23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Back in 2022 I and my son traded in our XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. The dealer was supposed to pay the vehicle off to XXXX XXXX. 

In XXXX, I get a call from XXXX XXXX that I am 30 days late because no payment was made. I call XXXX to figure out what's going on, and they admitted they never paid off the vehicle like they are supposed to. According to CA Veh Code 11709.4 ( 2022 ), a dealer only has 21 days to pay off a trade in. If I turned in my vehicle on XX/XX/XXXX of 2022, there was no possible way for me to be 30 days late in XXXX of 2022 as the vehicle should have been paid off in XXXX. 

I then spoke with XXXX XXXX and told them I traded in my vehicle on XX/XX/XXXX of 2022 and I even sent them a copy of the paperwork proving so. I asked them to speak with XXXX as well since they were the ones who were supposed to pay this. 
I don't remember exactly what happened or how it happened, but eventually the loan did get paid. It was too late for me and my credit, however. 

I spoke with XXXX to see if they could remove the 30 day late payment since this wasn't my fault. They didn't help me or fix anything. They just kept giving me excuses. I have spent over a year trying to fight with them and XXXX to help me fix this, but no one helps me. I just think its sad that I have to suffer the consequences for something I had no control over or was my fault. When you trade in a vehicle at a dealership, you do so in good faith and under the expectation that they would pay the vehicle off in a timely fashion. I have no way of knowing that they would violate California law and not pay off my loan until after I have been damaged and they have to be called out on their tardiness. 

Please help me as I do not think its right I should have to suffer a blemish on my report for 7 years when it was not my fault.
Product: Credit card

I bought a XXXXXXXX XXXX XXXX game in XXXX with the Amazon Synchrony store credit card for around {$30.00}. The game did not work after a few days and I returned the game to XXXX XXXX with photo proof for my records. Amazon promised a refund upon delivery and they said the item was delivered. They were supposed to issue a refund since I bought a replacement game for my XXXX XXXX XXXX XXXX birthday but Amazon never did. Instead, Amazon decided to lie to me telling me they never received the game. On the same day, via phone, of Amazon being very dismissive and hanging up on me claiming I never returned the item despite proof and times dated and stamped on the poly bag in the XXXXXXXX XXXX XXXX, I called synchrony to dispute this item since it was retuned. Synchrony at first was very helpful and has documented everything I have told you here regarding the dispute and what happened and how I never received credit upon receipt of returned goods. Yesterday, I reached out regarding the status of the case as I still have not seen any credit on my account despite also submitting the required proof necessary to speed up the process almost or over a month ago. They kept giving me the runaround and told me there is no dispute open. I asked to be transferred several times to no avail to a manager. This is the second time I have had to complain to the CFPB regarding this bank and its deceptive and unlawful behavior. Please help me with this as I have done all of what was required of me in good faith under the Fair Cried and Billing Act of XXXX I am only looking for a fair resolution. I am owed the credit and synchrony even sent me ample documentation regarding this. I have screenshots of all of what was asked of me and how I did what was asked. I will be seeking advice from counsel to possibly exercise my credit rights if necessary due to the behavior of this corrupt organization. Thank you for your time, XXXX XXXX
Product: Mortgage

Loan sold by XXXX to Newrez. 

Twice Newrez 's website has generated a payment confirmation, the failed to complete the process with my bank. 

Getting zero information from Newrez about this blatant breach of the contract. Apparently not a priority for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you well. I am writing to follow up on my previous correspondence dated XX/XX/2023 regarding a request for verification of a late payment that is currently being reported on my credit report. The specific account in question is as follows : Account : XXXX - XXXX XXXX ( Account Number : XXXX ) Despite my initial request for verification of the reported late payment on the XXXX XXXX XXXX XXXX account for the month of XX/XX/2023, I have not received any documentation from your agency that supports the accuracy and completeness of this reported late payment. 

In accordance with the Fair Credit Reporting Act, I am entitled to a response from Equifax within 30 days of the receipt of my letter. This response should include detailed documentation that verifies the accuracy and completeness of the information being reported on my credit report. 

It has now been more than 30 days since I sent my initial request, and I have not yet received any of the requested documentation. It is essential to reiterate that credit reporting agencies are legally obligated to provide accurate and timely responses to consumer requests for information verification. 

Given that the legally mandated timeframe has passed without a response, I formally request that Equifax Credit Information Services take immediate action to remove the reported late payment from my credit report for the XXXX XXXX XXXX XXXX account for XX/XX/2023. Furthermore, I kindly ask that you provide me with an updated and revised copy of my credit report, reflecting the removal of this inaccurate information. 

I am fully aware of the crucial role accurate credit reporting plays in maintaining fair and reliable credit assessments. Your swift cooperation in resolving this matter is of great importance to me. 

