23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Contacted Hhgregg customer service center in XX/XX/XXXX once statement generated which reflected a higher balance due, thought card information had been compromised when spoke with rep was advised that promotional period for interest rate will be ending and the additional XXXX was deferred interest from life of account ; I advised representative that I did not receive anything in the mail and to charge almost XXXX on an account without warning was alarming she advised me that if I made an payment of {$520.00} on or before XX/XX/XXXX they will waive interest and other fees making new balance {$490.00} ; asked rep to notate the account and advised I will call back in on XX/XX/XXXX to make payment which I did rep was able to see notes on account processed payment for {$520.00}, waived XXXX and again advised me that bill will cycle and new balance of {$490.00} will be reflect on statement and online account within 24 hrs. Which it has not current balance is showing {$540.00} which is XXXX higher than quoted and that amount has been reported to credit bureaus. Would like the XXXX to be waived, online account, statement and all credit bureaus to be notified of correct balance of {$490.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to do my absolute best to fix all the issues on my credit report and make sure everyone and everything is perfect. But of course when it comes down to the last one it's XXXX XXXX XXXX XXXX. A once amazing bank that has become known to not give a dang about anyone or anything. 

I had a car loan with this company for 5 years and had perfect payments of {$480.00} every month. But according to Affinity I was late 60 days, which I disputed and now I'm late 90 days. So now it's even worse. These late payments are from 6 years ago and of course Affinity decides to add some more on. There is no way this account was ever late this much due to my fault. Why would I neglect a $ 35ish payment for 90 days when I paid {$480.00} every month for 5 years during this same time!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report.

DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$2100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance XXXX {$1100.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$7400.00} Date Opened : XX/XX/XXXX US DEPT ED XXXX Balance : {$4100.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$650.00} XXXX XXXXXXXX XXXX  XXXX Balance : {$5200.00} XXXX XXXX Balance : {$1100.00}
Product: Vehicle loan or lease

On XX/XX/2023 I went to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, New York. XXXX and purchased a XXXX XXXX XXXX brand new. my daughter and I sat with the finance manager to sign the contract. I went over all of the details and electronically signed all of the papers. I paid the extra money and XXXX XXXX was supposed to have gotten me plates for the new vehicle. When it was tine to receive my receipt, all of a sudden the printers were down and coincidentally my window sticker with all the prices and information was missing. I was told I would get a copy emailed and that they would look for the window sticker. 
Approximately one week passed and I nver received the recepit nor window sticker. I then started to receive phone call from XXXX XXXX stating that I had to come in for a photo inspection. I argued that the vehicle was brand new. XXXX XXXX nver sent the receipt nor window sticker to All state and now I was being penalized by having to bring every car on my poicy for a photo inspection. This is all because papers were not handed in for the XXXX. My insurance was increased by thousands of dollars as a result Next I demanded my invoice. I was finally givrn an invoice, nothithing what I had signed or agreed to. First, there was a {$5000.00} contract added on which I did not agree to. I called the main XXXX number and gave the contract number. I was told that the contract did not exist. They put a fraudulent {$5000.00} contract to rob me which did not exist. 
second the price was not the price that I discussed. I was aslo charged for XXXX  insurance. That policy did not exist either. On XX/XX/XXXX, i get a letter from XXXX XXXX XXXX  denying me credit. I have great credit so I found this strange. I asked for an explanation in writining and was told by XXXX XXXX that the dollar amount that the dealership requested is too high for the vehicle. I did not know this at time of purchase. 
Now a XXXX XXXX year old XXXX  driver hits my car while parked and totals it within the first XXXX months of purchase. I am out {$15000.00} becasue of all of the fraud and I paid for XXXX  insurance which would have covered the difference but that policy was fraud alsoi
Product: Checking or savings account

I am responding to my former complaint againstthe banking establishment in XXXX XXXX, XXXX complaint XXXX. That case has subsequently been closed. The bank had my attorney  and me fill out the affidavit, notarizethe document, and send them ( the bank ) the paperwork. It was promised ( by the bank ) that they would do everythingpossible to recover the money from the fraudulently cashed check..The bank also stated that they would inform us on the process. To this date no further effort has been observed to contact me or my lawyer on this case. The bank did not live up to what they agreed to do. In addition, if a check was drafted on a bank note from one party and that party mails the check, how are they liablefor the amount of the check when their bank 's lack of security measures allowed for the fraud to occur? In addition, the bank was notified immediately when the check never arrived and was fraudulentlycashed.. Any delay in the action to retrieve the money from the other financialinstitution ( considering limitations with State and Local Law ) was by the bank itself. They initially said that they wouldnot help. Only after the complaint did they request an affidavit. Thus, to hide behind any kind of legal inability based on their time to recover funds seems more like they are attempting to avoid responsibilitythat they, in fact., directly caused.

