23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I have a simple car loan with Capital One, starting XXXX, XXXX. My fixed interest rate as written on my contract is 3.35 % and the Finance Charge at the end of the loan is {$850.00}. I noticed every month my auto statement for payment the interest rate fluctuates. I called Capital One on XXXX/XXXX/XXXX to ask why it fluctuates, the rep, XXXX, said yes, it 's a fixed rate but you are being charged a daily interest rate and it {$.00} per day. I said what is it, daily interest rate? She said I do n't know, I have to ask. I waited for almost XXXX minutes and she came back on the line and said a supervisor said it 's a charge by the bank so I pay my loan off. I said WHAT? I 'm paying an interest rate of 3.35 % to pay off this loan. She said would you like to speak to a supervisor, I said yes. A supervisor came on the line, right away and I asked him where on my contract does it say a daily interest charge will apply. He said you signed the contract and it 's in the Finance Charge that you will pay at the end of your loan, I said WHAT, THIS IS FRAUD. A CONTRACT IS A CONTRACT AND YOU CA N'T ADD ON OTHER INTEREST CHARGES. How can this hidden fee be allowed? A contact is a contract. If I decided to lower my payment because I thought it was something I wanted to do I ca n't. A contract is a binding contract. No where is it written about a daily interest fee charge on my contract. A contract is a binding contract and I feel they are defrauding me and charging me a hidden fee.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Vehicle loan or lease

In Accordance with the fair credit reporting act USAA, has violated my rights.

15 US 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Items where deleted from my credit file and added back, I disputed the items and provided supporting documentation.
Product: Credit reporting or other personal consumer reports

Following up on my dispute from XX/XX/year> complaint number XXXX and XX/XX/year> complaint number XXXX I still do not recognize the following accounts, XXXX XXXX XXXX and XXXX XXXX XXXX The only thing provided by XXXX XXXX was a statement showing purchase transactions. Reviewing my credit report, i did not see the DATE OF LAST ACTIVITY, THE DATE OF FIRST DELINQUENCY, DATE CLOSED, LOAN TYPE, TERM DURATION. Please remove this from my credit immediately. Being that my identity has been stolen many times, I need my credit report to be accurate at maximum.
Product: Credit card or prepaid card

Hello, I am trying to dispute charges on 2 Citi credit cards and having difficulty with both. The transaction date was XX/XX/XXXX in the amounts of {$8500.00} and {$5000.00} by XXXX XXXX XXXX. The merchant is shut down by the Federal Trade Commission and what was purchased was a commitment for the merchant to work with me until succeeding and earning what I have invested in the commitment. As soon as purchasing, I did not receive access to what was promised and learned the company was being investigated and shut down. I have provided Citi with loads of information including contracts, Court documents of the case, second-opinion letters, etc. I started both disputes in XX/XX/XXXX and now it is XX/XX/XXXX and things are still unresolved. I have tried to contact the merchant multiple times and they are not reachable as I have told that to Citibank as well. I have been keeping track of the disputes and the Citi representative that helped me the first time filed it as fraud instead of billing dispute which held things back and I had to file a dispute again for the second time on both accounts. Citi emailed me stating they have received a response from the merchant, which the merchant is not allowed to respond to any bank as they are shut down and due to Court orders. I have stated this to Citi and it seems like they don't care. I call Citi regularly and can never reach anyone and if I do the responses are always different. Over the course of the past few months, Citi has now said the disputes are resolved in the merchant 's favor and provided no documentation or reasoning behind it to me. I refiled the two disputes on XX/XX/XXXX and they were already resolved in a matter of a few days, again in the merchant 's favor without any reasoning. I have requested documentation to see what the merchant or merchant 's bank has sent to Citi and Citi is failing to provide that. I have requested call backs from supervisors, emails and letters of documentation and have not received any of those. I paid for a commitment to be held and it is broken by the merchant due to their fraudulent claims and promises. I am now left with a lot of debt from Citi and they want me to pay it even though I am not receiving any services from the merchant. I believe they are going against my rights as a consumer. Also, I charged this commitment on multiple credit cards with banks such as XXXX, XXXX XXXX XXXX, and XXXX and they have reimbursed me without any headaches and problems. Citi is the only bank I am having problems with and I have provided multiple documents of proof to only be left with no answers. I have called, emailed, faxed, and mailed documents to Citi -- at this point I am unsure an investigation of both charges/disputes were even conducted.
Product: Payday loan, title loan, or personal loan

