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

on the sale of the car nissan took over 30 days to pay off my existing loan with themselves ( old car trading in for new car both where financed through XXXX XXXX ). on the first payment they charged me for the old car and new car. took them over 60 days to figure out what happen and was suppose to have corrected my account. later in the first year in of the loan, i want to say it was XX/XX/XXXXthey say i missed a payment. i sent them my bank account info showing the payment went through at least 3 times over the next 90 days. they kept calling my phone every 30 days saying my payment was late and we would go over the same deal, i would send them the payment info. i was insured my account would be fixed if i sent in the bank statement. 

today i logged on to the site to pay of the loan and now i owe XXXX in late fees, their agent tells me my account is now in collections. i have bank records showing for each month nissan has automatic withdrawal from my account for the monthly balance. 

i am at the point i want to peruse legal action against XX/XX/XXXX, i have done everything i can to satisfy this loan in good standing but they have obvious system issues and are now causing undue hardship
Product: Credit reporting or other personal consumer reports

I just reviewed my credit reports again and I can still see the inaccurate information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality. I'm a victim of Identity theft and this information is not mine.
Product: Credit card

I called last Thursday on the XXXX to cancel a payment when I realized funds would not arrive in my bank account for a payment on the XXXX. It's the XXXX and the payment was taken out including XXXX XXXX that was transferred into there for dog food and groceries to last until the rest of the week. That payment is pending and they wouldn't cancel it. I specifically called to cancel it days before and they verified that I wanted it cancelled and then told me it was cancelled. Now it's days later and they made it go through pending without the funds in there despite the cancellation. Plus it took the funds for food and dog food I had {$50.00} transfered into my account for the week. I called back and they won't do anything but apologize.
Product: Debt collection

Complaint against : Forster & Garbus LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Upon receiving a letter from this law firm on XXXX XXXX, XXXX and phone call made on this matter of judgement/execution for asset acceptance of incurred credit card opened in XXXX with a payment made in XXXX, I wrote a formal letter to this law firm for false claims and harassment in the form of wage garnishment that included my employer 's address. I have declared myself a victim in concerns with Forster & Garbus LLP actions and highlighting their illegal actions under the FDCPA guidelines concerning to collect with submission to ownership on a time-barred debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit Report of XX/XX/2019 derogatory remarks removed by XXXX with the communication of XXXX XXXX XXXX. 
I marked with word of delete for Credit Reporting agencies to delete negatives and for evidence for XXXX that negatives of my Auo loan # XXXX was removed by XXXX. 
XXXX administration made communication with XXXX to delete derogatory from my credit Report for XX/XX/2019.
Product: Debt collection

My ex husband was a XXXX. He drove to work and parked on XXXX and XXXX XXXX and everyday he received a parking ticket. He hid everything from me, and when I found out I made him promise that he would pay it. When we separated in our separation agreement we noted that it was not my responsibility to pay the debt and that it was his responsibility. The agreement was signed and notarized, making it a legal document. He has not paid a cent toward the balance and it is on my credit. Because he legally took responsibility of the debt that he accrued in my car that was registered to my name, I would like to remove these infractions from my credit report. I have attached a unsigned copy of our separation agreement. If the signed XXXX is needed please advise me and I will have my attorney forward it to you.
Product: Debt collection

Paypal has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting

Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account, because ( according to XXXX XXXX ) a different name was showing up under my Social Security, So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit, why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen, Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested multiple times thru online disputes with Experian to correct my personal information on my credit report and I have never gotten a response or resolve.
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 that the account is accurate, without providing any evidence of a thorough investigation. The practice violates the Fair Credit Reporting Act which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Payday loan, title loan, or personal loan

I have been with Mobiloans for 4 years and through their reward program, I earned the status of Diamond. Diamond status would allow me to receive an 80 % discount on fees. As of XX/XX/2018 the fee discount will be reduced from 80 % to 65 %. My fees were {$22.00} every two weeks and now they are {$38.00} ( an increase of {$16.00} ). I called Mobiloans on XX/XX/18 and inquired about the increase that I noticed on the website. She advised me that everyone has to pay the increase. I called again today, XX/XX/18 because the fees are too high and will take me longer to pay off the loan. The first representative tried to tell me that there was an opt-in or an opt-out and the time has passed to select either. I told the representative that I had no knowledge of an option at all. And at no time did the representative advise me that their was an opt-in or opt-out from the XX/XX/18 call. I asked to speak with the Supervisor and I was connected to XXXX. She told me that she would review the call from XX/XX/18. XXXX advised me that they will not be able to change the opt-in or opt-out since I didn't give the representative at the time my choice. I reiterated to XXXX that I was never given a choice and I believe this to be deceitful and I plan to file a complaint with the CFPB. She then advised me that she would send it over to her legal department. I never received an email regarding the increase either. Nor did the website advise of an opt-in or opt-out.
Product: Money transfer, virtual currency, or money service

