23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 name : XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX XXXX XXXX Account number:XXXX Account name : XXXX Account number:XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX  Account number:XXXX  Account name : XXXX XXXX  Account XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX Account number:XXXX  has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

I was XXXX payments behind on my car payments, I called the office of XXXX XXXX to try and working something out. I told them that I can make XXXX payments in XXXX, if they can help me with the XXXX, then in XXXX I can set up a monthly draft and have payments come out that way. I was told that they will would do the assistance once I made those payments. Once I did they told that they would not be helping with the third payment. In XXXX the transmission was going out on my car, I emailed XXXX told them that I could n't make the payments and save for a new transmission. They told me that if Imake the payment that they have XXXX more option that will help me with that time. Once again I made the payment and they are going back on there word and what they told me
Product: Mortgage

I have been told that I can not make an online payment. I called to make a phone payment and was told that they would not accept XXXX. I was instructed to wire a payment through XXXX XXXX to immediately catch my account up. I did, through the XXXX XXXX website. The next month I received notice that my house had a foreclosure date set due to lack of payment. I called and offered to make the current payments but was told I had to pay the total ( including what I had wired ). I then faxed all of my receipts but the payment was not found. When I called XXXX XXXX to track the payment, I was told that they still had my money. Refunding the wire was the only option I was given. I have offered to pay all of the payments due, but now have {$4500.00} in fees added to the payments.
Product: Credit card or prepaid card

I saw a feature called " Plan It '' advertised in my online American Express ( Everyday Blue Cash ) account offering a special no fee, no interest payment plan to assist with large purchases ( for a limited time only ). The Plan It module online offers a " calculator tool '' to " see how the Plan It module works XXXX direct quote from online account ). '' I entered an amount of over {$9000.00}, the cost of the large purchase I was planning on making. The module provided 3 potential scenarios : 12 months, 18 months, or 24 months, all at {$0.00} fees and {$0.00} interest for a total cost of the amount I keyed into the calculator tool. The 24 month scenario worked well for me, so I proceeded with the large transaction. 

Once the transaction actually posted, I was unable to use the Plan It module to create a plan, so I called American Express Customer Service. I was told that the 24 month plan would still be available, but only after the monthly statement cut online. 

As of today ( XX/XX/20 ), the statement cut and the longest payment option I was given to create a Plan It for the transaction was 12 months. Now, American Express is claiming that the online tool is " illustrative only. '' What is the point of the Calculator Tool to plan for a large transaction if the scenarios presented change AFTER the large transaction has been run and posted to your card? American Express has REFUSED to extend me the original 24 month plan after multiple calls and now my monthly payment has doubled, which I did NOT plan for and I am now in a financial jam. 

I have screenshots of the online calculator tool ( logged in under my account number ), as well as the " fine print '' terms that I had reviewed prior to proceeding with the transaction. I met all terms that were disclosed.
Product: Debt collection

I purchased a XXXX XXXX to replace my car that was damaged in an accident. It was finance with American Honda Finance. I had problems with the car - all four doors were covered in mold and mildew, the battery had to be replaced by me, dealer refused to replace it and wanted {$72.00} to send anyone someone to get it started for the second time in 10 days. I told the dealer and AHF that I wouldn't pay until the car was fixed since it was supposedly guaranteed. Dealer refused to fix it, I refused to pay. Told them to take it back. They said that it would damage my credit - IT HAS - I am unable to buy another car. 
They took the car and sold it for {$16000.00}. They expect me to pay {$5500.00} for a car I no longer own and they they have recouped their money and possibly more.
Product: Student loan

After graduating college I was unable to make the monthly consolidated payments due to low wages and new baby. I made payments as often as I could which equated to half of the loan payment each month. Instead of offering me a lower affordable payment, I was encouraged by the lender to place my loans in forbearance, being told this would prevent the loans from hitting my credit report. Since 2018, I have consistently made the monthly graduated payment. As of today, I have paid more than what I borrowed however, my loans still have a balance of more than what I borrowed and the balance hasn't regressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score a s if they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped  my credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal y our credit score should go up when balances decrease not when go down.    I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed l oan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.
Product: Credit card