On or around XX/XX/2022 I went in to PNC BANK to apply for a loan in the amount of {$32000.00} and was denied. PNC BANK claims that they were using the FCRA guidelines but all together failed to satisfy the XXXX mandatory requirements of having a determining factor of my denial of the loan. PNC BANK also shared my private information with third party companies without permissible purpose. PNC BANK also denied me an extension of my own credit under the FTC which is clearly credit discrimination. XXXX XXXX number : XXXX
Product: Credit reporting or other personal consumer reports

I wanted reported accounts removed from all creditors ( XXXX, XXXX, Experian ). These are the accounts that are inaccurate. 

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

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. : Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

This is my first 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$150.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Calling both my place of work and my family members. No details just that they are a debt collector and want me to call them back at XXXX referencing case XXXX.
Product: Mortgage

This company has answered some complaints that they are a servicer for XXXX XXXX and then they changed their answer that they are a servicer for Newrez but now they have sent another inspection company to deem my home abandoned, tried to gain access to change the locks and went into the yard thru a latched gate without permission and they say they have been being paid by XXXX XXXX since XXXX  and this is definitely a XXXX XXXX loan. When I demanded they update my file to show that my home isn't abandoned and I have been represented by an attorney the entire time they have had me in court - I was told that they have the authority of the Federal Government to act and will come back if I don't answer in three days the next time. Imagine that? An entity that IS NOT the Federal Government is using their authority to gain access to a citizen 's home and allegedly they aren't even involved in this loan.How is this even possible? Maybe you guys can get more information from XXXX XXXX  in XXXX FL- they claim to have the power and authority to enter my home and change the locks without any law enforcement present. That sounds like a few violations of my Constitutional rights. 

Now here - once and for all I would like the TRUTH and a straight answer. I would like CFPB to do their job and investigate this company for fraud. They have held up my life for 17 years - 9 of which were in court and they have had plenty of time to garner the information necessary for me to proceed and ANSWER my questions FULLY as their obligation to ME as servicer for this " loan ''. I am attaching the XXXX  again for full and complete answers to the pertinent questions I have been asking. Please also note that the XXXX XXXX website STILL says they own my loan, the Shellpoint website says they're a servicer for XXXX XXXX on this loan and when I called and chatted online with Shellpoint, both customer service people VERIFIED THIS IS A XXXX XXXX XXXX. So now,, if they respond to this complaint AGAIN that they apologize for ever saying this was a XXXX XXXX loan then they ARE LYING. I find it ridiculously hard to believe that the CFPB has allowed this behavior and, in my opinion, became complicit in this illegal activity and should also be investigated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I am sending a complaint today to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$470.00} ; XXXX XXXX Balance Owed : {$2900.00} ;
Product: Credit card or prepaid card

Applied for a Kohl 's store card around mid XXXX of XXXX, I never received a bill, I never received the physical card ( still to this day did not receive a card ) and the first phone call I received was months later & it was a call to say I was being sent to collections. I paid the balance in full over the phone during this call on XX/XX/XXXX in the amount of {$160.00} which covered the amount owed and the late fee/charges. It was such a small balance, obviously I wasn't try to skip out on the bill I simply never received anything about it and after a month of waiting and assuming I would receive a bill when it was due it slipped my mind. I tried to resolve this through Kohl 's and the customer representatives were extremely rude and unhelpful. After over a month from the first call ( XX/XX/XXXX ) when I realized this was on my credit, I received a letter from Kohl 's saying the information was accurate and they would not remove it even though I never received anything from them.
Product: Checking or savings account

I've had and account with Regions Bank for almost 3yrs. 
I took out Pay Day Loans due to the Covid-19 because I couldn't work companies were down sizing. 

I went into to the Regions Bank on XX/XX/2021 t close out my account. The Tailor assured me my Account would be close and gave me the receipt with {$00.00} balance. 

I'm under the impression my Regions Bank account was closed until I receive a thank you for your patient. 

When I went back Regions the Branch Manager advised me the only way they can close it has to have {$00.00} balance. I wasn't told that if something came through within 24 hours it could reactivate the account. 

To day I'm overdrawn by {$630.00}, the Branch Manger was no help at all.

I'm asking my Bank Account to be CLOSED IMMEDIATELY that all I want.

