23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

We purchased a vehicle and financed thru Santander Finance. After going through hardship we lost the vehicle. XXXX of this year I reached out to Santander because it was showing an open balance on our account. I told them if they would do a pay and delete I would pay a settlement price. They agreed to do it. This was under both my name and my husbands name XXXX XXXX. I paid the settlement amount but the account is still showing on my XXXX, XXXX, and XXXX as well as on my husbands bureaus. We feel lied to and when we call Santander they just blow us off and say the account shows paid XXXX balance but it isnt supposed to be on the bureaus at all
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX and deposited XXXX into my checking account. That same day I raised my spending limit to call and pay bills from the money in the checking account. I called Penny Mac on XX/XX/XXXX which Penny Mac decided to not process the day I told them to and attempted to Charge on XX/XX/XXXX days later then what I requested. the money was still available but at the time I didn't have a limit increase so that the large payment couldn't process. The branch manager wrote a letter and also attached the policy for spending limits. I tried reaching out to Penny Mac several times they won't help me with this matter. They did admit not charging my card and waiting XXXX days and also that were not willing to work with me on settling this matter
Product: Credit reporting

We were trying to access Experian Free annual credit report online ( last accessed XXXX ). Error message states : " We are very sorry, we seem to have run into a technical problem with our system and are unable to complete your request at this time. Please try again in a few minutes. If the problem persists, contact customer support. Error Information XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX '' 2nd attempt about half an hour later resulted in " We were unable to honor your request ... '' and directed that we could provide this request with copy of driver 's license and utility bill at www.experian.com/upload. 
3rd attempt via upload link resulted in " We were unable to upload the below document ( s ) successfully. You may submit your documents by mail to Experian, XXXX XXXX XXXX, XXXX, Texas XXXX using this form. '' So now, to get a " free ' credit report, I have to mail this, paying for certified service in order to get receipt information. 
Copies of documents attached. 
Thank you for your time & consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

As defined by the IRS. Even if you didnt receive a Form XXXX, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge off as Gross income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which in fact makes the reporting of this account inaccurate. Ive attached the full IRS publication for review *page 3* is the page that needs to reviewed*, as well as the letter that was submitted to Navy Federal Credit Union with these same details.
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. XXXX  XXXX : LATE PAYMENT XX/XX/year> Account # XXXXviolated 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 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: Debt collection

The work that I had done at XXXX XXXX XXXX XXXX in XXXX, nc was completed on XX/XX/2022. My check engine light was reset and the work was complete however, yesterday afternoon I get in my car to go get my kids from school and the check engine light is back on, I havent even been driving my car a week since it was serviced. I am not paying on the contract for that portion of the work if the problem was not fixed. Back in XXXX I used XXXX  with a local mechanic, long story short the mechanic shop made the problem worse and i took it back to them twice, they told me to take it to XXXX XXXX. When I signed up with XXXX, I was told I would have a 3 year warranty for any service that they completed. When I reached out to the mechanic shop and XXXX  about rectifying this they told me its nothing they could do. I paid {$1900.00} a month later to XXXX XXXX and they fixed the emissions system, after paying the local mechanic {$2000.00} for work they claim they fixed but they basically put a bandaid on the real issue. 

I took it XXXX to verify which code was malfunctioning and its the same service that was supposedly fixed by XXXX XXXX XXXX XXXX. My emissions system light has come on twice since they supposedly fixed. I took my car to them today and his words were you need a second opinion, we cant determine the failure. 

I ended up selling the vehicle two weeks after the first mechanic claimed to fix my gas leak. I have a new vehicle now.
Product: Checking or savings account

I decided to close my Citibank checking account. I wrote myself a check for the remaining {$5000.00} and deposited to my XXXX XXXX checking account. A few days later, I logged in to XXXX XXXX  and saw the deposit and {$5000.00} available. I logged in to Citibank and the balance was {$0.00} ( as expected ). I then made the lengthy series of phone calls required to close the Citibank checking account. A few days after this, XXXX XXXX showed the {$5000.00} deposit had been returned along with a {$19.00} fee for bouncing the check. I logged in to Citibank and my transaction list shows NOTHING RELATED TO THIS and the balance is again {$5000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navy Federal Credit Union for egregious violations of the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974. My concern revolves around Navy Federal 's inaccurate reporting of negative transactions on my consumer report, a clear infringement of the rights protected under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ).