Due to the bank 's officialdenial of any responsibilityin this matter, their initial refusal to help, their lack of investigation until after a complaint against them was made, their failure to live up to any resolution terms they set forth, their failure to contact me or my attorney regarding the case, their responsibilityin the significantpassage of time,, and for the responsibility to provide adequate security measures for the prevention of fraud ( requiring the cashing institution to require a Valid ID, a thumbprint of the person cashing the check, etc, ) are the reasons I would like to file a second claim against this same bank. 
Thank You For Helpingwith this Matter,, XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I paid off the Auto loan with account number XXXX for the XXXX XXXX XXXX. I HAVE NOT GOTTEN MY CAR TITLE. I try to call to the phone number but it is impossible I update my address on the Bank information. 
To get my car copy Title I need the Lien Release Letter in order which needs to be sent to my current address XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Texas, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a dispute letter to Equifax on XX/XX/2020 and XX/XX/2020 in regards to inquiries incorrectly reporting. No changes have been made to my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE TRIED TO UPDATE MY NEW HOME ADDRESS AND NEW PHONE NUMBER BUT OLD ADDRESSES AND PHONE NUMBERS KEEP APPEARING ON MY CREDIT REPORT.
Product: Mortgage

XXXX I received a letter from XXXX XXXX ( my mortgage company is Atlantic Bay XXXX stating I did not have hazard insurance. I pay my homeowner 's insurance via escrow. As you can see in my documentation, my insurance is listed as being due XX/XX/XXXX. Atlantic BayXXXX XXXX XXXX not pay the insurance until XX/XX/XXXX, despite multiple XXXX way calls with them, the insurance company ( XXXX ), and myself. While late, it was eventually paid, and I was under the impression all was back on track. 

Fast forward to XX/XX/XXXX. I receive a check from XXXX but don't know why. I did not cancel the insurance. 

XXXX I received a letter from XXXX XXXXXXXXAtlantic Bay XXXX XXXX XXXX insurance expired and I need to get new insurance, which I did the same day I received that letter. 

XXXX I receive another letter from XXXX XXXXAtlantic Bay stating I do not have insurance and need to purchase it. I try, unsuccessfully to get ahold of someone at XXXX XXXX to get this straightened out. Their automated system puts you in a virtual loop, never allowing you to talk to a person. I ended up calling the person who originated my loan with ( XXXX XXXX ) to try to get this resolved. He handed my case over to XXXX XXXX. 

In the end, it turns out that XXXX XXXXAtlantic Bay wanted me to purchase an expired insurance policy for the period covering XXXX. No where in any letter they sent me was I directed to purchase an expired insurance policy. 

In the end, they made me pay for an expired XXXX XXXX XXXX policy even though they failed to communicate with me that this is what they expected me to do.
Product: Credit card

Dear CFPB, I am reaching out to request your assistance regarding a troubling issue with my Chase Sapphire Ultimate Rewards points and a related statement credit. 

I have been a loyal Chase customer since XXXX and a Chase Sapphire cardholder since XXXX. However, I encountered a problem when I canceled my Chase Sapphire credit card on XX/XX/XXXX, according to Chases records. Despite this cancellation, a transaction with XXXX was processed on XX/XX/XXXX, indicating that my card was still active at that time. 

Chase 's Ultimate Rewards Service Agreement states : " If your account is closed for any other reason, youll have at least 30 days from the date your account is closed to use your points, as long as you dont lose them for any of the reasons described in this agreement. If you dont use your points during that time, youll lose them unless limited or prohibited by law, in which case your unused points will be automatically redeemed for cash in the form of an account statement credit. '' Following the closure of my account, my remaining Ultimate Rewards points were automatically redeemed as a statement credit. However, this redemption was subsequently reversed, and my points have not been reinstated. Given that my last transaction occurred after the cancellation date and according to the agreement, this situation appears to be an error. 

