23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had an original reservation with XXXX to rent a car from XXXX rental cars. The rental was prepaid to XXXX. The rental car was picked up on XX/XX/24. At the time a {$200.00} deposit hold was placed on my Venmo debit card ending in XXXX by XXXX when the vehicle was picked up. Unfortunately the Vehicle was towed and then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have been ever since. I informed the rental company early on, but they did not recover the vehicle for over a month after the original rental agreement. While in the hospital an employee of the XXXX XXXX XXXX branch at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX ran my saved card information ( they take photos of the payment card and ID at time of pick up ) ran my card without my permission in the amount of {$1000.00} as a POS transaction. Transaction ID XXXX. This is fraud. Even with a balance of around {$.00} ( two cents ( Venmo covered the transaction resulting in a negative balance of - {$1000.00}. I did not authorize this transaction nor did I ever apply for any credit or credit product from Venmo. As to why Venmo approved this fraudulent transaction in this excessive amount is beyond me. I subsequently filed a dispute with Venmo on this transaction. In discussions between myself and the merchant, XXXX agreed to reduce the amount charged as I had informed the company of the situation back on XX/XX/24 and again on XX/XX/24. Being as I was charged for the almost 4 weeks they took to recover the car after being informed of its whereabouts as well as my XXXX and then XXXX status. On XX/XX/24 XXXX rental car refunded to my Venmo debit card ending in XXXX the amount of {$810.00} transaction ID XXXX. Venmo at some point switched the reasoning of my claim for the original transaction from an unauthorized/ fraudulent transaction to " purchase not as described. '' When the refund was added to my account, resulting in the reduced, but still negative balance of - {$260.00} Venmo closed the dispute as " resolved. '' This is unsatisfactory. They should not have approved a transaction well over XXXX XXXX dollars when I had less than XXXX dollar in my account. This is extending credit to me when I did not ask for, nor would I qualify for such credit. Venmo would not have approved a purchase at say XXXX XXXX for over a XXXX dollars if I had attempted to make one with such a low balance. Why would they approve XXXX from a merchant, especially when I had such a low balance for over 30 days? Also this does not address the fraud of a XXXX employee running my debit cards information as a POS transaction without my approval or even my presence. I would like the amount charged off or sent back to XXXX who can send me an invoice for the remaining amount, and then payment arrangements can be made. The way this was handled smacks of fraud and predatory lending. I am now left with a high negative balance because of fraud and complicity of Venmo in this crime.
Product: Checking or savings account

I have my account with TD BANK, account info : Company name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Account # : XXXX Just find out I have been debited for {$880.00} monthly since XX/XX/2021. It means a total {$11000.00}. Bank says they cant return the funds, dont have any information about the vendor. Dont know what else to do. 

Is too much money and the money keeps going sour form my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the XXXX. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. 

XXXX XXXX # : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX claims XX/XX/XXXX- XX/XX/XXXX that the account was not current. It was indeed current. Attempts to make contact have been met with hassle, run around, inaccessible email accounts, and limited contact information. I filed a dispute with credit reporting companies in a limited capacity. As they do not allow me to dispute issues within those date ranges for a reason that is not explained or articulated in any way whatsoever. 

XXXX XXXX dishonestly misrepresented themselves previously during refinancing after a COVID forbearance reorganization of the mortgage. Claiming they did not receive documents that I provided receipts of them receiving. After I filed an FTC claim on that issue they recended their claim and corrected the problem with an apology. 

The ability to contact anyone or resolve this issue is time-consuming, confusing, and misguiding and is not even available to dispute through at least one credit reporting agency. 

I simply desire the errors to be corrected as soon as possible.
Product: Mortgage

On XX/XX/23, our mortgage loan was transferred to this company. Since then, we have not been able to make contact with a representative about making sure we receive our monthly statement. Unable to get past their automated system. This is a simple process to complete. We have not requested paperless billing. I have reached via their website to their president with no success. I have filed a complaint with the Texas Dept of Savings and Loan as well as North Carolina Dept of Savings and Loan. If the interest rates were not so high, I would refinance with a local bank so that my loan servicing would not get sold. I have to set a reminder on my phone each month to pay. Even if I had chosen to go paperless, we have not received any communications whatsoever from this servicer. I just want a hard copy monthly statement of my mortgage account.
Product: Credit card or prepaid card

I have three separate accounts with Amex personal use, primary bills, and business. I have been receiving limit reductions for all account despite never missing a payment, and I had an issue with one card and Amex froze all accounts/cards which ultimately impacted my credit and completely severed my ability to purchase basic necessities. 

