23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was told at purchase that it was 18 months of zero interest, sign here at the store and bought my laptop at {$2300.00} and made monthly payments over the 18 months. 18 months later I owe $ {$990.00} deferred interests. I had the remaining balance of {$800.00}, so i though i should be charged interests on the remaining balance. 

I contacted customer service ... no help. This was an error by the sales team to not explain the details of the promotion. They never mentioned about " the deferred interests '' at the store and I got approved my Best Buy credit card at the store by the time I made purchase. So, the sales team mislead customers about financing promotion. I see that other best buy customers complained about this issue as well. 

I should have at least mentioned about " the deferred interests ''! 

Best buy account specialist keeps saying it's all in your documents, but the problem is i got my documents after i made my purchasing decision. 

If i had know about " the deferred interests '' at the store, i would have never financed with Best Buy.
Product: Mortgage

I contacted mortgage loan servicer SPS on a number of occasions to request the automatic termination of PMI payments in accordance with my loan agreement. The date listed in my original loan agreement with XXXX for automatic termination is : XX/XX/XXXX. My account history shows that I am well within what is defined in the contract as " good payment history ''. I provided copies of the document to SPS who insists I need to pay an appraisal fee of {$450.00} in order to have the PMI payments removed. The original purchase price on XX/XX/XXXX was {$270000.00}. The current value of my townhome is over {$40000.00} and readily available based on current sales of identical properties in the development.
Product: Credit card

I Capitalone closed my credit cards i paid in full two of my credit card my 3rd credit card was settle on XX/XX/2023. however capital one is still reporting my account as charge off both internally and externally on their system, if capital one was not going to update the account as paid in settlement they should have to told me and i would have paid off, i have been a capital one client for a very long time i had checking accounts credit cards and auto loans which i had pay in full, Capital One Credit Card is telling me that they do not communicate with Capital One Recovery Dept. and Capital One Recovery Dept is telling me that they do not communicate with Capital One Credit Cards. Please help the account ends in XXXX
Product: Debt or credit management

XXXX XXXX XXXX has conned so many people into credit repair and then claimed of a bogus lawsuit against 3 credit bureaus, he has since then closed my account threatened with lawsuit and FBI filing of cyber bullying, has a video that if you dont cive him a 5 star rating on the XXXXXXXX XXXX XXXX XXXX XXXX ( i have saved video } refuses to let me on my portal to get vital information i had previously paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Reviewing my updated letters from the reporting agencies, they have not removed my unauthorized inquires when I specifically stated it violated the law. FCRA 15 U.S.C 1681b states they must have a permissible purpose. Yet they have shown proof of the unauthorized inquiry. This has been stressful. The last time I submitted a complaint they stated it was it wasn't authorized so I'm complaining again. They are saying that to stall. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their file, and they have not done that. This is my second time disputing and filing a complaint about the information that is unauthorized. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). I can not wait for another 30 to 45 days to get these items removed. Please help! Please don't say this isn't me filing the complaint!
Product: Debt collection

I have a a unverified account from XXXX. I had previously disputed this account. I have never done business with XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I BELIEVE THIS IS A HIPPA ACT VIOLATION AS WELL.

I request that XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Student loan

XX/XX/year> was when I received the email about interest during forbearance while I'm on the save plan injunction. I have tried to apply for a different plan but that has not happened. I was told during this forced administrative forbearance i would not accrue interest. I am unable to make payments anyways so it doesn't make sense for interest to accrue and I didn't choose the forbearance
Product: Checking or savings account

