23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/year> a letter was sent to Equifax disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to.
Product: Payday loan, title loan, personal loan, or advance loan

The company Goodleap llc, financed my HVAC.I have been paying off my loan as at when due. I also was making extra payments so as to pay off my loan in time.I made XXXX extra payments of $ XXXX. The agreed payment was {$130.00} monthly, which is taken off from my checking account. 
I found out that my payments was not being reported to the credit bureau. On inquiry, I found that a payment of {$2000.00}, I made was not credited to me. The payment was made through my bank bill pay, like the XXXX others. I contacted them and they said they did not receive it. 
I checked with my bank and got a copy of the cleared check of {$2000.00}, with stamp and numbers of GoodLeap on the back. I forwarded it several times asking to be credited but they were adamant. They refused. 
I stopped their automatic withdrawal from my account, so that they would address my problem, but they resorted to harrasive phone calls, trying to make me pay, the stopped payment. 
I want them to give me credit or refund my money. It's been more than XXXX months and they don't care. 
I also told them that, I would Payoff the loan if they give me my credit, as my relationship or business with them is impairing my health. THEY DON'T CARE. They had been subjecting me as a XXXX or that they don't understand my language or what I am talking about. 
The only suggestion they offered was that I should stop the check. STOP A CASHED, CONSUMED CHECK?
Product: Checking or savings account

I have a complaint against TCF Bank. On XX/XX/2020 I visited a TCF Bank branch and upgraded my savings account to a better account in order to avoid coin deposit fees. The new account has a {$100.00} minimum. In the same visit to the bank branch I upgraded my savings account to the new account type and had the branch representative transfer {$100.00} to the account. 
On XX/XX/2020 a {$4.00} " monthly maintenance fee '' was charged. This was likely due to the branch representative transferring the {$100.00} sequentially after upgrading the account. The fee was due to representative error. 
I received a fee reversal for that {$4.00} subsequently during a branch visit. 
A second {$4.00} maintenance fee was charged at the end of XXXX, which was triggered by the prior maintenance fee. It's like this : XX/XX/XXXX balance : {$100.00} XX/XX/XXXX balance : {$100.00} - {$4.00} maintenance fee ( caused by sequential error when account was upgraded and {$100.00} minimum transfer in the wrong order, bank branch rep error ) XX/XX/XXXX balance : {$96.00} ( triggered additional maintenance fee for month of XXXX ). 

Today, on XX/XX/XXXX I called TCF customer service and requested the second " monthly maintenance fee '' be reversed. The first monthly maintenance fee had already been reversed via a branch visit. After spending over a half hour on the phone with the call center representative explaining the issue, the representative finally admitted that she only has access to 6 months of transactions. The representative said I would need to visit a bank branch in order to receive the fee reversal. I find this to be completely unreasonable. It is a long distance to any bank branch and I know that branches have very limited service. The bank representatives don't have access to transactions older than six months. The bank can not help customers over the phone with issues older than six months.
Product: Credit card or prepaid card

Received five pre approved offers from Discover and ran thru online pre approval same day of application and then denied for the card. Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX  application.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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 an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} ; Child Support Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$240.00} WI XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX To : Synter Resource Group, LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is sent in response to a letter I received by you on XX/XX/2018. I am requesting that you provide validation of this debt. I have been in contact with XXXX as well as my local sheriffs office numerous times to report this account as fraud, as I have never opened an account with XXXX. However as neither XXXX nor your company clearly understands my complaint, I will be formally filing an intent to sue as well as lodging complaints with the XXXX, XXXX and XXXX  Attorney General, CFPB, and other relevant agencies. Civil and criminal claims will be pursued against both your company and the original creditor for violating FCRA 623 ( a ) unless you formally remove any and all of my information from your systems within 30 days of receipt of this notice. I highly suggest you heed my warning.
Product: Consumer Loan