In addition to the FCRA violations, Navy Federal has failed to provide the appropriate mechanisms for me to exercise my legal right to opt-out of the sharing of my nonpublic financial information with third-party non-affiliates, as mandated by 16 CFR 313.7 and 15 USC 6802. This blatant disregard for consumer rights is unacceptable.

Despite providing Navy Federal Credit Union with formal notice of my decision to opt-out, the institution persists in violating the Fair Credit Reporting Act and the Privacy Act of 1974. This not only represents a fundamental breach of my privacy but also undermines the integrity of the regulatory framework established to safeguard consumers.

I am urging the Consumer Financial Protection Bureau to conduct a thorough investigation into Navy Federal Credit Union 's practices and take immediate action to rectify these flagrant violations. As a regulatory body empowered by 15 USC 3805, I expect the CFPB to enforce the laws designed to protect consumers like myself from such reprehensible conduct.

Navy Federal Credit Union must be held accountable for their actions, and I request that the CFPB intervenes swiftly to address these violations and ensure compliance with all pertinent federal statutes.

I appreciate your prompt attention to this matter and look forward to a decisive resolution that upholds the rights and protections afforded to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to inform that this account is reporting false and inaccurate information and needs to be removed by law immediately. This account is showing 3 different last active dates which is false and inaccurate, against the law. Also showing last payment date false information. This account is also showing false information for the last reported date. This account needs to be removed immediately or I will continue this investigation. THIS ACCOUNT ALSO SHOWS 3 DIFFERENT DATES FOR ACCOUNT OPENED. THIS IS AGAINST THE LAW. 

Account # XXXX Account name. XXXX XXXX LAW 15 U.S.C. 1681x 15 U.S. Code 1679c
Product: Credit card or prepaid card

On my XX/XX/2022 statement, my oldest balance transfer had a balance of {$310.00}. On XX/XX/2022, we made two separate payments from two different bank accounts totaling {$310.00}. This should've paid off the oldest balance transfer ; however, the bank did not apply the payments to the oldest balance transfer. As a result, we incurred {$4.00} in interest plus the balance of that oldest transfer is still {$230.00} ( with a {$300.00} balance subject to interest rate ). During my phone call with supervisor XXXX, she admitted the financial institution does not put our payment to the oldest balance transfer ( or any balance transfers expiring soon ) first. XXXX claims her financial institution has no way to ensure consumer payments are directed to a particular balance transfer. Ultimately, these are questionable business practices and ensure the consumer will get charged with interest and/or late fees. The bank is already making money off of the consumer for the balance transfer, but they want to make paying off the transfer as difficult as possible.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. My information was exposed in XXXX data breach. I am writing to formally dispute several hard inquiries listed on my credit report. Upon reviewing my credit profile, I discovered multiple inquiries and accounts that I did not authorize nor recognize. These inquiries and accounts are adversely impacting my ability to secure new credit and are unjustifiably affecting my creditworthiness. 

As per the Fair Credit Reporting Act, I am entitled to dispute any inaccurate or unauthorized information present on my credit report. Therefore, I kindly request that the unauthorized hard inquiries be promptly investigated and removed from my credit report. 

I emphasize the urgency of this matter and request that these inquiries be expunged from my credit report within 30 days. Such timely action is essential to restoring the accuracy and integrity of my credit profile and ensuring fair access to credit opportunities. 

Enclosed with this letter, please find copies of my credit report highlighting the disputed inquiries, along with any supporting documentation that may aid in your investigation.

I appreciate your attention to this dispute and anticipate confirmation of the removal of these unauthorized inquiries from my credit report within the stipulated timeframe. 

