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

excerpt from penfed chatbot. trying to payoff my auto loan with my credit card, chat say i can walks me through it, Penfed says i can not. XXXX chatbot is giving out false information potentially harming me. 


make payment on auto loan with credit card What is the payment for? You can select from below or enter something like " mortgage '' or " student loan. '' PenFed Online Banking Assistant Choose one of the following options auto loan Is this auto loan payment a one-time or a recurring payment?

PenFed Online Banking Assistant Choose one of the following options One-time payment To make or set up a one-time auto loan payment with your credit card : 1. Scroll to your loan and click Make a Payment.

2. Set the paying account, amount, frequency, and other options.

3. Click Continue, review the payment, then Submit. 
You can get more information in this article : How to Make Loan Payments Did this help? 
PenFed Online Banking Assistant XXXXXXXX XXXX yes XXXX XXXX Is there anything else I can do for you? 
PenFed Online Banking Assistant XXXXXXXX XXXX
Product: Credit card or prepaid card

XXXX - applied for credit card advertising 25k bonus miles to the XXXX Reward Program upon completion of $ 1k spend within 3 months of being approved for a TD bank credit card.

XXXX - within the first month I satisfied the spend requirement and the TD card statement reflected that I now had the bonus ( and the spend ) miles listed ( this is separate from actually having XXXX  reflect the miles ).

XXXX - I was granted XXXX bonus miles that were supposed to then be applied to the XXXX   Account Number ( XXXX ) I had provided when the card was originally applied for XXXX  - after the 'waiting period ' and still not seeing the miles credited to the XXXX, I called XXXX. They advised they had not received the miles from the credit card yet and that there was no glitch from their side. I then called TD Bank and explained the issue. They advised the miles should have already posted ( as it was past the 5 week waiting period since the miles were credited ). The supervisor told me the miles would reflect to the XXXX  within 5 business days. They confirmed that the XXXX they had was correct. My calls with TD are all recorded so they can review and verify my statements.

XXXX - I called TD a few weeks later. The XXXX was still not reflecting the credited miles. This time the supervisor advised it was a system glitch at their end and they would put in a request to get this corrected. They had no answer as to why the FIRST supervisor gave me false information. They confirmed again, that I had the correct XXXX, even though I told them a few times all those initial checks had already been performed. I asked if XXXX could send me a letter confirming my conversation with them. They advised they do not do so.

XXXX-beginning - I called TD again since the miles were still not posted to the XXXX. I was given the same answer as in XXXX, except with a little more run-around on the phone. They said they would call me within a week to advise when the problem was corrected. I did not receive a call back. The accuracy of the XXXX  was checked yet again and confirmed that it was correct. I asked for an extra XXXX miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it would be submitted as a customer request. I asked for a transcript or a letter stating their proposed resolution in writing, but they advised it would not be given.

XXXX-end - I called TD again. Another supervisor at TD confirmed all the above notes and said they had 'escalated ' the problem and someone would call me back in the next few days to confirm that the miles had been credited and the glitch ( system issue, apparently ) had been fixed. I asked for an extra XXXX  miles to be added because of all the work, time, effort and aggravation I have experienced through this process. The supervisor said it couldn't be promised but it would be requested. To date, I have received neither the call back nor the miles credited to my XXXX.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer XXXX credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account allegedly opened at Westlake Financial Services on XX/XX/XXXX, under account number XXXX. This account appears on my consumer XXXX credit report as closed and charged off, with a reported charge-off balance of {$7200.00} and payment status listed as charge-off. I did not open, authorize, or initiate this account, and it is the result of identity theft and fraudulent use of my personal information. This fraudulent account has also resulted in unauthorized hard inquiries appearing on my consumer XXXX credit report that I did not initiate or authorize. These inquiries include XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX. I did not apply for credit with these entities, and these inquiries are a direct result of fraudulent activity. I have attached a copy of my consumer XXXX credit report, which shows the aforementioned fraudulent account and hard inquiries, along with a copy of my FTC Identity Theft Criminal Complaint ( Case # XXXX ) as proof that these items are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Pull my credit report and found errors, inaccuracies, and incompleteness. see dispute letters attached and copy of credit report
Product: Credit reporting or other personal consumer reports

I am writing in response to the recent announcement by the U.S. Consumer Financial Protection Bureau ( CFPB ), which revealed that Equifax has been fined {$15.00} million for failing to sufficiently investigate consumer disputes. It has come to my attention that these failures involved disregarding consumer documents, allowing inaccurate information to persist on credit reports, and relying on faulty software that contributed to erroneous credit scores.

As a consumer, I am deeply concerned about the impact such errors may have had on my credit report and the reports of others. This lack of attention to consumer disputes and oversight in the dispute resolution process is alarming, and it highlights the importance of transparency and accuracy in credit reporting.