I'm not looking for in Monetary just for this account to be closed. This is affecting my future credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Care Credit Incorrectly Reported information to the Credit Bueras ...
Product: Credit reporting or other personal consumer reports

I've been trying to reach out from their department for several months now and Ive never received any response from their side. Im wondering if they have received all of my letters and what actions have they taken to resolve my concerns. This matter has been pending for so long and Im really hopeless knowing that my record will definitely give bad impressions to future creditors who will get to see my credit reports. In return, it will affect my credibility as a consumer to which I have no control if that happens. 
I remember the last time I wrote a letter to their department, I asked for the reinvestigation of these items and I was waiting for your response or results but I didnt get any after 30 days. 

CREDITORS NAME : ACCOUNT NUMBERS : DATE OPENED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have opted out of credit reporting and Citibank N.A is acting unlawful by denying my request. Citibank N.A is in Federal violation. As per the provisions outlined in the United States Code Title 15, Sections 6802-6805, commonly referred to as the " Gramm-Leach-Bliley Act, '' creditors are required to provide consumers with the option to opt-out of having their information reported to credit bureaus before automatically opting them in. This legislation emphasizes the importance of consumer privacy and the right to control the dissemination of personal financial information. Therefore, creditors should afford consumers the opportunity to make an informed decision regarding whether their credit activities are reported to credit reporting agencies, thus safeguarding their privacy and financial autonomy. After further review Citibank N.A did not provide me the option to opt-out of credit reporting and does not have specific provisions readily available that denies the consumer ( account holder ) the right to revoke consent to report my information to credit reporting agencies in the Card Member Agreement. Further more the account is being reported as charge offs. Citibank N.A can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from Citibank N.A for the cancelled debt of the alleged debt in order to file as ordinary income Citibank N.A where is my 1099-C? Citibank N.A is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! Citibank N.A has been HEREBY PUT ON NOTICE that they are furnishing incorrect, inaccurate, un authorized non public information!
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report are NOT included on the consumer reports. Yet Transunion is reporting this information. The reporting of excluded information pursuant to 15USC 1681 A ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, Collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.

Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the suspect reported data fields alleged for this now contested reported items of injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is paid through my insurance company. I have told this to this collection agency numerous of times. This collection agency have no right to collect anything. 
This account was to the doctors office by my insurance. 

The other account was paid directly to the original creditors. I do not owe anything to these collection agents.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate information must be removed. These inquiries has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX - XX/XX/XXXX *XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX *XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention that my personal information has been exposed in a national data breach. Other reviewing my credit reports i notice some accounts that I am not familiar with. I have asked the CRA 's for validation of debt however the information has not been provided. Due to my information being exposed, i have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID, The FTC complaint, and notarized data breach affidavit.
Product: Credit card

On XXXX, XXXX, 2016 I received a letter dated XXXX XXXX, 2016 from Chase stating that they were closing my account because continuing the relationship would pose a reputational risk to their company. The letter did not give any more information. They stated for more information, I should contact them. I contacted their office on XXXX XXXX as soon as I received the letter and the woman on the phone was not able to give me any information. She stated she could not see why my account was closed. She then wrote an email to corporate to ask them to contact me. She stated they will contact me in 24-48 hours. I am still waiting for the call. I do not understand this decision, since I have between really good and excellent credit. I pay them on time and have not had an issue with them.
Product: Credit card or prepaid card

I opened a " Credit Karma Spend '' account and they were deceptive about the time frame they ship debit cards. They emailed me 5-7 days, and promised 14 calender from application date. It is now a month later and there is no card. What is interesting to me is that I naturally requested a tracking number and they were evasive about it multiple times, and when pressed claimed they had no access to it -- and that there was no way to get it ever despite them being adamant that the card was shipped on a certain date. I think they are way behind and not delivering the service they advertise, and then trying to lie about the details while offering no proof in an attempt to obtain the revenue of a rapidly growing company though they are not capable of handling the volume of transactions. 

Special attention should be paid, since CK 's aggressive marketing of this platform on the XXXX website makes it the channel through which thousands if not millions of Americans are receiving their federal tax refunds and stimulus payments. This makes any UDAAP committed by CK almost inherently material because it threatens money the public is counting on for basic bills and survival.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by EQUIFAX business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by XXXX XXXX business