23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a secured credit card account with capital one with {$3000.00} of which they pulled from my checking account. They used XXXX Bank as an automatic clearinghouse. They open and closed the account numerous times for what they considered fraudulent activity. I myself along with a representative from the IRS numerous times faxed over and validated all the information they needed, they then would reopen the account let me use it for another three months and then close it again. I continually pay my bill over and over again to the cost of over {$18000.00} in just six months. They then close the account permanently even though I had overpaid the account by an additional {$800.00} owing me at that {$3800.00}. The supervisors told my bank that they would have this money back to me and apologize for any inconvenience that they have caused. I have yet to see anything and when I called to follow up they said I would have to wait and they 're going to take it up there Board of Supervisors and get back to me. My checking account is ironically with capital one 360. Which used to be ING direct the capital one has purchased and I guess is rolling over into just Capital One Bank eventually. This will be a sad day the Capital One is able to conduct even more business on any bank in level. I am also able to obtain affidavits from XXXX Bank as well as Capital One 360.
Product: Vehicle loan or lease

I moved from XXXX  to XXXX  and the State of XXXX  needs Honda to provide them information or transfer title to another state in order to register my vehicle in the new state. Honda hasn't responded and I'm unable to reach anyone at customer service. I've spent 30-40 hours on hold the last 3 weeks and no one ever answers. I've tried calling local dealers and they can't help. XXXX  law says my vehicle must be registered within 30 days by law and I'm not past this timeline and in violation of state law. I've tried faxing, mailing, and calling without any prevail. I need someone to help me, so I can register my vehicle in my new state of residency and be compliant with state laws. Please help.
Product: Credit reporting or other personal consumer reports

Over the past fifteen months I have submitted certified letters disputing the account information reporting of my credit file regarding the credit Item : XXXX. XXXX XXXX XXXX XXXX # XXXX. All three CRA is reporting different information and all three CRA keep telling me that they verified the account information even thought all are reporting conflicting information. The accuracy and completeness is in violation of FCRA Laws : For example 1.Date open different on all CRA XXXX, XXXX XXXX XXXX. Date of last payment is different on al CRA XX/XX/XXXX, XX/XX/XXXX XXXX. Date of last late payment is different on all CRA XX/XX/XXXX, XX/XX/XXXX. 
Account balance is different on all CRA {$XXXX}, {$XXXX} {$XXXX} XXXX. Date account was closed is different on all CRA XXXX, XXXX, XXXX XXXX  # XXXX Experian report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX Date Closed : XX/XX/XXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX DATE Closed : XX/XX/XXXX XXXX  # XXXX XXXX report : Medical Bill Last payment date : XX/XX/XXXX Last late payment : XX/XX/XXXX Balance : {$XXXX} Date Open : XX/XX/XXXX date closed : XX/XX/XXXX All three CRA is reporting different information on the same account and I have be disputing for months and every month each one responded that they have verified the information. 

I have documented all disputes and responded for twelve months to use a exhibits to prove in my FCRA claim of the reporting violations and damages this inaccurate reporting have caused to my credit score.

The accuracy and completeness in credit reporting is the standard. I continuously on a monthly basis disputed this inaccuracies and the CRA willfully and negligently doubled down on telling me in writing that the have verified the account to be complete and accurate.
Product: Credit reporting or other personal consumer reports

Experian.com lowered my fico score XXXX points, and I have no idea why. I haven't had any late payments, no hard inquires, the same XXXX credit cards for years., and I've banked at XXXX XXXX XXXX for XXXX years. Apparently, these clowns think you should have credit cards, but if you use them they lower your fico score.
Product: Checking or savings account

XXXX XXXX but also happen before XXXX to, amount {$420.00} I disputed a claim and been calling to check status ( Bank of America ) they are doing an investigation but Im not happy the way the service is going. No updates or nothing
Product: Credit reporting or other personal consumer reports

