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

I paid off the car loan for my account at valley national bank in XX/XX/XXXX. I waited over a month and did not receive my title or a letter verifying the pay off of the loan. 

I call their customer service who tells me they mailed it to my old address as I moved in XXXX. I advised them that I had called in XXXX and updated my address using the method they had asked, emailing them the updated address along with my contact information to XXXX. I was told there was nothing they can do. They told me to do it again and contact a completely different company called " XXXX XXXX '' to obtain the documents that they never sent to me. 

( Separate but they mailed me nothing since I originally got the loan in XXXX including bills or invoices ). 

I did what they said and called XXXX XXXX. They advised ( via a recorded message ) that I can not order a duplicate tile on the phone and need to go to their website and pay {$23.00} to get the lein payoff letter then take that along with local DMV documentation, in order to buy a new title at the DMV, paying their fee of ~ {$60.00} as well.
Product: Checking or savings account

On XXXX XX/XX/2023 I made a {$400.00} deposit in all XXXX XXXXXXXX to the Huntington Bank XXXX XXXX XXXX XXXX PA branch. I got a prompt that my money was not taken in but will be kept in the ATM and to contact the financial institution..which I did..they counted the ATM. My {$400.00} was there. It still has not been credited to my account and I have called the bank and customer service 2x everyday since and I feel like I'm getting the run around. I had 2 charges declined and my car payment is now due Monday and will decline because of insufficient funds and this is not ok. They have my money and it needed to be in my account Tuesday.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX  XXXX
Product: Student loan

My student loan is over 25 years old. I defaulted in XXXX and resumed payments in XXXX. I have made over {$37000.00} in payments. My contention is that I no longer owe the Federal government any money because the amount they paid to the loan originator, as the guarantor, was about {$19000.00} - I believe I have paid what I owed plus a lot more. The government does not agree with me. In XXXX I was told that what I owed was {$24000.00} ; they did not include a breakdown of the amount, i.e. what was the actual loan amount, capitalized interest, and, what I have subsequently learned, was additional fees and costs that they could collect. I also had a wage garnishment in XXXX so I decided to start paying. I did have deferments which capitalized more interest and now my debt to them is over {$28000.00}. Also, when I started repaying the loan in XXXX, the government could have just charged me the 3 % interest rate that was in effect - instead, they went for the full 8.25 % that was the top rate. I guess they felt they were doing me a favor b/c my original rate was 9 %. WHEN does this end? I have contacted a student loan ombudsman and was told that I should just continue with the PSLF program I am now in. I want to ask the servicer to verify the loan and that I owe anymore money to them. The XXXX agreement also ddi NOT include the wage garnishment so I have no idea if that was actually credited to the payments I made in the XXXX. I recognize I did not act responsibly when the loan was originally due but now feel as though I am being punished by being made to pay way more than what the government paid as guarantor for the loan.
Product: Debt collection

OLIPHANT USA LLC Last reported XXXX XXXX, XXXX XX/XX/XXXX ( XXXX mos ) Placed for collection Original creditor name XXXX XXXX XXXX XXXX My identity was stolen, and my personal information has been compromised. I have asked these people to remove this from my credit report. I have told them I'm not the owner of this debt. I asked them to provide me with any details or my signature, and the man said no, I just needed to pay. XXXX
Product: Payday loan

I applied for a loan that was necessary via Castle Payday. I checked the scheduled delivery date and the account / routing number. Everything was accurate on the loan application ( I have printed copies ). 

The funds never made it to my account, and I have spent two days on the phone with a call center XXXX. 

I have been on the phone with that call center too often, and they have begun to lie to me. The first issue was that they mentioned that the account number was too short. After being disconnected while on hold, I called back. The next issue they told me was that the account number was correct but the routing number wrong. After being disconnected while waiting for the supervisor to get a bank representative on the line, I called the bank and verified the funds were never deposited. Again, I have a print out of the application. The account numbers are accurate, and were entered correctly. 

My concern now is that this company has my personal information, which it has misused and further misrepresented itself during our business transaction. 

I can not contact any employees of Castle Payday. They will not respond to emails I have sent them. 

