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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name : 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 US DEPT ED XXXX XXXX US DEPT ED XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was out of the country using my debit card for a taxi ride. the taxi driver charged my account XXXX and XXXX seconds apart from each other. I was unaware of these charges and continued my day until I went to lunch and returned to the airport in a different taxi cab to find out my card was denied. I called my bank, advised of the fraud and had them shut my card off. Hours later, I got home from my flight, saw the fraud on my computer and called my bank and open a fraud case. The fraud case was open for a month and a half and I was just advised that the fraud case was denied because my card was directly used. 
They are telling me theres nothing they can do Theyll provide no other further information and they will not do any further research into the fraud and basically stole my money again
Product: Credit card or prepaid card

My Penfed credit card information had been stolen and the suspect had used it to commit a number of fraudulent transaction on XX/XX/XXXX. Five of the transactions had been denied, but two of them had gone through. All of the transactions had occurred in the same area in XXXX, CA and at around the same time. I then received a call from Penfed that morning notifying me that there were some fraudulent charges on my credit card account, so I called backed to let them know that I had not initiated those transactions. They then issued me a new card and started a fraud case. 

However, a few days later Penfed notified me that the fraud claim had been denied on the basis that the card was present at the time. I do not see how this could be possible because I know for a matter of fact that I was in my apartment in XXXX, CA at the time the fraudulent transactions in question took place ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX {$40.00} and XXXXXXXX XXXX {$300.00} on XX/XX/XXXX ) and my credit card was with me at that time. Penfed also believed that my friends or family could have used my card, but none of my friends or family live with me nor have access to my apartment. I was the only one inside at the time. When I checked that morning on XX/XX/XXXX, the card was where I had always kept it. They also claimed that I had set up a cash advance PIN, which I did not do. Furthermore there was another transaction at the same location at XXXX XXXX for {$40.00} that had been denied due to suspected fraud. 

The suspect had initiated all of the fraudulent transactions at around the same location and at around the same time so I'm not sure how any of those transactions could possibly not be fraudulent.
Product: Payday loan, title loan, or personal loan

I have this account that was suppose to be with 0 % in paid off at a certain time. The interest rate and fees was different that I supposed when I purchase some items. 

I got sick with the virus. Afterward, I went back to work and soon lose my job because of the Corona virus. I called the credit company and tried to keep them updated on my situations at least twice per month. It has been 9 weeks since I applied for unemployment in XXXX. I am still waiting to receive my unemployment money. 

I was told that there was no " Hardship program '', or help that they could give me to meet my present budget, lower my interest rate, or remove the high monthly late fee. My credit card line of credit has been reduced.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Bank of America which was settled with a charge off. I paid XXXX in XX/XX/XXXX at which time the account was closed and the remaining balance was charged off. This would make this account XXXX years old in XX/XX/XXXX. I have called Bank of America and filed a dispute with all of the major credit bureaus ( XXXX XXXX, XXXX and XXXX. ). XXXX and XXXX said they will not consider deleting this bad debt from my report until XX/XX/XXXX. Bank of America has not provided any potential dates to have this removed.
Product: Credit card

On XX/XX/year>, I logged onto the XXXX XXXX website to purchase round-trip tickets for a flight to XXXX. As part of the purchase process, there was an offer to apply for a Citibank XXXX XXXX Advantage Credit Card. By doing so, I was told I would get a {$200.00} credit. I applied for the card and received an approval email. However, before I could complete the transaction I was cut off from the website. I went back in and re-entered all my flight information. When I reached the section for the payment there was no record of my approval. I called XXXX XXXX and was told by a supervisor there that I had to speak with Citibank. When I called Citibank, I was told that, unfortunately, NO ONE IN THE ENTIRE MULTI-BILLION DOLLAR INSTITUTION could provide me with the temporary card number to complete my transaction. Their website only shows a truncated card number with just the last four digits showing. No one could provide it! I asked for a supervisor and after holding for quite some time I was informed by him that there was nothing ANYONE in the company could do and that I would need to pay for the tickets with another credit card, even though they had pulled my credit and approved me FOR THAT SPECIFIC TRANSACTION! What if I did not have another card? They pulled my credit based on the offer they advertised and approved me, but then did not allow me to complete the transaction they advertised! I will NOT receive the bonus and they have a {$99.00} annual fee on top of it. This is unacceptable. The Supervisor, XXXX who said that his ID # is XXXX, said that I should simply " move on and use another card! '' He kept talking over me and would not allow me to even tell him the details of the experience. I, thus, was not able to complete the advertised transaction after applying and getting approved! This is false advertising, and a multi-billion federally Insured financial institution should have processes in place when making offers like this, Also, nothing in my approval e-mail indicated what interest rate I was approved for! They advertised a range. When I was approved, they should have told me the rate I was approved at so I could accept or decline! At their level, they really should have all these things down, and a Supervisor should have been able to help. I was told that I had to write a letter and send it to a XXXX XXXX at Citibank in XXXX XXXX. None of this helped me purchase the airline tickets I was promised I could purchase in real time. If companies are going to make offers like that they should be responsible for carrying through. I need to know that they will be held accountable for this.
Product: Vehicle loan or lease

