23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Original creditor : M & T Bank Credit Reporting Agency in violation : XXXX XXXX I have an auto loan with M & T Bank, that I just refinanced because Ive had to sue the dealership placed loan with M & T bank ( despite our presence of lenders ( XXXX ) ) and now them for numerous violations and fraud. I was issued a checking acct. My daughters was attached to my account, but I NEVER had any business with XXXX or the fraudulent charges to my account in my name. My daughter recorded the incident in which she paid through her debit card. Her card was swiped for payment and responsibilities. My daughter used my card once for an extension but I NEVR AUTHORIZED any use of my checking debit card for responsibility or any other payments charges, final billing, or use by XXXX for any reason. I have no signed contract with XXXX and I am not liable to them for any funds. XXXX is notorious for using old hold authorizations far after the contract has been closed out of force extra charges that they can not explain. M & T Bank filed this collections account with XXXX XXXX who is still reporting this erroneous collections account that isnt my responsibility. This account was fraudulently charged accessed ( see card swipes and manual charges ). Highly illegal unlawful.
Product: Student loan

I contacted Navient in XX/XX/XXXX to ask how many more payments I have on the private student loans I cosigned. I'm having problems getting a definitive answer. They wrote back that I will owe XXXX payments when the deferment ends in XX/XX/XXXX. I made full payments since XXXX and throughout the deferment. A statement from Navient in XXXX said I had XXXX payments as of XX/XX/XXXX.
Product: Debt collection

A company that claims to be Midland Credit Management is calling my phone number multiple times every day using multiple different phone numbers, trying to collect a debt from someone. 
I currently have hundreds of different phone numbers, they have used, that I have blocked and reported on my phone. I am on both Federal and State Do Not Call lists. They have been told multiple times that my phone number does not belong to the person they are trying to collect from. They have been told multiple times that I do not know the person they are trying to reach. I am the only person that has ever had my phone number and I have had it for 44 years. So, whatever they are doing is not a mistake. 
I can only guess that someone at some point has used my phone number for some sort of fraudulent activity that didn't involve identity theft. I suggested this to them and that they should use some other legal means to find this person and stop calling my number. 
They show a callback number of ( XXXX ) XXXX. But since I don't have any information or account number or ever done any business with them I can't get anywhere other than a phone being answered.
Product: Debt collection

I contacted credit acceptance in regards to verifying information on my report and they couldnt. The said we cant talk to you and if you dont pay we will damaged your credit. I was shocked. The amount, lates, dates dont match me credit report. I asked them to remove it they refused. Please remove this inaccurate account from my account its not me. I recently checked and its still there. I have no one to protect me please help
Product: Vehicle loan or lease

I tried to communicate with the company but it has not been possible. Since the initial company did a transfer of the loan to another company but when it went into my account with the new company it says that I owe much more money than I really do and I don't see the same payments applied to the loan. This has me very confused and concerned. I need to solve this as soon as possible so I can be calm
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion all have me reporting late for 12 months total between XXXX and XXXX for XXXX XXXX. I have attempted on several occasions to have this issue resolved. I have spoken with the creditor and they have confirmed that I have never been late on any of my loan payment accounts and provided me a statement letter with this information and the credit bureaus fail to update the systems with the accurate information. I have several student loan accounts with this company and only one is showing late reporting which is in accurate. I would like to have my report updated accordingly please. Thank you for your assistance.
Product: Checking or savings account

I have a checking account with Citizens bank, I recently used them to deposit a check that had been sent to me by a family member I am not the only family member to receive this check. I used their mobile deposit option thinking I would use the feature and within 5-7 days my money would be deposited into my account. This check is for XXXX and is a big deal to me, after I used their mobile deposit feature I received a letter in the mail from citizens bank stating I would be seeing my deposit in my account on XX/XX/23, when it became XX/XX/23 I became worried and called them. They told me that they were having trouble verifying where the funds were coming from and then told me over the phone that I would not be receiving the deposit until XX/XX/23 because of verification problems, that to me was unacceptable and in some way can not be legal due to regulations on banking, after this phone call I called the person that sent the check to me they said that the funds were taken out of their out of their bank account on XX/XX/23 all XXXX XXXX after a couple more days I decided to call again because I was frustrated and wanted more answers as to why it would be XX/XX/23. I asked to talk to a supervisor and was put on hold until then I finally reached a supervisor that told me that if I was able to get a number from the other bank stating they verified the funds and that it was taken out of the account that that would speed up the process. They told me they can not cancel the check, that they do have the XXXX $ and they also stated nothing on the check was unusual. I am writing this now because even after I gave them the information from the other bank they still have not updated me about anything, they still have not called me and I do not believe they are making efforts to make this resolution come true. I am never using citizens again as I feel they are scammy and thiefs. If there is anything you can do thank you I appreciate the help thank you.
Product: Credit card or prepaid card

not mad at bank of america got XXXX XXXX XXXX from XXXX XXXX XXXX purcahse of XXXX just wanted to dispute it as i got XXXX XXXX. severelly i was travelling merchant des not respond please diispute on my red card cash rewards. there was no way to do it online please. dispute i got violently ill violently no response. please credit XXXX from them
Product: Checking or savings account

