23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I've had an " Unsecured - Variable Rate ( Fixed Margin ) '' of $ XXXX for over 14 years years and have been paying it off regularly. 

Today, I find that I can no longer draw down on the credit line and that I am expected to pay off a balance of approximately $ XXXX at an unknown rate of interest. 

How can they do this? 

What are my options? 

What if I am unable to pay it?
Product: Credit card or prepaid card

1. While on vacation at a Wyndham resort the latter part of XX/XX/XXXX, my husband and I were pressured into signing a contract with Wyndham at which time this credit card was offered. After a short period of time and within the grace period we rescinded this contract. On XX/XX/XXXX I called to cancel this credit card less than 2 weeks of opening this card thru this Wyndham Resort. There is record of my telephone call with Barclays.

2. Over a year later, on XX/XX/XXXX I learned of a charge on this credit card ( via email sent to my husband, not me ) from Wyndham Vacation Resorts of {$59.00} which later I learned was an annual fee of being a Rewards Member. I also learned this card was never cancelled but instead a hold was placed on the card. I asked again for this card to be canceled. 
3. This card was destroyed and never used for any purchases. I do not know the account number nor have access to online.

4. I have been in contact with Wyndham Rewards and Barclays Credit Card numerous times without resolution. Again, I am learning Wyndham Rewards are still charging this Wyndham Barclays credit card this annual fee. Now, it has effected my credit score. I am in desperate need of your assistance.

5. Im unsure of how the amount past due is {$120.00} considering Ive been fighting this for 3 years now. It seems that in XXXX it was possibly cancelled but then 2 more years of fees has been added. 
Please see attached recent email I received from this company as well as he email I sent them in XXXX. 
Thank you.
Product: Mortgage

I use PennyMac for my home loan, account XXXX. During the pandemic, I opted for mortgage relief in the form of forbearance. This lasted for approx. 15 months. Each month, I would check in and verify that the forbearance was still needed. The approximate unpaid mortgage at the time that the account entered forbearance was XXXX. Once my finances were back in order, I opted to defer these payments to the end of the mortgage. Undenounced to me, during this time I was incurring debt with PennyMac. These fees and/or interest was never discussed, authorized, or disclosed to me in any way ( again, I checked in at least 15 times where this was never brought to my attention ). At the conclusion of the forbearance, PennyMac shows that I owe approx. XXXX on the loan. I believe this XXXX XXXX dollars was added to my account under false pretense, without my knowledge or authorization. I called the company and spoke to a representative who said I was still collecting interest during the forbearance.
Product: Credit card or prepaid card

On XX/XX/XXXX, Capital One sent me a notice that told me they were closing my account ending in XXXX. The only reason they gave is " this or another account is not consistent with our expectations for account usage and violates the Capital One Customer Agreement ''. I did not violate the Customer Agreement and this is discrimination. They are not allowed to close my account because it doesn't meet expectations for account usage. The notice said " Please stop using this account immediately and destroy any cards and checks associated with it ''. They advised me in this notice I am responsible for any balance there is. 

This is discrimination against me as a consumer and is in violation of 15 USC 1691 for closing my credit card account and denying me credit when applicant, myself, was in good faith and exercised my right. This is also in violation of 15 USC 1642, USC 1681, and 12 CFR 1002a, a creditor shall not refuse to grant an individual account to a creditworthy applicant. Capital One violated 15 USC 1691d ( 2 ) ( B ) because they took adverse action against applicant and they did not give proper written notification of adverse action which discloses proper information as stated in this law. They also violated 15 USC 1691d ( 3 ) because they did not provide a statement of reasons for the adverse action taken that contains SPECIFIC reasons for the adverse action taken. 

I sent two notices to Capital One requesting detailed information on why they turned off my credit card account and what exact part of the Customer Agreement they claim I violated. I did not receive any notice or information with my requests. Capital One ignored both notices. The first notice I sent them was on XX/XX/XXXX and the second notice was on XX/XX/XXXX. The second notice I also send an affidavit of fact to them along with an invoice for them to reimburse me for damage caused and penalties for violating my rights. As of today they have not responded. I am seeking my credit cards be opened again and usage immediately and my billed invoice be paid to me by check within 10 business days of them receiving this complaint. 