Amex then reached out demanding XXXX $ or else they would continue reducing account ( this is by legal definition coercion which is illegal ). I informed Amex of this and that my wife and I are due for our first baby this week and we can not risk having cards frozen or paying such a large sun when we already live paycheck to paycheck. 

I have spoken with Amex about interest reductions as well and am being charged 400 $ + a month in interest. At this pace I am fearing potential bankruptcy and inability to support family when I have been a consistent user for almost ten years and have never defaulted a payment. All of this has occurred from XX/XX/2023 to present.
Product: Credit reporting or other personal consumer reports

Im writing to exercise my right to opt out of the sharing of my nonpublic personal information with non-affiliated third parties, as granted by the Gramm-Leach-Bliley Act ( GLBA ). Specifically, I request that you do not share my personal information, including my credit card numbers, account balances, and transaction history, with any non-affiliated third parties, including marketing companies or credit reporting agencies. 

I also dispute any inaccuracies in my credit report and request a copy of my credit score and the method used to calculate it. 

Please be aware that the consumer reporting agency is a non-affiliated party and therefore I request that you remove my personal information from their records immediately, Failure to do so will result in legal action taken against your company. 

I expect a written confirmation of my opt-out request and a correction of any inaccuracies in my credit report within 30 days, as required by the GLBA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX submitting this CFPB Complaint to request to the Credit Reporting Agencies to have the disputed items corrected and or deleted from my Credit file. I sent a letter on XX/XX/2022, requesting that the Credit reporting Agencies reinvestigate the disputed accounts from my credit report as well as temporarily remove or update these items from my report during the investigation period. As of this date, the Credit Bureaus have failed to respond to my request. Again, please reinvestigate if the following accounts are inaccurate, incomplete and outdated. 

XXXX XXXX Balance Owed : {$340.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed XXXX {$160.00} XXXX XXXX XXXXBalance Owed : {$2500.00}. These accounts are reporting erroneous information and needs to be updated. Under the Fair Credit Reporting Act, Credit Reporting must be accurate and correct, otherwise, the accounts must be removed from my Credit File as soon as possible.
Product: Debt collection

Attempting to make contact about a bill from 2016 by phone only. Despite email being on file they have failed to send any information about this supposed debt that is almost outside of its 7 year statute of limitations. Was added to credit report just from contact by phone without first mailing anything to consumers.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by EXPERIAN I believe these late payments are erroneous and do not accurately reflect my payment history. 

XXXX XXXX XXXX XXXX XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Vehicle loan or lease

On XX/XX/XXXX my car was in an accident. Subsequently, my insurance company totaled the car and paid off the loan company Flagship Credit Acceptance in the amount of $ XXXX I contacted the loan company in XX/XX/XXXX to determine if I had a balance of any kind. I was told no and my title would be in the mail. The representative stated that I was paid up until XX/XX/XXXX and I had no balance. He also stated that I should make my GAP insurance company aware of my payments and I should receive XX/XX/XXXX and XX/XX/XXXX 's payment back. Early XX/XX/XXXX, I receive my title in the mail. Come late XX/XX/XXXX, I receive an invoice from Flagship stating I owe {$0.00} ( I have the statement ). Then in XX/XX/XXXX, I get another invoice stating that I owe $ XXXX. I contacted Flagship immediately but I was unable to gain access to a customer service agent and my call was dumped. I tried several more times with no success. On XX/XX/XXXX when I arrived home in the mail was another invoice from Flagship stating I now owed them $ XXXX. Once again I phoned them and my call was dumped. If you press 4 for a customer service agent it refers you to their website. So I used my daughter 's phone to make the call and I was able to get an agent on the phone immediately. Before I gave them my social security number or account number I explained to XXXX in the PA office I would need the help of a manager immediately. She placed me on hold briefly. Agent XXXX took over the call. I explained to her what was going on and that I needed answers. She began to tell me that there must be an issue with the phone systems and the IT department should be notified. She begins to put together a story in the company 's favor. But, she kept changing the information. First, she said, I was credited for 1 payment on XX/XX/XXXX and another on the XX/XX/XXXX. Then she said I was credited for 2 payments on the XX/XX/XXXX but 10 minutes later in the conversation, she said my payment was returned to the bank on XX/XX/XXXX and XX/XX/XXXX. But I pulled up my bank statements and it indicates Flagship took the money. Then she said that the statement dated XX/XX/XXXX, I had was not possible because it says I owed {$0.00} when I have it in my possession. She also claims there was no record of my phone call in XX/XX/XXXX. She said she would request an audit of my account and get back to me. The is tasked with providing accurate information down to the penny and they are failing and should be investigated.
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX - {$14000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting a closed account with Santander Consumer USA. This is not my account. I have disputed this account several times with the credit bureaus and the creditor. This is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. I have a loan with shell point mortgage service company from XX/XX/2020 2. I did pay off the loan with early payoff the loan fine. 
3. Shell point MS company were not honestly reported to XXXX about my payment record : they reported me three times pay later. these are nosence! As a financial company, they suppose not provide such fake information to hurt my credit. Actually I never pay them later. 
4. Some one from shell point co, intentionally did fake information, I disputed such fake information and I also request financial organization to investigate such actions from this company. 
5. this company charged me over {$5000.00} for early payoff the loan, is that legally for them to do so?
Product: Checking or savings account