Yesterday I received a direct deposit from my job as I have for the last 4 yrs. But when I attempted to go online to move my money around, I received a message that my account was restricted and I needed to call to have it released. I have been calling since yesterday and have been on hold for a total of 5 hrs listening to hold music with no one answering. I have emailed customer service and the president requesting a call back since I am not able to get anyone to answer when I call. I still have not received a call back and my bills are due. Please help me get my money! Below is a copy of my original email and reply. I have sent multiple emails since then.
Product: Credit card or prepaid card

card been activated 72 hrs., am approved for weekly benefits and am old some back payments ... nothibg is on or comin to card, please help and tell me why??????
Product: Credit reporting, credit repair services, or other personal consumer reports

these companies had no permissible purpose to obtain my credit report ..... 

XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX, XXXX XX/XX/2022
Product: Credit card

I need additional time beyond my current due dates to pay my remaining Klarna balances. I will pay them, I just can't right now as I'm assisting my mother financially. 

Klarna 's agent could not give me instructions for how to disable AutoPay after trying for 30 minutes, then told me it was not possible, which is illegal per your site.

I'm aware this will result in my credit report potentially getting dinged or late fees but thar is my decision.
Product: Mortgage

My mortgage from XXXX XXXX was sold to Planet Home Lending without my knowledge. I received a letter predated for XXXX but did not receive until XXXX. I had tried to stop the auto pay but even though PHL verified through emails that they had received the request and 2 of the PHL agents acknowledged that the auto payment would be stopped, it was not. I stopped payment until I could get the transfer information. Even though I have 60 days from XX/XX/XXXX to review and make any payments, PHL has sent threatening letters to me. The customer service agents speak with such a heavy accent I can not understand ( please listen to the recordings for XXXX. I have the initial letter dated XXXX but did not receive until XXXX. The biggest complaints entail the lack of customer courtesy that PHL did not send notification in a timely manner of the change of Mortgagers which caused major confusing coupled with the inadequate knowledge of my account along with the lack of adequate customer service. All these things could have been avoid with a adequate notice and knowledgeable customer service. I would also like to know my options for suing PLH for the threatening letters sent to me. XXXX XXXX, XXXX. Can furnish documentation. Thank you.
Product: Credit card

I worked with XXXX XXXX  via XXXX XXXX to do our living room & laundry room XXXX XXXX XXXX floors. The quote was provided for a Tile removal and vinyl plank installation but on the day of the job they backed saying they cant remove the tile as it will cause door gaps & they made us to agree for a floor installation on top of tiles. We were cool with it as we will be avoiding a lot of money in labor costs & time. The gentle men finished the job & mentioned the revised bill will be sent to us later. When we received the bill we were surprised to see that only XXXX was refunded from the XXXX plus labor charges quoted. We were charged for labor charged of skim coat which was not at all installed on our floor & was treated pretty badly by the flooring company for several days. We had to actually send them videos of the indoor camera that we use to monitor our newborn baby to confirm that they didnot apply any XXXX XXXX & still was not acknowledged until I had to be on calls with the loan company & chase the flooring company for a month to get a refund. Having a new born & to be put through such a bad treatment & miss treatment is absolutely not right. I want to register this compliant to highlight ethical practices & wrong treatment by the Flooring company.
Product: Credit card or prepaid card

During the month of XXXX, XXXX, I used Barclays Bank on-line system to access my Barclays XXXX account to protest one single {$8.00} charge simply because I did not recognize it at all, had no memory of incurring it, and had no recognition of the XXXX charging it. I NEVER once mentioned, on this on-line form, the word " fraud '', and I certainly did NOT ask that my Barclays XXXX be cancelled because I have 5 vendors/merchants authorized to automatically bill this card EVERY month!!! Now I will have to waste at least XXXX hours contacting these XXXX vendors/merchants to give them my new, replacement card when Barclays Bank finally gets around to mailing it to me!!! This is OUTRAGEOUS!!! Federal consumer protection laws and regulations gives credit card holders, such as myself, the right to dispute ANY charge when we simply don't recognize it WITHOUT thereby having our credit card cancelled!!! I unsuccessfully tried to get a Barclays supervisor to realize that!!! 

