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

I sold the house and transferred the solar to the buyer. The title company sent the GoodLeap all the requested info and they even cashed a check for their fee but they have still not transferred it and it's still in my name for something no longer owned by me. They have failed to take ownership and ensure this is resolved.
Product: Debt collection

I  was never made aware of this debt by the company Commonwealth financial systems incorporated. I was only made aware after they a ppeared on my credit report for a debt that is no longer owed. I contacted my workers comp attorney about this as this bill had been paid by the insurance company for my former employer. I have called and spoke to multiple people with the company. As I write this now I am on the line for a supervisor after speaking to a  XXXX   XXXX  and have spoke to  XXXX   XXXX . I have given  them all the documentation to have this closed and the debt discharged. My attorney has sent the documentation to them several times as well. If this is not cleared up I will be seeking legal action  against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX  ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$7700.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( Date Opened : XXXX. XXXX, XXXX, XXXX : {$540.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Reviewing my credit report I see hard inquiries that I do not recognize are authorized, therefore I ask that these be eliminated since they are hurting my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card

Discover gives one the option of a balance transfer. However, they fail to make available in writing the current balance owed on the balance transfer as well as the date the promotional APR expires on that balance. I called Discover XXXX XXXX and asked to be provided with this information in writing, either via US mail or via an email. I was told this was not possible ; they provided the information verbally, but I wished to have it in writing so I had solid evidence in case their phone agent told me incorrect information. ( This information is also not available throuogh my Discover account : I can see the total I owe, but it is not broken down so I see a clear balance owed that is associated with each date that the promotional APR expires, and this detail information is what people need to be sure they pay their balance off before the promotional APR expires. After 20 minutes of being on the phone, sitting on hold while being transferred to a supervisor, and talking to that supervisor, I asked whether they could provide this information via their " secure mail '' option that is attached to one 's Discover account. Amazingly, it did n't occur to Discover employees to suggest this option. I was then transferred to yet another person and after another 10 minutes on the phone including several minutes on hold ( during which I sent a secure message asking for this information ), I was told that he could not respond to that inquiry ( or indeed, access the information about my balance transfer. He did assure me I would receive a response within about 24 hours. It is now 4 days later, and I still do not have a response to my inquiry. I just resent the inquiry. 

Discover is failing to provide consumers with balance information that is necessary to pay one 's balance in a timely manner. In the case of balance transfers with promotional APRs, Discover needs to clearly state the current balance and the day the promotional APR expires. They are not doing this.
Product: Credit reporting or other personal consumer reports

I requested a thorough investigation into the reporting on my credit report being in accurate due to the XXXX data breach. I have yet to have my complaint response.
Product: Credit reporting or other personal consumer reports

Experian was reporting XXXX inquires on my consumer report of accounts that I did not benefit from and that I was not the account holder of. Under 15 USC 1602 ( p ), unauthorized use of credit is when a person uses a cardholders credit and receives no benefits from the use. That is what happened here. These inquires are receipts of a consumer transaction of which I did not receive any benefits from the use of my credit.
Product: Checking or savings account

An account was opened in my maiden name at the First National Bank of Omaha by someone else, not me. This is identity fraud. The account was opened on XX/XX/22.
Product: Vehicle loan or lease

I was financially hurting due to hurricanes in my area of XXXX, XXXX, and applied to a payment extension due to these hardships on the XX/XX/XXXX of this year. I spoke extensively with a representative to help me in this regard. At the time, I was unaware of how to go about getting a payment extension, and I made sure the representee was aware of this. Essentially, the representative told me at three points of time, twice on XX/XX/XXXX, and once more on XX/XX/XXXX. that I just had to make a payment of XXXX for me to be placed in payment extension for 2 months. The rep also told me directly to take my account off of auto pay. They assured me my account would be fine, but when I checked back on XX/XX/XXXX, the company claimed not to honor my extension, because I did not mail in signed paperwork and my car was uninsured. But ( and I have evidence of the same ) I was not informed of any paperwork that I needed to sign and mail in, and my extension was still approved even though my car was uninsured previously. I spent the entirety of last month, as well as all of this month so far, speaking to reps from Ally banking, from customer service to representatives. But no matter who I speak to, they always say one thing, then do another. Promise a callback, then no response for two days, and other things of that nature. I need help resolving this case, because a representative of Ally Banking gave me incorrect instructions to fill out a request that I direly needed. I have tried speaking to the bank directly, and I have tried having the XXXX XXXX XXXX  intercede on my behalf, but no matter what action I take, the company continues to maintain that the fraudulent negligence of their employee in informing me about the payment " extension '' is valid grounds to have my account in default. I've been harassed dozens of times over the past few weeks with robo calls and agents that are uncooperative, and I'm not sure how to proceed. On XX/XX/XXXX, I was called three times, I called back, waited for an agent to assist me, then was hung up on. Overall, the companies only response is that, they admit they made a mistake, but have refrained from assisting in my account. This is harshly impacting me, and my family, and hurting us in a time of financial recovery.
Product: Debt collection