I am filing a Formal Complaint Against Experian for Non-Compliance with Request to Remove Incorrect or inaccurate Information from Credit Report. 
I have a serious issue I encountered with Experian. 
Despite my efforts to rectify inaccuracies in my consumer credit report, pertaining to my personal information, I have faced persistent challenges with Experians unwillingness to comply with my requests. 
On XX/XX/2024, I sent a letter to Experian. According to 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports. This Federal law states the following ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I gave Experian instructions on removing addresses that I don't have access to or receive mail and phone numbers that don't belong to me. Experian did not respond to my letter so now I feel that Experian ignored me. To my dismay, Experian has not taken the necessary steps to remove this outdated information, adversely affecting my creditworthiness. 
15 U.S. Code 1681e ( b ) - Compliance procedures. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I have outlined all the information I want removed and provided Experian with a copy of my Driver license and a copy of my SSN and passport and Experian still ignores me. 
I know it is imperative to address this issue promptly to prevent any potential identity theft or further damage to my credit profile. According to the FCRA my information must be 100 % accurate 100 % verifiable 100 % timely.This is a major violation committed by Experian.
Product: Debt collection

This is an inaccurate and invalid collection account placed on my credit report that is not my own. I have sent letters to all XXXX credit bureaus regarding this debt and still continue to see it reporting, this is a gross violation of my consumer rights and under the Fair Credit Reporting Act, I demand that they either furnish documentation verifying this account as my own or immediately remove this file from my reports
Product: Bank account or service

Firstmerit bank is moving items around in the bank account that is causing an over draft fee to be charged after the amount was put in to cover. On XXXX/XXXX/2016 I checked my bank account and showed I had {$17.00} and some change in the bank and all the pending charges had come out of the bank. When checking my account on XXXX/XXXX/2016 it showed that a check had come through after XXXX and caused the account to over draft, I went in that same day and put the money in to cover the amount and when checking my account it showed I was in the positive {$2.00} and some change. Well when checking my account this morning XXXX/XXXX/2016 all the items had been moved around causing the account to overdraft again last night costing me {$35.00} over draft fee. When I checked the account before bedtime last night I was still in the positive and after not using my card at all yesterday the charges that had come through XXXX/XXXX/2016 had been moved to XXXX/XXXX/2016. The way that they are showing in the account is that I had been using my card after the account was bounced but I even opted in to have it that I am not able to use my debit card if the amount that I am trying to buy is more than the amount in the bank. I contacted customer service and they had been no help, the representative was very short with me and did not want to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX, XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$440.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing again because recently I found account that its not mine. Also the most interesting fact here is that only two bureaus reporting inaccurate information. I DO NOT RECOGNIZE IT AND THIS ACCOUNT IS NOT MINE! Once again I write to you because I want you to make investigation and delete it from my report once and forever. You know life is unpredictable today and if we have these issues with error reporting what else we can expect from the life? You know that system is interconnected and I can not simply take loan because this wrong item reporting there. 

PLEASE HELP ME AND REMOVE IT FINALLY!
Product: Mortgage

I contacted Newrez to request PMI removal in XX/XX/year>. An automated message advised that it would take 20 business days to review, but I never heard back from anyone at Newrez. 

As this is an unnecessary expenditure, based on my loan balance, I would like PMI removed and the additional insurance charged since I initially contacted Newrez. Thank you for your assistance with this.
Product: Debt collection

I cosigned for a private student loan through XXXX XXXX that was later transferred to navigate the primary borrower default it on the loan I was contacted at eight years later that the loan is in default and asked to make a form of payment. The debt collector was called consumer collection services they made agreement with me stating that if I paid {$300.00} I could have my name removed from the loan and I would no longer be liable I have documentation that I have fulfilled my portion of this I am now in a small claims suit against a different debt collector for the same dead and they are garnishing my wages for the full amount of the loan which is {$2900.00}. I have already contacted them and provided them with the information and copies of the letter showing that I have satisfied my end of the dead yet they still pursue legal action against me. No I have lost 25 % of my income which I can not afford and I do n't know what to do. If requested, I can provide additional copies of said agreement that removes me from this debt.
Product: Debt collection

Midland Credit Management purchased an old disputed debt from somewhere and started to aggressively try to collect on it. They called on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 with multiple calls through out the day to multiple people. They have started contacting my friends, my next of kin, with multiple call attempts through out the day to them, not just me. They have called from known numbers and from " Anonymous '' phone numbers. They have shared private personal financial information with third party about me, and about this old disputed debt. They have violated privacy laws. 

