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

I have experienced hardships after loosing my job 3 months ago. I communicated this with them and I continued to try to better my situation. This made me unavailable to repeat myself everyday and I simply waited until I had an update to reach out. The car did not have an up to date inspection on the vehicle when I bought it. It was a couple of years past due. I had to get another one in order to get the car plated. The starter was going out from the month I purchased the car it was only intermittently so every time I took it in it suddenly worked. A manager that previously worked there told me that I did not have to pay the full amount for the repair when it finally went completely out. He no longer works there. This was two years ago. Suddenly during the time when I have no job, the service that I believe was paid suddenly pops back up on my account and suddenly after a year or two it is now urgent that I pay it. I feel like the last couple of times I spoke with someone they are misleading and deceiving. I thought I was signing a payment arrangement when I came into the office on XX/XX/2023 or XX/XX/2023. I never recieved a copy of what I signed and when I was signing nothing was shown to me. When I called earlier to let them know about an issue with my bank, I was told that I had no payment arrangement. I have been in contact with a lawyer to discuss options as I also was antagonized by a new employee there who was very condescending and unrealistic despite me telling them the truth about my situation and paying what I could when I could. I asked for this person to be blocked from my information and account and was told by the owner XXXX that that was done. I found out today that that was not the case. Ive never had such a problem with them. Ive been without work before and they were extremely helpful with giving me at least 24 hours to find the money outside on the ground. Now Im hearing of all these other possible ways that they can help me that were never offered to me. My payments were never lowered. Despite me being told that they would be. They are not letting me pay on my car note at this point, I can only pay for a repair that I dont even think I owe. They always claim to help but essentially that is only when you can keep up with making high weekly payments. They claim to be honest but none of them are. My car is pretty much paid off and Im starting to feel like this is a scam. Ive always been honest and have consistently made the payments for my vehicle. Because of their hours it hasnt always been on time because I havent always had time to come in. I feel like they are a little underhanded. I have heard all bad things about them and Ive always defend them. This time its my turn to see their true colors.
Product: Debt collection

This debt has been on my account for than the allotted 7 years. According to law, it should be removed.
Product: Student loan

I am a single mother and they wanted me to pay XXXX dollars a month and I 'm not able to pay it and they is not will work with me.
Product: Vehicle loan or lease

On XX/XX/20 I sent a payment {$910.00} from my XXXX online bill pay to Exeter. Exeter deposited the check which was at first returned for NSF, Exeter resubmitted the check it was paid on XX/XX/20. Exeter refuses to credit my account and states the check was returned. XXXX has spoken to them and verified the check was paid, I have sent copies of the check shown as paid as well as my bank statement showing the funds withdrawn from my account and Exeter still maintains they did not receive payment. I have spent hours on the phone with them, tried calling their bank XXXX XXXX who would not help me since I am not an account holder, and have spoken to XXXX several times who claims they can not help because they released the funds to XXXX XXXX. 

It has been months and hours of my time, each month I am charged late fees for Exeter not crediting my account and my credit score has suffered. I dont know what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to remove a Synchrony account from my credit report multiple times. I am a co-signer on the account, and the primary account holder filed for bankruptcy. Synchrony is still holding me responsible for the debt, has notified the credit bureaus of 30 days and 60 days late on payment, and as of XX/XX/2020 charged the account off with a past due amount. 

XX/XX/2020 I received a letter from Senior Specialist from Synchrony Bank 's Corporate Consumer Relations with a number to contact the individual ... I have left several voicemails with the individual, in regards to the account, with none of them being returned. In the letter I was told that " the bankruptcy only removed my ex-wife 's financial obligation toward the debt ; therefore, only her credit bureau report reflects the debt as discharged due to bankruptcy. '' The letter also says they are " unable to delete or modify the status as reported ''. 

XXXX XXXX I attempted to settle the account balance with their collections department, but was told I could not and had to be transferred to the bankruptcy department. The bankruptcy department then transferred me back to the collections department. This occurred two more times before I was told neither department would be able to help me. 

I am also unable to remove the address my ex-wife resided at from my credit bureau files due to this Synchrony account. 

