23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Complaint number :  XXXX  This has not been resolved, we have made numerous calls to  Hyundai Financial an d we still do not have our title, even the   XXXX   XXXX   called them on  XXXX   XXXX  and we still ca n't get it.     First they said they sent the title on  XXXX   XXXX , then the  XXXX  on the next call.     Then they said they had sent us a title release letter on  XXXX   XXXX  we finally did get one dated  XXXX   XXXX  and it 's absolutely worthless it has to be electronically transmitted to the  XXXX .     The last call a couple of days ago they claimed they sent it electronically to the   XXXX   XXXX   XXXX  on  XXXX   XXXX  we live in Nebraska and have done for 25 years.     We have repeatedly asked for call backs from managers and they tell us they do n't do call backs. These people are incompetent!     Summary of your complaint Complaint number :  XXXX  Date submitted to CFPB :  XXXX / XXXX /  XXXX   Date sent to company :  XXXX / XXXX /  XXXX   Product : Consumer Loan Issue : Managing the loan or lease
Product: Debt collection

I received a letter in the mail dated XX/XX/2021 from Synergetic Communication , Inc., stating that I owed {$1800.00} to a client with the name " XXXXXXXX XXXX '', and that the amount had been placed for collection. I have zero knowledge of this whatsoever, and have never had an account with " XXXXXXXX XXXX ''. The letter goes on to state that this alleged " debt '' is too old to be the basis of a lawsuit against me as the statute of limitations has expired. 

I have also received threatening phone calls, though the person on the line never gives the name of the company, stating that I owe money to a collection agency. These calls have even targeted my family members. I suspect these calls to also have come from Synergetic Communication , Inc.
Product: Credit reporting or other personal consumer reports

I am exercising my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into the accuracy of information on my credit report. 

Account Name XXXX XXXX Account # : XXXX Account Name XXXX XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXXXXXX XXXX Account # : XXXX
Product: Credit reporting or other personal consumer reports

I filed an XXXX dispute in early XX/XX/XXXX  on a collection that I found on my credit report. I received a letter dated XX/XX/XXXX  from Allied Interstate , LLC a debt collector that reported a {$280.00} XXXX XXXX debt to my credit. The name on the bill and letter is not me and it belongs to someone in another state with a different address. I contacted Allied Interstate after filing my XXXX dispute. I was informed by the agent that I had to wait until the dispute process was over. I explained to the agent that the debt belongs to a different person and I wanted it removed immediately. I received the results from the XXXX dispute dated XX/XX/. The results stated, " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' How is this possible when I never had a XXXX XXXX account and the person on the bill is a female. I filed another XXXX dispute on XX/XX/XXXX  and I attached the documents again proving I am not the person they are looking for. I contacted Allied Interstate again on XX/XX/. The rep confirmed that the address and name on the account was inaccurate. Then he stated that he can not discuss anything on the account since the account does not belong to me. I asked them to get this debt off my credit immediately. He stated that I would have to call back the next day because he did not know how to fix the issue. I contacted XXXX right afterwards. The rep told me that I would have to wait on the results on the new dispute. I explained to him that I already filed a dispute and they somewhat " Verified '' this debt belonged to me which was impossible. All he did was repeat the same thing of wait for the results and file again if I felt it was inaccurate. This is poor customer service from both parties. Both sides are reporting inaccurate and fraudulent information my credit that has impacting me for months.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX I need you to investigate the following Account. 
XXXX XXXX XXXX. 

I request you provide me with proof of this alleged payments being late. If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( XXXX ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

As of XX/XX/24 there is inaccurate information reporting to XXXX, XXXX, and Equifax. My name identifiers are missing and inaccurate across all three reports. The law prohibits the reporting of information that is inaccurate. There are numerous accounts across the credit reports showing these inaccuracies.
Product: Credit card