Thank you for your attention to this issue. I anticipate a timely response containing the necessary documentation and details outlining the steps taken to rectify the inaccuracies on my credit report.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when the transactions was authorized, I was charged fees due to lagging post of charges and credits. This issue aligns with the CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these transactions are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am afraid the XXXX credit reporting agencies have not been exercising their grave responsibilities that were given to them with fairness impartiality, and a respect for the consumers privacy. I did not give consent to these accounts, being shared on my credit report. Or have given any permissible purpose. It has come to my attention that, although I have written several letters, asking for validation of XXXX XXXX XXXX  I am not getting any response because of the automated system in which they have in place, which is a violation as well. I am demanding these accounts be removed immediately off my credit report as it is in violation to my privacy as a consumer, according to the federal constitutional law, 15, USC 1681.

15 USC 1691 15 USC 1601 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday XX/XX/2018, I received post card stating XXXX, XXXX and Experian were putting my Credit File on XXXX XXXX. 

I never requested to be put on XXXX XXXX. I would like an investigation into how these credit reporting Agencies can put you on XXXX XXXX without the Authority of the consumer in question. 

Waiting for a reply. 

XXXX XXXX XXXX
Product: Mortgage

I am still unable to pay my mortgage. I have the money and they don't want my payments. I have spent hours on the phone over the last two months trying to get this resolved. My first complaint went nowhere. I am two months behind and they just keep charging me more fees and giving me the run around.
Product: Credit card

Today I discovered a charge called " Payment protection '' on my Discover Card transaction list. The charge must have been going on the card monthly since I have had it because it shows up throughout my transaction list. I look into what this " fee '' is and I see that it covers me if I ca n't make payments. I have my payment auto-deducted and I 'm sure that I have paid way more than three month 's worth of payments in the form of this fee. No one ever asked me if I wanted such a fee and they keep charging me with it. How much money have they been teasing out of my account through this " fee ''. Too much I 'd say.
Product: Checking or savings account

I received a text message stating the following : Citizen : Your {$870.00} XXXX XXXX transaction is pending. Please respond YES to confirm your approval, or visit our branch or https : //xrl.today/rKIKv to reverse it. 
My Citizens bank account is now closed and has been for some time. Seems to me that they are fishing for information. The the URL was blocked by my virus protection.
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 Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX  XXXX XXXX Account name : 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 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: Payday loan, title loan, or personal loan

I've had over 4 loans with Affirm since XXXX. XXXX, Affirm had website issues and was done after they resume service I then started having issue receiving text code to email. They corrected that and I was able to login ect ... My final loan, I had small issue saying unable to verify identity, that was the 2nd time it happened the 1st time ticket was escalated and resolved. I received and email message from Affirm stating suspicious activity contact to confirm identity. I contacted Affirm and explain to customer service 3 separate times and they each escalated a ticket. I did have a current loan out and there was no other activity on my account but the one open. 

Then an hour later I get an email that my account was closed and I contacted Affirm spoke with a supervisor and she placed me on hold several times I guess trying to review the account not sure and she came back to advise me it was closed and she was unable to reopen it. Affirm closed the account for no valid reason. I have had over 4 loans with Affirm and paid all loans off before the final date. 

They had no valid reason to close it, they could not correct their wrong and so they pass the buck to the consumer.
Product: Credit card or prepaid card

I have been treated very shabbily by Capital One Sparks Business Cards. I believe that I have been discriminated against based on my XXXX and/or my XXXX surname and as a XXXX XXXX XXXX. On or about XX/XX/2019, I made an on-line application for a Business Sparks Card. On XX/XX/XXXX, I received a correspondence that had the name of my XXXX entered incorrectly. I called back on or about XX/XX/XXXX, and spoke with a Supervisor. She explained that the application could not be accepted because the name wasn't entered correctly. She stayed on the phone while I redid the application. She made sure that the application was correct. She said also said that I would need to resubmit the Certificate of Formation XXXX XXXX XXXX. I faxed it that afternoon and then mailed a hard copy on or before XX/XX/2019. 

I called back to check on the status on or before XX/XX/2019, to check on the application and was told it was too early to check it was sent to the back office and that I would need to call back around XX/XX/XXXX. I waited and called today, and was told that my application was NOT sent to the back yet because the documents were not acceptable. I sent copies of the original sent to me by the Secretary of State of Texas,  which had my name, the name of the company and the business address all on the page. XXXX, who claimed he was a supervisor, said that the paperwork sent on XX/XX/2019, was not acceptable. I am extremely upset. I filed a complaint with the Attorney General of the State of Texas that I believed I was being discriminated against because I was a woman and a small business owner. 