Thank you for your prompt assistance in resolving this matter.
Product: Debt collection

The company kept stating that I was the one who submitted the application with no proof when I asked for documentation, stating that XXXX XXXX XXXX was the allergic one that submitted and agreed to the Policy terms. They stated that theyre having technical difficulties and to call back and one or two business days. When I called back on the third day they stated that they couldnt pull up my application, but yet it still remains on my credit file
Product: Debt collection

15 USC 1692g : If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to Experian on multiple occasions regarding the XXXX XXXX  COLLECTION ACCOUNT. Experian has alleged that they have verified the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) ; however, have failed to substantiate how they verified that the account belongs to me. Instead, Experian forwarded me a form letter of their investigation process. Moreover, XXXX XXXX has not provided a contract illustrating that I agreed to the debt. It is also imperative to note that I am a " XXXX, '' so the alleged debt can belong to my father and has not been validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is not taken care of the problem of a dispute that I have constantly submitted XXXX  has corrected the problem my issue is what is the issue with XXXX  that they can not get the information correct and update my files such as XXXX  has done it is affecting my score and this needs to be corrected and I'm sick of XXXX  but they're slowness and insufficiency about fixing issues on your credit report
Product: Checking or savings account

I opened my chase business account with {$200.00} dollars and now its shows Im negative its not fair I didnt even get to use my card since I lost it and they have been charging me monthly service fees without me knowing I asked if as a courtesy they can reimburse me these fees they said no
Product: Vehicle loan or lease

In XXXX, I paid off my car loan with kia finance and was set to receive a refund of {$710.00} and {$210.00}. I have reached out multiple times regarding these refunds because I have not received them yet. I have been promised different dates by multiple agents and they have all fell through. Everytime I call, I am told something completely different. I have now been told it may take almost another month to receive them yet again.
Product: Credit card

On XX/XX/year>, I applied for a Discover balance transfer card to consolidate {$13000.00} in credit card debt at 0 % APR. The online application required my income, expenses, total debt, and account details, making it clear this was a balance transfer request. After submitting, I received confirmation that my application was approved and would be processed within weeks. 

On XX/XX/year>, I received an email stating Discover was " unable to transfer the full amount, '' later specifying they could only transfer {$3000.00}. This contradicted the initial approval message. When I called, an Account Manager said balance transfers are not guaranteed and referred to a letter supposedly sent on XX/XX/year> ( which I have not received ). She raised her voice when I questioned the discrepancy and offered either to close my account or request a credit line increase. I chose the latter, only to be denied by an automated system. 

Discovers misleading application interface led me to authorize a hard credit inquiry under the assumption that my full balance transfer would be approved. Their process is confusing, approving a new card but not the balance transfer it was specifically intended for. Due to this, I am escalating my concerns to the Consumer Financial Protection Bureau and my state Attorney Generals Office.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor : XXXX  XXXX
Product: Debt collection

I moved out of an apartment and after moving out I noticed I had been sent to collections. 

I asked for information as to what the charges where and I was told that I was in collections and they no longer had the information and stated that due to corona virus they were short staffed and could really help me. I was told it was " damage '' assessment after I moved out but I was NEVER notified and I wasn't aware of any damages. 

I contacted the collections agency and told me that the only information they had was an amount and could give me further information. 

I dont know where they are getting the amount from and no one is giving me information I was just sent to collections. 

I asked for them to remove since I wasn't informed but they refuse to verify amounts or give me any proof.
Product: Debt collection

My cell : XXXXcalls with the same message multiple times over day for a debt I do not have. I have no business relationship with titlemax. 
Calls : XX/XX/XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXXXXXX XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX This is only XXXX. Has been going on for many months
Product: Debt collection

I am trying to purchase a home. I don't earn enough money to apply on my own. My mother is a co-applicant and I finally got a preapproval after at least 12 attempts to get a loan without a cosigner. LVNV and Resurgent have 2 negative marks on my credit report. I tried to dispute them because I have been living on a very limited income for over 8 years. I called to see if I could settle on both, one over {$400.00} the other over {$600.00}. I only receive a check for {$950.00} and my rent is XXXX. The settlement amount were no more than {$50.00} less than the actual balance. I asked about a hardship discharge and I was given the instructions on how to apply. I was not informed during the initial contact and a subsequent follow-up to check the status of the application that their hardship is temporary and I could make small payments during this time, which I still don't know what the time frame is for the hardship. My option is to agree to a plan for $ XXXX for about 3 years. I asked would the items be taken out of the delinquent status once I started paying. I was told that once I paid for the loan completely then it will be removed from negative. 