On XXXX XXXX, 2024 this Debt company DRS has falsely reported to all 3 credit bureaus a debt in the amount of {$530.00} I do not owe money to this company. This debt amount is incorrect and has no account number. This company has falsely obtained my personal information. I have filed a police report for Identity theft and currently in the process of filing a complaint with the State and Federal Consumer Protection Agencies. Ths company has violated all FTC rules and regulations for debt collection compliance procedures.
Product: Credit card

I was charged on XX/XX/2023 for {$1500.00} from XXXX XXXX XXXX XXXX XXXX which was in error as it was unauthorized and I did not obtain insurance from them. 

I contacted Citi Cards over and over and opened a dispute. They say that I accepted the charge and closed the dispute which never happened. 

XXXX XXXX XXXX XXXX XXXX acknowledges that they owe me the money and that it will be credited back to my account. This has not happened.
Product: Credit reporting or other personal consumer reports

Account XXXX I paid off my car in XXXX. My loan is with Chase Auto finance and I made my payment on the Chase Website. Chase sent me the title to the car. Weeks later they reversed the payoff. They have lied repeatedly as to why they reversed the payment.

The account had sufficient funds. Chase violated its own internal controls reversing the payments. They told me customers not allowed to pay off loans online then hung up on me. Tonight they told me its my fault because I paid from a new account. That is a lie. I have had multiple accounts with Chase for years. Now they are reporting the payments late for a car I have paid. They want me to pay hundreds of dollars more to fix their mistake. I want Chase to reapply my payment, refund these bogus fees and train their people and clean up my credit removing this late payment.

Please investigate this. Chase is doing this to other people. This is misreporting and violates internal controls
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted several letters to Experian about the following accounts on my credit report that are in violation. These accounts continue to report late payments on accounts that have been closed and or charged off for several years. Experian continues to ignore my disputes and suggest that these accounts are accurate and meet FCRA/FDCPA reporting laws despite me submitting evidence that clearly shows that these accounts contain multiple violations. 
The following accounts contain FCRA and or FDCPA Violations. I have also, once again attached proof of the following violations 1 XXXX XXXX XXXX XXXX ACCOUNT # XXXX This account continues to report late payments after the account was closed 2. XXXX XXXX XXXX Account # XXXX This account also continues to report late payments after the account was closed 3. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after it was closed 4. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after the account was closed 5. XXXX XXXX XXXX XXXX Account # XXXX This account continues to report late payments after the account was closed
Product: Vehicle loan or lease

Sales tax incorrect on sales contract. 5 % max in Georgia. Gap way too high. Interest rate 22.9 % which made us impossible to make pymt
Product: Checking or savings account

I have been charged over {$800.00} of overdraft fees. I never enrolled in overdraft protection! I disenrolled and for some reason I am enrolled again. We are in a pandemic and they shouldnt abuse people the way they have been abusing me. Every time my account goes negative I made sure it was positive but I have been charged {$37.00} about more than 25 times and I feel like that is excessive
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage back in XX/XX/2020 and this is when I discovered I had some fraudulent items on my report. I contacted all three credit bureaus and I informed them that these items did not belong to me and asked that they are investigated and removed from my report. In XX/XX/2020 I received a response from all three agencies and XXXX  could not verify the item and it was removed. However, Experian and XXXX  did not remove the items and told me that item was verified. I sent another letter in XX/XX/2020 asking for proof of verification, including who they talked to when they verified accounts and what information was used to verify my items. I received a response letter in XX/XX/2020 from Experian and XXXX  stating that they would not tell me how items were verified and that I could add a personal statement or contact the collection agency. I contacted the collection agency in XXXX and never received a response. I am sending one last letter that will accompany a copy of this complaint to Experian and XXXX. This letter will be received by them by XX/XX/2020, and it will be sent certified mail. This letter explains that the items in question were removed from the other agency and that there is no way they could of properly verified the information and the other agency working within the same time span could not. I feel I have no choice in this matter but to file a complaint because the credit bureaus have not in my opinion done the proper due diligence. I am not sure how my information got into the hands of someone else to open accounts that are not mine, but I am in the process of hiring an attorney to help me figure out what to do about identity theft issues if I have no idea who did it or where they are located.
Product: Credit card

We purchased a vacation package from XXXX XXXX XXXX XX/XX/year> using a credit card they directed us to use. It is called XXXX XXXX also called Comenity Bank. We tried to used the service and they did not honor the terms they told us over the phone. We disputed the charge with the bank and they slow walked the process. The bank kept giving XXXX XXXX XXXX more and more time to respond. After months of this the bank finally denied our dispute. We have not used the service and now the bank wants us to pay for the charge.
Product: Checking or savings account

