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

Company has not reported good status updates in over 30 days.  They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XXXX  2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit reporting agency has been incorrectly reporting my credit borrowing and repayments records. 
Experian is the only one of the three commonly used reporting agencies that published my credit score XXXX points lower than the other two. 
I had been denied loans and credits cards even from a bank that I have been doing business with for year. One that I had two loans with and a credit card, with no history of late payments in the five plus years on the lives of the loans. 
Due to the significant difference in my credit rating from Experian, I had been denied other cards and only approved for ones with very high interest rates. 

Apparently, you must join their Experian credit 'Boost ' program before they might correct it.
Product: Credit reporting or other personal consumer reports

I've paid this account early XXXX and they are marking it as a missed payment because I have my payment option on auto-pay they tried to take another XXXX payment and it declined, so I paid on the account two more times in XXXX to reassure there isn't a issue. I've noticed from checking my credit report they've added it as a collection account while my account is still open and I am paying the credit builder/payday loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX  and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

hello and to whom this may concern. 

hi! my name is XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, New York XXXX. 
SSN:XXXX and i have contacted transunion countless times and the creditor and cant seem to have them remove these inquiries off my report, its a cat and mouse game as they keep telling me to call one another back and im sick of it! being a XXXX survivor and loosing half of my XXXX i feel like i have enough stress in my life than some simple inquiry removal which is part of transunion 's " inquiry issue '' which i have been a victim of!!! transunion customer service is being NO HELP in this situation and i even find myself being hung up on sometimes its becoming ridiculous! i am now writing to you guys for the formal complaint because i'm hearing you can help me! i will list the inquiries below which are part of the " inquiry issue '' that i am a victim of that had happened at transunion. i am hoping you can guys can help me out here! look foward from hearing from you guys thank you!! here are the inquiries as follow! 

XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I called Chase Auto Financing on XX/XX/2019, and requested a payment deferment ( which they call a payment extension ) of my XXXX payment. I asked about the deferment the month before and was given instructions on what to do and I was told month nine was the month I could request a deferment. When I called to request the deferment, I was told that I did not have to give a reason for why I wanted to obtain a deferment, but soon after that statement, I was immediately asked afterward what was the reason I wanted the deferment. Why say this and then ask anyway. I stated that I needed it for an emergency financial difficulty I was experiencing and that I also wanted time to refinance the car. I was immediately denied and told by XXXX, the rep and by XXXX the supervisor- ( XXXX ) I did not meet their qualifications. I asked what the qualifications were and I was told by the agent and a supervisor I spoke to that they could not tell me what the qualifications were. I asked why they were hiding the qualifications and not providing the customer with an explaination and was told again that they were denying my request and did not have to give me a reason. 
I received a letter from them dated XX/XX/2019, stating they reviewed my request for a payment extension, but unfortunately can not approve it because my inability to make full payments has not been demonstrated and no consumer credit report was used in evaluating my request. I have no idea what they are speaking of because I have paid every payment in full. I paid the last 2 or 3 payments late, but not over 30 days late, due to my emergency financial situation. I was trying to get back on track, which is why I asked for a payment deferment.

I have had many cars in my lifetime and I have been offered payment deferments without requesting one from several finance companies, without there being and emergency. They always let me know it was there if I ever needed it, even though I had not requested it. This situation does not sit well with me and I want to know why I was denied and what the qualifications are, because the reason they gave couldnt be further from the truth. I have also enclosed the letter that was mailed to me.
Product: Checking or savings account

on XX/XX/year> there was an attempt to debit {$98.00} from my Navy Federal Checking account. It was unsuccessful due to me having used the funds to pay bills. No money was paid to them. Navy Federal charged me {$29.00} and did not even cover the transaction. I called Navy Federal on XX/XX/year> and was told that anytime I give someone my routing and account number and there is not enough money to cover I will be charged {$29.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my personal credit report, which I acquired fromXXXX, I noticed an unauthorized inquiry made by your company XXXX XXXX XXXX. I did NOT authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 American Express requested my credit file without my knowledge, permission or approval of a hard inquiry. 

American Express and any related agency related to this specific credit request for a credit card do not have a permissible purpose for requesting my credit report on XX/XX/2021.
Product: Mortgage

Home purchase closed on XX/XX/2019. Escrow account was set aside to cover repairs. Repairs were completed over a month ago. The appraiser came and inspected them and told me everything was okay and that the information would be sent to the bank. 