I leased XXXX Nissans on XXXX/XXXX/16. We then went back on XXXX/XXXX/16 with my daughter who purchased the XXXX Nissan. Was told at the time of getting the lease, the payment would be due in XXXX. In XXXX, I got the bill for XXXX of the leased vehicles and the purchased vehicle. I called inquiring about the other leased vehicle. Was told at that time, nothing had been received for financing from the dealership. I was told they would remove any late fees if they were charged. I called the dealer twice about the paperwork. Never got a call back. Then on XXXX XXXX, I got the bill for the leased vehicle with a due date of XXXX XXXX ( bill came 2 days after due date ). There were late fees assessed. I called and was told they would remove the late fees, but I needed to pay for XXXX and XXXX. I was also told I was reported the credit bureau for XXXX because I did n't pay. I did n't pay because they did n't even have the info in for XXXX from the dealership! They said they would remove the credit bureau hit on XXXX. I sent the payment for XXXX and XXXX on XXXX ( day I got the very first bill ). I inquired because at that time, the bill did n't even get to me until 2 days AFTER XXXX payment. other XXXX cars have been fine, just this XXXX car. The other XXXX I paid in XXXX no issues, and was not late. On XXXX XXXX, I get yet ANOTHER call about late payments. I had just called on 5 days earlier and was assured they were taking care of this issue! I 've been telling Nissan since XXXX I owed them money. Yes, I told THEM I owed them. But now, I 'm getting late charges and being harassed about payments. The paperwork was late from the dealership. This was not an error on my part.
Product: Consumer Loan

I had a boat loan with M & T bank and was making on time payments. I received a letter from them stating the loan had matured XX/XX/XXXX and I owed a Principle balance of XXXX and late payments of about {$2700.00}. They never sent me anything previously and I was making on time payments at the time payments that they were stealing them and putting towards the late payments. Because they stated I could no longer make payments, I had to pay the balance off. This caused the 60 delinquency which shows on my credit report for XX/XX/XXXX and XX/XX/XXXX. Further, they refused to let me pay off the principle of {$820.00}, stating they would take nothing but the full amount, principle and late fee, which I had disputed several times and do not agree with. They forced me to make a deal to pay off the principle and half the late fee or else they would continue to report this as delinquent every month. Again, I was making on time payments and have no idea how they could say the loan matured and force me to pay not only the principle but late fees I do not believe I owe.Please find the bill they sent me XX/XX/XXXX which only had the principle on it and find the release which is dated in XX/XX/XXXX, but they state I made no payment that month even though I paid them {$2100.00}, much of it that I do not feel I owed. I only paid it because they threatened me with continuing late payment charges, late payment reporting to the credit bureaus and then repossessing the boat. All threats they made to me and told me my only option was to settle the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. 

Here are the following inquiries XXXX XXXX XXXX XXXXXX/XX/XXXX, has violated my rights. 

XXXX XXXXXX/XX/XXXX has violated my rights. 

Below here are the accounts XXXX XXXX XXXX XXXX  has violated my rights. 

XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. 


15 U.S.C 1681 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 make 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 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.

Delete account immediately.

In accordance with the Fair Credit Reporting ace. The List of accounts below has violated my federally protected consumer privacy and confidentiality under 15 USC 1681. Here are the following inquiries XXXX XXXX XXXX XXXXXX/XX/23, has violated my rights. 

XXXX XXXXXX/XX/23 has violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/23 has violated my rights. 


XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 

XXXX XXXX XXXX has violated my rights. I was never late. s Below here are the accounts XXXXXXXX XXXX XXXX XXXX, has violated myrights. XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 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 make 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 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. Delete account immediately.
Product: Debt collection

I booked a flight in XXXX from XXXX. I changed it due to the lengthy travel times between the airport to our hotel. A XXXXXXXX XXXX couldn't have sat for that long. Not realizing that although my flight was canceled and rebooked with the same rental car service and a closer airline to our hotel, XXXX did not cancel my rental for XXXX rental cars. I used Affirm to make the purchase and also chose XXXX rental again for the new car at the new airport. I paid off Affirm only to find that they required another {$450.00} from me because of a RENTAL CAR I NEVER USED and believed was canceled as it was a package deal. There was no information regarding this when I canceled and it was a very sneaky, underhanded move. I will not pay for services I did not use. I still purchased from XXXX and I still used XXXX. The customer service at both Affirm and XXXX is comparable to their despicable supposed policy limits. This is strong-arming and I will not pay a conglomerate corporation like XXXX money I DO NOT OWE. Consumer abuse tactics like this are reminiscent of fascism. 
Furthermore, XXXX rental cars provided a completely different vehicle from the one we chose. A mini XXXX without A/C in XXXX weather XXXX
Product: Student loan