He then said I needed to send the information on the back of the letter ( which I had already faxed and mailed ). He said he would resend it to the back to be evaluated. I called back 2 hours later and was told it was still pending. He said an email was sent by the Supervisor and he would send an email. I again faxed the information at XXXX EST on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$2700.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

My husband and I - have been trying to work with NMAC to resolve our loan issues, but to this point, we have not had any resolution. What we would like to do is settle this account - for an agreeable amount. Which would require NMAC management to be willing to accept less than the balance to settle the loan. We are military veterans and feel we have not to be helped. We need NMAC to offer help and assistance to resolve these issues - because at this point we are having a really hard -time. If we could settle this loan for XXXX or so - that would be a great help for us.
Product: Bank account or service

I had a checking account with Suntrust to cover my Suntrust mortgage account automatically. The amount of my mortgage was XXXX. I allocated extra {$12.00} to be applied to the mortgage to round out the payment to {$430.00} per month. 
The next year the mortgage reset and increased by XXXX a month. I never authorized an automatic payment of {$430.00}, but that is what Suntrust took out of my account. Over time, this {$0.00} led to a deficit {$6.00} and set off a series of overdraft fees ( {$72.00} per month ) for each month it was overdrawn. Never signed up for overdraft either -- if checking account did n't have enough money, transaction should have been rejected? 
After attempting to settle and bring account back to balance, the overdraft amount of {$230.00} did not post in time, leading to another {$180.00} in overdraft fines. Again, without Suntrust calling/texting me to inform me of overdraft. 
These fees all resulted from a transaction amount I never authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one XX/XX/2020 through XXXX XXXX. I got personal loan from XXXX XXXX XXXX for {$2000.00} pay off my capital one card to raise my score for new car. Once bank paid off my loan i call ask to verify. Bank rep ask me did i close to the account & i did. Wasnt as knowledgeable with credit as i am now. Hurt my credit by -40 points. I file a dispute capital one just put my account as paid as agreed. After i requested for it to be removed from my credit report. Still showing ristricted access to the closed credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

. When I requested the same information from the XXXX XXXX XXXX Business account which was over 7 years old they provided the information that I needed, and I was n't responsible. Therefore, I naturally requested that same information from XXXX XXXX upon closing the account. XXXX XXXX customer service/debt collectors continued to resist providing any information regarding ownership of the business account. XXXX XXXX provided, no letter 's, nothing on federal guideline facts. I 'm now just being informed of this federal guidelines fact on Friday XX/XX/XXXX, why was n't I informed of this fact upon on closing of the account? The reason I decided to stop using XXXX XXXX was poor customer service from your global locations, and it 's had to find places that take XXXX XXXX in XXXX. XXXX Dollars debt I paid that immediately when that showed up on my credit report. I yearly use and pay of XXXX-XXXXK Dollars in Credit. I pay my bill 's on time and I have an impeccable payment history. I will not stop, until this it 's been removed from my credit profile, and that has to happen immediately, if not I shall seek compensation. CFPB Ref No : XXXX Ref : XXXX Subject : Your XXXX XXXX XXXX Business Credit Card Ending in XXXX Account Liability Credit Reporting Dear XXXX XXXX, Account Liability We are required to retain copies of applications for a period of 25 months according to federal guidelines. Our records reflect that your account was opened on XX/XX/XXXX. Therefore, we are unable to provide a copy of the application you submitted for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have been a victim of identity theft. We have never filed for bankruptcy or had the need to do so. We have been trying to remove this from our reports since we first found our 5-6 years ago. These accounts on my report and bankruptcies are not mine. Please remove these items from my report.
Product: Credit card or prepaid card

Chase Bank closed all of my credit cards without explanation. I am not sure why they would have done so. I have an XXXX credit score which is now likely going to take a major hit. I was provided with zero information from chase over the phone or the branch representative. I was told it was a " business decision ''. I would like to know why this was done, why there was no warning to discontinue whatever may have been that bothered them, whether this is a lifetime ban from using their services? I am a respectable nice guy, a real estate attorney with a high income. I carry no debt on my accounts. I would appreciate an answer as to why this was done and what if anything can be done to reverse this.
Product: Credit reporting, credit repair services, or other personal consumer reports

To who m it may con cern, I have a collection account on my file from a collection agency name d : (  Midwest Recovery Syste ms ). The accoun t is as follows :  XXXX   XXXX   XXXX ,   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATION S (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical pro of ( Midwest Recovery Systems ) is licensed to collect debt in ( Florida ). Your immediate response will greatl y be appreciated.
Product: Checking or savings account

I got approved for an sba loan for one of my companies, since my business account was unable to be verified, I had the money deposited into a personal navy federal account that I share with my my partner. Navy federal froze the account and all the funds and now we are in a very bad spot. I was transferred to security department and they would not help me and were actually pretty rude. I was told that someone would reach out to me in 3-5 business days but what am I supposed to do until then?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opens fraudulently and the bureaus keep validating accounts that stem from identity theft. This is unlawful and unfair to be victimized, these accounts are not mines. I know my rights under section 605b and section 609 of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And this is not my address delete it XXXX XXXX XXXX XXXX XXXX CA  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : ALLY FINANCIAL Date of inquiry XX/XX/2021 ALLYFINANC Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXXXXXX 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 an account without my written instructions.