I deposited cash into an ATM connected to a Huntington National bank branch in XXXX XXXX, {$1000.00} to be exact, and immediately after depositing the funds the atm sucked my money in and said the money was not taken quickly enough, for security purposes it will be held in the atm or something along those lines. And then it kept my card locked in the machine for atleast a minute. I did not get a receipt and I didnt get the money credited to my account. I immediately called the branch which was closed because it was on Saturday night XX/XX/XXXX at around XXXX. I called the XXXX number for customer service but that also was no help because there was work being done to the line at that time of night. I immediately called the XXXX XXXX police department to see if I should file a police report and was told that it wasnt necessary however if needed at a later time they would have a transcript of me calling them. I spoke to someone Sunday morning the XXXX and filed a report with the bank about the missing deposit. Monday the XXXX a representative from the XXXX XXXX branch and they told me that they dont personally collect any cash or take any reports from the ATM, that they have an outside source that handles it. I didnt hear anything back from the bank, so I called them a few days later at the one XXXX number that they have listed for customer service and I was told that they were reviewing it. Still havent heard anything a few days later so I called him back again. With the same result, a little bit of time goes by and I once again reach out to them and they tell me that they are waiting for the report from the ATM to see how it balanced. And then it should be a couple days and I should hear something from someone. I called them a couple days later and they tell me that they balanced the ATM and that it was not {$1000.00} over but that it was {$140.00} short so I chose to speak to a supervisor who told me the same thing. After hanging up with the supervisor I called the branch once again and I filed another report about the missing money and they told me that they will start the investigation once again. I just need my XXXX dollars and Huntington does not seem to care to help me get it back and it sounds like in their point of you Im going to be out {$1000.00} because they cant seem to find where my money ones from my ATM deposit. No one ever reached out to me to update me on what was happening in the situation, it is a large amount of money and Im a single mother to three kids and I need the money that I deposited, which is why I deposited it so I could pay bills for Huntington seems to have no interest in helping me whatsoever. The money was put into the ATM so where it went beyond. That is not my responsibility. It is Huntingtons responsibility. Someone has the money somewhere and they need to figure it out.
Product: Mortgage

On XX/XX/XXXX, I sent a request for mortgage assistance to my mortgage servicer, Caliber Home Loans , Inc.. They received my request but told me that my request was incomplete and requested I send the more paystubs and bank statements. I promptly sent the requested documentation. A short time later I called Caliber and they informed me that my request was complete and I was being reviewed for a modification. Next, I received a Notice from Caliber 's attorney that they were foreclosing the mortgage and auctioning my house off. I repackaged my modification request and resubmitted everything to Caliber on or about XX/XX/XXXX. Caliber requested additional documentation in the form of bank statements and paystubs which I prompty sent to them. They acknowledged they had a complete package for loss mititgation review and postponed the forclosure scheduled for XX/XX/XXXX to XX/XX/XXXX. At the end of XX/XX/XXXX, I once again called toncheck on the status of my request and was told by Caliber that my request was not complete and that they were moving forward with the foreclosure in complete contradiction to what they had told me in XX/XX/XXXX when they agreed that my package was complete and postponed the foreclosure sale. 

I believe that Caliber Home Loans, Inc. does this type of " bait and swkitch '' tactic routinely to its mortgage servcing customers and they should be punished for this type of dispicable behavior. I am certain that my case is not an isolated incident and I hope that the Consumer Financial Protection Bureau will throroughly investigate my complaint so that Caliber will cease doing this to me and others affected similarly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

XX/XX/XXXX until now I have received XXXX I'm overdrafts fee that's are from auto payments that never get paid but the bills continuously get re cycled I have lost 4 payroll checks due to direct deposit and 2 bill cycle behind in credit cards loans mortgage payments all because wells Fargo keeps giving me fees for items I told them to stop payment on and i didn't recognize. This is illegal and fruad I have reached out everyday and they keep giving my account fees then Harrasing me at work iam almost in chapter XXXX bankruptcy and foreclose of my home due to this bank I have been there customer since XX/XX/2007and my account NEVER gas been like this
Product: Credit reporting or other personal consumer reports

Note : I don't know if what they did/are doing is illegal or not, but you didn't give me any other options that were more accurate. What they are doing is, however, certainly an unfair business practice. They also never informed me that they would do it. 

