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

Car declared a total loss by XXXX insurance due to flood damage from Hurricane Helene. TD Auto received payoff check & gap insurance check on XX/XX/XXXX and applied to account XX/XX/XXXX. However, they are NOW informing me that for overages funds ( Insurance delays meant I paid XXXX additional months of financing costs, so a refund is due to me ) they have an internal policy to hold funds for 14 days before release. 
This was never disclosed at signing. Further it means that they are using my funds to gather interest for their benefit, but will not pay interest to me for what I consider an illegal delay to gain profit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had three late payments on an account that i was on fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this compliant on the following dates XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on the immediately. Thank you for your understanding and prompt action.
Product: Credit card or prepaid card

I have an account with Lowes, I closed it monthly ago due to the high interest rate. I'm still making payments. My interest rate has {$10.00} and change, it has went from {$10.00} and change to {$210.00} plus. This is outragous. Copy of my statement since XXXX is attached. 

Thank you,
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Checking or savings account

Disputed a transaction on my credit karma spend account which was difficult I had to threaten to call my lawyer for them to file the dispute. They then froze my account the following day after refunding the disputed transactions. I have contacted them over 100 times. I am now XXXX  and with out funds for me and my kids because credit karma froze my account without notice or explanation. I have requested to close my account and refund my money back to the bank account I have linked with credit karma. Nothing has been done at all they wont respond or release my funds or close my account. I have lost and tried everything because of credit karma.
Product: Student loan

They took XXXX months to take my loan out of forbearance aftertheir mistake of putting it in forbearance. By their rules if you apply for idr plan they will automatically place in forbearance..and they did the opposite. They made my payment due the same day!!!! No time. This will NOT count against me since they are all mohelas fault.
Product: Debt collection

I am writing to seek your intervention regarding a dispute with Synchrony Bank concerning a Lowe 's credit card account. Synchrony Bank has initiated legal action against me, issuing a summons to court. However, they have failed to provide adequate verification or validation of the alleged debt as requested. 

In response to the summons, I sought to verify the legitimacy and accuracy of the claimed debt. The specific information requested from Synchrony Bank includes : Proof of the Debt : A request for the original contract or other documentation establishing my agreement and responsibility for this debt. 

Account Statements : A detailed breakdown of the claimed amount, inclusive of any fees or charges added. 

Licensing Information : Verification of Synchrony Bank 's license to collect debts in my state, including their license numbers and registered agent. 

Ownership of Debt : If the debt has been sold or transferred, I requested documentation establishing Synchrony Bank 's legal right to collect it. 

Detailed Calculation : An itemized calculation of the total amount owed, encompassing interest and any additional charges. 

Credit Report Entries : Clarification on how this account is being reported to credit bureaus, ensuring compliance with the Fair Credit Reporting Act ( FCRA ). 

Despite these requests, Synchrony Bank has not provided the necessary validation or verification of the debt. This lack of response raises concerns about the legitimacy and accuracy of the debt claim, especially in the context of the pending legal proceedings. 

At the time of receiving the summons related to the aforementioned debt, I was a resident of the State of Florida. However, I received the summons while temporarily visiting New York. Despite this, I took immediate and appropriate action to respond to the summons in a timely and proper manner, in accordance with legal requirements. 

My response was duly submitted to the Supreme Court XXXX XXXX XXXX, XXXX, New York. This detail is crucial as it pertains to jurisdictional matters and my legal standing in this case. It is important to note that my primary residence and state of legal residence during the period in question was Florida. 

I am now seeking the assistance of the CFPB to address this issue. Your intervention is crucial in ensuring that Synchrony Bank adheres to the legal standards for debt collection and reporting, as outlined in federal regulations and in safeguarding my consumer rights. 

Thank you for your attention to this matter. I am hopeful for a prompt and fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

FYI- I was not able to include Transunion in my last complaint as I had to include XXXX XXXX and I only was able to submit for 3. 