On XX/XX/2020, I made an online purchase for masks from XXXX for {$30.00} which was deducted from my Bank of America account. On XX/XX/2020, I noticed the {$30.00} debit on my account was followed by a {$.00} debit from XXXX as an international transaction fee. I emailed XXXX and they denied charging the {$.00} and advised that I check with my bank. 
On XX/XX/2020, I called Bank of America and spoke to XXXX who said that XXXX charged it. He said it was linked to the {$30.00} charge and a claim could not be filed on it. 
On XX/XX/2020, I spoke to XXXX supervisor, XXXX, who said Bank of America charged it and Bank of America charges 3 % on all international transactions. 
Since the charge shows from XXXX, why doesnt Bank of America show their name and why doesnt Bank of America notify their customers? I order online often and have never seen or heard of this charge. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I initially applying for an IDR payment plan on XX/XX/XXXX. The plan continued to say it was in review up through XXXX this year. On Mohela my payment continued to be set at a " level '' payment plan and was about $ XXXX higher than what my IDR payment was supposed to be. I messaged Mohela a couple times about this and they sent back generic replies that did not address my issue. I first messaged on XX/XX/XXXX, their first reply to me on XX/XX/XXXX addressed nothing about the fact that I was still waiting for the payment plan to process : " We apologize for any inconvenience this may have caused. While servicing your loans, we are required by the Department of Education to establish a repayment plan that fully satisfies the principal and interest in the remaining term provided. Your account has been recalculated with the appropriate payment amount for the loan balance and remaining terms. '' At one point on my account I was being told of XXXX different amounts for monthly payments, one being a notification that I was set up for Auto-debit. I messaged on XX/XX/XXXX, their response to this on XX/XX/XXXX included, " As of this writing, our records indicate that your account is currently 7 days delinquent with a past due amount of {$310.00}. The next payment is due on XX/XX/XXXX. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' Again, I messaged on XX/XX/XXXX saying that my initial payment plan application never finished processing. I informed them I would fill out a new application and wait for my account to update. This was their response on XX/XX/XXXX : " As of this writing, our records indicate that your account is currently 14 days delinquent with a past due amount of {$200.00}. The account is delinquent as of XX/XX/XXXX. When an account is delinquent, phone calls and/or letters will continue until the account is current. '' This has been very frustrating. I am unable to pay the {$500.00} payment they are asking right now, and it is not the payment amount I was told I would have when I filled out my application in XXXX. Their responses never acknowledged my IDR application, but I can see it on studentaid.gov under my acitivity.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the removal of incorrect information from my credit report. After obtaining a copy of my credit report from your bureau, I have identified the following errors : Please conduct an investigation into these matters and remove the inaccurate information from my credit report as soon as possible. I also request that you provide me with written confirmation of the results of your investigation and an updated copy of my credit report.
Product: Credit card or prepaid card

on  XX/XX/XXXX , I received a letter from  Barclaycard  regarding my  XXXX  visa card account ending in  XXXX . I was told that my credit card account will be closed at the end of this month when the card expires. The reasons were : amount owed on bankcads too high and balance on this particular account too high.   I do not argue these facts. But, here are my concerns ; when the credit card is closed by issuer, it is reported in my CB as closed by merchant. This will actually harm my credit. I have maintained this card very diligently. I always pay on time, and my payments are more than the minimum. I have never gone over the limit and never bounced a payment. The issuer issued me both my Barclay credit cards even though I had declared BK in  XX/XX/XXXX .   When I attempted to speak to agents at  Barclay  cards they were very uncooperative and did not care how my credit will be harmed by the closure of this account.   Your help in resolving this matter will be greatly appreciated
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 602 A. 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 conviction 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

My Name is XXXX XXXX XXXX and on Monday XX/XX/year> I received an alert on my XXXX credit report. The alert stated I had a hard inquiry on my report by JPMCB Card XXXX XXXX XXXX XXXX, DE XXXX, XXXX. I never applied for any credit card or loans. I would like this disputed and any credit card or loan applications terminated for fraud. Thank you! My address is XXXX XXXX XXXX XXXX XXXX, WA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX Balance : {$410.00}
Product: Checking or savings account

I won a settlement from the US Department of Education called the XXXX XXXX or XXXX case. As a result, I am receiving refunds of student loans I paid. I deposited one of the Settlement checks from the US Treasury yesterday, in the amount of {$99000.00}. Before I deposited it, I verified it online with Treasurys online check verification tool. 

PNC bank then placed a fraud deposit hold on the check so I called them today. They stated that something about my check didnt match with their exemplar US Treasury but that this happens often with valid treasury checks. They stated it will likely be on hold for 10 days while they complete a secondary review which involves emailing treasury to further verify the check. However they stated treasury is very slow to reply and thats why I may have to wait 10 days.
Product: Credit reporting or other personal consumer reports

The company is providing late payments on my credit report which is unlawful according to. 
15 USC 168Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card open-end consider credit pan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.