I have over 20 years of exceptional payment history with 15 other credit accounts, 2 auto loan accounts, 2 mortgage accounts, and 9 student loan accounts ; yet I have been unable to refinance my house due to this 1 account, and it continues to negatively affect my credit score and history.
Product: Debt collection

I have a collections account in the amount of {$430.00} that is being reported by XXXX XXXX XXXX in error. 

XXXX bought my account from Synchrony bank in XX/XX/XXXX. On XX/XX/XXXX, I wrote to Synchrony and XXXX asking for the date of delinquency because I believed the debt was to old to be reported on my credit file. XXXX sent a letter, in XXXX, which I dont speak. However I was able to have the letter interpreted and was told that it stated an investigation was being conducted. 

I received two letters from Synchony bank dated XX/XX/XXXX. One letter stated that they contacted the credit agencies and asked for the trade line to be removed from my consumer credit report. The other letter from Synchrony directed me to contact XXXX for any questions. I tried to contact both via telephone to find out the status of my inquiry to no avail. 

I want to know what is the status of my inquiry to both Synchrony and XXXX and when will the incorrect trade line be removed from my credit report?
Product: Debt collection

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 Pay Status >Collection< Estimated month and year this item will be removed XX/XX/XXXX Remarks >PLACED FOR COLLECTION< This is not my account and i never opened any account with this company
Product: Credit card or prepaid card

I signed up for a Best Buy credit card ( through Citi ) in-store in XX/XX/2018. I signed up for the card to save 10 % on a purchase, so when I returned that entire purchase ( defective product ) there was no longer a need for the card. I had to wait for weeks to call due to initial setup, etc. I finally got a hold of the customer service and had them cancel the card. However, I noticed I kept receiving card-holder offers in the mail, indicating the card hadn't been closed. I called back and ... closed the account again. Same thing happened again. Now, for months ( since last XXXX ), I've been trying to get a hold of them to close my account. I call all the time, and every single time I call I get to the point where I'm supposed to get somebody on the phone to cancel the account, wait for 10-15 minutes, and then when it sounds like somebody has just begun to pick up the phone, it hangs up. I'm unable to access the account online. I don't have a physical card. I don't have any way of getting them to close the account. 

This is fraud and I would like to press charges against Best Buy, if possible. I'm willing to pay thousands of dollars to pay for attorney fees to get this going, if somebody can point me in the right direction. I've tried contacting the FBI 's fraud division, but they sent me to CFPB.
Product: Checking or savings account

An auto payment to XXXX was blocked and I was sent a fraud alert. Even after I responded to the fraud alert and received a confirmation from Santander that they received my response, the fraud alert was not lifted and my card was blocked ( see attached alert and response to alert screenshots ). Multiple attempts to speak with the fraud alert team was met with representatives not being able to hear me/ saying the line was not clear. This same issue of being unable to hear me/ delayed response to my concern happened with the fraud alert team when I called them about the previous issue I reported to the CFPB.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a confirmed victim of identity theft, I have provided ample documentation, including FTC Identity Theft Reports and police reports, in previous disputes filed with Experian no fewer than XXXX times over the past several years. Despite prior investigations and confirmed deletions, the following fraudulent accounts and addresses have reappeared on my report as of XX/XX/year> : XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : Account # XXXX XXXX XXXX XXXX : Account # XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX accounts and addresses were explicitly disputed and deleted on multiple occasions, going back several years. The reinsertion of this information after confirmation of fraud is unacceptable and constitutes a blatant violation of the FCRA. Furthermore, it is evident that upon reinsertion, creditors have modified previously reported and validated information or omitted crucial account details, balances, and other information in a deliberate attempt to circumvent previous dispute resolutions. Experian continues to allow the reinsertion of this information which has already been validated as fraud on no less than 10 past occasions further compounding the issues of being an identity theft victim.
Product: Credit reporting or other personal consumer reports

equifax will not remove inquries i never autorized 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 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 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 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
Product: Checking or savings account

