23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am currently waiting as I have made XXXX payments of the required XXXX payments for student loan forgiveness. I was advised to switch to the XXXX plan which I did and this is now on hold due to the pending lawsuit. I put in a request to change off of XXXX back in XXXX and it shows as still pending despite faxing the information to my provider as asked to. I have certified my employment to show I have worked the 120 months and have submitted buy back requests since XXXX, which was my final month. I have called multiple times and have been simply told to wait. I have also submitted another request to start repaying in XXXX to at least continue with my student loan forgiveness payments and that simple says pending too. I am hoping for some type of relief to finally pay off my loans and qualify for the program I agreed to and have completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called to speak to someone they give me numbers to folks that cant help which is a runaround and the website is giving a error message so you cant file a dispute online. However the issue is my self finance credit limit is showing {$200.00} which was reported to transunion which is inaccurate and my actual limit is only {$150.00} so my credit dropping by XXXX XXXX for something that was not even accurate. As you can see my balance is XXXX. My statement for self dont even close until the XXXX. Today is the XXXX so how it dropped and my self card was paid for on the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX from XXXX XXXX also known as XXXX XXXX XXXX on XX/XX/XXXX. I specifically instructed them to use XXXX because I already had a line of credit with XXXX. Instead of doing as I requested they send several different companies my credit reports and scores without my consent. Once again I specified XXXX only. I checked my hard inquiries and Transunion shows one hard inquiry against me that I do not recognize. It states : XXXX To Inquiry from XX/XX/XXXX Automotive This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 
Find out how to dispute a hard inquiry Institution Information XX/XX/XXXX To XXXX, TN XXXX ( XXXX ) XXXX " I have tried contacting this number and it says the number has been disconnected or is no longer in service. '' I want to know why XXXX XXXX sent inquiries to companies without my permission because I stated XX/XX/XXXX only. This one inquiry isn't even legit because I can't contact them and by law I am lawfully given the right to contact or have an address and phone number. Thank you and I hope you can help me. These hard inquiries stay on my credit reports for up to 2 years, which drops my credit score with each hard inquiry. 

XXXX Inquiry from XX/XX/XXXX- Finance This inquiry could stay on your report untilXX/XX/XXXX. 


See an error? 

Find out how to dispute a hard inquiry Institution Information XXXX   XXXX, TX XXXX ( XXXX ) XXXX " This is XXXX  XXXX, which I would never do any business with them ever. '' I did call them and was told XXXX XXXX could have this removed from my credit reports by sending them a letter stating it was by mistake. Also no information is given on this report or inquiry. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX- Automobile Dealers, New This inquiry could stay on your report until XX/XX/XXXX. 

See an error? 

Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. This dealer goes by the name : XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX!!! I also received a letter today XX/XX/XXXX from XX/XX/XXXX XXXX XXXX   with a hard inquiry from XXXX ! I did not give consent or did not want financing from XXXX  XXXX XXXX, specified XXXX only. That should have been the only financial institution used to finance the XXXX.
Product: Checking or savings account

I am filling a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$710.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; A XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Vehicle loan or lease

My complaint with Santander Consumer USA is that they have incorrectly applied payments to my account. My payoff amount is at {$20000.00} with over 3 years of payment on a {$25000.00} loan. Upon review of my payment history, they have opted to apply the full amount of several monthly payments to the interst on yl and none to the principle. This has occured despite the fact that I have paid a few dollars over the actually amount that is due each month. I have tried talking to them about this but they only try to fast talk me and call out a bunch of dates and number in an effeort to confuse me and address the real problem. The representative even admitted that the way they had applied the payments is not something that is outlined in my contract. They have taken upon thenselves to frontload the interest payments as opposed to applying the payment to both the principle and interest appropriately and according the the percentage of the interest rate. This is unfair and a malicious practice. I beleive the payoff would be approximately {$10000.00} less had they applied the payments as they should have.
Product: Credit reporting or other personal consumer reports

Despite my previous three written requests, the unverified items listed below still remain on my credit report in blatant violation of Federal Law. In their responses to my dispute letters, they claimed to have verified the items as accurate but failed to provide copies of the documents used for verification, as I explicitly requested.