I appreciated and still appreciate the money NetCredit loaned me. It was a big help. 
And I am NOT complaining about their predatory interest rates ( like 84 % : By the time I pay off the loan in 5 years from the disbursement date, I will have paid more in interest alone than the total amount I borrowed. But still, I'm NOT complaining about that. ) Last year in XXXX, I was temporarily unable to afford the payments. I called, and a XXXX established a " temporary payment relief assistance plan '' with me over the phone : For 5 months, they would automatically debit my checking account via my bank debit card for {$50.00}. ( 100 % of each of those payments went to interest. But the majority of each regular payment also goes to interest anyway. ) Then I would resume the regular monthly payments of {$200.00}. 

All of the smaller temporary payments were covered, and I resumed the regular payments on time every month. 

Here is my complaint : Ever since this temporary payment relief plan was made, NetCredit has been reporting my account to the credit bureaus as " Past Due '' and sending automated emails dunning me to " pay your past due amount. '' But according to the arrangement they made with me, my account is NOT past due, nor SHOULD it be.

I called them two or three times. They refuse to stop the automated emails, which is not a big problem since I simply ignore and delete them anyway. However, they lied and said they had not reported anything to the credit buteaus. 

They are negatively affecting my credit report and damaging my credit : When anyone with access authorized looks at my report, it shows " 5 late payments '' even though I typically never pay any of my bills lateall 5 are NetCredit but no other creditor. And my payments have never been late. By " late '' payments, they are referring only to the five payments deferred for the smaller payments arranged during the temporary relief plan. And those smaller payments arranged were obviously NOT late since they were automatically debiting my bank card every month. 

Moreover, NOBODY at NetCredit EVER disclosed to me, NOT even over the phone, let alone in writing, that my agreeing to the temporary payment relief plan would cause them to consider my payments as " late '' or my account as " past due. '' This is clearly an unfair business practice!
Product: Debt collection

I attempted to contact IC systems regarding a debt from XXXX XXXX XXXX. The reference number is XXXX the representative and I agreed on a settlement amount of {$860.00}. I explained that I would pay once a letter was sent to my email stating that the account would be deleted once paid, They insisted that i pay first then they would send me a letter once they reported it to the Bureaus. I explained i was not comfortable paying without proofs of the agreement we had verbalized, They insisted that it was against the company policy, and refused
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX on XX/XX/2018 to have some incorrect information removed from my credit report. I received a file # XXXX which is the same file # I receive anytime I contact them about any issues. My XXXX  credit report currently shows an account with XXXX  XXXX/XXXX XXXX  which I have disputed as not my account and received notification ( I will attach a copy of that notification stating the account was removed ) stating that, " XXXX   XXXX / XXXX  Account Removed From Report Closed accounts are usually removed from your report after seven years. Once they're removed, the account details will no longer affect your credit score. 

Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX / XXXX  was removed from your credit report. '' This info was provided to me by XXXX XXXX. I also had this same account listed on my Equifax credit report and I disputed it there, as well. I received the same notification on my Equifax report stating, " XXXX XXXX  Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. 
Between XX/XX/2018 and XX/XX/2018, your account with XXXX XXXX was removed from your credit report '' NOW ... the account is listed on both my Equifax and XXXX  credit reports. They are not allowed to remove an account from my credit report which was disputed and add it back again. 