XXXX XXXX XX/XX/XXXX
Product: Student loan

I am writing today with faith and a very= hopeful heart. My name is XXXX XXXX and I graduated XXXX XX/XX/XXXX on gran= ts and scholarships obtained by grades. I graduated with a XXXX major an= d XXXX minor with intentions of going to XXXX  school. However, due to a = young marriage at XXXX and XXXX children and a divorce it was not a realistic go= al. I decided to go to XXXX XXXX school at XXXX University to ob= tain my XXXX. As a single mom of XXXX young children I had no choice but = to work nights and attend school during the day to pay for childcare, food, = house, etc. I was the only student  who worked during this rigorous full ti= me XXXX program and needless to say was also a single parent. Despite my= efforts to try to financially support a household and XXXX young children e= nded in me losing my home and bankruptcy. I XXXX my XXXX and begun = working for XXXX XXXX medical center in XX/XX/XXXX. The XXXX Student loans w= ere very high especially when I was just trying to get back on my feet and = start a new life for my children. I spoke with Navient multiple times and w= as under the impression from the information I was provided that in 10 year= s these loans would be forgiven because of my XXXX XXXX  career. I = tried to pay through income based repayment but many times I had to defer d= ue to hardships with supporting my XXXX mother and XXXX father. I = specifically remember asking if the deferment would affect my forgiveness i= n 10 years and specifically being told NO. All I had to do was submit the p= aperwork in 10 years. I am now recently learning that this in fact is incor= rect and I will not qualify for forgiveness without having made 10 consecut= ive years of on time payments. I currently owe over 200,000 now with all th= e interest charges which is nearly double what I graduated with in debt. It= is very discouraging as a XXXX professional  coming from a low income ho= usehold trying to better herself for her family. At this time I have remarr= ied and now have XXXX children and a husband which just as well finished hi= s XXXX with a large student debt bill. I am pleading with anyone who has= some influence or power to make a difference. I am a law abiding tax payin= g professional and the price to pay for this is outrageous. I have been lie= d to by my lender for years and now I am left with a > {$200000.00} student debt= almost in time to start paying for my oldest daughters college. I heard my= daughters high school friends talking about studying in another country to= not incur all the debt. We are doing an injustice to ourselves and I stron= gly believe that something needs to change. Please help I dont know where to go from here but would appreciate= any feedback, advice, or helpSincerely XXXX XXXX XXXX --
Product: Mortgage

In XX/XX/XXXX we put the house in market for sale and the two borrower on loan agreed to sale the house we move out the house since the realtor want to do the open house in XX/XX/XXXX we had the closing and the loan was paid in full with all the remaining payments Midland Mortgage reported they are missing 60 Days late payment to my credit report i reach company multiple time and send the proof for all the payments were made at the closing and Paid in Full letter from Midfirst Bank Midland Mortgage and requested to remove the false claim the company adjusted on one borrower credit report and completed deleted from his credit report that he never had business with Midland Mortgage surprisingly since borrower is the brother of mine he send me his credit report that Midfirst bank delete the Mortgage from his credit report and his credit report showing no mortgae and late payment I wrote the letter to the bank explaining the situation since they resolve the problem for one of the borrower why are they discriminating me but company response is our report is accurate we cant help you with this matter any further now I seek help from consumer finance to help me with matter and stop the Midland Mortgage by doing such an unfair credit reporting I have kids and I am first responder and looking to buy a house because of this unjustifiable act by Midland Mortgage my credit report showing Negative history I am very responsible person if you can see my credit history i have never in Past 14 years either make late payment or in Bankruptcy Please help me with this matter I would really appreciate it thank you.
Product: Debt collection

I OPENED AN ACCOUNT WITH THEM USING MY OWN MONEY TO ASSIST WITH INCREASING MY CREDIT SCORE, THE SERVICE WASN'T WORKING FOR ME SO I PULLED MY MONEY OUT OF THE ACCCOUNT AND ASKED THAT THEY CLOSE THE ACCOUNT. THE ACCOUNT WAS NOT CLOSED AND THEY'VE BEEN RUNNING A BALANCE BASED ON THE DEPOSITS I WOULD HAVE MADE TO THE ACCOUNT. AGAIN, I NEVER USED ANY OF THEIR MONEY OR CREDIT FROM THEM.
Product: Payday loan

The lender had agreed in an email not to deduct {$290.00} from my bank account on XXXX/XXXX/16 and the payment would be due on XXXX/XXXX/16 and XXXX/XXXX/16. However, on XXXX/XXXX/16 they deducted the money without authorization and in contradiction to the agree payment arrangement. Now they are ignoring my calls and emails.
Product: Mortgage