I purchased a car through XXXX XXXX back in either XX/XX/XXXX or XX/XX/XXXX. I made all of my payments on time. In XX/XX/XXXX, I claimed bankruptcy. When the company got notice from the court, they shut off my access to my account. I continued to make my payments on time and signed a reaffirmation agreement. I called in XX/XX/XXXX, because I could not access my account. I was told that I had to wait until the bankruptcy was discharged, to have access to my account ( statements included ). My bankruptcy discharged in XX/XX/XXXX. I called in XX/XX/XXXX to find out why I still could not get access, and was told it could take up to 3 months for them to get the discharge information. I called again today, XX/XX/XXXX because I am still unable to access my account, and XXXX XXXX still hasnt reported my payments to the credit bureau. I was told today, that unless my bankruptcy was terminated, which to my understanding, is a dismissal, which will not happen because its been discharged, I will not have access to my statements or account! I signed a reaffirmation agreement for the sole purpose of the company reporting my payments to the credit bureau, to help rebuild my credit. I have no information such as account numbers, or what is left to pay on my loan, or how much of the {$510.00} a month is going to interest or principle, to supply with this complaint because they will not give me a statement or anything.
Product: Payday loan, title loan, or personal loan

I saw this derogatory claim from Midwest Recovery Systems for a payday loan that i never took out on ( XXXX XXXX, 2016 ) XXXX claims is {$820.00} ; but Midwest doesnt have a original amount of the said debt or a contact number from the original creditor. 
After doing several research have found out its a scam. However they want me to pay them to delete it. I simply told them that if they didnt remove this from my credit i would be suing them for violation of the FCRA and i would be filing a complaint with the Police and i got hung up on. I want this removed from my credit.
Product: Checking or savings account

In XX/XX/XXXX I had three days within a six day period of fraudulent activity in my account. On ( XX/XX/XXXX ) I noticed transactions that I did not initiate in the amount of around {$300.00}. As soon as I realized it that morning I contacted Chase and cancelled my card. A claim was not even necessary to make and they credited the money back into my account within hours. 

Two days later ( XX/XX/XXXX ) I received a notification asking me if I was initiating a {$100.00} payment to XXXX 's. I responded no. After looking at my account I then realized that 5 transactions in the amounts of {$200.00} were made to XXXX ( 4 in Indiana, 1 in Idaho ). I live in Georgia and did not initiate these transactions. I was perplexed as I had not even received my new debit card in the mail. I immediately contacted Chase, and they transferred me to the claims department where I made a claim. 

The next Monday morning ( XX/XX/XXXX ) I realized that another 4 transactions to XXXX in the amounts of {$200.00} I did not initiate were taken out of my account. Again, I immediately contacted Chase, made another claim, and decided to go to the bank. 45 minutes later before I even went into the bank those funds in the amount of {$800.00} from the claim of that morning were credited back to my account. I spoke with a manager and he recognized all these transaction as fraudulent. 

Within a few days the outstanding of {$1000.00} from the previous Friday night were " temporarily '' credited to my account. Fast forward a week and or so and that {$1000.00} claim was reversed ( money taken back out of my account ). I immediately contacted chase was directed to the claims department and they told me that based on their investigation they could not prove that it was fraud. Furthermore, they put the responsibility on me to send them " proof '' that it was fraud. I inquired what information I would need to research and they did not give me any clear response. The claims representative would not connect me to a manager and only gave me a fax number or address to send the " proof '' I found that I did not initiate the transactions. 