I made a payment on my Citi credit card on XX/XX/XXXX, I also made a payments on numerous other accounts at other banks, all payments were received by other banks and debited on my checking account, except for Citi which they claim was returned by XXXX?? I had over {$8000.00} in my checking account on XXXX, this payment to Citi was {$50.00}. I called Citi today XXXX and they would not take any action to credit me with this {$30.00} returned check fee. I also made another payment of {$50.00} XXXX to make up for this " returned check '' and It cleared XXXX today. I want this erroneous fee credited to my credit card. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made payment under contract terms and the terms of the contract have not been carried out by Chase Bank. Payment was sent via Postal Money Order via certified mail on XX/XX/2019 and was cashed by Chase Bank on XX/XX/2019. Credit reports do not reflect upon the agreed terms of the contract. I have a copy of the contract terms and proof of payment in regards to contract. All evidence can be provided upon request. Terms of contract are once payment was cashed by Chase, negative tradeline was to be removed within 30 days of acceptance of payment.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payments on the dates below : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX I am not sure how this happened. I believed that I made all my payments to you when I received my statements. My only thought is that my monthly statements did not get to me.
Product: Checking or savings account

I wired transfer {$1100.00} then {$3400.00} then I'm not getting it back.from my bank nor the scammer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I applied for an auto loan and I was told that my credit would be ran through 1 creditor and that it would be a soft pull. However I have over XXXX hard inquiries on my report as a result. I have disputed these to XXXX, XXXX, as well as Experian with very little success. Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit/XXXX To 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 In addition to the unauthorized inquiries on the report. I have reached out to the creditors as well as all three bureaus in reference to other erroneous information on my report with little to no success. I have taken the time to enter the erroneous accounts below : XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX XXXX XXXX ( ACCT # XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) I am very upset as these accounts are not supposed to be included in my report. I have written as well as disputed this incorrect information with all creditors as well as all three bureaus with little or no success. I am in desperate need of your help. I thank you in advance for taking my complaint into consideration.
Product: Credit reporting or other personal consumer reports

After several complaints against XXXX XXXX XXXX for reporting inaccurate information on my credit report. I am submitting another complaint of this company blatantly breaking the law at this point. My rights under the fair credit reporting act are being disregarded by the credit reporting agencies as well! Specifically XXXX! Month after month they continue to break the law by not removing inaccurate information. There was an auto loan that was charged off. They sent the account to XXXX XXXX XXXX collection agency. Account number XXXX. On XX/XX/23 I settled the account in full for {$4300.00}. XXXX is reporting the account to XXXX that I only paid {$1700.00} as of XX/XX/23. Ive spoken on the phone to XXXX XXXX and they even have it in their system as being settled for less in the amount of {$4300.00}. So why are they reporting inaccurate information to XXXX, XXXX, and Transunion? I want the CFBP to hold them accountable and remove this information immediately. All the proof is there and at this point its clear to see there is something not right happening behind the scenes that needs to be corrected immediately!
Product: Checking or savings account

On todays date of XX/XX/2024 I chatted with a representative on my chime app. In regards to closing my credit builder account because I didnt never use it. So I was told that it would be closed in a few days. So I even doubled checked with the representative that its the credit builder account not my checking about she states correct. Now after ending the chat but I did screen shot the chat for my own evidence. So upon checking my email I received two emails one about the credit builder account being closed as well as my checking. Im currently on hold trying to speak to someone because this insane Ive had this account 4 plus years. Receive my bi weekly work checks on here. Been with the same employer 6 plus years so I dont see a legitimate reason to be closing my account. I feel like they are punishing me because I have no need for their credit builder. Its not not fair and if I had options to go bank else where I would.
Product: Credit card

payment history deleted off my credit report since account is paid in full. 
15 U.S. Code 1666 15 U.S. Code 1666 ( b )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is a fraudulent account i would like to have it deleted i have already provided the FTC report with my last complaint i will provide this time information to help find my credit report file, so that this collections can be removed.
Product: Mortgage