Zelle issues with fraud payments without warning and no way to get money back since 2017
Product: Debt collection

I took out a payment plan in XXXX of 2017 with the University of XXXX, and paid that off in full at the beginning of this year in order to apply to XXXX XXXX College. I  never took out a federal student loan, and this is saying that I owe {$4000.00} which is almost the exact amount I paid to University of XXXX. I don't understand why I have a federal student loan on my credit report because I never filed one. I don't know what paperwork I need to attach, since again, I did not ever take out a student loan. It's always been payment plans that have been paid off. I do not owe any money to any institution other than XXXX right now, and I refuse to pay XXXX dollars to the feds when I didn't even get to finish my semester due to Hurricane Harvey and lack of transportation and housing. Please let me know what my next steps are. I need this off of my report ASAP.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters regarding inaccurate information on my credit report, but the issues persist. Recently, I conducted an investigation of my credit report and discovered unverifiable, invalidated, inaccurate, and questionable items that your agency failed to report accurately. This has caused me XXXX  distress and XXXX. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. The accounts in question violate FCRA regulations, specifically under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which mandate complete accuracy in reporting. 

Attached are copies of all correspondence sent regarding this matter. I urge you to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as required by law.
Product: Mortgage

I have refinanced my home, with a payoff date of my mortgage with Ocwen of XXXX XXXX. Although the balance on their website showed as XXXX on XXXX XXXX they still processed a payment of {$1300.00} on this account that had a XXXX balance. Since I was not expecting this I was left {$700.00} overdrawn on my bank account, and had to borrow from another source. This morning when I called them the XXXX person I spoke to got testy with me and blamed it on the title company for the refinance. Luckily I was disconnected from her. I got another gentleman when I called back, and he said he would try to expedite my refund, but that it still could be 5-10 business days. Is that fair?
Product: Credit reporting or other personal consumer reports

I received alerts on my credit monitoring system and noticed a plethora of inquires that i do not recognize and have not given my consent toward. 
This is a violation of 15 USC 1681B : permissible purpose of consumer reports, and must be deleted immediately. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION
Product: Student loan

I have a total of 5 loans. Two are in my now deceased mother and my name, One is just in my name, and two others are in my father and my name. Since my mothers death we contacted Salle Mae and asked about if there could be in reduction due to not having an income to support the loans initially made. The total student loan debt originally was over 150k. They told us no, the did lower the interest rate for a period but what we missed was while we paid the lower interest rate they added the difference in rate to the balance. As you can imagine, that was not helpful. Since we realized they were doing this we went back to the standard rate but in order to pay these loans I have to have my father pay two of them himself because I can not afford all 5. My father is ready to retire and this over {$800.00} a month payment is extremely difficult and puts a strain on our relationship and pressure to me. He will be on a fixed income and straddled paying my debts and debts acquired when my mother and he were financially separated because I can not afford the payments on my own. When we contacted SallieMae on her death the only consideration was to remove her name from the loans and make me fully responsible ... that was not helpful. They offered no reduction and again only a temporary interest rate reduction that only added to the outstanding balance. Which I felt was pretty shady. 

I looked to refinance the loans but because they are SallieMae they are not eligible to due so. I am left with a HUGE debt that I will be saddled with for several decades if not longer. They really offer no solution that is doable to reduce these costs and I am at my wits end trying to keep up with the payments. 

These loans and the costs of them were not laid out properly to me when I was in school and I had no idea of the amount of debt and time to pay this off would be. In addition, the death of my mother whos income was over 100k prior to her death has added additional stress. SallieMae has made no solution available that does not just add to the balance and continued repayment term.
Product: Vehicle loan or lease

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 it also states a consumer report agency can not furnish an account without my written instructions. Under 15USC 's 1666B a creditor may not treat a payment on a credit account under an open end consumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I would like to dispute off the following items from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax after I found a collection account on my credit report with no information ( no account # or Creditor name ). I asked them to delete it for posting this account with incomplete information which is a violation. Instead of deleting the account they added the missing information which is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my 3 credit reports I found several inaccuracies. I decided to write a letter of dispute to them all. Initially XX/XX/XXXX ( this is the date that the letter was delivered to EquifaxXXXX ) was the first letter of dispute that I mailed disputing hard inquiries showing on my credit report. They came back explaining to me " how '' queries are inquired. I then sent a second letter of dispute for the same which was delivered to them on XX/XX/XXXX and again I received the same reply from them. Not sure what else I can do to get these inaccurate queries off of my report as they are hindering my status. Please advise /assist. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I know that Under 15 U.S. Code 168li ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 informationm 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.
Product: Credit card

I am extremely frustrated and disappointed with the service I received from Capital One. A hotel booking was mistakenly made through the Capital One XXXX portal, and as soon as I noticed the error, I immediately contacted Capital One to request a cancellation. Shockingly, I was informed that there was no way to cancel the booking. Determined to correct this, I went back to the website myself to cancel the reservation. 