I then went into the bank to talk with the representative I spoke with weeks ago. He called the claims department himself, communicated with them how obvious it is that the transactions were fraud, and the verdict remained the same. It would be my responsibility to reach out to XXXX and acquire proof from them that I would then need to send to my bank just to reopen the claim. 

I contacted XXXX and they were unable to provide me with any receipts or any information at all. Im taking action by reaching out to you in hopes to resolve this matter.
Product: Checking or savings account

On XX/XX/2020 I noticed a transaction for {$290.00} from XXXX XXXX was pending in my citibank checking account that was initiated on XX/XX/XXXX. I did not recognize the charge and when I contacted Citibank on XX/XX/2020 they told me I would need to wait until the transaction cleared before I could file a dispute in the meantime they did close my debit card. XX/XX/XXXX the transactions for {$290.00} posted to my account I filed a dispute immediately and was told that I would receive a temporary Credit in 10 days if they had not come to a resolution. About three weeks later I still did not receive any provisional credit upon contacting Citibank they told me that I need to file a new dispute that this one was overlooked so I filed another dispute for the {$290.00} again I waited about 30 days with no response or provisional credit I contacted Citibank again just XX/XX/XXXX was told that I needed submit the dispute in writing which I did by fax and email. At this point my Citibank account had gone into the negatives they've accrued numerous fees because transaction in CitiBank closed my account with out warning because of a negative balance. The negative balance was due to service fees and I refuse to deposit money into an account until I received a response from my dispute I filed 3 times
Product: Vehicle loan or lease

My son took out a loan for a car with his credit card from XXXX XXXX XXXX  and now the loan name is under mine because we both have the same name under XXXX, now i cant take out a loan because my bank XXXX XXXX XXXX wont give me a loan because they think i took a loan out.
Product: Credit reporting or other personal consumer reports

I financed a used vehicle from XXXX XXXX XXXX in XXXX and I was aware that I was financing for the amount of XXXX. I have yet to get an update on my credit report. they are reporting late payments when i have made XXXX on time payments which is more than the cost I agreed to finance. I have contacted XXXX XXXX, and they told me that my contract stated that I owe XXXX, which was not what I agreed to. I have been frauded of an auto loan. My signature was forged on a separate contract that I am not aware of I didn't agree to an auto loan for XXXX and I am aware of the violations of the TILA ( truth in lending act ) an XXXX XXXX is in violation of, Lenders have to provide borrowers a Truth in Lending disclosure statement. It has handy information like the loan amount, the annual percentage rate ( APR ), finance charges, late fees, prepayment penalties, payment schedule and the total amount youll pay. 
If a disclosure becomes inaccurate because of an event that occurs after the creditor delivers the required disclosures, the inaccuracy is not a violation of this part, although new disclosures may be required under paragraph ( f ) of this section, 1026.19, 1026.20, or 1026.48 ( c ) ( 4 ) .Creditors must re-disclose terms or costs on the Closing Disclosure if certain changes occur to the transaction after the Closing Disclosure was first provided that cause the disclosures to become inaccurate. There are XXXX categories of changes that require a corrected Closing Disclosure containing all changed terms. ( 1026.19 ( f ) ( 2 ) ) Changes before consummation requiring new waiting period. If one of the following occurs after delivery of the Closing Disclosure and before consummation, the creditor must provide a corrected Closing Disclosure containing all changed terms and ensure that the consumer receives it no later than XXXX business days before consummation. ( 1026.19 ( f ) ( 2 ) ( ii ) ; Comment 19 ( f ) ( 2 ) ( ii ) -1 ) The disclosed APR becomes inaccurate. If the annual percentage rate ( APR ) previously disclosed becomes inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected APR disclosure and all other terms that have changed. The APRs accuracy is determined according to 12 CFR 1026.22. ( 1026.19 ( f ) ( 2 ) ( ii ) ( A ) ) The loan product changes. If the loan product is changed, causing the product description disclosed to become inaccurate, the creditor must provide a corrected Closing Disclosure with the corrected loan product and all other terms that have changed. ( 1026.19 ( f ) ( XXXX ) ( ii ) ( B )
Product: Debt collection

