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

Terrible issue with SUMMIT FINANCIAL CORP. After hurricane Irma I was told that I would get XX/XX/XXXX and XX/XX/XXXX payments deferred to the back-end of my payments so I paid XXXX for the months of XX/XX/XXXX and XX/XX/XXXX but wasn't told that I had to pay an extra {$21.00} for the payments to be deferred after I made the payment which led to my car being put up for repossession in XX/XX/XXXX. I got past the tow truck  guy called Summit explained what happened and singed a contract with them to take the repossession off paid {$1300.00} for that. I was left displaced due to the hurricane & have not been working since ..explained this to a collector ( XXXX ) and asked why was my payments for XX/XX/XXXX and XX/XX/XXXX were {$650.00} she said it was from all kind off different late fees ... then I stated I couldn't afford those fees and if I paid that I would be up 2 car payments she then that if I just pay an extra {$1.00} over the payment I would be ok and stated that I would double the payments for XX/XX/XXXX and XX/XX/XXXX and that I just was offered a position. I was unable to keep that promise due to me starting new and had to wait til XX/XX/XXXX to get paid. On XX/XX/XXXX I tried logging into the website to pay and was locked out ... tried contacting customer service but was put on hold for a good while. That night my car was repossessed around XXXX and being that I work graveyard shift I was unable to go to work @ XXXX. Called them @ XXXX XXXX and was told they had no knowledge yet of the tow company having the car and the company opened at XXXX someone would give me a call back ... that call didn't come until XXXX ... and was told by a repossession manager then that they were not going to take the {$1000.00} they stated I owed for the past due late fees and car payments ( which I only owe {$310.00} a month and was willing to pay the amount stated ) and he felt I was going to continually be late along with the payments and that the car is still over {$14000.00} on which I suppose to owe ( which it was only {$13000.00} when I purchased it and have had it almost 2yrs ) so they were defaulting on the account. I'm truly confused to how have the total cost not changed in 2yrs along with how could he personally make that type of descision. I asked for all transactions to be sent to me also so I can see for myself exactly how the payments were over {$14000.00} but I have yet to receive that email. Im currently at rusk of losing the job I just recently received due to this situation.
Product: Credit card or prepaid card

XXXX XXXX and it's affiliate ABC Fitness solutions fraudulently charged my card XX/XX/XXXX for a membership that was put on hold XX/XX/XXXX and cancelled effective XX/XX/XXXX because XXXX XXXX was negligent in processing my cancellation timely. After several phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and text messages ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was finally able to speak with XXXX tonight and he is stating that my contract verbiage " If, by reason of death or disability, the person agreeing to receive services is unable to receive all services for which he has contracted, he and his estate shall be relieved from the obligation of making payment for services other than those received prior to death or the onset of disability, and that if he has prepaid any sum for services, so much of such sum as is allocable to services he has not taken shall be promptly refunded to him or his representative. For the purpose of this section, 'disability ' means a condition which precludes the buyer from physically using the facilities and the condition is verified by a physician '' is only referring to a permanent disability ( not a disabling injury that will take months, up to a year to heal ), only referencing when a lump sum is paid and not a month by month membership and that there is still a 30 day notification requirement, regardless of the verbiage about being " relieved from the obligation of making payment for services other than those received prior to death or the onset of disability. '' The cancellation policy that begins on page XXXX of the XXXX XXXX XXXX attachment does not state any such information. Additionally, the contract does not state anything about a hold or freeze period, which XXXX and other gym employees state requires 30 days notice. Furthermore, an XXXX dispute such as this where I revoked authorization XX/XX/XXXX, is now considered unauthorized under both Reg E and Mastercard Zero Liability, thereby the gym also violated Reg E by not providing a resolution within 10 business days of the date of my XX/XX/XXXX email.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - Account XXXX : XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX, however, on XX/XX/XXXX the XXXX I was paying timely on, no late payments, the vehicle was recalled by XXXX. Recall number # XXXX put my family and myself in immediate risk of the vehicle catching fire per the description and I was advised not to charge the vehicle or park it near my house or other vehicles. As a result, I called XXXX XXXX in an effort to get resolve, turn in the vehicle early as I could not drive it as intended and it was also unsafe to drive and park near my house. When my kids learned of the risk they did not want to ride in the vehicle any longer making for a hardship when I have XXXX kids that I help take to sports and events outside of when my wife can with her one vehicle. The XXXX case number is XXXX, a buy back was not offered and the dealership said they were not part of the decision as Ally held the loan. At that time I looked up the State of Florida lemon law, unfortunately more than 2 years and 60 days had expired so I was not eligible under that clause. Ultimately, after much consideration I decided to turn the vehicle into the dealership prior to the lease terming out, that date was XX/XX/XXXX. I was told if I wanted to dispute the situation further and get resolve this was the best approach and if I was to receive a final bill from Ally, which I did on XX/XX/XXXX, I could contact Ally and dispute the bill over the phone. That call took place yesterday to no success, they said I owed XXXX XXXX and there is nothing further they could do for me as they can not override the billing system. Upon the failed effort I was advised by the FL State AG to contact this agency, Consumer Protection. With that my goals are as such, have Ally put a freeze on my account until I am allowed the opportunity to dispute the bill and obtain resolve and to see this or any other alternative process thru that releases me of the unpaid months and fees tied to turning in a recalled vehicle that was unsafe to drive, had no sign of a fix in the near future and did not allow me utilize the battery feature that I purchased the vehicle to use. Thank you in advance for your assistance in this matter, it is greatly appreciated.
Product: Checking or savings account