Back in XXXX of XXXX  I sent a letter to my local courthouse regarding the verification of a BK on my credit report as there is some information listed that is not correct. They sent me a letter back stating that the bankruptcy courts has no affiliation or communication with any credit bureaus. So I intern contacted XXXX XXXX and the 3 bureaus for verification of the BK information listed on my credit report. It is my understanding that in order for it to be placed on my credit report the information that I believe is not 100 % percent correct that as a consumer I have the right to request proper validation which means XXXX  XXXX, XXXX, XXXX  and transunion will need to perform a proper investigation. If the bankruptcy courts do not communicate with credit bureaus, I am unsure how a proper investigation of the information I am concerned about can be done. First letter to courthouse was sent XX/XX/2020 received response XX/XX/2020. Send their response to XXXX XXXX  and the 3 bureaus after requesting an reinvestigation of the information listed. I received no response from anyone. I in return sent a no response letter end of XXXX to XXXX, XXXX  and transunion. I called XXXX XXXX and they stated they never received my letter so the next day I sent it certified and it shows they received it. Till this day I have yet to receive ANYTHING at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Shows a recent payment of {$51.00} updated XX/XX/XXXX causing my scores to drop XXXX points each month. Last payment reported is XX/XX/XXXX. I have reported this on numerous occasions and filed multiple complaints with CFPB and all credit reporting agencies. This company is constantly reporting inaccurate data and affecting my credit profile as well as my credit score. This account is to be permanently removed off my credit profile due to multiple monthly reporting errors. I have file multiple disputes with Experian, XXXX and XXXX over this inaccurate credit reporting with this company. They are willfully violating the FCRA. I will also be making a complaint to FTC and XXXX. If this account is not removed I will be reaching out to a consumer rights attorney and filing a lawsuit in regards to this issue.
Product: Student loan

I took out student loans with XXXX, now navient back when i was in college in XX/XX/XXXX and XX/XX/XXXX each loan was for XXXX and XXXX respectively. every month since i have graduated in XX/XX/XXXX i have paid above and beyond what they have asked, at least XX/XX/XXXX a month. yet the loans never go down. interests is added DAILY. now ten years later of paying XXXX every month my student loans are totaled to owe XXXX..how is this fair? how does this even make sense?
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.     Under the Fair Credit Reporting Act , 15 U.S.C. 1681g  I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under  Section 611 ( a ) ( 5 ) (  A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to  3rd pa rties you are damaging my reputation and credit worthiness.  <P/> Under the FCRA  15 U.S.C. 1681i,  all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.  <P/> Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.  <P/>  XXXX   XXXX   XXXX  " NO ACCT # '' UNVERIFIED/NO CONTRACT
Product: Debt collection

This organization ( XXXX XXXX XXXX ) is harassing my family members by calling their house. I do not live there nor have I lived there for over 10 years. They are sharing information about my debt with them and I believe it is inappropriate
Product: Student loan

1. I had a forebearance at Navient for my student loan payment and they reported me to the credit bureaus as delinquent. 
2. Navient told me that all my forebearances, even those that were administrative in nature ( forebearances resulting from time Navient needed to reconfigure my monthly payment because my income had changed ), would count against the total forebearances I was allowed for my lifetime. I believe this is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my full credit report and found items that don't relate to anything I've done.
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized hard inquiries on my credit report that I did not initiate or authorize. These unauthorized inquiries have negatively impacted my credit score, which may subsequently affect my financial opportunities. 

1. Details of Inquiries : On XX/XX/2023, I noticed XXXX unauthorized hard inquiries on my credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), and XXXX XXXXXXXX XXXX XXXX XXXX 

2. Immediate Actions Taken : I promptly contacted all the credit bureaus involved. XXXX was cooperative and removed the unauthorized inquiries within XXXX hours of my request. 
However, when I reached out to TransUnion and XXXX, I faced challenges. They suggested I contact the creditor directly for a dispute letter, a step I found unnecessary given the unauthorized nature of these inquiries. 

3. Additional Concerns : Despite my efforts to resolve this with TransUnion and XXXX, their processes and timelines seem prolonged, which increases my concern about the undue negative impact on my credit standing. 

I'm looking for an expedited resolution to ensure my credit report accurately reflects my financial behaviors. Given the immediate effect these inquiries can have on my credit score and the potential long-term implications, I believe swift action is required.
Product: Debt collection

LVNV FundingXXXX XXXX XXXX received a refusal to pay dispute on my behalf via certified mail on XX/XX/2023, at XXXX XXXX. Since I've received an identical validation letter that I will attach that violates 15 USC 1692e 807. False or misleading representations 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
I also will attach screenshots from my XXXX and XXXX consumer reports that LVNV FundingXXXX XXXX Has Failed to communicate that the debt is disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on these accounts. I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX BANK  XXXX XXXX XXXX opened : XX/XX/XXXX Balance : {$450.00}, XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance : {$610.00}, XXXX XXXX  XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX BANK XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies added hard inquiries to my credit report without my consent XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX CO XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX These companies added something to my credit report without my consent and i am not aware of what some of these are XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed
Product: Credit card or prepaid card