I am an XXXX XXXX XXXX XXXX XXXX XXXX and I use this credit card account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I lost significant revenue for two times my truck was in need of repair and I was not able to get it fixed due to not having this card. Not only did this cause a loss of revenue but a lot of unnecessary stress and XXXX According to 15 USC 1691e, Capital One is liable to pay applicant {$1000.00} per violation and {$10000.00} in punitive damages.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX XXXX XXXX2023 XXXX XXXX XXXX XXXX2022 XXXX XXXX2023 XXXX XXXX XXXX XXXX2023 XXXX XXXX2023 XXXX XXXX2023
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXXXXXX ( also known as XXXX XXXX )/ XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX XXXX XXXX XXXX XXXX  t understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have already disputed this amount with XXXX. I was seen on XX/XX/XXXX which was a Saturday. They billed my insurance for {$10000.00} for a in house XXXX  a doctor that had no idea what he was dealing with he was told by me to treat with XXXX he gave me XXXX XXXX. Then XXXX was before knee. He sent me home I returned to ER less then 30 hrs later with XXXX at knee he order another XXXX which was unnecessary and gave me a XXXX XXXX XXXX, XXXX XXXX that did nothing for XXXX. Sent me home and billed my insurance {$16000.00}, then I was XXXX on XX/XX/XXXX cause the XXXX got mid thigh and XXXX XXXX controller doctor came in and started a XXXX  XXXX XXXX   XXXX to fight it. If the doctor what of done his job it could have been stopped the first night but they racked up the bill. I'm willing to take this to court for Mal practice. And until it's resolved with your client I demand you remove these accounts from my credit report or I'll involve cac in any suit that get start. Go head I give you permission for the whole medical report from XX/XX/2018 to the XX/XX/2018. Get  complete itemized statement as well and please send them to me. But I promise before I let you destroy my credit over a bill that should only be about {$2000.00} and the charge XXXX for I will sue everyone one involved. Fill free to contact me by mail I have a new address since visit. To make this easy for you to understand an outside Doctor came in and was paid. The XXXX   was done by XXXX XXXX and was paid. XXXX only provide a doctor the first time and pain medicine. But there billing as if the provided every thing. I am going to get my insurance involved in all this I will get the FTC involved the attorney general involved there frauding the insurance and there getting you opress me through my credit report to pay there's will go to state court I'll take you to federal court under the FDCPA. Please get and review information from your client before you proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/XXXX i looked at my credit report and saw a account that did not belong to me i sent the credit bureaus the information the the account was not mine the did not reply the account was from XXXX XXXX, XXXX XXXX in the amount of XXXX on XX/XX/XXXX i was in XXXX at the time the account was open
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount 2,500 is being stated on my credit bureau that is owed to XXXX XXXXXXXX XXXX XXXX XXXX this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. XXXX XXXX XXXX has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies
Product: Credit card

This credit card company is reporting me as a charge-off account on my credit. This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/XXXX I was directed by XXXX XXXX XXXX to contact XXXX, ( a debt collection servicer ) to pay off a balance on my credit report that is in collection. XXXX rep n I struck an agreement to delete the faulty account if I could pay XXXX which is less than what they said I allegedly owed. So I made the payment n was told XX/XX/XXXX the account would be removed from my Credit reports. 

However, what has happened is XXXX has updated the amount to XXXX owed from XXXX owed n wont talk to me. It is now in May n my credit report is still affected n I have incurred damages n been denied credit to leverage out of my situation. 

XXXX know that the promised to have this resolved and send me a written letter but they have not done so. As of 2 days prior I was promised a email which I did not receive.
Product: Money transfer, virtual currency, or money service

I have used Venmo for years without any issue. I use it to pay/receive money with friends and family. I have never had any fraud issues. On XX/XX/year> I saw an email from them saying my account was permanently closed due to a violation of their terms of service. This made no sense to me. Right after that ( both time stamped at the same exact time ) I got another email saying they needed me to upload my drivers license for verification so my account could be verified. I did that right away. Today on XX/XX/year> I receive an email saying they arent changing their decision to close my account and that I can not open a new one. When asked to why and what part of the terms of service I violated they stated they can not tell me that information so I cant even defend myself or ask that they look at my account again. I have several amounts of money that are scheduled to be put in there that will get kicked back and I have no way of changing that info with some of the companies or people depositing. I simply want to know what I did wrong and since Im confident I didnt do anything Id like my account reinstated.
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. 