In addition, XXXX  will not allow me to log in to view the dispute from this that I filed several weeks ago stating that the dispute is still in progress.
Product: Consumer Loan

I opened this account in 2014 and if you look at they pay history the application of payments is always inconsistent although I have been paying late they are abusive threatening and once I make two or three payments they balance goes up not down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Department of Education/XXXX  is still reporting about 119 delinquencies on my credit report. My student loans were paid in full by XX/XX/XXXX. I have sent countless letters, e-mails and made phone calls concerning the delinquencies still be reported despite all accounts being paid in full. They have reported duplicate accounts on my report and they refuse to rectify this issue. XXXX  and TransUnion are still reporting 13 accounts as of XX/XX/XXXX. XXXX has a class action lawsuit for deceptive practices and consumer protection. Also under the Rescue Act, they are supposed to abide by certain provisions and they will not update the information on the reporting.
Product: Credit reporting or other personal consumer reports

I am disputing the collection account reported by XXXX XXXX, which is listed on my credit reports with XXXX, Experian, and XXXX. The account details indicate a balance of {$1300.00}, with the original creditor listed as XXXX XXXXXXXX XXXX XXXX  XXXX. The account was opened on XX/XX/year>, and is marked as " Open '' with a status of " Derogatory '' and remarks including " Placed for collection '' and " Dispute resolved-subscriber disagrees. '' Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am exercising my right to dispute the accuracy, validity, and completeness of this account. 

I demand validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires that XXXX XXXX provide a copy of the original signed agreement containing my full signature and Social Security number as evidence of the alleged obligation. Additionally, I request proof of assignment or transfer of the debt from XXXX XXXX XXXX XXXXXXXX XXXX. to XXXX XXXX, as required to establish the legal enforceability of this debt. Without these documents, this account must be considered unverifiable and removed from my credit report. 

The failure to provide adequate documentation violates 15 U.S.C. 1681e ( b ), which obligates credit reporting agencies to ensure the maximum possible accuracy of information on credit reports. Furthermore, the remarks stating " Dispute resolved-subscriber disagrees '' suggest previous disputes have not been adequately resolved or investigated in compliance with FCRA standards XXXX This reflects a violation of my rights under 15 U.S.C. 1681i ( a ), which requires a thorough reinvestigation of disputed information. 

As this account is inaccurate and unverifiable, I request its immediate removal and deletion from my credit reports with all three major credit bureaus. Continued reporting of an unverifiable or inaccurate collection account is a violation of my rights under both the FCRA and FDCPA, and I reserve the right to pursue further legal remedies if this matter is not promptly resolved.
Product: Credit reporting

XXXX is over 10 years old and should not be on my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 U.S.C 1681 section 602A states I have a right to privacy 15U.S.C 1681 section 604A section 2 : it also states a consumer credit reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) against LexisNexis regarding their failure to respond to my dispute. On XXXX XXXX, 2023, I mailed a dispute letter to LexisNexis to address inaccuracies in my consumer disclosure report. Specifically, I disputed inaccuracies in personal information, as well as a bankruptcy record. Despite my efforts, I have not received any results of the investigation from LexisNexis. Furthermore, I received a recent copy of my consumer disclosure report, which still reflects the inaccuracies I disputed. LexisNexis is inaccurately listing the XXXX XXXX as " XXXX, '' while PACER states " XXXX '' I am including a copy of my dispute letter sent to LexisNexis, as well as the PACER Case Summary and the section of the most recent LexisNexis report showing the public record. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies such as LexisNexis are required to respond to a consumer 's dispute within 30 days of receiving the dispute. The failure to do so is a violation of my rights under the FCRA.
Product: Vehicle loan or lease

XXXX i purchased a car XXXX XXXX, XXXX at 20.1 % total of 72 payments. i just found out my loan has matured in XX/XX/XXXX leaving a balance of XXXX. 
i made monthly payments XXXX monthly sometimes i even sent in extra money. 
for principle. I was told by loan company that i had to in full or car will be repo. 
I was forced to setup Modification at 17 % 18 payments of XXXX by the time i am done with this loan i paid for over XXXX the car is not even worth XXXX I have asked to have my account review for errors. they said they reviewed by file. 
i have asked for restitution, deficiency waiver or even forgiveness of the loan. 
I even ask how did I end up with a large amount? I am aware that a deferred 4 or 6 payments due employment and medical. I am aware i would have some kind small balance left They were not able to give me a answer. 


i know several people that use this company have run into same issues