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

I called Ally on XX/XX/XXXX regarding the late charges of XXXX on my account due to the last car payment was made on XX/XX/XXXX. I advised that I wanted to see if the late fees could be reduced somehow due to COVID issues. The customer care professional advised that my loan was PAID IN FULL and I would recv my title in the next 10 days. 

After not recv my title I contacted ALLY and advised that I had not recv my title. 

XXXX advised that there still showed an existing balance. 

I advised XXXX that the customer care advise that this account was paid in full and he said that give him 3 days to provide feedback after the call was reviewed. 

The call was reviewed and confirmed that the customer care person advised that this account was PAID IN FULL XXXX advised that the account we be sent over to the complaints due to this issue. 

XXXX SUPERVISOR called back and advised that he would need to send to manager because he did not have the ability to waive that much in late fees. 

Manager never called me back. 

XXXX from the charge-off department called on XX/XX/XXXX and advised that there is no notes at all to reference any of the above calls and she has no idea about the above. 

XXXX escalated to XXXX the supervisor and he advised that he could not access the system with the notes and the best he could do was provide 15 % off the late fees. 

I advised that I would escalate this issue to CFPB and the XXXX 

I have been getting the run around and no one taking accountability for the inaccurate information that was provided by ALLY.
Product: Checking or savings account

I contacted them a few times and they requested I send over 30 pages of documents and would not process funds as original requested. When I left XXXX now XXXX XXXX I filled out a roll over form for all my retirement accounts. They send half to my managed 401k and then for some reason sent the other half to Citibank and converted it to a Roth. I have asked them to undo this and fix it but they refuse. Then they have asked me for 30 pages of documentation and refuse to provide me access. This should be a one page roll over form and proof of identification but I feel like this is a scam to manipulate and then deny me access to my money.
Product: Debt collection

National Credit Systems is ruining my credit reports for XXXX XXXX XXXX. This balance should have been collected from my guarantor company XXXX rent but XXXX place did submit their claim the correct way now they have given the balance to a collection agency that has harassed me threatened to take me to jail and called my family. The company also has reported the collections account three times on the same credit report. The are making life hard for me and scarring me.
Product: Credit card

Dear Sir/Madam, I am writing to complain about the AMEX Platinum Card. Seeing the offer that spending {$3000.00} within the first 3 months I can get XXXX Membership Rewards points, I applied for this card in XXXX 2016. ( Detailed offer description image is attached. ) I spent {$6100.00} including {$450.00} annual fee, {$1100.00} refund which was a helicopter tour canceled by the agent due to bad weather, and {$20.00} XXXX gift card which I really sent to someone as a gift. Deducting these XXXX items ( {$450.00} annual fee+ $ XXXX {$20.00} XXXX gift card ), I still spent {$4500.00} in the first 3 months, which is much more than what the offer requires and I got XXXX MR points as soon as the third statement came out. ( Detailed statements for the first 3 months are attached. ) However, I was surprised to find that my MR points were adjusted for XXXX points on XXXX/XXXX/2016 without any notice from AMEX. I tried to call the customer service many times but each time I got the same response that I need to wait for 6-8 weeks for reviewing without knowing the reason. No feedback is given so far. 
I think I am definitely qualified for this offer and AMEX has no reason to take away my MR points. Therefore, I am hoping that AMEX can return the XXXX MR points that I deserved. Thanks!
Product: Credit reporting or other personal consumer reports

My account with XXXX and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I've reached out to the credit bureau regarding the inaccurate information that is appearing on my credit report as a result of my identity being stolen. Ive reach out to Experian, XXXX  & XXXX and my complaints fell on def ears. The following accounts are a result of my identity being compromised. I never given anyone permission to use my name and social for anything. 

1. XXXX XXXX {$310.00} 2. XXXX XXXX {$440.00} 3. XXXX XXXX {$600.00} 4.XXXX XXXX {$990.00} 5.XXXX  & XXXX {$830.00} 6 . XXXX XXXX {$720.00} 7.XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 6 months that ai have been reaching out to Equifax regarding inquiries on my credit report. I froze my credit report as well. I have a lot of credit cards and I noticed that they companies are increasing my credit limit and pulling my credit report without my consent. I did not apply for any credit line increases. The following inquires on my report are not authorized by me and a I contacted Equifax via telephone also I have sent over dispute by mail and I am still having this same issue. I had another hard pull again that I did not authorize. Hard Inquiries Inquiries that may impact your credit scores. 
The following inquiries were made without my consent I already had open accounts with these creditors PRIOR to these hard inquiries and I have not authorized them to increase my limits or pull my credit file to do so. 