I can not get a clear answer to whether or not funds were moved, or if this was some sort of scam.
Product: Debt collection

This had been on my credit report forever the XXXX  account was opened in XX/XX/XXXX and as you can see no matter how much i paid the higher the bill went. And i was only suppose to pay XXXX per month for the 3 lines i had. When i asked for it to be removed from my credit report or fix the right amount i owed which is the early termination charge which was XXXX per line. Which i ended in XX/XX/XXXX.Which makes me owing XXXX only. Funny how they gave it over to enhanced who keeps it open. saying new account it is not.it 's a 7 yr old account and should have been removed a long time ago. I've called them and explained to them tried reasoning and nothing works. And when my credit is run it comes up as a utility bill causing me to have to pay large deposits for utilities when i try to tell them it's a phone bill from XXXX they say they have to go by what is says on my report a utility bill.so please explain to me how that works and how is it's fair to me. And the sad thing is my bill was always paid in full early every month.yet there was always a higher charge every month that is why i discontinued there service.as they charge whatever they want. As you can see once disputed it several times they just keep making it a new account as open.
Product: Payday loan, title loan, or personal loan

I had a payday loan and was in the repayment process. I was on payment 3. My payment was due on Sunday XX/XX/XXXX. This establishment is closed on Sundays. I went into the store on Monday after work and was told my check was already deposited. The girl said they '' tried to call me numerous times today. '' I was at work and had no access to my phone. I looked at my phone after leaving the store and saw they tried calling me once at XXXX and then again at around XXXX.
Product: Credit reporting or other personal consumer reports

ChatGPT [ Your Name ] [ Your Address ] [ City, State, Zip Code ] [ Your Email Address ] [ Your Phone Number ] [ Date ] Consumer Financial Protection Bureau Attention : [ Name of Representative, if known ] [ Street Address ] [ City, State, Zip Code ] Subject : Dispute Regarding Fraudulent Inquiries on My Credit Report Dear [ Name of CFPB Representative ], I am writing to bring to your attention a concerning issue regarding my credit report, which involves TransUnion reporting fraudulent inquiries that need to be removed promptly. 

I recently obtained a copy of my credit report from TransUnion and was alarmed to discover several inquiries that I did not authorize or recognize. Upon further investigation, it became evident that these inquiries are the result of fraudulent activity, as I have not initiated any new credit applications or inquiries during the period in question. 

As a responsible consumer, I take great care to monitor my credit report regularly and promptly address any discrepancies or fraudulent activities. However, the presence of these unauthorized inquiries on my credit report not only undermines my financial integrity but also poses a significant risk to my creditworthiness and overall financial well-being. 

I have taken the necessary steps to dispute these fraudulent inquiries directly with TransUnion, providing all relevant documentation and evidence supporting my claim. Despite my efforts, TransUnion has failed to remove these inquiries from my credit report, which has prompted me to escalate this matter to your attention for further assistance and intervention. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and facilitate the prompt removal of the fraudulent inquiries from my credit report. Additionally, I urge you to hold TransUnion accountable for their failure to address this issue in a timely and appropriate manner, as it directly impacts my consumer rights and financial standing. 

Enclosed with this letter are copies of my credit report highlighting the fraudulent inquiries in question, as well as any supporting documentation relevant to this dispute. I trust that your office will take swift action to resolve this matter and ensure that my credit report accurately reflects my credit history and financial activity. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and resolution of this dispute. 


Fraudulent Inquiries XXXXXXXX XXXX XXXX Inquiry date - XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX XXXX XXXX Inquiry date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately XXXX  XXXX XXXX Inquiry date - XX/XX/XXXX and XX/XX/XXXX This is a fraudulent inquiry. Please delete immediately
Product: Credit reporting

Potential lenders advise they are unable to pull my Equifax credit report. I have called Equifax and they advised me there is no issue on their end and I need to work with the Lenders. However, a variety of Lenders are unable to access my file so the issue is clearly with Equifax.
Product: Credit card

