. These people are predators trying to squeeze every dime possible from the public.
Product: Checking or savings account

My Apple credit card and savings account were frozen on XXXX XXXX XXXX. I have been unable to access my funds since then. Ive repeatedly contacted Apple for support. But they refuse to tell me why my account is frozen, or when the issue will be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my credit report as a result of fraud and identity theft. Letters and letters of the law have been sent to all three credit bureaus. I have also submitted an affidavit and police report. I request for these unauthorized items to be removed. The following collections, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I've always guaranteed timely payments on this account, ensuring they are never overdue. Nevertheless, I'm unclear about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 {$1200.00} This is not my account I have ask for them to verify the information that I sign and any record showing me thats its my account I have yet to receive that they are reporting false information to my credit report which is by law needs to be removed
Product: Credit card

I called discover card XX/XX/XXXX to tell them that I lost my card. They froze the card and told me I would not have to worry about any charges on the card. I even asked if this applied to recurring charges from subscriptions. They said yes there would be XXXX charges on my account until I gave them my new credit card number. After checking my credit card statement, they lied and there was charges on my card. Why are there charges on an account that was reported lost? Discover should be liable for these charges after lying to me.
Product: Debt collection

Complete Credit Solution is reporting false information on my credit report for debt I do not owe. Credit Complete Solution is reporting on behalf of XXXX. I received a loan forgiveness and cash settlement from XXXX due to class action lawsuit that was approved and finalized by a judge in XX/XX/XXXX. I received my cash settlement from XXXX in XX/XX/XXXX. XXXX was sued because they processed loans that were made at annual interest rates greater than what was approved by state law and the company did not have a license to lend in the state when one was required. As part of the class action lawsuit that was approved by the courts, XXXX is to remove all negative information from my credit report and reflect the loan paid in full as I have received a cash settlement and therefore could not possibly owe the same amount this company is reporting. I have trie in good faith to reach out to this company and the number listed on my credit report is disconnected. I have sent proof of paperwork from judge showing details from class action lawsuit and credit bureau continues to report information accurate when they are not taking the time to investigate my claims. My intention is to file a claim every month until this is removed from my credit report as I will never pay something I do now owe. I have proof of court documents showing I was included in class action lawsuit along with copy of cash settlement payment received from XXXX. Why does Complete Credit Solution continue to report negative and inaccurate information? This is sp frustrating to the average consumer who has to continue to fight to remove incorrect information off of their credit report, however I will do so until this information is removed. It is expected to remove from credit report until XX/XX/XXXX, however I will continue to submit my claim until it is finally removed as this debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission XXXX FTC ) ( 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 should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-644XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance
Product: Credit card

Requested the missed payments and accuracy of the account be adjusted due to the fact the account was charged off AND closed almost 7 years ago. Company then changed the status to open, registering XXXX missed payments on my credit report because now it's tracking past the date of closure sinking my payment history, obviously did not adjust the closure date, charge off date, payment history and retaliated my dispute by adding XXXX missed payments to it. Absolutely horrendous reply. They updated payment history to keep the account open past the fall of date, last payment says XXXX of XXXX when I have not had contact with any debt XXXX, discover or affiliates since before XXXX.
Product: Debt collection

Last year XX/XX/XXXX I submitted a complaint through the Consumer Financial Protection Bureau against Resurgent Capital Services/LVNV Funding for the account # XXXX that they purchased from XXXX XXXX and placed it in collections on all 3 of my credit reports with XXXX XXXX and XXXX saying that it was my debt. I have sent several dispute letters to Resurgent Capital/LVNV Funding disputing all their continuous false allegation about this XXXX XXXX XXXX that they purchased that is not mine. They have sent statements trying to prove it was mine. A statement doesn't mean that's my debt. I have requested for signature and they have never provided one. Last year, they responded to my complaint with a 52 page letter that was very ill-informed. This company has destroyed my credit ratings for years and I refuse to continue to sit back and let with me knowing this is not my account. In the quest to continue to fight I continue to dispute XXXX XXXX XXXX the original owner of this alleged debt. On XX/XX/XXXX I received a written, legal document from XXXX XXXX XXXX further proving my case that after their investigation they found I am not responsible for any PREVIOUS or FURTHER balance incurred on this account. The site wouldnt let me Attach the letter from XXXX XXXX but I sure mailed it to Resurgent Capital compliance address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2018 I started the process to open a XXXX XXXX account that provided an debit card. In order to open this XXXX XXXX account, there was a lot of forms that needed to be filled up. I was also under the impression that the debit card would be XXXX XXXX  compatible as shown on their website. When I received the card, I attempted to add this to my XXXX XXXX  wallet, but it kept failing. 

When I reached out to XXXX XXXX about it, they told me that the account type I opened was incorrect and they would be happy to open the right account type for me. Unbeknownst to me, they ran a hard credit inquiry on me. When I found out about this I called XXXX XXXX again about it, and they apologized for it and had me close the new account. They also said they would contact the credit reporting agency ( Equifax ) to retract the inquiry, and I would have to wait 90 days for this to take effect. 

90 days have passed. Equifax still has the record, and XXXX XXXX conveniently passed this off as my responsibility to contact Equifax. When I talked to Equifax, they refused to help me or give me any status update about this, telling me it is XXXX XXXX 's responsibility to remove the inquiry. 

At this point, I'm out of options as both parties ( XXXX XXXX and Equifax ) have refused to offer any assistance.
Product: Money transfer, virtual currency, or money service

As a client of JP Morgan Chase, I wish to use your organizations service to settle my dispute with the bank
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. US DEPT OF ED XXXX XXXX U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unaware that a debt was sent to collections until after the company sent me a letter. They place this on my credit report on XX/XX/2018 after the original creditor sent it to them on XX/XX/2018 which is the same day I moved out. This debt was not even 30 days past due before they place it on my credit report nor was I aware that all of this has token place. I received a letter from the collection agency on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car and it was a total loss. The company XXXX was going to be paid in full for the full balance by XXXX XXXX. They have reported the loan late every month eventhough the loan was to be covered because it was a total loss. This has stopped me from being able to qualify for a home loan becaus they should be reporting the balance as {$0.00} amd never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with an agent at Capital One about my account that is showing two recent 30 day late payments and he told me that it's not late and i let him know that it has been reported to the credit bureaus and dropped my credit score.
Product: Credit card

I'm going through a financial hardship and they are not working with me on my balances. I was involved in a data branch from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that have been fraudulently opened in my name. The following accounts XXXX XXXX, and all the accounts listed as Dept of Education/XXXX. These accounts do not belong to me & I didn't give anyone permission to open them in my name. I have been a victim of identity theft and I have explained that the Equifax without any assistance. I have send the documents that they requested, a police report, ID, identity theft report but they still report these accounts.