Finally a credit dispute with chase bank amazon credit card is now done thanks to " cfpb ''. They have reversed all late charges and credited all fees etc. Their mistake now has dropped my credit score from excellent to good and has cost me an additional {$120.00} on my homeowners insurance policy renewal. This is ridiculous all over their initial mistake. Chase vowed to repair my credit score and withdraw the late payment " dings '' on my credit score, but again their shady business practices have left my perfect credit score ruined. These fraudulent business practices by chase XXXX of the largest banks in the country are getting old and they need to be held accountable. I demand my credit score be prepared and also demand proof that it has been corrected.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card

I opened the account back in XXXX. I never received the card, or any statement. 
I receive promotions all the time, I receive alerts about the credit card, but never got the statement, so I CAN'T get into my account to be able to see my info, the amount and due dates to make online payments. 
The payment is overdue for 2 months now, and even asking to get the card and the online statement, the company didn't send it. 
I'm receiving over XXXX calls daily about this overdue amount, which I'm very aware and anxious to get paid, but the company is trying to force me to authorize a payment over the phone, when I want to see the statement and check the numbers. 
Even asking them to send it when they call and even call them once to get this done, so far I didn't receive my statement, I got my Credit Score messed up, and I'm being constantly disturbed from XXXX to over XXXX some days with calls trying to make me authorize a payment over the phone when I couldn't be able to check the charges. 
The last call I received, the person that spoke to me made it sound like doesn't matter if I received the info or not, it is my fault the payment is past due and I didn't pay because I didn't want to. 
I'm over this and I want this fixed.
Product: Mortgage

Good afternoon, I am forced to file a complaint against SunTrust /Truist ; XXXX XXXX because I was denied removal of the PMI from my mortgage. Once I realized my payoff had dropped below 78 % of the original loan amount and that the PMI had not been automatically removed. I currently stand at 76.6 % of the original loan. 
On XX/XX/2021 I sent a fax to the SunTrust 's PMI department concerning this issue. 
On XX/XX/2021 I contacted SunTrust by phone and spoke with a representative. I was informed that the request to have my PMI had been denied and that I was sent a letter concerning same. I informed the rep at that time that I had not received a response and I requested that she email the letter to me ; which she did. 
According to the date of the letter, SunTrust responded on XX/XX/XXXX with a denial letter. 
The reason I was given as to why my claim was denied was " because they had no way of discovering the value of my property ''. However the denial letter suggest that i purchase a BPO which was not a guarantee that my PMI would be removed. 
It was revealed that SunTrust representative, XXXX XXXX, was responsible for denying the PMI removal request. My request to speak with Ms. XXXX was met with " There is no way for you to contact her ". This culminates into what we are corresponding about today. My only recourse was to file this complaint in hopes that your office could compel them to adhere to Federal Law. 

Thank you for your time and attention. 

XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

in XXXX, with my american express card, bought an XXXX  XXXX. the item was never received and ill send you proof. its already XXXX and amex isnt taking the amt off my bill.
Product: Credit reporting or other personal consumer reports

RE : 15USC 1681 FCRA Several inaccuracies exist on my EXPERIAN REPORT on every account on these credit reports ( i.e. balance, c/o status, payment history, etc. ). At least one error, if not several errors exist with every account. THESE ERRORS ARE IMPACTING MY CREDITWORTHINESS and ability to provide for my family. Per FCRA findings, it appears that credit bureaus blatantly take advantage of consumers and assume that we, the consumers, do not know our rights and can not go up against them with a challenge. So Far, after numerous attempts to bring errors in credit reporting to the attention of the major credit bureaus, they continue to refuse to correct the erroneous information on my reports. I request that they Please remove items as required by FCRA laws as they have failed to attempt to correct the errors after my numerous attempts to bring the inaccuracy to their attention. I have allowed well over 30 days. 

As the credit bureaus are THE EXPERTS in this field and have aggressively chosen to report erroneous information, they should be able to easily identify the errors on these accounts as it pertains to c/o status, balances, payment history. 

As a FINAL GOOD FAITH EFFORT, I am again allowing a minimal, but reasonable amount of time or enter arbitration with the credit bureaus for statutory damages to include : DEFAMATION and VIOLATION OF FCRA LAWS.
Product: Payday loan, title loan, personal loan, or advance loan

On or around XX/XX/XXXX I applied for a personal loan with SoFi online ( SoFi loan # XXXX ), and was initially approved for {$100000.00}. 