After successfully canceling it on the website, I called Capital One again, only to be told that not only will I not receive a refund, but I also can not reinstate the reservation. This means I am now facing a {$1000.00} charge for a hotel room that I can not even use. It is both unreasonable and unacceptable that I am being held financially liable for a booking that I can not even benefit from, despite taking immediate action to resolve the issue. I expect immediate assistance and a resolution to this highly distressing situation.
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice several hard inquires.
Product: Credit card

I was victimized by an XXXX scammer for {$960.00} in XXXX Seller used the familiar " send a dummy blank envelope '' to the same zip code as the buyer, and provide XXXX XXXX confirmation which ONLY shows delivery in a certain zip code, no actual proof of delivery, no signature. Reported fraud to SANTANDER, filed chargeback as " merchandise not received ''. Received letter days later claiming " no evidence of unauthorized transaction, matter closed ''. Clearly agent filed it wrong. Called again, spoke with supervisor who assured me they would review the initial phone call and fix. Despite being assured by agent a call back would ONLY occur after XXXX, " XXXX XXXX leaves a voicemail at XXXX AM this morning, with the lie that " the agent filed it properly '', and the " merchant proved the merchandise was delivered '' ( more horse manure ). Having previously been through this same process with XXXX, I know the next step is filing a signed paper stating NO MERCHANDISE has been received, at which time the merchant does not respond, and the money is returned. SANTANDER seems to be an absolutely shady bank which does not have the backs of it's clients.
Product: Credit card or prepaid card

received a letter dated XX/XX/21 from synchrony bank telling me that they reviewed my account after it has been opened for over a year, telling me that the decided to close my account based on the amount of inquires on my credit report, not enough available credit on revolving accounts, lack of first mortgage account information. 
this is detrimental to my credit report and I never requested this account to be closed
Product: Debt collection

I received a collections notice on my recent credit reports for an account I never owned and never received a bill for. I disputed the account once but the collections remains on my reports after comments from the creditor. I believe my social security number was fraudulently used to open this account in another state. I have no knowledge of this company and have never opened an account with them. I have impeccable credit and have never defaulted on a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX thru XX/XX/2017 I was a victim of idenity theft. Someone wire frauded money out of my checking account therefore making me 2 months behind on my mortgage. I have filed a FBI report and a XXXX XXXX Police Department report ( report # XXXX ) I'm asking XXXX XXXX to remove all the 30 days past due on my credit report to all the credit bureus. I can provide a copy of police report if needed.
Product: Checking or savings account

I opened an account with Chime ( based in XXXX XXXX ) in early XXXX because the interest rate was higher than my other savings accounts. I then transferred funds ( {$100000.00} ) to that account from a different savings account. Chime accepted the transfer but then demanded I send them private, personal information before they would give me access to MY money! I explained in writing the situation but they still demanded private info. I called and they couldn't ( or wouldn't ) explain why they needed my private personal info and when I asked to be transferred to a manager or supervisor, they put me on hold for an absurd length of time and then the call disconnected. Since I will not share private information, I tried to have my other bank pull the funds back but Chime refused. Now I can't even access the account. I want my money back and no one from this joke of a company will explain what us going on here. I need help!
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I looked at my credit report and noticed information that was inaccurate so i sent out a letter to the company for validation of the information concerning 3 accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 45 days has passed and no response from the company, nor did they delete the harmful information being reported and causing me financial harm. I looked at my report and noticed everything was still the same and according to 15 USC 1681 ( I ) ( 5 ) THEY are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information In general If, 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.

According to 15USC 1681 ( E ) ( B ) they are supposed to ensure this ( B ) Accuracy of report. 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 and according to 15 USC 1681 ( S ) ( 2 ) this is supposed to happen ( A ) Reporting information with actual knowledge of errors, A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate I am the consumer and the person to whom this information relates and I am informing Equifax of these inaccuracies so they may be deleted promptly! XXXX XXXX XXXX failed to respond and send the information i requested to prove i owe a debt!
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 XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX - XXXX  ) XXXX XXXX ( XXXX XXXX XXXXXXXX ) 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 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 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.