There was XXXX different charges within a week days on my Best Buy Credit Card. I had lost a previous card so I requested a new one. I never received it and was told I'd have to wait for the card to get to me and activate. Within the time that I waited for them to figure out where my card ended up it somehow was charged multiple times. I didn't even know I could use the card elsewhere until I realized it was used at these places when i went to make my monthly payment : XX/XX/2022 XXXX XXXX {$180.00} XX/XX/2022 XXXX XXXX {$50.00} XX/XX/2022 XXXX Inn- {$50.00} XX/XX/2022 XXXX {$96.00} XX/XX/2022 XXXX {$30.00} These are the biggest purchases made on it. I don't understand how someone else received my card and was able to " activate '' it without having my information I had never used a credit card in my life outside of the store it is meant for and have never been to the specific locations the card was used at I sent bank statements to Best Buy showing my spending habits which they asked for. They sent a letter a month late staying there was not enough evidence to prove I wasn't the one who made the purchases. To this day I never received the replacement card they supposedly sent to me. I have a television under a promotional balance that is about to expire because I couldn't pay it fast enough since those charges were made it is accruing interest and it takes up more than my monthly payment. The really high differed interest is going to hit on XXXX and will only create a higher bill for me which we can not afford.
Product: Debt collection

someone opened an account with Amazon and then opened a Chase credit card. The account went delinquent and we did not receive collections letters until the point of it being sent to an attorney office. 

I do not have an account with Chase for Credit Card or an Amazon Account. I have tried to make contact several times. and now they have referred this to an attorney. 


My request for information have not been addressed.
Product: Credit reporting or other personal consumer reports

Complaint Details : I am filing a complaint against XXXX for continuing to report my student loan debt inaccurately despite receiving a Copy B of a 1099-C, which indicates the debt should be considered canceled and reported as paid in full. 

Key Points : 1. Incorrect Reporting of Student Loan Status : I received a Copy B of a 1099-C from XXXX, indicating the cancellation of my student loan debt. Despite this, XXXX continues to report this debt on my credit report as active and unpaid, which is inaccurate and violates my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. XXXX has failed to ensure that the information they are reporting is accurate and complete. 
15 U.S.C. 1681c : Requirements relating to information contained in consumer reports. Reporting of canceled debts must be updated to reflect the accurate status. 
XXXX. Neglect of Consumer Rights : XXXX ignored my formal request to correct the reporting of my student loan status, which constitutes a violation of my consumer rights under the FCRA and the Electronic Funds Transfer Act ( EFTA ).
Product: Bank account or service

My complaint is against Chase Bank and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX FL XXXX. I contracted XXXX XXXX to begin the process of filing bankruptcy. They indicated to me that I needed to pay them a certain amount before they could initiate a federal filing on my behalf. According to my Chase Bank records they made {$800.00} in fraudulent withdrawals from my Chase Bank checking account. I believe that this company never had any intention on honoring an agreement to file bankruptcy on my behalf. Once I realized the company 's credibility was questionable I asked the Chase Bank to issue stop payment on XXXX. Additionally, I emailed the company to request that my account be closed in XXXX, 2016. Once, I made this request, I was unable to get through via phone to XXXX XXXX. They routed calls to a voicemail that noone ever answered. I continued to try to communicate with them via e-mail to no avail. I am requesting a refund of the funds that I believe were fraudulently deducted from my bank account. XXXX XXXX now claims to have gone out of business as of XXXX XXXX, 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these hard inquiries on my credit reort I do not know these inquiries.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as Accurate XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made multiple efforts to correct the fraudulent, inaccurate, and misleading information on my consumer report, but the problem persists. These erroneous entries have significantly disrupted my life, causing considerable emotional distress. I want to emphasize that I never authorized or agreed to have this information associated with my identity, as I have been a victim of identity theft.
Product: Credit card

This is a CORRECTED complaint. A previous complaint submitted with mismatched information was XXXX. Previous complaints submitted to the wrong American Express companies were XXXX, XXXX, XXXX, and XXXX. 

I am a customer/consumer of the financial institution American Express National Bank and XXXX subsidiaries/parents/affiliates/etc.

Title 15 U.S. Code 6801 states, It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information, and that the financial institution shall protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. American Express is a financial institution by definition in this Title, and its failure to abide by privacy laws has both harmed and inconvenienced me as evidenced in Attachments 1 through 4.