Despite several attempts to resolve this issue directly with Chase, including discussions with supervisors, I have not received a satisfactory resolution. Most recently, on XX/XX/XXXX, a supervisor disconnected our call, further exacerbating my frustration. 


Thank you for your attention to this matter. I appreciate your assistance in resolving this issue as soon as possible. 

Sincerely, XXXX XXXX
Product: Debt collection

My mothers sister XXXX XXXX put an Gas and Electric bill in my name without an identification card in 2014 while I was incarcerated. I have have been asking this company to remove the debt for years I also show them proof of my release showing I was not in the household at the time.
Product: Student loan

Hi there, Sallie mae either came to contact or left messages to ; 1. My brother. Who literally just came out of XXXX  XXXX XXXX XXXX  and who literally just purchased a phone that he could afford calling him at work. 
Call was made- XXXX XXXX XXXX. My best friends estranged mother- in- law at her job. Who has no relation to me whatsoever and now is informed of my business, also causing fuse between my best friend and I. 
Call was made sometime last week- I didn't ask for exact date and time since it was the last thing I was thinking about when my best friend was yelling at me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a direct violation of so many U.S. codes and ethics. I was in covid forbearance with XXXX XXXX XXXX XXXX and was told there would be no negative reporting to my credit report. Well on XXXX XXXX they reported negative marks on my credit report which has in turned caused me and my credit a lot of damage. Right in the middle of a work out they violate my consumer rights this way. We have already decided to obtain counsel and file suit against XXXX XXXX XXXX because this has caused damage to my credit in such a negative way. This direct violation of 15 USC 1681a ( k ) ( 1 ).
Product: Credit card or prepaid card

This account is paid amd closed and reflect negatively on my credit report and experience will not remove or allow to dispute again.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and their subsidiaries furnished my information unlawfully since XX/XX/2016 until present according to my consumer file. The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

They furnished the payment status, delinquency, and balances which is an unlawful violation according to FCRA, section 616 any person/business who willfully fails to comply with respect to any consumer is liable to that consumer for damages. 

I am notifying you to delete this information from my consumer file in good faith. This is your notice to cure this violation, or I will be forced to comply with Section 621 of FCRA.
Product: Checking or savings account

I have multiple accounts with Chase Bank and recently for {$4500.00} was stolen from them. Some how someone gained access to my accounts and transferred the money from my business account to my checking account. From there it was withdrawn by the way of a XXXX transfer to a very common name of an unknown person. Chase has  denied my claim. According to the my only recourse is to prove my accounts were hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX  Account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # 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
Product: Credit reporting

Experian is reporting a creditor on my credit report that has not validated the information about the reported account, XXXX. XXXX has reported an account as in collections before validating the account, This is a violation of the FCRA,
Product: Debt collection

The medical debt was consistently being paid WHEN it was turned over to this collection agency. This company - Preferred Collection & Management Services. This company repeatedly calls my phone number sometimes XXXX times in a row and have been calling before XXXX. This morning they called me XXXX times just between XXXX. It is excessive and ridiculous and they 're breaking the rules on collection.
Product: Vehicle loan or lease