1. I called several times over more than 6 months regarding the same problem. Each time, a ticket is submitted, but the issue is never addressed and the case closed. The problem : my interest rate reduction was removed. The last time I called ( prior to today ) was XX/XX/XXXX. I had been calling for months prior to this and only during the XX/XX/XXXX phone call was I told that the reason the interest rate reduction was removed was because on XX/XX/XXXX a disaster forbearance was applied to my account. I informed them that I never applied for this. They then told me that I automatically qualified and that they were federally mandated to apply this forbearance to my account without my request or approval. I then told them to provide proof of this, which they could not, so the agent submitted an internal ticket to correct my account on XX/XX/XXXX. On XX/XX/XXXX, the case was closed without any action. They said I would get a letter in the mail regarding the response. I never received a letter. I called today and explained the situation once again. The agent again tried to do what they have been doing, which is to submit an internal ticket and tell me I would get a letter in the mail after the ticket was processed next week. I told them that this was not acceptable. I asked them if a letter had been sent out from the XX/XX/XXXX request. They confirmed a letter had not gone out. I asked why a letter had not been sent and he replied that I had to request it. I asked him if the letter I was supposed to receive for his ticket today would be sent, since that is what he had just told me but I did not ask for the letter because I assumed it was implicit in the statement " you will get a letter in the mail. '' He had not response. So I requested that all letters be sent, the one from the XX/XX/XXXX request and today 's XX/XX/XXXX request. I also explained in detail what I needed in the internal ticket request and had him confirm by telling back to me what I told him, which was the following : ( 1 ) proof of what entity initiated placement of disaster forbearance for which I did not qualify, did not request, did not approve, and was not informed of, ( 2 ) removal of the forbearance, ( 3 ) reinstatement of the 1 % interest rate reduction, ( 4 ) retroactive adjustment of interest/late fees/principal on my account. He confirmed that a letter of this request and its response would be sent to me by mail. 

I also requested on XX/XX/XXXX a ledger of each loan detailing all charges from origination. I let them know that the loans were originally from XXXX prior to being sold to Sallie Mae ie Navient. I informed the supervisor who I had spoken with that day that this information is neither available on my account online nor obtainable through XXXX as their student loan services have been dissolved. I received in the mail only a copy of my loan ledgers that I can pull up myself on my account online.
Product: Checking or savings account

The clause : " You have received a bonus for opening a Wells Fargo Premier Checking account within the past 12 months ''. 

is ambiguous and is not clarified in the clause. 

I understand it as for opening a Wells Fargo Premier Checking account within the past 12 months, meaning 12 months period only is about the date of opening the account. - i.e. the 12 months restriction period starts on this date, and 12 months from that date one is eligible for the promotion again. 

I had contacted SIX Wells Fargo bankers, and they all confirmed my Interpretation of the clause, specifically that 12 months from the date of opening the previous account one is eligible again for the promotion. None of them stated it has anything to do with the actual date of bonus posting. In fact they stated a similar clause for the savings should be interpreted the same way only the account opening date matters. 

Many other banks use the same clause, with the same interpretation. Some clarify it in the clause itself, which is obviously preferable. I always contact the bank representatives to clarify the clause before proceeding with the promotion, and their interpretation was always honored by the bank. So it seems to be more or less a universal interpretation. 

Please clearly confirm that the interpretation I received from the six Wells Fargo bankers is correct.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 state 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: Money transfer, virtual currency, or money service

On XXXX XXXX  2024 i signed up for a Venmo account. Verified my identity and deposited {$120.00}, but the same night when I attempted to initiate a bank transfer. My account was frozen and I did not know until I woke up the next morning and I received the email. I was told to submit proof of I. D Which I already did when I verified my identity within the app of Venmo, and when I reached out to someone to try and figure out what was going on, they couldn't help me. And they told me account specialists would reach out to me within 3 to 5 days. And when I asked for contact info for the account specialist, I was not given contact info. And was told they would reach out to me
Product: Credit card or prepaid card

Worked with the company to resolve this issue before ( CFPB : XXXX ), suggested by Corporate Consumer Relations that after a period of time, I will need to unlock the credit reports and the company re-affirmed that providing a PIN will not be able to obtain a credit line from Synchrony bank. Still getting denied and unsure how to resolve it as I have been strictly adhering to the given instruction I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am reaching out to get this issue resolved because i cant get it resolved with XXXX, Experian, and XXXX.After reviewing my credit report I must inform you that I am NOT responsible for the listed accounts as I have been a victim of identity theft and informed the cfpb and all XXXX credit bureaus in XXXX with proof and willing to prosecute. I have already notified my local police department and uploaded the police report from them.Please delete the following accounts from my credit report immediately! These items are stopping me from being able to succeed in life and get my family a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please delete the account below : XXXX XXXX XXXX