23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a sears credit card in XXXX, I was told I could use the credit card any where not just the store. It turned out I could n't, I tried using the credit card a week ago and I could n't use it. I spoke to multiple customer service representatives, who where unable to verified my personal information for security reasons after I sent the SEARS the requested documentation they needed. Many of their customer service representatives hanged up the phone on me because they refused to help me in my situation. The company lies about credit cards. The only time I was able to set up an online account to verified that I paid what I paid, that was the only time I had access to the account. Sears demands again all my information and I am not able to even use the credit card. In addition, I was charged {$35.00} fee for late payment because after days and days of calling the company to verified my information, they were rather interested in me paying that doing anything else. They did waived the fee, but it was not until I spoke to a supervisor after mostly all customer service representatives refuse to transfer me to the supervisor. The company lies and opens credit cards that are only good use in its stores, there was no information given nor terms of conditions when I open the credit card, so I do not know how much in interests I am being charges.
Product: Mortgage

Our house has been sold and we requested a payoff statement from AIM Loan for XX/XX/2022. Our payoff statement was issued as good through XX/XX/2022. We had an issue with the sale and the new closing date became XX/XX/2022. On XX/XX/2022, I sent a message stating that our mortgage would be paid off, and making sure I did not need to make any payments since a payoff statement had been requested. AIM responded in the affirmative, that it is policy I did not need to make any payments once a payoff had been requested. On XX/XX/2022 I received a letter that we were late on our payment and had been assessed a late fee. My husband called AIM to tell them that we had already checked about not paying this month since there was a payoff coming. The AIM customer service person was obstinate that if they did not receive payment by XX/XX/XXXX, they would be reporting to our credit and they had already assessed a late fee. Now AIM wants to report to our credit that their payment is 30 days late and assess us a late fee and charge us an extra {$500.00} or so. They have refused to hold to their previous statements or their own policies and are simply trying to steal even more money from us.
Product: Credit reporting or other personal consumer reports

15 usc 1681 - 12 CFR 1022. EXPERIAN HAS KNOWN ABOUT THE ONGOING IDENTITY FRAUD AND ABUSE OF MY CREDIT REPORT THAT THEY CONTINUE TO KNOWINGLY FURNISH THIS HURTFUL AND DOWNRIGHT DEBILITATING INFORMATION TO KEEP MY CREDIT FROM RAISING. AND MY ONCE XXXX XXXX score went to XXXX and now its barely at a XXXX and should be over XXXX if they would delete the missed payments and or the XXXX  XXXX and XXXX accounts off my report. I have files and proof of over 70 inquiries and fraudulent accounts that they started delete but let them return over and over again. Im sure that Experian is part of the Fraud and am reporting them to IRS and filing a XXXX Audit since they think its ok to abuse consumers and make billions on high interest rate kick backs from their non affiliated corporations they furnish our information to. Stop Immediately furnishing the 10 inquiries that are non account bearing and delete the XXXX and XXXX XXXX accounts off my credit report. Thank you
Product: Credit reporting, credit repair services, 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  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. 

They have marked my account with a charge off and a derogatory mark. My visions credit card was reported with unauthorized use and I had ordered a new replacement card that never was delivered. The account as of XX/XX/2023 is paid off. 

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: Debt collection

I was looking over my credit report and I noticed that a few 30 days late payments that were supposed to be removed ON MY ACIMA CREDIT FKA # XXXX the dates were XXXX. My income was affected due to the COVID-19 Pandemic shutdown. I am trying to move and this late mark is preventing me from moving into a new apartment and buying a new car. I was under the COVID-19 SHUT DOWN .The CARES Act calls these agreementsaccommodations.
Product: Credit card or prepaid card

Received a call from the cc company asking for payment. Triggered me to review my credit ret & saw this card opened without my knowing.
Product: Debt collection

Company is called XXXX. They have called repeatedly about a debt they believe I owe. 

I have sent this communication to them via email " I XXX Dispute the Validity of Debt Account # XXX for {$690.00} The creditor is XXXX XXXX XXXX XXXX Service DAte : XXXX "
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of certain accounts and an inquiry on my credit report, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items blocked and removed from my credit file. 
The specific accounts and inquiry that need to be blocked and deleted are as follows : Accounts : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$91.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$1000.00} Inquiry : XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX  XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Vehicle loan or lease

I wasnt aware, nor had I been notified by the finance company at any time that my last payment XX/XX/XXXX was a balloon payment. Upon attempting to make my payment through the app I learned the entire balance of {$1600.00} was due in full. The loan was paid in full XX/XX/XXXX. The company never sent me a letter notifying me of the ballon payment, nor that it was coming due. Illinois is a restricted balloon payment state. The finance company never notified me that a balloon payment would be due on XX/XX/XXXX. My contract does not specify anywhere that there is a balloon payment. 

I then reached out to the finance company on XX/XX/XXXX to notify them I was having an issue making my payment online and they informed me that the total balance of the loan was due. I asked for proof of notice or where I could find this balloon payment specified in my contract. I was told the most the company could do for me was give me an 15 day extension for the remaining balance which was 2 payments. I then made my regular payment of {$510.00}. The finance company never confirmed the 15 day extension in writing. 