I took out a used auto loan with American Credit Acceptance LLC in XX/XX/2015. 
The interest rate was very high but I had terrible credit due to a divorce and bankruptcy so I was alright with that. I set up auto pay for my monthly payments which were due on the XXXX of each month. Almost immediately each statement reflected late charges and additional fees not to mention the interest charged was most times twice what was applied to the principle. This continued on for about a year and suddenly my statements only showed my payments being applied to interest only. I even paid well above the minimum payment for several months but it never went to the principle. I contacted ACA a few times but was never given a good explanation why this was happening and why the late/additional fees. I continued to make my payments for approximately another 3 1/2 years and gained very little ground on the principle. I lost my job and could no longer make payments but the vehicle should have been paid off by then. I received a repo intent letter and I jumped through hoops and was able to convince a family member to help me out with a settlement. I contacted ACA and made a fair pay off offer but they refused it. Covid hit and ACA had to pull back on the repo but they still contend that the only way I can get the title is to pay off the existing balance including all the late/additional fees that has accrued since this all began. The balance payoff is nearly as much now as the original cost of the vehicle. As soon as the Covid crisis is over and they can legally come after my vehicle they will initiate another repo attempt. I have already paid thousands of dollars over the original price and I feel that this company is heartless and predatory in nature and someone needs to stop them from continuing this way.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate correction of an inaccurately reported late payment entry on my credit report concerning my XXXX XXXX XXXX XXXX account. The details of the account are as follows : Account Number : XXXX XXXX XXXX XXXX Upon reviewing my credit reports, I have identified discrepancies that require urgent attention XXXX XXXX and XXXX : My payments on this account are accurately reported as being made on time. 
TransUnion and XXXX : These bureaus incorrectly indicate that I missed a payment on this account. 
I want to emphasize that I have never missed a payment on this credit card. All payments have been made punctually through a recurring payment setup, which should ensure timely and consistent payments. The inaccuracies reported by TransUnion are likely due to a system error, and I request that these errors be rectified immediately. 

Legal Basis for Correction : According to 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are mandated to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. Given this legal requirement, it is imperative that my credit report accurately reflects my payment history and financial responsibility.
Product: Debt collection

This company has reported a negative mark on my credit stating I opened an account during covid 2021, which is untrue. This mark is negative, and they failed to provide me with the paperwork showing I signed for this account. This account is not mine.
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : [ XXXX XXXX, XX/XX/year> ]. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.
Product: Mortgage

To Whom It May Concern, My mortgage loan was recently transferred to Caliber Home Loans on XXXX XXXX, 2015. I have received nothing but conflicting information since they took over from XXXX XXXX XXXX. My first experience is when I called to request a payoff. I was told it would take XXXX hours to generate but my balance was well below {$3000.00}. This was around XXXX XXXX. I secured the funds and called back to payoff my loan. I was then told I owed up to {$8000.00}. The customer service representative indicated I was given wrong information and requested another payoff. I went ahead and paid the {$3000.00} to avoid any foreclosure proceedings against me. I just checked my account online and it also indicates that I have a balance of {$5200.00} ; however the latest payoff I received shows {$2200.00}. ( Attachment enclosed ). The payoff indicates the amount to payoff my loan and release the lien ; however, I just checked the records for XXXX XXXX and the only activity has been the release of lien from XXXX XXXX XXXX. I do n't show any lien recorded from Caliber Home Loans to secure the lien on my property. 
As a result of the miscommunication and lack of a Deed of Trust, I am requesting Caliber Home Loans release my account as paid in full. I am also requesting they forward me documentation that they do indeed have a right to my property. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from my credit file advising that my account was reported 90 days late. Per my credit history, the account was current prior to the 90 day late payments twice XX/XX/XXXX and XX/XX/XXXX ). The account has been reported incorrectly.
Product: Consumer Loan

I have an issue with which I would like to request some assistance. Approximately 10 years ago at the request of my parents, I co-signed for a van with my dad. Both of my parents had bad credit at the time and they asked me to co-sign with them so they could get the van. We did n't have a vehicle at the time as our old one had many mechanical issues. My dad worked and we needed one to get around. I was XXXX when I made this choice. I just did it and figured that it would be the last time that it would ever come up again. Approximately 4 years ago, the car was repossessed. This did n't mean anything to me because I was n't the one handling the van, any of the payments, or anything else that concerned it. We used a loan company called Santander Consumer USA. My father passed away a little over a year ago. His name is the only one besides mine on the contract for the van. I received a phone call from a debt collection agency concerning the van and some money that was due on it. I was told that I was now the one responsible for the remaining balance due, which is almost {$3000.00}. I ca n't afford this. I find it a little strange that there is a lawsuit against me after my dad died. There was plenty of time to reach out to my dad to resolve this while he was still alive. I am due in court in XXXX. At this time, I will have a judgement placed against me for the amount mentioned above. This will mean that I will end up having my wages garnished. My finances are already really tight and this would make things extremely hard for me. I have court papers and all documentation if that is needed for anyone to be able to assist me. I would really appreciate some guidance or help as far as what can possibly be done to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times to REMOVE, REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the block on my file please remove it at once!! My full name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB XX/XX/XXXX and SS XXXX.