FOR XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX ( Original Creditor : ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX FOR EXPERIAN : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

After paying Satander USA for nearly 3.5 years on a contract/agreement that I signed for a XXXX used XXXX XXXX back in XX/XX/XXXX. I thought I was honestly doing something good because at the time I put down {$1000.00} and I had a co signer. But the company took advantage and after nearly 4 years the told me I still owed almost {$12000.00}. The vehicle at the time was {$12000.00}. Keep in mind it had nearly 90,000 miles on it. Since doing a voluntary repo on the vehicle Santander has been reporting inaccurate information to the credit agencies. I havent been able to get the company removed from at least 1 credit agency. They had made it nearly impossible to do anything because for the longest no company would finance me for anything. It seems they had hidden fees that we didnt know anything about. Obviously after signing a 48 month contract with them and having the vehicle for nearly 3.5 years and still owing the original price for the vehicle something is going on. The company should be shot down and anyone with issues should be some type of harassment settlement. They called even after doing the voluntary repo in the vehicle to me and my co signer telling us that they would begin garnishing our wages and making threats to us both. I didnt know the laws at the time and that was after we gave the vehicle back.
Product: Checking or savings account

I tried reaching out to customer service and the security team at chime to either close or get XXXX to my account. After following their protocol and send my id with photos of me standing in a pose with that days date and time yet they refuse me access to my funds. I'm asking for the situation to be resolved immediately or I will sue
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 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 XXXXas Violated my rights . 

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an 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 the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda Financial Services Account # : XXXX VIN Number XXXX Dear Sir, My payment was late once with Honda for more than 30 days but i was not informed that they are going to make account delinquent. when i found out it was already on my credit report. which significantly affected my credibility. i explained to honda financial service by phone that i was travelling international thats why could not pay in time. but they said it will stay current. please help me remove this from my account. i have attached my recent statement for your reference. thank you
Product: Payday loan, title loan, or personal loan

This company was written and received a certified letter on XX/XX/19 after this company called me at my workplace. In the letter I instructed the company that I was not allowed calls at work and that they could only contact me via mail. The certified letter was signed and delivered back to me. They have since continued to call me as well as my references multiple times. I have sent a second certified letter as of XX/XX/19 instructing them to not contact any of my references nor me, that they are to only contact me via mail. They continue as of today to call my cell phone multiple times.
Product: Vehicle loan or lease

Bought a car in XXXX of XXXX of XXXX a used XXXX XXXX XXXX XXXX. The amount for the car was XXXX $ plus a warranty package that I didnt know in the amount of XXXX . I see 2 problems here, one is a he overpriced amount for the car being a used XXXX with XXXX ( ish ) miles, since the market value is way below than XXXX , and this warranty package that put my payments higher than I need that I dont know about, they told me that my payment would be XXXX but didnt told me that I had the option for this package.
Product: Checking or savings account

Bank of America close my account with no warning. 
They did they'd send check in mail for both checking and savings accounts. 
After over a month of waiting I called the bank. 
They told me check was in mail and they couldn't reissue until it returned to them and only then can they stop payment. 
This will be after 120 day wait. 
I called again afew more times to check if check was returned. 
I was told it was due to address being wrong in file. Yet I've received 4 pieces of mail from them in the time I'm waiting on cashiers check for my accounts. 
Then i was told twice that check was returned and they'll reissue. Yet when I don't receive and call back they say no check never returned and I have to wait the full 120 days to see what happens and only then will they stop payment and reissue. At which time this same problem is likely to occur again.
Product: Credit card

I am writing to formally request the removal of an unauthorized inquiry by Bank of America from my XXXX credit report. This inquiry was conducted without my consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( a ) ( 2 ). 

Details of the Unauthorized Inquiry : Company Name : Bank of America Date of Inquiry : XX/XX/year> Credit Reporting Agency : XXXX Legal Basis for the Request : According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report if it is " in accordance with the written instructions of the consumer to whom it relates. '' I have not provided any written instructions or consent for Bank of America to conduct a credit inquiry on my XXXX report. This unauthorized inquiry violates my rights under the FCRA.

Additionally, 15 U.S.C. 1681c ( a ) ( 1 ) mandates that inaccurate or unverifiable information must be removed from a consumer report. Since this inquiry was neither authorized by me nor conducted for a legitimate purpose, it qualifies as erroneous information and should be removed immediately. 

Impact of the Unauthorized Inquiry : The unauthorized inquiry by Bank of America has negatively impacted my credit score and overall creditworthiness. It reflects incorrect and misleading information on my credit report, which can hinder my ability to secure credit and other financial services. 

Requested Action : I am requesting that the CFPB investigate this unauthorized inquiry and ensure its prompt removal from my XXXX credit report. This action will help correct the inaccuracy on my report and mitigate any further adverse effects on my financial standing.
Product: Debt collection

IC Systems XXXX, MN XXXX Receiving calls from XXXX Letter sent states account # XXXX IC ref # XXXX They say I owe {$4200.00} collection on a XXXX phone bill I did not open or order the XXXX I phone XXXX phones, on XX/XX/2017. 

I am reporting this as fraud. 

Thank you, XXXX