I made the next payment by the XXXX day and asked again for an extension to pay the remaining balance of {$620.00} to pay the car loan off as I did not want late payments on my credit report. The finance company refused and is reporting 2 - 30 day late payments on XXXX for the months of XXXX and XX/XX/XXXX. One 30 day late for XXXX XXXX XX/XX/XXXX. XXXX 30 day late for XX/XX/XXXX.
Product: Student loan

I have federal student loans from attending XXXX XXXX I have a pending Borrowers defense application. I could not log into my account, enroll in XXXXto pay or figure out why my loans are in XXXX.

I waited on hold or had Edfinancial, my loan servicer, call me back ( which didn't always come ) for 4 days. One day for nearly 8 hours of waiting and still never got through. Finally, after getting through, I asked why my loans were put into forbearance when I specifically requested that I did not want forbearance in my Borrowers defense application. The person I spoke to didn't know what borrowers defense was let alone how to pronounce it. I also asked why I couldn't log in to their site. He said it was because of Borrower 's defense. I said I should be able to view my loans and what I owe even if I have a pending Borrowers defense application. I also asked to be able to enroll in autopsy but was denied that as well since I am currently in Forbearance ( but do not want to be! ) By the end of the call after he spoke with a manager, he said after 4 business days my loans would be out of forbearance. 

My loans are still in forbearance nearly one month later. I do not have time to wait on hold for hours and hours each day to keep checking on this situation that should have never happened. 

I have also file a complaint with the department of education ( studentaid.gov ).
Product: Checking or savings account

Good Morning on XXXX XXXXXXXX,2017 a large amount of XXXX was stolen out of my account. This was part of my rent money and also my kids XXXX money. I was told an investigation would take 30 days to complete. I am a single mom with XXXX boys that have severe XXXX. 2 days before XXXX I will be put out of my home. Never in my life of having bank accounts been told an investigation will take that long. I am beyond frustrated with TD Bank and there service. I would never again refer this bank to anyone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ChexSystems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Information in ChexSystems Report Dear ChexSystems Consumer Relations, I am writing to dispute certain inaccurate information contained in my ChexSystems report. I have obtained a copy of my report, and after careful review, I have identified the following errors : 1. Incorrect Account Information : Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX The above account does not belong to me, and I have never held an account with the XXXX XXXX XXXX . This inclusion is a result of mistaken identity or an error in data entry. I request the immediate removal of this account from my ChexSystems report please!
Product: Debt collection

Convergent Outsourcing has sent me a debt collection letter on a debt that has been proven unverifiable recently and deleted from my consumer report in the past. this debt is from t mobile who used a different collection company in the past to try and collect but was deleted from my report and now sent this unknown debt to convergent outsourcing. company has not provided me with any details in regard to this account and is in violation and I will take further action if they do not cease there debt collecting acts
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX  of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion.

Please delete the following accounts XXXX XXXX XXXX BALANCED {$2700.00}
Product: Credit reporting or other personal consumer reports

XXXX and Transunion are reporting late payments on my XXXX XXXX XXXX account when I was not late. This account was included in a Bankruptcy. Transunion and XXXX are reporting late payments after my bankruptcy was discharged and I was never late. 
I should have 100 % payment history and I do not hurting my Fico score. 
This is NOT accurate and the account should be deleted from my credit report with XXXX and Transunion!!!
Product: Debt collection

1st contact was XX/XX/XXXX, by phone. They said debt was from XXXX, account opened on a credit card that was never paid and they bought the debt in XX/XX/XXXX. 
I informed them that could not be my debt as all debt I owe is listed under my bankruptcy filings from XXXX, and XXXX, and I have not opened any accounts for anything since XXXX. They informed me they knew I was on bankruptcy, that is why they waited this long before contacting me. I have asked for proof by mail several times since then as they have called 30+ times a month for 5 months. I only received one letter from them I received XX/XX/XXXX which had no information I requested, was just a bill saying I owed them. I sent Certified mail threw USPS, which I got confirmation they received XX/XX/XXXX. In that letter I requested : 1. Original creditor name, address, account info.

2. Documentation showing they have verified I am responsible for debt.

I have never received this or anything else by mail since XX/XX/XXXX. 
Yet the calls keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account with XXXX from XX/XX/XXXX, I closed account and remaining balance was sent to collections in 2 weeks. I am XXXX XXXX/XXXX, XXXX, XXXX, so I had my XXXX   pay with money order. I began to build my credit, and developed a good score.In early XX/XX/XXXX XXXX XXXX XXXX put a delinquent account on my credit report, same XXXX account I had paid with money order.Since it was from XX/XX/XXXX it did not affect my score very much, I still had XXXX, .Three or 4 months ago the account was REMOVED FROM ALL 3 CREDIT AGENCIES ... Last night I looked and the very same account is BACK as a NEW ACCOUNT XX/XX/XXXX, WHICH IS REAGING, AND ILLEGAL. I applied for a home loan/mortgage a few months ago and my score was XXXX After the removal of the account, now it is XXXX in just a couple months simply from the account being reaged and listed as NEW After being REMOVED. I Have spoken with a lawyer and told I can sue because it has affected my mortgage application and is extremely illegal. I'm very ill and need help to have this account REMOVED once and for all from the three credit agencies.It is the same account and the same collection company trying to start their time over.
Product: Checking or savings account

Chase denied my claim after a merchant ( XXXX ) fraudulently failed to provide the products/services that I paid to them on XX/XX/22 in the amount if {$110.00}. Chase has informed me that they will be removing {$110.00} from my account on XX/XX/22. By taking this action, Chase is violating federal law and facilitating fraud. 