Title 15 U.S. Code 6802 states, ... a financial institution may notdisclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided the consumer a notice that complies with section 6803 of this title. American Express never provided a REASONABLE means to opt out that was CLEAR, CONSPICUOUS, COMPREHENSIBLE, SUCCINCT, and OTHERWISE REQUIRED by 15 U.S. Code 6802, 6803, and 12 CFR 1016.7.

12 CFR 1016.7 ( h ) states, " A consumer may exercise the right to opt out at any time. I exercise this right, as I was not able to by reasonable means before. American Express does not have my consent to, and shall not, report, share, sell, give, or otherwise transfer my nonpublic personal information, past, present, or future, to a non-affiliated third party or credit reporting agency.
Product: Debt collection

My XXXX  was reporting a XXXX  XXXX  collection account in the amount of {$620.00}, Now MIDLAND CREDIT MANAGEMENT,XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX is reporting {$820.00} on my updated XXXX  credit report. Two things this account is fraudulent which i explained to Midland credit Management who then notice me that another company which is XXXX XXXX who told me today XX/XX/2021 that they did indeed returned the Debt of {$820.00} back to Midland Credit Management yesterday XX/XX/2021. The second thing is When the debt first reported with XXXX  the debt was {$620.00}, so i wanted to find out how the debt went from {$620.00} to {$820.00} and no one can tell me how the balance changed, no documents nothing
Product: Credit card or prepaid card

At the beginning of XXXX I activated a 5 % cash back bonus reward for grocery stores & local markets on my Discover card. Got ready to pay my bill, I had a balance of {$430.00} with rewards of {$21.00} that was verified by Discover card supervisor XXXX employee # XXXX in Ohio on XX/XX/XXXX. However, they would only let me redeem {$4.00} of that reward before paying my bill. XXXX said I couldn't redeem my full reward until after XX/XX/XXXX. Bill is due XX/XX/XXXX. This is unfair & deceptive. Why do they get to " hold '' my redeemed cash back benefits instead of crediting my bill when I actually make the purchases? I can't find this in the fine print anywhere & even if it is, this is deceptive.
Product: Mortgage

I applied for a mortgage with AmeriSave Mortgage on XX/XX/XXXX. During a discussion on XX/XX/XXXX with the Loan Originator, XXXX XXXX, I was told that AmeriSave needed a deposit of {$500.00}. as a processing fee. I questioned the deposit and was informed that it would be credited at closing and that I have been pre-approved. With that information, I paid the deposit. During the following weeks, I submitted all the required documents as requested. After receiving an approval in writing on AmeriSave.com, on XX/XX/XXXX I discussed the closing date with XXXX XXXX. He informed me that the rate of 2 % is locked and the Discount ( fees ) are {$7400.00}. I questioned the fees as he had previously informed me that the fees for a 2 % mortgage would be {$6600.00} less a lender credit of {$1700.00} for a total of {$4900.00}. He said that sometimes fees change, however, he would request an exemption from his manager. I was told that the exemption would be approved with our credit rating and would have an answer in 24-48 hours. Having received no information on the exemption, the following week, I made several phone calls and sent an email on XX/XX/XXXX which were never returned. I continue to receive occasional robo emails from AmeriSave that I have responded to with no response from the company. 
This appears to be a scam. I am requesting return of the {$500.00} processing fee.
Product: Debt collection

I tried to rent an apartment with XXXX XXXX which is under XXXX XXXX. I was all set to move in. My move in date was for XX/XX/2020, but I terminated the lease on XX/XX/2020 because the apartment was completely uninhabitable. I was told I would get a full refund including my deposit which was {$200.00} and first months rent which was {$700.00} totaling in {$900.00}. This was given to me on XX/XX/2020. The apartment never reached out to me after I received the refund. Now, their collections company, Genesis, is attempting to collect {$780.00}. I do not owe any amount to anyone. Genesis has harassed me through mail, calls, and texts. They contacted my place of work, where I can not receive calls, putting my job in jeopardy. They have been contacting me since XX/XX/2020. I have repeatedly told them to stop contacting me.