On XX/XX/ at XXXX I attempted to deposit {$450.00} cash into my checking account. The ATM XXXX for Citizens Bank at XXXX XXXX XXXX XXXX NY XXXX ate my deposit cash deposit. 

The bank refused to reimburse or debit my account these funds deposited
Product: Credit reporting or other personal consumer reports

Kindly dispute the XXXX  that appears on my credit report, I'm writing. I have a court letter stating to the fact that this XXXX  should not to be published. This situation gets worse by the involvement of an unauthorized third party.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account XXXX XXXX XXXX I look in Experian for credit report on XX/XX/year> and notice something are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximal possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( exb ). And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatments of inaccurate or unverifiable information. ( A ) in general after any reinvestigation under paragraph ( 1 ) of any information dispute I had a late payment is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on my report. I than printed out a copy of my credit report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$75.00} XXXX  XXXX XXXX XXXX {$110.00} XXXX  XXXX XXXX {$830.00} XXXX   XXXX {$12000.00} XXXX XXXX XXXX {$440.00} XXXX   XXXX {$2600.00} XXXX XXXX {$400.00} XXXX   XXXX {$300.00} XXXX  XXXX XXXX {$670.00} XXXX/XXXX   XXXX {$830.00} XXXX XXXX {$93.00}
Product: Checking or savings account

WELLS FARGO HAD AN ACCOUNT STILL OPEN WITH MY INFORMATION, WHEN I WAS TOLD BY THEM THAT THEY HAD CLOSED BY WELLS FARGO CHECKING ACCOUNT IN SPRING OF XXXX. I USE TO GO TO THE BRANCH ON XXXXXXXX XXXX XXXX XXXX XXXX, NEW YORK. THEY TOLD ME MY CHECKING ACCT. WAS CLOSED BY SOMEONE, I DID KNOW. THEN WHEN PRESIDENT JOE BIDEN SENT CHECKS FOR {$1200.00}, XX/XX/XXXX, {$600.00} XX/XX/XXXX, AND XXXX XX/XX/XXXX. 
THE ACCOUNT NUMBER WAS : XXXX, ROUTING NUMBER : XXXX. I CALLED IRS TODAY THEY TOLD ME THIS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2008, I have kept very close monitoring of my credit ; however, in the past several years I have requested annually " free '' credit reports AND scores, but have NEVER received any score from any of the three agencies. When requesting both, there is a box to check for both, but when the report is received it literally says, No Score is included with no information on how to obtain that " free '' score without having to '' jump through more hoops '' and sign up to pay for it on another website.

When calling the three agencies, I have been put on hold for more than 30 minutes to an hour and have NEVER received an answer or a response as to why I can not get my credit score as well as my report. The most notorious of the three reporting agencies is XXXX. You must sign up on line and pay for your score. 