I have submitted complaint # XXXX and XXXX about this matter, but it seems that CFPB is not for protecting me, it is unacceptable. The main point of contestation is that Midland Credit Management representatives called and discussed my debt and the collection efforts with my next of kin. That complaint got lumped together with the other and there was no action or resolution to my satisfaction. The company responded by providing statements from the original lender. That is not what is the issue at hand. Yes, I have had dealings with the XXXX XXXX clothing store credit card. That is not what I was complaining about. The representative from CFPB sent me those and closed out the case after Midland Credit furnished those to CFPB. What about the infraction of federal laws that prohibit aggressive collections tactics, calling several times through out the day?? What about the prohibition of discussion of the matter with third-parties?? My rights have been violated and the only thing I got from CFPB is that Midland Credit dug up some old statements and sent them to CFPB. That is unacceptable. Yes I have had dealings with that clothing store and their credit card, but I disputed the amount owed with them directly when I returned merchandise to XXXX XXXX, and then disputed the amount owed when I was not given credit for refunds for the merchandise and clothing brought back to the store, that is all irrelevant for the complaint here... I am petitioning that CFPB levy fines for the infractions of violating federal law of privacy and the tactics. My friends and family can and will attest to the fact that Midland Credit representatives called and discussed the matter, back in XXXX when I was avoiding their calls and sending cease-and-desist letters. Their representatives violated my privacy and violated federal laws at that time.
Product: Checking or savings account

I purchased 2 sets of 3-piece luggage from XXXX for a total of {$410.00} ( {$200.00} each ). One was delivered on XX/XX/2020, the other was never delivered. The XXXX tracking information for the missing item confirms that it was never delivered. I contacted XXXX on XX/XX/2020 and they refused to provide any assistance. I attempted to resolve with XXXX on XX/XX/2020 and they refused to assist. So I filed my dispute with PNC Bank against the charge to my debit card. I filed it on XX/XX/2020 through their online banking submission form. I provided them with the dates and tracking information confirming that the merchandise was not received. Their online system did not allow me to select the partial amount of {$200.00} so the claim was submitted for the full amount of {$410.00} and I included an explanation in the body of the form that I was only disputing {$200.00}. I received a credit for {$410.00} to my account several days later. Two weeks after that, I received a letter in the mail asking for all the same information I already provided. This letter also stated very clearly that if I did not fill it out and return it, they would use the information I have already provided. Having already provided every detail they could need, I did not return the letter. As a result, my claim was denied and my account was charged the {$410.00} again. When I contacted PNC to re-open the claim, they advised they would re-send the letter and to fill it out and return it. I received no repeat letter. Instead, 30 days after I reactivated my dispute, I received another letter denying my claim. When I called and escalated the dispute to a manager, the only explanation I was provided was that because I did not sign and return the letter, they closed my claim. Even when I explained that their own letter included the statement that they would use the information I already provided, the " manager '' simply repeated himself over and over. It was at that time I realized they would be no help in protecting me and my financial interests. So I informed them at that time I would be filing a complaint with the CFPB and that I wanted it on record that I was filing said complaint because of the misinformation they provided on their own paperwork. I am aware of the requirements for a valid Visa dispute code XXXX for non-receipt of merchandise. I contacted my bank well within the required timeframes and provided them with all of the required information to file a valid dispute against XXXX and pursue a chargeback against which the merchant had no valid argument. I believe that the only reason PNC did not pursue my claim is that they did not take action promptly enough to be able to file the claim within the dispute timeframes to recover the funds from XXXX.
Product: Debt collection

Early year 2019 to present I've been working disputing an item on my credit report that I have no knowledge of ever having. I have asked for specific documentation, validating my signature that I owe this debt to this collection agency. Each time on their response they have failed to provide supporting documentation to me as requested and illegal marks my credit report as verified information which has not been verified.
Product: Student loan

I recently received an updated payment schedule for my loan and I need to understand the information you provided. 