XX/XX/2014, our dear friend XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, ar passed away. I have been trying to resolve her HELOC in a manner to preserve where her ashes and the ashes of her dogs were spread. I have been in contact with XXXX XXXX at USAA and she very rude and unsympathettic. To get to my point. We have been in negotiations since XX/XX/XXXX or XX/XX/XXXX and the best offer to date from USAA was XXXX on a XXXX HELOC without a first mortgage. After I countered their offer and sent numerous letter, made numerous phone calls and even faxed my counter offer, they claim in each instant they did n't recieve anything. Finally they recieved my email with the best offer we could afford. They then removed their offer of XXXX and now they want the full amount. We were working with them in good faith on our deceased friends behalf, trying to keep the land she loved. We have spent over XXXX cleaning up the property not mention the XXXX this bank has cost us in legal fees simply because they skirt the issues and transfer your call, make you wait hours on the phone and claim to never recieve your information. This is outrageous and unacceptable. Either they help the military and ex military or they do n't but if they choose the later the need to stop immediately with their military advertisements. They have prolonged this far to long, let us grieve. Thank you.
Product: Credit reporting or other personal consumer reports

I have been a XXXX customer over almost 2 decades and have NEVER paid my credit card late. Last year in XX/XX/XXXXXXXX  I made a purchase and thought I had made the payment immediately after on the website. For whatever reason the payment did not go through and i was completely unaware. Despite updating my email address years earlier, alerts of this bill ( I think it was something like {$100.00} ) was sent to an OLD email address. There was also an issue with my online account, apparently there were two accounts and the old and new had not merged. Nevertheless, the amount was not showing up. I was also in the middle of a high conflict divorce involving XXXX  XXXX and my ex husband had stolen mail from my mailboz and then forwarded all of my/our mail to another address so I did not get any of my mail for months. I was also dealing with health issues in addition to the high level of stress. When I was finally able to start receiving my mail it again, it was now past the XX/XX/XXXXXXXX  due date and I was completely horrified since I knew good credit would be vital for me to finaicially survive this divorce. I called, emailed and chatted with XXXX reps until my face was blue but they refused to hear me and reported it to the credit bureaus, ruining my credit. I disputed it with the credit bureaus and XXXX took it off but the other 2 left it on. It is literally the ONLY negative item on my credit. Months later I am now divorced and trying to qualify for a loan and this is literally the ONLY negative item that is preventing approval. I called again today ( XX/XX/XXXX ) and explained the situation, urging them to see that I have never, before or after this event been late on any payments but they refused again to remove it. That is was an error on thier websites end followed by unfortunate circumstances tha prevented me from getting mail. It is unfair and false to say that I was just 60 days late, I have always paid on time and had every intention of doing so. I am sure thier electronic records show an attempted payment the same day I made the purchase and have no idea why it didnt go through or why my email did not update despite me tryign to update it many times ( there was a prompt when I signed in and I guess every time it failed to update ). I need this 60 day late item taken off of my account ASAP ... my entire life is literally on hold because of this issue.
Product: Credit card or prepaid card

After going through all my credit card statements on all of my credit cards I identified several fraudulent charges over and over from the same merchants and some a few different merchants but all related to the same person or persons that were able to steal my credit card information and fraudulently use it. I have paid Capital One for these charges and have paid interest on them as well. I immediately notified capital one on all the charges that were fraudulent and felt confident that these charges would be automatically credited back to my account as they are obviously 100 % fraudulent and have been charged to my other cards as well. The other cc companies did their investigations and did conclude these were fraudulent. Capital One on the other hand treated me like a criminal and flat out Denied even opening an investigation into this. I asked to talk to a supervisor by the name of XXXX  XXXX XXXX  XXXX ( Fraud & Dispute Manager ), he was extremely rude and told me why I waited so long to report these I said between Covid and everything there was to to much going on at that time. I asked him to reach out to the companies that charged my card through XXXX and ask why the charges were made and to ask for a receipt it and kind of product or service they allege I bought. He wouldnt do anything he told me Im not going to do any of that and basically told me to bad. I did not make these charges nor did I do any business with these companies these are not a disputed item or product these are full fledged Fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX, XXXX, XXXX, XXXX, has violated my rights. 

