23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have had an account with TD Financing for several years. I set this account up on automatic payment years ago and never had an issue. I don't know if they changed systems as the website is new, but they removed my automatic payment and never said anything. I received a statement today with a {$40.00} late fee and didn't notice that they have charged me {$120.00} in late fees this year. Keep in mind my monthly fixed payment is currently is {$53.00} so the late fee almost doubles the payment. 

They also show that the monthly due is {$100.00} for XX/XX/XXXX. If my payment is {$53.00} and the late fee is {$40.00}, there is no breakdown of the other {$12.00}. I also believe that because of the late payments, they have arbitrarily lowered my credit line thus hurting my credit scores. 

Not once has someone attempted to call, text, emailed, push notification, etc to notify me that my perfect payment record seems to have some trouble. I tried to call to talk to someone and hung up after being on hold for over XXXX hours. Attached is a screenshot showing my call time. There is no way to discuss this on their website. I have since set up automatic payment again so this should not be an issue going forward.
Product: Debt collection

The credit card was already charged off from XXXX  XXXX XXXX but Midland funding is trying to collect
Product: Student loan

I 'm not able to pay on my loans because I have a XXXX issues to where I can hardly work a full XXXX well job. I need help with this I would like to repay even if it 's a small amount or something out my taxes every year like XXXX % of my loan until paid off. Can someone help with this
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies ( CRAs ) like XXXX, Experian and XXXX have a responsibility to respect the privacy of consumers and only share their information with their consent. 

I am a consumer, and I have the right to make sure that my private information is not shared without my permission. 

The FCRA states that CRAs may only furnish consumer reports " in accordance with the written instructions of the consumer to whom it relates. '' ( 15 USC 1681b ( a ) ( 2 ) ). 

However, neither XXXX, Experian nor XXXX has my written consent to furnish my information. 

Therefore, I am revoking any and all consent that I have given to these CRAs, whether verbal, non-verbal, written, implied, or otherwise. 

The FCRA also states that financial institutions may not disclose nonpublic personal information to non-affiliated third parties unless the consumer is given an explanation of how to exercise their nondisclosure option. ( 15 USC 6802 ( b ) ( c ) ). 

However, the financial institution that furnished my information to XXXX, Experian and XXXX never informed me of my right to exercise this option. 

In addition, the FCRA prohibits CRAs from making consumer reports that contain " any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. '' ( 15 USC 1681c ( a ) ( 5 ) ). 

However, XXXX, Experian and XXXX are reporting an adverse item of information about me. 

This is a violation of the FCRA. 

Finally, the FCRA requires CRAs to maintain " reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' ( 15 USC 1681e ). 

However, XXXX, Experian and XXXX are not maintaining reasonable procedures. 

They are repeatedly furnishing my information without my consent, and they are furnishing information that is more than seven years old. 

This is a violation of the FCRA. 

I am opting out of XXXX, Experian and XXXX reporting services. 

I demand that they immediately remove my information from their databases and cease furnishing my information to any third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of today, I am in receipt of the letter sent to me on XX/XX/2022. File number XXXX which by the way, I had to get my XXXX speaking neighbor to translate for me. Because I do not speak the language The correspondence stating that the disputed accounts have been verified is unresponsive to the complaint that I submitted with the CFPB on XX/XX/2022, complaint # XXXX. 
this company is once again using one of their XXXX tactics to stall and intimidate. In order to avoid sending me the documents that I specifically requested. 
In my former complaint to the CFPB, I stated that I requested proof of my consent, in regards to the following accounts ; XXXX XXXX XXXX partial acct # XXXX XXXX XXXX ; Partial acct # XXXX. 
15 U.S.C 6802- Obligations with respect to disclosure of personal information ( B ) The consumer is given the opportunity, before the time the such information is initially disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

XXXX 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  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute the inaccurate reporting of a late payment on my credit report. The account in question, under the name XXXX XXXX, is erroneously listed as having a late payment for XXXX. This is incorrect, as the payment was made on time and in accordance with the accounts terms. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of consumer reporting agencies to ensure that all information reported is accurate and complete. The reporting of a late payment on this account is neither. This account has never been late, and the record must reflect that fact. 

I have enclosed a copy of my credit report highlighting the disputed item. I demand that you investigate this matter thoroughly, correct this inaccuracy, and delete the erroneous late payment from my record without delay. 