Withholding a consumers financial history, in my opinion is equivalent to withholding critical medical information from a consumer that can assist them in improving their health. Consumers lacking easy access to their personal financial evaluations ; e.g. scores and reports does NOT allow them to negotiate effectively with lenders, but more importantly benefit from lower interest rates etc. they have worked so hard to EARN! I maintain excellent credit ; however, anytime I have applied for a loan of any kind, the lender has ALWAYS had a " lower '' score than I was aware of which they use to increase my interest rates and thus costing me hundreds of thousands of dollars over the years! 

What is the point of withholding or making it nearly impossible for a consumer to obtain credit scores AND reports, but to give lenders and corporate entities a financial advantage over the consumer? If consumers are allowed BY LAW to have these reports annually, the three major reporting agencies should be abiding by these laws and not continuing to put barriers in the way of consumers obtaining critical financial information. And, if found in violation, these three agencies should return the hundreds of thousands of dollars lost to consumers since the receipt of a free annual free credit report and scores to consumers was signed into law.
Product: Credit card or prepaid card

I have a credit card account with Capital One, and I paid off the balance on the account on XX/XX/2022 but they still continue to charge me interests even after paying off my balance. No other credit card company does this to me. I have had the same issues with them in the past, and they are still doing the same thing and don't want to change their practices. These are unfair practices by Capital One to consumers, which they need to rectify. I thought they had changed their practices after this same experience with them in the past, but it looks like they don't want to. What makes them so different from other credit card companies, who do the right thing. I have paid off balances on my other credit cards and none of them have ever come back to charge me interest fees. So, I guess I can not continue with this type of unethical company. I spoke to a customer rep. of theirs today, and he was still talking about accrued interest, which are already included in the balance I paid off. Then he says " You can do what you want. '' Please have them remove those charges from my account and stop harassing me about them with phone calls and emails. I paid off {$1200.00} and they are harassing me about {$14.00} that they charged the first month and now jumped to {$29.00} this month. This is a way of stressing consumers, which I really do not need now. Thank yo for your assistance.
Product: Debt collection

I am submitting a complaint against Starmark Financial LLC regarding an account they have reported to the credit bureaus. Starmark Financial asserts that they purchased this account from the original creditor, with whom I have had no prior business relationship.

I challenge the validity of this debt and believe that Starmark Financial is not complying with federal regulations, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Starmark Financial has failed to provide the required validation of this debt under 15 U.S.C. 1692g ( b ). Additionally, their continued reporting of this account without proper validation violates 15 U.S.C. 1681s-2 ( b ) of the FCRA, which mandates that all reported information must be accurate, complete, and verifiable.

Despite my dispute, Starmark Financial persists in reporting this account, which is negatively impacting my credit. I believe this is a deliberate violation of my rights under federal law. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene and take immediate action to investigate this issue. I demand that this account be removed from all credit reporting agencies and that any other appropriate measures be taken to address this unlawful reporting. 

Additionally, I am formally demanding the deletion of the disputed account from all credit reporting agencies. Under the FDCPA and FCRA, you are obligated to ensure that all reported information is accurate, complete, and verifiable. 

Upon acquiring this account from the original creditor, Starmark Financial became subject to the validation requirements outlined in 15 U.S.C. 1692g ( b ). Since you have not provided sufficient validation that this debt is legally enforceable, and you have not demonstrated that Starmark Financial has the right to report this account, your continued reporting constitutes a violation of the FCRA under 15 U.S.C. 1681s-2 ( b ).

Moreover, as you have admitted that there has been no direct business relationship between myself and Starmark Financial before your acquisition of this account, I dispute the legitimacy of this debt entirely. Without direct proof of ownership and proper validation under federal law, your reporting of this account is inaccurate and misleading. 

In accordance with the FCRA, I demand that Starmark Financial LLC immediately stop reporting this account to any credit reporting agencies. Failure to comply will result in my pursuing all available legal remedies, including filing formal complaints with the CFPB, the Federal Trade Commission ( FTC ), and pursuing civil litigation for violations of my consumer rights. 