On or around XX/XX/XXXX SoFi did a HARD inquiry into my credit On or around XX/XX/XXXX SoFi updated the offer and reduced the loan amount to {$40000.00}, and asked me to accept or decline On or around XX/XX/XXXX I want to accept offer. I am unable to accept offer on the SoFi APP, and unable to accept the offer on www.sofi.com On or around XX/XX/XXXX I contact SoFi customer service and speak with an agent, " on a recorded line. '' And am told there is an issue with their system, and an IT ticket has been submitted to allow me to accept this offer XX/XX/XXXX - XX/XX/XXXX I return to the SoFi APP and website, and still receive error message, and am not able to accept offer. Also during this time I am in contact with SoFi both outbound and inbound calls stating the offer will be extended to allow for the IT issue to be resolved XX/XX/XXXX I receive a call from XXXXoFi stating the offer will be extended another 15 days to allow for the IT issue to be resolved. I am still wanting to accept this offer, BUT am unable to accept XX/XX/XXXX I log in to the APP, and see the offer was declined by SoFi, that the offer expired due to me not accepting. 
I call SoFi and am told offer expired. And even though I was told the offer would be extended, I was told this was now incorrect. I was only offered to apply again.

SoFi wasted my time for more than a month, making me think I was approved for this loan. My goal of this loan was to pay off a 27 % loan. SoFi wasted my time for 30 days and should be held liable for wasting my time and interest on this loan, and since it seems they had no interest in actually funding this loan, should remove the hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

Almost a year ago I had received a call claiming I had to pay a past due debt on a credit card through XXXX XXXX. That day I made the full and final payment to pay off past debt and close the account. On XX/XX/2018 I received a call stating I need to a Mrs.XXXX back because she had a matter escalated to her office, and I needed to reach her. Today on XX/XX/2018 I receive another call from the same number stating the same as I needed to call with or without an attorney present to resolve matters or action would be taken against me, the call stating the same as the last but by aMrs. XXXX. My account should have been payed in full and closed almost a year ago. I am not happy with the harassment I am receiving with these calls.
Product: Checking or savings account

On XX/XX/year>, I applied for and was approved for the Unlimited Cash Rewards credit card, which advertises increased cash back benefits for Preferred Rewards members. The requirement for Preferred Rewards eligibility is to have a Bank of America checking account and at least $ XXXX in assets under management. I attempted to open a checking account online and enroll early in Preferred Rewards, but I was informed that I needed to visit a branch for identity verification. 

During my branch visit, I emphasized how important early enrollment in XXXX Rewards was to me, and I was assured it had been activated. Early enrollment is supposed to take effect almost immediately, with a XXXX grace period to deposit the required $ XXXX. I successfully opened the account and deposited the funds by XX/XX/XXXX. 

Since then, Ive called Bank of America three times, and each time Ive been told the same thing : the branch teller who opened my account did not complete the process correctly. Despite spending hours on the phone and being told my issue was escalated, Ive gone through the same XXXX waiting period XXXX times without resolution. 

At this point, it seems my only remaining option is to submit a formal complaint.
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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX  AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Inquire from XXXX XXXX on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Product: Credit reporting or other personal consumer reports

I filed a dispute with Experian on XX/XX/2023, regarding inaccuracies in my credit file. The dispute was marked as completed on XX/XX/2023. However, Experian remains noncompliant with its obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, the company failed to conduct a proper reinvestigation of the disputed items and continues to furnish accounts that should not be reported on my credit file. 
The reinvestigation process was rushed, unfair, and impartial, resulting in unverified items remaining on my report. Despite the requirements of 15 U.S.C. 1681i ( a ) ( 5 ), these unverified items have not been deleted. 
Experian must be held liable for its continued violations of my consumer rights. 
These actions violate the FCRA. If resolution is not granted I will seeking relief to address these ongoing issues for willful and negligent noncompliance.
Product: Debt collection

I have contacted TransWorld Systems, 5 times to date via certified mail, they are reporting an unknown account on my credit as it relates to XXXX- I have never had service with XXXX. 

My concern, is that I was never initially contacted about the debt before it was placed on my credit and I have not been contacted after reaching out to them 5 times!!!
Product: Credit card or prepaid card

hi capital one bank and office of the president ; i'm crying right now and stressed out because I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
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 Name : XXXX XXXX  Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.