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a customer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I noticed a XXXX XXXX on the XXXXXXXX XXXX website. I called and thry told me they had it and ran my credit. They then called back and said the XXXX  was gone and but i had been approved for a XXXX XXXX. This is when they performed a bait and switch on me. I decided to purchase it but i told them i wanted a warranty that covered 100 percent of future costs. I asked if the car had check engine lights and had been serviced. The salesmen XXXX XXXX stated the car was great and had no problems, no check engine lights and had been serviced. I had my wife wire {$10000.00} for the down payment. He sakd the warranty covered all future repairs after i received the car for four months. I asked for the warranty but he didnt send it. When i received on XX/XX/XXXX  the car it immediately ran hot.within 90.feet of driving it and their was a.check engine light. The car was not drivable nor operable. I called XXXX the salesmen he told me to drive it to a mechanic. I towed it to XXXX who told me the rapairs but told me they couldnt fit it. I then towed it to an ase ceritied mechanic. I received i called the car lot and spoke with XXXX and told her i wanted to return it on XX/XX/. And told her about the car. She said send her the bill. XXXX said the carlot would pay for it. XXXX a representative at XXXX  then said she would have a salesmen call me. They nevwr did. I called but the XXXX  dealership kept sending my calls to voicemail and refused to return a call or email.they refuaed to tale the car back. I later recieved the warranty i formation and found out the warranty only covered 3 percent of the {$8000.00} in repairs. I towed the car home. I then complained to my bank American credit acceptance phone number XXXX XXXX XXXX who informed me the XXXX  XXXX  had falsified the condition of the car in order to receivd the loan. They told mr call back in a few.days.and im waiting to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! my name is XXXX XXXX. and i would like to file and complaint unlawful act. I have try speaking to this company in regarding this matter to get this resolved the company name is XXXX XXXX XXXX and as XXXX XXXX neither of these company. I haven't try to apply for any type of loan speaking with this this matter has became and big issue than it should never even contact me no kind of way about this manner. i did some research and found this information on my own trying to get this dispute because i have no acknowledgement of these inquiry i decide to turn to your company for help to get this matter resolved.
Product: Checking or savings account

A few years ago, Wells Fargo randomly opened another account under my checking. I believe it was a savings and then I ended up having them close it a few years later, but they opened it without my permission and also charged me different fees for things that I never signed up for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter makes to credit bureaus and no response in 30+ days ; included were notarized copies of my social security card and drivers license.
Product: Checking or savings account

In XXXX  when my son was XXXX I open him an account at PNC bank. I was told that i would be an authorized user until he was XXXX. Now that he is XXXX XXXX XXXX, I have no access to his account. If he receives mail his name is on the mail, not mine. apparently, his account was overdrawn and PNC withdrew {$480.00} from my account without notice. I was unaware that his account was overdrawn and was not notified that they would withdraw this money from my account. I called them to find out why and they said they did it because I was on his account and they could not refund me. I told them that this is a hardship for me and that if they could return the money, I will make payment arrangements. I have been with PNC for over 10 years and this has never happened to me. I told them that I am behind on my mortgage and that the money in my account was for that. I talked to XXXX different people and no one was willing to help. Please help me to get my money back to pay my bills if only temporarily.
Product: Credit reporting or other personal consumer reports

To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report.

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ).

Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap.
Product: Credit card or prepaid card

hello The following is the message I sent to Chase Ink for Business which will also describe my compliant about the company : " Hello, I had made a claim using one of the benefits of my chase card ( extended warranty ) and the claim was denied. 
The claim was originally for a XXXX  that was out of XXXX  warranty ( 12 month ) however as stated in the members benefits page, chase card services is suppose to cover the warranty for an additional 12 months. I had filed the claim at the 20th month period after I purchase the phone, however the reason my claim was denied by card benefits service was because they think it was still within the XXXX   warranty. 
So now I am stuck, when i first file the claim, the service agent told me that that my claim will go through as it was within the parameter of the claim. If i would have known that it would be denied, I would have just out that money toward a brand new phone. 
I have been a chase business card holder for a few years now and I have been a good customer with my spending and my payments, I would like for you as a company to honor your end of the bargain when you offer these benefits to customers or else I don't see a reason to stay. 

Thanks '' I have sent this mail to chase and no reply regarding this issue. Please help Thank you!