The supervisor Mrs.Bille seen two transactions that were held a date late and didn't reconcile the issue with my deposit XX/XX/XXXX and Today the XXXX I asked reasonable questions and she hung up in my face as if I haven't been an trustworthy and honest customer for more than 6 years. I will contact the BBB Because u just treat people like that in such I disgrace manner ... now I'm homeless due to this matter ..
Product: Checking or savings account

Trying to connect XXXX to PNC, but PNC has made changes that cause it to be impossible.
Product: Mortgage

I am writing this letter because SPS lies about not giving me a sale date. On XX/XX/2019 SPS said that I did not have a sale date, however today I received a letter dated XX/XX/2019 stating that I do have a sale date. The sale date case after I sent a QWR dated and received by SPS on XX/XX/2019. I talked to SPS today and they told me that they are not going to respond to the QWR sent on XX/XX/2019. They also told my bank XXXX to freeze my account because I sent them a QWR. SPS is working with XXXX XXXX and XXXX XXXX XXXX to threaten me into doing a short sale. I want the XX/XX/2019 sale date stopped and I want SPS and XXXX XXXX XXXX to stop calling my bank telling them to freeze my assets. I plan to sue SPS and XXXX XXXX XXXX for the threats.
Product: Debt collection

I had made a dispute on it and the company notified me saying it was taken off my record
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. Is was included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX : {$240.00}
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance {$880.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$650.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Product: Credit reporting or other personal consumer reports

I have sent numerous letters to your bureau regarding my identity theft status, yet my concerns remain unresolved. Once again, I am disputing the fraudulent information impacting my credit file.Despite submitting the required FTC complaint, your bureau continues to report this fraudulent account on my credit report. I have already contacted the associated banks, provided the necessary documents, and had the account deleted from their records. 

Additionally, other credit bureaus have removed this account following the FTC complaint. Therefore, I am curious about the verification process your bureau used to continue reporting this fraudulent account. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I am disputing an auto loan with Credit Acceptance Corporation for a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), purchased in XX/XX/XXXX. The vehicle was sold to me by XXXX XXXX XXXX XXXX XXXX with a known check engine light issue that was hidden by temporarily resetting the light. The dealership closed shortly after purchase, and the vehicle has since become completely inoperable. 

Despite making more than {$11000.00} in payments over 4 years, I am being told I still owe over {$13000.00}, with $ XXXX past due. This is an unconscionable situation where I have paid nearly half of a predatory 22.99 % loan for a non-working car sold deceptively. 

I believe Credit Acceptance, as the assignee of the retail installment contract, is liable under the FTC Holder Rule for the dealerships fraudulent sale and should cease all negative reporting, collections, and cancel or fairly settle the loan.

I am requesting a resolution that includes : ( 1 ) loan cancellation, or ( 2 ) a reasonable settlement not exceeding {$2000.00}, and ( 3 ) correction of all negative credit reporting. I have also filed a
complaint with the NJ Division of Consumer Affairs.