Their failure to provide these documents clearly indicates that they can not and did not verify any of the disputed accounts as claimed. Moreover, their refusal to delete the disputed accounts they can not verify, even after two written requests, demonstrates a willful disregard for Federal Law.
Product: Checking or savings account

I deposited a check for {$95000.00} into my friends account he walked in a deposited it they told him it would be no problem and now they have blocked his account the money has been pulled from the issuers account and put into my friends account but they wont release funds until they can call me on a phone that comes up on their system as registered in my name so I went and bought a new phone registered in my name and now they say it takes 4 to 6 months for a new phone to show up in someones name if its a new phone so theres nothing I can do except call the issuer of the check and ask them to put in a claim for the money and hopefully they return it. I sold my XXXX XXXX for this money because my mom is losing her home I can not wait 6 months for my money to be released I have a chase credit card with my name on it and my phone number is on that account as well and still they wont release funds because my phone doesnt come up in my name on there system I can not believe this I talked to the issuer of the check and they said basically they paid me and the funds have been pulled from their account thats all they can do chase has my money they know exactly who I am and still wont release my funds they have closed my friends account the lady at the XXXXXXXX XXXX said when my friend deposited that check he committed fraud yet 3tellers looked at the check and had him sign it and then deposited it into his account I need this money my mom is losing her house please help
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX am a victim of identity theft, request removal and deletion of the listed fraudulent accounts on my Transunion and 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
Product: Credit card or prepaid card

I was taken off of the one year 5.99 % APR plan as excepted, but then immediately put on an 17.99 % APR which is higher than it's ever been. During a global pandemic, American Express, who is making record profits, has refused to reduced my APR or offer any resources whatsoever to address the issue. I have a flawless payment history with American Express and have done business with the company for over 5 years. The only thing a supervisor could do was submit an internal compliant ( Internal Complaint # : XXXX ). If you could address this sudden rise in APR, which is jeopardizing my finances, please contact American Express to rectify the situation. I appreciate your help here.
Product: Money transfer, virtual currency, or money service

I opened an online account with Chime. They asked for my Debit card number. They allowed me to transfer {$5.00} immediately as a test. It worked. My daughter sent me {$270.00} on Chime. I tried to transfer it to my checking account. They asked for my routing number and my account number. I gave it to them. But, when I tried to transfer my money from Chime, they said I must get their debit card then. Do, I did. I opened the card. I transferred the money from Chime to my banking checking account. It said I would get the money in 3 days. Today is the third day and Chime now says they cant help me. I will simply have to wait for the money. Instant transfer of {$5.00} first. Instant transfer of {$270.00} onto my Chime account from my daughter. But I can not get my money without them having my routing and account number, having to open their Debit card that I NEVER asked for, and waiting almost a week to get my money ( they now say I should have my money by next Tuesday ).
Product: Checking or savings account

Earlier this month I got a letter in the mail saying Chase was closing my checking account on XX/XX/XXXX due to suspicious activity of funds. I have never been involved in any fraud or suspicious activities assumed upon me. I am a XXXX XXXX XXXX XXXX  who goes to school, work and home. Ive very upset about this circumstance because I love using Chase and have ever since I was old enough to open a bank account. I called the customer support number, XX/XX/XXXX to see if there was anything I could do. The representative told me I could never open an account with chase again and there was nothing I could do. I dont think this is right and this is why Im filing a complaint. Please help me in not getting my account closed, I havent done anything wrong.
Product: Bank account or service

On XX/XX/XXXX, we receive notice from Wells Fargo that we had to close all of our accounts in 35 days. We have no idea why. All they would say to us is that we are not beneficial. Wells Fargo purchased the bank that carried the original accounts. We had a question about the exorbitant fees charged for cash deposits. They set us up with a separate checking account for our cash deposits so that we could write a check to our business account without being charged fees. On a separate occasion, I had a meeting with two of the bankers ( I called them wolves ) who tried to frighten me into letting them invest some of my money into different areas. Needless to say, I left the bank very upset.. We had our flooring program through XXXX. Wells Fargo purchased XXXX. We received a letter dated XX/XX/XXXX that our flooring privileges were being terminated. We still can not find out why. We would like to know what we have done wrong. We still ca n't get an answer. If we have done something wrong, we 'd like to be able to correct it. All of our units were paid for on time, and we never had a problem when we were dealing with XXXX. After Wells Fargo took over XXXX, they did an audit of our books and the auditor found everything in order.
Product: Debt collection

I have attempted to get this debt off of my credit report now 3 times, and they continuously state the information is valid, even though the original creditor is unable to find any record of me in their system. The below is a letter I have sent to them asking once again for an investigation into the issue, as requested by a representative I spoke with on XX/XX/XXXX named XXXX : To whom it may concern, Attached is the XXXX Balance Letter that was sent to me via secure email from XXXX XXXX. They are a company that handles the billing for XXXX of XXXX XXXX, XXXX and/or XXXX XXXX XXXX XXXX. I personally called XXXX of XXXX XXXX  and spoke with their billing department. I gave them my address ( which I've lived at since XXXX ), my phone number ( which I've had since XXXX ), my date of birth, XXXX, and of course my name. They stated that they have absolutely no record of anyone with that information in their system at all, AND stated that they keep records for 6 years. They then directed me to XXXX XXXX to check and see if they had anything in their system, to which they did not. They then sent me the attached XXXX Balance Letter to try to get Pendrick to close the debt as illegitimate. This was in XX/XX/XXXX. Allegedly, Pendrick did an investigation and stated that they found the accounts to be valid and did NOT close the accounts. Now I have Sent Solutions working for them, attempting to collect the same debt. 