Please provide written confirmation of the results of your investigation and any corrective action taken.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with necessary proof of investigation
Product: Vehicle loan or lease

Had a car financed through Autotrakk in XX/XX/XXXXfor {$18000.00}. Paid majority of balance with a perfect payment history with {$710.00} balance remaining in XX/XX/XXXX. Had some financial woes due to illness. Tried to work with company to pay off balance, they repossed car without warning. Company who collected the car towed the car on two wheels with no key and wheels locked. Car was taken to a city 2 hours away from where I live which prevented me from getting my possessions out of the car. They sold car without my knowledge or even informing me so I could never get my things. And instead of subtracting the profit of the sale from my balance, they increased my balance to show {$1500.00} owed on my credit. Recent call on XX/XX/XXXX with rep XXXX confirmed the accurate balance of {$710.00}. But each time I tried to dispute balance on my credit they made no changes or correction to the balance. Paid off account for {$380.00} on XX/XX/XXXX. But I'm sure car was sold for more than what my remaining balance was amd they never gave me the opportunity to get my car back when they initially took the car! That was unfair and should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$2000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 35 of the attached credit report. ) I fortunately did NOT have to make a visit to the emergency room in XXXX, 2019 as is being reported. I have attached a copy of my identification along with a copy of my insurance card for reference. This collection has been falsely attached to my credit report and this inaccurate reporting is seriously harming my credit score. Please remove these line items from my credit report.
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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I requested my XXXX XXXX report on XX/XX/year> and noticed that some things are inaccurate and incomplete. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, lf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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: Credit reporting, credit repair services, or other personal consumer reports

Hyundai Motor Finance discriminated against me because I am an XXXX American woman. They falsely reported my car payments to the credit bureaus as being in default and their illegal repossession of the vehicle after all my payments were current! I no longer wanted to do business with this scamming company and I paid off the loan and cut ties to them! Since XXXX they began reporting false negative payment history on my credit reports! I have disputed this and to no avail nothing gas changed! Hyundai with their ongoing discrimination and targeting XXXX American customers reported to credit bureaus fss as law information they even reported I took my lisn through Kia Motor Finance to cover up their discrimination towards me and to ruin my credit! To this date I am unable to get a place to live because of XXXX false information! The credit bureaus refused to remove this false information off my credit report! I never signed any loan documents for XXXX XXXX XXXX! XXXX did this to cover up their fraud and discrimination and not posting my payments on my account in an accurate way. I am facing homelessness due to Hyundai Motor Finance ruining my credit! I do not owe them I paid off the loan in XXXX and sold the car in XXXX! I need help to get compensated for what Hyundai Motor predatory lenders did to me! I was charged a higher interest rate because I am XXXX American and they mishandling of my account plus their false information to the credit bureaus that I took a loan out under Kia Motor Finance to cover up their discrimination and fraud! Please fine them all in lithe Credit bureaus. Thank you
Product: Debt collection

I received a settlement offer on a file managed by XXXX XXXX XXXX. I settled and thought the matter was solved. Turns out I had another account that was taken to court. When I called/emailed to ask about it, I was given confirmation of the other account being settled. I emailed to get details and if I could get a settlement offer. The company has refused to communicate back with me about options to settle or to even discuss the account. The representatives are never available, I've left voicemails and emails and believe I only received one call back and when I returned the call, again they were not available. 

The agent 's names are XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account is listed as a collection and charge off with a PAST DUE BALANCE of {$10000.00} This is a violation of the FCRA and is in violation of requisite METRO 2 Compliant reporting standards. As well as is in violation of 15 U.S Code 1681eb. The reporting party did not provide/send me a 1099c in regards to them claiming the debt to the IRS. The reporting company has reported to the IRS as well as on my consumer report they charged off the account. This is in violation as they have already claimed and received the remaining balance from the IRS.

By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer ; Account Name : XXXX XXXX XXXX XXXX Account Date : XX/XX/2015 You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response. 
Thank you
Product: Student loan

My loan was transferred to XXXX XXXX by my college. XXXX then became XXXX, and since then I am unable to access any account information. Their website has stated that the login function is " temporarily unavailable '' for over 4 months. I can log in by using the " change password '' function, only to have no accounts displayed. Calling in also results in being told there are no accounts under my social security number. 

I am thus unable to view my current balance, method of payment, or any account information at all. Research shows that it is a common problem. I should not be completely prevented from obtaining information related to my loans if XXXX wishes to be the servicer.
Product: Mortgage

I am summiting this complaint for the reason that Freedom Mortgage has not giving me a decision. I summited an appeal since XX/XX/2016 and I have called many times Freedom Mortgage for an update and they just keep telling me that they are waiting on a ( Tittle search ). I am afraid I wo n't be provided a government modification do to them prolonging my case. I had to challenge them with my appeal because they were not using all my income and also the expenses they had were wrong. I am in desperate need of assistance, I need to know what Freedom Mortgage intentions are, if they are really helping me so I can keep my house with an affordable mortgage payment. Due to my house is severely under water. Or if they are purposely prolonging my case because at the end of this year all government modifications will be over.
Product: Checking or savings account

Despite Regulation D being lifted, XXXX XXXX through Webster Bank has charged me two savings excess withdrawal fees ( {$40.00} on XX/XX/XXXX and {$60.00} on XX/XX/XXXX ). The first one I tried removing after talking to them, where they claimed Regulation D was not in effect. As I did exceed 6 transactions, I did not push further. However, I was charged {$60.00} a second time for this past cycle. This time I did NOT exceed 6 withdrawals. While there were more than 6 transactions, these were microdeposits and withdrawals for external account verification which resulted in {$0.00} being taken out. Even if Regulation D was not in effect, these should not be counted ( and indeed I have never been charged such fees for microdeposits with other banks when Regulation D was in effect ). I believe I made only 4 real withdrawals which resulted in money being taken out and not being immediately returned.
Product: Credit card or prepaid card