I recently applied for a credit card with Capital One and was denied on XX/XX/18. I received a letter stating that I was denied due to pending legal action being taken against me. I called Capital One and spoke to a rep in the customer service who said that they had no knowledge of any case against me and said they would send a request for re-approval. No one returned my requests and I have just been denied the card with no further explanation. It is against Federal Law for a financial institution to deny a credit card application and not provide a valid reason and a means to dispute the information if there is adverse action taken against a consumer. Additionally, the correspondence from Capital One does not include required information, such as credit score and how such information is used. Furthermore, it is against the FDCPA for a bank or debt collector to threaten to take legal action if they have no intention of doing so.
Product: Debt collection

I got sued for a medical bill for my XXXX husband. The collection agency won a judgment against me. The original bill was {$150.00} and now with court costs, atty fees, and other charges it is now close to {$700.00}. I did n't have the {$150.00} to begin with and sure do n't have the {$700.00} now. The collection agency has now violated the fair debt collection practices act by knowingly seizing my social security funds out of my bank account, which I know that these social security funds are exempt.
Product: Credit reporting or other personal consumer reports

I attempted over 3 days to access my TransUnion Credit Bureau account. Attempting to log in, I received the same message that my account was suspended. 3 times I talked to a representative. No solution. I spoke to a supervisor, who recommended he delete my account and start over, he assured me my data would not be lost. I attempted to access my account, and was able to get in, no data, not even an account number or date of origin of service. He suggested I wait over night. Account suspended. Again, They deleted my account and I was told to create a new account. I waited overnight per their suggestion. I was able to log in, but again, no data, nothing but my name, no account number. I called and texted with reps, they said they would refer the matter on.One rep said I filed a dispute with them, which is absurd, because I have been unable to access my account. I attempted to access my credit report on XXXX XXXX XXXX. It said I had already received my credit report, which I have not.I can't get any information in my account, not even my TransUnion account number. I just want TransUnion to acknowledge the glitch, fix it, and provide my credit report, and make possible to access my account online, so I can perform disputes, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

About 5 yr ago I had XXXX XXXX take over and pay my bills. I have made every payment but one ( due to moving back to XXXX from XXXX  ). I was also on a reduced payment d/t Covid and a XXXX XXXX, but continued to make payments every month. 
I had both a XXXX accout ( they sold the account to XXXX XXXXXXXX, who sold the account to XXXX Bank, ( account ending in. # XXXX, ) XXXX XXXX  has the account listed as XXXX XXXX, but all payments are made to XXXX  XXXX  and are up to regular agreed upon amount. 
XXXX XXXX  is also being paid for account ending XXXX listed as XXXX XXXX XXXX and every month the bill has been paid ( proof to follow. When I went with XXXX XXXX the XXXX and XXXX account together equaled more than {$7500.00}. And Im down to about {$2000.00} for both accounts, proof to follow. So XXXX  XXXX  has listed both accounts as written off. I have contacted them several times and they have told me because I had to make reduced payments they can show it as written off I spoke with XXXX last week. I told him it was false reporting and he said I was wrong. Im a XXXX yo XXXX  and have no record of late payments, BUT WAS DENIED CREDIT D/T XXXX  refusal to show the account as being paid on. 
Now. I have contacted XXXX and they refuse to fix this error and now I cant contact them at all. ( when I call a phone message comes on and asked me for my information which I give and it tells me its incorrect and cuts the phone off. Im printing them. They sent me a copy of the credit report, but refused to upgrade my income, or return dress this problem with XXXX. Please help me fix this.
Product: Checking or savings account

I worked for 1 company over 8 years. Every check deposited was on hold sometimes for 2 weeks or sometimes for 1 week. Which in turn caused me to overdraft living paycheck to paycheck. I was told several times to call my home branch and even then they gave me a hard time to clear a check from payroll. Which I am now in collections from a delayed deposit which I received multiple overdraft fees.
Product: Credit reporting or other personal consumer reports

I

am writing to formally notify you that I am a victim of a data breach and identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. Fraudulent Accounts 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 Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX  - Inquiry Date : XX/XX/XXXX
Product: Credit card or prepaid card

Ive did prequalified applications and also did a prequalify for Capital one auto loan which always deny me and tell me my credit wasnt pulled because I have current or negative accounts with them. I can never get to the bottom line. Talked to customer service and she said she would send a request to the research department regarding this. Still no answer or response.
Product: Credit reporting or other personal consumer reports

There seem to be hard inquiries that have been furnished to my report without my written instructions and i was not given a nondisclosure option or an opportunity for it to not be disclosed to a third party. According to 15 U.S. Code 6802 it says that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S. Code 1681b says Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. 
( 2 ) In accordance with the written instructions of the consumer to whom it relates.