Under the terms of the settlement, I understand that Equifax has agreed to pay {$15.00} million into the CFPBs victim relief fund and to make necessary improvements to its dispute resolution processes. I would appreciate it if you could provide additional information on the steps Equifax is taking to ensure that similar issues do not occur in the future, and how consumers can be assured that their disputes will be resolved accurately and promptly. 

As a concerned consumer, I also request that you provide guidance on how individuals whose credit scores may have been affected by these inaccuracies can take action to have their credit reports properly corrected. 

Thank you for your attention to this matter. I look forward to your response and to seeing Equifax take meaningful steps to rebuild consumer trust and improve its processes.
Product: Credit reporting or other personal consumer reports

I have been trying to obtain copy B of the 1099-C that Citibank , N.A . filed with the IRS when the alleged debt owed was " written off '' or " charged off '' so I would be able to properly remit my taxes. Citibank, N.A is willfully neglecting their fiduciary duties that they owe to me, the consumer. According to the Internal Revenue Service, Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return. Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is less than {$600.00}. There are three copies of the 1099-C. The lender must file Copy A with the IRS, send me Copy B, and retain Copy XXXX For example, assume I borrow {$10000.00} and default on the loan after repaying {$4000.00}. If the lender cant collect the remaining debt from me, it may cancel the debt, which means the remaining {$6000.00} is reported on Form 1099-C. This amount is generally considered taxable income. Since this alleged amount owed is considered taxable income after it is written off, it can not be reported as debt. This makes the reporting of this account incorrect and it should be deleted in whole immediately. Also, according to GAAP, Under the provision or allowance method of accounting, businesses credit the " Accounts Receivable '' category on the balance sheet by the amount of the uncollected debt. A debit entry for the same amount is entered into the " Allowance for Doubtful Accounts '' column to balance the balance sheet. This process is called writing off bad debt. This proves that the account has already been settled and the balance sheets have been balanced. I have documented proof in writing that Citibank , N.A . wrote off this debt which means is has been cancelled or forgiven. I also have proof of their willful noncompliance to resolve this matter which I will attach herein.
Product: Debt collection

i was impacted XXXX, which cauused me to become a displaced worker. i gotten behind on my bills and recently XXXXXXXX XXXX XXXX XXXX XXXX XXXX. My income has drastically decreased which caused me to become behind.
Product: Mortgage

I came out of chapter XXXX XX/XX/XXXX. I received a statement from my mortgage company for a delinquent amount. I called the mortgage company and asked how. I did not receive an answer to this question to about the 10th call. When a rep told me that my mortgage was adjusted XX/XX/XXXX. I stated to the rep that I did not receive anything stating that. I was told that they could not send me anything because I was in a bankruptcy. I called the attorney from the BK and he stated they did not receive anything from the mortgage company. I made several calls to this company and the only thing I would get from them was are keeping the property. They would not address the problem of how could I know about the increase if I was not notified. XXXX of this year I called back to customer service and spoke to XXXX ( XXXX ), who took the time to check the records. She searched back to 3 months before the adjustment and notices that no notification was sent out. She transferred me to the dispute dept and I spoke to XXXX ( XXXX ) stated no notification was sent out. She put in the dispute and I would receive a reply by XX/XX/XXXX. I called XX/XX/XXXX, and talk to XXXX ( XXXX ) and he would not answer the question of the dispute. I call back and talked to XXXX ( XXXX ) she did not answer the dispute question but told me the company did not have to send out monthly statements. Sending out statement was a courtesy. Also, it was my BK attorney responsibility to check to see if there was an increase in the mortgage.
Product: Checking or savings account

I always have money in my account. My bank lets transactions go through when Im overdraft in my account and charges me extra.
Product: Credit reporting or other personal consumer reports

I have filed a fraud alert because my credit card was fraudulently used. However, I see unauthorized inquiries on my credit report. These inquiries include : 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
Product: Debt collection

After canceling my account with XXXX, I returned a rental modem using a tracking label they provided. After shipping it, I found out many months later I was being charged for it through a collections agency. I disputed the claim, but recently I discovered the debt has been transferred to a different debt collection agency. 

I have contacted the XXXX representatives many times over the phone, which has transferred me continually between departments. Everyone can verify I was a customer and rented a modem, but no one can give me any information about the shipping label they sent me. According to them I did n't return it, but can provide no proof I did not use their shipping label. They refuse to give me this information and insist on requesting information over the phone despite no department providing this and frequently being dropped between transfers. I recently sent out XXXX certified letters disputing the claim to their corporate office and a billing center, but have received no reply. Online chat support has only directed me to tech support number, who could provide this information. After calling the number, the technician said he did not have this information, but could forward me to customer support, which I 've already spoken with several times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX CARD partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the two bureaus to fix this issue, however I have not been successful.
Product: Mortgage