I am formally requesting that Chase : ( 1. ) Provide me with all of the information that used in the research of this claim. 
( 2. ) Reverse their decision, as it was clearly wrong, and leave the credit of {$110.00} in my account.
Product: Credit card or prepaid card

American Express ( the company ) has repeatedly refused to resolve a dispute in my favor in spite of extensive evidence being provided to them. The charge in question is for {$1300.00} which was charged on XX/XX/2018. The purchase was a non-refundable airline ticket. This ticket was canceled with the merchant on the XXXX in accordance with DOT regulations and was made more than 7 days prior to departure. In spite of providing this evidence and evidence from the merchant 's website and the full Department of Transportation 's regulation but the company has refused to resolve in my favor. They declined my dispute and stated, " the ticket was non-refundable ''. After providing further evidence that the ticket was due a refund, they have changed their story stating the ticket was not canceled within 24 hours. This unfair practice violates UDAAP. After calling the merchant and stating the call was being recorded, they acknowledge asked for the electronic ticket number and agreed that the ticket had been canceled within 24 hours and was due a refund. The company refused to accept this evidence and has continued to deny my claim.
Product: Credit card

I seek relief from SYNCHRONY BANK to cease reporting late payments or Charged Off status on my credit profile to agencies such as XXXX, XXXX, and XXXX for SYNCHRONY BANK Account XXXX in the My name XXXX XXXX XXXX Pursuant to 15 U.S. Code 1635-Right of rescission as to transactions, should the credit report reflect late payments or charge-offs, I will have no choice but to report it to the authorities and file a lawsuit for mental distress and damages. The damages I'm not able to qualify for a mortgage, car loan or personal loan.
Product: Checking or savings account

I'm unable to withdraw or transfer my funds from First National Bank. After connecting my external account, my FNB account was suspended in XXXX. I've tried calling numerous times and the customer rep either has no idea what I'm talking about or will say that the IT department will contact me, and they never do.
Product: Credit reporting, credit repair services, or other personal consumer reports

8-10 months I have been disputing errors on my credit report with all three bureaus and Original credit and none of the accounts have been investigated since they all show account not disputed as if everything has fallen on deaf ears and pushed to the side with Experian, XXXX, and XXXX. The bureaus have not provided me with very important documents after several requests and methods of verification including validations.
Product: Credit reporting, credit repair services, 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. has violated my rights. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, 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: Debt collection

I made a settlement agreement with Midland Funding. I made all payments per the settlement agreement except for about the last seven when Midland stopped depositing my payments. 

Per the letter I have attached, even though Midland Funding stated that they would deposit my post-dated check on XX/XX/2016, they did not. Furthermore, they did not return my calls when I specifically left over a dozen messages for them to call me so that I could pay them. Even after they sent me a Notice of Default, also attached, and I specifically called the number they stated and left a message, I did not receive a return call. The only time I was contacted was in later months when their new attorneys, XXXX, called, telling me that I now had to pay the full balance rather than the settlement balance. They told me that they would not recognize the settlement I had previously made with the old attorneys and that I would have to pay over three times the settlement amount. 

XXXX then went to court and got a judgment against me. I was not given the opportunity to go to court to defend myself. I only received the " Notice of Entry and Docketing of Judgment '' ( please also see attached ). 

I do not believe this is right or legal. I do not believe that a company can agree to a settlement, stop taking payments, and then go back to the court to get the full amount. I believe they have to abide by the settlement agreement they made. 

P.S. I had worked well with the old attorneys and had less than seven payments left before everything would have been paid off. Additionally, the old attorneys had said that they would take offers to further reduce my total amount due if I were willing to make one last larger payment. I was all set to make an offer when this happened.
Product: Payday loan, title loan, or personal loan

On the XXXX of every month I'm being charged XXXX to XXXX dollars in fees in which XXXX is for interest and XXXX is towards principal balance the other XXXX is going towards something called a customary fee... I've made these payments for almost a year now and only XXXX dollars has come off of my principal balance of XXXX dollars, if I continue to make these payments it will take 30 years to pay off this XXXX dollar loan because of this customary fee... I've done research on Title Max and found that your Bureau fined them 9 million dollars back in 2016 for it's unlawful acts in the states of Georgia, Alabama, and Tennessee, TN being the state I reside in... I've went in to speak to an agent at the XXXX XXXX XXXX location and the agent couldn't explain to me what this customary fee is and neither is it explained in their payment documents sent to me each month, this customary fee is a direct implication of predatory lending