DATE COMPANY ADDRESS REQUEST ORIGINATOR XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX
Product: Student loan

I got two emails over the weekend. One stating that my deferment request had been approved and the other confirming that the payment term of my loan had changed. This was odd because I never filed a request for a deferment. When I logged into my account, I immediately noticed that my balance had dropped by almost {$6500.00}. Obviously this is great, but I wanted clarification. I called into Navient today and asked A : why was I granted a deferment in which I never requested and B : why has my balance dropped such a significant amount overnight? I was given no definitive answers and was told that they had just received notification from my college that I was no longer a student there. I graduated XX/XX/XXXX. I asked for a copy of that letter and was told that it could not be provided as it was internal use only. They confirmed that my new balance is a correct balance but gave me no answers to my questions. This obviously is startling. It makes me question the legitimacy of this company I 'm paying on a monthly basis to track what I truthfully owe on my loan. How can I trust that this is correct? When looking at statements, I also noticed that even after paying more than the minimum payment amount, my balanced barely moved. You would think that it would reduce the amount owed quicker, however, the balance seemed roughly the same. I just want answers and I want to be able to trust the company I 've been paying for over 10 years on the first of every month religiously. I 've attached my statement as of XX/XX/XXXX as well as my new statement as of XX/XX/XXXX and the deferment approval letter that I got even though I never applied for it.
Product: Checking or savings account

In XXXX of XXXX I had unauthorized transactions take place on my XXXX  account from the company XXXX XXXX. I disputed these transactions with the bank, they did their investigation, determined the transactions were unauthorized, and refunded me my money. I explained to them that I did not use XXXX XXXX and requested that this company be blocked. They said they would. Then on XX/XX/XXXX, the unauthorized transactions from this same company started again and continued thru XX/XX/XXXX. These transactions totaling approximately {$7200.00} being taken from my account. XX/XX/XXXX or XXXX when I checked my account and noticed the transactions I called the bank and made a claim. I was given claim number XXXX. After not hearing anything for XXXX weeks I called to follow up. I was told that my claim was denied because there had been previous transactions with the company in the past. I asked what transactions they were referring to. I was told the transactions they wer me talking about were the ones in XX/XX/XXXX that had already been successfully disputed and ruled by them to be unauthorized. I explained to them This and asked why this company was not blocked as I requested. I wasnt able to get an answer. I asked how they could use transactions that they themselves labeled fraudulent to now say Ive had previous dealings with this company. I couldnt be given an answer. I asked that it be escalated which the did. After several follow ups I was told to submit my XXXX a second time by XXXX Which I did on XX/XX/XXXX after they claimed not to have received it the first XXXX times. I called to verify theyd received it and I was told Id hear something in XXXX days. I waited until the end of XXXX now without hearing anything before I called beck to be told that they have no update and I would be contacted by someone. However Ive never been contacted the XXXX times they told me that. Now it is may and I still havent heard anything.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX. {$370.00}, XXXX XXXX. {$2000.00}, US Dep Of EDXXXX XXXX XXXX {$45000.00}
Product: Credit card

I have setup recurring payments with my bank and Synchrony has received them. They are changing payment dates and reflection double payments in XXXX payment period and then saying I have not made payments and requesting fees. They are changing due dates for payments, not sending any notice of change and their online systems are never work so I am unable to every get any information about my account in any way. They only function the phone systems provide it to make a payment but nothing else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX A XXXX A XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is continuing to to show that I was late back in XXXX of 2018 when in fact, I was not. I submitted the payment before the account would be considered 30 days past due. However because of the payment cycles, XXXX applied the payment to the following month, instead of making the payment to current month that I originally made the payment. I have called this institution several times, and all they could do is send me statements. Even though XXXX is the CREDITOR they cannon change the information that the CREDITOR provided. Even when I disputed with the credit bureaus, Equifax, XXXX  and XXXX kept saying that the information was verified. So if the information was verified, and in fact not 30 days past due, then why is it still showing up on my credit report? This is my frustration.
Product: Payday loan, title loan, personal loan, or advance loan

I signed up for Alphaeon 's 24-month interest plan back in XX/XX/2021 for my XXXX XXXX. After receiving my credit card, I created an account and signed up for automated payment with the expectation that at the end of the 24 months, my balance should have been paid off. 