Synchrony Networks C/o XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company has fraudulently charged me with nonsense fees and late charges. 
I had been paying the installments every month regularly and have already paid more than the principal amount. 
After closing the account they still keep fraudulently charging the fees. 
This needs to be stopped.
Product: Credit reporting or other personal consumer reports

hello. hope this message finds you well. 
I am experiencing repeated credit freezes/locks. 
in XXXX of XXXX I was first unable to use my credit to sign for a vehicle agreement. 
I contacted all three credit reporting bureaus over the summer of XXXX to confirm that my credit was not frozen or locked. as some of the credit bureau interactions were through automated phone trees, I could confirm that all freezes or locks were removed without being able to confirm any information about any freezes or locks. 
today, XX/XX/XXXX, I was informed by the XXXX app that I was unable to use their services to make a purchase due to information from my credit report. 

please assist in clearing any locks and freezes, and please let me know how I can keep my credit clear from these in the future. thank you so much!
Product: Checking or savings account

I opened a checking and savings account with Citibank on XX/XX/XXXX. I made the required deposit amounts to take advantage of their sign up bonus. 

I followed up with their customer service through their message system in XX/XX/XXXX as it was well over the 90 ( three month ) period they stipulated as the requirements for agreement. I was confirmed that I was to receive the sign up bonus deposit on XX/XX/XXXX. The time came, and nothing was deposited. 

I followed up with their customer service again through the banks message system around XX/XX/XXXX. This time they stated that the deposit would be made before XX/XX/XXXX, but to allow up to XX/XX/XXXX. 

I contacted the customer service once again today, XX/XX/XXXX, for follow up and now they have run out of excuses. Now there is a delay with their department. 

It is now XX/XX/XXXX and I havent received the terms as agreed upon. I did everything to hold my end of the agreement. They have have more than enough time and opportunities to avoid any delays. 

I also had the history of the correspondence on the allocation. However now that I am trying to retrieve it, Citibank has wiped the information when I was in contact on two separate occasions after.
Product: Debt collection

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible.
Product: Payday loan, title loan, or personal loan

I qualify under Federal Guidelines for a PPP loan as a XXXX XXXX. However, I am unable to apply for a PPP loan at my bank [ Suntrust ] because i don't have a " Business Account '' with them, even though I have been a Suntrust Customer in good standing for many years and currently have several Bank accounts as well as a Credit Card and Mortgage with the Company. Over a year ago i was advised by my Suntrust Account Manager when i inquired about a Business account that my business didn't really have a need for the services that provided. But now i am being denied the ability to apply for a loan that i very clearly qualify for because i don't have an account that i was ADVISED NOT TO GET. This is money i qualify and that my business Desperately needs. This is VERY frustrating as i don't know where else to turn to apply for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection was placed on my credit in error. This collection is fraudulent. I have been trying to remove it for months. This collection has not been investigated. I need this to be deleted.
Product: Credit reporting or other personal consumer reports

Recently checked my credit report I noticed I have been a victim of identity, theft found one credit inquiry I have no knowledge of here that inquiry on XXXXXXXX XXXX please remove that fraudulent inquiry from my credit report.
Product: Checking or savings account

I am disputing a charge for {$90.00} on XX/XX/2023, under " misc fees ''. I have since called daily, sometimes twice a day without a resolution. They explained that those fees were charged in error as part of another claim ( XXXX ). That claim was for {$18.00} and was resolved, however, the {$90.00} miscellaneous fees has not been resolved. 

What is happening is that the bank keeps checking that claim and saying it is resolved but does not want to address the {$90.00} that they charged me. I have asked for a direct number or fax but none have been provided. 

Below is a copy of the email I sent the bank. 
Dear Citizens, I am writing about a dispute that was incorrectly processed. I have called over 6 times in the past week and received two letters from citizens, but no one will resolve this. If you look at the claim, it will say it is for {$18.00} and you see that XXXX issued me a credit. That is not my issue. YOU deducted {$90.00} on XX/XX/XXXX under " Misc charges '' which was an error in resolving this dispute. I am asking you t credit me back my {$90.00}. 
I ask that you please review the XX/XX/XXXX translation for {$90.00}, not the {$18.00} charge. Please refund my {$90.00} or give me a justification for it. 
Thank you, XXXX XXXX Disputed amount {$90.00} XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First Progress is reporting false information and have failed to remove the item off my credit although I paid the balance as agreed for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I notified EQIFAX, XXXX XXXX and XXXX of a Charge off that has been on my account past the statue of limitations. They have taken no action and the charge is still on my credit report. The charge off in question is from XXXX XXXX XXXX Account # XXXX Amount XXXX with a charge off date of XX/XX/XXXX.