The company Ncb has been calling me about making a payment for a loan that I did n't apply for. The amount is {$3900.00}. I would like this issue resolve because it 's lowering my credit score tremendously. The phone calls started in XX/XX/XXXX and have been done on a daily basis ; several times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX last four of account number XXXX. 
There is to much incorrect information on this account. All of this incorrect information is hurting my score. 
It is showing as a charge off but is showing a balance and a past due amount which should not show if it is in collections. Also the date of the last payment is showing on XXXX at XXXX but on XXXX and Experian it's showing XXXX. Also the date last active is different on all three.
Product: Credit card or prepaid card

During the. Of time between XXXX and XXXX of this year SchoolsFirst continues to close and display negative information on my credit accounts stems from unauthorized charges by what looks like my ex girlfriend. SchoolsFirst violates the fcra set in place to protect consumers who are victims of identity theft and fraud and should honor all rules and regulations set forth tllby the cpfb re the manor
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed multiple accounts on my report that I do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I have contacted Ally as it relates to a consumer credit transaction that took place as the XXXX XXXX on XX/XX/XXXX. 

My, ( the consumer ) initial contact with Ally was with a " billing statement, '' for the alleged debt associated with the consumer credit transaction made between the consumer and XXXX XXXX. 

I have since discovered a billing error. To correct the billing error, I contacted Ally Financial by ways of mail and lawfully requested that Ally Financial Inc. provide documentary evidence of the account, the original agreement bearing my ink signature, as well as other documents. I, the Consumer is not in receipt of these documents.

Following my request for these documents, Ally Financial Inc. sent a notice of default for the alleged debt that was under dispute as of XX/XX/XXXX, ( the date ALLY received my notices ). Ally threatened, myself ( the consumer ) of taking possession the vehicle which is inequitable and impracticable, and act as adverse actions towards the consumer.
Product: Credit card or prepaid card

Comenity Bank took over from XXXX. Commenity sent a statement without any supporting information noting a vendor, sale, date, purchase amount, nothing at all. Just a lump sum bill. Called Comenity three times, each time they say they are having trouble accessing account. They say call back in a week, customer service not available. I call back in a week customer service still not available. Called again a week later, customer service not available. This is a sham. People should be complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX # XXXX is a fraudulent account on my credit report. Lately they have been calling me in group phone calls and threatening to make me pay the debt, I am a victim of fraud with this account and I filed a report with the FBI # XXXX, I am being harassed by XXXX  XXXX representatives for an account that is not mine and should not be on my credit nor do I owe the debt.
Product: Mortgage

**Feedback to CFPB Re : Case # XXXX We are extremely disappointed and frustrated that this case was closed simply because Shellpoint Mortgage responded **despite the fact that none of our major concerns have actually been resolved**. A response alone does not equal resolution. 

In our original complaint, we included a **copy of an email** from our former point of contact, XXXX, **offering a Partial Claim loan modification if we paid $ XXXX. However, when we spoke with her, she never mentioned this option until we brought it up. She then put us on hold, came back, and suddenly increased the required amount to **over $ XXXX, without clear explanation. 

I specifically asked for the **recordings of that call**, which **XXXX  herself stated are recorded**, and which Shellpoints own system confirms. But Shellpoint refuses to release the recordings **unless CFPB requests them**. These recordings are critical to proving that Shellpoint changed their terms and gave us misleading information yet **we are being denied access** to this evidence. 

Meanwhile, Shellpoint claims we were given until XX/XX/XXXX to accept their offer. But that deadline was impossible for us to meet, because we were actively disputing their handling of our loan through CFPB. At the same time, Shellpoint was repeatedly sending us letters stating : _Due to the complex nature of this matter, we kindly request additional time to provide a response._ We received that delay letter **at least XXXX times**. So **why were they given extra time but we werent? ** Now they say our only option is to accept a XXXX loan with a much higher interest rate** or face foreclosure and pay **over $ XXXX. This is not relief. Its a **predatory arrangement disguised as assistance**, and frankly, its offensive to suggest we should be thankful for it. 

To make matters worse, Shellpoint said they assigned us a new point of contact, but **no one has reached out to us at all**. Weve been left completely in the dark. 

We are begging CFPB to **reopen this case**, formally request the **call recordings**, and **fully investigate** Shellpoints handling of our loan. This is not a resolved complaint. We are not being helped we are being misled, pressured, and pushed further into debt. 

Please dont let Shellpoint get away with this and **please dont let struggling homeowners like us be silenced just because a company replied**. 

Sincerely, XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( Transunion, XXXX and XXXX ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. Transunion inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.