Point 1 ) On XX/XX/XXXX statement my balance was {$80000.00} + {$1300.00} in accrued interest for a total of {$81000.00}. 

Since I paid {$3100.00} since XX/XX/XXXX, it leaves me with a balance of {$78000.00} which shows on the XX/XX/XXXX statement. 

However you wrote to me in XX/XX/XXXX that I had 120 payments left at {$940.00} a month and my estimated interest over the life of the loan was {$32000.00}. 

On XX/XX/XXXX you still show 120 payments remaining at {$940.00} per month and you estimate my future interest payments at {$34000.00}. 

That is an increase of {$2500.00} in interest!! 

How is it possible that the full amount of my interest over the life of the loan is increasing even though I am making payments and no interest is being added because there has been a freezing of interest on the student loan by the Federal government? 

Point 2 ) In addition I had previously requested, in my email on XXXX XXXX to the XXXX, an amortization schedule showing how my monthly payments are being applied and how the interest is being calculated. What interest rate am I really paying!! I am entitled to transparency. XXXX, a Loan Servicing Specialist responded via letter and writes " We are unable to provide calculations regarding how this payment was calculated '' That is absurd! 
I need an amortization schedule. 

Point 3 ) I did my own amortization schedule and based on the principal, payment amount, and 120 months the interest rate was almost 7.85 %!! That is exorbitant and way above current market conditions. I need to reschedule the loan at a lower interest rate or forgiven. 

Point 4 ) My XXXX student loan was {$80000.00} and you deducted 4.248 % as origination fee and on my XXXX loan of {$20000.00} you again deducted about 1 %. So you lent me {$100000.00} total but you only gave XXXX {$96000.00} a difference of {$3600.00}. You also charged me accrued interest {$1300.00} on Loan # 1 and {$310.00} on loan # 2!! totaling {$1600.00} while I am still in school ( I have not graduated as yet ). Also even though I am making payments my interest seems to be increasing. I needed help to be able to further my career and I am left with a toxic loan that doesn't allow me to follow my dreams. 

As I am just about to start my career with the tools that I learned at XXXX over the last 2 years, you have really made my life unnecessarily difficult by charging me so much at this crucial time in my career and at an important moment in the history of the United States as well. My income is very low and I am having difficulty making ends meet. I need some large help with the loan repayment. Please respond with compassion by providing me a plan that takes all this into consideration and affords me a way to create a path for success. 

Thank you XXXX XXXX XXXX
Product: Debt collection

I called in today ( XX/XX/23 ) to pay a debt. The total on the bill states the total is {$320.00}. XXXX XXXX said the total was actually around {$320.00} and some odd cents. She said that there is a daily recurring interest, but that was not stated on the bill. She said that I owe {$320.00} and not {$320.00}. She was very rude when I asked if I paid online would I not be charged the {$2.00} plus. She said no and rudely hung up. I only paid {$320.00} online because I don't trust her to process my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. XXXX  XXXX XX/XX/XXXX XX/XX/XXXX {$5000.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$500.00} XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XX/XX/XXXX {$6100.00}
Product: Consumer Loan

I purchased a vehicle from drivetime. In XXXX I could no longer pay for the vehicle. I voluntarly gave them the address in XXXX where the vehicle was located. They picked the vehicle up shortly afterwards. They have it listed on my credit report as involuntary repossesion. They are falsely reporting information on my credit report. There is no way they could have known where the car was located unless i told them. Reason being my son was driving it down at school at XXXX. My address and address on my loan application is for XXXX NC. When I told them where the vehicle was my son removed his belongings from the car. I spoke with a gentlemen today XXXX XXXX at Drivetime finance he read in the notes it was voluntary. As soon as I informed him that it was listed on my report as involuntary he quickly changed his story.