The lender will not return calls so we can have the money released. I need to pay the contractors. 

My real estate agent and I have made over thirty calls, messages and texts to the loan officer, loan office manager and national office trying to get someone to release the escrow funds. We got sent in circles with no satisfactory response. No one returns calls. 

My real estate agent is a retired loan officer who says that Freedom Mortgae is acting in a negligent and criminal manner.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account XXXX : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : ( Original Creditor ) # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX  Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXX  Account Name : AFFIRM XXXX # XXXX Account Name : XXXX  XXXX XXXX XXXX  Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX
Product: Debt collection

TODAYS DATEXXXX ENHANCED RECOVERY CO L XXXX In response to CFPB:XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection  Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ENHANCED RECOVERY CO L XXXX any company associate with this account # ENHANCED RECOVERY CO L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your  organization will be reported to the Federal Trade Commission ENHANCED RECOVERY CO L XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Vehicle loan or lease

I could no longer afford any of my bills and had to file for bankruptcy. i need this removed from my account its been 7 years
Product: Mortgage

I received a letter that appears to come from XXXX XXXX XXXX. However, it is actually a deceptive solicitation from Millennial Home Lending, with an offer to refi and cash out. 

In addition to being deceptive that this appears to be connected to XXXX XXXX XXXX, the terms provided on the front page of the letter do not list term, fees, etc. It attempts to show " now mortgage payments for 2 months '' and get $ XXXX out cash free. The disclaimers are listed on the back of the sheet. 

At the bottom of the sheet there is a disclaimer that Millennial Home Lending , Inc is not associated with or acting on behalf of XXXX XXXX XXXX. 

Additionally, the envelope it was mailed in appears to have " time sensitive information '' to cause fear or confusion. 

There is no way this can be legal, the entire letter feels deceptive and misleading. A confused old person could see this and totally disrupt their financial situation. 

It provides a number XXXX. Please make them stop.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I paid off my XXXXXXXX XXXX credit card in full, in the amount of {$87.00}. On XX/XX/XXXX, I received a {$2.00} minimum interest charge due XX/XX/XXXX. I paid the {$2.00} minimum interest charge on XX/XX/XXXX, 10 days before it was due. I have all of the XXXX statements that confirm this account of events ( attached ). In XX/XX/XXXX, I learned that XXXX reported a late payment of 30 days to the credit bureaus, supposedly due to the {$2.00} minimum interest charge mentioned above. 

I have maintained my XXXX card since I opened it in XXXX and never had a late payment. I contacted XXXX several times about the above matter including, but not limited to, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but to no avail. 

XXXX claims that the 30-day late payment is correct and that they will not reverse it. 
This error on XXXX part has had and still does have detrimental and deleterious effects on my credit report, and that of my domestic partner, who I added as an authorized user to the account some time ago. 

We are demanding that XXXX immediately remove the 30-day late payment notification from my credit reports at all three credit reporting agencies, and those of my domestic partner. 

Before submitting this inquiry, I did a XXXX search and found that several other XXXX cardholders are experiencing similar issues.
Product: Checking or savings account

I would check my account before going in a store and itll say I have the appropriate funds. If its on a Friday, by Tuesday Im hit with MULTIPLE overdrafts. 

Income tax time, if youre depositing a check, it takes up to 21 days for your funds to become available
Product: Credit card or prepaid card

My complaint is with Synchrony Bank. This bank has arrangements with many merchants which have the effect, if not purpose, of sucking consumers into contracts with exorbitant interest rates and term which lock consumers into ever increasing debt. My specific complain is with Lowe 's and Synchrony Bank. I purchased a kitchen sink including installation from Lowe 's in XXXX, Texas for {$680.00} on XX/XX/XXXX with Reg Deferred Interest /With Pay Expiration Date XX/XX/XXXX, annual Percentage Rate 26.99 %. Nothing in the contract from Lowe 's mention Synchrony Bank. I guess Synchrony maybe a holder indue course. I do not understand holder in due course except it protects the bank or others from some liabilities. 

I think the agreement between seller and buyer should explain the obligation may be sold to a bank and the bank will not be liable. 