My mortgage servicing company is manipulating my escrow account to raise our payment constantly, they hang up on me refuse to reanalyze my escrow and are putting miss information on my 1098 mortgage statement to fradulently manipulate our payment continuesly. They are committing fraud against Us and I'm sure their doing it to other mortgagees.
Product: Credit card or prepaid card

On or around XX/XX/2022, Synchrony Bank started block consumer from accessing their Sam Club credit card accounts. I have been unable to pull statements, verify transaction and process payments. My bill was due XX/XX/2022, I should be able to pay said bill via computer which currently being denied and charged/access late payment fees while website is down or under construction. This is an deceptive business practice to generate late fee income plain and simple.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint and Request for Removal of Inaccurate Capital One Account from All Three Credit Bureaus Dear Consumer Financial Protection Bureau XXXX I am filing a formal complaint regarding an inaccurately reported Capital One credit card account that I paid in full and closed. Despite never receiving any notification or verification regarding the accuracy of this account, it continues to appear on my XXXX, XXXX, and XXXX credit reports with incorrect information. 

Details of the Disputed Account : Creditor Name : Capital One Account Number : ending in ( XXXX ) Reported Inaccuracies : Incorrect balance, incorrect late payments, incorrect account status, failure to update as paid and closed. 

Legal Violations and Consumer Rights Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 609 ( 15 U.S.C. 1681g ) : I have not received any documentation proving the accuracy of this account, yet it remains on my credit report. If Capital One and the credit bureaus can not verify this account with original documentation, it must be removed immediately.

611 ( 15 U.S.C. 1681i ) : The credit bureaus are required to conduct a reasonable reinvestigation of disputed information within 30 days. This has not happened, and they continue reporting inaccurate and unverifiable data. 
623 ( 15 U.S.C. 1681s-2 ) : Capital One, as the furnisher of this data, is required by law to report only accurate information. If they can not verify it, they are legally obligated to remove it.

2. Truth in Lending Act ( TILA ) 15 U.S.C. 1601 If Capital One misreported my balance, payments, or account status, they have violated federal lending and credit reporting standards under TILA.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Capital Ones failure to provide proper verification while continuing to report inaccurate information is an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ), which the CFPB has authority to regulate. 

Requested Action : XXXX. Immediately remove this Capital One account from XXXX, XXXX, and XXXX. 
XXXX. Require Capital One to provide original documentation verifying the accuracy of this account, including my signature on any relevant agreements. 
XXXX. If they fail to verify, CFPB should take enforcement action against Capital One and the credit bureaus for non-compliance with federal law. 
XXXX. Provide a written confirmation of the deletion or correction of this account. 

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

On XX/XX/2020, SEQUOIA FINANCIAL SERVIC add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA SEQUOIA FINANCIAL SERVIC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

XXXX XXXX Paid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX " PAYPAL XXXX XXXX on {$400.00} Transaction ID XXXX I canceled transaction and never get refund
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry notifications on my credit report. 
on XX/XX/2023, I received several notifications via email from XXXX for hard inquiries on my credit report. I logged in to XXXX to see what hard inquiry I had and didn't initiate any of the 4. 
1 was XXXX- XXXX 1 was XXXX XXXX with no contact company information. 
1 was Capital OneXXXX XXXX 1 was XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with XXXX has been paid and it is still showing as a collection/charge off.
Product: Credit card or prepaid card

American Express ( Amex ) terminated all my credit card accounts on XX/XX/20 and XX/XX/20 stating that the accounts " have been identified as not being used for the intended purpose ''. 

Amex did not provide any specific reason for their unilateral closure. They did not specify what, if any, violation of the terms and conditions in the card member agreement occurred. 

Amex is in their right to not want me as their customer. What is not in their right is to not refund the annual and membership fees totaling roughly {$3000.00} that were charged on my active cards. 

For example, they charged {$550.00} for an Amex Platinum card just 11 days before being terminated. How is it admissible to charge an annual fee and then only provide 11 days of subsequent use of the card? 

Noting that the cardmember agreement is not law and will never supersede any law, if my accounts are to be cancelled then American Express must provide a full refund of all annual fees of the previously open accounts as I ultimately paid for a credit card service/product that can not be used.
Product: Credit reporting or other personal consumer reports

I've did everything to fix my credit and they want rake things off my report that should have been taken off
Product: Vehicle loan or lease

Today I spoke to a representative regarding my loan. The call hung up and I received an email stating my email addresse has been updated. I never consented to this change and believe this would have done great impact with me not receiving an email XXXX XXXX from them