I expect to receive confirmation of the deletion of this account within the legally required time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXXXXXX Open Date XX/XX/XXXX balance : Balance : {$0.00}
Product: Student loan

My student loan with XXXX was supposed to be refinanced over a month ago with XXXX. However my XXXX loan is still not paid off and still accruing interest and requiring payments. The new XXXX loan has also been accruing interest and repayment started on XX/XX/22, even though they have not paid off one of the loans they are supposed to be refinancing. I've received a lot of changing and conflicting information from both XXXX  and XXXX. We've been trying to resolve this for the past month without much progress. 

I had an approximately $ XXXX student loan with XXXX and my wife had an approximately $ XXXX student loan with XXXX. Last month we refinanced and consolidated into XXXX loan with XXXX for about $ XXXX. The XXXX loan was paid off quickly, however the XXXX loan was never paid off. Per XXXX, they disbursed payment to XXXX on XX/XX/22. I called XXXX several times but was always told that no check had been received. XXXX asked me to wait 30 days before requesting a new check. 

After waiting the 30 days as instructed by XXXX, we called on XX/XX/22 and XXXX told us that XXXX had cashed the check on XX/XX/22. XXXX initially couldn't find record of this and when they got back to us, they state they sent it back to XXXX on XX/XX/22. First they said it was because it was sent to an incorrect address, then said it was because there was no account number to identify it. We're now being told that we once again need to give it more time while the check travels back to XXXX. 

I can't get consistent information or a clear timeline from either XXXX  or XXXX. We are now having to make payments on both the XXXX loan and the new XXXX loan. I raised this concern to XXXX  before their first payment was due ( due on XX/XX/22 ) and was told to give it more time. 

My other concern is that both of these loans are accruing interest. Instead of accruing interest on ~ $ XXXX of loans, we've been accruing interest on ~ $ XXXX of loans ( interest on the ~ $ XXXX from XXXX and then again from XXXX ). I don't understand how XXXX can start requiring repayment when they have not paid off the loan they were supposed to be refinancing. 

We've spoken with XXXX and XXXX several times. I've also spoken with XXXX to verify that they didn't accidentally receive the full ~ $ XXXX. We don't seem to be getting anywhere yet every day more interest accrues on both loans.
Product: Student loan

Navient consolidated school loans taken out in my name for my daughters college education. She became critically ill in the first semester of her XXXX year and recovered, but had to drop out of college. Navient attempted to collect XXXX XXXX dollars a month on her school loans! At the time of the consolidation the loan was {$29000.00}! In 2007. I had XXXX children at home, I was going through a divorce, and had to move out of my home and buy another during the height of the mortgage crisis. Each time I spoke to a representative, they sugested forbearance. And never ONCE offered an alternative solution. This has been a living XXXX working with these people, all of whom reside in the XXXX and are very difficult to understand. I had to claim bankruptcy and shortly after had to go out on XXXX for 10 months fora XXXX. ( Navient said they could n't do anything but forbearance ). Now my payments are up to {$440.00} per month and the balance is up to {$48000.00}!!!! 
Frustrated in XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to get my free credit report from Equifax. They continue to tell me that online delivery is unavailable. They are requesting that I send my personal information via mail to them which is out of the question, they have proven to not be careful with my information before so I do not trust this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK took my money in agreement to remove item from my credit report, but have fail to do so. And has continue to report faults/and inaccurate information. I consider this to be a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX and Equifax credit report are fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX
Product: Debt collection

Company trying to collect on debt not owed. Collection of XXXX on my credit report
Product: Debt collection

This company, XXXX XXXX XXXX, calls me about XXXX times a day leaving messages. After I blocked one number they started calling from a different number. They said if I don't agree to make arrangements to pay they can put a lien on my car or garnish my federal income tax. The lady stated that I owed over {$4000.00}, but I could settle if I immediately sent them {$1200.00}. She wanted me to send her my banking info over the phone. After I wouldn't agree to sending them {$1200.00} she got an attitude with me like she just couldn't believe I wouldn't send them that amount. I know of this debt, but I'm trying go figure out how it got to be over {$4000.00} when initially the debt was a little over {$2000.00}. I have asked them to send me documentation stating who they are and information about the amount of debt I supposedly owe. They have also been contacting my brother who knows nothing about this situation. I thought this was against the law!!! 
I'm also wondering if it is over the statue of limitations to collect this debt because it goes back to XXXX.