I have been paying on my account with Lowe 's or Synchrony as follows : my balance on XX/XX/XXXX was {$500.00}, my balance on XX/XX/XXXX was {$500.00}, my balance XX/XX/XXXX was {$500.00}. and my balance on XX/XX/XXXX was {$540.00}. I paid {$37.00} on XX/XX/XXXX, and {$50.00} on XX/XX/XXXX. 

Payment required for late payment {$38.00}. on XX/XX/XXXX. That calculates out to {$3400.00} annually on a {$500.00} debt or about 684 % annually. 

As a suggestion, sellers should be required to reveal all agreements between sellers and banks.
Product: Debt collection

Do not believe this account is mine. Need verification of this debt. Do not recall opening this account as I have been a victim of a couple of personal information stolen through data breaches from various XXXX  companies.
Product: Credit card or prepaid card

Capital One officially told me today that they lied to me and it will not be 7-10 days to process my application for the Walmart card. They are now saying it will be an additional 10 days, which would put it at 22 days to process. The Capital One/Walmart partnership has been a disaster that has led to customers being trampled on. Nobody will provide an outcome for me, I've been lied to about a time frame, the customer service representatives are incompetent and the company is completely unaccountable. First they say 7-10 days, now they are saying 22 days, it is all just lies. Capital One must process applications appropriately or have their ability to issue credit revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, these XXXX  accounts listed below has violated my rights. 

1. 15 USC 1681 SECTION 602 A, STATES ; I HAVE THE RIGHT TO PRIVACY 2. 15 USC 1681 SECTION 604 A SECTION 2 ALSO STATES ; A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

I have disputed the accounts with the credit bureaus as well as sent letters. 
The disputed responses I received back stated that the accounts were in accordance with FCRA, which is not true based on the XXXX violations I have listed above. No response pertaining to the letters that was sent. 



XXXX XXXXXXXX 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: Payday loan, title loan, or personal loan

In XXXX I had a flood at my house and needed repairs. I received a HELOC from Wells Fargo. They gave me the impression that was borrowing from the equity of my home at a low interest rate. Come to find out, it is a variable rate loan ( I would have never signed up for that ) and that it is a 30 year loan! Who would take out a loan for XXXX for 30 years?! What kind of bank loans {$17000.00} on a 30 year note!? This is 10 years past when my mortgage was scheduled to be paid off. I could not believe what I was being charged. For the last 8 years, I have paid {$100.00} a month with 80-90 % of the payment going to interest. In the last 8 years, I have paid only {$1400.00} on the principal of the loan and over {$8000.00} in interest! Wells Fargo stopped offering the HELOC because it is such a terrible product but has offered no compensation to those currently being ripped off by their HELOC. I do not recognize my signature on the paperwork they gave me. It does not look like I signed this. I called a couple years ago to refinance, and they told me it was not a good idea. I talked to them today and they basically told me there was not help for me because I agreed to those terms. I have listened to XXXX XXXX since XXXX and I would have never signed a loan for these terms. I do not believe I agreed to these terms as they are ridiculous, even if you don't know what you are doing. I feel like I was taken advantage of and stolen from by Wells Fargo. Is there a class action suit I can join? Anything?? I know WF has been sued over HELOCs
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX. I did a transaction to XXXX using Sendwave. They lied to me that the money was delivered on XXXX of XXXX. The recipient never recieved the money..I sent a statement of account as a proof. They lied and said there was a glitch and the money sum of {$2900.00} will be refunded as truly it was not delivered. They lies. I haven't gotten that money and they are not planning to refund or giving a response. They took the money and I have not gotten a refund
Product: Credit reporting or other personal consumer reports

I'm writing to draw your attention to numerous inconsistencies in the openly accessible credit data. In accordance with Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you must physically confirm the original signed consumer contract in order to confirm the accuracy of the accounts on a credit report. Failing to comply with this could lead to reports of bogus accounts. 


I respectfully ask to view verifiable documentation for the account listed below, such as an original consumer contract including my signature. 

To keep my credit access intact, it is critical that I make sure my credit report is accurate. The FCRA requires that the account be deleted if it can not be positively verified. 

I demand that the following account be validated or removed immediately : Account Number XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXXXXXX {$1900.00} Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.