XX/XX/XXXX - XX/XX/XXXX. 
Simple bank transition to BBVA. Since the transition on XX/XX/XXXX, I no longer has access to my checking account or savings account. When logging into my account, it says " error occurred '' and " Mobile/Online banking service is locked ''. 
I called XX/XX/XXXX and was on hold for 1 hour, only for the system to hang up on me. I called multiple times, all with the phone hanging up on me. 
I called again XX/XX/XXXX, only for their phone lines to be shut down. 
I called several times XX/XX/XXXX, was on hold for 2 hours total, only to still not be able to reach anyone. 
I am locked out of my accounts and have no access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX Equifax, XXXX, XXXX Re : XXXX XXXX XXXX  accounts To Whom may concern, On XX/XX/XXXX I filed a dispute/complaint through the CFPB pertaining to two fraudulent files furnishing on my consumer report. I requested a investigative consumer report Pursuant to 15 USC 1681d ( a ) done by all consumer reporting agencies by phone and through the CFPB initially pertaining to the two fraudulent accounts. On XX/XX/XXXX Equifax responded back that the account had been either disputed or they provided me with results already. In which both responses are unacceptable. I never received anything. Due to my right to privacy as a consumer being violated Per USC 1681 ( a ) ( 4 ) by furnishing and sharing my information without my knowledge or consent. I filed the dispute/complaint on XX/XX/XXXX ( # XXXX # XXXX # XXXX ) requesting Pursuant to 15 USC 1681i ( 7 ) the description of the reinvestigation method referred to in 15 USC 1681i ( 6 ) ( B ) ( iii ). I requested all documents involved in the reinvestigation. Pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ) if the completeness or accuracy in a consumers file is disputed the consumer reporting agencies shall conduct a reinvestigation to determine if disputed information is inaccurate and record status, or delete the item from 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. I filed this dispute through the Consumer Financial Protection Bureau on XX/XX/XXXX, its currently XX/XX/XXXX. I havent received any description of the method of reinvestigation thats assured to me the consumer in 30 days by Congress. This is very detrimental to me the consumer in these grave times of economical hardships, with all the scrutiny of millions of inaccuracies and non-investigation accusations coming against the consumer reporting agencies from Congress and Consumers alike. As well as its being openly admitted by the consumer reporting agencies of discarding millions of disputes a year without investigation. Discarding any dispute without investigation violates the Fair Credit Reporting Act FCRA. Its already has been reported that CFPB has cited you Consumer Reporting Agencies for accepting insufficient investigation reports from data furnishers without an independent investigation. Which as a consumer, this misuse of power and responsibility is a grave concern to me in these hardship times of economical struggle, scams, identity theft and so forth. I request both fraudulent accounts be deleted from consumer report pursuant to 15 USC 1681i ( a ) ( 1 ) ( a ). Pursuant to 15 USC 1681n theres civil Liability for the willful noncompliance of the FCRA. Which will be my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

well, i found out that in XXXX or XXXX i think i for got to pay my freedom card from chase, ones i paid the whole thing. they told me that i could n't get my freedom card back, because i missed a payment. when i had the freedom card, i was paying everything and on time. one payment that i have n't paid one i paid it in full. they couldnt give me my freedom card. i would want to know if i could get my freedom card back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I called for a free consultation and authorized Lexington law firm to charge my card XXXX cents to run my report. At the end of the consultation I was told my fee would be XXXX a month to dispute one item. I then told the agent Im not interested in there services. He advices me to speak with a paralegal about price on Monday. I thanked him and told him I wasnt interested. On Thursday the XXXX I saw I pending charge. I called 5 different numbers and was not answered. Called from a different number was answered immediately. Explained I didnt want the service was told I wouldnt be charged and I was. Called 3x on the XXXX now there staring they wont refund my money cause its not in five days. Which the XXXX is actually four days not counting Sunday and if Sunday is counting the XXXX makes the 5th day.
Product: Mortgage