I sent a Non Negotiable Conditional of Acceptance, a Non Negotiable of Acceptance, Rescission, Opportunity to Cure, and Estoppel to Specialized Loan Servicing in 2023 ... in which the debt was settled ; however, Specialized Loan Servicing has sent several servicing agents to my home taking photos, calling, and is sending notices regarding foreclosure on my property which has been satisfied. I have receive a Satisfaction of Mortgage from Specialized Loan Servicing ( Deed of Trust ) from them as well, but they are still harrassing me. I have attached all documentation and have filed all of this information with the Recorder of Deeds of XXXX XXXX in the state of Missouri as well as ran an ad in the XXXX XXXX with the information as well.
Product: Debt collection

XXXX XXXX XXXX XXXX, an affiliate of Ability Recovery Services, has been soliciting a payment from me relating to a medical bill I paid last year.I called them and was not given any information relating to the bill or why I was being contacted by this third party. The person on the phone told me they were aware the call was being recorded then told me I was breaking the law by recording it.The representative then told me that I had said that I was refusing to pay the bill, which I did not do, and that they would be reporting me to the authorities for this infraction.This is a total scam, these people have bought my information with the expressed intention of intimidating me into paying a fraudulent debt.I cannot believe companies are allowed to put their names on paper and operate with impunity.I am writing my senator about this.I hope action is taken.
Product: Debt collection

On XX/XX/2023 I received notice that a local attorney, Krisor & Associates sent my employer a notice that they attend to garnish my wages for a credit card. They state they have filed a judgment against me for the amount of {$5100.00} on behalf of a creditor I never even heard of named XXXXXXXX XXXX XXXX. When I contacted the attorney 's office they refused to give me the credit information. I was never notified of any court proceedings and the law office used the court to enter an illegal judgment against me for this outrageous sum. 

I have never had a credit card with a credit limit of more than {$600.00}. Even with interest and attorney fees it never should total this amount. XXXXXXXX XXXX XXXXXXXX or the attorneys at Krisor Associate are using the courts to saddle consumers with usery and inflated totals to saddle consumers with debt that is XXXX the original balance. This illegal and unethical debt collection practice is flagrant and illegal.
Product: Credit reporting or other personal consumer reports

its showing on my credit report that they have charged my account off every month this year even on the months I have submitted payment. That is a violation of my rights you can only do one charge off. I want this off my credit.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. The Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling a reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a XXXX old baby and are calling at outside hours after XXXX and contacting family members at XXXX. bill was paid!! This is inexcusable!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX/XXXX Inquiry from XX/XX/XXXX + Complete Dept. Stores XXXX XXXX XXXX Inquiry from XX/XX/XXXX +  Services, Not Elsewhere XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX , XXXX. 
Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX-XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/XXXX DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Still is reporting XXXX open accounts, all XXXX are reporting inaccurate various LATE/ MISSED Payments from XXXX & XXXX inconsistent dates on all three credit bureaus, that is a total of XXXX payments reflecting. 
I have attempted multiple times to reach out directly and have these payments updated to accurately represent my credit worthiness with no changes even after consolidating my federal loans. 

I am asking for help to have my credit report fairly represent me as a consumer, to promptly remove these inaccuracies. These student loans are listed multiple times on my credit report. This single debt shows up as several accounts, it is significantly impacting my debt-to-income ( DTI ) ratio and affecting my ability to qualify for other forms of credit, including a home loan to provide my children a new permeant and stabile home life.
Product: Debt collection

This business has called me at my employer repeatedly and on a daily basis.
Product: Credit reporting or other personal consumer reports

I when to XXXX  and put an order for my credit report file and they're refusing to give me this information unless I provide more information yet when I apply for a line of credit with a XXXX XXXX they all three credit bureaus handed over my information to the XXXX XXXX
Product: Student loan

Years ago when I was struggling to keep up with my student loan payments, Navient suggested putting all my loans into one. They did not explain in depth to me what this actually meant in the long run. I am a single mother that receives no support, so anything helped. Unfortunately, I did not understand what the consolidating my loans meant or the " fees & Interest '' involved which also was not explained to me. My father came down with a terminal illness, and I took on the role of supporting him until he passed. This in turn made it even more difficult for me to keep up with my loan payments. I tried reaching out to Navient today to try and discuss negotiating my payoff amount. I came into some money and was hoping to get some of my fees and interest reduced or forgiven from over the years. They did not give me any options to help me out what so ever. They do n't have any lump payment negotiating ability. I find this hard to believe, and do n't know where else to turn to for assistance.
Product: Credit card

I was notified by XXXX that a XXXX XXXX credit card was opened in my name. I did not open this credit card. I looked at my credit report and the credit card was opened on XXXX and there was $ XXXX charged to the account. I called XXXX XXXX on XX/XX/year> and spoke to their fraud department and they were going to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applyed for XXXX XXXX 3 years ago and was put on a payment program. Last year in XXXX I was suppose to be done with all payments and my creit was suppose to be fix by XXXX of XXXX. I'm trying to reach out to them about my credt becuse this is the day that my credit stil not fix and they are not providing a fair answer or to be fair no answer at all. The costumer support line is not opperating.