This is causing me to not be able to get affordable housing and I can't get the mortgage until I get them resolved. And the terms of the estimated loan amount, 15 years on XXXX are not favorable to the circumstances. I asked about the 30 year fixed, I asked about the fannie mae home ready and I was told that it was determined by the computer system.I don't know why we were not informed about the credit items when they did the credit check, but they reduced the amount of the loan estimate from $ XXXX to $ XXXX, which includes a down payment amount, but I already have a down payment. 15 years in my case is not realistic. If i need a cosigner to be approved, why would I be placed on such strict terms? I am still trying to get the collectors holding the delinquents on my account to work with me on reasonable terms.I thought I would be done with the challenges that I have endured by myself but it continues, there's always a new hurdle to cross, but there is a pattern that is undeniable. Can collection companies refuse to remove the old accounts that prevent me from obtaining affordable housing? 
I have at least XXXX inquiries on my report and they are all mortgage inquiries.
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 numberXXXX  Account name:XXXX XXXX Account numberXXXX 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: Debt collection

I set up a settlement plan on the website of Valentine and Kebartas. It was for 3 outstanding debts. I set it up and made my first payment. My second payment was successful then they abruptly cancelled the plan. I called them and they said the plan was not valid. It was on there website under my name in the portal. They said there was nothing they could do. I called my bank and stopped payment. I have screenshots of everything but I was deceived and thought I was in the arrangement. I want this deal to be honored because it was put out there for me under my payment portal
Product: Credit reporting, credit repair services, or other personal consumer reports

I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & XXXX
Product: Checking or savings account

I am a resident of XXXX, Texas. On XX/XX/XXXX, an individual posing as me went into a branch of Bank of America in XXXX, California, and withdrew {$4200.00} from my checking account. Then, within the same day, presumably the same individual went into another Bank of America branch in nearby XXXX XXXX, California, and withdrew an additional {$2000.00}. It has been suggested to me, within the limited information Bank of Americas fraud division has permitted, that the withdrawals were authorized upon presentation of a Texas drivers license and a bank cash card. At no time was I email, phoned, or texted to substantiate the authenticity of the individual before them. I find it unreasonable that the bank would issue sequential, large cash withdraws to an out of state customer on the same day without raising any alarms. To add insult to injury, the next day I received an emailed survey inquiring of my experiences when in their XXXX XXXX XXXX. 
I discovered the transactions on the next day, XX/XX/XXXX, when I went to my online banking to pay bills and found the money gone. I immediately called B/A ( Bank of America ) and reported the fraud. I was told the bank would have to conduct an investigation and, upon favorable findings, I could expect my money to be returned to my account in under 60 days. I was also given a claim number of XXXX. It was also suggested that I file a police report which I did ( incident no. XXXX ). A few weeks later when I called to check on the progress of the investigation I was told that they could not share information with me and that I should not expect my money back for 60 BUSINESS days or, in other words, not until XX/XX/XXXX. 
It has now been two CALENDAR MONTHS and I do not feel that B/A really needs this much time to conduct their investigation, if indeed they are conducting any such investigation. The only reason I can see to hold the money is if there were a suspension that I was a player in the fraud. I resent any such position. Upon my last call to B/A I was advised to just be patient and I would probably be getting my money back. I really resent the position by B/A that I may get my money back. I did nothing wrong except trusting my money to Bank of America. The actions taken by both of the California branches seem to me to be casual and disinterested in the security of my funds.