I filled out a full application for a loan modification over a year ago and planet home lending hasnt completed it I resumed the process ( after not hearing back in a year ) because I am buying a second home. I was told by the new mortgage broker that my mortgage statement is showing over 300 days delinquent, because of this, I am in danger of losing over {$6000.00} in earnest money, appraisal, and inspection fees I have recently been trying to get this resolved a second time for well over 30 days and keep getting told the loan modification will be completed one Monday then Friday then Monday then Friday and I have {$6000.00} earnest money that I am going to lose that is tied up on a second home I am purchasing because of their incompetence. Also, I have asked multiple times to have a supervisor call me back, but they never call. Also, I have to explain every single time I call what is going on with my account and I am being told that I owe them money and then I dont owe them money and that I missed payments that I actually paid and are having to send over bank statements, just to prove that I made these payments. I also have been told by customer service representatives that the supervisors are too busy to talk to me or are always in meetings every single time we call.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX  about this account repeatedly. This is not my account. This account is not in my name. There is a fraud report in all. AARGON AGENCY XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To CFBB, I want to say in this complaint about EXPERIAN consumer reporting agency, this is not the first time that they have sent me this stall tactic letter that I have attached to my proof. I have had many family members & friends receive the same letter, and they have forced me to learn my consumer law rights put in place by congress ( government ) to protect me as a consumer when it comes to my consumer credit report. Furthermore, what makes it appear that the changes to be made in my personal information has not come directly from me or be authorized by me as you see I have sent proof of my identity and proof of address ( 2 ) etc. Why are they not doing as they stated in their letter, not acting on what I have requested in a certified mail form that I have attached how I sent it to them and try to use the FCRA law out of context. First, I am not asking for a reinvestigation and my directly is by mail so that I could keep a paper trail for any violation action that may be taken so that I can take further action. It is my right and business if I want to use any third party and I know that any a reinvestigation on a dispute or validation is free of charge from what they are stating on their letters. 

They are using 15 USC 1681i ( A ) Procedure in case of disputed accuracy, and its subchapters out of it context concerning me as a protected consumer. Also, in 15 USC 1681s- ( 2 ) Responsibilities of furnishers of information to consumer reporting agencies it in place to go with 15 USC 1681i ( A ). It is my right if I choose to mail in my request instead of calling in and spending my whole day on the phone waiting to speak with the fraud department or visiting their website to upload documents I choose not to do. I am asking that they ( Experian ) be investigated ) for the tactics that they are using against consumers request accurate personal information and disputing and validation of their tactic letters. Again there is nothing that I need reinvestigation with, put what I have stated and request from my letter sent to EXPERIAN TO DO. Also as stated in my personal information I will report this matter to, FTC, CFPB, FDCPA, XXXX etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase bank usa nia XX/XX/2018 unknown inquiring on credit report.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject : Request for Removal of Inaccurate Negative Accounts Due to Identity Theft Dear Sir/Madam, I am writing to formally request the removal of several negative accounts that have been incorrectly reported on my credit report. These accounts are the result of identity theft, during which my personal information, including my Social Security number, was stolen and misused to open fraudulent accounts without my knowledge or consent. 

The following accounts are erroneously reporting negative information on my credit report : XXXX XXXX XXXX Account XXXX : XXXX Charge : Unauthorized charges Date : XX/XX/year>XXXX XXXX XXXX. 
Account Number : XXXX Charge : Unauthorized charges Date : XXXX XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Charge : Unauthorized charges Date : XXXX XXXX There are additional accounts that are attached documents. 

I have already reported the identity theft to the Federal Trade Commission and have attached a copy of my FTC Identity Theft Report, as well as proof of my identity, for your reference. 

As per the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the accuracy and integrity of the information they provide to consumer reporting agencies. Given that these accounts are fraudulent, I am requesting their immediate removal from my credit report to prevent further damage to my credit score. I also request that the furnishers of these accounts be informed that these debts are the result of identity theft, and that they cease all reporting of this erroneous information to the credit reporting agencies.

I have included the Notice to Furnishers of Information document, which outlines your responsibilities under the FCRA, including the obligation to investigate and correct inaccurate information. I trust that you will handle this matter with the urgency it requires and ensure that my credit report is updated accordingly. 

Please confirm receipt of this letter and notify me once the negative accounts have been removed. I look forward to your prompt attention and resolution of this matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX : FTC Identity Theft Report Proof of Identity Notice to Furnishers of Information