Today, I logged into the website spontaneously to check if my balance had been paid off. To my surprise, I found my balance was {$4000.00}, which struck me as odd since my starting balance was only {$3700.00}. Over the course of two years, I diligently made payments, yet somehow my current balance exceeded the initial one. Even more puzzling, I've been accruing interest charges for the past XXXX months on what was supposed to be an interest-free credit card. 

Upon delving deeper, I discovered that my 24-month interest-free promotion ended in XX/XX/2021. The company had stealthily applied a staggering accrued interest of {$1700.00} to my account. This situation feels particularly strange because all the other credit card companies I've used for installment payments typically ensure the balance is paid off by the end of the promotional period, especially when automated payments are set up. 

After contacting Alphaeon customer service, I learned that the monthly payment I initially set up wasn't sufficient to clear the balance by the end of the promotional period. Despite explaining the situation, the customer representative informed me that the accrued interest of {$1700.00} couldn't be waived. I emphasized that this was a result of miscommunication and suggested that the automated monthly payment system should calculate this for the customer, as is common practice with other credit card companies, to prevent such oversights. However, the customer service team remained adamant and refused to take any action. 

Further research revealed that this issue is widespread among Alphaeon customers, with many experiencing unexpected interest fees totaling thousands of dollars.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request the removal of several hard inquiries from my credit report that I do not recognize or authorize. In accordance with the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and fair credit reporting. Given that these inquiries were neither approved nor consented to by me, I am disputing their legitimacy and requesting immediate action for removal. 

Unauthorized Hard Inquiries : Bank XXXX XXXX - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Removal Request : According to the FCRA, only authorized and accurate XXXX should be reported on an individual 's credit report. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency XXXX only furnish a consumer report if it has a permissible purpose, which includes instances where the consumer has authorized the inquiry or initiated a transaction. In this case, I have neither authorized these inquiries nor initiated any transactions with the entities listed above. 

Additionally, FCRA 609 ( a ) ( 1 ) entitles me to know the purpose and parties involved in any credit-related transactions or inquiries. Since I did not consent to these inquiries, they violate my rights under this statute. Case law, such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), establishes that credit reporting agencies are responsible for maintaining the accuracy of consumer reports and must take prompt action to investigate and correct inaccuracies once notified.
Product: Credit reporting

I have disputed several times and have not gotten the results I wanted, and the customer service staff was n't any help in assisting. Please remove ALL address off my credit report EXCEPT : XXXX XXXX XXXX, XXXX XXXX, FL XXXX And please correct my name on file to : XXXX XXXX. 

No other names or addresses should be on my credit report. 

Thanks.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$1700.00} XXXX XXXX I have reported this account numerous times because it's fraud. I don't know nothing about this account. 


XXXX XXXX XXXX XXXX XXXX ) {$600.00} Reported on my report XXXX XXXX I know nothing about this report because I'm not aware of it.
Product: Credit card

I made a purchase using the XXXX 's XXXX XXXX XXXX XXXX XXXX credit card on XX/XX/23 for {$1400.00}. It was set up for paperless statements, and the first statement went to spam and I missed it. I logged in to check on when the payment was due on XX/XX/23 and saw I had been charged a late fee. I called and explained, and the late fee was waived. I searched the entire website to try and find auto payments and alerts to avoid this problem in the future. There were no options available on the website for this, so I set up manual monthly payments in the amount of $ XXXX, well above the minimum payment due. 

My error was that I set the first payment for a month out, which was 5 days after the due date each month. I thought I had set everything up correctly. I went to the website today to check the balance, and saw that I had been charged {$41.00} in late fees and {$2.00} in interest charges every month since May. I never received a late notice, either written or email, and the statements for this account went to a spam/junk folder. 

I feel the website is intentionally set up in such a way as to deter customers from protecting themselves from late fees and interest charges by not making the auto pay and alert/notification options available. When I contacted the company to explain what happened and ask them to waive the late fees, they refused. I am out {$210.00} in late fees.
Product: Checking or savings account

Citi bank savings account was closed without prior communication. No access to account and I was told a check will be mailed in 30-60 days. Several calls where made to the bank but no one gave a reason and no one could expedite the process to receive a check.
Product: Credit reporting or other personal consumer reports

its 9 different addresses that dont belong to me these addresses are nonmailable 39usc3001, the adresses is XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX XXXX ill XXXX XXXX XXXX XXXX XXXX XXXX ill XXXX, XXXX XXXX XXXX XXXX XXXX ill XXXX, these addresses are not mailable my address is XXXX XXXX XXXX XXXX XXXX XXXX