I really don't know what more I can do to make it clear that this debt you claim to have for me is NOT accurate. I live in XXXX, Ohio. That's nearly an hour from the hospital that you are claiming I was at. I have never even been to XXXX. I don't know anyone that lives in XXXX. I would also NOT seek medical treatment at a hospital an hour away when there's about 6 others within 20 minutes. That's just XXXX. 

I'm asking, FOR A 3RD TIME, that you investigate these accounts and close them, based on the fact that the alleged original creditor has absolutely no records of anyone by my name, with my date of birth, and with my social ever having visited their facility. I have provided you with more than enough information to handle this. 

I am also contacting the CFPB, XXXX, and Attorney General 's Office at the same time I'm sending this email because quite frankly, your offices have harassed me continuously and ruined my credit for absolutely no reason.
Product: Vehicle loan or lease

Purchased a vehicle at XXXX through Santander in XX/XX/XXXX. 

Amount Financed : {$14000.00} Car Payment due each month : {$340.00} XX/XX/XXXX ( due XX/XX/XXXX ) amount paid : {$340.00} XX/XX/XXXX ( dueXX/XX/XXXX ) amount paid : {$350.00} Payoff as of XX/XX/XXXX : {$14000.00} This company is clearly a predatory lender. There is no way after 2 payments ( one of which was more than the actual amount due ), that the payoff for this loan should be more than the original amount financed. I have requested a copy of my signed contract by both mail and fax and I have not received either. They have also not been able to clearly explain to me how the two payments have been applied towards the loan. This is clearly a violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of rebuilding my credit and getting my life back on track. I opened a XXXX XXXX account, made my payments on time and at first everything was ok. After 1 year my loan was paid as agreed and I was offered a credit card through XXXX  XXXX. I noticed my credit score had dropped on Transunion only. Upon checking i saw that TRANSUNION was reporting the account as Derogatory, I called XXXX XXXX and they told me it was an error on the part of transunion. My next step was I sent a dispute letter to transunion XX/XX/2022. The results were a simple verified. How is it verified when both myself and XXXX, XXXX is saying different? Other 2 agencies are reporting the account correctly as I will show
Product: Credit card or prepaid card

I am writing to complain of the process of Chase Visa that resulted in me being assessed a negative mark on my credit report. I have formerly relied on the Chase Visa smartphone app to alert me for my card payment dates. This failed, resulting in a 30 day lateness which was reported to the credit scoring agencies.I believe this app to be flawed, as I consistently updated the app. This resulted in a substantial drop in my credit score.
Product: Credit card

In XXXX XXXX I called to pay off my credit card with Capital One. I had had some financial problems and returned payments before this because they started holding my payments for 7-10 days before cashing and other creditors were taking payments from my accounts that were auto withdrawals. This is not their fault, but mine as the money should have been there. But in early XXXX I called them up to pay off the credit card as I had a hotel I had to pay for. I was assured by the Capital one assistant that my payment would clear in 2/3 days. I had 5 days before the Hotel would have to be paid. So with their assurance, I made the payment for {$440.00} and waited to make sure it went through. After the 3 days, I called my bank to see when it would be clear to be informed it hadn't been submitted just a hold put on it and to remove the hold I would have to contact Capital One. I called them to be informed that my account requires a 7 to 10-day hold on all payments. Capital One then added if I needed the money the only thing I could do was stop the payment at the bank. They also added that a stop payment and insufficient funds were the same to them. So I called my bank and asked which would work better for me and settled on transferring the money to another account. Today XXXX XXXX after making payments to Capital One and Having 1 of my 2 accounts current, I found out they had closed my accounts on XX/XX/2024, of which I had no notification of until I called today because it said online that my account was restricted. After being transferred to 2 different departments because of this assistant # XXXX admitted I had been misrepresented on the facts and there is nothing he could do about it. He was very nice and tried to be helpful, but the fact that they misrepresented themselves with a 7-day hold caused all kinds of problems and closed both accounts with one that was current. They knew I was in a financial hard spot as I had told them it would take a couple months to clear up on a fixed income.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes.Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the 0:32 FPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX  respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to Experian XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are continuing to report a collection item the collection agency has discontinued reporting to them. See included documentation ...